Sales Report:Supplement No. 87 dated Nov 30, 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 249518
This series of Notes was issued and sold upon the funding of the borrower loan #39721, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 22.79% Starting borrower rate/APR: 23.79% / 26.08% Starting monthly payment: $117.37
Final lender yield: 17.00% Final borrower rate/APR: 18.00% / 20.21% Final monthly payment: $108.46
 
Auction yield range: 8.29% - 22.79% Estimated loss impact: 8.39%  
Lender servicing fee: 1.00% Estimated return: 8.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Apr-1995 Debt/Income ratio: 19%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 13 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $5,526 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Dana_GA 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
Waterproof my Basement-Flood Issue
Purpose of loan:
This loan will be used to??waterproof my basement.? We recently had terrible flooding here in GA and since Sept 19th, my basement has flooded 4 times.? I need to get it waterproofed professionally.? I can't qualify for a home equity loan, cuz I owe more than the current market value of the house.?

My financial situation:
I am a good candidate for this loan because? I am very responsible, I own 3 houses and my credit score is 735 (Experian).
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 detail you net monthly income and also provide a detailed list of monthly expenses. - exciting-fairness
A: My monthly net income for my job is $1,536. I also receive $721 in child support and $500 for my basement aptmt, $1000 for my rental house making it a total of $3,757 net income. I have approx. $3,000 in monthly expenses. I also have a business house that pays for itself basically, no profit at the moment. (Nov-12-2009)
Q: Is your tenant in the basement apartment still there despite the 4 floods? Is there risk to the $500 of income that you show for it? - exciting-fairness
A: Yes that is in my personal home. It's my rental house that flooded. Those tenants are staying upstairs while I get the basement repaired. FEMA won't help me since it's not my primary residence. (Nov-12-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bank_Of_XL$50.00$50.0011/12/2009 3:58:48 PM
Chrishu$25.00$25.0011/13/2009 2:50:55 PM
psbruce$25.00$25.0011/14/2009 7:13:11 AM
TakeCare$25.00$25.0011/14/2009 11:26:14 AM
gilbrear$25.00$25.0011/16/2009 4:27:35 PM
cold1$25.00$25.0011/16/2009 10:04:39 PM
GUIDOLANDIA$25.00$25.0011/17/2009 7:03:05 AM
Share-the-wealth$50.00$50.0011/17/2009 6:00:06 PM
dpries123$25.00$25.0011/18/2009 6:50:12 AM
CashBank$25.00$25.0011/18/2009 8:39:21 AM
Joeburly$25.05$25.0511/18/2009 8:02:39 AM
BankOfThomas$90.13$90.1311/18/2009 10:53:55 AM
peb44$25.00$25.0011/18/2009 5:10:41 PM
ezvest$25.00$25.0011/19/2009 5:57:13 AM
bonus-patriot$25.00$25.0011/19/2009 6:23:53 AM
jasunshine$25.00$25.0011/19/2009 7:05:14 AM
mckhbnpc$25.00$25.0011/19/2009 8:27:22 AM
MrLeft$25.00$25.0011/19/2009 9:25:58 AM
exciting-fairness$150.00$150.0011/19/2009 9:29:50 AM
jybank$25.00$25.0011/19/2009 9:45:24 AM
yu-rik$25.00$25.0011/19/2009 9:53:39 AM
VAGweilo$50.00$50.0011/19/2009 9:54:49 AM
leverage-monger$100.00$100.0011/19/2009 9:55:17 AM
Engineer44$25.00$25.0011/19/2009 9:58:07 AM
lendme2$100.00$100.0011/19/2009 9:57:38 AM
VT2VA$25.00$25.0011/19/2009 9:59:04 AM
anarchy1985$28.96$28.9611/18/2009 7:52:55 PM
wild-orange$500.00$500.0011/19/2009 1:25:40 AM
jtoms101$100.00$100.0011/19/2009 7:30:07 AM
Leshan$50.00$50.0011/19/2009 8:47:15 AM
TakeCare$50.00$50.0011/12/2009 3:06:16 PM
marwadi-62$25.00$25.0011/13/2009 12:01:51 PM
mikeyp411$25.00$25.0011/13/2009 5:24:53 PM
vtr1000$25.00$25.0011/14/2009 9:35:20 AM
community-gyration7$50.00$50.0011/15/2009 7:21:32 AM
seadogs$25.00$25.0011/15/2009 11:16:41 AM
Bekim$27.00$27.0011/15/2009 6:51:30 PM
Snoopylover$25.00$25.0011/16/2009 12:20:41 PM
investment-party$25.00$25.0011/16/2009 8:58:34 AM
Nicksr$50.00$42.3611/16/2009 5:54:58 PM
cunning-compassion1$25.00$25.0011/17/2009 1:05:52 PM
money_player$50.00$50.0011/17/2009 4:20:54 PM
building_community$25.00$25.0011/17/2009 6:52:49 PM
manfromMaine$30.00$30.0011/18/2009 2:27:19 PM
adl4628$28.43$28.4311/18/2009 5:26:35 AM
realtormoises$25.00$25.0011/18/2009 9:44:52 AM
cupcake0$25.00$25.0011/18/2009 8:08:25 PM
BuzzyBee336$25.00$25.0011/18/2009 7:56:24 PM
principal-laser$100.00$100.0011/19/2009 3:22:34 AM
kendigme$29.16$29.1611/19/2009 5:24:27 AM
Scubadiver$50.00$50.0011/19/2009 6:31:20 AM
leverage-monger$100.00$100.0011/19/2009 6:54:01 AM
limoney$28.00$28.0011/19/2009 7:50:22 AM
JauaFlash$31.45$31.4511/19/2009 8:29:54 AM
return-equilibrium4$25.00$25.0011/18/2009 6:24:21 PM
justice-dna$60.00$60.0011/19/2009 9:46:10 AM
Orion7$29.46$29.4611/19/2009 9:58:20 AM
doctorgrab$25.00$25.0011/18/2009 7:37:51 PM
Nasdaq$50.00$50.0011/18/2009 9:20:43 PM
TakeCare$150.00$150.0011/18/2009 10:01:08 PM
johnpmid$25.00$25.0011/19/2009 9:25:22 AM
61 bids
 
Borrower Payment Dependent Notes Series 315886
This series of Notes was issued and sold upon the funding of the borrower loan #39718, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,800.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $124.30
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $121.19
 
Auction yield range: 4.29% - 9.94% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Aug-1998 Debt/Income ratio: 17%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $9,433 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: sscor80 Borrower's state: Oregon Borrower's group: Medical Benefactors
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: 28 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,800.00< mo. late: 0 ( 0% )  
640-659 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Pay off Citibank credit card
I am working on paying off all of the debt I have:

Auto Loan @ 5.99% - $8764.37 (minimum payment $362.22)
Credit Card @ 5.9% - $5586.37 (minimum payment approx. $50)
Citibank Credit Card @ 7.9% - $3797.17 (minimum payment approx. $60)

I received a letter from Citibank stating that the terms of my account will be changing unless I opt out of the changes. If I choose not to opt out, my interest rate will be changed to a variable rate with a minimum APR of 11.99%, among other term changes. If I choose to opt out, I can continue to repay the balance of my card under the current terms. I would like to move my balance to a Prosper loan instead of opting out and continuing to repay Citibank. I have taken out a Prosper loan in the past and made every payment on time. That loan is now paid off. I deeply appreciate the trust and money that was given to me. I like paying interest to people like me instead of to a large corporation. I also do not like Citibank's business practices and I would prefer to sever my relationship with them, sooner than later.

I have already paid off $17,410.26 of my debt and I plan to repay the remainder of my debt and not incur any additional debt while doing so. My income is approximately $2600 take-home per month. In addition to the loan payments listed above, my monthly expenses are:

Rent - $400 (I have shared a house with my boyfriend for 18 months and we split this expense in half.)
Utilities - approx. $60 (my half)
Trash Service - approx. $10 (my half)
Auto/Rental Insurance - $93
Gas - approx. $50
Phone - approx. $80 before employer reimbursement of $50
Internet - $60
Medical/Health Expenses - $45
Groceries - approx. $263
Gym Membership - $25

I appreciate you taking the time to review my request. If you have any questions, please ask. Thank you.
Information in the Description is not verified.
Friends And Family Winning Bids
vineet has bid a total of $214.16 in winning bids.
"I have known Shannan for almost five years. She is a loyal friend and a responsible, organized woman. I trust in her ability to do what she says she will do including taking financial responsibility for her debt payments. Shannan is a good person and has devoted hundreds of hours to serving needy children in our local community in her spare time."
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
vineet$214.16$214.1611/18/2009 4:18:47 PM
Personal-Bond$34.24$34.2411/18/2009 4:20:13 PM
building_community$118.68$118.6811/18/2009 7:14:44 PM
authoritative-social$25.00$25.0011/19/2009 4:22:38 AM
The-Lighthouse-Group$25.00$25.0011/20/2009 2:25:19 AM
OGS_Capital$25.00$25.0011/20/2009 7:09:51 AM
Loves-Corvairs$50.00$50.0011/19/2009 7:15:13 PM
Light_Verity$300.00$300.0011/21/2009 8:51:55 AM
Aberdeen$300.00$300.0011/20/2009 6:04:40 PM
blukestrel$50.00$50.0011/22/2009 8:57:25 AM
Socorro_Capital_Partners$25.00$25.0011/21/2009 9:31:21 AM
ski1965$25.00$25.0011/22/2009 5:11:57 PM
Newfoundcash$25.00$25.0011/22/2009 11:38:46 PM
stageactor$25.00$25.0011/23/2009 10:21:23 AM
been_there$50.00$50.0011/23/2009 6:47:23 PM
marala4285$25.00$25.0011/24/2009 4:34:14 AM
cmoneybags$58.16$58.1611/24/2009 8:03:23 AM
golffish2$50.00$50.0011/24/2009 9:45:15 AM
Dollars4Rent$25.00$25.0011/24/2009 11:22:28 AM
Toony$25.00$25.0011/24/2009 6:47:45 PM
sknop64$25.00$25.0011/24/2009 8:06:45 PM
prominence8$47.57$47.5711/24/2009 9:14:20 PM
Jordan1123$25.00$25.0011/24/2009 8:12:53 PM
Charmart$25.00$25.0011/25/2009 2:37:38 AM
fatboy888$25.00$25.0011/25/2009 5:35:04 AM
mediamst$25.00$25.0011/25/2009 6:46:37 AM
ApolloBodie$56.00$56.0011/25/2009 8:17:46 AM
crw1950$50.00$50.0011/25/2009 10:10:59 AM
John_14_6$25.00$25.0011/25/2009 11:01:23 AM
Astyanax$25.00$25.0011/25/2009 11:55:41 AM
ryan6853$25.00$25.0011/25/2009 11:12:19 AM
heerzaquestion$25.00$25.0011/25/2009 12:38:52 PM
shrewd-income$39.03$39.0311/25/2009 12:15:43 PM
Schwamie$41.42$41.4211/25/2009 1:01:18 PM
tfarms$50.00$50.0011/25/2009 2:48:49 PM
exciting-fairness$200.00$75.1811/25/2009 3:39:33 PM
wwwUniversal$25.00$25.0011/25/2009 3:48:29 PM
TakeCare$200.00$200.0011/25/2009 3:02:14 PM
icon7$25.00$25.0011/25/2009 3:13:20 PM
loss-of-control$50.00$50.0011/25/2009 3:45:24 PM
wild-orange$100.00$100.0011/25/2009 3:54:04 PM
cromley$25.00$25.0011/19/2009 10:17:16 AM
bondhedger$25.00$25.0011/19/2009 2:14:53 PM
killdare$25.00$25.0011/20/2009 12:03:57 PM
rakey$25.00$25.0011/20/2009 5:01:39 PM
Cherrypicker$50.00$50.0011/20/2009 5:53:22 PM
JDLanier$25.00$25.0011/21/2009 9:20:13 AM
b1geasy$25.00$25.0011/21/2009 10:58:57 AM
OGS_Capital$25.00$25.0011/23/2009 9:21:28 AM
rmachi$25.00$25.0011/22/2009 8:17:01 PM
RandyL3$32.56$32.5611/23/2009 4:47:14 PM
burnfromwithin$25.00$25.0011/24/2009 7:00:03 AM
impartial-deal$50.00$50.0011/24/2009 11:33:47 AM
MoneyTree79$50.00$50.0011/24/2009 6:12:08 PM
Snoopylover$25.00$25.0011/24/2009 5:28:00 PM
bkb7484$25.00$25.0011/24/2009 7:16:29 PM
rmpedi33$150.00$150.0011/24/2009 7:15:47 PM
medkoder$25.00$25.0011/24/2009 7:46:26 PM
Alsatian$50.00$50.0011/25/2009 4:04:26 AM
windpiano1962$25.00$25.0011/25/2009 5:17:09 AM
indomart$50.00$50.0011/24/2009 11:31:51 PM
GeoLender$25.00$25.0011/25/2009 6:22:25 AM
shamil45$25.00$25.0011/25/2009 9:29:05 AM
buckyhead2000$25.00$25.0011/25/2009 11:08:21 AM
kf88$30.00$30.0011/25/2009 11:04:55 AM
Midg$25.00$25.0011/25/2009 11:24:56 AM
bansir$25.00$25.0011/25/2009 11:44:26 AM
jybank$25.00$25.0011/25/2009 11:57:45 AM
RIVERBEND$53.00$53.0011/25/2009 12:44:07 PM
Astyanax$25.00$25.0011/25/2009 11:56:02 AM
bornsucka$25.00$25.0011/25/2009 12:17:29 PM
jaesposito$25.00$25.0011/25/2009 1:57:52 PM
CA_Lender$25.00$25.0011/25/2009 1:46:56 PM
MoneyForNothing$25.00$25.0011/25/2009 3:25:52 PM
helynn43$25.00$25.0011/25/2009 2:45:52 PM
elegant-bonus$50.00$50.0011/25/2009 3:43:30 PM
GO4NY23$25.00$25.0011/25/2009 3:45:52 PM
caseattle$25.00$25.0011/25/2009 3:50:06 PM
wild-orange$100.00$100.0011/25/2009 3:53:41 PM
79 bids
 
Borrower Payment Dependent Notes Series 385912
This series of Notes was issued and sold upon the funding of the borrower loan #39711, 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: 1.5% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 9.04% Starting borrower rate/APR: 10.04% / 10.38% Starting monthly payment: $64.57
Final lender yield: 6.30% Final borrower rate/APR: 7.30% / 7.64% Final monthly payment: $62.03
 
Auction yield range: 3.29% - 9.04% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 4.80%  
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: Nov-1993 Debt/Income ratio: 3%
Credit score: 820-839 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $2,391 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 9%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: starfish35 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 38 ( 100% ) 820-839 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
740-759 (Aug-2008)
780-799 (Nov-2007)
820-839 (Sep-2006)
 
Principal balance: $771.18 1+ mo. late: 0 ( 0% )
Total payments billed: 38  
Description
Help with move-in expenses
Purpose of loan:
We have been living for about a year in a house that still has some issues to be fixed up.? We have relied on credit cards a little bit in the last year but are close to paying them off.? I only have about $2K left on mine, although Prosper may show a different average.? This is my third prosper loan, I have paid one off and have another that I have been making payments on for a few years and has been current the whole time.

My financial situation:

House payment is 1/4 of my monthly take home pay.? Both of our cars are paid off, so we would have no problems paying this back. I have an outstanding track record of paying back prosper loans (2 loans with no late payments, one already fully paid off) and have great credit.? My rate probably dropped from AA to A when we bought this larger house.

After taxes monthly salary: $5200
Prosper Loan Revenue?????? $160

House Payment:??????????????? $1300
Groceries????????????????????????? $1200
Cable/Broadband/Phone???? $168
Gas????????????????????????????????? $200
Utilites ??? ?? ???? ???? ???? ???? ? $140
Home Improvement/Repair? $300
Entertainment/Investment?? $150
Investment (stopped) ???????? -------? $300
Current prosper loan?????????? $70

This leaves us with the $390 that would to continue to buffer our savings account and
pay back these loans and some credit that we decided to just leave on the cards.

Thanks

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)
swiftsoul$25.00$25.0011/18/2009 4:01:47 PM
a-shiny-dime$25.00$25.0011/18/2009 4:02:18 PM
GeoLender$25.00$25.0011/18/2009 7:20:37 PM
rmachi$25.00$25.0011/20/2009 10:10:51 AM
JDLanier$25.00$25.0011/21/2009 9:21:06 AM
thegreatstrafe$25.00$25.0011/24/2009 5:40:19 PM
Snoopylover$25.00$25.0011/25/2009 6:04:12 AM
billnsc$25.00$25.0011/25/2009 10:08:52 AM
newbietony$40.00$40.0011/25/2009 9:53:19 AM
njmlaj726$25.00$25.0011/25/2009 11:31:08 AM
serene-capital$25.00$25.0011/25/2009 11:03:13 AM
deal-kung-fu$50.00$50.0011/25/2009 12:08:24 PM
Earn_money$28.75$28.7511/25/2009 3:33:47 PM
MoneyForNothing$25.00$25.0011/25/2009 3:26:39 PM
wild-orange$100.00$100.0011/25/2009 3:44:38 PM
caseattle$25.00$25.0011/25/2009 3:50:26 PM
TakeCare$100.00$26.5411/25/2009 3:52:41 PM
wwwUniversal$25.00$25.0011/25/2009 3:54:51 PM
F_r_e_d_s__B_a_n_k$100.00$100.0011/18/2009 4:11:42 PM
Aberdeen$300.00$300.0011/18/2009 4:16:01 PM
GeoLender$25.00$25.0011/18/2009 7:20:58 PM
beachfunder$25.00$25.0011/19/2009 12:11:20 PM
LittleMingo$25.00$25.0011/19/2009 7:44:26 PM
marwadi-62$300.00$300.0011/20/2009 3:39:01 PM
FundMaker$25.00$25.0011/21/2009 5:31:26 AM
The-Lighthouse-Group$25.00$25.0011/22/2009 2:13:16 AM
duty-kung-fu$25.00$25.0011/23/2009 6:22:16 PM
Dollars4Rent$25.00$25.0011/24/2009 11:24:51 AM
impartial-deal$50.00$50.0011/24/2009 12:10:18 PM
lm150$25.00$25.0011/24/2009 6:26:41 PM
sgmm330$25.00$25.0011/24/2009 6:57:46 PM
YummiBear$25.00$25.0011/24/2009 7:01:45 PM
scref$50.00$50.0011/24/2009 6:17:41 PM
jmainc$25.00$25.0011/25/2009 6:34:03 AM
dammage$25.00$25.0011/25/2009 3:02:44 AM
dragonflywings$25.00$25.0011/25/2009 8:40:56 AM
heerzaquestion$25.00$25.0011/25/2009 10:29:55 AM
LQ1972$50.00$50.0011/25/2009 9:20:24 AM
l1u9c9a9s$25.00$25.0011/25/2009 11:07:32 AM
IceFisherman$29.71$29.7111/25/2009 10:59:38 AM
Astyanax$25.00$25.0011/25/2009 11:57:51 AM
lucrative-interest$25.00$25.0011/25/2009 1:00:49 PM
jybank$25.00$25.0011/25/2009 3:49:57 PM
wild-orange$100.00$100.0011/25/2009 3:44:15 PM
44 bids
 
Borrower Payment Dependent Notes Series 401550
This series of Notes was issued and sold upon the funding of the borrower loan #39701, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 11.60% Starting monthly payment: $262.67
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $262.10
 
Auction yield range: 8.29% - 8.50% Estimated loss impact: 6.67%  
Lender servicing fee: 1.00% Estimated return: 1.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Feb-1994 Debt/Income ratio: 20%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $19,768 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: scifli2002 Borrower's state: NewYork Borrower's group: Scuba Lender
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: 21 ( 88% ) 680-699 (Latest)
Principal borrowed: $9,300.00< mo. late: 3 ( 13% )  
680-699 (Aug-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Paying down credit card
Purpose of loan:
Lowering interest rate on credit card debt.?I?have a credit card balance of $8000 at an interest rate of 12.75% which I would like to lower.? I'm eager to pay off my debts and start investing in my future. This loan will reduce my interest rate so that I can put more money into paying off my debt.??

About me:
I'm a?scientist at a pharmaceutical company, where I've worked?for the last 4 years. As a result of my job performance during this time I've received two promotions and a 25% salary increase.

I previously had a $9300 Prosper loan which was in good standing and which I paid off. ?This loan is a great investment for you - unlike the stock market, you can rely on my to pay my loans every month and you know exactly what you're getting on your investment.

Monthly net income: $?4106 (after taxes)

Monthly expenses: $?2520
Housing: $ 720 (My rent is low for NYC because I share a rent stabilized apartment with a roommate.)??
Utilities/phone/gym: $?250??
Food, household expenses: $?500??
Credit cards & loan payments (min):?$?550 (including this one)??
Other expenses: $ 500?
Insurance: $ 0 (Taken out pretax)???
Communiting expenses: $ 0 (Taken out pretax)
Information in the Description is not verified.
Friends And Family Winning Bids
ScubaDavid has bid a total of $7,663.67 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ScubaDavid$5,140.00$5,140.0011/19/2009 12:11:37 PM
lender12345$100.00$100.0011/20/2009 9:14:38 AM
TakeCare$100.00$100.0011/24/2009 9:06:39 AM
lender12345$100.00$100.0011/24/2009 11:29:35 AM
impartial-deal$25.00$25.0011/24/2009 12:29:37 PM
ScubaDavid$2,523.67$2,523.6711/24/2009 2:12:32 PM
Astyanax$25.00$25.0011/23/2009 9:37:33 AM
Gaelicman$100.00$61.3311/23/2009 5:05:06 PM
TakeCare$100.00$100.0011/24/2009 3:16:59 PM
the-profit-oracle$25.00$25.0011/24/2009 3:50:38 PM
10 bids
 
Borrower Payment Dependent Notes Series 415482
This series of Notes was issued and sold upon the funding of the borrower loan #39703, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 7.69% Starting borrower rate/APR: 8.69% / 9.03% Starting monthly payment: $94.97
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $92.91
 
Auction yield range: 3.29% - 7.69% 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: Jul-1999 Debt/Income ratio: 7%
Credit score: 760-779 (Oct-2009) Current / open credit lines: 21 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 57Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $1,321 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: evisha Borrower's state: NewYork Borrower's group: Loans2u
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: 10 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
740-759 (Apr-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 10  
Description
NEW BOILER FOR HEAT

Even though this listing says "no", I own a pretty little home in New York.? Unfortunately though, my gas boiler died last week.? Long live the new one!? The death hit me cash-short so the $3,000 it cost me was charged to a credit card (and no 0% balance transfers around right now).? I thought I'd come here and see what I can do....

I am a Prosper lender and former borrower with a great credit history.

Thank you.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SunsetCoastCapital$25.00$25.0011/19/2009 12:31:04 PM
ljay$25.00$25.0011/19/2009 12:34:30 PM
sidney102$25.00$7.2111/19/2009 12:37:23 PM
five-star-justice$36.00$36.0011/19/2009 12:45:17 PM
jtoms101$100.00$100.0011/20/2009 5:59:31 AM
maineyankee$25.00$25.0011/20/2009 2:15:54 PM
John_14_6$25.00$25.0011/20/2009 6:05:09 PM
festivecpl$50.00$50.0011/20/2009 8:21:32 PM
FundMaker$25.00$25.0011/21/2009 5:32:18 AM
investmentgroup$25.00$25.0011/23/2009 4:19:54 AM
PotatoLender$26.00$26.0011/23/2009 9:15:48 AM
Light_Verity$300.00$300.0011/23/2009 7:08:21 PM
the-profit-oracle$25.00$25.0011/24/2009 8:56:07 AM
Patrician$28.08$28.0811/24/2009 11:29:07 AM
impartial-deal$50.00$50.0011/24/2009 11:42:29 AM
dreamhope$25.00$25.0011/24/2009 3:05:13 PM
marwadi-62$200.00$200.0011/24/2009 3:46:23 PM
gadfly066$25.00$25.0011/24/2009 5:33:32 PM
indomart$50.00$50.0011/24/2009 11:37:01 PM
maj0508$100.00$100.0011/25/2009 1:46:27 AM
Blind_Pig$27.00$27.0011/25/2009 9:28:47 AM
shamil45$25.00$25.0011/25/2009 9:25:26 AM
Dollars4Rent$25.00$25.0011/25/2009 11:35:20 AM
rmachi$25.00$25.0011/25/2009 1:46:38 PM
billquality$97.44$97.4411/25/2009 2:21:49 PM
thegreatstrafe$25.00$25.0011/25/2009 4:00:59 PM
YummiBear$25.00$25.0011/25/2009 7:54:16 PM
loanshark62$30.00$30.0011/25/2009 9:47:34 PM
crazybunga$25.00$25.0011/25/2009 10:02:34 PM
jrlvnv$25.00$25.0011/25/2009 10:14:55 PM
serene-capital$25.00$25.0011/26/2009 1:03:45 AM
bossyboots01$25.00$25.0011/26/2009 5:18:08 AM
SNH$50.00$50.0011/26/2009 8:04:42 AM
jybank$25.00$25.0011/26/2009 11:21:09 AM
rdrloan$25.00$25.0011/19/2009 12:32:42 PM
Gunny89$25.00$25.0011/19/2009 12:34:32 PM
Bosslady123q$25.00$25.0011/19/2009 12:34:38 PM
Personal-Bond$40.21$40.2111/19/2009 12:53:54 PM
DonaldColorado$25.00$25.0011/19/2009 12:33:06 PM
turbospeed$25.00$25.0011/19/2009 12:34:00 PM
Kerrysbay$25.00$25.0011/19/2009 12:34:57 PM
a-shiny-dime$25.00$25.0011/19/2009 12:37:10 PM
blot44$100.00$100.0011/19/2009 2:42:29 PM
McChan$100.00$100.0011/19/2009 9:58:37 PM
hellasow$50.00$50.0011/20/2009 2:18:43 AM
suzanny$25.00$25.0011/20/2009 9:14:36 AM
neenerman$75.00$75.0011/20/2009 9:26:51 AM
Loves-Corvairs$50.00$50.0011/19/2009 7:17:44 PM
tedi-tif$25.00$25.0011/20/2009 12:34:25 PM
The-Lighthouse-Group$25.00$25.0011/20/2009 12:33:40 PM
springpanda$25.00$25.0011/21/2009 1:51:19 PM
estancias$50.00$50.0011/22/2009 6:27:05 AM
fireman4$50.00$50.0011/22/2009 12:40:30 PM
fireman4$40.00$40.0011/22/2009 12:41:50 PM
blukestrel$50.00$50.0011/22/2009 8:59:25 AM
MsTabbyKats$25.00$25.0011/24/2009 2:20:30 PM
nickel-pipeline$25.00$25.0011/24/2009 5:32:03 PM
bkb7484$25.00$25.0011/24/2009 7:18:45 PM
elegant-bonus$25.00$25.0011/25/2009 4:52:44 AM
Dollars4Rent$25.00$25.0011/25/2009 11:35:37 AM
GABC-1$50.00$50.0011/25/2009 1:34:03 PM
wwwUniversal$25.00$25.0011/25/2009 3:49:47 PM
jmeww008$25.00$25.0011/25/2009 4:54:45 PM
bambampk$50.00$50.0011/25/2009 6:32:39 PM
caseattle$25.00$25.0011/25/2009 7:25:37 PM
favorite-commerce$25.00$25.0011/25/2009 10:40:54 PM
authoritative-social$25.00$25.0011/26/2009 3:24:46 AM
Richmp412$25.00$25.0011/26/2009 7:54:07 AM
G-Love$68.06$68.0611/26/2009 8:45:20 AM
Druidsoft$50.00$50.0011/26/2009 9:39:54 AM
70 bids
 
Borrower Payment Dependent Notes Series 420842
This series of Notes was issued and sold upon the funding of the borrower loan #39753, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 8.69% Starting borrower rate/APR: 9.69% / 10.03% Starting monthly payment: $240.91
Final lender yield: 8.15% Final borrower rate/APR: 9.15% / 9.49% Final monthly payment: $239.02
 
Auction yield range: 3.29% - 8.69% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 7.55%  
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: 10 First credit line: Nov-1997 Debt/Income ratio: 11%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $2,884 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: MrMusicHead Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 40 ( 100% ) 780-799 (Latest)
Principal borrowed: $9,001.00< mo. late: 0 ( 0% )  
740-759 (Jun-2008)
760-779 (Aug-2007)
780-799 (Jul-2006)
 
Principal balance: $1,293.78 1+ mo. late: 0 ( 0% )
Total payments billed: 40  
Description
Investment Capital
Purpose of loan:
This loan will be used to invest in income-generating assets that produce returns of 20% or more annually. I have been working with these assets since March 2008 and have made returns consistently, even in this down economy. I have over $10,000 in backup funding in to pay back this loan in case of emergency, though it is unlikely that I should need.
My financial situation:
I am a good candidate for this loan because... I have excellent credit. AA rating. I pay my bills on time. I am responsible with money. I am on a path to abundance. You can help me get there faster and in turn make money with me. I am permanently employed as a computer programmer in a solid, growing company (even in this market) - Prior to my current job, I was employed for 5 years with an insurance company. Prior to that I worked as a technology contractor for 7 years. My skills are in demand, and my job will be a fallback (to the fallback listed above. ;) Please check my stats. You will find them impeccable.Thank you for your consideration.Oh, also, though it says I'm not a homeowner, I am. The house is in my wife's name and Prosper did not pick it up.
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$50.0011/12/2009 10:00:32 AM
payout-point$100.00$100.0011/12/2009 10:02:33 AM
888168$50.00$50.0011/12/2009 10:02:49 AM
tallmon$25.00$25.0011/12/2009 10:03:10 AM
kchen486$25.00$25.0011/12/2009 10:06:35 AM
lucrative-worth$25.00$25.0011/12/2009 10:06:41 AM
gizzywump$25.00$25.0011/12/2009 10:07:14 AM
miked8303$25.00$25.0011/12/2009 10:07:06 AM
hard-working-loot$25.00$25.0011/12/2009 10:07:33 AM
DonaldColorado$25.00$25.0011/12/2009 10:00:30 AM
TakeCare$100.00$100.0011/12/2009 10:06:59 AM
greenback-floret$50.00$50.0011/12/2009 10:26:00 AM
stock_speculator$25.00$25.0011/12/2009 10:13:49 AM
Patrician$100.00$100.0011/12/2009 10:14:04 AM
Aberdeen$100.00$100.0011/12/2009 10:30:26 AM
ralf206$25.00$25.0011/12/2009 11:19:18 AM
scarlet-velvet$25.00$25.0011/12/2009 1:07:08 PM
MoneyForNothing$25.00$25.0011/12/2009 1:43:13 PM
blot44$100.00$100.0011/12/2009 2:13:13 PM
jybank$25.00$25.0011/13/2009 6:25:28 AM
GABC-1$90.00$90.0011/13/2009 2:41:13 PM
iruz$100.00$100.0011/13/2009 5:13:56 PM
minista$25.00$25.0011/13/2009 11:18:30 PM
suburbanman64$25.00$25.0011/13/2009 7:11:31 PM
Brown98$25.00$25.0011/14/2009 1:20:22 PM
springpanda$50.00$50.0011/13/2009 11:06:07 PM
psbruce$25.00$25.0011/14/2009 7:20:02 AM
safe-commerce$25.00$25.0011/15/2009 1:57:13 PM
honorable-yield$100.00$100.0011/15/2009 7:04:32 AM
Finchy78$25.00$25.0011/15/2009 8:35:02 AM
springpanda$25.00$25.0011/15/2009 3:38:13 PM
Dollars4Rent$25.00$25.0011/16/2009 8:59:35 AM
quest194$25.00$25.0011/16/2009 10:53:14 AM
Dollars4Rent$25.00$25.0011/16/2009 11:40:33 AM
Pickmar$25.00$25.0011/16/2009 8:37:48 AM
seahorse2008$25.00$25.0011/16/2009 12:50:38 PM
manugee$50.00$50.0011/16/2009 4:49:44 PM
RandyL3$31.91$31.9111/16/2009 5:07:57 PM
afterhours$25.00$25.0011/16/2009 6:26:01 PM
buddy486$25.00$25.0011/16/2009 5:10:42 PM
OCLend$25.00$25.0011/17/2009 11:59:52 AM
worth-sanctuary9$28.00$28.0011/17/2009 3:16:14 PM
thegreatstrafe$25.00$25.0011/17/2009 3:44:32 PM
KnightKSU$100.00$100.0011/17/2009 3:23:07 PM
billnsc$25.62$25.6211/17/2009 4:36:40 PM
unk1911$25.00$25.0011/17/2009 4:31:12 PM
SeaLoans$25.00$25.0011/17/2009 4:46:46 PM
Jynxie$43.84$43.8411/17/2009 4:46:47 PM
blindtaxidriver$25.00$25.0011/17/2009 4:46:48 PM
RandyL3$43.42$43.4211/17/2009 5:05:35 PM
dbanwart$75.00$75.0011/17/2009 7:02:00 PM
victorcab$50.00$50.0011/17/2009 8:36:09 PM
martymaniaman$25.00$25.0011/18/2009 6:04:54 AM
market-jam$50.00$50.0011/18/2009 6:46:23 AM
Richmp412$25.00$25.0011/18/2009 6:34:41 AM
ChiTownBanker$26.58$26.5811/18/2009 7:08:00 AM
Share-the-wealth$100.00$100.0011/18/2009 8:23:27 AM
jmvingeorgia$25.00$25.0011/18/2009 8:44:41 AM
Astyanax$25.00$25.0011/18/2009 9:08:20 AM
cu2maro$50.00$50.0011/18/2009 10:11:15 AM
adhawan325$25.39$25.3911/18/2009 11:44:59 AM
AP2PLender$25.00$25.0011/17/2009 6:25:23 PM
BOZO88$28.00$28.0011/17/2009 6:32:54 PM
pure-liberty$25.00$25.0011/17/2009 7:36:53 PM
flshdaskll$25.00$25.0011/17/2009 8:04:03 PM
Charmart$25.00$25.0011/18/2009 4:00:58 AM
George2384$25.00$25.0011/18/2009 3:00:19 PM
Schwamie$34.29$34.2911/18/2009 3:45:57 PM
TakeCare$100.00$100.0011/18/2009 2:46:51 PM
BlessedEveryDay$25.00$25.0011/18/2009 7:05:10 PM
LittleMingo$25.00$25.0011/18/2009 7:16:17 PM
authoritative-social$25.00$25.0011/18/2009 7:35:22 PM
ivar$25.00$25.0011/18/2009 9:53:51 PM
kevinchu$25.00$25.0011/18/2009 10:39:00 PM
unfixer$50.00$50.0011/19/2009 3:15:12 AM
pietro_torna_indietro$25.00$25.0011/19/2009 6:34:27 AM
organic-platinum$25.00$25.0011/19/2009 6:49:01 AM
pennyonebank$25.00$25.0011/19/2009 8:02:23 AM
liederhaus$50.00$50.0011/18/2009 4:45:29 PM
hidavehi$62.00$62.0011/18/2009 5:34:01 PM
shdof2$30.00$30.0011/19/2009 9:01:52 AM
bonus-patriot$100.00$100.0011/18/2009 5:50:49 PM
capital-advocator0$25.00$25.0011/19/2009 9:53:10 AM
socal-lender$25.00$25.0011/18/2009 8:58:03 PM
hektek22$300.00$300.0011/18/2009 10:30:25 PM
wild-orange$50.00$50.0011/19/2009 1:39:11 AM
q4golf$38.35$38.3511/19/2009 4:18:36 AM
icon7$40.00$40.0011/19/2009 4:21:20 AM
baroo$25.00$25.0011/12/2009 10:00:40 AM
rdrloan$25.00$25.0011/12/2009 10:00:56 AM
credit-investor5$50.00$50.0011/12/2009 10:00:45 AM
sidney102$25.00$25.0011/12/2009 10:01:26 AM
wrighco$25.00$25.0011/12/2009 10:06:24 AM
zoomdrm57$50.00$27.3211/12/2009 10:07:40 AM
turbospeed$25.00$25.0011/12/2009 10:09:21 AM
thedoctor$50.00$50.0011/12/2009 10:00:35 AM
sellbuy40$25.00$25.0011/12/2009 10:01:20 AM
emo13$50.00$50.0011/12/2009 10:06:51 AM
antlr$25.00$25.0011/12/2009 10:07:22 AM
five-star-justice$36.00$36.0011/12/2009 10:28:10 AM
CA_Lender$25.00$25.0011/12/2009 10:17:35 AM
hellasow$30.00$30.0011/12/2009 2:48:10 PM
Syzygy$25.00$25.0011/12/2009 4:32:01 PM
Vegan-Girl$25.00$25.0011/12/2009 3:05:38 PM
flwah$25.00$25.0011/12/2009 4:31:10 PM
amiosa$25.00$25.0011/13/2009 12:57:29 PM
The-Lighthouse-Group$25.00$25.0011/13/2009 4:52:41 PM
FundMaker$25.00$25.0011/15/2009 9:04:49 AM
dirkiebush$100.00$100.0011/15/2009 9:17:12 AM
rpg$300.00$300.0011/15/2009 11:05:25 AM
Pizzaman49$37.79$37.7911/15/2009 7:13:24 PM
dadancincowz$25.00$25.0011/16/2009 9:00:56 AM
wwwUniversal$25.00$25.0011/15/2009 7:10:42 PM
Johnab$50.00$50.0011/16/2009 10:47:12 AM
lendme2$100.00$100.0011/16/2009 12:27:55 PM
Snoopylover$25.00$25.0011/16/2009 12:20:43 PM
serene-capital$25.00$25.0011/16/2009 1:42:55 PM
brightest-useful-social$25.00$25.0011/16/2009 2:10:25 PM
MoneyTree79$225.00$225.0011/16/2009 4:52:14 PM
mojii77$25.00$25.0011/16/2009 4:54:48 PM
marala4285$25.00$25.0011/16/2009 7:12:09 PM
kochan123$25.00$25.0011/16/2009 7:44:21 PM
SCD$25.00$25.0011/16/2009 5:18:15 PM
asset-numero-uno$100.00$100.0011/16/2009 10:38:45 PM
Spring342$50.00$50.0011/17/2009 8:13:04 AM
octoberfresh$25.00$25.0011/17/2009 1:53:00 PM
rmpedi33$100.00$100.0011/17/2009 9:43:00 AM
merciful-yield$400.00$400.0011/17/2009 3:18:48 PM
IceFisherman$42.76$42.7611/17/2009 4:30:33 PM
rakey$25.00$25.0011/17/2009 4:30:42 PM
Prezotus$25.00$25.0011/17/2009 4:47:21 PM
bid-papyrus$25.00$25.0011/17/2009 4:46:35 PM
rce1964$25.00$25.0011/17/2009 12:39:14 PM
yenom$25.00$25.0011/17/2009 4:46:46 PM
bruin558$50.00$50.0011/17/2009 4:31:19 PM
BrLender$29.23$29.2311/17/2009 4:46:32 PM
outofoffice$61.15$61.1511/17/2009 8:44:24 PM
YummiBear$25.00$25.0011/18/2009 5:21:22 AM
Astyanax$25.00$25.0011/18/2009 9:08:37 AM
buffalobills$25.00$25.0011/18/2009 11:00:16 AM
bizguy1982$25.00$25.0011/18/2009 12:58:56 PM
SNH$50.00$50.0011/17/2009 10:47:14 PM
jtoms101$100.00$100.0011/18/2009 3:55:57 AM
manfromMaine$29.63$29.6311/18/2009 2:30:07 PM
prainvestment$50.00$50.0011/18/2009 8:06:45 AM
Lender0307$25.00$25.0011/18/2009 9:29:41 AM
Hotrod52$25.00$25.0011/18/2009 10:51:41 AM
gsd$25.00$25.0011/18/2009 12:29:33 PM
bonus-patriot$100.00$100.0011/18/2009 5:51:06 PM
currency-agave$25.00$25.0011/18/2009 6:06:36 PM
prominence8$33.00$33.0011/18/2009 6:37:56 PM
dsparrow$25.72$25.7211/18/2009 7:10:39 PM
blissful-penny$150.00$150.0011/18/2009 11:42:37 PM
uncle101$25.00$25.0011/19/2009 4:00:39 AM
porwestco$25.00$25.0011/19/2009 5:30:26 AM
moola-trumpeter$25.00$25.0011/18/2009 4:41:19 PM
patriot384$50.00$50.0011/19/2009 8:40:57 AM
jns48$25.00$25.0011/19/2009 8:44:57 AM
jybank$50.00$50.0011/19/2009 9:48:46 AM
leverage-pole$25.00$25.0011/19/2009 9:52:35 AM
friendinmoney$50.00$50.0011/19/2009 9:58:26 AM
bomdel$25.00$25.0011/18/2009 6:59:52 PM
amor1962$25.00$25.0011/19/2009 8:15:29 AM
163 bids
 
Borrower Payment Dependent Notes Series 421698
This series of Notes was issued and sold upon the funding of the borrower loan #39687, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 10.94% Starting borrower rate/APR: 11.94% / 14.07% Starting monthly payment: $481.19
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $477.46
 
Auction yield range: 4.29% - 10.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Jun-1997 Debt/Income ratio: 32%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:0y 10m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: texastea007 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 780-799 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
740-759 (Jul-2009)
760-779 (Aug-2008)
660-679 (Feb-2008)
 
Principal balance: $1,117.32 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Trying to consolidate debt
Purpose of loan:
This loan will be used to pay off medical bills I incurred during a hospital visit

My financial situation:
I am a good candidate for this loan because I have excellent credit and have never been late on a payment.
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 still dealing with any medical issues after your hospitalization that would interfere with your work in any way? - exciting-fairness
A: No, I am completely well and am not having any further medical issues that will interfere with my employment. Thank you for the question. (Nov-19-2009)
Q: Please provide your take home pay and list of all monthly expenses. Thanks. - exciting-fairness
A: Monthly Income (Wife & me): $5,000 Mortgage: 1,700 Utilities: 500 Groceries: 500 Meals and Entertainment: 200 Gas: 200 Misc. (Car repairs, Rx, etc.): 200 Debt Repayment: 700 Savings: 500 (Nov-19-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$25.00$25.0011/17/2009 5:10:50 PM
wise-spirited-nickel$50.00$50.0011/17/2009 5:11:16 PM
booksleuth$50.00$50.0011/17/2009 5:11:04 PM
honorable-yield$50.00$50.0011/17/2009 5:11:58 PM
dparkhom$25.00$25.0011/17/2009 5:11:23 PM
mikeandcat$50.00$50.0011/17/2009 5:12:47 PM
TakeCare$100.00$100.0011/17/2009 5:13:54 PM
miked8303$25.00$25.0011/17/2009 5:13:59 PM
antlr$25.00$25.0011/17/2009 5:14:09 PM
zoomdrm57$50.00$50.0011/17/2009 5:14:15 PM
first-wampum-trapper$25.00$25.0011/17/2009 5:14:18 PM
iolaire$25.00$25.0011/17/2009 5:15:03 PM
leodaguy$25.00$25.0011/17/2009 5:15:55 PM
newbietony$25.00$25.0011/17/2009 5:16:03 PM
sharkm$25.00$25.0011/17/2009 5:16:07 PM
lend_to_you$50.00$50.0011/17/2009 5:15:48 PM
CASHGIRL$75.00$75.0011/17/2009 5:16:38 PM
the_winning_ticket$35.00$35.0011/17/2009 5:16:00 PM
transaction-axis$25.00$25.0011/17/2009 5:16:32 PM
Artist_Blue$25.00$25.0011/17/2009 5:16:45 PM
biobulator$25.00$25.0011/17/2009 5:16:49 PM
Interstate_Rate$500.00$500.0011/17/2009 5:16:53 PM
mikrolown$25.00$25.0011/17/2009 5:17:10 PM
swoosh$25.00$25.0011/17/2009 5:18:19 PM
Lightlife$50.00$50.0011/17/2009 5:17:31 PM
justice-dna$25.00$25.0011/17/2009 5:17:40 PM
xstreamin$25.00$25.0011/17/2009 5:18:50 PM
wise-extraordinary-loot$30.00$30.0011/17/2009 5:17:47 PM
Havana21$50.00$50.0011/17/2009 5:17:51 PM
czar3$30.00$30.0011/17/2009 5:17:55 PM
benefit-squirrel$30.00$30.0011/17/2009 5:19:12 PM
wiltonbound$25.00$25.0011/17/2009 5:19:15 PM
bonus-buddy2$35.00$35.0011/17/2009 5:18:12 PM
yield-lion$25.00$25.0011/17/2009 5:18:16 PM
bchen78875$25.00$25.0011/17/2009 5:18:25 PM
Attract$25.00$25.0011/17/2009 5:19:32 PM
a-responsible-return$25.00$25.0011/17/2009 5:19:33 PM
BlindProphet$25.00$25.0011/17/2009 5:19:52 PM
exact-justice$25.00$25.0011/17/2009 5:19:09 PM
Walkingcowboy$25.00$25.0011/17/2009 5:20:00 PM
financial-frenzy$50.00$50.0011/17/2009 5:19:21 PM
thedoctor$40.00$40.0011/17/2009 5:20:15 PM
bonus-patriot$25.00$25.0011/17/2009 5:20:46 PM
greenbackologist$25.00$25.0011/17/2009 5:20:12 PM
economy-balance$25.00$25.0011/17/2009 5:21:06 PM
efficient-bid2$25.00$25.0011/17/2009 5:22:35 PM
evnagelist$50.00$50.0011/17/2009 5:22:43 PM
hyetech$35.00$35.0011/17/2009 5:22:58 PM
tolstoy00$25.00$25.0011/17/2009 5:23:22 PM
magical-greenback$55.00$55.0011/17/2009 5:24:12 PM
Mr_Marcus$50.00$50.0011/17/2009 5:24:18 PM
don8ter$25.00$25.0011/17/2009 5:24:56 PM
vkorichkov$30.00$30.0011/17/2009 5:25:27 PM
laudable-balance$25.00$25.0011/17/2009 5:25:31 PM
djindepth$50.00$50.0011/17/2009 5:25:53 PM
thestartuplender$35.00$35.0011/17/2009 5:26:04 PM
Palacios$50.00$50.0011/17/2009 5:26:08 PM
allieoomp$25.00$25.0011/17/2009 5:26:21 PM
utukxul$25.00$25.0011/17/2009 5:26:53 PM
amit_gu$50.00$50.0011/17/2009 5:26:57 PM
best-decisive-peace$25.00$25.0011/17/2009 5:27:26 PM
Steveoo1$25.00$25.0011/17/2009 5:27:46 PM
hard-working-loot$25.00$25.0011/17/2009 5:11:20 PM
fun2invest$25.00$25.0011/17/2009 5:27:54 PM
steves73$25.00$25.0011/17/2009 5:11:42 PM
alex189a$25.00$25.0011/17/2009 5:28:41 PM
mmqc$25.00$25.0011/17/2009 5:28:46 PM
transparency-giant$25.00$25.0011/17/2009 5:28:49 PM
highcountry1$25.00$25.0011/17/2009 5:28:43 PM
Tahoeguy$50.00$50.0011/17/2009 5:28:55 PM
Weaverville$50.00$50.0011/17/2009 5:12:21 PM
dionysus03$25.00$25.0011/17/2009 5:29:09 PM
trustu$25.00$25.0011/17/2009 5:29:15 PM
trapper569$25.00$25.0011/17/2009 5:29:32 PM
desertoasis$25.00$25.0011/17/2009 5:13:18 PM
BayShell$40.00$40.0011/17/2009 5:30:13 PM
tom48l$25.00$25.0011/17/2009 5:29:52 PM
sidney102$25.00$25.0011/17/2009 5:13:31 PM
credit-coach118$35.00$35.0011/17/2009 5:29:57 PM
roto$25.00$25.0011/17/2009 5:13:38 PM
meteoric-asset4$25.00$25.0011/17/2009 5:30:12 PM
YogaDude34$50.00$50.0011/17/2009 5:30:53 PM
julijask$25.00$25.0011/17/2009 5:30:30 PM
mpactlender$25.00$25.0011/17/2009 5:31:16 PM
bigdogsafety1$25.00$25.0011/17/2009 5:30:59 PM
Goodlender42$25.00$25.0011/17/2009 5:14:28 PM
puifais$25.00$25.0011/17/2009 5:31:42 PM
Sefotonga$25.00$25.0011/17/2009 5:31:12 PM
Approved1234$25.00$25.0011/17/2009 5:31:48 PM
lloyd_s$25.00$25.0011/17/2009 5:15:00 PM
ritwik$50.00$50.0011/17/2009 5:57:47 PM
d_grbg$25.00$25.0011/17/2009 5:31:51 PM
Diamond_Jim$25.00$25.0011/17/2009 5:15:10 PM
tallmon$25.00$25.0011/17/2009 5:15:45 PM
E_G$30.00$30.0011/17/2009 5:16:14 PM
brother_tam$50.00$50.0011/17/2009 5:16:56 PM
charming-point$50.00$50.0011/17/2009 5:17:18 PM
CarDealer3070$25.00$25.0011/17/2009 5:17:45 PM
gracej$25.00$25.0011/17/2009 5:17:52 PM
personal-lender$25.00$25.0011/17/2009 5:17:57 PM
WalnutCreekguy$33.00$33.0011/17/2009 5:18:30 PM
jeg3k$25.00$25.0011/17/2009 5:18:39 PM
poeman$25.00$25.0011/17/2009 5:18:45 PM
ThomasCrown$30.00$30.0011/17/2009 5:19:01 PM
szetheli$39.81$39.8111/17/2009 8:12:22 PM
lagnisiruk$25.00$25.0011/17/2009 5:19:22 PM
Veloce$25.00$25.0011/17/2009 9:00:09 PM
money2k$25.00$25.0011/17/2009 5:19:26 PM
fishhauler$25.00$25.0011/17/2009 9:57:51 PM
unk1911$25.00$25.0011/17/2009 9:10:05 PM
ScottW$25.00$25.0011/17/2009 5:20:33 PM
lendme2$50.00$50.0011/17/2009 5:21:10 PM
JGB$25.00$25.0011/17/2009 5:21:30 PM
VBAces$50.00$50.0011/17/2009 5:21:36 PM
vegaslender88$25.00$25.0011/18/2009 12:41:33 AM
syounker$25.00$25.0011/17/2009 5:21:50 PM
Zarf$50.00$50.0011/17/2009 5:22:46 PM
neenerman$25.00$25.0011/18/2009 7:17:56 AM
djh47a$30.00$30.0011/17/2009 5:24:14 PM
scoobiedoo$25.00$25.0011/17/2009 5:24:24 PM
Speculator$25.00$25.0011/17/2009 5:24:38 PM
i3urtonair$25.00$25.0011/18/2009 8:16:50 AM
JJS180$25.00$25.0011/18/2009 8:34:16 AM
jmvingeorgia$25.00$25.0011/18/2009 8:44:34 AM
ljay$25.00$25.0011/17/2009 5:25:34 PM
KVEER$25.00$25.0011/17/2009 5:25:51 PM
Veggie_Monkey$25.00$25.0011/18/2009 9:36:18 AM
crenen139$50.00$50.0011/17/2009 5:26:07 PM
orange-courageous-dedication$40.00$40.0011/17/2009 5:26:24 PM
Kerrysbay$25.00$25.0011/18/2009 9:36:54 AM
SkiFastBadly$25.00$25.0011/17/2009 5:26:42 PM
cash-vault$25.00$25.0011/18/2009 9:38:39 AM
three-for-6$50.00$50.0011/17/2009 5:27:02 PM
galtsgulch$25.00$25.0011/18/2009 9:37:40 AM
melodious-fairness$25.00$25.0011/17/2009 5:27:17 PM
trade-pragmatist$25.00$25.0011/18/2009 9:38:36 AM
buddy486$25.00$25.0011/17/2009 5:28:35 PM
angelinvestor01$25.00$25.0011/17/2009 5:29:11 PM
rakstar$50.00$50.0011/17/2009 5:29:13 PM
brazilofmux$100.00$100.0011/17/2009 5:30:09 PM
DukSerduk$25.00$25.0011/17/2009 5:30:18 PM
Aquani$50.00$50.0011/17/2009 5:30:32 PM
spitzbergen$25.00$25.0011/17/2009 5:31:08 PM
sloan$25.00$25.0011/17/2009 5:31:41 PM
MrDavid$25.00$25.0011/17/2009 5:31:52 PM
wise-agile-investment$25.00$25.0011/17/2009 7:15:17 PM
think_globally_act_locally$25.00$25.0011/17/2009 8:01:36 PM
don'twannadance$50.00$50.0011/18/2009 12:58:03 PM
Maccs55$25.00$25.0011/17/2009 8:55:06 PM
don'twannadance$50.00$50.0011/18/2009 1:02:40 PM
albatross897$25.00$25.0011/18/2009 7:19:59 AM
abfs$25.00$25.0011/18/2009 9:36:34 AM
Trimalchio12$25.00$25.0011/18/2009 9:37:04 AM
jgar_O$25.00$25.0011/18/2009 9:38:55 AM
jybank$25.00$25.0011/18/2009 11:35:55 AM
peb44$25.00$25.0011/18/2009 4:56:37 PM
iolaire$25.00$25.0011/19/2009 7:53:34 AM
peaceful-farmer$100.00$100.0011/19/2009 4:31:11 PM
Psychohistorian$67.28$67.2811/19/2009 11:01:54 PM
McChan$50.00$50.0011/19/2009 9:45:11 PM
innovator2$200.00$200.0011/19/2009 2:30:22 PM
lendme2$50.00$50.0011/20/2009 8:17:57 AM
Patrician$100.00$100.0011/20/2009 9:26:00 AM
sperk50286$123.68$123.6811/20/2009 10:24:56 AM
Earnest_Money$25.00$25.0011/22/2009 2:37:20 PM
vikings23$25.00$25.0011/21/2009 7:46:36 AM
safe-money5$50.00$50.0011/23/2009 5:51:54 AM
payout-carnival$25.00$25.0011/23/2009 6:31:12 AM
ProudDad$50.00$50.0011/22/2009 9:48:23 PM
psbruce$25.00$25.0011/22/2009 8:08:54 AM
interstellar$50.00$50.0011/23/2009 11:44:00 AM
elegant-bonus$50.00$50.0011/23/2009 4:33:13 PM
authoritative-social$25.00$25.0011/23/2009 7:24:53 PM
lanky$25.00$25.0011/23/2009 9:31:45 PM
ManhattanLender$25.00$25.0011/23/2009 6:49:36 PM
labyrinth0$25.00$25.0011/23/2009 7:52:03 PM
Garlic72$75.00$75.0011/24/2009 3:16:36 AM
organic-platinum$25.00$25.0011/24/2009 6:02:22 AM
rmpedi33$100.00$100.0011/24/2009 6:25:57 AM
atlas100$50.00$50.0011/24/2009 6:47:47 AM
kulender$100.00$100.0011/24/2009 7:26:23 AM
MrLeft$50.00$50.0011/24/2009 7:57:43 AM
evamkir$25.00$25.0011/24/2009 10:40:15 AM
buckyhead2000$25.00$25.0011/24/2009 11:22:49 AM
DenimCapital$25.00$25.0011/24/2009 11:39:54 AM
beemersdad$25.00$25.0011/24/2009 11:46:00 AM
Lear31$33.00$33.0011/24/2009 12:42:55 PM
dejnik$25.00$25.0011/24/2009 1:04:08 PM
interest88$25.00$25.0011/24/2009 2:06:18 PM
scloans$25.00$25.0011/24/2009 1:55:38 PM
tender-ore$25.00$25.0011/24/2009 3:41:19 PM
Moxman125$25.00$25.0011/24/2009 3:12:28 PM
enthusiastic-balance5$225.00$225.0011/24/2009 3:26:47 PM
JGuide$25.00$25.0011/24/2009 3:57:35 PM
prudent-gain7$50.00$50.0011/24/2009 4:18:46 PM
crazycool$25.00$25.0011/17/2009 5:10:59 PM
GElender$50.00$50.0011/17/2009 5:11:33 PM
JohnW12$25.00$25.0011/17/2009 5:11:56 PM
cheapskate$50.00$50.0011/17/2009 5:12:16 PM
cash-boots$25.00$25.0011/17/2009 5:13:41 PM
anton$50.00$50.0011/17/2009 5:13:22 PM
wrighco$25.00$25.0011/17/2009 5:13:45 PM
lucrative-worth$25.00$25.0011/17/2009 5:13:48 PM
MoneyU4IA$40.00$40.0011/17/2009 5:14:21 PM
emo13$50.00$50.0011/17/2009 5:13:51 PM
repayment-chef$25.00$25.0011/17/2009 5:14:25 PM
Banker7371$25.00$25.0011/17/2009 5:14:34 PM
gizzywump$25.00$25.0011/17/2009 5:14:03 PM
Cai8899$75.00$75.0011/17/2009 5:14:51 PM
kulender$25.00$25.0011/17/2009 5:17:48 PM
museic1$50.00$50.0011/17/2009 5:18:10 PM
RetiredATC$25.00$25.0011/17/2009 5:18:21 PM
currency-cigar4$25.00$25.0011/17/2009 5:17:25 PM
value-pole$25.00$25.0011/17/2009 5:17:29 PM
rmachi$25.00$25.0011/17/2009 5:17:34 PM
youqianderen$50.00$50.0011/17/2009 5:18:43 PM
credit-kahuna$100.00$100.0011/17/2009 5:17:38 PM
Dunndeal4u$25.00$25.0011/17/2009 5:18:48 PM
EnigmaNYC-29$25.00$25.0011/17/2009 5:17:44 PM
VentureExplorer$25.00$25.0011/17/2009 5:19:04 PM
SNH$50.00$50.0011/17/2009 5:18:01 PM
andyb9$25.00$25.0011/17/2009 5:19:14 PM
rolandweary$40.00$40.0011/17/2009 5:18:05 PM
agwosdof$50.00$50.0011/17/2009 5:19:17 PM
slartibardfast$35.00$35.0011/17/2009 5:19:29 PM
techvet$25.00$25.0011/17/2009 5:18:32 PM
wayman$50.00$50.0011/17/2009 5:19:07 PM
trident9$50.00$50.0011/17/2009 5:20:03 PM
dignified-finance$25.00$25.0011/17/2009 5:20:41 PM
neighborly-hope6$100.00$100.0011/17/2009 5:20:06 PM
JohnGalt94$25.00$25.0011/17/2009 5:20:57 PM
five-star-justice$36.00$36.0011/17/2009 5:20:57 PM
3am-preacher$25.00$25.0011/17/2009 5:21:15 PM
harperpotok$100.00$100.0011/17/2009 5:21:46 PM
enthusiastic-balance5$100.00$100.0011/17/2009 5:21:39 PM
ryelk$25.00$25.0011/17/2009 5:22:03 PM
888168$50.00$50.0011/17/2009 5:21:43 PM
bradny$25.00$25.0011/17/2009 5:22:50 PM
ekn_enterprises$25.00$25.0011/17/2009 5:22:38 PM
the-money-gargantuan$25.00$25.0011/17/2009 5:23:03 PM
steady-gain5$25.00$25.0011/17/2009 5:23:08 PM
Klearwater_Pools$25.00$25.0011/17/2009 5:25:14 PM
mamayama$25.00$25.0011/17/2009 5:25:21 PM
amint17$25.00$25.0011/17/2009 5:25:41 PM
burrito6$25.00$25.0011/17/2009 5:25:47 PM
gethsemane4$25.00$25.0011/17/2009 5:25:58 PM
Kansas$25.00$25.0011/17/2009 5:26:12 PM
sensible-trade$25.00$25.0011/17/2009 5:26:49 PM
truth-prospector$25.00$25.0011/17/2009 5:27:10 PM
fortytwo$150.00$150.0011/17/2009 5:10:56 PM
Rogesparkguy$25.00$25.0011/17/2009 5:27:11 PM
skuba$25.00$25.0011/17/2009 5:11:05 PM
DonaldColorado$25.00$25.0011/17/2009 5:11:10 PM
fair-funds$25.00$25.0011/17/2009 5:27:35 PM
orderly-loot$25.00$25.0011/17/2009 5:27:33 PM
vcbogan$100.00$100.0011/17/2009 5:28:45 PM
the-profit-oracle$25.00$25.0011/17/2009 5:28:47 PM
Hogpilot$25.00$25.0011/17/2009 5:29:03 PM
revenue-kazoo$25.00$25.0011/17/2009 5:29:35 PM
Sam65$25.00$25.0011/17/2009 5:30:16 PM
kanakakm$25.00$25.0011/17/2009 5:30:22 PM
five-star-note$25.00$25.0011/17/2009 5:13:33 PM
cyberie21$40.00$40.0011/17/2009 5:30:14 PM
Dr_M$25.00$25.0011/17/2009 5:30:54 PM
freqflyer$25.00$25.0011/17/2009 5:30:28 PM
unclejaef$25.00$25.0011/17/2009 5:31:06 PM
mtquan$25.00$25.0011/17/2009 5:31:09 PM
wings2fly$25.00$25.0011/17/2009 5:31:37 PM
westsidehighway$25.00$25.0011/17/2009 5:31:54 PM
red-ready-principal$25.00$25.0011/17/2009 6:12:22 PM
burgeoning-silver$25.00$25.0011/17/2009 5:16:20 PM
tremendous-payment$25.00$25.0011/17/2009 5:16:35 PM
Heatguy$50.00$50.0011/17/2009 5:17:16 PM
Frenchynh$25.00$25.0011/17/2009 5:17:26 PM
payout-achievement$40.00$40.0011/17/2009 5:17:42 PM
Clambake$50.00$50.0011/17/2009 5:18:14 PM
chicco$80.00$80.0011/17/2009 5:18:37 PM
socialbanker$25.00$25.0011/17/2009 5:18:42 PM
KiwiElf$25.00$25.0011/17/2009 7:45:14 PM
Dutchhunter$25.00$25.0011/17/2009 5:19:03 PM
flwah$33.11$33.1111/17/2009 8:15:20 PM
gold-disk$50.00$50.0011/17/2009 5:19:19 PM
hitsman$50.00$50.0011/17/2009 5:19:25 PM
Axis$50.00$50.0011/17/2009 9:13:49 PM
shrewd-deal$25.00$25.0011/17/2009 5:20:14 PM
revenue-sniffer$25.00$25.0011/17/2009 8:55:16 PM
reflective-rupee$25.00$25.0011/17/2009 5:21:18 PM
LEWK25$25.00$25.0011/18/2009 5:28:45 AM
johannesfactotum$25.00$25.0011/17/2009 5:22:48 PM
silver-armada$100.00$100.0011/17/2009 5:23:11 PM
digitalrinaldo$25.00$25.0011/17/2009 5:23:27 PM
asiaratt$50.00$50.0011/17/2009 5:23:30 PM
trade-doughnut5$25.00$25.0011/17/2009 5:25:06 PM
deal-pioneer1$25.00$25.0011/17/2009 5:25:11 PM
DadWarbucks$25.00$25.0011/17/2009 5:25:16 PM
BankOfFrankFairness$50.00$50.0011/17/2009 5:25:43 PM
LAKESPRING$25.00$25.0011/17/2009 5:25:49 PM
Namrok$25.00$25.0011/18/2009 9:36:25 AM
WilsonFunds$75.00$75.0011/17/2009 5:26:28 PM
pleasant-basis$25.00$25.0011/18/2009 9:37:22 AM
Macinvest$25.00$25.0011/17/2009 5:26:29 PM
TheGrayFox$25.00$25.0011/17/2009 5:26:44 PM
juiceman84$25.00$25.0011/18/2009 9:46:18 AM
bds9646$25.00$25.0011/18/2009 9:38:18 AM
verse99$25.00$2.5211/18/2009 9:49:12 AM
Buffer10$100.00$100.0011/17/2009 5:27:21 PM
HAVEANICEDAY$25.00$25.0011/17/2009 5:28:29 PM
littlemonkey$25.00$25.0011/17/2009 5:29:17 PM
credit-investor5$50.00$50.0011/17/2009 5:29:20 PM
Syzygy$25.00$25.0011/17/2009 5:29:27 PM
Josta$50.00$50.0011/17/2009 5:30:15 PM
Halos2002$50.00$50.0011/17/2009 5:31:02 PM
GOPHERBOY$65.00$65.0011/17/2009 5:31:24 PM
ianakacg$25.00$25.0011/17/2009 5:31:53 PM
bonanza1973$25.00$25.0011/17/2009 6:45:18 PM
silver-solstice$25.00$25.0011/17/2009 7:33:58 PM
winlender$25.00$25.0011/17/2009 7:35:21 PM
Brainworm$25.00$25.0011/18/2009 2:21:50 AM
blackstar$25.00$25.0011/18/2009 4:16:10 AM
ingeborg77$50.00$50.0011/18/2009 12:50:44 PM
ingeborg77$50.00$50.0011/18/2009 12:54:40 PM
liederhaus$50.00$50.0011/18/2009 4:45:22 PM
sosuri1$125.00$125.0011/19/2009 7:28:51 AM
dime-force$25.00$25.0011/18/2009 7:44:51 PM
Airthus$25.00$25.0011/19/2009 10:20:10 PM
Moneypenny6$25.00$25.0011/19/2009 5:54:18 PM
market-network$25.00$25.0011/21/2009 9:29:46 AM
patriot384$100.00$100.0011/21/2009 5:54:18 PM
euro-whomper$25.00$25.0011/21/2009 7:07:56 PM
principal-laser$100.00$100.0011/22/2009 7:26:57 AM
ksubd$50.00$50.0011/22/2009 8:07:02 AM
FundMaker$25.00$25.0011/21/2009 5:29:31 AM
building_community$50.00$50.0011/23/2009 5:28:02 AM
TakeCare$25.00$25.0011/23/2009 4:00:44 PM
People-for-people$50.00$50.0011/23/2009 5:05:58 PM
loss-of-control$100.00$100.0011/23/2009 5:15:52 PM
rate-hickory$25.00$25.0011/23/2009 5:36:16 PM
yogi1975$25.00$25.0011/23/2009 5:26:06 PM
the-silver-blaster$50.00$50.0011/23/2009 6:07:19 PM
SCD$25.00$25.0011/23/2009 6:05:10 PM
mbraslav$25.00$25.0011/23/2009 6:54:23 PM
Auditman$50.00$50.0011/23/2009 6:20:08 PM
mysapphire$50.00$50.0011/23/2009 8:27:01 PM
fairness-swashbuckler$50.00$50.0011/23/2009 9:13:28 PM
canterburykid$100.00$100.0011/23/2009 9:24:48 PM
buffalobills$25.00$25.0011/23/2009 9:57:12 PM
icanhelpyouout$25.00$25.0011/23/2009 6:47:01 PM
demszi1978$35.00$35.0011/24/2009 4:26:54 AM
eureka117$25.00$25.0011/24/2009 6:46:10 AM
crw1950$50.00$50.0011/24/2009 7:06:39 AM
PotBellyPete$75.00$75.0011/24/2009 8:13:14 AM
Easystreet$25.00$25.0011/24/2009 8:15:41 AM
caseattle$25.00$25.0011/24/2009 9:05:19 AM
oreyedoc$50.00$50.0011/24/2009 9:32:08 AM
durability-colonel$50.00$50.0011/24/2009 9:50:18 AM
gtdane$30.00$30.0011/24/2009 10:52:10 AM
yenom$25.00$25.0011/24/2009 11:51:15 AM
sandia785$64.74$64.7411/24/2009 11:58:55 AM
impartial-deal$50.00$50.0011/24/2009 11:44:10 AM
nalaari$58.46$58.4611/24/2009 12:08:46 PM
rockymtbob$50.00$50.0011/24/2009 1:42:58 PM
famous-community8$25.00$25.0011/24/2009 12:59:43 PM
ScottFinance$25.00$25.0011/24/2009 1:17:09 PM
tekstyle38$25.00$25.0011/24/2009 2:23:15 PM
mglanham$43.40$43.4011/24/2009 3:18:40 PM
Ven58$25.00$25.0011/24/2009 3:08:04 PM
AM2171$50.00$50.0011/24/2009 4:09:09 PM
loss-of-control$50.00$50.0011/24/2009 4:16:24 PM
exciting-fairness$200.00$200.0011/24/2009 4:58:34 PM
369 bids
 
Borrower Payment Dependent Notes Series 432306
This series of Notes was issued and sold upon the funding of the borrower loan #39707, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $203.56
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-1985 Debt/Income ratio: 22%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $10,851 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 101%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: exchange-wizard Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to pay down credit card debt, incurred to assist a disabled sibling.

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and I have an excellent income as a professional.? My credit does not reflect late payments or any other unpaid responsibilities--it does reflect several debt which I want to pay down within the next 12 months through this loan, bonuses and a high tax refund.

Monthly?gross income: $ 15000

Monthly expenses: $?12400
??Housing: $ 3700
??Insurance: $ 400
??Car expenses: $ 900
??Utilities: $ 800
??Phone, cable, internet: $ 300
??Food, entertainment: $ 600
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 5000
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please list all of your debts. Please indicate the current value of your home. Please answer publicly. thanks - reflective-rupee
A: Here's my debt: American Express - $27,000; Bank of America - Visa, $4100.00; Bank of America/Gold Option Loan - $42,000; Americredit (auto) $22,000; Chase - Visa $1100; Chase MasterCard $5300; Discover Card $3000; Capital One (Auto) $27000; Citifinanical loan $7600; PHH Mortgage $295,000 (home). My home is valued at approx $375,000 ($450,000 3 years ago, but last appraisal came in lower about 1 year ago). (Nov-22-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flexible-economy2$100.00$100.0011/19/2009 12:55:04 PM
reflective-rupee$25.00$25.0011/20/2009 10:02:16 AM
reflective-rupee$25.00$25.0011/20/2009 10:01:30 AM
reflective-rupee$25.00$25.0011/20/2009 10:02:28 AM
reflective-rupee$25.00$25.0011/20/2009 10:02:53 AM
reflective-rupee$25.00$25.0011/20/2009 10:01:41 AM
reflective-rupee$500.00$171.1311/21/2009 9:05:50 PM
kindness-jedi$100.00$100.0011/22/2009 4:20:18 PM
SFBank$200.00$200.0011/22/2009 6:17:02 PM
awesome-benefit1$25.00$25.0011/21/2009 12:08:02 PM
TakeCare$50.00$50.0011/22/2009 8:52:35 PM
well-mannered-income3$75.00$75.0011/23/2009 11:36:36 AM
honorable-yield$25.00$25.0011/23/2009 7:50:40 AM
commerce-stronghold$50.00$50.0011/23/2009 5:43:14 PM
jpf27$100.00$100.0011/24/2009 7:33:56 AM
shrewd-income$25.00$25.0011/24/2009 5:09:49 PM
the-profit-oracle$25.00$25.0011/24/2009 5:55:35 PM
prudent-gain7$25.00$25.0011/25/2009 3:47:22 AM
wealth-pipeline$25.00$25.0011/25/2009 12:43:30 PM
well-mannered-income3$50.00$50.0011/25/2009 1:38:12 PM
bid-goat$25.17$25.1711/25/2009 4:18:14 PM
prudent-gain7$25.00$25.0011/25/2009 5:38:01 PM
well-mannered-income3$50.00$50.0011/25/2009 5:32:24 PM
gold-cluster$100.00$100.0011/25/2009 7:49:33 PM
squarebob$50.00$50.0011/25/2009 7:07:35 PM
flexible-economy2$200.00$200.0011/25/2009 8:08:15 PM
CatbirdBanking$25.00$25.0011/25/2009 8:19:07 PM
Evolver$40.00$40.0011/26/2009 4:44:34 AM
piano55$28.06$28.0611/26/2009 7:42:34 AM
deepblue34$30.00$30.0011/26/2009 8:21:21 AM
truth-smasher$25.00$25.0011/26/2009 6:23:47 AM
Rip128$25.00$25.0011/26/2009 7:07:35 AM
lender12345$25.00$25.0011/26/2009 9:03:45 AM
SNH$50.00$50.0011/26/2009 7:49:46 AM
p2p-gala$25.00$25.0011/26/2009 11:04:44 AM
leverage-monger$100.00$100.0011/26/2009 9:13:27 AM
bestloanrate$50.00$50.0011/26/2009 9:38:05 AM
Mr333$75.00$75.0011/26/2009 10:46:38 AM
PotBellyPete$75.00$75.0011/26/2009 12:02:13 PM
reflective-rupee$25.00$25.0011/19/2009 12:55:34 PM
reflective-rupee$25.00$25.0011/19/2009 12:55:46 PM
reflective-rupee$100.00$100.0011/19/2009 10:35:42 PM
reflective-rupee$25.00$25.0011/20/2009 10:01:53 AM
reflective-rupee$25.00$25.0011/20/2009 10:02:04 AM
reflective-rupee$25.00$25.0011/20/2009 10:02:41 AM
efficient-principal$100.00$100.0011/20/2009 7:42:32 PM
well-mannered-income3$75.00$75.0011/21/2009 2:30:03 PM
well-mannered-income3$50.00$50.0011/22/2009 7:23:45 PM
kindness-jedi$50.00$50.0011/22/2009 4:20:30 PM
well-mannered-income3$50.00$50.0011/23/2009 8:18:05 PM
noble-revenue$50.00$50.0011/23/2009 5:54:40 PM
loss-of-control$50.00$50.0011/23/2009 7:47:30 PM
well-mannered-income3$50.00$50.0011/24/2009 6:53:31 AM
Eloise62$75.00$75.0011/24/2009 7:35:29 AM
reciprocate$100.00$100.0011/24/2009 10:56:50 AM
cashhelp$25.00$25.0011/24/2009 11:56:46 AM
Marfloogan$25.00$25.0011/24/2009 5:28:33 PM
well-mannered-income3$100.00$100.0011/24/2009 7:02:20 PM
capital-galaxy$200.00$200.0011/25/2009 8:01:35 AM
well-mannered-income3$75.00$75.0011/25/2009 7:38:50 AM
aztec$50.00$50.0011/25/2009 1:31:44 PM
just-trade0$36.00$36.0011/25/2009 1:31:39 PM
penny-surgeon$25.00$25.0011/25/2009 7:12:39 PM
trevize$25.00$25.0011/25/2009 8:12:44 PM
kindness-jedi$50.00$50.0011/26/2009 3:48:46 AM
income-rocker2$250.00$250.0011/26/2009 7:18:30 AM
amor1962$25.00$25.0011/26/2009 8:05:49 AM
portfolio-turbine$25.00$25.0011/26/2009 9:24:50 AM
a-finance-nirvana$58.90$58.9011/26/2009 9:47:07 AM
hidavehi$25.00$25.0011/26/2009 10:15:32 AM
Kissabledevil$50.00$50.0011/26/2009 9:46:13 AM
blue-silver-ruler$25.00$25.0011/26/2009 9:55:43 AM
rooster63$50.00$50.0011/26/2009 11:35:20 AM
synboi$210.74$210.7411/26/2009 10:59:57 AM
gold-cluster$100.00$100.0011/26/2009 11:47:26 AM
75 bids
 
Borrower Payment Dependent Notes Series 432700
This series of Notes was issued and sold upon the funding of the borrower loan #39724, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
Final lender yield: 22.44% Final borrower rate/APR: 23.44% / 25.72% Final monthly payment: $253.11
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 15.71%  
Lender servicing fee: 1.00% Estimated return: 6.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1996 Debt/Income ratio: 17%
Credit score: 620-639 (Oct-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:2y 11m
Amount delinquent: $0 Revolving credit balance: $503 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Homeownership: No  
Inquiries last 6m: 0    
Screen name: AlohaWaikiki Borrower's state: Hawaii Borrower's group: Integrowth Capital Solutions
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: 1 / 1 On-time: 16 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
640-659 (Jun-2008)
 
Principal balance: $3,096.71 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
2nd Prosper Loan, Biz in Waikiki,HI
Purpose of loan:
I'm going to use this loan?for opening costs of a business in Waikiki, Hawaii.? Each and every day thousands of tourists walk the streets of Waikiki;?this seed money will put me right in the heart of one of the most popular destinations on the planet.

My financial situation:
I am an excellent?candidate for this loan?as?I have?been a prosper client for over 15 months, I've never missed a payment and always have reserves (savings) for a rainy day.? I am an E-4 in the United States Air Force with a very steady paycheck and will be enlisted for at least another 4 years here in Hawaii.? I will be getting three pay raises in the next 10 months: one for increased years in service, one annual pay increase for government workers, and my promotion pay to E-5.? This pay increase will represent a 16.9% raise from 2009 to 2010.... a figure not too many Americans can compete with these days.?
As highlighted below, my income is substantially more than my outgoing monthly expenses:? Net Pay of $3700.00 and expenses of $1746.00

A final note...? On 10/18/09 I pulled my credit report and the results were:? Experian 657; Equifax 655; Transunion 646.
Monthly net income: $ 3700.00

Monthly expenses: $ 1746.00
??Housing: $ 550.00
??Insurance: $ 86.00
??Car expenses: $?300.00 (Fuel)
??Utilities: $?100.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $?179.00
??Clothing, household expenses $?179.00
??Credit cards and other loans: $ 262.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
Integrity1st has bid a total of $2,620.00 in winning bids.
"My Air Force colleague has kept his commitment on his current loan with a flawless payment history. He has an exceptional intellect, work experience in the personal finance arena, and is promoting rapidly in his current military career. I have absolutely no doubt that he will pay every penny of this loan back and my bids reflect that."
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Hey guy, I bid the last time too, was wonderingwhy did they cancel your listing?. I already bid on this one, but am asking becase I would like to bid more. - Kash2010lu
A: Whew! Kinda a long story. I apologize for the 2nd posting. Prosper canceled my last listing because of a hiccup in the address verification process. I recently moved from the barracks on Hickam Air Force Base to an off base rental home. In doing so, I no longer have a utility bill in my name at my new place of residence; I simply pay the owners my portion of said bill. I was unaware that I needed to provide a copy of my lease in lieu of that utility bill. Thus, I was required to re-post. (Nov-13-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Integrity1st$2,500.00$2,500.0011/12/2009 4:11:17 PM
MathProfessor$50.00$50.0011/12/2009 9:54:06 PM
sympathetic-greenback5$50.00$50.0011/15/2009 7:53:25 AM
investment-daydream$100.00$100.0011/15/2009 10:54:21 PM
Snoopylover$25.00$25.0011/16/2009 12:20:45 PM
pbnjelly$26.00$26.0011/16/2009 8:32:08 PM
boo_hoo$50.00$50.0011/17/2009 5:50:24 PM
martymaniaman$50.00$50.0011/18/2009 6:05:33 AM
hamster$34.05$34.0511/18/2009 11:52:01 AM
carmat60$50.00$50.0011/17/2009 9:56:50 PM
maga$25.00$25.0011/18/2009 3:07:44 PM
bonus-patriot$50.00$50.0011/18/2009 5:55:38 PM
economy-popcorn$25.00$25.0011/18/2009 7:13:36 PM
portfolio-turbine$50.00$50.0011/18/2009 8:10:10 PM
himistu22$25.00$25.0011/18/2009 10:00:56 PM
TakeCare$200.00$200.0011/18/2009 10:06:41 PM
Lender_1972$25.00$25.0011/19/2009 3:26:43 AM
MSCG$63.94$63.9411/19/2009 5:00:02 AM
ezvest$90.68$90.6811/19/2009 6:02:41 AM
Scubadiver$50.00$50.0011/19/2009 6:25:47 AM
GCSS$50.00$50.0011/19/2009 6:44:56 AM
TrudyM$100.00$100.0011/19/2009 7:40:04 AM
MacCutter$100.00$100.0011/19/2009 9:45:28 AM
DMKAssetManagement$28.11$28.1111/19/2009 9:46:44 AM
FL-Lender$50.00$50.0011/18/2009 8:45:34 PM
dslobbs$52.98$52.9811/19/2009 5:53:30 AM
jtoms101$100.00$100.0011/19/2009 7:31:06 AM
jrcctexas25$25.00$25.0011/19/2009 8:08:00 AM
zone6$200.00$200.0011/19/2009 8:09:50 AM
adventure0$300.00$300.0011/12/2009 7:40:13 PM
Unitas4302$150.00$150.0011/13/2009 3:44:13 AM
Kash2010lu$30.84$30.8411/13/2009 9:14:13 AM
Integrity1st$120.00$120.0011/16/2009 5:46:15 PM
Kash2010lu$25.00$25.0011/16/2009 9:08:36 PM
wbp$25.00$25.0011/18/2009 12:49:53 PM
Leshan$50.00$50.0011/18/2009 1:16:37 PM
Astyanax$25.00$25.0011/18/2009 9:12:02 AM
piano55$28.52$28.5211/18/2009 4:32:58 PM
BlessedEveryDay$50.00$50.0011/18/2009 7:08:24 PM
a275ranger$50.00$50.0011/18/2009 9:04:34 PM
kindness-jedi$50.00$50.0011/18/2009 4:09:54 PM
HVAC-Tech$30.86$30.8611/18/2009 10:54:52 PM
Credit2Prosper$98.50$98.5011/19/2009 5:44:18 AM
impala6464$150.00$150.0011/18/2009 4:52:25 PM
return-grizzly$100.00$100.0011/18/2009 5:19:17 PM
Gaelicman$100.00$100.0011/19/2009 9:22:17 AM
realtormoises$25.00$25.0011/19/2009 9:40:03 AM
Engineer44$30.00$27.3711/19/2009 9:58:51 AM
upbeat-wealth$25.00$25.0011/18/2009 7:27:17 PM
paradiseinvestor$50.00$50.0011/18/2009 8:43:13 PM
OGS_Capital$25.00$25.0011/19/2009 4:31:34 AM
fireferd$82.35$82.3511/19/2009 6:33:25 AM
investment-daydream$55.80$55.8011/19/2009 8:54:32 AM
TakeCare$200.00$200.0011/19/2009 8:56:29 AM
justice-hawk$300.00$300.0011/19/2009 9:29:59 AM
Cub4eva$80.00$80.0011/19/2009 9:55:18 AM
56 bids
 
Borrower Payment Dependent Notes Series 432714
This series of Notes was issued and sold upon the funding of the borrower loan #39673, 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-12-2009 
  Auction end date:  Nov-17-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $143.81
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $141.76
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Aug-2006 Debt/Income ratio: 6%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $103 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 20%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: elevated-interest 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
Nursing School For Little Sister
Purpose of loan:
I am re-posting my original listing to help my sister through nursing school. Please read below for more info and feel free to message me if you have any questions! Thank you!

I want to help my sister finish nursing school. She is the kind of person that absolutely belongs in the nursing field. Her charisma and passion for helping people and providing the best care to her patients makes me extremely proud to be her big sister. She is headed in the right direction towards a rewarding career in helping others. She has had to quit her part-time job because of the full workload in school, so money is really tight. I want to help her focus on school and less on her financial worries. She works extremely hard and deserves the support!

My financial situation:
I currently have a stable job at a very good Fortune 50 company, so making monthly payments will not be an issue. I also have an outstanding payment history and a credit score around 700+. I am still young and building my credit, thus a subpar Prosper rating. However, I have a stable career, have my finances in order, and can responsibly make the repayments.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 810
??Insurance: $ 80
??Car expenses: $ 25
??Utilities: $ 40
??Phone, cable, internet: $?180
??Food, entertainment: $ 125
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: please add more details about your job, where do you work, industry, what do you do, etc. thanks - shrewd-income
A: Hi There! I am a Sales Manager of a consumer goods and retail company. I manage retail accounts within a specified territory. I aid in share/volume growth, pricing, inventory/account management, product communications, and building relationships with business partners. I was recruited directly out of college earlier this year and have been working for the company for about 4 months. I hope this information helps. Thanks for your question and for your interest in my listing! (Nov-14-2009)
Q: Could you please give a little more info about your job? What is your current position, how long have you been working there, how is the company doing... Thanks and good luck with the funding! - zento
A: Hello! I may have answered most of your questions in a previous inquiry, so please refer to that post. In addition, the company I work for is doing quite well in the midst of a hurting economy. The company's diverse brand portfolio has contributed to its balanced performance this year and profits are up compared to this time last year. Hope that helps. Thanks for your question and for your interest in my listing! (Nov-14-2009)
Q: Hi, when is your sister going to graduate from school? - SweetHomeChicago
A: Hello! She is graduating next month. The loan would cover some remaining expenses including exam fees, review courses, etc. before she can apply for a job as well as housing and commute. Thanks for your interest in my listing! (Nov-15-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
zento$25.00$25.0011/12/2009 10:14:53 AM
reflective-rupee$25.00$25.0011/12/2009 10:21:19 AM
SweetHoneyPot$25.00$25.0011/12/2009 10:08:59 AM
reflective-rupee$50.00$50.0011/12/2009 2:49:50 PM
Sonihal$26.27$26.2711/12/2009 3:08:52 PM
rjglender$25.00$25.0011/12/2009 8:05:59 PM
platinum-piledriver$25.00$25.0011/12/2009 8:10:57 PM
durability-gusto$25.00$25.0011/13/2009 8:31:01 AM
top-asset-wizard$25.00$25.0011/13/2009 7:11:02 PM
pacifictaxman$80.00$80.0011/14/2009 12:29:35 PM
grotheik$25.00$25.0011/14/2009 10:28:04 AM
economy-popcorn$25.00$25.0011/14/2009 10:29:12 PM
TakeCare$30.00$30.0011/14/2009 1:10:08 PM
West_End_Local$50.00$50.0011/15/2009 9:20:45 AM
sethjs$389.02$389.0211/15/2009 8:50:00 AM
wwwUniversal$25.00$25.0011/15/2009 7:08:50 PM
penny-surgeon$25.00$25.0011/15/2009 11:43:35 PM
evergreen16$50.00$50.0011/15/2009 10:27:35 PM
Intelon$70.00$70.0011/15/2009 11:38:35 PM
chillinfoe$33.00$33.0011/16/2009 12:08:45 AM
Bekim$27.00$27.0011/15/2009 6:52:03 PM
Paraglider$40.00$40.0011/16/2009 12:55:59 PM
7arkahc$41.00$41.0011/16/2009 10:07:39 AM
FinanceEngine$25.00$25.0011/17/2009 8:21:30 AM
m60gpmg$50.00$50.0011/17/2009 9:26:55 AM
aprilapril$25.00$25.0011/17/2009 10:31:50 AM
trade-triangulation$25.00$25.0011/17/2009 1:21:55 AM
RPT$25.00$25.0011/17/2009 8:30:30 AM
Techne_Funds_LLC$25.00$25.0011/17/2009 4:22:16 PM
funds-kingdom$50.00$50.0011/17/2009 5:53:38 PM
impala6464$100.00$100.0011/17/2009 6:15:15 PM
lendme2$25.00$25.0011/12/2009 10:09:47 AM
payontime1$50.00$50.0011/12/2009 2:39:28 PM
reflective-rupee$25.00$25.0011/12/2009 10:46:06 AM
People-for-people$50.00$50.0011/12/2009 10:46:09 AM
Thunder08$25.00$25.0011/12/2009 4:35:13 PM
unk1911$25.00$25.0011/12/2009 4:54:57 PM
marwadi-62$25.00$25.0011/12/2009 5:22:43 PM
impressive-fund0$30.00$30.0011/12/2009 8:45:40 PM
SeeksValue$25.00$25.0011/12/2009 9:56:37 PM
portfolio-turbine$75.00$75.0011/13/2009 6:38:32 AM
bizguy1982$50.00$50.0011/13/2009 6:56:18 AM
dime-fighter$25.00$25.0011/13/2009 8:18:02 AM
Streamfeeder$50.00$50.0011/13/2009 9:41:36 AM
ValyaLibra01$100.00$100.0011/13/2009 7:01:10 AM
goofy15975$25.00$25.0011/13/2009 1:23:37 PM
charming-point$100.00$100.0011/13/2009 1:28:20 PM
credit-coach118$25.00$25.0011/13/2009 1:53:06 PM
fund-web3$25.00$25.0011/13/2009 5:17:07 PM
mikeyp411$37.41$37.4111/13/2009 5:29:06 PM
mercuriant$25.00$25.0011/13/2009 5:20:05 PM
RobinHood$50.00$50.0011/13/2009 10:26:36 PM
portfolio-turbine$25.00$25.0011/14/2009 9:28:35 AM
forthright-dedication$25.00$25.0011/14/2009 7:08:34 PM
GOPHERBOY$100.00$100.0011/14/2009 8:17:44 AM
Raye147$39.00$39.0011/15/2009 4:28:46 AM
gdbls$48.54$24.7311/15/2009 7:47:39 AM
ag-ventures$25.00$25.0011/15/2009 10:28:28 AM
jps888$50.00$50.0011/15/2009 6:02:34 PM
a275ranger$75.00$75.0011/15/2009 10:22:40 PM
site_ml$25.00$25.0011/15/2009 11:30:41 PM
Lefty_the_Lender$25.00$25.0011/15/2009 11:54:35 PM
carisma07$25.00$25.0011/16/2009 7:52:37 AM
mavenhaven$25.00$25.0011/16/2009 10:00:34 AM
danmanville01$25.00$25.0011/16/2009 10:12:41 AM
ogham$25.00$25.0011/16/2009 3:39:49 AM
wonderlandkat$25.00$25.0011/16/2009 1:29:14 PM
UCLA4life$25.00$25.0011/16/2009 9:38:49 AM
Snoopylover$25.00$25.0011/16/2009 12:20:47 PM
felicity-daydream$25.00$25.0011/16/2009 4:35:40 PM
nethosters$25.00$25.0011/16/2009 5:23:56 PM
lDewey$25.00$25.0011/16/2009 7:49:33 PM
AsianDragon$25.00$25.0011/16/2009 10:33:00 PM
golden-currency$25.00$25.0011/17/2009 4:31:57 AM
santhana$25.00$25.0011/17/2009 1:33:12 PM
Gaelicman$100.00$100.0011/17/2009 8:15:40 AM
triumph329$25.00$25.0011/17/2009 10:18:23 AM
lnrn$32.52$32.5211/17/2009 4:19:35 PM
ChrisKwan$25.00$25.0011/17/2009 4:31:04 PM
BBL$25.00$25.0011/17/2009 4:31:30 PM
TripleNickle$25.05$25.0511/17/2009 4:53:33 PM
money_player$50.00$50.0011/17/2009 4:40:09 PM
LarWit1512$25.00$25.0011/17/2009 5:01:16 PM
boo_hoo$50.00$50.0011/17/2009 5:46:42 PM
CatbirdBanking$25.00$25.0011/17/2009 6:15:14 PM
finance-vault$25.00$25.0011/17/2009 6:17:53 PM
86 bids
 
Borrower Payment Dependent Notes Series 432978
This series of Notes was issued and sold upon the funding of the borrower loan #39750, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-18-2009 
 
Starting lender yield: 11.04% Starting borrower rate/APR: 12.04% / 12.39% Starting monthly payment: $498.50
Final lender yield: 10.50% Final borrower rate/APR: 11.50% / 11.85% Final monthly payment: $494.64
 
Auction yield range: 3.29% - 11.04% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.99%  
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: Jun-1972 Debt/Income ratio: 26%
Credit score: 820-839 (Oct-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $866 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: banshee4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion
Purpose of loan:
This loan will be used to expand inventory and equipment.?A little capital will help achieve our goals and continue to grow.

My financial situation:
I am a good candidate for this loan because I have good credit. I have good credit because I have and will continue to pay loans back, in full and on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What types of goods and services does your company provide? - CIC
A: We offer the sale and service of commercial cleaning chemicals and equipment. Specifically kitchen dish machines and glass washing machines. (Nov-13-2009)
Q: How long have you been in business? - longisland47m
A: We have been incorporated since 04/2006. However I have been in this business for over 25 yrs. (Nov-18-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
wrighco$25.00$25.0011/12/2009 10:06:21 AM
kchen486$25.00$25.0011/12/2009 10:06:32 AM
miked8303$25.00$25.0011/12/2009 10:07:03 AM
hard-working-loot$25.00$25.0011/12/2009 10:07:31 AM
jd006006$50.00$50.0011/12/2009 10:07:45 AM
loan-warrior$25.00$25.0011/12/2009 10:08:08 AM
wise-spirited-nickel$25.00$25.0011/12/2009 10:08:43 AM
Banker7371$25.00$25.0011/12/2009 10:09:07 AM
Goodlender42$25.00$25.0011/12/2009 10:08:49 AM
well-mannered-income3$25.00$25.0011/12/2009 10:09:11 AM
cash-boots$30.00$30.0011/12/2009 10:12:14 AM
the-money-gargantuan$25.00$25.0011/12/2009 10:12:26 AM
leodaguy$25.00$25.0011/12/2009 10:12:58 AM
sharkm$25.00$25.0011/12/2009 10:13:28 AM
SoCalRancher$25.00$25.0011/12/2009 10:13:35 AM
Minotaur$36.00$36.0011/12/2009 10:14:31 AM
wampum-chorus3$25.00$25.0011/12/2009 10:17:05 AM
lucrative-worth$25.00$25.0011/12/2009 10:06:39 AM
TakeCare$100.00$100.0011/12/2009 10:06:56 AM
repayment-chef$25.00$25.0011/12/2009 10:08:30 AM
gracej$25.00$25.0011/12/2009 10:23:27 AM
elegant-bonus$100.00$100.0011/12/2009 10:23:45 AM
personal-lender$25.00$25.0011/12/2009 10:22:53 AM
Weaverville$25.00$25.0011/12/2009 10:23:01 AM
CASHGIRL$75.00$75.0011/12/2009 10:10:38 AM
Walkingcowboy$25.00$25.0011/12/2009 10:23:33 AM
thedoctor$25.00$25.0011/12/2009 10:24:44 AM
greenbackologist$25.00$25.0011/12/2009 10:24:34 AM
payout-optimizer$25.00$25.0011/12/2009 10:25:47 AM
GElender$50.00$50.0011/12/2009 10:26:12 AM
E_G$50.00$50.0011/12/2009 10:14:00 AM
Binan$25.00$25.0011/12/2009 10:28:21 AM
loaninvesting$25.00$25.0011/12/2009 10:28:35 AM
szetheli$100.00$100.0011/12/2009 10:31:10 AM
People-for-people$50.00$50.0011/12/2009 10:38:28 AM
DonaldColorado$25.00$25.0011/12/2009 10:39:51 AM
transparency-giant$50.00$50.0011/12/2009 10:39:57 AM
payout-point$100.00$100.0011/12/2009 10:40:52 AM
888168$50.00$50.0011/12/2009 10:41:00 AM
tallmon$25.00$25.0011/12/2009 10:41:06 AM
Attract$25.00$25.0011/12/2009 10:22:33 AM
neenerman$25.00$25.0011/12/2009 10:27:20 AM
evnagelist$25.00$25.0011/12/2009 12:06:36 PM
economy-balance$25.00$25.0011/12/2009 10:29:45 AM
DHolly$25.00$25.0011/12/2009 1:36:28 PM
blot44$25.00$25.0011/12/2009 2:18:31 PM
amit_gu$25.00$25.0011/12/2009 3:54:52 PM
mizon291$25.00$25.0011/12/2009 11:19:24 AM
mikeandcat$48.33$48.3311/12/2009 4:37:55 PM
suomynona$25.00$25.0011/12/2009 6:09:47 PM
newbietony$40.00$40.0011/12/2009 2:41:19 PM
Guiren$100.00$100.0011/12/2009 4:30:28 PM
responsibility-butterfly$25.00$25.0011/12/2009 4:32:10 PM
omniviper$25.00$25.0011/12/2009 5:56:40 PM
mjosa$25.00$25.0011/12/2009 7:03:51 PM
tolstoy00$25.00$25.0011/12/2009 11:34:23 PM
credit-coach118$35.00$35.0011/13/2009 8:54:59 AM
bid-promiser$25.00$25.0011/13/2009 9:34:01 AM
CIC$25.00$25.0011/13/2009 6:55:49 AM
Cheburashka$30.00$30.0011/13/2009 12:38:05 PM
wise-cash-keeper$50.00$50.0011/13/2009 9:35:50 AM
DukSerduk$25.00$25.0011/13/2009 2:15:06 PM
julijask$25.00$25.0011/13/2009 3:21:29 PM
asset-prescription$25.00$25.0011/13/2009 3:31:37 PM
greenback-floret$50.00$50.0011/13/2009 4:28:57 PM
ultimate-social$25.00$25.0011/13/2009 1:40:11 PM
g314$30.00$30.0011/13/2009 4:40:02 PM
ekmendenhall$25.00$25.0011/13/2009 7:55:25 PM
don8ter$60.00$60.0011/13/2009 11:14:47 PM
Klearwater_Pools$25.00$25.0011/14/2009 11:19:10 AM
trade-doughnut5$25.00$25.0011/14/2009 9:33:34 AM
LHSK$25.00$25.0011/15/2009 12:29:00 AM
101010$75.00$75.0011/14/2009 11:46:27 AM
BankOfFrankFairness$50.00$50.0011/15/2009 6:18:49 AM
clarkoa$25.00$25.0011/15/2009 6:43:41 AM
revenue-sniffer$25.00$25.0011/15/2009 9:13:56 AM
budyzr$25.00$25.0011/15/2009 8:58:25 AM
gethsemane4$25.00$25.0011/15/2009 9:28:40 AM
speyer$25.00$25.0011/15/2009 4:35:49 PM
lendahand75$161.40$161.4011/15/2009 10:56:34 AM
JTHarris$100.00$100.0011/15/2009 1:08:29 PM
steves73$25.00$25.0011/15/2009 2:48:46 PM
allieoomp$25.00$25.0011/15/2009 2:53:50 PM
orange-courageous-dedication$40.00$40.0011/15/2009 2:53:59 PM
just_for_today$25.00$25.0011/15/2009 3:30:31 PM
KiwiElf$30.00$30.0011/16/2009 2:23:40 AM
Lancasterdust$25.00$25.0011/16/2009 9:08:25 AM
supreme-hope$25.00$25.0011/16/2009 9:30:05 AM
aasx1108$25.00$25.0011/16/2009 9:38:31 AM
Rogesparkguy$25.00$25.0011/16/2009 9:45:20 AM
MAJESTIC5$50.00$50.0011/16/2009 9:45:46 AM
cowboyskier$50.00$50.0011/16/2009 10:59:35 AM
the-profit-worker$125.00$125.0011/16/2009 10:59:39 AM
forthright-money$25.00$25.0011/16/2009 10:56:28 AM
spin-kick$25.00$25.0011/16/2009 12:35:20 PM
Halos2002$50.00$50.0011/16/2009 8:44:00 AM
PatRichi$25.00$25.0011/16/2009 12:35:15 PM
hannum$25.00$25.0011/16/2009 1:53:34 PM
HUNTER599673$25.00$25.0011/16/2009 2:08:41 PM
generosity-neutrino$25.00$25.0011/16/2009 2:38:58 PM
truth-prospector$25.00$25.0011/16/2009 9:45:01 AM
wstpacific$25.00$25.0011/16/2009 2:46:02 PM
logical-p2ploan$25.00$25.0011/16/2009 2:46:06 PM
Rupees_n_Pesos$25.00$25.0011/16/2009 2:46:27 PM
jla720$25.00$25.0011/16/2009 10:25:06 AM
TrixieD$25.00$25.0011/16/2009 3:41:23 PM
albatross897$25.00$25.0011/16/2009 3:41:33 PM
taxdiscusion$25.00$25.0011/16/2009 3:53:39 PM
SonomaHills$25.00$25.0011/16/2009 1:10:02 PM
eighttone$25.00$25.0011/16/2009 1:10:08 PM
dparkhom$25.00$25.0011/16/2009 2:38:57 PM
best-community-platoon$25.00$25.0011/16/2009 3:34:04 PM
degster$25.00$25.0011/16/2009 5:25:17 PM
slowpig$50.00$50.0011/16/2009 5:25:51 PM
TriSail$25.00$25.0011/16/2009 5:24:26 PM
abidos$25.00$25.0011/16/2009 5:25:56 PM
grampy48$25.00$25.0011/16/2009 6:58:54 PM
sensible-trade$25.00$25.0011/16/2009 7:03:24 PM
blackstar$25.00$25.0011/16/2009 7:23:49 PM
nuclearmoose$25.00$25.0011/16/2009 10:43:54 PM
teejay411$25.00$25.0011/16/2009 8:18:47 PM
rakstar$50.00$50.0011/16/2009 9:00:16 PM
fortytwo$50.00$50.0011/16/2009 5:22:41 PM
Sixmil$25.00$25.0011/16/2009 5:24:28 PM
BiggestG$25.00$25.0011/16/2009 5:25:59 PM
scottburger$50.00$50.0011/17/2009 8:59:01 AM
the-auction-lotus$25.00$25.0011/17/2009 7:38:23 AM
Hogpilot$25.00$25.0011/16/2009 8:08:44 PM
bitbucket$50.00$50.0011/16/2009 8:13:37 PM
TeaEarlGrey$25.00$25.0011/16/2009 9:09:03 PM
Phantom99$25.00$25.0011/16/2009 9:49:40 PM
asset-numero-uno$100.00$100.0011/16/2009 10:38:50 PM
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zbfamwl$25.00$25.0011/17/2009 9:55:17 PM
vegaslender88$25.00$25.0011/18/2009 12:41:36 AM
thryn$25.00$25.0011/18/2009 6:06:08 AM
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i3urtonair$25.00$25.0011/18/2009 8:16:15 AM
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eastindianprince$25.00$25.0011/18/2009 8:50:18 AM
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crmoir$25.00$25.0011/18/2009 9:36:41 AM
celkram$25.00$25.0011/18/2009 9:37:14 AM
DeathScythe676$25.00$25.0011/18/2009 9:38:01 AM
djs81$25.00$25.0011/18/2009 10:02:15 AM
lucrative-durability$75.00$75.0011/18/2009 10:37:26 AM
dealmaster$75.00$75.0011/18/2009 10:43:06 AM
oskizzle$25.00$25.0011/18/2009 10:37:30 AM
buffalobills$25.00$25.0011/18/2009 10:59:06 AM
giannyny$25.00$25.0011/18/2009 11:01:38 AM
TheSmartAtheist$25.00$25.0011/18/2009 11:15:42 AM
visionary-currency$44.47$44.4711/17/2009 6:20:10 PM
Octavian315$50.00$48.5311/18/2009 12:20:29 PM
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blackbear$175.00$175.0011/17/2009 7:20:53 PM
dedication-stilleto$25.00$25.0011/17/2009 9:07:35 PM
ME-Entrepreneur$25.00$25.0011/18/2009 6:16:28 AM
bikingbtb$25.00$25.0011/18/2009 9:36:38 AM
yachey$25.00$25.0011/18/2009 9:37:32 AM
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jtoms101$100.00$100.0011/18/2009 10:55:42 AM
twjh$25.00$25.0011/18/2009 11:06:59 AM
SpotLending$50.00$50.0011/18/2009 11:27:28 AM
431 bids
 
Borrower Payment Dependent Notes Series 433042
This series of Notes was issued and sold upon the funding of the borrower loan #39763, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 31.76% Starting borrower rate/APR: 32.76% / 35.18% Starting monthly payment: $307.84
Final lender yield: 31.76% Final borrower rate/APR: 32.76% / 35.18% Final monthly payment: $307.84
 
Auction yield range: 14.29% - 31.76% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.30%  
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-1991 Debt/Income ratio: 21%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $16,517 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 68%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: fiscal-responsibility 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
Credit card payoff to purchase home
Purpose of loan:
This loan will be used to pay off credit cards to qualify for a home loan. I have sufficient funds for a deposit, down payment, and closing costs but would like to get a better rate by paying of $7000 in credit card debt which also allows me to meet a specific purchase price. Home is under contract and deposit has been cashed ($13,950).

My financial situation:
I am a good candidate for this loan because I have stable income and quarterly bonuses that I can use to repay all obligations. I can also use the proceeds of the first time home buyer rebate ($8,000) to repay any obligations as well as the proceeds from my deposit. Proof of home contract and deposit can be provided.

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 115
??Car expenses: $ 612
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1100
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe the nature of your employment. thanks. - reflective-rupee
A: I am a salaried Investment Advisor for a money management firm servicing high net worth clients. I also receive quarterly discretionary bonuses that I have received routinely for the past three years. (Nov-13-2009)
Q: Please list all of your debts. thanks. - reflective-rupee
A: Student loans ($25,000)...monthly payment $161 Car Payment ($18,375)...monthly payment $612 Unsecured Loan ($13,400)...monthly payment $413 Credit Card Balances ($16,400)...monthly payments...$550 (Nov-13-2009)
Q: Please indicate the proposed purchase price for the home you would like to buy, and please indicate how much debt your will take on to do so. thanks - reflective-rupee
A: Home purchase price is $460,000 (short sale bank approved). Appraisal came in at $495,000 I will take on $400,000 in debt at 5,375%. Monthly payment is approximately $2225. No PMI (VA Loan) (Nov-13-2009)
Q: see my page please. - Tono
A: Total Monthly Expenses: $3887 (Nov-18-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
People-for-people$50.00$50.0011/12/2009 10:45:42 AM
reflective-rupee$25.00$25.0011/12/2009 4:15:04 PM
reflective-rupee$210.00$210.0011/12/2009 4:54:06 PM
reflective-rupee$350.00$350.0011/13/2009 5:07:57 PM
well-mannered-income3$40.00$40.0011/14/2009 5:22:55 PM
reflective-rupee$420.00$420.0011/15/2009 6:36:46 PM
reflective-rupee$350.00$350.0011/16/2009 5:35:24 PM
noble-revenue$25.00$25.0011/16/2009 5:06:47 PM
well-mannered-income3$50.00$50.0011/16/2009 8:13:30 PM
reflective-rupee$50.00$50.0011/17/2009 1:09:43 PM
reflective-rupee$100.00$100.0011/17/2009 3:33:39 PM
BenR$100.00$100.0011/17/2009 12:08:49 PM
victorcab$50.00$50.0011/17/2009 8:38:03 PM
well-mannered-income3$75.00$75.0011/18/2009 7:18:11 AM
Astyanax$25.00$25.0011/18/2009 11:02:55 AM
jybank$25.00$25.0011/18/2009 2:43:50 PM
well-mannered-income3$50.00$50.0011/18/2009 7:20:48 PM
well-mannered-income3$100.00$100.0011/19/2009 6:04:00 AM
shrewd-income$150.00$150.0011/19/2009 6:48:12 AM
felicity-daydream$25.00$25.0011/19/2009 7:15:28 AM
RecoveryLender$25.00$25.0011/19/2009 9:21:49 AM
DasMula$150.00$150.0011/19/2009 9:57:45 AM
TakeCare$300.00$300.0011/18/2009 11:01:18 PM
umfan123$25.00$25.0011/19/2009 5:43:30 AM
reflective-rupee$50.00$50.0011/12/2009 4:23:55 PM
kindness-jedi$25.00$25.0011/14/2009 8:39:50 AM
brodav$50.00$50.0011/16/2009 12:21:09 AM
DasMula$250.00$250.0011/15/2009 5:39:25 PM
reflective-rupee$280.00$280.0011/16/2009 5:34:42 PM
101010$50.00$50.0011/17/2009 9:07:12 AM
investment-visionary$25.00$25.0011/17/2009 10:27:08 AM
reflective-rupee$300.00$300.0011/17/2009 3:34:01 PM
well-mannered-income3$75.00$75.0011/17/2009 5:19:08 PM
vivacious-p2p3$25.00$25.0011/18/2009 10:14:27 AM
reflective-rupee$2,000.00$2,000.0011/17/2009 6:00:05 PM
zone6$200.00$200.0011/18/2009 11:26:03 AM
shrewd-income$50.00$50.0011/18/2009 3:38:12 PM
reflective-rupee$280.00$220.2011/18/2009 7:19:25 AM
well-mannered-income3$50.00$50.0011/18/2009 11:41:02 AM
exciting-fairness$150.00$150.0011/18/2009 5:53:47 PM
Tono$25.00$25.0011/18/2009 7:28:14 PM
durability-colonel$50.00$50.0011/18/2009 8:07:53 PM
honorable-yield$100.00$100.0011/19/2009 7:21:40 AM
Engineer44$29.80$29.8011/19/2009 10:04:48 AM
spiff666$25.00$25.0011/18/2009 8:58:40 PM
jtoms101$100.00$100.0011/19/2009 7:34:57 AM
icecoldcash$100.00$100.0011/19/2009 10:04:27 AM
47 bids
 
Borrower Payment Dependent Notes Series 433178
This series of Notes was issued and sold upon the funding of the borrower loan #39775, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-12-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $102.72
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 28.32% Final monthly payment: $100.73
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Feb-1995 Debt/Income ratio: 56%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 19 / 16Employment status:Retired
Now delinquent: 0 Total credit lines: 52Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $1,651Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14% 
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: sharon526 Borrower's state: Virginia Borrower's group: CREDIT SQUARE
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: 12 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,400.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
640-659 (Sep-2008)
620-639 (Aug-2008)
600-619 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Taking Control Of my future
Purpose of loan:
This loan will be used to? Pay some hospital bills, taxes. I have some outstanding hospital bills ?that add up to 2000.00 and i would like to get them payed. The other 500.00 will go to some taxes for this year.?
My financial situation:
I am a good candidate for this loan because? I payed my first loan off with no problem. I am a no risk borrower. I am a very responsible person. I will pay back the balance of this loan when i get my tax return. I WILL ASK IF YOU WILL TRUST ME ONCE AGAIN.

Monthly net income: $ 3062.00

Monthly expenses: $
??Housing: $
??Insurance
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/12/2009 6:45:39 PM
JustMee$25.00$25.0011/12/2009 7:36:34 PM
reflective-rupee$25.00$25.0011/12/2009 8:09:41 PM
return-grizzly$100.00$100.0011/13/2009 4:15:15 PM
forthright-dedication$25.00$25.0011/14/2009 7:49:50 PM
shawnw2$35.00$35.0011/18/2009 9:38:08 AM
well-mannered-income3$50.00$50.0011/19/2009 6:07:48 AM
honorable-yield$50.00$50.0011/19/2009 7:27:37 AM
EEasyMoney$25.00$25.0011/18/2009 6:06:45 PM
yield-bison$25.00$25.0011/18/2009 8:01:10 PM
aha6297$39.87$39.8711/19/2009 10:37:21 AM
jybank$25.00$25.0011/19/2009 11:05:30 AM
credit-coach118$25.00$23.6511/19/2009 11:44:49 AM
Leshan$25.00$25.0011/19/2009 10:41:46 AM
wealth-grasshopper0$150.00$150.0011/19/2009 1:04:30 PM
durability-colonel$50.00$50.0011/19/2009 2:52:03 PM
JGuide$71.35$71.3511/19/2009 5:25:00 PM
carrinel$100.00$100.0011/19/2009 4:50:53 PM
credit-missile$135.70$135.7011/19/2009 6:20:20 PM
RecoveryLender$25.00$25.0011/19/2009 6:37:36 PM
wonderlandkat$25.00$25.0011/19/2009 6:26:45 PM
boodo$215.46$215.4611/19/2009 1:13:42 PM
hptcrabbers$25.00$25.0011/19/2009 2:57:58 PM
kindness-jedi$50.00$50.0011/19/2009 3:18:44 PM
CoolPlexer$25.00$25.0011/19/2009 5:11:28 PM
division177$25.00$25.0011/19/2009 6:38:17 PM
foothillender$25.00$25.0011/13/2009 8:01:59 AM
TakeCare$150.00$150.0011/13/2009 11:00:08 PM
zone6$200.00$200.0011/18/2009 11:10:56 AM
investment-visionary$25.00$25.0011/18/2009 1:31:13 PM
investment-cluster$25.00$25.0011/18/2009 2:26:29 PM
umfan123$25.00$25.0011/19/2009 5:41:23 AM
credit-missile$153.97$153.9711/19/2009 7:37:05 AM
People-for-people$50.00$50.0011/18/2009 6:56:49 PM
Astyanax$25.00$25.0011/19/2009 10:43:00 AM
economy-popcorn$25.00$25.0011/19/2009 10:59:49 AM
TakeCare$100.00$100.0011/19/2009 2:26:23 PM
seajab$25.00$25.0011/19/2009 3:17:58 PM
dorypro$25.00$25.0011/19/2009 4:51:33 PM
bestloanrate$25.00$25.0011/19/2009 5:56:13 PM
marwadi-62$100.00$100.0011/19/2009 5:20:13 PM
amor1962$25.00$25.0011/19/2009 6:23:58 PM
Rulea72$25.00$25.0011/19/2009 3:30:19 PM
Techne_Funds_LLC$25.00$25.0011/19/2009 4:18:53 PM
Saving4Food$25.00$25.0011/19/2009 4:23:08 PM
SeeksValue$25.00$25.0011/19/2009 6:36:08 PM
46 bids
 
Borrower Payment Dependent Notes Series 433296
This series of Notes was issued and sold upon the funding of the borrower loan #39787, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.44% Final monthly payment: $54.28
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
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: 1 First credit line: Oct-2008 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 3Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $584 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 15    
Screen name: voltage6 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
BYE BYE CREDIT CARD DEBT
Purpose of loan:
This loan will be used............
To get rid of my credit card debt. When I got married I had to get a credit card to pay for the ring she wanted, as well as get stuff for the house.??So I did and I have been reeping the extremely high interests rates from it ever since then. I want to just pay off the two credit cards and my small loan?I had to use and just have one smaller payment each month to Prosper.

My financial situation:
I am a good candidate for this loan.......
Even though I don't have a lot of credit the credit?I do have is good. I always stick to my word and do what I say that I will, I will pay back this loan. I am also in the military so I there is job secuirity.

Monthly net income: $
21000
Monthly expenses: $
??Housing: $?400
??Insurance: $ 25
??Car expenses: $0
??Utilities: $?100
??Phone, cable, internet: $0
??Food, entertainment: $ 100
??Clothing, household expenses $50
??Credit cards and other loans: $?250
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: From looking at your income vs. expenses it looks like you should have enough left over each month to cover this expense. Are all of your expenses not correctly listed? Thanks and good luck. - Hawkeyebank
A: No I did not list all of my expenses, My daughter was born on October 18, 2009 and when I read the explanation it said not to put other people in my households income I also thought that it meant not to put their expenses too so no they are not completely accurate since im the home provider the income is correct but the expenses are not exactly correct. (Nov-14-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Debby$50.00$50.0011/13/2009 11:09:04 PM
SNH$50.00$50.0011/16/2009 4:18:40 PM
silvercertificate$25.00$25.0011/17/2009 9:30:52 AM
bankbuddy55$25.00$25.0011/17/2009 7:16:06 PM
Gbrad88$100.00$100.0011/19/2009 1:08:02 PM
safe-money5$25.00$25.0011/20/2009 7:43:43 AM
aycinvestments$50.00$50.0011/20/2009 6:47:09 AM
daekpon$25.00$25.0011/20/2009 12:39:45 PM
tashara$25.00$25.0011/20/2009 1:28:07 PM
durability-colonel$50.00$50.0011/20/2009 2:47:00 PM
TheAlchemist$25.00$25.0011/19/2009 12:07:42 PM
mohara25$102.08$102.0811/19/2009 8:49:16 PM
gold-cluster$100.00$100.0011/19/2009 8:33:52 PM
NekHoldings$25.00$25.0011/20/2009 5:16:23 AM
Denbo32$31.59$31.5911/20/2009 8:03:07 AM
carrinel$95.00$95.0011/20/2009 6:36:13 AM
carrinel$50.00$50.0011/20/2009 10:34:34 AM
SweetHomeChicago$50.00$50.0011/20/2009 10:51:42 AM
reflective-rupee$400.00$296.3311/20/2009 11:20:52 AM
19 bids
 
Borrower Payment Dependent Notes Series 433376
This series of Notes was issued and sold upon the funding of the borrower loan #39676, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $75.52
Final lender yield: 15.90% Final borrower rate/APR: 16.90% / 19.10% Final monthly payment: $71.21
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.86%  
Lender servicing fee: 1.00% Estimated return: 9.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Feb-2003 Debt/Income ratio: 7%
Credit score: 640-659 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $4,982 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: wonderful-balance9 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
Want to Consolidate Debt!
Purpose of loan:
This loan will be used to?consolidate debt by paying off a couple of credit cards

My financial situation:
I am a good candidate for this loan because? I pay my bills on time! Had a little rough patch a few years ago but have come through it with flying colors! Looking to continue on that path!
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)
building_community$25.00$25.0011/20/2009 9:48:11 AM
woodslip$25.00$25.0011/20/2009 4:26:27 PM
Syzygy$25.00$25.0011/20/2009 11:19:46 PM
swti37$50.00$50.0011/21/2009 12:02:30 PM
deal_11$25.00$25.0011/21/2009 7:24:31 PM
evergreen16$50.00$50.0011/22/2009 12:13:55 PM
Unison$55.00$55.0011/22/2009 10:19:16 PM
UCSBGAUCHOS$27.50$27.5011/23/2009 11:13:38 AM
KLcapital$50.00$50.0011/22/2009 2:18:56 PM
redrose1518$30.00$30.0011/23/2009 2:43:09 PM
leverage-monger$300.00$300.0011/23/2009 2:52:33 PM
wealth-pipeline$25.00$25.0011/23/2009 3:09:50 PM
wild-orange$100.00$100.0011/23/2009 4:04:37 PM
wild-orange$100.00$100.0011/23/2009 4:02:24 PM
wild-orange$100.00$100.0011/23/2009 4:04:04 PM
Leshan$41.24$41.2411/23/2009 7:15:03 AM
jcw3rd$25.00$25.0011/23/2009 4:08:56 PM
theboygenius$62.99$62.9911/23/2009 12:42:08 PM
TakeCare$25.00$25.0011/23/2009 3:41:24 PM
Memphis-King$50.00$27.2711/23/2009 4:20:27 PM
randsenterprise$25.00$25.0011/16/2009 8:59:20 PM
marwadi-62$25.00$25.0011/17/2009 1:40:29 PM
Streamfeeder$50.00$50.0011/19/2009 9:35:00 AM
oceanside$25.00$25.0011/20/2009 5:00:00 PM
djlucas$50.00$50.0011/20/2009 7:40:11 PM
iResponsibleLender$165.00$165.0011/22/2009 4:17:29 AM
credit-coach118$35.00$35.0011/22/2009 9:42:12 AM
iResponsibleLender$30.00$30.0011/21/2009 12:14:09 AM
fatboy888$25.00$25.0011/23/2009 5:25:34 AM
nalaari$50.00$50.0011/23/2009 11:55:57 AM
Kyileo$25.00$25.0011/23/2009 1:28:20 PM
authoritative-social$25.00$25.0011/23/2009 2:29:27 PM
ryan6853$25.00$25.0011/23/2009 3:40:42 PM
wild-orange$100.00$100.0011/23/2009 4:03:11 PM
division177$25.00$25.0011/23/2009 4:13:36 PM
jybank$25.00$25.0011/23/2009 4:18:50 PM
wild-orange$100.00$100.0011/23/2009 4:03:39 PM
Engineer44$26.00$26.0011/23/2009 4:22:26 PM
38 bids
 
Borrower Payment Dependent Notes Series 433412
This series of Notes was issued and sold upon the funding of the borrower loan #39694, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 10.94% Starting borrower rate/APR: 11.94% / 14.07% Starting monthly payment: $331.86
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $329.28
 
Auction yield range: 4.29% - 10.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: May-1995 Debt/Income ratio: 28%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $17,296 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: alyssak44 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 41 ( 100% ) 760-779 (Latest)
Principal borrowed: $30,000.00< mo. late: 0 ( 0% )  
780-799 (Jan-2008)
740-759 (May-2006)
 
Principal balance: $10,687.07 1+ mo. late: 0 ( 0% )
Total payments billed: 41  
Description
Homeowner Opportunity Fulfilled
This would be my third Prosper loan - I paid off the first and have paid off 60% of the second.? I wholeheartedly believe in Prosper as a great opportunity to take control of your finances and take advantage of opportunities without being subject to revolving rates on loans.? As I've stated in the previous loans, I've been positioning myself to buy my first home and the opportunity is available now.

This loan will give me cash to supplement the first time homeowner's tax credit (which can be used as a down payment now).? I am renting now with my partner but the owners are interested in a direct sale when the timing is right for us.? A Prosper loan will speed up the time frame.

I have been at my company for seven years and have absolute job security as a successful head of a nonprofit organization.? I've never missed a credit card payment, never missed a loan payment, paid off a car loan, and I pay into my retirement plan.? The loan repayment schedule is very much within my capacity.? I am a solid investment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fortytwo$100.00$100.0011/16/2009 4:28:40 PM
hard-working-loot$25.00$25.0011/16/2009 4:29:05 PM
crazycool$35.00$35.0011/16/2009 4:29:14 PM
DonaldColorado$25.00$25.0011/16/2009 4:29:43 PM
AF-Chief$35.00$35.0011/16/2009 4:29:57 PM
miked8303$25.00$25.0011/16/2009 4:34:44 PM
anton$50.00$50.0011/16/2009 4:33:10 PM
MoneyU4IA$40.00$40.0011/16/2009 4:35:27 PM
roto$25.00$25.0011/16/2009 4:33:49 PM
cash-boots$25.00$25.0011/16/2009 4:33:57 PM
emo13$50.00$50.0011/16/2009 4:34:28 PM
antlr$25.00$25.0011/16/2009 4:35:00 PM
zoomdrm57$50.00$50.0011/16/2009 4:35:12 PM
repayment-chef$25.00$25.0011/16/2009 4:35:41 PM
leodaguy$25.00$25.0011/16/2009 4:38:52 PM
income-rocker2$250.00$105.9511/16/2009 4:40:10 PM
the_winning_ticket$35.00$35.0011/16/2009 4:39:04 PM
penny-surgeon$25.00$25.0011/16/2009 4:25:00 PM
sidney102$25.00$25.0011/16/2009 4:33:28 PM
sloak$25.00$25.0011/16/2009 4:36:32 PM
tallmon$25.00$25.0011/16/2009 4:38:37 PM
sharkm$25.00$25.0011/16/2009 4:39:15 PM
burgeoning-silver$25.00$25.0011/16/2009 4:39:44 PM
Aberdeen$300.00$300.0011/16/2009 5:03:25 PM
five-star-justice$36.00$36.0011/16/2009 4:48:44 PM
minista$25.00$25.0011/16/2009 5:05:57 PM
buphigam$25.00$25.0011/16/2009 5:23:00 PM
MAGLender$59.00$59.0011/16/2009 6:07:06 PM
note-guard$25.00$25.0011/16/2009 11:51:57 PM
GreenGables$32.56$32.5611/16/2009 9:47:33 PM
scarlet-velvet$25.00$25.0011/16/2009 5:59:27 PM
Marlin2010$25.00$25.0011/17/2009 12:11:38 PM
CHAZGEO6685$43.14$43.1411/17/2009 1:45:19 PM
hjscm$50.00$50.0011/17/2009 6:47:41 AM
rmpedi33$150.00$150.0011/17/2009 9:41:58 AM
orbiter614$25.00$25.0011/17/2009 4:51:25 PM
cunning-compassion1$25.00$25.0011/17/2009 1:10:40 PM
interstellar$35.33$35.3311/18/2009 3:47:32 AM
outofoffice$50.00$50.0011/17/2009 8:53:26 PM
liederhaus$50.00$50.0011/18/2009 4:45:27 PM
festivecpl$50.00$50.0011/18/2009 7:29:11 PM
1SteelerFan$35.00$35.0011/18/2009 11:20:16 PM
he-shoots-he-scores$50.00$50.0011/19/2009 9:55:27 AM
G-Love$200.00$200.0011/19/2009 10:41:28 AM
uvumf$30.00$30.0011/19/2009 12:50:28 PM
NoNameLender$50.00$50.0011/19/2009 7:56:38 PM
Ebanco$25.00$25.0011/19/2009 11:39:37 PM
hellasow$30.00$30.0011/20/2009 1:11:19 AM
RadarLuv$25.00$25.0011/20/2009 4:16:06 AM
suzanny$25.00$25.0011/20/2009 9:25:16 AM
credit-maestro$65.95$65.9511/19/2009 3:09:52 PM
crdcteng$25.00$25.0011/20/2009 9:34:48 AM
Bob450$25.00$25.0011/20/2009 9:48:42 AM
jtoms101$100.00$100.0011/20/2009 5:37:53 AM
GOPHERBOY$50.00$50.0011/20/2009 6:06:06 AM
bondhedger$25.00$25.0011/20/2009 9:51:05 AM
buckyhead2000$25.00$25.0011/20/2009 11:22:34 AM
genuine-money3$25.00$25.0011/20/2009 11:28:10 AM
bruin558$50.00$50.0011/20/2009 5:02:46 PM
jn_tiger$25.00$25.0011/20/2009 5:59:19 PM
jcw3rd$25.00$25.0011/20/2009 6:36:04 PM
GoldenTicket$48.23$48.2311/20/2009 7:35:05 PM
Gaelicman$150.00$150.0011/20/2009 6:50:19 PM
nalaari$57.28$57.2811/21/2009 8:06:16 AM
organic-platinum$25.00$25.0011/21/2009 4:34:23 AM
Light_Verity$500.00$500.0011/21/2009 8:38:51 AM
ArtLends$50.00$50.0011/20/2009 2:24:10 PM
bnordman$50.00$50.0011/21/2009 8:15:09 AM
gustavholstopus32$25.00$25.0011/21/2009 10:18:44 AM
JDLanier$25.00$25.0011/21/2009 9:18:02 AM
Hey_Joe$25.00$25.0011/21/2009 1:58:59 PM
JCMC$25.00$25.0011/20/2009 4:08:40 PM
People-for-people$50.00$50.0011/21/2009 5:46:34 PM
DenimCapital$50.00$50.0011/21/2009 12:54:24 PM
flwah$25.00$25.0011/20/2009 5:01:49 PM
Greg711$45.00$45.0011/21/2009 1:42:53 PM
Jiangtao$25.00$25.0011/21/2009 6:08:21 PM
NorthlandAlchemist$50.00$50.0011/22/2009 3:56:58 AM
interest-friendship$50.00$50.0011/20/2009 6:57:19 PM
oldman68$25.00$25.0011/21/2009 9:56:26 PM
shrewd-peace7$25.00$25.0011/22/2009 12:03:49 AM
mcabery$100.00$100.0011/22/2009 6:34:38 AM
principal-laser$200.00$200.0011/22/2009 7:45:15 AM
jmart30702$42.36$42.3611/22/2009 2:43:54 PM
building_community$100.00$100.0011/23/2009 5:27:00 AM
Pu239$50.00$50.0011/23/2009 8:39:56 AM
chilandman$100.00$100.0011/21/2009 7:29:14 PM
lendme2$50.00$50.0011/23/2009 9:57:33 AM
nickel-pipeline$50.00$50.0011/23/2009 8:40:17 AM
elvisloans$50.00$50.0011/23/2009 8:48:31 AM
jybank$25.00$25.0011/23/2009 11:21:32 AM
HarleyBoy$25.00$25.0011/23/2009 11:31:23 AM
GCCPartners$25.00$25.0011/23/2009 12:05:00 PM
asset-numero-uno$42.50$42.5011/23/2009 12:53:51 PM
Rider$25.00$25.0011/23/2009 12:40:34 PM
Bucket219$25.00$25.0011/23/2009 2:42:53 PM
djax$25.00$25.0011/23/2009 2:14:14 PM
APlusLender$110.00$110.0011/22/2009 5:18:12 PM
credit-coach118$50.00$50.0011/23/2009 3:30:59 PM
amitkj2000$40.00$40.0011/22/2009 8:55:03 PM
ArmyGuy$25.00$25.0011/23/2009 6:21:25 AM
buffalobills$25.00$25.0011/23/2009 8:12:24 AM
Astyanax$25.00$25.0011/23/2009 9:06:34 AM
Ssider$50.00$50.0011/23/2009 10:30:25 AM
shrewd-income$100.00$100.0011/23/2009 12:22:01 PM
anarchy1985$25.00$25.0011/23/2009 4:17:18 PM
Moxman125$25.00$25.0011/23/2009 3:23:46 PM
TakeCare$100.00$100.0011/23/2009 3:43:38 PM
desertoasis$25.00$25.0011/16/2009 4:28:57 PM
skuba$25.00$25.0011/16/2009 4:29:31 PM
wise-spirited-nickel$25.00$25.0011/16/2009 4:29:51 PM
Weaverville$25.00$25.0011/16/2009 4:31:34 PM
TakeCare$100.00$100.0011/16/2009 4:34:34 PM
Goodlender42$25.00$25.0011/16/2009 4:35:49 PM
CallMeBen$25.00$25.0011/16/2009 4:36:11 PM
wrighco$25.00$25.0011/16/2009 4:34:10 PM
lucrative-worth$25.00$25.0011/16/2009 4:34:21 PM
lloyd_s$25.00$25.0011/16/2009 4:36:41 PM
paintedposies$100.00$100.0011/16/2009 4:37:23 PM
Banker7371$25.00$25.0011/16/2009 4:35:59 PM
Cai8899$75.00$75.0011/16/2009 4:36:19 PM
iolaire$25.00$25.0011/16/2009 4:36:44 PM
E_G$30.00$30.0011/16/2009 4:39:32 PM
transaction-axis$25.00$25.0011/16/2009 4:39:58 PM
tremendous-payment$25.00$25.0011/16/2009 4:40:04 PM
CA_Lender$25.00$25.0011/16/2009 4:27:31 PM
cheapskate$37.32$37.3211/16/2009 4:28:30 PM
booksleuth$50.00$50.0011/16/2009 4:29:23 PM
mikeandcat$50.00$50.0011/16/2009 4:31:54 PM
five-star-note$25.00$25.0011/16/2009 4:33:40 PM
gizzywump$25.00$25.0011/16/2009 4:34:53 PM
first-wampum-trapper$25.00$25.0011/16/2009 4:35:20 PM
Diamond_Jim$25.00$25.0011/16/2009 4:37:05 PM
lend_to_you$50.00$50.0011/16/2009 4:38:42 PM
newbietony$25.00$25.0011/16/2009 4:39:10 PM
CASHGIRL$75.00$75.0011/16/2009 4:40:07 PM
slick8812$25.00$25.0011/16/2009 7:48:48 PM
Patrician$100.00$100.0011/16/2009 5:26:43 PM
treasure-bliss4$50.00$50.0011/16/2009 6:07:50 PM
liberty-oak$25.00$25.0011/16/2009 6:49:50 PM
marala4285$25.00$25.0011/16/2009 8:02:10 PM
iruz$55.50$55.5011/17/2009 1:51:09 PM
bonus-patriot$100.00$100.0011/18/2009 3:00:46 PM
Scubadiver$25.00$25.0011/18/2009 11:01:07 AM
bomdel$25.00$25.0011/18/2009 7:00:05 PM
lender12345$25.00$25.0011/20/2009 9:10:47 AM
Edgewood$25.00$25.0011/20/2009 8:28:11 AM
SCD$25.00$25.0011/19/2009 6:10:36 PM
credit-maestro$35.57$35.5711/19/2009 7:45:50 PM
JTHarris$100.00$100.0011/20/2009 8:27:11 AM
Dollars4Rent$25.00$25.0011/20/2009 9:23:19 AM
elegant-bonus$50.00$50.0011/20/2009 5:19:42 PM
Chessplayer71$27.81$27.8111/20/2009 5:26:11 PM
interest-friendship$50.00$50.0011/20/2009 6:57:41 PM
patriot384$50.00$50.0011/20/2009 5:05:04 PM
Rivermaverick$50.00$50.0011/20/2009 5:10:07 PM
MoneyTree79$100.00$100.0011/20/2009 6:43:12 PM
fostaman$25.00$25.0011/20/2009 8:59:45 PM
jakespirit$25.00$25.0011/21/2009 1:44:42 AM
doelenda$25.00$25.0011/21/2009 5:31:41 AM
momentous-coin$50.00$50.0011/20/2009 11:19:37 PM
JerryB96$25.00$25.0011/21/2009 7:55:55 AM
bkb7484$25.00$25.0011/21/2009 4:29:19 AM
mrreynol$25.00$25.0011/21/2009 8:40:38 AM
Richmp412$25.00$25.0011/21/2009 9:23:33 AM
iem2509$25.00$25.0011/21/2009 9:25:21 AM
platinum-dojo$52.34$52.3411/21/2009 12:54:13 PM
thegreatstrafe$25.00$25.0011/21/2009 4:17:34 PM
payout-magician$50.00$50.0011/21/2009 5:56:43 PM
innovator2$100.00$100.0011/22/2009 8:31:13 AM
crw1950$50.00$50.0011/20/2009 8:50:02 PM
danielamity$25.00$25.0011/22/2009 11:28:33 AM
deal-kung-fu$100.00$100.0011/22/2009 7:00:38 AM
purplepotato$25.20$25.2011/22/2009 12:22:37 PM
roswellandy$25.00$25.0011/22/2009 7:31:44 AM
ashinvest$35.00$35.0011/22/2009 2:22:21 PM
pilla$59.57$59.5711/22/2009 2:58:03 PM
OzGuy609$25.00$25.0011/21/2009 6:14:05 AM
PotBellyPete$30.98$30.9811/22/2009 10:54:28 AM
Feyenoord$25.00$25.0011/22/2009 5:18:10 PM
greenback-floret$50.00$50.0011/21/2009 9:28:47 AM
caseattle$25.00$25.0011/22/2009 4:36:49 PM
fairness-swashbuckler$50.00$50.0011/22/2009 10:01:20 PM
LenderCB$50.00$50.0011/22/2009 11:02:42 PM
usedtoborrow$50.00$50.0011/23/2009 5:37:42 AM
Chewbaca$25.00$25.0011/21/2009 12:04:45 PM
DenimCapital$100.00$100.0011/21/2009 12:53:40 PM
leverage-monger$100.00$100.0011/23/2009 7:16:53 AM
ussugm$25.00$25.0011/23/2009 7:37:44 AM
julijask$25.00$25.0011/21/2009 2:45:47 PM
edsmoney$100.00$100.0011/23/2009 8:03:14 AM
durable-investment8$30.00$30.0011/23/2009 9:11:57 AM
soular21804$25.00$25.0011/22/2009 2:30:49 AM
martymaniaman$25.00$25.0011/23/2009 11:22:12 AM
psbruce$25.00$25.0011/22/2009 8:11:41 AM
1SteelerFan$50.00$50.0011/23/2009 10:38:39 AM
the-profit-oracle$25.00$25.0011/23/2009 2:10:06 PM
MoneyForNothing$25.00$25.0011/23/2009 2:44:28 PM
medarocket$25.00$25.0011/22/2009 5:03:38 PM
Kissabledevil$50.00$50.0011/23/2009 2:21:32 PM
Rider$25.00$25.0011/23/2009 3:46:59 PM
Karensmoney$100.00$100.0011/22/2009 6:34:22 PM
porwestco$25.00$25.0011/23/2009 7:28:22 AM
wwwUniversal$25.00$25.0011/23/2009 9:40:58 AM
ratzlefrss$50.00$50.0011/23/2009 11:58:12 AM
wild-orange$100.00$100.0011/23/2009 4:14:52 PM
scotty61$34.67$34.6711/23/2009 1:04:06 PM
rbgnr111$25.00$25.0011/23/2009 1:09:01 PM
Kyileo$25.00$25.0011/23/2009 1:32:51 PM
transparency-tomahawk$100.00$100.0011/23/2009 2:28:16 PM
transparency-tomahawk$42.74$42.7411/23/2009 4:21:06 PM
division177$25.00$25.0011/23/2009 4:14:46 PM
212 bids
 
Borrower Payment Dependent Notes Series 433432
This series of Notes was issued and sold upon the funding of the borrower loan #39768, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $163.55
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $162.28
 
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: 9 First credit line: Jul-1998 Debt/Income ratio: 25%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $24,072 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: payout-fortress4 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off a credit card that is currently at 13.24% interest.

My financial situation: My salary is $80,409 per year (GS-12).
I am a good candidate for this loan because in February 2010, I will be moving to Iraq and my income will more than double, while my expenses will drop to almost nothing. I have never made a late payment. I want this loan in order to pay off the cards well before I deploy, rather than waiting another four months to get started paying them down.
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)
DonaldColorado$25.00$25.0011/16/2009 4:29:42 PM
hard-working-loot$25.00$25.0011/16/2009 4:35:04 PM
zoomdrm57$50.00$50.0011/16/2009 4:35:11 PM
syounker$25.00$25.0011/16/2009 4:35:34 PM
sidney102$25.00$25.0011/16/2009 4:33:27 PM
miked8303$25.00$25.0011/16/2009 4:34:44 PM
antlr$25.00$25.0011/16/2009 4:34:59 PM
Goodlender42$25.00$25.0011/16/2009 4:35:49 PM
lend_to_you$50.00$50.0011/16/2009 4:38:47 PM
the_winning_ticket$35.00$35.0011/16/2009 4:39:03 PM
E_G$50.00$50.0011/16/2009 4:39:37 PM
burgeoning-silver$25.00$25.0011/16/2009 4:39:51 PM
slartibardfast$35.00$35.0011/16/2009 4:45:39 PM
Weaverville$25.00$25.0011/16/2009 4:46:10 PM
Walkingcowboy$25.00$25.0011/16/2009 4:46:43 PM
greenbackologist$25.00$25.0011/16/2009 4:47:18 PM
a-responsible-return$25.00$25.0011/16/2009 4:45:55 PM
personal-lender$25.00$25.0011/16/2009 4:46:02 PM
five-star-note$25.00$25.0011/16/2009 4:48:39 PM
five-star-justice$36.00$36.0011/16/2009 4:48:48 PM
neighborly-hope6$100.00$100.0011/16/2009 4:47:03 PM
thedoctor$25.00$25.0011/16/2009 4:47:25 PM
rmachi$25.00$25.0011/16/2009 4:47:30 PM
sloak$25.00$25.0011/16/2009 4:36:32 PM
Binan$25.00$25.0011/16/2009 4:48:54 PM
tallmon$25.00$25.0011/16/2009 4:50:54 PM
anton$50.00$50.0011/16/2009 4:57:05 PM
AF-Chief$35.00$35.0011/16/2009 4:55:31 PM
kulender$25.00$25.0011/16/2009 4:58:31 PM
julijask$25.00$25.0011/16/2009 4:57:03 PM
don8ter$60.00$60.0011/16/2009 4:57:54 PM
BankOfFrankFairness$50.00$50.0011/16/2009 4:59:45 PM
gracej$25.00$25.0011/16/2009 4:46:35 PM
dionysus03$25.00$25.0011/16/2009 4:46:50 PM
steves73$25.00$25.0011/16/2009 5:01:37 PM
allieoomp$25.00$25.0011/16/2009 5:01:46 PM
888168$50.00$50.0011/16/2009 4:50:46 PM
truth-prospector$25.00$25.0011/16/2009 5:05:00 PM
jla720$25.00$25.0011/16/2009 5:05:25 PM
honorable-yield$75.00$75.0011/16/2009 5:05:39 PM
johannesfactotum$25.00$25.0011/16/2009 4:53:51 PM
the-money-gargantuan$25.00$25.0011/16/2009 4:54:25 PM
tolstoy00$25.00$25.0011/16/2009 4:54:58 PM
credit-coach118$35.00$35.0011/16/2009 4:56:49 PM
DadWarbucks$25.00$25.0011/16/2009 4:58:54 PM
ljay$25.00$25.0011/16/2009 4:59:25 PM
revenue-sniffer$25.00$25.0011/16/2009 5:01:22 PM
investment-zoo$25.00$25.0011/17/2009 6:00:58 PM
BankofPaul$50.00$50.0011/18/2009 6:02:31 AM
authoritative-social$25.00$25.0011/18/2009 7:37:15 PM
truth-smasher$25.00$25.0011/19/2009 10:34:25 PM
hellasow$25.00$25.0011/20/2009 1:27:10 AM
elegant-bonus$50.00$50.0011/20/2009 5:20:30 PM
RandyL3$26.93$26.9311/20/2009 5:02:10 PM
Syzygy$25.00$25.0011/20/2009 11:20:15 PM
momentous-coin$50.00$50.0011/20/2009 11:25:17 PM
fostaman$25.00$25.0011/20/2009 8:59:45 PM
Frugal$25.00$25.0011/20/2009 10:03:21 PM
gogene2002$25.00$25.0011/21/2009 8:54:13 AM
JGuide$25.00$25.0011/20/2009 5:57:29 PM
Kelor99$25.00$25.0011/23/2009 6:37:42 AM
fatboy888$25.00$25.0011/23/2009 5:27:06 AM
Richmp412$25.00$25.0011/23/2009 7:19:07 AM
dhallii$40.00$40.0011/22/2009 1:30:54 PM
Share-the-wealth$100.00$100.0011/23/2009 6:45:00 AM
maineyankee$25.00$25.0011/23/2009 8:09:36 AM
OoM$25.00$25.0011/23/2009 8:35:22 AM
njmlaj726$25.00$25.0011/23/2009 8:46:35 AM
JaceSpade$25.00$25.0011/23/2009 4:15:13 PM
division177$25.00$25.0011/23/2009 4:15:16 PM
HomerdohNY$25.00$25.0011/23/2009 2:40:22 PM
lucrative-worth$25.00$25.0011/16/2009 4:34:20 PM
emo13$50.00$50.0011/16/2009 4:34:27 PM
wrighco$25.00$25.0011/16/2009 4:34:09 PM
gizzywump$25.00$25.0011/16/2009 4:34:52 PM
first-wampum-trapper$25.00$25.0011/16/2009 4:35:20 PM
repayment-chef$25.00$25.0011/16/2009 4:35:40 PM
cash-boots$30.00$30.0011/16/2009 4:38:34 PM
sharkm$25.00$25.0011/16/2009 4:39:21 PM
BlindProphet$25.00$25.0011/16/2009 4:46:26 PM
trident9$50.00$50.0011/16/2009 4:46:55 PM
Attract$25.00$25.0011/16/2009 4:45:46 PM
SNH$50.00$50.0011/16/2009 4:48:24 PM
TakeCare$100.00$100.0011/16/2009 4:34:34 PM
MoneyU4IA$40.00$40.0011/16/2009 4:35:26 PM
justice-dna$35.00$35.0011/16/2009 4:47:11 PM
Banker7371$25.00$25.0011/16/2009 4:36:00 PM
Cai8899$75.00$75.0011/16/2009 4:36:20 PM
GElender$50.00$50.0011/16/2009 4:48:13 PM
lloyd_s$25.00$25.0011/16/2009 4:36:40 PM
bonus-patriot$25.00$25.0011/16/2009 4:48:21 PM
leodaguy$25.00$25.0011/16/2009 4:38:57 PM
Zarf$50.00$50.0011/16/2009 4:53:47 PM
newbietony$40.00$40.0011/16/2009 4:54:01 PM
Mr_Marcus$50.00$50.0011/16/2009 4:56:28 PM
magical-greenback$55.00$55.0011/16/2009 4:56:14 PM
Klearwater_Pools$25.00$25.0011/16/2009 4:58:43 PM
bchen78875$50.00$50.0011/16/2009 4:46:16 PM
DukSerduk$25.00$25.0011/16/2009 5:03:53 PM
economy-balance$25.00$25.0011/16/2009 4:49:01 PM
fair-funds$25.00$10.5911/16/2009 5:06:25 PM
evnagelist$50.00$50.0011/16/2009 4:53:34 PM
Havana21$50.00$50.0011/16/2009 4:54:06 PM
mikeandcat$50.00$50.0011/16/2009 4:56:35 PM
Patrician$53.98$53.9811/16/2009 5:26:44 PM
Speculator$25.00$25.0011/16/2009 4:57:15 PM
trade-doughnut5$25.00$25.0011/16/2009 4:58:25 PM
mamayama$25.00$25.0011/16/2009 4:59:05 PM
gethsemane4$25.00$25.0011/16/2009 5:00:36 PM
crenen139$100.00$100.0011/16/2009 5:01:06 PM
orange-courageous-dedication$40.00$40.0011/16/2009 5:01:52 PM
amit_gu$50.00$50.0011/16/2009 5:04:19 PM
best-decisive-peace$25.00$25.0011/16/2009 5:05:53 PM
GUIDOLANDIA$25.00$25.0011/17/2009 6:58:10 AM
unk1911$25.00$25.0011/17/2009 4:31:07 PM
Torvald$27.50$27.5011/17/2009 1:22:30 PM
springpanda$25.00$25.0011/17/2009 5:16:16 PM
outofoffice$50.00$50.0011/17/2009 8:53:48 PM
cu2maro$25.00$25.0011/18/2009 10:16:18 AM
lendme2$50.00$50.0011/17/2009 8:10:32 PM
Cherrypicker$50.00$50.0011/18/2009 2:40:20 PM
beachfunder$25.00$25.0011/19/2009 12:38:41 PM
availableloan$25.00$25.0011/19/2009 10:29:29 PM
Cherrypicker$50.00$50.0011/20/2009 9:13:24 AM
fair_rates$25.00$25.0011/20/2009 12:55:21 PM
1SteelerFan$25.00$25.0011/20/2009 10:08:24 PM
buckyhead2000$25.00$25.0011/20/2009 5:02:56 PM
KingCroesus$25.00$25.0011/20/2009 8:34:42 PM
favorite-truth$25.00$25.0011/20/2009 10:49:54 PM
jakespirit$25.00$25.0011/21/2009 1:52:11 AM
oldman68$25.00$25.0011/22/2009 2:47:57 PM
caseattle$25.00$25.0011/22/2009 4:37:48 PM
JerryB96$25.00$25.0011/21/2009 7:56:23 AM
Floridagirl$25.00$25.0011/22/2009 1:08:52 PM
amitkj2000$40.00$40.0011/22/2009 8:55:04 PM
patriot384$100.00$100.0011/21/2009 5:47:55 PM
microfunder$25.00$25.0011/23/2009 7:23:18 AM
crw1950$50.00$50.0011/23/2009 7:52:46 AM
durability-colonel$50.00$50.0011/23/2009 10:00:50 AM
wwwUniversal$25.00$25.0011/23/2009 9:41:25 AM
PotBellyPete$75.00$75.0011/23/2009 11:35:06 AM
JohnSmith10$50.00$50.0011/22/2009 12:29:25 PM
cmcdonald22$25.00$25.0011/23/2009 2:56:30 PM
143 bids
 
Borrower Payment Dependent Notes Series 433472
This series of Notes was issued and sold upon the funding of the borrower loan #39672, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 7.69% Starting borrower rate/APR: 8.69% / 9.03% Starting monthly payment: $31.66
Final lender yield: 6.77% Final borrower rate/APR: 7.77% / 8.11% Final monthly payment: $31.23
 
Auction yield range: 3.29% - 7.69% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: May-1995 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $50,070 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: prudent-gain7 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
First Loan with Prosper
Purpose of loan:
This loan will be used to get to know the Prosper community.? I am new to Prosper and would like to learn how the process and website work from both the borrower side and lender side and that is why the loan amount is so low. You are guaranteed to receive on time payments as I will leave the funds in my Prosper account so that the loan can repay itself leaving only the interest for me to pay??.a price well worth the knowledge gained in my eyes.?

My financial situation:
I am?an excellent?candidate for this loan because I have never missed a payment on any debt in my life.? I have completely paid off both of my cars, pay my credit cards in full every month and only carry mortgage debt.??The revolving debt shown in my "Borrower's Credit Profile" listed above is due to a $50,000 HELOC and?is NOT credit card debt.? I can only assume that the same $50,000 HELOC was used in calculating my bankcard percentage.??

Thank you for your time and consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you start bidding some $$ now so we can see you are serious about becoming a Lender? - JGuide
A: Yes, I will start right now. Just happy to see how Prosper works......thanks for your inquiry. (Nov-17-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
springpanda$75.00$75.0011/17/2009 5:10:08 PM
The-Lighthouse-Group$25.00$25.0011/20/2009 2:31:44 AM
KDW08$25.00$25.0011/20/2009 1:56:52 PM
kindness-jedi$50.00$50.0011/22/2009 12:16:28 PM
jmainc$25.00$25.0011/23/2009 6:31:49 AM
FundMaker$25.00$25.0011/23/2009 8:16:00 AM
dollarboy$25.00$25.0011/23/2009 1:35:01 PM
jybank$50.00$48.4611/23/2009 4:17:36 PM
wild-orange$500.00$500.0011/23/2009 4:15:33 PM
kinetic-social$30.00$30.0011/23/2009 4:23:33 PM
authoritative-social$25.00$25.0011/19/2009 4:32:39 AM
hellasow$30.00$30.0011/20/2009 1:31:41 AM
Walden2007$25.00$25.0011/22/2009 9:26:39 AM
MoneyForNothing$25.00$25.0011/23/2009 2:57:31 PM
rcs2003$66.54$66.5411/23/2009 3:06:15 PM
15 bids
 
Borrower Payment Dependent Notes Series 433524
This series of Notes was issued and sold upon the funding of the borrower loan #39725, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 13.02% Starting borrower rate/APR: 14.02% / 16.42% Starting monthly payment: $51.28
Final lender yield: 12.75% Final borrower rate/APR: 13.75% / 16.15% Final monthly payment: $51.08
 
Auction yield range: 4.29% - 13.02% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 10.60%  
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: 9 First credit line: Apr-1993 Debt/Income ratio: Not calculated
Credit score: 760-779 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Not employed
Now delinquent: 0 Total credit lines: 3Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $1,532Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 9% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: kind-ideal-leverage 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
Transition Period to New Job
Purpose of loan:
This loan will be used to pay both my rent and health insurance for the month of December. I was laid off from my job due to state budget cuts to the private organization I worked for. I have a degree in Information Systems from a well known University and have almost two years of full time work experience (part of school program). I'm in a transition phase to a new job that I will be starting in the near future. It will take several weeks after I start in order to receive my first paycheck. Due to being a recent college graduate and having very little notice to being laid off I simply do not have the funds to cover my rent and health insurance for the upcoming month.


My financial situation:
I am a good candidate for this loan because I have never missed a credit card payment in the 2 years of regular use of a credit card and have no other loan obligations. I have a good work ethic and have a strong desire to succeed. I never thought that I'd be applying for a loan and asking for help but I simply don't have any other options. I plan to fully pay off the loan by February 31, 2010 so it's very short term. Also, If I received the necessary funding, a year from now I'd like to invest in this site as a lendor so others may benefit who have been in similar situations.

Thank you for taking the time to consider my application.
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)
Mav26$131.26$131.2611/18/2009 1:45:06 PM
iolaire$25.00$25.0011/19/2009 7:59:30 AM
JaceSpade$25.00$25.0011/18/2009 9:43:21 PM
appcoder$35.00$35.0011/22/2009 9:05:39 PM
Ristefo$45.73$45.7311/23/2009 7:09:41 AM
TakeCare$25.00$25.0011/23/2009 3:51:18 PM
SweetHomeChicago$200.00$200.0011/22/2009 8:28:17 PM
wild-orange$100.00$100.0011/23/2009 4:05:40 PM
Shanster84$50.00$50.0011/23/2009 11:00:33 AM
rbgnr111$25.00$25.0011/23/2009 1:13:03 PM
bestloanrate$50.00$50.0011/19/2009 9:19:17 AM
JerryB96$25.00$25.0011/21/2009 8:02:42 AM
serene-capital$25.00$25.0011/21/2009 1:40:03 AM
rjsdsu$35.00$35.0011/23/2009 6:57:27 AM
payout-reaction740$25.00$25.0011/23/2009 10:10:39 AM
JSCAB-06$25.00$25.0011/23/2009 10:55:54 AM
jybank$25.00$25.0011/23/2009 11:47:02 AM
cashhelp$25.00$25.0011/22/2009 12:07:41 PM
ryan6853$50.00$50.0011/23/2009 3:47:44 PM
steady-dime$25.00$3.0111/23/2009 3:51:33 PM
gain-dolphin$50.00$50.0011/22/2009 7:20:34 PM
wild-orange$100.00$100.0011/23/2009 4:06:20 PM
wild-orange$100.00$100.0011/23/2009 4:06:02 PM
Brown98$25.00$25.0011/23/2009 9:50:45 AM
Moxman125$25.00$25.0011/23/2009 3:25:49 PM
division177$25.00$25.0011/23/2009 4:18:40 PM
wild-orange$100.00$100.0011/23/2009 4:06:39 PM
wild-orange$100.00$100.0011/23/2009 4:06:59 PM
caseattle$25.00$25.0011/23/2009 4:24:47 PM
29 bids
 
Borrower Payment Dependent Notes Series 433600
This series of Notes was issued and sold upon the funding of the borrower loan #39777, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.39% Final monthly payment: $86.00
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.08%  
Lender servicing fee: 1.00% Estimated return: 13.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Dec-1982 Debt/Income ratio: 17%
Credit score: 620-639 (Oct-2009) Current / open credit lines: 26 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $189,823 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pgavin Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
660-679 (Jun-2008)
 
Principal balance: $4,267.97 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Roof Work
Purpose of loan:
This loan will be used to repair my roof before expected heavy snow this winter.

My financial situation:
I am a good candidate for this loan because my history of paying this type of loan is good.?

Monthly net income: $ 7800

Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 140
??Car expenses: $500
??Utilities: $ 600
??Phone, cable, internet: $ 100
??Food, entertainment: $ 800
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 2000
??Other expenses: $ 500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$50.00$50.0011/16/2009 4:56:06 PM
Eloise62$75.00$75.0011/17/2009 7:34:48 AM
bankbuddy55$50.00$50.0011/16/2009 8:02:34 PM
return-grizzly$100.00$100.0011/17/2009 12:38:01 PM
reflective-rupee$50.00$50.0011/17/2009 1:09:48 PM
sirguyon$50.00$50.0011/17/2009 10:16:51 AM
scarlet-velvet$25.00$25.0011/19/2009 4:21:16 PM
DJReflections$25.00$25.0011/19/2009 3:33:16 PM
Credit2Prosper$49.00$49.0011/20/2009 7:36:37 PM
Gobsek$25.00$25.0011/22/2009 9:29:05 AM
KaChingInvestments$25.00$25.0011/23/2009 4:37:20 AM
DasMula$100.00$100.0011/23/2009 10:02:29 AM
CA_Lender$25.00$25.0011/23/2009 1:16:01 PM
kinetic-social$25.00$25.0011/23/2009 4:25:01 PM
just-trade0$36.00$36.0011/23/2009 4:14:23 PM
reflective-rupee$50.00$50.0011/16/2009 4:54:48 PM
reflective-rupee$25.00$25.0011/16/2009 4:55:42 PM
jpf27$100.00$100.0011/17/2009 7:33:16 AM
EEasyMoney$25.00$25.0011/19/2009 7:06:12 AM
MrDance123$25.00$25.0011/19/2009 10:48:21 AM
peb44$25.00$25.0011/19/2009 5:14:45 PM
lender12345$25.00$25.0011/20/2009 9:11:48 AM
reflective-rupee$25.00$25.0011/20/2009 9:55:35 AM
shawnw2$50.00$50.0011/20/2009 2:09:32 PM
generosity-angel$100.31$100.3111/21/2009 9:08:08 AM
realtormoises$25.00$25.0011/21/2009 11:05:46 AM
Feyenoord$25.00$25.0011/22/2009 5:07:26 PM
reflective-rupee$25.00$25.0011/21/2009 11:11:37 AM
wealth-pipeline$25.00$25.0011/23/2009 9:17:43 AM
elvisloans$50.00$50.0011/23/2009 9:00:45 AM
PotBellyPete$75.00$75.0011/23/2009 11:42:01 AM
jules3304$25.00$25.0011/23/2009 1:31:31 PM
SFBank$150.00$107.0711/22/2009 1:13:29 PM
fireferd$157.62$157.6211/23/2009 1:05:11 PM
platinum-goat4$25.00$25.0011/23/2009 3:59:31 PM
I_want_to_help_you$25.00$25.0011/23/2009 3:21:51 PM
TakeCare$200.00$200.0011/23/2009 3:56:13 PM
division177$25.00$25.0011/23/2009 4:20:18 PM
nickel-pipeline$50.00$50.0011/23/2009 4:10:29 PM
39 bids
 
Borrower Payment Dependent Notes Series 433648
This series of Notes was issued and sold upon the funding of the borrower loan #39671, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,100.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $140.23
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $140.23
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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: 3 First credit line: Sep-1990 Debt/Income ratio: 43%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 57Length of status:23y 0m
Amount delinquent: $10,490 Revolving credit balance: $16,395 Occupation: Flight Attendant
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: stewmary 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: 1 / 1 On-time: 17 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
660-679 (Sep-2009)
660-679 (Aug-2009)
660-679 (May-2008)
 
Principal balance: $1,231.09 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
100% Prosper Record-Need 2nd Loan
Purpose of loan:
3 beautiful,smart girls in college, need a little help to finish paying for their year in school plus enough for small Christmas presents. In addition to my loan that has never been late my husband has a stellar Prosper record as well. He has 2 loans (loan #37361-$1075 borrowed, balance of $801 that will be paid in full on or before Oct. 2011; loan #21142-$4000 borrowed, balance of $1571 that will be paid in full on or before Oct 2010), so you can see we are very serious Prosper borrowers. Husband is a real estate agent and we did get hit hard by the downturn in the housing market but business is definitely up! He has made over $43000 so far this year with 3 contracts being negotiated, 2 pending sales to close by end of year and 12 listings on the market so we are on an upswing! In addition to his real estate job, he works part-time (5-7:30 am) at FedEx with that job bringing in $400 a month. I have over 20 years of home ownership (currently in 3d house owned) with stellar payment history until last year but as you can see from our history, no delinquencies in last 6 months. We did get behind on our mortgage but have a payment arrangement with Chase (our lender) and have 3 months in a row of on-time payments and back on track with them. We are also making in-roads on revolving debt (Belk charge of over $500 paid in full the last few months), the usage percent is also high because we cancelled 2 cards but still had small balances that are being paid off. I encourage you to bid with confidence as our record on Prosper is stellar as you can see.
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 160
??Car expenses: $?500
??????Utilities: $ 85
??Phone, cable, internet: $ 90
??Food, entertainment: $ 150
Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Prosper has your husbands loans 'wsrltr' as 218924 and 403567. Note to lenders that even though the mortgage went thru a bumpy period the prosper loan is spotless. Strong payment. Think the loan is solid, better when you dig than on first glance - quickstep
A: Thank you for the endorsement and for clariying the loan issues as according to my husband's Prosper acct., the acct numbers on this listing are correct. (Nov-17-2009)
Q: Could you give a combined all in total of how your free cash flow and debt will be after the funding of this loan. thanks JJ - quickstep
A: We are looking at combined income in neighborhood (conservative) of $90,000 plus the FedEx job of my husband that brings in $440 month which is more than enough pay Prosper. Our total outlay every month for house,cars, loans,etc. is in the neighborhood of $3700 a month. Did go through a rough patch with husband's income being down (reflected in our credit score) but things more than back on track. Keep in mind, 3 loans to Prosper, never a minute late! (Nov-17-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
quickstep$100.00$100.0011/16/2009 6:19:10 PM
quickstep$100.00$100.0011/17/2009 12:20:32 PM
quickstep$225.00$225.0011/17/2009 2:10:37 PM
quickstep$100.00$100.0011/18/2009 11:56:36 AM
quickstep$100.00$100.0011/18/2009 6:02:38 PM
Cash4U2also$50.00$50.0011/18/2009 11:43:58 PM
credit-coach118$25.00$25.0011/19/2009 11:50:40 AM
Bomber$29.53$29.5311/20/2009 7:50:37 AM
lender12345$25.00$25.0011/20/2009 9:13:13 AM
reflective-rupee$25.00$25.0011/20/2009 9:43:01 AM
reflective-rupee$25.00$25.0011/20/2009 9:43:30 AM
well-mannered-income3$75.00$75.0011/19/2009 8:00:58 PM
reflective-rupee$500.00$500.0011/19/2009 10:00:41 PM
well-mannered-income3$75.00$75.0011/20/2009 9:06:46 AM
reflective-rupee$25.00$25.0011/20/2009 9:42:13 AM
reflective-rupee$25.00$25.0011/20/2009 9:42:47 AM
DasMula$100.00$100.0011/20/2009 3:14:57 PM
RecoveryLender$25.24$25.2411/21/2009 10:34:55 AM
run_dmc$50.00$50.0011/21/2009 8:55:44 AM
reflective-rupee$31.00$31.0011/20/2009 7:53:02 PM
SV-AZ$25.00$25.0011/20/2009 9:15:36 PM
People-for-people$50.00$50.0011/22/2009 6:58:06 AM
durability-colonel$50.00$50.0011/21/2009 7:13:26 AM
newbietony$25.00$25.0011/22/2009 1:38:16 PM
infomas$50.00$50.0011/22/2009 10:08:14 PM
well-mannered-income3$50.00$50.0011/21/2009 6:30:40 PM
Lubava$25.00$25.0011/23/2009 5:14:57 AM
reflective-rupee$25.00$25.0011/17/2009 8:38:00 AM
quickstep$100.00$100.0011/17/2009 7:51:05 PM
reflective-rupee$75.00$75.0011/17/2009 9:35:06 PM
quickstep$50.00$50.0011/18/2009 3:37:19 AM
Jim33$25.00$25.0011/18/2009 10:15:40 PM
unk1911$25.00$25.0011/19/2009 10:22:13 AM
EEasyMoney$25.00$25.0011/20/2009 7:10:05 AM
reflective-rupee$250.00$250.0011/19/2009 10:01:18 PM
reflective-rupee$25.00$25.0011/20/2009 9:42:30 AM
love_what_you_do$25.00$25.0011/20/2009 3:38:12 PM
goodcents$25.00$25.0011/20/2009 11:11:15 PM
Laxa$25.00$25.0011/21/2009 3:17:57 AM
beach_bum$25.00$25.0011/21/2009 9:37:28 AM
reliable-vigilance$25.00$25.0011/21/2009 10:15:20 AM
gold-gatherer9$25.00$25.0011/21/2009 12:43:42 PM
stable-loan$50.00$50.0011/20/2009 6:07:17 PM
myutmost$40.40$40.4011/21/2009 7:51:42 AM
grotheik$25.00$25.0011/22/2009 12:30:29 PM
penny-sergeant$25.00$23.8311/21/2009 9:58:40 AM
medarocket$25.00$25.0011/22/2009 5:11:02 PM
Feyenoord$25.00$25.0011/22/2009 5:11:24 PM
quicksilver70$25.00$25.0011/22/2009 6:59:22 PM
shrewd-income$50.00$50.0011/22/2009 8:50:19 PM
TakeCare$100.00$100.0011/22/2009 9:12:24 PM
51 bids
 
Borrower Payment Dependent Notes Series 433682
This series of Notes was issued and sold upon the funding of the borrower loan #39760, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 30.90% Final borrower rate/APR: 31.90% / 34.31% Final monthly payment: $130.50
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.12%  
Lender servicing fee: 1.00% Estimated return: 14.78%  
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: 6 First credit line: Dec-1994 Debt/Income ratio: 6%
Credit score: 600-619 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $1,237 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 27 Homeownership: No  
Inquiries last 6m: 0    
Screen name: micheline1 Borrower's state: Tennessee 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: 1 / 1 On-time: 18 ( 100% ) 600-619 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
620-639 (May-2008)
 
Principal balance: $3,415.04 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
2nd Prosper Loan
Purpose of loan:
This loan will be used to? consolidate debt

My financial situation:
I am a good candidate for this loan because? I currently have a thriving internet business as well as a full time professional job.??This loan will be used to consolidate debt.? I am the Assistant Director of Admissions at a school making $48,000/year.? I was able to acquire another Prosper loan in the past and that loan has been paid on time EVERY month just like this loan will be.?

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 600.00
??Insurance: $ 100.00
??Car expenses: $ 400.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
investment-visionary$25.00$25.0011/19/2009 3:47:05 PM
the-profit-oracle$25.00$25.0011/20/2009 9:12:04 AM
return-grizzly$100.00$100.0011/21/2009 2:24:28 PM
impala6464$75.00$75.0011/20/2009 7:22:18 PM
EEasyMoney$25.00$25.0011/23/2009 7:07:40 AM
loan-squadron$30.00$30.0011/23/2009 10:24:25 AM
EngineerUSMC$100.00$100.0011/23/2009 10:58:59 AM
quicksilver70$25.00$25.0011/22/2009 6:46:18 PM
forthright-dedication$25.00$25.0011/22/2009 8:51:34 PM
sdkevin$30.31$30.3111/23/2009 6:22:15 PM
Kash2010lu$25.00$25.0011/23/2009 5:59:59 PM
Lubava$25.00$25.0011/24/2009 5:33:09 AM
Snoopylover$25.00$25.0011/24/2009 6:10:47 AM
dime-fighter$30.00$30.0011/24/2009 6:15:36 AM
Pages$25.00$25.0011/24/2009 7:33:23 AM
marwadi-62$25.00$25.0011/24/2009 7:45:34 AM
MrLeft$25.00$25.0011/24/2009 7:58:47 AM
durability-colonel$50.00$50.0011/24/2009 9:54:22 AM
WMY-Investor$250.00$250.0011/24/2009 10:35:15 AM
impartial-deal$25.00$25.0011/24/2009 11:46:18 AM
Doug1043$25.00$25.0011/24/2009 12:21:37 PM
mcshew99$30.24$30.2411/24/2009 1:22:17 PM
penny-surgeon$25.00$25.0011/24/2009 3:07:39 PM
wealth-pipeline$25.00$25.0011/24/2009 3:01:18 PM
daekpon$40.00$40.0011/24/2009 3:57:34 PM
MoneyForNothing$25.00$25.0011/24/2009 3:23:52 PM
TakeCare$50.00$50.0011/24/2009 3:19:34 PM
AsianDragon$35.00$35.0011/24/2009 3:46:55 PM
enthusiastic-capital1$50.00$50.0011/24/2009 4:19:46 PM
well-mannered-income3$75.00$75.0011/24/2009 4:25:41 PM
flexible-economy2$350.00$254.3611/24/2009 4:46:03 PM
capital-galaxy$75.00$75.0011/24/2009 5:06:19 PM
friendinmoney$50.00$50.0011/24/2009 5:07:06 PM
just-trade0$36.00$36.0011/24/2009 5:01:45 PM
Cash4U2also$50.00$50.0011/18/2009 11:49:41 PM
DasMula$100.00$100.0011/20/2009 3:26:01 PM
EEasyMoney$25.00$25.0011/22/2009 3:52:26 PM
sweety075$25.00$25.0011/22/2009 8:51:48 PM
Leshan$29.48$29.4811/23/2009 2:40:11 PM
enthusiastic-balance5$200.00$200.0011/22/2009 7:29:52 PM
the-silver-blaster$25.00$25.0011/23/2009 6:08:53 PM
scarlet-velvet$25.00$25.0011/23/2009 5:40:52 PM
carmat60$25.00$25.0011/23/2009 11:15:47 PM
ayiticheri$25.00$25.0011/24/2009 3:53:03 AM
credit-maestro$26.70$26.7011/24/2009 6:06:38 AM
Rip128$50.00$50.0011/24/2009 10:04:26 AM
Rancid$29.25$29.2511/24/2009 3:50:18 PM
TakeCare$100.00$100.0011/24/2009 3:14:26 PM
Rip128$50.00$50.0011/24/2009 4:25:39 PM
loss-of-control$25.00$25.0011/24/2009 4:27:31 PM
transparency-tomahawk$100.00$100.0011/24/2009 4:27:40 PM
Bob450$25.00$25.0011/24/2009 4:31:08 PM
gold-cluster$100.00$100.0011/24/2009 4:55:10 PM
prudent-gain7$50.00$50.0011/24/2009 4:43:14 PM
Lender_1972$25.00$25.0011/24/2009 5:01:32 PM
capital-galaxy$100.00$100.0011/24/2009 5:06:44 PM
ohmarkybaby$28.66$28.6611/24/2009 5:07:22 PM
57 bids
 
Borrower Payment Dependent Notes Series 433688
This series of Notes was issued and sold upon the funding of the borrower loan #39751, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.39% Final monthly payment: $172.00
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.08%  
Lender servicing fee: 1.00% Estimated return: 13.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jan-1999 Debt/Income ratio: 24%
Credit score: 600-619 (Nov-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $58,176 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 103%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: FusionFrog1 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 29 ( 94% ) 600-619 (Latest)
Principal borrowed: $6,500.00< mo. late: 2 ( 6% )  
540-559 (Aug-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
Medical bills for our little girl
Given the current economic environment, my wife and I understand the importance of prudent financial planning. I have a well-paying job in corporate banking, have a degree in finance (currently getting an MBA with a finance emphasis) and I take every possible measure to plan for retirement while we are still relatively young. Based on our budget, I set aside the appropriate amount for monthly living expenses, and a reasonable amount into an emergency fund, and the remainder of my paycheck goes directly into retirement accounts.

This past January, our beautiful daughter, Madeleine, was born, but due to complications during her birth (pneumothorax and stridor), she had to spend several weeks in the NICU. Although we are fortunate to have excellent health insurance through United Healthcare, the medical expenses for both my wife and daughter exceeded the funds available in our emergency fund and cut into our living funds. I've since put retirement contributions on hold, and though all medical bills have been paid in full, we will require this loan to help us get back on track for the remainder of 2009 and into 2010. I believe that taking a loan is more prudent that an early withdrawal of retirement funds and the associated fees and taxes.

I had a Prosper loan several years ago, which my wife and I used to consolidate debt prior to our marriage. That loan was paid in full ahead of schedule, and I decided to return to Prosper due to the great experience we had with the Prosper community. I wanted to mention that Prosper would not approve the use of my annual bonus in income calculations. This past March, I received an annual bonus of $59,150, which is roughly 40% of my total income and each March that figure increases dramatically.? My actual debt / income ratio is therefore far lower than that indicated by the listing, and as indicated by our credit stats, the HR rating seems to be based only on our high credit card utilization. Our monthly budget (salary only, prior to bonus) is shown below.

Salary????????????????????????????????????????????????????????????$5,163.28
Rent???????????????????????????????????????????????????????????????(1,260.00)
Living Expenses ??????????????????????? ??????????????????????? (950.00)
Car Payment???? ??????????????????????? ??????????????????????? (550.00)
Bills????? ??????????????????????? ??????????? ??????????? ??????????? (552.00)
Credit Cards (More than minimum pmt.)?????????????? (515.00)
New York Life Custom Whole Life Policy????????????? (620.00)
Car Insurance??????????????? ??????????? ??????????? ??????????? (200.00)??
NET INCOME??? ??????????? ??????????????????????? ??????????? $516.28

Thanks for taking the time to take a look at my listing!
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)
maverick32$25.00$25.0011/18/2009 6:09:25 PM
maverick32$100.00$100.0011/20/2009 6:28:00 PM
shawnw2$50.00$50.0011/22/2009 1:03:33 AM
sweety075$25.00$25.0011/22/2009 10:26:55 AM
Kash2010lu$25.00$25.0011/22/2009 1:05:17 PM
scarlet-velvet$25.00$25.0011/23/2009 8:49:10 AM
loan-squadron$30.00$30.0011/23/2009 10:17:00 AM
PXM-Financial$50.00$50.0011/23/2009 10:45:04 AM
don'twannadance$50.00$50.0011/23/2009 10:14:30 AM
EngineerUSMC$100.00$100.0011/23/2009 10:47:59 AM
Ray3486$25.00$25.0011/23/2009 12:23:24 PM
MiniCapital$25.00$25.0011/23/2009 12:36:58 PM
shrewd-income$361.89$361.8911/23/2009 5:57:35 PM
the-silver-blaster$50.00$50.0011/23/2009 6:03:56 PM
DonDiego$25.00$25.0011/24/2009 12:43:00 AM
djmjkelso$25.00$25.0011/24/2009 12:36:55 AM
crw1950$50.00$50.0011/24/2009 7:09:20 AM
DasMula$100.00$100.0011/24/2009 8:10:26 AM
PotBellyPete$60.00$60.0011/24/2009 8:15:18 AM
realtormoises$25.00$25.0011/24/2009 10:03:20 AM
durability-colonel$50.00$50.0011/24/2009 9:55:45 AM
money_player$26.69$26.6911/24/2009 11:37:37 AM
impartial-deal$25.00$25.0011/24/2009 11:47:09 AM
Rulea72$25.00$25.0011/24/2009 11:51:13 AM
justme4now$25.00$25.0011/24/2009 12:21:40 PM
Doug1043$25.00$25.0011/24/2009 12:29:15 PM
shrewd-income$113.11$113.1111/24/2009 1:34:11 PM
dorypro$50.00$50.0011/24/2009 2:57:24 PM
MoneyForNothing$25.00$25.0011/24/2009 3:13:18 PM
the-profit-oracle$25.00$17.3111/24/2009 3:49:13 PM
well-mannered-income3$75.00$75.0011/24/2009 4:29:22 PM
prudent-gain7$50.00$50.0011/24/2009 4:44:25 PM
transparency-tomahawk$100.00$100.0011/24/2009 4:30:48 PM
Jazzy503$25.00$25.0011/24/2009 4:57:54 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:45 PM
shrewd-income$25.00$25.0011/17/2009 6:25:25 PM
shawnw2$50.00$50.0011/20/2009 5:03:09 PM
EEasyMoney$50.00$50.0011/23/2009 7:08:34 AM
101010$50.00$50.0011/21/2009 5:13:57 PM
Astyanax$25.00$25.0011/23/2009 9:47:38 AM
Defuser$50.00$50.0011/23/2009 11:50:58 AM
Gobsek$25.00$25.0011/22/2009 9:26:03 AM
Leshan$29.00$29.0011/23/2009 2:41:29 PM
vivacious-p2p3$25.00$25.0011/22/2009 5:54:56 PM
enthusiastic-balance5$344.00$344.0011/22/2009 7:35:05 PM
Astyanax$25.00$25.0011/23/2009 9:48:01 AM
amor1962$25.00$25.0011/23/2009 4:45:34 PM
methodical-loot$25.00$25.0011/23/2009 5:45:18 PM
p2p-gala$25.00$25.0011/23/2009 6:32:06 PM
JSDIG$25.00$25.0011/23/2009 6:56:43 PM
truth-smasher$25.00$25.0011/23/2009 7:07:24 PM
authoritative-social$25.00$25.0011/23/2009 7:21:21 PM
invincible-gain$100.00$100.0011/23/2009 8:30:20 PM
clemclan$25.00$25.0011/23/2009 8:45:58 PM
bootanksmom$25.00$25.0011/23/2009 9:39:51 PM
carmat60$25.00$25.0011/23/2009 11:17:33 PM
portfolio-turbine$25.00$25.0011/24/2009 4:30:45 AM
anarchy1985$25.00$25.0011/24/2009 7:42:33 AM
d_grbg$25.00$25.0011/24/2009 8:05:29 AM
buffalobills$25.00$25.0011/24/2009 8:13:40 AM
TFAD72$25.00$25.0011/24/2009 10:48:41 AM
bestloanrate$50.00$50.0011/24/2009 11:07:38 AM
HomerdohNY$25.00$25.0011/24/2009 2:13:40 PM
batman12$150.00$150.0011/24/2009 2:52:41 PM
lender12345$25.00$25.0011/24/2009 3:28:30 PM
shrewd-income$500.00$500.0011/24/2009 3:58:32 PM
groovychick$25.00$25.0011/24/2009 4:04:01 PM
proton4$40.00$40.0011/24/2009 4:07:45 PM
gain-dynamo7$25.00$25.0011/24/2009 4:32:49 PM
Mikale360$25.00$25.0011/24/2009 4:37:51 PM
jybank$25.00$25.0011/24/2009 4:48:50 PM
loss-of-control$25.00$25.0011/24/2009 4:31:30 PM
ohmarkybaby$28.00$28.0011/24/2009 5:06:30 PM
Fun54115$25.00$25.0011/24/2009 4:37:35 PM
74 bids
 
Borrower Payment Dependent Notes Series 433716
This series of Notes was issued and sold upon the funding of the borrower loan #39670, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $104.00
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $98.22
 
Auction yield range: 4.29% - 14.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Nov-1991 Debt/Income ratio: 11%
Credit score: 780-799 (Oct-2009) Current / open credit lines: 24 / 20Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 67Length of status:12y 4m
Amount delinquent: $24 Revolving credit balance: $47,898 Occupation: Doctor
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: Ambassador 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
Trying out Prosper
Purpose of loan: I am trying out Prosper. I like the idea of peer to peer lending?and would like to be involved in helping others, rather?than helping the?bankers. I will use this money to pay off some of my higher interest loans and also use to start lending?to others in need.

My financial situation:
Employed for over 12 years at a federal job (thes jobs tend to be stable).
My children are already done with college.
Annual Salary is well over 180,000
I have additional private practice to supplement income
I own a home (valued at about $500,000
My retirement account is over $300,000
I don't own any money to IRS
I am currently uptodate with payment of all my debts.
One debt of $24 dollars escaped my attention several years ago due to the renters utility?bill going to the rental house I owned. I have paid this $24 dollar already. Since it did? not materially affect me in any way, I decided to let this "default" listing expire in 2010 instead of spending time to have it removed from my credit. If any of you know of a simple way of doing so please let me know (No phone number in the credit report is available to contact).
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 Why was your proper rating 3 at your first listing? Do you have other debt except the one you indicated in the listing? Thanks, - p2ploan-sensation211
A: I don't have others debts, although I do have more income from 2 other part time jobs. The rating probably changed in relation to the loan amount requested (at least that is suggested per PROSPER.COM web site). (Nov-24-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
zento$25.00$25.0011/21/2009 10:57:52 AM
Walden2007$25.00$25.0011/22/2009 9:25:28 AM
AllanBK$25.00$25.0011/22/2009 3:59:07 PM
gothampark$25.00$25.0011/22/2009 6:53:14 PM
Sealion$50.00$50.0011/21/2009 9:00:15 AM
fatboy888$25.00$25.0011/23/2009 5:38:04 AM
bondhedger$25.00$25.0011/21/2009 1:32:10 PM
Astyanax$25.00$25.0011/23/2009 10:04:59 AM
money-watcher$25.00$25.0011/22/2009 7:15:34 AM
brightest-economy-tsunami$25.00$25.0011/23/2009 10:32:35 AM
medarocket$25.00$25.0011/22/2009 5:15:22 PM
blue-relay$28.96$28.9611/23/2009 2:32:13 PM
TakeCare$100.00$100.0011/23/2009 4:05:20 PM
jybank$25.00$25.0011/23/2009 4:29:52 PM
Oak-Parker$25.00$25.0011/23/2009 6:30:13 PM
loss-of-control$100.00$100.0011/23/2009 5:20:38 PM
cash-widget$25.00$25.0011/23/2009 6:26:36 PM
gustavholstopus32$25.00$25.0011/23/2009 7:14:20 PM
forthright-platinum$25.00$25.0011/23/2009 11:11:44 PM
principal-laser$200.00$200.0011/24/2009 4:37:03 AM
sugybutt$31.22$31.2211/24/2009 7:03:06 AM
MrLeft$25.00$25.0011/24/2009 7:59:46 AM
crdcteng$37.00$19.1411/24/2009 9:17:24 AM
durability-colonel$50.00$50.0011/24/2009 9:58:10 AM
kf88$25.00$25.0011/24/2009 11:15:28 AM
BoCo$25.00$25.0011/24/2009 11:34:13 AM
tenchi2777$25.00$25.0011/24/2009 11:37:22 AM
Nasdaq$50.00$50.0011/24/2009 1:31:02 PM
atlas100$25.00$25.0011/24/2009 3:13:27 PM
wild-orange$200.00$200.0011/24/2009 3:20:21 PM
dmitriy2$25.00$25.0011/24/2009 3:49:50 PM
selo80$25.00$25.0011/24/2009 4:07:31 PM
patriot384$100.00$100.0011/24/2009 4:12:37 PM
Mikale360$25.00$25.0011/24/2009 4:18:33 PM
People-for-people$50.00$50.0011/24/2009 4:22:48 PM
Kissabledevil$35.72$35.7211/24/2009 4:25:45 PM
elegant-bonus$100.00$100.0011/24/2009 4:58:31 PM
p2ploan-sensation211$26.00$26.0011/24/2009 5:03:21 PM
CallMeBen$25.00$25.0011/17/2009 5:14:41 PM
bomdel$25.00$25.0011/19/2009 8:00:23 AM
availableloan$25.00$25.0011/20/2009 5:01:41 PM
minista$25.00$25.0011/21/2009 11:14:54 AM
productive-currency3$25.00$25.0011/21/2009 10:28:47 PM
Walden2007$25.00$25.0011/22/2009 9:25:53 AM
stuy1998$30.00$30.0011/22/2009 8:23:04 AM
taylodo$56.00$56.0011/22/2009 2:42:23 PM
enticing-treasure5$25.00$25.0011/22/2009 9:04:30 AM
power-cell$25.00$25.0011/22/2009 9:16:27 AM
medarocket$25.00$25.0011/22/2009 5:15:04 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:39 PM
JDL51$75.00$75.0011/23/2009 12:25:50 PM
the-profit-oracle$25.00$25.0011/23/2009 6:43:29 PM
sisepuede$30.00$30.0011/23/2009 7:31:47 PM
Champ3295$25.00$25.0011/23/2009 4:53:06 PM
icanhelpyouout$25.00$25.0011/23/2009 6:49:23 PM
buffalobills$25.00$25.0011/23/2009 9:55:29 PM
money-prophesy$100.00$100.0011/24/2009 8:37:26 AM
jtoms101$100.00$100.0011/24/2009 11:21:35 AM
impartial-deal$25.00$25.0011/24/2009 11:48:44 AM
DenimCapital$150.00$150.0011/24/2009 11:38:22 AM
bornsucka$25.00$25.0011/24/2009 12:07:44 PM
spc91x$25.00$25.0011/24/2009 12:24:36 PM
momentous-transaction8$38.31$38.3111/24/2009 12:36:06 PM
lender73w$25.00$25.0011/24/2009 2:49:28 PM
TakeCare$100.00$100.0011/24/2009 3:21:52 PM
canterburykid$104.65$104.6511/24/2009 3:41:04 PM
daekpon$25.00$25.0011/24/2009 3:59:15 PM
dmk2006$25.00$25.0011/24/2009 4:08:41 PM
68 bids
 
Borrower Payment Dependent Notes Series 433764
This series of Notes was issued and sold upon the funding of the borrower loan #39688, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $22,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 21.64% Starting borrower rate/APR: 22.64% / 24.91% Starting monthly payment: $847.49
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $818.72
 
Auction yield range: 8.29% - 21.64% Estimated loss impact: 6.64%  
Lender servicing fee: 1.00% Estimated return: 12.46%  
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: Feb-2000 Debt/Income ratio: 21%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $3,266 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 21%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: cmdqueue Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 800-819 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
840-859 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Little bit of Everything
Purpose of loan:
Continue to use Prosper to expand credit worthiness, consolidate loans and make some investments in my portfolio

My financial situation:
I am a good candidate for this loan because...my rent is all-inclusive $850 (no other bills) and the home I own is rented out and covers all costs (out of state and to a family member).

I have a good full-time job, do not pay for gas, and practice financial discipline often. I have the means to pay back my loan w/o relying on any returns on my investments. Rent ($850) along with phone ($60) and insurance premium ($60) are all I pay for monthly.

My Monthly Bills:

Net Income: ~$3000
Rent: $850
Cell: $60
Insurance: $60
Gas: $0 (work paid)
Food: Less than $100

I have no other costs except revolving balances I pay every month if I use them. *Upped the starting %
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 is there a big drop on your credit rating from AA to C? - justice-hawk
A: Not sure - prosper rankings changed when they re-did stuff. (Nov-21-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fortytwo$150.00$150.0011/17/2009 5:10:57 PM
booksleuth$50.00$50.0011/17/2009 5:11:04 PM
Diamond_Jim$25.00$25.0011/17/2009 5:15:10 PM
lend_to_you$50.00$50.0011/17/2009 5:15:48 PM
sharkm$25.00$25.0011/17/2009 5:16:06 PM
gold-sushi$25.00$25.0011/17/2009 5:16:44 PM
burgeoning-silver$25.00$25.0011/17/2009 5:16:20 PM
transaction-axis$25.00$25.0011/17/2009 5:16:31 PM
Frenchynh$25.00$25.0011/17/2009 5:17:27 PM
tremendous-payment$25.00$25.0011/17/2009 5:16:34 PM
Lightlife$50.00$50.0011/17/2009 5:17:31 PM
CASHGIRL$75.00$75.0011/17/2009 5:16:37 PM
rmachi$25.00$25.0011/17/2009 5:17:35 PM
gracej$25.00$25.0011/17/2009 5:17:52 PM
brother_tam$50.00$50.0011/17/2009 5:16:55 PM
mikrolown$25.00$25.0011/17/2009 5:17:09 PM
Clambake$50.00$50.0011/17/2009 5:18:15 PM
charming-point$50.00$50.0011/17/2009 5:17:17 PM
bchen78875$25.00$25.0011/17/2009 5:18:27 PM
chicco$80.00$80.0011/17/2009 5:18:38 PM
socialbanker$25.00$25.0011/17/2009 5:18:42 PM
payout-achievement$40.00$40.0011/17/2009 5:17:41 PM
wise-extraordinary-loot$30.00$30.0011/17/2009 5:17:47 PM
kulender$25.00$25.0011/17/2009 5:17:49 PM
benefit-squirrel$30.00$30.0011/17/2009 5:19:12 PM
lagnisiruk$25.00$25.0011/17/2009 5:19:22 PM
money2k$25.00$25.0011/17/2009 5:19:27 PM
Dutchhunter$25.00$25.0011/17/2009 5:19:03 PM
gold-disk$50.00$50.0011/17/2009 5:19:19 PM
shrewd-deal$25.00$25.0011/17/2009 5:20:13 PM
3am-preacher$25.00$25.0011/17/2009 5:21:14 PM
wrighco$25.00$25.0011/17/2009 5:21:34 PM
lendme2$50.00$50.0011/17/2009 5:21:10 PM
VBAces$50.00$50.0011/17/2009 5:21:36 PM
MoneyU4IA$25.00$25.0011/17/2009 5:21:40 PM
Banker7371$25.00$25.0011/17/2009 5:21:31 PM
syounker$25.00$25.0011/17/2009 5:21:49 PM
hyetech$35.00$35.0011/17/2009 5:22:58 PM
steady-gain5$25.00$25.0011/17/2009 5:23:06 PM
wise-cash-keeper$25.00$25.0011/17/2009 5:23:56 PM
djh47a$30.00$30.0011/17/2009 5:24:14 PM
scoobiedoo$25.00$25.0011/17/2009 5:24:25 PM
DadWarbucks$25.00$25.0011/17/2009 5:25:17 PM
vkorichkov$30.00$30.0011/17/2009 5:25:26 PM
KVEER$25.00$25.0011/17/2009 5:25:50 PM
Palacios$50.00$50.0011/17/2009 5:26:08 PM
crenen139$50.00$50.0011/17/2009 5:26:06 PM
orange-courageous-dedication$30.00$30.0011/17/2009 5:26:26 PM
TheGrayFox$25.00$25.0011/17/2009 5:26:43 PM
three-for-6$50.00$50.0011/17/2009 5:27:01 PM
AF-Chief$25.00$25.0011/17/2009 5:10:50 PM
Buffer10$100.00$100.0011/17/2009 5:27:22 PM
Cheburashka$25.00$25.0011/17/2009 5:27:29 PM
fair-funds$25.00$25.0011/17/2009 5:27:38 PM
wise-spirited-nickel$50.00$50.0011/17/2009 5:11:15 PM
People-for-people$50.00$50.0011/17/2009 5:28:23 PM
JohnW12$25.00$25.0011/17/2009 5:11:57 PM
HAVEANICEDAY$25.00$25.0011/17/2009 5:28:28 PM
Hogpilot$25.00$25.0011/17/2009 5:29:04 PM
littlemonkey$25.00$25.0011/17/2009 5:29:17 PM
meteoric-asset4$25.00$25.0011/17/2009 5:30:11 PM
mstebnicki$25.00$25.0011/17/2009 5:29:49 PM
freqflyer$25.00$25.0011/17/2009 5:30:28 PM
cash-boots$25.00$25.0011/17/2009 5:13:40 PM
Tavita$25.00$25.0011/17/2009 5:30:42 PM
boater01$50.00$50.0011/17/2009 5:30:23 PM
bigdogsafety1$25.00$25.0011/17/2009 5:31:01 PM
Sefotonga$25.00$25.0011/17/2009 5:31:11 PM
mpactlender$25.00$25.0011/17/2009 5:31:17 PM
courteous-deal8$25.00$25.0011/17/2009 5:30:56 PM
unclejaef$25.00$25.0011/17/2009 5:31:07 PM
Aimvest$25.00$25.0011/17/2009 5:36:18 PM
get30inc$25.00$25.0011/17/2009 5:31:44 PM
newbietony$25.00$25.0011/17/2009 5:16:03 PM
Artist_Blue$25.00$25.0011/17/2009 5:16:46 PM
biobulator$25.00$25.0011/17/2009 5:16:49 PM
power-flow6$25.00$25.0011/17/2009 5:17:21 PM
blumpie$25.00$25.0011/17/2009 7:35:19 PM
personal-lender$25.00$25.0011/17/2009 5:17:59 PM
swoosh$25.00$25.0011/17/2009 5:18:18 PM
Cai8899$40.00$40.0011/17/2009 5:18:22 PM
techvet$25.00$25.0011/17/2009 5:18:33 PM
Dunndeal4u$25.00$25.0011/17/2009 5:18:48 PM
wayman$50.00$50.0011/17/2009 5:19:07 PM
exact-justice$25.00$25.0011/17/2009 5:19:10 PM
wiltonbound$25.00$25.0011/17/2009 5:19:15 PM
ScottW$25.00$25.0011/17/2009 5:20:34 PM
dignified-finance$25.00$25.0011/17/2009 5:20:40 PM
five-star-justice$36.00$36.0011/17/2009 5:20:58 PM
harperpotok$100.00$100.0011/17/2009 5:21:46 PM
Brainworm$25.00$25.0011/18/2009 2:21:47 AM
blackstar$25.00$25.0011/18/2009 4:16:09 AM
efficient-bid2$25.00$25.0011/17/2009 5:22:35 PM
Speculator$25.00$25.0011/17/2009 5:24:37 PM
a-responsible-return$25.00$25.0011/18/2009 8:32:55 AM
utukxul$25.00$25.0011/18/2009 8:44:13 AM
value-pouch$25.00$25.0011/18/2009 8:32:54 AM
mamayama$25.00$25.0011/17/2009 5:25:20 PM
greenback-visionary4$25.00$25.0011/18/2009 8:59:20 AM
ljay$25.00$25.0011/17/2009 5:25:35 PM
Kansas$25.00$25.0011/17/2009 5:26:12 PM
SkiFastBadly$25.00$25.0011/17/2009 5:26:41 PM
vcbogan$100.00$100.0011/17/2009 5:28:44 PM
transparency-giant$25.00$25.0011/17/2009 5:28:49 PM
jdrez$25.00$25.0011/17/2009 5:28:56 PM
angelinvestor01$25.00$25.0011/17/2009 5:29:10 PM
Hola_James$25.00$25.0011/18/2009 10:21:51 AM
trapper569$25.00$25.0011/17/2009 5:29:31 PM
kanakakm$25.00$25.0011/17/2009 5:30:21 PM
KiwiElf$25.00$25.0011/18/2009 11:10:32 AM
doublediamond$25.00$25.0011/18/2009 12:10:21 PM
Josta$50.00$50.0011/18/2009 12:14:29 PM
shasta1$25.00$25.0011/17/2009 8:15:30 PM
Veloce$25.00$25.0011/18/2009 1:20:07 PM
Payasoup$25.00$25.0011/18/2009 1:35:12 PM
currency-prometheus$25.00$25.0011/17/2009 9:31:52 PM
YogaDude34$37.45$37.4511/18/2009 3:51:24 AM
return-elm$25.00$25.0011/18/2009 3:50:44 PM
payout-point$25.00$25.0011/18/2009 8:01:24 AM
HeavyDriver03$25.00$25.0011/18/2009 8:32:51 AM
SDNLR$25.00$25.0011/18/2009 8:32:56 AM
Veggie_Monkey$25.00$25.0011/18/2009 9:36:19 AM
abfs$25.00$25.0011/18/2009 9:36:34 AM
Trimalchio12$25.00$25.0011/18/2009 9:37:05 AM
Jinja$25.00$25.0011/18/2009 10:53:53 AM
Sonos$25.00$25.0011/18/2009 11:16:04 AM
IIP77$25.00$25.0011/18/2009 11:39:47 AM
GracieLuLu04$25.00$25.0011/18/2009 12:29:31 PM
my401K$38.06$38.0611/18/2009 1:03:46 PM
NATIVEBORN$25.00$25.0011/18/2009 1:35:09 PM
itsthomas$25.00$25.0011/18/2009 2:39:32 PM
Ambassador$25.00$25.0011/18/2009 8:34:40 PM
neenerman$28.77$28.7711/19/2009 9:04:55 AM
icecoldcash$80.00$80.0011/19/2009 9:34:41 AM
value-microscope$25.00$25.0011/19/2009 9:25:01 AM
Sibelius2$25.00$25.0011/19/2009 9:35:10 AM
kmwvma$25.00$25.0011/19/2009 9:35:19 AM
elegant-bonus$50.00$50.0011/19/2009 10:40:19 AM
Marfloogan$25.00$25.0011/19/2009 11:00:53 AM
ArmyGuy$25.00$25.0011/19/2009 11:51:26 AM
galtsgulch$25.00$25.0011/19/2009 11:52:14 AM
chipperjohnson$25.00$25.0011/19/2009 7:04:29 AM
loans-for-you$25.00$25.0011/19/2009 9:00:52 AM
alex189a$25.00$25.0011/19/2009 10:05:56 AM
rgrtanker$25.00$25.0011/19/2009 10:29:01 AM
cyberie21$40.00$40.0011/19/2009 1:02:30 PM
nwagers$25.00$25.0011/19/2009 1:15:04 PM
the-bright-velocity$50.00$50.0011/19/2009 11:04:27 AM
RG$25.00$25.0011/19/2009 11:04:33 AM
jammers$25.00$25.0011/19/2009 1:26:28 PM
uga$25.00$25.0011/19/2009 1:59:39 PM
integrity-spilunker$25.00$25.0011/19/2009 1:59:49 PM
exuberant-pound$25.00$25.0011/19/2009 11:52:03 AM
phaded$25.00$25.0011/19/2009 1:01:44 PM
hyrolln$25.00$25.0011/19/2009 11:59:50 AM
tmillerosu$25.00$25.0011/19/2009 2:25:10 PM
TMillard$25.00$25.0011/19/2009 2:35:43 PM
Lender0010$25.00$25.0011/19/2009 2:35:47 PM
Quaven$25.00$25.0011/19/2009 2:35:53 PM
red-bid-authority$46.00$46.0011/19/2009 2:35:58 PM
loantastic$25.00$25.0011/19/2009 1:34:30 PM
vengy$25.00$25.0011/19/2009 2:36:44 PM
pythia$25.00$25.0011/19/2009 2:36:47 PM
Int_PrinRateTime4000$40.00$40.0011/19/2009 2:36:49 PM
scottr$25.00$25.0011/19/2009 2:37:00 PM
papaman$25.00$25.0011/19/2009 2:37:09 PM
granitepk$25.00$25.0011/19/2009 2:37:20 PM
AhmedAMoussa$50.00$50.0011/19/2009 2:37:24 PM
quintilian$50.00$50.0011/19/2009 2:37:33 PM
HarrisonHome$25.00$25.0011/19/2009 2:37:57 PM
Tradesmanlender$25.00$25.0011/19/2009 2:38:07 PM
social-caravan$25.00$25.0011/19/2009 2:38:20 PM
wampum-chorus3$25.00$25.0011/19/2009 2:38:27 PM
eighttone$25.00$25.0011/19/2009 2:38:34 PM
internetwolf$25.00$25.0011/19/2009 2:20:00 PM
sloan$25.00$25.0011/19/2009 2:38:41 PM
ThompsonCapital$25.00$25.0011/19/2009 2:38:44 PM
money-maniac$25.00$25.0011/19/2009 2:38:51 PM
lodcomm$25.00$25.0011/19/2009 2:38:57 PM
smart-return$25.00$25.0011/19/2009 2:35:34 PM
lobster$25.00$25.0011/19/2009 2:40:30 PM
jgalt$25.00$25.0011/19/2009 2:40:36 PM
KnightKSU$25.00$25.0011/19/2009 2:35:49 PM
AvailableFunds$25.00$25.0011/19/2009 2:36:01 PM
JDavidL$25.00$25.0011/19/2009 2:36:04 PM
income-rocker2$66.45$66.4511/19/2009 2:43:53 PM
ALVO$25.00$25.0011/19/2009 2:36:51 PM
Hiro07$25.00$25.0011/19/2009 2:54:50 PM
cu2maro$25.00$25.0011/19/2009 2:36:57 PM
02bob$25.00$25.0011/19/2009 2:37:01 PM
ben10jen$25.00$25.0011/19/2009 2:37:21 PM
money-explorer3$25.00$25.0011/19/2009 2:37:25 PM
The_Donald$25.00$25.0011/19/2009 2:37:30 PM
saschar$25.00$25.0011/19/2009 3:04:27 PM
CPAMAN$25.00$25.0011/19/2009 2:38:22 PM
350DGRZ$25.00$25.0011/19/2009 2:38:32 PM
MrDavid$25.00$25.0011/19/2009 2:38:44 PM
ejdirin$25.00$25.0011/19/2009 3:14:28 PM
social-gatherer7$25.00$25.0011/19/2009 3:14:40 PM
create42xn$25.00$25.0011/19/2009 2:40:20 PM
wbahl$25.00$25.0011/19/2009 3:24:59 PM
Lilred7879$50.00$50.0011/19/2009 2:40:48 PM
theopposites$25.00$25.0011/19/2009 3:35:48 PM
takabanana$25.00$25.0011/19/2009 3:50:26 PM
Ragestang$25.00$25.0011/19/2009 2:59:55 PM
happyskippy0208$25.00$25.0011/19/2009 4:01:17 PM
nowits10$25.00$25.0011/19/2009 3:14:43 PM
TCR3$25.00$25.0011/19/2009 4:39:58 PM
jybank$25.00$25.0011/19/2009 4:43:27 PM
NYWA$25.00$25.0011/19/2009 3:50:10 PM
rob1971$25.00$25.0011/19/2009 4:54:28 PM
Skiph$25.00$25.0011/19/2009 5:07:28 PM
mollybosco$31.80$31.8011/19/2009 4:09:39 PM
bid-papyrus$25.00$25.0011/19/2009 5:09:32 PM
GOPHERBOY$30.00$30.0011/19/2009 4:19:42 PM
seattleslug$25.00$25.0011/19/2009 4:25:47 PM
omerta6102$33.56$33.5611/19/2009 4:34:59 PM
benroo$25.00$25.0011/19/2009 4:44:27 PM
MidnightBank$25.00$25.0011/19/2009 4:50:16 PM
All_Wins$25.00$25.0011/19/2009 5:05:09 PM
Bank_Of_XL$100.00$100.0011/19/2009 5:26:06 PM
rakstar$25.00$25.0011/19/2009 6:39:59 PM
Ivan2007$50.00$50.0011/19/2009 7:04:34 PM
fsa3$25.00$25.0011/19/2009 1:40:45 PM
bazaar-tulip$25.00$25.0011/20/2009 4:49:34 AM
Oryx22$25.00$25.0011/19/2009 10:37:09 PM
duty-monger$50.00$50.0011/20/2009 5:44:44 AM
TheColoradoDon$25.00$25.0011/20/2009 4:56:18 AM
Veshay$45.57$45.5711/19/2009 2:35:14 PM
juiceman818$25.00$25.0011/19/2009 2:35:31 PM
godsost$25.00$25.0011/19/2009 2:35:42 PM
compassion-paladin042$25.00$25.0011/19/2009 2:35:52 PM
dly2007$25.00$25.0011/19/2009 2:35:56 PM
ConcreteOne$25.00$25.0011/19/2009 2:36:00 PM
adaptable-income$25.00$25.0011/19/2009 2:36:03 PM
SerG_PunK$25.00$25.0011/20/2009 8:14:33 AM
vigilance-hyperdrive$25.00$25.0011/19/2009 2:36:50 PM
receptive-vigilance$25.00$25.0011/19/2009 2:37:03 PM
Aries1978$25.00$25.0011/19/2009 2:37:04 PM
copperfield$25.00$25.0011/19/2009 2:37:23 PM
rvtbike$50.00$50.0011/19/2009 2:37:30 PM
Luigi$25.00$25.0011/19/2009 2:37:34 PM
golden-yield$25.00$25.0011/19/2009 2:37:50 PM
andrewgl$25.00$25.0011/19/2009 2:38:13 PM
dparkhom$25.00$25.0011/19/2009 2:38:28 PM
Phantom99$25.00$25.0011/19/2009 2:38:38 PM
J1mS$48.38$48.3811/20/2009 8:54:05 AM
friendly-return7$25.00$25.0011/19/2009 2:40:02 PM
new-thrilling-principal$25.00$25.0011/20/2009 7:49:20 AM
JoshE$25.00$25.0011/19/2009 2:40:06 PM
CrossCreek$25.00$25.0011/20/2009 7:55:35 AM
eric-p$25.00$25.0011/19/2009 3:14:34 PM
mooselegs19$25.00$25.0011/19/2009 3:44:31 PM
andycheb$25.00$25.0011/19/2009 3:50:05 PM
rellotsf$25.00$25.0011/19/2009 4:19:24 PM
Raser$25.00$25.0011/19/2009 4:34:33 PM
CC911$25.00$25.0011/19/2009 4:35:27 PM
HoyaHeel$25.00$25.0011/19/2009 5:04:28 PM
peaceful-trade$25.00$25.0011/19/2009 6:14:26 PM
thryn$25.00$25.0011/20/2009 6:04:28 AM
L-vex$25.00$25.0011/20/2009 8:35:35 AM
vb3jmg$25.00$2.8411/20/2009 9:22:08 AM
reflective-rupee$25.00$25.0011/20/2009 5:07:05 PM
reflective-rupee$25.00$25.0011/20/2009 5:08:08 PM
reflective-rupee$25.00$25.0011/20/2009 5:07:52 PM
GOPHERBOY$75.00$75.0011/20/2009 4:31:51 PM
invincible-gain$30.00$30.0011/21/2009 12:29:46 PM
truth-smasher$25.00$25.0011/21/2009 2:32:59 PM
reflective-rupee$25.00$25.0011/20/2009 5:06:06 PM
mmmm1982$25.00$25.0011/20/2009 5:09:01 PM
vivacious-p2p3$25.00$25.0011/22/2009 6:00:18 PM
tekstyle38$25.00$25.0011/23/2009 2:15:16 AM
reflective-rupee$25.00$25.0011/21/2009 11:12:43 AM
peaceful-farmer$50.00$50.0011/21/2009 3:52:21 PM
lendme2$50.00$50.0011/23/2009 5:14:20 AM
building_community$60.24$60.2411/23/2009 5:28:24 AM
Peterman$50.00$50.0011/23/2009 12:00:08 PM
enticing-treasure5$25.00$25.0011/22/2009 9:04:32 AM
credit-coach118$35.00$35.0011/22/2009 9:34:41 AM
newbietony$25.00$25.0011/22/2009 1:45:55 PM
kind-funds-tonic$25.00$25.0011/22/2009 5:45:55 PM
innovator2$50.00$50.0011/22/2009 5:59:19 PM
aurorafinancial$50.00$50.0011/23/2009 12:11:38 PM
Kissabledevil$50.00$50.0011/23/2009 2:34:04 PM
TakeCare$100.00$100.0011/23/2009 4:07:04 PM
MrCoffee$49.03$49.0311/23/2009 4:47:08 PM
loss-of-control$100.00$100.0011/23/2009 6:27:44 PM
cashasaurus0$300.00$300.0011/24/2009 4:56:49 AM
pugmalion$50.00$50.0011/24/2009 6:32:08 AM
BenR$100.00$100.0011/24/2009 6:18:59 AM
atlas100$25.00$25.0011/24/2009 6:51:53 AM
d_grbg$25.00$25.0011/24/2009 8:06:31 AM
silverloan$50.00$50.0011/24/2009 8:17:07 AM
PotBellyPete$75.00$75.0011/24/2009 8:19:52 AM
BBL$25.00$25.0011/24/2009 8:19:01 AM
money_player$25.00$25.0011/24/2009 11:45:56 AM
unger$100.00$100.0011/24/2009 12:42:05 PM
maga$100.00$100.0011/24/2009 1:57:52 PM
BankofRon$25.00$25.0011/24/2009 2:35:19 PM
dorypro$50.00$50.0011/24/2009 2:59:26 PM
martinatime$25.00$25.0011/24/2009 3:55:54 PM
skuba$25.00$25.0011/17/2009 5:11:05 PM
hard-working-loot$25.00$25.0011/17/2009 5:11:19 PM
GElender$50.00$50.0011/17/2009 5:11:34 PM
steves73$25.00$25.0011/17/2009 5:11:43 PM
honorable-yield$50.00$50.0011/17/2009 5:11:59 PM
Weaverville$25.00$25.0011/17/2009 5:12:42 PM
well-mannered-income3$25.00$25.0011/17/2009 5:13:28 PM
mikeandcat$50.00$50.0011/17/2009 5:12:48 PM
desertoasis$25.00$25.0011/17/2009 5:13:17 PM
roto$25.00$25.0011/17/2009 5:13:37 PM
iolaire$25.00$25.0011/17/2009 5:15:03 PM
gain-dynamo7$25.00$25.0011/17/2009 5:14:43 PM
tallmon$25.00$25.0011/17/2009 5:15:45 PM
E_G$30.00$30.0011/17/2009 5:16:14 PM
miked8303$25.00$25.0011/17/2009 5:17:05 PM
Heatguy$50.00$50.0011/17/2009 5:17:15 PM
currency-cigar4$25.00$25.0011/17/2009 5:17:24 PM
value-pole$25.00$25.0011/17/2009 5:17:29 PM
LEWK25$25.00$25.0011/17/2009 5:17:33 PM
CarDealer3070$25.00$25.0011/17/2009 5:17:45 PM
Havana21$50.00$50.0011/17/2009 5:17:50 PM
czar3$30.00$30.0011/17/2009 5:17:54 PM
museic1$50.00$50.0011/17/2009 5:18:09 PM
bonus-buddy2$35.00$35.0011/17/2009 5:18:12 PM
Boca$25.00$25.0011/17/2009 5:17:23 PM
WalnutCreekguy$33.00$33.0011/17/2009 5:18:30 PM
jeg3k$25.00$25.0011/17/2009 5:18:40 PM
credit-kahuna$100.00$100.0011/17/2009 5:17:37 PM
poeman$25.00$25.0011/17/2009 5:18:46 PM
EnigmaNYC-29$25.00$25.0011/17/2009 5:17:43 PM
ThomasCrown$30.00$30.0011/17/2009 5:19:00 PM
rolandweary$40.00$40.0011/17/2009 5:18:03 PM
financial-frenzy$50.00$50.0011/17/2009 5:19:20 PM
youqianderen$50.00$50.0011/17/2009 5:18:44 PM
VentureExplorer$25.00$25.0011/17/2009 5:19:05 PM
hitsman$50.00$50.0011/17/2009 5:19:25 PM
caseattle$25.00$25.0011/17/2009 5:21:02 PM
slartibardfast$25.00$25.0011/17/2009 5:21:32 PM
enthusiastic-balance5$100.00$100.0011/17/2009 5:21:38 PM
JGB$25.00$25.0011/17/2009 5:21:30 PM
ekn_enterprises$25.00$25.0011/17/2009 5:22:37 PM
asiaratt$50.00$50.0011/17/2009 5:23:29 PM
digitalrinaldo$25.00$25.0011/17/2009 5:23:27 PM
don8ter$25.00$25.0011/17/2009 5:24:57 PM
deal-pioneer1$25.00$25.0011/17/2009 5:25:11 PM
laudable-balance$25.00$25.0011/17/2009 5:25:30 PM
LAKESPRING$25.00$25.0011/17/2009 5:25:48 PM
djindepth$50.00$50.0011/17/2009 5:25:52 PM
MissionMicroFinance$25.00$25.0011/17/2009 5:26:32 PM
sensible-trade$25.00$25.0011/17/2009 5:26:50 PM
crazycool$25.00$25.0011/17/2009 5:11:00 PM
melodious-fairness$25.00$25.0011/17/2009 5:27:16 PM
orderly-loot$25.00$25.0011/17/2009 5:27:32 PM
fun2invest$25.00$25.0011/17/2009 5:27:53 PM
buddy486$25.00$25.0011/17/2009 5:28:35 PM
revenue-kazoo$25.00$25.0011/17/2009 5:29:34 PM
capital-duckling$25.00$25.0011/17/2009 5:29:38 PM
cpaphoto$25.00$25.0011/17/2009 5:29:19 PM
tom48l$25.00$25.0011/17/2009 5:29:52 PM
anton$50.00$50.0011/17/2009 5:13:23 PM
Sam65$25.00$25.0011/17/2009 5:30:16 PM
Scoote2912$25.00$25.0011/17/2009 5:30:27 PM
Halos2002$50.00$50.0011/17/2009 5:31:03 PM
mtquan$25.00$25.0011/17/2009 5:31:09 PM
spitzbergen$25.00$25.0011/17/2009 5:31:08 PM
robot777$40.00$40.0011/17/2009 5:14:44 PM
leodaguy$25.00$25.0011/17/2009 5:15:54 PM
lloyd_s$25.00$25.0011/17/2009 5:16:42 PM
justice-dna$25.00$25.0011/17/2009 5:17:39 PM
SNH$50.00$50.0011/17/2009 5:18:01 PM
yield-lion$25.00$25.0011/17/2009 5:18:17 PM
RetiredATC$25.00$25.0011/17/2009 5:18:20 PM
xstreamin$25.00$25.0011/17/2009 5:18:50 PM
andyb9$25.00$25.0011/17/2009 5:19:13 PM
agwosdof$50.00$50.0011/17/2009 5:19:17 PM
bonus-patriot$25.00$25.0011/17/2009 5:20:47 PM
JohnGalt94$25.00$25.0011/17/2009 5:20:56 PM
BuffetRocks$50.00$50.0011/18/2009 3:59:10 AM
ryelk$25.00$25.0011/17/2009 5:22:02 PM
bradny$25.00$25.0011/17/2009 5:22:50 PM
the-money-gargantuan$25.00$25.0011/17/2009 5:23:04 PM
silver-armada$100.00$100.0011/17/2009 5:23:12 PM
i3urtonair$25.00$25.0011/18/2009 8:16:51 AM
amint17$25.00$25.0011/17/2009 5:25:40 PM
burrito6$25.00$25.0011/17/2009 5:25:47 PM
gethsemane4$25.00$25.0011/17/2009 5:26:00 PM
thestartuplender$35.00$35.0011/17/2009 5:26:03 PM
pleasant-basis$25.00$25.0011/18/2009 9:37:22 AM
Macinvest$25.00$25.0011/17/2009 5:26:29 PM
onlyastepaway$25.00$25.0011/18/2009 9:37:37 AM
jgar_O$25.00$25.0011/18/2009 9:38:56 AM
Rogesparkguy$25.00$25.0011/17/2009 5:27:11 PM
cash-vault$25.00$25.0011/18/2009 9:38:39 AM
Steveoo1$25.00$25.0011/17/2009 5:27:45 PM
bonanza1973$25.00$25.0011/17/2009 5:28:46 PM
truth-futurist$25.00$25.0011/17/2009 5:28:51 PM
Tahoeguy$50.00$50.0011/17/2009 5:28:54 PM
trustu$25.00$25.0011/17/2009 5:29:15 PM
laredotornado$25.00$25.0011/17/2009 5:29:22 PM
Dahlozer$25.00$25.0011/18/2009 10:36:24 AM
Syzygy$25.00$25.0011/17/2009 5:29:29 PM
GatorBux$100.00$100.0011/17/2009 5:29:39 PM
wise-agile-investment$25.00$25.0011/17/2009 5:29:56 PM
108lender$129.04$129.0411/17/2009 5:29:59 PM
lucrative-durability$50.00$50.0011/18/2009 10:37:33 AM
Dr_M$25.00$25.0011/17/2009 5:30:54 PM
westsidehighway$25.00$25.0011/17/2009 5:31:55 PM
brazilofmux$51.20$51.2011/17/2009 5:40:45 PM
community-accelerator$500.00$500.0011/18/2009 11:24:41 AM
BayShell$40.00$40.0011/18/2009 11:16:25 AM
sidney102$50.00$50.0011/18/2009 12:45:35 PM
Orca-man$100.00$100.0011/18/2009 12:45:13 PM
the-profit-oracle$25.00$25.0011/18/2009 1:35:31 PM
unk1911$25.00$25.0011/17/2009 11:11:38 PM
Hondo$25.00$25.0011/18/2009 8:32:52 AM
puntme$25.00$25.0011/18/2009 10:12:46 AM
MakoF16$50.00$50.0011/18/2009 10:53:48 AM
a275ranger$25.00$25.0011/18/2009 10:57:07 AM
Aaron_Oz$25.00$25.0011/18/2009 11:31:01 AM
ClearLake$25.00$25.0011/18/2009 11:48:24 AM
matrix456$25.00$25.0011/18/2009 6:49:35 PM
hope-eagle6$25.00$25.0011/19/2009 12:04:37 AM
red-favorable-basis$25.00$25.0011/19/2009 1:45:04 AM
XopherMV$25.00$25.0011/19/2009 9:34:28 AM
currency-trophy$25.00$25.0011/19/2009 9:34:49 AM
Skeptical-one$25.00$25.0011/18/2009 6:49:30 PM
flwah$28.07$28.0711/18/2009 7:04:31 PM
elevated-platinum5$50.00$50.0011/19/2009 10:06:18 AM
best-decisive-peace$25.00$25.0011/19/2009 10:22:30 AM
payout-carnival$25.00$25.0011/19/2009 10:55:40 AM
McGrufus$50.00$50.0011/19/2009 10:50:44 AM
CAGE-Investments$25.00$25.0011/19/2009 11:03:35 AM
ml13$25.00$25.0011/19/2009 11:15:35 AM
Carpetkid$25.00$25.0011/19/2009 11:34:44 AM
peripatetic$25.00$25.0011/19/2009 12:15:12 PM
eloquent-penny$25.00$25.0011/19/2009 12:00:58 PM
Thorny$25.00$25.0011/19/2009 12:15:27 PM
omniviper$25.00$25.0011/19/2009 5:59:25 AM
iruz$50.00$50.0011/19/2009 10:05:57 AM
bigwig633$25.00$25.0011/19/2009 1:10:22 PM
allamerathlete$25.00$25.0011/19/2009 11:04:38 AM
mmqc$25.00$25.0011/19/2009 11:26:58 AM
theonezozo$25.00$25.0011/19/2009 11:51:02 AM
ramblin$25.00$25.0011/19/2009 11:51:34 AM
forthright-trade$25.00$25.0011/19/2009 1:01:48 PM
Headhunter14$25.00$25.0011/19/2009 11:59:39 AM
Maccs55$25.00$25.0011/19/2009 1:02:32 PM
fopaul13$25.00$25.0011/19/2009 1:09:59 PM
dollar-oracle55$25.00$25.0011/19/2009 2:35:42 PM
herman7$25.00$25.0011/19/2009 2:35:48 PM
crowdetc$25.00$25.0011/19/2009 2:35:56 PM
spruce2$25.00$25.0011/19/2009 2:36:05 PM
whiterabbit1874$25.00$25.0011/19/2009 2:36:46 PM
Macarro4$25.00$25.0011/19/2009 1:51:05 PM
nicklds$38.60$38.6011/19/2009 2:36:48 PM
urbanMisfit$25.00$25.0011/19/2009 2:36:51 PM
SnakeDoc_Investments$25.00$25.0011/19/2009 2:36:55 PM
preciousjeni$25.00$25.0011/19/2009 1:59:34 PM
bostonking$25.00$25.0011/19/2009 2:37:02 PM
SkepticalBen$25.00$25.0011/19/2009 2:37:22 PM
profitable-durability6$25.00$25.0011/19/2009 2:37:28 PM
ianakacg$25.00$25.0011/19/2009 12:34:26 PM
visionary-currency$43.38$43.3811/19/2009 2:37:52 PM
RB_Double-A_Bravo$25.00$25.0011/19/2009 2:38:10 PM
BigLinCT$25.00$25.0011/19/2009 2:38:14 PM
keeks$25.00$25.0011/19/2009 2:38:21 PM
market-solstice2$25.00$25.0011/19/2009 2:38:31 PM
Aquani$50.00$50.0011/19/2009 2:20:28 PM
d_grbg$25.00$25.0011/19/2009 2:38:42 PM
jack4875$25.00$25.0011/19/2009 2:38:45 PM
educationfirst$25.00$25.0011/19/2009 2:38:55 PM
smurf163$25.00$25.0011/19/2009 2:39:00 PM
aldeed$25.00$25.0011/19/2009 2:39:32 PM
stanbalwight4$25.00$25.0011/19/2009 2:35:32 PM
LendGuy$25.00$25.0011/19/2009 2:40:23 PM
LandoC1$25.00$25.0011/19/2009 2:40:39 PM
metro457$25.00$25.0011/19/2009 2:35:44 PM
resource777$25.00$25.0011/19/2009 2:40:47 PM
Chakma$25.00$25.0011/19/2009 2:35:50 PM
Dakota98$46.40$46.4011/19/2009 2:35:51 PM
colossuswv$26.00$26.0011/19/2009 2:46:30 PM
dimitrip1024$25.00$25.0011/19/2009 2:54:47 PM
smmgnn99$25.00$25.0011/19/2009 2:36:56 PM
pwkpwk$25.00$25.0011/19/2009 2:36:58 PM
Unclejohn$25.00$25.0011/19/2009 2:37:24 PM
redx$25.00$25.0011/19/2009 2:37:27 PM
chlebie$47.95$47.9511/19/2009 2:37:32 PM
secretidentity$25.00$25.0011/19/2009 3:04:25 PM
deal-grid7$50.00$50.0011/19/2009 2:37:40 PM
hptcrabbers$25.00$25.0011/19/2009 3:05:04 PM
blessedpair$50.00$50.0011/19/2009 2:38:24 PM
asalzma$25.00$25.0011/19/2009 2:38:33 PM
RationalWorld$25.00$25.0011/19/2009 2:38:47 PM
Snowflake6515$25.00$25.0011/19/2009 3:14:33 PM
LAM26$25.00$25.0011/19/2009 2:38:50 PM
Wangersinc$25.00$25.0011/19/2009 2:39:05 PM
PatRichi$25.00$25.0011/19/2009 2:39:31 PM
cassius84$25.00$25.0011/19/2009 3:19:33 PM
misterhobbs$25.00$25.0011/19/2009 2:39:59 PM
ladyonthebay$25.00$25.0011/19/2009 2:40:22 PM
Lesburger$25.00$25.0011/19/2009 2:40:50 PM
selfmademan$25.00$25.0011/19/2009 2:41:12 PM
assetmanager$25.00$25.0011/19/2009 2:43:50 PM
WilliamLeeSims$25.00$25.0011/19/2009 2:45:48 PM
dcdr23$25.00$25.0011/19/2009 2:49:27 PM
norcalsv$29.64$29.6411/19/2009 3:50:02 PM
sk8ndive$25.00$25.0011/19/2009 3:50:55 PM
irrelevant$25.00$25.0011/19/2009 4:19:39 PM
latestone$25.00$25.0011/19/2009 4:26:02 PM
imlosttoo$25.00$25.0011/19/2009 3:25:12 PM
lostontheedge$25.00$25.0011/19/2009 3:25:28 PM
Erikdbp$25.00$25.0011/19/2009 4:34:34 PM
Seadrag367$25.00$25.0011/19/2009 3:44:30 PM
glalat$25.00$25.0011/19/2009 3:45:00 PM
Sykes66$25.00$25.0011/19/2009 3:50:03 PM
BGILlender$25.00$25.0011/19/2009 4:54:27 PM
dadalou$25.00$25.0011/19/2009 5:00:14 PM
dmitrk$25.00$25.0011/19/2009 4:09:31 PM
Savings_EQ_Dignity$35.00$35.0011/19/2009 5:09:30 PM
diablo_ny$25.00$25.0011/19/2009 4:15:00 PM
sophisticated-ore$34.09$34.0911/19/2009 5:14:47 PM
YoungSuccessLLC$25.00$25.0011/19/2009 4:18:49 PM
OSERENKUKU$25.00$25.0011/19/2009 4:19:30 PM
TEAM-Jasper$25.00$25.0011/19/2009 4:19:38 PM
rose88$25.00$25.0011/19/2009 4:25:44 PM
aasx1108$25.00$25.0011/19/2009 4:34:48 PM
mjjjrj$25.00$25.0011/19/2009 4:44:52 PM
Gibbyland$75.00$75.0011/19/2009 6:14:38 PM
Yankeeeagle$25.00$25.0011/19/2009 7:00:13 PM
showmestatekid$25.00$25.0011/19/2009 8:29:25 PM
suomynona$25.00$25.0011/19/2009 6:49:45 PM
371millwood$25.00$25.0011/19/2009 1:10:53 PM
ualf$27.68$27.6811/19/2009 9:49:35 PM
puifais$25.00$25.0011/20/2009 2:59:39 AM
Okinutah$25.00$25.0011/19/2009 10:24:33 PM
bluprntguy$25.00$25.0011/19/2009 11:29:22 PM
Chuck9802$25.00$25.0011/20/2009 5:39:02 AM
elated-justice$25.00$25.0011/19/2009 1:53:27 PM
JonyWinter$50.00$50.0011/20/2009 6:04:36 AM
mathprof$25.00$25.0011/19/2009 2:24:49 PM
spsavage$25.00$25.0011/19/2009 2:35:04 PM
Akkon$25.00$25.0011/19/2009 2:35:33 PM
affluence-tycoon$25.00$25.0011/19/2009 2:35:46 PM
sagemoto$50.00$50.0011/19/2009 2:35:59 PM
streak269$25.00$25.0011/19/2009 2:36:00 PM
thumper64$30.00$30.0011/19/2009 2:36:45 PM
Erileb$25.00$25.0011/19/2009 2:36:52 PM
TrustOne$25.00$25.0011/19/2009 2:37:04 PM
creditasaurus9$50.00$50.0011/19/2009 2:37:05 PM
zeraphm$25.00$25.0011/19/2009 2:37:28 PM
gnar$25.00$25.0011/19/2009 2:37:31 PM
jct_enterprises$25.00$25.0011/19/2009 2:38:08 PM
KHU2-B$25.00$25.0011/19/2009 2:38:23 PM
rawman$25.00$25.0011/19/2009 2:38:32 PM
wwwUniversal$25.00$25.0011/19/2009 2:40:00 PM
californiakhan$25.00$25.0011/19/2009 2:40:05 PM
DrStaff$25.00$25.0011/19/2009 2:41:00 PM
nodrivelpls$25.00$25.0011/19/2009 2:43:55 PM
Gabriel02$25.00$25.0011/19/2009 2:45:39 PM
Plotinus$50.00$50.0011/19/2009 3:10:17 PM
loan-brigade6$25.00$25.0011/19/2009 3:11:34 PM
jhouman$25.00$25.0011/20/2009 9:21:56 AM
RSV$25.00$25.0011/19/2009 3:35:46 PM
salala$25.00$25.0011/19/2009 3:50:50 PM
mc81$25.00$25.0011/19/2009 4:19:28 PM
zxr$25.00$25.0011/20/2009 10:11:12 AM
derec$25.00$25.0011/19/2009 4:35:25 PM
Prezotus$25.00$25.0011/19/2009 4:52:02 PM
Floridian71$25.00$25.0011/19/2009 6:29:43 PM
bold-attentive-listing$1,000.00$1,000.0011/19/2009 6:58:47 PM
credit-maestro$35.57$35.5711/19/2009 7:43:03 PM
chief_wo$25.00$25.0011/20/2009 2:59:41 AM
SnE$25.00$25.0011/20/2009 8:04:34 AM
skistud66$25.00$25.0011/20/2009 8:29:26 AM
reflective-rupee$25.00$25.0011/20/2009 5:06:22 PM
reflective-rupee$25.00$25.0011/20/2009 5:06:43 PM
reflective-rupee$25.00$25.0011/20/2009 5:07:36 PM
Sonihal$44.17$44.1711/20/2009 9:11:21 PM
smart-gold$28.15$28.1511/20/2009 9:07:44 PM
reflective-rupee$25.00$25.0011/20/2009 5:07:22 PM
basis-image$25.00$25.0011/21/2009 8:45:06 PM
felicity-daydream$50.00$50.0011/20/2009 8:24:06 PM
jamiee73$25.00$25.0011/22/2009 10:38:11 AM
SFBank$200.00$200.0011/22/2009 6:01:39 PM
the-durability-planetarium$45.50$45.5011/21/2009 11:20:45 AM
bullwink27$25.00$25.0011/21/2009 3:02:21 PM
invincible-gain$100.00$100.0011/23/2009 12:07:35 PM
PXM-Financial$50.00$50.0011/23/2009 10:56:39 AM
WMY-Investor$250.00$250.0011/23/2009 1:54:22 PM
Share-the-wealth$100.00$100.0011/23/2009 6:50:14 AM
iResponsibleLender$517.41$517.4111/23/2009 5:19:34 PM
wise-silver-wonder$25.00$25.0011/23/2009 9:44:36 PM
BenR$100.00$100.0011/24/2009 6:18:38 AM
weatherman72$25.00$25.0011/24/2009 10:14:05 AM
jtoms101$100.00$100.0011/24/2009 11:23:09 AM
impartial-deal$50.00$50.0011/24/2009 11:41:45 AM
nalaari$50.00$50.0011/24/2009 12:07:00 PM
MoneyForNothing$25.00$25.0011/24/2009 3:20:50 PM
cemseller$25.00$25.0011/24/2009 5:04:12 PM
exciting-fairness$200.00$200.0011/24/2009 5:02:27 PM
601 bids
 
Borrower Payment Dependent Notes Series 433802
This series of Notes was issued and sold upon the funding of the borrower loan #39720, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $250.50
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $235.08
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
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: Aug-1994 Debt/Income ratio: 39%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $5,258 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: USAir_ForceAMMO Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 80% ) 760-779 (Latest)
Principal borrowed: $15,000.00< mo. late: 1 ( 20% )  
640-659 (Sep-2007)
640-659 (Aug-2007)
600-619 (Jul-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Home improvment cost Consolidation
First of all, thank you for your interest in my loan.? This would be our second Prosper loan.? The first loan was needed to pay off some credit cards before my wife and I built our house.? The loan was payed off early with NO late payments.? So we had our house built, and now we have made a few inprovements.? We would like to Consolidate the two credit cards we used for the improvements into one payment.? Again, our first loan was payed off with No late payments.

Both my wife and I work full time and together make $5,900 a month.?
We have our House payment of $1,500
Car payment $289
Truck payment $545
And the basics, cable, water, power, garbage.

Making the payments will not be a problem, if you have any further questions, i will be happy to answer them.? Thanks again
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What are the interest rates on the credit cards that you will be paying off with this Prosper loan? - fiscal_family
A: Thanks for your Interest in my loan, the rates are 29% and 27% (Nov-24-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
five-star-note$25.00$25.0011/17/2009 5:10:35 PM
zone8$100.00$100.0011/17/2009 5:10:55 PM
reflective-rupee$25.00$25.0011/17/2009 5:18:54 PM
People-for-people$50.00$50.0011/17/2009 5:22:39 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:19 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:48 PM
MAYBROOK$50.00$44.4911/17/2009 5:11:40 PM
impala6464$100.00$100.0011/17/2009 6:33:46 PM
MarvinE$50.00$50.0011/18/2009 1:19:50 PM
VikingLender$100.00$100.0011/19/2009 10:52:35 AM
SeeksValue$25.00$25.0011/19/2009 11:17:06 AM
SeeksValue$25.00$25.0011/19/2009 11:16:28 AM
SeeksValue$25.00$25.0011/19/2009 11:15:51 AM
MsTabbyKats$25.00$25.0011/19/2009 4:43:02 PM
sildoc$257.22$257.2211/19/2009 6:55:14 PM
unger$45.00$45.0011/19/2009 7:56:14 PM
justice-hawk$301.55$301.5511/19/2009 8:34:26 PM
matrix456$275.00$275.0011/19/2009 10:11:07 PM
CarlosCespedes$25.00$25.0011/20/2009 4:30:17 AM
credit-sasquatch3$25.00$25.0011/20/2009 12:05:05 PM
elegant-bonus$25.00$25.0011/20/2009 5:15:02 PM
killdare$25.00$25.0011/20/2009 11:56:39 AM
nalaari$50.00$50.0011/21/2009 8:01:44 AM
zippy-coin$133.25$133.2511/20/2009 3:36:17 PM
Peterman$50.00$50.0011/22/2009 8:43:16 AM
investment-cluster$25.00$25.0011/22/2009 2:09:13 AM
truth-smasher$25.00$25.0011/22/2009 4:48:45 AM
RecoveryLender$25.00$25.0011/22/2009 10:46:24 AM
forthright-dedication$25.00$25.0011/22/2009 9:04:02 PM
PotatoLender$50.00$50.0011/23/2009 9:12:39 AM
p2p-gala$25.00$25.0011/22/2009 1:41:50 PM
vivacious-p2p3$25.00$25.0011/22/2009 6:02:30 PM
sweety075$25.00$25.0011/23/2009 4:40:03 PM
efficient-principal$33.00$33.0011/23/2009 5:06:57 PM
StargazerLending$25.00$25.0011/23/2009 6:48:48 PM
Techne_Funds_LLC$25.00$25.0011/23/2009 7:25:42 PM
forthright-trade$25.00$25.0011/23/2009 8:50:04 PM
bid-papyrus$25.00$25.0011/23/2009 5:16:45 PM
rakey$25.00$25.0011/23/2009 5:18:00 PM
BenOrt$25.00$25.0011/23/2009 5:57:12 PM
carmat60$25.00$25.0011/23/2009 11:19:51 PM
loan-adventurer7$40.00$40.0011/23/2009 11:35:31 PM
safe-money5$25.00$25.0011/24/2009 5:26:59 AM
umphtydunkie$150.00$150.0011/24/2009 6:38:43 AM
p2p-gala$25.00$25.0011/24/2009 6:56:43 AM
Leshan$50.00$50.0011/24/2009 8:20:56 AM
money_player$25.00$25.0011/24/2009 11:48:04 AM
impartial-deal$25.00$25.0011/24/2009 12:12:37 PM
RecoveryLender$25.00$25.0011/24/2009 12:48:54 PM
1stBankAndHal$25.00$25.0011/24/2009 1:07:23 PM
professional-finance$25.00$25.0011/24/2009 2:14:09 PM
credit-missile$200.00$200.0011/24/2009 2:34:00 PM
JGuide$50.00$50.0011/24/2009 3:36:45 PM
credit-missile$50.00$50.0011/24/2009 3:41:34 PM
daekpon$40.00$40.0011/24/2009 4:01:58 PM
JGuide$25.00$25.0011/24/2009 4:03:12 PM
proton4$35.00$35.0011/24/2009 4:11:16 PM
reflective-rupee$50.00$50.0011/17/2009 5:24:05 PM
wildguy$25.00$25.0011/17/2009 5:10:45 PM
JohnSmallberries$25.00$25.0011/18/2009 3:39:43 PM
justice-hawk$150.00$150.0011/18/2009 8:23:55 AM
unk1911$25.00$25.0011/18/2009 8:30:34 PM
wwwUniversal$25.00$25.0011/19/2009 2:07:04 AM
SeeksValue$25.00$25.0011/19/2009 11:16:12 AM
mishj$36.00$36.0011/19/2009 8:45:21 PM
lender12345$25.00$25.0011/20/2009 9:18:55 AM
shrewd-asset$25.00$25.0011/19/2009 7:24:48 PM
Gaelicman$100.00$100.0011/20/2009 11:15:51 AM
felicity-daydream$50.00$50.0011/20/2009 8:24:59 PM
unafraid-nickel$25.00$25.0011/20/2009 7:44:51 PM
Ambassador$25.00$25.0011/21/2009 7:17:32 AM
Socorro_Capital_Partners$25.00$25.0011/21/2009 9:30:32 AM
unger$55.00$55.0011/22/2009 4:26:18 AM
fiscal_family$25.00$25.0011/22/2009 10:09:40 PM
FundMaker$25.00$25.0011/22/2009 11:44:19 PM
shrewd-peace7$25.00$25.0011/22/2009 12:02:01 AM
newbietony$30.00$30.0011/23/2009 9:45:08 AM
UCLA4life$25.00$25.0011/23/2009 11:12:30 AM
Kash2010lu$25.00$25.0011/22/2009 1:06:31 PM
Xarach$25.00$25.0011/23/2009 3:52:37 PM
starry2001$25.00$25.0011/23/2009 2:50:27 PM
anarchy1985$25.00$25.0011/23/2009 3:34:48 PM
freedom3$200.00$200.0011/22/2009 9:18:56 PM
TakeCare$100.00$100.0011/23/2009 4:08:43 PM
szetheli$128.00$128.0011/23/2009 3:26:33 PM
p2p-gala$46.49$46.4911/23/2009 6:51:12 PM
loss-of-control$100.00$100.0011/23/2009 6:18:30 PM
invincible-gain$50.00$50.0011/23/2009 8:32:25 PM
jakdwak$25.00$25.0011/23/2009 9:44:34 PM
crazybunga$25.00$25.0011/24/2009 3:33:29 AM
atlas100$25.00$25.0011/24/2009 6:53:22 AM
pbnjelly$25.00$25.0011/24/2009 7:07:59 AM
invincible-gain$200.00$200.0011/24/2009 8:11:23 AM
leverage-monger$100.00$100.0011/24/2009 8:06:28 AM
PotBellyPete$75.00$75.0011/24/2009 8:21:32 AM
fuke$25.00$25.0011/24/2009 10:22:32 AM
sturdy-peace9$50.00$50.0011/24/2009 10:29:55 AM
mistifilio$25.00$25.0011/24/2009 10:58:01 AM
futureRN2$50.00$50.0011/24/2009 11:44:27 AM
113121$25.00$25.0011/24/2009 2:25:03 PM
umfan123$25.00$25.0011/24/2009 2:27:50 PM
TakeCare$100.00$100.0011/24/2009 3:27:56 PM
the-profit-oracle$25.00$25.0011/24/2009 2:57:24 PM
dorypro$25.00$25.0011/24/2009 3:04:47 PM
JGuide$25.00$25.0011/24/2009 3:35:38 PM
Mikale360$25.00$25.0011/24/2009 4:12:45 PM
RecoveryLender$25.00$25.0011/24/2009 5:08:17 PM
nikkky2000$200.00$200.0011/24/2009 5:05:32 PM
nikkky2000$50.00$50.0011/24/2009 5:08:14 PM
109 bids
 
Borrower Payment Dependent Notes Series 433832
This series of Notes was issued and sold upon the funding of the borrower loan #39685, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 20.21% Starting borrower rate/APR: 21.21% / 25.02% Starting monthly payment: $37.78
Final lender yield: 18.89% Final borrower rate/APR: 19.89% / 23.67% Final monthly payment: $37.11
 
Auction yield range: 8.29% - 20.21% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: May-1995 Debt/Income ratio: 39%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:7y 10m
Amount delinquent: $0 Revolving credit balance: $52,477 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: YukonCornelius Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please indicate your monthly net income and expenses. Please answer publicly. thanks - reflective-rupee
A: Net income: @5,000.00 Expenses: @4,100.00 (Nov-20-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kginatl$50.06$50.0611/21/2009 10:14:22 PM
hillerod$25.00$25.0011/23/2009 2:19:14 PM
loss-of-control$100.00$100.0011/23/2009 6:33:12 PM
jybank$25.00$25.0011/24/2009 12:10:28 PM
Peterman$52.33$52.3311/24/2009 12:14:09 PM
revenue-appraiser$62.64$62.6411/24/2009 2:46:00 PM
TakeCare$50.00$50.0011/24/2009 3:30:37 PM
the-profit-oracle$25.00$25.0011/24/2009 5:02:18 PM
jswanso2$25.00$25.0011/24/2009 5:07:10 PM
IPG1$25.00$25.0011/19/2009 8:45:15 AM
hellasow$25.00$25.0011/20/2009 1:57:13 AM
Bank_Of_XL$100.00$100.0011/23/2009 1:13:29 PM
PotBellyPete$50.00$50.0011/24/2009 8:23:32 AM
impartial-deal$25.00$25.0011/24/2009 11:51:51 AM
GInBaghdad$25.00$25.0011/24/2009 11:56:27 AM
Sol_Invictus$25.00$25.0011/24/2009 12:21:26 PM
wild-orange$200.00$200.0011/24/2009 3:12:33 PM
tfarms$25.00$25.0011/24/2009 2:51:17 PM
TakeCare$50.00$50.0011/24/2009 3:31:00 PM
kinetic-social$25.00$9.9711/24/2009 5:05:45 PM
forthright-trade$25.00$25.0011/24/2009 5:06:44 PM
21 bids
 
Borrower Payment Dependent Notes Series 433878
This series of Notes was issued and sold upon the funding of the borrower loan #39680, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $99.52
Final lender yield: 33.90% Final borrower rate/APR: 34.90% / 37.35% Final monthly payment: $99.39
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.26%  
Lender servicing fee: 1.00% Estimated return: 17.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1974 Debt/Income ratio: 54%
Credit score: 600-619 (Nov-2009) Current / open credit lines: 29 / 28Employment status:Retired
Now delinquent: 0 Total credit lines: 47Length of status:9y 9m
Amount delinquent: $0 Revolving credit balance: $78,336Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: codyrun Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 13 ( 100% ) 600-619 (Latest)
Principal borrowed: $6,401.00< mo. late: 0 ( 0% )  
620-639 (Sep-2009)
620-639 (Aug-2009)
640-659 (Jul-2009)
620-639 (Oct-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Medical Emergency
Purpose of loan:
This loan will be used to?help with ?needed cancer drugs?for my wife for the??coming months.

My financial situation:
I am a good candidate for this loan because, I have borrowed?two(2) loans?before, and payed them both off with no lates.As?I planed to do with this loan.This loan will be automitic deducted as the two previous loans.Therefore,?Prosper lenders will be paid in full.
Monthly net income: $ 2550??

Monthly expenses: $
??Housing: $ 790
??Insurance: $80??Car expenses: $?70
??Utilities: $100??Phone, cable, internet:?80??Food: $ 300,??Clothing, household expenses $?75,?
??Credit cards and other loans: $?925
??Other expenses:Medical $150
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: Hello, I have several questions: 1) you once had 12 D.Q's in your history what happend to those D.Q's? 2) Your debt has grown, what's the reason or reasons behind this? - hektek22
A: Thank your for the 2 great questions and I am happy to answer them. Q-1) The credit report contain inaccuracies with the reported 12 delinquencies.At which I disputed and was corrected on future reports. Q-2) Credit report has grown because of two reasons:1st. my have has cancer and the 80% insurance does not cover all the bills and med.However, not that she have had most of the CHEMO and RAD.,my bills will began to get back in line.Minor flooding from the June floods.Did not qualify for FEMA (Nov-18-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.0011/17/2009 5:12:54 PM
reflective-rupee$25.00$25.0011/20/2009 8:44:13 PM
reciprocate$100.00$100.0011/21/2009 8:47:39 AM
reflective-rupee$25.00$25.0011/21/2009 11:21:52 AM
reflective-rupee$25.00$25.0011/20/2009 8:44:59 PM
newbietony$30.00$30.0011/22/2009 1:48:14 PM
sweety075$25.00$25.0011/22/2009 9:05:02 PM
TakeCare$50.00$50.0011/22/2009 9:35:02 PM
myutmost$34.81$34.8111/23/2009 5:40:34 PM
truth-smasher$25.00$25.0011/23/2009 7:19:01 PM
capital-galaxy$125.00$125.0011/23/2009 6:05:59 PM
Peterman$25.00$25.0011/23/2009 8:12:41 PM
carmat60$25.00$25.0011/23/2009 11:20:51 PM
Eloise62$75.00$75.0011/24/2009 7:36:08 AM
leverage-monger$100.00$100.0011/24/2009 8:30:32 AM
waterlogged39$100.00$100.0011/24/2009 9:04:29 AM
leverage-monger$100.00$100.0011/24/2009 10:45:50 AM
bestloanrate$25.00$25.0011/24/2009 11:19:04 AM
Leshan$25.58$25.5811/24/2009 12:31:56 PM
113121$25.00$25.0011/24/2009 12:52:24 PM
dorypro$25.00$25.0011/24/2009 3:07:05 PM
JGuide$25.00$25.0011/24/2009 3:59:00 PM
JGuide$25.00$25.0011/24/2009 3:59:14 PM
capital-galaxy$150.00$34.6111/24/2009 5:09:06 PM
flexible-economy2$150.00$150.0011/19/2009 12:52:11 PM
reflective-rupee$25.00$25.0011/20/2009 8:43:56 PM
reflective-rupee$25.00$25.0011/20/2009 8:44:43 PM
reflective-rupee$25.00$25.0011/20/2009 8:43:40 PM
reflective-rupee$25.00$25.0011/20/2009 8:44:28 PM
EEasyMoney$25.00$25.0011/20/2009 9:17:30 PM
run_dmc$50.00$50.0011/21/2009 8:58:06 AM
penny-surgeon$25.00$25.0011/21/2009 11:28:40 AM
return-grizzly$100.00$100.0011/21/2009 2:31:00 PM
enthusiastic-balance5$200.00$200.0011/22/2009 7:31:45 PM
honorable-yield$25.00$25.0011/23/2009 7:47:19 AM
thetuck$75.00$75.0011/22/2009 12:28:58 PM
reliable-vigilance$50.00$50.0011/23/2009 10:32:37 PM
Velocity_Lenders$50.00$50.0011/24/2009 10:31:14 AM
money_player$25.00$25.0011/24/2009 11:50:50 AM
impartial-deal$25.00$25.0011/24/2009 12:31:07 PM
Laxa$25.00$25.0011/24/2009 2:15:31 PM
MoneyForNothing$25.00$25.0011/24/2009 3:26:50 PM
well-mannered-income3$75.00$75.0011/24/2009 4:28:09 PM
loss-of-control$50.00$50.0011/24/2009 4:46:36 PM
prudent-gain7$25.00$25.0011/24/2009 5:04:48 PM
45 bids
 
Borrower Payment Dependent Notes Series 433926
This series of Notes was issued and sold upon the funding of the borrower loan #39678, 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-17-2009 
  Auction end date:  Nov-24-2009 
 
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: 5 First credit line: Sep-2001 Debt/Income ratio: 14%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $5,565 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: marauder0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?Pay off credit cards

My financial situation:
I am a good candidate for this loan because? I have minimal bills e.g. Own my car, do not pay rent or mortgage, Have a secure job and absolutely no reason I could not make a payment

Monthly net income: $ 1900

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please list your monthly expenses. thanks - reflective-rupee
A: Car insurance - $90/month student loans - $140/month phone - $90/month gas/food/entertainment - $300/month credit cards - currently paying minimum - $200/month (Nov-20-2009)
Q: Please describe your profession. thanks - reflective-rupee
A: Service multinational insurance accounts: -track invoice/policy issuance, premium payment flow back to reinsurance panel/captive -work with over 150 countries to ensure our policies can be legally issued, what taxes/ tariff rates apply -coordinate meetings between finance/claims/underwriting/service to ensure accounts run smoothly from all ends (Nov-20-2009)
Q: Given that your monthly expenses are $1000 less than your net monthly income, why can't you just pay off your cards without a Prosper loan over the next 6 months? thanks - reflective-rupee
A: I am working towards paying off personal loans from friends as well (Nov-21-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0011/17/2009 5:23:53 PM
reflective-rupee$50.00$50.0011/17/2009 5:24:09 PM
dt_one$25.00$25.0011/18/2009 12:04:46 PM
Eloise62$75.00$75.0011/18/2009 7:19:06 AM
unk1911$25.00$25.0011/20/2009 5:01:32 PM
vivacious-p2p3$25.00$25.0011/22/2009 6:10:32 PM
well-mannered-income3$75.00$75.0011/23/2009 5:55:50 PM
capital-galaxy$125.00$125.0011/23/2009 6:02:13 PM
Gobsek$25.00$25.0011/23/2009 8:12:33 PM
reflective-rupee$25.00$25.0011/24/2009 4:29:03 AM
well-mannered-income3$75.00$75.0011/24/2009 7:00:18 AM
marwadi-62$25.00$25.0011/24/2009 7:49:50 AM
durability-colonel$50.00$50.0011/24/2009 10:06:14 AM
bestloanrate$50.00$50.0011/24/2009 11:21:03 AM
well-mannered-income3$50.00$50.0011/24/2009 1:24:26 PM
kingbob$25.00$25.0011/24/2009 2:07:07 PM
well-mannered-income3$100.00$100.0011/24/2009 4:19:44 PM
DasMula$100.00$100.0011/24/2009 5:02:45 PM
DasMula$100.00$100.0011/24/2009 5:03:15 PM
DasMula$100.00$100.0011/24/2009 5:03:50 PM
jpf27$100.00$100.0011/18/2009 7:18:19 AM
reflective-rupee$120.00$120.0011/18/2009 1:43:53 PM
reflective-rupee$160.00$160.0011/21/2009 11:31:37 AM
reflective-rupee$200.00$200.0011/20/2009 9:08:06 PM
cashhelp$25.00$25.0011/22/2009 11:54:42 AM
reflective-rupee$360.00$360.0011/22/2009 3:11:29 PM
well-mannered-income3$75.00$75.0011/22/2009 7:42:54 PM
reflective-rupee$400.00$400.0011/21/2009 7:31:38 PM
reflective-rupee$400.00$400.0011/21/2009 9:01:09 PM
Laxa$25.00$25.0011/21/2009 9:16:39 PM
reliable-vigilance$35.00$35.0011/23/2009 10:36:42 PM
reflective-rupee$25.00$25.0011/24/2009 4:29:21 AM
reflective-rupee$25.00$25.0011/24/2009 4:28:47 AM
Lubava$30.00$30.0011/24/2009 5:36:01 AM
DasMula$115.00$115.0011/24/2009 8:15:56 AM
well-mannered-income3$75.00$75.0011/24/2009 10:14:06 AM
capital-galaxy$100.00$100.0011/24/2009 10:25:30 AM
capital-galaxy$150.00$150.0011/24/2009 10:21:44 AM
a-reasonable-return$25.00$25.0011/24/2009 11:44:16 AM
malomar66$40.00$40.0011/24/2009 11:44:27 AM
capital-galaxy$100.00$100.0011/24/2009 2:12:28 PM
daekpon$25.00$25.0011/24/2009 4:04:04 PM
Redmond$50.00$15.0011/24/2009 4:20:48 PM
DasMula$100.00$100.0011/24/2009 4:48:00 PM
DasMula$100.00$100.0011/24/2009 4:48:32 PM
loss-of-control$25.00$25.0011/24/2009 4:48:56 PM
46 bids
 
Borrower Payment Dependent Notes Series 433928
This series of Notes was issued and sold upon the funding of the borrower loan #39675, 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-18-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 30.10% Starting monthly payment: $61.63
Final lender yield: 26.49% Final borrower rate/APR: 27.49% / 30.10% Final monthly payment: $61.63
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Jun-1989 Debt/Income ratio: 19%
Credit score: 640-659 (Oct-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:11y 11m
Amount delinquent: $0 Revolving credit balance: $61,965 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: unequaled-velocity7 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Please help
Purpose of loan:
This loan will be used to? pay off a payday loan?

My financial situation:
I am a good candidate for this loan because?
Because I am a responsible individual, I pay off my debt, and I am a reliable, and dependable person, I just need a little help at a difficult time for once. I usually weather finacial problems, until the financial bailout hit
Monthly net income: $
2300.00
Monthly expenses: $
??Housing: $ 745.00/400.00
??Insurance: $? 169.00?
??Car expenses: $
??Utilities: $ 125.00
??Phone, cable, internet: $? 75.00
??Food, entertainment: $ 200.00/ month
Clothing, household expenses $ 0.00
??Credit cards and other loans: $
??Other expenses: $ 450.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please list all of your debts (amount and interest rate). Please indicate the current value of your home. thanks - reflective-rupee
A: present home value-132,000.00 home balance including HELOC-128,500.00 88900.00 6% fixed HELOC-39500.00 2.99 % variable B of A credit card - 13600.00-balance 13400.00 19% rate-variable Capital one CC - 4600.00-balance-4000.00 3.99% rate-fixed Chase CC-4000.00-balance-3950.00 14% rate-variable Payday loan- 1400.00 -450% rate (Nov-20-2009)
Q: Please explain how the financial crisis has effected you in particular, and why all will be fine for your financial if this Prosper loan is made. thanks - reflective-rupee
A: The value of my home used to be 187,000.00 a yr ago-the housing bubble dropped it down to 131,000.00 thus affecting the equity in the home, I had 80,000.00 in equity, took out a HELOC to buy car and home repairs- with the drop in equity- the bank frooze my HELOC making it useless- I could only get a payday loan for emergency expenses- which was a mistake on my part- the payday loan payments are too high which is creating a fiancial burden now. (Nov-21-2009)
Q: Please explain in some detail why your have gotten in the situation that you are in, and why you can now get out of it with this proposed Prosper loan. thanks - reflective-rupee
A: I will try to make this answer brief- 4 years ago, I was working full time and also starting up my own business- I used my personal credit available to purchase tools and computer, and for expenses to run it. I was doing well until the work started slowing down, and eventually stopped all together, basically due to the economy-most of the work I was doing was cash based. right now, I need this personal loan to payoff a payday loan because of it's exceedinly high payments and interest rate. (Nov-21-2009)
Q: Would you describe then nature of your current job. thanks JJ - quickstep
A: I presently work 2 jobs. In my primary job, I am a service technician for a nationwide company. I go to cutomers homes and service and repair their equipment in the home. My 2nd job, I do what is called recovery, or zoning work, for a national retail store. In other words, I come into the store at night and straighten up and do minor stock work to prepare the store for the next days business. (Nov-22-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$50.00$50.0011/18/2009 9:10:50 PM
reflective-rupee$25.00$25.0011/19/2009 1:46:42 AM
quickstep$100.00$100.0011/22/2009 2:27:20 AM
reflective-rupee$180.00$180.0011/22/2009 6:59:27 AM
reflective-rupee$25.00$25.0011/22/2009 6:59:44 AM
Bob450$25.00$25.0011/22/2009 5:52:16 PM
income-rocker2$181.44$181.4411/22/2009 8:00:19 PM
quickstep$50.00$50.0011/23/2009 2:48:23 AM
quickstep$25.00$25.0011/22/2009 2:13:19 AM
TheAlchemist$26.36$26.3611/23/2009 10:36:16 AM
reflective-rupee$30.00$30.0011/22/2009 9:28:42 PM
stable-commitment2$25.00$25.0011/23/2009 4:35:20 PM
scarlet-velvet$25.00$25.0011/23/2009 5:39:45 PM
reflective-rupee$75.00$75.0011/19/2009 10:28:34 PM
reflective-rupee$25.00$25.0011/22/2009 6:59:55 AM
well-mannered-income3$75.00$75.0011/22/2009 4:47:13 PM
well-mannered-income3$50.00$50.0011/22/2009 7:51:12 PM
reflective-rupee$150.00$150.0011/21/2009 11:31:09 AM
reflective-rupee$150.00$150.0011/21/2009 7:33:51 PM
mercuriant$25.00$25.0011/23/2009 11:27:46 AM
peb44$25.00$25.0011/23/2009 1:23:33 PM
reflective-rupee$50.00$50.0011/22/2009 9:37:42 PM
safe-money5$25.00$25.0011/23/2009 5:46:43 AM
BSr$25.00$25.0011/23/2009 12:11:51 PM
loss-of-control$50.00$50.0011/23/2009 7:15:59 PM
reflective-rupee$25.00$7.2011/23/2009 10:38:57 PM
26 bids
 
Borrower Payment Dependent Notes Series 433936
This series of Notes was issued and sold upon the funding of the borrower loan #39666, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 32.00% Final borrower rate/APR: 33.00% / 35.42% Final monthly payment: $88.22
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.17%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Dec-1999 Debt/Income ratio: 36%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $5,987 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: skiman76 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $1,301.76 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
credit cards
Purpose of loan:
This loan will be used to?
buy new vehicle
My financial situation:
I am a good candidate for this loan because? I have a stable work history and a history of paying my bills on time
I have not missed a Prosper payment ever or anyother type of bill
Monthly net income: $ 1700.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 70
??Car expenses: $0
??Utilities: $ 50
??Phone, cable, internet: $ 20
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 150
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$50.00$50.0011/17/2009 5:24:10 PM
bankbuddy55$25.00$25.0011/18/2009 3:29:22 PM
reflective-rupee$25.00$25.0011/20/2009 10:06:48 AM
reflective-rupee$25.00$25.0011/20/2009 5:17:52 PM
felicity-daydream$50.00$50.0011/20/2009 8:25:48 PM
reflective-rupee$25.00$25.0011/20/2009 5:17:41 PM
prominence8$25.00$25.0011/23/2009 9:10:40 AM
hope-dreamer9$50.00$50.0011/23/2009 7:40:22 AM
lender12345$64.97$64.9711/22/2009 6:44:27 PM
sweety075$25.00$25.0011/23/2009 4:40:52 PM
carmat60$25.00$25.0011/23/2009 11:23:08 PM
marwadi-62$25.00$25.0011/24/2009 7:47:01 AM
PotBellyPete$50.00$50.0011/24/2009 8:30:27 AM
Zipcut$30.00$30.0011/24/2009 1:38:06 PM
DasMula$100.00$100.0011/24/2009 5:09:23 PM
noble-revenue$100.00$100.0011/24/2009 4:55:14 PM
People-for-people$50.00$50.0011/17/2009 5:11:46 PM
reflective-rupee$50.00$50.0011/17/2009 5:30:38 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:54 PM
silvercertificate$26.79$26.7911/18/2009 8:55:06 PM
FrogAndToad$25.00$25.0011/20/2009 3:14:13 AM
DasMula$100.00$100.0011/20/2009 3:33:43 PM
shawnw2$50.00$50.0011/20/2009 3:36:31 PM
vivacious-p2p3$25.00$25.0011/22/2009 6:13:51 PM
enthusiastic-balance5$200.00$200.0011/22/2009 7:30:47 PM
EEasyMoney$50.00$50.0011/23/2009 7:09:26 AM
invincible-gain$60.00$60.0011/23/2009 8:37:28 PM
invincible-gain$130.00$130.0011/24/2009 8:10:49 AM
Bobusa$25.00$25.0011/24/2009 10:04:25 AM
bestloanrate$50.00$50.0011/24/2009 11:22:40 AM
impartial-deal$25.00$25.0011/24/2009 11:53:29 AM
Leshan$25.59$25.5911/24/2009 12:32:46 PM
branaa99$25.00$25.0011/24/2009 2:00:49 PM
penny-surgeon$25.00$25.0011/24/2009 3:04:56 PM
just-trade0$36.00$36.0011/24/2009 3:47:18 PM
WMY-Investor$250.00$101.6511/24/2009 3:10:55 PM
daekpon$25.00$25.0011/24/2009 4:04:39 PM
well-mannered-income3$75.00$75.0011/24/2009 4:26:49 PM
loss-of-control$50.00$50.0011/24/2009 4:51:50 PM
the-profit-oracle$25.00$25.0011/24/2009 5:03:07 PM
friendinmoney$25.00$25.0011/24/2009 5:09:58 PM
41 bids
 
Borrower Payment Dependent Notes Series 433962
This series of Notes was issued and sold upon the funding of the borrower loan #39705, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $227.19
 
Auction yield range: 4.29% - 34.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1997 Debt/Income ratio: 24%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 16 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $35,567 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 46%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: rusie28 Borrower's state: Pennsylvania Borrower's group: LendersClub
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: 1 / 1 On-time: 15 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
780-799 (Jul-2008)
 
Principal balance: $608.77 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Refinance Auto Loan
Purpose of loan:
I will be using this loan to refinance my higher interest rate auto loan, enabling me to pay off?the car within 36 months.

My financial situation:
I have a secure position with excellent pay at a reputable publicly traded manufacturing company.? I am also currently enrolled in an MBA program that is being paid for by my employer.? I make all my monthly payments on time and have never had a late payment.? I currently have a Prosper loan that I used to bid on other loans when it was allowed in my state and the payments received from my lending account more than cover my payments for my outstanding prosper loan.? My payments for this loan have also always been on time.

This loan will be used to pay off my higher interest rate auto loan.? My monthly payment for this auto loan is currently $582 and this loan will lower my monthly payment to about $225 to $275.?
Monthly net income: $ 8,819

Monthly expenses: $ 4,300
??Housing: $ 2,000
??Utilities: $ 300 Car Expenses: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Household expenses $ 100
??Credit cards and other loans: $ 1,100
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of $25.00 in winning bids.
"Lendersclub Member and Prosper investor - a great bet!"
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DonaldColorado$25.00$25.0011/18/2009 4:00:39 PM
emo13$50.00$50.0011/18/2009 4:02:48 PM
MoneyU4IA$40.00$40.0011/18/2009 4:03:14 PM
wrighco$25.00$25.0011/18/2009 4:02:40 PM
Banker7371$25.00$25.0011/18/2009 4:03:29 PM
cash-boots$30.00$30.0011/18/2009 4:04:27 PM
leodaguy$25.00$25.0011/18/2009 4:04:39 PM
personal-lender$25.00$25.0011/18/2009 4:08:00 PM
greenbackologist$25.00$25.0011/18/2009 4:08:33 PM
GElender$50.00$50.0011/18/2009 4:08:55 PM
economy-balance$25.00$25.0011/18/2009 4:09:11 PM
BankOfFrankFairness$50.00$50.0011/18/2009 4:12:26 PM
crenen139$100.00$100.0011/18/2009 4:12:54 PM
don8ter$60.00$60.0011/18/2009 4:11:50 PM
kulender$25.00$25.0011/18/2009 4:11:56 PM
Klearwater_Pools$25.00$25.0011/18/2009 4:11:59 PM
Hogpilot$25.00$25.0011/18/2009 4:14:11 PM
credit-investor5$50.00$50.0011/18/2009 4:14:27 PM
lucrative-worth$25.00$25.0011/18/2009 4:02:44 PM
miked8303$25.00$25.0011/18/2009 4:02:55 PM
Cai8899$75.00$75.0011/18/2009 4:03:41 PM
the_winning_ticket$35.00$35.0011/18/2009 4:04:43 PM
building_community$25.00$25.0011/19/2009 12:09:34 AM
AF-Chief$35.00$35.0011/18/2009 4:11:13 PM
magical-greenback$55.00$55.0011/18/2009 4:11:22 PM
mikeandcat$50.00$50.0011/18/2009 4:11:30 PM
fair-funds$25.00$25.0011/18/2009 4:13:48 PM
rakstar$50.00$50.0011/18/2009 4:14:20 PM
interstellar$48.76$48.7611/18/2009 7:14:58 PM
BAEVentures$50.00$50.0011/19/2009 9:00:03 AM
bondhedger$25.00$25.0011/19/2009 2:15:19 PM
YummiBear$25.00$25.0011/19/2009 5:47:01 PM
Only_Money$25.00$25.0011/19/2009 7:53:13 PM
Gex$25.00$25.0011/20/2009 12:04:33 PM
MoneyTree79$100.00$100.0011/20/2009 6:44:40 PM
Syzygy$25.00$25.0011/20/2009 11:23:31 PM
the-profit-oracle$25.00$25.0011/21/2009 7:30:09 AM
wisemoney22$25.00$25.0011/21/2009 2:09:33 AM
OwlGirl$25.00$25.0011/21/2009 10:44:31 AM
Only_Money$25.00$25.0011/21/2009 12:06:48 PM
BAEVentures$50.00$50.0011/20/2009 9:26:39 PM
GS-ROCK$34.81$34.8111/22/2009 2:17:53 PM
rakey$25.00$25.0011/23/2009 5:17:40 PM
1SteelerFan$25.00$25.0011/23/2009 5:22:22 PM
nimcha$50.00$50.0011/24/2009 4:12:29 AM
Patrician$88.87$88.8711/24/2009 5:14:23 AM
innovator799$25.00$25.0011/24/2009 10:16:44 AM
patriot384$100.00$100.0011/24/2009 4:18:17 PM
RandyL3$30.00$30.0011/24/2009 4:40:33 PM
People-for-people$50.00$50.0011/24/2009 5:22:08 PM
OoM$25.00$25.0011/24/2009 5:34:56 PM
Tai$25.00$25.0011/24/2009 11:11:06 PM
indomart$50.00$50.0011/24/2009 11:33:54 PM
PotBellyPete$60.00$60.0011/25/2009 8:01:01 AM
jybank$25.00$25.0011/25/2009 10:30:57 AM
rate-hickory$25.00$25.0011/25/2009 10:58:54 AM
congardner1$25.00$25.0011/25/2009 9:22:21 AM
buckyhead2000$25.00$25.0011/25/2009 11:08:23 AM
aztec$50.00$50.0011/25/2009 1:25:48 PM
mroew$26.77$26.7711/25/2009 2:53:20 PM
organic-platinum$25.00$25.0011/25/2009 3:54:24 PM
joecar1111$100.00$100.0011/25/2009 3:27:00 PM
GO4NY23$25.00$25.0011/25/2009 3:46:38 PM
wild-orange$100.00$100.0011/25/2009 3:48:38 PM
sidney102$25.00$25.0011/18/2009 4:02:28 PM
gizzywump$25.00$25.0011/18/2009 4:03:00 PM
antlr$25.00$25.0011/18/2009 4:03:03 PM
hard-working-loot$25.00$25.0011/18/2009 4:03:05 PM
zoomdrm57$50.00$50.0011/18/2009 4:03:08 PM
repayment-chef$25.00$25.0011/18/2009 4:03:19 PM
lend_to_you$50.00$50.0011/18/2009 4:04:34 PM
sharkm$25.00$25.0011/18/2009 4:04:49 PM
E_G$50.00$50.0011/18/2009 4:04:53 PM
burgeoning-silver$25.00$25.0011/18/2009 4:04:59 PM
a-responsible-return$25.00$25.0011/18/2009 4:07:54 PM
Weaverville$25.00$25.0011/18/2009 4:08:03 PM
neighborly-hope6$100.00$100.0011/18/2009 4:08:27 PM
justice-dna$35.00$35.0011/18/2009 4:08:30 PM
Attract$25.00$25.0011/18/2009 4:07:48 PM
five-star-justice$36.00$36.0011/18/2009 4:09:08 PM
BlindProphet$25.00$25.0011/18/2009 4:08:13 PM
888168$50.00$50.0011/18/2009 4:09:51 PM
thedoctor$40.00$40.0011/18/2009 4:08:37 PM
rmachi$25.00$25.0011/18/2009 4:08:41 PM
Zarf$50.00$50.0011/18/2009 4:10:44 PM
newbietony$40.00$40.0011/18/2009 4:10:47 PM
Mr_Marcus$50.00$50.0011/18/2009 4:11:26 PM
evnagelist$50.00$50.0011/18/2009 4:10:39 PM
mamayama$25.00$25.0011/18/2009 4:12:08 PM
Havana21$50.00$50.0011/18/2009 4:10:50 PM
gethsemane4$25.00$25.0011/18/2009 4:12:38 PM
Speculator$25.00$25.0011/18/2009 4:11:40 PM
orange-courageous-dedication$40.00$40.0011/18/2009 4:13:03 PM
trade-doughnut5$25.00$25.0011/18/2009 4:11:54 PM
honorable-yield$75.00$75.0011/18/2009 4:13:30 PM
Artist_Blue$25.00$25.0011/18/2009 4:13:54 PM
best-decisive-peace$25.00$25.0011/18/2009 4:13:34 PM
credit-coach118$35.00$24.6611/18/2009 4:14:37 PM
Kerrysbay$25.00$25.0011/18/2009 3:59:55 PM
TakeCare$100.00$100.0011/18/2009 4:02:52 PM
first-wampum-trapper$25.00$25.0011/18/2009 4:03:12 PM
Goodlender42$25.00$25.0011/18/2009 4:03:24 PM
lloyd_s$25.00$25.0011/18/2009 4:03:47 PM
bchen78875$50.00$50.0011/18/2009 4:08:07 PM
gracej$25.00$25.0011/18/2009 4:08:17 PM
Walkingcowboy$25.00$25.0011/18/2009 4:08:20 PM
trident9$50.00$50.0011/18/2009 4:08:24 PM
bonus-patriot$25.00$25.0011/18/2009 4:08:57 PM
tallmon$25.00$25.0011/18/2009 4:09:55 PM
ljay$25.00$25.0011/18/2009 4:12:20 PM
Steveoo1$50.00$50.0011/18/2009 4:13:56 PM
wicada$55.89$55.8911/19/2009 8:26:45 AM
unk1911$25.00$25.0011/19/2009 10:21:34 AM
lepolgr$50.00$50.0011/19/2009 3:42:36 PM
hellasow$30.00$30.0011/20/2009 2:35:47 AM
Mantis75$25.00$25.0011/19/2009 4:30:11 PM
Gaelicman$100.00$100.0011/20/2009 11:17:45 AM
JGuide$25.00$25.0011/20/2009 11:32:57 AM
availableloan$25.00$25.0011/20/2009 8:46:59 PM
Miami_Lending$115.04$115.0411/21/2009 9:21:55 AM
Light_Verity$500.00$500.0011/21/2009 8:54:01 AM
loanman2007$250.00$250.0011/21/2009 4:55:53 PM
authoritative-social$25.00$25.0011/22/2009 4:06:24 AM
JDLanier$25.00$25.0011/21/2009 9:22:05 AM
friendly-money$25.00$25.0011/23/2009 3:16:32 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:44 PM
loss-of-control$100.00$100.0011/23/2009 5:30:44 PM
DenimCapital$100.00$100.0011/24/2009 11:35:19 AM
impartial-deal$50.00$50.0011/24/2009 11:56:05 AM
unger$100.00$100.0011/24/2009 12:22:07 PM
drkhelmet$25.00$25.0011/24/2009 7:45:16 PM
SwiDaddy$50.00$50.0011/24/2009 11:27:17 PM
bonbon224$25.00$25.0011/25/2009 4:19:15 AM
scrabbler$25.00$25.0011/25/2009 6:21:10 AM
Share-the-wealth$100.00$100.0011/25/2009 7:06:54 AM
guardian3$25.00$25.0011/25/2009 9:12:18 AM
VT2VA$25.00$25.0011/25/2009 10:13:13 AM
Dollars4Rent$25.00$25.0011/25/2009 7:55:48 AM
lepolgr$50.00$50.0011/25/2009 10:25:03 AM
amor1962$25.00$25.0011/25/2009 10:27:45 AM
bizzzond$39.20$39.2011/25/2009 10:01:34 AM
371millwood$100.00$100.0011/25/2009 11:01:12 AM
OGS_Capital$25.00$25.0011/25/2009 11:28:54 AM
yenom$25.00$25.0011/25/2009 11:51:18 AM
HomerdohNY$25.00$25.0011/25/2009 12:18:53 PM
elegant-bonus$25.00$25.0011/25/2009 12:27:39 PM
blindtaxidriver$25.00$25.0011/25/2009 12:22:15 PM
SanJoser$50.00$50.0011/25/2009 12:35:34 PM
Astyanax$25.00$25.0011/25/2009 12:03:14 PM
dblakels$25.00$25.0011/25/2009 1:55:20 PM
CA_Lender$25.00$25.0011/25/2009 2:04:04 PM
julijask$25.00$25.0011/25/2009 2:06:25 PM
Unix$25.00$25.0011/25/2009 3:31:26 PM
exciting-fairness$200.00$200.0011/25/2009 3:48:45 PM
icon7$25.00$25.0011/25/2009 3:56:00 PM
caseattle$25.00$25.0011/25/2009 3:51:05 PM
156 bids
 
Borrower Payment Dependent Notes Series 433988
This series of Notes was issued and sold upon the funding of the borrower loan #39771, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 29.02% Starting borrower rate/APR: 30.02% / 32.40% Starting monthly payment: $157.11
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 28.32% Final monthly payment: $149.08
 
Auction yield range: 11.29% - 29.02% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Mar-1989 Debt/Income ratio: 15%
Credit score: 640-659 (Oct-2009) Current / open credit lines: 10 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $5,805 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 3    
Screen name: bstn_guy Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 640-659 (Latest)
Principal borrowed: $8,200.00< mo. late: 0 ( 0% )  
680-699 (Nov-2007)
 
Principal balance: $3,336.94 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
2nd prosper loan
????I am an excellent candidate to repay this loan. I currently have 1 Prosper loan that has 14 payments left. I was never late or missed any payments. Personally, I have never filed for bankruptcy. All my listed delinquencies were paid in full. I am getting a?2nd loan because I would rather pay interest to prosper lenders than our large Corporations, besides I think they?re getting enough taxpayer money from TARP.?
????Please note: I may pay off this second loan early and also make extra payments during the loan.??

Purpose of loan:?
????I will use this loan to?pay off a?credit card and pay off the IRS (taxes).

My financial situation:?
????I have a great job as an Application Support Engineer at a computer software/technology vendor in the financial services field. I was working as a contractor with them, but I'm now a full-time employee. Before, I worked in the financial services field for almost 10 years and for 6 of those years at one Investment Management Co.

Monthly net income: $3,846.38 (based on below info not including 15% bonus)?
????I make $66,650 as an hourly salaried employee. This means I?m eligible for extra pay past 37.5 hours and overtime over 40 hours in any pay period. So far, I?ve made an extra $5,201.38 this year. Also, I am eligible for a yearly bonus up to 15% of my salary. And I will be eligible up to a 5% raise start of 2010.

Monthly expenses: $2,792.29?
????NOTE: I live right?in?downtown?Boston (Back Bay) and I work?here too. So, I do not have a car or any car payments. I use the MBTA and?Zipcar.? Housing: $1,250??
Utilities: $40?
Cell phone: $45??
Cable, internet: $70??
Food, entertainment: $400??
Misc. expenses $75???
Other bills: $285??
Prosper Loan: $276.29 ? 14 payments remaining??
???????????????????????????Balance??? Interest rate???? My payments per month
credit card #1??? $2,580??????? @ 27.24%????????????$110
IRS bill??????????????$1,120???????????????????????????????????$100
?--------------------------------------------------------------------------------------------------------
Prosper loan??????$3,700??????? @ 27%?????????????? $151 savings of $59 a month?????
????????????????????????????????????????????@ 30%?? ????????????$157?savings of $53???????????
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)
festivecpl$50.00$50.0011/18/2009 7:26:17 PM
Aberdeen$300.00$300.0011/18/2009 4:16:03 PM
jdw_aavu$50.00$50.0011/19/2009 4:19:18 PM
marwadi-62$50.00$50.0011/19/2009 5:23:28 PM
lender12345$25.00$25.0011/20/2009 9:19:13 AM
heerzaquestion$50.00$50.0011/20/2009 10:44:29 AM
wodude$25.00$25.0011/20/2009 10:16:40 PM
Ambassador$25.00$25.0011/21/2009 7:18:46 AM
medarocket$25.00$25.0011/22/2009 5:24:09 PM
CA_Lender$25.00$25.0011/21/2009 2:15:07 PM
bondhedger$25.00$25.0011/23/2009 6:00:23 AM
Peterman$50.00$30.5011/23/2009 12:06:16 PM
wealth-pipeline$25.00$25.0011/23/2009 3:21:41 PM
forthright-dedication$25.00$25.0011/23/2009 9:55:29 AM
sweety075$25.00$25.0011/23/2009 4:43:26 PM
People-for-people$50.00$50.0011/23/2009 4:59:54 PM
Kash2010lu$25.00$25.0011/23/2009 6:04:42 PM
Get56$25.00$25.0011/24/2009 12:58:37 AM
m60gpmg$30.00$30.0011/24/2009 6:53:03 AM
JustMee$25.00$25.0011/24/2009 5:00:33 PM
carrinel$100.00$100.0011/24/2009 5:31:55 PM
invincible-gain$100.00$100.0011/24/2009 8:04:20 PM
bst$25.00$25.0011/24/2009 8:08:29 PM
SuperDoucheBag$25.00$25.0011/24/2009 8:06:24 PM
eboomer2611$25.00$25.0011/25/2009 5:49:41 AM
glenium$25.00$25.0011/25/2009 4:26:21 AM
MrLeft$25.00$25.0011/25/2009 6:59:00 AM
credit-missile$100.00$100.0011/25/2009 7:21:21 AM
truth-smasher$25.00$25.0011/25/2009 4:48:32 AM
credit-missile$100.00$100.0011/25/2009 8:57:43 AM
farchoir$33.27$33.2711/25/2009 7:08:18 AM
371millwood$200.00$200.0011/25/2009 11:02:10 AM
stephen_c01$43.00$43.0011/25/2009 10:16:19 AM
payout-reaction740$25.00$25.0011/25/2009 10:32:31 AM
momentous-transaction8$100.00$100.0011/25/2009 12:12:26 PM
a-reasonable-return$50.00$50.0011/25/2009 11:49:52 AM
dorypro$25.00$25.0011/25/2009 2:24:49 PM
TakeCare$50.00$50.0011/25/2009 3:10:15 PM
LAKETIME$25.00$25.0011/25/2009 3:25:02 PM
flyboy42$50.00$50.0011/25/2009 2:25:20 PM
newbietony$40.00$40.0011/25/2009 2:32:12 PM
bobd32$25.00$25.0011/25/2009 3:05:34 PM
TakeCare$50.00$50.0011/25/2009 3:10:56 PM
MoneyForNothing$25.00$25.0011/25/2009 3:27:15 PM
Engineer44$31.74$31.7411/25/2009 3:57:41 PM
investment-visionary$25.00$25.0011/19/2009 3:58:17 PM
penny-surgeon$25.00$25.0011/19/2009 7:10:29 PM
radar_love$25.00$25.0011/20/2009 8:29:45 PM
spiff666$25.00$25.0011/22/2009 7:29:17 AM
Mr_Egret$25.00$25.0011/20/2009 7:59:42 PM
amor1962$25.00$25.0011/23/2009 4:52:20 PM
credit-coach118$35.00$35.0011/23/2009 4:52:32 PM
Credit2Prosper$49.25$49.2511/24/2009 6:11:42 AM
impartial-deal$25.00$25.0011/24/2009 11:58:22 AM
JGuide$25.00$25.0011/24/2009 4:01:28 PM
loss-of-control$50.00$50.0011/24/2009 4:58:53 PM
autonomous-power$50.00$50.0011/24/2009 5:12:32 PM
portfolio-turbine$25.00$25.0011/24/2009 5:26:20 PM
stockcop$25.00$25.0011/24/2009 5:23:43 PM
authoritative-social$25.00$25.0011/24/2009 6:30:39 PM
wyogirllender$25.00$25.0011/24/2009 6:43:59 PM
Tizzo27$100.00$100.0011/24/2009 7:06:18 PM
Gaelicman$50.00$50.0011/24/2009 10:23:32 PM
CaliforniaSun$25.00$25.0011/24/2009 9:03:49 PM
unger$100.00$100.0011/25/2009 3:26:53 AM
umfan123$25.00$25.0011/25/2009 6:25:57 AM
pietro_torna_indietro$25.00$25.0011/25/2009 7:43:16 AM
icon7$40.00$40.0011/25/2009 6:38:52 AM
Moe87$32.91$32.9111/25/2009 6:41:03 AM
crw1950$50.00$50.0011/25/2009 10:13:49 AM
OGS_Capital$25.00$25.0011/25/2009 8:21:06 AM
maga$129.00$129.0011/25/2009 8:40:24 AM
Leshan$31.63$31.6311/25/2009 10:29:13 AM
leverage-monger$100.00$100.0011/25/2009 9:12:59 AM
Astyanax$25.00$25.0011/25/2009 12:08:17 PM
Nusk$30.00$30.0011/25/2009 1:14:37 PM
aztec$50.00$50.0011/25/2009 1:38:22 PM
fireferd$100.00$100.0011/25/2009 2:15:07 PM
loss-of-control$43.70$43.7011/25/2009 3:52:22 PM
79 bids
 
Borrower Payment Dependent Notes Series 433998
This series of Notes was issued and sold upon the funding of the borrower loan #39708, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,800.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $217.13
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $217.13
 
Auction yield range: 14.29% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Jan-2007 Debt/Income ratio: 18%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $3,484 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 43%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: Ablaz 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 88% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 13% )  
600-619 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
New appliances to rent out condo
Purpose of loan:
This loan will be used to buy new appliances?for appt modernization for further rent out. ?

My financial situation:
I have stable income and this loan will be used to increase the income. ??

Monthly net income: $
3,100
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 140
??Car expenses: $?
??Utilities: $ 60
??Phone, cable, internet: $ 40
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $?280
??Other expenses: $ 250
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)
frugalinvestor20$25.00$25.0011/18/2009 4:02:15 PM
reflective-rupee$25.00$25.0011/19/2009 1:41:33 AM
reflective-rupee$50.00$50.0011/19/2009 1:55:21 AM
reflective-rupee$50.00$50.0011/19/2009 10:36:51 PM
reflective-rupee$600.00$600.0011/21/2009 11:33:09 AM
efficient-principal$100.00$100.0011/20/2009 5:03:08 PM
reflective-rupee$50.00$50.0011/21/2009 9:03:45 PM
reflective-rupee$50.00$50.0011/21/2009 9:03:14 PM
well-mannered-income3$50.00$50.0011/22/2009 7:52:59 PM
well-mannered-income3$25.00$25.0011/22/2009 6:50:36 PM
FinDoc$25.00$25.0011/23/2009 5:19:25 PM
income-rocker2$144.96$144.9611/23/2009 5:48:55 PM
capital-galaxy$125.00$125.0011/23/2009 6:09:21 PM
well-mannered-income3$50.00$50.0011/23/2009 8:12:18 PM
wealth-pipeline$25.00$25.0011/24/2009 7:21:11 AM
income-rocker2$200.00$200.0011/24/2009 1:20:22 PM
income-rocker2$250.00$250.0011/24/2009 1:17:24 PM
income-rocker2$185.51$185.5111/24/2009 1:18:24 PM
mt3209$25.00$25.0011/24/2009 2:12:37 PM
the-profit-oracle$25.00$25.0011/24/2009 5:35:04 PM
lender12345$25.00$25.0011/24/2009 5:32:16 PM
DasMula$100.00$100.0011/24/2009 8:27:03 PM
five-star-note$25.00$25.0011/24/2009 7:24:31 PM
EEasyMoney$25.00$25.0011/24/2009 8:52:18 PM
DasMula$100.00$100.0011/24/2009 8:23:17 PM
113121$25.00$25.0011/25/2009 7:19:05 AM
penny-surgeon$25.00$25.0011/25/2009 7:32:06 AM
iolaire$25.00$25.0011/25/2009 9:08:27 AM
Iceman1347$25.00$25.0011/25/2009 9:33:24 AM
Kash2010lu$25.00$25.0011/25/2009 11:19:54 AM
epic-payout$27.18$27.1811/25/2009 12:53:13 PM
nala2821$25.00$25.0011/25/2009 1:10:10 PM
aztec$50.00$50.0011/25/2009 1:23:12 PM
just-trade0$72.00$72.0011/25/2009 1:26:30 PM
whittlesey31$25.00$25.0011/25/2009 1:06:11 PM
Astyanax$25.00$25.0011/25/2009 12:11:10 PM
reflective-rupee$500.00$224.5211/25/2009 12:58:43 PM
dorypro$25.00$25.0011/25/2009 2:25:43 PM
Peterman$50.00$50.0011/25/2009 3:34:21 PM
jybank$25.00$25.0011/25/2009 3:55:23 PM
reflective-rupee$50.00$50.0011/19/2009 5:02:48 AM
reflective-rupee$25.00$25.0011/19/2009 5:13:24 AM
well-mannered-income3$25.00$25.0011/19/2009 6:50:29 PM
felicity-daydream$25.00$25.0011/20/2009 8:43:29 PM
awesome-benefit1$25.00$25.0011/21/2009 12:06:52 PM
reflective-rupee$50.00$50.0011/21/2009 9:03:29 PM
reflective-rupee$50.00$50.0011/21/2009 9:04:02 PM
reflective-rupee$25.00$25.0011/21/2009 9:02:59 PM
reflective-rupee$200.00$200.0011/21/2009 9:04:25 PM
forthright-dedication$25.00$25.0011/23/2009 9:56:45 AM
grotheik$25.00$25.0011/22/2009 11:38:40 AM
cashhelp$25.00$25.0011/22/2009 11:59:46 AM
sweety075$25.00$25.0011/23/2009 4:44:03 PM
noble-revenue$25.00$25.0011/23/2009 5:19:27 PM
capital-galaxy$125.00$125.0011/23/2009 6:08:50 PM
well-mannered-income3$50.00$50.0011/24/2009 10:15:47 AM
bazaar-pizza$25.00$25.0011/24/2009 11:09:35 AM
capital-galaxy$125.00$125.0011/24/2009 2:10:39 PM
shrewd-income$25.00$25.0011/24/2009 5:07:30 PM
Marfloogan$25.00$25.0011/24/2009 5:22:33 PM
well-mannered-income3$50.00$50.0011/24/2009 6:58:09 PM
EngineerUSMC$101.00$101.0011/24/2009 9:33:35 PM
EEasyMoney$25.00$25.0011/25/2009 7:12:57 AM
Laxa$50.00$50.0011/25/2009 4:13:08 AM
well-mannered-income3$50.00$50.0011/25/2009 7:30:47 AM
pietro_torna_indietro$25.00$25.0011/25/2009 7:44:36 AM
verticalhorizon$63.21$63.2111/25/2009 10:42:17 AM
Laxa$150.00$150.0011/25/2009 10:02:05 AM
Leshan$31.62$31.6211/25/2009 10:27:08 AM
MrLeft$25.00$25.0011/25/2009 11:54:35 AM
People-for-people$50.00$50.0011/25/2009 1:10:23 PM
Gobsek$25.00$25.0011/25/2009 1:07:55 PM
Astyanax$25.00$25.0011/25/2009 12:10:51 PM
PugDog$25.00$25.0011/25/2009 12:55:56 PM
umfan123$25.00$25.0011/25/2009 2:19:23 PM
TakeCare$25.00$25.0011/25/2009 3:12:26 PM
TakeCare$50.00$50.0011/25/2009 3:53:47 PM
77 bids
 
Borrower Payment Dependent Notes Series 434108
This series of Notes was issued and sold upon the funding of the borrower loan #39765, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $163.69
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $162.28
 
Auction yield range: 4.29% - 10.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1994 Debt/Income ratio: 20%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 19 / 19Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 30Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $35,432 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: aridon Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
760-779 (Mar-2008)
 
Principal balance: $2,500.81 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Part Time MBA Student
Purpose of loan:
This loan will be used for tuition to complete?my MBA from San Jose State University. Tuition rates unexpectedly increased and tuition is now due much earlier than before. I am attending part time while working. I expect my salary will increase with an MBA and I expect to repay this loan early (in less than 2 years). When I finish school and go back to working full time, I expect to earn $90k or more at the same company I work for now. Yes, even in this economy. I have 10 years experience in what I do.

My financial situation:
I am a good candidate for this loan because I have excellent credit score and a?low debt to income ratio. I have significant?assets such as stock, 401k, and a two fully paid-off cars (combined worth about $40k). My portion of the rent is less than $850 / month and other living expenses are relatively low. I do carry some revolving debt on credit cards, most of it is?at promotional rates around 5% until paid in full (too bad they don't offer these anymore). I have no problem with regular expenses, but tuition has increased?more than what I had planned for. The school and?government loan programs exclude me because I am working and make too much for assistance. I have had a prosper loan in the past and was very happy with it, I always paid on time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Kerrysbay$25.00$25.0011/19/2009 12:34:56 PM
Goodlender42$25.00$25.0011/19/2009 12:38:21 PM
emo13$50.00$50.0011/19/2009 12:37:47 PM
Banker7371$25.00$25.0011/19/2009 12:38:25 PM
lend_to_you$50.00$50.0011/19/2009 12:40:10 PM
leodaguy$25.00$25.0011/19/2009 12:40:17 PM
cash-boots$30.00$30.0011/19/2009 12:40:03 PM
burgeoning-silver$25.00$25.0011/19/2009 12:40:46 PM
a-responsible-return$25.00$25.0011/19/2009 12:43:59 PM
trident9$50.00$50.0011/19/2009 12:44:38 PM
neighborly-hope6$100.00$100.0011/19/2009 12:44:40 PM
rmachi$25.00$25.0011/19/2009 12:44:50 PM
Weaverville$25.00$25.0011/19/2009 12:44:10 PM
gracej$25.00$25.0011/19/2009 12:44:29 PM
economy-balance$25.00$25.0011/19/2009 12:45:23 PM
Havana21$50.00$50.0011/19/2009 12:48:06 PM
AF-Chief$35.00$35.0011/19/2009 12:48:32 PM
don8ter$60.00$60.0011/19/2009 12:49:22 PM
vegaslender88$25.00$25.0011/19/2009 12:52:45 PM
mikeandcat$50.00$50.0011/19/2009 12:48:56 PM
open-minded-finance1$25.00$25.0011/19/2009 12:53:45 PM
slartibardfast$35.00$35.0011/19/2009 12:55:07 PM
lendacity$25.00$25.0011/19/2009 12:55:14 PM
the-money-gargantuan$25.00$25.0011/19/2009 12:55:29 PM
Skiph$25.00$25.0011/19/2009 12:56:15 PM
Artist_Blue$25.00$25.0011/19/2009 12:51:30 PM
Steveoo1$50.00$50.0011/19/2009 12:51:36 PM
aldenrains$25.00$25.0011/19/2009 12:51:42 PM
Syzygy$25.00$25.0011/19/2009 12:56:51 PM
pleasant-basis$25.00$25.0011/19/2009 12:53:04 PM
oskizzle$25.00$25.0011/19/2009 12:53:23 PM
amit_gu$46.48$46.4811/19/2009 12:54:15 PM
credit-coach118$35.00$35.0011/19/2009 12:54:18 PM
thestartuplender$50.00$50.0011/19/2009 12:55:59 PM
DonaldColorado$25.00$25.0011/19/2009 12:33:07 PM
thedreamer$25.00$25.0011/19/2009 2:38:00 PM
wrighco$25.00$25.0011/19/2009 12:37:34 PM
antlr$25.00$25.0011/19/2009 12:38:00 PM
highcountry1$25.00$25.0011/19/2009 3:04:35 PM
lloyd_s$25.00$25.0011/19/2009 12:38:46 PM
bigdogsafety1$25.00$25.0011/19/2009 3:05:01 PM
payout-point$50.00$50.0011/19/2009 2:43:29 PM
ytjameslee$50.00$50.0011/19/2009 3:54:37 PM
Attract$25.00$25.0011/19/2009 12:43:56 PM
bchen78875$50.00$50.0011/19/2009 12:44:17 PM
julijask$25.00$25.0011/19/2009 3:51:54 PM
thedoctor$40.00$40.0011/19/2009 12:44:47 PM
flwah$44.61$44.6111/19/2009 4:04:35 PM
PatRichi$25.00$25.0011/19/2009 4:09:56 PM
888168$50.00$50.0011/19/2009 12:46:16 PM
Zarf$50.00$50.0011/19/2009 12:47:59 PM
Oakland$37.66$37.6611/19/2009 6:15:01 PM
mamayama$25.00$25.0011/19/2009 12:49:42 PM
honorable-yield$75.00$75.0011/19/2009 12:51:05 PM
fair-funds$25.00$25.0011/19/2009 12:51:25 PM
rakstar$50.00$50.0011/19/2009 12:51:56 PM
StrongMoney$25.00$25.0011/19/2009 6:14:33 PM
SNH$50.00$50.0011/19/2009 12:52:39 PM
morpholog$25.00$25.0011/19/2009 12:53:56 PM
Sid-K$25.00$25.0011/19/2009 12:55:09 PM
tolstoy00$25.00$25.0011/19/2009 12:55:25 PM
the-bright-velocity$50.00$50.0011/19/2009 12:57:22 PM
Cheburashka$30.00$30.0011/19/2009 1:03:27 PM
hellasow$25.00$25.0011/20/2009 1:08:45 AM
ike_bt$25.00$25.0011/19/2009 2:25:41 PM
BayShell$40.00$40.0011/19/2009 2:41:10 PM
GOPHERBOY$25.00$25.0011/19/2009 2:43:33 PM
the-profit-worker$25.00$25.0011/19/2009 3:39:54 PM
neenerman$75.00$75.0011/20/2009 9:26:50 AM
worth-glider$25.00$25.0011/19/2009 4:45:09 PM
desertoasis$25.52$25.5211/19/2009 4:54:56 PM
LoveVA$97.00$97.0011/19/2009 7:14:08 PM
l1u9c9a9s$25.00$25.0011/20/2009 2:44:47 PM
outofoffice$50.00$50.0011/22/2009 3:11:17 PM
springpanda$25.00$25.0011/21/2009 1:59:20 PM
TakeCare$100.00$100.0011/19/2009 12:37:50 PM
repayment-chef$25.00$25.0011/19/2009 12:38:17 PM
sidney102$25.00$25.0011/19/2009 12:37:23 PM
lucrative-worth$25.00$25.0011/19/2009 12:37:42 PM
miked8303$25.00$25.0011/19/2009 12:37:54 PM
the_winning_ticket$35.00$35.0011/19/2009 12:40:24 PM
E_G$50.00$50.0011/19/2009 12:40:41 PM
BlindProphet$25.00$25.0011/19/2009 12:44:22 PM
GElender$50.00$50.0011/19/2009 12:45:07 PM
bonus-patriot$50.00$50.0011/19/2009 12:45:13 PM
orange-courageous-dedication$40.00$40.0011/19/2009 12:50:33 PM
magical-greenback$55.00$55.0011/19/2009 12:48:47 PM
Mr_Marcus$50.00$50.0011/19/2009 12:48:54 PM
trade-pragmatist$25.00$25.0011/19/2009 12:53:08 PM
MidLifeCrisis$25.00$25.0011/19/2009 12:53:18 PM
trade-doughnut5$25.00$25.0011/19/2009 12:49:29 PM
1fortheroad$25.00$25.0011/19/2009 12:53:37 PM
BankOfFrankFairness$50.00$50.0011/19/2009 12:49:51 PM
anton$50.00$50.0011/19/2009 12:54:29 PM
gethsemane4$25.00$25.0011/19/2009 12:50:04 PM
johannesfactotum$25.00$25.0011/19/2009 12:55:11 PM
elevated-platinum5$25.00$25.0011/19/2009 12:56:23 PM
blackstar$25.00$25.0011/19/2009 12:52:50 PM
verse99$25.00$25.0011/19/2009 12:53:15 PM
silktea$25.00$25.0011/19/2009 1:03:47 PM
liederhaus$50.00$50.0011/19/2009 12:54:04 PM
afotherg$25.00$25.0011/19/2009 12:54:09 PM
museic1$25.00$25.0011/19/2009 1:00:48 PM
ljay$25.00$25.0011/19/2009 12:34:30 PM
djh47a$25.00$25.0011/19/2009 2:40:33 PM
gizzywump$25.00$25.0011/19/2009 12:37:56 PM
hard-working-loot$25.00$25.0011/19/2009 12:38:03 PM
zoomdrm57$50.00$50.0011/19/2009 12:38:06 PM
MoneyU4IA$40.00$40.0011/19/2009 12:38:11 PM
timmytiger$25.00$25.0011/19/2009 2:58:11 PM
Cai8899$75.00$75.0011/19/2009 12:38:37 PM
elegant-bonus$50.00$50.0011/19/2009 2:40:57 PM
KiwiElf$30.00$30.0011/19/2009 2:41:03 PM
sharkm$25.00$25.0011/19/2009 12:40:32 PM
Dazz2061$25.00$25.0011/19/2009 3:01:32 PM
investment-tuba$25.00$25.0011/19/2009 3:29:59 PM
personal-lender$25.00$25.0011/19/2009 12:44:03 PM
Walkingcowboy$25.00$25.0011/19/2009 12:44:34 PM
justice-dna$35.00$35.0011/19/2009 12:44:43 PM
five-star-justice$36.00$36.0011/19/2009 12:45:18 PM
evnagelist$50.00$50.0011/19/2009 12:47:53 PM
newbietony$40.00$40.0011/19/2009 12:48:02 PM
Binan$25.00$25.0011/19/2009 5:59:33 PM
Prezotus$25.00$25.0011/19/2009 4:53:54 PM
kulender$25.00$25.0011/19/2009 12:49:33 PM
Klearwater_Pools$25.00$25.0011/19/2009 12:49:37 PM
crenen139$100.00$100.0011/19/2009 12:50:20 PM
best-decisive-peace$25.00$25.0011/19/2009 12:51:17 PM
gogmagog$100.00$82.7311/19/2009 6:20:01 PM
jmvingeorgia$25.00$25.0011/19/2009 12:52:57 PM
fdsguy$50.00$50.0011/19/2009 12:54:35 PM
Divot$25.00$25.0011/19/2009 12:55:52 PM
szetheli$100.00$100.0011/19/2009 12:56:16 PM
bedframe$25.00$25.0011/19/2009 12:57:24 PM
DadWarbucks$25.00$25.0011/19/2009 2:40:46 PM
JJS180$25.00$25.0011/19/2009 2:46:20 PM
DukSerduk$25.00$25.0011/19/2009 2:50:32 PM
blue-exuberant-economy$25.00$25.0011/19/2009 5:16:46 PM
serene-capital$25.00$25.0011/21/2009 1:52:15 AM
139 bids
 
Borrower Payment Dependent Notes Series 434124
This series of Notes was issued and sold upon the funding of the borrower loan #39726, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 10.25% Starting borrower rate/APR: 11.25% / 13.37% Starting monthly payment: $131.43
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $130.95
 
Auction yield range: 4.29% - 10.25% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1989 Debt/Income ratio: 19%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:12y 6m
Amount delinquent: $0 Revolving credit balance: $28,050 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Sadie-Bug 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
Pay off High Interest Credit Card
Purpose of loan:
This loan will be used to pay off a credit card that was unilaterally adjusted to an unreasonable rate.

My financial situation:
I am a good candidate for this loan because I have?had the same employer (Sprint Nextel) for twelve years.? My income is secure and my expenses are low relative to my income.? I would be happy to answer any questions?or provide further details.? Personal references are available.?

Monthly net income: $5,900

Monthly expenses: $
??Housing: $ 1160
??Insurance: $ 115
? Car expenses: $ 100 (Fuel Only, Car is?Paid Off)
??Utilities: $ 0 (Included In Housing)
??Phone, cable, internet: $ 35
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1055
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Based on your income and expenses, it looks like you could pay off this loan within two months. Can you explain why you need this loan? How long do you intend to keep it for? Thanks. - bestloanrate
A: My loan request is part of a comprehensive debt reduction plan to eliminate all $28,000+ of my debt. The request reflects an effort to reduce my overall weighted average interest rate and improve flexibility in payment terms. I am new to Prosper and I would re-finance a higher amount if the market would support it. I?m looking to pay off all my debt as soon as possible but the 36 mo terms gives me some flexibility as I pursue refinance opportunities for other portions of my debt obligations. (Nov-21-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
turbospeed$25.00$25.0011/19/2009 12:38:28 PM
Finspons$100.00$100.0011/19/2009 3:03:49 PM
hellasow$25.00$25.0011/20/2009 2:27:12 AM
GOPHERBOY$100.00$100.0011/20/2009 6:13:24 AM
Mav26$170.00$170.0011/20/2009 11:33:09 AM
Gr8rGood$25.00$25.0011/23/2009 12:36:58 PM
Jim33$25.00$25.0011/23/2009 6:03:34 PM
lazyeye$25.00$25.0011/24/2009 7:26:09 AM
roja$25.00$25.0011/24/2009 8:31:56 AM
money-prophesy$100.00$100.0011/24/2009 8:37:38 AM
brightest-useful-social$25.00$25.0011/24/2009 10:50:54 AM
wealth-pipeline$25.00$25.0011/24/2009 1:29:06 PM
fantasysports$25.00$25.0011/24/2009 10:52:55 PM
agbullet55443$100.00$100.0011/24/2009 8:07:10 PM
Alsatian$60.00$60.0011/25/2009 4:09:15 AM
KingCroesus$25.00$25.0011/25/2009 12:38:43 AM
patriot384$100.00$100.0011/24/2009 8:27:41 PM
myduck$75.00$75.0011/25/2009 5:53:12 AM
diversification-viking$100.00$100.0011/25/2009 11:52:02 AM
truth-smasher$25.00$25.0011/25/2009 1:04:35 PM
nalaari$50.21$50.2111/25/2009 1:21:24 PM
momentous-transaction8$100.00$100.0011/25/2009 12:23:27 PM
JCMC$25.00$25.0011/25/2009 3:48:56 PM
stemper$50.00$50.0011/25/2009 5:46:01 PM
bicyclist2270$25.00$25.0011/25/2009 5:53:35 PM
SV-AZ$25.00$25.0011/25/2009 8:20:56 PM
favorite-commerce$25.00$25.0011/25/2009 10:43:10 PM
PalmerTheEmbalmer$50.00$50.0011/26/2009 12:19:33 AM
wise382$33.89$33.8911/26/2009 7:05:38 AM
SNH$50.00$50.0011/26/2009 7:55:48 AM
JDLanier$25.00$25.0011/26/2009 8:34:33 AM
G-Love$400.00$400.0011/26/2009 9:01:19 AM
klemer$25.00$25.0011/26/2009 11:15:22 AM
innovator2$50.00$50.0011/26/2009 10:22:39 AM
patriot384$100.00$100.0011/26/2009 11:48:42 AM
truth-smasher$50.00$50.0011/26/2009 12:01:29 PM
Syzygy$25.00$25.0011/19/2009 12:56:53 PM
CallMeBen$25.00$25.0011/19/2009 12:38:31 PM
Cypher041$50.00$50.0011/20/2009 4:37:07 PM
availableloan$25.00$25.0011/20/2009 8:47:03 PM
lucrative-worth$100.00$100.0011/22/2009 9:03:22 AM
rpg$25.00$25.0011/22/2009 8:44:21 AM
forthright-money$100.00$100.0011/23/2009 9:55:31 AM
bomdel$25.00$25.0011/23/2009 5:19:28 PM
lendme2$100.00$100.0011/24/2009 5:36:55 PM
productive-currency3$25.00$25.0011/24/2009 6:27:18 PM
RPR$150.00$150.0011/25/2009 4:04:19 AM
Share-the-wealth$100.00$100.0011/25/2009 7:13:15 AM
income-fortress$200.00$80.9011/25/2009 6:07:03 AM
scarlet-velvet$25.00$25.0011/25/2009 10:38:30 AM
Sealion$50.00$50.0011/25/2009 1:41:13 PM
aztec$50.00$50.0011/25/2009 1:29:12 PM
gothampark$25.00$25.0011/25/2009 3:36:43 PM
PrinceValium$25.00$25.0011/25/2009 4:53:41 PM
ManhattanLender$25.00$25.0011/25/2009 4:13:50 PM
jdadverb$30.00$30.0011/25/2009 6:51:48 PM
Charmart$25.00$25.0011/26/2009 3:22:16 AM
wwwUniversal$25.00$25.0011/25/2009 9:14:46 PM
sisepuede$25.00$25.0011/25/2009 11:21:12 PM
jakespirit$25.00$25.0011/26/2009 1:48:04 AM
78$25.00$25.0011/26/2009 6:46:31 AM
aspareteam$25.00$25.0011/26/2009 9:59:10 AM
innovator2$95.86$95.8611/26/2009 10:20:17 AM
chrisjs15$25.00$25.0011/26/2009 8:18:37 AM
TakeCare$100.00$100.0011/26/2009 11:20:23 AM
jybank$25.00$25.0011/26/2009 11:29:38 AM
innovator2$70.86$70.8611/26/2009 10:21:50 AM
innovator2$83.28$83.2811/26/2009 10:20:57 AM
slgilligan$50.00$50.0011/26/2009 12:13:41 PM
income-pizza$50.00$50.0011/26/2009 11:28:05 AM
credit-coach118$25.00$25.0011/26/2009 12:26:43 PM
71 bids
 
Borrower Payment Dependent Notes Series 434196
This series of Notes was issued and sold upon the funding of the borrower loan #39698, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $162.69
Final lender yield: 16.70% Final borrower rate/APR: 17.70% / 19.91% Final monthly payment: $162.01
 
Auction yield range: 4.29% - 17.00% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 14.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Jul-1975 Debt/Income ratio: 12%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 32Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $226 Occupation: Professional
Public records last 12m / 10y: 2/ 5 Bankcard utilization: 9%Stated income:$50,000-$74,999
Delinquencies in last 7y: 22 Homeownership: No  
Inquiries last 6m: 1    
Screen name: new-truth-beast Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?complete paying off credit cards?

My financial situation:
I am a good candidate for this loan because?I have paid by debts down over 90% over the last 3 years and trying to?reestablish my credit to the high rating that I enjoyed for 25 plus years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you explain all the delinquencies past and present? - covinokm1
A: Yes,I was a partner in a failed business.The business was financed with bank debt and failed over 2 years ago.I have paid my part of the debt but guaranteed my partners debt which hasnt been paid in full but he has arranged a payoff with the bank.All of my debts are current and have been so since 2007. (Nov-26-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ROCKI9$50.00$50.0011/19/2009 12:32:49 PM
a8h8a8$25.00$25.0011/19/2009 12:33:57 PM
fairness-faire$25.00$25.0011/19/2009 12:33:24 PM
cfarther$25.00$25.0011/19/2009 12:36:23 PM
TSC$50.00$50.0011/19/2009 12:36:19 PM
WHEREISTHEMOON$50.00$50.0011/19/2009 12:37:01 PM
CallMeBen$25.00$25.0011/19/2009 12:38:31 PM
louisprima$26.31$26.3111/19/2009 1:03:44 PM
flyinhawaiian$50.00$50.0011/19/2009 12:32:36 PM
People-for-people$50.00$50.0011/19/2009 12:36:32 PM
enterprising-integrity$25.00$25.0011/19/2009 12:37:17 PM
rjleves$25.00$25.0011/19/2009 12:37:21 PM
Halos2002$49.52$49.5211/19/2009 3:45:12 PM
principal-mermaid$25.00$25.0011/20/2009 9:46:16 AM
responsibility-butterfly$25.00$25.0011/20/2009 4:10:16 PM
ryreesado$25.00$25.0011/21/2009 7:34:51 PM
keke2000$25.00$25.0011/21/2009 8:46:23 PM
productive-currency3$25.00$25.0011/21/2009 10:31:54 PM
dinero-elevator$50.00$50.0011/21/2009 5:02:28 AM
don'twannadance$50.00$50.0011/23/2009 10:09:24 AM
building_community$25.00$25.0011/21/2009 10:27:32 PM
don'twannadance$50.00$50.0011/23/2009 10:08:46 AM
lucrative-worth$50.00$50.0011/22/2009 8:59:40 AM
grnii78$100.00$100.0011/23/2009 10:34:33 AM
forthright-dedication$25.00$25.0011/23/2009 10:11:40 AM
b-rent$25.00$25.0011/23/2009 12:37:10 PM
money-prophesy$100.00$100.0011/24/2009 8:37:39 AM
buphigam$25.00$25.0011/24/2009 11:43:21 AM
Ven58$25.00$25.0011/24/2009 3:08:13 PM
patriot384$100.00$100.0011/24/2009 4:21:43 PM
PleaseNoDefaults$25.00$25.0011/24/2009 11:28:14 PM
brightest-useful-social$25.00$25.0011/24/2009 9:04:05 PM
income-fortress$200.00$200.0011/25/2009 6:07:03 AM
a-reasonable-return$25.00$25.0011/25/2009 11:43:05 AM
bomdel$25.00$25.0011/25/2009 11:57:42 AM
merlin981$29.41$29.4111/25/2009 11:12:25 AM
fantastic-dime$25.00$25.0011/25/2009 3:36:07 PM
goodhearted-basis4$25.00$25.0011/25/2009 4:26:11 PM
scarlet-velvet$25.00$25.0011/25/2009 6:45:04 PM
SV-AZ$50.00$50.0011/25/2009 8:25:54 PM
1traveler$25.00$25.0011/25/2009 11:32:19 PM
penny-surgeon$25.00$25.0011/26/2009 12:12:39 AM
jakespirit$43.16$43.1611/26/2009 1:50:06 AM
professional-finance$25.00$25.0011/26/2009 6:17:28 AM
leverage-monger$200.00$200.0011/26/2009 9:20:39 AM
Alwayssail$25.00$25.0011/26/2009 8:42:26 AM
steady-dime$100.00$100.0011/26/2009 12:27:06 PM
leverage-monger$200.00$200.0011/26/2009 12:23:13 PM
steady-dime$85.00$85.0011/26/2009 12:25:42 PM
cbz$25.00$25.0011/19/2009 12:37:03 PM
bdruss$25.00$25.0011/19/2009 12:44:55 PM
ekmendenhall$25.00$25.0011/19/2009 12:49:11 PM
vegaslender88$25.00$25.0011/19/2009 12:57:03 PM
Rattlehead$75.00$75.0011/19/2009 12:36:24 PM
SnE$25.00$25.0011/19/2009 12:36:34 PM
RadCad1$25.36$25.3611/19/2009 3:45:15 PM
credit-coach118$25.00$25.0011/20/2009 9:40:03 AM
Spizzo$25.00$25.0011/20/2009 11:05:42 AM
value-investor9$50.00$50.0011/20/2009 4:11:19 PM
bahamaman$35.11$35.1111/21/2009 2:39:55 PM
kginatl$25.00$25.0011/21/2009 10:19:40 PM
CommerciaLender$25.00$25.0011/22/2009 5:20:36 AM
well-mannered-income3$25.00$25.0011/21/2009 8:25:06 AM
rpg$50.00$50.0011/22/2009 8:43:13 AM
matthewa$25.00$25.0011/23/2009 12:11:32 PM
crippledcircus$51.70$51.7011/23/2009 11:56:49 AM
the-auction-lotus$25.00$25.0011/23/2009 12:22:13 PM
vtpilot00$50.00$50.0011/23/2009 5:18:42 PM
gtg810q$25.00$25.0011/23/2009 5:24:10 PM
ImaPutz$25.00$25.0011/23/2009 5:54:01 PM
blackbear$25.00$25.0011/23/2009 6:15:11 PM
sentry256$25.00$25.0011/23/2009 5:18:36 PM
alex189a$100.00$100.0011/24/2009 8:49:03 AM
telebear$50.00$50.0011/24/2009 9:51:26 AM
availableloan$25.00$25.0011/24/2009 11:56:40 AM
affluence-tulip$26.25$26.2511/24/2009 12:51:02 PM
ussugm$25.00$25.0011/24/2009 12:37:24 PM
dlg$25.52$25.5211/24/2009 8:17:14 PM
three-for-6$200.00$200.0011/24/2009 8:13:49 PM
night0wl$50.00$50.0011/25/2009 10:15:42 AM
minista$25.00$25.0011/25/2009 11:45:20 AM
Syzygy$25.00$25.0011/25/2009 12:07:19 PM
fulfilling-commitment$25.00$25.0011/25/2009 5:22:34 PM
caseattle$25.00$25.0011/25/2009 7:36:31 PM
People-for-people$50.00$50.0011/25/2009 8:29:02 PM
CERTIFIED$100.00$100.0011/26/2009 6:42:46 AM
wwwUniversal$25.00$25.0011/26/2009 7:32:26 AM
molomex$25.00$25.0011/26/2009 8:41:24 AM
CalCollegeFund19$75.00$75.0011/26/2009 8:42:01 AM
G-Love$200.00$200.0011/26/2009 9:05:07 AM
leverage-monger$200.00$200.0011/26/2009 12:23:57 PM
TakeCare$50.00$50.0011/26/2009 11:24:31 AM
steady-dime$100.00$27.6611/26/2009 12:28:07 PM
93 bids
 
Borrower Payment Dependent Notes Series 434204
This series of Notes was issued and sold upon the funding of the borrower loan #39748, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 21.17% Starting borrower rate/APR: 22.17% / 24.44% Starting monthly payment: $229.67
Final lender yield: 21.17% Final borrower rate/APR: 22.17% / 24.44% Final monthly payment: $229.67
 
Auction yield range: 8.29% - 21.17% Estimated loss impact: 7.00%  
Lender servicing fee: 1.00% Estimated return: 14.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: May-2004 Debt/Income ratio: 16%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 33 / 30Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:29y 11m
Amount delinquent: $0 Revolving credit balance: $37,004 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: ispoil Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
620-639 (Mar-2008)
 
Principal balance: $2,028.82 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Professional Requesting Loan
Purpose of loan:
Obtained a loan from Prosper a year ago and this is a great concept. This loan will be used to upgrade one bathroom and is needed at a reasonable rate. No defaults ever reported.??

My financial situation:
I am a good candidate for this loan because I am a CPA, a partner at a CPA firm.?I earn a solid income, have never missed any payment. I relocated to the US five years ago and as a result of relative short credit history my score is reasonable low. However, when you relocate to the US, you have no credit score, a short term credit history and as a result your score is low.???

Monthly net income: $12,000

Monthly expenses: $10,000
??Housing: $3,700
??Insurance: $600
??Car expenses: $600
??Utilities: $300
??Phone, cable, internet: $300
??Food, entertainment: $1000
??Clothing, household expenses $500
??Credit cards and other loans: $1000
??Other expenses: $2,600
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)
robot777$40.00$40.0011/20/2009 10:17:44 AM
reflective-rupee$50.00$50.0011/20/2009 10:35:07 AM
reflective-rupee$25.00$25.0011/20/2009 10:35:32 AM
JustMee$25.00$25.0011/20/2009 5:18:48 PM
festivecpl$25.00$25.0011/20/2009 8:04:24 PM
reflective-rupee$600.00$210.7411/21/2009 11:44:39 AM
CA_Lender$25.00$25.0011/21/2009 2:05:23 PM
Trakissta$100.00$100.0011/22/2009 5:28:50 PM
blackbear$25.00$25.0011/22/2009 6:40:33 PM
caseattle$25.00$25.0011/22/2009 8:55:48 AM
Bob450$50.00$50.0011/22/2009 11:18:47 PM
forthright-dedication$25.00$25.0011/23/2009 10:19:54 AM
Velocity_Lenders$50.00$50.0011/24/2009 9:53:57 AM
martinatime$25.00$25.0011/24/2009 3:58:10 PM
brother_tam$50.00$50.0011/24/2009 5:26:29 PM
well-mannered-income3$100.00$100.0011/25/2009 7:40:45 AM
wealth-pipeline$25.00$25.0011/25/2009 1:01:03 PM
Ven58$25.00$25.0011/25/2009 1:05:41 PM
well-mannered-income3$50.00$50.0011/25/2009 1:41:01 PM
Bank_Of_XL$50.00$50.0011/25/2009 5:13:45 PM
G-Love$200.00$200.0011/26/2009 9:09:56 AM
TakeCare$500.00$500.0011/26/2009 9:13:45 AM
well-mannered-income3$50.00$50.0011/26/2009 9:30:52 AM
loss-of-control$50.00$50.0011/26/2009 1:28:45 PM
sevenbridges$134.52$134.5211/26/2009 12:40:46 PM
jybank$25.00$25.0011/26/2009 1:09:42 PM
Flshedman$50.00$50.0011/26/2009 6:20:54 PM
reflective-rupee$175.00$175.0011/26/2009 7:49:25 PM
reflective-rupee$50.00$50.0011/26/2009 7:48:16 PM
reflective-rupee$50.00$50.0011/26/2009 7:48:57 PM
truth-smasher$25.00$25.0011/27/2009 5:54:11 AM
truth-smasher$100.00$100.0011/27/2009 6:21:17 AM
squarebob$50.00$50.0011/27/2009 7:04:35 AM
shrewd-income$100.00$100.0011/27/2009 7:42:53 AM
wwwUniversal$25.00$25.0011/27/2009 7:47:54 AM
truth-smasher$100.00$100.0011/27/2009 8:43:40 AM
Peterman$100.00$100.0011/27/2009 7:52:46 AM
leverage-monger$100.00$100.0011/27/2009 8:09:24 AM
jtc26$25.00$25.0011/27/2009 9:21:04 AM
exciting-fairness$200.00$200.0011/27/2009 9:27:08 AM
credit-missile$157.51$157.5111/27/2009 8:53:16 AM
goodhearted-basis4$25.00$25.0011/27/2009 9:37:17 AM
mercuriant$25.00$25.0011/27/2009 9:39:02 AM
innovator2$100.00$100.0011/27/2009 9:24:02 AM
outofoffice$53.28$53.2811/27/2009 10:07:45 AM
catalystcf$40.00$40.0011/27/2009 10:03:38 AM
FCandL$25.00$25.0011/27/2009 10:06:06 AM
Aberdeen$100.00$100.0011/20/2009 10:41:33 AM
People-for-people$50.00$50.0011/20/2009 5:01:16 PM
genuine-money3$50.00$50.0011/20/2009 11:03:11 AM
well-mannered-income3$25.00$25.0011/20/2009 5:02:39 PM
SFBank$200.00$200.0011/20/2009 7:10:35 PM
fortytwo$31.63$31.6311/21/2009 10:16:52 AM
well-mannered-income3$50.00$50.0011/22/2009 7:29:57 PM
reflective-rupee$60.00$60.0011/22/2009 8:34:44 PM
TakeCare$100.00$100.0011/22/2009 9:01:15 PM
tnjohnso$25.00$25.0011/23/2009 2:10:17 PM
well-mannered-income3$75.00$75.0011/23/2009 8:21:22 PM
felicity-daydream$25.00$25.0011/24/2009 9:13:44 AM
brightest-useful-social$25.00$25.0011/24/2009 10:52:02 AM
the-profit-oracle$25.00$25.0011/24/2009 11:34:55 AM
professional-finance$25.00$25.0011/24/2009 2:24:10 PM
Kissabledevil$50.00$50.0011/25/2009 8:03:44 AM
JCM_MN$35.00$35.0011/25/2009 7:17:45 PM
1traveler$25.00$25.0011/25/2009 11:38:04 PM
lender12345$25.00$25.0011/26/2009 9:06:55 AM
well-mannered-income3$75.00$75.0011/26/2009 7:10:00 AM
mlj0671$28.00$28.0011/26/2009 11:56:00 AM
hughro$100.00$100.0011/26/2009 2:29:12 PM
EretzCapital$29.37$29.3711/26/2009 12:57:29 PM
reflective-rupee$60.00$60.0011/26/2009 7:49:48 PM
balanced-community$25.00$25.0011/26/2009 6:36:03 PM
reflective-rupee$50.00$50.0011/26/2009 7:48:36 PM
reflective-rupee$50.00$50.0011/26/2009 7:47:49 PM
GInBaghdad$25.00$25.0011/26/2009 9:45:33 PM
well-mannered-income3$25.00$25.0011/27/2009 6:06:39 AM
Gobsek$25.00$25.0011/27/2009 6:34:21 AM
leverage-monger$100.00$100.0011/27/2009 7:56:14 AM
Skeptical-one$100.00$100.0011/27/2009 6:28:12 AM
MoneyForNothing$25.00$25.0011/27/2009 8:06:41 AM
versatilenyguy$100.00$100.0011/27/2009 8:55:57 AM
Leshan$75.00$75.0011/27/2009 9:02:11 AM
superb-social$50.00$50.0011/27/2009 9:10:22 AM
jtoms101$100.00$100.0011/27/2009 9:13:11 AM
Syzygy$25.00$25.0011/27/2009 9:32:30 AM
Chillito$93.12$93.1211/27/2009 9:33:22 AM
leverage-monger$100.00$100.0011/27/2009 9:02:36 AM
loss-of-control$50.00$50.0011/27/2009 9:51:45 AM
codyrun$25.00$25.0011/27/2009 10:04:57 AM
JauaFlash$26.83$26.8311/27/2009 9:57:09 AM
friendinmoney$100.00$100.0011/27/2009 10:06:51 AM
91 bids
 
Borrower Payment Dependent Notes Series 434212
This series of Notes was issued and sold upon the funding of the borrower loan #39766, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 23.79% Starting borrower rate/APR: 24.79% / 27.09% Starting monthly payment: $237.89
Final lender yield: 21.75% Final borrower rate/APR: 22.75% / 25.02% Final monthly payment: $231.48
 
Auction yield range: 8.29% - 23.79% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Mar-2002 Debt/Income ratio: 31%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $7,561 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: return-apple Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit card
Purpose of loan:
This loan will be used to? paying off my credit card

My financial situation:
I am a good candidate for this loan because?i will? monthly paymants in date,never late payment
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)
wildguy$50.00$50.0011/19/2009 12:31:48 PM
leverage-trident$25.00$25.0011/19/2009 12:32:12 PM
AF-Chief$25.00$25.0011/19/2009 12:32:48 PM
zone8$100.00$100.0011/19/2009 12:32:51 PM
well-mannered-income3$25.00$25.0011/19/2009 12:35:51 PM
4est$25.00$25.0011/19/2009 12:36:37 PM
honorable-yield$50.00$50.0011/19/2009 12:36:46 PM
Kreditorium$100.00$100.0011/19/2009 12:34:40 PM
brazilofmux$32.36$32.3611/19/2009 12:35:07 PM
Diamond_Jim$25.00$25.0011/19/2009 12:38:50 PM
reflective-rupee$25.00$25.0011/19/2009 12:37:08 PM
tallmon$25.00$25.0011/19/2009 12:39:16 PM
Havana21$50.00$50.0011/19/2009 12:39:33 PM
bonus-patriot$50.00$50.0011/19/2009 12:40:55 PM
miked8303$25.00$25.0011/19/2009 12:39:48 PM
Artist_Blue$25.00$25.0011/19/2009 12:41:06 PM
affluence-tycoon$25.00$25.0011/19/2009 12:40:00 PM
mikrolown$25.00$25.0011/19/2009 12:41:34 PM
justice-dna$25.00$25.0011/19/2009 12:41:58 PM
EnigmaNYC-29$25.00$25.0011/19/2009 12:42:03 PM
personal-lender$25.00$25.0011/19/2009 12:42:24 PM
tremendous-payment$25.00$25.0011/19/2009 12:40:50 PM
CASHGIRL$75.00$75.0011/19/2009 12:40:53 PM
brother_tam$50.00$50.0011/19/2009 12:41:14 PM
Cai8899$40.00$40.0011/19/2009 12:42:51 PM
sloan$25.00$25.0011/19/2009 12:41:23 PM
Heatguy$66.81$66.8111/19/2009 12:41:41 PM
payout-achievement$40.00$40.0011/19/2009 12:42:01 PM
agwosdof$50.00$50.0011/19/2009 12:43:46 PM
wise-extraordinary-loot$30.00$30.0011/19/2009 12:42:08 PM
reflective-rupee$25.00$25.0011/19/2009 12:55:02 PM
jybank$25.00$25.0011/19/2009 12:50:52 PM
sociallender$25.00$25.0011/19/2009 12:54:46 PM
People-for-people$50.00$50.0011/19/2009 12:54:50 PM
five-star-note$25.00$25.0011/19/2009 12:31:49 PM
KnightKSU$25.00$25.0011/19/2009 12:32:13 PM
skuba$25.00$25.0011/19/2009 12:33:03 PM
desertoasis$25.00$25.0011/19/2009 12:33:27 PM
lloyd_s$25.00$25.0011/19/2009 12:38:56 PM
dinero-mason$50.00$50.0011/19/2009 12:39:02 PM
Turtlebear44$25.00$25.0011/19/2009 12:39:29 PM
CarDealer3070$30.00$30.0011/19/2009 12:39:47 PM
sharkm$25.00$25.0011/19/2009 12:40:30 PM
E_G$30.00$30.0011/19/2009 12:40:36 PM
burgeoning-silver$25.00$25.0011/19/2009 12:40:44 PM
gracej$25.00$25.0011/19/2009 12:42:19 PM
yield-lion$25.00$25.0011/19/2009 12:42:43 PM
swoosh$25.00$25.0011/19/2009 12:42:46 PM
RetiredATC$25.00$25.0011/19/2009 12:42:49 PM
youqianderen$50.00$50.0011/19/2009 12:43:18 PM
Dunndeal4u$25.00$25.0011/19/2009 12:43:20 PM
ThomasCrown$30.00$30.0011/19/2009 12:43:25 PM
wayman$50.00$50.0011/19/2009 12:43:31 PM
dignified-finance$25.00$25.0011/19/2009 12:45:03 PM
lendme2$50.00$50.0011/19/2009 12:45:27 PM
Danno52000$25.00$25.0011/20/2009 7:00:16 PM
Syzygy$25.00$25.0011/20/2009 11:24:23 PM
GOPHERBOY$50.00$50.0011/20/2009 5:08:18 PM
kginatl$50.05$50.0511/21/2009 10:14:28 PM
newbietony$25.00$25.0011/22/2009 2:03:08 PM
stuy1998$30.00$30.0011/22/2009 8:50:34 AM
forthright-dedication$25.00$25.0011/23/2009 10:14:23 AM
aurorafinancial$50.00$50.0011/23/2009 12:11:44 PM
fostaman$25.00$25.0011/23/2009 2:10:15 PM
loss-of-control$50.00$50.0011/23/2009 6:48:17 PM
portfolio-turbine$25.00$25.0011/24/2009 5:34:13 PM
the-profit-oracle$25.00$25.0011/24/2009 5:39:55 PM
truth-smasher$25.00$25.0011/25/2009 5:09:37 AM
efficient-principal$25.00$25.0011/25/2009 9:22:57 AM
durability-colonel$50.00$50.0011/25/2009 2:29:36 PM
VikingLender$100.00$100.0011/25/2009 5:41:00 PM
caseattle$25.00$25.0011/25/2009 7:32:54 PM
thestartuplender$25.00$25.0011/25/2009 7:29:56 PM
thestartuplender$25.00$25.0011/25/2009 7:29:26 PM
serene-capital$25.00$25.0011/26/2009 1:14:09 AM
TakeCare$100.00$100.0011/26/2009 11:29:46 AM
bestloanrate$50.00$50.0011/26/2009 9:43:40 AM
Poohcho$25.00$25.0011/19/2009 12:32:11 PM
Scoote2912$25.00$25.0011/19/2009 12:32:18 PM
crazycool$25.00$25.0011/19/2009 12:32:56 PM
wise-spirited-nickel$50.00$50.0011/19/2009 12:33:10 PM
five-star-justice$36.00$36.0011/19/2009 12:33:22 PM
eighttone$25.00$25.0011/19/2009 12:32:04 PM
Matt555555$25.00$25.0011/19/2009 12:33:55 PM
gold-sushi$25.00$25.0011/19/2009 12:32:15 PM
Gibbyland$50.00$50.0011/19/2009 12:34:11 PM
Sefotonga$25.00$25.0011/19/2009 12:34:22 PM
booksleuth$50.00$50.0011/19/2009 12:33:00 PM
get30inc$25.00$25.0011/19/2009 12:33:51 PM
adventurous-capital$25.00$25.0011/19/2009 12:34:28 PM
lucrative-durability$25.00$25.0011/19/2009 12:34:58 PM
roto$25.00$25.0011/19/2009 12:37:29 PM
KiwiElf$25.00$25.0011/19/2009 12:35:10 PM
dedicated-diversification5$65.00$65.0011/19/2009 12:39:20 PM
gizzywump$25.00$25.0011/19/2009 12:39:55 PM
rmachi$25.00$25.0011/19/2009 12:39:57 PM
lend_to_you$50.00$50.0011/19/2009 12:40:07 PM
newbietony$25.00$25.0011/19/2009 12:40:27 PM
heroic-benefit$25.00$25.0011/19/2009 12:39:04 PM
charming-point$100.00$100.0011/19/2009 12:39:08 PM
treasure-bliss$50.00$50.0011/19/2009 12:39:28 PM
jazz619$25.00$25.0011/19/2009 12:41:22 PM
leodaguy$25.00$25.0011/19/2009 12:40:15 PM
currency-cigar4$25.00$25.0011/19/2009 12:41:46 PM
Lightlife$50.00$50.0011/19/2009 12:41:50 PM
SNH$50.00$50.0011/19/2009 12:42:28 PM
rolandweary$40.00$40.0011/19/2009 12:42:30 PM
techvet$25.00$25.0011/19/2009 12:43:02 PM
socialbanker$25.00$25.0011/19/2009 12:43:15 PM
credit-kahuna$100.00$100.0011/19/2009 12:41:55 PM
exact-justice$25.00$25.0011/19/2009 12:43:34 PM
kulender$25.00$25.0011/19/2009 12:42:13 PM
czar3$30.00$30.0011/19/2009 12:42:21 PM
bchen78875$25.00$25.0011/19/2009 12:42:55 PM
WalnutCreekguy$33.00$33.0011/19/2009 12:42:59 PM
chicco$80.00$80.0011/19/2009 12:43:04 PM
jeg3k$25.00$25.0011/19/2009 12:43:08 PM
Dutchhunter$25.00$25.0011/19/2009 12:43:28 PM
benefit-squirrel$30.00$30.0011/19/2009 12:43:37 PM
wiltonbound$25.00$25.0011/19/2009 12:43:44 PM
rob1971$25.00$14.7811/19/2009 12:45:34 PM
wwwUniversal$25.00$25.0011/19/2009 12:57:14 PM
ethicalhumanist$25.00$25.0011/19/2009 12:54:49 PM
a275ranger$25.00$25.0011/19/2009 12:32:13 PM
hard-working-loot$25.00$25.0011/19/2009 12:33:15 PM
interstellar$50.00$50.0011/19/2009 1:52:01 PM
Toastsr$25.00$25.0011/19/2009 12:34:09 PM
fortytwo$50.00$50.0011/19/2009 12:34:37 PM
steves73$25.00$25.0011/19/2009 12:36:43 PM
Weaverville$25.00$25.0011/19/2009 12:36:57 PM
SPB$25.00$25.0011/19/2009 12:37:24 PM
building_community$25.00$25.0011/19/2009 3:10:39 PM
slartibardfast$25.00$25.0011/19/2009 12:39:13 PM
spitzbergen$25.00$25.0011/19/2009 12:39:37 PM
jonn834$25.00$25.0011/19/2009 2:46:03 PM
biobulator$25.00$25.0011/19/2009 12:41:11 PM
truth-eclair$25.00$25.0011/19/2009 12:41:27 PM
value-pole$25.00$25.0011/19/2009 12:41:48 PM
museic1$50.00$50.0011/19/2009 12:42:33 PM
bonus-buddy2$35.00$35.0011/19/2009 12:42:36 PM
Clambake$50.00$50.0011/19/2009 12:42:40 PM
xstreamin$25.00$25.0011/19/2009 12:43:23 PM
andyb9$25.00$25.0011/19/2009 12:43:42 PM
hitsman$50.00$50.0011/19/2009 12:43:52 PM
shrewd-deal$25.00$25.0011/19/2009 12:44:45 PM
efficient-bid2$25.00$25.0011/19/2009 12:45:30 PM
Bank_Of_XL$50.00$50.0011/19/2009 5:30:08 PM
szetheli$125.00$125.0011/20/2009 8:23:58 AM
felicity-daydream$50.00$50.0011/20/2009 8:29:44 PM
unk1911$25.00$25.0011/22/2009 11:06:07 AM
cashhelp$25.00$25.0011/22/2009 12:09:40 PM
professional-finance$25.00$25.0011/21/2009 2:56:22 PM
pdude$40.00$40.0011/21/2009 6:24:50 PM
tnjohnso$25.00$25.0011/23/2009 12:41:50 PM
YoungSuccessLLC$25.00$25.0011/23/2009 9:30:08 AM
Peterman$50.00$50.0011/23/2009 12:08:54 PM
sociallender$25.00$25.0011/24/2009 3:21:19 AM
silvercertificate$25.00$25.0011/24/2009 11:45:07 AM
peb44$25.00$25.0011/25/2009 7:57:06 AM
YukonCornelius$25.00$25.0011/25/2009 4:00:45 PM
hidavehi$62.00$62.0011/25/2009 6:09:26 PM
unger$100.00$100.0011/25/2009 7:47:24 PM
grf1945$25.00$25.0011/25/2009 7:52:01 PM
rbgnr111$30.00$30.0011/25/2009 8:57:50 PM
leverage-monger$100.00$100.0011/26/2009 9:02:47 AM
credit-coach118$25.00$25.0011/26/2009 12:27:48 PM
166 bids
 
Borrower Payment Dependent Notes Series 434230
This series of Notes was issued and sold upon the funding of the borrower loan #39709, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $105.73
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $104.20
 
Auction yield range: 8.29% - 20.17% 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: Apr-1974 Debt/Income ratio: 17%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:33y 3m
Amount delinquent: $0 Revolving credit balance: $13,080 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: balance-sequoia Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Repairs & Christmas gifts
Purpose of loan:
This loan will be used to? repair my 1999 Pontiac Grand Am the needs some engine repair work and to pay down some credit card debt.

My financial situation:
I am a good candidate for this loan because? I've had a steady job at the same employer for over 33 years. My credit score should be pretty average with a few minor imperfections. I pay all my debts and have never filed bankruptcy.

Monthly net income: $ 2232.00

Monthly expenses: $ 1988.00
??Housing: $ 0
??Insurance: $ 248.00
??Car expenses: $ 110.00 ????
??Utilities: $ 265.00 ???? ???? ????
??Phone, cable, internet: $ 155.00 ??? ??
??Food, entertainment: $ 175.00
??Clothing, household expenses $ 200.00 ????
??Credit cards and other loans: $ 625.00
??Other expenses: $ 210.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your expenses are currently pretty close to your income. Please explain how you will afford another monthly expense? Thanks. - exciting-fairness
A: Some of the expenses such as entertainment and utilities will vary somewhat but I'm using the high-end figures just to be on the safe side. I also do DJing occasionally for weddings in the summer months but did not include that in my income figures since it's a self-employment income that varies also. (Nov-20-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$25.00$25.0011/19/2009 12:32:47 PM
skuba$25.00$25.0011/19/2009 12:33:04 PM
jonn834$25.00$25.0011/19/2009 12:31:19 PM
steves73$25.00$25.0011/19/2009 12:36:44 PM
Weaverville$25.00$25.0011/19/2009 12:36:57 PM
Diamond_Jim$25.00$25.0011/19/2009 12:38:55 PM
iolaire$25.00$25.0011/19/2009 12:38:49 PM
E_G$30.00$30.0011/19/2009 12:40:35 PM
lloyd_s$25.00$25.0011/19/2009 12:40:58 PM
Artist_Blue$25.00$25.0011/19/2009 12:41:07 PM
Heatguy$75.00$75.0011/19/2009 12:41:40 PM
credit-kahuna$100.00$100.0011/19/2009 12:41:54 PM
justice-dna$25.00$25.0011/19/2009 12:41:57 PM
tremendous-payment$25.00$25.0011/19/2009 12:40:49 PM
CASHGIRL$75.00$75.0011/19/2009 12:40:52 PM
miked8303$25.00$25.0011/19/2009 12:41:31 PM
Lightlife$50.00$50.0011/19/2009 12:41:49 PM
wise-extraordinary-loot$30.00$0.3911/19/2009 12:42:07 PM
jybank$25.00$25.0011/19/2009 12:50:53 PM
wwwUniversal$25.00$25.0011/19/2009 12:57:15 PM
booksleuth$50.00$50.0011/19/2009 12:33:00 PM
wise-spirited-nickel$50.00$50.0011/19/2009 12:33:09 PM
fortytwo$150.00$150.0011/19/2009 12:36:27 PM
robot777$40.00$40.0011/19/2009 12:38:34 PM
tallmon$25.00$25.0011/19/2009 12:40:04 PM
lend_to_you$50.00$50.0011/19/2009 12:40:06 PM
interstellar$50.00$50.0011/19/2009 1:52:04 PM
123pickme$25.00$25.0011/20/2009 7:24:17 AM
GCSS$25.00$25.0011/20/2009 8:04:34 AM
hellasow$25.00$25.0011/20/2009 2:26:09 AM
festivecpl$25.00$25.0011/20/2009 8:20:22 PM
caseattle$25.00$25.0011/21/2009 7:12:53 PM
aurorafinancial$50.00$50.0011/23/2009 12:11:45 PM
the-profit-oracle$25.00$25.0011/24/2009 11:34:25 AM
wuscjim$39.61$39.6111/26/2009 6:37:16 AM
GreenHill$25.00$25.0011/26/2009 11:03:19 AM
exciting-fairness$200.00$200.0011/26/2009 12:11:22 PM
Techne_Funds_LLC$25.00$25.0011/26/2009 10:43:13 AM
TakeCare$25.00$25.0011/26/2009 11:30:35 AM
hard-working-loot$25.00$25.0011/19/2009 12:33:14 PM
Sefotonga$25.00$25.0011/19/2009 12:34:20 PM
honorable-yield$50.00$50.0011/19/2009 12:36:47 PM
newbietony$25.00$25.0011/19/2009 12:40:27 PM
sharkm$25.00$25.0011/19/2009 12:40:29 PM
burgeoning-silver$25.00$25.0011/19/2009 12:40:43 PM
gold-sushi$25.00$25.0011/19/2009 12:41:02 PM
leodaguy$25.00$25.0011/19/2009 12:40:14 PM
charming-point$100.00$100.0011/19/2009 12:41:42 PM
value-pole$25.00$25.0011/19/2009 12:41:47 PM
rmachi$25.00$25.0011/19/2009 12:41:53 PM
biobulator$25.00$25.0011/19/2009 12:41:11 PM
mikrolown$25.00$25.0011/19/2009 12:41:33 PM
currency-cigar4$25.00$25.0011/19/2009 12:41:45 PM
CarDealer3070$25.00$25.0011/19/2009 12:42:06 PM
crazycool$25.00$25.0011/19/2009 12:32:57 PM
desertoasis$25.00$25.0011/19/2009 12:37:15 PM
roto$25.00$25.0011/19/2009 12:37:28 PM
brother_tam$50.00$50.0011/19/2009 12:41:14 PM
payout-achievement$40.00$40.0011/19/2009 12:42:01 PM
EnigmaNYC-29$25.00$25.0011/19/2009 12:42:03 PM
boredlv$25.00$25.0011/20/2009 9:05:21 AM
Bank_Of_XL$100.00$100.0011/19/2009 5:24:31 PM
newbietony$25.00$25.0011/22/2009 2:05:22 PM
Syzygy$25.00$25.0011/22/2009 8:57:24 AM
unk1911$25.00$25.0011/23/2009 9:54:19 AM
loss-of-control$25.00$25.0011/23/2009 6:55:34 PM
fantasysports$25.00$25.0011/24/2009 11:01:43 PM
jhjoe$25.00$25.0011/25/2009 11:59:19 AM
steady-dime$25.00$25.0011/25/2009 12:14:35 PM
unger$100.00$100.0011/25/2009 7:50:06 PM
G-Love$100.00$100.0011/26/2009 9:07:58 AM
credit-coach118$25.00$25.0011/26/2009 12:28:27 PM
72 bids
 
Borrower Payment Dependent Notes Series 434272
This series of Notes was issued and sold upon the funding of the borrower loan #39706, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
Final lender yield: 28.70% Final borrower rate/APR: 29.70% / 33.03% Final monthly payment: $50.74
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 20.67%  
Lender servicing fee: 1.00% Estimated return: 8.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1995 Debt/Income ratio: 7%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 54Length of status:7y 7m
Amount delinquent: $1,796 Revolving credit balance: $1,144 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: rchase14 Borrower's state: Florida Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 40 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,200.00< mo. late: 0 ( 0% )  
640-659 (Dec-2007)
640-659 (Nov-2007)
640-659 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 40  
Description
Car repairs needed ASAP
Purpose of loan: This loan will be used to?

Thank you Prosper community!!!?

?I have successfully paid off two loans in the past. This new loan will be used for car repairs. I need 4 new tires (2 needed ASAP). My car also needs a complete tune up as its been a long time since its had one. I am estimating that the cost will be around $800-900 but I am requesting at least $1,200 for a "just-in-case" buffer zone.

My financial situation: I am a good candidate for this loan because? I have average credit and work history for the last?7 years with the same company. Since I used two previous Prosper loans to help pay off debt, I have more monthly income available even with my wife no longer working and purchasing a home recently! Its awesome!

Monthly net income: $2,800 (after taxes)

Monthly expenses: $2,172
mortage: $717
Utilities: $ 225
car payment: none (car needing repairs is paid off)
car insurance: $155
phone, cable, internet: $240.00
credit card payments:$185.00 per month (2 different cards used for emergencies only, paying on time)
gas: $250 (monthly est)
groceries & lunch money: $400

money left over: $628

Any money from the $1,200 that is not used for car repairs will be used to help continue paying down debt.

Your help is greatly appreciated!

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 explain the delinquincies shown on your listing. Please answer publicly. Thanks. - tigercat
A: There were 2 delinquincies that are now paid off. I had to pay them off before I closed on my new home back in June 2009.I had an old loan from Beneficial that was settled in June. I also had an old loan from MBNA (now Bank of America) that was paid off through a collection agency. This was also paid off before I closed on my home. So currently, there are no delinquincies. Please let me know if I need to be more detailed. Thank you. (Nov-20-2009)
Q: Thanks for your response. I've placed a bid. Good luck with your listing. - tigercat
A: Thank you for your bid. (Nov-23-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SNH$50.00$50.0011/21/2009 9:28:45 AM
DirtyJackBoner$50.00$50.0011/21/2009 2:53:58 PM
boodo$60.94$60.9411/23/2009 12:25:23 PM
BAEVentures$25.00$25.0011/23/2009 6:06:21 PM
marwadi-62$100.00$100.0011/24/2009 3:52:14 PM
Aberdeen$300.00$300.0011/24/2009 5:22:47 PM
FarmersBank$25.00$25.0011/24/2009 5:27:33 PM
lender12345$25.00$25.0011/24/2009 5:29:37 PM
CoolPlexer$26.25$26.2511/24/2009 7:29:56 PM
carrinel$101.00$101.0011/25/2009 12:03:25 PM
VikingLender$100.00$58.7311/25/2009 5:24:42 PM
People-for-people$50.00$50.0011/25/2009 8:23:40 PM
tigercat$50.00$50.0011/26/2009 7:37:09 AM
eboomer2611$25.00$25.0011/26/2009 7:48:18 AM
TakeCare$50.00$50.0011/26/2009 11:32:06 AM
Bob450$50.00$50.0011/25/2009 12:05:05 PM
boodo$53.08$53.0811/25/2009 1:04:53 PM
GABC-1$50.00$50.0011/25/2009 1:32:57 PM
DonDiego$25.00$25.0011/25/2009 4:33:54 PM
kinetic-social$25.00$25.0011/25/2009 5:09:12 PM
20 bids
 
Borrower Payment Dependent Notes Series 434324
This series of Notes was issued and sold upon the funding of the borrower loan #39695, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 24.99% Starting borrower rate/APR: 25.99% / 29.24% Starting monthly payment: $48.34
Final lender yield: 14.49% Final borrower rate/APR: 15.49% / 18.54% Final monthly payment: $41.89
 
Auction yield range: 8.29% - 24.99% Estimated loss impact: 6.82%  
Lender servicing fee: 1.00% Estimated return: 7.67%  
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-1992 Debt/Income ratio: 3%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 8Length of status:7y 4m
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: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: kjbu13 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
640-659 (Jul-2008)
 
Principal balance: $760.10 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Bringing kitchen up to par
Purpose of loan:
This loan will be used to?bring my old kitchen up to a more modern standard.? The plan is to replace the counter tops and update the plumbing and fixtures.? We purchased this house from my grandparents in 2003.? It is a 80+ year-old home and we have been slowly updating it, doing much of the work ourselves where we can.? My other Prosper loan was used to update the bathroom, which turned out very nicely, thanks to the investors who funded me!
My financial situation:
My credit score has improved since my last loan with Prosper!
I am a good candidate for this loan because?I have steady employment with a solid insurance company.? I have been with them for 7.5 years.? I am working to rebuild my credit which is proving to be a challenge in today's credit-crunch.?

With my husband's income combined, we will have no problems repaying this loan.? I am keeping it small to ensure that finances remain manageable. I have one active loan with prosper currently that has a balance of just over $700.? I have never missed or been late on one single payment.? I had a Dq on my CR that has since been worked out, but the mark remains on file until???


Monthly net income:
$2700.00 (just me)
$2500.00 (my husband)
----------------------------------
$5100.00 combined

Monthly expenses: $
??Housing: $ 393.00 (I pay an additional $150.00 per month to accelerate my mortgage along with escrow for a total of $560.)
??Insurance: $ 140.00
??Car expenses: $ 444.00
??Utilities: $ 170 (electric) $ 85 (fuel)
??Phone, cable, internet: $ 136.00
??Food, entertainment: $ 400.00 (food for 3 kids!)
??Clothing, household expenses $ 200 misc. expenses for kids sports and music and other entertainment
??Credit cards and other loans: $ 41.00 (Prosper loan)
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: can you please tell me where the home is located? - Luie1177
A: West Pittsburg, PA, A small borough about 40 miles northwest of Pittsburgh. (Nov-24-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fiscal_family$25.00$25.0011/20/2009 2:10:51 PM
marwadi-62$50.00$50.0011/20/2009 3:37:05 PM
Delta-Kilo-7K$25.00$25.0011/23/2009 4:56:11 PM
adventure0$200.00$200.0011/23/2009 5:52:22 PM
golffish2$50.00$50.0011/24/2009 9:48:28 AM
impartial-deal$50.00$50.0011/24/2009 12:35:35 PM
Tizzo27$100.00$100.0011/24/2009 7:08:10 PM
indomart$25.00$25.0011/24/2009 11:41:24 PM
crdcteng$25.00$25.0011/25/2009 5:34:32 AM
loss-of-control$100.00$100.0011/25/2009 6:40:38 AM
JDL51$50.00$50.0011/25/2009 9:16:22 AM
JBG$50.00$50.0011/25/2009 8:33:31 AM
fatson43$38.78$38.7811/25/2009 9:05:32 AM
credit-coach118$25.00$25.0011/22/2009 9:43:24 AM
asset-goblin5$25.00$25.0011/23/2009 11:37:10 AM
Delta-Kilo-7K$39.51$39.5111/23/2009 4:58:02 PM
unger$100.00$12.8911/24/2009 12:47:20 PM
foxy-community$25.00$25.0011/24/2009 1:45:56 PM
lender12345$25.00$25.0011/24/2009 5:31:26 PM
Earn_money$25.61$25.6111/24/2009 5:11:16 PM
portfolio-turbine$25.00$25.0011/24/2009 7:51:39 PM
wealth-pipeline$25.00$25.0011/25/2009 6:49:02 AM
peaceful-farmer$50.00$50.0011/25/2009 7:07:55 AM
lendme2$28.21$28.2111/25/2009 7:07:13 AM
mrthatcher$50.00$50.0011/25/2009 7:41:16 AM
the-profit-oracle$25.00$25.0011/25/2009 9:36:20 AM
newbietony$30.00$30.0011/25/2009 9:47:50 AM
27 bids
 
Borrower Payment Dependent Notes Series 434416
This series of Notes was issued and sold upon the funding of the borrower loan #39784, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.73% Final monthly payment: $67.85
 
Auction yield range: 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: 5 First credit line: Nov-1993 Debt/Income ratio: 16%
Credit score: 640-659 (Oct-2009) Current / open credit lines: 5 / 6Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 31Length of status:6y 9m
Amount delinquent: $31,622 Revolving credit balance: $0 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 33 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: adinic1003 Borrower's state: Connecticut Borrower's group: FUTURE FINANCIAL FREEDOM 1
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: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,600.00< mo. late: 0 ( 0% )  
680-699 (Mar-2007)
680-699 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
MAKE MONEY ON ME!
Well this is my second go around with Prosper.? I had a loan?before and as you can see was always paid on time and in full- NEVER LATE.? What do I need the money for?? I got a bad deal on a vehicle that I purchased 2 years ago and want to finish paying it off so I can sell it.? I know my credit is not great?but?I never missed a payment with?my first?Prosper loan and paid it off early.? I also have a low debt-to-income ratio.

A little bit about myself:? I am married, no children and?home owner.? I have been an office manager for over 6 years and gross roughly $40K a year.??My husband is a computer System Analyst for the New York Stock Exchange (NYSE) in Greenwhich, CT and makes about $70K a year.??Together we make good money and can pay this loan with no problem.??

The?delinquencies showing on my?credit report are ones that I have settled and paid in full but I contacted the credit agencies and they said they could not take them off unless a certain amount of time passes.??I am never late on any of my bills.? I plan on paying this loan back in less than 1?year and as you can see with my previous Prosper loan I am true to my word (I paid it off much sooner than the terms allowed).? I can provide any financial information you need.? The following is a breakdown of my monthly finances:??

Mortgage=? $1,800.00
Credit cards total balance=? $2,500.00
Household, utilities=? $550.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.0011/20/2009 10:16:13 AM
wealth-pipeline$25.00$25.0011/23/2009 9:56:19 AM
unk1911$25.00$25.0011/23/2009 5:19:05 PM
JGuide$35.00$35.0011/23/2009 8:07:20 PM
TheAlchemist$33.33$33.3311/24/2009 8:21:17 AM
the-profit-oracle$25.00$25.0011/24/2009 5:43:04 PM
Aberdeen$300.00$300.0011/24/2009 5:28:33 PM
dorypro$25.00$25.0011/25/2009 5:34:53 AM
victorcab$50.00$14.9811/25/2009 10:24:43 PM
marwadi-62$25.00$25.0011/26/2009 7:28:25 AM
tornandfrayed$30.19$30.1911/26/2009 1:37:58 PM
loss-of-control$25.00$25.0011/26/2009 1:34:35 PM
hogtales$25.00$25.0011/26/2009 2:09:22 PM
Saving4Food$25.00$25.0011/26/2009 8:04:10 PM
Peterman$50.00$50.0011/27/2009 7:55:54 AM
Mikale360$25.00$25.0011/27/2009 8:14:56 AM
boodo$33.73$33.7311/27/2009 6:36:33 AM
hardworking-treasure$25.00$25.0011/27/2009 9:03:12 AM
quest0$26.97$26.9711/27/2009 9:11:39 AM
jtc26$29.66$29.6611/27/2009 9:22:35 AM
JauaFlash$26.85$26.8511/27/2009 9:59:21 AM
Bob450$25.00$25.0011/22/2009 9:34:59 PM
brother_tam$100.00$100.0011/22/2009 8:49:29 PM
SNH$50.00$50.0011/23/2009 5:22:36 PM
gold-gatherer9$25.00$25.0011/25/2009 2:29:16 PM
boodo$183.29$183.2911/26/2009 4:00:10 AM
lender12345$25.00$25.0011/26/2009 9:20:17 AM
Laxa$25.00$25.0011/26/2009 2:23:16 PM
p2p-gala$25.00$25.0011/26/2009 7:11:11 PM
reliable-vigilance$25.00$25.0011/26/2009 5:23:19 PM
just-trade0$36.00$36.0011/27/2009 9:23:44 AM
gold-cluster$100.00$100.0011/27/2009 8:59:13 AM
0403$25.00$25.0011/27/2009 10:15:19 AM
33 bids
 
Borrower Payment Dependent Notes Series 434464
This series of Notes was issued and sold upon the funding of the borrower loan #39769, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,600.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 21.82% Starting borrower rate/APR: 22.82% / 25.10% Starting monthly payment: $216.25
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $208.40
 
Auction yield range: 8.29% - 21.82% 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: Jul-1991 Debt/Income ratio: 15%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $15,396 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: velocity-socrates 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
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards, consolidate into one payment

My financial situation:
I am a good candidate for this loan because? I don't have any major bills other than the basics (rent, food, etc.)? I've had my job as an equities and derivatives trader since graduating college in 2007 and I'm a high performer within the company.? Also, despite my debt load, I have a very positive net worth backed by a 401k, Roth IRA, and liquid investment account.? I would rather service the debt than to have to access those funds, but it's there in case of an emergency.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 0
??Car expenses: $ 200
??Utilities: $?45
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $?50
??Credit cards and other loans: $?300
??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)
leodaguy$25.00$25.0011/20/2009 10:18:49 AM
burgeoning-silver$25.00$25.0011/20/2009 10:19:24 AM
tremendous-payment$25.00$25.0011/20/2009 10:19:38 AM
rmachi$25.00$25.0011/20/2009 10:20:45 AM
personal-lender$25.00$25.0011/20/2009 10:21:28 AM
RetiredATC$25.00$25.0011/20/2009 10:22:12 AM
newbietony$25.00$25.0011/20/2009 10:19:02 AM
techvet$25.00$25.0011/20/2009 10:22:32 AM
youqianderen$50.00$50.0011/20/2009 10:22:51 AM
Dutchhunter$25.00$25.0011/20/2009 10:23:04 AM
miked8303$25.00$25.0011/20/2009 10:20:17 AM
EnigmaNYC-29$25.00$25.0011/20/2009 10:20:59 AM
museic1$50.00$50.0011/20/2009 10:21:44 AM
bonus-patriot$50.00$50.0011/20/2009 10:25:32 AM
bchen78875$25.00$25.0011/20/2009 10:22:23 AM
xstreamin$25.00$25.0011/20/2009 10:22:56 AM
andyb9$25.00$25.0011/20/2009 10:23:17 AM
don8ter$25.00$25.0011/20/2009 10:29:06 AM
gethsemane4$25.00$25.0011/20/2009 10:30:05 AM
thestartuplender$35.00$35.0011/20/2009 10:30:11 AM
VBAces$50.00$50.0011/20/2009 10:26:20 AM
Cheburashka$25.00$25.0011/20/2009 10:31:18 AM
efficient-bid2$25.00$25.0011/20/2009 10:27:24 AM
silver-armada$100.00$100.0011/20/2009 10:28:04 AM
angelinvestor01$25.00$25.0011/20/2009 10:31:59 AM
asiaratt$50.00$50.0011/20/2009 10:28:17 AM
Speculator$25.00$25.0011/20/2009 10:28:56 AM
trustu$25.00$25.0011/20/2009 10:32:14 AM
jybank$25.00$25.0011/20/2009 10:40:57 AM
tallmon$25.00$25.0011/20/2009 10:18:35 AM
sharkm$25.00$25.0011/20/2009 10:19:09 AM
CASHGIRL$25.00$25.0011/20/2009 10:19:42 AM
charming-point$100.00$100.0011/20/2009 10:20:24 AM
Lightlife$50.00$50.0011/20/2009 10:20:40 AM
justice-dna$25.00$25.0011/20/2009 10:20:52 AM
payout-achievement$40.00$40.0011/20/2009 10:20:55 AM
CarDealer3070$25.00$25.0011/20/2009 10:21:04 AM
wise-extraordinary-loot$30.00$30.0011/20/2009 10:21:12 AM
Havana21$50.00$50.0011/20/2009 10:21:17 AM
SNH$50.00$50.0011/20/2009 10:21:33 AM
rolandweary$40.00$40.0011/20/2009 10:21:37 AM
wiltonbound$25.00$25.0011/20/2009 10:23:23 AM
agwosdof$50.00$50.0011/20/2009 10:23:27 AM
enthusiastic-balance5$100.00$100.0011/20/2009 10:26:23 AM
ekn_enterprises$25.00$25.0011/20/2009 10:27:29 AM
mamayama$25.00$25.0011/20/2009 10:29:28 AM
vkorichkov$30.00$30.0011/20/2009 10:29:35 AM
Kansas$25.00$25.0011/20/2009 10:30:22 AM
orange-courageous-dedication$30.00$30.0011/20/2009 10:30:35 AM
melodious-fairness$25.00$25.0011/20/2009 10:30:57 AM
Hogpilot$25.00$25.0011/20/2009 10:31:55 AM
loan_doctor$25.00$25.0011/20/2009 10:57:35 AM
zento$25.00$25.0011/21/2009 11:05:52 AM
wwwUniversal$25.00$25.0011/23/2009 3:42:53 PM
Bob450$50.00$50.0011/22/2009 9:18:07 PM
the-profit-oracle$25.00$25.0011/24/2009 11:35:44 AM
impartial-deal$25.00$25.0011/24/2009 12:17:43 PM
professional-finance$25.00$25.0011/24/2009 2:25:18 PM
BankofRon$25.00$25.0011/24/2009 2:36:35 PM
unk1911$25.00$25.0011/24/2009 5:20:19 PM
aurorafinancial$33.76$33.7611/24/2009 5:20:48 PM
cashasaurus0$100.00$100.0011/25/2009 6:11:50 AM
wowlender$25.00$25.0011/25/2009 6:02:04 AM
durability-colonel$50.00$50.0011/26/2009 1:16:09 PM
fiserve4u$50.00$50.0011/26/2009 7:31:39 PM
rubylender$25.00$25.0011/26/2009 7:54:32 PM
billybragg$25.00$25.0011/26/2009 11:37:58 PM
squarebob$50.00$50.0011/27/2009 7:19:15 AM
rockhound84$25.00$25.0011/27/2009 8:56:37 AM
AF-Chief$25.00$25.0011/27/2009 8:01:29 AM
outofoffice$50.00$50.0011/27/2009 10:08:52 AM
goodhearted-basis4$25.00$25.0011/27/2009 9:41:06 AM
E_G$30.00$30.0011/20/2009 10:19:16 AM
iolaire$25.00$25.0011/20/2009 10:18:01 AM
Clambake$50.00$50.0011/20/2009 10:21:53 AM
yield-lion$25.00$25.0011/20/2009 10:21:58 AM
chicco$80.00$80.0011/20/2009 10:22:36 AM
socialbanker$25.00$25.0011/20/2009 10:22:45 AM
transaction-axis$25.00$25.0011/20/2009 10:19:33 AM
gold-sushi$25.00$25.0011/20/2009 10:19:49 AM
Artist_Blue$25.00$25.0011/20/2009 10:19:53 AM
value-pole$25.00$25.0011/20/2009 10:20:32 AM
shrewd-deal$25.00$25.0011/20/2009 10:24:41 AM
swoosh$25.00$25.0011/20/2009 10:22:07 AM
five-star-justice$36.00$36.0011/20/2009 10:25:40 AM
ThomasCrown$30.00$30.0011/20/2009 10:22:59 AM
syounker$25.00$25.0011/20/2009 10:26:43 AM
ryelk$25.00$25.0011/20/2009 10:26:54 AM
the-money-gargantuan$25.00$25.0011/20/2009 10:27:58 AM
dignified-finance$25.00$25.0011/20/2009 10:25:15 AM
ljay$25.00$25.0011/20/2009 10:29:47 AM
wrighco$25.00$25.0011/20/2009 10:26:17 AM
harperpotok$100.00$100.0011/20/2009 10:26:36 AM
steady-gain5$25.00$25.0011/20/2009 10:28:00 AM
digitalrinaldo$25.00$25.0011/20/2009 10:28:12 AM
Macinvest$25.00$25.0011/20/2009 10:30:40 AM
Syzygy$25.00$2.2411/20/2009 10:32:20 AM
mtp$50.00$50.0011/20/2009 10:57:31 AM
cash-boots$25.00$25.0011/20/2009 10:16:29 AM
Diamond_Jim$25.00$25.0011/20/2009 10:18:06 AM
lloyd_s$25.00$25.0011/20/2009 10:19:45 AM
biobulator$25.00$25.0011/20/2009 10:19:57 AM
brother_tam$50.00$50.0011/20/2009 10:20:05 AM
mikrolown$25.00$25.0011/20/2009 10:20:20 AM
credit-kahuna$100.00$100.0011/20/2009 10:20:48 AM
czar3$30.00$30.0011/20/2009 10:21:23 AM
bonus-buddy2$35.00$35.0011/20/2009 10:21:48 AM
Cai8899$40.00$40.0011/20/2009 10:22:14 AM
WalnutCreekguy$33.00$33.0011/20/2009 10:22:28 AM
jeg3k$25.00$25.0011/20/2009 10:22:41 AM
wayman$50.00$50.0011/20/2009 10:23:07 AM
exact-justice$25.00$25.0011/20/2009 10:23:10 AM
benefit-squirrel$30.00$30.0011/20/2009 10:23:14 AM
hitsman$50.00$50.0011/20/2009 10:23:36 AM
lendme2$50.00$50.0011/20/2009 10:25:57 AM
Banker7371$25.00$25.0011/20/2009 10:26:09 AM
slartibardfast$25.00$25.0011/20/2009 10:26:14 AM
MoneyU4IA$25.00$25.0011/20/2009 10:26:26 AM
hyetech$35.00$35.0011/20/2009 10:27:54 AM
crenen139$50.00$50.0011/20/2009 10:30:14 AM
TheGrayFox$25.00$25.0011/20/2009 10:30:50 AM
Buffer10$100.00$100.0011/20/2009 10:31:06 AM
JohnW12$25.00$25.0011/20/2009 10:31:21 AM
fair-funds$25.00$25.0011/20/2009 10:31:30 AM
Steveoo1$25.00$25.0011/20/2009 10:31:38 AM
HAVEANICEDAY$25.00$25.0011/20/2009 10:31:48 AM
felicity-daydream$50.00$50.0011/20/2009 8:31:49 PM
Bank_Of_XL$50.00$50.0011/20/2009 7:07:19 PM
jonn834$25.00$25.0011/23/2009 11:10:23 AM
interstellar$50.00$50.0011/23/2009 3:21:06 PM
loss-of-control$100.00$100.0011/23/2009 6:59:48 PM
GOPHERBOY$150.00$150.0011/23/2009 6:37:40 PM
Sol_Invictus$25.00$25.0011/24/2009 12:28:11 PM
fantasysports$25.00$25.0011/24/2009 11:03:16 PM
Share-the-wealth$100.00$100.0011/25/2009 7:19:14 AM
KTOWN$30.00$30.0011/26/2009 12:45:33 AM
G-Love$200.00$200.0011/26/2009 9:11:14 AM
loss-of-control$50.00$50.0011/26/2009 1:36:47 PM
vivacious-p2p3$25.00$25.0011/26/2009 5:31:19 PM
Skiph$25.00$25.0011/26/2009 8:58:28 PM
payout-reaction740$25.00$25.0011/26/2009 8:23:14 PM
ddoneday$25.00$25.0011/26/2009 10:14:00 PM
wealth-pipeline$25.00$25.0011/27/2009 7:26:57 AM
Leshan$50.00$50.0011/27/2009 9:04:05 AM
exciting-fairness$200.00$200.0011/27/2009 9:34:10 AM
145 bids
 
Borrower Payment Dependent Notes Series 434468
This series of Notes was issued and sold upon the funding of the borrower loan #39713, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 17.29% Starting borrower rate/APR: 18.29% / 20.50% Starting monthly payment: $181.49
Final lender yield: 17.29% Final borrower rate/APR: 18.29% / 20.50% Final monthly payment: $181.49
 
Auction yield range: 17.29% - 17.29% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.16%  
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: 1 First credit line: Jun-2001 Debt/Income ratio: 27%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 14Length of status:8y 1m
Amount delinquent: $269 Revolving credit balance: $4,456 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: CPL676 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 29 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
700-719 (Sep-2009)
680-699 (Aug-2008)
580-599 (May-2007)
 
Principal balance: $3,159.77 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
PAY MEDICAL BILLS
Purpose of loan: I am currently in desperate need of help. Usually?I am the one helping others that is what I?have dedicated my life to. I am a United States Army Veteran of 6 years serving in Operation Iraqi Freedom, Operation Enduring Freedom, and Operation Noble Eagle. I was honorably discharged twice from active duty and was highly decorated. When I was 18 I started working at the Local Sheriff's Office as a Communications Officer (911 dispatcher), joined the National Guard as a Military Police Officer, and joined the local Fire Department. If funded this loan will assist me in paying off multiple medical bills from a very sick wife that had surgery the beginning of this year and just had two more recently, a propane bill which needs to be paid before the old weather actually starts. I do have health insurance and they have covered their portion but there were co-pays that have to be paid. Her first sugery was over?$22,000 and the second and third were over?$5,000. These amounts were the total cost. I owe close to $2600 that will cover?my portion since she is on my insurance. I have been making payments and I am current with these bills.?My credit score is?getting better. I have been working very hard to clean it up, and ensure every financial obligation is taken care of without default. I currently own a new home on a three year land contract and want to do everything I can to ensure my credit stays clean to ensure I get a good rate on my home loan. Every financial obligation will be met on time.

My financial situation: I am a very responsible person with a great understanding of what obligations are. I have a full time secure job with a steady income.

Monthly net income: $ 2000.00

Monthly expenses:????

Housing: $ 300.00???
Insurance: $ 55.00??
Car expenses: $ 269.83??
Utilities: $60.00??
Phone, cable, internet:?$0.00?
Food, entertainment: $ 100.00??
Clothing, household expenses $ 0.00??
Credit cards and other loans: $ 20.00
Other expenses: $ 0.00?

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CASHCOWBOY$5,000.00$5,000.0011/23/2009 4:21:39 PM
1 bids
 
Borrower Payment Dependent Notes Series 434470
This series of Notes was issued and sold upon the funding of the borrower loan #39733, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 11.95% Starting borrower rate/APR: 12.95% / 15.09% Starting monthly payment: $151.51
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $146.05
 
Auction yield range: 4.29% - 11.95% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1996 Debt/Income ratio: 5%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 16 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:22y 7m
Amount delinquent: $0 Revolving credit balance: $14,513 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: n3tel Borrower's state: Maryland Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation for better rate.
Purpose of loan:
This loan will be used to pay off the last of my high rate credit cards.? I have paid off 2 high rate cards this year, and my goal is to lower the rate on the last one.? I will be paying down the highest rate account first.??I want to build up my credit score on prosper, as well as in my national credit files.? Based on my high income, and low expenses, I expect that this rate will be one of my lowest rate accounts, and that I will repay this prosper loan?last.??? You can see from my history that I pay ALL my debts, EVERY time!? I'm working hard to improve my credit score!

My financial situation:
I am a good candidate for this loan because I always pay my bills, my debts, and my obligations.? According to Equifax, I had the following 30 day lates: Two in 2004, one in 2005, one in 2006, one in May 2009.? The one in May 2009 was from when I made a payment to the wrong account.? I double paid one account, and missed the payment on the other account.? I have no lates beyond 30 days.? I have no collections or judgements. My cash flow is fine, and I am putting all my excess cash into the credit card with?the highest rate first. It will also be easier to keep track of one payment per month instead of my present 4 payments.??
One credit card is used for all my recurring bills, phone, internet, insurance, etc.? I pay that card off each?month so I don't pay interest on it.?
My?vehicle (a 2007 model)?is paid off, is under warranty, and?is in great shape, so I won't be incurring any repair bills.
I have no large purchase in mind for the near or distant future.? I don't spend money on "toys."?
My main goal is one monthly payment, and lower interest rate.????

Monthly finances:??
Net income (after taxes, 401K, health benefits, etc?)?? 6600
Spousal and child support 3600
Rent 900? (utilities are included)
Credit card payments (about) 1400 (minimums total about $300, but I am overpaying)
Insurance/Cell/Internet/Gasoline 200
Food/household 250
Misc 250??




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)
five-star-note$25.00$25.0011/20/2009 10:16:31 AM
miked8303$25.00$25.0011/20/2009 10:16:53 AM
antlr$25.00$25.0011/20/2009 10:17:02 AM
MoneyU4IA$40.00$40.0011/20/2009 10:17:15 AM
the_winning_ticket$35.00$35.0011/20/2009 10:18:55 AM
sharkm$25.00$25.0011/20/2009 10:19:11 AM
E_G$50.00$50.0011/20/2009 10:19:20 AM
turbospeed$25.00$25.0011/20/2009 10:17:39 AM
lloyd_s$25.00$25.0011/20/2009 10:17:56 AM
personal-lender$25.00$25.0011/20/2009 10:23:54 AM
Weaverville$25.00$25.0011/20/2009 10:24:00 AM
gracej$25.00$25.0011/20/2009 10:24:17 AM
Walkingcowboy$25.00$25.0011/20/2009 10:24:20 AM
trident9$50.00$50.0011/20/2009 10:24:23 AM
Attract$25.00$25.0011/20/2009 10:23:42 AM
trade-doughnut5$25.00$25.0011/20/2009 10:29:13 AM
Artist_Blue$25.00$25.0011/20/2009 10:31:34 AM
Mr_Marcus$50.00$50.0011/20/2009 10:28:38 AM
rangers94$25.00$25.0011/20/2009 10:51:16 AM
a-shiny-dime$25.00$25.0011/20/2009 10:58:43 AM
Syzygy$25.00$25.0011/20/2009 11:00:28 AM
Goodlender42$25.00$25.0011/20/2009 10:17:27 AM
Banker7371$25.00$25.0011/20/2009 10:17:34 AM
Cai8899$75.00$75.0011/20/2009 10:17:53 AM
cash-boots$30.00$30.0011/20/2009 10:18:31 AM
leodaguy$25.00$25.0011/20/2009 10:18:51 AM
a-responsible-return$25.00$25.0011/20/2009 10:23:48 AM
five-star-justice$36.00$36.0011/20/2009 10:25:49 AM
BankOfFrankFairness$50.00$50.0011/20/2009 10:29:52 AM
SwiDaddy$25.00$25.0011/20/2009 10:50:45 AM
GeoLender$25.00$25.0011/20/2009 7:52:41 PM
neenerman$25.00$25.0011/21/2009 9:29:11 AM
outofoffice$50.00$50.0011/22/2009 3:09:16 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:53 PM
SCD$25.00$25.0011/23/2009 6:06:41 PM
Russia5M$25.00$25.0011/24/2009 5:19:41 AM
the-profit-oracle$25.00$25.0011/24/2009 8:56:34 AM
RIVERBEND$42.00$42.0011/24/2009 3:41:59 PM
FundMaker$25.00$25.0011/24/2009 6:53:19 PM
e3oM$50.00$50.0011/24/2009 8:12:34 PM
fantasysports$25.00$25.0011/24/2009 10:55:52 PM
rockhound84$25.00$25.0011/25/2009 9:36:51 AM
RandyL3$34.65$34.6511/25/2009 5:18:25 PM
dreamhope$25.00$25.0011/25/2009 6:54:16 PM
grf1945$25.00$25.0011/25/2009 7:57:25 PM
balance-chestnut$25.00$25.0011/25/2009 8:44:31 PM
G-Love$300.00$300.0011/26/2009 9:11:59 AM
hellasow$30.00$30.0011/26/2009 11:50:41 AM
dood2112$25.00$25.0011/26/2009 1:49:16 PM
availableloan$25.00$25.0011/26/2009 12:44:21 PM
ddoneday$25.00$25.0011/26/2009 4:27:08 PM
oldman68$25.00$25.0011/26/2009 9:37:44 PM
sorace$50.00$50.0011/27/2009 7:18:34 AM
Mikale360$25.00$25.0011/27/2009 8:22:21 AM
catalystcf$25.00$25.0011/27/2009 10:07:41 AM
kf88$26.00$26.0011/27/2009 10:10:57 AM
friendinmoney$100.00$100.0011/27/2009 10:15:12 AM
dmk2006$25.00$25.0011/27/2009 10:15:31 AM
friendinmoney$100.00$100.0011/27/2009 10:13:58 AM
wrighco$25.00$25.0011/20/2009 10:16:37 AM
hard-working-loot$25.00$25.0011/20/2009 10:17:06 AM
lend_to_you$50.00$50.0011/20/2009 10:18:44 AM
burgeoning-silver$25.00$25.0011/20/2009 10:19:26 AM
TakeCare$100.00$100.0011/20/2009 10:16:50 AM
zoomdrm57$50.00$50.0011/20/2009 10:17:10 AM
bchen78875$50.00$50.0011/20/2009 10:24:07 AM
justice-dna$35.00$35.0011/20/2009 10:24:36 AM
bonus-patriot$50.00$50.0011/20/2009 10:25:26 AM
economy-balance$25.00$25.0011/20/2009 10:25:54 AM
evnagelist$50.00$50.0011/20/2009 10:27:33 AM
neighborly-hope6$100.00$100.0011/20/2009 10:24:29 AM
thedoctor$40.00$40.0011/20/2009 10:24:45 AM
rmachi$25.00$25.0011/20/2009 10:24:48 AM
GElender$50.00$50.0011/20/2009 10:25:22 AM
crenen139$100.00$100.0011/20/2009 10:30:19 AM
888168$50.00$50.0011/20/2009 10:26:32 AM
honorable-yield$75.00$75.0011/20/2009 10:31:00 AM
best-decisive-peace$25.00$25.0011/20/2009 10:31:12 AM
Havana21$50.00$50.0011/20/2009 10:27:47 AM
Steveoo1$50.00$42.5011/20/2009 10:31:40 AM
AF-Chief$35.00$35.0011/20/2009 10:28:20 AM
mikeandcat$50.00$50.0011/20/2009 10:28:44 AM
gethsemane4$25.00$25.0011/20/2009 10:30:01 AM
orange-courageous-dedication$40.00$40.0011/20/2009 10:30:28 AM
fair-funds$25.00$25.0011/20/2009 10:31:25 AM
lucrative-worth$25.00$25.0011/20/2009 10:16:45 AM
gizzywump$25.00$25.0011/20/2009 10:16:57 AM
repayment-chef$25.00$25.0011/20/2009 10:17:21 AM
BlindProphet$25.00$25.0011/20/2009 10:24:12 AM
newbietony$40.00$40.0011/20/2009 10:27:38 AM
magical-greenback$55.00$55.0011/20/2009 10:28:28 AM
kulender$25.00$25.0011/20/2009 10:29:17 AM
Klearwater_Pools$25.00$25.0011/20/2009 10:29:22 AM
JCMC$25.00$25.0011/20/2009 4:10:24 PM
GeoLender$25.00$25.0011/20/2009 7:51:53 PM
GABC-1$50.00$50.0011/21/2009 7:07:49 AM
Finspons$50.00$50.0011/22/2009 9:19:32 PM
unk1911$25.00$25.0011/23/2009 10:34:30 AM
loss-of-control$100.00$100.0011/23/2009 5:51:55 PM
lasalsa03$25.00$25.0011/23/2009 5:37:29 PM
impartial-deal$50.00$50.0011/24/2009 12:13:32 PM
patriot384$100.00$100.0011/24/2009 8:29:06 PM
RiskAdverse$25.00$25.0011/25/2009 10:39:33 AM
JDLanier$25.00$25.0011/26/2009 8:38:12 AM
cwb8539$25.00$25.0011/26/2009 8:50:44 PM
Charmart$25.00$25.0011/27/2009 3:59:13 AM
olin5$25.00$25.0011/27/2009 6:35:44 AM
rate-hickory$25.00$25.0011/27/2009 8:26:54 AM
hardworking-treasure$25.00$25.0011/27/2009 8:58:25 AM
ryan6853$25.00$25.0011/27/2009 9:03:51 AM
Leshan$50.00$50.0011/27/2009 9:12:31 AM
Streamfeeder$50.00$50.0011/27/2009 9:37:53 AM
jtoms101$50.00$50.0011/27/2009 9:16:14 AM
evamkir$38.85$38.8511/27/2009 9:42:08 AM
114 bids
 
Borrower Payment Dependent Notes Series 434476
This series of Notes was issued and sold upon the funding of the borrower loan #39722, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $228.97
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $227.19
 
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: 9 First credit line: Aug-1989 Debt/Income ratio: 18%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $11,639 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: self-reliant-reward Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Startup Funds to Start My Own Firm

This loan will be used to start my own law firm.

My financial situation: I am the primary breadwinner for my family. I earned $250,000 (salary plus bonus) last year and will likely earn a bonus at the end of this year. I have some credit card debt and some student loan debt and my savings is locked up in retirement accounts.
I am a good candidate for this loan because I have a substantial client base and have always had success in attracting clients. I want to start my own firm that will utilize technology to operate with significantly lower overhead. The goal is to increase value for clients, give me more time with my family, and produce more income. I am listed in Best Lawyers and AV rated. While my current firm is hard hit, I have a niche practice that is relatively unscathed by the poor economy and I expect the majority of my clients to follow me to my new firm.
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: First, what kind of advances in technology are you looking to implement in order to radically reduce overhead? Second, you mentioned that you have a niche market, what exactly is your market? - genuine-money3
A: I represent large tax-exempt organizations including hospitals and large foundations. I will use a virtual product that coordinates and integrates most of the expensive separate software functions I use now. I will no longer have to chase down billis, contacts, documents. They will all be scanned and linked online. The product will be backed up, updated and maintained by the service provider, saving me significant money, IT costs, and administrative time. (Nov-20-2009)
Q: Please provide your take home pay and list of all monthly expenses. Also with such a great income, why can't you just use free cash flow instead of this loan? - exciting-fairness
A: I am using extra cash flow in addition to this loan. As a partner, my pay is subject to a holdback that is paid at year end. My monthly take home right now is $9,596 after all taxes, insurance,etc. My monthly expenses include student loan payments, two car payments, mortgage, & private school. I will get a significant payment at the end of the year that will cover living expenses in the early months while work is being put on the books. I need the loan to open the business on January 1. (Nov-21-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lucrative-worth$25.00$25.0011/20/2009 10:16:45 AM
repayment-chef$25.00$25.0011/20/2009 10:17:20 AM
Banker7371$25.00$25.0011/20/2009 10:17:34 AM
lloyd_s$25.00$25.0011/20/2009 10:17:55 AM
miked8303$25.00$25.0011/20/2009 10:16:52 AM
leodaguy$25.00$25.0011/20/2009 10:18:51 AM
Attract$25.00$25.0011/20/2009 10:23:41 AM
GElender$50.00$50.0011/20/2009 10:25:23 AM
bchen78875$50.00$50.0011/20/2009 10:24:08 AM
evnagelist$50.00$50.0011/20/2009 10:27:32 AM
Mr_Marcus$50.00$50.0011/20/2009 10:28:38 AM
thedoctor$40.00$40.0011/20/2009 10:24:45 AM
bonus-patriot$50.00$50.0011/20/2009 10:25:24 AM
BankOfFrankFairness$50.00$50.0011/20/2009 10:29:52 AM
gethsemane4$25.00$25.0011/20/2009 10:30:01 AM
888168$50.00$50.0011/20/2009 10:26:33 AM
Havana21$50.00$50.0011/20/2009 10:27:43 AM
Steveoo1$50.00$50.0011/20/2009 10:31:39 AM
vegaslender88$25.00$25.0011/20/2009 10:33:08 AM
trade-pragmatist$25.00$25.0011/20/2009 10:33:27 AM
Klearwater_Pools$25.00$25.0011/20/2009 10:29:21 AM
crenen139$100.00$100.0011/20/2009 10:30:20 AM
orange-courageous-dedication$40.00$40.0011/20/2009 10:30:26 AM
fair-funds$25.00$25.0011/20/2009 10:31:25 AM
Divot$25.00$25.0011/20/2009 10:35:52 AM
thestartuplender$50.00$50.0011/20/2009 10:36:06 AM
jmvingeorgia$25.00$25.0011/20/2009 10:33:15 AM
brandilton$25.00$25.0011/20/2009 10:37:52 AM
pleasant-basis$25.00$25.0011/20/2009 10:33:24 AM
1fortheroad$25.00$25.0011/20/2009 10:34:01 AM
open-minded-finance1$25.00$25.0011/20/2009 10:34:06 AM
amit_gu$50.00$50.0011/20/2009 10:34:27 AM
anton$50.00$50.0011/20/2009 10:34:46 AM
GOPHERBOY$65.00$65.0011/20/2009 10:39:49 AM
Skiph$25.00$25.0011/20/2009 10:36:23 AM
payout-optimizer$25.00$25.0011/20/2009 10:41:48 AM
wise-cash-keeper$50.00$50.0011/20/2009 10:41:50 AM
Gadgetae86$25.00$25.0011/20/2009 10:41:54 AM
credit-investor5$100.00$100.0011/20/2009 10:42:14 AM
silktea$25.00$25.0011/20/2009 10:37:23 AM
well-rounded-market$25.00$25.0011/20/2009 10:43:42 AM
Velocity_Lenders$100.00$100.0011/20/2009 10:43:59 AM
Railbird$25.00$25.0011/20/2009 10:44:09 AM
payout-point$100.00$100.0011/20/2009 10:39:47 AM
ytjameslee$50.00$50.0011/20/2009 10:40:27 AM
desertoasis$25.00$25.0011/20/2009 10:41:02 AM
StrongMoney$25.00$25.0011/20/2009 10:41:24 AM
gauss02$25.00$25.0011/20/2009 10:53:57 AM
winter-vigilance$25.00$25.0011/20/2009 10:42:11 AM
Georgia_Boy$25.00$25.0011/20/2009 10:42:45 AM
lowcostmoney$25.00$25.0011/20/2009 10:42:54 AM
capital-web7$25.00$25.0011/20/2009 10:43:15 AM
commanding-openness$25.00$25.0011/20/2009 10:43:32 AM
japper2353$25.00$25.0011/20/2009 10:43:41 AM
divedude$25.00$25.0011/20/2009 10:43:55 AM
jubilant-ore$25.00$25.0011/20/2009 10:59:15 AM
gizzywump$25.00$25.0011/20/2009 10:16:56 AM
Sixmil$25.00$25.0011/20/2009 11:09:06 AM
radiant-fund$25.00$25.0011/20/2009 11:14:48 AM
tallmon$25.00$25.0011/20/2009 11:14:53 AM
genuine-money3$25.00$25.0011/20/2009 11:21:14 AM
lend_to_you$50.00$50.0011/20/2009 10:18:43 AM
logical-p2ploan$25.00$25.0011/20/2009 11:31:44 AM
TrustPlus$50.00$50.0011/20/2009 11:34:13 AM
metro457$25.00$25.0011/20/2009 11:34:17 AM
speyer$25.00$25.0011/20/2009 11:34:20 AM
E_G$50.00$50.0011/20/2009 10:19:19 AM
burgeoning-silver$25.00$25.0011/20/2009 10:19:25 AM
Daheavy1$26.07$26.0711/20/2009 11:39:57 AM
sidney102$25.00$25.0011/20/2009 10:58:45 AM
SonomaHills$25.00$25.0011/20/2009 11:09:32 AM
credit-coach118$50.00$50.0011/20/2009 11:11:41 AM
coin-jubilee$25.00$25.0011/20/2009 11:14:31 AM
MAJESTIC5$26.19$26.1911/20/2009 12:23:16 PM
money-shaker$25.00$25.0011/20/2009 12:29:30 PM
economy-balance$25.00$25.0011/20/2009 12:38:26 PM
bigdees$25.00$25.0011/20/2009 12:46:57 PM
allieoomp$25.00$25.0011/20/2009 11:33:32 AM
HUNTER599673$25.00$25.0011/20/2009 11:34:02 AM
Northsider$25.00$25.0011/20/2009 11:39:26 AM
julijask$25.00$25.0011/20/2009 12:01:14 PM
wstpacific$25.00$25.0011/20/2009 12:04:32 PM
Masterlender$25.00$25.0011/20/2009 12:10:56 PM
clarkoa$25.00$25.0011/20/2009 1:50:27 PM
Int_PrinRateTime4000$40.00$40.0011/20/2009 12:47:39 PM
LHSK$25.00$25.0011/20/2009 1:59:26 PM
trade-doughnut5$25.00$25.0011/20/2009 10:29:13 AM
mamayama$25.00$25.0011/20/2009 10:29:30 AM
value-pouch$25.00$25.0011/20/2009 1:50:49 PM
honorable-yield$75.00$75.0011/20/2009 10:31:01 AM
best-decisive-peace$25.00$25.0011/20/2009 10:31:11 AM
Artist_Blue$25.00$25.0011/20/2009 10:31:35 AM
TrustOne$25.00$17.7511/20/2009 3:26:29 PM
elevated-platinum5$25.00$25.0011/20/2009 10:36:28 AM
bedframe$25.00$25.0011/20/2009 10:36:57 AM
Cheburashka$30.00$30.0011/20/2009 10:37:21 AM
bigballer105$25.00$25.0011/20/2009 10:43:02 AM
hopethisworks$50.00$50.0011/20/2009 10:55:38 AM
DonaldColorado$25.00$25.0011/20/2009 10:58:29 AM
mizon291$25.00$25.0011/20/2009 11:06:32 AM
wonderful-rupee$25.00$25.0011/20/2009 11:31:45 AM
just_for_today$25.00$25.0011/20/2009 11:33:29 AM
Binan$25.00$25.0011/20/2009 12:37:26 PM
revenue-sniffer$25.00$25.0011/20/2009 1:11:35 PM
invincible-marketplace$25.00$25.0011/20/2009 1:35:36 PM
ArtLends$25.00$25.0011/20/2009 2:21:40 PM
special-truth$25.00$25.0011/21/2009 3:13:04 AM
steady-dime$25.00$25.0011/23/2009 6:20:27 AM
outofoffice$50.00$50.0011/22/2009 3:08:53 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:55 PM
adventure0$300.00$300.0011/23/2009 5:50:45 PM
TakeCare$100.00$100.0011/20/2009 10:16:49 AM
zoomdrm57$50.00$50.0011/20/2009 10:17:09 AM
MoneyU4IA$40.00$40.0011/20/2009 10:17:14 AM
the_winning_ticket$35.00$35.0011/20/2009 10:18:54 AM
sharkm$25.00$25.0011/20/2009 10:19:11 AM
hard-working-loot$25.00$25.0011/20/2009 10:17:06 AM
Cai8899$75.00$75.0011/20/2009 10:17:53 AM
cash-boots$30.00$30.0011/20/2009 10:18:30 AM
personal-lender$25.00$25.0011/20/2009 10:23:55 AM
Weaverville$25.00$25.0011/20/2009 10:24:01 AM
BlindProphet$25.00$25.0011/20/2009 10:24:13 AM
Walkingcowboy$25.00$25.0011/20/2009 10:24:19 AM
neighborly-hope6$100.00$100.0011/20/2009 10:24:28 AM
rmachi$25.00$25.0011/20/2009 10:24:49 AM
Zarf$50.00$50.0011/20/2009 10:27:37 AM
gracej$25.00$25.0011/20/2009 10:24:17 AM
trident9$50.00$50.0011/20/2009 10:24:23 AM
AF-Chief$35.00$35.0011/20/2009 10:28:19 AM
justice-dna$35.00$35.0011/20/2009 10:24:35 AM
magical-greenback$55.00$55.0011/20/2009 10:28:27 AM
mikeandcat$50.00$50.0011/20/2009 10:28:44 AM
five-star-justice$36.00$36.0011/20/2009 10:25:50 AM
newbietony$40.00$40.0011/20/2009 10:27:38 AM
aldenrains$25.00$25.0011/20/2009 10:31:46 AM
SNH$50.00$50.0011/20/2009 10:33:07 AM
kulender$25.00$25.0011/20/2009 10:29:17 AM
liederhaus$50.00$50.0011/20/2009 10:34:17 AM
lendacity$25.00$25.0011/20/2009 10:35:16 AM
the-money-gargantuan$25.00$25.0011/20/2009 10:35:25 AM
rakstar$50.00$50.0011/20/2009 10:32:01 AM
museic1$25.00$25.0011/20/2009 10:37:02 AM
afotherg$25.00$25.0011/20/2009 10:34:23 AM
first-wampum-trapper$25.00$25.0011/20/2009 10:34:42 AM
the-profit-worker$45.26$45.2611/20/2009 10:41:01 AM
DocMan07$50.00$50.0011/20/2009 10:41:44 AM
the-bright-velocity$50.00$50.0011/20/2009 10:36:53 AM
upc_tnt$25.00$25.0011/20/2009 10:42:02 AM
DukSerduk$25.00$25.0011/20/2009 10:40:07 AM
Jassi$25.00$25.0011/20/2009 10:40:36 AM
keke2000$25.00$25.0011/20/2009 10:52:32 AM
Kerrysbay$25.00$25.0011/20/2009 10:54:33 AM
otter$25.00$25.0011/20/2009 10:57:16 AM
wise-agile-investment$25.00$25.0011/20/2009 10:44:11 AM
proteinart$25.00$25.0011/20/2009 11:00:37 AM
wrighco$25.00$25.0011/20/2009 10:16:36 AM
gogmagog$45.59$45.5911/20/2009 11:00:57 AM
emo13$50.00$50.0011/20/2009 10:16:48 AM
generosity-neutrino$25.00$25.0011/20/2009 11:07:27 AM
antlr$25.00$25.0011/20/2009 10:17:01 AM
Goodlender42$25.00$25.0011/20/2009 10:17:27 AM
profitable-durability6$25.00$25.0011/20/2009 11:14:45 AM
a275ranger$25.00$25.0011/20/2009 10:55:22 AM
diversification-blueberry$25.00$25.0011/20/2009 11:31:37 AM
pragmatic-camaraderi$25.00$25.0011/20/2009 11:32:00 AM
KnightKSU$25.00$25.0011/20/2009 10:55:42 AM
MoneySiles$25.00$25.0011/20/2009 11:32:13 AM
kenji4861$31.36$31.3611/20/2009 11:34:15 AM
Syzygy$25.00$25.0011/20/2009 11:00:30 AM
ore-orb$25.00$25.0011/20/2009 12:04:34 PM
dparkhom$25.00$25.0011/20/2009 11:06:23 AM
dionysus03$25.00$25.0011/20/2009 11:09:35 AM
spin-kick$25.00$25.0011/20/2009 11:14:36 AM
heretolendit$25.00$25.0011/20/2009 12:29:32 PM
jh157765$25.00$25.0011/20/2009 12:35:51 PM
kazdag$31.25$31.2511/20/2009 11:33:25 AM
a-responsible-return$25.00$25.0011/20/2009 10:23:49 AM
platinum-oath0$25.00$25.0011/20/2009 12:05:23 PM
Flux$25.00$25.0011/20/2009 1:00:50 PM
marketrateinvestor$25.00$25.0011/20/2009 12:29:52 PM
Torch84$25.00$25.0011/20/2009 1:49:52 PM
sellbuy40$30.53$30.5311/20/2009 1:50:33 PM
aspen5$25.00$25.0011/20/2009 1:59:27 PM
steady-gain5$25.00$25.0011/20/2009 1:04:35 PM
KDW08$25.00$25.0011/20/2009 1:57:34 PM
verse99$25.00$25.0011/20/2009 10:33:34 AM
MidLifeCrisis$25.00$25.0011/20/2009 10:33:39 AM
revenue-serenity$25.00$25.0011/20/2009 3:20:15 PM
love_what_you_do$25.00$25.0011/20/2009 3:34:55 PM
bigdogsafety1$25.00$25.0011/20/2009 10:40:10 AM
jd006006$50.00$50.0011/20/2009 10:43:09 AM
three-for-6$50.00$50.0011/20/2009 10:53:37 AM
ljay$25.00$25.0011/20/2009 10:54:50 AM
mh1169$25.00$25.0011/20/2009 11:33:09 AM
ultimate-social$25.00$25.0011/20/2009 11:34:14 AM
bondhedger$25.00$25.0011/20/2009 11:56:22 AM
tenny321$25.00$25.0011/20/2009 12:56:06 PM
asset-prescription$25.00$25.0011/20/2009 1:50:48 PM
unassuming-note$25.00$25.0011/20/2009 2:49:38 PM
zento$25.00$25.0011/21/2009 9:11:35 PM
unk1911$25.00$25.0011/22/2009 3:19:31 PM
orbiter614$50.00$50.0011/23/2009 9:53:05 AM
sprinkler5$25.00$25.0011/23/2009 8:46:07 PM
SCD$25.00$25.0011/23/2009 6:07:54 PM
204 bids
 
Borrower Payment Dependent Notes Series 434484
This series of Notes was issued and sold upon the funding of the borrower loan #39667, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-22-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $196.26
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $194.73
 
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: 9 First credit line: Jan-1995 Debt/Income ratio: 35%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $17,586 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: pecan633 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
Consolidation Loan
Purpose of loan:
This loan will be used to consolidate and payoff two credit cards. The two high rate existing?accounts will be closed after paid off with the new prosper loan.?I have excellent job?and income stability.?

My financial situation:
I am a good candidate for this loan because I have a very reliable payment history.? I have never had a delinquent payment on any type of account. The prosper loan will only help to better my financial situation both in the short term and long term. An?amortized?short term?loan with a lower interest rate?fits perfectly?with my financial goals going into the new year.
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)
credit-investor5$100.00$100.0011/20/2009 2:37:00 PM
Railbird$25.00$25.0011/20/2009 2:37:20 PM
cash-boots$30.00$30.0011/20/2009 2:40:14 PM
lend_to_you$50.00$50.0011/20/2009 2:40:15 PM
leodaguy$25.00$25.0011/20/2009 2:40:17 PM
the_winning_ticket$35.00$35.0011/20/2009 2:40:19 PM
sharkm$25.00$25.0011/20/2009 2:40:20 PM
E_G$50.00$50.0011/20/2009 2:40:22 PM
burgeoning-silver$25.00$25.0011/20/2009 2:40:23 PM
Weaverville$25.00$25.0011/20/2009 2:40:35 PM
gracej$25.00$25.0011/20/2009 2:40:43 PM
justice-dna$35.00$35.0011/20/2009 2:40:51 PM
rmachi$25.00$25.0011/20/2009 2:40:55 PM
GOPHERBOY$65.00$65.0011/20/2009 2:36:41 PM
ytjameslee$50.00$50.0011/20/2009 2:36:48 PM
evnagelist$50.00$50.0011/20/2009 2:41:05 PM
well-rounded-market$25.00$25.0011/20/2009 2:37:15 PM
gethsemane4$25.00$25.0011/20/2009 2:41:27 PM
ljay$25.00$25.0011/20/2009 2:37:31 PM
orange-courageous-dedication$40.00$40.0011/20/2009 2:41:33 PM
sidney102$25.00$25.0011/20/2009 2:37:47 PM
Artist_Blue$25.00$25.0011/20/2009 2:41:42 PM
mtp$50.00$50.0011/20/2009 2:39:26 PM
verse99$25.00$25.0011/20/2009 2:41:57 PM
miked8303$25.00$25.0011/20/2009 2:39:52 PM
gizzywump$25.00$25.0011/20/2009 2:39:54 PM
repayment-chef$25.00$25.0011/20/2009 2:40:04 PM
Attract$25.00$25.0011/20/2009 2:40:27 PM
Mr_Marcus$50.00$50.0011/20/2009 2:41:16 PM
BankOfFrankFairness$50.00$50.0011/20/2009 2:41:25 PM
MidLifeCrisis$25.00$25.0011/20/2009 2:41:58 PM
the-money-gargantuan$25.00$25.0011/20/2009 2:42:11 PM
revenue-serenity$25.00$25.0011/20/2009 3:20:14 PM
Hondo$25.00$25.0011/20/2009 5:14:40 PM
jd006006$29.89$29.8911/20/2009 7:44:39 PM
jswanso2$25.00$25.0011/20/2009 5:24:39 PM
kanakakm$50.00$50.0011/20/2009 9:04:53 PM
Gnube$25.00$25.0011/20/2009 9:26:28 PM
PatRichi$25.00$25.0011/21/2009 6:08:55 AM
TK4$25.00$25.0011/21/2009 6:08:58 AM
Phantom99$25.00$25.0011/21/2009 7:59:33 AM
tolstoy00$25.00$25.0011/21/2009 8:39:37 AM
new-nourishing-silver$50.00$50.0011/21/2009 8:49:31 AM
aguru54$25.00$25.0011/21/2009 5:43:40 AM
DukSerduk$25.00$25.0011/20/2009 2:36:44 PM
economy-balance$25.00$25.0011/21/2009 8:55:13 AM
desertoasis$25.00$25.0011/20/2009 2:36:52 PM
bigballer105$25.00$25.0011/20/2009 2:37:09 PM
anton$50.00$50.0011/21/2009 6:08:36 AM
japper2353$25.00$25.0011/20/2009 2:37:13 PM
Residuum$25.00$25.0011/21/2009 6:08:53 AM
Cheburashka$30.00$30.0011/20/2009 2:37:54 PM
dionysus03$25.00$25.0011/21/2009 9:28:42 AM
lucrative-worth$25.00$25.0011/20/2009 2:39:40 PM
wrighco$25.00$25.0011/20/2009 2:39:47 PM
hard-working-loot$25.00$25.0011/20/2009 2:39:58 PM
BlindProphet$25.00$25.0011/20/2009 2:40:41 PM
neighborly-hope6$100.00$100.0011/20/2009 2:40:49 PM
Sixmil$25.00$25.0011/21/2009 10:19:43 AM
Havana21$50.00$50.0011/20/2009 2:41:10 PM
neenerman$25.00$25.0011/21/2009 8:55:20 AM
crenen139$100.00$100.0011/20/2009 2:41:30 PM
Steveoo1$50.00$50.0011/20/2009 2:41:44 PM
SNH$50.00$50.0011/20/2009 2:41:49 PM
trade-pragmatist$25.00$25.0011/20/2009 2:41:55 PM
thestartuplender$50.00$50.0011/20/2009 2:42:16 PM
slartibardfast$35.00$35.0011/21/2009 9:28:44 AM
ClearLake$25.00$25.0011/21/2009 10:57:14 AM
SDNLR$25.00$25.0011/21/2009 9:35:34 AM
iruz$50.00$50.0011/21/2009 11:01:38 AM
revenue-sniffer$25.00$25.0011/21/2009 10:19:47 AM
NATIVEBORN$27.88$27.8811/21/2009 10:35:08 AM
Headhunter14$25.00$25.0011/21/2009 11:01:22 AM
aasx1108$25.00$25.0011/21/2009 11:01:43 AM
Truckie-FD$40.00$40.0011/21/2009 12:51:31 PM
DLock99$50.00$50.0011/20/2009 5:27:06 PM
point-bloom$30.00$30.0011/21/2009 4:49:01 PM
mamayama$25.00$25.0011/20/2009 6:09:50 PM
highcountry1$25.00$25.0011/20/2009 6:19:34 PM
Avid_Skier$25.00$25.0011/20/2009 8:54:30 PM
sflash$25.00$25.0011/22/2009 5:49:30 AM
payout-point$32.48$32.4811/20/2009 10:57:14 PM
DadWarbucks$25.00$25.0011/21/2009 4:40:11 AM
five-star-justice$36.00$36.0011/21/2009 6:08:42 AM
testobsessed$51.58$51.5811/21/2009 6:08:47 AM
don8ter$35.11$35.1111/21/2009 6:08:52 AM
Eagledrop$25.00$25.0011/21/2009 7:48:03 AM
lucrative-durability$25.00$25.0011/21/2009 8:12:54 AM
bluprntguy$25.00$25.0011/21/2009 8:29:33 AM
abidos$25.00$25.0011/21/2009 9:28:55 AM
goofy15975$25.00$25.0011/21/2009 9:29:05 AM
Tradesmanlender$25.00$25.0011/21/2009 10:33:25 AM
All_Wins$25.00$25.0011/21/2009 10:35:11 AM
Speculator$25.00$25.0011/21/2009 10:44:35 AM
Velocity_Lenders$100.00$100.0011/20/2009 2:37:18 PM
keke2000$25.00$25.0011/20/2009 2:37:23 PM
DonaldColorado$25.00$25.0011/20/2009 2:37:45 PM
proteinart$25.00$25.0011/20/2009 2:37:50 PM
julijask$25.00$25.0011/20/2009 2:38:00 PM
TakeCare$100.00$100.0011/20/2009 2:39:49 PM
personal-lender$25.00$25.0011/20/2009 2:40:33 PM
trident9$50.00$50.0011/20/2009 2:40:47 PM
elevated-platinum5$25.00$25.0011/20/2009 2:36:32 PM
museic1$25.00$25.0011/20/2009 2:36:37 PM
tisiphone$25.00$25.0011/20/2009 2:37:07 PM
honorable-yield$75.00$75.0011/20/2009 2:41:35 PM
fair-funds$25.00$25.0011/20/2009 2:41:40 PM
money-shaker$25.00$25.0011/20/2009 2:38:03 PM
open-minded-finance1$25.00$25.0011/20/2009 2:42:01 PM
MoneyU4IA$40.00$40.0011/20/2009 2:40:02 PM
Goodlender42$25.00$25.0011/20/2009 2:40:06 PM
lloyd_s$25.00$25.0011/20/2009 2:40:12 PM
a-responsible-return$25.00$25.0011/20/2009 2:40:30 PM
unassuming-note$25.00$25.0011/20/2009 2:49:37 PM
bchen78875$50.00$50.0011/20/2009 2:40:39 PM
thedoctor$40.00$40.0011/20/2009 2:40:54 PM
bonus-patriot$50.00$50.0011/20/2009 2:41:00 PM
888168$50.00$50.0011/20/2009 2:41:02 PM
magical-greenback$55.00$55.0011/20/2009 2:41:15 PM
mikeandcat$50.00$50.0011/20/2009 2:41:18 PM
trade-doughnut5$25.00$25.0011/20/2009 2:41:20 PM
kulender$25.00$25.0011/20/2009 2:41:22 PM
Klearwater_Pools$25.00$25.0011/20/2009 2:41:23 PM
TrustOne$25.00$25.0011/20/2009 3:26:28 PM
best-decisive-peace$25.00$25.0011/20/2009 2:41:39 PM
vegaslender88$25.00$25.0011/20/2009 2:41:51 PM
lendacity$25.00$25.0011/20/2009 2:42:08 PM
allieoomp$25.00$25.0011/20/2009 5:27:02 PM
skvat$25.00$25.0011/20/2009 11:24:52 PM
aspen5$25.00$25.0011/20/2009 9:26:24 PM
kayakg$25.00$25.0011/21/2009 6:08:56 AM
djh47a$36.79$36.7911/21/2009 8:39:32 AM
jack1729$25.00$25.0011/21/2009 4:54:10 AM
upc_tnt$25.00$25.0011/21/2009 5:43:11 AM
Jassi$25.00$25.0011/20/2009 2:36:50 PM
BayShell$40.00$40.0011/21/2009 8:55:23 AM
StrongMoney$25.00$25.0011/20/2009 2:36:55 PM
help_each_other$25.00$25.0011/21/2009 9:04:23 AM
Kerrysbay$25.00$25.0011/20/2009 2:37:27 PM
sictransitgloria$25.00$25.0011/21/2009 9:26:09 AM
credit-coach118$50.00$50.0011/20/2009 2:37:56 PM
greenbackologist$25.00$25.0011/21/2009 9:28:37 AM
steady-gain5$25.00$25.0011/20/2009 2:38:05 PM
compoundinterest$50.00$50.0011/21/2009 9:28:59 AM
antlr$25.00$25.0011/20/2009 2:39:56 PM
zoomdrm57$50.00$50.0011/20/2009 2:40:00 PM
Banker7371$25.00$25.0011/20/2009 2:40:08 PM
johannesfactotum$25.00$25.0011/21/2009 9:38:22 AM
Walkingcowboy$25.00$25.0011/20/2009 2:40:46 PM
equitable-basis$25.00$25.0011/21/2009 8:38:47 AM
degster$25.00$25.0011/21/2009 10:19:49 AM
GElender$50.00$50.0011/20/2009 2:40:58 PM
newbietony$40.00$40.0011/20/2009 2:41:08 PM
AF-Chief$35.00$35.0011/20/2009 2:41:13 PM
epit$25.00$25.0011/21/2009 10:44:13 AM
rakstar$50.00$50.0011/20/2009 2:41:46 PM
pleasant-basis$25.00$25.0011/20/2009 2:41:53 PM
KiwiElf$30.00$30.0011/21/2009 9:28:41 AM
flwah$50.00$50.0011/21/2009 9:28:51 AM
Quaven$25.00$25.0011/21/2009 10:57:54 AM
unk1911$25.00$25.0011/21/2009 11:01:23 AM
cowboyskier$39.33$39.3311/21/2009 10:03:59 AM
BiggestG$25.00$25.0011/21/2009 10:44:03 AM
teller$60.00$60.0011/21/2009 1:59:39 PM
dinero-oasis$25.00$25.0011/21/2009 2:22:32 PM
transparency-giant$40.83$40.8311/21/2009 11:01:36 AM
mathprof$25.00$13.2411/21/2009 3:20:02 PM
_kyle$25.00$25.0011/21/2009 11:35:06 AM
Sid-K$25.00$25.0011/21/2009 1:42:19 PM
gogmagog$100.00$100.0011/21/2009 6:08:46 AM
steves73$25.00$25.0011/21/2009 6:08:51 AM
rjleves$25.00$25.0011/21/2009 6:08:59 AM
thedreamer$25.00$25.0011/21/2009 8:12:50 AM
JJS180$25.00$25.0011/21/2009 9:19:42 AM
MGOT-Ken$25.00$25.0011/21/2009 9:29:00 AM
surfhoss644$25.00$25.0011/21/2009 10:04:38 AM
RB_Double-A_Bravo$25.00$25.0011/21/2009 11:01:32 AM
Kelor99$25.00$25.0011/21/2009 11:13:31 AM
seattleslug$26.87$26.8711/21/2009 1:24:48 PM
179 bids
 
Borrower Payment Dependent Notes Series 434528
This series of Notes was issued and sold upon the funding of the borrower loan #39714, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $94.41
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $93.04
 
Auction yield range: 8.29% - 20.17% 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: Apr-1997 Debt/Income ratio: 15%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $9,949 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 69%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: helpful-integrity0 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
Pay off bills
Purpose of loan:
This loan will be used to? pay of some high interest credit cards and the remainder of school taxes for our township.

My financial situation:
I am a good candidate for this loan because? My wife and I are hard working members of our community.? My wife tried to start her own cleaning company and was successful at first, but then things with the economy changed and people were less likely to hire a housekeeper.? She had also lost a majority of her steady clients and has now started taken odd jobs in order for us to stay "above water".? We have had to rely on our credit cards more than we would have liked to, so we can continue to provide for our family.? We would like the opportunity to start fresh and eliminate some of this debt.? We have lived in the same town for our whole lives and are a family with old fashioned values.? We try to teach our son that you take responsibility for your actions and commitments.? We believe you pay what you bills and try to live a good life.? Please allow us to show you we are a responsible family who does not wish to fall deeper into debt.? Thank you.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 1092.00
??Insurance: $ 150.00
??Car expenses: $ 222.00
??Utilities: $ 266.00
??Phone, cable, internet: $ 154.00
??Food, entertainment: $ 175.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Based upon the income and expenses listed, you have over $1500 per month to pay down your credit cards. So in less than 2 months you could have more than your prosper loan. Please explain why you need this loan? Also please explain public record. - exciting-fairness
A: I initially tried for a larger loan, but was unsuccessful, so I lowered the amount of loan in order to pay down some of the higher interest loans and to be able to establish a "cushion" for paying off other debt. The public record is a bankruptcy my wife and I filed for approximately 10 years ago. We had just bought our home. Within the first year, my wife's parents died and we lost our jobs. It was not a decision we made lightly. We've worked hard to overcome it. (Nov-23-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
vengy$25.00$25.0011/23/2009 3:59:00 PM
ALVO$100.00$100.0011/23/2009 3:59:09 PM
SnakeDoc_Investments$25.00$25.0011/23/2009 3:59:15 PM
cu2maro$25.00$25.0011/23/2009 3:59:22 PM
creditasaurus9$50.00$50.0011/23/2009 3:59:31 PM
sloan$25.00$25.0011/23/2009 4:00:25 PM
lodcomm$25.00$25.0011/23/2009 4:00:34 PM
theopposites$25.00$25.0011/23/2009 4:01:50 PM
mc81$25.00$25.0011/23/2009 4:02:08 PM
mjjjrj$25.00$25.0011/23/2009 4:02:17 PM
nicklds$75.00$75.0011/23/2009 3:59:05 PM
divedude$25.00$23.0011/23/2009 4:03:31 PM
02bob$25.00$25.0011/23/2009 3:59:25 PM
HarrisonHome$25.00$25.0011/23/2009 3:59:53 PM
social-caravan$25.00$25.0011/23/2009 3:59:59 PM
rawman$25.00$25.0011/23/2009 4:00:17 PM
wwwUniversal$25.00$25.0011/23/2009 4:00:45 PM
create42xn$25.00$25.0011/23/2009 4:00:53 PM
assetmanager$25.00$25.0011/23/2009 4:01:09 PM
dimitrip1024$25.00$25.0011/23/2009 4:01:18 PM
eric-p$25.00$25.0011/23/2009 4:01:31 PM
rose88$25.00$25.0011/23/2009 4:02:09 PM
ualf$50.00$50.0011/23/2009 4:02:50 PM
pythia$25.00$25.0011/23/2009 3:59:02 PM
pwkpwk$25.00$25.0011/23/2009 3:59:23 PM
deal-grid7$50.00$50.0011/23/2009 3:59:47 PM
jct_enterprises$25.00$25.0011/23/2009 3:59:54 PM
dparkhom$25.00$25.0011/23/2009 4:00:10 PM
market-solstice2$25.00$25.0011/23/2009 4:00:13 PM
RationalWorld$25.00$25.0011/23/2009 4:00:28 PM
Wangersinc$25.00$25.0011/23/2009 4:00:40 PM
WilliamLeeSims$25.00$25.0011/23/2009 4:01:14 PM
Hiro07$25.00$25.0011/23/2009 4:01:20 PM
imlosttoo$25.00$25.0011/23/2009 4:01:42 PM
mooselegs19$25.00$25.0011/23/2009 4:01:52 PM
derec$25.00$25.0011/23/2009 4:02:14 PM
impressive-loan$100.00$100.0011/25/2009 1:28:38 PM
ddoneday$25.00$25.0011/26/2009 4:29:50 PM
moo916$25.00$25.0011/26/2009 5:35:48 PM
vigilance-hyperdrive$25.00$25.0011/23/2009 3:59:06 PM
Erileb$25.00$25.0011/23/2009 3:59:13 PM
bostonking$25.00$25.0011/23/2009 3:59:26 PM
quintilian$50.00$50.0011/23/2009 3:59:41 PM
KHU2-B$25.00$25.0011/23/2009 4:00:01 PM
wampum-chorus3$25.00$25.0011/23/2009 4:00:08 PM
Phantom99$25.00$25.0011/23/2009 4:00:24 PM
money-maniac$25.00$25.0011/23/2009 4:00:32 PM
ladyonthebay$25.00$25.0011/23/2009 4:00:56 PM
saschar$25.00$25.0011/23/2009 4:01:25 PM
salala$25.00$25.0011/23/2009 4:01:59 PM
seattleslug$25.00$25.0011/23/2009 4:02:10 PM
All_Wins$25.00$25.0011/23/2009 4:02:19 PM
YellowJacket$25.00$25.0011/23/2009 4:03:27 PM
papaman$25.00$25.0011/23/2009 3:59:37 PM
Luigi$25.00$25.0011/23/2009 3:59:45 PM
RB_Double-A_Bravo$25.00$25.0011/23/2009 3:59:55 PM
CPAMAN$25.00$25.0011/23/2009 4:00:00 PM
350DGRZ$25.00$25.0011/23/2009 4:00:15 PM
smurf163$25.00$25.0011/23/2009 4:00:36 PM
JoshE$25.00$25.0011/23/2009 4:00:50 PM
takabanana$25.00$25.0011/23/2009 4:01:58 PM
mollybosco$50.00$50.0011/23/2009 4:02:06 PM
Raser$25.00$25.0011/23/2009 4:02:13 PM
Oryx22$25.00$25.0011/23/2009 4:02:58 PM
L-vex$25.00$25.0011/23/2009 4:03:09 PM
urbanMisfit$25.00$25.0011/23/2009 3:59:11 PM
BigLinCT$25.00$25.0011/23/2009 3:59:57 PM
blessedpair$37.00$37.0011/23/2009 4:00:06 PM
Ragestang$25.00$25.0011/23/2009 4:01:22 PM
glalat$25.00$25.0011/23/2009 4:01:56 PM
latestone$25.00$25.0011/23/2009 4:02:12 PM
robot777$40.00$40.0011/23/2009 4:39:55 PM
caseattle$25.00$25.0011/23/2009 4:55:46 PM
Bank_Of_XL$100.00$100.0011/23/2009 9:34:28 PM
foothillender$25.00$25.0011/24/2009 8:27:31 AM
the-profit-oracle$25.00$25.0011/24/2009 11:37:56 AM
impartial-deal$25.00$25.0011/24/2009 12:21:53 PM
professional-finance$25.00$25.0011/24/2009 2:26:27 PM
portfolio-turbine$25.00$25.0011/25/2009 10:27:35 PM
unger$100.00$100.0011/27/2009 3:16:18 AM
80 bids
 
Borrower Payment Dependent Notes Series 434698
This series of Notes was issued and sold upon the funding of the borrower loan #39732, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $123.27
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $121.59
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Nov-2008 Debt/Income ratio: 5%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 2Length of status:3y 4m
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: 3    
Screen name: tiosrec Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to remodel my bathroom

My financial situation:
I am a good candidate for this loan because I have been employed with the same company for three years. I always take care of my obligations.

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $450
??Insurance: $ 21
??Car expenses: $0
??Utilities: $ 50
??Phone, cable, internet: $100
??Food, entertainment: $ 100
??Clothing, household expenses $70
??Credit cards and other loans: $ 0
??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)
dinero-mason$50.00$50.0011/23/2009 4:08:31 PM
affluence-tycoon$25.00$25.0011/23/2009 4:09:50 PM
Diamond_Jim$25.00$25.0011/23/2009 4:08:19 PM
spitzbergen$25.00$25.0011/23/2009 4:09:12 PM
secobarbital$25.00$25.0011/23/2009 4:15:59 PM
louisianalender$100.00$100.0011/23/2009 4:16:15 PM
JGB$25.00$25.0011/23/2009 4:16:29 PM
efficient-bid2$25.00$25.0011/23/2009 4:14:46 PM
Cash_Angel$25.00$25.0011/23/2009 4:16:41 PM
nowits10$25.00$25.0011/23/2009 4:15:00 PM
Banker7371$25.00$25.0011/23/2009 4:15:05 PM
hard-working-loot$25.00$25.0011/23/2009 4:15:09 PM
GMPK_TLAS$25.00$25.0011/23/2009 4:16:54 PM
888168$25.00$25.0011/23/2009 4:15:35 PM
fcb202$25.00$25.0011/23/2009 4:16:23 PM
murlirao2002$25.00$25.0011/23/2009 4:18:04 PM
pietro_torna_indietro$25.00$25.0011/23/2009 4:16:45 PM
beezling$52.00$52.0011/23/2009 4:17:00 PM
wise-cash-keeper$25.00$25.0011/23/2009 4:17:54 PM
steves73$25.00$25.0011/23/2009 4:19:35 PM
crenen139$25.00$25.0011/23/2009 4:19:18 PM
yeti888$25.00$25.0011/23/2009 4:20:28 PM
Dubbs360$50.00$50.0011/23/2009 4:19:55 PM
penny-surgeon$25.00$25.0011/23/2009 4:21:33 PM
copper$30.00$30.0011/23/2009 4:20:39 PM
equitable-credit0$25.00$25.0011/23/2009 4:22:13 PM
matrix456$25.00$25.0011/23/2009 4:22:15 PM
vegaslender88$25.00$25.0011/23/2009 4:23:26 PM
Hondo$25.00$25.0011/23/2009 4:24:42 PM
dime-fighter$25.00$25.0011/23/2009 4:27:26 PM
charming-point$100.00$100.0011/23/2009 4:08:39 PM
dedicated-diversification5$65.00$65.0011/23/2009 4:08:53 PM
gizzywump$25.00$25.0011/23/2009 4:09:34 PM
rmachi$25.00$25.0011/23/2009 4:09:42 PM
truth-eclair$25.00$25.0011/23/2009 4:11:09 PM
AF-Chief$25.00$25.0011/23/2009 4:14:57 PM
SweetHoneyPot$25.00$25.0011/23/2009 4:37:46 PM
delivery$25.00$25.0011/23/2009 4:16:09 PM
fareast_man$25.00$25.0011/23/2009 4:16:35 PM
loan-master996$50.00$50.0011/23/2009 4:17:05 PM
forthright-dedication$50.00$50.0011/23/2009 4:21:21 PM
Comoparklender$25.00$25.0011/23/2009 4:21:56 PM
Dreams4Cash$25.00$25.0011/23/2009 4:23:19 PM
billdpost$25.00$25.0011/23/2009 4:27:51 PM
direct-yield$25.00$13.0011/23/2009 4:28:00 PM
jhouman$25.00$25.0011/23/2009 4:50:16 PM
reflective-rupee$25.00$25.0011/23/2009 5:22:09 PM
impartial-deal$25.00$25.0011/24/2009 12:26:39 PM
marwadi-62$25.00$25.0011/24/2009 3:50:15 PM
wwwUniversal$25.00$25.0011/24/2009 10:32:07 PM
Turtlebear44$25.00$25.0011/23/2009 4:09:02 PM
Havana21$50.00$50.0011/23/2009 4:09:08 PM
honorable-yield$35.00$35.0011/23/2009 4:09:17 PM
CarDealer3070$30.00$30.0011/23/2009 4:09:24 PM
treasure-bliss$50.00$50.0011/23/2009 4:08:57 PM
miked8303$25.00$25.0011/23/2009 4:09:29 PM
sloan$25.00$25.0011/23/2009 4:11:05 PM
cognizant-wealth$25.00$25.0011/23/2009 4:17:41 PM
Speculator$25.00$25.0011/23/2009 4:18:15 PM
greenwell$25.00$25.0011/23/2009 4:16:49 PM
DosPassos$25.00$25.0011/23/2009 4:18:27 PM
ryan23$25.00$25.0011/23/2009 4:19:43 PM
integrity-spilunker$25.00$25.0011/23/2009 4:19:31 PM
icecoldcash$25.00$25.0011/23/2009 4:22:44 PM
impeccable-transparency$50.00$50.0011/23/2009 4:22:41 PM
income-rocker2$250.00$250.0011/23/2009 4:23:31 PM
orange-preeminant-bill$100.00$100.0011/23/2009 4:27:05 PM
euro-mirth$25.00$25.0011/23/2009 4:26:06 PM
lloyd_s$25.00$25.0011/23/2009 4:08:27 PM
twirl2$25.00$25.0011/23/2009 4:27:58 PM
tallmon$25.00$25.0011/23/2009 4:08:46 PM
rob1971$25.00$25.0011/23/2009 4:14:52 PM
GElender$25.00$25.0011/23/2009 4:15:53 PM
anton$25.00$25.0011/23/2009 4:17:38 PM
tsquared_030$25.00$25.0011/23/2009 4:18:00 PM
Vreet$25.00$25.0011/23/2009 4:19:10 PM
cbz$25.00$25.0011/23/2009 4:21:59 PM
elevated-platinum5$25.00$25.0011/23/2009 4:22:48 PM
CROBRUN$25.00$25.0011/23/2009 4:23:46 PM
zento$25.00$25.0011/23/2009 6:24:43 PM
reflective-rupee$50.00$50.0011/23/2009 5:17:17 PM
foothillender$25.00$25.0011/24/2009 8:20:21 AM
the-profit-oracle$25.00$25.0011/24/2009 8:51:40 AM
felicity-daydream$25.00$25.0011/24/2009 1:28:15 PM
professional-finance$25.00$25.0011/24/2009 2:34:35 PM
unk1911$25.00$25.0011/24/2009 5:20:23 PM
nethosters$25.00$25.0011/25/2009 4:13:07 AM
money-prophesy$100.00$100.0011/26/2009 7:42:29 AM
88 bids
 
Borrower Payment Dependent Notes Series 434738
This series of Notes was issued and sold upon the funding of the borrower loan #39692, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $108.46
Final lender yield: 17.00% Final borrower rate/APR: 18.00% / 20.21% Final monthly payment: $108.46
 
Auction yield range: 4.29% - 17.00% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Dec-2003 Debt/Income ratio: 43%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 22 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $17,513 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: vtith79 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
600-619 (Oct-2009)
620-639 (Sep-2008)
620-639 (May-2008)
620-639 (Dec-2007)
 
Principal balance: $1,876.87 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Consolidate and Simplify
Purpose of loan:
This loan will be used to?consolidate a few debts and roll it into one account with prosper for 3 years. I am getting closer to my goal of being debt free. Right now I have to consolidate higher interest rates into lower rate loans. With this loan I will be that much closer to becoming debt free in the near future.

My financial situation:is secure. I have been at my job for 5 years working for a great privately owned company. Even with the economy as is, the company has not laid anyone off. Good job security
I am a good candidate for this loan because? I continue to pay all my accounts on time monthly

Monthly net income: $ 2900.00 + 2000.00= 4900.00 ( includes my wife's salary)

Monthly expenses: $
??Housing: $1200.00
??Insurance: $200.00
??Car expenses: $500.00
??Utilities: $350.00
??Phone, cable, internet: $100.00
??Food, entertainment: $400.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $400.00
??Other expenses: $
TOTAL EXPENSES: $3250.00- $ 3400.00 per month
Information in the Description is not verified.
Friends And Family Winning Bids
mour83 has bid a total of $50.00 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
investor_101$25.00$25.0011/23/2009 4:07:10 PM
Independenceday$25.00$25.0011/23/2009 4:28:56 PM
five-star-note$30.00$30.0011/23/2009 4:29:24 PM
sociallender$25.00$25.0011/23/2009 4:46:50 PM
vegaslender88$25.00$25.0011/23/2009 4:57:06 PM
awesome-benefit1$25.00$25.0011/23/2009 4:44:42 PM
Bob450$50.00$50.0011/23/2009 9:40:51 PM
banker65010$25.00$25.0011/23/2009 5:15:10 PM
Rearden_Steel$25.00$25.0011/24/2009 5:12:48 AM
forthright-dedication$25.00$25.0011/24/2009 7:18:37 AM
108lender$100.00$100.0011/24/2009 8:13:39 AM
mour83$50.00$50.0011/24/2009 8:56:23 AM
steady-dime$45.26$45.2611/24/2009 12:58:46 PM
impartial-deal$25.00$25.0011/24/2009 12:42:41 PM
MITPhysics$25.00$25.0011/24/2009 1:05:16 PM
alex189a$100.00$100.0011/24/2009 1:47:37 PM
Ven58$25.00$25.0011/24/2009 3:08:18 PM
innovator2$50.00$50.0011/24/2009 3:59:21 PM
drcoop$25.00$25.0011/24/2009 5:20:06 PM
productive-currency3$25.00$25.0011/24/2009 6:28:25 PM
slicrad$25.00$25.0011/24/2009 7:13:28 PM
Bank_Of_XL$50.00$50.0011/24/2009 7:14:54 PM
caseattle$25.00$25.0011/24/2009 7:13:30 PM
ptjg$100.00$100.0011/24/2009 10:21:26 PM
lucrative-worth$100.00$100.0011/25/2009 8:58:07 AM
theloanteacher$25.00$25.0011/25/2009 9:23:25 AM
generosity-harbor$25.00$25.0011/25/2009 9:26:20 AM
chibear34$25.00$25.0011/25/2009 10:30:15 AM
WealthBoy$25.00$25.0011/25/2009 11:08:17 AM
reflective-rupee$50.00$50.0011/23/2009 4:22:26 PM
silverloan$50.00$50.0011/23/2009 4:22:37 PM
ptjg$100.00$100.0011/23/2009 5:12:00 PM
SFBank$200.00$200.0011/23/2009 5:14:11 PM
reflective-rupee$25.00$25.0011/23/2009 5:22:12 PM
reflective-rupee$50.00$50.0011/23/2009 4:47:18 PM
JustMee$25.00$25.0011/23/2009 5:51:57 PM
grnii78$100.00$100.0011/23/2009 6:23:42 PM
GOPHERBOY$75.00$75.0011/23/2009 7:09:31 PM
Mav26$206.00$206.0011/24/2009 8:15:54 AM
inforapenny$25.00$25.0011/24/2009 8:18:56 AM
credit-coach118$25.00$25.0011/24/2009 10:30:18 AM
building_community$25.00$25.0011/24/2009 12:13:49 PM
StrongMonty$28.88$28.8811/24/2009 1:47:25 PM
professional-finance$25.00$25.0011/24/2009 2:34:58 PM
five-star-note$75.00$75.0011/24/2009 7:10:04 PM
Havnfun$25.00$25.0011/24/2009 8:27:32 PM
patriot384$100.00$100.0011/24/2009 8:33:58 PM
glowman76$50.00$4.8611/25/2009 12:38:52 AM
hellasow$25.00$25.0011/25/2009 6:23:02 AM
cashasaurus0$200.00$200.0011/25/2009 5:46:54 AM
Bigejv$50.00$50.0011/25/2009 6:57:55 AM
jybank$25.00$25.0011/25/2009 5:52:10 AM
szetheli$135.00$135.0011/25/2009 9:42:13 AM
bondhedger$25.00$25.0011/25/2009 10:29:30 AM
JTHarris$100.00$100.0011/25/2009 11:05:42 AM
hopeful-duty$25.00$25.0011/25/2009 11:28:37 AM
scarlet-velvet$25.00$25.0011/25/2009 10:30:49 AM
penny-surgeon$25.00$25.0011/25/2009 11:45:15 AM
58 bids
 
Borrower Payment Dependent Notes Series 434768
This series of Notes was issued and sold upon the funding of the borrower loan #39689, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 17.09% Starting borrower rate/APR: 18.09% / 20.30% Starting monthly payment: $434.37
Final lender yield: 14.05% Final borrower rate/APR: 15.05% / 17.22% Final monthly payment: $416.28
 
Auction yield range: 6.29% - 17.09% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Oct-1998 Debt/Income ratio: 22%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $2,702 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: a-blazing-principal 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
Secure Business For Our Future
Purpose of loan:
This loan will be used to fund a business expansion effort. The business is a marketing and personal development training initiative.Everyday people will have the chance to learn how to leverage the Internet to communicate their message through various technological channels.My financial situation:I am a good candidate for this loan because I payoff debt in a timely manner. I have honored my creditors and have not been tardy with a payment for over 5 years. I have a solid source of income and do not regularly seek new credit.
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)
crazycool$35.00$35.0011/23/2009 4:04:24 PM
Gibbyland$75.00$75.0011/23/2009 4:02:31 PM
Hondo$25.00$25.0011/23/2009 4:05:49 PM
ScottW$25.00$25.0011/23/2009 4:03:47 PM
hard-working-loot$25.00$25.0011/23/2009 4:04:16 PM
gold-disk$50.00$50.0011/23/2009 4:05:14 PM
scoobiedoo$25.00$25.0011/23/2009 4:05:20 PM
vcbogan$86.01$86.0111/23/2009 4:05:56 PM
burgeoning-silver$25.00$25.0011/23/2009 4:10:19 PM
transaction-axis$25.00$25.0011/23/2009 4:10:24 PM
Artist_Blue$25.00$25.0011/23/2009 4:10:45 PM
biobulator$25.00$25.0011/23/2009 4:10:53 PM
brother_tam$50.00$50.0011/23/2009 4:10:56 PM
Heatguy$75.00$75.0011/23/2009 4:11:19 PM
Lightlife$50.00$50.0011/23/2009 4:11:30 PM
rmachi$25.00$25.0011/23/2009 4:11:34 PM
SNH$50.00$50.0011/23/2009 4:12:19 PM
newbietony$25.00$25.0011/23/2009 4:10:05 PM
bonus-buddy2$35.00$35.0011/23/2009 4:12:33 PM
bchen78875$25.00$25.0011/23/2009 4:13:00 PM
gold-sushi$25.00$25.0011/23/2009 4:10:40 PM
value-pole$25.00$25.0011/23/2009 4:11:26 PM
exact-justice$25.00$25.0011/23/2009 4:13:56 PM
rolandweary$40.00$40.0011/23/2009 4:12:23 PM
yield-lion$25.00$25.0011/23/2009 4:12:42 PM
swoosh$25.00$25.0011/23/2009 4:12:45 PM
chicco$80.00$80.0011/23/2009 4:13:14 PM
jeg3k$25.00$25.0011/23/2009 4:13:18 PM
VBAces$50.00$50.0011/23/2009 4:15:26 PM
socialbanker$25.00$25.0011/23/2009 4:13:24 PM
youqianderen$50.00$50.0011/23/2009 4:13:27 PM
xstreamin$25.00$25.0011/23/2009 4:13:36 PM
ThomasCrown$30.00$30.0011/23/2009 4:13:40 PM
Dutchhunter$25.00$25.0011/23/2009 4:13:44 PM
benefit-squirrel$30.00$30.0011/23/2009 4:13:58 PM
andyb9$25.00$25.0011/23/2009 4:14:02 PM
MoneyU4IA$25.00$25.0011/23/2009 4:15:30 PM
digitalrinaldo$25.00$25.0011/23/2009 4:17:44 PM
asiaratt$100.00$100.0011/23/2009 4:17:50 PM
Speculator$25.00$25.0011/23/2009 4:18:19 PM
efficient-bid2$25.00$25.0011/23/2009 4:17:11 PM
vkorichkov$30.00$30.0011/23/2009 4:18:43 PM
silver-armada$100.00$100.0011/23/2009 4:17:34 PM
djindepth$50.00$50.0011/23/2009 4:19:00 PM
gethsemane4$25.00$25.0011/23/2009 4:19:06 PM
crenen139$50.00$50.0011/23/2009 4:19:22 PM
LAKESPRING$25.00$25.0011/23/2009 4:18:54 PM
melodious-fairness$25.00$25.0011/23/2009 4:20:04 PM
Buffer10$100.00$100.0011/23/2009 4:20:08 PM
thestartuplender$35.00$35.0011/23/2009 4:19:13 PM
orange-courageous-dedication$30.00$30.0011/23/2009 4:19:38 PM
sidney102$50.00$50.0011/23/2009 4:21:54 PM
wise-agile-investment$25.00$25.0011/23/2009 4:21:09 PM
money2k$25.00$25.0011/23/2009 4:03:43 PM
mpactlender$25.00$25.0011/23/2009 4:21:26 PM
LEWK25$25.00$25.0011/23/2009 4:21:30 PM
puntme$25.00$25.0011/23/2009 4:21:43 PM
burrito6$25.00$25.0011/23/2009 4:22:07 PM
wise-spirited-nickel$25.00$25.0011/23/2009 4:04:41 PM
AF-Chief$35.00$35.0011/23/2009 4:04:49 PM
SkepticalBen$25.00$25.0011/23/2009 4:24:10 PM
hptcrabbers$25.00$25.0011/23/2009 4:25:21 PM
uga$25.00$25.0011/23/2009 4:23:40 PM
GOPHERBOY$60.00$60.0011/23/2009 4:25:30 PM
DadWarbucks$25.00$25.0011/23/2009 4:05:25 PM
omerta6102$50.00$50.0011/23/2009 4:25:34 PM
copperfield$25.00$25.0011/23/2009 4:24:13 PM
duty-monger$50.00$50.0011/23/2009 4:26:14 PM
topher515$25.00$25.0011/23/2009 4:26:36 PM
CAGE-Investments$25.00$25.0011/23/2009 4:06:32 PM
resource777$25.00$25.0011/23/2009 4:24:58 PM
selfmademan$25.00$25.0011/23/2009 4:25:08 PM
nodrivelpls$25.00$25.0011/23/2009 4:25:12 PM
five-star-note$25.00$25.0011/23/2009 4:07:28 PM
CrossCreek$25.00$25.0011/23/2009 4:26:20 PM
accordion8$50.00$50.0011/23/2009 4:26:44 PM
iolaire$25.00$25.0011/23/2009 4:08:15 PM
financial-frenzy$50.00$50.0011/23/2009 4:30:04 PM
hope-eagle6$25.00$25.0011/23/2009 4:30:25 PM
steves73$25.00$25.0011/23/2009 4:31:26 PM
honorable-yield$50.00$50.0011/23/2009 4:31:30 PM
bradny$25.00$25.0011/23/2009 4:30:11 PM
lend_to_you$50.00$50.0011/23/2009 4:09:57 PM
JGB$25.00$25.0011/23/2009 4:30:20 PM
CASHGIRL$75.00$75.0011/23/2009 4:10:34 PM
icontender$25.00$25.0011/23/2009 4:33:28 PM
point-shooter$25.00$25.0011/23/2009 4:33:49 PM
fortytwo$100.00$100.0011/23/2009 4:32:22 PM
mmqc$25.00$25.0011/23/2009 4:33:57 PM
mikrolown$25.00$25.0011/23/2009 4:11:15 PM
jack4875$25.00$25.0011/23/2009 4:32:31 PM
rob1971$25.00$25.0011/23/2009 4:32:44 PM
MrDavid$25.00$25.0011/23/2009 4:34:18 PM
Dahlozer$25.00$25.0011/23/2009 4:34:24 PM
PatRichi$25.00$25.0011/23/2009 4:33:13 PM
dullstar$25.00$25.0011/23/2009 4:34:57 PM
justice-dna$25.00$25.0011/23/2009 4:11:44 PM
EnigmaNYC-29$25.00$25.0011/23/2009 4:11:54 PM
kmwvma$25.00$25.0011/23/2009 4:33:55 PM
wise-extraordinary-loot$30.00$30.0011/23/2009 4:12:01 PM
whiterabbit1874$25.00$25.0011/23/2009 4:34:15 PM
personal-lender$25.00$25.0011/23/2009 4:12:14 PM
puifais$25.00$25.0011/23/2009 4:34:22 PM
Boca$25.00$25.0011/23/2009 4:34:31 PM
Aimvest$25.00$25.0011/23/2009 4:34:34 PM
d_grbg$25.00$25.0011/23/2009 4:34:38 PM
RetiredATC$25.00$25.0011/23/2009 4:12:50 PM
techvet$25.00$25.0011/23/2009 4:13:11 PM
wayman$50.00$50.0011/23/2009 4:13:50 PM
wiltonbound$25.00$25.0011/23/2009 4:14:07 PM
agwosdof$50.00$50.0011/23/2009 4:14:11 PM
dignified-finance$25.00$25.0011/23/2009 4:14:34 PM
five-star-justice$36.00$36.0011/23/2009 4:14:39 PM
the-money-gargantuan$25.00$25.0011/23/2009 4:17:22 PM
steady-gain5$25.00$25.0011/23/2009 4:17:28 PM
TheGrayFox$25.00$25.0011/23/2009 4:19:51 PM
JohnW12$25.00$25.0011/23/2009 4:20:13 PM
fair-funds$25.00$25.0011/23/2009 4:20:22 PM
Steveoo1$25.00$25.0011/23/2009 4:20:25 PM
trustu$25.00$25.0011/23/2009 4:20:54 PM
Syzygy$25.00$25.0011/23/2009 4:20:59 PM
cash-vault$25.00$25.0011/23/2009 4:21:40 PM
loanfairy$25.00$25.0011/23/2009 4:47:50 PM
integrity-spilunker$25.00$25.0011/23/2009 4:23:41 PM
ben10jen$25.00$25.0011/23/2009 4:24:08 PM
chlebie$50.00$50.0011/23/2009 4:24:40 PM
stollcm$25.00$25.0011/23/2009 4:47:38 PM
SnE$25.00$25.0011/23/2009 4:26:27 PM
serpentine$50.00$50.0011/23/2009 4:51:39 PM
cerebral-capital8$25.00$25.0011/23/2009 4:53:15 PM
BuffetRocks$50.00$50.0011/23/2009 4:31:00 PM
inforapenny$25.00$25.0011/23/2009 4:31:12 PM
ianakacg$25.00$25.0011/23/2009 4:31:20 PM
Rupees_n_Pesos$25.00$25.0011/23/2009 4:51:48 PM
Weaverville$25.00$25.0011/23/2009 4:31:42 PM
cyberie21$40.00$40.0011/23/2009 4:32:12 PM
blackstar$25.00$25.0011/23/2009 4:32:25 PM
NATIVEBORN$25.00$25.0011/23/2009 4:33:39 PM
transaction-aggregator7$25.00$25.0011/23/2009 4:55:44 PM
peso-colonel$25.00$25.0011/23/2009 4:54:11 PM
power-flow6$25.00$25.0011/23/2009 4:34:28 PM
ekmendenhall$25.00$25.0011/23/2009 4:56:27 PM
standanddeliver$25.00$25.0011/23/2009 4:34:42 PM
jybank$25.00$25.0011/23/2009 4:34:46 PM
roblender$25.00$25.0011/23/2009 4:56:03 PM
order-prospector$50.00$50.0011/23/2009 4:56:30 PM
minista$25.00$25.0011/23/2009 4:56:48 PM
jplatypus$25.00$25.0011/23/2009 5:06:03 PM
divemaster$25.00$25.0011/23/2009 5:06:34 PM
GMPK_TLAS$45.00$45.0011/23/2009 5:07:13 PM
Dia_Lucrii$25.00$25.0011/23/2009 5:05:55 PM
Vegasjim$25.00$25.0011/23/2009 5:06:22 PM
PaulW$25.00$25.0011/23/2009 5:06:35 PM
flexiboy35$25.00$25.0011/23/2009 5:06:51 PM
oskizzle$25.00$25.0011/23/2009 5:07:24 PM
mscomeaux$25.00$25.0011/23/2009 5:07:36 PM
special-truth$25.00$25.0011/23/2009 4:48:15 PM
tspyz$25.00$25.0011/23/2009 4:51:24 PM
CROBRUN$50.00$50.0011/23/2009 4:51:27 PM
Minotaur$36.00$36.0011/23/2009 4:51:38 PM
lounges$25.00$25.0011/23/2009 4:52:11 PM
worldly-community3$25.00$25.0011/23/2009 4:55:55 PM
AGSLending$25.00$25.0011/23/2009 4:56:19 PM
fireboss$100.00$100.0011/23/2009 5:06:09 PM
jenq0001$25.00$25.0011/23/2009 5:06:57 PM
hopethisworks$37.23$37.2311/23/2009 5:07:17 PM
leftwinger$25.00$25.0011/23/2009 5:07:28 PM
bikingbtb$25.00$25.0011/23/2009 5:07:35 PM
money-prophesy$100.00$100.0011/24/2009 8:37:54 AM
reflective-rupee$25.00$25.0011/23/2009 4:05:59 PM
YogaDude34$31.58$31.5811/23/2009 4:06:23 PM
booksleuth$50.00$50.0011/23/2009 4:04:28 PM
Sefotonga$25.00$25.0011/23/2009 4:04:57 PM
poeman$25.00$25.0011/23/2009 4:05:07 PM
amint17$25.00$25.0011/23/2009 4:05:44 PM
cash-boots$25.00$25.0011/23/2009 4:07:32 PM
tremendous-payment$25.00$25.0011/23/2009 4:10:28 PM
Diamond_Jim$25.00$25.0011/23/2009 4:08:24 PM
CarDealer3070$25.00$25.0011/23/2009 4:11:58 PM
czar3$30.00$30.0011/23/2009 4:12:08 PM
museic1$50.00$50.0011/23/2009 4:12:28 PM
leodaguy$25.00$25.0011/23/2009 4:10:00 PM
sharkm$25.00$25.0011/23/2009 4:10:09 PM
Cai8899$40.00$40.0011/23/2009 4:12:55 PM
lloyd_s$25.00$25.0011/23/2009 4:10:38 PM
WalnutCreekguy$33.00$33.0011/23/2009 4:13:06 PM
payout-achievement$40.00$40.0011/23/2009 4:11:49 PM
hitsman$50.00$50.0011/23/2009 4:14:16 PM
shrewd-deal$25.00$25.0011/23/2009 4:14:22 PM
Banker7371$25.00$25.0011/23/2009 4:15:12 PM
Dunndeal4u$25.00$25.0011/23/2009 4:13:31 PM
ryelk$25.00$25.0011/23/2009 4:16:03 PM
wrighco$25.00$25.0011/23/2009 4:15:22 PM
harperpotok$100.00$100.0011/23/2009 4:15:40 PM
don8ter$25.00$25.0011/23/2009 4:18:31 PM
mamayama$25.00$25.0011/23/2009 4:18:36 PM
ekn_enterprises$25.00$25.0011/23/2009 4:17:14 PM
hyetech$35.00$35.0011/23/2009 4:17:17 PM
Kansas$25.00$25.0011/23/2009 4:19:24 PM
CallMeBen$25.00$25.0011/23/2009 4:19:47 PM
ljay$25.00$25.0011/23/2009 4:18:50 PM
orderly-loot$25.00$25.0011/23/2009 4:20:16 PM
buddy486$25.00$25.0011/23/2009 4:20:36 PM
bigdogsafety1$25.00$25.0011/23/2009 4:21:18 PM
Floridian71$25.00$25.0011/23/2009 4:02:36 PM
HAVEANICEDAY$25.00$25.0011/23/2009 4:20:33 PM
doublediamond$25.00$25.0011/23/2009 4:21:48 PM
Hogpilot$25.00$25.0011/23/2009 4:20:43 PM
angelinvestor01$25.00$25.0011/23/2009 4:20:49 PM
IIP77$25.00$25.0011/23/2009 4:04:09 PM
skuba$25.00$25.0011/23/2009 4:04:35 PM
juiceman818$25.00$25.0011/23/2009 4:23:51 PM
Chakma$25.00$25.0011/23/2009 4:23:57 PM
money-explorer3$25.00$25.0011/23/2009 4:24:22 PM
zeraphm$25.00$25.0011/23/2009 4:24:29 PM
asalzma$25.00$25.0011/23/2009 4:24:51 PM
VentureExplorer$25.00$25.0011/23/2009 4:05:10 PM
Lesburger$25.00$25.0011/23/2009 4:25:04 PM
bluprntguy$25.00$25.0011/23/2009 4:26:00 PM
granitepk$25.00$25.0011/23/2009 4:24:04 PM
AhmedAMoussa$50.00$50.0011/23/2009 4:24:15 PM
anton$50.00$50.0011/23/2009 4:05:54 PM
redx$25.00$25.0011/23/2009 4:24:24 PM
The_Donald$25.00$25.0011/23/2009 4:24:35 PM
BlindJoeDeath$25.00$25.0011/23/2009 4:26:47 PM
useful-p2ploan$50.00$50.0011/23/2009 4:26:52 PM
friendly-return7$25.00$25.0011/23/2009 4:24:55 PM
Gabriel02$25.00$25.0011/23/2009 4:25:14 PM
Skiph$25.00$25.0011/23/2009 4:25:38 PM
desertoasis$25.00$25.0011/23/2009 4:07:19 PM
rakstar$25.00$25.0011/23/2009 4:25:42 PM
Chuck9802$25.00$25.0011/23/2009 4:26:11 PM
Palacios$50.00$50.0011/23/2009 4:30:16 PM
elevated-platinum5$50.00$50.0011/23/2009 4:30:28 PM
108lender$200.00$200.0011/23/2009 4:30:32 PM
brazilofmux$100.00$100.0011/23/2009 4:31:23 PM
GElender$50.00$50.0011/23/2009 4:29:40 PM
Interstate_Rate$500.00$500.0011/23/2009 4:30:01 PM
dollar-oracle55$25.00$25.0011/23/2009 4:31:59 PM
tallmon$25.00$25.0011/23/2009 4:09:55 PM
Carpetkid$25.00$25.0011/23/2009 4:30:50 PM
E_G$30.00$30.0011/23/2009 4:10:14 PM
ramblin$25.00$25.0011/23/2009 4:30:53 PM
galtsgulch$25.00$25.0011/23/2009 4:30:56 PM
carlover$25.00$25.0011/23/2009 4:32:39 PM
boater01$50.00$50.0011/23/2009 4:32:56 PM
Halos2002$50.00$50.0011/23/2009 4:32:59 PM
gracej$25.00$25.0011/23/2009 4:31:51 PM
Aquani$50.00$50.0011/23/2009 4:31:55 PM
educationfirst$25.00$25.0011/23/2009 4:32:02 PM
mizon291$25.00$25.0011/23/2009 4:32:21 PM
valiant-p2p$25.00$25.0011/23/2009 4:33:53 PM
miked8303$25.00$25.0011/23/2009 4:11:13 PM
internetwolf$25.00$25.0011/23/2009 4:32:30 PM
cheng$25.00$25.0011/23/2009 4:32:42 PM
currency-cigar4$25.00$25.0011/23/2009 4:11:22 PM
aldeed$25.00$25.0011/23/2009 4:33:16 PM
shingu79$50.00$50.0011/23/2009 4:34:40 PM
credit-kahuna$100.00$100.0011/23/2009 4:11:39 PM
fllender$25.00$25.0011/23/2009 4:33:37 PM
Havana21$50.00$50.0011/23/2009 4:12:06 PM
thumper64$30.00$30.0011/23/2009 4:34:13 PM
irrelevant$25.00$25.0011/23/2009 4:34:20 PM
return-elm$25.00$25.0011/23/2009 4:34:36 PM
Clambake$50.00$50.0011/23/2009 4:12:38 PM
slartibardfast$25.00$25.0011/23/2009 4:15:15 PM
syounker$25.00$25.0011/23/2009 4:15:43 PM
laudable-balance$25.00$25.0011/23/2009 4:18:46 PM
KVEER$25.00$25.0011/23/2009 4:18:57 PM
Macinvest$25.00$25.0011/23/2009 4:19:40 PM
Cheburashka$25.00$25.0011/23/2009 4:20:10 PM
tom48l$25.00$25.0011/23/2009 4:21:03 PM
meteoric-asset4$25.00$25.0011/23/2009 4:21:14 PM
pleasant-basis$25.00$25.0011/23/2009 4:21:38 PM
MakoF16$50.00$50.0011/23/2009 4:21:46 PM
3am-preacher$25.00$25.0011/23/2009 4:22:20 PM
revenue-serenity$25.00$25.0011/23/2009 4:47:45 PM
BrighterSuns$25.00$25.0011/23/2009 4:47:58 PM
Unclejohn$25.00$25.0011/23/2009 4:24:18 PM
profitable-durability6$25.00$25.0011/23/2009 4:24:26 PM
rvtbike$50.00$50.0011/23/2009 4:24:31 PM
gnar$25.00$25.0011/23/2009 4:24:38 PM
Lilred7879$50.00$50.0011/23/2009 4:25:01 PM
Velocity_Lenders$50.00$50.0011/23/2009 4:48:06 PM
Ivan2007$50.00$50.0011/23/2009 4:25:49 PM
TheoProf$25.00$25.0011/23/2009 4:26:42 PM
ArashMass$25.00$25.0011/23/2009 4:51:29 PM
888168$25.00$25.0011/23/2009 4:49:12 PM
stanbalwight4$25.00$25.0011/23/2009 4:52:06 PM
BayShell$40.00$40.0011/23/2009 4:28:32 PM
JSKUSN$25.00$25.0011/23/2009 4:50:22 PM
HeavyDriver03$25.00$25.0011/23/2009 4:29:38 PM
deal-pioneer1$25.00$25.0011/23/2009 4:29:42 PM
JohnGalt94$25.00$25.0011/23/2009 4:30:08 PM
payout-carnival$25.00$25.0011/23/2009 4:30:38 PM
beezling$40.00$40.0011/23/2009 4:30:42 PM
summerlander$25.00$25.0011/23/2009 4:51:02 PM
the-bright-velocity$50.00$50.0011/23/2009 4:30:44 PM
RochelleW$50.00$50.0011/23/2009 4:51:19 PM
Vess$25.00$25.0011/23/2009 4:51:25 PM
treasure-bliss$100.00$100.0011/23/2009 4:54:08 PM
roto$25.00$25.0011/23/2009 4:31:46 PM
equitable-camaraderi$25.00$25.0011/23/2009 4:52:14 PM
kulender$25.00$25.0011/23/2009 4:32:10 PM
community-pipeline8$50.00$50.0011/23/2009 4:54:52 PM
aasx1108$25.00$25.0011/23/2009 4:32:34 PM
Josta$50.00$50.0011/23/2009 4:32:45 PM
Sibelius2$25.00$25.0011/23/2009 4:32:47 PM
sensible-trade$25.00$25.0011/23/2009 4:32:55 PM
LoansomeRanger$25.00$25.0011/23/2009 4:53:13 PM
payout-point$50.00$50.0011/23/2009 4:33:07 PM
bid-chuckler$25.00$25.0011/23/2009 4:53:59 PM
credit-force5$25.00$25.0011/23/2009 4:33:51 PM
deal-kung-fu$25.00$25.0011/23/2009 4:54:12 PM
KiwiElf$25.00$25.0011/23/2009 4:34:04 PM
skiberdad$49.95$49.9511/23/2009 4:34:08 PM
Frenchynh$25.00$25.0011/23/2009 4:34:26 PM
money-prophesy$50.00$50.0011/23/2009 4:57:47 PM
HawaiiB$25.00$25.0011/23/2009 4:57:57 PM
Texas2020$56.20$56.2011/23/2009 4:56:07 PM
Funds2Loan$25.00$25.0011/23/2009 4:58:30 PM
DonkeyRider$25.00$25.0011/23/2009 5:05:50 PM
anders94$25.00$25.0011/23/2009 5:06:28 PM
CoolHelp$50.00$50.0011/23/2009 5:06:55 PM
zxw$50.00$50.0011/23/2009 5:07:11 PM
hermosaloan$25.00$25.0011/23/2009 5:07:22 PM
NR$25.00$25.0011/23/2009 4:58:12 PM
guaton$25.00$25.0011/23/2009 5:06:10 PM
mpatrick$50.00$50.0011/23/2009 5:06:18 PM
Cubsfan07$25.00$25.0011/23/2009 5:06:49 PM
ct641ct$50.00$50.0011/23/2009 5:07:15 PM
wdove511$25.00$25.0011/23/2009 4:49:59 PM
EPCapital$25.00$25.0011/23/2009 4:51:14 PM
teller$25.00$25.0011/23/2009 4:52:22 PM
mjdaking$25.00$25.0011/23/2009 4:52:37 PM
wise-bonus-honker$25.00$25.0011/23/2009 4:55:39 PM
Jopok$25.00$25.0011/23/2009 4:56:10 PM
orange-preeminant-bill$100.00$100.0011/23/2009 4:56:33 PM
impeccable-transparency$75.00$75.0011/23/2009 4:58:00 PM
leftcoast52$25.00$25.0011/23/2009 5:07:14 PM
caipira$25.00$25.0011/23/2009 5:07:26 PM
mkell43$25.00$19.0311/23/2009 5:07:38 PM
the-profit-oracle$25.00$25.0011/24/2009 8:54:37 AM
343 bids
 
Borrower Payment Dependent Notes Series 434968
This series of Notes was issued and sold upon the funding of the borrower loan #39710, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 24.98% Starting monthly payment: $37.76
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 23.89% Final monthly payment: $37.21
 
Auction yield range: 8.29% - 20.17% 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: 10 First credit line: Sep-1997 Debt/Income ratio: 24%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $7,975 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: balance-cocktail 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
Graduate Student Looking for Help
Hello, everybody. I am looking to see if I can find some help to make it through the next couple of months with my schooling. I'm very close (3 classes away) from getting my Masters in Public Administration, and I'm eagerly looking forward to that date. However, my current situation is putting me in a position where I need to make a choice between different essentials (books or rent? food or class?) based on some unforeseen expenses that have come my way.




I'm looking for $1000 to get everything on my ship righted and ready to sail towards my graduation. If anyone could help me out, it would be greatly appreciated. Thanks for taking the time to read this.
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)
djh47a$30.00$30.0011/23/2009 4:03:51 PM
Payasoup$45.54$45.5411/23/2009 4:04:13 PM
crazycool$35.00$35.0011/23/2009 4:04:25 PM
wise-cash-keeper$25.00$25.0011/23/2009 4:03:48 PM
GatorBux$74.45$74.4511/23/2009 4:03:52 PM
hard-working-loot$25.00$25.0011/23/2009 4:04:14 PM
booksleuth$50.00$50.0011/23/2009 4:04:26 PM
AF-Chief$35.00$12.4811/23/2009 4:04:46 PM
kginatl$50.06$50.0611/23/2009 4:53:54 PM
jybank$25.00$25.0011/23/2009 4:34:50 PM
vegaslender88$25.00$25.0011/23/2009 4:57:04 PM
hawk357$25.00$25.0011/23/2009 8:42:20 PM
SV-AZ$25.00$25.0011/23/2009 8:49:24 PM
IPG1$25.00$25.0011/23/2009 5:17:28 PM
EngineersAlliance$75.00$75.0011/23/2009 8:00:01 PM
foothillender$25.00$25.0011/24/2009 8:15:43 AM
BankofRon$25.00$25.0011/24/2009 9:26:12 AM
a275ranger$27.42$27.4211/23/2009 4:04:02 PM
my401K$100.00$100.0011/23/2009 4:04:12 PM
bonanza1973$25.00$25.0011/23/2009 4:03:54 PM
wise-spirited-nickel$25.00$25.0011/23/2009 4:04:39 PM
golden-yield$25.00$25.0011/23/2009 4:03:35 PM
capital-duckling$25.00$25.0011/23/2009 4:04:00 PM
skuba$25.00$25.0011/23/2009 4:04:37 PM
been_there$50.00$50.0011/23/2009 6:49:58 PM
Bank_Of_XL$50.00$50.0011/23/2009 9:26:28 PM
anarchy1985$25.00$25.0011/23/2009 5:51:44 PM
lakejunaluska$25.05$25.0511/23/2009 6:25:36 PM
28 bids
 
Borrower Payment Dependent Notes Series 435112
This series of Notes was issued and sold upon the funding of the borrower loan #39759, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5% Auction start date:  Nov-24-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 24.67% Starting borrower rate/APR: 25.67% / 27.99% Starting monthly payment: $260.75
Final lender yield: 22.60% Final borrower rate/APR: 23.60% / 25.89% Final monthly payment: $253.65
 
Auction yield range: 8.29% - 24.67% Estimated loss impact: 9.03%  
Lender servicing fee: 1.00% Estimated return: 13.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Mar-2002 Debt/Income ratio: 28%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $5,099 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: impeccable-coin4 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
Buying an Engagement Ring
Purpose of loan:
I am purchasing this ring to finally?propose to my wonderful girlfriend whom I have courted for the last 5 years.

My financial situation:
I am a good candidate for this loan because I have a high income with a montly supplemental VA disability. I ruined my credit several years ago by going into a debt consolidation plan and have several late payment?on my credit report, consequently. These blemishes still effect my credit four years later, so I turn to you.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Marsue$25.00$25.0011/24/2009 3:57:31 PM
salala$25.00$25.0011/24/2009 3:57:43 PM
punctual-worth$25.00$25.0011/24/2009 3:58:40 PM
GATrust$50.00$50.0011/24/2009 3:59:07 PM
portfolio-zone801$25.00$25.0011/24/2009 3:59:46 PM
SilverRain$25.00$25.0011/24/2009 4:01:16 PM
golden-cat$25.00$25.0011/24/2009 4:02:17 PM
greenback-visionary4$25.00$25.0011/24/2009 4:03:04 PM
jtradition$44.41$44.4111/24/2009 4:03:14 PM
money4free$25.00$25.0011/24/2009 4:03:27 PM
mmckune$25.00$25.0011/24/2009 4:01:31 PM
CaboWaboRobo$25.00$25.0011/24/2009 4:03:31 PM
hanuman77$44.33$44.3311/24/2009 4:04:03 PM
ISHLEP67$50.00$50.0011/24/2009 4:03:16 PM
DaveG56313$25.00$25.0011/24/2009 4:04:09 PM
siege01$25.00$25.0011/24/2009 4:03:25 PM
Warwick$25.00$25.0011/24/2009 4:05:15 PM
wildguy$25.00$25.0011/24/2009 4:04:17 PM
MissionMicroFinance$25.00$25.0011/24/2009 4:04:36 PM
keynaples$50.00$50.0011/24/2009 4:04:47 PM
noble-revenue$50.00$50.0011/24/2009 4:05:58 PM
sensible-trade$25.00$25.0011/24/2009 4:04:53 PM
SDKiwi$25.00$25.0011/24/2009 4:06:23 PM
the-money-gargantuan$25.00$25.0011/24/2009 4:05:01 PM
halothane_logic$25.00$25.0011/24/2009 4:06:10 PM
CPAMAN$25.00$25.0011/24/2009 4:05:17 PM
skro$25.00$25.0011/24/2009 4:07:08 PM
WilliamLeeSims$25.00$25.0011/24/2009 4:05:46 PM
selfmademan$25.00$25.0011/24/2009 4:06:54 PM
rlrcstr$25.00$25.0011/24/2009 4:05:49 PM
Toastsr$25.00$25.0011/24/2009 4:07:36 PM
Kreditorium$100.00$100.0011/24/2009 4:07:53 PM
lagnisiruk$25.00$25.0011/24/2009 4:08:23 PM
burgeoning-silver$25.00$25.0011/24/2009 4:08:37 PM
wrighco$25.00$25.0011/24/2009 4:08:46 PM
value-pole$25.00$25.0011/24/2009 4:08:55 PM
five-star-justice$36.00$36.0011/24/2009 4:07:21 PM
Maccs55$25.00$25.0011/24/2009 4:09:06 PM
affluence-tycoon$25.00$25.0011/24/2009 4:09:28 PM
ChrisTJ$25.00$25.0011/24/2009 4:08:04 PM
invisible_hand$50.00$50.0011/24/2009 4:08:10 PM
reflective-rupee$25.00$25.0011/24/2009 4:08:18 PM
brother_tam$50.00$50.0011/24/2009 4:08:32 PM
YogaDude34$25.00$25.0011/24/2009 4:10:08 PM
WalnutCreekguy$25.00$25.0011/24/2009 4:08:58 PM
booksleuth$50.00$50.0011/24/2009 4:10:40 PM
AvailableFunds$25.00$25.0011/24/2009 4:09:43 PM
takabanana$25.00$25.0011/24/2009 4:10:01 PM
SNH$50.00$50.0011/24/2009 4:11:55 PM
AF-Chief$25.00$25.0011/24/2009 4:10:35 PM
newbietony$25.00$25.0011/24/2009 4:12:09 PM
thestartuplender$35.00$35.0011/24/2009 4:12:13 PM
ZTA0796$25.00$25.0011/24/2009 4:12:19 PM
efficient-bid2$50.00$50.0011/24/2009 4:11:53 PM
Sefotonga$25.00$25.0011/24/2009 4:10:52 PM
quintilian$50.00$50.0011/24/2009 4:12:25 PM
chlebie$50.00$50.0011/24/2009 4:10:58 PM
Gibbyland$40.51$40.5111/24/2009 4:12:40 PM
gold-disk$50.00$50.0011/24/2009 4:12:55 PM
social-gatherer7$25.00$25.0011/24/2009 4:12:33 PM
get30inc$25.00$25.0011/24/2009 4:13:12 PM
fun2invest$25.00$25.0011/24/2009 4:12:59 PM
treasure-bliss$100.00$100.0011/24/2009 4:11:44 PM
yeti888$25.00$25.0011/24/2009 4:11:48 PM
orange-courageous-dedication$30.00$30.0011/24/2009 4:12:02 PM
dinero-mason$50.00$50.0011/24/2009 4:13:52 PM
melodious-fairness$25.00$25.0011/24/2009 4:12:04 PM
tallmon$25.00$25.0011/24/2009 4:13:58 PM
RationalWorld$25.00$25.0011/24/2009 4:12:28 PM
slartibardfast$25.00$25.0011/24/2009 4:13:56 PM
nowits10$25.00$25.0011/24/2009 4:12:38 PM
gizzywump$25.00$25.0011/24/2009 4:14:18 PM
Turtlebear44$25.00$25.0011/24/2009 4:14:02 PM
ClearLake$25.00$25.0011/24/2009 4:12:46 PM
tremendous-payment$25.00$25.0011/24/2009 4:14:35 PM
gold-sushi$25.00$25.0011/24/2009 4:14:39 PM
sharkm$25.00$25.0011/24/2009 4:14:28 PM
transaction-axis$25.00$25.0011/24/2009 4:14:33 PM
Hondo$25.00$25.0011/24/2009 4:13:06 PM
truth-eclair$25.00$25.0011/24/2009 4:14:50 PM
currency-cigar4$25.00$25.0011/24/2009 4:14:55 PM
swoosh$25.00$25.0011/24/2009 4:15:32 PM
iolaire$25.00$25.0011/24/2009 4:13:44 PM
Clambake$50.00$50.0011/24/2009 4:15:26 PM
benefit-squirrel$30.00$30.0011/24/2009 4:16:08 PM
agwosdof$50.00$50.0011/24/2009 4:16:17 PM
bchen78875$25.00$25.0011/24/2009 4:15:39 PM
shrewd-deal$25.00$25.0011/24/2009 4:16:20 PM
socialbanker$25.00$25.0011/24/2009 4:15:49 PM
dignified-finance$25.00$25.0011/24/2009 4:16:26 PM
CASHGIRL$75.00$75.0011/24/2009 4:14:36 PM
wiltonbound$25.00$25.0011/24/2009 4:16:14 PM
biobulator$25.00$25.0011/24/2009 4:14:43 PM
Banker7371$25.00$25.0011/24/2009 4:16:32 PM
payout-achievement$40.00$40.0011/24/2009 4:15:03 PM
czar3$30.00$30.0011/24/2009 4:15:12 PM
rolandweary$40.00$40.0011/24/2009 4:15:19 PM
chicco$80.00$80.0011/24/2009 4:15:45 PM
Dunndeal4u$25.00$25.0011/24/2009 4:15:54 PM
ThomasCrown$30.00$30.0011/24/2009 4:16:00 PM
andyb9$25.00$25.0011/24/2009 4:16:10 PM
reflective-rupee$25.00$25.0011/24/2009 4:19:59 PM
reflective-rupee$25.00$25.0011/24/2009 4:21:50 PM
jhouman$25.00$25.0011/24/2009 4:26:55 PM
reflective-rupee$50.00$50.0011/24/2009 4:29:46 PM
reflective-rupee$25.00$25.0011/24/2009 4:30:12 PM
Bob450$25.00$25.0011/24/2009 8:16:45 PM
tracyjo$25.00$25.0011/25/2009 5:38:36 AM
efficient-principal$25.00$25.0011/25/2009 9:36:51 AM
kginatl$25.00$25.0011/24/2009 3:57:25 PM
head$25.00$25.0011/24/2009 3:58:33 PM
ADIDASNO$25.00$25.0011/24/2009 4:00:27 PM
Cypher041$25.00$25.0011/24/2009 3:57:49 PM
five-star-note$25.00$25.0011/24/2009 4:02:04 PM
NATIVEBORN$25.00$25.0011/24/2009 4:01:40 PM
davidc314$37.34$37.3411/24/2009 4:03:36 PM
jgar_O$25.00$25.0011/24/2009 4:05:03 PM
deal-pioneer1$25.00$25.0011/24/2009 4:05:13 PM
MAYBROOK$25.00$25.0011/24/2009 4:04:52 PM
The_Lending_Muscle$25.00$25.0011/24/2009 4:05:39 PM
Palacios$50.00$50.0011/24/2009 4:04:45 PM
PatRichi$25.00$25.0011/24/2009 4:06:18 PM
fortytwo$50.00$50.0011/24/2009 4:07:44 PM
saffron4$25.00$25.0011/24/2009 4:07:57 PM
108lender$35.80$35.8011/24/2009 4:08:08 PM
SPB$25.00$25.0011/24/2009 4:08:21 PM
wise-extraordinary-loot$25.00$25.0011/24/2009 4:08:39 PM
VBAces$25.00$25.0011/24/2009 4:08:52 PM
unclejaef$25.00$25.0011/24/2009 4:07:15 PM
justice-dna$25.00$25.0011/24/2009 4:09:00 PM
forthright-trade$25.00$25.0011/24/2009 4:09:05 PM
lucrative-durability$25.00$25.0011/24/2009 4:08:01 PM
herman7$25.00$25.0011/24/2009 4:09:31 PM
lendme2$25.00$25.0011/24/2009 4:08:28 PM
leodaguy$25.00$25.0011/24/2009 4:08:30 PM
Artist_Blue$25.00$25.0011/24/2009 4:08:34 PM
charming-point$100.00$100.0011/24/2009 4:10:05 PM
skuba$25.00$25.0011/24/2009 4:10:43 PM
wise-spirited-nickel$50.00$50.0011/24/2009 4:10:46 PM
desertoasis$25.00$25.0011/24/2009 4:10:57 PM
hard-working-loot$25.00$25.0011/24/2009 4:10:49 PM
cassius84$25.00$25.0011/24/2009 4:09:58 PM
stanbalwight4$25.00$25.0011/24/2009 4:11:37 PM
personal-lender$25.00$25.0011/24/2009 4:11:57 PM
crazycool$25.00$25.0011/24/2009 4:10:37 PM
EnigmaNYC-29$25.00$25.0011/24/2009 4:12:00 PM
fair-funds$25.00$25.0011/24/2009 4:12:07 PM
the-profit-oracle$25.00$25.0011/24/2009 4:11:12 PM
mikeandcat$50.00$50.0011/24/2009 4:12:49 PM
VentureExplorer$25.00$25.0011/24/2009 4:12:53 PM
scoobiedoo$25.00$25.0011/24/2009 4:12:56 PM
ladyonthebay$25.00$25.0011/24/2009 4:12:31 PM
Sam65$25.00$25.0011/24/2009 4:13:01 PM
cash-boots$25.00$25.0011/24/2009 4:13:29 PM
lloyd_s$25.00$25.0011/24/2009 4:13:48 PM
heroic-benefit$50.00$50.0011/24/2009 4:13:54 PM
Buffer10$100.00$100.0011/24/2009 4:12:05 PM
DadWarbucks$25.00$25.0011/24/2009 4:12:15 PM
spitzbergen$25.00$25.0011/24/2009 4:14:05 PM
HarrisonHome$25.00$25.0011/24/2009 4:12:26 PM
honorable-yield$35.00$35.0011/24/2009 4:14:08 PM
wwwUniversal$25.00$25.0011/24/2009 4:12:30 PM
CarDealer3070$30.00$30.0011/24/2009 4:14:09 PM
dedicated-diversification5$100.00$100.0011/24/2009 4:14:00 PM
Havana21$50.00$50.0011/24/2009 4:14:03 PM
lend_to_you$25.00$25.0011/24/2009 4:14:25 PM
miked8303$25.00$25.0011/24/2009 4:14:12 PM
poeman$25.00$25.0011/24/2009 4:12:51 PM
E_G$30.00$30.0011/24/2009 4:14:30 PM
SkiFastBadly$25.00$25.0011/24/2009 4:13:03 PM
sloan$25.00$25.0011/24/2009 4:14:49 PM
mikrolown$25.00$25.0011/24/2009 4:14:53 PM
Lightlife$50.00$50.0011/24/2009 4:14:57 PM
Diamond_Jim$25.00$25.0011/24/2009 4:13:46 PM
bonus-buddy2$35.00$35.0011/24/2009 4:15:23 PM
yield-lion$25.00$25.0011/24/2009 4:15:28 PM
exact-justice$25.00$25.0011/24/2009 4:16:06 PM
RetiredATC$25.00$25.0011/24/2009 4:15:34 PM
Cai8899$40.00$40.0011/24/2009 4:15:36 PM
jeg3k$25.00$25.0011/24/2009 4:15:47 PM
rmachi$25.00$25.0011/24/2009 4:14:20 PM
rob1971$25.00$25.0011/24/2009 4:16:28 PM
xstreamin$25.00$25.0011/24/2009 4:15:58 PM
Dutchhunter$25.00$25.0011/24/2009 4:16:03 PM
MoneyU4IA$25.00$7.2711/24/2009 4:16:35 PM
hitsman$50.00$50.0011/24/2009 4:16:19 PM
credit-kahuna$100.00$100.0011/24/2009 4:15:00 PM
museic1$50.00$50.0011/24/2009 4:15:21 PM
youqianderen$50.00$50.0011/24/2009 4:15:52 PM
wayman$50.00$50.0011/24/2009 4:16:04 PM
robot777$40.00$40.0011/24/2009 4:22:57 PM
reflective-rupee$25.00$25.0011/24/2009 4:26:25 PM
caseattle$25.00$25.0011/24/2009 4:27:51 PM
Ven58$25.00$25.0011/24/2009 4:32:21 PM
felicity-daydream$50.00$50.0011/24/2009 8:33:49 PM
Bank_Of_XL$100.00$100.0011/24/2009 7:06:57 PM
stuy1998$29.34$29.3411/24/2009 8:33:07 PM
twjh$25.00$25.0011/25/2009 3:35:37 AM
building_community$25.00$25.0011/25/2009 12:10:35 PM
199 bids
 
Borrower Payment Dependent Notes Series 435154
This series of Notes was issued and sold upon the funding of the borrower loan #39669, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-24-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $98.13
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $97.37
 
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: 9 First credit line: Aug-2001 Debt/Income ratio: 14%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $13,674 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: rate-apricot 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
Bill Consolidation
Purpose of loan:
This loan will be used to? Pay off existing expenses.

My financial situation:
I am a good candidate for this loan because? I have great credit and have never made a late pay in my life.

Monthly net income: $ 1538.34

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 95
??Car expenses: $ 312.37
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 322
??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)
five-star-responsibility0$25.00$25.0011/24/2009 4:03:33 PM
kginatl$25.00$25.0011/24/2009 4:11:40 PM
mtp$50.00$50.0011/24/2009 4:11:23 PM
museic1$25.00$25.0011/24/2009 4:21:26 PM
Jassi$25.00$25.0011/24/2009 4:21:31 PM
bigballer105$25.00$25.0011/24/2009 4:21:43 PM
keke2000$25.00$25.0011/24/2009 4:21:48 PM
gizzywump$25.00$25.0011/24/2009 4:22:23 PM
repayment-chef$25.00$25.0011/24/2009 4:22:39 PM
the_winning_ticket$35.00$35.0011/24/2009 4:23:20 PM
leodaguy$25.00$25.0011/24/2009 4:23:15 PM
credit-investor5$100.00$100.0011/24/2009 4:21:38 PM
E_G$50.00$50.0011/24/2009 4:23:30 PM
a-responsible-return$25.00$25.0011/24/2009 4:23:45 PM
TakeCare$100.00$100.0011/24/2009 4:22:13 PM
miked8303$25.00$25.0011/24/2009 4:22:19 PM
bchen78875$50.00$50.0011/24/2009 4:24:07 PM
justice-dna$35.00$35.0011/24/2009 4:24:34 PM
MoneyU4IA$40.00$40.0011/24/2009 4:22:33 PM
GElender$50.00$50.0011/24/2009 4:24:49 PM
888168$50.00$50.0011/24/2009 4:24:55 PM
lend_to_you$50.00$50.0011/24/2009 4:23:08 PM
magical-greenback$55.00$55.0011/24/2009 4:25:15 PM
mikeandcat$50.00$50.0011/24/2009 4:25:20 PM
sharkm$25.00$25.0011/24/2009 4:23:26 PM
burgeoning-silver$25.00$25.0011/24/2009 4:23:35 PM
Attract$25.00$25.0011/24/2009 4:23:39 PM
fair-funds$25.00$25.0011/24/2009 4:25:58 PM
Artist_Blue$25.00$25.0011/24/2009 4:26:03 PM
lendacity$25.00$25.0011/24/2009 4:26:30 PM
the-money-gargantuan$25.00$25.0011/24/2009 4:26:34 PM
thestartuplender$50.00$50.0011/24/2009 4:26:36 PM
opt1mum$25.00$25.0011/24/2009 4:27:37 PM
affluence-tycoon$25.00$25.0011/24/2009 4:27:40 PM
Havana21$50.00$50.0011/24/2009 4:25:08 PM
money-prophesy$100.00$100.0011/24/2009 4:28:07 PM
kulender$25.00$25.0011/24/2009 4:25:24 PM
fireboss$25.00$25.0011/24/2009 4:28:21 PM
BankOfFrankFairness$50.00$50.0011/24/2009 4:25:34 PM
forthright-dedication$25.00$25.0011/24/2009 4:28:03 PM
Gnube$25.00$25.0011/24/2009 4:26:42 PM
DonaldColorado$25.00$25.0011/24/2009 4:26:48 PM
bigdogsafety1$25.00$10.0011/24/2009 4:30:22 PM
teller$60.00$60.0011/24/2009 4:27:03 PM
dinero-festivity2$50.00$50.0011/24/2009 4:27:09 PM
community-pipeline8$50.00$50.0011/24/2009 4:27:31 PM
Syndication$25.00$25.0011/24/2009 4:28:12 PM
natmonkey$25.00$25.0011/24/2009 4:28:37 PM
Syzygy$25.00$25.0011/24/2009 4:31:39 PM
Kerrysbay$25.00$25.0011/24/2009 4:11:16 PM
lucrative-worth$25.00$25.0011/24/2009 4:11:26 PM
ljay$25.00$25.0011/24/2009 4:11:21 PM
turbospeed$25.00$25.0011/24/2009 4:13:39 PM
proteinart$25.00$25.0011/24/2009 4:22:01 PM
Goodlender42$25.00$25.0011/24/2009 4:22:48 PM
Banker7371$25.00$25.0011/24/2009 4:22:53 PM
lloyd_s$25.00$25.0011/24/2009 4:23:02 PM
elevated-platinum5$25.00$25.0011/24/2009 4:21:21 PM
sidney102$25.00$25.0011/24/2009 4:21:57 PM
personal-lender$25.00$25.0011/24/2009 4:23:54 PM
Weaverville$25.00$25.0011/24/2009 4:24:01 PM
gracej$25.00$25.0011/24/2009 4:24:19 PM
Walkingcowboy$25.00$25.0011/24/2009 4:24:24 PM
hard-working-loot$25.00$25.0011/24/2009 4:22:27 PM
neighborly-hope6$100.00$100.0011/24/2009 4:24:31 PM
rmachi$25.00$25.0011/24/2009 4:24:39 PM
evnagelist$50.00$50.0011/24/2009 4:25:02 PM
Klearwater_Pools$25.00$25.0011/24/2009 4:25:28 PM
orange-courageous-dedication$40.00$40.0011/24/2009 4:25:47 PM
SNH$50.00$50.0011/24/2009 4:26:08 PM
trade-pragmatist$25.00$25.0011/24/2009 4:26:17 PM
honorable-yield$75.00$75.0011/24/2009 4:25:52 PM
trident9$50.00$50.0011/24/2009 4:24:29 PM
djs81$25.00$25.0011/24/2009 4:27:27 PM
mlkhamilton$25.00$25.0011/24/2009 4:27:59 PM
dinero-oasis$25.00$25.0011/24/2009 4:27:06 PM
gethsemane4$25.00$25.0011/24/2009 4:25:38 PM
summerlander$25.00$25.0011/24/2009 4:27:49 PM
AWTT$25.00$25.0011/24/2009 4:28:39 PM
portfolio-zone801$25.00$25.0011/24/2009 4:27:56 PM
NR$25.00$25.0011/24/2009 4:28:17 PM
SilverRain$25.00$25.0011/24/2009 4:28:32 PM
skvat$25.00$25.0011/24/2009 4:26:45 PM
ryreesado$25.00$25.0011/24/2009 4:27:14 PM
Pasagam$25.00$25.0011/24/2009 4:28:34 PM
wwwUniversal$25.00$25.0011/24/2009 5:07:36 PM
the-profit-oracle$25.00$25.0011/24/2009 5:26:08 PM
87 bids
 
Borrower Payment Dependent Notes Series 435186
This series of Notes was issued and sold upon the funding of the borrower loan #39683, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-24-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.42% Starting monthly payment: $124.62
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $122.81
 
Auction yield range: 8.29% - 20.17% 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-1998 Debt/Income ratio: 28%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $16,277 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: cash-buddy5 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
Helping my sister get a used car
Purpose of loan: My sister's car was repossessed with out notice or reason and I am trying to help her buy a used vehicle.? Case is going to court but that does not resolve the immediate need otherwise I would not request a loan. I plan on paying the monthly installment plus any additional I can afford to pay the loan off sooner. I have a credit card I can charge $2000 to as contingency, but need cash to purchase a vehicle from the classifieds.

My financial situation:
I am a good candidate for this loan because I take my debt and credit seriously and respect the financial institutions decision to provide an individual with a loan. I have not defaulted on any loans and traditionally pay them off early.

Monthly net income: $
4000
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 150
??Car expenses: $ 470
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200/Food
??Clothing, household expenses $50
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cozy-note$25.00$25.0011/24/2009 3:58:36 PM
portfolio-zone801$25.00$25.0011/24/2009 3:59:42 PM
gamp$25.00$25.0011/24/2009 3:59:51 PM
peaceful-trade$25.00$25.0011/24/2009 3:58:45 PM
roman2008$25.00$25.0011/24/2009 4:00:45 PM
SilverRain$25.00$25.0011/24/2009 4:01:13 PM
lounges$50.00$50.0011/24/2009 3:58:42 PM
cpaphoto$25.00$25.0011/24/2009 4:02:24 PM
cash-tsunami$25.00$25.0011/24/2009 4:02:54 PM
revenue-kazoo$25.00$25.0011/24/2009 4:02:29 PM
active-reward7$25.00$25.0011/24/2009 4:02:47 PM
courteous-deal8$25.00$25.0011/24/2009 4:03:29 PM
transparency-giant$25.00$25.0011/24/2009 4:02:18 PM
Sonos$25.00$25.0011/24/2009 4:03:19 PM
jdrez$25.00$25.0011/24/2009 4:02:22 PM
community-accelerator$500.00$500.0011/24/2009 4:03:23 PM
itsthomas$25.00$25.0011/24/2009 4:04:11 PM
contract-neutron$25.00$25.0011/24/2009 4:05:26 PM
alex189a$25.00$25.0011/24/2009 4:06:21 PM
kanakakm$25.00$25.0011/24/2009 4:04:59 PM
red-relentless-money$25.00$25.0011/24/2009 4:06:06 PM
TandyJames$25.00$25.0011/24/2009 4:05:06 PM
exuberant-pound$25.00$25.0011/24/2009 4:06:51 PM
lagnisiruk$25.00$25.0011/24/2009 4:08:25 PM
phaded$25.00$25.0011/24/2009 4:09:02 PM
elated-justice$25.00$25.0011/24/2009 4:09:11 PM
TMillard$25.00$25.0011/24/2009 4:09:25 PM
dly2007$25.00$25.0011/24/2009 4:09:38 PM
Lender0010$25.00$25.0011/24/2009 4:09:29 PM
adaptable-income$25.00$25.0011/24/2009 4:09:44 PM
Quaven$25.00$25.0011/24/2009 4:09:35 PM
Brainworm$25.00$25.0011/24/2009 4:10:10 PM
booksleuth$50.00$50.0011/24/2009 4:10:39 PM
bigwig633$25.00$25.0011/24/2009 4:09:09 PM
Sefotonga$25.00$25.0011/24/2009 4:10:51 PM
chlebie$50.00$50.0011/24/2009 4:10:59 PM
red-bid-authority$50.00$50.0011/24/2009 4:09:40 PM
AF-Chief$25.00$25.0011/24/2009 4:10:34 PM
desertoasis$25.00$25.0011/24/2009 4:10:56 PM
Int_PrinRateTime4000$25.52$25.5211/24/2009 4:11:04 PM
Hondo$25.00$14.4811/24/2009 4:11:09 PM
Marsue$25.00$25.0011/24/2009 3:57:39 PM
F16Pilot$25.00$25.0011/24/2009 3:57:58 PM
TaoPooh$25.00$25.0011/24/2009 4:01:47 PM
Diver25$25.00$25.0011/24/2009 4:01:53 PM
Speculator$25.00$25.0011/24/2009 4:00:52 PM
supreme-hope$25.00$25.0011/24/2009 4:01:01 PM
truth-futurist$25.00$25.0011/24/2009 4:02:20 PM
laredotornado$25.00$25.0011/24/2009 4:02:25 PM
trapper569$25.00$25.0011/24/2009 4:02:27 PM
Citytrustbankerguy$25.00$25.0011/24/2009 4:02:37 PM
duckbill_1972$25.00$25.0011/24/2009 4:02:42 PM
titan1$25.00$25.0011/24/2009 4:01:55 PM
elebovic$25.00$25.0011/24/2009 4:01:58 PM
shasta1$25.00$25.0011/24/2009 4:02:56 PM
bdloans$100.00$100.0011/24/2009 4:01:06 PM
love_what_you_do$25.00$25.0011/24/2009 4:02:08 PM
MissionMicroFinance$25.00$25.0011/24/2009 4:02:15 PM
petejones32$25.00$25.0011/24/2009 4:03:09 PM
silver-ace$50.00$50.0011/24/2009 4:03:17 PM
the-pal328$25.00$25.0011/24/2009 4:01:26 PM
loanfairy$25.00$25.0011/24/2009 4:01:48 PM
westend$25.00$25.0011/24/2009 4:01:50 PM
spirited-leverage$25.00$25.0011/24/2009 4:03:13 PM
five-star-note$35.00$35.0011/24/2009 4:04:23 PM
mstebnicki$25.00$25.0011/24/2009 4:02:30 PM
Minnechela$25.00$25.0011/24/2009 4:02:40 PM
funds-shaker8$25.00$25.0011/24/2009 4:02:44 PM
greenback-visionary4$25.00$25.0011/24/2009 4:03:02 PM
onlyastepaway$25.00$25.0011/24/2009 4:03:07 PM
SDNLR$25.00$25.0011/24/2009 4:05:36 PM
gentle-gold$25.00$25.0011/24/2009 4:05:56 PM
currency-trophy$25.00$25.0011/24/2009 4:06:04 PM
blue-liberty-gourd$25.00$25.0011/24/2009 4:05:28 PM
allamerathlete$25.00$25.0011/24/2009 4:06:30 PM
fortytwo$150.00$150.0011/24/2009 4:08:15 PM
forthright-trade$25.00$25.0011/24/2009 4:09:03 PM
Maccs55$25.00$25.0011/24/2009 4:09:08 PM
godsost$25.00$25.0011/24/2009 4:09:24 PM
ConcreteOne$25.00$25.0011/24/2009 4:09:41 PM
KnightKSU$25.00$25.0011/24/2009 4:09:32 PM
JDavidL$25.00$25.0011/24/2009 4:09:45 PM
KailuaLender$25.00$25.0011/24/2009 4:09:58 PM
wise-spirited-nickel$50.00$50.0011/24/2009 4:10:45 PM
hard-working-loot$25.00$25.0011/24/2009 4:10:47 PM
tmillerosu$25.00$25.0011/24/2009 4:09:12 PM
JonyWinter$50.00$50.0011/24/2009 4:11:02 PM
crowdetc$25.00$25.0011/24/2009 4:09:37 PM
bonus-patriot$50.00$50.0011/24/2009 4:10:06 PM
crazycool$25.00$25.0011/24/2009 4:10:38 PM
skuba$25.00$25.0011/24/2009 4:10:44 PM
jybank$25.00$25.0011/24/2009 4:30:04 PM
wwwUniversal$25.00$25.0011/24/2009 5:07:40 PM
Bob450$50.00$50.0011/24/2009 7:34:13 PM
Bank_Of_XL$50.00$50.0011/24/2009 7:05:02 PM
95 bids
 
Borrower Payment Dependent Notes Series 435338
This series of Notes was issued and sold upon the funding of the borrower loan #39717, 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-25-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 12.99% Starting borrower rate/APR: 13.99% / 14.34% Starting monthly payment: $341.73
Final lender yield: 12.75% Final borrower rate/APR: 13.75% / 14.10% Final monthly payment: $340.56
 
Auction yield range: 3.29% - 12.99% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 11.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1986 Debt/Income ratio: 38%
Credit score: 840-859 (Nov-2009) Current / open credit lines: 16 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:8y 2m
Amount delinquent: $0 Revolving credit balance: $12,924 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 20%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: impressive-integrity5 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
replacing boiler for heating system
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 provide your take home pay and list of all monthly expenses. Thanks. - exciting-fairness
A: I am paid biweekly and the take home amount (net) is $1368.35 (my spouse's biweekly net is $1860.00); Monthly expenses are mtg: $2100; student loan $136; auto Ins $430; food: $450; gas/elec&water:$180; car payment $245; gas $250; phone & internet $240 (Nov-26-2009)
Q: How much do you expect to save on your utility bill with these improvements? - jackdempsey
A: not sure, I have a boiler that is 24 years old and is about 75% efficent, and I am replacing it with a new one that should be about 92% efficent...if I save 15% on my heating bill that should be $28-37 a month or about $140-185 a heating season (Nov-26-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GoldLetters$50.00$50.0011/25/2009 1:58:03 PM
BorrowLend$25.00$25.0011/25/2009 1:59:31 PM
exciting-diversification2$25.00$25.0011/25/2009 1:59:29 PM
lucrative-worth$25.00$25.0011/25/2009 2:01:18 PM
bowdish1$50.00$50.0011/25/2009 2:04:51 PM
wise-cash-keeper$50.00$50.0011/25/2009 2:09:58 PM
investor_101$50.00$50.0011/25/2009 2:09:12 PM
greenbackologist$25.00$25.0011/25/2009 2:10:02 PM
five-star-responsibility0$25.00$25.0011/25/2009 2:09:40 PM
credit-investor5$100.00$100.0011/25/2009 2:15:40 PM
Borrow2Grow$51.00$51.0011/25/2009 2:13:39 PM
sidney102$25.00$25.0011/25/2009 2:15:51 PM
miked8303$25.00$25.0011/25/2009 2:16:00 PM
reflective-rupee$25.00$25.0011/25/2009 2:15:04 PM
lend_to_you$50.00$50.0011/25/2009 2:16:24 PM
sharkm$25.00$25.0011/25/2009 2:16:31 PM
burgeoning-silver$25.00$25.0011/25/2009 2:16:38 PM
keke2000$25.00$25.0011/25/2009 2:15:45 PM
Gunny89$25.00$25.0011/25/2009 2:15:50 PM
Weaverville$25.00$25.0011/25/2009 2:16:53 PM
TakeCare$100.00$100.0011/25/2009 2:15:58 PM
Walkingcowboy$25.00$25.0011/25/2009 2:17:04 PM
evnagelist$50.00$50.0011/25/2009 2:17:24 PM
MoneyU4IA$40.00$40.0011/25/2009 2:16:06 PM
lloyd_s$25.00$25.0011/25/2009 2:16:22 PM
mikeandcat$50.00$50.0011/25/2009 2:17:38 PM
the_winning_ticket$35.00$35.0011/25/2009 2:16:29 PM
vegaslender88$25.00$25.0011/25/2009 2:18:03 PM
Attract$25.00$25.0011/25/2009 2:16:42 PM
a-responsible-return$25.00$25.0011/25/2009 2:16:46 PM
personal-lender$25.00$25.0011/25/2009 2:16:50 PM
bchen78875$50.00$50.0011/25/2009 2:16:57 PM
gracej$25.00$25.0011/25/2009 2:17:03 PM
neighborly-hope6$49.71$49.7111/25/2009 2:17:10 PM
justice-dna$35.00$35.0011/25/2009 2:17:11 PM
rmachi$25.00$25.0011/25/2009 2:17:15 PM
888168$50.00$50.0011/25/2009 2:17:23 PM
forthright-dedication$25.00$25.0011/25/2009 2:19:07 PM
money-prophesy$100.00$100.0011/25/2009 2:19:09 PM
AF-Chief$35.00$35.0011/25/2009 2:17:31 PM
kulender$25.00$25.0011/25/2009 2:17:39 PM
Pasagam$25.00$25.0011/25/2009 2:19:21 PM
BankOfFrankFairness$50.00$50.0011/25/2009 2:17:47 PM
Artist_Blue$25.00$25.0011/25/2009 2:18:00 PM
the-money-gargantuan$25.00$25.0011/25/2009 2:18:16 PM
thestartuplender$50.00$50.0011/25/2009 2:18:20 PM
nostromo$25.00$25.0011/25/2009 2:20:13 PM
roccofox$50.00$50.0011/25/2009 2:20:17 PM
teller$60.00$60.0011/25/2009 2:18:34 PM
dinero-festivity2$50.00$50.0011/25/2009 2:18:44 PM
driver928$25.30$25.3011/25/2009 2:20:39 PM
affluence-tycoon$25.00$25.0011/25/2009 2:19:01 PM
djs81$25.00$25.0011/25/2009 2:18:56 PM
loan-machine1$25.00$25.0011/25/2009 2:20:50 PM
wealth-cloud$25.00$25.0011/25/2009 2:21:22 PM
tallmon$25.00$25.0011/25/2009 2:21:26 PM
natmonkey$25.00$25.0011/25/2009 2:19:23 PM
lucrative-durability$75.00$75.0011/25/2009 2:21:36 PM
verse99$25.00$25.0011/25/2009 2:22:01 PM
anacho4me$25.00$25.0011/25/2009 2:20:01 PM
wonderful-rupee$25.00$25.0011/25/2009 2:22:16 PM
Steveoo1$25.00$25.0011/25/2009 2:20:09 PM
payout-point$50.00$50.0011/25/2009 2:20:24 PM
syounker$25.00$25.0011/25/2009 2:22:29 PM
wampum-cocktail$25.00$25.0011/25/2009 2:20:29 PM
foxy-vigilance$25.00$25.0011/25/2009 2:20:27 PM
iLoaner$25.00$25.0011/25/2009 2:20:41 PM
skuba$50.00$50.0011/25/2009 2:20:47 PM
bid-promiser$25.00$25.0011/25/2009 2:20:51 PM
afotherg$25.00$25.0011/25/2009 2:21:00 PM
jpjones86$25.00$25.0011/25/2009 2:20:59 PM
silverloan$50.00$50.0011/25/2009 2:21:18 PM
amit_gu$50.00$50.0011/25/2009 2:21:32 PM
radiant-cash$36.82$36.8211/25/2009 2:21:41 PM
dionysus03$25.00$25.0011/25/2009 2:21:43 PM
toblerone$25.00$25.0011/25/2009 2:21:52 PM
johntina$50.00$50.0011/25/2009 2:21:48 PM
direct-platinum8$25.00$25.0011/25/2009 2:22:15 PM
economy-youngster$25.00$25.0011/25/2009 2:22:18 PM
Psalm1$50.00$50.0011/25/2009 2:22:27 PM
supreme-hope$25.00$25.0011/25/2009 2:22:36 PM
Ven58$25.00$25.0011/25/2009 2:22:44 PM
rakstar$36.60$36.6011/25/2009 2:43:18 PM
five-star-note$25.00$25.0011/25/2009 3:49:50 PM
1fortheroad$25.00$25.0011/25/2009 2:57:06 PM
371millwood$25.00$25.0011/25/2009 3:12:07 PM
racing777$25.00$25.0011/25/2009 3:31:58 PM
credit-coach118$45.00$45.0011/25/2009 4:07:55 PM
MidLifeCrisis$25.00$25.0011/25/2009 3:52:07 PM
pleasant-basis$25.00$25.0011/25/2009 3:51:57 PM
Bank42$50.00$50.0011/25/2009 4:32:03 PM
DukSerduk$25.00$25.0011/25/2009 3:57:30 PM
jmvingeorgia$25.00$25.0011/25/2009 4:47:23 PM
bold-enthralling-yield$25.00$25.0011/25/2009 5:52:51 PM
hannum$25.00$25.0011/25/2009 6:08:59 PM
Gadgetae86$25.00$25.0011/25/2009 5:21:56 PM
prudent-gain7$25.00$25.0011/25/2009 5:54:48 PM
truth-prospector$25.00$25.0011/25/2009 6:47:52 PM
blot44$25.00$25.0011/25/2009 7:30:58 PM
ALL-PRIME$25.00$25.0011/25/2009 7:37:15 PM
MAJESTIC5$49.53$49.5311/25/2009 7:46:56 PM
jasonj72$25.00$25.0011/25/2009 7:52:45 PM
TrixieD$25.00$25.0011/25/2009 8:07:27 PM
jameskdean$25.00$25.0011/25/2009 8:17:18 PM
supersarah61$25.00$25.0011/25/2009 8:57:22 PM
jackbauer$25.00$25.0011/25/2009 8:47:56 PM
zoomdrm57$47.41$47.4111/25/2009 10:43:54 PM
tearingstar$30.00$30.0011/25/2009 11:00:37 PM
gogmagog$25.00$25.0011/26/2009 12:37:02 AM
professional-finance$25.00$25.0011/26/2009 6:22:13 AM
exchange-achievement$25.00$25.0011/26/2009 6:42:22 AM
DLock99$50.00$50.0011/26/2009 5:34:12 AM
cjames84$25.00$25.0011/26/2009 7:42:15 AM
Tai$25.00$25.0011/26/2009 6:02:16 AM
Torch84$25.00$25.0011/26/2009 6:02:02 AM
cerebral-return3$25.00$25.0011/26/2009 6:17:19 AM
katnmouse$25.00$25.0011/26/2009 6:02:15 AM
gallant-camaraderi$25.00$25.0011/26/2009 6:51:55 AM
fighter7$50.00$50.0011/26/2009 9:07:00 AM
asset-prescription$25.00$25.0011/26/2009 9:07:14 AM
upc_tnt$25.00$25.0011/26/2009 8:35:56 AM
value-pouch$25.00$25.0011/26/2009 8:22:46 AM
agwosdof$49.72$49.7211/26/2009 9:07:07 AM
kenji4861$50.00$50.0011/26/2009 12:14:24 PM
FutureLenderEC$25.00$25.0011/26/2009 9:07:06 AM
Kelor99$25.00$25.0011/26/2009 12:44:16 PM
anton$25.00$25.0011/26/2009 12:47:10 PM
mtp$50.00$50.0011/26/2009 12:53:05 PM
loan-warrior$25.00$25.0011/26/2009 12:13:23 PM
mt3209$25.00$25.0011/26/2009 12:31:54 PM
SpectrumFinance$25.00$25.0011/26/2009 12:32:18 PM
forthright-social$25.00$25.0011/26/2009 3:14:45 PM
love_what_you_do$25.00$25.0011/26/2009 12:42:36 PM
cubesteak$25.00$25.0011/26/2009 12:12:59 PM
jla720$25.00$25.0011/26/2009 12:13:22 PM
special-truth$25.00$25.0011/26/2009 4:05:28 PM
ddoneday$25.00$25.0011/26/2009 4:29:37 PM
otter$25.00$25.0011/26/2009 12:32:00 PM
jackdempsey$200.00$200.0011/26/2009 2:28:58 PM
JTHarris$100.00$100.0011/26/2009 2:32:58 PM
Gold_Coin$25.00$25.0011/26/2009 3:57:25 PM
liederhaus$33.73$33.7311/26/2009 1:02:10 PM
Tom579$25.00$25.0011/26/2009 5:47:08 PM
morpholog$25.00$25.0011/26/2009 4:29:33 PM
Rogesparkguy$25.00$25.0011/26/2009 3:57:12 PM
Myrm$25.00$25.0011/25/2009 1:59:30 PM
GoldLetters$50.00$50.0011/25/2009 1:58:04 PM
Kerrysbay$25.00$25.0011/25/2009 2:01:03 PM
ljay$25.00$25.0011/25/2009 2:01:01 PM
kginatl$50.02$50.0211/25/2009 2:05:54 PM
fireboss$100.00$100.0011/25/2009 2:04:38 PM
loaninvesting$25.00$25.0011/25/2009 2:04:49 PM
banker65010$25.00$25.0011/25/2009 2:09:13 PM
Cheburashka$30.00$30.0011/25/2009 2:09:44 PM
moola-rose8$25.00$25.0011/25/2009 2:09:54 PM
epit$25.00$25.0011/25/2009 2:09:59 PM
REBizGuy$50.00$50.0011/25/2009 2:09:24 PM
mansne$25.00$25.0011/25/2009 2:09:20 PM
kanakakm$50.00$50.0011/25/2009 2:10:00 PM
rate-mogul$25.00$25.0011/25/2009 2:10:46 PM
bigdogsafety1$25.00$25.0011/25/2009 2:12:42 PM
YDBXMHC$25.00$25.0011/25/2009 2:12:37 PM
jey6941$25.00$25.0011/25/2009 2:15:48 PM
Banker7371$25.00$25.0011/25/2009 2:16:16 PM
elevated-platinum5$25.00$25.0011/25/2009 2:15:30 PM
museic1$25.00$25.0011/25/2009 2:15:35 PM
bigballer105$25.00$25.0011/25/2009 2:15:42 PM
E_G$50.00$50.0011/25/2009 2:16:35 PM
trident9$50.00$50.0011/25/2009 2:17:08 PM
hard-working-loot$25.00$25.0011/25/2009 2:16:04 PM
gizzywump$25.00$25.0011/25/2009 2:16:02 PM
repayment-chef$25.00$25.0011/25/2009 2:16:08 PM
leodaguy$25.00$25.0011/25/2009 2:16:26 PM
gethsemane4$25.00$25.0011/25/2009 2:17:49 PM
trade-pragmatist$25.00$25.0011/25/2009 2:18:04 PM
Gnube$25.00$25.0011/25/2009 2:18:22 PM
dinero-oasis$25.00$25.0011/25/2009 2:18:37 PM
ryreesado$25.00$25.0011/25/2009 2:18:48 PM
deal-kung-fu$25.00$25.0011/25/2009 2:18:52 PM
opt1mum$25.00$25.0011/25/2009 2:18:59 PM
GElender$50.00$50.0011/25/2009 2:17:20 PM
iansays1$25.00$25.0011/25/2009 2:17:16 PM
portfolio-zone801$25.00$25.0011/25/2009 2:19:02 PM
mlkhamilton$25.00$25.0011/25/2009 2:19:04 PM
newbietony$40.00$40.0011/25/2009 2:17:26 PM
Havana21$50.00$50.0011/25/2009 2:17:28 PM
Syndication$25.00$25.0011/25/2009 2:19:12 PM
Klearwater_Pools$25.00$25.0011/25/2009 2:17:43 PM
magical-greenback$55.00$55.0011/25/2009 2:17:33 PM
orange-courageous-dedication$40.00$40.0011/25/2009 2:17:50 PM
fair-funds$25.00$25.0011/25/2009 2:17:53 PM
sociallender$25.00$25.0011/25/2009 2:18:07 PM
lendacity$25.00$25.0011/25/2009 2:18:10 PM
SNH$50.00$50.0011/25/2009 2:18:02 PM
cozy-note$100.00$100.0011/25/2009 2:20:06 PM
skvat$25.00$25.0011/25/2009 2:18:24 PM
DonaldColorado$25.00$25.0011/25/2009 2:18:27 PM
diversification-viking$25.00$25.0011/25/2009 2:20:25 PM
community-pipeline8$50.00$50.0011/25/2009 2:18:57 PM
cash-boots$25.00$25.0011/25/2009 2:21:04 PM
CommerciaLender$25.00$25.0011/25/2009 2:21:16 PM
NR$25.00$25.0011/25/2009 2:19:14 PM
ptjg$100.00$100.0011/25/2009 2:19:26 PM
kchen486$25.00$25.0011/25/2009 2:21:19 PM
SilverRain$25.00$25.0011/25/2009 2:19:19 PM
Dollarhide$25.00$25.0011/25/2009 2:19:30 PM
Kaj$30.00$30.0011/25/2009 2:21:27 PM
the-bright-velocity$50.00$50.0011/25/2009 2:22:03 PM
phillipd48$25.00$25.0011/25/2009 2:22:14 PM
inforapenny$25.00$25.0011/25/2009 2:22:20 PM
desertoasis$25.00$25.0011/25/2009 2:20:16 PM
ytjameslee$50.00$50.0011/25/2009 2:20:20 PM
AndersenWatcher$25.00$25.0011/25/2009 2:20:32 PM
BzJ108$25.00$25.0011/25/2009 2:20:35 PM
salala$25.00$25.0011/25/2009 2:20:45 PM
jd006006$50.00$50.0011/25/2009 2:20:48 PM
open-minded-finance1$25.00$25.0011/25/2009 2:28:00 PM
oskizzle$25.00$25.0011/25/2009 2:21:35 PM
admirable-wealth$25.00$25.0011/25/2009 2:21:40 PM
lowcostmoney$25.00$25.0011/25/2009 2:21:42 PM
worldly-kindness8$25.00$25.0011/25/2009 2:21:45 PM
mrfish15$25.00$25.0011/25/2009 2:22:08 PM
income-fortress$200.00$200.0011/25/2009 2:22:00 PM
rjleves$25.00$25.0011/25/2009 2:22:23 PM
speyer$25.00$25.0011/25/2009 2:22:26 PM
CASHGIRL$49.45$49.4511/25/2009 2:22:30 PM
best-deal-banker$50.00$50.0011/25/2009 2:22:31 PM
Lancasterdust$25.00$25.0011/25/2009 3:31:57 PM
all_of_that_one$25.00$25.0011/25/2009 2:22:50 PM
SDNLR$25.00$25.0011/25/2009 2:28:53 PM
JCMC$25.00$25.0011/25/2009 3:47:19 PM
bonus-patriot$50.00$50.0011/25/2009 2:42:35 PM
caseattle$25.00$25.0011/25/2009 3:16:58 PM
best-decisive-peace$25.00$25.0011/25/2009 3:37:47 PM
patriot384$100.00$100.0011/25/2009 4:16:25 PM
Mowine4me$25.00$25.0011/25/2009 4:47:08 PM
wrighco$25.00$25.0011/25/2009 4:47:10 PM
impartial-deal$25.00$25.0011/25/2009 5:57:14 PM
Bank_Of_XL$100.00$28.7511/25/2009 5:11:38 PM
worthy-truth$25.00$25.0011/25/2009 5:52:54 PM
LALO79$25.00$25.0011/25/2009 5:42:52 PM
uofm2007$34.18$34.1811/25/2009 6:41:58 PM
open-wealth492$25.00$25.0011/25/2009 7:12:27 PM
the-greenback-bunny$25.74$25.7411/25/2009 6:47:41 PM
dinero-elevator$50.00$50.0011/25/2009 7:35:14 PM
DocMan07$30.00$30.0011/25/2009 6:57:03 PM
Yankeeeagle$25.00$25.0011/25/2009 8:07:44 PM
aasx1108$25.00$25.0011/25/2009 7:32:08 PM
Yotaman$25.00$25.0011/25/2009 8:24:54 PM
subtle-interest$25.00$25.0011/25/2009 8:57:23 PM
uncleegg$25.00$25.0011/26/2009 12:42:01 AM
winter-vigilance$25.00$25.0011/25/2009 8:57:21 PM
shellback13$25.00$25.0011/25/2009 8:57:20 PM
Jassi$25.00$25.0011/25/2009 10:34:43 PM
wdove511$25.00$25.0011/26/2009 5:27:21 AM
loner001$25.00$25.0011/26/2009 6:02:05 AM
Northsider$25.00$25.0011/26/2009 1:07:01 AM
truth-smasher$25.00$25.0011/26/2009 6:41:05 AM
Skiph$25.00$25.0011/26/2009 6:52:00 AM
Dreams4Cash$25.00$25.0011/26/2009 6:01:58 AM
KamiKen$25.00$25.0011/26/2009 6:02:09 AM
antlr$25.00$25.0011/26/2009 7:57:01 AM
ddamenace$25.00$25.0011/26/2009 6:02:08 AM
Int_PrinRateTime4000$32.04$32.0411/26/2009 9:07:04 AM
bigphish$25.00$25.0011/26/2009 8:12:06 AM
Loansforlife$25.00$25.0011/26/2009 7:42:16 AM
BankofRon$25.00$25.0011/26/2009 9:42:09 AM
thedreamer$25.00$25.0011/26/2009 8:58:37 AM
metro457$25.00$25.0011/26/2009 9:07:03 AM
transaction-expert$25.00$25.0011/26/2009 9:07:13 AM
equitable-basis$25.00$25.0011/26/2009 8:58:27 AM
serpentine$50.00$50.0011/26/2009 9:07:01 AM
steady-dime$200.00$200.0011/26/2009 9:17:06 AM
vegibenz$25.00$25.0011/26/2009 12:31:59 PM
djh47a$40.00$40.0011/26/2009 9:50:46 AM
hellasow$30.00$30.0011/26/2009 11:46:29 AM
screen23$25.00$25.0011/26/2009 1:25:38 PM
wise-spirited-nickel$25.00$25.0011/26/2009 12:13:21 PM
aguru54$25.00$25.0011/26/2009 1:27:11 PM
jybank$25.00$25.0011/26/2009 11:22:27 AM
iolaire$25.00$25.0011/26/2009 1:38:54 PM
silktea$25.00$25.0011/26/2009 1:53:49 PM
aquaskiiier$25.00$25.0011/26/2009 12:32:20 PM
evmeta$25.00$25.0011/26/2009 12:41:57 PM
Hondo$25.00$25.0011/26/2009 12:12:57 PM
sellbuy40$25.00$25.0011/26/2009 3:57:11 PM
beakerfish$50.00$50.0011/26/2009 12:30:17 PM
unassuming-note$25.00$25.0011/26/2009 1:27:10 PM
tisiphone$25.00$25.0011/26/2009 4:32:01 PM
IndianChief$25.00$25.0011/26/2009 2:36:54 PM
MTLoans$25.00$25.0011/26/2009 2:51:56 PM
transaction-aggregator7$25.00$25.0011/26/2009 5:27:00 PM
mindful-contract2$25.00$25.0011/26/2009 1:10:00 PM
jack1729$25.00$25.0011/26/2009 5:27:05 PM
saffron4$25.00$25.0011/26/2009 3:57:13 PM
295 bids
 
Borrower Payment Dependent Notes Series 256875
This series of Notes was issued and sold upon the funding of the borrower loan #39739, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 7.69% Starting borrower rate/APR: 8.69% / 9.03% Starting monthly payment: $158.28
Final lender yield: 6.20% Final borrower rate/APR: 7.20% / 7.54% Final monthly payment: $154.84
 
Auction yield range: 3.29% - 7.69% 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: Oct-1993 Debt/Income ratio: 9%
Credit score: 840-859 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $6,149 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: ThomasTrain 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 840-859 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
820-839 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Refinanace Credit Card Debt
Purpose of loan:
This loan will be used to refinance a credit card with an expiring 0% balance transfer (the LAST of my revolving Credit Debt) The current balance is $6915.? In addition to this loan I will be making a lump sum payment of $1915.

I would prefer not paying another balance transfer fee, or having to go back to a card that jacked my rate up for no reason.

My financial situation:
I am a good candidate for this loan because i have net income of 5200 a month with expenses of:

Mortage: 1919
Car Payment: 435
Insurance :160
Cable: 150
Food: 400
Current debt maintenance: 182
Mobile Phone: 90
Utilities: 300
Savings: 100
available: for discretionary spending 1400

My current payment for this credit card will be less than this loan which would free that cash flow and allow me to increase my savings.
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)
rdrloan$25.00$25.0011/17/2009 5:10:44 PM
DonaldColorado$25.00$25.0011/17/2009 5:11:10 PM
gizzywump$25.00$25.0011/17/2009 5:14:03 PM
MoneyU4IA$40.00$40.0011/17/2009 5:14:22 PM
antlr$25.00$25.0011/17/2009 5:14:10 PM
zoomdrm57$50.00$50.0011/17/2009 5:14:15 PM
first-wampum-trapper$25.00$25.0011/17/2009 5:14:18 PM
repayment-chef$25.00$25.0011/17/2009 5:14:26 PM
lloyd_s$25.00$25.0011/17/2009 5:15:00 PM
burgeoning-silver$25.00$25.0011/17/2009 5:16:23 PM
slartibardfast$35.00$35.0011/17/2009 5:19:28 PM
greenbackologist$25.00$25.0011/17/2009 5:20:12 PM
rmachi$25.00$25.0011/17/2009 5:20:17 PM
iansays1$25.00$25.0011/17/2009 5:20:31 PM
GElender$50.00$50.0011/17/2009 5:20:41 PM
neighborly-hope6$100.00$100.0011/17/2009 5:20:07 PM
justice-dna$35.00$35.0011/17/2009 5:20:09 PM
five-star-justice$36.00$36.0011/17/2009 5:20:59 PM
bonus-patriot$25.00$25.0011/17/2009 5:20:46 PM
tallmon$25.00$25.0011/17/2009 5:21:48 PM
tolstoy00$25.00$25.0011/17/2009 5:23:21 PM
Mr_Marcus$50.00$50.0011/17/2009 5:24:19 PM
swiftsoul$25.00$25.0011/17/2009 5:12:08 PM
five-star-note$25.00$25.0011/17/2009 5:13:42 PM
wrighco$25.00$25.0011/17/2009 5:13:45 PM
lucrative-worth$25.00$25.0011/17/2009 5:13:48 PM
emo13$50.00$50.0011/17/2009 5:13:51 PM
hard-working-loot$25.00$25.0011/17/2009 5:14:12 PM
Cai8899$75.00$75.0011/17/2009 5:14:49 PM
leodaguy$25.00$25.0011/17/2009 5:15:57 PM
the_winning_ticket$35.00$35.0011/17/2009 5:16:01 PM
E_G$50.00$50.0011/17/2009 5:16:17 PM
Weaverville$25.00$25.0011/17/2009 5:19:43 PM
economy-balance$25.00$25.0011/17/2009 5:21:04 PM
evnagelist$50.00$50.0011/17/2009 5:22:44 PM
mikeandcat$50.00$50.0011/17/2009 5:24:20 PM
GeoLender$25.00$25.0011/18/2009 7:33:29 PM
Spiv_51$25.00$25.0011/20/2009 2:17:23 AM
FundMaker$25.00$25.0011/20/2009 2:46:10 PM
MoneyTree79$50.00$50.0011/20/2009 6:47:09 PM
trekkie3po$32.62$32.6211/20/2009 7:54:56 PM
JerryB96$25.00$25.0011/21/2009 8:08:09 AM
springpanda$50.00$50.0011/21/2009 1:25:58 PM
TheMoneyVault$25.00$25.0011/20/2009 8:20:53 PM
JohnSmith10$50.00$50.0011/22/2009 12:30:44 PM
ydm$25.00$25.0011/21/2009 4:45:13 AM
Bogdan$50.00$50.0011/22/2009 8:59:25 AM
Dollars4Rent$25.00$25.0011/21/2009 8:51:57 AM
jmainc$25.00$25.0011/23/2009 6:33:41 AM
Share-the-wealth$100.00$100.0011/23/2009 6:47:58 AM
kind-funds-tonic$25.00$25.0011/22/2009 5:40:57 PM
Kelor99$25.00$25.0011/23/2009 6:18:52 AM
elegant-bonus$25.00$25.0011/23/2009 4:32:20 PM
chuck05$25.00$25.0011/23/2009 4:46:23 PM
authoritative-social$25.00$25.0011/23/2009 7:17:12 PM
AsianDragon$50.00$50.0011/23/2009 11:57:10 PM
cashasaurus0$100.00$100.0011/24/2009 5:07:55 AM
atlas100$50.00$50.0011/24/2009 6:46:43 AM
kulender$100.00$100.0011/24/2009 7:25:18 AM
malcolmreynolds$25.00$25.0011/24/2009 8:12:20 AM
SchaeferJ$25.00$25.0011/24/2009 11:07:31 AM
jtoms101$202.67$202.6711/24/2009 11:20:12 AM
impartial-deal$50.00$50.0011/24/2009 11:37:43 AM
jybank$25.00$25.0011/24/2009 12:09:52 PM
MoneyForNothing$25.00$25.0011/24/2009 3:09:46 PM
wild-orange$200.00$200.0011/24/2009 3:22:38 PM
dmitriy2$25.00$25.0011/24/2009 3:51:52 PM
prudent-gain7$25.00$25.0011/24/2009 4:51:24 PM
sidney102$25.00$25.0011/17/2009 5:13:31 PM
TakeCare$100.00$100.0011/17/2009 5:13:55 PM
miked8303$25.00$25.0011/17/2009 5:14:00 PM
Goodlender42$25.00$25.0011/17/2009 5:14:27 PM
lend_to_you$50.00$50.0011/17/2009 5:15:51 PM
cash-boots$30.00$30.0011/17/2009 5:15:43 PM
a-responsible-return$25.00$25.0011/17/2009 5:19:33 PM
bchen78875$50.00$50.0011/17/2009 5:19:46 PM
BlindProphet$25.00$25.0011/17/2009 5:19:51 PM
Walkingcowboy$25.00$25.0011/17/2009 5:20:00 PM
personal-lender$25.00$25.0011/17/2009 5:19:38 PM
gracej$25.00$25.0011/17/2009 5:19:55 PM
SNH$50.00$50.0011/17/2009 5:20:48 PM
Zarf$50.00$50.0011/17/2009 5:22:46 PM
newbietony$40.00$40.0011/17/2009 5:22:52 PM
Havana21$50.00$50.0011/17/2009 5:22:54 PM
johannesfactotum$25.00$25.0011/17/2009 5:22:47 PM
AF-Chief$35.00$35.0011/17/2009 5:23:43 PM
magical-greenback$55.00$55.0011/17/2009 5:24:13 PM
Speculator$25.00$25.0011/17/2009 5:24:43 PM
trade-doughnut5$25.00$25.0011/17/2009 5:25:06 PM
a-shiny-dime$25.00$25.0011/17/2009 5:13:04 PM
Banker7371$25.00$25.0011/17/2009 5:14:33 PM
sharkm$25.00$25.0011/17/2009 5:16:10 PM
Attract$25.00$25.0011/17/2009 5:19:32 PM
trident9$50.00$50.0011/17/2009 5:20:04 PM
888168$50.00$50.0011/17/2009 5:21:42 PM
anton$50.00$50.0011/17/2009 5:24:31 PM
don8ter$60.00$60.0011/17/2009 5:24:58 PM
kulender$25.00$10.8911/17/2009 5:25:09 PM
Personal-Bond$50.00$50.0011/18/2009 11:31:34 AM
penny-gatherer0$25.00$25.0011/18/2009 11:48:02 AM
shellstar$42.04$42.0411/18/2009 11:57:54 AM
blot44$100.00$100.0011/17/2009 8:30:26 PM
GeoLender$25.00$25.0011/18/2009 7:33:10 PM
The-Lighthouse-Group$25.00$25.0011/19/2009 3:19:44 AM
Patrician$40.59$40.5911/19/2009 1:03:23 PM
hellasow$50.00$50.0011/20/2009 1:47:00 AM
maineyankee$25.00$25.0011/20/2009 2:16:58 PM
BANKIN$30.76$30.7611/21/2009 7:46:07 PM
robinw777$25.00$25.0011/22/2009 3:51:22 PM
Dollars4Rent$25.00$25.0011/21/2009 8:51:39 AM
Astyanax$25.00$25.0011/23/2009 9:34:23 AM
caseattle$25.00$25.0011/23/2009 4:26:51 PM
jpblan11$25.57$25.5711/23/2009 4:29:25 PM
Snoopylover$25.00$25.0011/23/2009 5:18:31 PM
principal-kung-fu$25.00$25.0011/23/2009 5:34:05 PM
anacho4me$25.00$25.0011/23/2009 5:36:47 PM
busybee999$25.00$25.0011/23/2009 6:21:05 PM
markandrosie$30.86$30.8611/23/2009 6:22:52 PM
YummiBear$25.00$25.0011/23/2009 6:17:26 PM
redtilapia$25.00$25.0011/23/2009 8:28:21 PM
djmjkelso$25.00$25.0011/24/2009 12:34:00 AM
BankofPaul$70.00$70.0011/24/2009 5:45:59 AM
lavb23$25.00$25.0011/24/2009 7:51:32 AM
the-profit-oracle$25.00$25.0011/24/2009 8:42:13 AM
Digs$25.00$25.0011/24/2009 9:38:07 AM
kf88$25.00$25.0011/24/2009 11:14:28 AM
bossyboots01$25.00$25.0011/24/2009 1:09:43 PM
tfarms$50.00$50.0011/24/2009 2:48:51 PM
stockcop$50.00$50.0011/24/2009 5:04:56 PM
toocautious$38.00$38.0011/24/2009 5:05:16 PM
130 bids
 
Borrower Payment Dependent Notes Series 283613
This series of Notes was issued and sold upon the funding of the borrower loan #39704, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $237.54
Final lender yield: 29.90% Final borrower rate/APR: 30.90% / 33.29% Final monthly payment: $236.20
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.75%  
Lender servicing fee: 1.00% Estimated return: 19.15%  
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-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Nov-2009) Current / open credit lines: 12 / 12Employment status:Self-employed
Now delinquent: 0 Total credit lines: 30Length of status:7y 6m
Amount delinquent: $0 Revolving credit balance: $7,756 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: FortWorthTexas Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest loans.
Purpose of loan:
This loan will be used to pay off high interest business loans.?

My financial situation:
I am a good candidate for this loan because I have been in business for myself for almost eight years.? Each year the business has grown from the previous year.? My business has steady income from regular, long term clients.? I am a responsible small-business owner and conduct my business with honesty and integrity. I appreciate your consideration .

Monthly net income: $ 10000

Monthly expenses: $ 5960
??Housing: $ 2380
??Insurance: $ 400
??Car expenses: $ 1200
??Utilities: $ 430
??Phone, cable, internet: $ 150
??Food, entertainment: $?800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe the nature of your business is some detail. thanks - reflective-rupee
A: I own a commercial photography business. My company specializes in real estate photography and stock photos. Thanks. (Nov-19-2009)
Q: Please list all of your personal debts (ie, those not related to your business). thanks - reflective-rupee
A: My personal monthly expenses are shown in the listing. They include my home, cars, credit cards, etc. Thanks. (Nov-20-2009)
Q: Please indicate the annual revenue and net income for your business. Please indicate the total debt on your business, and list any significant assets of the business. Please answer publicly. thanks - reflective-rupee
A: 2008 Annual revenue $158000 2008 Net Income $121000 2009 estimated Annual revenue $165000 2009 estimated Net Income $124500 Assets include all photography equipment (cameras, lenses, tripods, etc.), computer equipment and printers for photo processing, office equipment, etc. (Nov-20-2009)
Q: Please list the principal balances (and interest rates)l of your personal debts (ie, those not related to your business). thanks - reflective-rupee
A: Mortgage $388,000 @ 5.875% Credit card balance approximately $8000 APR varies between 15-29% Auto Loan $26,000 @ 7% (Nov-20-2009)
Q: Please list the outstanding principal on any debt related to your business and the interest rate(s) for such debt. thanks - reflective-rupee
A: Small Business Loan balance of approximately $7500 at 35% (Nov-20-2009)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
well-mannered-income3$25.00$25.0011/19/2009 8:05:10 AM
reflective-rupee$25.00$25.0011/20/2009 8:50:57 PM
reflective-rupee$50.00$50.0011/20/2009 8:50:46 PM
kindness-jedi$25.00$25.0011/22/2009 12:20:35 PM
exciting-fairness$200.00$200.0011/23/2009 4:50:31 AM
well-mannered-income3$50.00$50.0011/23/2009 11:34:30 AM
kindness-jedi$25.00$25.0011/22/2009 12:20:47 PM
forthright-dedication$25.00$25.0011/23/2009 9:47:44 AM
bonus-patriot$50.00$50.0011/23/2009 12:33:24 PM
pietro_torna_indietro$50.00$50.0011/23/2009 12:52:44 PM
lendme2$28.83$28.8311/23/2009 8:18:00 PM
carmat60$25.00$25.0011/23/2009 11:24:23 PM
reciprocate$100.00$100.0011/24/2009 10:45:54 AM
shrewd-income$25.00$25.0011/24/2009 5:05:27 PM
WMY-Investor$250.00$250.0011/24/2009 4:37:35 PM
CaliforniaSun$25.00$25.0011/24/2009 6:28:37 PM
Tizzo27$100.00$100.0011/24/2009 7:11:08 PM
leverage-hawk$25.00$25.0011/24/2009 6:11:24 PM
Loanstou$125.00$125.0011/24/2009 7:43:45 PM
p2p-gala$25.00$25.0011/24/2009 8:20:04 PM
prominence8$35.00$35.0011/24/2009 9:10:25 PM
hillerod$25.00$25.0011/24/2009 8:15:53 PM
unger$100.00$100.0011/25/2009 3:23:16 AM
Gaelicman$75.00$75.0011/24/2009 10:22:04 PM
MrLeft$25.00$25.0011/25/2009 6:52:15 AM
PotBellyPete$75.00$75.0011/25/2009 7:59:26 AM
OGS_Capital$25.00$25.0011/25/2009 8:17:09 AM
leverage-monger$100.00$100.0011/25/2009 7:55:05 AM
icon7$35.00$35.0011/25/2009 6:37:04 AM
sharp518$25.00$25.0011/25/2009 7:47:49 AM
leverage-monger$100.00$100.0011/25/2009 9:26:41 AM
beemersdad$25.00$25.0011/25/2009 8:39:28 AM
Bob450$25.00$25.0011/25/2009 10:40:20 AM
euro-mirth$25.00$25.0011/25/2009 8:57:04 AM
Pu239$50.00$50.0011/25/2009 9:01:33 AM
Astyanax$50.00$50.0011/25/2009 11:50:03 AM
jhjoe$25.00$25.0011/25/2009 11:49:28 AM
The_Collector$37.59$37.5911/25/2009 2:12:44 PM
dorypro$52.00$52.0011/25/2009 2:20:01 PM
flyboy42$50.00$50.0011/25/2009 2:21:13 PM
Peterman$100.00$100.0011/25/2009 3:28:41 PM
asdf9876$100.00$100.0011/25/2009 3:03:40 PM
innovator2$30.00$30.0011/25/2009 3:55:34 PM
ZOOOM$35.06$35.0611/25/2009 3:52:04 PM
innovator2$30.22$30.2211/25/2009 3:56:32 PM
investment-visionary$50.00$50.0011/19/2009 3:55:50 PM
bonbon224$50.00$50.0011/20/2009 10:08:30 AM
finance-vault$25.00$25.0011/20/2009 8:07:12 PM
cashhelp$25.00$25.0011/22/2009 12:09:39 PM
grotheik$25.00$25.0011/22/2009 11:34:32 AM
kindness-jedi$75.00$75.0011/22/2009 12:20:24 PM
dkhonda$75.00$75.0011/22/2009 1:39:34 PM
lender12345$25.00$25.0011/22/2009 6:39:43 PM
well-mannered-income3$50.00$50.0011/22/2009 6:48:03 PM
pietro_torna_indietro$50.00$50.0011/23/2009 12:52:11 PM
SFBank$200.00$200.0011/22/2009 6:13:43 PM
well-mannered-income3$50.00$50.0011/22/2009 7:21:28 PM
TakeCare$200.00$200.0011/22/2009 8:45:29 PM
well-mannered-income3$50.00$50.0011/23/2009 8:09:28 PM
1traveler$25.00$25.0011/23/2009 11:16:49 PM
inspired-basis$50.00$50.0011/24/2009 4:03:39 AM
vivacious-p2p3$25.00$25.0011/24/2009 8:35:26 AM
brightest-useful-social$25.00$25.0011/24/2009 10:46:27 AM
bestloanrate$50.00$50.0011/24/2009 11:28:08 AM
Gregger$36.84$36.8411/24/2009 2:39:08 PM
penny-surgeon$25.00$25.0011/24/2009 2:43:28 PM
lib5836$25.00$25.0011/24/2009 3:25:31 PM
jybank$25.00$25.0011/24/2009 11:12:15 PM
Gaelicman$75.00$75.0011/24/2009 10:22:30 PM
sparkling-contract7$25.00$25.0011/25/2009 5:30:05 AM
EngineerUSMC$101.00$101.0011/24/2009 9:31:43 PM
freedom3$200.00$200.0011/25/2009 4:09:29 AM
rockymtbob$25.00$25.0011/25/2009 7:41:31 AM
prudent-gain7$25.00$25.0011/25/2009 8:30:37 AM
umfan123$25.00$25.0011/25/2009 6:24:55 AM
oreyedoc$50.00$50.0011/25/2009 7:56:53 AM
Peterman$100.00$100.0011/25/2009 8:12:36 AM
durability-colonel$50.00$50.0011/25/2009 8:34:07 AM
payout-reaction740$25.00$25.0011/25/2009 10:30:12 AM
371millwood$100.00$100.0011/25/2009 10:56:57 AM
credit-coach118$35.00$35.0011/25/2009 9:41:00 AM
stephen_c01$25.00$25.0011/25/2009 10:14:12 AM
realtormoises$25.00$25.0011/25/2009 10:17:55 AM
carrinel$50.00$50.0011/25/2009 11:47:24 AM
pani5ue$25.00$25.0011/25/2009 12:59:09 PM
carrinel$200.00$200.0011/25/2009 11:46:40 AM
monstersdad$47.90$47.9011/25/2009 12:03:50 PM
aztec$100.00$100.0011/25/2009 1:26:37 PM
rakey$25.00$25.0011/25/2009 12:38:30 PM
fireferd$150.00$150.0011/25/2009 2:11:28 PM
five-star-note$25.00$25.0011/25/2009 2:12:29 PM
bss97603$50.00$50.0011/25/2009 2:52:31 PM
LAKETIME$25.00$25.0011/25/2009 3:23:12 PM
just-trade0$36.00$13.8211/25/2009 3:36:54 PM
loss-of-control$100.00$100.0011/25/2009 3:49:12 PM
professional-finance$25.00$25.0011/25/2009 3:53:32 PM
Engineer44$31.74$31.7411/25/2009 3:56:34 PM
97 bids
 
Borrower Payment Dependent Notes Series 402435
This series of Notes was issued and sold upon the funding of the borrower loan #39729, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 27.49% Starting borrower rate/APR: 28.49% / 30.85% Starting monthly payment: $312.22
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $303.98
 
Auction yield range: 11.29% - 27.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
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: Jan-2000 Debt/Income ratio: 15%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:9y 11m
Amount delinquent: $0 Revolving credit balance: $9,971 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: wow2001 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?pay off credit cards?

My financial situation:
I am a good candidate for this loan because? I have a full time job and may be able to pay 1000 a month.

Monthly net income: $ 40000-50000

Monthly expenses: $
??Housing: $ 150
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please explain your net monthly income. I presume you meant to $4,000 - $5,000, not $40,000 - $50,000. I?d like to know why there is a range given (i.e. commission). - stockcop
A: Yes, my monthly income is between $40,000 to $50,000 (Nov-22-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
zone8$100.00$100.0011/16/2009 4:28:50 PM
five-star-note$35.00$35.0011/16/2009 4:27:41 PM
wildguy$25.00$25.0011/16/2009 4:27:46 PM
SweetHoneyPot$25.00$25.0011/16/2009 4:31:20 PM
ChrisTJ$25.00$25.0011/16/2009 4:32:56 PM
reflective-rupee$25.00$25.0011/16/2009 4:32:18 PM
gustavzantanon$50.00$50.0011/16/2009 4:32:28 PM
CASHGIRL$25.00$25.0011/16/2009 4:36:57 PM
dinero-mason$50.00$50.0011/16/2009 4:37:18 PM
slartibardfast$25.00$25.0011/16/2009 4:37:33 PM
Turtlebear44$25.00$25.0011/16/2009 4:37:53 PM
puifais$25.00$25.0011/16/2009 4:38:16 PM
treasure-bliss$50.00$50.0011/16/2009 4:37:46 PM
bonus-patriot$25.00$25.0011/16/2009 4:40:15 PM
CarDealer3070$30.00$30.0011/16/2009 4:38:06 PM
108lender$75.00$75.0011/16/2009 4:40:49 PM
jazz619$25.00$25.0011/16/2009 4:40:55 PM
truth-eclair$25.00$25.0011/16/2009 4:41:02 PM
3am-preacher$25.00$25.0011/16/2009 4:30:56 PM
YogaDude34$25.00$25.0011/16/2009 4:32:38 PM
SPB$25.00$25.0011/16/2009 4:33:36 PM
AF-Chief$25.00$25.0011/16/2009 4:49:40 PM
888168$25.00$25.0011/16/2009 4:50:44 PM
FasTruk$25.00$25.0011/16/2009 4:36:30 PM
jhouman$25.00$25.0011/16/2009 4:51:18 PM
social-gatherer7$25.00$25.0011/16/2009 4:37:11 PM
ben10jen$25.00$25.0011/16/2009 4:51:47 PM
dedicated-diversification5$65.00$65.0011/16/2009 4:37:41 PM
leodaguy$25.00$25.0011/16/2009 4:49:43 PM
greenwell$25.00$25.0011/16/2009 4:52:26 PM
nowits10$25.00$25.0011/16/2009 4:49:48 PM
Banker7371$25.00$25.0011/16/2009 4:49:51 PM
GMPK_TLAS$25.00$25.0011/16/2009 4:52:33 PM
miked8303$25.00$25.0011/16/2009 4:38:15 PM
Artist_Blue$25.00$25.0011/16/2009 4:50:06 PM
rmachi$25.00$25.0011/16/2009 4:38:22 PM
affluence-tycoon$25.00$25.0011/16/2009 4:38:28 PM
Orringo$25.00$25.0011/16/2009 4:53:05 PM
wrighco$25.00$25.0011/16/2009 4:51:10 PM
delivery$25.00$25.0011/16/2009 4:51:35 PM
fcb202$25.00$25.0011/16/2009 4:51:58 PM
reflective-rupee$25.00$25.0011/16/2009 4:55:33 PM
beezling$52.00$52.0011/16/2009 4:53:09 PM
loan-master996$50.00$50.0011/16/2009 4:53:11 PM
sloan$25.00$25.0011/16/2009 4:40:58 PM
lendme2$25.00$25.0011/16/2009 4:49:11 PM
efficient-bid2$25.00$25.0011/16/2009 4:49:15 PM
well-mannered-income3$25.00$25.0011/16/2009 4:50:02 PM
Poiny$25.00$25.0011/16/2009 4:51:55 PM
fareast_man$25.00$25.0011/16/2009 4:52:08 PM
SNH$50.00$50.0011/16/2009 4:52:49 PM
Matt555555$25.00$25.0011/16/2009 4:54:12 PM
anton$25.00$22.2511/16/2009 4:54:42 PM
doctorgrab$76.00$76.0011/16/2009 7:45:15 PM
seineil$50.00$50.0011/17/2009 1:17:48 AM
felicity-daydream$25.00$25.0011/17/2009 12:27:53 PM
Helenska11$25.00$25.0011/17/2009 7:34:19 PM
LarryNY$25.00$25.0011/18/2009 12:38:56 PM
reflective-rupee$25.00$25.0011/18/2009 1:49:06 PM
reflective-rupee$25.00$25.0011/18/2009 1:49:20 PM
reflective-rupee$36.00$36.0011/18/2009 3:45:56 PM
reflective-rupee$25.00$25.0011/19/2009 10:14:14 AM
reflective-rupee$25.00$25.0011/19/2009 10:14:33 AM
lendme2$75.00$75.0011/19/2009 10:26:06 AM
Scubadiver$50.00$50.0011/19/2009 6:29:31 AM
reflective-rupee$25.00$25.0011/19/2009 10:15:58 AM
UCLA4life$25.00$25.0011/19/2009 1:03:37 PM
GCSS$25.00$25.0011/19/2009 10:56:04 AM
bold-attentive-listing$50.00$50.0011/19/2009 7:00:05 PM
BBL$25.00$25.0011/19/2009 6:39:56 PM
safe-money5$25.00$25.0011/20/2009 7:32:46 AM
LarWit1512$25.00$25.0011/20/2009 12:55:31 PM
aultraman$25.00$25.0011/20/2009 10:34:47 AM
meers2000$25.00$25.0011/20/2009 5:01:47 PM
photo999$25.00$25.0011/20/2009 7:04:28 PM
stockcop$25.00$25.0011/20/2009 7:27:39 PM
p2p-gala$50.00$50.0011/20/2009 5:59:00 PM
Gaelicman$50.00$50.0011/20/2009 6:49:06 PM
credit-sasquatch3$25.00$25.0011/20/2009 11:48:15 AM
maga$100.00$100.0011/20/2009 12:23:28 PM
bid-papyrus$25.00$25.0011/20/2009 12:55:15 PM
kindness-jedi$75.00$75.0011/20/2009 1:50:04 PM
durability-colonel$50.00$50.0011/21/2009 6:39:54 AM
Ambassador$25.00$25.0011/21/2009 7:16:02 AM
value-crusader5$25.00$25.0011/20/2009 4:48:57 PM
SkyLoan$25.00$25.0011/20/2009 8:01:59 PM
LendingHelper$100.00$100.0011/20/2009 8:04:25 PM
vivacious-p2p3$25.00$25.0011/22/2009 10:51:14 AM
innovator2$100.00$100.0011/21/2009 9:59:08 AM
panthernoelle$25.00$25.0011/21/2009 10:40:04 AM
payout-magician$50.00$50.0011/21/2009 5:54:01 PM
newbietony$25.00$25.0011/23/2009 9:41:08 AM
privatebankerva$25.00$25.0011/23/2009 8:23:27 AM
Laxa$25.00$25.0011/21/2009 9:20:27 PM
RMorrison$25.00$25.0011/23/2009 8:54:13 AM
ChrisKwan$25.00$25.0011/23/2009 9:28:15 AM
bondo41$25.00$25.0011/23/2009 10:45:09 AM
Kissabledevil$50.00$50.0011/23/2009 2:20:01 PM
innovator2$50.00$50.0011/22/2009 6:21:36 PM
Snoopylover$25.00$25.0011/23/2009 6:09:39 AM
leverage-monger$100.00$100.0011/23/2009 9:34:25 AM
Peterman$50.00$50.0011/23/2009 10:09:10 AM
MrLeft$50.00$50.0011/23/2009 10:32:48 AM
Pages$25.00$25.0011/23/2009 11:23:55 AM
PotBellyPete$75.00$75.0011/23/2009 11:32:43 AM
leverage-monger$200.00$200.0011/23/2009 4:19:54 PM
division177$25.00$25.0011/23/2009 4:11:37 PM
fortytwo$50.00$50.0011/16/2009 4:32:29 PM
djh47a$25.00$25.0011/16/2009 4:33:04 PM
Diamond_Jim$25.00$25.0011/16/2009 4:37:02 PM
lloyd_s$25.00$25.0011/16/2009 4:37:17 PM
treasure-transporter$25.00$25.0011/16/2009 4:37:44 PM
Havana21$50.00$50.0011/16/2009 4:37:57 PM
honorable-yield$35.00$35.0011/16/2009 4:38:02 PM
heroic-benefit$25.00$25.0011/16/2009 4:37:26 PM
unclejaef$25.00$25.0011/16/2009 4:38:11 PM
gizzywump$25.00$25.0011/16/2009 4:38:19 PM
income-rocker2$250.00$250.0011/16/2009 4:39:24 PM
desertoasis$25.00$25.0011/16/2009 4:32:24 PM
rob1971$25.00$25.0011/16/2009 4:49:25 PM
get30inc$25.00$25.0011/16/2009 4:51:03 PM
mtquan$25.00$25.0011/16/2009 4:51:13 PM
louisianalender$100.00$100.0011/16/2009 4:51:40 PM
charming-point$100.00$100.0011/16/2009 4:37:29 PM
tallmon$25.00$25.0011/16/2009 4:37:37 PM
Cash_Angel$25.00$25.0011/16/2009 4:52:21 PM
spitzbergen$25.00$25.0011/16/2009 4:38:02 PM
hard-working-loot$25.00$25.0011/16/2009 4:50:01 PM
MissionMicroFinance$25.00$25.0011/16/2009 4:52:41 PM
brother_tam$50.00$50.0011/16/2009 4:50:05 PM
personal-lender$25.00$25.0011/16/2009 4:52:54 PM
burgeoning-silver$25.00$25.0011/16/2009 4:50:15 PM
People-for-people$50.00$50.0011/16/2009 4:53:27 PM
wise-extraordinary-loot$25.00$25.0011/16/2009 4:51:00 PM
GElender$25.00$25.0011/16/2009 4:51:22 PM
secobarbital$25.00$25.0011/16/2009 4:51:27 PM
value-pole$25.00$25.0011/16/2009 4:52:00 PM
PayItForward09$25.00$25.0011/16/2009 4:52:17 PM
justice-dna$25.00$25.0011/16/2009 4:52:39 PM
penny-surgeon$25.00$25.0011/16/2009 4:53:42 PM
VBAces$25.00$25.0011/16/2009 4:51:21 PM
JGB$25.00$25.0011/16/2009 4:52:06 PM
pietro_torna_indietro$25.00$25.0011/16/2009 4:52:25 PM
WalnutCreekguy$25.00$25.0011/16/2009 4:52:32 PM
reflective-rupee$50.00$50.0011/16/2009 4:56:00 PM
scarlet-velvet$25.00$25.0011/16/2009 6:53:00 PM
unk1911$25.00$25.0011/17/2009 10:54:10 AM
fair-funds2$50.00$50.0011/17/2009 10:46:59 AM
peaceful-farmer$25.00$25.0011/17/2009 5:18:23 PM
reflective-rupee$25.00$25.0011/18/2009 1:48:25 PM
reflective-rupee$25.00$25.0011/18/2009 1:48:45 PM
reflective-rupee$50.00$50.0011/18/2009 3:32:52 PM
reflective-rupee$50.00$50.0011/18/2009 3:41:52 PM
scarlet-velvet$25.00$25.0011/18/2009 8:48:49 AM
summoner3$50.00$50.0011/18/2009 2:29:50 PM
wwwUniversal$25.00$25.0011/18/2009 3:17:02 PM
reflective-rupee$50.00$50.0011/18/2009 3:41:00 PM
mercuriant$25.00$25.0011/19/2009 9:36:31 AM
reflective-rupee$25.00$25.0011/19/2009 10:14:51 AM
reflective-rupee$25.00$25.0011/19/2009 10:15:09 AM
Toby1montana$50.00$50.0011/19/2009 4:41:52 PM
finance-vault$25.00$25.0011/19/2009 7:11:58 PM
investment-visionary$25.00$25.0011/19/2009 3:35:21 PM
daekpon$25.00$25.0011/20/2009 3:47:08 PM
MoneyTree79$33.81$33.8111/20/2009 6:45:31 PM
unafraid-nickel$25.00$25.0011/20/2009 8:05:32 PM
Peterman$50.00$50.0011/20/2009 9:17:46 PM
leverage-monger$200.00$200.0011/21/2009 10:21:20 AM
mespeedy36$25.00$25.0011/21/2009 10:47:21 AM
nethosters$25.00$25.0011/21/2009 12:17:55 PM
sly718$147.56$147.5611/21/2009 8:05:30 PM
FASTIZIO_P$33.33$33.3311/20/2009 6:00:12 PM
Laima$25.00$25.0011/21/2009 6:00:34 PM
a-finance-nirvana$100.00$100.0011/22/2009 5:15:47 AM
jcw3rd$25.00$25.0011/20/2009 6:34:04 PM
checzwick$25.00$25.0011/22/2009 6:12:03 AM
sturdy-benjamins$25.00$25.0011/20/2009 7:38:20 PM
jamiee73$25.00$25.0011/22/2009 10:26:32 AM
credit-coach118$25.00$25.0011/22/2009 8:32:10 AM
excheesehead$75.00$75.0011/22/2009 8:47:10 AM
CatbirdBanking$25.00$25.0011/21/2009 11:50:13 AM
shalofin$76.00$76.0011/21/2009 12:46:06 PM
exciting-power$25.00$25.0011/23/2009 7:02:29 AM
winger66$31.87$31.8711/23/2009 7:45:35 AM
Maksimus$32.18$32.1811/21/2009 8:51:41 PM
deal-kung-fu$50.00$50.0011/22/2009 6:58:34 AM
adventurous-exchange8$35.00$35.0011/22/2009 7:00:26 AM
b-rent$25.00$25.0011/23/2009 12:37:09 PM
coolnatkat$25.00$25.0011/23/2009 11:31:27 AM
umfan123$25.00$25.0011/23/2009 3:44:09 PM
Feyenoord$25.00$25.0011/22/2009 5:29:27 PM
forthright-dedication$25.00$25.0011/22/2009 8:22:34 PM
Cashlender1992$25.00$25.0011/23/2009 5:30:08 AM
Pu239$50.00$50.0011/23/2009 8:28:51 AM
prominence8$33.00$33.0011/23/2009 9:17:13 AM
efficient-bid2$25.00$25.0011/23/2009 1:02:32 PM
relentless-gain3$25.00$25.0011/23/2009 3:54:58 PM
Engineer44$26.00$26.0011/23/2009 4:21:25 PM
198 bids
 
Borrower Payment Dependent Notes Series 417067
This series of Notes was issued and sold upon the funding of the borrower loan #39745, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 15.09% Starting borrower rate/APR: 16.09% / 18.27% Starting monthly payment: $158.41
Final lender yield: 14.20% Final borrower rate/APR: 15.20% / 17.37% Final monthly payment: $156.44
 
Auction yield range: 6.29% - 15.09% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Jul-1968 Debt/Income ratio: 16%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 8 / 6Employment status:Retired
Now delinquent: 0 Total credit lines: 14Length of status:7y 10m
Amount delinquent: $0 Revolving credit balance: $1,512Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 20% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: zztopdog Borrower's state: Missouri Borrower's group: Renewed Financial Horizons
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: 1 / 1 On-time: 22 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
660-679 (Dec-2007)
 
Principal balance: $1,350.91 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
buy out my snow removal biz partner
Purpose of loan:
This loan will be used to?
buy out my snow removal business partner,who has lost his full time job and is moving to take care of his elderly parents
My financial situation:
I am a good candidate for this loan because? I get over 3,000 a mo. from Ford retirement and social security.
I have made timely payments on a previous prosper loan for a year and 6months and I usually have $900 to$1,000 after my bills each mo.Also I have paid down over $8.000 on my credit cards in the last 18 months By jan.1st they will all be paid off.
Monthly net income: $ 3100

Monthly expenses: $ 2100
??Housing: $ 440
??Insurance: $?400??Car expenses: $ pd?off
??Utilities: $ 100
??Phone, cable, internet: $ 160
??Food, entertainment: $ 400
??Clothing, household expenses $?100
??Credit cards and other loans: $?400??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)
dloan$25.00$25.0011/16/2009 4:26:38 PM
CallMeBen$25.00$25.0011/16/2009 5:03:01 PM
bdruss$25.00$25.0011/16/2009 4:47:40 PM
drcoop$25.00$25.0011/16/2009 5:01:42 PM
Aberdeen$300.00$300.0011/16/2009 5:03:24 PM
blot44$25.00$25.0011/16/2009 8:09:17 PM
SPADES$50.00$50.0011/18/2009 9:31:46 AM
ussugm$25.00$25.0011/19/2009 8:55:51 AM
appcoder$35.00$35.0011/19/2009 1:26:07 PM
estancias$25.00$25.0011/20/2009 1:20:56 AM
groovychick$25.00$25.0011/20/2009 8:08:12 AM
building_community$25.00$25.0011/20/2009 5:02:38 PM
LoanDMC$25.00$25.0011/21/2009 8:55:35 AM
TravisMcGee$30.00$30.0011/21/2009 7:57:27 AM
omahajay$50.00$50.0011/21/2009 3:00:30 PM
mbf2234$35.00$35.0011/20/2009 4:59:34 PM
VaVMer$26.00$26.0011/21/2009 7:10:57 PM
flwah$25.00$25.0011/20/2009 5:01:49 PM
Bito03$25.00$25.0011/22/2009 8:20:58 AM
unclemalcolm$50.00$50.0011/22/2009 4:28:42 PM
blackbear$100.00$100.0011/22/2009 6:38:48 PM
zzztimbo$65.57$65.5711/22/2009 12:39:14 PM
return-elm$25.00$25.0011/21/2009 9:09:46 AM
Leshan$75.00$75.0011/23/2009 7:10:52 AM
payout-reaction740$25.00$25.0011/23/2009 10:08:47 AM
BuzzyBee336$25.00$25.0011/23/2009 10:43:38 AM
martymaniaman$28.48$28.4811/23/2009 11:21:20 AM
MrCoffee$50.00$50.0011/23/2009 12:28:29 PM
SuperDoucheBag$50.00$50.0011/23/2009 12:34:49 PM
wicus$61.89$61.8911/23/2009 11:34:37 AM
efficient-bid2$100.00$100.0011/23/2009 12:49:57 PM
CA_Lender$25.00$25.0011/23/2009 12:56:36 PM
jybank$25.00$25.0011/23/2009 11:45:28 AM
cashhelp$25.00$25.0011/22/2009 11:44:36 AM
kindness-jedi$50.00$50.0011/23/2009 2:18:43 PM
drjekyllus$25.00$25.0011/23/2009 12:53:28 PM
Moxman125$25.00$25.0011/23/2009 3:24:12 PM
maga$119.00$119.0011/23/2009 2:45:50 PM
EEasyMoney$25.00$25.0011/23/2009 7:06:43 AM
wild-orange$100.00$100.0011/23/2009 4:08:20 PM
wild-orange$100.00$100.0011/23/2009 4:08:44 PM
wild-orange$100.00$100.0011/23/2009 4:10:01 PM
theaterguy$25.00$25.0011/23/2009 12:03:36 PM
deal-kung-fu$50.00$50.0011/23/2009 1:05:54 PM
payout-carnival$25.00$25.0011/23/2009 4:16:24 PM
durability-colonel$50.00$50.0011/23/2009 1:53:25 PM
cmcdonald22$25.00$25.0011/23/2009 2:53:40 PM
nalaari$50.00$41.5411/23/2009 3:19:18 PM
ryan6853$25.00$25.0011/23/2009 3:39:18 PM
wwwUniversal$25.00$25.0011/23/2009 4:19:29 PM
Memphis-King$75.00$75.0011/23/2009 4:19:48 PM
division177$25.00$25.0011/23/2009 4:12:13 PM
iolaire$25.00$25.0011/19/2009 7:58:33 AM
dbanwart$50.00$50.0011/19/2009 7:43:57 AM
Feyenoord$25.00$25.0011/19/2009 8:42:26 AM
MikeSeattle$25.00$25.0011/19/2009 5:41:11 PM
Edgewood$25.00$25.0011/20/2009 8:39:57 AM
money_player$50.00$50.0011/19/2009 10:14:12 PM
the-owner$25.00$25.0011/20/2009 12:54:30 PM
ddh81$35.17$35.1711/20/2009 5:03:00 PM
bstlndlrd207$130.00$130.0011/20/2009 8:44:01 PM
usbank$25.00$25.0011/21/2009 8:41:06 AM
grammaspurse$25.00$25.0011/21/2009 10:58:02 AM
brother_tam$50.00$50.0011/21/2009 1:22:25 PM
enticing-treasure5$25.00$25.0011/22/2009 9:04:25 AM
truth-smasher$25.00$25.0011/21/2009 6:20:15 AM
x01440$50.00$50.0011/21/2009 6:35:01 AM
SmartBanking$28.83$28.8311/22/2009 5:15:55 PM
bouttruckin$50.00$50.0011/22/2009 12:40:13 PM
Sierralance$25.00$25.0011/21/2009 10:03:56 AM
bessmatt$25.00$25.0011/22/2009 10:01:13 PM
minista$25.00$25.0011/23/2009 6:18:34 AM
Astyanax$25.00$25.0011/23/2009 8:45:01 AM
ez2helpu$170.00$170.0011/22/2009 5:04:09 AM
PotBellyPete$60.00$60.0011/23/2009 11:33:38 AM
credit-coach118$50.00$50.0011/22/2009 8:38:20 AM
umwol13$25.00$25.0011/22/2009 11:58:52 AM
Kyileo$50.00$50.0011/23/2009 11:58:27 AM
rbgnr111$25.00$25.0011/23/2009 12:15:08 PM
the-profit-oracle$25.00$25.0011/23/2009 2:09:27 PM
djax$33.03$33.0311/23/2009 2:16:58 PM
fireferd$100.00$100.0011/23/2009 1:09:17 PM
MoneyForNothing$25.00$25.0011/23/2009 2:42:14 PM
starry2001$25.00$25.0011/23/2009 2:54:48 PM
medarocket$25.00$25.0011/22/2009 5:01:46 PM
rockhound84$25.00$25.0011/23/2009 3:50:26 PM
OldManP$25.00$25.0011/22/2009 10:21:18 PM
wild-orange$100.00$100.0011/23/2009 4:09:08 PM
interest-friendship$50.00$50.0011/23/2009 10:33:10 AM
Leopoldine$26.00$26.0011/23/2009 11:05:34 AM
burgeoning-benefit$50.00$50.0011/23/2009 11:44:10 AM
bonus-patriot$50.00$50.0011/23/2009 12:43:53 PM
rockhound84$25.00$25.0011/23/2009 12:53:16 PM
beachliving29$34.49$34.4911/23/2009 1:55:47 PM
TakeCare$40.00$40.0011/23/2009 3:36:50 PM
wild-orange$100.00$100.0011/23/2009 4:09:37 PM
jcw3rd$25.00$25.0011/23/2009 4:12:55 PM
WMY-Investor$100.00$100.0011/23/2009 4:14:59 PM
98 bids
 
Borrower Payment Dependent Notes Series 425683
This series of Notes was issued and sold upon the funding of the borrower loan #39727, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 23.51% Final monthly payment: $56.51
 
Auction yield range: 17.29% - 34.00% Estimated loss impact: 19.13%  
Lender servicing fee: 1.00% Estimated return: 0.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: May-1998 Debt/Income ratio: 11%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $4,172 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 73%Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Homeownership: Yes  
Inquiries last 6m: 13    
Screen name: chillware Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 40 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,101.00< mo. late: 0 ( 0% )  
720-739 (May-2009)
580-599 (Jan-2008)
600-619 (Jun-2007)
580-599 (Apr-2006)
 
Principal balance: $663.55 1+ mo. late: 0 ( 0% )
Total payments billed: 40  
Description
Payoff unexpected bills and 1 card
Purpose of loan:
Hello, thanks for taking the time to check out my loan request. The purpose of this loan is to payoff the following debts and combine them in to one payment.

a) an unexpected tax bill of $720
b) a dentist bill for $450
c) a credit card balance of $300

My financial situation:
I am Prosper veteran, I've been here since near the very beginning and I am also a lender here, I am lending on more than 20 loans currently. This will be my 3rd Prosper loan. The first loan was completely paid off, the second loan is very close to being paid off.

I do have a bankruptcy that was discharged in 2005. Since then I've never missed a payment and am working very hard to rebuild my credit and I do not ever plan to allow my credit score to drop, life really is a lot harder when you have a poor credit score.

Monthly net income: $ 4000 after taxes

Monthly expenses: $
??Housing: $ 1300 (Split 2 ways, this is my portion)
??Insurance: $ 110
??Car expenses: $?260
??Utilities: $ 145
??Phone, cable, internet: $ 60?
??Food, entertainment: $ 250
??Clothing, household expenses $ 200?
??Credit cards and other loans: $? 350
??Other expenses: $ 250

Thank you again for your time! I really appreciate your bid!

David-
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please tell us about the 13 recent inquiries? Thanks and Good Luck! - BAEVentures
A: Hi, The majority of the inquiries were because I recently traded in my old Jeep Grand Cherokee that was becoming a money pit for a used 2004 Dodge Durango. The dealer searched a bunch of banks to find financing for me. I've also applied for auto refinancing on that loan even more recently at a few different banks. Thanks for your support! (Nov-20-2009)
Q: Also wanted to ask how your side business (website) is going? Are you still generating income in excess of the monthly payment of your last loan? Also, I see you purchased a home as planned, how is that working out for you? When did you move in? - BAEVentures
A: Unfortunately I had to close down the side business late last year, sales dropped dramatically and it was costing more to run that it was bringing in. I did not want to start using my own money to fund it, as it was just a side project. So once it's money dried up, I shut it down. It survived almost 2 years, and had a good run however. We moved in to our house in Oct '07, it's been working out great, we love it! (Nov-20-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
circustab$50.00$50.0011/23/2009 6:21:31 AM
marwadi-62$50.00$50.0011/24/2009 3:43:22 PM
the-profit-oracle$25.00$25.0011/24/2009 6:28:22 PM
fatboy888$25.00$25.0011/25/2009 5:59:55 AM
bjornson$70.00$70.0011/25/2009 6:05:15 PM
squarebob$50.00$50.0011/25/2009 7:03:44 PM
Tizzo27$100.00$51.2211/26/2009 12:27:49 AM
autoconnection$25.65$25.6511/26/2009 5:13:23 AM
portfolio-turbine$50.00$50.0011/26/2009 9:21:59 AM
JJ-Loans$25.00$25.0011/26/2009 9:43:48 AM
Kissabledevil$50.00$50.0011/26/2009 9:55:46 AM
autonomous-power$75.00$75.0011/26/2009 10:48:13 AM
pietro_torna_indietro$25.00$25.0011/26/2009 9:49:29 AM
pietro_torna_indietro$25.00$25.0011/26/2009 9:50:20 AM
friendinmoney$50.00$50.0011/26/2009 12:25:27 PM
SNH$50.00$50.0011/19/2009 6:50:05 PM
BAEVentures$50.00$50.0011/20/2009 9:07:36 AM
Aberdeen$300.00$300.0011/23/2009 5:23:04 PM
BAEVentures$25.00$25.0011/24/2009 9:29:39 AM
JGuide$28.13$28.1311/24/2009 6:08:12 PM
gpuck$25.00$25.0011/25/2009 12:43:13 PM
shrewd-income$25.00$25.0011/25/2009 6:44:22 PM
stockcop$50.00$50.0011/25/2009 7:51:55 PM
lender12345$25.00$25.0011/26/2009 9:00:14 AM
carrinel$75.00$75.0011/26/2009 8:59:47 AM
exciting-fairness$200.00$200.0011/26/2009 12:06:39 PM
26 bids
 
Borrower Payment Dependent Notes Series 426565
This series of Notes was issued and sold upon the funding of the borrower loan #39660, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,475.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-22-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $244.51
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $242.60
 
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: 9 First credit line: Jul-2001 Debt/Income ratio: 28%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $15,805 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: danmanville01 Borrower's state: California Borrower's group: FUTURE FINANCIAL FREEDOM 1
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
Path to Becoming Debt Free
Purpose of loan:
This loan will be used to consolidate?my credit cards?at a lower interest rate.

My financial situation:
I am a good candidate for this loan because I have never, ever?missed a payment and?I have a job that I have been at for almost 2 years now.

Net Income:
2700/month (after taxes, 401k contribution and pre-tax benefits)

Monthly Expenses:
Rent - 565
Utilities - 55
Student Loan - 150
Food/Groceries - 250
Loan - 225
Misc - 200
Credit Card Payments - 500* (Will be less once I get this loan)
Assisting retired parent's utilities - 150
Total: 2095


Thank you for your consideration and I hope to earn you a great return on your money.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DonaldColorado$25.00$25.0011/18/2009 4:00:40 PM
Kerrysbay$25.00$25.0011/18/2009 3:59:55 PM
emo13$50.00$50.0011/18/2009 4:02:48 PM
miked8303$25.00$25.0011/18/2009 4:02:55 PM
repayment-chef$25.00$25.0011/18/2009 4:03:19 PM
wrighco$25.00$25.0011/18/2009 4:02:40 PM
Goodlender42$25.00$25.0011/18/2009 4:03:23 PM
leodaguy$25.00$25.0011/18/2009 4:04:40 PM
burgeoning-silver$25.00$25.0011/18/2009 4:05:00 PM
personal-lender$25.00$25.0011/18/2009 4:07:58 PM
a-responsible-return$25.00$25.0011/18/2009 4:07:54 PM
bchen78875$50.00$50.0011/18/2009 4:08:06 PM
Walkingcowboy$25.00$25.0011/18/2009 4:08:21 PM
trident9$50.00$50.0011/18/2009 4:08:24 PM
five-star-justice$36.00$36.0011/18/2009 4:09:07 PM
888168$50.00$50.0011/18/2009 4:09:51 PM
Speculator$25.00$25.0011/18/2009 4:11:41 PM
trade-doughnut5$25.00$25.0011/18/2009 4:11:54 PM
kulender$25.00$25.0011/18/2009 4:11:57 PM
Klearwater_Pools$25.00$25.0011/18/2009 4:12:00 PM
AF-Chief$35.00$35.0011/18/2009 4:11:13 PM
magical-greenback$55.00$55.0011/18/2009 4:11:23 PM
crenen139$100.00$100.0011/18/2009 4:12:54 PM
BankOfFrankFairness$50.00$50.0011/18/2009 4:12:26 PM
gethsemane4$25.00$25.0011/18/2009 4:12:37 PM
Artist_Blue$25.00$25.0011/18/2009 4:13:54 PM
desertoasis$50.00$50.0011/18/2009 4:15:16 PM
credit-investor5$50.00$50.0011/18/2009 4:14:27 PM
verse99$25.00$25.0011/18/2009 4:15:59 PM
djh47a$40.00$40.0011/18/2009 4:16:13 PM
JJS180$25.00$25.0011/18/2009 4:16:33 PM
steves73$25.00$25.0011/18/2009 4:50:41 PM
amit_gu$25.00$25.0011/18/2009 5:19:38 PM
johannesfactotum$25.00$25.0011/18/2009 5:50:18 PM
first-wampum-trapper$25.00$25.0011/18/2009 5:51:21 PM
sidney102$25.00$25.0011/18/2009 4:02:28 PM
Sid-K$25.00$25.0011/18/2009 5:59:29 PM
lucrative-worth$25.00$25.0011/18/2009 4:02:45 PM
gizzywump$25.00$25.0011/18/2009 4:03:00 PM
MoneyU4IA$40.00$40.0011/18/2009 4:03:15 PM
fdsguy$50.00$50.0011/18/2009 6:34:42 PM
Cai8899$75.00$75.0011/18/2009 4:03:41 PM
cash-boots$30.00$30.0011/18/2009 4:04:27 PM
the_winning_ticket$35.00$35.0011/18/2009 4:04:43 PM
brandilton$25.00$25.0011/18/2009 8:31:52 PM
Attract$25.00$25.0011/18/2009 4:07:49 PM
justice-dna$35.00$35.0011/18/2009 4:08:30 PM
GElender$50.00$50.0011/18/2009 4:08:54 PM
economy-balance$25.00$25.0011/18/2009 4:09:11 PM
evnagelist$50.00$50.0011/18/2009 4:10:40 PM
Zarf$50.00$50.0011/18/2009 4:10:44 PM
newbietony$40.00$40.0011/18/2009 4:10:48 PM
don8ter$60.00$60.0011/18/2009 4:11:50 PM
orange-courageous-dedication$40.00$40.0011/18/2009 4:13:04 PM
fair-funds$25.00$25.0011/18/2009 4:13:49 PM
pleasant-basis$25.00$25.0011/18/2009 4:15:50 PM
MidLifeCrisis$25.00$25.0011/18/2009 4:16:06 PM
szetheli$100.00$100.0011/19/2009 7:24:36 AM
oskizzle$25.00$25.0011/18/2009 4:16:24 PM
Octavian315$50.00$50.0011/18/2009 4:16:50 PM
ytjameslee$50.00$50.0011/18/2009 4:17:18 PM
iolaire$25.00$25.0011/19/2009 7:54:03 AM
yield-saguaro$50.00$50.0011/18/2009 4:25:55 PM
liederhaus$50.00$50.0011/18/2009 4:45:20 PM
elegant-bonus$50.00$50.0011/19/2009 9:00:51 AM
asset-prescription$25.00$25.0011/19/2009 9:40:30 AM
Doc23$25.00$25.0011/19/2009 10:00:37 AM
wampum-chorus3$25.00$25.0011/19/2009 10:04:45 AM
sellbuy40$50.00$50.0011/19/2009 10:06:05 AM
dionysus03$25.00$25.0011/19/2009 10:45:11 AM
the-bright-velocity$50.00$50.0011/19/2009 11:06:32 AM
mythkw$25.00$25.0011/19/2009 11:08:23 AM
bedframe$25.00$25.0011/19/2009 11:34:48 AM
BayShell$40.00$40.0011/19/2009 12:00:02 PM
neenerman$25.00$25.0011/19/2009 11:59:58 AM
zeelender$25.00$25.0011/19/2009 12:06:38 PM
cowboyskier$50.00$50.0011/19/2009 1:37:34 AM
payout-point$29.85$29.8511/19/2009 1:46:52 AM
CASHGIRL$69.33$69.3311/19/2009 3:21:13 AM
scoobiedoo$25.00$25.0011/19/2009 6:30:32 AM
Skiph$25.00$25.0011/19/2009 9:35:28 AM
silktea$25.00$25.0011/19/2009 1:03:49 PM
compoundinterest$38.35$38.3511/19/2009 11:27:06 AM
museic1$25.00$25.0011/19/2009 1:00:45 PM
sloak$25.00$25.0011/19/2009 2:46:23 PM
economy-caper$25.00$25.0011/19/2009 4:15:44 PM
kmwvma$25.00$25.0011/19/2009 3:20:02 PM
the-profit-worker$45.00$45.0011/19/2009 4:29:42 PM
TK4$25.00$25.0011/19/2009 3:44:40 PM
abidos$25.00$25.0011/19/2009 4:40:56 PM
albatross897$25.00$25.0011/19/2009 5:00:56 PM
bazaar-tulip$25.00$25.0011/19/2009 5:09:29 PM
degster$25.00$25.0011/19/2009 4:51:04 PM
Lendomatic$25.00$25.0011/19/2009 5:56:05 PM
StrongMoney$25.00$25.0011/19/2009 6:14:31 PM
bruin558$71.76$71.7611/19/2009 8:35:11 PM
lender12345$25.00$25.0011/19/2009 9:37:11 PM
payout-optimizer$25.00$25.0011/19/2009 9:59:32 PM
bluprntguy$25.00$25.0011/19/2009 11:24:43 PM
tsui517$25.00$25.0011/19/2009 8:35:10 PM
mizount$25.00$25.0011/19/2009 9:49:34 PM
Kelor99$25.00$25.0011/20/2009 2:59:53 AM
MTLoans$25.00$25.0011/19/2009 10:24:31 PM
goofy15975$25.00$25.0011/19/2009 10:35:40 PM
upc_tnt$25.00$25.0011/19/2009 11:29:42 PM
wise-spirited-nickel$25.00$25.0011/20/2009 6:04:03 AM
saihu$25.00$25.0011/20/2009 3:00:12 AM
mathprof$25.00$25.0011/19/2009 2:24:59 PM
thryn$25.00$25.0011/20/2009 6:04:34 AM
Castellan$25.00$25.0011/19/2009 2:39:03 PM
transparency-giant$25.00$25.0011/19/2009 2:40:25 PM
BoutYeBank$25.00$25.0011/19/2009 4:35:04 PM
Searlzy$25.00$25.0011/19/2009 6:29:49 PM
yertle9$25.00$25.0011/19/2009 8:24:31 PM
RJN$25.00$25.0011/19/2009 8:35:09 PM
USMC0311$25.00$25.0011/19/2009 9:14:35 PM
chief219$25.00$25.0011/19/2009 10:35:02 PM
truth-prospector$25.00$2.9311/20/2009 6:09:39 AM
Syzygy$25.00$25.0011/20/2009 11:23:04 PM
zski$50.00$50.0011/22/2009 3:23:37 AM
NorthlandAlchemist$61.53$61.5311/22/2009 3:54:55 AM
TakeCare$100.00$100.0011/18/2009 4:02:52 PM
antlr$25.00$25.0011/18/2009 4:03:03 PM
zoomdrm57$50.00$50.0011/18/2009 4:03:08 PM
lloyd_s$25.00$25.0011/18/2009 4:03:48 PM
Banker7371$25.00$25.0011/18/2009 4:03:29 PM
E_G$50.00$50.0011/18/2009 4:04:54 PM
lend_to_you$50.00$50.0011/18/2009 4:04:34 PM
gracej$25.00$25.0011/18/2009 4:08:16 PM
neighborly-hope6$100.00$100.0011/18/2009 4:08:28 PM
Weaverville$25.00$25.0011/18/2009 4:08:02 PM
BlindProphet$25.00$25.0011/18/2009 4:08:12 PM
Havana21$50.00$50.0011/18/2009 4:10:50 PM
mikeandcat$50.00$50.0011/18/2009 4:11:30 PM
honorable-yield$75.00$75.0011/18/2009 4:13:29 PM
highcountry1$25.00$25.0011/18/2009 4:15:09 PM
vegaslender88$25.00$25.0011/18/2009 4:15:24 PM
blackstar$25.00$25.0011/18/2009 4:15:28 PM
rakstar$50.00$50.0011/18/2009 4:14:21 PM
trade-pragmatist$25.00$25.0011/18/2009 4:15:53 PM
bigdogsafety1$25.00$25.0011/18/2009 4:14:53 PM
djs81$25.00$25.0011/18/2009 4:16:08 PM
julijask$25.00$25.0011/18/2009 4:16:15 PM
morpholog$25.00$25.0011/18/2009 4:20:17 PM
afotherg$25.00$25.0011/18/2009 4:45:32 PM
five-star-note$25.00$25.0011/18/2009 5:50:28 PM
DadWarbucks$25.00$25.0011/18/2009 5:51:58 PM
tolstoy00$25.00$25.0011/18/2009 5:51:54 PM
hard-working-loot$25.00$25.0011/18/2009 4:03:05 PM
sharkm$25.00$25.0011/18/2009 4:04:50 PM
goodhearted-basis4$25.00$25.0011/18/2009 7:19:51 PM
wise-cash-keeper$25.00$25.0011/18/2009 7:34:41 PM
thedoctor$40.00$40.0011/18/2009 4:08:37 PM
rmachi$25.00$25.0011/18/2009 4:08:41 PM
bonus-patriot$25.00$25.0011/18/2009 4:08:58 PM
tallmon$25.00$25.0011/18/2009 4:09:56 PM
the-money-gargantuan$25.00$25.0011/19/2009 1:55:11 AM
lendacity$25.00$25.0011/19/2009 12:59:43 AM
Mr_Marcus$50.00$50.0011/18/2009 4:11:26 PM
principal-laser$100.00$100.0011/19/2009 3:18:53 AM
mamayama$25.00$25.0011/18/2009 4:12:09 PM
ljay$25.00$25.0011/18/2009 4:12:20 PM
best-decisive-peace$25.00$25.0011/18/2009 4:13:34 PM
Steveoo1$50.00$50.0011/18/2009 4:13:57 PM
Hogpilot$25.00$25.0011/18/2009 4:14:10 PM
credit-coach118$35.00$35.0011/18/2009 4:14:37 PM
thestartuplender$50.00$50.0011/19/2009 7:02:31 AM
DukSerduk$25.00$25.0011/18/2009 4:15:13 PM
SNH$50.00$50.0011/18/2009 4:15:21 PM
1fortheroad$25.00$25.0011/18/2009 4:17:28 PM
open-minded-finance1$25.00$25.0011/18/2009 4:17:31 PM
wise-agile-investment$25.00$25.0011/19/2009 8:24:35 AM
GOPHERBOY$65.00$65.0011/19/2009 8:45:51 AM
anton$50.00$50.0011/18/2009 5:44:37 PM
syounker$25.00$25.0011/19/2009 9:06:50 AM
slartibardfast$35.00$35.0011/18/2009 5:50:30 PM
ClearLake$25.00$25.0011/18/2009 5:50:33 PM
greenbackologist$25.00$25.0011/18/2009 5:51:37 PM
Cheburashka$30.00$30.0011/18/2009 5:52:17 PM
new-nourishing-silver$25.00$25.0011/19/2009 9:36:22 AM
flwah$50.00$50.0011/19/2009 10:06:01 AM
ojibwa$25.00$25.0011/19/2009 10:17:10 AM
unk1911$25.00$25.0011/19/2009 10:21:36 AM
fantastic-dime$25.00$25.0011/19/2009 10:40:15 AM
CULPEPPERGROUP$25.00$25.0011/19/2009 10:45:09 AM
compatible-felicity$25.00$25.0011/19/2009 11:10:05 AM
mansne$25.00$25.0011/19/2009 11:35:55 AM
kanakakm$50.00$50.0011/18/2009 11:40:40 PM
Divot$25.00$25.0011/19/2009 1:46:29 AM
bid-promiser$25.00$25.0011/19/2009 1:46:49 AM
moola-rose8$25.00$25.0011/19/2009 4:20:54 AM
elevated-platinum5$25.00$25.0011/19/2009 10:06:24 AM
KiwiElf$30.00$30.0011/19/2009 11:35:07 AM
thedreamer$25.00$25.0011/19/2009 2:38:02 PM
timmytiger$25.00$25.0011/19/2009 2:58:14 PM
TCayce$25.00$25.0011/19/2009 2:40:44 PM
kayakg$25.00$25.0011/19/2009 3:54:29 PM
Jassi$25.00$25.0011/19/2009 4:09:50 PM
Phantom99$25.00$25.0011/19/2009 4:34:56 PM
mjm77_1$25.00$25.0011/19/2009 3:50:53 PM
testobsessed$41.43$41.4311/19/2009 3:54:26 PM
PatRichi$25.00$25.0011/19/2009 4:09:53 PM
gogmagog$100.00$100.0011/19/2009 6:19:58 PM
fighter7$50.00$50.0011/19/2009 9:12:23 PM
rjblack$44.11$44.1111/20/2009 1:09:24 AM
DocMan07$50.00$50.0011/19/2009 8:50:44 PM
simpy$25.00$25.0011/19/2009 1:19:47 PM
mmmaacc$25.00$25.0011/20/2009 3:44:26 AM
gain-butterfly$25.00$25.0011/20/2009 4:49:29 AM
turbine5$35.99$35.9911/19/2009 10:29:56 PM
blissful-note$25.00$25.0011/20/2009 5:07:11 AM
agwosdof$27.72$27.7211/20/2009 3:00:14 AM
payout-pal$25.00$25.0011/20/2009 8:21:42 AM
sas19$25.00$25.0011/19/2009 2:43:49 PM
Avala$25.00$25.0011/19/2009 3:44:51 PM
RusRobo$25.00$25.0011/19/2009 4:35:03 PM
NATIVEBORN$50.00$50.0011/19/2009 4:54:59 PM
Minotaur$36.00$36.0011/19/2009 9:49:31 PM
Citizenryan$25.00$25.0011/19/2009 10:11:46 PM
Gadgetae86$25.00$25.0011/19/2009 11:09:32 PM
Tradesmanlender$25.00$25.0011/20/2009 1:29:27 AM
Captain88$25.00$25.0011/20/2009 4:41:33 AM
222 bids
 
Borrower Payment Dependent Notes Series 430755
This series of Notes was issued and sold upon the funding of the borrower loan #39736, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $82.73
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 28.32% Final monthly payment: $80.58
 
Auction yield range: 11.29% - 27.00% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.38%  
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-1999 Debt/Income ratio: 18%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 11 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $3,485 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: Jimmy80 Borrower's state: Colorado Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
580-599 (May-2008)
 
Principal balance: $880.38 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Pay off loans
Purpose of loan:
I am a hard working person who has been working since I was 13. I am a good candidate for this loan because. As you can see my financial situation is good, my wife and I make more than half of what I am requesting.The purpose of this loan will be to pay off my debt. Which will be my wife?s student loan ($1000.00), and pay off my existing prosper loan ($881.16). The rest I will pay off a?credit card with a high interst rate (23.15%). My Wife runs a daycare and she has 8 kids including our daughter. She also has been going to college for medical transcription. She graduates next year. This will be my second loan thru prosper and as you can see I have paid on time every monthly. I pay my bills on time and usually pay more than the min. amount due. The problem my wife and I have had is that we have paid off loans in 6 months or less. Come to find out it doesn't report on your credit if its paid off 6 months or less. Also my credit dropped a little due to fraud. It was higher earlier this year. I have put a fraud alert on my credit and I am taking care of getting the things off my credit, but its a process. So if anyone can help thanks.

Monthly net income: $ 3800 (Does not include husband $2800)

Monthly expenses:?
Housing: $ 1,051.96
Insurance: $ 104
Car expenses: $ 180 (fuel but is reimburse $100 thru state day care)
Utilities: $ 178
Phone, cable, internet: $ 75
Food, entertainment: $ 100 (since my wife is a licensed daycare?we get a food allowance of $300 thru the state)
Clothing, household expenses: $ 100 (household items)
Credit cards and other loans: $ 75
Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you explain to me why you are paying off a prosper loan at 16% and a credit card at 23.15% with a new loan you are taking out at 27%? - professional-integrity
A: I actually put 20% on the loan and people could bet down on the rate. But I guess prosper put it at 27%. Not sure why they did that (Nov-20-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
five-star-note$30.00$30.0011/19/2009 12:36:33 PM
fortytwo$150.00$150.0011/19/2009 2:43:40 PM
mercuriant$25.00$25.0011/19/2009 2:43:52 PM
reflective-rupee$50.00$50.0011/19/2009 12:54:53 PM
reflective-rupee$50.00$50.0011/19/2009 12:56:24 PM
reflective-rupee$50.00$50.0011/19/2009 2:15:38 PM
econgineer$25.00$25.0011/20/2009 6:36:35 AM
reflective-rupee$25.00$25.0011/20/2009 9:59:55 AM
SohamCA$400.00$400.0011/20/2009 10:23:59 AM
hellasow$25.00$25.0011/20/2009 1:07:57 AM
reflective-rupee$25.00$25.0011/20/2009 10:00:25 AM
portfolio-turbine$25.00$25.0011/20/2009 2:38:10 PM
trevize$25.00$25.0011/20/2009 3:36:49 PM
marwadi-62$50.00$50.0011/20/2009 3:36:16 PM
Credit2Prosper$49.25$49.2511/20/2009 7:38:32 PM
SFBank$200.00$200.0011/20/2009 6:58:51 PM
felicity-daydream$50.00$50.0011/20/2009 8:27:55 PM
penny-surgeon$25.00$25.0011/21/2009 2:53:08 AM
davez0r$25.00$25.0011/20/2009 3:37:40 PM
reflective-rupee$25.00$25.0011/20/2009 5:09:14 PM
highyield$75.00$75.0011/20/2009 9:38:46 PM
LarryNY$25.00$25.0011/23/2009 11:57:56 AM
Thunder08$25.00$25.0011/23/2009 10:12:27 AM
SaintMatthew$25.00$25.0011/23/2009 9:06:12 PM
impartial-deal$25.00$25.0011/24/2009 12:15:03 PM
ekmendenhall$25.00$25.0011/19/2009 12:49:10 PM
reflective-rupee$25.00$16.1111/19/2009 12:55:33 PM
reflective-rupee$25.00$25.0011/20/2009 10:00:11 AM
euphoria8$25.00$25.0011/20/2009 9:36:24 AM
reflective-rupee$25.00$25.0011/20/2009 5:09:31 PM
srthsvghdthtr$25.00$25.0011/20/2009 5:10:09 PM
festivecpl$25.00$25.0011/20/2009 7:57:42 PM
cashhelp$25.00$25.0011/22/2009 11:54:43 AM
usedtoborrow$30.00$30.0011/23/2009 6:09:58 AM
b1geasy$49.64$49.6411/23/2009 2:02:09 PM
forthright-dedication$25.00$25.0011/23/2009 10:05:03 AM
CA_Lender$25.00$25.0011/23/2009 12:59:04 PM
sweety075$25.00$25.0011/23/2009 4:46:02 PM
finance-vault$25.00$25.0011/23/2009 8:50:01 PM
4mydaughterseducation$25.00$25.0011/23/2009 8:33:15 PM
newbietony$50.00$50.0011/24/2009 1:09:13 AM
professional-finance$25.00$25.0011/24/2009 2:21:21 PM
the-profit-oracle$25.00$25.0011/24/2009 2:47:17 PM
43 bids
 
Borrower Payment Dependent Notes Series 432015
This series of Notes was issued and sold upon the funding of the borrower loan #39715, 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-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 10.04% Starting borrower rate/APR: 11.04% / 11.39% Starting monthly payment: $327.58
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $325.02
 
Auction yield range: 3.29% - 10.04% 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: Nov-1997 Debt/Income ratio: 19%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $1,193 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: special-loyalty Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Small business loan
Purpose of loan:
This loan will be used for start up costs to run the property management business. For example, to pay for software use and licensing. Purchase supplies, etc.

My financial situation:
I am a good candidate for this loan because I have?steady income and?the business is growing. As of March 2009,?there was one account, but year to date, we have five accounts. And have two more contracts starting on February 2010.
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: Your credit rating is excellent. Why would you borrow at this rate when you could borrow from anotther source at a lower interest rate? - vacationgirl
A: What are the other sources? I've looked around for start up loans, but they want 1 year worth of information and income taxes which I do not have. If you have any better suggestions, please let me know. (Nov-16-2009)
Q: If for some reason this venture doesn't work out, how are you able to pay for the loan from your regular income? Please show that your net income minus expenses covers the loan request. Thanks. - exciting-fairness
A: Yes, I can pay the loan off with my teacher salary. (Nov-16-2009)
Q: Are your accounts for residential or commercial real estate? - nickel-pipeline
A: At the moment, the company only has residential properties that are being managed. In the future, I will expand the targeted market to commerical properties. (Nov-16-2009)
Q: What experience do you have running a Property Management company? Do you have a website? - JGuide
A: My partner has 14 years of property management experience. I have the marketing and sales background since I receiveved my graduate degree in this. She is manageing the properties and we have an assistant with 6 years of property management experience, while I focus on the marketing and sales. (Nov-20-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
stock_speculator$25.00$25.0011/13/2009 4:51:05 PM
kchen486$25.00$25.0011/13/2009 4:55:34 PM
TakeCare$100.00$100.0011/13/2009 4:55:49 PM
jd006006$50.00$50.0011/13/2009 4:56:19 PM
zoomdrm57$50.00$50.0011/13/2009 4:56:10 PM
MoneyU4IA$40.00$40.0011/13/2009 4:56:31 PM
repayment-chef$25.00$25.0011/13/2009 4:56:44 PM
Goodlender42$25.00$25.0011/13/2009 4:56:53 PM
GOPHERBOY$65.00$65.0011/13/2009 4:56:49 PM
Banker7371$25.00$25.0011/13/2009 4:56:59 PM
leodaguy$25.00$25.0011/13/2009 4:59:25 PM
emo13$50.00$50.0011/13/2009 4:55:45 PM
slartibardfast$35.00$35.0011/13/2009 5:05:25 PM
Weaverville$25.00$25.0011/13/2009 5:05:43 PM
bchen78875$50.00$50.0011/13/2009 5:05:46 PM
Walkingcowboy$25.00$25.0011/13/2009 5:05:58 PM
dionysus03$25.00$25.0011/13/2009 5:06:03 PM
greenbackologist$25.00$25.0011/13/2009 5:06:27 PM
iansays1$25.00$25.0011/13/2009 5:06:55 PM
CASHGIRL$75.00$75.0011/13/2009 4:57:46 PM
bonus-patriot$25.00$25.0011/13/2009 5:07:16 PM
Binan$25.00$25.0011/13/2009 5:07:44 PM
the_winning_ticket$35.00$35.0011/13/2009 4:59:32 PM
Doc23$25.00$25.0011/13/2009 5:08:04 PM
E_G$50.00$50.0011/13/2009 5:00:02 PM
888168$50.00$50.0011/13/2009 5:09:17 PM
newbietony$40.00$40.0011/13/2009 5:11:20 PM
AF-Chief$35.00$35.0011/13/2009 5:12:31 PM
kanakakm$50.00$50.0011/13/2009 5:05:35 PM
personal-lender$25.00$25.0011/13/2009 5:05:38 PM
anton$50.00$50.0011/13/2009 5:14:03 PM
trident9$50.00$50.0011/13/2009 5:06:05 PM
CULPEPPERGROUP$25.00$25.0011/13/2009 5:06:08 PM
justice-dna$35.00$35.0011/13/2009 5:06:19 PM
rmachi$25.00$25.0011/13/2009 5:06:34 PM
five-star-justice$36.00$36.0011/13/2009 5:07:40 PM
bowdish1$50.00$50.0011/13/2009 5:09:09 PM
johannesfactotum$25.00$25.0011/13/2009 5:11:09 PM
the-money-gargantuan$25.00$25.0011/13/2009 5:11:35 PM
djh47a$40.00$40.0011/13/2009 5:13:21 PM
brandilton$25.00$25.0011/13/2009 5:21:14 PM
kulender$25.00$25.0011/14/2009 10:03:26 AM
saihu$25.00$25.0011/14/2009 8:38:54 AM
mmmaacc$25.00$19.7911/14/2009 9:58:33 PM
transaction-expert$25.00$25.0011/14/2009 11:00:56 AM
DadWarbucks$25.00$25.0011/14/2009 11:18:42 AM
Klearwater_Pools$25.00$25.0011/14/2009 11:19:08 AM
mamayama$25.00$25.0011/14/2009 3:04:04 PM
rpg$300.00$300.0011/15/2009 11:03:25 AM
SpotLending$50.00$50.0011/15/2009 11:10:27 AM
blissful-note$25.00$25.0011/14/2009 9:58:32 PM
springpanda$25.00$25.0011/15/2009 4:02:03 PM
vegaslender88$25.00$25.0011/16/2009 2:20:54 AM
Syzygy$25.00$25.0011/16/2009 4:33:28 AM
trevize$25.00$25.0011/16/2009 11:04:11 AM
jybank$25.00$25.0011/16/2009 7:57:09 AM
UniqueLender$100.00$100.0011/16/2009 1:28:49 PM
rate-hickory$25.00$25.0011/16/2009 10:04:35 AM
SpectrumCapital$25.00$25.0011/16/2009 10:55:35 AM
capital-futurist$25.00$25.0011/16/2009 6:12:54 PM
nickel-pipeline$25.00$25.0011/17/2009 9:01:23 AM
longisland47m$25.00$25.0011/17/2009 1:43:14 PM
lendme2$50.00$50.0011/17/2009 2:05:01 PM
greenback-floret$50.00$50.0011/17/2009 4:54:25 PM
doelenda$25.00$25.0011/17/2009 5:11:51 PM
CheeseAngel$339.00$339.0011/17/2009 7:39:36 PM
victorcab$25.00$25.0011/17/2009 8:45:12 PM
shasta1$100.00$100.0011/17/2009 8:07:32 PM
jmvingeorgia$25.00$25.0011/18/2009 8:44:38 AM
MNMAN21$75.00$75.0011/18/2009 9:51:51 AM
Honor_Leadership$35.00$35.0011/18/2009 9:58:43 AM
bankofmay$25.00$25.0011/17/2009 6:31:44 PM
twjh$25.00$25.0011/18/2009 6:06:34 AM
SCD$25.00$25.0011/18/2009 5:29:53 PM
1SteelerFan$25.00$25.0011/18/2009 11:21:54 PM
hydrolucid$25.00$25.0011/19/2009 9:34:53 AM
amor1962$25.00$25.0011/19/2009 10:37:11 AM
buckyhead2000$25.00$25.0011/19/2009 1:10:56 PM
pleasant-basis$25.00$25.0011/19/2009 2:19:32 PM
mmmm1982$25.00$25.0011/19/2009 12:02:37 PM
flshdaskll$25.00$25.0011/19/2009 2:58:11 PM
bright-investment$25.00$25.0011/19/2009 3:31:09 PM
People-for-people$50.00$50.0011/19/2009 6:10:44 PM
icon7$60.00$60.0011/19/2009 7:25:50 PM
skifamily1992$25.00$25.0011/19/2009 10:27:45 PM
manugee$50.00$50.0011/20/2009 3:52:35 AM
wild-orange$50.00$50.0011/20/2009 2:59:24 AM
organic-platinum$25.00$25.0011/20/2009 4:22:00 AM
ShowMeLender$25.00$25.0011/20/2009 6:26:12 AM
Tingali$25.00$25.0011/20/2009 7:53:16 AM
Sitgarath$50.00$50.0011/20/2009 9:36:33 AM
revmax$25.00$25.0011/20/2009 9:22:05 AM
rmachi$25.00$25.0011/20/2009 10:11:56 AM
Credit2Prosper$49.50$49.5011/19/2009 7:04:44 PM
suburbanman64$45.00$45.0011/19/2009 7:06:30 PM
buffalobills$25.00$25.0011/19/2009 7:38:17 PM
BlessedEveryDay$25.00$25.0011/19/2009 8:01:33 PM
fighter7$50.00$50.0011/19/2009 9:09:24 PM
elevated-finance$25.00$25.0011/19/2009 9:50:20 PM
oldman68$25.00$25.0011/20/2009 8:10:26 AM
kf88$25.00$25.0011/20/2009 8:53:51 AM
Gaelicman$525.00$525.0011/20/2009 11:26:35 AM
bruin558$50.00$50.0011/20/2009 10:55:26 AM
joecar1111$100.00$100.0011/20/2009 12:02:13 PM
lucygirl2$50.00$50.0011/20/2009 1:55:47 PM
Midg$25.00$25.0011/20/2009 12:54:56 PM
jetblack$50.00$50.0011/20/2009 12:56:34 PM
Lotsofbears$25.00$25.0011/20/2009 1:05:43 PM
Nusk$25.00$25.0011/20/2009 10:46:15 AM
rate-hickory$25.00$25.0011/20/2009 1:02:34 PM
LAKETIME$25.00$25.0011/20/2009 1:04:33 PM
leverage-monger$200.00$200.0011/20/2009 1:46:09 PM
dingus$25.00$25.0011/13/2009 4:52:07 PM
DonaldColorado$25.00$25.0011/13/2009 4:52:48 PM
transparency-giant$50.00$50.0011/13/2009 4:52:53 PM
sidney102$25.00$25.0011/13/2009 4:54:54 PM
wrighco$25.00$25.0011/13/2009 4:55:29 PM
miked8303$25.00$25.0011/13/2009 4:55:53 PM
gizzywump$25.00$25.0011/13/2009 4:55:57 PM
first-wampum-trapper$25.00$25.0011/13/2009 4:56:28 PM
syounker$25.00$25.0011/13/2009 4:56:38 PM
turbospeed$25.00$25.0011/13/2009 4:57:03 PM
cash-boots$30.00$30.0011/13/2009 4:59:06 PM
Minotaur$36.00$36.0011/13/2009 5:00:16 PM
lucrative-worth$25.00$25.0011/13/2009 4:55:38 PM
antlr$25.00$25.0011/13/2009 4:56:01 PM
Attract$25.00$25.0011/13/2009 5:05:32 PM
hard-working-loot$25.00$25.0011/13/2009 4:56:05 PM
a-responsible-return$25.00$25.0011/13/2009 5:05:35 PM
gracej$25.00$25.0011/13/2009 5:05:53 PM
neighborly-hope6$100.00$100.0011/13/2009 5:06:08 PM
Jassi$25.00$25.0011/13/2009 5:06:23 PM
Cai8899$50.00$50.0011/13/2009 4:57:16 PM
sloak$25.00$25.0011/13/2009 4:57:22 PM
lloyd_s$25.00$25.0011/13/2009 4:57:28 PM
GElender$50.00$50.0011/13/2009 5:07:11 PM
five-star-note$25.00$25.0011/13/2009 5:07:34 PM
SNH$50.00$50.0011/13/2009 5:07:20 PM
lend_to_you$25.00$25.0011/13/2009 4:59:17 PM
sharkm$25.00$25.0011/13/2009 4:59:50 PM
saahilld$25.00$25.0011/13/2009 5:08:18 PM
Patrician$100.00$100.0011/13/2009 5:00:04 PM
burgeoning-silver$25.00$25.0011/13/2009 5:00:15 PM
payout-point$100.00$100.0011/13/2009 5:09:09 PM
Havana21$50.00$50.0011/13/2009 5:11:24 PM
inforapenny$25.00$25.0011/13/2009 5:11:35 PM
tolstoy00$25.00$25.0011/13/2009 5:12:03 PM
morpholog$25.00$25.0011/13/2009 5:12:39 PM
magical-greenback$55.00$55.0011/13/2009 5:13:18 PM
mikeandcat$50.00$50.0011/13/2009 5:13:36 PM
Mr_Marcus$50.00$50.0011/13/2009 5:13:30 PM
credit-coach118$35.00$35.0011/13/2009 5:13:50 PM
BlindProphet$25.00$25.0011/13/2009 5:05:51 PM
thedoctor$25.00$25.0011/13/2009 5:06:31 PM
moola-rose8$25.00$25.0011/13/2009 5:21:17 PM
economy-balance$25.00$25.0011/13/2009 5:07:48 PM
tallmon$25.00$25.0011/13/2009 5:09:24 PM
evnagelist$25.00$25.0011/13/2009 5:11:03 PM
Zarf$50.00$50.0011/13/2009 5:11:07 PM
Gar3field$50.00$50.0011/13/2009 10:04:26 PM
don8ter$60.00$60.0011/13/2009 11:14:48 PM
Speculator$25.00$25.0011/13/2009 5:14:18 PM
trade-doughnut5$25.00$25.0011/14/2009 9:33:33 AM
rate-hickory$25.00$25.0011/14/2009 7:56:41 AM
blot44$50.00$50.0011/13/2009 7:49:24 PM
hellasow$25.00$25.0011/14/2009 11:39:36 AM
szetheli$38.39$38.3911/14/2009 6:34:19 AM
loan-warrior$25.00$25.0011/14/2009 8:24:23 PM
pietro_torna_indietro$44.07$44.0711/15/2009 4:43:27 AM
three-for-6$50.00$50.0011/14/2009 11:50:59 AM
Spyder7$50.00$50.0011/14/2009 5:15:10 PM
otalon$35.00$35.0011/15/2009 9:04:18 AM
Skulljocky$50.00$50.0011/15/2009 4:05:12 PM
GrayStudio$50.00$50.0011/15/2009 4:38:30 PM
worth-matador$25.00$25.0011/15/2009 5:18:36 PM
MathMuse$25.00$25.0011/15/2009 5:26:18 PM
bentdm$75.00$75.0011/16/2009 7:00:25 AM
iruz$46.45$46.4511/16/2009 6:03:43 AM
minista$25.00$25.0011/16/2009 7:57:29 AM
gardenslug$50.00$50.0011/16/2009 8:51:34 AM
Pickmar$25.00$25.0011/16/2009 8:55:27 AM
wwwUniversal$25.00$25.0011/16/2009 12:15:06 PM
SpectrumFinance$25.00$25.0011/16/2009 10:55:33 AM
economy-popcorn$25.00$25.0011/16/2009 3:51:33 PM
Guiren$100.00$100.0011/16/2009 12:54:10 PM
unk1911$25.00$25.0011/16/2009 4:18:45 PM
Spring342$25.00$25.0011/17/2009 12:04:57 PM
best-decisive-peace$50.00$50.0011/17/2009 3:39:21 PM
outofoffice$50.00$50.0011/17/2009 8:51:06 PM
building_community$50.00$50.0011/17/2009 6:50:02 PM
blue-pragmatic-truth$25.00$25.0011/17/2009 8:10:31 PM
cerebral-return3$25.00$25.0011/18/2009 2:17:56 PM
bonus-patriot$100.00$100.0011/18/2009 3:06:32 PM
interest-friendship$50.00$50.0011/18/2009 11:57:03 AM
balance-force$25.00$25.0011/18/2009 3:52:36 PM
OswegoUSA$25.00$25.0011/18/2009 5:24:15 PM
rawman$25.00$25.0011/18/2009 8:04:33 PM
socal-lender$25.00$25.0011/18/2009 8:59:10 PM
ivar$25.00$25.0011/18/2009 9:59:37 PM
asset-numero-uno$100.00$100.0011/19/2009 8:00:20 AM
principal-laser$100.00$100.0011/18/2009 5:35:00 PM
bomdel$25.00$25.0011/18/2009 7:00:00 PM
authoritative-social$25.00$25.0011/18/2009 7:34:35 PM
crdcteng$25.00$25.0011/19/2009 10:26:06 AM
Camerican$25.00$25.0011/19/2009 11:05:20 AM
Ven58$25.00$25.0011/19/2009 12:04:37 PM
hotwired$25.00$25.0011/19/2009 12:57:06 PM
OCLend$25.00$25.0011/19/2009 2:20:20 PM
Ray3486$25.00$25.0011/19/2009 1:20:01 PM
dma1206$25.00$25.0011/19/2009 2:55:00 PM
RandyL3$25.00$25.0011/19/2009 4:47:57 PM
dynamic-fairness$45.00$45.0011/19/2009 4:20:01 PM
eureka117$25.00$25.0011/19/2009 5:44:26 PM
notlicehead$27.73$27.7311/19/2009 4:44:30 PM
sunnysally$25.00$25.0011/19/2009 9:04:18 PM
jakespirit$25.00$25.0011/20/2009 1:29:40 AM
wild-orange$50.00$50.0011/20/2009 3:00:03 AM
Ebanco$25.00$25.0011/19/2009 10:38:28 PM
Mattfromotm$30.00$30.0011/19/2009 1:50:55 PM
GOPHERBOY$150.00$150.0011/20/2009 5:56:17 AM
rate-hickory$25.00$25.0011/20/2009 7:53:37 AM
elegant-bonus$25.00$25.0011/20/2009 7:05:00 AM
Richmp412$25.00$25.0011/20/2009 7:18:17 AM
Svigel$25.00$25.0011/20/2009 9:20:59 AM
julijask$25.00$25.0011/20/2009 9:57:22 AM
MidnightBank$25.00$25.0011/19/2009 4:50:18 PM
wealth-cloud$25.00$25.0011/19/2009 10:07:14 PM
seineil$50.00$50.0011/20/2009 1:45:55 AM
Share-the-wealth$100.00$100.0011/20/2009 7:02:19 AM
ScottFinance$25.00$25.0011/20/2009 7:43:22 AM
CashBank$25.00$25.0011/20/2009 8:52:28 AM
SKAGIT22$25.00$25.0011/20/2009 9:13:59 AM
ManhattanLender$25.00$25.0011/20/2009 9:22:15 AM
Bodyboard$25.00$25.0011/20/2009 10:40:11 AM
Snoopylover$25.00$25.0011/20/2009 11:06:38 AM
kermitdafrog$25.00$25.0011/20/2009 11:10:39 AM
Okeey$25.00$25.0011/20/2009 11:20:35 AM
octoberfresh$25.00$25.0011/20/2009 12:19:56 PM
Jynxie$30.82$30.8211/20/2009 12:21:14 PM
fairmaiden$25.00$25.0011/20/2009 10:39:18 AM
Leopoldine$27.25$27.2511/20/2009 10:59:02 AM
SanJoser$50.00$50.0011/20/2009 11:12:24 AM
blindtaxidriver$25.00$25.0011/20/2009 12:29:49 PM
243 bids
 
Borrower Payment Dependent Notes Series 432217
This series of Notes was issued and sold upon the funding of the borrower loan #39691, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $9,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 10.04% Starting borrower rate/APR: 11.04% / 11.39% Starting monthly payment: $294.82
Final lender yield: 9.10% Final borrower rate/APR: 10.10% / 10.45% Final monthly payment: $290.83
 
Auction yield range: 3.29% - 10.04% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.59%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-2002 Debt/Income ratio: 7%
Credit score: 820-839 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:3y 5m
Amount delinquent: $0 Revolving credit balance: $3,650 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 11%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: ckmapawatt 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
Growing successful Web Site
Purpose of loan:
My partner and I have full-time jobs and we are working on raising some money to hire a web programmer who is about to graduate in December with a degree in Computer Science.? I have been operating the Mapawatt Blog since February of 2009 in order to build an audience for our main website, Mapawatt.com. We are focused on energy and water conservation education for residential users.? The biggest reason our traffic continues to increase is the increasing interest from the public in managing their energy consumption and the growing market of energy conservation and renewable energy products.? We are already seen as one of the top resources on the topic of home energy monitoring.

Some of the Blog's highlights:
Commented on by NY Times columnist and author Thomas FriedmanFirst page on google for "what is kwh"First hit on Google for our coverage of the energy scam "Magniwork"First hit (behind the company that makes it) for the energy saving device "Ted 5000"

The programmer has been building out the web application that will run on the main website, but we just need a small loan to pay his living expenses for the next few months until we complete our business plan and we are able to raise complete funding from investors.?

My financial situation:
I am a good candidate for this loan because we are currently making enough money from Google Adsense and Amazon affiliate links to pay off the monthly loan payment.? Even if we stopped working on the website right now, our ad revenue would continue because most of our site visits come from Google.?

As our blog traffic continues to build (currently it is increasing at about 40% a month) so does our Google ad revenue.? This is currently bringing in several hundred per month, and it will only grow as we gain in popularity and release our web tool.? My partner and I both have full-time jobs, so we dont need this revenue.? What we really need is someone to focus on developing our web application for Mapawatt.com so we can continue to make money from our blog AND our web application.? I have excellent credit as does my partner.? We can easily afford the loan without any Google ad money, but the Google ad money is basically just sitting there waiting to be used.? We want to use it to pay off this loan.

We feel that once we have a web programmer focusing 100% of his time on our main website, our traffic will go up exponentially, increasing our ad revenue, and allowing us to be very successful.? Even if our web traffic stayed static (which it won't because I will continue to write excellent content) we will have no problem paying off the loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Have you thought of developing a widget for Iphone or Pre phones? Sounds like your web idea might lend itself to being a cool Green Widget! - JGuide
A: JGuide, Thanks for the question! We have thought about widgets for mobile phones and we definitely plan on developing some in the future. Right now our goal is to finish building out our main site (by spring of next year) and then add more and more functionality as we go. Basically, we want to provide individuals with the tools they need to make real change when it comes to energy and water conservati (Nov-17-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mtp$50.00$50.0011/16/2009 4:31:01 PM
pietro_torna_indietro$100.00$100.0011/16/2009 4:59:48 PM
building_community$25.00$25.0011/16/2009 5:07:25 PM
Syzygy$25.00$25.0011/16/2009 5:24:30 PM
caseattle$25.00$25.0011/17/2009 8:01:09 AM
minista$25.00$25.0011/17/2009 2:25:39 PM
victorcab$25.00$25.0011/17/2009 5:02:54 PM
jybank$25.00$25.0011/17/2009 2:25:40 PM
cloud8$40.00$40.0011/17/2009 4:21:24 PM
springpanda$25.00$25.0011/17/2009 5:24:54 PM
SpectrumCapital$25.00$25.0011/17/2009 5:01:18 PM
trevize$25.00$25.0011/17/2009 5:02:04 PM
outofoffice$60.00$60.0011/17/2009 8:52:42 PM
djscal$45.36$45.3611/18/2009 11:15:54 AM
JGuide$25.00$25.0011/17/2009 6:50:45 PM
responsibility-butterfly$25.00$25.0011/18/2009 1:51:56 PM
rawman$50.00$50.0011/18/2009 8:02:35 PM
ivar$25.00$25.0011/18/2009 10:02:08 PM
principal-laser$100.00$100.0011/18/2009 5:41:14 PM
iruz$50.74$50.7411/19/2009 9:39:54 AM
bomdel$25.00$25.0011/18/2009 7:00:04 PM
e3oM$50.00$50.0011/19/2009 12:21:32 PM
intuitive-deal5$200.00$200.0011/19/2009 6:26:08 AM
he-shoots-he-scores$50.00$50.0011/19/2009 9:56:42 AM
compuguy8$35.00$35.0011/19/2009 11:02:28 AM
JedClampett$75.00$75.0011/19/2009 10:28:05 PM
WilliamLeeSims$250.00$250.0011/19/2009 8:23:41 PM
estancias$25.00$25.0011/20/2009 1:24:59 AM
ShowMeLender$25.00$25.0011/20/2009 6:27:57 AM
Spiv_51$25.00$25.0011/20/2009 2:16:17 AM
ThPIllowSack$25.00$25.0011/20/2009 8:00:38 AM
rate-hickory$50.00$50.0011/20/2009 8:41:07 AM
Dollars4Rent$25.00$25.0011/20/2009 8:00:27 AM
PotBellyPete$41.51$41.5111/20/2009 8:15:21 AM
buffalobills$25.00$25.0011/20/2009 8:30:28 AM
DJSweetChrisBell$72.39$72.3911/20/2009 9:32:04 AM
makosdJR02$36.61$36.6111/20/2009 1:33:51 PM
rbotterbLLC$25.00$25.0011/20/2009 2:23:54 PM
asset-numero-uno$100.00$100.0011/20/2009 5:01:45 PM
IceFisherman$50.00$50.0011/20/2009 5:01:18 PM
Gaelicman$100.00$100.0011/20/2009 6:48:08 PM
greenback-floret$50.00$50.0011/20/2009 5:01:44 PM
fostaman$25.00$25.0011/20/2009 8:59:44 PM
OzGuy609$25.00$25.0011/21/2009 6:08:26 AM
LoanDMC$25.00$25.0011/21/2009 8:51:56 AM
doelenda$25.00$25.0011/21/2009 5:30:54 AM
return-elm$25.00$25.0011/21/2009 9:14:57 AM
durability-colonel$50.00$50.0011/21/2009 6:40:46 AM
surfhoss644$25.00$25.0011/21/2009 9:58:19 AM
Lender0307$25.00$25.0011/21/2009 7:32:21 PM
loanshark62$25.00$25.0011/21/2009 1:39:18 PM
personanongratta04$50.00$50.0011/21/2009 10:15:03 PM
Flash80$100.00$100.0011/21/2009 11:34:33 PM
BAEVentures$50.00$50.0011/20/2009 9:33:31 PM
mformica$40.00$40.0011/22/2009 6:07:17 AM
momentous-coin$50.00$50.0011/20/2009 11:22:57 PM
bkb7484$25.00$25.0011/21/2009 4:28:12 AM
Damostuff$25.00$25.0011/22/2009 2:28:51 PM
pilla$75.00$75.0011/22/2009 2:56:48 PM
astute-dollar$25.00$25.0011/22/2009 7:49:30 PM
investmentgroup$25.00$25.0011/23/2009 4:18:16 AM
whittlesey31$25.00$25.0011/21/2009 11:05:01 AM
barflyer$25.00$25.0011/23/2009 5:55:10 AM
planet613$50.00$50.0011/22/2009 9:56:45 PM
REITRUST$25.00$25.0011/22/2009 11:37:14 PM
elvisloans$50.00$50.0011/23/2009 8:41:21 AM
zento$25.00$25.0011/21/2009 9:11:26 PM
gizmo65$50.00$50.0011/22/2009 12:16:20 AM
payout-reaction740$25.00$25.0011/23/2009 10:38:01 AM
Ambassador$25.00$25.0011/22/2009 6:20:14 AM
Moby$26.00$26.0011/23/2009 11:02:51 AM
simiray$25.00$25.0011/23/2009 9:57:36 AM
jackdempsey$75.00$75.0011/23/2009 10:16:55 AM
enticing-treasure5$25.00$25.0011/22/2009 9:04:26 AM
greenfuzz$35.00$35.0011/23/2009 10:55:01 AM
flexible-income7$25.00$25.0011/23/2009 12:41:30 PM
webwesen$25.00$25.0011/23/2009 1:30:57 PM
Lender0307$25.00$25.0011/22/2009 12:57:33 PM
webwesen$50.00$50.0011/23/2009 1:18:25 PM
kindness-jedi$25.00$25.0011/23/2009 2:20:07 PM
cmcdonald22$30.00$30.0011/23/2009 2:54:11 PM
chopper94$25.00$25.0011/22/2009 10:11:12 PM
Pu239$50.00$50.0011/23/2009 8:31:18 AM
leverage-monger$200.00$200.0011/23/2009 9:36:29 AM
wild-orange$100.00$100.0011/23/2009 4:10:49 PM
wild-orange$1,000.00$1,000.0011/23/2009 4:11:35 PM
division177$25.00$25.0011/23/2009 4:12:43 PM
HarleyBoy$25.00$25.0011/23/2009 11:32:15 AM
lefty756$25.00$25.0011/23/2009 12:28:17 PM
bankojerry$25.00$25.0011/23/2009 1:10:45 PM
agreement-accruer$25.00$25.0011/23/2009 4:16:33 PM
DHolly$25.00$25.0011/23/2009 2:13:22 PM
MoneyForNothing$25.00$25.0011/23/2009 2:56:06 PM
patriot384$100.00$100.0011/23/2009 4:17:30 PM
adventurous-cash$25.00$25.0011/23/2009 3:27:09 PM
organic-platinum$25.00$25.0011/23/2009 4:21:29 PM
Rider$25.00$25.0011/23/2009 4:21:40 PM
astute-dollar$25.00$25.0011/23/2009 4:11:55 PM
friendinmoney$100.00$100.0011/23/2009 4:21:05 PM
CommerciaLender$25.00$25.0011/16/2009 4:28:12 PM
TJ-Financial-Group$35.00$35.0011/16/2009 4:31:04 PM
enthusiastic-treasure$50.00$50.0011/16/2009 4:32:12 PM
turbospeed$25.00$25.0011/16/2009 4:36:06 PM
rate-hickory$25.00$25.0011/16/2009 4:36:48 PM
Mowine4me$25.00$25.0011/16/2009 4:40:12 PM
stock_speculator$25.00$25.0011/16/2009 4:31:28 PM
saahilld$25.00$25.0011/16/2009 4:49:35 PM
ritwik$50.00$50.0011/16/2009 5:10:39 PM
liberty-oak$25.00$25.0011/16/2009 6:46:25 PM
blot44$50.00$50.0011/16/2009 8:02:28 PM
lendme2$100.00$100.0011/17/2009 12:26:26 PM
bitbucket$50.00$50.0011/16/2009 10:43:46 PM
unk1911$25.00$25.0011/17/2009 4:31:09 PM
Iwantahelp$25.00$25.0011/17/2009 4:50:51 PM
ksubd$25.00$25.0011/17/2009 9:55:11 PM
jmvingeorgia$25.00$25.0011/18/2009 8:44:36 AM
riv701$25.00$25.0011/18/2009 8:15:50 PM
HenryK7$25.00$25.0011/18/2009 10:35:45 PM
buckyhead2000$25.00$25.0011/19/2009 1:10:57 PM
availableloan$25.00$25.0011/19/2009 10:29:28 PM
justice-hawk$100.00$100.0011/19/2009 8:31:21 PM
hellasow$30.00$30.0011/20/2009 2:32:06 AM
djmjkelso$25.00$25.0011/20/2009 1:04:54 AM
scrabbler$25.00$25.0011/20/2009 6:43:51 AM
Rockymtnhi$40.87$40.8711/19/2009 3:52:00 PM
DANTHEMAN2$25.00$25.0011/19/2009 5:50:31 PM
qkinger$50.00$50.0011/20/2009 12:18:19 PM
Chewbaca$25.00$25.0011/20/2009 2:32:04 PM
maineyankee$25.00$25.0011/20/2009 2:23:19 PM
AlexWalex57$50.00$50.0011/20/2009 6:08:02 PM
gsp1885$41.17$41.1711/20/2009 7:40:51 PM
bowl800$25.00$25.0011/20/2009 8:20:16 PM
RadarLuv$25.00$25.0011/20/2009 10:00:23 PM
power-cell$50.00$50.0011/20/2009 8:59:18 PM
fortune888$25.00$25.0011/20/2009 9:11:00 PM
Galdis$25.00$25.0011/21/2009 7:18:58 AM
AP2PLender$25.00$25.0011/21/2009 4:44:26 AM
Richmp412$25.00$25.0011/21/2009 9:19:01 AM
TomDalonajay$25.00$25.0011/21/2009 10:04:28 AM
blue-relay$25.00$25.0011/21/2009 1:38:23 PM
loanman2007$150.00$150.0011/21/2009 5:01:30 PM
RandyL3$25.00$25.0011/20/2009 5:00:58 PM
MoneyOps$25.00$25.0011/22/2009 6:58:57 AM
malcolmreynolds$25.00$25.0011/20/2009 7:39:23 PM
psbruce$25.00$25.0011/22/2009 8:05:08 AM
oldman68$25.00$25.0011/21/2009 9:54:30 PM
medkoder$25.00$25.0011/21/2009 11:40:21 PM
Marlin2010$25.00$25.0011/22/2009 10:47:51 AM
zski$50.00$50.0011/22/2009 3:27:00 AM
mcabery$100.00$100.0011/22/2009 6:32:14 AM
next-time$25.00$25.0011/22/2009 7:40:39 AM
danielamity$25.00$25.0011/22/2009 11:25:03 AM
JerryB96$25.00$25.0011/21/2009 7:54:46 AM
leverage-monger$200.00$200.0011/21/2009 10:18:56 AM
ekmendenhall$139.57$139.5711/22/2009 9:58:26 PM
flshdaskll$25.00$25.0011/23/2009 6:57:30 AM
turbostar666$30.05$30.0511/23/2009 7:04:45 AM
eagle1271$50.00$50.0011/23/2009 7:43:38 AM
Snoopylover$25.00$25.0011/23/2009 6:09:41 AM
People-for-people$50.00$50.0011/21/2009 5:48:55 PM
rjglender$30.00$30.0011/23/2009 7:34:25 AM
lnrn$25.00$25.0011/23/2009 7:52:57 AM
SeaLoans$25.00$25.0011/23/2009 9:47:26 AM
honorable-yield$75.00$75.0011/23/2009 7:58:45 AM
Pu239$50.00$50.0011/23/2009 8:30:48 AM
prominence8$35.00$35.0011/23/2009 9:21:41 AM
Digs$25.00$25.0011/23/2009 10:44:57 AM
drkosh$25.00$25.0011/22/2009 7:53:25 AM
wicus$25.00$25.0011/23/2009 11:37:59 AM
Rearden_Steel$25.00$22.6511/23/2009 11:52:51 AM
iolaire$50.00$50.0011/23/2009 12:46:45 PM
efficient-bid2$100.00$100.0011/23/2009 12:53:40 PM
GBlack$25.00$25.0011/23/2009 1:22:02 PM
rubylender$25.00$25.0011/22/2009 2:18:22 PM
TakeCare$100.00$100.0011/23/2009 3:37:24 PM
Feyenoord$25.00$25.0011/22/2009 5:16:11 PM
velocity-winner$25.00$25.0011/23/2009 2:42:24 PM
MidnightBank$25.00$25.0011/23/2009 3:25:13 PM
gothampark$25.00$25.0011/22/2009 7:03:01 PM
amitkj2000$40.00$40.0011/22/2009 8:55:00 PM
the-profit-oracle$25.00$25.0011/23/2009 9:19:25 AM
jetblack$31.26$31.2611/23/2009 11:10:26 AM
GCCPartners$36.82$36.8211/23/2009 12:07:23 PM
nalaari$50.00$50.0011/23/2009 4:12:38 PM
wwwUniversal$25.00$25.0011/23/2009 4:20:00 PM
El_Maestro$25.00$25.0011/23/2009 4:00:12 PM
payout-carnival$25.00$25.0011/23/2009 4:21:56 PM
wild-orange$100.00$100.0011/23/2009 4:11:08 PM
deal-kung-fu$50.00$50.0011/23/2009 4:14:42 PM
189 bids
 
Borrower Payment Dependent Notes Series 433163
This series of Notes was issued and sold upon the funding of the borrower loan #39744, 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-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 27.49% Starting borrower rate/APR: 28.49% / 30.85% Starting monthly payment: $208.14
Final lender yield: 25.49% Final borrower rate/APR: 26.49% / 28.82% Final monthly payment: $202.76
 
Auction yield range: 11.29% - 27.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Jan-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2009) Current / open credit lines: 17 / 16Employment status:Self-employed
Now delinquent: 0 Total credit lines: 18Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $7,515 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: Love789 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
720-739 (Sep-2009)
620-639 (Jul-2008)
 
Principal balance: $2,462.54 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
2nd Loan - No lates
Purpose of loan:
I have used my Amex card for business expenses and I would like to pay it off. My business is doing very well and I have established good business credit over the last 2 years. I now have business credit cards which I can use for my business expenses.

Thank you very much.

My financial situation:
I am a good candidate for this loan because I meet my commitments.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: could you describe the nature of your business and the stability of your projected income. thanks jj - quickstep
A: Hi-Tech, Aerospace, Business and Management Consulting Services, Interim-Management, worldwide. I do have 15 years experience in this line of business and my income is stable. (Nov-23-2009)
Q: please add more details re: income/expenses. what IS your monthly income?? what are the details of your card expenses you'll be paying off?? - shrewd-income
A: monthly income: $ 5,600, monthly expenses: $ 1,900. I am paying off business related expenses like travel expenses, office supply etc. (Nov-23-2009)
Q: It seems the Prosper system has done you a disservice. Earlier this very month they had you an A/9 and now dropped to D/7 yet everything looks the same including your 740 credit score. Loan looks solid, any thought on the change? - quickstep
A: I don't know much about the prosper rating system but it is a system tailored to their business needs. I like prosper and the people who are investing. (Nov-23-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
grotheik$25.00$25.0011/22/2009 12:14:40 PM
sweety075$25.00$25.0011/22/2009 8:51:18 PM
reflective-rupee$36.00$36.0011/23/2009 7:37:06 AM
shawnw2$50.00$50.0011/23/2009 8:32:06 AM
tigercat$50.00$50.0011/23/2009 11:41:46 AM
pietro_torna_indietro$50.00$41.7811/23/2009 12:27:30 PM
bonus-patriot$50.00$50.0011/23/2009 12:31:43 PM
kindness-jedi$25.00$25.0011/23/2009 2:25:32 PM
lendme2$50.00$50.0011/23/2009 9:53:40 AM
Kash2010lu$25.00$25.0011/23/2009 6:03:09 PM
invincible-gain$200.00$200.0011/23/2009 8:38:35 PM
cashhelp$25.00$25.0011/23/2009 5:18:14 PM
rubylender$25.00$25.0011/23/2009 9:33:11 PM
inspired-basis$50.00$50.0011/24/2009 3:54:00 AM
ronin4sale$47.58$47.5811/24/2009 5:48:33 AM
vigorous-moola$36.00$36.0011/24/2009 5:40:57 AM
dime-fighter$38.00$38.0011/24/2009 6:12:48 AM
Ray3486$25.00$25.0011/24/2009 8:08:06 AM
PotBellyPete$75.00$75.0011/24/2009 8:14:16 AM
Leshan$75.00$75.0011/24/2009 8:13:43 AM
wizard750$38.99$38.9911/24/2009 8:10:49 AM
invincible-gain$104.71$104.7111/24/2009 8:12:04 AM
waterlogged39$100.00$100.0011/24/2009 9:03:13 AM
felicity-daydream$50.00$50.0011/24/2009 8:53:29 AM
doctorgrab$25.00$25.0011/24/2009 9:13:36 AM
best-commanding-funds$25.00$25.0011/24/2009 9:56:45 AM
FarDarrig$50.00$50.0011/24/2009 10:11:46 AM
a-reasonable-return$50.00$50.0011/24/2009 11:39:31 AM
impartial-deal$25.00$25.0011/24/2009 11:45:19 AM
CatbirdBanking$25.00$25.0011/24/2009 12:20:29 PM
shrewd-income$50.00$50.0011/24/2009 1:31:16 PM
MITPhysics$25.00$25.0011/24/2009 12:55:23 PM
dejnik$25.00$25.0011/24/2009 1:04:45 PM
balanced-return5$25.00$25.0011/24/2009 1:20:58 PM
rockymtbob$50.00$50.0011/24/2009 1:45:05 PM
mespeedy36$25.00$25.0011/24/2009 1:39:30 PM
dorypro$25.00$25.0011/24/2009 2:55:01 PM
bobnewt$50.00$50.0011/24/2009 3:17:21 PM
Skeptical-one$100.00$100.0011/24/2009 4:25:37 PM
just-trade0$36.00$36.0011/24/2009 4:59:13 PM
Jazzy503$25.00$25.0011/24/2009 4:54:53 PM
stockcop$50.00$50.0011/24/2009 5:03:04 PM
forthright-dedication$25.00$25.0011/22/2009 8:47:32 PM
reflective-rupee$25.00$25.0011/23/2009 8:31:31 AM
bonus-patriot$50.00$50.0011/23/2009 12:31:24 PM
kindness-jedi$25.00$25.0011/23/2009 2:25:16 PM
reflective-rupee$25.00$25.0011/23/2009 8:31:17 AM
wyogirllender$25.00$25.0011/23/2009 9:36:22 AM
kindness-jedi$25.00$25.0011/23/2009 2:24:56 PM
tigercat$50.00$50.0011/23/2009 5:02:32 PM
blue-pragmatic-truth$25.00$25.0011/23/2009 5:05:21 PM
enthusiastic-balance5$100.00$100.0011/23/2009 5:39:00 PM
doelenda$25.00$25.0011/23/2009 6:23:14 PM
adam28$25.00$25.0011/23/2009 6:29:09 PM
HPANTER311$25.00$25.0011/23/2009 7:04:39 PM
Investor704$50.00$50.0011/23/2009 7:55:33 PM
money_player$50.00$50.0011/23/2009 9:56:10 PM
Pu239$50.00$50.0011/23/2009 6:31:44 PM
lender12345$100.00$100.0011/23/2009 6:39:24 PM
loss-of-control$100.00$100.0011/23/2009 7:11:42 PM
return-grizzly$100.00$100.0011/23/2009 7:39:14 PM
forthright-durability$25.00$25.0011/23/2009 8:13:28 PM
invincible-gain$120.00$120.0011/23/2009 8:28:00 PM
carmat60$25.00$25.0011/23/2009 11:14:45 PM
E-B$50.00$50.0011/24/2009 3:34:04 AM
a-finance-nirvana$100.00$100.0011/24/2009 4:26:26 AM
dorypro$25.00$25.0011/24/2009 5:59:36 AM
crw1950$50.00$50.0011/24/2009 7:04:29 AM
MrLeft$50.00$50.0011/24/2009 7:58:11 AM
TakeCare$50.00$50.0011/24/2009 9:09:41 AM
CMDCO$50.00$50.0011/24/2009 9:31:28 AM
crdcteng$25.00$25.0011/24/2009 9:22:13 AM
durability-colonel$50.00$50.0011/24/2009 9:52:07 AM
sturdy-peace9$50.00$50.0011/24/2009 10:20:34 AM
WMY-Investor$250.00$250.0011/24/2009 10:33:02 AM
icess285$25.00$25.0011/24/2009 10:45:56 AM
bestloanrate$50.00$50.0011/24/2009 11:04:11 AM
penny-surgeon$25.00$25.0011/24/2009 11:49:02 AM
Champion_Lending$25.00$25.0011/24/2009 12:35:25 PM
MITPhysics$50.34$50.3411/24/2009 1:06:46 PM
nymoney$32.59$32.5911/24/2009 1:42:14 PM
lnrn$34.67$34.6711/24/2009 1:43:01 PM
balanced-return5$28.45$28.4511/24/2009 1:21:30 PM
tekstyle38$25.00$25.0011/24/2009 2:28:28 PM
credit-missile$153.37$153.3711/24/2009 2:28:07 PM
payout-reaction740$25.00$25.0011/24/2009 2:33:11 PM
daekpon$45.00$45.0011/24/2009 3:56:47 PM
professional-finance$25.00$25.0011/24/2009 3:57:47 PM
jybank$25.00$25.0011/24/2009 3:26:58 PM
cashasaurus0$100.00$100.0011/24/2009 3:32:45 PM
credit-missile$50.00$50.0011/24/2009 3:44:42 PM
credit-missile$50.00$50.0011/24/2009 3:37:13 PM
the-profit-oracle$25.00$25.0011/24/2009 3:49:42 PM
loss-of-control$50.00$50.0011/24/2009 4:22:58 PM
transparency-tomahawk$100.00$100.0011/24/2009 4:26:46 PM
leverage-monger$100.00$100.0011/24/2009 4:49:09 PM
friendinmoney$25.00$25.0011/24/2009 5:05:50 PM
Engineer44$29.00$29.0011/24/2009 5:06:28 PM
leverage-monger$100.00$100.0011/24/2009 4:54:12 PM
DMKAssetManagement$27.52$27.5211/24/2009 4:57:34 PM
100 bids
 
Borrower Payment Dependent Notes Series 433207
This series of Notes was issued and sold upon the funding of the borrower loan #39735, 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-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $69.33
Final lender yield: 8.74% Final borrower rate/APR: 9.74% / 11.84% Final monthly payment: $64.29
 
Auction yield range: 4.29% - 14.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
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: 9 First credit line: Nov-2003 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $12,013 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: sinnal 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
Testing Prosper for Business Funds
Purpose of loan:
Test viability of Prosper to raise small amounts of business capital.? I plan on using this as a test and if it works out I will raise more funds around May 2010.? Test funds will be?spread across multiple?investments.? Primary business investments include Tax Lien investments.??I do not bid on any liens with a low rate?return - meaning that I do not bid down the rate to unreasonable levels.? In the event of foreclosure the company purchases and either sells or rents property depending on financials.? Bids do not exceed half of properties assessed value. I use?a discounted cash flows model?to help?determine value of property and of course utilize public assessment information.? I only bid on properties with physical improvements and am not interested in speculative properties or in this case undeveloped land.? This process has already been tested and proves to give me a return between 14 and 18 percent that is assured by the County.? This 14 to 18 percent return is on the low end of the return spectrum.? In the rare case that the property goes into foreclosure rates of return are much higher.?

Overall, I am a good candidate for this loan, because frankly I don't need it.? I'm attempting to find cheap money to invest at higher rates of return.? I'm more than happy to pass a return on to those who want to invest, but don't plan on taking a loss. I make a return on my own money as it is, but obviously do benefit from making additional money.? Also, on a personal perspective I repay all of my debts.?? My revolving credit balance is more a testament of my ability to find investments that offer a much higher rate of return than the 10% I would pay on the cards themselves.? All that being said even if my investments went bust I still have the ability to repay the loans via my salary quite easily.

Also, to be candid I do not plan on taking any loan for the expected period of three years.? I'm not sure if this makes my loan more or less attractive, but my objective will be to repay the loans within a maximum of a year and a half and quite possibly within six months after I've received a return.

Education:
BS in Computer Information Systems
Third year MBA Candidate at the Smith School of Business at the University of Maryland

My financial situation:
Monthly Salary: 5108.20 (After Tax and other deductions)

Mortgage : 2402.95
Car payment : 259.65
Utilities : 209.15
Insurance : 52.78
Education Expense : 237.33
Gas : 85.67
Food : 387.65
House Maintenance : 45
Entertainment : 178.97
Total Expense : 3859.15

Net Income?: 1249.05

Other Unverified Income :
Dividend Income : 1322.96?

Other household income :?
Monthly Salary: 2875? (after taxes and other deductions)
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: If you are serious about using Prosper for biz loans consider becoming a lender. Our Prosper group "Lendersclub" can help! http://www.prosper.com/groups/group_home.aspx?group_short_name=lendersclub - JGuide
A: To be honest I was more interested in using prosper from a lender perspective and initially registered as a lender. When I registered however prosper was going through some sort of financial exercise and all new loans were frozen. When prosper exited this frozen status some rules had changed and they do not accept lender funds from lenders in the state of Maryland. I currently live in Maryland so this causes a bit of a problem. (Nov-15-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
showmethemoney5$54.56$54.5611/19/2009 5:36:55 PM
noodles932$50.00$50.0011/19/2009 7:03:23 PM
EliteCapital$25.00$25.0011/19/2009 8:18:23 PM
Ebanco$25.00$25.0011/19/2009 11:23:46 PM
carrinel$100.00$100.0011/20/2009 6:30:37 AM
ScottFinance$25.00$25.0011/20/2009 8:51:45 AM
Silverling6$26.87$26.8711/20/2009 9:34:28 AM
JaceSpade$25.00$25.0011/19/2009 9:06:31 PM
medkoder$25.00$25.0011/19/2009 10:18:40 PM
wild-orange$300.00$300.0011/20/2009 2:52:06 AM
fatboy888$25.00$25.0011/20/2009 5:46:44 AM
lender73w$25.00$25.0011/20/2009 9:05:07 AM
Astyanax$25.00$25.0011/20/2009 9:30:22 AM
jtoms101$200.00$200.0011/20/2009 10:26:29 AM
gpuck$25.00$25.0011/20/2009 2:56:13 PM
Cypher041$25.00$25.0011/20/2009 4:33:36 PM
patriot384$50.00$50.0011/20/2009 3:21:42 PM
OoM$25.00$25.0011/20/2009 1:02:14 PM
myidear$27.00$27.0011/20/2009 1:32:56 PM
suburbanman64$40.00$2.2411/20/2009 2:12:02 PM
bonus-patriot$25.00$25.0011/20/2009 3:56:26 PM
icon7$60.00$60.0011/20/2009 4:22:44 PM
hellasow$25.00$25.0011/14/2009 11:54:05 AM
Whosonfirst$25.00$25.0011/19/2009 10:28:08 AM
Dskillz$33.67$33.6711/19/2009 2:09:21 PM
JerryB96$25.00$25.0011/19/2009 6:34:59 PM
Dollars4Rent$25.00$25.0011/19/2009 1:48:02 PM
KSPHoldings$25.00$25.0011/20/2009 5:40:06 AM
Halos2002$100.00$100.0011/20/2009 9:19:47 AM
piano55$28.66$28.6611/20/2009 9:24:20 AM
kf88$27.00$27.0011/20/2009 8:49:35 AM
jayk63$25.00$25.0011/19/2009 7:22:37 PM
JGuide$25.00$25.0011/20/2009 11:35:16 AM
lucygirl2$40.00$40.0011/20/2009 1:58:19 PM
AustinAmerica$25.00$25.0011/20/2009 1:42:21 PM
Kyileo$50.00$50.0011/20/2009 2:12:36 PM
TakeCare$25.00$25.0011/20/2009 2:21:28 PM
Scubadiver$50.00$50.0011/20/2009 3:01:39 PM
fenix692$50.00$50.0011/20/2009 3:16:15 PM
kinetic-social$25.00$25.0011/20/2009 4:45:17 PM
bankofmay$25.00$25.0011/20/2009 3:31:10 PM
fire_torf$25.00$25.0011/20/2009 4:16:51 PM
maineyankee$25.00$25.0011/20/2009 2:30:01 PM
Mikale360$25.00$25.0011/20/2009 3:38:01 PM
Gaelicman$50.00$50.0011/20/2009 4:43:36 PM
friendinmoney$50.00$50.0011/20/2009 4:45:28 PM
46 bids
 
Borrower Payment Dependent Notes Series 433217
This series of Notes was issued and sold upon the funding of the borrower loan #39697, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 16.09% Starting borrower rate/APR: 17.09% / 19.29% Starting monthly payment: $267.73
Final lender yield: 14.05% Final borrower rate/APR: 15.05% / 17.22% Final monthly payment: $260.17
 
Auction yield range: 6.29% - 16.09% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Nov-1982 Debt/Income ratio: 31%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $11,149 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 56%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: credit-squirrel644 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? pay off high interest credit cards. I have already cut up the cards. I wish to get back to a cash basis.

My financial situation:
I am a good candidate for this loan because? I am a teacher in good standing. I will be tutoring this summer as well as I will be seeking additional summer employment in educational media design and technology. I pay my bills on time and I have worked hard to keep a high credit rating. I also hold a real estate license and I am hoping the market will come back. I want to have a fresh start. I am in excellent health and plan to work for another 30 years. I own my home.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Also in your comments, you say that you own your own home but the prosper listing says that you don't. Please clarify. - exciting-fairness
A: I do own my home. (Nov-14-2009)
Q: Please provide your take home pay and list of monthly expenses. Thanks. - exciting-fairness
A: $2563.00 take-home: $2063.00 monthly expenses (Nov-14-2009)
Q: Please list all of your debts, and please indicate the current value of your home. thanks - reflective-rupee
A: Current condo value $145,000.00: Home improvement on a builder supply card: $6,100.00: Four revolving credit cards totaling: $7000.00 (Nov-15-2009)
Q: Do you have any debt on your condo (mortgage or HELOC)? thanks - reflective-rupee
A: Yes, I have a mortgage, balance is $127,000. (Nov-15-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
wampum-chorus3$25.00$25.0011/13/2009 4:50:43 PM
mikeandcat$50.00$50.0011/13/2009 4:51:31 PM
Weaverville$25.00$25.0011/13/2009 4:51:15 PM
hard-working-loot$25.00$25.0011/13/2009 4:53:06 PM
tallmon$25.00$25.0011/13/2009 4:59:09 PM
leodaguy$25.00$25.0011/13/2009 4:59:22 PM
transaction-axis$25.00$25.0011/13/2009 5:00:24 PM
lloyd_s$25.00$25.0011/13/2009 5:00:40 PM
biobulator$25.00$25.0011/13/2009 5:00:51 PM
Interstate_Rate$500.00$500.0011/13/2009 5:00:54 PM
miked8303$25.00$25.0011/13/2009 5:01:32 PM
Heatguy$50.00$50.0011/13/2009 5:01:38 PM
Lightlife$50.00$50.0011/13/2009 5:02:09 PM
credit-kahuna$100.00$100.0011/13/2009 5:02:20 PM
fortytwo$150.00$150.0011/13/2009 4:52:20 PM
crazycool$25.00$25.0011/13/2009 4:52:31 PM
EnigmaNYC-29$25.00$25.0011/13/2009 5:02:33 PM
CarDealer3070$25.00$25.0011/13/2009 5:02:37 PM
skuba$25.00$25.0011/13/2009 4:52:41 PM
Havana21$50.00$50.0011/13/2009 5:02:52 PM
gracej$25.00$25.0011/13/2009 5:02:54 PM
RetiredATC$25.00$25.0011/13/2009 5:03:43 PM
chicco$80.00$69.9811/13/2009 5:04:00 PM
anton$50.00$50.0011/13/2009 4:54:24 PM
Josta$32.46$32.4611/13/2009 4:54:32 PM
five-star-note$25.00$25.0011/13/2009 4:55:06 PM
social-gatherer7$25.00$25.0011/13/2009 4:58:01 PM
sharkm$25.00$25.0011/13/2009 4:59:47 PM
E_G$30.00$30.0011/13/2009 4:59:58 PM
gold-sushi$25.00$25.0011/13/2009 5:00:45 PM
brother_tam$50.00$50.0011/13/2009 5:00:58 PM
charming-point$50.00$50.0011/13/2009 5:01:43 PM
payout-achievement$40.00$40.0011/13/2009 5:02:28 PM
unclejaef$25.00$25.0011/13/2009 5:02:39 PM
SNH$50.00$50.0011/13/2009 5:03:09 PM
rolandweary$40.00$40.0011/13/2009 5:03:15 PM
Clambake$50.00$50.0011/13/2009 5:03:25 PM
vcbogan$100.00$100.0011/13/2009 5:03:34 PM
swoosh$25.00$25.0011/13/2009 5:03:38 PM
Cai8899$40.00$40.0011/13/2009 5:03:44 PM
bchen78875$25.00$25.0011/13/2009 5:03:50 PM
CallMeBen$25.00$25.0011/15/2009 8:20:22 PM
ethicalhumanist$25.00$25.0011/16/2009 9:37:08 AM
wwwUniversal$25.00$25.0011/15/2009 7:10:52 PM
PalmTreeIsland$95.47$95.4711/16/2009 9:53:58 AM
fostaman$25.00$25.0011/17/2009 5:02:00 PM
Credit2Prosper$50.00$50.0011/17/2009 5:26:19 PM
building_community$25.00$25.0011/17/2009 6:49:42 PM
outofoffice$40.00$40.0011/17/2009 8:51:35 PM
principal-laser$100.00$100.0011/18/2009 5:35:56 PM
safe-money5$25.00$25.0011/19/2009 5:13:33 AM
bnsfnut$35.00$35.0011/19/2009 10:49:22 AM
johnpmid$25.00$25.0011/19/2009 5:47:03 PM
BuzzyBee336$25.00$25.0011/19/2009 8:27:00 PM
estancias$25.00$25.0011/20/2009 1:12:39 AM
amor1962$25.00$25.0011/20/2009 4:48:25 AM
willinvest$25.00$25.0011/20/2009 8:19:20 AM
lendme2$28.37$28.3711/20/2009 8:22:37 AM
Torvald$25.50$25.5011/20/2009 9:36:52 AM
VT2VA$25.00$25.0011/20/2009 9:39:34 AM
PotBellyPete$50.00$50.0011/19/2009 8:17:52 PM
wild-orange$200.00$200.0011/20/2009 2:58:15 AM
aspire2grow$25.00$25.0011/20/2009 8:07:59 AM
leverage-monger$200.00$200.0011/20/2009 8:49:39 AM
John_14_6$25.00$25.0011/20/2009 12:19:52 PM
oreyedoc$50.00$50.0011/20/2009 11:45:19 AM
rdrloan$25.00$25.0011/20/2009 12:56:27 PM
bear01$30.00$30.0011/20/2009 2:00:56 PM
RecoveryLender$25.00$25.0011/20/2009 2:13:03 PM
Engineer44$25.00$25.0011/20/2009 4:46:12 PM
Gaelicman$110.64$110.6411/20/2009 11:22:51 AM
maga$25.00$25.0011/20/2009 12:16:40 PM
Easystreet$25.00$25.0011/20/2009 12:55:52 PM
Occhy$25.00$25.0011/20/2009 1:09:26 PM
Moots$40.00$40.0011/20/2009 1:13:28 PM
a-finance-nirvana$250.00$250.0011/20/2009 3:13:46 PM
patriot384$50.00$50.0011/20/2009 3:24:47 PM
bonus-patriot$35.67$35.6711/20/2009 3:49:49 PM
the-silver-blaster$25.00$25.0011/20/2009 4:18:41 PM
AF-Chief$25.00$25.0011/13/2009 4:52:00 PM
desertoasis$25.00$25.0011/13/2009 4:53:37 PM
Syzygy$25.00$25.0011/13/2009 4:53:59 PM
roto$25.00$25.0011/13/2009 4:55:15 PM
lend_to_you$25.00$25.0011/13/2009 4:59:13 PM
newbietony$25.00$25.0011/13/2009 4:59:38 PM
burgeoning-silver$25.00$25.0011/13/2009 5:00:09 PM
CASHGIRL$75.00$75.0011/13/2009 5:00:32 PM
mmqc$25.00$25.0011/13/2009 5:01:26 PM
return-elm$25.00$25.0011/13/2009 5:01:30 PM
mikrolown$25.00$25.0011/13/2009 5:01:35 PM
Aimvest$25.00$25.0011/13/2009 5:01:50 PM
Boca$25.00$25.0011/13/2009 5:01:56 PM
value-pole$25.00$25.0011/13/2009 5:02:05 PM
LEWK25$25.00$25.0011/13/2009 5:02:15 PM
justice-dna$25.00$25.0011/13/2009 5:02:24 PM
booksleuth$50.00$50.0011/13/2009 4:52:39 PM
wise-extraordinary-loot$30.00$30.0011/13/2009 5:02:42 PM
wise-spirited-nickel$50.00$50.0011/13/2009 4:53:01 PM
bonus-buddy2$35.00$35.0011/13/2009 5:03:22 PM
yield-lion$25.00$25.0011/13/2009 5:03:29 PM
WalnutCreekguy$33.00$33.0011/13/2009 5:03:54 PM
selfmademan$25.00$25.0011/13/2009 4:54:06 PM
cash-boots$25.00$25.0011/13/2009 4:55:20 PM
iolaire$25.00$25.0011/13/2009 4:57:31 PM
granitepk$25.00$25.0011/13/2009 4:57:38 PM
Diamond_Jim$25.00$25.0011/13/2009 4:57:55 PM
tremendous-payment$25.00$25.0011/13/2009 5:00:28 PM
income-rocker2$250.00$250.0011/13/2009 5:00:33 PM
Artist_Blue$25.00$25.0011/13/2009 5:00:47 PM
elegant-bonus$100.00$100.0011/13/2009 5:01:47 PM
power-flow6$25.00$25.0011/13/2009 5:01:54 PM
currency-cigar4$25.00$25.0011/13/2009 5:01:59 PM
Frenchynh$25.00$25.0011/13/2009 5:02:01 PM
rmachi$25.00$25.0011/13/2009 5:02:16 PM
iruz$50.00$50.0011/13/2009 5:02:30 PM
kulender$25.00$25.0011/13/2009 5:02:45 PM
YogaDude34$50.00$50.0011/13/2009 5:02:47 PM
czar3$30.00$30.0011/13/2009 5:03:00 PM
personal-lender$25.00$25.0011/13/2009 5:03:05 PM
museic1$50.00$50.0011/13/2009 5:03:19 PM
techvet$25.00$25.0011/13/2009 5:03:57 PM
4est$25.00$25.0011/13/2009 5:14:13 PM
jybank$25.00$25.0011/13/2009 5:12:45 PM
HenryK7$25.00$25.0011/15/2009 10:10:19 PM
Pickmar$25.00$25.0011/16/2009 9:02:35 AM
jcquiroz$57.77$57.7711/16/2009 9:48:01 AM
Catz_aplenty$25.00$25.0011/18/2009 10:04:20 AM
jtoms101$100.00$100.0011/18/2009 11:05:50 AM
authoritative-social$25.00$25.0011/18/2009 7:43:17 PM
ussugm$25.00$25.0011/19/2009 8:48:52 AM
dynamic-fairness$25.00$25.0011/18/2009 6:29:09 PM
spiff666$25.00$25.0011/18/2009 8:54:01 PM
thestartuplender$50.00$50.0011/19/2009 7:00:24 AM
best-investment-escalator$25.00$25.0011/19/2009 1:05:04 PM
umfan123$25.00$25.0011/19/2009 5:33:16 PM
money_player$25.00$25.0011/19/2009 10:11:19 PM
McChan$50.00$50.0011/19/2009 10:00:15 PM
truth-smasher$25.00$25.0011/19/2009 10:39:36 PM
Sol_Invictus$25.00$25.0011/20/2009 6:28:03 AM
a-important-leverage$50.00$50.0011/20/2009 8:58:46 AM
lnrn$25.00$25.0011/20/2009 9:13:02 AM
LendToCause$25.00$25.0011/19/2009 8:02:27 PM
truelumen$25.00$25.0011/19/2009 8:49:44 PM
solin003$25.00$25.0011/20/2009 12:46:02 AM
GOPHERBOY$100.00$100.0011/20/2009 5:49:49 AM
jonric777$25.00$25.0011/20/2009 6:00:14 AM
credit-coach118$25.00$25.0011/20/2009 9:38:35 AM
P2PHelper$25.00$25.0011/20/2009 11:17:50 AM
rockhound84$25.00$25.0011/20/2009 12:16:16 PM
favorite-commerce$25.00$25.0011/20/2009 1:15:10 PM
leverage-monger$200.00$200.0011/20/2009 1:55:53 PM
Oupa-George$25.00$25.0011/20/2009 12:54:54 PM
TakeCare$25.00$25.0011/20/2009 2:25:36 PM
thebadpelican$50.00$50.0011/20/2009 3:26:07 PM
exciting-fairness$150.00$150.0011/20/2009 3:49:15 PM
a-finance-nirvana$75.00$75.0011/20/2009 3:15:31 PM
GOPHERBOY$75.00$75.0011/20/2009 3:30:50 PM
friendinmoney$100.00$100.0011/20/2009 4:46:08 PM
chemestudent$25.00$25.0011/20/2009 4:34:33 PM
careful-wealth$81.14$81.1411/20/2009 4:43:00 PM
People-for-people$50.00$50.0011/20/2009 12:08:07 PM
gatherer750$25.00$25.0011/20/2009 2:10:30 PM
suburbanman64$40.00$40.0011/20/2009 2:16:48 PM
ArtLends$25.00$25.0011/20/2009 2:19:45 PM
164 bids
 
Borrower Payment Dependent Notes Series 433229
This series of Notes was issued and sold upon the funding of the borrower loan #39774, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 15.02% Starting borrower rate/APR: 16.02% / 18.20% Starting monthly payment: $186.38
Final lender yield: 15.02% Final borrower rate/APR: 16.02% / 18.20% Final monthly payment: $186.38
 
Auction yield range: 4.29% - 15.02% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 12.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1997 Debt/Income ratio: 25%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $17,761 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 3 Bankcard utilization: 57%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: benjamins-goblin Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Relist: Expecting Second Child
Purpose of loan: This loan will be used to consolidate debt and supplement my wife?s income while she is on maternity leave. My wife and I are expecting our second baby and we are very excited! My wife is self-employed as a massage therapist and her income will be about half while she takes some time off after delivery. This loan will allow us to relax during the remainder of her pregnancy as we know that we will be financially okay when she is at home with our new baby.


My financial situation: I am extremely money conscious. My focus is to be financially responsible and as such I would like to lower our monthly payments before she goes on leave.

Monthly net income: $ 4500 including my wife?s income.

Monthly expenses: $ ??Housing: $ 1350??Insurance: $ 160???Utilities: $?200??Phone, cable, internet: $ 150??Food, entertainment: $125 ??Clothing, household expenses $ 150??Credit cards and other loans: $?1500??Other expenses: $ 500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Could you explain the 3 public records for us please? - sshgfwb
A: Those are from a tax issue in 2000 and 2001. They have been cleared up since 2004. (Nov-16-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cfarther$25.00$25.0011/13/2009 4:50:02 PM
Rattlehead$75.00$75.0011/13/2009 4:51:56 PM
People-for-people$50.00$50.0011/13/2009 4:53:24 PM
CallMeBen$25.00$25.0011/13/2009 4:57:09 PM
five-star-note$25.00$25.0011/13/2009 4:50:17 PM
WHEREISTHEMOON$50.00$50.0011/13/2009 4:51:21 PM
silverloan$50.00$50.0011/13/2009 4:54:02 PM
Dollarhide$25.00$25.0011/13/2009 5:01:12 PM
golden-cat$25.00$25.0011/14/2009 7:54:14 AM
mamayama$100.00$100.0011/14/2009 3:06:17 PM
Rebecca5$50.00$50.0011/15/2009 9:01:33 PM
peaceful-trade$25.00$25.0011/16/2009 5:44:48 AM
vegaslender88$25.00$25.0011/16/2009 2:20:50 AM
MorChaos$25.00$25.0011/16/2009 3:43:27 PM
responsibility-butterfly$25.00$25.0011/16/2009 3:51:42 PM
lavb23$25.00$25.0011/17/2009 1:54:24 PM
RadCad1$50.00$50.0011/18/2009 9:56:26 AM
b-rent$25.00$25.0011/18/2009 1:19:33 PM
oblio66$50.00$50.0011/18/2009 12:54:49 PM
shaker0$25.00$25.0011/19/2009 5:37:24 AM
sks1$25.00$25.0011/19/2009 10:21:47 AM
feedpaulyfaster$25.00$25.0011/19/2009 5:04:26 PM
availableloan$25.00$25.0011/19/2009 10:29:27 PM
credit-coach118$25.00$25.0011/19/2009 3:00:06 PM
sshgfwb$25.00$25.0011/20/2009 9:35:17 AM
bruin558$50.00$50.0011/20/2009 10:55:30 AM
reflective-rupee$55.00$55.0011/20/2009 11:21:42 AM
leverage-monger$200.00$200.0011/20/2009 2:09:42 PM
Gobsek$25.00$25.0011/20/2009 2:22:48 PM
RgPro$52.65$52.6511/20/2009 1:11:12 PM
Mookouw$25.00$25.0011/20/2009 3:09:56 PM
scredneck$50.00$50.0011/20/2009 3:11:58 PM
leverage-monger$200.00$200.0011/20/2009 3:59:20 PM
GOPHERBOY$150.00$150.0011/20/2009 4:22:37 PM
BAEVentures$25.00$25.0011/20/2009 4:43:48 PM
professional-finance$25.00$25.0011/20/2009 4:10:00 PM
affluence-tulip$100.00$100.0011/20/2009 4:44:34 PM
steady-dime$25.00$25.0011/20/2009 4:44:53 PM
reflective-rupee$530.00$105.8211/20/2009 11:25:02 AM
dlg$25.52$25.5211/20/2009 1:40:05 PM
whitegold24k$387.82$387.8211/20/2009 2:00:48 PM
minista$25.00$25.0011/20/2009 2:09:31 PM
Jazzy503$25.00$25.0011/20/2009 2:57:36 PM
PR05P3RToday$25.00$25.0011/20/2009 3:11:46 PM
revenue-appraiser$100.00$100.0011/20/2009 3:13:39 PM
transparency-tomahawk$25.00$25.0011/20/2009 3:17:09 PM
tigercat$50.00$50.0011/20/2009 4:12:31 PM
GOPHERBOY$125.00$125.0011/20/2009 4:33:56 PM
cutter21$31.82$31.8211/20/2009 4:35:10 PM
Gaelicman$74.29$74.2911/20/2009 4:40:56 PM
hawk357$30.00$30.0011/20/2009 4:42:12 PM
cbz$25.00$25.0011/13/2009 4:51:35 PM
enterprising-integrity$25.00$25.0011/13/2009 4:53:43 PM
rjleves$25.00$25.0011/13/2009 4:54:35 PM
impressive-loan$100.00$100.0011/13/2009 5:01:06 PM
WealthBoy$25.00$25.0011/13/2009 4:51:17 PM
SnE$25.00$25.0011/13/2009 5:08:22 PM
blot44$25.00$25.0011/13/2009 7:57:31 PM
ekmendenhall$25.00$25.0011/13/2009 7:55:30 PM
diplomatic-capital$50.00$50.0011/16/2009 6:25:41 AM
the-auction-lotus$25.00$25.0011/17/2009 1:41:27 PM
Halos2002$50.00$50.0011/18/2009 9:08:13 AM
value-investor9$49.73$49.7311/18/2009 11:36:06 AM
l1u9c9a9s$25.00$25.0011/18/2009 3:53:54 PM
bomdel$25.00$25.0011/18/2009 7:00:02 PM
understanding-integrity4$50.00$50.0011/18/2009 7:27:48 PM
a-special-power$50.00$50.0011/18/2009 4:12:59 PM
Stavros$30.00$30.0011/19/2009 10:11:49 AM
asset-numero-uno$25.00$25.0011/19/2009 12:24:37 PM
building_community$25.00$25.0011/19/2009 3:11:39 PM
flwah$25.00$25.0011/19/2009 2:40:53 PM
blue-pragmatic-truth$25.00$25.0011/19/2009 5:21:00 PM
1traveler$50.00$50.0011/19/2009 10:48:38 PM
Aristophil$100.00$100.0011/19/2009 2:13:12 PM
a-reasonable-return$50.00$50.0011/20/2009 6:36:38 AM
revenue-sapling$25.00$25.0011/20/2009 8:09:24 AM
just-trade0$36.00$36.0011/20/2009 10:20:06 AM
omahajay$50.00$50.0011/19/2009 10:24:03 PM
unbeatable-rate$25.00$25.0011/20/2009 10:25:50 AM
goodhearted-basis4$25.00$25.0011/20/2009 11:51:34 AM
Spizzo$25.00$25.0011/20/2009 11:05:44 AM
Ven58$25.00$25.0011/20/2009 12:08:07 PM
auction-chomper4$25.00$25.0011/20/2009 12:56:17 PM
TakeCare$30.00$30.0011/20/2009 2:29:54 PM
Dustley$25.00$25.0011/20/2009 1:14:28 PM
well-mannered-income3$100.00$100.0011/20/2009 1:38:32 PM
the-silver-blaster$25.00$25.0011/20/2009 4:21:40 PM
Engineer44$36.35$36.3511/20/2009 3:12:25 PM
patriot384$50.00$50.0011/20/2009 3:15:28 PM
Engineer44$25.00$25.0011/20/2009 4:46:35 PM
quickstep$150.00$150.0011/20/2009 3:46:16 PM
reflective-rupee$55.00$55.0011/20/2009 4:23:14 PM
inforapenny$25.00$25.0011/20/2009 11:37:04 AM
leverage-monger$200.00$200.0011/20/2009 2:08:51 PM
dblaz5$500.00$500.0011/20/2009 4:20:23 PM
95 bids
 
Borrower Payment Dependent Notes Series 433235
This series of Notes was issued and sold upon the funding of the borrower loan #39677, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $89.34
Final lender yield: 26.59% Final borrower rate/APR: 27.59% / 29.93% Final monthly payment: $82.28
 
Auction yield range: 11.29% - 33.00% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.93%  
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: 7 First credit line: Sep-1987 Debt/Income ratio: 4%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $3,340 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 84%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: gratefullyblessed 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 my family, Experian 700
Purpose of loan: Due to immigration reasons, my hubby lives in Philippines & I live in USA. My hubby & kids will join me in 2 yrs.?He makes $150/month as caregiver.I send $1200/mo to family. My hubby wants to provide more for our family; WE want outdoor restaurant in our garden by year-end. Many love my hubby's cooking! Philippine elections is May 2010, my hubby knows many running for political office who want our place for meetings. Also, we could make $750/month from karaoke, MORE with food & beer sales. DEFINITE RETURN OF INVESTMENT! I only need $2000 more to complete my family project, thanks to Prosper lenders.

My financial situation:
I am a good candidate for this loan because my Experian scorex plus is 700-720 & I AM NEVER LATE WITH PAYMENTS FOR 7 YRS. My Prosper rate might be B instead of?D without 7 y.o. bankruptcy (thanks to a messy divorce). Having a resto, my hubby can provide better financially & I will have more here to pay off my financial obligations.I don't want to lose others trust & respect. I intend to pay 3 yr loan in half-time. I also want to improve my FICO score for my family's future so I wouldn't want to jeopardize that.? THANKS FOR YOUR HELP & TRUST. GOD BLESS U!

Monthly net income: $ 5077

Monthly expenses: $ 4000
??Housing: $995
??Insurance: $350
??Car expenses: $100?gas?
??Utilities: $22 electric?
??Phone, cable, internet: $ 150
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $400
??Other expenses: $1200-1500
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)
foothillender$25.00$25.0011/14/2009 7:46:54 AM
Thought$50.00$50.0011/14/2009 9:54:56 PM
jpf27$100.00$100.0011/15/2009 7:57:02 PM
rakey$25.00$25.0011/18/2009 10:32:21 AM
mercuriant$25.00$25.0011/19/2009 9:36:29 AM
mybackyard$50.00$50.0011/20/2009 8:04:29 AM
lnrn$25.15$25.1511/20/2009 9:15:07 AM
buffalobills$25.00$25.0011/20/2009 8:28:18 AM
realtormoises$25.00$25.0011/20/2009 9:57:34 AM
ColoradoLender82$25.00$25.0011/20/2009 9:55:23 AM
authoritative-social$25.00$25.0011/20/2009 9:56:01 AM
Bobusa$25.00$25.0011/20/2009 10:03:34 AM
lib5836$25.00$25.0011/19/2009 7:10:41 PM
kindness-jedi$50.00$50.0011/20/2009 1:48:21 PM
TakeCare$25.00$25.0011/20/2009 2:32:08 PM
Gobsek$25.00$25.0011/20/2009 2:26:20 PM
Mikale360$25.00$25.0011/20/2009 3:44:03 PM
DasMula$50.00$50.0011/20/2009 4:45:41 PM
kinetic-social$25.00$25.0011/20/2009 4:46:06 PM
Isotope$25.00$25.0011/20/2009 3:48:55 PM
Gaelicman$25.00$25.0011/20/2009 4:42:50 PM
Thunder08$25.00$25.0011/20/2009 11:47:19 AM
maga$100.00$100.0011/20/2009 12:21:24 PM
DasMula$50.00$50.0011/20/2009 4:46:29 PM
SweetHoneyPot$25.00$25.0011/13/2009 4:50:58 PM
Eloise62$75.00$75.0011/15/2009 7:57:51 PM
lastelias$30.84$30.8411/18/2009 9:20:27 AM
marwadi-62$25.00$25.0011/19/2009 5:21:58 PM
People-for-people$50.00$50.0011/19/2009 5:56:40 PM
fireferd$54.60$54.6011/20/2009 7:35:59 AM
EngineersAlliance$38.73$38.7311/20/2009 8:20:50 AM
turbobunny$25.00$25.0011/20/2009 11:52:25 AM
HomerdohNY$25.00$25.0011/20/2009 1:01:18 PM
LeoBUSIIT$25.00$25.0011/20/2009 2:39:07 PM
a-finance-nirvana$250.00$250.0011/20/2009 3:12:31 PM
exciting-fairness$150.00$150.0011/20/2009 3:55:25 PM
a-finance-nirvana$101.26$101.2611/20/2009 3:15:49 PM
Bank_of_Smitty33$25.00$25.0011/20/2009 3:43:55 PM
AtlantistoXanadu$50.00$50.0011/20/2009 3:47:39 PM
leverage-monger$300.00$174.4211/20/2009 4:02:41 PM
40 bids
 
Borrower Payment Dependent Notes Series 433241
This series of Notes was issued and sold upon the funding of the borrower loan #39756, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 9.04% Starting borrower rate/APR: 10.04% / 10.38% Starting monthly payment: $209.86
Final lender yield: 8.50% Final borrower rate/APR: 9.50% / 9.84% Final monthly payment: $208.21
 
Auction yield range: 3.29% - 9.04% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
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: Nov-1998 Debt/Income ratio: 7%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $79 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Student_Capital Borrower's state: SouthCarolina 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
New Driveway & Siding
Purpose:
This loan will be used to install a cement/asphalt drive and install siding for the overhangs on my brick house.? I took out a 401K loan for these improvements earlier but, a friend needed the money more than me at the time.? Now I have an opportunity to have the work done at a lower price and would like to be able to take advantage of the price.? If any surplus is left I will install new roof shingles to update the roof.

Situation:
I have a steady job and a good income which I live on and pay my bills without having to rely on overtime or bonuses.? I own my home and drive a paid for vehicle.? Thank you for your interest.

Monthly Net Income: $ 2000.00
Monthly Expenses: $ 1110.00 
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Medops911$25.00$25.0011/13/2009 4:50:22 PM
DonaldColorado$25.00$25.0011/13/2009 4:52:50 PM
transparency-giant$50.00$50.0011/13/2009 4:52:54 PM
five-star-note$25.00$25.0011/13/2009 4:55:22 PM
emo13$50.00$50.0011/13/2009 4:55:44 PM
miked8303$25.00$25.0011/13/2009 4:55:52 PM
gizzywump$25.00$25.0011/13/2009 4:55:56 PM
antlr$25.00$25.0011/13/2009 4:56:00 PM
hard-working-loot$25.00$25.0011/13/2009 4:56:05 PM
jd006006$50.00$50.0011/13/2009 4:56:18 PM
MoneyU4IA$40.00$40.0011/13/2009 4:56:31 PM
first-wampum-trapper$25.00$25.0011/13/2009 4:56:27 PM
turbospeed$25.00$25.0011/13/2009 4:57:03 PM
sloak$25.00$25.0011/13/2009 4:57:23 PM
CASHGIRL$75.00$75.0011/13/2009 4:57:45 PM
E_G$50.00$50.0011/13/2009 5:00:02 PM
burgeoning-silver$25.00$24.4711/13/2009 5:00:15 PM
Patrician$100.00$100.0011/13/2009 5:00:04 PM
stock_speculator$25.00$25.0011/13/2009 4:51:06 PM
baroo$25.00$25.0011/13/2009 4:53:09 PM
wrighco$25.00$25.0011/13/2009 4:55:28 PM
kchen486$25.00$25.0011/13/2009 4:55:33 PM
loan-warrior$25.00$25.0011/13/2009 4:56:34 PM
lloyd_s$25.00$25.0011/13/2009 4:57:27 PM
lend_to_you$25.00$25.0011/13/2009 4:59:17 PM
five-star-justice$36.00$36.0011/13/2009 5:07:40 PM
leodaguy$25.00$25.0011/13/2009 4:59:25 PM
building_community$25.00$25.0011/13/2009 5:19:54 PM
blot44$50.00$50.0011/13/2009 7:50:40 PM
a2190b$25.00$25.0011/13/2009 6:41:11 PM
sincere-fund1$75.00$75.0011/15/2009 7:33:45 AM
wwwUniversal$25.00$25.0011/15/2009 7:10:53 PM
value-human$100.00$100.0011/15/2009 1:04:27 PM
Syzygy$25.00$25.0011/16/2009 10:44:49 AM
lendme2$50.00$50.0011/16/2009 11:44:53 AM
UniqueLender$60.00$60.0011/16/2009 1:30:17 PM
jackdempsey$200.00$200.0011/16/2009 2:39:54 PM
responsibility-butterfly$25.00$25.0011/17/2009 1:51:23 PM
dbanwart$25.00$25.0011/17/2009 7:18:37 PM
DADOF1$25.00$25.0011/17/2009 8:12:26 PM
outofoffice$60.00$60.0011/17/2009 8:52:00 PM
jtoms101$165.46$165.4611/18/2009 11:21:21 AM
bomdel$25.00$25.0011/18/2009 7:00:03 PM
top-asset-wizard$25.00$25.0011/18/2009 7:08:39 PM
pietro_torna_indietro$50.00$50.0011/18/2009 8:32:20 PM
ivar$25.00$25.0011/18/2009 10:00:13 PM
1SteelerFan$25.00$25.0011/18/2009 11:19:31 PM
OGS_Capital$25.00$25.0011/19/2009 11:53:22 AM
FjLenders$40.99$40.9911/19/2009 1:51:48 PM
flshdaskll$25.00$25.0011/19/2009 5:04:56 PM
RandyL3$34.81$34.8111/19/2009 4:49:13 PM
JerryB96$25.00$25.0011/19/2009 6:36:42 PM
YummiBear$25.00$25.0011/19/2009 5:50:25 PM
bossyboots01$25.00$25.0011/20/2009 3:39:27 AM
manny00$71.47$71.4711/19/2009 2:03:40 PM
Share-the-wealth$100.00$100.0011/20/2009 7:05:16 AM
leverage-monger$25.00$25.0011/20/2009 8:48:01 AM
oldman68$25.00$25.0011/20/2009 8:16:11 AM
buffalobills$25.00$25.0011/20/2009 8:27:28 AM
asset-numero-uno$100.00$100.0011/20/2009 9:26:40 AM
kf88$25.00$25.0011/20/2009 8:52:30 AM
People-for-people$50.00$50.0011/19/2009 6:16:14 PM
diligent-moola9$25.00$25.0011/19/2009 6:26:24 PM
Lender0307$25.00$25.0011/19/2009 8:29:24 PM
McChan$50.00$50.0011/19/2009 9:49:03 PM
elevated-finance$25.00$25.0011/19/2009 9:57:35 PM
Spiv_51$25.00$25.0011/20/2009 2:13:18 AM
buddy486$25.00$25.0011/20/2009 9:33:57 AM
REITRUST$25.00$25.0011/20/2009 10:43:48 AM
dingus$25.00$25.0011/20/2009 11:07:24 AM
maga$228.00$228.0011/20/2009 12:29:52 PM
octoberfresh$25.00$25.0011/20/2009 12:20:17 PM
rate-hickory$25.00$25.0011/20/2009 1:01:25 PM
BlessedEveryDay$25.00$25.0011/20/2009 3:56:27 PM
MoneyForNothing$25.00$25.0011/20/2009 2:59:43 PM
the-money-gargantuan$25.00$25.0011/20/2009 4:32:24 PM
patriot384$50.00$50.0011/20/2009 3:16:55 PM
exciting-fairness$150.00$150.0011/20/2009 3:52:31 PM
credit-coach118$50.00$50.0011/20/2009 11:11:28 AM
ratzlefrss$50.00$50.0011/20/2009 12:28:30 PM
proton4$75.00$75.0011/20/2009 4:44:30 PM
sidney102$25.00$25.0011/13/2009 4:52:26 PM
TakeCare$100.00$100.0011/13/2009 4:55:49 PM
lucrative-worth$25.00$25.0011/13/2009 4:55:38 PM
zoomdrm57$50.00$50.0011/13/2009 4:56:08 PM
repayment-chef$25.00$25.0011/13/2009 4:56:43 PM
GOPHERBOY$65.00$65.0011/13/2009 4:56:49 PM
Goodlender42$25.00$25.0011/13/2009 4:56:53 PM
Cai8899$50.00$50.0011/13/2009 4:57:16 PM
cash-boots$30.00$30.0011/13/2009 4:59:06 PM
the_winning_ticket$35.00$35.0011/13/2009 4:59:31 PM
sharkm$25.00$25.0011/13/2009 4:59:50 PM
syounker$25.00$25.0011/13/2009 4:56:38 PM
Banker7371$25.00$25.0011/13/2009 4:57:00 PM
investor_101$50.00$50.0011/13/2009 5:08:21 PM
justice-hawk$25.00$25.0011/13/2009 9:23:02 PM
springpanda$50.00$50.0011/13/2009 11:29:49 PM
hellasow$25.00$25.0011/14/2009 11:42:20 AM
jybank$25.00$25.0011/14/2009 10:25:00 PM
minista$25.00$25.0011/14/2009 10:25:06 PM
tommyanthony$46.38$46.3811/15/2009 7:41:51 AM
FundMaker$25.00$25.0011/15/2009 4:21:16 PM
chilandman$100.00$100.0011/16/2009 8:58:23 AM
Pickmar$25.00$25.0011/16/2009 9:05:08 AM
rate-hickory$25.00$25.0011/16/2009 10:05:21 AM
trevize$25.00$25.0011/16/2009 11:04:07 AM
economy-popcorn$25.00$25.0011/16/2009 3:50:02 PM
unk1911$25.00$25.0011/16/2009 4:18:44 PM
GABC-1$50.00$50.0011/16/2009 3:00:02 PM
The-Lighthouse-Group$25.00$25.0011/17/2009 12:16:25 PM
flwah$25.00$25.0011/17/2009 1:51:22 PM
joecar1111$100.00$100.0011/17/2009 5:29:05 PM
BOZO88$25.00$25.0011/17/2009 6:32:04 PM
HPANTER311$25.00$25.0011/18/2009 1:45:06 PM
innovator799$25.00$25.0011/18/2009 6:53:06 PM
honorable-yield$100.00$100.0011/19/2009 7:46:53 AM
bankofmay$25.00$25.0011/18/2009 5:25:39 PM
he-shoots-he-scores$50.00$50.0011/19/2009 10:02:36 AM
qkinger$50.00$50.0011/19/2009 11:13:01 AM
e3oM$50.00$50.0011/19/2009 12:18:07 PM
greenback-floret$50.00$50.0011/19/2009 10:05:54 AM
currency-agave$25.00$25.0011/19/2009 10:06:07 AM
Dollars4Rent$25.00$25.0011/19/2009 1:49:21 PM
NoNameLender$37.01$37.0111/19/2009 7:53:49 PM
estancias$25.00$25.0011/20/2009 1:14:36 AM
pleasant-basis$25.00$25.0011/19/2009 2:13:28 PM
amor1962$25.00$25.0011/20/2009 4:55:24 AM
rate-hickory$25.00$25.0011/20/2009 7:51:33 AM
twtb19$25.00$25.0011/20/2009 7:54:09 AM
piano55$25.00$25.0011/20/2009 9:18:27 AM
Halos2002$100.00$100.0011/20/2009 9:20:38 AM
authoritative-social$25.00$25.0011/20/2009 9:22:43 AM
UncleSafety$100.00$100.0011/20/2009 9:15:28 AM
ajk_blue$25.00$25.0011/19/2009 4:39:54 PM
SOP_Bank$25.00$25.0011/19/2009 5:35:48 PM
payout-reaction740$25.00$25.0011/19/2009 5:39:24 PM
AGSLending$50.00$50.0011/19/2009 8:05:31 PM
wild-orange$200.00$200.0011/20/2009 2:57:11 AM
elegant-bonus$25.00$25.0011/20/2009 7:05:58 AM
Edgewood$25.00$25.0011/20/2009 8:33:22 AM
Marlin2010$25.00$25.0011/20/2009 8:54:25 AM
Astyanax$50.00$50.0011/20/2009 9:46:06 AM
turbostar666$50.41$50.4111/20/2009 10:55:18 AM
maineyankee$25.00$25.0011/20/2009 1:56:33 PM
Mikale360$25.00$25.0011/20/2009 3:45:03 PM
leverage-monger$200.00$200.0011/20/2009 4:22:46 PM
vwman$25.00$25.0011/20/2009 11:01:07 AM
genuine-money3$25.00$25.0011/20/2009 11:23:21 AM
Johnab$50.00$50.0011/20/2009 12:31:27 PM
149 bids
 
Borrower Payment Dependent Notes Series 433247
This series of Notes was issued and sold upon the funding of the borrower loan #39762, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-20-2009 
 
Starting lender yield: 9.04% Starting borrower rate/APR: 10.04% / 10.38% Starting monthly payment: $96.86
Final lender yield: 8.50% Final borrower rate/APR: 9.50% / 9.84% Final monthly payment: $96.10
 
Auction yield range: 3.29% - 9.04% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
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: Dec-1982 Debt/Income ratio: 12%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 7 / 5Employment status:Retired
Now delinquent: 0 Total credit lines: 23Length of status:13y 6m
Amount delinquent: $0 Revolving credit balance: $4,677Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: meanoldlady Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
coordinate move
Purpose of loan:
This loan will be used to? Coordinate my move.? Selling one house, buying another, moving south.? Needing to cover some costs between sale of old house and purchase of new house and since I still have a reverse mortgage on the old?? ?I don't have to make payments on it?? .??

My financial situation:
I am a good candidate for this loan because? I have been a Prosper Lender for 1 1/2 years and still have a sum almost equal to this on loans to others.? My bank says my credit rating is about 804 and my income is easily sufficient? for the payments.?? When my other house is?sold I?MAY pay off the loan.?? Or perhaps just invest in others instead.?? I?LOVE?Prosper.?? It's a great feeling to be able to help someone else.? Hope you'll all be able to? help me this time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you explain why you are not listed as a homeowner in your loan listing? - Camerican
A: I THINK it's because I don't truly own it. It's NOT paid for, has always had a mortgage. . And I had taken out a Reverse Mortgage on it. So They own a big part of it and will be paid off first when it sells.. It is already listed and I am having showings almost every day. After they are paid off, I will be paid MY part of the sale which will be a pretty good amount. (Nov-19-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sidney102$25.00$25.0011/13/2009 4:52:25 PM
wrighco$25.00$25.0011/13/2009 4:55:28 PM
kchen486$25.00$14.5111/13/2009 4:55:33 PM
turbospeed$25.00$25.0011/13/2009 4:57:04 PM
DonaldColorado$25.00$25.0011/13/2009 4:52:51 PM
Brown98$25.00$25.0011/13/2009 5:19:51 PM
GeoLender$25.00$25.0011/13/2009 5:55:52 PM
springpanda$50.00$50.0011/13/2009 11:31:04 PM
sharp-return7$25.00$25.0011/13/2009 5:38:14 PM
dollarboy$25.00$25.0011/14/2009 3:44:28 AM
hellasow$25.00$25.0011/14/2009 11:44:05 AM
orbiter614$50.00$50.0011/15/2009 4:06:42 PM
porwestco$25.00$25.0011/16/2009 8:02:27 AM
unk1911$25.00$25.0011/16/2009 11:49:04 AM
neenerman$50.00$50.0011/16/2009 9:34:03 AM
rmachi$25.00$25.0011/17/2009 10:39:43 AM
HPANTER311$25.00$25.0011/18/2009 1:42:10 PM
blissful-penny$100.00$100.0011/18/2009 11:34:23 PM
greenback-floret$50.00$50.0011/19/2009 10:22:14 AM
olin5$25.00$25.0011/19/2009 10:10:14 AM
whazarook$25.00$25.0011/19/2009 4:20:06 PM
wild-orange$300.00$300.0011/20/2009 2:53:16 AM
LendThriftSimon$25.00$25.0011/20/2009 7:07:57 AM
buffalobills$25.00$25.0011/20/2009 8:24:47 AM
leverage-monger$25.00$25.0011/20/2009 8:46:28 AM
buddy486$25.00$25.0011/20/2009 9:35:19 AM
Astyanax$25.00$25.0011/20/2009 9:48:33 AM
JerryB96$25.00$25.0011/19/2009 6:37:13 PM
shur$25.00$25.0011/19/2009 7:40:16 PM
jybank$25.00$25.0011/19/2009 9:44:47 PM
honorable-yield$75.00$75.0011/20/2009 7:12:44 AM
Jwalker11$26.41$26.4111/20/2009 10:09:44 AM
patriot384$50.00$50.0011/20/2009 3:19:09 PM
transparency-giant$50.00$50.0011/13/2009 4:52:54 PM
Patrician$100.00$100.0011/13/2009 5:00:05 PM
five-star-justice$36.00$36.0011/13/2009 5:07:41 PM
minista$25.00$25.0011/13/2009 5:14:23 PM
F_r_e_d_s__B_a_n_k$100.00$100.0011/13/2009 5:19:34 PM
Google_Me$200.00$200.0011/13/2009 7:15:54 PM
blot44$50.00$50.0011/13/2009 7:52:35 PM
rate-hickory$25.00$25.0011/14/2009 7:58:36 AM
dbanwart$25.00$25.0011/15/2009 4:20:48 AM
tacopants$58.08$58.0811/15/2009 12:09:07 PM
marwadi-62$100.00$100.0011/15/2009 7:47:46 AM
FundMaker$25.00$25.0011/15/2009 4:23:12 PM
springpanda$25.00$25.0011/15/2009 4:07:48 PM
wwwUniversal$25.00$25.0011/15/2009 7:10:54 PM
nimcha$50.00$50.0011/16/2009 3:32:29 PM
Syzygy$25.00$25.0011/16/2009 10:44:50 AM
The-Lighthouse-Group$25.00$25.0011/16/2009 8:36:26 PM
outofoffice$40.00$40.0011/17/2009 8:52:21 PM
bonus-patriot$100.00$100.0011/18/2009 3:01:39 PM
jtoms101$100.00$100.0011/18/2009 11:22:19 AM
flwah$25.00$25.0011/18/2009 5:59:25 PM
socal-lender$25.00$25.0011/18/2009 9:00:13 PM
AsianDragon$100.00$100.0011/18/2009 6:03:35 PM
ivar$25.00$25.0011/18/2009 10:00:57 PM
glenium$25.00$25.0011/20/2009 5:02:33 AM
Jakes_Bank$25.00$25.0011/20/2009 8:28:50 AM
doelenda$25.00$25.0011/19/2009 5:26:09 PM
ice518$25.00$25.0011/20/2009 9:51:26 AM
credit-coach118$25.00$25.0011/20/2009 11:14:30 AM
ratzlefrss$50.00$50.0011/20/2009 12:24:14 PM
Mikale360$25.00$25.0011/20/2009 3:46:12 PM
platinum-goat4$25.00$25.0011/20/2009 3:24:23 PM
gilbrear$25.00$25.0011/20/2009 4:21:54 PM
maineyankee$25.00$25.0011/20/2009 2:04:36 PM
BipedalHominid$25.00$25.0011/20/2009 3:16:08 PM
68 bids
 
Borrower Payment Dependent Notes Series 433303
This series of Notes was issued and sold upon the funding of the borrower loan #39783, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Nov-13-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 22.86% Starting borrower rate/APR: 23.86% / 26.41% Starting monthly payment: $58.74
Final lender yield: 19.00% Final borrower rate/APR: 20.00% / 22.49% Final monthly payment: $55.75
 
Auction yield range: 8.29% - 22.86% Estimated loss impact: 8.44%  
Lender servicing fee: 1.00% Estimated return: 10.56%  
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: 8 First credit line: Sep-1983 Debt/Income ratio: 1%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:21y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: surge855 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
680-699 (Sep-2008)
 
Principal balance: $5,213.32 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Need to Repair our car
Purpose of loan:
This loan will be used to repair our car ( we have a $500 deductible and we also need to pay off a few small medical bills.?

My financial situation:
I am a good candidate for this loan because I pay all my bills no matter how challenging?it can be.?My wife was recently in a car accident and is not yet able to resume her looking for work this is where the medical bills have originated from.
Monthly net income: $ $4,056

Monthly expenses: $
??Housing: $ 809
??Insurance: $ 100
??Car expenses: $ 464
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1500 approx
??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)
well-mannered-income3$25.00$25.0011/13/2009 4:54:51 PM
marwadi-62$200.00$200.0011/13/2009 4:57:45 PM
reliant$25.00$25.0011/13/2009 5:19:26 PM
EngineersAlliance$25.00$25.0011/13/2009 5:20:04 PM
hellasow$25.00$25.0011/14/2009 11:16:56 AM
Pickmar$25.00$25.0011/16/2009 9:08:34 AM
IPG1$25.00$25.0011/16/2009 3:33:42 PM
boredlv$25.00$25.0011/16/2009 4:16:00 PM
khamlagirl$25.00$25.0011/16/2009 8:31:14 PM
SANTIAGO1$25.00$25.0011/17/2009 6:50:36 AM
aurorafinancial$50.00$50.0011/17/2009 10:35:20 AM
Cromag$25.00$25.0011/17/2009 1:06:06 PM
nethosters$25.00$25.0011/18/2009 4:22:33 AM
mdaallen$25.00$25.0011/18/2009 9:07:01 AM
BuzzyBee336$25.00$25.0011/18/2009 8:03:16 PM
vutah$25.00$23.0011/18/2009 9:12:11 PM
Ray3486$25.00$25.0011/19/2009 1:16:43 PM
JustMee$25.00$25.0011/19/2009 12:01:57 PM
Rulea72$25.00$25.0011/19/2009 3:28:41 PM
freedom3$118.00$118.0011/19/2009 4:43:12 PM
carrinel$50.00$50.0011/19/2009 5:01:57 PM
Kash2010lu$25.00$25.0011/19/2009 6:47:17 PM
loan_doctor$25.00$25.0011/13/2009 4:50:26 PM
spy0$25.00$25.0011/14/2009 7:04:57 AM
drcoop$25.00$25.0011/15/2009 2:54:16 PM
goofy15975$25.00$25.0011/16/2009 5:23:54 PM
cippy$50.00$50.0011/17/2009 9:52:19 AM
jtoms101$200.00$200.0011/19/2009 7:40:09 AM
economy-popcorn$25.00$25.0011/19/2009 10:58:58 AM
Streamfeeder$50.00$50.0011/19/2009 9:34:59 AM
Dollars4Rent$25.00$25.0011/19/2009 1:52:57 PM
credit-maestro$35.00$35.0011/19/2009 3:06:22 PM
CA_Lender$25.00$25.0011/19/2009 4:57:01 PM
Credit2Prosper$49.00$49.0011/19/2009 7:06:13 PM
the-profit-oracle$25.00$25.0011/19/2009 4:56:59 PM
payout-reaction740$25.00$25.0011/19/2009 5:44:45 PM
JCPlending$25.00$25.0011/19/2009 7:20:26 PM
37 bids
 
Borrower Payment Dependent Notes Series 433355
This series of Notes was issued and sold upon the funding of the borrower loan #39682, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.73% Final monthly payment: $67.85
 
Auction yield range: 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: 5 First credit line: Aug-1986 Debt/Income ratio: 9%
Credit score: 660-679 (Oct-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 15Length of status:20y 0m
Amount delinquent: $7,964 Revolving credit balance: $985 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: just-gettin-by Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Drowning in tears
Purpose of loan:

This loan will be used to? To redo a shower from a leak that?was discovered after the home was purchased.? The leak was in the side walls due to the tile not being sealed properly.? The walls need to be completely torn out and replaced, as well as part of the upstairs floor.? This was an expense we were not expecting. I was left with a debt from my previous marriage, which has effected my credit, but with the help of my fiance, and my diligence, I am doing all that?I can to? maintain and improve my current credit rating. Due to the divorce, I was left with a home that?is in another state, and that I am unable to?reside in, and as a result of debt to income ratio, my credit score went down. Before the debt that I incurred from the divorce, my credit was flawless. I was always very conscientious about paying my bills on time, and I still am. My fiance is very supportive and is willing to?help me too repay this loan. She has great credit, and between the both of us, we are getting back on track.

Explanation of Delinquency:?? During the divorce proceedings, the out of state home was left to me, in which her brother resided. At the conclusion of the divorce, her brother quit paying rent, which ended up in a delinquency and a foreclosure.? It only went to foreclosure due to lack of cooperation in selling the property from my ex.

All credit cards accumulated during the 15 year marriage was left to me, in which all was paid off.? As a result of closing my accounts, my credit rating went from a 800 plus to a mid 600's.

Expenses:????

Home :????????1400.00
Insurance:????83.00
Electric:????????130.00
Gas:????????????????00 (overpaid on gas bill)
Cable:????????????80.00
Telephone????60.00
Cell (including internet):? 150.00
Food/entertainment:????????200.00
Gas? (vehicles):????????????????75.00
Water:????????????????????30.00
Vehicles:? 0.00 (all vehicles paid in full)
Total:????????$2208.00

Monthly net income: $ 4400.00
I have been a Police Officer for over 23 years and always payed bills on time.? I expect to have this loan paid in full prior to 36 months.
I have relisted this loan request due to friends/family advising me that I did not explain my situation as well as I could have.




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: looks like you clear $2200 a month. Why the loan? thank you - Tono
A: I added my Fiance's income to my total income, which did not include her bills she is paying. We usually keep everything seperate at this point. I also have one other loan that I took out to pay off my ex-wife which is not on the page. Thank you for asking. (Nov-22-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
unk1911$25.00$25.0011/16/2009 5:25:27 PM
uvumf$25.30$25.3011/19/2009 12:44:14 PM
fightgravity$25.00$25.0011/19/2009 4:09:29 PM
capital-galaxy$150.00$150.0011/20/2009 5:34:30 AM
DasMula$100.00$100.0011/20/2009 3:17:52 PM
marwadi-62$50.00$50.0011/20/2009 3:34:55 PM
well-mannered-income3$25.00$25.0011/20/2009 9:04:40 PM
kindness-jedi$75.00$75.0011/22/2009 12:11:35 PM
Happyhourcomics$32.00$32.0011/23/2009 9:24:38 AM
oreyedoc$50.00$50.0011/23/2009 10:01:46 AM
EngineerUSMC$51.89$51.8911/23/2009 11:25:21 AM
kindness-jedi$25.00$25.0011/22/2009 12:11:55 PM
RecoveryLender$25.00$5.8111/23/2009 1:02:35 PM
himistu22$25.00$25.0011/23/2009 3:50:01 PM
Lubava$25.00$25.0011/23/2009 5:07:23 AM
RecoveryLender$25.00$25.0011/23/2009 10:01:36 AM
DasMula$25.00$25.0011/23/2009 4:13:46 PM
himistu22$50.00$50.0011/23/2009 3:51:41 PM
SNH$50.00$50.0011/16/2009 5:07:41 PM
TheAlchemist$50.00$50.0011/17/2009 1:45:43 AM
capital-galaxy$50.00$50.0011/21/2009 7:54:36 AM
return-elm$50.00$50.0011/21/2009 9:17:14 AM
money_player$25.00$25.0011/21/2009 6:41:06 PM
kindness-jedi$100.00$100.0011/22/2009 12:11:20 PM
shrewd-income$100.00$100.0011/23/2009 12:21:20 PM
DasMula$285.00$285.0011/23/2009 4:13:22 PM
26 bids
 
Borrower Payment Dependent Notes Series 433439
This series of Notes was issued and sold upon the funding of the borrower loan #39674, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $37.05
Final lender yield: 6.00% Final borrower rate/APR: 7.00% / 7.34% Final monthly payment: $37.05
 
Auction yield range: 3.29% - 6.00% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.40%  
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: Oct-2000 Debt/Income ratio: 17%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $3,149 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: brightest-contract-doctor Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Mac Computer
Purpose of loan:
I'm a graphic designer who is currently working in the fashion industry, and I want to have a better computer at home for my own freelancing projects.

My financial situation:
I am a good candidate for this loan because I have an excellent credit score, a full time job, and your interest rates seem way better than all credit card choices.

Please feel free to contact me for any further inquiries.

Thanks,

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)
blot44$100.00$100.0011/16/2009 8:03:39 PM
springpanda$50.00$50.0011/17/2009 5:14:36 PM
iolaire$25.00$25.0011/19/2009 7:58:51 AM
value-ranch5$25.00$25.0011/20/2009 2:19:02 AM
hellasow$30.00$30.0011/20/2009 1:28:30 AM
doelenda$25.00$25.0011/21/2009 5:46:34 AM
gsp1885$41.17$41.1711/20/2009 7:42:59 PM
deal-kung-fu$50.00$50.0011/22/2009 6:43:51 AM
ISLA-VISTA$25.80$25.8011/22/2009 11:19:05 AM
Good_Karma_Cafe$25.00$25.0011/23/2009 9:14:50 AM
ingeborg77$50.00$50.0011/23/2009 9:52:12 AM
ingeborg77$50.00$50.0011/23/2009 9:57:20 AM
Hola_James$45.00$45.0011/23/2009 11:37:03 AM
nickel-banshee$50.00$50.0011/23/2009 8:38:09 AM
don'twannadance$50.00$50.0011/23/2009 10:07:17 AM
credit-coach118$25.00$25.0011/23/2009 10:14:08 AM
kinetic-truth$25.00$25.0011/23/2009 10:32:07 AM
green-market-umbrella$50.00$50.0011/23/2009 4:12:25 PM
nickel-pipeline$25.00$23.0311/23/2009 4:13:50 PM
otalon$35.00$35.0011/19/2009 11:30:54 AM
payout-pal$25.00$25.0011/19/2009 4:01:12 PM
sflash$25.00$25.0011/20/2009 6:09:40 PM
Justin42v$25.00$25.0011/20/2009 10:53:04 PM
DirtyJackBoner$50.00$50.0011/21/2009 2:47:44 PM
JerryB96$25.00$25.0011/21/2009 7:57:08 AM
quiggles$25.00$25.0011/23/2009 6:31:18 AM
happyface$50.00$50.0011/23/2009 9:48:28 AM
simiray$25.00$25.0011/23/2009 9:59:50 AM
nickel-pipeline$100.00$100.0011/23/2009 3:59:04 PM
adventurous-cash$25.00$25.0011/23/2009 12:12:35 PM
porwestco$25.00$25.0011/23/2009 3:38:47 PM
31 bids
 
Borrower Payment Dependent Notes Series 433475
This series of Notes was issued and sold upon the funding of the borrower loan #39663, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-22-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $163.55
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $162.28
 
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: 9 First credit line: Apr-1995 Debt/Income ratio: 12%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 9 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $30,759 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: sharp-basis1 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
Loan to help this holiday season
Purpose of loan:
This loan will be used to hlep pay down bills this holiday season.

My financial situation:
I am a good candidate for this loan because I have a full-time job and I pay my debts on time.? I am a good, honest person that you can always count on.
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)
DonaldColorado$25.00$25.0011/16/2009 4:29:41 PM
first-wampum-trapper$25.00$25.0011/16/2009 4:35:19 PM
sidney102$25.00$25.0011/16/2009 4:33:26 PM
antlr$25.00$25.0011/16/2009 4:34:58 PM
Banker7371$25.00$25.0011/16/2009 4:36:00 PM
lend_to_you$50.00$50.0011/16/2009 4:38:46 PM
burgeoning-silver$25.00$25.0011/16/2009 4:39:50 PM
slartibardfast$35.00$35.0011/16/2009 4:45:39 PM
Attract$25.00$25.0011/16/2009 4:45:46 PM
Walkingcowboy$25.00$25.0011/16/2009 4:46:43 PM
greenbackologist$25.00$25.0011/16/2009 4:47:17 PM
wrighco$25.00$25.0011/16/2009 4:34:08 PM
a-responsible-return$25.00$25.0011/16/2009 4:45:56 PM
emo13$50.00$50.0011/16/2009 4:34:26 PM
five-star-note$25.00$25.0011/16/2009 4:48:38 PM
BlindProphet$25.00$25.0011/16/2009 4:46:27 PM
gracej$25.00$25.0011/16/2009 4:46:36 PM
zoomdrm57$50.00$50.0011/16/2009 4:35:10 PM
dionysus03$25.00$25.0011/16/2009 4:46:49 PM
neighborly-hope6$100.00$100.0011/16/2009 4:47:02 PM
syounker$25.00$25.0011/16/2009 4:35:33 PM
rmachi$25.00$25.0011/16/2009 4:47:31 PM
tallmon$25.00$25.0011/16/2009 4:50:54 PM
SNH$50.00$50.0011/16/2009 4:48:25 PM
Binan$25.00$25.0011/16/2009 4:48:54 PM
evnagelist$50.00$50.0011/16/2009 4:53:33 PM
newbietony$40.00$40.0011/16/2009 4:54:00 PM
the-money-gargantuan$25.00$25.0011/16/2009 4:54:24 PM
kulender$25.00$25.0011/16/2009 4:58:30 PM
anton$50.00$50.0011/16/2009 4:57:06 PM
mamayama$25.00$25.0011/16/2009 4:59:04 PM
DadWarbucks$25.00$25.0011/16/2009 4:58:55 PM
ljay$25.00$25.0011/16/2009 4:59:25 PM
Weaverville$25.00$25.0011/16/2009 4:46:12 PM
allieoomp$25.00$25.0011/16/2009 5:01:46 PM
thedoctor$25.00$25.0011/16/2009 4:47:26 PM
truth-prospector$25.00$25.0011/16/2009 5:04:59 PM
best-decisive-peace$25.00$25.0011/16/2009 5:05:52 PM
desertoasis$50.00$50.0011/16/2009 5:06:32 PM
Artist_Blue$25.00$25.0011/16/2009 5:07:06 PM
johannesfactotum$25.00$25.0011/16/2009 4:53:51 PM
tolstoy00$25.00$25.0011/16/2009 4:54:59 PM
Mr_Marcus$50.00$50.0011/16/2009 4:56:27 PM
szetheli$100.00$100.0011/16/2009 7:08:41 PM
highcountry1$25.00$25.0011/16/2009 6:18:31 PM
honorable-yield$75.00$75.0011/16/2009 5:05:40 PM
rakstar$50.00$50.0011/16/2009 9:00:13 PM
a275ranger$25.00$25.0011/16/2009 10:43:47 PM
jd006006$49.14$49.1411/16/2009 5:26:25 PM
Rcprofit$25.00$25.0011/17/2009 9:33:50 AM
Cheburashka$30.00$30.0011/17/2009 11:19:59 AM
julijask$25.00$25.0011/16/2009 9:53:27 PM
dma1206$25.00$25.0011/17/2009 12:25:09 PM
fortytwo$52.06$52.0611/17/2009 1:55:09 PM
kchen486$25.00$25.0011/17/2009 1:54:31 PM
neenerman$25.00$25.0011/17/2009 1:55:03 PM
CULPEPPERGROUP$25.00$25.0011/17/2009 1:55:19 PM
speyer$25.00$25.0011/17/2009 9:48:08 AM
grc$25.00$25.0011/17/2009 10:29:30 AM
kenyonhillbilly$25.00$25.0011/17/2009 10:46:47 AM
ytjameslee$39.83$39.8311/17/2009 1:09:28 PM
Jassi$25.00$25.0011/17/2009 1:54:33 PM
Sixmil$25.00$25.0011/17/2009 1:55:16 PM
cowboyskier$39.26$39.2611/17/2009 2:25:45 PM
aspen5$25.00$25.0011/17/2009 3:25:48 PM
hellasow$25.00$25.0011/20/2009 1:32:36 AM
elegant-bonus$25.00$25.0011/20/2009 5:21:55 PM
momentous-coin$50.00$50.0011/20/2009 11:26:23 PM
serene-capital$25.00$25.0011/21/2009 1:39:02 AM
buckyhead2000$25.00$25.0011/21/2009 9:28:49 AM
zento$25.00$25.0011/21/2009 9:11:32 PM
fostaman$25.00$25.0011/20/2009 8:59:46 PM
JerryB96$25.00$25.0011/21/2009 7:59:48 AM
caseattle$25.00$25.0011/22/2009 4:38:54 PM
chilandman$50.00$50.0011/21/2009 7:33:57 PM
lucrative-worth$25.00$25.0011/16/2009 4:34:20 PM
gizzywump$25.00$25.0011/16/2009 4:34:52 PM
Cai8899$75.00$75.0011/16/2009 4:36:20 PM
sloak$25.00$25.0011/16/2009 4:36:33 PM
TakeCare$100.00$100.0011/16/2009 4:34:33 PM
hard-working-loot$25.00$25.0011/16/2009 4:35:03 PM
MoneyU4IA$40.00$40.0011/16/2009 4:35:26 PM
repayment-chef$25.00$25.0011/16/2009 4:35:39 PM
cash-boots$30.00$30.0011/16/2009 4:38:34 PM
lloyd_s$25.00$25.0011/16/2009 4:36:39 PM
E_G$50.00$50.0011/16/2009 4:39:36 PM
the_winning_ticket$35.00$35.0011/16/2009 4:39:03 PM
personal-lender$25.00$25.0011/16/2009 4:46:03 PM
trident9$50.00$50.0011/16/2009 4:46:54 PM
bonus-patriot$25.00$25.0011/16/2009 4:48:21 PM
miked8303$25.00$25.0011/16/2009 4:34:42 PM
GOPHERBOY$65.00$65.0011/16/2009 4:35:46 PM
Goodlender42$25.00$25.0011/16/2009 4:35:49 PM
888168$50.00$50.0011/16/2009 4:50:46 PM
GElender$50.00$50.0011/16/2009 4:48:14 PM
economy-balance$25.00$25.0011/16/2009 4:49:01 PM
leodaguy$25.00$25.0011/16/2009 4:38:56 PM
Zarf$50.00$50.0011/16/2009 4:53:46 PM
sharkm$25.00$25.0011/16/2009 4:39:20 PM
mikeandcat$50.00$50.0011/16/2009 4:56:36 PM
credit-coach118$35.00$35.0011/16/2009 4:56:50 PM
don8ter$60.00$60.0011/16/2009 4:57:55 PM
trade-doughnut5$25.00$25.0011/16/2009 4:58:25 PM
Klearwater_Pools$25.00$25.0011/16/2009 4:58:43 PM
kanakakm$50.00$50.0011/16/2009 4:45:52 PM
bchen78875$50.00$50.0011/16/2009 4:46:17 PM
steves73$25.00$25.0011/16/2009 5:01:38 PM
justice-dna$35.00$35.0011/16/2009 4:47:11 PM
gethsemane4$25.00$25.0011/16/2009 5:00:37 PM
revenue-sniffer$25.00$25.0011/16/2009 5:01:22 PM
five-star-justice$36.00$36.0011/16/2009 4:48:48 PM
jla720$25.00$25.0011/16/2009 5:05:24 PM
DukSerduk$25.00$25.0011/16/2009 5:03:54 PM
money-explorer3$25.00$25.0011/16/2009 5:06:53 PM
amit_gu$50.00$50.0011/16/2009 5:04:19 PM
aldenrains$25.00$25.0011/16/2009 5:07:29 PM
fair-funds$25.00$25.0011/16/2009 5:06:24 PM
Havana21$50.00$50.0011/16/2009 4:54:05 PM
AF-Chief$35.00$35.0011/16/2009 4:55:31 PM
magical-greenback$55.00$55.0011/16/2009 4:56:13 PM
Speculator$25.00$25.0011/16/2009 4:57:15 PM
BankOfFrankFairness$50.00$50.0011/16/2009 4:59:46 PM
crenen139$100.00$100.0011/16/2009 5:01:07 PM
orange-courageous-dedication$40.00$40.0011/16/2009 5:01:51 PM
Patrician$25.00$25.0011/16/2009 5:50:05 PM
Hogpilot$25.00$25.0011/16/2009 8:08:47 PM
kochan123$25.00$25.0011/16/2009 7:48:39 PM
Steveoo1$50.00$50.0011/16/2009 5:07:12 PM
credit-investor5$50.00$50.0011/17/2009 4:28:36 AM
pragmatic-camaraderi$25.00$25.0011/16/2009 5:24:19 PM
djh47a$33.63$33.6311/17/2009 8:55:15 AM
payout-point$44.47$44.4711/16/2009 7:03:28 PM
Syzygy$25.00$25.0011/17/2009 10:29:16 AM
wise-cash-keeper$50.00$50.0011/17/2009 1:53:37 PM
metro457$25.00$25.0011/17/2009 1:59:16 PM
FlexFunding$60.44$60.4411/17/2009 1:55:14 PM
asset-prescription$25.00$25.0011/17/2009 3:25:42 PM
bigdogsafety1$25.00$10.1711/17/2009 3:30:18 PM
budyzr$25.00$25.0011/17/2009 3:25:44 PM
unk1911$25.00$25.0011/17/2009 11:54:19 AM
Scoote2912$25.00$25.0011/17/2009 12:42:57 PM
cash-tsunami$25.00$25.0011/17/2009 1:51:12 PM
outofoffice$50.00$50.0011/17/2009 8:54:17 PM
availableloan$25.00$25.0011/19/2009 10:29:31 PM
144 bids
 
Borrower Payment Dependent Notes Series 433485
This series of Notes was issued and sold upon the funding of the borrower loan #39684, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 7.69% Starting borrower rate/APR: 8.69% / 9.03% Starting monthly payment: $47.48
Final lender yield: 6.00% Final borrower rate/APR: 7.00% / 7.34% Final monthly payment: $46.32
 
Auction yield range: 3.29% - 7.69% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.40%  
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: Oct-1999 Debt/Income ratio: 7%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:15y 3m
Amount delinquent: $0 Revolving credit balance: $78 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Kissabledevil 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
Testing the waters
Purpose of loan:
This loan will be used to? Probably use it for investment back into Prosper. Either that or let it sit there

My financial situation:
I am a good candidate for this loan because? I saw the info about prosper when it first started. I was not?sure about the feasiblity about it at the time but i kept an eye on it. 2007/2008 the interest rate on loans/investments was to go/go for my tastes. I stayed out of investing until now due possiblity that things may crash. Now though i have a decent stockpile so i am trying it out. I guess this is a good way to say that i am doing this as a way to keep an eye on my fico score. The listed income is after my investments in the militarys 401k and my housing is paid. I just finished getting verified as a lender for prosper and will be lending a couple grand on top of what i will be getting as loans from prosper. Probably will space out loans to establish history. This reminds me of when i first started getting credit 10 years ago. At that time i just took out a very large loan from a credit union to get the priviliage of paying them interest so that i could get credit history.
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)
a-shiny-dime$25.00$25.0011/16/2009 4:32:27 PM
blot44$100.00$100.0011/16/2009 8:05:20 PM
adventurous-payment$50.00$50.0011/16/2009 8:03:25 PM
FundMaker$25.00$25.0011/17/2009 1:39:13 PM
springpanda$75.00$75.0011/17/2009 5:08:10 PM
JGuide$25.00$25.0011/19/2009 5:05:19 PM
MikeSeattle$25.00$25.0011/19/2009 5:57:24 PM
hellasow$25.00$25.0011/20/2009 1:35:44 AM
HOPPS$25.00$25.0011/20/2009 4:36:29 PM
marwadi-62$100.00$100.0011/20/2009 3:38:20 PM
loan-adventurer7$50.00$7.5611/20/2009 10:16:02 PM
JerryB96$25.00$25.0011/21/2009 8:00:21 AM
Firescreek$25.00$25.0011/21/2009 10:58:43 AM
Walden2007$25.00$25.0011/22/2009 9:28:16 AM
mwb$25.00$25.0011/23/2009 8:13:23 AM
investmentgroup$25.00$25.0011/23/2009 4:19:00 AM
loanman2007$200.00$200.0011/21/2009 5:11:55 PM
MoneyForNothing$25.00$25.0011/23/2009 2:58:41 PM
Cookiemonster65$25.00$25.0011/23/2009 3:44:29 PM
jmainc$25.00$25.0011/23/2009 6:32:46 AM
nickel-pipeline$50.00$50.0011/23/2009 4:04:50 PM
surfhoss644$25.00$25.0011/16/2009 8:24:37 PM
Tai$25.00$25.0011/19/2009 9:53:33 AM
sgmm330$25.00$25.0011/19/2009 7:06:33 PM
JCPlending$25.00$25.0011/19/2009 7:21:39 PM
jtoms101$25.71$25.7111/20/2009 5:56:34 AM
batman12$100.00$100.0011/20/2009 7:30:43 AM
suzanny$25.00$25.0011/20/2009 9:12:42 AM
freetolive$25.00$25.0011/20/2009 6:17:37 PM
loanshark62$35.00$35.0011/21/2009 1:43:12 PM
Doohickey415$25.00$25.0011/21/2009 2:51:04 PM
Shanster84$56.73$56.7311/23/2009 11:02:41 AM
iolaire$50.00$50.0011/23/2009 12:46:12 PM
jybank$25.00$25.0011/23/2009 11:39:11 AM
LenderCB$25.00$25.0011/22/2009 11:06:03 PM
PotBellyPete$50.00$50.0011/23/2009 11:38:19 AM
division177$25.00$25.0011/23/2009 4:17:30 PM
37 bids
 
Borrower Payment Dependent Notes Series 433491
This series of Notes was issued and sold upon the funding of the borrower loan #39696, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-19-2009 
 
Starting lender yield: 10.94% Starting borrower rate/APR: 11.94% / 14.07% Starting monthly payment: $331.86
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $329.28
 
Auction yield range: 4.29% - 10.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1987 Debt/Income ratio: 32%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:33y 8m
Amount delinquent: $0 Revolving credit balance: $6,996 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: reasonable-income1 Borrower's state: Kentucky 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 on other things
Purpose of loan:
This loan will be used to?help pay off?some of the debts i have & to have for personnel reasons?

My financial situation:
I am a good candidate for this loan because? I have excellent credit...so please help me with this.
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)
penny-surgeon$25.00$25.0011/16/2009 4:24:58 PM
desertoasis$25.00$25.0011/16/2009 4:28:55 PM
booksleuth$50.00$50.0011/16/2009 4:29:21 PM
benevolent-reward$25.00$25.0011/16/2009 4:28:11 PM
hard-working-loot$25.00$25.0011/16/2009 4:29:03 PM
DonaldColorado$25.00$25.0011/16/2009 4:29:38 PM
five-star-note$25.00$25.0011/16/2009 4:33:39 PM
wise-spirited-nickel$25.00$25.0011/16/2009 4:29:50 PM
roto$25.00$25.0011/16/2009 4:33:47 PM
AF-Chief$35.00$35.0011/16/2009 4:29:56 PM
cash-boots$25.00$25.0011/16/2009 4:33:54 PM
miked8303$25.00$25.0011/16/2009 4:34:39 PM
sidney102$25.00$25.0011/16/2009 4:33:22 PM
repayment-chef$25.00$25.0011/16/2009 4:35:36 PM
wrighco$25.00$25.0011/16/2009 4:34:05 PM
lucrative-worth$25.00$25.0011/16/2009 4:34:18 PM
TakeCare$100.00$100.0011/16/2009 4:34:31 PM
jd006006$50.00$50.0011/16/2009 4:35:15 PM
MoneyU4IA$40.00$40.0011/16/2009 4:35:24 PM
GOPHERBOY$65.00$65.0011/16/2009 4:35:44 PM
Goodlender42$25.00$25.0011/16/2009 4:35:51 PM
Cai8899$75.00$75.0011/16/2009 4:36:23 PM
lloyd_s$25.00$25.0011/16/2009 4:36:37 PM
lend_to_you$50.00$50.0011/16/2009 4:38:41 PM
Diamond_Jim$25.00$25.0011/16/2009 4:37:04 PM
mikrolown$25.00$25.0011/16/2009 4:41:13 PM
leodaguy$25.00$25.0011/16/2009 4:38:51 PM
E_G$30.00$30.0011/16/2009 4:39:29 PM
rmachi$25.00$25.0011/16/2009 4:41:55 PM
justice-dna$25.00$25.0011/16/2009 4:42:03 PM
payout-achievement$40.00$40.0011/16/2009 4:42:08 PM
Artist_Blue$25.00$25.0011/16/2009 4:40:25 PM
SNH$50.00$50.0011/16/2009 4:42:50 PM
brother_tam$50.00$50.0011/16/2009 4:40:43 PM
Lightlife$50.00$50.0011/16/2009 4:41:49 PM
xstreamin$25.00$25.0011/16/2009 4:44:18 PM
CarDealer3070$25.00$25.0011/16/2009 4:42:18 PM
wise-extraordinary-loot$30.00$30.0011/16/2009 4:42:22 PM
Havana21$50.00$50.0011/16/2009 4:42:30 PM
wiltonbound$25.00$25.0011/16/2009 4:45:06 PM
agwosdof$50.00$50.0011/16/2009 4:45:11 PM
financial-frenzy$50.00$50.0011/16/2009 4:45:19 PM
Weaverville$25.00$25.0011/16/2009 4:31:32 PM
ThomasCrown$30.00$30.0011/16/2009 4:44:28 PM
kchen486$25.00$25.0011/16/2009 4:34:14 PM
economy-balance$25.00$25.0011/16/2009 4:49:03 PM
syounker$25.00$25.0011/16/2009 4:35:31 PM
Banker7371$25.00$25.0011/16/2009 4:36:02 PM
enthusiastic-balance5$100.00$100.0011/16/2009 4:50:31 PM
payout-point$100.00$100.0011/16/2009 4:50:35 PM
888168$50.00$50.0011/16/2009 4:50:48 PM
ScottW$25.00$25.0011/16/2009 4:47:57 PM
harperpotok$100.00$100.0011/16/2009 4:50:51 PM
dignified-finance$25.00$25.0011/16/2009 4:48:09 PM
granitepk$25.00$25.0011/16/2009 4:36:51 PM
ryelk$25.00$25.0011/16/2009 4:51:33 PM
social-gatherer7$25.00$25.0011/16/2009 4:37:13 PM
VBAces$50.00$50.0011/16/2009 4:50:27 PM
Zarf$50.00$50.0011/16/2009 4:53:45 PM
income-rocker2$44.01$44.0111/16/2009 4:40:11 PM
biobulator$25.00$25.0011/16/2009 4:40:32 PM
Interstate_Rate$500.00$500.0011/16/2009 4:40:35 PM
efficient-bid2$25.00$25.0011/16/2009 4:53:18 PM
ekn_enterprises$25.00$25.0011/16/2009 4:53:23 PM
wise-cash-keeper$25.00$25.0011/16/2009 4:55:55 PM
magical-greenback$55.00$55.0011/16/2009 4:56:12 PM
power-flow6$25.00$25.0011/16/2009 4:41:30 PM
Mr_Marcus$50.00$50.0011/16/2009 4:56:26 PM
steady-gain5$25.00$25.0011/16/2009 4:54:33 PM
BuffetRocks$50.00$50.0011/16/2009 4:55:04 PM
anton$50.00$50.0011/16/2009 4:57:07 PM
kulender$25.00$25.0011/16/2009 4:42:26 PM
Speculator$25.00$25.0011/16/2009 4:57:12 PM
gracej$25.00$25.0011/16/2009 4:42:34 PM
czar3$30.00$30.0011/16/2009 4:42:39 PM
trade-doughnut5$25.00$25.0011/16/2009 4:58:24 PM
jeg3k$25.00$25.0011/16/2009 4:43:56 PM
scoobiedoo$25.00$25.0011/16/2009 4:56:53 PM
moola-rose8$25.00$25.0011/16/2009 4:57:23 PM
Dutchhunter$25.00$25.0011/16/2009 4:44:33 PM
exact-justice$25.00$25.0011/16/2009 4:44:50 PM
KVEER$25.00$25.0011/16/2009 5:00:06 PM
DadWarbucks$25.00$25.0011/16/2009 4:58:52 PM
laudable-balance$25.00$25.0011/16/2009 4:59:19 PM
ladyonthebay$25.00$25.0011/16/2009 4:59:36 PM
BlindProphet$25.00$25.0011/16/2009 4:46:30 PM
lodcomm$25.00$25.0011/16/2009 5:00:10 PM
pragmatic-camaraderi$25.00$25.0011/16/2009 5:02:10 PM
jgalt$25.00$25.0011/16/2009 5:02:35 PM
The_Donald$25.00$25.0011/16/2009 5:00:55 PM
crenen139$50.00$50.0011/16/2009 5:01:02 PM
GElender$50.00$50.0011/16/2009 4:48:16 PM
a275ranger$25.00$25.0011/16/2009 5:03:40 PM
bonus-patriot$25.00$25.0011/16/2009 4:48:19 PM
utukxul$25.00$25.0011/16/2009 5:04:12 PM
mpactlender$25.00$25.0011/16/2009 5:02:04 PM
SkepticalBen$25.00$25.0011/16/2009 4:49:17 PM
jla720$25.00$25.0011/16/2009 5:05:22 PM
wwwUniversal$25.00$25.0011/16/2009 5:02:55 PM
JohnW12$25.00$25.0011/16/2009 5:06:04 PM
orderly-loot$25.00$25.0011/16/2009 5:06:19 PM
silver-armada$100.00$100.0011/16/2009 4:54:40 PM
AhmedAMoussa$50.00$50.0011/16/2009 4:55:51 PM
djh47a$30.00$30.0011/16/2009 4:56:17 PM
People-for-people$50.00$50.0011/16/2009 5:26:10 PM
HAVEANICEDAY$25.00$25.0011/16/2009 5:26:37 PM
loan-warrior$25.00$25.0011/16/2009 5:27:39 PM
don8ter$25.00$25.0011/16/2009 4:57:51 PM
profitable-durability6$25.00$25.0011/16/2009 4:58:20 PM
Klearwater_Pools$25.00$25.0011/16/2009 4:58:41 PM
highcountry1$25.00$25.0011/16/2009 6:18:32 PM
djindepth$50.00$50.0011/16/2009 5:00:17 PM
bdloans$100.00$100.0011/16/2009 5:27:49 PM
ytjameslee$50.00$50.0011/16/2009 5:28:04 PM
rvtbike$50.00$50.0011/16/2009 5:00:45 PM
allieoomp$25.00$25.0011/16/2009 5:01:44 PM
kochan123$25.00$25.0011/16/2009 7:48:38 PM
Tahoeguy$50.00$50.0011/16/2009 7:55:30 PM
create42xn$25.00$25.0011/16/2009 6:33:44 PM
Syzygy$25.00$25.0011/16/2009 5:04:38 PM
Rogesparkguy$25.00$25.0011/16/2009 5:05:04 PM
rakstar$50.00$50.0011/16/2009 9:00:12 PM
best-decisive-peace$25.00$25.0011/16/2009 5:05:51 PM
fair-funds$25.00$25.0011/16/2009 5:06:22 PM
PatRichi$25.00$25.0011/16/2009 10:43:30 PM
Steveoo1$25.00$25.0011/16/2009 5:07:08 PM
littlemonkey$25.00$25.0011/17/2009 12:18:58 AM
Kelor99$25.00$25.0011/16/2009 5:23:13 PM
credit-investor5$50.00$50.0011/17/2009 4:28:38 AM
alex189a$25.00$25.0011/16/2009 5:43:29 PM
creative-gold$25.00$25.0011/16/2009 6:43:39 PM
souperrich$25.00$25.0011/16/2009 6:43:41 PM
blue-pragmatic-truth$25.00$25.0011/16/2009 7:18:34 PM
TrustPlus$35.63$35.6311/16/2009 8:38:27 PM
Dmatthewsftf$27.00$27.0011/16/2009 9:03:30 PM
trustu$25.00$25.0011/16/2009 10:03:30 PM
Lilred7879$40.72$40.7211/17/2009 6:08:34 AM
orbiter614$50.00$50.0011/17/2009 4:51:22 PM
outofoffice$50.00$50.0011/17/2009 8:55:29 PM
amor1962$25.00$25.0011/18/2009 8:24:52 AM
ujiba$25.00$25.0011/18/2009 11:15:44 AM
Moneypenny6$25.00$25.0011/18/2009 4:26:45 PM
skuba$25.00$25.0011/16/2009 4:29:32 PM
cheapskate$50.00$50.0011/16/2009 4:28:27 PM
fortytwo$100.00$100.0011/16/2009 4:28:38 PM
zoomdrm57$50.00$50.0011/16/2009 4:35:08 PM
iolaire$25.00$25.0011/16/2009 4:36:44 PM
CASHGIRL$25.00$25.0011/16/2009 4:36:54 PM
antlr$25.00$25.0011/16/2009 4:34:56 PM
the_winning_ticket$35.00$35.0011/16/2009 4:39:01 PM
newbietony$25.00$25.0011/16/2009 4:39:09 PM
Boca$25.00$25.0011/16/2009 4:41:34 PM
sharkm$25.00$25.0011/16/2009 4:39:15 PM
tremendous-payment$25.00$25.0011/16/2009 4:40:02 PM
personal-lender$25.00$25.0011/16/2009 4:42:44 PM
museic1$50.00$50.0011/16/2009 4:43:00 PM
bonus-buddy2$35.00$35.0011/16/2009 4:43:07 PM
RetiredATC$25.00$25.0011/16/2009 4:43:30 PM
bchen78875$25.00$25.0011/16/2009 4:43:40 PM
chicco$80.00$80.0011/16/2009 4:43:53 PM
Frenchynh$25.00$25.0011/16/2009 4:41:41 PM
value-pole$25.00$25.0011/16/2009 4:41:45 PM
socialbanker$25.00$25.0011/16/2009 4:44:01 PM
credit-kahuna$100.00$100.0011/16/2009 4:41:58 PM
benefit-squirrel$30.00$30.0011/16/2009 4:44:55 PM
andyb9$25.00$25.0011/16/2009 4:44:59 PM
crazycool$35.00$35.0011/16/2009 4:29:15 PM
yield-lion$25.00$25.0011/16/2009 4:43:18 PM
hitsman$50.00$50.0011/16/2009 4:45:29 PM
swoosh$25.00$25.0011/16/2009 4:43:25 PM
WalnutCreekguy$33.00$33.0011/16/2009 4:43:45 PM
youqianderen$50.00$50.0011/16/2009 4:44:05 PM
mikeandcat$50.00$50.0011/16/2009 4:31:55 PM
trident9$50.00$50.0011/16/2009 4:46:52 PM
greenbackologist$25.00$25.0011/16/2009 4:47:16 PM
lagnisiruk$25.00$25.0011/16/2009 4:45:24 PM
slartibardfast$35.00$35.0011/16/2009 4:45:41 PM
kanakakm$50.00$50.0011/16/2009 4:45:50 PM
emo13$50.00$50.0011/16/2009 4:34:24 PM
gizzywump$25.00$25.0011/16/2009 4:34:49 PM
dionysus03$25.00$25.0011/16/2009 4:46:47 PM
first-wampum-trapper$25.00$25.0011/16/2009 4:35:17 PM
3am-preacher$25.00$25.0011/16/2009 4:49:21 PM
reflective-rupee$25.00$25.0011/16/2009 4:49:37 PM
neighborly-hope6$100.00$100.0011/16/2009 4:46:59 PM
JGB$25.00$25.0011/16/2009 4:50:10 PM
shrewd-deal$25.00$25.0011/16/2009 4:47:21 PM
JohnGalt94$25.00$25.0011/16/2009 4:48:42 PM
five-star-justice$36.00$36.0011/16/2009 4:48:45 PM
Binan$25.00$25.0011/16/2009 4:48:52 PM
lendme2$50.00$50.0011/16/2009 4:49:07 PM
tallmon$25.00$25.0011/16/2009 4:38:36 PM
the-money-gargantuan$25.00$25.0011/16/2009 4:54:23 PM
burgeoning-silver$25.00$25.0011/16/2009 4:39:43 PM
transaction-axis$25.00$25.0011/16/2009 4:39:57 PM
tolstoy00$25.00$25.0011/16/2009 4:55:01 PM
evnagelist$50.00$50.0011/16/2009 4:53:32 PM
mmqc$25.00$25.0011/16/2009 4:41:06 PM
Heatguy$50.00$50.0011/16/2009 4:41:18 PM
charming-point$50.00$50.0011/16/2009 4:41:23 PM
bradny$25.00$25.0011/16/2009 4:53:56 PM
currency-cigar4$25.00$25.0011/16/2009 4:41:37 PM
LEWK25$25.00$25.0011/16/2009 4:41:52 PM
EnigmaNYC-29$25.00$25.0011/16/2009 4:42:13 PM
asiaratt$50.00$50.0011/16/2009 4:55:12 PM
rolandweary$40.00$40.0011/16/2009 4:42:55 PM
Clambake$50.00$50.0011/16/2009 4:43:14 PM
chief_wo$25.00$25.0011/16/2009 4:58:10 PM
techvet$25.00$25.0011/16/2009 4:43:49 PM
poeman$25.00$25.0011/16/2009 4:44:10 PM
Dunndeal4u$25.00$25.0011/16/2009 4:44:14 PM
VentureExplorer$25.00$25.0011/16/2009 4:44:39 PM
wayman$50.00$50.0011/16/2009 4:44:45 PM
LAKESPRING$25.00$25.0011/16/2009 4:59:54 PM
gold-disk$50.00$50.0011/16/2009 4:45:15 PM
money2k$25.00$25.0011/16/2009 4:45:34 PM
gethsemane4$25.00$25.0011/16/2009 5:00:38 PM
Attract$25.00$25.0011/16/2009 4:45:44 PM
a-responsible-return$25.00$25.0011/16/2009 4:45:57 PM
ljay$25.00$25.0011/16/2009 4:59:23 PM
integrity-spilunker$25.00$25.0011/16/2009 5:01:26 PM
amint17$25.00$25.0011/16/2009 4:59:40 PM
burrito6$25.00$25.0011/16/2009 4:59:51 PM
Walkingcowboy$25.00$25.0011/16/2009 4:46:41 PM
orange-courageous-dedication$40.00$40.0011/16/2009 5:01:50 PM
jack4875$25.00$25.0011/16/2009 5:00:30 PM
misterhobbs$25.00$25.0011/16/2009 5:02:49 PM
thedoctor$25.00$25.0011/16/2009 4:47:27 PM
gnar$25.00$25.0011/16/2009 5:00:57 PM
asset-prescription$25.00$25.0011/16/2009 5:03:15 PM
unk1911$25.00$25.0011/16/2009 5:03:21 PM
steves73$25.00$25.0011/16/2009 5:01:40 PM
sensible-trade$25.00$25.0011/16/2009 5:04:02 PM
Macinvest$25.00$25.0011/16/2009 5:01:58 PM
eighttone$25.00$25.0011/16/2009 5:06:44 PM
truth-prospector$25.00$25.0011/16/2009 5:04:58 PM
melodious-fairness$25.00$25.0011/16/2009 5:05:27 PM
asalzma$25.00$25.0011/16/2009 5:06:40 PM
johannesfactotum$25.00$25.0011/16/2009 4:53:52 PM
hyetech$35.00$35.0011/16/2009 4:54:14 PM
digitalrinaldo$25.00$25.0011/16/2009 4:55:07 PM
copperfield$25.00$25.0011/16/2009 4:55:48 PM
money-explorer3$25.00$25.0011/16/2009 4:56:32 PM
the-profit-oracle$25.00$25.0011/16/2009 5:27:45 PM
wampum-chorus3$25.00$25.0011/16/2009 5:22:20 PM
mamayama$25.00$25.0011/16/2009 4:59:01 PM
treasure-bliss4$50.00$50.0011/16/2009 6:05:48 PM
vkorichkov$30.00$30.0011/16/2009 4:59:08 PM
felipe65$25.00$25.0011/16/2009 6:15:49 PM
aspen5$25.00$25.0011/16/2009 4:59:17 PM
BankOfFrankFairness$50.00$50.0011/16/2009 4:59:47 PM
vcbogan$74.37$74.3711/16/2009 5:26:52 PM
credit-coach118$26.26$26.2611/16/2009 5:27:32 PM
thestartuplender$35.00$35.0011/16/2009 5:00:51 PM
Palacios$50.00$50.0011/16/2009 5:01:04 PM
Kansas$25.00$25.0011/16/2009 5:01:11 PM
revenue-sniffer$25.00$25.0011/16/2009 5:01:20 PM
transparency-giant$25.00$25.0011/16/2009 7:14:06 PM
SkiFastBadly$25.00$25.0011/16/2009 5:03:17 PM
TheGrayFox$25.00$25.0011/16/2009 5:03:36 PM
bonanza1973$25.00$25.0011/16/2009 6:43:38 PM
amit_gu$50.00$50.0011/16/2009 5:04:17 PM
direct-platinum8$25.00$25.0011/16/2009 7:08:44 PM
honorable-yield$75.00$75.0011/16/2009 5:05:41 PM
Buffer10$100.00$100.0011/16/2009 5:05:44 PM
supreme-hope$25.00$25.0011/16/2009 5:06:38 PM
angelinvestor01$25.00$25.0011/16/2009 8:10:49 PM
shiny-revenue$25.00$25.0011/16/2009 8:13:29 PM
bitbucket$50.00$50.0011/16/2009 8:13:31 PM
fun2invest$25.00$25.0011/16/2009 5:07:32 PM
speyer$25.00$25.0011/16/2009 10:44:03 PM
neenerman$25.00$25.0011/16/2009 5:22:25 PM
kenji4861$41.76$41.7611/16/2009 5:27:50 PM
AlwaysA-Chief$25.00$15.5011/17/2009 6:38:58 AM
witty-principal$25.00$25.0011/16/2009 6:43:42 PM
Hogpilot$25.00$25.0011/16/2009 8:08:49 PM
Patrician$35.75$35.7511/17/2009 8:11:09 PM
Moneypenny6$25.00$25.0011/17/2009 6:03:27 PM
liederhaus$50.00$50.0011/18/2009 4:45:24 PM
buddy486$25.00$25.0011/18/2009 8:26:15 PM
280 bids
 
Borrower Payment Dependent Notes Series 433551
This series of Notes was issued and sold upon the funding of the borrower loan #39699, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $303.98
 
Auction yield range: 11.29% - 34.00% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
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: Oct-1997 Debt/Income ratio: 22%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 14 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $6,239 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: transparency-conga 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
Pay CC/Loans High Interest
Purpose of loan:
This loan will be used to?? Pay off My high interest Credit Cards and Loans.?I would Like to have 1 payment a month?and combine all the?high interest?rates to 1 interest rate.???

My financial situation:
I am a good candidate for this loan because????I am responsible when it comes to paying my bills.??I have?actually?worked at?my present?job for 4 years then stayed home with my?4 children?for 2 years.? They are all in school so I?decided to come back to work.? I am also a?Mary Kay beauty consultant.? I have been a consultant for a year and do make?extra money with that on the side.??This?loan will help me with consolidate those high interest rate loans and Credit cards.??

Monthly net income: $?1600.00?????

Monthly expenses: $ 1580.00
??Housing: $?300.00??????
??Insurance: $?50.00??
??Car expenses: $ 0????
??Utilities: $?100.00????
??Phone, cable, internet: $ 0
??Food, entertainment: $?400.00??Clothing, household expenses $ 100.00????
??Credit cards and other loans: $?470.00
??Other expenses: $ 160 (Day Care)
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 your main occupation and provide take home pay amount from that job. Thanks. - exciting-fairness
A: I work at a doctors office for 5 doctors. I am a Insurance Billing Specialist. My take home pay is around $600 with no overtime per pay period. I make $10 an hour. (Nov-17-2009)
Q: I am really interested in bidding ($500) on your loan but looking at your income compared to your expenses it looks like you do not have enough money every month.How can you guarantee you will repay us this loan?Please respond publicly. - newequity
A: The Credit cards and Loans I want to consolidate I pay $120.00, $150.00, $100.00 and $100.00 which equeals the $470.00 I pay a month. If I get this loan I can consolidate all of those payments into 1 payment for around the 350.00 a month. That saves me $120.00 a month. I also make $200 or More a month just working my Mary Kay Business. I didn't include that in my monthly income because I do not receive a paycheck and It is my first year so I have no tax information I can provide. (Nov-18-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reward-bull$25.00$25.0011/16/2009 4:25:52 PM
vigman777$25.00$25.0011/16/2009 4:26:50 PM
SPB$25.00$25.0011/16/2009 4:27:57 PM
income-rocker2$25.00$25.0011/16/2009 4:26:33 PM
ChuckieG$50.00$50.0011/16/2009 4:26:53 PM
five-star-note$25.00$25.0011/16/2009 4:27:11 PM
Vess$25.00$25.0011/16/2009 4:27:33 PM
dime-fighter$25.00$25.0011/16/2009 4:30:22 PM
reflective-rupee$25.00$25.0011/16/2009 4:32:13 PM
YogaDude34$25.00$25.0011/16/2009 4:32:47 PM
FasTruk$25.00$25.0011/16/2009 4:36:27 PM
slartibardfast$25.00$25.0011/16/2009 4:37:30 PM
miked8303$25.00$25.0011/16/2009 4:38:13 PM
gizzywump$25.00$25.0011/16/2009 4:38:21 PM
heroic-benefit$25.00$25.0011/16/2009 4:37:23 PM
treasure-transporter$25.00$25.0011/16/2009 4:37:42 PM
bonus-patriot$25.00$25.0011/16/2009 4:40:14 PM
rmachi$25.00$25.0011/16/2009 4:38:25 PM
truth-eclair$25.00$25.0011/16/2009 4:41:00 PM
Banker7371$25.00$25.0011/16/2009 4:49:49 PM
leverage-trident$25.00$25.0011/16/2009 4:47:37 PM
888168$25.00$25.0011/16/2009 4:50:42 PM
bdloans$100.00$100.0011/16/2009 4:36:47 PM
wrighco$25.00$25.0011/16/2009 4:51:09 PM
CASHGIRL$25.00$25.0011/16/2009 4:36:55 PM
ben10jen$25.00$25.0011/16/2009 4:51:45 PM
dinero-mason$50.00$50.0011/16/2009 4:37:21 PM
JGB$25.00$25.0011/16/2009 4:52:05 PM
greenwell$25.00$25.0011/16/2009 4:52:29 PM
justice-dna$25.00$25.0011/16/2009 4:52:38 PM
Toastsr$25.00$25.0011/16/2009 4:51:05 PM
jhouman$25.00$25.0011/16/2009 4:51:15 PM
the-money-gargantuan$25.00$25.0011/16/2009 4:54:18 PM
GElender$25.00$25.0011/16/2009 4:51:24 PM
Ananya$25.00$25.0011/16/2009 4:39:26 PM
fcb202$25.00$25.0011/16/2009 4:51:56 PM
MissionMicroFinance$25.00$25.0011/16/2009 4:52:44 PM
Shepherd7$25.00$25.0011/16/2009 4:52:46 PM
personal-lender$25.00$25.0011/16/2009 4:52:57 PM
CROBRUN$25.00$25.0011/16/2009 4:40:47 PM
penny-surgeon$25.00$25.0011/16/2009 4:53:38 PM
murlirao2002$25.00$25.0011/16/2009 4:56:19 PM
reflective-rupee$25.00$25.0011/16/2009 4:55:40 PM
wise-cash-keeper$25.00$25.0011/16/2009 4:55:53 PM
transparency-tomahawk$25.00$25.0011/16/2009 4:56:41 PM
Jonb6919$25.00$25.0011/16/2009 4:58:47 PM
DosPassos$25.00$25.0011/16/2009 4:57:40 PM
Palacios$50.00$50.0011/16/2009 4:57:58 PM
chief_wo$25.00$25.0011/16/2009 4:58:07 PM
brmar$25.00$25.0011/16/2009 4:58:33 PM
NoCal$25.00$25.0011/16/2009 4:58:39 PM
626457$25.00$25.0011/16/2009 5:00:26 PM
ryan23$25.00$25.0011/16/2009 5:02:41 PM
crenen139$25.00$25.0011/16/2009 5:01:00 PM
integrity-spilunker$25.00$25.0011/16/2009 5:01:28 PM
loanfairy$25.00$25.0011/16/2009 5:01:32 PM
efficient-bid2$25.00$25.0011/16/2009 4:49:12 PM
hard-working-loot$25.00$25.0011/16/2009 4:49:59 PM
brother_tam$50.00$50.0011/16/2009 4:50:04 PM
a275ranger$25.00$25.0011/16/2009 5:03:42 PM
burgeoning-silver$25.00$25.0011/16/2009 4:50:14 PM
wise-extraordinary-loot$25.00$25.0011/16/2009 4:50:58 PM
delivery$25.00$25.0011/16/2009 4:51:38 PM
louisianalender$100.00$100.0011/16/2009 4:51:43 PM
equitable-credit0$25.00$25.0011/16/2009 4:51:48 PM
special-peso$50.00$50.0011/16/2009 4:52:02 PM
SNH$50.00$50.0011/16/2009 4:52:50 PM
People-for-people$50.00$50.0011/16/2009 4:53:26 PM
supreme-hope$25.00$25.0011/16/2009 4:58:05 PM
keynaples$50.00$50.0011/16/2009 4:59:34 PM
sakha$25.00$25.0011/16/2009 5:03:30 PM
Dubbs360$50.00$50.0011/16/2009 5:04:45 PM
unk1911$25.00$25.0011/17/2009 5:04:38 PM
mercuriant$25.00$25.0011/19/2009 1:34:43 PM
ore-accord$25.00$25.0011/19/2009 2:57:28 PM
AtlantistoXanadu$100.00$100.0011/20/2009 3:50:47 PM
FinanceEngine$25.00$25.0011/20/2009 3:07:43 PM
SFBank$200.00$200.0011/20/2009 6:55:57 PM
leverage-monger$200.00$200.0011/21/2009 10:31:20 AM
sharp-credit$983.32$983.3211/21/2009 3:18:54 PM
Doug1043$27.27$27.2711/23/2009 9:48:18 AM
UCLA4life$25.00$25.0011/23/2009 11:12:28 AM
Peterman$50.00$50.0011/22/2009 8:42:12 AM
adventurous-capital$50.00$50.0011/23/2009 1:10:25 PM
Kyileo$50.00$50.0011/23/2009 1:40:20 PM
CatbirdBanking$25.00$25.0011/22/2009 12:41:47 PM
newbietony$25.00$25.0011/22/2009 1:29:56 PM
exciting-fairness$200.00$200.0011/23/2009 3:11:10 PM
Feyenoord$25.00$25.0011/22/2009 5:21:34 PM
TakeCare$25.00$25.0011/23/2009 3:53:44 PM
umfan123$25.00$25.0011/23/2009 6:51:21 AM
invincible-gain$110.00$110.0011/23/2009 8:25:52 AM
leverage-monger$200.00$200.0011/23/2009 9:26:44 AM
PotBellyPete$75.00$75.0011/23/2009 11:40:26 AM
unequaled-credit7$25.00$25.0011/16/2009 4:26:51 PM
wildguy$25.00$25.0011/16/2009 4:27:52 PM
zone8$100.00$100.0011/16/2009 4:28:46 PM
desertoasis$50.00$50.0011/16/2009 4:28:52 PM
djh47a$25.00$25.0011/16/2009 4:33:00 PM
charming-point$100.00$100.0011/16/2009 4:37:27 PM
tallmon$25.00$25.0011/16/2009 4:37:34 PM
dedicated-diversification5$65.00$65.0011/16/2009 4:37:39 PM
CarDealer3070$30.00$30.0011/16/2009 4:38:09 PM
return-elm$25.00$25.0011/16/2009 4:38:27 PM
Diamond_Jim$25.00$25.0011/16/2009 4:36:59 PM
social-gatherer7$25.00$25.0011/16/2009 4:37:08 PM
spitzbergen$25.00$25.0011/16/2009 4:37:58 PM
affluence-tycoon$25.00$25.0011/16/2009 4:38:31 PM
jazz619$25.00$25.0011/16/2009 4:40:53 PM
sloan$25.00$25.0011/16/2009 4:40:56 PM
fortytwo$50.00$50.0011/16/2009 4:32:31 PM
lendme2$25.00$25.0011/16/2009 4:49:10 PM
Gibbyland$50.00$50.0011/16/2009 4:49:55 PM
Artist_Blue$25.00$25.0011/16/2009 4:50:07 PM
get30inc$25.00$25.0011/16/2009 4:51:01 PM
mtquan$25.00$25.0011/16/2009 4:51:11 PM
secobarbital$25.00$25.0011/16/2009 4:51:30 PM
lloyd_s$25.00$25.0011/16/2009 4:37:14 PM
Poiny$25.00$25.0011/16/2009 4:51:53 PM
treasure-bliss$50.00$50.0011/16/2009 4:37:48 PM
Turtlebear44$25.00$25.0011/16/2009 4:37:51 PM
PayItForward09$25.00$25.0011/16/2009 4:52:13 PM
rob1971$25.00$25.0011/16/2009 4:49:28 PM
Havana21$50.00$50.0011/16/2009 4:37:55 PM
Cash_Angel$25.00$25.0011/16/2009 4:52:20 PM
AF-Chief$25.00$25.0011/16/2009 4:49:40 PM
honorable-yield$35.00$35.0011/16/2009 4:38:05 PM
WalnutCreekguy$25.00$25.0011/16/2009 4:52:31 PM
Matt555555$25.00$25.0011/16/2009 4:54:10 PM
VBAces$25.00$25.0011/16/2009 4:51:20 PM
anton$25.00$25.0011/16/2009 4:54:45 PM
cognizant-wealth$25.00$25.0011/16/2009 4:54:53 PM
pietro_torna_indietro$25.00$25.0011/16/2009 4:52:23 PM
GMPK_TLAS$25.00$25.0011/16/2009 4:52:35 PM
beezling$52.00$52.0011/16/2009 4:53:06 PM
loan-master996$50.00$50.0011/16/2009 4:53:15 PM
tsquared_030$25.00$25.0011/16/2009 4:55:57 PM
Speculator$25.00$25.0011/16/2009 4:57:10 PM
MAYBROOK$25.00$25.0011/16/2009 5:00:23 PM
sensible-trade$25.00$25.0011/16/2009 5:03:59 PM
orange-courageous-dedication$30.00$30.0011/16/2009 5:01:56 PM
dime-reaction$25.00$25.0011/16/2009 5:04:22 PM
Dreams4Cash$25.00$1.4111/16/2009 5:05:19 PM
leodaguy$25.00$25.0011/16/2009 4:49:42 PM
nowits10$25.00$25.0011/16/2009 4:49:46 PM
WilliamLeeSims$25.00$25.0011/16/2009 4:50:18 PM
deal-pioneer1$25.00$25.0011/16/2009 4:51:50 PM
value-pole$25.00$25.0011/16/2009 4:51:59 PM
fareast_man$25.00$25.0011/16/2009 4:52:10 PM
Orringo$25.00$25.0011/16/2009 4:53:02 PM
reflective-rupee$50.00$50.0011/16/2009 4:56:05 PM
DadWarbucks$25.00$25.0011/16/2009 4:57:34 PM
halothane_logic$25.00$25.0011/16/2009 4:57:45 PM
EnigmaNYC-29$25.00$25.0011/16/2009 4:59:14 PM
MylesNH$25.00$25.0011/16/2009 5:00:00 PM
Vreet$25.00$25.0011/16/2009 5:00:47 PM
steves73$25.00$25.0011/16/2009 5:01:35 PM
vegaslender88$25.00$25.0011/16/2009 5:03:46 PM
wwwUniversal$25.00$25.0011/19/2009 10:55:20 AM
Rostov$200.00$200.0011/19/2009 9:16:16 AM
jdw_aavu$50.00$50.0011/19/2009 4:18:29 PM
impala6464$75.00$75.0011/19/2009 7:21:14 PM
highyield$50.00$50.0011/20/2009 9:43:48 AM
p2p-gala$50.00$50.0011/20/2009 7:20:14 PM
investment-cluster$25.00$25.0011/22/2009 2:17:26 AM
forthright-dedication$25.00$25.0011/22/2009 8:36:53 PM
Ambassador$25.00$25.0011/22/2009 5:56:53 PM
innovator2$50.00$50.0011/22/2009 6:19:30 PM
safe-money5$25.00$25.0011/23/2009 5:50:47 AM
privatebankerva$25.00$25.0011/23/2009 8:26:12 AM
authoritative-social$25.00$25.0011/22/2009 3:38:21 AM
interest-friendship$50.00$50.0011/23/2009 10:37:43 AM
nalaari$50.00$50.0011/23/2009 3:45:52 PM
just-trade0$36.00$36.0011/23/2009 3:52:52 PM
division177$25.00$25.0011/23/2009 4:19:16 PM
Engineer44$30.00$30.0011/23/2009 4:24:38 PM
176 bids
 
Borrower Payment Dependent Notes Series 433647
This series of Notes was issued and sold upon the funding of the borrower loan #39742, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Nov-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 16.09% Starting borrower rate/APR: 17.09% / 19.29% Starting monthly payment: $178.49
Final lender yield: 14.05% Final borrower rate/APR: 15.05% / 17.22% Final monthly payment: $173.45
 
Auction yield range: 6.29% - 16.09% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Jun-2001 Debt/Income ratio: 11%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:4y 6m
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: 22 Homeownership: No  
Inquiries last 6m: 0    
Screen name: river355 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Down Payment
Purpose of loan:
I have had to put a?new roof on my house.??This of course was unexpected and this will take care of the bill and allow me some time to pay this back.???

My financial situation:
I am a good candidate for this loan because my debt to income is low.? I am not a fan of borrowing money.? I am a higher risk because of some bad choices I made in my college days.? All of my debt is current and repayment is all on time and this loan will be paid for on time if not early.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Weaverville$25.00$25.0011/16/2009 4:31:31 PM
crazycool$35.00$35.0011/16/2009 4:29:17 PM
AF-Chief$35.00$35.0011/16/2009 4:29:54 PM
mikeandcat$50.00$50.0011/16/2009 4:31:58 PM
iolaire$25.00$25.0011/16/2009 4:36:42 PM
social-gatherer7$25.00$25.0011/16/2009 4:37:12 PM
newbietony$25.00$25.0011/16/2009 4:39:08 PM
Interstate_Rate$500.00$500.0011/16/2009 4:40:34 PM
return-elm$25.00$25.0011/16/2009 4:41:07 PM
Aimvest$25.00$25.0011/16/2009 4:41:26 PM
Boca$25.00$25.0011/16/2009 4:41:32 PM
sharkm$25.00$25.0011/16/2009 4:39:13 PM
tremendous-payment$25.00$25.0011/16/2009 4:40:01 PM
CarDealer3070$25.00$25.0011/16/2009 4:42:20 PM
lloyd_s$25.00$25.0011/16/2009 4:40:16 PM
miked8303$25.00$25.0011/16/2009 4:41:08 PM
Frenchynh$25.00$25.0011/16/2009 4:41:42 PM
fortytwo$100.00$100.0011/16/2009 4:28:35 PM
hard-working-loot$25.00$25.0011/16/2009 4:29:00 PM
wise-spirited-nickel$25.00$25.0011/16/2009 4:29:48 PM
People-for-people$50.00$50.0011/16/2009 4:30:03 PM
cash-boots$25.00$25.0011/16/2009 4:33:52 PM
WilliamLeeSims$25.00$25.0011/16/2009 4:39:53 PM
CASHGIRL$75.00$75.0011/16/2009 4:40:06 PM
Artist_Blue$25.00$25.0011/16/2009 4:40:27 PM
mikrolown$25.00$25.0011/16/2009 4:41:10 PM
Heatguy$50.00$50.0011/16/2009 4:41:17 PM
elegant-bonus$86.00$86.0011/16/2009 4:41:25 PM
currency-cigar4$25.00$25.0011/16/2009 4:41:35 PM
rmachi$25.00$25.0011/16/2009 4:41:56 PM
EnigmaNYC-29$25.00$25.0011/16/2009 4:42:11 PM
bdruss$25.00$25.0011/16/2009 4:47:48 PM
inforapenny$25.00$25.0011/16/2009 5:03:50 PM
jybank$25.00$25.0011/16/2009 5:04:48 PM
minista$25.00$25.0011/16/2009 5:05:55 PM
AGSLending$50.00$50.0011/16/2009 7:17:28 PM
orbiter614$50.00$50.0011/17/2009 1:50:37 PM
ethicalhumanist$25.00$25.0011/18/2009 5:36:10 AM
totoro$25.00$25.0011/19/2009 11:41:29 AM
interstellar$50.00$50.0011/20/2009 9:26:09 AM
FG9YTR$25.00$25.0011/20/2009 12:54:52 PM
bruin558$50.00$50.0011/20/2009 10:55:31 AM
1SteelerFan$25.00$25.0011/20/2009 10:11:49 PM
the-profit-oracle$25.00$25.0011/21/2009 7:28:46 AM
wild_carrot$25.00$25.0011/21/2009 7:09:54 PM
deal-kung-fu$50.00$50.0011/22/2009 6:55:37 AM
flwah$25.00$25.0011/21/2009 10:19:53 AM
ussugm$25.00$25.0011/23/2009 7:40:20 AM
wwwUniversal$25.00$25.0011/23/2009 9:43:41 AM
photon8$25.00$25.0011/22/2009 8:11:30 AM
leverage-monger$200.00$200.0011/23/2009 11:47:13 AM
jodilee31$123.79$123.7911/22/2009 11:25:04 PM
steady-dime$100.00$100.0011/23/2009 6:04:22 AM
Astyanax$25.00$25.0011/23/2009 9:24:34 AM
ryan6853$50.00$50.0011/23/2009 3:50:09 PM
five-star-note$35.00$35.0011/16/2009 4:31:48 PM
roto$25.00$25.0011/16/2009 4:33:46 PM
GOPHERBOY$30.00$30.0011/16/2009 4:33:43 PM
Diamond_Jim$25.00$25.0011/16/2009 4:37:03 PM
lend_to_you$50.00$50.0011/16/2009 4:38:40 PM
nowits10$25.00$25.0011/16/2009 4:39:06 PM
tallmon$25.00$25.0011/16/2009 4:38:35 PM
leodaguy$25.00$25.0011/16/2009 4:38:50 PM
charming-point$50.00$50.0011/16/2009 4:41:22 PM
credit-kahuna$100.00$100.0011/16/2009 4:41:57 PM
burgeoning-silver$25.00$25.0011/16/2009 4:39:40 PM
justice-dna$25.00$25.0011/16/2009 4:42:01 PM
payout-achievement$40.00$40.0011/16/2009 4:42:06 PM
transaction-axis$25.00$25.0011/16/2009 4:39:55 PM
gold-sushi$25.00$25.0011/16/2009 4:40:18 PM
brother_tam$50.00$50.0011/16/2009 4:40:41 PM
LEWK25$25.00$25.0011/16/2009 4:41:51 PM
wise-extraordinary-loot$30.00$21.7211/16/2009 4:42:21 PM
desertoasis$25.00$25.0011/16/2009 4:28:54 PM
booksleuth$50.00$50.0011/16/2009 4:29:19 PM
skuba$25.00$25.0011/16/2009 4:29:34 PM
granitepk$25.00$25.0011/16/2009 4:36:50 PM
E_G$30.00$30.0011/16/2009 4:39:28 PM
biobulator$25.00$25.0011/16/2009 4:40:34 PM
power-flow6$25.00$25.0011/16/2009 4:41:28 PM
value-pole$25.00$25.0011/16/2009 4:41:43 PM
Lightlife$50.00$50.0011/16/2009 4:41:47 PM
EEasyMoney$25.00$25.0011/16/2009 4:57:18 PM
CallMeBen$25.00$25.0011/16/2009 5:03:05 PM
mdreiss$25.00$25.0011/17/2009 5:02:12 PM
cloud8$25.00$25.0011/17/2009 5:02:14 PM
dn0pes$25.00$25.0011/18/2009 9:37:29 AM
mosby$50.00$50.0011/19/2009 1:45:02 AM
currency-agave$25.00$25.0011/18/2009 7:04:47 PM
betheanswer$50.00$50.0011/19/2009 8:18:44 AM
sparkmeister$25.00$25.0011/19/2009 2:21:22 PM
building_community$25.00$25.0011/19/2009 3:11:40 PM
Edgewood$25.00$25.0011/20/2009 8:37:03 AM
PalmTreeIsland$100.00$100.0011/20/2009 12:55:39 PM
Feyenoord$25.00$25.0011/20/2009 12:57:02 PM
lendme2$100.00$100.0011/20/2009 1:14:40 PM
auction-chomper4$25.00$25.0011/20/2009 4:11:47 PM
Nitronian$50.00$50.0011/20/2009 11:38:26 AM
fostaman$25.00$25.0011/20/2009 9:00:05 PM
leverage-monger$200.00$200.0011/21/2009 10:37:55 AM
the-durability-planetarium$50.00$50.0011/21/2009 11:18:27 AM
credit-coach118$35.00$35.0011/22/2009 8:29:09 AM
massuot$25.00$25.0011/22/2009 3:37:46 AM
Syzygy$25.00$25.0011/20/2009 11:21:10 PM
StanTheMan$28.49$28.4911/22/2009 2:53:54 PM
OldManP$25.00$25.0011/22/2009 10:23:30 PM
payout-carnival$25.00$25.0011/23/2009 10:33:10 AM
NorthlandAlchemist$25.00$25.0011/22/2009 3:58:52 AM
leverage-monger$200.00$200.0011/23/2009 9:30:25 AM
aurorafinancial$50.00$50.0011/23/2009 12:11:37 PM
TakeCare$25.00$25.0011/23/2009 3:57:44 PM
division177$25.00$25.0011/23/2009 4:21:23 PM
Memphis-King$50.00$50.0011/23/2009 4:26:39 PM
caseattle$25.00$25.0011/23/2009 4:25:47 PM
114 bids
 
Borrower Payment Dependent Notes Series 433693
This series of Notes was issued and sold upon the funding of the borrower loan #39693, 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-16-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 10.04% Starting borrower rate/APR: 11.04% / 11.39% Starting monthly payment: $327.58
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $325.02
 
Auction yield range: 3.29% - 10.04% 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: May-1992 Debt/Income ratio: 7%
Credit score: 800-819 (Nov-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $9,808 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: coyone 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
Pay off Credit Card and Car Balance
Purpose of loan:
I will be consolidating debt to a lower interest rate from a credit card and the balance owed on my car.

My financial situation:
I am a good candidate for this loan because I work in a field in which there is a strong demand. I have worked very hard to get my credit where it is today.

Thank you for time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is the balance of the two loans and what is the rate you're currently paying? - longisland47m
A: It's a blend. $1, 895 @ 5.36%, 4,176 @ 9.99%, 3,414 @ 13.25%. As I payoff, the rate climbs. Funny how that happens. I could do the balance transfer thing and save a couple of points, but as I am a fan, I would rather consolidate here. - Thank you. (Nov-18-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transparency-giant$50.00$50.0011/16/2009 4:29:46 PM
five-star-note$25.00$25.0011/16/2009 4:34:00 PM
hard-working-loot$25.00$25.0011/16/2009 4:35:02 PM
syounker$25.00$25.0011/16/2009 4:35:29 PM
wrighco$25.00$25.0011/16/2009 4:34:03 PM
jd006006$50.00$50.0011/16/2009 4:35:13 PM
MoneyU4IA$40.00$40.0011/16/2009 4:35:22 PM
Goodlender42$25.00$25.0011/16/2009 4:35:53 PM
lloyd_s$25.00$25.0011/16/2009 4:36:35 PM
the_winning_ticket$35.00$35.0011/16/2009 4:38:59 PM
cordial-bonus$25.00$25.0011/16/2009 4:28:26 PM
Walkingcowboy$25.00$25.0011/16/2009 4:46:39 PM
rmachi$25.00$25.0011/16/2009 4:47:32 PM
iansays1$25.00$25.0011/16/2009 4:47:50 PM
bonus-patriot$25.00$25.0011/16/2009 4:48:17 PM
personal-lender$25.00$25.0011/16/2009 4:46:08 PM
Weaverville$25.00$25.0011/16/2009 4:46:13 PM
miked8303$25.00$25.0011/16/2009 4:34:36 PM
zoomdrm57$50.00$50.0011/16/2009 4:35:06 PM
dionysus03$25.00$25.0011/16/2009 4:46:46 PM
repayment-chef$25.00$25.0011/16/2009 4:35:34 PM
GOPHERBOY$65.00$65.0011/16/2009 4:35:43 PM
Banker7371$25.00$25.0011/16/2009 4:36:03 PM
payout-point$100.00$100.0011/16/2009 4:50:34 PM
SNH$50.00$50.0011/16/2009 4:48:26 PM
cash-boots$30.00$30.0011/16/2009 4:38:32 PM
lend_to_you$50.00$50.0011/16/2009 4:38:44 PM
johannesfactotum$25.00$25.0011/16/2009 4:53:53 PM
burgeoning-silver$25.00$25.0011/16/2009 4:39:47 PM
the-money-gargantuan$25.00$25.0011/16/2009 4:54:22 PM
DadWarbucks$25.00$25.0011/16/2009 4:58:56 PM
mamayama$25.00$25.0011/16/2009 4:59:04 PM
aspen5$25.00$25.0011/16/2009 4:59:16 PM
steves73$25.00$25.0011/16/2009 5:01:41 PM
gracej$25.00$25.0011/16/2009 4:46:38 PM
crenen139$100.00$100.0011/16/2009 5:01:09 PM
GElender$50.00$50.0011/16/2009 4:48:17 PM
a275ranger$25.00$25.0011/16/2009 5:03:43 PM
speyer$25.00$25.0011/16/2009 5:02:37 PM
kenji4861$50.00$50.0011/16/2009 5:02:50 PM
honorable-yield$75.00$75.0011/16/2009 5:05:42 PM
amit_gu$50.00$50.0011/16/2009 5:04:16 PM
TrustPlus$50.00$50.0011/16/2009 5:05:59 PM
Zarf$50.00$50.0011/16/2009 4:53:44 PM
mikeandcat$50.00$50.0011/16/2009 4:56:38 PM
brandilton$25.00$25.0011/16/2009 4:57:21 PM
don8ter$60.00$60.0011/16/2009 4:57:56 PM
Klearwater_Pools$25.00$25.0011/16/2009 4:58:40 PM
loan-warrior$25.00$25.0011/16/2009 4:59:10 PM
scarlet-velvet$25.00$25.0011/16/2009 6:56:32 PM
szetheli$123.00$123.0011/16/2009 7:07:25 PM
allieoomp$25.00$25.0011/16/2009 5:01:43 PM
asset-prescription$25.00$25.0011/16/2009 5:03:14 PM
SoCalRancher$25.00$25.0011/16/2009 5:04:21 PM
truth-prospector$25.00$25.0011/16/2009 5:04:57 PM
wiselady$25.00$25.0011/16/2009 5:05:07 PM
desertoasis$50.00$37.8011/16/2009 5:06:31 PM
jybank$25.00$25.0011/16/2009 9:10:29 PM
neenerman$64.27$64.2711/17/2009 6:04:23 AM
sincere-fund1$50.00$50.0011/17/2009 8:50:18 AM
Pilotaceh$25.00$25.0011/17/2009 10:16:03 AM
SpectrumCapital$25.00$25.0011/17/2009 11:27:46 AM
minista$25.00$25.0011/16/2009 9:10:10 PM
GABC-1$30.00$30.0011/17/2009 1:44:58 PM
FundMaker$25.00$25.0011/17/2009 1:43:02 PM
orbiter614$75.00$75.0011/17/2009 4:22:11 PM
Cherrypicker$50.00$50.0011/17/2009 6:42:31 PM
funds-authority6$25.00$25.0011/17/2009 11:50:05 PM
pietro_torna_indietro$100.00$100.0011/18/2009 8:42:19 AM
funds-authority6$25.00$25.0011/17/2009 11:48:18 PM
principal-laser$100.00$100.0011/18/2009 5:42:09 PM
Patrician$100.00$100.0011/18/2009 5:50:16 PM
vegaslender88$25.00$25.0011/18/2009 7:01:49 PM
authoritative-social$25.00$25.0011/19/2009 4:23:56 AM
dbanwart$25.00$25.0011/19/2009 7:38:14 AM
hotwired$25.00$25.0011/19/2009 10:25:13 AM
rawman$25.00$25.0011/18/2009 8:09:29 PM
bomdel$25.00$25.0011/18/2009 10:15:09 PM
lendme2$100.00$100.0011/19/2009 9:44:26 AM
NorthwestLoan1$35.00$35.0011/20/2009 7:12:00 AM
Finspons$100.00$100.0011/19/2009 3:02:19 PM
building_community$25.00$25.0011/20/2009 9:48:14 AM
rate-hickory$25.00$25.0011/20/2009 8:37:32 AM
credit-coach118$25.00$25.0011/20/2009 9:40:00 AM
Dollars4Rent$25.00$25.0011/20/2009 11:57:51 AM
fostaman$25.00$25.0011/20/2009 8:59:49 PM
fortune888$25.00$25.0011/20/2009 9:12:23 PM
rovo$25.00$25.0011/21/2009 7:48:47 AM
elvisloans$25.00$25.0011/21/2009 7:48:40 AM
flwah$25.00$25.0011/21/2009 10:19:54 AM
leverage-monger$50.00$50.0011/21/2009 10:39:13 AM
blue-relay$25.00$25.0011/21/2009 1:42:19 PM
SCD$25.00$25.0011/20/2009 4:16:36 PM
availableloan$25.00$25.0011/20/2009 5:01:40 PM
jalvin$85.00$85.0011/21/2009 11:57:04 PM
Onlyhappycustomers$25.00$25.0011/21/2009 4:47:22 PM
Share-the-wealth$100.00$100.0011/21/2009 6:56:13 PM
deal-kung-fu$50.00$50.0011/22/2009 6:47:46 AM
Squad51$25.00$25.0011/21/2009 9:45:35 PM
stuy1998$25.00$25.0011/22/2009 8:27:40 AM
Earnest_Money$25.00$25.0011/22/2009 2:11:23 PM
durability-colonel$50.00$50.0011/21/2009 7:11:21 AM
oldman68$25.00$25.0011/22/2009 2:55:42 PM
kind-funds-tonic$25.00$25.0011/22/2009 5:43:20 PM
CheapDolo22$25.00$25.0011/22/2009 7:00:08 PM
Astyanax$25.00$25.0011/23/2009 9:32:53 AM
wwwUniversal$25.00$25.0011/23/2009 9:44:09 AM
stephen_c01$50.00$50.0011/23/2009 9:44:38 AM
ingeborg77$50.00$50.0011/23/2009 9:56:41 AM
spiff666$25.00$25.0011/22/2009 7:22:13 AM
enticing-treasure5$25.00$25.0011/22/2009 9:04:29 AM
leverage-monger$200.00$200.0011/22/2009 10:06:44 AM
Marlin2010$25.00$25.0011/22/2009 10:51:36 AM
webwesen$50.00$50.0011/23/2009 1:19:15 PM
HenryK7$50.00$50.0011/22/2009 4:51:31 PM
TheTimeIsNow$25.00$25.0011/23/2009 3:21:33 PM
knowonder$33.77$33.7711/22/2009 10:32:55 PM
exciting-fairness$200.00$200.0011/23/2009 4:02:28 PM
powerful-velocity$25.00$25.0011/23/2009 9:45:57 AM
wild-orange$100.00$100.0011/23/2009 4:13:34 PM
crw1950$50.00$50.0011/23/2009 2:20:13 PM
nalaari$50.00$50.0011/23/2009 3:25:40 PM
division177$25.00$25.0011/23/2009 4:22:18 PM
friendinmoney$60.73$60.7311/23/2009 4:26:19 PM
caseattle$25.00$25.0011/23/2009 4:26:17 PM
jpblan11$25.00$25.0011/23/2009 4:27:31 PM
gizzywump$25.00$25.0011/16/2009 4:34:48 PM
turbospeed$25.00$25.0011/16/2009 4:36:08 PM
kchen486$25.00$25.0011/16/2009 4:34:11 PM
lucrative-worth$25.00$25.0011/16/2009 4:34:15 PM
Cai8899$75.00$75.0011/16/2009 4:36:25 PM
CASHGIRL$75.00$75.0011/16/2009 4:36:52 PM
leodaguy$25.00$25.0011/16/2009 4:38:54 PM
sharkm$25.00$25.0011/16/2009 4:39:17 PM
DonaldColorado$25.00$25.0011/16/2009 4:29:35 PM
slartibardfast$35.00$35.0011/16/2009 4:45:42 PM
trident9$50.00$50.0011/16/2009 4:46:51 PM
sidney102$25.00$25.0011/16/2009 4:32:20 PM
Attract$25.00$25.0011/16/2009 4:45:43 PM
emo13$50.00$50.0011/16/2009 4:34:22 PM
a-responsible-return$25.00$25.0011/16/2009 4:45:59 PM
TakeCare$100.00$100.0011/16/2009 4:34:30 PM
antlr$25.00$25.0011/16/2009 4:34:55 PM
first-wampum-trapper$25.00$25.0011/16/2009 4:35:16 PM
neighborly-hope6$100.00$100.0011/16/2009 4:46:57 PM
greenbackologist$25.00$25.0011/16/2009 4:47:14 PM
thedoctor$25.00$25.0011/16/2009 4:47:29 PM
five-star-justice$36.00$36.0011/16/2009 4:48:50 PM
888168$50.00$50.0011/16/2009 4:50:49 PM
tallmon$25.00$25.0011/16/2009 4:50:53 PM
Havana21$50.00$50.0011/16/2009 4:54:03 PM
E_G$50.00$50.0011/16/2009 4:39:34 PM
AF-Chief$35.00$35.0011/16/2009 4:55:29 PM
evnagelist$50.00$50.0011/16/2009 4:53:31 PM
Mr_Marcus$50.00$50.0011/16/2009 4:56:25 PM
Speculator$25.00$25.0011/16/2009 4:57:14 PM
rate-hickory$25.00$25.0011/16/2009 4:43:06 PM
magical-greenback$55.00$55.0011/16/2009 4:56:11 PM
anton$50.00$50.0011/16/2009 4:57:08 PM
Steveoo1$25.00$25.0011/16/2009 4:59:11 PM
ljay$25.00$25.0011/16/2009 4:59:22 PM
BankOfFrankFairness$50.00$50.0011/16/2009 4:59:48 PM
gethsemane4$25.00$25.0011/16/2009 5:00:39 PM
kanakakm$50.00$50.0011/16/2009 4:45:49 PM
bchen78875$50.00$50.0011/16/2009 4:46:20 PM
BlindProphet$25.00$25.0011/16/2009 4:46:33 PM
orange-courageous-dedication$40.00$40.0011/16/2009 5:01:49 PM
inforapenny$25.00$25.0011/16/2009 5:00:16 PM
justice-dna$35.00$35.0011/16/2009 4:47:09 PM
revenue-sniffer$25.00$25.0011/16/2009 5:00:33 PM
Binan$25.00$25.0011/16/2009 4:48:51 PM
pragmatic-camaraderi$25.00$25.0011/16/2009 5:02:09 PM
economy-balance$25.00$25.0011/16/2009 4:49:03 PM
saahilld$25.00$25.0011/16/2009 4:49:35 PM
bowdish1$50.00$50.0011/16/2009 4:50:38 PM
jla720$25.00$25.0011/16/2009 5:05:20 PM
best-decisive-peace$25.00$25.0011/16/2009 5:05:50 PM
fair-funds$25.00$25.0011/16/2009 5:06:22 PM
newbietony$40.00$40.0011/16/2009 4:53:58 PM
tolstoy00$25.00$25.0011/16/2009 4:55:02 PM
moola-rose8$25.00$25.0011/16/2009 4:57:22 PM
trade-doughnut5$25.00$25.0011/16/2009 4:58:23 PM
kulender$25.00$25.0011/16/2009 4:58:28 PM
yield-quest$50.00$50.0011/16/2009 9:44:48 PM
mythkw$25.00$25.0011/17/2009 8:34:10 AM
unk1911$25.00$25.0011/17/2009 8:08:39 AM
blot44$50.00$50.0011/16/2009 8:08:26 PM
Syzygy$25.00$25.0011/17/2009 10:29:20 AM
SpectrumFinance$25.00$25.0011/17/2009 11:27:44 AM
DHolly$25.00$25.0011/17/2009 6:43:00 AM
WhiteGiant$25.00$25.0011/17/2009 1:34:19 PM
protargol$50.00$50.0011/17/2009 2:11:08 PM
liberty-idol8$50.00$50.0011/17/2009 2:17:33 PM
cloud8$40.00$40.0011/17/2009 4:47:10 PM
g314$30.00$30.0011/17/2009 5:01:20 PM
springpanda$25.00$25.0011/17/2009 4:57:46 PM
longisland47m$25.00$25.0011/17/2009 5:25:32 PM
stock_speculator$25.00$25.0011/18/2009 8:22:19 AM
101010$75.00$75.0011/18/2009 12:26:44 PM
kaneco$26.95$26.9511/18/2009 6:54:47 AM
jmvingeorgia$25.00$25.0011/18/2009 8:44:35 AM
GrayStudio$50.00$50.0011/18/2009 3:44:31 PM
innovator799$25.00$25.0011/18/2009 6:59:06 PM
ivar$25.00$25.0011/18/2009 10:03:43 PM
Iwantahelp$25.00$25.0011/19/2009 11:34:55 AM
compuguy8$25.00$25.0011/19/2009 1:49:44 AM
hellasow$30.00$30.0011/20/2009 2:33:30 AM
LendThriftSimon$33.52$33.5211/20/2009 7:11:06 AM
buffalobills$25.00$25.0011/20/2009 8:31:42 AM
thestartuplender$75.00$75.0011/19/2009 8:25:24 PM
Barky52$25.00$25.0011/20/2009 9:06:16 AM
cu2maro$50.00$50.0011/20/2009 11:42:05 AM
interest-friendship$50.00$50.0011/20/2009 7:03:37 PM
Spiv_51$25.00$25.0011/21/2009 2:28:33 AM
RandyL3$25.00$25.0011/21/2009 10:02:13 AM
soilchem$25.00$25.0011/21/2009 11:31:28 AM
patriot384$50.00$50.0011/20/2009 5:03:37 PM
zento$25.00$25.0011/21/2009 9:11:30 PM
vigman777$63.96$63.9611/22/2009 8:55:16 AM
leverage-monger$200.00$200.0011/22/2009 9:50:51 AM
JerryB96$25.00$25.0011/21/2009 8:07:09 AM
YummiBear$25.00$25.0011/22/2009 7:04:43 PM
PotatoLender$25.00$25.0011/23/2009 9:11:40 AM
People-for-people$50.00$50.0011/21/2009 5:49:53 PM
CashBank$25.00$25.0011/23/2009 9:23:18 AM
PotBellyPete$100.00$100.0011/23/2009 11:44:05 AM
power-cell$25.00$25.0011/22/2009 9:14:28 AM
julijask$25.00$25.0011/22/2009 5:35:32 PM
maineyankee$25.00$25.0011/23/2009 8:13:34 AM
leverage-monger$150.00$150.0011/23/2009 9:32:22 AM
leverage-monger$300.00$300.0011/23/2009 4:12:41 PM
OoM$25.00$25.0011/23/2009 10:48:03 AM
wild-orange$100.00$100.0011/23/2009 4:13:15 PM
Rearden_Steel$25.00$25.0011/23/2009 12:25:39 PM
wild-orange$100.00$100.0011/23/2009 4:12:50 PM
fair_rates$25.00$25.0011/23/2009 3:20:22 PM
TakeCare$100.00$100.0011/23/2009 3:58:48 PM
elegant-bonus$100.00$100.0011/23/2009 4:26:16 PM
238 bids
 
Borrower Payment Dependent Notes Series 433695
This series of Notes was issued and sold upon the funding of the borrower loan #39679, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,600.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.52% Starting monthly payment: $60.42
Final lender yield: 17.00% Final borrower rate/APR: 18.00% / 20.30% Final monthly payment: $57.84
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 10.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Mar-1978 Debt/Income ratio: 31%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 14 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $20,006 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: obedient-asset 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
pay taxes/appraisal fees
Purpose of loan:
This loan will be used to pay property taxes, help pay toward appraisal and refinancing fees????
?

My financial situation:
I am a good candidate for this loan because?I have stable income and am conscientious about paying my financial obligations. Thus I work odd jobs to make sure this is accomplished.

Monthly net income: $ 4718 (payroll, retirement/disability & odd job)


Monthly expenses: $
??Housing: $ 781 ( mnthly pymnt., taxes & ins)
??Insurance: $ 272 ( life, medical, dental, retirement/disability)
??Car expenses: $ 493 (?mnthly pymnt, tags, ins & inspections)
??Utilities: $ 245 (electric/water/sewer, gas (equal pymnt plan)
??Phone, cable, internet: $ 209 (mobile included)
??Food, entertainment: $ 250
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 900
??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)
hellasow$25.00$25.0011/20/2009 1:48:47 AM
Bank_Of_XL$100.00$100.0011/21/2009 8:42:36 AM
Capital_Infusion$50.00$50.0011/20/2009 5:56:17 PM
Syzygy$25.00$25.0011/22/2009 8:56:46 AM
TakeCare$50.00$50.0011/22/2009 9:15:00 PM
drkosh$25.00$25.0011/22/2009 8:01:04 AM
stuy1998$25.00$25.0011/22/2009 8:19:32 AM
KaChingInvestments$25.00$25.0011/23/2009 4:38:54 AM
wwwUniversal$25.00$20.0011/23/2009 3:42:38 PM
gothampark$25.00$25.0011/23/2009 9:04:12 PM
Leshan$50.00$50.0011/24/2009 8:16:41 AM
maga$50.00$50.0011/24/2009 1:53:59 PM
wild-orange$200.00$200.0011/24/2009 3:13:21 PM
TakeCare$50.00$50.0011/24/2009 3:15:25 PM
TakeCare$25.00$25.0011/24/2009 3:20:25 PM
enthusiastic-balance5$200.00$200.0011/24/2009 3:22:23 PM
nickel-pipeline$26.00$26.0011/24/2009 3:47:39 PM
People-for-people$50.00$50.0011/24/2009 4:38:16 PM
kinetic-social$25.00$25.0011/24/2009 5:04:42 PM
the-profit-oracle$25.00$25.0011/24/2009 4:59:31 PM
investment-cluster$25.00$25.0011/24/2009 5:02:32 PM
Engineer44$29.00$29.0011/24/2009 5:06:52 PM
Nicedad72$25.00$25.0011/23/2009 5:24:57 PM
impartial-deal$25.00$25.0011/24/2009 12:11:49 PM
jybank$25.00$25.0011/24/2009 3:28:06 PM
leverage-monger$200.00$200.0011/24/2009 4:20:59 PM
well-mannered-income3$25.00$25.0011/24/2009 4:23:24 PM
leverage-monger$100.00$100.0011/24/2009 4:44:23 PM
colorfulgardener$50.00$50.0011/24/2009 4:47:47 PM
forthright-trade$25.00$25.0011/24/2009 4:56:55 PM
30 bids
 
Borrower Payment Dependent Notes Series 433715
This series of Notes was issued and sold upon the funding of the borrower loan #39754, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $235.51
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $233.68
 
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: 9 First credit line: Jun-1972 Debt/Income ratio: 40%
Credit score: 700-719 (Oct-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $22,024 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: genuine-funds0 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
Fresh Start
Purpose of loan:
Hello Prosper community, I would like to say thank you for looking at my listing, with out you none of this would be posible. This is my third listing and I am hoping this is the one. I need some help, and you can help me. I have debt! I need to get rid of a few debt's that are killing me with interest. I would like to get a fresh start, and not worry about all these bills. This loan would help me get a fresh start with saving money every month. I have high rates that wont help me pay them off...This loan would let me get rid of allot of headachs each month.

My financial situation:
I have a solid job that pays well. My payment history is excellent because I am always on time. I currently cover all of my expenses and still save money. I would like to be able to save more money. Too many bills equals saving less money because of all the bills. I am trying to save money but it is hard with bills and rates. I am trying to save money and save myself.

Monthly net income: $ 3200

Monthly expenses: $
Housing: $ 1250
Insurance: $ 180
Car expenses: $465
Utilities: $
Phone, cable, internet: $
Food, entertainment: $ 300
Clothing, household expenses $
Credit cards and other loans: $ 550
Other expenses: $
Thanks again.
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)
DonaldColorado$25.00$25.0011/17/2009 5:11:11 PM
gizzywump$25.00$25.0011/17/2009 5:14:02 PM
hard-working-loot$25.00$25.0011/17/2009 5:14:11 PM
antlr$25.00$25.0011/17/2009 5:14:08 PM
zoomdrm57$50.00$50.0011/17/2009 5:14:14 PM
first-wampum-trapper$25.00$25.0011/17/2009 5:14:17 PM
lloyd_s$25.00$25.0011/17/2009 5:14:59 PM
leodaguy$25.00$25.0011/17/2009 5:15:57 PM
lend_to_you$50.00$50.0011/17/2009 5:15:49 PM
a-responsible-return$25.00$25.0011/17/2009 5:19:34 PM
BlindProphet$25.00$25.0011/17/2009 5:19:53 PM
justice-dna$35.00$35.0011/17/2009 5:20:08 PM
thedoctor$40.00$40.0011/17/2009 5:20:16 PM
personal-lender$25.00$25.0011/17/2009 5:19:40 PM
rmachi$25.00$25.0011/17/2009 5:20:19 PM
Weaverville$25.00$25.0011/17/2009 5:19:44 PM
GElender$50.00$50.0011/17/2009 5:20:43 PM
greenbackologist$25.00$25.0011/17/2009 5:20:10 PM
Zarf$50.00$50.0011/17/2009 5:22:45 PM
the-money-gargantuan$25.00$25.0011/17/2009 5:23:02 PM
tolstoy00$25.00$25.0011/17/2009 5:23:23 PM
AF-Chief$35.00$35.0011/17/2009 5:23:42 PM
Mr_Marcus$50.00$50.0011/17/2009 5:24:17 PM
mikeandcat$50.00$50.0011/17/2009 5:24:21 PM
DadWarbucks$25.00$25.0011/17/2009 5:25:18 PM
revenue-sniffer$25.00$25.0011/17/2009 5:25:55 PM
syounker$25.00$25.0011/17/2009 5:28:25 PM
jla720$25.00$25.0011/17/2009 5:28:39 PM
rakstar$50.00$50.0011/17/2009 5:29:12 PM
wrighco$25.00$25.0011/17/2009 5:13:44 PM
lucrative-worth$25.00$25.0011/17/2009 5:13:47 PM
emo13$50.00$50.0011/17/2009 5:13:50 PM
MoneyU4IA$40.00$40.0011/17/2009 5:14:20 PM
Goodlender42$25.00$25.0011/17/2009 5:14:29 PM
Cai8899$75.00$75.0011/17/2009 5:14:52 PM
the_winning_ticket$35.00$35.0011/17/2009 5:15:59 PM
winlender$25.00$25.0011/17/2009 7:35:20 PM
Rcprofit$25.00$25.0011/17/2009 9:00:42 PM
Flux$25.00$25.0011/17/2009 11:16:15 PM
SNH$50.00$50.0011/17/2009 5:20:48 PM
Mojo1$45.00$45.0011/17/2009 11:48:56 PM
vegaslender88$25.00$25.0011/18/2009 12:41:32 AM
tallmon$25.00$25.0011/17/2009 5:21:47 PM
evnagelist$50.00$50.0011/17/2009 5:22:43 PM
newbietony$40.00$40.0011/17/2009 5:22:51 PM
Speculator$25.00$25.0011/17/2009 5:24:42 PM
open-wealth492$25.00$25.0011/18/2009 8:34:23 AM
five-star-note$25.00$25.0011/18/2009 8:51:36 AM
Kerrysbay$25.00$25.0011/18/2009 9:36:53 AM
amit_gu$50.00$50.0011/17/2009 5:26:55 PM
MidLifeCrisis$25.00$25.0011/18/2009 9:56:58 AM
fair-funds$25.00$25.0011/17/2009 5:27:34 PM
Steveoo1$50.00$50.0011/17/2009 5:27:46 PM
aspen5$25.00$25.0011/18/2009 10:21:48 AM
credit-coach118$35.00$35.0011/17/2009 5:29:57 PM
ytjameslee$50.00$50.0011/18/2009 10:37:17 AM
julijask$25.00$25.0011/17/2009 5:30:31 PM
Jack1966$25.00$25.0011/18/2009 11:02:26 AM
KiwiElf$30.00$30.0011/18/2009 11:02:39 AM
JJS180$25.00$25.0011/18/2009 11:03:42 AM
ike_bt$25.00$25.0011/18/2009 11:02:06 AM
wise-cash-keeper$29.88$29.8811/18/2009 11:03:35 AM
listing-happiness$25.00$25.0011/18/2009 11:11:05 AM
BayShell$40.00$40.0011/18/2009 11:16:17 AM
nalaari$48.61$48.6111/18/2009 11:33:22 AM
asset-prescription$25.00$25.0011/18/2009 11:36:03 AM
bold-enthralling-yield$25.00$25.0011/18/2009 11:33:25 AM
rwelle$25.00$25.0011/18/2009 12:10:11 PM
eighttone$25.00$25.0011/18/2009 11:46:18 AM
Octavian315$50.00$50.0011/18/2009 12:20:33 PM
cowboyskier$39.17$39.1711/18/2009 12:05:38 PM
reinforced-economy3$25.00$25.0011/18/2009 12:29:57 PM
jga516$25.00$25.0011/18/2009 1:10:01 PM
wampum-cocktail$25.00$25.0011/18/2009 2:49:39 PM
blackstar$25.00$25.0011/18/2009 4:16:16 AM
able2help$25.00$25.0011/18/2009 3:25:05 PM
orange-resolute-platinum$25.00$25.0011/18/2009 3:50:10 PM
selector568$26.95$26.9511/18/2009 7:04:40 AM
bds9646$25.00$25.0011/18/2009 9:38:14 AM
slartibardfast$35.00$35.0011/18/2009 9:50:46 AM
lucrative-durability$75.00$75.0011/18/2009 10:37:23 AM
SonomaHills$25.00$25.0011/18/2009 11:03:36 AM
spin-kick$25.00$25.0011/18/2009 11:21:56 AM
JohnBanks$25.00$25.0011/18/2009 11:31:28 AM
Tai$25.00$25.0011/18/2009 11:33:30 AM
Katburg$25.00$25.0011/18/2009 11:56:56 AM
driver928$100.00$100.0011/18/2009 11:59:38 AM
InvestorPartners$25.00$25.0011/18/2009 12:29:51 PM
mh1169$25.00$25.0011/18/2009 1:29:35 PM
payout-optimizer$25.00$25.0011/18/2009 2:49:29 PM
bigdees$25.00$25.0011/18/2009 3:09:33 PM
open-minded-finance1$25.00$25.0011/18/2009 3:34:25 PM
liederhaus$50.00$25.2711/18/2009 4:45:21 PM
morpholog$25.00$25.0011/18/2009 4:20:16 PM
unk1911$25.00$25.0011/19/2009 10:21:42 AM
Oak-Parker$25.10$25.1011/23/2009 6:33:25 PM
TakeCare$50.00$50.0011/24/2009 3:21:13 PM
wild-orange$100.00$100.0011/24/2009 3:24:52 PM
cashasaurus0$100.00$100.0011/24/2009 3:43:16 PM
sidney102$25.00$25.0011/17/2009 5:13:30 PM
TakeCare$100.00$100.0011/17/2009 5:13:53 PM
miked8303$25.00$25.0011/17/2009 5:13:58 PM
E_G$50.00$50.0011/17/2009 5:16:16 PM
burgeoning-silver$25.00$25.0011/17/2009 5:16:22 PM
Attract$25.00$25.0011/17/2009 5:19:31 PM
Walkingcowboy$25.00$25.0011/17/2009 5:19:59 PM
economy-balance$25.00$25.0011/17/2009 5:21:07 PM
888168$50.00$50.0011/17/2009 5:21:44 PM
magical-greenback$55.00$55.0011/17/2009 5:24:11 PM
anton$50.00$50.0011/17/2009 5:24:32 PM
don8ter$60.00$60.0011/17/2009 5:24:59 PM
mamayama$25.00$25.0011/17/2009 5:25:22 PM
ljay$25.00$25.0011/17/2009 5:25:33 PM
gethsemane4$25.00$25.0011/17/2009 5:25:59 PM
steves73$25.00$25.0011/17/2009 5:26:17 PM
allieoomp$25.00$25.0011/17/2009 5:26:20 PM
orange-courageous-dedication$40.00$40.0011/17/2009 5:26:23 PM
truth-prospector$25.00$25.0011/17/2009 5:27:09 PM
best-decisive-peace$25.00$25.0011/17/2009 5:27:25 PM
honorable-yield$75.00$75.0011/17/2009 5:27:20 PM
Artist_Blue$25.00$25.0011/17/2009 5:27:43 PM
credit-investor5$50.00$50.0011/17/2009 5:29:21 PM
Hogpilot$25.00$25.0011/17/2009 5:29:03 PM
djh47a$40.00$40.0011/17/2009 5:29:47 PM
DukSerduk$25.00$25.0011/17/2009 5:30:19 PM
bigdogsafety1$25.00$25.0011/17/2009 5:30:59 PM
repayment-chef$25.00$25.0011/17/2009 5:14:24 PM
Banker7371$25.00$25.0011/17/2009 5:14:34 PM
GOPHERBOY$65.00$65.0011/17/2009 5:31:23 PM
cash-boots$30.00$30.0011/17/2009 5:15:42 PM
sharkm$25.00$25.0011/17/2009 5:16:09 PM
the-payment-tiger195$25.00$25.0011/17/2009 7:35:03 PM
wise-agile-investment$25.00$25.0011/17/2009 7:15:17 PM
szetheli$32.57$32.5711/17/2009 8:30:13 PM
pragmatic-camaraderi$25.00$25.0011/17/2009 8:45:07 PM
bchen78875$50.00$50.0011/17/2009 5:19:47 PM
gracej$25.00$25.0011/17/2009 5:19:57 PM
trident9$50.00$50.0011/17/2009 5:20:02 PM
neighborly-hope6$100.00$100.0011/17/2009 5:20:05 PM
bonus-patriot$25.00$25.0011/17/2009 5:20:45 PM
five-star-justice$36.00$36.0011/17/2009 5:20:59 PM
johannesfactotum$25.00$25.0011/18/2009 4:06:11 AM
Havana21$50.00$50.0011/17/2009 5:22:53 PM
trade-doughnut5$25.00$25.0011/17/2009 5:25:05 PM
kulender$25.00$25.0011/17/2009 5:25:08 PM
Klearwater_Pools$25.00$25.0011/17/2009 5:25:13 PM
BankOfFrankFairness$50.00$50.0011/17/2009 5:25:44 PM
crenen139$100.00$100.0011/17/2009 5:26:10 PM
verse99$25.00$25.0011/18/2009 9:49:11 AM
djs81$25.00$25.0011/18/2009 10:02:20 AM
just-commitment$25.00$25.0011/18/2009 10:17:07 AM
dionysus03$25.00$25.0011/17/2009 5:29:08 PM
fortytwo$25.00$25.0011/18/2009 10:32:26 AM
ultimate-social$25.00$25.0011/18/2009 10:46:29 AM
kanakakm$50.00$50.0011/17/2009 5:30:49 PM
otter$25.00$25.0011/18/2009 11:02:28 AM
ClearLake$25.00$25.0011/18/2009 11:02:04 AM
Namrok$25.00$25.0011/18/2009 11:16:33 AM
highcountry1$25.00$25.0011/17/2009 5:45:45 PM
GetItRight$25.00$25.0011/18/2009 11:31:42 AM
gauss02$25.00$25.0011/18/2009 11:33:15 AM
payout-point$100.00$100.0011/18/2009 11:33:26 AM
copperfield$25.00$25.0011/18/2009 11:36:08 AM
sugarhoof$25.00$25.0011/18/2009 11:39:37 AM
Cheburashka$30.00$30.0011/18/2009 11:40:12 AM
woodenshoes$25.00$25.0011/18/2009 12:29:59 PM
desertoasis$25.00$25.0011/17/2009 7:25:12 PM
Hiru$25.00$25.0011/18/2009 12:45:07 PM
USMC0311$25.00$25.0011/18/2009 1:19:50 PM
Sid-K$25.00$25.0011/18/2009 2:36:52 PM
stable-money$25.00$25.0011/18/2009 3:09:33 PM
tenny321$25.00$25.0011/18/2009 2:54:25 PM
1fortheroad$25.00$25.0011/18/2009 3:30:49 PM
community-pipeline8$25.00$25.0011/18/2009 3:54:24 PM
borrowmine$25.00$25.0011/18/2009 7:54:47 AM
Binan$25.00$25.0011/18/2009 8:34:22 AM
pleasant-basis$25.00$25.0011/18/2009 9:37:42 AM
powerful-bill$25.00$25.0011/18/2009 9:38:32 AM
trade-pragmatist$25.00$25.0011/18/2009 9:38:35 AM
scoobiedoo$25.00$25.0011/18/2009 9:52:11 AM
oskizzle$25.00$25.0011/18/2009 10:37:27 AM
panegryst$25.00$25.0011/18/2009 11:02:05 AM
michaelndn$25.00$25.0011/18/2009 11:02:14 AM
TandyJames$50.00$50.0011/18/2009 11:02:30 AM
money-explorer3$25.00$25.0011/18/2009 11:03:29 AM
Aeroman32$25.00$25.0011/18/2009 11:31:46 AM
bid-promiser$25.00$25.0011/18/2009 11:33:21 AM
bonus-chosen-one$25.00$25.0011/18/2009 12:29:53 PM
smallcountry$25.00$25.0011/18/2009 3:09:28 PM
granitepk$25.00$25.0011/18/2009 3:09:49 PM
honorable-responsibility4$25.00$25.0011/18/2009 3:50:11 PM
Jim33$25.00$25.0011/18/2009 10:22:21 PM
Patrician$46.45$46.4511/23/2009 8:20:07 AM
TakeCare$50.00$50.0011/23/2009 4:04:29 PM
elegant-bonus$25.00$25.0011/23/2009 4:34:34 PM
loss-of-control$100.00$100.0011/23/2009 5:18:21 PM
vc4114$60.00$60.0011/23/2009 8:38:44 PM
principal-laser$100.00$100.0011/24/2009 4:36:07 AM
Ssider$50.00$50.0011/24/2009 5:46:14 AM
caseattle$25.00$25.0011/24/2009 9:07:51 AM
jybank$25.00$25.0011/24/2009 10:54:43 AM
impartial-deal$25.00$25.0011/24/2009 11:49:33 AM
Jynxie$50.00$50.0011/24/2009 12:22:03 PM
wild-orange$100.00$100.0011/24/2009 3:25:14 PM
Mikale360$25.00$25.0011/24/2009 3:56:12 PM
dmk2006$25.00$25.0011/24/2009 4:07:43 PM
the-profit-oracle$25.00$25.0011/24/2009 5:00:03 PM
prudent-gain7$25.00$25.0011/24/2009 4:42:01 PM
208 bids
 
Borrower Payment Dependent Notes Series 433725
This series of Notes was issued and sold upon the funding of the borrower loan #39757, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 30.34% Starting borrower rate/APR: 31.34% / 33.74% Starting monthly payment: $259.13
Final lender yield: 25.45% Final borrower rate/APR: 26.45% / 28.78% Final monthly payment: $243.18
 
Auction yield range: 11.29% - 30.34% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
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-1991 Debt/Income ratio: 26%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $5,237 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: WoWPets Borrower's state: Oregon Borrower's group: Lend2's Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 31 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
660-679 (Sep-2008)
660-679 (Dec-2007)
660-679 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
Business Auto
Hello,

The growth of my mobile aquatics maintenance company, Go Fish, has made it in my best interest to have a designated company vehicle. Perhaps this will be the first of several!

I have obtained 2 Prosper loans and I have paid off both early.

Thank you for your time and 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)
wildguy$50.00$50.0011/19/2009 12:31:44 PM
zone8$100.00$100.0011/19/2009 12:32:54 PM
invisible_hand$25.00$25.0011/19/2009 12:35:45 PM
reflective-rupee$75.00$75.0011/19/2009 12:34:14 PM
CA_Lender$25.00$25.0011/19/2009 12:36:49 PM
charming-point$100.00$100.0011/19/2009 12:39:12 PM
honorable-yield$35.00$35.0011/19/2009 12:39:41 PM
lloyd_s$25.00$25.0011/19/2009 12:38:57 PM
sloan$25.00$25.0011/19/2009 12:41:25 PM
reflective-rupee$50.00$50.0011/19/2009 12:54:55 PM
reflective-rupee$25.00$25.0011/19/2009 12:55:34 PM
five-star-note$25.00$25.0011/19/2009 12:31:51 PM
dinero-mason$50.00$50.0011/19/2009 12:38:59 PM
miked8303$25.00$25.0011/19/2009 12:39:50 PM
affluence-tycoon$25.00$25.0011/19/2009 12:39:58 PM
thestartuplender$25.00$25.0011/19/2009 8:26:31 PM
rusdawg400$25.00$25.0011/20/2009 4:23:58 AM
SFBank$200.00$200.0011/20/2009 6:59:46 PM
AtlantistoXanadu$75.00$75.0011/20/2009 3:42:55 PM
psbruce$30.39$30.3911/22/2009 8:02:48 AM
brodav$50.00$50.0011/22/2009 9:41:08 PM
note-miser8$25.00$25.0011/23/2009 8:19:38 AM
mdaallen$25.00$25.0011/23/2009 9:22:21 AM
unger$50.00$50.0011/22/2009 4:29:05 AM
Ast24$25.00$25.0011/23/2009 10:16:21 AM
MacCutter$50.00$50.0011/23/2009 5:53:03 AM
Pu239$50.00$50.0011/23/2009 8:21:35 AM
sweety075$25.00$25.0011/23/2009 4:46:30 PM
anarchy1985$25.00$25.0011/23/2009 6:38:44 PM
hillerod$25.00$25.0011/23/2009 11:09:47 PM
professional-finance$25.00$25.0011/24/2009 2:14:35 PM
the-profit-oracle$25.00$25.0011/24/2009 5:52:41 PM
mikeyp411$43.33$43.3311/24/2009 7:33:18 PM
genuine-dime$25.00$25.0011/24/2009 7:14:17 PM
cashasaurus0$400.00$400.0011/25/2009 5:58:35 AM
zooom7$50.00$50.0011/25/2009 9:16:28 AM
credit-coach118$25.00$25.0011/25/2009 11:46:01 AM
just-trade0$36.00$36.0011/25/2009 1:44:34 PM
TakeCare$200.00$200.0011/25/2009 3:25:21 PM
asdf9876$100.00$100.0011/25/2009 2:57:58 PM
ChrisKwan$25.00$25.0011/25/2009 4:13:46 PM
BBL$25.00$25.0011/25/2009 4:13:48 PM
Helenska11$25.00$25.0011/25/2009 4:13:14 PM
elegant-bonus$50.00$50.0011/25/2009 4:10:17 PM
VikingLender$100.00$100.0011/25/2009 5:18:21 PM
sturdy-peace9$50.00$50.0011/25/2009 5:18:14 PM
grf1945$25.00$25.0011/25/2009 7:52:00 PM
jybank$25.00$25.0011/25/2009 8:01:57 PM
a2190b$25.00$25.0011/26/2009 7:47:22 AM
Kissabledevil$50.00$50.0011/26/2009 9:26:14 AM
LendingHelper$100.00$100.0011/26/2009 9:07:42 AM
skro$25.00$25.0011/19/2009 12:32:16 PM
unclejaef$25.00$25.0011/19/2009 12:32:20 PM
desertoasis$25.00$25.0011/19/2009 12:33:30 PM
saffron4$25.00$25.0011/19/2009 12:34:52 PM
ChrisTJ$25.00$25.0011/19/2009 12:35:00 PM
108lender$75.00$75.0011/19/2009 12:35:02 PM
fortytwo$50.00$50.0011/19/2009 12:34:34 PM
SPB$25.00$25.0011/19/2009 12:37:26 PM
dedicated-diversification5$65.00$65.0011/19/2009 12:39:21 PM
spitzbergen$25.00$25.0011/19/2009 12:39:40 PM
gizzywump$25.00$25.0011/19/2009 12:39:52 PM
rmachi$25.00$25.0011/19/2009 12:39:55 PM
Diamond_Jim$25.00$25.0011/19/2009 12:38:53 PM
treasure-bliss$50.00$50.0011/19/2009 12:39:23 PM
Turtlebear44$25.00$25.0011/19/2009 12:39:32 PM
Havana21$50.00$50.0011/19/2009 12:39:36 PM
CarDealer3070$30.00$30.0011/19/2009 12:39:44 PM
currency-bumblebee$25.00$25.0011/19/2009 12:56:18 PM
Aberdeen$300.00$300.0011/19/2009 12:56:32 PM
reflective-rupee$50.00$50.0011/19/2009 12:56:24 PM
unk1911$25.00$25.0011/19/2009 2:40:52 PM
tallmon$25.00$25.0011/19/2009 12:39:19 PM
srthsvghdthtr$25.00$25.0011/19/2009 2:39:33 PM
truth-eclair$25.00$22.1111/19/2009 12:41:29 PM
CoolPlexer$48.40$48.4011/19/2009 5:13:01 PM
buphigam$25.00$25.0011/19/2009 6:49:36 PM
golden-currency$39.51$39.5111/20/2009 4:53:27 AM
Planecourage$27.26$27.2611/20/2009 7:32:46 AM
felicity-daydream$25.00$25.0011/20/2009 8:28:41 PM
highyield$72.00$72.0011/20/2009 9:50:52 PM
witty-compassion$30.00$30.0011/21/2009 7:47:51 PM
cashhelp$25.00$25.0011/22/2009 12:18:10 PM
newbietony$25.00$25.0011/22/2009 1:59:01 PM
ih8jocks1692$25.00$25.0011/21/2009 6:44:40 AM
wwwUniversal$25.00$25.0011/21/2009 2:44:48 PM
Yomain$50.00$50.0011/23/2009 5:29:00 PM
loss-of-control$200.00$200.0011/23/2009 7:20:25 PM
shrewd-peace7$50.00$50.0011/23/2009 8:56:06 PM
impartial-deal$50.00$50.0011/24/2009 12:17:01 PM
irishlaw$60.00$60.0011/24/2009 1:33:38 PM
People-for-people$50.00$50.0011/24/2009 5:25:20 PM
mercuriant$25.00$25.0011/24/2009 5:27:57 PM
lender12345$25.00$25.0011/24/2009 5:28:12 PM
portfolio-turbine$25.00$25.0011/24/2009 5:32:26 PM
Peterman$100.00$100.0011/24/2009 7:12:11 PM
WMY-Investor$250.00$250.0011/24/2009 7:27:27 PM
Gaelicman$50.00$50.0011/24/2009 10:25:31 PM
fantasysports$25.00$25.0011/24/2009 11:05:52 PM
buffalobills$25.00$25.0011/25/2009 7:18:01 AM
efficient-principal$25.00$25.0011/25/2009 9:23:48 AM
thenadamgoes$28.00$28.0011/25/2009 10:35:33 AM
credit-coach118$25.00$25.0011/25/2009 11:45:31 AM
Ray3486$25.00$25.0011/25/2009 11:49:58 AM
Toby1montana$50.00$50.0011/25/2009 4:13:40 PM
carrinel$50.00$50.0011/25/2009 6:28:07 PM
MrRooster101$53.00$53.0011/25/2009 6:37:08 PM
payout-reaction740$25.00$25.0011/25/2009 7:42:18 PM
atlas100$30.00$30.0011/26/2009 6:24:21 AM
money-prophesy$100.00$100.0011/26/2009 7:42:31 AM
RecoveryLender$25.00$25.0011/26/2009 9:14:42 AM
SNH$50.00$50.0011/26/2009 7:52:30 AM
rate-hickory$25.00$25.0011/26/2009 8:08:00 AM
bestloanrate$50.00$50.0011/26/2009 9:39:14 AM
proton4$50.00$50.0011/26/2009 12:25:59 PM
leverage-monger$100.00$100.0011/26/2009 9:08:44 AM
Techne_Funds_LLC$25.00$25.0011/26/2009 10:39:40 AM
PotBellyPete$50.00$50.0011/26/2009 12:03:38 PM
118 bids
 
Borrower Payment Dependent Notes Series 433767
This series of Notes was issued and sold upon the funding of the borrower loan #39778, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.33% Starting monthly payment: $59.46
Final lender yield: 19.00% Final borrower rate/APR: 20.00% / 22.33% Final monthly payment: $59.46
 
Auction yield range: 17.29% - 19.00% Estimated loss impact: 20.06%  
Lender servicing fee: 1.00% Estimated return: -1.06%  
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-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 600-619 (Nov-2009) Current / open credit lines: 9 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 11Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $1,899 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 88%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bowhunterhoyt Borrower's state: Nebraska 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: 1 / 2 On-time: 58 ( 100% ) 600-619 (Latest)
Principal borrowed: $7,992.00< mo. late: 0 ( 0% )  
640-659 (Dec-2007)
620-639 (Jun-2006)
 
Principal balance: $2,186.14 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
Help us restart
A brief introduction to who we "really are". We are a husband and wife team.? Between the two of us we have 3 jobs.?Two full-time and one part-time. "Corporate downsizing" has made that possible. We fit into that the catagory to old too be young, yet too young to collect any retirement funds.
.
????? ?We have been selling on the internet via a variety of venues since 2004 our startup inventory was all funded by personal and sales income.?We also have a booth at the local antique mall..?We recently have?entered into the internet affliate marketing area.
?????.?
?????Some of our sites at:?http://easybuymalls.com?and http://etchingsandcollectibles.ecrater.com/?. We also?created and maintain?a local website.?http://fairburynebraska.info

Mrs. works full time at a local care facility, as well as on-line sales. Mr. has started a portable welding service in May 2007. His service caters to the agricultural community and?private?persons needing metal fabricating or repair.?Mrs. was?unemployed for about 6 months due to cutbacks?has?now?been employed now for 3 months.?
Looking for a ?few funds to catch us back up from the unemployment and to get back on track..
The funds will go to all those many little things that build up..that have been put on the credit cards
We would like to put them in one place.

This our third Prosper loan. The first was paid off? all payments made on time. The second is 1/2 paid with all payments on time.
??? We live a frugal life style.?. Our vehicles are paid for.. Of course, repayment of any loans would be from sales and earned income.?
We look forward to working with you!

Family income: (winter) $2,000.00 Rest of the year average: $3,500.00
Housing: $265.00 Including taxes and insurance (we are purchasing our home)
Auto insurance: $50.00
Total credit card balance: $1899.00 minimum payment $50.00
Current Prosper loan $169.00
Other loans (including student loan): $160.00
Food: $150.00
Gas: $100.00
Utilities: $200.00
Phone: $95.00
Auto payments:$0
Total $1238.00
Relisting at a lower requested amount. Thank you to all those that bid on our 1st listing.
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)
fcb202$25.00$25.0011/18/2009 4:01:54 PM
MoneyForNothing$25.00$25.0011/18/2009 7:12:11 PM
exciting-fairness$150.00$150.0011/19/2009 9:53:09 AM
best-generosity-financier$148.87$148.8711/19/2009 11:13:30 AM
sweety075$25.00$25.0011/22/2009 8:40:26 PM
brother_tam$100.00$100.0011/22/2009 8:50:03 PM
BankofBeth$25.00$25.0011/23/2009 4:12:26 PM
lender12345$25.00$25.0011/24/2009 5:25:34 PM
TakeCare$100.00$100.0011/24/2009 6:26:57 PM
CaliforniaSun$25.00$25.0011/24/2009 8:49:42 PM
iolaire$25.00$25.0011/25/2009 9:06:56 AM
TakeCare$25.00$4.8411/25/2009 3:06:19 PM
SNH$50.00$50.0011/19/2009 10:13:29 AM
aztocas$25.00$25.0011/19/2009 10:01:15 PM
periko$50.00$50.0011/19/2009 8:33:50 PM
quicksilver70$25.00$25.0011/22/2009 6:52:35 PM
exciting-fairness$50.00$50.0011/23/2009 11:02:45 AM
Aberdeen$300.00$300.0011/22/2009 4:32:50 PM
best-generosity-financier$46.29$46.2911/22/2009 11:43:57 PM
marwadi-62$100.00$100.0011/24/2009 3:44:36 PM
the-profit-oracle$25.00$25.0011/24/2009 5:05:10 PM
BenR$100.00$100.0011/25/2009 6:22:18 AM
Astyanax$25.00$25.0011/25/2009 12:01:00 PM
fireferd$50.00$50.0011/25/2009 2:13:15 PM
dorypro$25.00$25.0011/25/2009 2:23:18 PM
durability-colonel$50.00$50.0011/25/2009 2:31:03 PM
26 bids
 
Borrower Payment Dependent Notes Series 433789
This series of Notes was issued and sold upon the funding of the borrower loan #39686, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.68% Starting monthly payment: $56.64
Final lender yield: 17.00% Final borrower rate/APR: 18.00% / 20.46% Final monthly payment: $54.23
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 10.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1991 Debt/Income ratio: 40%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 23 / 20Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 64Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $25,582 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: p2p-lyrics Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards with high interest rates.

My financial situation:
I am a good candidate for this loan because I have a secure job as a Bilingual elementary teacher.
I've not been late with my payments in over 6+ years.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 760
??Insurance: $ 150
??Car expenses: $ 770
??Utilities: $?40
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 20
??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)
JCPlending$25.00$25.0011/19/2009 7:23:27 PM
hellasow$25.00$25.0011/20/2009 1:55:02 AM
KlarthXVII$25.00$25.0011/21/2009 5:50:39 AM
vwman$25.00$25.0011/23/2009 4:52:03 PM
gilbrear$25.00$25.0011/23/2009 5:51:46 PM
Techne_Funds_LLC$25.00$25.0011/23/2009 7:29:06 PM
tkr2$25.00$25.0011/23/2009 5:51:53 PM
MrLeft$50.00$50.0011/24/2009 8:01:26 AM
caseattle$25.00$25.0011/24/2009 9:09:49 AM
impartial-deal$50.00$50.0011/24/2009 11:50:57 AM
SkinnyFish$25.00$25.0011/24/2009 12:59:48 PM
shrewd-income$50.00$50.0011/24/2009 1:32:21 PM
primed$50.00$50.0011/24/2009 1:34:42 PM
payout-reaction740$25.00$25.0011/24/2009 2:37:39 PM
TakeCare$50.00$50.0011/24/2009 3:26:52 PM
randsenterprise$25.00$25.0011/24/2009 4:45:05 PM
the-profit-oracle$25.00$25.0011/24/2009 5:01:12 PM
prudent-gain7$25.00$25.0011/24/2009 4:55:49 PM
jybank$25.00$25.0011/24/2009 5:08:25 PM
ValleyBHC$25.00$25.0011/19/2009 10:20:48 AM
explorer925$25.00$25.0011/20/2009 10:31:41 PM
FinanceEngine$25.00$25.0011/20/2009 3:09:04 PM
Sol_Invictus$25.00$25.0011/23/2009 7:17:27 AM
loss-of-control$100.00$100.0011/23/2009 6:30:16 PM
truth-smasher$25.00$25.0011/23/2009 7:11:43 PM
Ambassador$50.00$50.0011/23/2009 9:06:11 PM
wealth-grasshopper0$152.20$152.2011/24/2009 12:17:36 PM
wild-orange$200.00$200.0011/24/2009 3:14:21 PM
betheanswer$50.00$50.0011/24/2009 2:42:31 PM
daekpon$25.00$25.0011/24/2009 4:00:13 PM
exciting-fairness$200.00$22.8011/24/2009 5:03:32 PM
kinetic-social$25.00$25.0011/24/2009 5:06:41 PM
exciting-fairness$100.00$100.0011/24/2009 5:07:34 PM
JustMee$25.00$25.0011/24/2009 4:59:16 PM
Mikale360$25.00$25.0011/24/2009 5:05:09 PM
35 bids
 
Borrower Payment Dependent Notes Series 433809
This series of Notes was issued and sold upon the funding of the borrower loan #39772, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $203.56
 
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: Nov-2003 Debt/Income ratio: 40%
Credit score: 680-699 (Oct-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $4,753 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sbhavi2 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
600-619 (Apr-2008)
 
Principal balance: $4,356.89 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
personal use
Purpose of loan:
This loan will be used to?clear my debts.
My financial situation:
I am a good candidate for this loan because? i will pay my installment on time.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please indicate your monthly net income and expenses. thanks - reflective-rupee
A: monthly income $3500.00 and total expenses $3100.00 (Nov-20-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.0011/17/2009 5:12:26 PM
fcb202$25.00$25.0011/17/2009 5:12:30 PM
reflective-rupee$50.00$50.0011/17/2009 5:30:38 PM
reflective-rupee$135.00$135.0011/18/2009 1:39:22 PM
Eloise62$75.00$75.0011/19/2009 11:10:17 AM
reflective-rupee$25.00$25.0011/20/2009 9:51:43 AM
reflective-rupee$25.00$25.0011/20/2009 9:51:30 AM
reflective-rupee$50.00$50.0011/19/2009 10:10:17 PM
reflective-rupee$150.00$150.0011/20/2009 10:16:30 AM
DasMula$250.00$250.0011/20/2009 3:37:40 PM
Kash2010lu$25.00$25.0011/20/2009 5:07:58 PM
vivacious-p2p3$25.00$25.0011/22/2009 6:04:12 PM
well-mannered-income3$100.00$100.0011/22/2009 7:41:14 PM
reflective-rupee$675.00$675.0011/21/2009 11:36:36 AM
reflective-rupee$45.00$45.0011/22/2009 8:27:15 PM
sweety075$25.00$25.0011/22/2009 10:17:00 AM
bonus-patriot$25.00$25.0011/23/2009 12:42:14 PM
bonus-patriot$25.00$25.0011/23/2009 12:42:38 PM
capital-galaxy$125.00$125.0011/23/2009 6:48:05 AM
TakeCare$100.00$100.0011/23/2009 4:09:44 PM
MrDance123$25.00$25.0011/23/2009 3:46:49 PM
exciting-fairness$200.00$200.0011/23/2009 6:57:32 PM
moneymagnet4God$30.03$30.0311/23/2009 6:47:56 PM
doctorgrab$30.00$30.0011/23/2009 8:26:44 PM
well-mannered-income3$50.00$50.0011/23/2009 5:54:01 PM
invincible-gain$80.00$80.0011/23/2009 8:33:23 PM
invincible-gain$50.00$8.7311/23/2009 8:34:30 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:49 PM
reflective-rupee$50.00$50.0011/17/2009 5:24:05 PM
fortytwo$66.24$66.2411/18/2009 6:06:20 AM
EEasyMoney$50.00$50.0011/18/2009 6:20:00 PM
periko$50.00$50.0011/18/2009 10:45:33 PM
reflective-rupee$250.00$250.0011/19/2009 10:10:04 PM
reflective-rupee$180.00$180.0011/20/2009 9:09:48 AM
reflective-rupee$25.00$25.0011/20/2009 9:51:55 AM
reflective-rupee$25.00$25.0011/20/2009 9:52:10 AM
LAKETIME$25.00$25.0011/20/2009 1:08:25 PM
DasMula$250.00$250.0011/20/2009 3:28:39 PM
DasMula$500.00$500.0011/20/2009 4:09:42 PM
gold-cluster$100.00$100.0011/20/2009 9:37:06 PM
reflective-rupee$200.00$200.0011/21/2009 11:23:43 AM
moola-master$50.00$50.0011/22/2009 11:49:59 PM
unk1911$25.00$25.0011/23/2009 9:35:43 AM
honorable-yield$25.00$25.0011/23/2009 7:56:35 AM
Bob450$25.00$25.0011/22/2009 5:39:26 PM
stable-commitment2$25.00$25.0011/23/2009 4:42:50 PM
Peterman$50.00$50.0011/23/2009 7:58:39 PM
p2p-gala$25.00$25.0011/23/2009 6:25:17 PM
48 bids
 
Borrower Payment Dependent Notes Series 433883
This series of Notes was issued and sold upon the funding of the borrower loan #39681, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $125.08
Final lender yield: 26.99% Final borrower rate/APR: 27.99% / 30.34% Final monthly payment: $115.80
 
Auction yield range: 8.29% - 33.00% Estimated loss impact: 8.65%  
Lender servicing fee: 1.00% Estimated return: 18.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-1988 Debt/Income ratio: 16%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 30Length of status:20y 5m
Amount delinquent: $4,495 Revolving credit balance: $14,904 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: radiant-vigilance 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
Attny Fees to collect 100K judgment
Purpose of loan:
This loan will be used to pay attorney fees.? I sold?a side business?in June of 2006 with a structured buy-out? to?be paid over a four year time period.? Two years into the agreement, the buyer stopped making payments and hasn't paid me a dime since.? After two years of legal red tape, I have finally been awarded a judgement against the buyer of over $102,000.00.? In order for my attorney to begin the process of collecting on this judgement, I need to pay the remaining legal fees.???

My financial situation:
I am a good candidate for this loan because? Up until two years ago my credit rating was ALWAYS in the high 700's.? Because the buyer of my side business stopped making the payments but still left me with the business debt, my credit score has?been?dramatically effected.? I am a Vice-President of a large insurance agency with multiple locations.? My base salary is $78,000.00 with large year-end bonus potential.

Monthly net income: $ 6,000

Monthly expenses: $ 4,585
??Housing: $ 2,400.00
??Insurance: $ 35.00
??Car expenses: $ 550.00
??Utilities: $ 225.00
??Phone, cable, internet: $125.00
??Food, entertainment: $400.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $600.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Does the party that you have the judgment against have liquid assets (or other assets, such as a house or car without debt already against it) that you can collect against? thanks and best wishes. - reflective-rupee
A: They own a business with a cash flow but not many assets without a current lien on it. The collection of the judgment will have to be a monthly payment over certain period of time. (Nov-20-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flyinhawaiian$50.00$50.0011/17/2009 5:10:28 PM
reflective-rupee$25.00$25.0011/17/2009 5:23:37 PM
robot777$40.00$40.0011/17/2009 5:14:46 PM
bdruss$25.00$25.0011/17/2009 5:20:28 PM
Eloise62$75.00$75.0011/18/2009 7:19:22 AM
tntmojave$25.00$25.0011/19/2009 10:55:39 AM
mikeyp411$32.98$32.9811/19/2009 7:16:56 PM
penny-surgeon$25.00$25.0011/20/2009 10:42:27 AM
liquid-lender$25.04$25.0411/20/2009 12:47:31 PM
tnjohnso$25.00$25.0011/20/2009 5:03:06 PM
reflective-rupee$25.00$25.0011/20/2009 5:03:55 PM
Syzygy$25.00$25.0011/20/2009 11:22:26 PM
SDD123$25.00$25.0011/20/2009 10:57:31 PM
dkhonda$75.00$75.0011/22/2009 1:55:21 PM
FinDoc$25.00$25.0011/23/2009 5:19:24 PM
puyanera$25.00$25.0011/23/2009 5:17:37 PM
loss-of-control$50.00$50.0011/23/2009 6:36:50 PM
carmat60$25.00$25.0011/23/2009 11:22:04 PM
ogham$25.00$25.0011/24/2009 9:01:03 AM
credit-coach118$25.00$25.0011/24/2009 12:14:20 PM
wild-orange$100.00$100.0011/24/2009 3:17:04 PM
wild_carrot$25.00$25.0011/24/2009 3:32:38 PM
leverage-monger$500.00$425.3511/24/2009 4:15:32 PM
leverage-monger$200.00$200.0011/24/2009 5:03:17 PM
quest0$25.00$25.0011/24/2009 5:06:06 PM
leverage-monger$200.00$200.0011/24/2009 5:06:57 PM
cbz$25.00$25.0011/17/2009 5:12:51 PM
jpf27$100.00$100.0011/18/2009 7:18:34 AM
building_community$25.00$25.0011/20/2009 9:48:17 AM
genuine-money3$50.00$50.0011/20/2009 11:26:18 AM
Syzygy$25.00$25.0011/20/2009 11:21:57 PM
jdwb50$25.00$25.0011/22/2009 8:55:36 AM
stuy1998$30.00$30.0011/22/2009 8:50:31 AM
wwwUniversal$25.00$25.0011/23/2009 3:42:40 PM
canterburykid$75.00$75.0011/23/2009 9:46:54 PM
poormanenterprises$38.00$38.0011/24/2009 9:35:59 AM
andrewgl$25.00$25.0011/24/2009 2:10:42 PM
Ven58$25.00$25.0011/24/2009 3:08:08 PM
just-trade0$36.00$36.0011/24/2009 3:45:36 PM
leverage-monger$400.00$400.0011/24/2009 5:05:15 PM
RecoveryLender$58.48$58.4811/24/2009 5:06:14 PM
revenue-appraiser$60.00$60.0011/24/2009 5:07:29 PM
shrewd-income$100.00$100.0011/24/2009 5:01:11 PM
Engineer44$29.15$29.1511/24/2009 5:09:26 PM
44 bids
 
Borrower Payment Dependent Notes Series 433929
This series of Notes was issued and sold upon the funding of the borrower loan #39781, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-17-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $196.26
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $194.73
 
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: 9 First credit line: Dec-1998 Debt/Income ratio: 20%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:4y 11m
Amount delinquent: $0 Revolving credit balance: $5,094 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 11%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: helidude Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating some medical bills
Purpose of loan:
This loan will be used to? Consolidate a few bills (Medical and Dental) that I have outstanding. I have been paying on time every month but, just would like to consolidate them.

My financial situation:
I am a good candidate for this loan because?I pay my obligations, simple as that. My credit score was somewhere between 750-775 the last time I checked. I have decided to come to Prosper instead of just consolidating it on a credit card or a line of credit. I do have available lines of credit but, I just don't like the terms that the banks give. Balance transfer fees, two tiered interest, etc. I live within my means and don't feel the need to have the latest and greatest.

I work for a good company and currently working on my Bachelors degree in Computer Science and always working towards some kind of computer certification. I have been with my company for almost 6 years.

My current expenses per month that I currently pay are below that I track at Buxfer.com. The loan would cover the medical bill so I that would drop off when I get the loan. Any questions please feel free to ask. I just wanted to see what Prosper is all about and give it a shot. If you have any questions for me then please email me and I will answer your questions.

Rent $500
Electric $120
Cable/TV $100
Car Payment $425
Insurance $85
Water $45
Food $200
Medical Bills $425
Cell Phone - Nope ! Prepay ! lol
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)
DonaldColorado$25.00$25.0011/17/2009 5:11:12 PM
baroo$25.00$25.0011/17/2009 5:11:22 PM
antlr$25.00$25.0011/17/2009 5:14:06 PM
hard-working-loot$25.00$25.0011/17/2009 5:14:10 PM
cash-boots$30.00$30.0011/17/2009 5:15:41 PM
sharkm$25.00$25.0011/17/2009 5:16:08 PM
E_G$50.00$50.0011/17/2009 5:16:15 PM
leodaguy$25.00$25.0011/17/2009 5:15:56 PM
gracej$25.00$25.0011/17/2009 5:19:57 PM
greenbackologist$25.00$25.0011/17/2009 5:20:10 PM
Walkingcowboy$25.00$25.0011/17/2009 5:19:58 PM
trident9$50.00$50.0011/17/2009 5:20:02 PM
bonus-patriot$25.00$25.0011/17/2009 5:20:44 PM
economy-balance$25.00$25.0011/17/2009 5:21:08 PM
five-star-justice$36.00$36.0011/17/2009 5:21:00 PM
evnagelist$50.00$50.0011/17/2009 5:22:42 PM
newbietony$40.00$40.0011/17/2009 5:22:51 PM
tolstoy00$25.00$25.0011/17/2009 5:23:23 PM
magical-greenback$55.00$55.0011/17/2009 5:24:11 PM
don8ter$60.00$60.0011/17/2009 5:24:59 PM
Klearwater_Pools$25.00$25.0011/17/2009 5:25:12 PM
orange-courageous-dedication$40.00$40.0011/17/2009 5:26:22 PM
amit_gu$50.00$50.0011/17/2009 5:26:55 PM
aldenrains$25.00$25.0011/17/2009 5:27:51 PM
dionysus03$25.00$25.0011/17/2009 5:29:07 PM
credit-investor5$50.00$50.0011/17/2009 5:29:21 PM
credit-coach118$35.00$35.0011/17/2009 5:29:58 PM
jd006006$50.00$50.0011/17/2009 5:30:50 PM
bigdogsafety1$25.00$25.0011/17/2009 5:30:58 PM
GOPHERBOY$65.00$65.0011/17/2009 5:31:22 PM
lloyd_s$25.00$25.0011/17/2009 5:14:58 PM
jh157765$25.00$25.0011/17/2009 5:35:34 PM
marketrateinvestor$25.00$25.0011/17/2009 5:35:48 PM
highcountry1$25.00$25.0011/17/2009 5:45:45 PM
RochelleW$50.00$50.0011/17/2009 6:45:04 PM
DukSerduk$25.00$25.0011/17/2009 7:07:29 PM
Weaverville$25.00$25.0011/17/2009 5:19:44 PM
justice-dna$35.00$35.0011/17/2009 5:20:08 PM
thedoctor$40.00$40.0011/17/2009 5:20:16 PM
Mojo1$45.00$45.0011/17/2009 11:50:41 PM
unk1911$25.00$25.0011/18/2009 3:58:00 AM
Zarf$50.00$50.0011/17/2009 5:22:44 PM
AF-Chief$35.00$35.0011/17/2009 5:23:42 PM
Mr_Marcus$50.00$50.0011/17/2009 5:24:17 PM
mikeandcat$50.00$50.0011/17/2009 5:24:21 PM
Syzygy$25.00$25.0011/18/2009 8:09:34 AM
DadWarbucks$25.00$25.0011/17/2009 5:25:19 PM
Steveoo1$25.00$25.0011/17/2009 5:25:27 PM
ljay$25.00$25.0011/17/2009 5:25:32 PM
BankOfFrankFairness$50.00$50.0011/17/2009 5:25:44 PM
gethsemane4$25.00$25.0011/17/2009 5:25:59 PM
steves73$25.00$25.0011/17/2009 5:26:18 PM
truth-prospector$25.00$25.0011/17/2009 5:27:09 PM
best-decisive-peace$25.00$25.0011/17/2009 5:27:25 PM
Artist_Blue$25.00$25.0011/17/2009 5:27:44 PM
money-explorer3$25.00$25.0011/17/2009 5:28:33 PM
jla720$25.00$25.0011/17/2009 5:28:39 PM
rakstar$50.00$50.0011/17/2009 5:29:12 PM
neenerman$25.25$25.2511/18/2009 10:28:47 AM
kenji4861$50.00$50.0011/17/2009 5:31:56 PM
scoobiedoo$25.00$25.0011/17/2009 5:31:59 PM
epwait56$25.00$25.0011/17/2009 5:35:33 PM
wise-agile-investment$25.00$19.5711/17/2009 7:15:16 PM
GeoLender$25.00$25.0011/17/2009 7:35:52 PM
nerd2fly$25.00$25.0011/21/2009 9:47:06 PM
julijask$25.00$25.0011/23/2009 10:52:02 AM
Astyanax$25.00$25.0011/23/2009 10:25:08 AM
wwwUniversal$25.00$25.0011/23/2009 3:42:41 PM
OGS_Capital$25.00$25.0011/23/2009 6:58:06 AM
Patrician$100.00$100.0011/23/2009 3:21:30 PM
loss-of-control$100.00$100.0011/23/2009 5:25:37 PM
RIVERBEND$97.00$97.0011/23/2009 5:37:38 PM
mysapphire$50.00$50.0011/23/2009 8:28:49 PM
lanky$25.00$25.0011/23/2009 9:44:22 PM
serene-capital$25.00$25.0011/24/2009 1:47:44 AM
kulender$100.00$100.0011/24/2009 7:31:51 AM
PotBellyPete$75.00$75.0011/24/2009 8:24:44 AM
Dollars4Rent$25.00$25.0011/24/2009 11:20:07 AM
impartial-deal$50.00$50.0011/24/2009 12:05:08 PM
wild-orange$200.00$200.0011/24/2009 3:23:52 PM
dmk2006$25.00$25.0011/24/2009 4:10:23 PM
stockcop$50.00$50.0011/24/2009 5:09:26 PM
wrighco$25.00$25.0011/17/2009 5:13:43 PM
lucrative-worth$25.00$25.0011/17/2009 5:13:46 PM
emo13$50.00$50.0011/17/2009 5:13:49 PM
TakeCare$100.00$100.0011/17/2009 5:13:52 PM
zoomdrm57$50.00$50.0011/17/2009 5:14:13 PM
repayment-chef$25.00$25.0011/17/2009 5:14:22 PM
Goodlender42$25.00$25.0011/17/2009 5:14:30 PM
Cai8899$75.00$75.0011/17/2009 5:14:53 PM
the_winning_ticket$35.00$35.0011/17/2009 5:15:58 PM
burgeoning-silver$25.00$25.0011/17/2009 5:16:21 PM
Attract$25.00$25.0011/17/2009 5:19:30 PM
bchen78875$50.00$50.0011/17/2009 5:19:50 PM
BlindProphet$25.00$25.0011/17/2009 5:19:53 PM
personal-lender$25.00$25.0011/17/2009 5:19:42 PM
neighborly-hope6$100.00$100.0011/17/2009 5:20:05 PM
rmachi$25.00$25.0011/17/2009 5:20:20 PM
five-star-note$25.00$25.0011/17/2009 5:20:54 PM
GElender$50.00$50.0011/17/2009 5:20:43 PM
888168$50.00$50.0011/17/2009 5:21:44 PM
the-money-gargantuan$25.00$25.0011/17/2009 5:23:01 PM
Havana21$50.00$50.0011/17/2009 5:22:53 PM
anton$50.00$50.0011/17/2009 5:24:33 PM
Speculator$25.00$25.0011/17/2009 5:24:41 PM
trade-doughnut5$25.00$25.0011/17/2009 5:25:04 PM
kulender$25.00$25.0011/17/2009 5:25:08 PM
crenen139$100.00$100.0011/17/2009 5:26:10 PM
syounker$25.00$25.0011/17/2009 5:28:24 PM
sidney102$25.00$25.0011/17/2009 5:13:01 PM
SunsetCoastCapital$25.00$25.0011/17/2009 5:30:45 PM
pragmatic-camaraderi$25.00$25.0011/17/2009 5:30:48 PM
miked8303$25.00$25.0011/17/2009 5:13:56 PM
gizzywump$25.00$25.0011/17/2009 5:14:01 PM
kanakakm$50.00$50.0011/17/2009 5:30:49 PM
first-wampum-trapper$25.00$25.0011/17/2009 5:14:16 PM
MoneyU4IA$40.00$40.0011/17/2009 5:14:19 PM
Banker7371$25.00$25.0011/17/2009 5:14:35 PM
Topaz_John$41.44$41.4411/17/2009 5:35:49 PM
ytjameslee$50.00$50.0011/17/2009 5:31:57 PM
lend_to_you$50.00$50.0011/17/2009 5:15:49 PM
wise-cash-keeper$50.00$50.0011/17/2009 6:36:20 PM
desertoasis$36.98$36.9811/17/2009 6:55:11 PM
a-responsible-return$25.00$25.0011/17/2009 5:19:35 PM
tallmon$25.00$25.0011/17/2009 5:21:47 PM
mamayama$25.00$25.0011/17/2009 5:25:21 PM
revenue-sniffer$25.00$25.0011/17/2009 5:25:55 PM
allieoomp$25.00$25.0011/17/2009 5:26:19 PM
honorable-yield$75.00$75.0011/17/2009 5:27:21 PM
fair-funds$25.00$25.0011/17/2009 5:27:34 PM
Hogpilot$25.00$25.0011/17/2009 5:29:04 PM
UncleSafety$88.76$88.7611/20/2009 9:19:55 AM
JDLanier$25.00$25.0011/21/2009 9:19:24 AM
availableloan$25.00$25.0011/20/2009 8:46:57 PM
patriot384$100.00$100.0011/22/2009 5:19:17 PM
StocksMan$50.00$50.0011/23/2009 10:47:07 AM
aurorafinancial$50.00$50.0011/23/2009 12:41:54 PM
Share-the-wealth$100.00$100.0011/23/2009 6:57:31 AM
beachfunder$25.00$25.0011/23/2009 4:31:23 PM
elegant-bonus$25.00$25.0011/23/2009 4:39:53 PM
RandyL3$25.00$25.0011/23/2009 4:44:45 PM
1SteelerFan$25.00$25.0011/23/2009 5:21:29 PM
loss-of-control$100.00$100.0011/23/2009 7:08:38 PM
JCMC$25.00$25.0011/23/2009 6:57:15 PM
jfreaksho$25.00$25.0011/24/2009 4:18:36 AM
JerryB96$25.00$25.0011/24/2009 5:37:58 AM
evamkir$25.00$25.0011/24/2009 10:43:56 AM
the-profit-oracle$25.00$25.0011/24/2009 10:58:42 AM
jybank$25.00$25.0011/24/2009 10:57:03 AM
colorfulgardener$50.00$50.0011/24/2009 1:54:46 PM
innovator2$50.00$50.0011/24/2009 3:51:31 PM
prudent-gain7$50.00$50.0011/24/2009 4:45:54 PM
152 bids
 
Borrower Payment Dependent Notes Series 434035
This series of Notes was issued and sold upon the funding of the borrower loan #39702, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 20.17% Starting borrower rate/APR: 21.17% / 23.68% Starting monthly payment: $56.64
Final lender yield: 17.70% Final borrower rate/APR: 18.70% / 21.17% Final monthly payment: $54.76
 
Auction yield range: 8.29% - 20.17% Estimated loss impact: 6.91%  
Lender servicing fee: 1.00% Estimated return: 10.79%  
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-1997 Debt/Income ratio: 23%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:7y 11m
Amount delinquent: $0 Revolving credit balance: $12,320 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: enthralling-loan Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to make home repairs.

My financial situation:
I am a good candidate for this loan because I have always paid my bills on time.? I carry a balance on credit card but always make the payments on time.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bank_Of_XL$100.00$100.0011/23/2009 1:15:08 PM
wwwUniversal$25.00$25.0011/24/2009 5:07:25 PM
LarWit1512$25.00$25.0011/24/2009 5:12:21 PM
carrinel$50.00$50.0011/24/2009 5:35:41 PM
amor1962$25.00$25.0011/24/2009 7:20:53 PM
bst$60.00$60.0011/24/2009 8:03:02 PM
eboomer2611$25.00$25.0011/25/2009 5:50:45 AM
PotBellyPete$75.00$19.6311/25/2009 8:02:25 AM
credit-coach118$25.00$25.0011/25/2009 9:37:04 AM
Syzygy$25.00$25.0011/25/2009 12:04:35 PM
SolarMoonshine$25.00$25.0011/25/2009 12:51:33 PM
fireferd$69.40$69.4011/25/2009 2:16:35 PM
icon7$25.00$25.0011/25/2009 3:19:32 PM
dorypro$25.00$25.0011/25/2009 2:26:37 PM
caseattle$25.00$25.0011/25/2009 3:49:26 PM
wild-orange$100.00$100.0011/25/2009 3:52:10 PM
hellasow$25.00$25.0011/20/2009 2:04:17 AM
boredlv$25.00$25.0011/20/2009 9:11:53 AM
sbv1689$25.00$25.0011/22/2009 10:56:32 AM
BankofRon$25.00$25.0011/24/2009 2:37:48 PM
shrewd-income$25.00$25.0011/24/2009 5:04:22 PM
IPG1$25.00$25.0011/24/2009 5:12:05 PM
fiserve4u$50.00$50.0011/24/2009 5:43:48 PM
transaction-animal8$25.00$25.0011/24/2009 5:27:26 PM
MoneyTree79$25.00$25.0011/24/2009 6:14:47 PM
glenium$25.00$25.0011/25/2009 4:27:24 AM
ryan6853$25.00$25.0011/25/2009 11:15:51 AM
jhjoe$25.00$25.0011/25/2009 11:52:14 AM
jybank$25.00$25.0011/25/2009 11:53:09 AM
Johnab$25.00$25.0011/25/2009 1:15:07 PM
nickel-pipeline$25.97$25.9711/25/2009 1:37:50 PM
wild-orange$100.00$100.0011/25/2009 3:45:18 PM
wild-orange$100.00$100.0011/25/2009 3:51:11 PM
TakeCare$25.00$25.0011/25/2009 3:15:38 PM
wild-orange$100.00$100.0011/25/2009 3:51:44 PM
wild-orange$100.00$100.0011/25/2009 3:45:52 PM
professional-finance$25.00$25.0011/25/2009 3:54:08 PM
37 bids
 
Borrower Payment Dependent Notes Series 434071
This series of Notes was issued and sold upon the funding of the borrower loan #39786, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.46% Starting monthly payment: $54.23
Final lender yield: 9.60% Final borrower rate/APR: 10.60% / 12.95% Final monthly payment: $48.82
 
Auction yield range: 4.29% - 17.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Sep-1993 Debt/Income ratio: 50%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 5 / 3Employment status:Retired
Now delinquent: 0 Total credit lines: 18Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $15,755Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: leverage-tomahawk Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
2 months living expenses
Purpose of loan:
This loan will be used to?
2 months living expenses
My financial situation:
I am a good candidate for this loan because? starting in 2010 my monthly income will be about $2,800 per month from retirement account plus part time work.
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)
ManhattanLender$25.00$25.0011/24/2009 5:22:38 PM
rsigroup3$25.00$25.0011/25/2009 9:31:05 AM
brightest-economy-tsunami$25.00$25.0011/25/2009 2:50:47 PM
wild-orange$100.00$100.0011/25/2009 3:58:22 PM
TakeCare$100.00$59.0011/25/2009 3:54:42 PM
leverage-monger$1,000.00$1,000.0011/25/2009 3:57:48 PM
wild-orange$100.00$100.0011/25/2009 3:46:33 PM
wild-orange$100.00$100.0011/25/2009 3:46:55 PM
patriot384$66.00$66.0011/25/2009 3:55:32 PM
9 bids
 
Borrower Payment Dependent Notes Series 434083
This series of Notes was issued and sold upon the funding of the borrower loan #39700, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-25-2009 
 
Starting lender yield: 10.94% Starting borrower rate/APR: 11.94% / 14.07% Starting monthly payment: $265.49
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $263.43
 
Auction yield range: 4.29% - 10.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1998 Debt/Income ratio: 27%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 15 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $30,999 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: organic-transaction4 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
furniture/debt
Purpose of loan:
This loan will be used to? purchase new furniture and pay off some debt.

My financial situation:
I am a good candidate for this loan because? I never default on my loans I will pay back as promised!
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 your occupation. - exciting-fairness
A: I am a casino game dealer. Of course, my salary is the state minimum of $7.00 plus tips range an average of $11.00 to $20.00. However, due to current economic situation, my tips has dropped as expected to approximately $11.00 to $16.00. In total, my hourly wage is between $18.00 to $23.00 dollars. Currently, I am attending school partime; and as a result, I occasionally reduce my work hours to satify my need to fullfil school works. (Nov-18-2009)
Q: Please provide your take home pay and list of all monthly expenses. Thanks. - exciting-fairness
A: Take home weekly pay of $500.00 (35hrs-38hrs) Monthly: $2000.00 Mortgage: $1350.00, My share: $650.00 Credit cards: $300.00 Transportation fuel: $130.00 Food: $300.00 Misc: $200.00 (Nov-18-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Kerrysbay$25.00$25.0011/18/2009 3:59:54 PM
hard-working-loot$25.00$25.0011/18/2009 4:00:29 PM
lucrative-worth$25.00$25.0011/18/2009 4:02:43 PM
zoomdrm57$50.00$50.0011/18/2009 4:03:07 PM
Goodlender42$25.00$25.0011/18/2009 4:03:24 PM
CallMeBen$25.00$25.0011/18/2009 4:03:35 PM
leodaguy$25.00$25.0011/18/2009 4:04:37 PM
E_G$30.00$30.0011/18/2009 4:04:52 PM
tallmon$25.00$25.0011/18/2009 4:04:31 PM
newbietony$25.00$25.0011/18/2009 4:04:46 PM
brother_tam$50.00$50.0011/18/2009 4:05:26 PM
burgeoning-silver$25.00$25.0011/18/2009 4:04:57 PM
mikrolown$25.00$25.0011/18/2009 4:05:37 PM
transaction-axis$25.00$25.0011/18/2009 4:05:04 PM
charming-point$50.00$50.0011/18/2009 4:05:43 PM
payout-achievement$40.00$40.0011/18/2009 4:06:01 PM
EnigmaNYC-29$25.00$25.0011/18/2009 4:06:03 PM
Havana21$50.00$50.0011/18/2009 4:06:12 PM
czar3$30.00$30.0011/18/2009 4:06:17 PM
currency-cigar4$25.00$25.0011/18/2009 4:05:45 PM
rolandweary$40.00$40.0011/18/2009 4:06:25 PM
bchen78875$25.00$25.0011/18/2009 4:06:49 PM
techvet$25.00$25.0011/18/2009 4:06:55 PM
youqianderen$50.00$50.0011/18/2009 4:07:06 PM
personal-lender$25.00$25.0011/18/2009 4:06:19 PM
SNH$50.00$50.0011/18/2009 4:06:22 PM
yield-lion$25.00$25.0011/18/2009 4:06:35 PM
benefit-squirrel$30.00$30.0011/18/2009 4:07:30 PM
wiltonbound$25.00$25.0011/18/2009 4:07:35 PM
lagnisiruk$25.00$25.0011/18/2009 4:07:43 PM
jeg3k$25.00$25.0011/18/2009 4:06:59 PM
ThomasCrown$30.00$30.0011/18/2009 4:07:18 PM
Attract$25.00$25.0011/18/2009 4:07:47 PM
GElender$50.00$50.0011/18/2009 4:08:55 PM
neighborly-hope6$100.00$100.0011/18/2009 4:08:27 PM
enthusiastic-balance5$100.00$100.0011/18/2009 4:09:44 PM
shrewd-deal$25.00$25.0011/18/2009 4:08:35 PM
harperpotok$100.00$100.0011/18/2009 4:09:54 PM
evnagelist$50.00$50.0011/18/2009 4:10:38 PM
digitalrinaldo$25.00$25.0011/18/2009 4:11:06 PM
magical-greenback$55.00$55.0011/18/2009 4:11:22 PM
Klearwater_Pools$25.00$25.0011/18/2009 4:11:59 PM
DadWarbucks$25.00$25.0011/18/2009 4:12:02 PM
Zarf$50.00$50.0011/18/2009 4:10:43 PM
bradny$25.00$25.0011/18/2009 4:10:47 PM
ljay$25.00$25.0011/18/2009 4:12:19 PM
Mr_Marcus$50.00$50.0011/18/2009 4:11:25 PM
Palacios$50.00$50.0011/18/2009 4:12:52 PM
Kansas$25.00$3.5111/18/2009 4:12:56 PM
liederhaus$50.00$50.0011/18/2009 4:45:18 PM
fortytwo$38.68$38.6811/18/2009 4:01:28 PM
mikeandcat$25.96$25.9611/18/2009 4:02:08 PM
desertoasis$25.00$25.0011/18/2009 4:02:23 PM
gizzywump$25.00$25.0011/18/2009 4:02:59 PM
repayment-chef$25.00$25.0011/18/2009 4:03:18 PM
lloyd_s$25.00$25.0011/18/2009 4:03:46 PM
Diamond_Jim$25.00$25.0011/18/2009 4:03:55 PM
Artist_Blue$25.00$25.0011/18/2009 4:05:17 PM
Interstate_Rate$500.00$500.0011/18/2009 4:05:22 PM
Frenchynh$25.00$25.0011/18/2009 4:05:47 PM
rmachi$25.00$25.0011/18/2009 4:05:53 PM
museic1$50.00$50.0011/18/2009 4:06:27 PM
RetiredATC$25.00$25.0011/18/2009 4:06:43 PM
Dunndeal4u$25.00$25.0011/18/2009 4:07:12 PM
andyb9$25.00$25.0011/18/2009 4:07:32 PM
dignified-finance$25.00$25.0011/18/2009 4:08:52 PM
economy-balance$25.00$25.0011/18/2009 4:09:12 PM
VBAces$50.00$50.0011/18/2009 4:09:42 PM
888168$50.00$50.0011/18/2009 4:09:52 PM
efficient-bid2$25.00$25.0011/18/2009 4:10:32 PM
hyetech$35.00$35.0011/18/2009 4:10:54 PM
silver-armada$100.00$100.0011/18/2009 4:11:00 PM
trade-doughnut5$25.00$25.0011/18/2009 4:11:53 PM
kulender$25.00$25.0011/18/2009 4:11:56 PM
BankOfFrankFairness$50.00$50.0011/18/2009 4:12:27 PM
LAKESPRING$25.00$25.0011/18/2009 4:12:30 PM
gethsemane4$25.00$25.0011/18/2009 4:12:38 PM
unk1911$25.00$25.0011/19/2009 6:04:55 AM
bomdel$25.00$25.0011/20/2009 5:01:20 PM
JCMC$25.00$25.0011/20/2009 4:07:25 PM
outofoffice$50.00$50.0011/22/2009 3:12:02 PM
interstellar$29.98$29.9811/22/2009 2:18:26 AM
wwwUniversal$25.00$25.0011/23/2009 3:42:45 PM
orbiter614$50.00$50.0011/23/2009 3:20:35 PM
loss-of-control$100.00$100.0011/23/2009 5:37:50 PM
buffalobills$25.00$25.0011/24/2009 8:16:02 AM
the-profit-oracle$25.00$25.0011/24/2009 10:59:25 AM
Patrician$100.00$100.0011/24/2009 11:29:03 AM
ManhattanLender$25.00$25.0011/24/2009 5:22:40 PM
indomart$25.00$25.0011/24/2009 11:39:31 PM
elegant-bonus$50.00$50.0011/25/2009 4:47:57 AM
fairness-swashbuckler$50.00$50.0011/25/2009 10:48:30 AM
organic-platinum$25.00$25.0011/25/2009 11:45:47 AM
371millwood$100.00$100.0011/25/2009 11:04:42 AM
evamkir$25.00$25.0011/25/2009 11:40:52 AM
blindtaxidriver$25.00$25.0011/25/2009 12:22:16 PM
leverage-monger$100.00$100.0011/25/2009 3:46:04 PM
GO4NY23$25.00$25.0011/25/2009 3:47:56 PM
caseattle$25.00$25.0011/25/2009 3:53:05 PM
innovator2$106.92$106.9211/25/2009 3:53:50 PM
booksleuth$50.00$50.0011/18/2009 4:00:34 PM
Weaverville$25.00$25.0011/18/2009 4:02:02 PM
AF-Chief$35.00$35.0011/18/2009 4:00:46 PM
Sefotonga$25.00$25.0011/18/2009 4:01:06 PM
roto$25.00$25.0011/18/2009 4:02:34 PM
wrighco$25.00$25.0011/18/2009 4:02:39 PM
sidney102$25.00$25.0011/18/2009 4:02:27 PM
first-wampum-trapper$25.00$25.0011/18/2009 4:03:12 PM
five-star-note$25.00$25.0011/18/2009 4:02:32 PM
TakeCare$100.00$100.0011/18/2009 4:02:51 PM
Cai8899$75.00$75.0011/18/2009 4:03:41 PM
antlr$25.00$25.0011/18/2009 4:03:02 PM
iolaire$25.00$25.0011/18/2009 4:03:50 PM
MoneyU4IA$40.00$40.0011/18/2009 4:03:14 PM
Banker7371$25.00$25.0011/18/2009 4:03:30 PM
tremendous-payment$25.00$25.0011/18/2009 4:05:07 PM
lend_to_you$50.00$50.0011/18/2009 4:04:33 PM
Heatguy$75.00$75.0011/18/2009 4:05:40 PM
CASHGIRL$75.00$75.0011/18/2009 4:05:10 PM
Lightlife$50.00$50.0011/18/2009 4:05:51 PM
credit-kahuna$100.00$100.0011/18/2009 4:05:55 PM
biobulator$25.00$25.0011/18/2009 4:05:20 PM
justice-dna$25.00$25.0011/18/2009 4:05:58 PM
CarDealer3070$25.00$25.0011/18/2009 4:06:05 PM
gracej$25.00$25.0011/18/2009 4:06:15 PM
WalnutCreekguy$33.00$33.0011/18/2009 4:06:52 PM
socialbanker$25.00$25.0011/18/2009 4:07:02 PM
wayman$50.00$50.0011/18/2009 4:07:25 PM
financial-frenzy$50.00$50.0011/18/2009 4:07:41 PM
poeman$25.00$25.0011/18/2009 4:07:09 PM
BlindProphet$25.00$25.0011/18/2009 4:08:13 PM
xstreamin$25.00$25.0011/18/2009 4:07:15 PM
Walkingcowboy$25.00$25.0011/18/2009 4:08:19 PM
Dutchhunter$25.00$25.0011/18/2009 4:07:22 PM
trident9$50.00$50.0011/18/2009 4:08:23 PM
thedoctor$40.00$40.0011/18/2009 4:08:38 PM
hitsman$50.00$50.0011/18/2009 4:07:45 PM
bonus-patriot$25.00$25.0011/18/2009 4:08:56 PM
JohnGalt94$25.00$25.0011/18/2009 4:09:03 PM
slartibardfast$25.00$25.0011/18/2009 4:09:38 PM
greenbackologist$25.00$25.0011/18/2009 4:08:32 PM
five-star-justice$36.00$36.0011/18/2009 4:09:04 PM
syounker$25.00$25.0011/18/2009 4:09:59 PM
don8ter$25.00$25.0011/18/2009 4:11:47 PM
mamayama$25.00$25.0011/18/2009 4:12:06 PM
vkorichkov$30.00$30.0011/18/2009 4:12:14 PM
laudable-balance$25.00$25.0011/18/2009 4:12:18 PM
asiaratt$50.00$50.0011/18/2009 4:11:08 PM
crenen139$50.00$50.0011/18/2009 4:12:50 PM
KVEER$25.00$25.0011/18/2009 4:12:32 PM
djindepth$50.00$50.0011/18/2009 4:12:34 PM
minista$25.00$25.0011/18/2009 4:17:08 PM
crazycool$35.00$35.0011/18/2009 4:00:31 PM
skuba$25.00$25.0011/18/2009 4:00:36 PM
DonaldColorado$25.00$25.0011/18/2009 4:00:38 PM
wise-spirited-nickel$25.00$25.0011/18/2009 4:00:44 PM
steves73$25.00$25.0011/18/2009 4:01:40 PM
honorable-yield$50.00$50.0011/18/2009 4:01:43 PM
cash-boots$25.00$25.0011/18/2009 4:02:36 PM
emo13$50.00$50.0011/18/2009 4:02:47 PM
miked8303$25.00$25.0011/18/2009 4:02:54 PM
the_winning_ticket$35.00$35.0011/18/2009 4:04:42 PM
sharkm$25.00$25.0011/18/2009 4:04:48 PM
value-pole$25.00$25.0011/18/2009 4:05:49 PM
wise-extraordinary-loot$30.00$30.0011/18/2009 4:06:07 PM
bonus-buddy2$35.00$35.0011/18/2009 4:06:29 PM
Clambake$50.00$50.0011/18/2009 4:06:32 PM
swoosh$25.00$25.0011/18/2009 4:06:39 PM
chicco$80.00$80.0011/18/2009 4:06:57 PM
exact-justice$25.00$25.0011/18/2009 4:07:27 PM
agwosdof$50.00$50.0011/18/2009 4:07:37 PM
a-responsible-return$25.00$25.0011/18/2009 4:07:55 PM
lendme2$50.00$50.0011/18/2009 4:09:14 PM
ryelk$25.00$25.0011/18/2009 4:10:09 PM
ekn_enterprises$25.00$25.0011/18/2009 4:10:35 PM
steady-gain5$25.00$25.0011/18/2009 4:10:58 PM
scoobiedoo$25.00$25.0011/18/2009 4:11:33 PM
Speculator$25.00$25.0011/18/2009 4:11:39 PM
thestartuplender$35.00$35.0011/18/2009 4:12:47 PM
neenerman$75.00$75.0011/20/2009 9:26:53 AM
miket71$25.60$25.6011/19/2009 7:54:44 PM
gustavholstopus32$25.00$25.0011/23/2009 7:16:30 PM
impartial-deal$25.00$25.0011/24/2009 12:14:13 PM
Ven58$25.00$25.0011/24/2009 3:08:09 PM
Montgomery-Burns$25.00$25.0011/24/2009 5:27:23 PM
MoneyTree79$30.35$30.3511/24/2009 6:16:17 PM
wealth-cloud$25.00$25.0011/24/2009 5:56:57 PM
rmpedi33$100.00$100.0011/24/2009 7:17:01 PM
jybank$25.00$25.0011/24/2009 11:15:04 PM
leverage-monger$200.00$200.0011/25/2009 8:00:39 AM
income-fortress$200.00$200.0011/25/2009 6:06:57 AM
PotBellyPete$60.00$60.0011/25/2009 8:03:51 AM
buckyhead2000$25.00$25.0011/25/2009 11:08:24 AM
Moxman125$25.00$25.0011/25/2009 2:15:36 PM
credit-coach118$25.00$25.0011/25/2009 3:37:32 PM
gothampark$25.00$25.0011/25/2009 3:34:10 PM
196 bids
 
Borrower Payment Dependent Notes Series 434105
This series of Notes was issued and sold upon the funding of the borrower loan #39730, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 20.72% Starting monthly payment: $35.65
Final lender yield: 8.55% Final borrower rate/APR: 9.55% / 13.10% Final monthly payment: $32.06
 
Auction yield range: 4.29% - 16.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-2000 Debt/Income ratio: Not calculated
Credit score: 760-779 (Nov-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $8,498 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: peso-bonaza Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Re-Investing into Prosper
Purpose of loan:
This loan will be used to?? This loan will be Re-Invested back into Prosper

My financial situation:
I am a good candidate for this loan because?This is a very low risk loan for you, I never miss a payment on anything, have a great secure job and I am going to Re-Invest the funds back into prosper. If all goes well this loan should pay for itself, I am already a lender on prosper and this is sort of a test loan so I can see things from the other side. Thank you for looking, feel free to ask any questions.
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)
SWayne2000$50.00$50.0011/19/2009 1:44:32 PM
elitedarkness$64.70$64.7011/24/2009 5:54:05 PM
indomart$50.00$50.0011/24/2009 11:38:11 PM
bambampk$25.00$25.0011/25/2009 6:28:40 PM
squarebob$50.00$50.0011/25/2009 6:57:07 PM
Lender0307$25.00$25.0011/25/2009 9:40:46 PM
understanding-benjamins$25.00$25.0011/26/2009 7:34:18 AM
crw1950$50.00$50.0011/26/2009 8:01:28 AM
jybank$100.00$100.0011/26/2009 11:19:28 AM
Gaelicman$66.00$66.0011/26/2009 12:05:29 PM
hellasow$30.00$30.0011/20/2009 2:23:40 AM
brightest-economy-tsunami$25.00$25.0011/24/2009 8:37:26 AM
fatboy888$25.00$25.0011/25/2009 6:01:25 AM
Tabster$25.00$25.0011/25/2009 7:37:56 AM
dmitriy2$25.00$25.0011/25/2009 10:23:53 AM
oldrebel$25.00$25.0011/25/2009 2:07:01 PM
kinetic-social$50.00$50.0011/25/2009 4:59:05 PM
nikkky2000$75.00$75.0011/25/2009 10:21:05 PM
favorite-commerce$25.00$25.0011/25/2009 10:42:37 PM
PalmerTheEmbalmer$30.00$30.0011/26/2009 12:17:45 AM
amor1962$25.00$25.0011/26/2009 8:07:13 AM
SNH$50.00$50.0011/26/2009 7:54:00 AM
JDLanier$25.00$25.0011/26/2009 8:35:33 AM
TakeCare$25.00$25.0011/26/2009 11:19:37 AM
MattProsper$50.00$34.3011/26/2009 12:25:32 PM
25 bids
 
Borrower Payment Dependent Notes Series 434127
This series of Notes was issued and sold upon the funding of the borrower loan #39712, 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-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 38.64% Starting monthly payment: $44.95
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 30.95% Final monthly payment: $40.83
 
Auction yield range: 11.29% - 33.50% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.35%  
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: 8 First credit line: Mar-1991 Debt/Income ratio: 11%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:11y 0m
Amount delinquent: $0 Revolving credit balance: $22,727 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 100%Stated income:$75,000-$99,999
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: balance-point0 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
Building History
Purpose of loan:
This loan will be used to build a credit history on this site, and upgrade a few tools in the process to further my property managment business. I have reached a point where my current tools, while still good, just arn't powerfull enough for the jobs they are being asked to perform.

My financial situation:
I am a good candidate for this loan because I am financially stables with several years of experience in both the property managment business and my current occupation of technical project managment which I have been at for more then 15 years.

Monthly net income: $ 9,000
? $6,500 from my full time job
??$2,500 from my part time property managment job

Monthly expenses: $ 5,100
??Housing: $1,400 (Primary home, mortgage, insurance, taxes)
??Insurance: $250 (health and life)
??Car expenses: $150 (insurance)
??Utilities: $350 (electric and water)
??Phone, cable, internet: $150
??Food, entertainment: $500
??Clothing, household expenses $600
??Credit cards and other loans: $500
??Other expenses: $1,200 (business expences including mortgages, property tax, insurance and maintanance escrow)
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)
catb$30.00$30.0011/21/2009 10:38:20 AM
vegaslender88$25.00$25.0011/23/2009 6:18:27 AM
impartial-deal$25.00$25.0011/24/2009 12:33:46 PM
seadogs$25.00$25.0011/24/2009 5:16:38 PM
fiserve4u$50.00$50.0011/24/2009 5:50:02 PM
fillholdingsllc$25.00$25.0011/24/2009 6:08:49 PM
money_player$54.10$54.1011/25/2009 5:31:16 PM
justme4now$25.00$25.0011/25/2009 5:00:13 PM
DenimCapital$25.00$25.0011/26/2009 6:47:01 AM
jybank$50.00$50.0011/26/2009 11:20:41 AM
leverage-monger$100.00$100.0011/26/2009 9:18:19 AM
IPG1$25.00$25.0011/20/2009 3:00:18 PM
forthright-dedication$25.00$25.0011/23/2009 10:07:57 AM
rakey$25.00$25.0011/24/2009 6:10:44 AM
wwwUniversal$25.00$25.0011/24/2009 10:32:05 PM
fatboy888$25.00$25.0011/25/2009 6:04:31 AM
portfolio-turbine$25.00$25.0011/25/2009 7:49:49 AM
SuperDoucheBag$25.00$25.0011/25/2009 1:47:38 PM
hardworking-treasure$25.00$25.0011/25/2009 4:06:23 PM
DonDiego$25.00$25.0011/25/2009 4:25:14 PM
nickel-pipeline$25.00$25.0011/25/2009 5:24:41 PM
goodcents$25.00$25.0011/25/2009 8:09:48 PM
the-profit-oracle$25.00$25.0011/26/2009 5:00:21 AM
DenimCapital$25.00$25.0011/26/2009 6:46:43 AM
DenimCapital$25.00$25.0011/26/2009 6:46:28 AM
TakeCare$25.00$25.0011/26/2009 11:21:51 AM
LendingHelper$137.38$137.3811/26/2009 9:08:30 AM
just-trade0$36.00$36.0011/26/2009 12:09:35 PM
efficient-principal$25.00$17.5211/26/2009 10:12:26 AM
29 bids
 
Borrower Payment Dependent Notes Series 434143
This series of Notes was issued and sold upon the funding of the borrower loan #39690, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $14,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-18-2009 
  Auction end date:  Nov-23-2009 
 
Starting lender yield: 10.55% Starting borrower rate/APR: 11.55% / 13.68% Starting monthly payment: $462.00
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $461.00
 
Auction yield range: 4.29% - 10.55% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Apr-1998 Debt/Income ratio: 22%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $6,790 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: gold-trumpeter Borrower's state: DistrictOfColumbia 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 credit card balance.? (The debt was accrued during renovations of my home, purchased in June 2008.? I thought I would be able to increase the value of the home to such a point that I could take out a low interest home equity loan, but I just miss having enough equity in the house at this point.)My financial situation:
I am a good candidate for this loan because I am a federal employee with great job security and a perfect record of paying all my bills on time.As my credit score should indicate, the reason my credit score is not 800 or above is due to the existing ratio of credit card debt to available credit. Obtaining this loan and making timely payments should put me on the path back to regaining near perfect credit. In addition, I should add that I rent out two rooms in my house for additional income ($1850/mo) to supplement my civil service pay.
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)
Kerrysbay$25.00$25.0011/18/2009 3:59:53 PM
steves73$25.00$25.0011/18/2009 4:01:41 PM
emo13$50.00$50.0011/18/2009 4:02:46 PM
desertoasis$25.00$25.0011/18/2009 4:01:51 PM
cash-boots$25.00$25.0011/18/2009 4:02:35 PM
wrighco$25.00$25.0011/18/2009 4:02:38 PM
Goodlender42$25.00$25.0011/18/2009 4:03:25 PM
lucrative-worth$25.00$25.0011/18/2009 4:02:43 PM
Banker7371$25.00$25.0011/18/2009 4:03:31 PM
gizzywump$25.00$25.0011/18/2009 4:02:58 PM
lloyd_s$25.00$25.0011/18/2009 4:03:46 PM
tallmon$25.00$25.0011/18/2009 4:04:30 PM
lend_to_you$50.00$50.0011/18/2009 4:04:32 PM
burgeoning-silver$25.00$25.0011/18/2009 4:04:56 PM
CASHGIRL$75.00$75.0011/18/2009 4:05:08 PM
leodaguy$25.00$25.0011/18/2009 4:04:36 PM
sharkm$25.00$25.0011/18/2009 4:04:48 PM
brother_tam$50.00$50.0011/18/2009 4:05:23 PM
Heatguy$75.00$75.0011/18/2009 4:05:38 PM
value-pole$25.00$25.0011/18/2009 4:05:48 PM
Lightlife$50.00$50.0011/18/2009 4:05:50 PM
Clambake$50.00$50.0011/18/2009 4:06:34 PM
justice-dna$25.00$25.0011/18/2009 4:05:56 PM
wise-extraordinary-loot$30.00$30.0011/18/2009 4:06:06 PM
exact-justice$25.00$25.0011/18/2009 4:07:28 PM
swoosh$25.00$25.0011/18/2009 4:06:37 PM
RetiredATC$25.00$25.0011/18/2009 4:06:42 PM
hitsman$50.00$50.0011/18/2009 4:07:44 PM
wayman$50.00$50.0011/18/2009 4:07:25 PM
VBAces$50.00$50.0011/18/2009 4:09:41 PM
shrewd-deal$25.00$25.0011/18/2009 4:08:34 PM
syounker$25.00$25.0011/18/2009 4:09:57 PM
dignified-finance$25.00$25.0011/18/2009 4:08:51 PM
bonus-patriot$25.00$25.0011/18/2009 4:08:56 PM
silver-armada$100.00$100.0011/18/2009 4:11:01 PM
asiaratt$50.00$50.0011/18/2009 4:11:07 PM
magical-greenback$55.00$55.0011/18/2009 4:11:21 PM
ekn_enterprises$25.00$25.0011/18/2009 4:10:34 PM
Zarf$50.00$50.0011/18/2009 4:10:42 PM
hyetech$35.00$35.0011/18/2009 4:10:52 PM
LAKESPRING$25.00$25.0011/18/2009 4:12:29 PM
djindepth$50.00$50.0011/18/2009 4:12:33 PM
Kansas$25.00$25.0011/18/2009 4:12:55 PM
don8ter$25.00$25.0011/18/2009 4:11:48 PM
Klearwater_Pools$25.00$25.0011/18/2009 4:11:58 PM
mamayama$25.00$25.0011/18/2009 4:12:04 PM
Steveoo1$25.00$25.0011/18/2009 4:12:15 PM
ljay$25.00$25.0011/18/2009 4:12:19 PM
Cheburashka$25.00$25.0011/18/2009 4:13:36 PM
orderly-loot$25.00$25.0011/18/2009 4:13:43 PM
burrito6$25.00$25.0011/18/2009 4:12:28 PM
fair-funds$25.00$25.0011/18/2009 4:13:47 PM
Palacios$50.00$50.0011/18/2009 4:12:51 PM
dionysus03$25.00$25.0011/18/2009 4:14:14 PM
rakstar$50.00$50.0011/18/2009 4:14:19 PM
Syzygy$25.00$25.0011/18/2009 4:14:31 PM
three-for-6$50.00$50.0011/18/2009 4:13:21 PM
melodious-fairness$25.00$25.0011/18/2009 4:13:26 PM
vegaslender88$25.00$25.0011/18/2009 4:15:23 PM
jmvingeorgia$25.00$25.0011/18/2009 4:15:38 PM
pleasant-basis$25.00$25.0011/18/2009 4:15:47 PM
scoobiedoo$25.00$25.0011/18/2009 4:16:16 PM
LEWK25$25.00$25.0011/18/2009 4:15:30 PM
MakoF16$50.00$50.0011/18/2009 4:16:29 PM
Trimalchio12$25.00$25.0011/18/2009 4:15:46 PM
puntme$25.00$25.0011/18/2009 4:16:12 PM
SkiFastBadly$25.00$25.0011/18/2009 4:24:30 PM
friendly-return7$25.00$25.0011/18/2009 4:29:30 PM
bid-promiser$25.00$25.0011/18/2009 4:20:14 PM
afotherg$25.00$25.0011/18/2009 4:45:30 PM
liederhaus$50.00$50.0011/18/2009 4:45:16 PM
get30inc$25.00$25.0011/18/2009 4:54:48 PM
famous-hope$25.00$25.0011/18/2009 4:49:33 PM
green-favorable-loan$25.00$25.0011/18/2009 4:54:29 PM
BuffetRocks$50.00$50.0011/18/2009 4:54:53 PM
californiakhan$25.00$25.0011/18/2009 5:39:45 PM
JoshE$25.00$25.0011/18/2009 5:39:52 PM
golden-yield$25.00$25.0011/18/2009 5:44:33 PM
AF-Chief$35.00$35.0011/18/2009 4:00:45 PM
WilliamLeeSims$25.00$25.0011/18/2009 5:49:51 PM
Topaz_John$50.00$50.0011/18/2009 5:40:02 PM
the-money-gargantuan$25.00$25.0011/18/2009 5:50:14 PM
elegant-bonus$30.15$30.1511/18/2009 5:44:34 PM
hopethisworks$25.00$25.0011/18/2009 5:50:22 PM
kunger$25.00$25.0011/18/2009 5:49:29 PM
Scoreman$28.51$28.5111/18/2009 5:49:41 PM
MONEYLENDER101$100.00$100.0011/18/2009 5:49:44 PM
transparency-giant$50.00$50.0011/18/2009 5:49:47 PM
sellbuy40$25.00$25.0011/18/2009 5:49:56 PM
kenji4861$50.00$50.0011/18/2009 5:50:13 PM
martalli$25.00$25.0011/18/2009 5:54:46 PM
roto$25.00$25.0011/18/2009 4:02:33 PM
nzlxjwek$25.00$25.0011/18/2009 5:54:47 PM
bigdees$25.00$25.0011/18/2009 5:54:56 PM
loans-for-you$25.00$25.0011/18/2009 6:14:33 PM
zoomdrm57$50.00$50.0011/18/2009 4:03:07 PM
Cai8899$75.00$75.0011/18/2009 4:03:42 PM
integrity-spilunker$25.00$25.0011/18/2009 7:04:28 PM
the-profit-worker$80.03$80.0311/18/2009 6:49:56 PM
golden-cat$25.00$25.0011/18/2009 7:04:27 PM
newbietony$25.00$25.0011/18/2009 4:04:45 PM
money-maniac$25.00$25.0011/18/2009 7:14:43 PM
biobulator$25.00$25.0011/18/2009 4:05:21 PM
mikrolown$25.00$25.0011/18/2009 4:05:36 PM
GeoLender$25.00$25.0011/18/2009 7:26:19 PM
ladyonthebay$25.00$25.0011/18/2009 7:44:24 PM
credit-kahuna$100.00$100.0011/18/2009 4:05:54 PM
SNH$50.00$50.0011/18/2009 4:06:23 PM
mad4wknds$25.00$25.0011/18/2009 8:14:58 PM
Dutchhunter$25.00$25.0011/18/2009 4:07:20 PM
o0Sparrow0o$25.00$25.0011/18/2009 8:59:31 PM
neighborly-hope6$100.00$100.0011/18/2009 4:08:26 PM
thedoctor$40.00$40.0011/18/2009 4:08:38 PM
Flux$25.00$25.0011/18/2009 10:05:05 PM
wonderous-euro$25.00$25.0011/18/2009 10:19:26 PM
economy-balance$25.00$25.0011/18/2009 4:09:12 PM
credit-force5$25.00$25.0011/18/2009 11:04:28 PM
hannum$25.00$25.0011/18/2009 10:34:27 PM
enthusiastic-balance5$100.00$100.0011/18/2009 4:09:43 PM
hope-eagle6$25.00$25.0011/19/2009 12:04:30 AM
loan-brigade6$25.00$25.0011/18/2009 10:54:38 PM
aasx1108$25.00$25.0011/18/2009 11:04:26 PM
value-pouch$25.00$25.0011/19/2009 1:50:32 AM
digitalrinaldo$25.00$25.0011/18/2009 4:11:05 PM
Mr_Marcus$50.00$50.0011/18/2009 4:11:25 PM
Speculator$25.00$25.0011/18/2009 4:11:38 PM
red-favorable-basis$25.00$25.0011/19/2009 1:45:06 AM
truth-prospector$25.00$25.0011/19/2009 1:45:31 AM
vkorichkov$30.00$30.0011/18/2009 4:12:13 PM
likeable-value$25.00$25.0011/19/2009 3:04:34 AM
laudable-balance$25.00$25.0011/18/2009 4:12:17 PM
alex189a$25.00$25.0011/19/2009 3:04:37 AM
peaceful-trade$25.00$25.0011/19/2009 5:29:27 AM
rgrtanker$25.00$25.0011/19/2009 4:05:11 AM
djs81$25.00$25.0011/19/2009 5:39:33 AM
Buffer10$100.00$100.0011/18/2009 4:13:31 PM
best-decisive-peace$25.00$25.0011/18/2009 4:13:33 PM
JohnW12$25.00$25.0011/18/2009 4:13:40 PM
powerful-velocity$25.00$25.0011/19/2009 6:04:32 AM
buddy486$25.00$25.0011/18/2009 4:14:05 PM
Fortuno_per_commodo$25.00$25.0011/19/2009 6:29:29 AM
valiant-p2p$25.00$25.0011/19/2009 6:29:35 AM
Hogpilot$25.00$25.0011/18/2009 4:14:12 PM
Tai$25.00$25.0011/19/2009 6:29:45 AM
angelinvestor01$25.00$25.0011/18/2009 4:14:15 PM
GatorBait$25.00$25.0011/19/2009 6:29:39 AM
trustu$25.00$25.0011/18/2009 4:14:22 PM
blackstar$25.00$25.0011/18/2009 4:15:27 PM
unclejaef$25.00$25.0011/19/2009 7:24:41 AM
cash-vault$25.00$25.0011/18/2009 4:15:54 PM
KailuaLender$25.00$25.0011/19/2009 7:30:52 AM
1fortheroad$25.00$25.0011/18/2009 4:17:26 PM
eighttone$25.00$25.0011/19/2009 8:04:35 AM
kazdag$50.00$50.0011/18/2009 4:49:36 PM
revenue-sniffer$25.00$25.0011/19/2009 8:10:26 AM
value-microscope$25.00$25.0011/18/2009 4:54:36 PM
credit-coach118$35.00$35.0011/18/2009 5:29:34 PM
DHolly$25.00$25.0011/19/2009 8:41:30 AM
flwah$25.00$25.0011/19/2009 8:45:49 AM
terrific-dedication$25.00$25.0011/18/2009 5:39:46 PM
reflective-rupee$25.00$25.0011/18/2009 5:44:51 PM
new-nourishing-silver$25.00$25.0011/18/2009 5:49:31 PM
loan-warrior$25.00$25.0011/18/2009 5:49:55 PM
GOPHERBOY$65.00$65.0011/18/2009 5:50:12 PM
MTLoans$25.00$25.0011/18/2009 5:50:32 PM
copperfield$25.00$25.0011/18/2009 5:51:03 PM
mmmm1982$25.00$25.0011/19/2009 9:34:35 AM
SoCalRancher$25.00$25.0011/18/2009 5:59:27 PM
just-benefit$25.00$25.0011/19/2009 9:34:34 AM
amint17$25.00$25.0011/18/2009 6:29:29 PM
minista$25.00$25.0011/18/2009 7:19:49 PM
create42xn$25.00$25.0011/18/2009 7:29:30 PM
dpfl55$25.00$25.0011/18/2009 7:40:08 PM
Ambassador$25.00$25.0011/18/2009 8:34:38 PM
Templar$25.00$25.0011/18/2009 10:34:25 PM
blue-liberty-gourd$25.00$25.0011/18/2009 11:04:29 PM
noble-revenue$25.00$25.0011/19/2009 12:26:55 PM
tolstoy00$25.00$25.0011/19/2009 1:46:31 AM
gain-rancher$25.00$25.0011/19/2009 2:02:13 AM
pleasant-dime$25.00$25.0011/19/2009 4:24:25 AM
blue-courageous-justice$25.00$25.0011/19/2009 4:45:43 AM
ClearLake$25.00$25.0011/19/2009 5:29:31 AM
generosity-neutrino$25.00$25.0011/19/2009 6:35:11 AM
rlrcstr$25.00$25.0011/19/2009 7:04:31 AM
gentle-gold$25.00$25.0011/19/2009 7:30:53 AM
jgalt$25.00$25.0011/19/2009 8:20:54 AM
LandoC1$25.00$25.0011/19/2009 8:24:32 AM
persevering$25.00$25.0011/19/2009 9:33:16 AM
rate-fluffy-bunny$25.00$25.0011/19/2009 9:34:30 AM
Moneypenny6$25.00$25.0011/19/2009 5:54:59 PM
Airthus$25.00$25.0011/19/2009 10:20:42 PM
rate-hickory$25.00$25.0011/20/2009 7:37:59 AM
UncleSafety$100.00$100.0011/20/2009 9:22:52 AM
Airbandit$31.46$31.4611/20/2009 11:13:52 AM
cu2maro$25.00$25.0011/20/2009 11:40:18 AM
orbiter614$25.00$25.0011/21/2009 9:28:11 AM
psbruce$25.00$25.0011/22/2009 8:18:20 AM
pdude$25.00$25.0011/21/2009 6:30:13 PM
lendme2$96.17$96.1711/23/2009 10:07:56 AM
hard-working-loot$25.00$25.0011/18/2009 4:00:28 PM
crazycool$35.00$35.0011/18/2009 4:00:32 PM
skuba$25.00$25.0011/18/2009 4:00:37 PM
Sefotonga$25.00$25.0011/18/2009 4:01:05 PM
wise-spirited-nickel$25.00$25.0011/18/2009 4:00:43 PM
honorable-yield$50.00$50.0011/18/2009 4:01:45 PM
miked8303$25.00$25.0011/18/2009 4:02:54 PM
repayment-chef$25.00$25.0011/18/2009 4:03:17 PM
iolaire$25.00$25.0011/18/2009 4:03:49 PM
first-wampum-trapper$25.00$25.0011/18/2009 4:03:11 PM
Diamond_Jim$25.00$25.0011/18/2009 4:03:54 PM
the_winning_ticket$35.00$35.0011/18/2009 4:04:42 PM
Interstate_Rate$500.00$500.0011/18/2009 4:05:22 PM
rmachi$25.00$25.0011/18/2009 4:05:54 PM
Artist_Blue$25.00$25.0011/18/2009 4:05:19 PM
bonus-buddy2$35.00$35.0011/18/2009 4:06:30 PM
EnigmaNYC-29$25.00$25.0011/18/2009 4:06:02 PM
CarDealer3070$25.00$25.0011/18/2009 4:06:06 PM
chicco$80.00$80.0011/18/2009 4:06:58 PM
Dunndeal4u$25.00$25.0011/18/2009 4:07:11 PM
xstreamin$25.00$25.0011/18/2009 4:07:14 PM
museic1$50.00$50.0011/18/2009 4:06:26 PM
ThomasCrown$30.00$30.0011/18/2009 4:07:17 PM
gold-disk$50.00$50.0011/18/2009 4:07:39 PM
WalnutCreekguy$33.00$33.0011/18/2009 4:06:53 PM
techvet$25.00$25.0011/18/2009 4:06:56 PM
jeg3k$25.00$25.0011/18/2009 4:07:00 PM
socialbanker$25.00$25.0011/18/2009 4:07:03 PM
youqianderen$50.00$50.0011/18/2009 4:07:07 PM
andyb9$25.00$25.0011/18/2009 4:07:31 PM
wiltonbound$25.00$25.0011/18/2009 4:07:34 PM
agwosdof$50.00$50.0011/18/2009 4:07:36 PM
lagnisiruk$25.00$25.0011/18/2009 4:07:44 PM
a-responsible-return$25.00$25.0011/18/2009 4:07:55 PM
Walkingcowboy$25.00$25.0011/18/2009 4:08:18 PM
trident9$50.00$50.0011/18/2009 4:08:23 PM
harperpotok$100.00$100.0011/18/2009 4:09:53 PM
efficient-bid2$25.00$25.0011/18/2009 4:10:31 PM
bradny$25.00$25.0011/18/2009 4:10:46 PM
888168$50.00$50.0011/18/2009 4:09:52 PM
ryelk$25.00$25.0011/18/2009 4:10:08 PM
trade-doughnut5$25.00$25.0011/18/2009 4:11:53 PM
kulender$25.00$25.0011/18/2009 4:11:55 PM
evnagelist$50.00$50.0011/18/2009 4:10:38 PM
steady-gain5$25.00$25.0011/18/2009 4:10:58 PM
KVEER$25.00$25.0011/18/2009 4:12:31 PM
mikeandcat$50.00$50.0011/18/2009 4:11:31 PM
TheGrayFox$25.00$25.0011/18/2009 4:13:15 PM
amit_gu$50.00$50.0011/18/2009 4:13:19 PM
DadWarbucks$25.00$25.0011/18/2009 4:12:02 PM
BankOfFrankFairness$50.00$50.0011/18/2009 4:12:27 PM
gethsemane4$25.00$25.0011/18/2009 4:12:39 PM
thestartuplender$35.00$35.0011/18/2009 4:12:46 PM
vcbogan$100.00$100.0011/18/2009 4:14:07 PM
freqflyer$25.00$25.0011/18/2009 4:14:43 PM
mpactlender$25.00$25.0011/18/2009 4:15:03 PM
fun2invest$25.00$25.0011/18/2009 4:14:00 PM
HAVEANICEDAY$25.00$25.0011/18/2009 4:14:03 PM
littlemonkey$25.00$25.0011/18/2009 4:14:24 PM
tom48l$25.00$25.0011/18/2009 4:14:33 PM
wise-agile-investment$25.00$25.0011/18/2009 4:14:35 PM
meteoric-asset4$25.00$25.0011/18/2009 4:14:40 PM
trade-pragmatist$25.00$25.0011/18/2009 4:15:51 PM
kanakakm$25.00$25.0011/18/2009 4:14:42 PM
MidLifeCrisis$25.00$25.0011/18/2009 4:16:04 PM
Dahlozer$25.00$25.0011/18/2009 4:16:18 PM
Brainworm$25.00$25.0011/18/2009 4:15:25 PM
doublediamond$25.00$25.0011/18/2009 4:16:46 PM
verse99$25.00$25.0011/18/2009 4:15:57 PM
lucrative-durability$75.00$75.0011/18/2009 4:16:20 PM
iLoaner$25.00$25.0011/18/2009 4:20:10 PM
wise-cash-keeper$50.00$50.0011/18/2009 4:16:42 PM
misterhobbs$25.00$25.0011/18/2009 4:24:28 PM
ytjameslee$50.00$50.0011/18/2009 4:17:16 PM
open-minded-finance1$25.00$25.0011/18/2009 4:17:29 PM
Divot$25.00$25.0011/18/2009 4:49:26 PM
Ananya$25.00$25.0011/18/2009 4:54:30 PM
Hondo$25.00$25.0011/18/2009 4:54:39 PM
fortytwo$100.00$100.0011/18/2009 4:54:49 PM
allieoomp$25.00$25.0011/18/2009 4:49:45 PM
wampum-chorus3$25.00$25.0011/18/2009 4:54:32 PM
TandyJames$25.00$25.0011/18/2009 4:54:38 PM
unk1911$25.00$25.0011/18/2009 4:54:51 PM
booksleuth$50.00$50.0011/18/2009 4:00:33 PM
asset-caballero$25.00$25.0011/18/2009 5:04:28 PM
DonaldColorado$25.00$25.0011/18/2009 4:00:38 PM
bdpres1$25.00$25.0011/18/2009 5:44:33 PM
unflappable-silver$25.00$25.0011/18/2009 5:34:40 PM
kchen486$25.00$25.0011/18/2009 5:49:57 PM
basis-mammal$25.00$25.0011/18/2009 5:39:56 PM
jd006006$50.00$50.0011/18/2009 5:50:11 PM
first-poetic-deal$25.00$25.0011/18/2009 5:44:32 PM
ojibwa$25.00$25.0011/18/2009 5:50:19 PM
Binan$25.00$25.0011/18/2009 5:50:26 PM
payout-optimizer$25.00$25.0011/18/2009 5:51:01 PM
fuzed$37.37$37.3711/18/2009 5:49:54 PM
3am-preacher$25.00$25.0011/18/2009 5:50:04 PM
Weaverville$25.00$25.0011/18/2009 4:02:01 PM
five-star-note$35.00$35.0011/18/2009 4:02:05 PM
neenerman$25.00$25.0011/18/2009 5:50:21 PM
MGS$25.00$25.0011/18/2009 5:54:48 PM
sidney102$25.00$25.0011/18/2009 4:02:27 PM
Seafirst$40.10$40.1011/18/2009 5:54:44 PM
TakeCare$100.00$100.0011/18/2009 4:02:51 PM
antlr$25.00$25.0011/18/2009 4:03:02 PM
opportunity85$25.00$25.0011/18/2009 6:24:36 PM
MoneyU4IA$40.00$40.0011/18/2009 4:03:13 PM
CallMeBen$25.00$25.0011/18/2009 4:03:35 PM
fdsguy$50.00$50.0011/18/2009 6:34:44 PM
Skeptical-one$25.00$25.0011/18/2009 6:49:26 PM
reueljw$25.00$25.0011/18/2009 7:04:24 PM
anton$50.00$50.0011/18/2009 7:16:29 PM
Breadandbutter$25.00$25.0011/18/2009 7:04:29 PM
goodhearted-basis4$25.00$25.0011/18/2009 7:19:28 PM
E_G$30.00$30.0011/18/2009 4:04:51 PM
transaction-axis$25.00$25.0011/18/2009 4:05:03 PM
tremendous-payment$25.00$25.0011/18/2009 4:05:06 PM
Octavian315$50.00$50.0011/18/2009 7:19:48 PM
charming-point$50.00$50.0011/18/2009 4:05:42 PM
currency-cigar4$25.00$25.0011/18/2009 4:05:44 PM
GeoLender$25.00$25.0011/18/2009 7:26:36 PM
payout-achievement$40.00$40.0011/18/2009 4:06:00 PM
Havana21$50.00$50.0011/18/2009 4:06:11 PM
czar3$30.00$30.0011/18/2009 4:06:16 PM
personal-lender$25.00$25.0011/18/2009 4:06:21 PM
rolandweary$40.00$40.0011/18/2009 4:06:24 PM
credit-sunshine$25.00$25.0011/18/2009 7:44:30 PM
yield-lion$25.00$25.0011/18/2009 4:06:36 PM
bchen78875$25.00$25.0011/18/2009 4:06:51 PM
benefit-squirrel$30.00$30.0011/18/2009 4:07:29 PM
financial-frenzy$50.00$50.0011/18/2009 4:07:40 PM
Attract$25.00$25.0011/18/2009 4:07:47 PM
BlindProphet$25.00$25.0011/18/2009 4:08:14 PM
gracej$25.00$25.0011/18/2009 4:08:18 PM
LendGuy$25.00$25.0011/18/2009 10:04:54 PM
greenbackologist$25.00$25.0011/18/2009 4:08:32 PM
GElender$50.00$50.0011/18/2009 4:08:55 PM
Sid-K$25.00$25.0011/18/2009 10:46:13 PM
JohnGalt94$25.00$25.0011/18/2009 4:09:02 PM
five-star-justice$36.00$36.0011/18/2009 4:09:05 PM
lendme2$50.00$50.0011/18/2009 4:09:13 PM
jla720$25.00$25.0011/18/2009 10:34:33 PM
JGB$25.00$25.0011/18/2009 4:09:34 PM
felipe65$25.00$25.0011/18/2009 11:24:49 PM
LHSK$25.00$25.0011/18/2009 10:39:25 PM
slartibardfast$25.00$25.0011/18/2009 4:09:37 PM
blissful-penny$50.00$50.0011/18/2009 11:36:10 PM
TrustPlus$40.28$40.2811/18/2009 10:49:27 PM
johannesfactotum$25.00$25.0011/18/2009 10:49:36 PM
contract-neutron$25.00$25.0011/18/2009 11:04:29 PM
pragmatic-camaraderi$25.00$25.0011/19/2009 1:37:17 AM
penny-gatherer0$25.00$25.0011/19/2009 1:45:48 AM
lobster$25.00$25.0011/19/2009 3:04:36 AM
crenen139$50.00$50.0011/18/2009 4:12:49 PM
djh47a$40.00$40.0011/19/2009 5:39:35 AM
profitable-durability6$25.00$25.0011/19/2009 5:45:21 AM
orange-courageous-dedication$40.00$40.0011/18/2009 4:13:02 PM
Macinvest$25.00$25.0011/18/2009 4:13:08 PM
omniviper$25.00$25.0011/19/2009 5:59:24 AM
aspen5$25.00$25.0011/19/2009 6:29:37 AM
Dr_M$25.00$25.0011/18/2009 4:14:48 PM
bigdogsafety1$25.00$25.0011/18/2009 4:14:51 PM
Halos2002$50.00$50.0011/18/2009 4:14:58 PM
LR_Biker$25.00$25.0011/19/2009 7:30:33 AM
oskizzle$25.00$25.0011/18/2009 4:16:22 PM
ultimate-social$25.00$25.0011/18/2009 4:16:40 PM
worthy-truth$25.00$25.0011/19/2009 7:49:27 AM
dinero-philosopher3$25.00$25.0011/19/2009 7:30:31 AM
unassuming-note$25.00$25.0011/19/2009 7:40:50 AM
morpholog$25.00$25.0011/18/2009 4:20:18 PM
lenderme$25.00$25.0011/19/2009 8:04:28 AM
money-explorer3$25.00$25.0011/19/2009 8:04:34 AM
hardworking-treasure$25.00$25.0011/19/2009 8:45:10 AM
Tahoeguy$42.42$42.4211/18/2009 4:49:47 PM
snoopey100$25.00$25.0011/18/2009 4:54:28 PM
aue513$25.00$25.0011/18/2009 4:54:37 PM
WaitForIt$25.00$25.0011/19/2009 8:24:30 AM
brandilton$25.00$25.0011/18/2009 5:04:29 PM
tenny321$25.00$25.0011/19/2009 9:24:44 AM
moola-rose8$25.00$25.0011/18/2009 5:49:53 PM
jpjones86$25.00$25.0011/18/2009 5:50:15 PM
payout-point$50.00$50.0011/18/2009 5:50:23 PM
asset-prescription$25.00$25.0011/18/2009 5:50:41 PM
icecoldcash$80.00$17.9111/19/2009 9:34:40 AM
just_for_today$25.00$25.0011/18/2009 6:24:25 PM
matrix456$25.00$25.0011/18/2009 6:49:32 PM
unequaled-velocity2$25.00$25.0011/18/2009 7:00:29 PM
clarkoa$25.00$25.0011/18/2009 8:34:28 PM
Abundance81$25.00$25.0011/18/2009 10:04:52 PM
Jim33$25.00$25.0011/18/2009 10:23:02 PM
point-shooter$25.00$25.0011/18/2009 11:04:27 PM
mark4$25.00$25.0011/18/2009 11:24:44 PM
lendacity$25.00$25.0011/19/2009 12:59:35 AM
SDNLR$25.00$25.0011/19/2009 1:37:27 AM
g314$30.00$30.0011/19/2009 1:45:19 AM
mtquan$25.00$25.0011/19/2009 2:55:41 AM
julijask$25.00$25.0011/19/2009 4:24:34 AM
income-crescendo1$31.60$31.6011/19/2009 4:31:08 AM
iruz$25.00$25.0011/19/2009 5:14:25 AM
a275ranger$25.00$25.0011/19/2009 5:45:39 AM
blot44$25.00$25.0011/19/2009 6:48:02 AM
InvestorPartners$25.00$25.0011/19/2009 7:30:32 AM
the-profit-oracle$25.00$25.0011/19/2009 8:42:08 AM
XopherMV$25.00$25.0011/19/2009 9:34:27 AM
Vess$25.00$25.0011/19/2009 9:34:39 AM
seabowl$25.00$25.0011/19/2009 10:17:02 AM
Cherrypicker$50.00$50.0011/19/2009 1:44:42 PM
tj1683$50.00$50.0011/19/2009 3:55:05 PM
truth-smasher$25.00$25.0011/19/2009 10:36:10 PM
Kelor99$25.00$25.0011/19/2009 3:04:36 PM
mvfreel$100.00$100.0011/20/2009 8:33:45 AM
availableloan$25.00$25.0011/20/2009 8:47:01 PM
FundMaker$25.00$25.0011/22/2009 8:09:45 AM
manuvns$25.00$25.0011/22/2009 11:42:55 AM
patriot384$100.00$100.0011/22/2009 5:23:39 PM
interstellar$50.00$50.0011/23/2009 11:43:59 AM
outofoffice$50.00$50.0011/22/2009 3:11:42 PM
investment-party$25.00$25.0011/23/2009 1:42:54 PM
417 bids
 
Borrower Payment Dependent Notes Series 434207
This series of Notes was issued and sold upon the funding of the borrower loan #39738, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $258.44
Final lender yield: 19.10% Final borrower rate/APR: 20.10% / 22.34% Final monthly payment: $241.89
 
Auction yield range: 8.29% - 24.00% 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: Nov-1995 Debt/Income ratio: 16%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:8y 8m
Amount delinquent: $0 Revolving credit balance: $3,753 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: geologist125 Borrower's state: California Borrower's group: PsychDoc's Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 97% ) 680-699 (Latest)
Principal borrowed: $2,550.00< mo. late: 1 ( 3% )  
680-699 (Oct-2009)
500-519 (Jun-2006)
520-539 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
Pay Off High-Interest Credit Cards
I am a working professional who, with the?help of a prior successfully completed?Prosper loan,?has almost recovered financially from breast cancer treatment and a roommate-gone-bad situation. I am now healthy and cancer free, and my number one personal goal continues to be building my credit into "A" status and eventually purchasing a home. My background includes a BA degree in Geology and an AA degree in business. I have been at very stable job since 2001 as a production analyst for an oil company.

With a Prosper loan to pay off?my high-interest credit card debt, I will be lowering my monthly payments and will have a definite payoff date of within three years.??Continuing to make just above?minimum payments to high-interest credit cards will not allow me to do this, and I will have less money available to save and pay toward debt each month.

Monthly Net Income:? $3935
Monthly Expenses:????$2651

Expense Detail:
$? 381.00? credit card minimum payments
$? 436.00? car payment
$1600.00? housing
$? 364.00? phone, electricity, insurance, cable, gym
$2781.00

Credit cards to pay with Prosper loan:?
BalanceMin PmtInt Rate
1??????????? $2,760.08????????100???????????29.99
2??????????? $1,671.02?????????68????????????29.95
3??????????? $?? 189.80?????????15????????????29.99
4????????????$?? 151.44?????????15????????????29.49
5????????????$?? 363.04?????????37????????????29.49
6????????????$?? 109.14???????? 10????????????29.99
7????????????$???358.93?????????68????????????? 9.99
8??????????? $?? 401.25?????????68????????????29.99
????????????? $6 004.70????? $381

I can assure you I will make payments to you on time each month as promised.? My prior loan with Prosper was paid off early.? If you have any questions, please do not hesitate to contact me.? Thank you for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ClearLake$25.00$25.0011/20/2009 10:10:46 AM
Josta$50.00$50.0011/20/2009 10:10:49 AM
wise-spirited-nickel$25.00$25.0011/20/2009 10:11:27 AM
JohnGalt94$25.00$25.0011/20/2009 10:11:49 AM
SkiFastBadly$25.00$25.0011/20/2009 10:12:12 AM
Tahoeguy$50.00$50.0011/20/2009 10:12:14 AM
red-favorable-basis$25.00$25.0011/20/2009 10:12:40 AM
Boca$25.00$25.0011/20/2009 10:13:14 AM
ramblin$25.00$25.0011/20/2009 10:13:37 AM
GatorBux$100.00$100.0011/20/2009 10:10:26 AM
honorable-yield$50.00$50.0011/20/2009 10:15:45 AM
booksleuth$50.00$50.0011/20/2009 10:11:19 AM
Dahlozer$25.00$25.0011/20/2009 10:12:09 AM
reflective-rupee$25.00$25.0011/20/2009 10:12:31 AM
get30inc$25.00$25.0011/20/2009 10:12:51 AM
best-decisive-peace$25.00$25.0011/20/2009 10:13:10 AM
108lender$200.00$200.0011/20/2009 10:13:17 AM
eloquent-penny$25.00$25.0011/20/2009 10:13:47 AM
peripatetic$25.00$25.0011/20/2009 10:13:51 AM
Weaverville$25.00$25.0011/20/2009 10:15:59 AM
sharkm$25.00$25.0011/20/2009 10:19:10 AM
biobulator$25.00$25.0011/20/2009 10:19:56 AM
value-pole$25.00$25.0011/20/2009 10:20:34 AM
credit-kahuna$100.00$100.0011/20/2009 10:20:49 AM
Havana21$50.00$50.0011/20/2009 10:21:18 AM
czar3$30.00$30.0011/20/2009 10:21:24 AM
Clambake$50.00$50.0011/20/2009 10:21:51 AM
chicco$80.00$80.0011/20/2009 10:22:35 AM
jeg3k$25.00$25.0011/20/2009 10:22:40 AM
socialbanker$25.00$25.0011/20/2009 10:22:43 AM
lloyd_s$25.00$25.0011/20/2009 10:19:46 AM
Lightlife$50.00$50.0011/20/2009 10:20:42 AM
CarDealer3070$25.00$25.0011/20/2009 10:21:02 AM
wise-extraordinary-loot$30.00$30.0011/20/2009 10:21:13 AM
rolandweary$40.00$40.0011/20/2009 10:21:38 AM
dignified-finance$25.00$25.0011/20/2009 10:25:16 AM
RetiredATC$25.00$25.0011/20/2009 10:22:12 AM
slartibardfast$25.00$25.0011/20/2009 10:26:15 AM
youqianderen$50.00$50.0011/20/2009 10:22:50 AM
shrewd-deal$25.00$25.0011/20/2009 10:24:42 AM
five-star-justice$36.00$36.0011/20/2009 10:25:35 AM
lendme2$50.00$50.0011/20/2009 10:25:57 AM
zento$25.00$25.0011/20/2009 10:35:58 AM
GElender$50.00$50.0011/20/2009 10:10:01 AM
ScottW$25.00$25.0011/20/2009 10:10:13 AM
dloan$25.00$25.0011/20/2009 10:52:18 AM
jybank$25.00$25.0011/20/2009 10:40:52 AM
skuba$25.00$25.0011/20/2009 10:11:24 AM
Sefotonga$25.00$25.0011/20/2009 10:11:35 AM
scoobiedoo$25.00$25.0011/20/2009 10:11:53 AM
Rogesparkguy$25.00$25.0011/20/2009 10:12:00 AM
hope-eagle6$25.00$25.0011/20/2009 10:12:36 AM
payout-point$50.00$50.0011/20/2009 10:12:42 AM
People-for-people$50.00$50.0011/20/2009 10:13:16 AM
CAGE-Investments$25.00$25.0011/20/2009 10:13:20 AM
galtsgulch$25.00$25.0011/20/2009 10:13:42 AM
brazilofmux$100.00$100.0011/20/2009 10:14:43 AM
cu2maro$50.00$50.0011/20/2009 11:33:56 AM
Artist_Blue$25.00$25.0011/20/2009 10:19:51 AM
SNH$50.00$50.0011/20/2009 10:21:31 AM
museic1$50.00$50.0011/20/2009 10:21:44 AM
yield-lion$25.00$25.0011/20/2009 10:21:57 AM
Cai8899$40.00$40.0011/20/2009 10:22:14 AM
xstreamin$25.00$25.0011/20/2009 10:22:57 AM
HQLender06851$25.00$25.0011/20/2009 12:54:33 PM
wayman$50.00$50.0011/20/2009 10:23:06 AM
exact-justice$25.00$25.0011/20/2009 10:23:09 AM
andyb9$25.00$25.0011/20/2009 10:23:18 AM
hitsman$50.00$50.0011/20/2009 10:23:39 AM
jhernand17$25.00$25.0011/20/2009 12:16:24 PM
AuroraRobbin$50.00$50.0011/20/2009 1:24:26 PM
bonus-patriot$50.00$50.0011/20/2009 10:25:32 AM
Banker7371$25.00$25.0011/20/2009 10:26:11 AM
wrighco$25.00$25.0011/20/2009 10:26:18 AM
srthsvghdthtr$25.00$25.0011/20/2009 10:39:25 AM
GOPHERBOY$50.00$50.0011/20/2009 4:20:26 PM
1SteelerFan$35.00$35.0011/20/2009 4:32:23 PM
Cypher041$25.00$25.0011/20/2009 4:36:40 PM
felicity-daydream$50.00$50.0011/20/2009 8:30:45 PM
lendme2$50.00$50.0011/20/2009 1:17:26 PM
fortytwo$168.37$168.3711/21/2009 11:01:54 AM
rockhound84$25.00$25.0011/22/2009 6:40:58 AM
stuy1998$35.00$35.0011/22/2009 8:21:38 AM
GABC-1$50.00$50.0011/21/2009 6:55:29 AM
Scotishpwr$100.00$100.0011/21/2009 1:38:06 PM
orange-finance-banker$25.00$25.0011/21/2009 4:42:01 PM
kginatl$50.05$50.0511/21/2009 10:14:29 PM
expo77$25.00$25.0011/23/2009 10:27:14 AM
ideal-value$100.00$100.0011/22/2009 3:44:20 PM
unk1911$25.00$25.0011/23/2009 2:52:15 PM
aurorafinancial$50.00$50.0011/23/2009 12:11:48 PM
roi-advantage$25.00$25.0011/23/2009 5:37:55 PM
hard-working-loot$25.00$25.0011/20/2009 10:11:14 AM
crazycool$35.00$35.0011/20/2009 10:11:17 AM
bradny$25.00$25.0011/20/2009 10:11:51 AM
wampum-chorus3$25.00$25.0011/20/2009 10:12:15 AM
amint17$25.00$25.0011/20/2009 10:12:20 AM
unclejaef$25.00$25.0011/20/2009 10:12:55 AM
YogaDude34$50.00$50.0011/20/2009 10:13:04 AM
power-flow6$25.00$25.0011/20/2009 10:13:12 AM
Aimvest$25.00$25.0011/20/2009 10:13:15 AM
Carpetkid$25.00$25.0011/20/2009 10:13:33 AM
BuffetRocks$50.00$50.0011/20/2009 10:13:44 AM
utukxul$25.00$25.0011/20/2009 10:10:38 AM
desertoasis$25.00$25.0011/20/2009 10:15:50 AM
a275ranger$25.00$25.0011/20/2009 10:10:43 AM
AF-Chief$35.00$35.0011/20/2009 10:11:30 AM
DadWarbucks$25.00$25.0011/20/2009 10:11:55 AM
Dr_M$25.00$25.0011/20/2009 10:12:04 AM
Hondo$25.00$25.0011/20/2009 10:12:23 AM
vcbogan$100.00$100.0011/20/2009 10:12:29 AM
omniviper$25.00$25.0011/20/2009 10:12:49 AM
icecoldcash$80.00$80.0011/20/2009 10:12:59 AM
elevated-platinum5$50.00$50.0011/20/2009 10:13:08 AM
Diamond_Jim$25.00$25.0011/20/2009 10:18:07 AM
4est$25.00$25.0011/20/2009 10:15:31 AM
steves73$25.00$25.0011/20/2009 10:15:38 AM
five-star-note$25.00$25.0011/20/2009 10:16:23 AM
roto$25.00$25.0011/20/2009 10:16:26 AM
charming-point$100.00$100.0011/20/2009 10:20:26 AM
rmachi$25.00$25.0011/20/2009 10:20:44 AM
justice-dna$25.00$25.0011/20/2009 10:20:53 AM
gracej$25.00$25.0011/20/2009 10:21:19 AM
personal-lender$25.00$25.0011/20/2009 10:21:26 AM
tallmon$25.00$25.0011/20/2009 10:18:37 AM
bchen78875$25.00$25.0011/20/2009 10:22:20 AM
techvet$25.00$25.0011/20/2009 10:22:31 AM
E_G$30.00$30.0011/20/2009 10:19:17 AM
tremendous-payment$25.00$25.0011/20/2009 10:19:39 AM
ThomasCrown$30.00$30.0011/20/2009 10:23:00 AM
Dutchhunter$25.00$25.0011/20/2009 10:23:04 AM
wiltonbound$25.00$25.0011/20/2009 10:23:24 AM
miked8303$25.00$25.0011/20/2009 10:20:18 AM
bonus-buddy2$35.00$35.0011/20/2009 10:21:47 AM
WalnutCreekguy$33.00$33.0011/20/2009 10:22:27 AM
VBAces$50.00$50.0011/20/2009 10:26:21 AM
benefit-squirrel$30.00$30.0011/20/2009 10:23:14 AM
enthusiastic-balance5$100.00$7.1211/20/2009 10:26:24 AM
deal-pioneer1$25.00$25.0011/20/2009 10:10:21 AM
westsidehighway$25.00$25.0011/20/2009 10:10:28 AM
IIP77$25.00$25.0011/20/2009 10:10:44 AM
Payasoup$27.00$27.0011/20/2009 10:11:06 AM
loan_doctor$25.00$25.0011/20/2009 10:11:38 AM
Palacios$50.00$50.0011/20/2009 10:11:57 AM
fun2invest$25.00$25.0011/20/2009 10:12:01 AM
JGB$25.00$25.0011/20/2009 10:12:25 AM
mtquan$25.00$25.0011/20/2009 10:12:46 AM
the-profit-oracle$25.00$25.0011/20/2009 10:12:58 AM
abfs$25.00$25.0011/20/2009 10:13:06 AM
payout-carnival$25.00$25.0011/20/2009 10:13:18 AM
beezling$40.00$40.0011/20/2009 10:13:22 AM
the-bright-velocity$50.00$50.0011/20/2009 10:13:25 AM
return-elm$25.00$25.0011/20/2009 10:13:28 AM
a-responsible-return$25.00$25.0011/20/2009 10:14:25 AM
Tomco$25.00$25.0011/20/2009 10:51:13 AM
newbietony$25.00$25.0011/20/2009 10:19:04 AM
brother_tam$50.00$50.0011/20/2009 10:20:07 AM
mikrolown$25.00$25.0011/20/2009 10:20:22 AM
payout-achievement$40.00$40.0011/20/2009 10:20:56 AM
EnigmaNYC-29$25.00$25.0011/20/2009 10:21:01 AM
kulender$25.00$25.0011/20/2009 10:21:14 AM
mrthatcher$50.00$50.0011/20/2009 6:55:49 PM
explorer925$50.00$50.0011/20/2009 10:34:26 PM
shark1234$25.00$25.0011/21/2009 2:17:48 PM
GeoLender$25.00$25.0011/20/2009 7:57:17 PM
truth-smasher$25.00$25.0011/21/2009 6:36:22 AM
Bob450$50.00$50.0011/22/2009 11:12:02 PM
justhelpinout$33.46$33.4611/21/2009 2:27:03 PM
Kissabledevil$50.00$50.0011/23/2009 2:16:45 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:47 PM
blLending$25.00$25.0011/23/2009 2:12:32 PM
loss-of-control$200.00$200.0011/23/2009 6:51:42 PM
rubylender$25.00$25.0011/23/2009 9:30:18 PM
173 bids
 
Borrower Payment Dependent Notes Series 434209
This series of Notes was issued and sold upon the funding of the borrower loan #39723, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-19-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 10.04% Starting borrower rate/APR: 11.04% / 11.39% Starting monthly payment: $393.09
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $390.03
 
Auction yield range: 3.29% - 10.04% 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: Nov-1992 Debt/Income ratio: 18%
Credit score: 820-839 (Nov-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $2,186 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: unrivaled-hope2 Borrower's state: RhodeIsland 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
Putting house on rental market
Purpose of loan:
I?plan to use part of the loan to?pay off my car note (about $5,000)?and the rest to make?improvements to my home.? I am currently commuting 4 hours each day to work and want to rent out my house to move (along with my kitty) closer to my job.? ?There are alot of minor repairs and some cosmetic work that needs to be done in order for my home to be ready to rent.

My financial situation:
I am a great candidate for this loan because I have an excellent track record of paying back loans - no defaults, no writeoffs, and no recent late payments.? In addition, the monthly payback amount will not stretch my budget.? The dollars I was paying for my car loan will be used to pay back this loan.

I sincerely appreciate that you are considering my loan request. Many, many thanks!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Are you planning on renting or purchasing a place closer to your work? - jackdempsey
A: Yes - I am planning on renting a place much closer to work. I've done some research already on prices and locations and am confident I can pay both the mortgage and the rent if I had to. Thank you for considering. (Nov-20-2009)
Q: What is your occupation? Could you give us a 5 year employment history (position/duration). How large of a company do you work for currently? - BAEVentures
A: I am currently an Administrator at one of the hospitals in a very large health system and started this position almost a year ago (i've been in the field 14 years). I am as confident as I can be that my job is secure as the hospital posted a 5% margin last year, despite the recession. I was in my last job for 2 years and the one before that for almost 3. Similar positions as my current with progressively more responsibility. Thank you (Nov-20-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Gunny89$25.00$25.0011/19/2009 12:34:33 PM
Mowine4me$25.00$25.0011/19/2009 12:36:14 PM
zoomdrm57$50.00$50.0011/19/2009 12:38:05 PM
Goodlender42$25.00$25.0011/19/2009 12:38:22 PM
wrighco$25.00$25.0011/19/2009 12:37:33 PM
gizzywump$25.00$25.0011/19/2009 12:37:56 PM
Banker7371$25.00$25.0011/19/2009 12:38:26 PM
leodaguy$25.00$25.0011/19/2009 12:40:17 PM
lloyd_s$25.00$25.0011/19/2009 12:38:46 PM
E_G$50.00$50.0011/19/2009 12:40:40 PM
cash-boots$30.00$30.0011/19/2009 12:40:02 PM
lend_to_you$50.00$50.0011/19/2009 12:40:10 PM
sharkm$25.00$25.0011/19/2009 12:40:32 PM
Attract$25.00$25.0011/19/2009 12:43:56 PM
a-responsible-return$25.00$25.0011/19/2009 12:44:00 PM
personal-lender$25.00$25.0011/19/2009 12:44:04 PM
Weaverville$25.00$25.0011/19/2009 12:44:12 PM
bchen78875$50.00$50.0011/19/2009 12:44:18 PM
trident9$50.00$50.0011/19/2009 12:44:37 PM
thedoctor$40.00$40.0011/19/2009 12:44:48 PM
rmachi$25.00$25.0011/19/2009 12:44:51 PM
iansays1$25.00$25.0011/19/2009 12:45:00 PM
newbietony$40.00$40.0011/19/2009 12:48:02 PM
mikeandcat$50.00$50.0011/19/2009 12:48:57 PM
888168$50.00$50.0011/19/2009 12:46:16 PM
don8ter$60.00$60.0011/19/2009 12:49:23 PM
Klearwater_Pools$25.00$25.0011/19/2009 12:49:36 PM
gethsemane4$25.00$25.0011/19/2009 12:50:05 PM
fair-funds$25.00$25.0011/19/2009 12:51:24 PM
Steveoo1$50.00$50.0011/19/2009 12:51:35 PM
aldenrains$25.00$25.0011/19/2009 12:51:42 PM
Havana21$50.00$50.0011/19/2009 12:48:05 PM
verse99$25.00$25.0011/19/2009 12:53:14 PM
kulender$25.00$25.0011/19/2009 12:49:33 PM
amit_gu$50.00$50.0011/19/2009 12:54:13 PM
credit-coach118$35.00$35.0011/19/2009 12:54:19 PM
the-money-gargantuan$25.00$25.0011/19/2009 12:55:28 PM
GOPHERBOY$25.00$25.0011/19/2009 12:56:10 PM
szetheli$25.13$25.1311/19/2009 12:56:17 PM
pleasant-basis$25.00$25.0011/19/2009 12:53:04 PM
ike_bt$25.00$25.0011/19/2009 1:02:35 PM
oskizzle$25.00$25.0011/19/2009 12:53:22 PM
Cheburashka$30.00$30.0011/19/2009 1:03:25 PM
MTLoans$25.00$25.0011/19/2009 1:10:16 PM
anton$50.00$50.0011/19/2009 12:54:30 PM
Skiph$25.00$25.0011/19/2009 12:56:14 PM
brandilton$25.00$25.0011/19/2009 1:53:20 PM
cash-tsunami$25.00$25.0011/19/2009 1:59:43 PM
Camerican$25.00$25.0011/19/2009 1:00:10 PM
Binan$25.00$25.0011/19/2009 1:59:51 PM
silktea$25.00$25.0011/19/2009 1:03:46 PM
Aethelinde$33.47$33.4711/19/2009 1:15:32 PM
thedreamer$25.00$25.0011/19/2009 2:37:59 PM
rate-hickory$25.00$25.0011/19/2009 2:12:44 PM
pietro_torna_indietro$100.00$100.0011/19/2009 12:34:48 PM
Bill33716$25.00$25.0011/19/2009 2:15:29 PM
DonaldColorado$25.00$25.0011/19/2009 12:36:03 PM
bowdish1$50.00$50.0011/19/2009 12:36:16 PM
desertoasis$26.22$26.2211/19/2009 2:22:46 PM
Snowflake6515$25.00$25.0011/19/2009 2:35:18 PM
five-star-note$25.00$25.0011/19/2009 12:37:32 PM
antlr$25.00$25.0011/19/2009 12:37:59 PM
shookie_40$25.00$25.0011/19/2009 3:04:30 PM
timmytiger$25.00$25.0011/19/2009 2:58:09 PM
saihu$25.00$25.0011/19/2009 4:00:52 PM
LizzieMN$25.00$25.0011/19/2009 3:04:31 PM
dpfl55$25.00$25.0011/19/2009 3:19:59 PM
aasx1108$25.00$25.0011/19/2009 4:51:58 PM
BlindProphet$25.00$25.0011/19/2009 12:44:23 PM
WilliamLeeSims$25.00$25.0011/19/2009 4:54:33 PM
Raven39$25.00$25.0011/19/2009 5:04:25 PM
bonus-patriot$50.00$50.0011/19/2009 12:45:13 PM
coolspeed$25.00$25.0011/19/2009 4:09:35 PM
djh47a$40.00$40.0011/19/2009 5:10:24 PM
VBAces$27.72$27.7211/19/2009 5:55:09 PM
mamayama$25.00$25.0011/19/2009 12:49:42 PM
BankOfFrankFairness$50.00$50.0011/19/2009 12:49:51 PM
honorable-yield$75.00$75.0011/19/2009 12:51:08 PM
kenyonhillbilly$25.00$16.3611/19/2009 7:09:59 PM
ultimate-social$25.00$25.0011/19/2009 6:20:52 PM
wampum-chorus3$25.00$25.0011/19/2009 6:24:27 PM
Daheavy1$31.93$31.9311/19/2009 6:29:40 PM
payout-optimizer$25.00$25.0011/19/2009 6:35:43 PM
trade-pragmatist$25.00$25.0011/19/2009 12:53:06 PM
open-minded-finance1$25.00$25.0011/19/2009 12:53:43 PM
suomynona$25.00$25.0011/19/2009 6:50:07 PM
lendacity$25.00$25.0011/19/2009 12:55:14 PM
payout-point$26.39$26.3911/19/2009 12:55:27 PM
Syzygy$25.00$25.0011/19/2009 12:56:57 PM
the-bright-velocity$50.00$50.0011/19/2009 12:57:21 PM
museic1$25.00$25.0011/19/2009 1:00:49 PM
justice-hawk$100.00$100.0011/19/2009 8:25:40 PM
HunterSix$25.00$25.0011/19/2009 1:02:24 PM
zoe1971$25.00$25.0011/19/2009 1:40:37 PM
cjames84$25.00$25.0011/19/2009 2:24:41 PM
bid-promiser$25.00$25.0011/19/2009 2:25:07 PM
Quaven$25.00$25.0011/19/2009 2:35:54 PM
Prezotus$25.00$25.0011/19/2009 2:37:45 PM
Yankeeeagle$25.00$25.0011/19/2009 2:37:56 PM
Marlin2010$25.00$25.0011/20/2009 8:49:44 AM
Triathlonman$25.00$25.0011/19/2009 2:38:49 PM
leverage-monger$100.00$100.0011/20/2009 9:10:13 AM
iolaire$25.00$25.0011/20/2009 8:50:37 AM
nolahelper$25.00$25.0011/20/2009 9:00:51 AM
Oakland$40.58$40.5811/19/2009 3:11:49 PM
investment-tuba$25.00$25.0011/19/2009 3:29:58 PM
kirkjerk$25.00$25.0011/19/2009 3:36:19 PM
PatRichi$25.00$25.0011/19/2009 4:09:56 PM
orbital-gain$25.00$25.0011/19/2009 4:18:57 PM
USMC0311$25.00$25.0011/19/2009 4:26:43 PM
Diosia$25.00$25.0011/19/2009 5:49:27 PM
TrustPlus$36.03$36.0311/19/2009 6:14:47 PM
principal-laser$100.00$100.0011/20/2009 3:29:10 AM
rate-hickory$25.00$25.0011/20/2009 8:47:09 AM
SpectrumFinance$25.00$25.0011/20/2009 9:12:13 AM
jybank$25.00$25.0011/20/2009 9:26:04 AM
genuine-money3$50.00$50.0011/20/2009 11:20:13 AM
jackdempsey$200.00$200.0011/20/2009 1:38:56 PM
responsibility-butterfly$25.00$25.0011/20/2009 5:03:10 PM
loma38$55.00$55.0011/20/2009 4:20:25 PM
HenryK7$51.77$51.7711/20/2009 7:39:26 PM
vacationgirl$35.00$35.0011/20/2009 8:24:42 PM
euro-whomper$25.00$25.0011/21/2009 7:05:01 PM
zski$50.00$50.0011/22/2009 3:25:05 AM
stuy1998$25.00$25.0011/22/2009 8:28:19 AM
FundMaker$25.00$25.0011/21/2009 5:35:09 AM
brightest-useful-social$25.00$25.0011/21/2009 11:47:45 AM
zento$25.00$25.0011/23/2009 12:23:43 PM
Rearden_Steel$25.00$25.0011/23/2009 12:35:35 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:46 PM
soccermom33$25.00$25.0011/23/2009 10:30:22 AM
anacho4me$25.00$25.0011/23/2009 5:31:04 PM
historyman$25.00$25.0011/23/2009 6:09:38 PM
lendme2$100.00$100.0011/23/2009 8:14:07 PM
Onlyhappycustomers$25.00$25.0011/23/2009 5:55:44 PM
Earnest_Money$48.54$48.5411/23/2009 7:47:23 PM
eureka117$25.00$25.0011/24/2009 6:48:34 AM
DHolly$25.00$25.0011/24/2009 7:00:19 AM
money-prophesy$100.00$100.0011/24/2009 8:37:40 AM
wampum-cocktail$50.00$50.0011/24/2009 12:05:14 PM
Ven58$25.00$25.0011/24/2009 3:08:14 PM
innovator2$100.00$100.0011/24/2009 3:54:08 PM
availableloan$25.00$25.0011/24/2009 5:20:45 PM
MasterKey$25.00$25.0011/24/2009 5:20:47 PM
liberty-thinker$25.00$25.0011/24/2009 6:29:48 PM
indomart$50.00$50.0011/24/2009 11:42:03 PM
Share-the-wealth$100.00$100.0011/25/2009 7:15:15 AM
dmitriy2$25.00$25.0011/25/2009 10:27:36 AM
fairmaiden$25.00$25.0011/25/2009 9:58:15 AM
RiskAdverse$25.00$25.0011/25/2009 10:35:01 AM
MNMAN21$75.00$75.0011/25/2009 11:59:33 AM
patriot384$100.00$100.0011/25/2009 12:24:34 PM
gothampark$25.00$25.0011/25/2009 3:31:26 PM
stemper$50.00$50.0011/25/2009 5:48:33 PM
flshdaskll$25.00$25.0011/25/2009 6:48:24 PM
jdadverb$52.94$52.9411/25/2009 6:53:06 PM
payout-reaction740$25.00$25.0011/25/2009 7:44:38 PM
grf1945$25.00$25.0011/25/2009 7:57:22 PM
gtdane$83.51$83.5111/25/2009 8:55:08 PM
mcabery$150.00$150.0011/26/2009 12:37:34 AM
Spiv_51$25.00$25.0011/26/2009 2:05:16 AM
unfixer$25.00$25.0011/26/2009 7:07:31 AM
axelducheck$29.36$29.3611/26/2009 5:59:48 AM
ethicalhumanist$25.00$25.0011/26/2009 8:30:35 AM
treasure-bliss4$50.00$50.0011/26/2009 9:13:23 AM
proton4$35.00$35.0011/26/2009 12:26:57 PM
exciting-fairness$200.00$200.0011/26/2009 12:09:22 PM
inforapenny$25.00$25.0011/19/2009 12:31:57 PM
emo13$50.00$50.0011/19/2009 12:37:46 PM
repayment-chef$25.00$25.0011/19/2009 12:38:17 PM
sidney102$25.00$25.0011/19/2009 12:37:22 PM
TakeCare$100.00$100.0011/19/2009 12:37:50 PM
miked8303$25.00$25.0011/19/2009 12:37:53 PM
Cai8899$75.00$75.0011/19/2009 12:38:42 PM
the_winning_ticket$35.00$35.0011/19/2009 12:40:23 PM
burgeoning-silver$25.00$25.0011/19/2009 12:40:46 PM
gracej$25.00$25.0011/19/2009 12:44:30 PM
neighborly-hope6$100.00$100.0011/19/2009 12:44:40 PM
justice-dna$35.00$35.0011/19/2009 12:44:43 PM
GElender$50.00$50.0011/19/2009 12:45:09 PM
Zarf$50.00$50.0011/19/2009 12:47:58 PM
five-star-justice$36.00$36.0011/19/2009 12:45:20 PM
tallmon$25.00$25.0011/19/2009 12:46:21 PM
orange-courageous-dedication$40.00$40.0011/19/2009 12:50:33 PM
wiselady$25.00$25.0011/19/2009 12:50:59 PM
Artist_Blue$25.00$25.0011/19/2009 12:51:31 PM
bigdogsafety1$25.00$25.0011/19/2009 12:52:27 PM
magical-greenback$55.00$55.0011/19/2009 12:48:46 PM
MidLifeCrisis$25.00$25.0011/19/2009 12:53:17 PM
trade-doughnut5$25.00$25.0011/19/2009 12:49:28 PM
1fortheroad$25.00$25.0011/19/2009 12:53:36 PM
liederhaus$50.00$50.0011/19/2009 12:54:03 PM
first-wampum-trapper$25.00$25.0011/19/2009 12:54:25 PM
crenen139$100.00$100.0011/19/2009 12:50:21 PM
tolstoy00$25.00$25.0011/19/2009 12:55:26 PM
thestartuplender$50.00$50.0011/19/2009 12:55:58 PM
rakstar$50.00$50.0011/19/2009 12:51:55 PM
SNH$50.00$50.0011/19/2009 12:52:40 PM
ytjameslee$50.00$50.0011/19/2009 12:53:30 PM
morpholog$25.00$25.0011/19/2009 12:53:57 PM
afotherg$25.00$25.0011/19/2009 12:54:08 PM
Dazz2061$25.00$25.0011/19/2009 1:10:17 PM
fdsguy$50.00$50.0011/19/2009 12:54:36 PM
Divot$25.00$25.0011/19/2009 12:55:24 PM
bdloans$25.00$25.0011/19/2009 1:16:52 PM
bedframe$25.00$25.0011/19/2009 12:57:23 PM
cavalier2020$25.00$25.0011/19/2009 1:01:48 PM
johannesfactotum$25.00$25.0011/19/2009 2:22:58 PM
ClearLake$25.00$25.0011/19/2009 1:10:50 PM
ljay$25.00$25.0011/19/2009 12:34:29 PM
Kerrysbay$25.00$25.0011/19/2009 12:34:56 PM
Fortuno_per_commodo$50.00$50.0011/19/2009 2:15:30 PM
lucrative-worth$25.00$25.0011/19/2009 12:37:41 PM
hard-working-loot$25.00$25.0011/19/2009 12:38:02 PM
MoneyU4IA$40.00$40.0011/19/2009 12:38:11 PM
Headhunter14$25.00$25.0011/19/2009 2:38:14 PM
pragmatic-camaraderi$25.00$25.0011/19/2009 2:38:52 PM
iruz$50.00$50.0011/19/2009 2:40:31 PM
Jack1966$25.00$25.0011/19/2009 2:46:02 PM
vestquid$25.00$25.0011/19/2009 2:57:57 PM
the-profit-worker$29.71$29.7111/19/2009 3:01:17 PM
harmonious-greenback$25.00$25.0011/19/2009 3:04:29 PM
jcfunder$25.00$25.0011/19/2009 4:02:28 PM
Citizenryan$25.00$25.0011/19/2009 4:15:08 PM
worth-glider$25.00$25.0011/19/2009 4:45:07 PM
Walkingcowboy$25.00$25.0011/19/2009 12:44:33 PM
economy-balance$25.00$25.0011/19/2009 12:45:25 PM
evnagelist$50.00$50.0011/19/2009 12:47:52 PM
VikingInvestments$25.00$25.0011/19/2009 4:44:32 PM
AF-Chief$35.00$35.0011/19/2009 12:48:31 PM
StrongMoney$25.00$25.0011/19/2009 6:14:34 PM
Mr_Marcus$50.00$50.0011/19/2009 12:48:53 PM
transparency-giant$28.93$28.9311/19/2009 5:09:57 PM
gogmagog$100.00$100.0011/19/2009 6:20:02 PM
honorable-treasure$25.00$25.0011/19/2009 7:00:11 PM
best-decisive-peace$25.00$25.0011/19/2009 12:51:16 PM
forthright-money$25.00$25.0011/19/2009 6:14:27 PM
vegaslender88$25.00$25.0011/19/2009 12:52:44 PM
rpg$300.00$300.0011/19/2009 8:09:34 PM
jmvingeorgia$25.00$25.0011/19/2009 12:52:57 PM
elevated-platinum5$25.00$25.0011/19/2009 12:56:22 PM
HUNTER599673$25.00$25.0011/19/2009 1:02:21 PM
minista$25.00$25.0011/20/2009 2:54:38 AM
adabra$25.00$25.0011/19/2009 1:53:29 PM
bonus-antioxidant$25.00$25.0011/19/2009 2:06:32 PM
nalaari$33.88$33.8811/19/2009 2:20:31 PM
blue-exuberant-economy$25.00$25.0011/19/2009 2:38:04 PM
elegant-bonus$50.00$50.0011/19/2009 2:40:57 PM
SpectrumCapital$25.00$25.0011/20/2009 9:12:10 AM
blot44$50.00$50.0011/19/2009 2:43:50 PM
shadowflame_99$25.00$25.0011/19/2009 2:45:59 PM
JJS180$25.00$25.0011/19/2009 2:46:21 PM
DukSerduk$25.00$25.0011/19/2009 2:50:34 PM
bds9646$25.00$25.0011/19/2009 3:04:31 PM
Plotinus$33.23$33.2311/19/2009 3:14:49 PM
fuzed$38.97$38.9711/19/2009 3:51:46 PM
DadWarbucks$25.00$25.0011/19/2009 5:35:01 PM
reciprocate$100.00$100.0011/20/2009 8:26:06 AM
building_community$25.00$25.0011/20/2009 9:48:41 AM
longisland47m$25.00$25.0011/20/2009 1:26:52 PM
fostaman$25.00$25.0011/20/2009 8:59:50 PM
ivar$25.00$25.0011/20/2009 1:50:32 PM
brit11$50.00$50.0011/21/2009 11:02:30 AM
stock_speculator$25.00$25.0011/20/2009 5:00:52 PM
estancias$25.00$25.0011/22/2009 6:34:39 AM
manuvns$25.00$25.0011/22/2009 11:53:07 AM
JDL51$50.00$50.0011/22/2009 1:35:09 PM
springpanda$25.00$25.0011/21/2009 2:01:57 PM
powerful-velocity$25.00$25.0011/23/2009 9:45:56 AM
flwah$25.00$25.0011/23/2009 9:36:05 AM
outofoffice$50.00$50.0011/22/2009 3:10:51 PM
fortune888$25.00$25.0011/23/2009 6:48:25 PM
loss-of-control$100.00$100.0011/23/2009 4:57:30 PM
BAEVentures$50.00$50.0011/23/2009 6:01:12 PM
jfreaksho$25.00$25.0011/24/2009 4:20:36 AM
cashasaurus0$400.00$400.0011/24/2009 4:59:55 AM
purplepotato$26.00$26.0011/24/2009 7:58:10 AM
the-profit-oracle$25.00$25.0011/24/2009 9:01:46 AM
GrayStudio$50.00$50.0011/24/2009 11:12:09 AM
bouvierchamp$26.31$26.3111/24/2009 3:17:35 PM
People-for-people$50.00$50.0011/24/2009 4:31:03 PM
RandyL3$28.25$28.2511/24/2009 4:42:26 PM
SCD$25.00$25.0011/24/2009 5:17:12 PM
Pendruce$25.00$25.0011/24/2009 5:46:45 PM
scott2004114$66.88$66.8811/25/2009 2:43:10 AM
buffalobills$25.00$25.0011/25/2009 7:11:00 AM
maineyankee$25.00$25.0011/25/2009 8:40:55 AM
ArtLends$39.67$39.6711/25/2009 9:14:13 AM
sdcc72$25.00$25.0011/25/2009 11:40:19 AM
malmoswed1$50.00$50.0011/25/2009 10:37:17 AM
ujiba$25.00$25.0011/25/2009 10:44:21 AM
cubswin321$80.00$80.0011/25/2009 1:16:11 PM
bomdel$25.00$25.0011/25/2009 4:05:19 PM
adoptionblessing$38.22$38.2211/25/2009 6:37:02 PM
Niffler$99.00$99.0011/25/2009 6:46:14 PM
78$25.00$25.0011/26/2009 6:48:10 AM
LEBO$25.00$25.0011/26/2009 8:16:53 AM
G-Love$400.00$400.0011/26/2009 9:06:20 AM
friendinmoney$25.00$25.0011/26/2009 12:28:31 PM
299 bids
 
Borrower Payment Dependent Notes Series 434331
This series of Notes was issued and sold upon the funding of the borrower loan #39741, 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-20-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 10.04% Starting borrower rate/APR: 11.04% / 11.39% Starting monthly payment: $327.58
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $325.02
 
Auction yield range: 3.29% - 10.04% 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: Aug-1988 Debt/Income ratio: 24%
Credit score: 820-839 (Nov-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:14y 8m
Amount delinquent: $0 Revolving credit balance: $25,804 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: income-advocator Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 820-839 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
840-859 (Sep-2008)
 
Principal balance: $2,562.54 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Adios Credit Cards
We are consolidating our remaining debt from a couple lingering credit cards. The payment on this loan will be less than our current minimum monthly payments and we will still be able to pay it all off more quickly.
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: Your revolving credit went up 8k over the period of a year since your last prosper loan of 4k. Clearly 10k isn't going to make your credit cards go "Adios." What assurance do lenders have that this isn't a cash grab while your score is still high? - bayareabucks
A: Our only other Prosper loan was to repair water damage on our house that insurance would not cover. We covered the cost of those repairs--over $10,000--both by the prosper loan and additional revolving credit. This loan will cover our credit card debt, not a HELOC that we had before with a lower interest rate. (Nov-21-2009)
Q: What are the rates, balances, and minimum monthly payments on the credit cards that will be paid with this loan? What type of debt is the remainder of your revolving balance and what is the rate? - BAEVentures
A: CITI is now ~ $3000 at 13.24% (min pmt $60). AMEX is ~$6000 at 15.24% (min pmt $125). These and the loan expenses will be paid with the loan. The rest is a Chase HELOC of ~17,000 at 3.75% (min pmt $54). (Nov-23-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
FCandL$25.00$25.0011/27/2009 9:59:37 AM
DonaldColorado$25.00$25.0011/20/2009 10:14:57 AM
lucrative-worth$25.00$25.0011/20/2009 10:16:46 AM
repayment-chef$25.00$25.0011/20/2009 10:17:22 AM
Goodlender42$25.00$25.0011/20/2009 10:17:26 AM
Banker7371$25.00$25.0011/20/2009 10:17:33 AM
five-star-note$25.00$25.0011/20/2009 10:16:32 AM
gizzywump$25.00$25.0011/20/2009 10:16:57 AM
lloyd_s$25.00$25.0011/20/2009 10:17:57 AM
the_winning_ticket$35.00$35.0011/20/2009 10:18:57 AM
Walkingcowboy$25.00$25.0011/20/2009 10:24:21 AM
saahilld$25.00$25.0011/20/2009 10:26:02 AM
Weaverville$25.00$25.0011/20/2009 10:24:00 AM
bchen78875$50.00$50.0011/20/2009 10:24:06 AM
Klearwater_Pools$25.00$25.0011/20/2009 10:29:22 AM
BankOfFrankFairness$50.00$50.0011/20/2009 10:29:51 AM
orange-courageous-dedication$40.00$40.0011/20/2009 10:30:29 AM
rakstar$50.00$50.0011/20/2009 10:32:04 AM
SNH$50.00$50.0011/20/2009 10:33:05 AM
Mr_Marcus$50.00$50.0011/20/2009 10:28:39 AM
don8ter$44.48$44.4811/20/2009 10:29:11 AM
MidLifeCrisis$25.00$25.0011/20/2009 10:33:40 AM
elevated-platinum5$25.00$25.0011/20/2009 10:36:29 AM
trade-pragmatist$25.00$25.0011/20/2009 10:33:29 AM
amit_gu$50.00$50.0011/20/2009 10:34:30 AM
ytjameslee$50.00$50.0011/20/2009 10:40:28 AM
desertoasis$25.00$25.0011/20/2009 10:41:04 AM
museic1$25.00$25.0011/20/2009 10:37:01 AM
divedude$25.00$25.0011/20/2009 10:43:54 AM
keke2000$25.00$25.0011/20/2009 10:52:34 AM
StrongMoney$25.00$25.0011/20/2009 10:41:23 AM
Kerrysbay$25.00$25.0011/20/2009 10:54:35 AM
cordial-bonus$25.00$25.0011/20/2009 10:56:03 AM
jubilant-ore$25.00$25.0011/20/2009 10:59:16 AM
Sixmil$25.00$25.0011/20/2009 11:01:15 AM
miked8303$25.00$25.0011/20/2009 10:16:53 AM
Zarf$50.00$50.0011/20/2009 11:08:26 AM
People-for-people$50.00$50.0011/20/2009 10:54:37 AM
ljay$25.00$25.0011/20/2009 10:54:53 AM
leodaguy$25.00$25.0011/20/2009 10:18:52 AM
Iwantahelp$25.00$25.0011/20/2009 10:55:59 AM
inforapenny$25.00$25.0011/20/2009 10:56:15 AM
KnightKSU$25.00$25.0011/20/2009 11:36:37 AM
burgeoning-silver$25.00$25.0011/20/2009 10:19:28 AM
steves73$25.00$25.0011/20/2009 12:05:20 PM
money-shaker$25.00$25.0011/20/2009 12:29:29 PM
rate-hickory$25.00$25.0011/20/2009 12:40:43 PM
virtualbank$25.00$25.0011/20/2009 12:47:44 PM
GatorBait$44.45$44.4511/20/2009 12:56:04 PM
JJS180$25.00$25.0011/20/2009 12:00:24 PM
Attract$25.00$25.0011/20/2009 10:23:43 AM
zeelender$25.00$25.0011/20/2009 12:56:22 PM
a-responsible-return$25.00$25.0011/20/2009 10:23:47 AM
bruin558$52.10$52.1011/20/2009 12:56:59 PM
personal-lender$25.00$25.0011/20/2009 10:23:53 AM
rmachi$25.00$25.0011/20/2009 10:24:48 AM
iansays1$25.00$25.0011/20/2009 10:25:00 AM
GElender$50.00$50.0011/20/2009 10:25:21 AM
MikeB918$25.00$25.0011/20/2009 1:29:33 PM
Veggie_Monkey$25.00$25.0011/20/2009 1:42:01 PM
MidnightBank$25.00$25.0011/20/2009 12:49:33 PM
airon7$25.00$25.0011/20/2009 1:54:49 PM
888168$50.00$50.0011/20/2009 10:26:31 AM
trade-doughnut5$25.00$25.0011/20/2009 10:29:14 AM
a275ranger$30.00$30.0011/20/2009 1:41:44 PM
gethsemane4$25.00$25.0011/20/2009 10:30:00 AM
kid8549$25.00$25.0011/20/2009 1:42:00 PM
newfoundation$25.00$25.0011/20/2009 1:42:05 PM
honorable-yield$75.00$75.0011/20/2009 10:31:00 AM
best-decisive-peace$25.00$25.0011/20/2009 10:31:14 AM
Minotaur$36.00$36.0011/20/2009 2:24:33 PM
Artist_Blue$25.00$25.0011/20/2009 10:31:33 AM
anton$50.00$50.0011/20/2009 10:34:45 AM
testobsessed$31.61$31.6111/20/2009 2:50:07 PM
nehemiah65$30.00$30.0011/20/2009 3:04:24 PM
lendacity$25.00$25.0011/20/2009 10:35:17 AM
the-bright-velocity$50.00$50.0011/20/2009 10:36:55 AM
CULPEPPERGROUP$25.00$25.0011/20/2009 3:49:28 PM
BrianRK$26.00$26.0011/20/2009 3:54:49 PM
DocMan07$50.00$50.0011/20/2009 10:41:46 AM
Gadgetae86$25.00$25.0011/20/2009 10:41:55 AM
slartibardfast$35.00$35.0011/20/2009 4:50:45 PM
Velocity_Lenders$100.00$100.0011/20/2009 10:44:00 AM
all_of_that_one$25.00$25.0011/20/2009 5:04:26 PM
fdsguy$40.22$40.2211/20/2009 5:04:34 PM
BoutYeBank$25.00$25.0011/20/2009 5:04:46 PM
sensible-trade$25.00$25.0011/20/2009 4:24:34 PM
jswanso2$25.00$25.0011/20/2009 5:24:37 PM
DLock99$50.00$50.0011/20/2009 5:27:08 PM
Gunny89$25.00$25.0011/20/2009 10:58:24 AM
Darkjimson$25.00$25.0011/20/2009 5:04:25 PM
credit-coach118$29.24$29.2411/20/2009 11:00:17 AM
sas19$25.00$25.0011/20/2009 5:04:36 PM
proteinart$25.00$25.0011/20/2009 11:00:38 AM
Cheburashka$30.00$30.0011/20/2009 11:11:06 AM
kayakg$25.00$25.0011/20/2009 5:15:22 PM
minista$25.00$25.0011/20/2009 7:49:57 PM
TK4$25.00$25.0011/20/2009 5:25:41 PM
highcountry1$25.00$25.0011/20/2009 6:19:30 PM
GeoLender$25.00$25.0011/20/2009 7:47:05 PM
mh1169$25.00$25.0011/20/2009 12:51:17 PM
BayShell$40.00$40.0011/20/2009 12:56:52 PM
steady-gain5$25.00$25.0011/20/2009 1:04:38 PM
invincible-marketplace$25.00$25.0011/20/2009 1:35:37 PM
johngaltline$25.00$25.0011/20/2009 1:42:04 PM
compassion-spy$50.00$50.0011/21/2009 1:08:28 AM
KDW08$25.00$25.0011/20/2009 1:55:26 PM
ArtLends$25.00$25.0011/20/2009 2:21:41 PM
caseattle$25.00$25.0011/20/2009 2:24:25 PM
rpg$50.00$50.0011/21/2009 9:47:48 AM
TrustOne$25.00$25.0011/20/2009 3:26:29 PM
neenerman$25.00$25.0011/20/2009 3:39:36 PM
trade-watcher$25.00$25.0011/20/2009 4:44:25 PM
JCMC$25.00$25.0011/21/2009 1:32:20 PM
rjleves$25.00$25.0011/20/2009 5:04:27 PM
keydet99$25.00$25.0011/20/2009 5:04:49 PM
albatross897$25.00$25.0011/20/2009 6:09:29 PM
serene-capital$25.00$25.0011/21/2009 1:51:11 AM
patriot384$100.00$100.0011/22/2009 5:29:45 PM
longisland47m$25.00$25.0011/22/2009 5:12:37 AM
manuvns$25.00$25.0011/22/2009 11:45:47 AM
outofoffice$50.00$50.0011/22/2009 3:09:40 PM
wwwUniversal$25.00$25.0011/23/2009 3:42:52 PM
loss-of-control$100.00$100.0011/23/2009 5:10:10 PM
Cherrypicker$50.00$50.0011/23/2009 10:40:26 PM
cashasaurus0$100.00$100.0011/24/2009 5:28:51 AM
BAEVentures$50.00$50.0011/24/2009 7:10:16 AM
Ven58$25.00$25.0011/24/2009 3:08:15 PM
stockcop$50.00$50.0011/24/2009 5:49:10 PM
rate-hickory$25.00$25.0011/25/2009 8:21:47 AM
Rockymtnhi$31.42$31.4211/25/2009 12:22:09 PM
Syzygy$25.00$25.0011/25/2009 12:05:04 PM
momentous-transaction8$100.00$100.0011/25/2009 12:13:24 PM
julijask$25.00$25.0011/25/2009 2:07:03 PM
RandyL3$25.00$25.0011/25/2009 5:17:17 PM
grf1945$25.00$25.0011/25/2009 7:57:24 PM
G-Love$200.00$200.0011/26/2009 8:54:49 AM
hondo44$31.93$31.9311/26/2009 1:21:55 PM
ddoneday$25.00$25.0011/26/2009 4:30:32 PM
payout-reaction740$25.00$25.0011/26/2009 8:20:12 PM
ProModelA$25.00$25.0011/26/2009 8:41:10 PM
oldman68$25.00$25.0011/26/2009 9:35:06 PM
unk1911$25.00$25.0011/27/2009 6:24:00 AM
organic-platinum$25.00$25.0011/27/2009 4:08:43 AM
Brendan314$50.00$50.0011/27/2009 7:49:48 AM
buffalobills$25.00$25.0011/27/2009 7:53:16 AM
exciting-fairness$200.00$200.0011/27/2009 9:31:42 AM
hydrolucid$25.00$25.0011/27/2009 9:37:30 AM
Rustang$50.00$50.0011/27/2009 10:01:59 AM
friendinmoney$35.00$35.0011/27/2009 10:10:29 AM
forthright-trade$25.00$25.0011/27/2009 10:11:46 AM
hard-working-loot$25.00$25.0011/20/2009 10:17:07 AM
turbospeed$25.00$25.0011/20/2009 10:17:38 AM
zoomdrm57$50.00$50.0011/20/2009 10:17:11 AM
MoneyU4IA$40.00$40.0011/20/2009 10:17:17 AM
Cai8899$75.00$75.0011/20/2009 10:17:52 AM
cash-boots$30.00$30.0011/20/2009 10:18:31 AM
lend_to_you$50.00$50.0011/20/2009 10:18:45 AM
E_G$50.00$50.0011/20/2009 10:19:20 AM
justice-dna$35.00$35.0011/20/2009 10:24:37 AM
BlindProphet$25.00$25.0011/20/2009 10:24:11 AM
gracej$25.00$25.0011/20/2009 10:24:16 AM
newbietony$40.00$40.0011/20/2009 10:27:39 AM
neighborly-hope6$100.00$100.0011/20/2009 10:24:32 AM
thedoctor$40.00$40.0011/20/2009 10:24:44 AM
five-star-justice$36.00$36.0011/20/2009 10:25:48 AM
economy-balance$25.00$25.0011/20/2009 10:25:54 AM
crenen139$100.00$100.0011/20/2009 10:30:19 AM
AF-Chief$35.00$35.0011/20/2009 10:28:20 AM
pleasant-basis$25.00$25.0011/20/2009 10:33:25 AM
open-minded-finance1$25.00$25.0011/20/2009 10:34:09 AM
liederhaus$50.00$50.0011/20/2009 10:34:20 AM
fair-funds$25.00$25.0011/20/2009 10:31:26 AM
DukSerduk$25.00$25.0011/20/2009 10:40:05 AM
the-money-gargantuan$25.00$25.0011/20/2009 10:35:28 AM
Divot$25.00$25.0011/20/2009 10:35:55 AM
gogmagog$100.00$100.0011/20/2009 10:41:28 AM
bluprntguy$25.00$25.0011/20/2009 10:41:58 AM
upc_tnt$25.00$25.0011/20/2009 10:42:04 AM
lowcostmoney$25.00$25.0011/20/2009 10:42:56 AM
japper2353$25.00$25.0011/20/2009 10:43:40 AM
well-rounded-market$25.00$25.0011/20/2009 10:43:43 AM
GOPHERBOY$65.00$65.0011/20/2009 10:39:51 AM
Jassi$25.00$25.0011/20/2009 10:40:35 AM
tisiphone$25.00$25.0011/20/2009 10:42:59 AM
bowdish1$50.00$50.0011/20/2009 10:15:14 AM
Kelor99$25.00$25.0011/20/2009 10:44:04 AM
sidney102$25.00$25.0011/20/2009 10:16:18 AM
wrighco$25.00$25.0011/20/2009 10:16:38 AM
TakeCare$100.00$100.0011/20/2009 10:16:50 AM
antlr$25.00$25.0011/20/2009 10:17:03 AM
sharkm$25.00$25.0011/20/2009 10:19:12 AM
johannesfactotum$25.00$25.0011/20/2009 11:08:05 AM
dansarkis$25.00$25.0011/20/2009 11:14:57 AM
Mowine4me$25.00$25.0011/20/2009 12:37:28 PM
payout-point$50.00$50.0011/20/2009 12:39:17 PM
seattleslug$30.00$30.0011/20/2009 12:56:50 PM
trident9$50.00$50.0011/20/2009 10:24:24 AM
bonus-patriot$50.00$50.0011/20/2009 10:25:27 AM
DeathScythe676$25.00$25.0011/20/2009 1:42:03 PM
evnagelist$50.00$50.0011/20/2009 10:27:34 AM
Havana21$50.00$50.0011/20/2009 10:27:49 AM
usedtoborrow$30.00$30.0011/20/2009 2:24:24 PM
DadWarbucks$25.00$25.0011/20/2009 12:56:58 PM
magical-greenback$55.00$55.0011/20/2009 10:28:30 AM
mikeandcat$50.00$50.0011/20/2009 10:28:43 AM
kulender$25.00$25.0011/20/2009 10:29:19 AM
budyzr$25.00$25.0011/20/2009 1:10:32 PM
nofreelunch$25.00$25.0011/20/2009 1:41:58 PM
Binan$25.00$25.0011/20/2009 2:24:44 PM
Steveoo1$50.00$50.0011/20/2009 10:31:41 AM
vegaslender88$25.00$25.0011/20/2009 10:33:10 AM
verse99$25.00$25.0011/20/2009 10:33:35 AM
1fortheroad$25.00$25.0011/20/2009 10:34:02 AM
revenue-serenity$25.00$25.0011/20/2009 3:20:15 PM
thestartuplender$50.00$50.0011/20/2009 10:36:09 AM
LKN2RTR$25.00$25.0011/20/2009 3:49:23 PM
silktea$25.00$25.0011/20/2009 10:37:26 AM
Residuum$25.00$25.0011/20/2009 3:04:31 PM
acropiloterau2002$25.00$25.0011/20/2009 4:24:33 PM
credit-investor5$100.00$100.0011/20/2009 10:42:14 AM
Georgia_Boy$25.00$25.0011/20/2009 10:42:47 AM
bigballer105$25.00$25.0011/20/2009 10:43:04 AM
Railbird$25.00$25.0011/20/2009 10:44:07 AM
Casman8815$25.00$25.0011/20/2009 5:04:25 PM
Schuld66$25.00$25.0011/20/2009 5:04:29 PM
Castellan$25.00$25.0011/20/2009 5:04:48 PM
jwood3030$25.00$25.0011/20/2009 5:01:22 PM
Gibbyland$41.16$41.1611/20/2009 5:04:28 PM
porkhelmet$25.00$25.0011/20/2009 5:19:35 PM
cowboyskier$30.01$30.0111/20/2009 6:00:42 PM
GeoLender$25.00$25.0011/20/2009 7:46:44 PM
PatRichi$25.00$25.0011/20/2009 12:37:22 PM
flwah$50.00$50.0011/20/2009 12:56:54 PM
Tradesmanlender$25.00$25.0011/20/2009 12:57:06 PM
Masterful1$25.00$25.0011/20/2009 1:42:02 PM
Guerrilla_Man$25.00$25.0011/20/2009 1:54:25 PM
SpectrumCapital$25.00$25.0011/21/2009 8:46:41 AM
LoanDMC$25.00$25.0011/21/2009 8:56:36 AM
KiwiElf$30.00$30.0011/20/2009 3:39:40 PM
bankrushing$50.88$50.8811/21/2009 12:54:07 PM
dumbass$25.00$25.0011/20/2009 5:04:31 PM
hellasow$25.00$25.0011/22/2009 1:52:04 AM
greenwell$50.00$29.3011/20/2009 6:49:37 PM
jybank$25.00$25.0011/20/2009 7:49:46 PM
festivecpl$100.00$100.0011/20/2009 8:01:01 PM
iruz$31.89$31.8911/20/2009 11:29:42 PM
SpectrumFinance$25.00$25.0011/21/2009 8:46:43 AM
orange-finance-banker$25.00$25.0011/21/2009 4:34:55 PM
g314$30.00$30.0011/23/2009 11:41:24 AM
loss-of-control$100.00$100.0011/23/2009 5:48:13 PM
fortune888$25.00$25.0011/23/2009 6:50:22 PM
responsibility-butterfly$25.00$25.0011/24/2009 7:27:30 AM
money-prophesy$100.00$100.0011/24/2009 8:37:46 AM
the-profit-oracle$25.00$25.0011/24/2009 11:16:15 AM
impartial-deal$50.00$50.0011/24/2009 12:11:11 PM
ShowMeLender$25.00$25.0011/24/2009 12:40:08 PM
LittleMingo$25.00$25.0011/24/2009 2:04:33 PM
Pendruce$25.00$25.0011/24/2009 5:48:28 PM
blot44$25.00$25.0011/24/2009 6:09:45 PM
MNMAN21$75.00$75.0011/25/2009 12:00:08 PM
JCMC$25.00$25.0011/25/2009 3:45:11 PM
flshdaskll$25.00$25.0011/25/2009 6:48:45 PM
Blind_Pig$27.00$27.0011/26/2009 5:49:39 AM
Econominator$25.00$25.0011/26/2009 4:57:55 AM
availableloan$25.00$25.0011/26/2009 12:38:51 PM
HappyToLoan$25.00$25.0011/26/2009 2:32:49 PM
Plasticman$50.00$50.0011/26/2009 5:23:06 PM
NaperLender$50.00$50.0011/27/2009 6:25:27 AM
bomdel$25.00$25.0011/27/2009 7:06:57 AM
MoneyForNothing$25.00$25.0011/27/2009 8:08:08 AM
hardworking-treasure$25.00$25.0011/27/2009 9:04:10 AM
WilsonFunds$45.00$45.0011/27/2009 7:56:47 AM
jtoms101$50.00$50.0011/27/2009 9:15:09 AM
NoNameLender$31.31$31.3111/27/2009 9:24:01 AM
jmainc$25.00$25.0011/27/2009 8:33:56 AM
Astyanax$25.00$25.0011/27/2009 9:33:53 AM
Astyanax$25.00$25.0011/27/2009 9:34:21 AM
vine99$50.00$50.0011/27/2009 9:58:02 AM
vine99$50.00$50.0011/27/2009 10:11:57 AM
280 bids
 
Borrower Payment Dependent Notes Series 434457
This series of Notes was issued and sold upon the funding of the borrower loan #39719, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $102.72
Final lender yield: 26.49% Final borrower rate/APR: 27.49% / 29.83% Final monthly payment: $102.72
 
Auction yield range: 11.29% - 26.49% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: May-2000 Debt/Income ratio: 26%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 5 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:10y 0m
Amount delinquent: $0 Revolving credit balance: $1,345 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: dough-aggregator 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
Pay off payday loans
Purpose of loan:
This loan will be used to? pay off payday loans and?to get control of my debt

My financial situation:
I am a good candidate for this loan because? I make sure my payments are always on time. I do have a fair credit score and I am very excited to get my debt under control. I am ashamed?of the?position that I have put myself in, and I want to fix it!?I do have other bills but I am wanting to do this on my own and?not have to ask for a extremely large loan amount. If I am blessed to get this loan I am wanting to pay double payments to get it paid off faster. I have posted a loan in the past but was not exactly sure what I was doing. I also am a very private person and dont like asking for help, but I realize I need it more then ever.

Monthly net income: $ 1400.00

Monthly expenses: $
??Housing: $
??Insurance: $?90.00
??Car expenses: $ 20.00
??Utilities: $
??Phone, cable, internet: $ 75.00
??Food, entertainment: $?50.00
??Clothing, household expenses $
??Credit cards and other loans: $?600.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why do you NOT list your housing expense and what exactly is your occupation? Thanks - RecoveryLender
A: I am actually truley blessed to be living with an amaizing person who is not charging me anything at this time. I would love to help out with utilities but Im not able to do so at this time. My occupation is an Insurance Verification Clerk. I verify and correct insurance information for patients so the bill is not delayed. (Nov-23-2009)
Q: With the payday vultures off your back how does your cash flow situation look with this $100/mo loan? thanks JJ - quickstep
A: If I am granted this loan my cash flow will be so much better. I will be able to attack my medical bills and start paying for household expenses. (Nov-23-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$50.00$50.0011/20/2009 2:36:34 PM
quickstep$100.00$100.0011/21/2009 1:46:10 AM
reflective-rupee$50.00$50.0011/21/2009 11:38:39 AM
hellasow$25.00$25.0011/22/2009 2:14:38 AM
quickstep$100.00$100.0011/21/2009 8:30:01 AM
thestartuplender$100.00$100.0011/23/2009 4:23:30 AM
exciting-fairness$150.00$150.0011/21/2009 4:39:43 PM
building_community$25.00$25.0011/21/2009 4:55:55 PM
honorable-yield$25.00$25.0011/23/2009 7:54:40 AM
Bob450$25.00$25.0011/22/2009 5:49:52 PM
BankofRon$25.00$25.0011/23/2009 4:25:39 PM
impartial-deal$25.00$25.0011/24/2009 12:37:48 PM
well-mannered-income3$50.00$50.0011/25/2009 8:01:24 AM
tolerant-income$25.00$25.0011/25/2009 5:12:43 PM
marwadi-62$50.00$50.0011/25/2009 7:27:10 PM
reflective-rupee$25.00$25.0011/20/2009 2:42:13 PM
JustMee$25.00$25.0011/20/2009 5:20:09 PM
reflective-rupee$50.00$50.0011/21/2009 11:38:16 AM
reflective-rupee$500.00$500.0011/21/2009 11:39:08 AM
quickstep$25.00$25.0011/21/2009 3:05:00 PM
reflective-rupee$125.00$125.0011/22/2009 7:01:53 AM
quickstep$60.00$60.0011/21/2009 8:33:17 AM
mt3209$25.00$25.0011/22/2009 5:52:13 PM
reflective-rupee$50.00$50.0011/21/2009 11:38:51 AM
well-mannered-income3$100.00$100.0011/21/2009 4:52:10 PM
silvercertificate$30.00$30.0011/21/2009 8:08:27 PM
quickstep$250.00$250.0011/23/2009 4:21:22 PM
SV-AZ$50.00$50.0011/23/2009 8:52:50 PM
reciprocate$100.00$100.0011/24/2009 10:41:37 AM
silvercertificate$25.00$25.0011/24/2009 11:38:48 AM
Redmond$25.00$25.0011/24/2009 3:44:21 PM
scarlet-velvet$25.00$25.0011/25/2009 10:34:48 AM
aztec$50.00$50.0011/25/2009 1:24:44 PM
blue-silver-ruler$25.00$25.0011/25/2009 4:33:11 PM
victorcab$50.00$50.0011/25/2009 10:21:40 PM
quickstep$25.00$5.0011/26/2009 5:43:55 AM
the-profit-oracle$25.00$25.0011/26/2009 5:26:58 AM
weepeople$30.00$30.0011/26/2009 7:29:43 AM
38 bids
 
Borrower Payment Dependent Notes Series 434493
This series of Notes was issued and sold upon the funding of the borrower loan #39780, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Nov-20-2009 
  Auction end date:  Nov-27-2009 
 
Starting lender yield: 10.04% Starting borrower rate/APR: 11.04% / 11.39% Starting monthly payment: $393.09
Final lender yield: 9.50% Final borrower rate/APR: 10.50% / 10.85% Final monthly payment: $390.03
 
Auction yield range: 3.29% - 10.04% 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: 8 First credit line: Nov-1992 Debt/Income ratio: 34%
Credit score: 820-839 (Nov-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $1,423 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: best-elegant-vigilance 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
Business line of credit
Purpose of loan:
I need this loan to help supplement cash flow in my business for a short period. We have to make payroll through December and most of our receivables are not do until mid to late December.?I am hoping to find an alternative to cash advances on credit cards. I have never done this and don't want to start now. I would much rather the fees and interest go into a smaller pocket. (maybe one that is not getting bailed out by the gov't.)?

My financial situation:
We have?current receivables in excess of $70k and have accumulated over $30k in assets in the last year. We started this business in August of 2008 and despite the?economic down-turn, we have managed to beat the odds with virtually no loans. I have been a "B of A" customer for almost 20 years and yet,?they will not even listen to my request because they have become such a "big box".
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What goods or services does your company provide? - CIC
A: We are a custom metal designer/fabricator. We also make high end repairs to industrial machinery as a service. We are a full service operation whereas we often complete turn-key installations of our products. Our customer base is made up of 95% manufacturers and 5% heavy civil contractors. (Nov-21-2009)
Q: 3 questions. How many full and part time employees do you have? What were gross sales for Aug-08 through Jul-09 (first 12 months in business)? Lastly, how large is your customer base? A couple big customers or many small? Thanks and good luck! - BAEVentures
A: Great questions. 1) We have 5 full time employees. 2) $464k in gross sales during that period. 3) 10-15 customers ranging from $1200/yr. to $160k/yr. Thanks for the questions. (Nov-25-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
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flshdaskll$25.00$25.0011/25/2009 6:49:06 PM
grf1945$25.00$25.0011/25/2009 7:57:26 PM
Mauler$62.00$62.0011/25/2009 8:42:45 PM
SpotLending$50.00$50.0011/26/2009 6:51:07 AM
cashasaurus0$500.00$500.0011/26/2009 6:01:28 AM
special-truth$150.00$150.0011/26/2009 3:55:22 PM
Plasticman$50.00$50.0011/26/2009 5:23:42 PM
OzGuy609$25.00$25.0011/26/2009 6:30:10 PM
ussugm$25.00$25.0011/26/2009 8:53:48 PM
oldman68$25.00$25.0011/26/2009 9:41:06 PM
MonkeyHero$25.00$25.0011/27/2009 7:35:34 AM
JDL51$85.00$85.0011/27/2009 7:41:13 AM
leverage-monger$25.00$25.0011/27/2009 9:10:59 AM
ManhattanLender$25.00$25.0011/27/2009 10:27:16 AM
a-important-leverage$50.00$50.0011/27/2009 12:03:15 PM
MattProsper$40.70$40.7011/27/2009 1:39:54 PM
durability-colonel$50.00$50.0011/27/2009 12:15:40 PM
janus_god$26.00$26.0011/27/2009 2:12:05 PM
friendinmoney$25.00$25.0011/27/2009 2:35:42 PM
caseattle$25.00$25.0011/27/2009 1:31:19 PM
338 bids
 
Borrower Payment Dependent Notes Series 434641
This series of Notes was issued and sold upon the funding of the borrower loan #39716, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-24-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 13.06% Starting monthly payment: $98.13
Final lender yield: 9.40% Final borrower rate/APR: 10.40% / 12.51% Final monthly payment: $97.37
 
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: 9 First credit line: Jan-1995 Debt/Income ratio: 34%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:8y 10m
Amount delinquent: $0 Revolving credit balance: $1,975 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: the-ectasy736 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: 1 / 1 On-time: 13 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
760-779 (Sep-2008)
 
Principal balance: $292.96 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
WannaBePhotographer
Purpose of loan:
This loan will be used to? Pay off a few loose bills in order to take a photography class, maybe buy a camera and go from there.

My financial situation:
I am a good candidate for this loan because?I have successfully made on-time payments with my current loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lucrative-worth$25.00$25.0011/23/2009 4:07:41 PM
ljay$25.00$25.0011/23/2009 4:06:49 PM
peaceful-trade$25.00$25.0011/23/2009 4:03:19 PM
Kerrysbay$25.00$25.0011/23/2009 4:07:00 PM
Jassi$25.00$25.0011/23/2009 4:35:35 PM
StrongMoney$25.00$25.0011/23/2009 4:35:45 PM
elevated-platinum5$25.00$25.0011/23/2009 4:35:07 PM
credit-investor5$100.00$100.0011/23/2009 4:35:53 PM
sidney102$25.00$25.0011/23/2009 4:37:00 PM
bigballer105$25.00$25.0011/23/2009 4:36:06 PM
TakeCare$100.00$100.0011/23/2009 4:38:11 PM
zoomdrm57$50.00$50.0011/23/2009 4:38:53 PM
lloyd_s$25.00$25.0011/23/2009 4:40:11 PM
a-responsible-return$25.00$25.0011/23/2009 4:41:35 PM
leodaguy$25.00$25.0011/23/2009 4:40:36 PM
BlindProphet$25.00$25.0011/23/2009 4:42:22 PM
the_winning_ticket$35.00$35.0011/23/2009 4:40:47 PM
E_G$50.00$50.0011/23/2009 4:41:05 PM
888168$50.00$50.0011/23/2009 4:43:42 PM
gracej$25.00$25.0011/23/2009 4:42:34 PM
Walkingcowboy$25.00$25.0011/23/2009 4:42:51 PM
trident9$50.00$50.0011/23/2009 4:43:01 PM
mikeandcat$50.00$50.0011/23/2009 4:44:27 PM
rmachi$25.00$25.0011/23/2009 4:43:24 PM
GElender$50.00$50.0011/23/2009 4:43:35 PM
Mr_Marcus$50.00$50.0011/23/2009 4:44:25 PM
trade-doughnut5$25.00$25.0011/23/2009 4:44:37 PM
orange-courageous-dedication$40.00$40.0011/23/2009 4:45:29 PM
lendacity$25.00$25.0011/23/2009 4:47:13 PM
SNH$50.00$50.0011/23/2009 4:46:14 PM
trade-pragmatist$25.00$25.0011/23/2009 4:46:34 PM
Avid_Skier$25.00$25.0011/23/2009 4:48:43 PM
skvat$25.00$25.0011/23/2009 4:49:06 PM
highcountry1$25.00$25.0011/23/2009 4:48:30 PM
don8ter$58.64$58.6411/23/2009 4:49:42 PM
museic1$25.00$25.0011/23/2009 4:35:13 PM
miked8303$25.00$25.0011/23/2009 4:38:20 PM
gizzywump$25.00$25.0011/23/2009 4:38:29 PM
MoneyU4IA$40.00$40.0011/23/2009 4:38:59 PM
Banker7371$25.00$25.0011/23/2009 4:39:45 PM
Weaverville$25.00$25.0011/23/2009 4:41:58 PM
justice-dna$35.00$35.0011/23/2009 4:43:18 PM
evnagelist$50.00$50.0011/23/2009 4:43:50 PM
Klearwater_Pools$25.00$25.0011/23/2009 4:44:51 PM
gethsemane4$25.00$25.0011/23/2009 4:45:12 PM
crenen139$100.00$100.0011/23/2009 4:45:21 PM
vegaslender88$25.00$25.0011/23/2009 4:46:22 PM
the-money-gargantuan$25.00$25.0011/23/2009 4:47:24 PM
credit-coach118$50.00$50.0011/23/2009 4:49:25 PM
djh47a$40.00$36.3611/23/2009 4:50:35 PM
JCMC$25.00$25.0011/23/2009 6:56:31 PM
ytjameslee$50.00$50.0011/23/2009 4:35:30 PM
keke2000$25.00$25.0011/23/2009 4:36:28 PM
hard-working-loot$25.00$25.0011/23/2009 4:38:42 PM
lend_to_you$50.00$50.0011/23/2009 4:40:27 PM
repayment-chef$25.00$25.0011/23/2009 4:39:28 PM
Goodlender42$25.00$25.0011/23/2009 4:39:37 PM
burgeoning-silver$25.00$25.0011/23/2009 4:41:14 PM
sharkm$25.00$25.0011/23/2009 4:40:57 PM
Attract$25.00$25.0011/23/2009 4:41:26 PM
personal-lender$25.00$25.0011/23/2009 4:41:45 PM
bchen78875$50.00$50.0011/23/2009 4:42:10 PM
kulender$25.00$25.0011/23/2009 4:44:41 PM
BankOfFrankFairness$50.00$50.0011/23/2009 4:45:01 PM
newbietony$40.00$40.0011/23/2009 4:43:57 PM
Havana21$50.00$50.0011/23/2009 4:44:02 PM
AF-Chief$35.00$35.0011/23/2009 4:44:09 PM
fair-funds$25.00$25.0011/23/2009 4:45:50 PM
honorable-yield$75.00$75.0011/23/2009 4:45:35 PM
best-decisive-peace$25.00$25.0011/23/2009 4:45:43 PM
neenerman$25.00$25.0011/23/2009 4:50:10 PM
DukSerduk$25.00$25.0011/23/2009 4:35:24 PM
proteinart$25.00$25.0011/23/2009 4:37:23 PM
neighborly-hope6$100.00$100.0011/23/2009 4:43:12 PM
magical-greenback$55.00$55.0011/23/2009 4:44:17 PM
Artist_Blue$25.00$25.0011/23/2009 4:45:57 PM
thestartuplender$50.00$50.0011/23/2009 4:47:34 PM
DLock99$50.00$50.0011/23/2009 4:48:24 PM
Gnube$25.00$25.0011/23/2009 4:48:52 PM
DonaldColorado$25.00$25.0011/23/2009 4:49:15 PM
baroo$25.00$25.0011/23/2009 5:15:50 PM
impartial-deal$50.00$50.0011/24/2009 12:40:46 PM
82 bids
 
Borrower Payment Dependent Notes Series 434673
This series of Notes was issued and sold upon the funding of the borrower loan #39747, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Nov-23-2009 
  Auction end date:  Nov-26-2009 
 
Starting lender yield: 23.04% Starting borrower rate/APR: 24.04% / 26.33% Starting monthly payment: $471.05
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 23.25% Final monthly payment: $452.10
 
Auction yield range: 8.29% - 23.04% Estimated loss impact: 7.47%  
Lender servicing fee: 1.00% Estimated return: 12.53%  
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: Dec-1993 Debt/Income ratio: 28%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:16y 2m
Amount delinquent: $0 Revolving credit balance: $16,404 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: j224blue Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 780-799 (Latest)
Principal borrowed: $22,000.00< mo. late: 0 ( 0% )  
760-779 (Apr-2008)
 
Principal balance: $11,456.13 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Paying off my interest credit cards
Purpose of loan:
This loan will be used as a direct personal loan to pay off my high interest credit card debt. This is my second loan from Prosper and I have never
paid late or missed a payment. Due to the pending credit card reform legislation my interest rates have been raised from 7% to 29% even though
I have a perfect payment history.

My financial situation:
I am a good candidate for this loan because I am financially stable and make a good living I've had the same job for 15 years. I purchased my condo 3 years ago and will shortly earn a 2.5%?ownership interest in both the Heron House and The Heron house Court Guesthouses(worth about $250,000)?I currently have $37,000 in my simple IRA. My Monthly budget is below and?my current income is $111000.00 per year.
Monthly Income: $8586.00
Expenses: Mortgage $1604.90, Condo dues $500, Ins. $125, Car $218, Life Ins $189, Electric $195, Credit cards $1000,
Raymond James $600, Cable $130, BC & BS $119.50, Property taxes $409.61, Sprint $97, Help for my parents $1000,
Food and Misc $450.
Total Expenses $6638.00
Total available to pay prosper $1948.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
money-maniac$25.00$25.0011/23/2009 4:00:30 PM
misterhobbs$25.00$25.0011/23/2009 4:00:41 PM
create42xn$25.00$25.0011/23/2009 4:00:51 PM
jgalt$25.00$25.0011/23/2009 4:01:03 PM
LandoC1$25.00$25.0011/23/2009 4:01:06 PM
social-gatherer7$25.00$25.0011/23/2009 4:01:34 PM
eighttone$25.00$25.0011/23/2009 4:00:19 PM
JoshE$25.00$25.0011/23/2009 4:00:47 PM
LendGuy$25.00$25.0011/23/2009 4:00:57 PM
Sefotonga$25.00$25.0011/23/2009 4:04:58 PM
mikeandcat$50.00$50.0011/23/2009 4:05:02 PM
poeman$25.00$25.0011/23/2009 4:05:05 PM
Rogesparkguy$25.00$25.0011/23/2009 4:05:28 PM
Sam65$25.00$25.0011/23/2009 4:05:34 PM
IIP77$25.00$25.0011/23/2009 4:04:06 PM
4est$25.00$25.0011/23/2009 4:07:16 PM
desertoasis$25.00$25.0011/23/2009 4:07:20 PM
reflective-rupee$25.00$25.0011/23/2009 4:06:02 PM
red-favorable-basis$25.00$25.0011/23/2009 4:06:05 PM
affluence-tycoon$25.00$25.0011/23/2009 4:09:49 PM
five-star-note$25.00$25.0011/23/2009 4:07:30 PM
cash-boots$25.00$25.0011/23/2009 4:07:34 PM
dinero-mason$50.00$50.0011/23/2009 4:08:30 PM
charming-point$100.00$100.0011/23/2009 4:08:39 PM
sloan$25.00$25.0011/23/2009 4:11:05 PM
dedicated-diversification5$65.00$65.0011/23/2009 4:08:53 PM
honorable-yield$35.00$35.0011/23/2009 4:09:17 PM
CarDealer3070$30.00$30.0011/23/2009 4:09:23 PM
wise-extraordinary-loot$30.00$30.0011/23/2009 4:12:04 PM
swoosh$25.00$25.0011/23/2009 4:12:48 PM
RetiredATC$25.00$25.0011/23/2009 4:12:53 PM
Artist_Blue$25.00$25.0011/23/2009 4:10:42 PM
chicco$80.00$80.0011/23/2009 4:13:12 PM
justice-dna$25.00$25.0011/23/2009 4:11:46 PM
benefit-squirrel$30.00$30.0011/23/2009 4:14:00 PM
rolandweary$40.00$40.0011/23/2009 4:12:26 PM
museic1$50.00$50.0011/23/2009 4:12:29 PM
WalnutCreekguy$33.00$33.0011/23/2009 4:13:03 PM
Banker7371$25.00$25.0011/23/2009 4:15:06 PM
GElender$25.00$25.0011/23/2009 4:15:53 PM
five-star-justice$36.00$36.0011/23/2009 4:14:37 PM
fareast_man$25.00$25.0011/23/2009 4:16:33 PM
Cash_Angel$25.00$25.0011/23/2009 4:16:41 PM
harperpotok$100.00$100.0011/23/2009 4:15:42 PM
steady-gain5$25.00$25.0011/23/2009 4:17:29 PM
pietro_torna_indietro$25.00$25.0011/23/2009 4:16:45 PM
don8ter$25.00$25.0011/23/2009 4:18:30 PM
ekn_enterprises$25.00$25.0011/23/2009 4:17:16 PM
djindepth$50.00$50.0011/23/2009 4:19:02 PM
asiaratt$100.00$100.0011/23/2009 4:17:52 PM
Vreet$25.00$25.0011/23/2009 4:19:11 PM
steves73$25.00$25.0011/23/2009 4:19:34 PM
ThompsonCapital$25.00$25.0011/23/2009 4:00:26 PM
Cheburashka$25.00$25.0011/23/2009 4:20:12 PM
RationalWorld$25.00$25.0011/23/2009 4:00:29 PM
crenen139$25.00$25.0011/23/2009 4:19:18 PM
Wangersinc$25.00$25.0011/23/2009 4:00:39 PM
Kansas$25.00$25.0011/23/2009 4:19:27 PM
californiakhan$25.00$25.0011/23/2009 4:00:46 PM
copper$30.00$30.0011/23/2009 4:20:39 PM
ryan23$25.00$25.0011/23/2009 4:19:44 PM
trustu$25.00$25.0011/23/2009 4:20:55 PM
bigdogsafety1$25.00$25.0011/23/2009 4:21:16 PM
JohnW12$25.00$25.0011/23/2009 4:20:14 PM
pleasant-basis$25.00$25.0011/23/2009 4:21:38 PM
cash-vault$25.00$25.0011/23/2009 4:21:41 PM
Hogpilot$25.00$25.0011/23/2009 4:20:41 PM
cbz$25.00$25.0011/23/2009 4:22:00 PM
penny-surgeon$25.00$25.0011/23/2009 4:21:34 PM
doublediamond$25.00$25.0011/23/2009 4:21:50 PM
crazycool$35.00$35.0011/23/2009 4:04:22 PM
vegaslender88$25.00$25.0011/23/2009 4:23:26 PM
AF-Chief$35.00$35.0011/23/2009 4:04:51 PM
elevated-platinum5$25.00$25.0011/23/2009 4:22:49 PM
The_Donald$25.00$25.0011/23/2009 4:24:36 PM
Tradesmanlender$25.00$25.0011/23/2009 4:24:45 PM
VentureExplorer$25.00$25.0011/23/2009 4:05:09 PM
DrStaff$30.13$30.1311/23/2009 4:25:05 PM
scoobiedoo$25.00$25.0011/23/2009 4:05:18 PM
scottr$25.00$25.0011/23/2009 4:24:02 PM
ben10jen$25.00$25.0011/23/2009 4:24:08 PM
AhmedAMoussa$50.00$50.0011/23/2009 4:24:16 PM
visionary-currency$50.00$50.0011/23/2009 4:24:44 PM
BlindJoeDeath$25.00$25.0011/23/2009 4:26:49 PM
kingbutthd$25.00$25.0011/23/2009 4:27:02 PM
hptcrabbers$25.00$25.0011/23/2009 4:25:22 PM
internetwolf$25.00$25.0011/23/2009 4:27:55 PM
twirl2$25.00$25.0011/23/2009 4:27:59 PM
Skiph$25.00$25.0011/23/2009 4:25:40 PM
bluprntguy$25.00$25.0011/23/2009 4:25:58 PM
bdloans$100.00$100.0011/23/2009 4:28:15 PM
Chuck9802$25.00$25.0011/23/2009 4:26:11 PM
TheoProf$25.00$25.0011/23/2009 4:26:43 PM
useful-p2ploan$50.00$50.0011/23/2009 4:26:53 PM
orange-preeminant-bill$100.00$100.0011/23/2009 4:27:05 PM
HeavyDriver03$25.00$25.0011/23/2009 4:29:38 PM
the-exact-marketplace$25.00$25.0011/23/2009 4:27:45 PM
LongTail$25.00$25.0011/23/2009 4:28:07 PM
jlr613$25.00$25.0011/23/2009 4:28:12 PM
treasure-bliss$50.00$50.0011/23/2009 4:08:57 PM
reflective-rupee$25.00$25.0011/23/2009 4:28:40 PM
Carpetkid$25.00$25.0011/23/2009 4:30:48 PM
Turtlebear44$25.00$25.0011/23/2009 4:09:02 PM
gizzywump$25.00$25.0011/23/2009 4:09:34 PM
Trimalchio12$25.00$25.0011/23/2009 4:31:53 PM
educationfirst$25.00$25.0011/23/2009 4:32:01 PM
kulender$25.00$25.0011/23/2009 4:32:09 PM
hope-eagle6$25.00$25.0011/23/2009 4:30:26 PM
the-bright-velocity$50.00$50.0011/23/2009 4:30:46 PM
E_G$30.00$30.0011/23/2009 4:10:16 PM
ramblin$25.00$25.0011/23/2009 4:30:54 PM
aasx1108$25.00$25.0011/23/2009 4:32:35 PM
BuffetRocks$50.00$50.0011/23/2009 4:31:00 PM
cheng$25.00$25.0011/23/2009 4:32:41 PM
tremendous-payment$25.00$25.0011/23/2009 4:10:30 PM
Halos2002$50.00$50.0011/23/2009 4:32:58 PM
Westerly$50.00$50.0011/23/2009 4:33:01 PM
gold-sushi$25.00$25.0011/23/2009 4:10:41 PM
BidPlace$25.00$25.0011/23/2009 4:33:11 PM
roto$25.00$25.0011/23/2009 4:31:47 PM
nick5454$39.35$39.3511/23/2009 4:33:17 PM
Aquani$50.00$50.0011/23/2009 4:31:54 PM
Eagledrop$25.00$25.0011/23/2009 4:33:21 PM
brother_tam$50.00$50.0011/23/2009 4:10:57 PM
zeelender$25.00$25.0011/23/2009 4:32:08 PM
NATIVEBORN$25.00$25.0011/23/2009 4:33:39 PM
mathprof$25.00$25.0011/23/2009 4:34:10 PM
the-silver-blaster$60.00$60.0011/23/2009 4:33:18 PM
Champpilot$50.00$50.0011/23/2009 4:33:25 PM
EnigmaNYC-29$25.00$25.0011/23/2009 4:11:57 PM
mmqc$25.00$25.0011/23/2009 4:33:56 PM
skiberdad$50.00$50.0011/23/2009 4:34:07 PM
yield-lion$25.00$25.0011/23/2009 4:12:41 PM
jybank$25.00$25.0011/23/2009 4:34:44 PM
exact-justice$25.00$25.0011/23/2009 4:13:54 PM
shrewd-deal$25.00$25.0011/23/2009 4:14:25 PM
slartibardfast$25.00$25.0011/23/2009 4:15:19 PM
888168$25.00$25.0011/23/2009 4:15:36 PM
delivery$25.00$25.0011/23/2009 4:16:08 PM
louisianalender$100.00$100.0011/23/2009 4:16:14 PM
fcb202$25.00$25.0011/23/2009 4:16:24 PM
greenwell$25.00$25.0011/23/2009 4:16:48 PM
loan-master996$50.00$50.0011/23/2009 4:17:05 PM
hyetech$35.00$35.0011/23/2009 4:17:21 PM
silver-armada$100.00$100.0011/23/2009 4:17:31 PM
cognizant-wealth$25.00$25.0011/23/2009 4:17:41 PM
murlirao2002$25.00$25.0011/23/2009 4:18:04 PM
Speculator$25.00$25.0011/23/2009 4:18:16 PM
mamayama$25.00$25.0011/23/2009 4:18:39 PM
vkorichkov$30.00$30.0011/23/2009 4:18:45 PM
laudable-balance$25.00$25.0011/23/2009 4:18:48 PM
KVEER$25.00$25.0011/23/2009 4:18:59 PM
Macinvest$25.00$25.0011/23/2009 4:19:42 PM
yeti888$25.00$25.0011/23/2009 4:20:29 PM
HAVEANICEDAY$25.00$25.0011/23/2009 4:20:34 PM
forthright-dedication$50.00$50.0011/23/2009 4:21:21 PM
LEWK25$25.00$25.0011/23/2009 4:21:31 PM
Comoparklender$25.00$25.0011/23/2009 4:21:56 PM
sociallender$25.00$25.0011/23/2009 4:46:55 PM
matrix456$25.00$25.0011/23/2009 4:22:15 PM
Dreams4Cash$25.00$25.0011/23/2009 4:23:21 PM
granitepk$25.00$25.0011/23/2009 4:24:06 PM
Unclejohn$25.00$25.0011/23/2009 4:24:19 PM
money-explorer3$25.00$25.0011/23/2009 4:24:23 PM
profitable-durability6$25.00$25.0011/23/2009 4:24:27 PM
keeks$25.00$25.0011/23/2009 4:24:49 PM
Gabriel02$25.00$25.0011/23/2009 4:25:14 PM
Ivan2007$50.00$50.0011/23/2009 4:25:51 PM
jpjones86$25.00$25.0011/23/2009 4:27:44 PM
RochelleW$50.00$50.0011/23/2009 4:28:04 PM
return-elm$25.00$25.0011/23/2009 4:28:21 PM
deal-pioneer1$25.00$25.0011/23/2009 4:29:43 PM
bradny$25.00$25.0011/23/2009 4:30:12 PM
108lender$78.33$78.3311/23/2009 4:30:34 PM
payout-carnival$25.00$25.0011/23/2009 4:30:39 PM
gracej$25.00$25.0011/23/2009 4:31:49 PM
dollar-oracle55$25.00$25.0011/23/2009 4:31:57 PM
jack4875$25.00$25.0011/23/2009 4:32:32 PM
carlover$25.00$25.0011/23/2009 4:32:37 PM
Josta$50.00$50.0011/23/2009 4:32:45 PM
Sibelius2$25.00$25.0011/23/2009 4:32:47 PM
sensible-trade$25.00$25.0011/23/2009 4:32:54 PM
aldeed$25.00$25.0011/23/2009 4:33:15 PM
p2p-allocator$25.00$25.0011/23/2009 4:33:23 PM
rjleves$25.00$25.0011/23/2009 4:33:29 PM
thedreamer$25.00$25.0011/23/2009 4:33:31 PM
kmwvma$25.00$25.0011/23/2009 4:33:54 PM
KiwiElf$25.00$25.0011/23/2009 4:34:03 PM
RedCentre$84.15$84.1511/23/2009 5:10:53 PM
YoungSuccessLLC$25.00$25.0011/23/2009 5:19:17 PM
fostaman$25.00$25.0011/23/2009 5:27:43 PM
GOPHERBOY$100.00$100.0011/23/2009 6:59:26 PM
loss-of-control$100.00$100.0011/23/2009 7:04:18 PM
mmzero$25.00$25.0011/24/2009 9:13:57 AM
Sol_Invictus$25.00$25.0011/24/2009 12:30:23 PM
felicity-daydream$50.00$50.0011/24/2009 1:27:42 PM
professional-finance$25.00$25.0011/24/2009 2:34:03 PM
the-profit-oracle$25.00$25.0011/24/2009 2:37:02 PM
grf1945$25.00$25.0011/25/2009 7:52:01 PM
WilliamLeeSims$25.00$25.0011/23/2009 4:01:12 PM
nowits10$25.00$25.0011/23/2009 4:01:36 PM
Phantom99$25.00$25.0011/23/2009 4:00:22 PM
smurf163$25.00$25.0011/23/2009 4:00:37 PM
lobster$25.00$25.0011/23/2009 4:01:00 PM
gold-disk$50.00$50.0011/23/2009 4:05:16 PM
anton$50.00$50.0011/23/2009 4:05:52 PM
money2k$25.00$25.0011/23/2009 4:03:41 PM
ScottW$25.00$25.0011/23/2009 4:03:46 PM
utukxul$25.00$25.0011/23/2009 4:03:59 PM
hard-working-loot$25.00$25.0011/23/2009 4:04:17 PM
booksleuth$50.00$50.0011/23/2009 4:04:29 PM
skuba$25.00$25.0011/23/2009 4:04:33 PM
DadWarbucks$25.00$25.0011/23/2009 4:05:23 PM
Diamond_Jim$25.00$25.0011/23/2009 4:08:20 PM
YogaDude34$50.00$50.0011/23/2009 4:06:19 PM
spitzbergen$25.00$25.0011/23/2009 4:09:13 PM
rmachi$25.00$25.0011/23/2009 4:09:42 PM
sharkm$25.00$25.0011/23/2009 4:10:11 PM
tallmon$25.00$25.0011/23/2009 4:08:47 PM
truth-eclair$25.00$25.0011/23/2009 4:11:10 PM
currency-cigar4$25.00$25.0011/23/2009 4:11:23 PM
miked8303$25.00$25.0011/23/2009 4:09:30 PM
personal-lender$25.00$25.0011/23/2009 4:12:11 PM
bonus-buddy2$35.00$35.0011/23/2009 4:12:30 PM
newbietony$25.00$25.0011/23/2009 4:10:06 PM
Clambake$50.00$50.0011/23/2009 4:12:36 PM
bchen78875$25.00$25.0011/23/2009 4:12:57 PM
jeg3k$25.00$25.0011/23/2009 4:13:16 PM
xstreamin$25.00$25.0011/23/2009 4:13:38 PM
value-pole$25.00$25.0011/23/2009 4:11:28 PM
wayman$50.00$50.0011/23/2009 4:13:47 PM
czar3$30.00$30.0011/23/2009 4:12:10 PM
hitsman$50.00$50.0011/23/2009 4:14:18 PM
socialbanker$25.00$25.0011/23/2009 4:13:21 PM
VBAces$50.00$50.0011/23/2009 4:15:27 PM
youqianderen$50.00$50.0011/23/2009 4:13:25 PM
MoneyU4IA$25.00$25.0011/23/2009 4:15:32 PM
syounker$25.00$25.0011/23/2009 4:15:46 PM
ThomasCrown$30.00$30.0011/23/2009 4:13:42 PM
Dutchhunter$25.00$25.0011/23/2009 4:13:46 PM
ryelk$25.00$25.0011/23/2009 4:16:06 PM
wiltonbound$25.00$25.0011/23/2009 4:14:09 PM
beezling$52.00$52.0011/23/2009 4:17:00 PM
mtquan$25.00$25.0011/23/2009 4:15:49 PM
digitalrinaldo$25.00$25.0011/23/2009 4:17:47 PM
wise-cash-keeper$25.00$25.0011/23/2009 4:17:55 PM
GMPK_TLAS$25.00$25.0011/23/2009 4:16:54 PM
DosPassos$25.00$25.0011/23/2009 4:18:28 PM
tsquared_030$25.00$25.0011/23/2009 4:18:01 PM
integrity-spilunker$25.00$25.0011/23/2009 4:19:31 PM
ljay$25.00$25.0011/23/2009 4:18:53 PM
LAKESPRING$25.00$25.0011/23/2009 4:18:56 PM
gethsemane4$25.00$25.0011/23/2009 4:19:08 PM
melodious-fairness$25.00$25.0011/23/2009 4:20:05 PM
thestartuplender$35.00$35.0011/23/2009 4:19:15 PM
lodcomm$25.00$25.0011/23/2009 4:00:33 PM
fair-funds$25.00$25.0011/23/2009 4:20:24 PM
ladyonthebay$25.00$25.0011/23/2009 4:00:54 PM
assetmanager$25.00$25.0011/23/2009 4:01:11 PM
orange-courageous-dedication$30.00$30.0011/23/2009 4:19:39 PM
angelinvestor01$25.00$25.0011/23/2009 4:20:51 PM
imlosttoo$25.00$25.0011/23/2009 4:01:44 PM
buddy486$25.00$25.0011/23/2009 4:20:37 PM
sidney102$50.00$50.0011/23/2009 4:21:54 PM
tom48l$25.00$25.0011/23/2009 4:21:05 PM
burrito6$25.00$25.0011/23/2009 4:22:08 PM
meteoric-asset4$25.00$25.0011/23/2009 4:21:16 PM
mpactlender$25.00$25.0011/23/2009 4:21:23 PM
MakoF16$50.00$50.0011/23/2009 4:21:45 PM
3am-preacher$25.00$25.0011/23/2009 4:22:21 PM
wise-spirited-nickel$25.00$25.0011/23/2009 4:04:43 PM
impeccable-transparency$50.00$50.0011/23/2009 4:22:41 PM
copperfield$25.00$25.0011/23/2009 4:24:13 PM
chlebie$50.00$50.0011/23/2009 4:24:39 PM
nodrivelpls$25.00$25.0011/23/2009 4:25:10 PM
omerta6102$50.00$50.0011/23/2009 4:25:33 PM
Chakma$25.00$25.0011/23/2009 4:23:56 PM
duty-monger$50.00$50.0011/23/2009 4:26:13 PM
CrossCreek$25.00$25.0011/23/2009 4:26:23 PM
rvtbike$50.00$50.0011/23/2009 4:24:32 PM
topher515$25.00$25.0011/23/2009 4:26:35 PM
unclejaef$25.00$25.0011/23/2009 4:06:14 PM
selfmademan$25.00$25.0011/23/2009 4:25:06 PM
intelligent-asset8$25.00$25.0011/23/2009 4:27:18 PM
ferocious-exchange3$25.00$25.0011/23/2009 4:27:33 PM
GOPHERBOY$60.00$60.0011/23/2009 4:25:31 PM
direct-yield$25.00$25.0011/23/2009 4:28:01 PM
thoughtful-dedication$25.00$25.0011/23/2009 4:28:09 PM
euro-mirth$25.00$25.0011/23/2009 4:26:07 PM
BayShell$40.00$40.0011/23/2009 4:28:31 PM
checkuto$25.00$25.0011/23/2009 4:26:39 PM
accordion8$50.00$50.0011/23/2009 4:26:45 PM
rosario1$25.00$25.0011/23/2009 4:27:29 PM
lloyd_s$25.00$25.0011/23/2009 4:08:27 PM
mrscenicroute$25.00$25.0011/23/2009 4:27:53 PM
financial-frenzy$50.00$50.0011/23/2009 4:30:05 PM
chief_wo$25.00$25.0011/23/2009 4:28:25 PM
JKEnterprises$25.00$25.0011/23/2009 4:28:28 PM
Havana21$50.00$50.0011/23/2009 4:09:08 PM
bruin558$50.00$50.0011/23/2009 4:28:55 PM
five-star-note$30.00$30.0011/23/2009 4:29:23 PM
JohnGalt94$25.00$25.0011/23/2009 4:30:09 PM
Palacios$50.00$50.0011/23/2009 4:30:17 PM
cyberie21$40.00$40.0011/23/2009 4:32:11 PM
fortytwo$100.00$100.0011/23/2009 4:32:23 PM
blackstar$25.00$25.0011/23/2009 4:32:27 PM
payout-point$50.00$50.0011/23/2009 4:33:09 PM
Weaverville$25.00$25.0011/23/2009 4:31:42 PM
PatRichi$25.00$25.0011/23/2009 4:33:12 PM
biobulator$25.00$25.0011/23/2009 4:10:51 PM
ArkoshKovash$25.00$25.0011/23/2009 4:33:19 PM
kid8549$25.00$25.0011/23/2009 4:33:34 PM
skibum65$31.46$31.4611/23/2009 4:32:16 PM
mikrolown$25.00$25.0011/23/2009 4:11:17 PM
repaintandrepair$25.00$25.0011/23/2009 4:32:52 PM
boater01$50.00$50.0011/23/2009 4:32:57 PM
Lightlife$50.00$50.0011/23/2009 4:11:32 PM
dsw6440$50.00$50.0011/23/2009 4:33:20 PM
credit-kahuna$100.00$100.0011/23/2009 4:11:41 PM
payout-achievement$40.00$40.0011/23/2009 4:11:51 PM
MrDavid$25.00$0.5811/23/2009 4:34:17 PM
SNH$50.00$50.0011/23/2009 4:12:16 PM
Cai8899$40.00$40.0011/23/2009 4:12:53 PM
techvet$25.00$25.0011/23/2009 4:13:09 PM
Dunndeal4u$25.00$25.0011/23/2009 4:13:33 PM
andyb9$25.00$25.0011/23/2009 4:14:05 PM
agwosdof$50.00$50.0011/23/2009 4:14:12 PM
dignified-finance$25.00$25.0011/23/2009 4:14:36 PM
efficient-bid2$25.00$25.0011/23/2009 4:14:47 PM
rob1971$25.00$25.0011/23/2009 4:14:51 PM
wrighco$25.00$25.0011/23/2009 4:15:24 PM
robot777$40.00$40.0011/23/2009 4:39:59 PM
secobarbital$25.00$25.0011/23/2009 4:15:58 PM
JGB$25.00$25.0011/23/2009 4:16:29 PM
the-money-gargantuan$25.00$25.0011/23/2009 4:17:24 PM
Dubbs360$50.00$50.0011/23/2009 4:19:56 PM
Buffer10$100.00$100.0011/23/2009 4:20:06 PM
orderly-loot$25.00$25.0011/23/2009 4:20:19 PM
Steveoo1$25.00$25.0011/23/2009 4:20:26 PM
Syzygy$25.00$25.0011/23/2009 4:20:57 PM
puntme$25.00$25.0011/23/2009 4:21:42 PM
icecoldcash$25.00$25.0011/23/2009 4:22:44 PM
Slowtype$25.00$25.0011/23/2009 4:23:14 PM
SkepticalBen$25.00$25.0011/23/2009 4:24:11 PM
zeraphm$25.00$25.0011/23/2009 4:24:29 PM
Hondo$25.00$25.0011/23/2009 4:24:43 PM
friendly-return7$25.00$25.0011/23/2009 4:24:56 PM
rakstar$25.00$25.0011/23/2009 4:25:42 PM
SnE$25.00$25.0011/23/2009 4:26:28 PM
tisiphone$25.00$25.0011/23/2009 4:26:32 PM
dime-fighter$25.00$25.0011/23/2009 4:27:27 PM
spirited-finance1$25.00$25.0011/23/2009 4:27:35 PM
lagnisiruk$25.00$25.0011/23/2009 4:27:42 PM
transaction-aggregator7$25.00$25.0011/23/2009 4:27:48 PM
jhouman$25.00$25.0011/23/2009 4:50:17 PM
galtsgulch$25.00$25.0011/23/2009 4:30:55 PM
ianakacg$25.00$25.0011/23/2009 4:31:18 PM
brazilofmux$100.00$100.0011/23/2009 4:31:22 PM
hayhelp$25.00$25.0011/23/2009 4:33:03 PM
PHI4308$25.00$25.0011/23/2009 4:33:22 PM
bbrelo$25.00$25.0011/23/2009 4:33:30 PM
twjh$25.00$25.0011/23/2009 4:57:09 PM
caseattle$25.00$25.0011/23/2009 4:55:50 PM
reflective-rupee$50.00$50.0011/23/2009 5:17:15 PM
Bob450$50.00$50.0011/24/2009 6:20:47 AM
impartial-deal$25.00$25.0011/24/2009 12:19:09 PM
wwwUniversal$25.00$25.0011/24/2009 12:42:57 PM
unk1911$25.00$25.0011/24/2009 5:20:22 PM
368 bids