Sales Report:Supplement No. 93 dated Dec 08, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
245512
This series of Notes was issued and sold upon the funding of the borrower loan #39879, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 26.49% |
Starting borrower rate/APR:
| 27.49% / 29.83% |
Starting monthly payment:
| $164.35 |
|
Final lender yield:
| 26.49% |
Final borrower rate/APR:
| 27.49% / 29.83% |
Final monthly payment:
| $164.35 |
| |
|
Auction yield range:
| 11.20% - 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:
| 6 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Nov-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $25 |
Occupation: | Waiter/Waitress |
|
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:
| 1 | | | | |
|
Screen name:
| JDC23 |
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
Engagement Ring
Purpose of loan:
This loan will be used to help buy an engagement ring. My girlfriend and I have been dating for a year now and we have a great relationship. We have been living together for the majority of time we have been together and I believe it is time to move our relationship to the next level and pop the big question. I need this loan so she will not know I am making the purchase. We have a joint account where the majority of our money goes. I also have a seperate account that the loan will go into so she does not suspect anything.
My financial situation:
I am a recent college graduate. I am currently working as a waiter making good tips.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $?759
??Insurance: $ Parents Pay
??Car expenses: $?200
??Utilities: $?100
??Phone, cable, internet: $?50
? Food, entertainment: $ 200
??Clothing, household expenses $ 50
??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
Q:
Given that your monthly net income exceeds your monthly expenses by about $1500, why can't you just save for a few months (and why have you not been saving in past months) to have enough for the ring? thanks - reflective-rupee
A:
We have a joint account and all of our money goes into it. Im putting this into a separate account I have. I don't want her to know I am making this purchase. Once I "pop the big question" I'll be paying off the loan within 3 months.
(Dec-03-2009)
Q:
Do you have savings now in your joint account? How much? thanks - reflective-rupee
A:
We plan to have about $3000-$3500 saved up by the end of this month. Christmas shopping has spent any more we would have saved.
(Dec-04-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 6:55:49 PM |
| bestloanrate | $50.00 | $50.00 | 12/3/2009 9:12:28 AM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2009 4:16:08 PM |
| nickel-pipeline | $33.00 | $33.00 | 12/3/2009 4:39:08 PM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2009 4:15:47 PM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2009 4:22:54 PM |
| SFBank | $200.00 | $200.00 | 12/3/2009 4:25:21 PM |
| vest_vortex | $50.00 | $50.00 | 12/3/2009 5:17:29 PM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2009 7:46:19 PM |
| reflective-rupee | $200.00 | $200.00 | 12/3/2009 7:59:54 PM |
| reflective-rupee | $50.00 | $50.00 | 12/3/2009 7:46:36 PM |
| reflective-rupee | $200.00 | $200.00 | 12/4/2009 7:06:19 AM |
| SignatureCapital | $25.00 | $25.00 | 12/4/2009 10:16:31 AM |
| sorace | $50.00 | $50.00 | 12/4/2009 5:08:34 PM |
| Dan77 | $25.00 | $0.74 | 12/5/2009 8:35:01 AM |
| orange-pound-party | $25.00 | $25.00 | 12/5/2009 8:01:28 AM |
| thestartuplender | $50.00 | $50.00 | 12/5/2009 4:04:07 PM |
| Bob450 | $25.00 | $25.00 | 12/5/2009 9:58:52 PM |
| pog27 | $40.00 | $40.00 | 12/6/2009 3:32:13 PM |
| p2p-gala | $43.22 | $43.22 | 12/6/2009 6:11:31 PM |
| helping-out | $150.00 | $150.00 | 12/6/2009 5:37:32 PM |
| TakeCare | $50.00 | $50.00 | 12/6/2009 8:12:43 PM |
| icess285 | $25.00 | $25.00 | 12/6/2009 8:43:18 PM |
| squarebob | $50.00 | $50.00 | 12/7/2009 6:42:08 AM |
| peso-bonaza | $25.00 | $25.00 | 12/7/2009 6:56:54 AM |
| mspiggybank | $150.00 | $150.00 | 12/7/2009 2:06:39 AM |
| sensible-fund | $25.00 | $25.00 | 12/7/2009 2:12:17 AM |
| SweetHomeChicago | $116.37 | $116.37 | 12/7/2009 8:32:17 AM |
| photon8 | $25.00 | $25.00 | 12/7/2009 6:31:43 AM |
| PotBellyPete | $75.00 | $75.00 | 12/7/2009 8:40:22 AM |
| RecoveryLender | $25.00 | $25.00 | 12/7/2009 9:20:43 AM |
| reflective-rupee | $50.00 | $50.00 | 12/3/2009 9:56:37 AM |
| reflective-rupee | $160.00 | $160.00 | 12/3/2009 4:32:24 PM |
| vest_vortex | $100.00 | $100.00 | 12/3/2009 5:16:37 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/3/2009 7:26:20 PM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2009 7:47:02 PM |
| nickel-pipeline | $33.00 | $33.00 | 12/4/2009 5:17:09 AM |
| p2p-gala | $50.00 | $50.00 | 12/4/2009 6:56:54 AM |
| reflective-rupee | $500.00 | $500.00 | 12/4/2009 7:05:59 AM |
| marwadi-62 | $25.00 | $25.00 | 12/4/2009 3:12:27 PM |
| shrewd-income | $50.00 | $50.00 | 12/4/2009 11:49:16 PM |
| thestartuplender | $100.00 | $100.00 | 12/5/2009 4:05:11 PM |
| vine99 | $40.00 | $40.00 | 12/5/2009 3:56:30 PM |
| enthusiastic-balance5 | $200.00 | $200.00 | 12/6/2009 5:47:39 AM |
| Cory79 | $39.61 | $39.61 | 12/6/2009 6:25:26 AM |
| carmat60 | $50.00 | $50.00 | 12/6/2009 6:51:25 PM |
| well-mannered-income3 | $50.00 | $50.00 | 12/6/2009 4:49:10 PM |
| jamiee73 | $25.00 | $25.00 | 12/6/2009 7:48:42 PM |
| cashhelp | $25.00 | $25.00 | 12/6/2009 6:55:23 PM |
| investment-forte | $51.11 | $51.11 | 12/6/2009 7:07:30 PM |
| DasMula | $76.36 | $76.36 | 12/6/2009 8:54:56 PM |
| SlickNick | $41.59 | $41.59 | 12/7/2009 6:23:47 AM |
| fatboy888 | $25.00 | $25.00 | 12/7/2009 6:17:24 AM |
| historic-nickel | $50.00 | $50.00 | 12/7/2009 7:08:03 AM |
| ronin4sale | $25.00 | $25.00 | 12/7/2009 7:14:31 AM |
| pumatrap | $25.00 | $25.00 | 12/7/2009 7:44:09 AM |
| atlas100 | $25.00 | $25.00 | 12/7/2009 8:14:56 AM |
| Kyileo | $50.00 | $50.00 | 12/7/2009 8:43:58 AM |
| Astyanax | $25.00 | $25.00 | 12/7/2009 8:50:10 AM |
| Engineer44 | $25.00 | $25.00 | 12/7/2009 9:22:32 AM |
| 60 bids
|
Borrower Payment Dependent Notes Series
434740
This series of Notes was issued and sold upon the funding of the borrower loan #39858, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,200.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Nov-23-2009 |
| |
Auction end date:
| Nov-30-2009 |
|
|
Starting lender yield:
| 10.04% |
Starting borrower rate/APR:
| 11.04% / 11.39% |
Starting monthly payment:
| $268.61 |
|
Final lender yield:
| 9.50% |
Final borrower rate/APR:
| 10.50% / 10.85% |
Final monthly payment:
| $266.52 |
| |
|
Auction yield range:
| 3.20% - 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:
| Mar-1985 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-819 (Nov-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,277 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 12% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| KVer |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $8,900.00 | < mo. late:
| 0
( 0% )
| 760-779
(Jan-2008)
|
|
Principal balance:
| $3,716.95 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Pay property taxes until appeal
Purpose of loan:
To pay my property taxes in full, so that I maintain the right to appeal in March 2010.
(explain what you will be using this loan for)
My financial situation:
I have the best credit score a person can get.? My FICO score is also very good.? I own rental property in New Braunfels, TX.? My normal tax rate per year has been about $1200 to $1300.? However, for 2009, the county decided to raise the value of the house to $402K and the taxes I owe to $8205.00.? I can appeal this radical move on their part in March of 2010, which is the next time the county's appraisal district meets.? Luckily enough, I tried to re-finance my existing mortgage in May 2009, so I have an appraisal from that time which says the house is worth $110K, not the inflated amount the county has assigned.? I fully expect that I will receive most of the money back after I appeal.? The refund will allow me to pay the majority of the loan back with one payment.? I already have a loan with Prosper which will be paid in full as of January 2011.? My payments have been on time, every time.? In short, if you lend money to me, I *will* repay you.
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 700
??Insurance: $
110
??Car expenses: $ 268
??Utilities: $ 0
??Phone, cable, internet: $ 69
??Food, entertainment: $
428
??Clothing, household expenses $
204
??Credit cards and other loans: $ 1408 ???
??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:
In the unlikely event that your appeal fails, do you have a back-up plan for repaying the loan? - Rearden_Steel
A:
Yes. I'll just pay it off monthly, like I am doing with my current Prosper loan (21 payments made and counting).
(Nov-24-2009)
Q:
How much of an emergency fund (dollar amount) do you currently have? Having rental property is very risky without a large enough emergency fund. - HenryK7
A:
Yes, it is. However, I've been renting this property to tenants for over 3 years so far and have a property management company in place that collects the rent, manages repairs, keeps the place rented, etc. They do a good job for only $100/month. The property is on the Guadalupe river. It is about 1/2 hour from San Antonio, TX, about 20 mins. from the college in Seguin and about 1 hour's drive from Austin, TX. It is in a good location. I have about $1000 in savings that I add to monthly.
(Nov-24-2009)
Q:
is the house in the picture the house you claim is only worth 110k? that house looks like a 400k house to me. is the house near crime ridden area? i already bid cause i believe you will pay it back regaurdless. - hellasow
A:
No. That is actually the Comal County Courthouse, all lit up for Christmas! My house is 1 story and 1000 square feet. It has 2 bedrooms, 1 bath, a kitchen, dining room, and large room that serves as a den/living area. There is a screened-in porch on the back. There is very little crime nearby. The neighborhood is 2 blocks long x 1.5 streets wide. It is very close to town.
(Nov-26-2009)
Q:
Hi there. Good luck with your listing. Wanted to verify: do you expect any major life event within the next year. This would include marriage, divorce, change of employment status, or filing personal bankruptcy. Thanks. - CaribbeanBanker
A:
No, not at this time. Thanks.
(Nov-28-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Plotinus | $50.00 | $50.00 | 11/23/2009 4:01:38 PM |
| ljay | $25.00 | $25.00 | 11/23/2009 4:06:48 PM |
| lucrative-worth | $25.00 | $25.00 | 11/23/2009 4:07:39 PM |
| dpfl55 | $25.00 | $25.00 | 11/23/2009 4:01:39 PM |
| turbospeed | $25.00 | $25.00 | 11/23/2009 4:07:56 PM |
| People-for-people | $50.00 | $50.00 | 11/23/2009 4:36:33 PM |
| sidney102 | $25.00 | $25.00 | 11/23/2009 4:36:59 PM |
| hard-working-loot | $25.00 | $25.00 | 11/23/2009 4:38:41 PM |
| zoomdrm57 | $50.00 | $50.00 | 11/23/2009 4:38:51 PM |
| gizzywump | $25.00 | $25.00 | 11/23/2009 4:38:28 PM |
| repayment-chef | $25.00 | $25.00 | 11/23/2009 4:39:27 PM |
| Goodlender42 | $25.00 | $25.00 | 11/23/2009 4:39:38 PM |
| E_G | $50.00 | $50.00 | 11/23/2009 4:41:03 PM |
| bchen78875 | $50.00 | $50.00 | 11/23/2009 4:42:12 PM |
| iansays1 | $25.00 | $25.00 | 11/23/2009 4:43:30 PM |
| gracej | $25.00 | $25.00 | 11/23/2009 4:42:36 PM |
| Walkingcowboy | $25.00 | $25.00 | 11/23/2009 4:42:47 PM |
| Klearwater_Pools | $25.00 | $25.00 | 11/23/2009 4:44:48 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 11/23/2009 4:45:02 PM |
| evnagelist | $50.00 | $50.00 | 11/23/2009 4:43:49 PM |
| Havana21 | $50.00 | $50.00 | 11/23/2009 4:44:01 PM |
| AF-Chief | $35.00 | $35.00 | 11/23/2009 4:44:08 PM |
| magical-greenback | $55.00 | $55.00 | 11/23/2009 4:44:16 PM |
| kulender | $25.00 | $25.00 | 11/23/2009 4:44:40 PM |
| trade-pragmatist | $25.00 | $25.00 | 11/23/2009 4:46:32 PM |
| Artist_Blue | $25.00 | $25.00 | 11/23/2009 4:45:59 PM |
| vegaslender88 | $25.00 | $25.00 | 11/23/2009 4:46:21 PM |
| the-money-gargantuan | $25.00 | $25.00 | 11/23/2009 4:47:23 PM |
| highcountry1 | $25.00 | $25.00 | 11/23/2009 4:48:31 PM |
| Avid_Skier | $25.00 | $25.00 | 11/23/2009 4:48:44 PM |
| cordial-bonus | $25.00 | $25.00 | 11/23/2009 4:29:01 PM |
| blot44 | $50.00 | $50.00 | 11/23/2009 4:29:49 PM |
| elevated-platinum5 | $25.00 | $25.00 | 11/23/2009 4:35:05 PM |
| antlr | $25.00 | $25.00 | 11/23/2009 4:38:37 PM |
| sharkm | $25.00 | $25.00 | 11/23/2009 4:40:56 PM |
| burgeoning-silver | $25.00 | $25.00 | 11/23/2009 4:41:12 PM |
| personal-lender | $25.00 | $25.00 | 11/23/2009 4:41:47 PM |
| Weaverville | $25.00 | $25.00 | 11/23/2009 4:41:59 PM |
| rmachi | $25.00 | $25.00 | 11/23/2009 4:43:25 PM |
| GElender | $50.00 | $50.00 | 11/23/2009 4:43:36 PM |
| best-decisive-peace | $25.00 | $25.00 | 11/23/2009 4:45:42 PM |
| fair-funds | $25.00 | $25.00 | 11/23/2009 4:45:49 PM |
| SNH | $50.00 | $50.00 | 11/23/2009 4:46:15 PM |
| lendacity | $25.00 | $25.00 | 11/23/2009 4:47:12 PM |
| thestartuplender | $50.00 | $50.00 | 11/23/2009 4:47:33 PM |
| Gnube | $25.00 | $25.00 | 11/23/2009 4:48:51 PM |
| lucrative-worth | $50.00 | $50.00 | 11/23/2009 5:42:18 PM |
| SpectrumCapital | $25.00 | $25.00 | 11/23/2009 8:17:51 PM |
| GeoLender | $25.00 | $25.00 | 11/23/2009 9:16:36 PM |
| caseattle | $25.00 | $25.00 | 11/23/2009 5:16:49 PM |
| Syzygy | $25.00 | $25.00 | 11/23/2009 5:21:42 PM |
| thedoctor | $40.00 | $40.00 | 11/23/2009 6:20:59 PM |
| jybank | $25.00 | $25.00 | 11/23/2009 6:23:16 PM |
| sflash | $25.00 | $25.00 | 11/24/2009 6:08:37 AM |
| building_community | $25.00 | $25.00 | 11/24/2009 9:10:30 AM |
| unk1911 | $25.00 | $25.00 | 11/24/2009 11:43:22 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/24/2009 12:17:53 PM |
| MONEYMIKE83 | $25.03 | $25.03 | 11/24/2009 12:43:33 PM |
| serene-capital | $25.00 | $25.00 | 11/24/2009 1:58:59 PM |
| batman12 | $250.00 | $250.00 | 11/24/2009 2:48:32 PM |
| Ven58 | $25.00 | $25.00 | 11/24/2009 3:08:19 PM |
| longisland47m | $25.00 | $25.00 | 11/24/2009 4:36:38 PM |
| wwwUniversal | $25.00 | $25.00 | 11/24/2009 5:07:28 PM |
| CommerciaLender | $25.00 | $25.00 | 11/24/2009 5:27:51 PM |
| TexasLender2007 | $25.00 | $25.00 | 11/24/2009 6:26:54 PM |
| jmvingeorgia | $25.00 | $25.00 | 11/25/2009 6:13:57 AM |
| Oak-Parker | $25.00 | $25.00 | 11/25/2009 8:36:24 PM |
| patriot384 | $100.00 | $100.00 | 11/26/2009 5:26:02 AM |
| Aberdeen | $300.00 | $300.00 | 11/26/2009 12:38:47 PM |
| cashasaurus0 | $100.00 | $100.00 | 11/27/2009 3:30:06 AM |
| hardworking-treasure | $25.00 | $25.00 | 11/27/2009 9:20:26 AM |
| evamkir | $25.00 | $25.00 | 11/27/2009 9:38:19 AM |
| vine99 | $75.00 | $75.00 | 11/27/2009 10:16:52 AM |
| loss-of-control | $50.00 | $50.00 | 11/27/2009 11:42:37 AM |
| LittleMingo | $25.00 | $25.00 | 11/27/2009 12:10:18 PM |
| TXCapLeader | $26.91 | $26.91 | 11/27/2009 2:15:47 PM |
| G-Love | $243.79 | $243.79 | 11/27/2009 4:11:59 PM |
| RandyL3 | $30.00 | $30.00 | 11/27/2009 4:55:31 PM |
| rate-hickory | $25.00 | $25.00 | 11/27/2009 9:44:30 PM |
| springpanda | $25.00 | $25.00 | 11/27/2009 9:39:46 PM |
| sunnysally | $25.00 | $25.00 | 11/27/2009 11:05:52 PM |
| dmitriy2 | $25.00 | $25.00 | 11/28/2009 1:04:48 AM |
| vtpilot00 | $50.00 | $50.00 | 11/28/2009 7:43:05 AM |
| BOZO88 | $25.00 | $25.00 | 11/28/2009 2:47:24 PM |
| ORteacher | $35.00 | $35.00 | 11/28/2009 3:38:04 PM |
| UncleSafety | $100.00 | $100.00 | 11/29/2009 5:59:19 AM |
| RiskAdverse | $25.00 | $25.00 | 11/29/2009 11:18:23 AM |
| YummiBear | $25.00 | $25.00 | 11/29/2009 4:43:19 PM |
| oldman68 | $25.00 | $25.00 | 11/29/2009 10:38:03 PM |
| wild-orange | $50.00 | $50.00 | 11/30/2009 3:52:19 AM |
| VT2VA | $25.00 | $25.00 | 11/30/2009 10:12:22 AM |
| market-jam | $100.00 | $100.00 | 11/30/2009 11:31:28 AM |
| reBuild-America | $25.00 | $25.00 | 11/30/2009 11:29:59 AM |
| Scubadiver | $25.00 | $25.00 | 11/30/2009 12:21:27 PM |
| rate-hickory | $25.00 | $25.00 | 11/30/2009 12:24:07 PM |
| qcksilvr20 | $50.00 | $50.00 | 11/30/2009 12:45:31 PM |
| RecoveryLender | $25.00 | $25.00 | 11/30/2009 12:25:19 PM |
| scientists | $25.00 | $25.00 | 11/30/2009 1:50:38 PM |
| Feyenoord | $25.00 | $25.00 | 11/30/2009 2:57:27 PM |
| RugbyD | $50.00 | $50.00 | 11/30/2009 3:39:58 PM |
| peaceful-trade | $25.00 | $25.00 | 11/23/2009 4:03:17 PM |
| pietro_torna_indietro | $100.00 | $100.00 | 11/23/2009 4:06:55 PM |
| wiselady | $25.00 | $25.00 | 11/23/2009 4:20:00 PM |
| Kerrysbay | $25.00 | $25.00 | 11/23/2009 4:06:59 PM |
| inforapenny | $25.00 | $25.00 | 11/23/2009 4:29:04 PM |
| museic1 | $25.00 | $25.00 | 11/23/2009 4:35:14 PM |
| Jassi | $25.00 | $25.00 | 11/23/2009 4:35:36 PM |
| credit-investor5 | $100.00 | $100.00 | 11/23/2009 4:35:55 PM |
| bigballer105 | $25.00 | $25.00 | 11/23/2009 4:36:06 PM |
| ytjameslee | $50.00 | $50.00 | 11/23/2009 4:35:29 PM |
| keke2000 | $25.00 | $25.00 | 11/23/2009 4:36:27 PM |
| StrongMoney | $25.00 | $25.00 | 11/23/2009 4:35:47 PM |
| Cheburashka | $30.00 | $30.00 | 11/23/2009 4:37:34 PM |
| bowdish1 | $50.00 | $50.00 | 11/23/2009 4:37:40 PM |
| Gunny89 | $25.00 | $25.00 | 11/23/2009 4:36:49 PM |
| miked8303 | $25.00 | $25.00 | 11/23/2009 4:38:19 PM |
| MoneyU4IA | $40.00 | $40.00 | 11/23/2009 4:38:58 PM |
| TakeCare | $100.00 | $100.00 | 11/23/2009 4:38:10 PM |
| the_winning_ticket | $35.00 | $35.00 | 11/23/2009 4:40:45 PM |
| Attract | $25.00 | $25.00 | 11/23/2009 4:41:25 PM |
| lend_to_you | $50.00 | $50.00 | 11/23/2009 4:40:26 PM |
| leodaguy | $25.00 | $25.00 | 11/23/2009 4:40:34 PM |
| trident9 | $50.00 | $50.00 | 11/23/2009 4:43:00 PM |
| a-responsible-return | $25.00 | $25.00 | 11/23/2009 4:41:36 PM |
| BlindProphet | $25.00 | $25.00 | 11/23/2009 4:42:24 PM |
| newbietony | $40.00 | $40.00 | 11/23/2009 4:43:56 PM |
| Mr_Marcus | $50.00 | $50.00 | 11/23/2009 4:44:24 PM |
| neighborly-hope6 | $100.00 | $100.00 | 11/23/2009 4:43:11 PM |
| justice-dna | $35.00 | $35.00 | 11/23/2009 4:43:17 PM |
| 888168 | $50.00 | $50.00 | 11/23/2009 4:43:43 PM |
| crenen139 | $31.55 | $31.55 | 11/23/2009 4:45:22 PM |
| Steveoo1 | $50.00 | $50.00 | 11/23/2009 4:46:07 PM |
| mikeandcat | $50.00 | $50.00 | 11/23/2009 4:44:29 PM |
| orange-courageous-dedication | $40.00 | $40.00 | 11/23/2009 4:45:28 PM |
| honorable-yield | $75.00 | $75.00 | 11/23/2009 4:45:37 PM |
| DLock99 | $50.00 | $50.00 | 11/23/2009 4:48:22 PM |
| payout-point | $100.00 | $100.00 | 11/23/2009 4:49:00 PM |
| Velocity_Lenders | $93.73 | $93.73 | 11/23/2009 4:36:16 PM |
| proteinart | $25.00 | $25.00 | 11/23/2009 4:37:21 PM |
| safe-commerce | $25.00 | $25.00 | 11/23/2009 5:05:11 PM |
| Banker7371 | $25.00 | $25.00 | 11/23/2009 4:39:46 PM |
| lloyd_s | $25.00 | $25.00 | 11/23/2009 4:40:10 PM |
| cash-boots | $30.00 | $30.00 | 11/23/2009 4:40:20 PM |
| baroo | $25.00 | $25.00 | 11/23/2009 5:15:52 PM |
| trade-doughnut5 | $25.00 | $25.00 | 11/23/2009 4:44:36 PM |
| gethsemane4 | $25.00 | $25.00 | 11/23/2009 4:45:14 PM |
| pleasant-basis | $25.00 | $25.00 | 11/23/2009 4:46:28 PM |
| usedtoborrow | $30.00 | $30.00 | 11/23/2009 5:22:55 PM |
| rpg | $25.00 | $25.00 | 11/23/2009 6:02:44 PM |
| skvat | $25.00 | $12.34 | 11/23/2009 4:49:05 PM |
| minista | $25.00 | $25.00 | 11/23/2009 6:23:15 PM |
| Sumach | $25.00 | $25.00 | 11/23/2009 7:49:09 PM |
| FundMaker | $25.00 | $25.00 | 11/23/2009 5:53:59 PM |
| BenOrt | $25.00 | $25.00 | 11/23/2009 5:56:04 PM |
| blue-courageous-justice | $25.00 | $25.00 | 11/24/2009 6:29:23 AM |
| DHolly | $25.00 | $25.00 | 11/24/2009 7:12:09 AM |
| SpectrumFinance | $25.00 | $25.00 | 11/24/2009 7:17:31 AM |
| money-prophesy | $100.00 | $100.00 | 11/24/2009 8:37:51 AM |
| LendAHand24 | $25.00 | $25.00 | 11/24/2009 10:12:04 AM |
| Gromac | $25.00 | $25.00 | 11/24/2009 11:38:01 AM |
| euphoria8 | $25.00 | $25.00 | 11/24/2009 12:07:51 PM |
| jns48 | $25.00 | $25.00 | 11/24/2009 12:08:27 PM |
| zento | $25.00 | $25.00 | 11/24/2009 6:02:17 PM |
| flwah | $25.00 | $25.00 | 11/24/2009 7:32:29 PM |
| lendme2 | $71.79 | $71.79 | 11/25/2009 2:37:26 AM |
| hellasow | $30.00 | $30.00 | 11/25/2009 6:38:43 AM |
| HenryK7 | $25.00 | $25.00 | 11/25/2009 7:43:37 AM |
| CA_Lender | $25.00 | $25.00 | 11/25/2009 1:46:07 PM |
| stock_speculator | $25.00 | $25.00 | 11/25/2009 4:47:11 PM |
| DenimCapital | $50.00 | $50.00 | 11/25/2009 4:51:01 PM |
| grf1945 | $25.00 | $25.00 | 11/25/2009 7:57:30 PM |
| ethicalhumanist | $25.00 | $25.00 | 11/26/2009 8:38:06 AM |
| bigmacbeef | $25.00 | $25.00 | 11/26/2009 11:24:56 PM |
| interstellar | $28.67 | $28.67 | 11/27/2009 2:42:13 AM |
| ImaPutz | $25.00 | $25.00 | 11/27/2009 9:43:54 AM |
| outofoffice | $50.00 | $50.00 | 11/27/2009 10:11:13 AM |
| impartial-deal | $29.21 | $29.21 | 11/27/2009 2:24:03 PM |
| People-for-people | $50.00 | $50.00 | 11/27/2009 6:03:20 PM |
| peaceful-farmer | $50.00 | $50.00 | 11/27/2009 5:57:33 PM |
| rate-hickory | $25.00 | $25.00 | 11/27/2009 9:40:10 PM |
| philantist | $25.00 | $25.00 | 11/27/2009 9:47:12 PM |
| missgina | $25.00 | $25.00 | 11/27/2009 7:45:08 PM |
| crw1950 | $50.00 | $50.00 | 11/27/2009 9:09:12 PM |
| CaribbeanBanker | $25.00 | $25.00 | 11/28/2009 6:11:35 AM |
| improvman | $25.00 | $25.00 | 11/27/2009 10:42:28 PM |
| responsibility-butterfly | $25.00 | $25.00 | 11/28/2009 8:22:52 AM |
| gothampark | $25.00 | $25.00 | 11/28/2009 12:46:39 PM |
| newbietony | $30.00 | $30.00 | 11/28/2009 3:14:26 PM |
| AJ8981 | $25.00 | $25.00 | 11/28/2009 1:38:24 PM |
| availableloan | $25.00 | $25.00 | 11/28/2009 8:02:03 PM |
| newton77 | $25.00 | $25.00 | 11/28/2009 10:31:54 PM |
| songbird4 | $25.00 | $25.00 | 11/29/2009 6:32:21 AM |
| jetsons6866 | $25.00 | $25.00 | 11/29/2009 4:54:04 PM |
| theloanfiller | $60.98 | $60.98 | 11/29/2009 6:04:56 PM |
| bestloanrate | $50.00 | $50.00 | 11/29/2009 6:22:02 PM |
| JerryB96 | $25.00 | $25.00 | 11/29/2009 8:31:47 PM |
| payontime1 | $50.00 | $50.00 | 11/29/2009 10:36:08 PM |
| kulender | $100.00 | $100.00 | 11/30/2009 5:07:44 AM |
| five-star-justice | $36.00 | $36.00 | 11/30/2009 11:38:09 AM |
| doomsday18 | $25.00 | $25.00 | 11/30/2009 11:59:52 AM |
| martymaniaman | $25.00 | $25.00 | 11/30/2009 12:18:07 PM |
| Dollars4Rent | $25.00 | $25.00 | 11/30/2009 11:57:42 AM |
| kf88 | $30.00 | $30.00 | 11/30/2009 1:14:13 PM |
| MoneyForNothing | $25.00 | $25.00 | 11/30/2009 2:58:21 PM |
| exciting-fairness | $200.00 | $200.00 | 11/30/2009 3:42:33 PM |
| stevexs | $50.00 | $50.00 | 11/30/2009 3:01:14 PM |
| division177 | $25.00 | $25.00 | 11/30/2009 3:52:13 PM |
| 207 bids
|
Borrower Payment Dependent Notes Series
434760
This series of Notes was issued and sold upon the funding of the borrower loan #39862, 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-23-2009 |
| |
Auction end date:
| Nov-30-2009 |
|
|
Starting lender yield:
| 20.17% |
Starting borrower rate/APR:
| 21.17% / 24.33% |
Starting monthly payment:
| $45.31 |
|
Final lender yield:
| 16.00% |
Final borrower rate/APR:
| 17.00% / 20.08% |
Final monthly payment:
| $42.78 |
| |
|
Auction yield range:
| 8.20% - 20.17% |
Estimated loss impact:
| 6.86% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 10y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,421 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 97% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| chanzed504 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,499.00 | < mo. late:
| 0
( 0% )
| 640-659
(Oct-2009)
640-659
(Apr-2008)
|
|
Principal balance:
| $3,721.94 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Plumming Repair
Purpose of loan:
Repair plumming damage to home.??????????
My financial situation:
I am a good candiate for this loan because?I am an active?duty military service member who can repay this loan.? Three days ago I occured?plumming damage from my upstairs bathroom which has cause water damage to down stairs ceiling.???I can assure?the lenders that?my loan will be repayed??on time and?quickly as possible.? Thank you for your time and consideration.
Monthly net income: $ 3300
Monthly expenses: $ 2525.88
??Housing: $ 765.88
??Insurance: $?120??
??Car expenses: $750
Utilities: $ 150
??Phone, cable, internet: $ 110
??Food, entertainment: $?220
??Clothing, household expenses $100
??Credit cards and other loans: $210
??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:
Could you please explain the public record? - Johnab
A:
The most recent copy of Equifax I have is dated October 9, 2009. I sorry but Ido not see the public record you mention. I can assure and stress that I can and will repay my loan in a timely manner.
(Nov-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| generosity-harbor | $25.00 | $25.00 | 11/25/2009 9:12:45 AM |
| cashasaurus0 | $100.00 | $75.49 | 11/27/2009 3:45:11 AM |
| Johnab | $25.00 | $25.00 | 11/28/2009 6:19:47 AM |
| impartial-deal | $30.87 | $30.87 | 11/28/2009 11:50:20 AM |
| 4mydaughterseducation | $29.62 | $29.62 | 11/28/2009 2:35:22 PM |
| lender12345 | $49.07 | $49.07 | 11/28/2009 1:38:14 PM |
| drkosh | $25.00 | $25.00 | 11/29/2009 2:53:43 PM |
| loss-of-control | $50.00 | $50.00 | 11/29/2009 2:17:50 PM |
| Hawkeyebank | $25.00 | $25.00 | 11/29/2009 7:51:45 PM |
| Leshan | $75.00 | $75.00 | 11/30/2009 7:46:44 AM |
| OtownLender | $50.00 | $50.00 | 11/30/2009 10:33:10 AM |
| Kyileo | $25.00 | $25.00 | 11/30/2009 11:26:14 AM |
| CA_Lender | $25.00 | $25.00 | 11/30/2009 1:20:39 PM |
| Feyenoord | $25.00 | $25.00 | 11/30/2009 2:59:44 PM |
| MilitaryLending | $100.00 | $100.00 | 11/30/2009 3:25:04 PM |
| nikkky2000 | $75.00 | $75.00 | 11/30/2009 3:59:04 PM |
| SCRUGZY | $25.00 | $25.00 | 11/30/2009 4:00:05 PM |
| nikkky2000 | $75.00 | $75.00 | 11/30/2009 4:00:13 PM |
| porwestco | $25.00 | $25.00 | 11/30/2009 4:00:33 PM |
| marwadi-62 | $50.00 | $50.00 | 11/27/2009 11:45:38 AM |
| sweety075 | $25.00 | $25.00 | 11/27/2009 2:21:18 PM |
| Syzygy | $25.00 | $25.00 | 11/27/2009 6:48:34 PM |
| sunnysally | $25.00 | $25.00 | 11/27/2009 10:53:45 PM |
| Glenn | $25.00 | $25.00 | 11/27/2009 11:42:51 PM |
| OGS_Capital | $25.00 | $25.00 | 11/28/2009 11:40:11 PM |
| JCM_MN | $38.00 | $38.00 | 11/29/2009 2:10:09 PM |
| FL-Lender | $25.00 | $25.00 | 11/29/2009 12:15:36 PM |
| wild-orange | $50.00 | $50.00 | 11/30/2009 3:43:56 AM |
| Silverling6 | $26.95 | $26.95 | 11/30/2009 9:41:03 AM |
| jybank | $25.00 | $25.00 | 11/30/2009 3:41:09 PM |
| ImaPutz | $25.00 | $25.00 | 11/30/2009 3:58:45 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
435142
This series of Notes was issued and sold upon the funding of the borrower loan #39812, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,900.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| Nov-24-2009 |
| |
Auction end date:
| Dec-01-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $221.66 |
|
Final lender yield:
| 32.91% |
Final borrower rate/APR:
| 33.91% / 36.35% |
Final monthly payment:
| $218.64 |
| |
|
Auction yield range:
| 17.20% - 34.00% |
Estimated loss impact:
| 20.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.97% | | |
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:
| Feb-1986 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 620-639 (Nov-2009) |
Current / open credit lines:
| 17
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 12y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,880 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| DaveZmeyr |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 38 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $12,871.00 | < mo. late:
| 0
( 0% )
| 620-639
(Jan-2008)
600-619
(Jul-2007)
540-559
(Dec-2006)
|
|
Principal balance:
| $2,628.79 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 38 | | |
Description
!SURE BET! Reduce Current Loan Rate
Purpose of loan:
This will be my FOURTH successful loan on Prosper.com.? my first two loans have been paid off, my?third loan is still open (about 1/3rd paid off). All payments on all loans have always been on-time (see prosper records my history, all on time!).
This loan will?be used to payoff? several?existing lines of credit with CIT?at lower rates than I'm?paying (or at worst, the same rate but with the money going into fellow investor pockets rather than CIT Bank). This loan does not report to the credit bureu so it's not showing up in my total revolving credit and?note that my credit?card debt?is under $4,000 (excepting this loan)?-- I have been reducing my credit card balances over the last 24 months.
My?loans?have all been?used to?expand my side business, I purchased servers for my on-line backup business (http://www.businessbackup.us).? My business continues to grow and income is on track, even with some slow downs in growth due to the economy. This is a business record backup business and it is largely immune to economic downturns (you don't lose customers, though you do see slower growth).
My financial situation:
I'm fully employed and have been for 13+ years at the same employer (a Fortune-1000 company) and?earn a healthy low 6-figure income, own my own home and have approximately $75,000 in equity in it.
My credit score is still a little low since I?had to deal with a?prior tax debt from a business venture that went bad?15+ years ago (I spent 43 months in a payment program to pay?much of?the debt and reduce the tax?penalties and completed it successfully on Dec 2006).
My debt payment ratio is lower than average, I have 50% "availabilty" on my open lines of credit and approximately $10,000 in mutual funds and stocks (Schwab Brokerage, Sharebuilder) as well as appoximately $6000 dollars in cash.
Currently I?save approximately 20% of my regular salary [401(k), SERP, weekly savings deduction to HSBC Savings account, weekly deduction to sharebuilder investment account).
Monthly income: $?8000 (Salary, $12,658 gross - 401(k), SERP, tax?and savings plan) + $1350 Business
Monthly expenses: $ (includes business?expenses)
??Housing: $ 2027 Mortgage
? Add'l Pymt on Principal:? $200
? Utilities?$285
? Assessments:? $397 (Condo)
? Internet (Business) $250
? Business Loan:? $290
? Food & Personal? $700
? Misc Business Exp:? $520
? Auto:?$517
??Loans/CreditCard Debt:??$650
? Other:? $550
? Parent (care giver): $900
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 11/24/2009 5:20:10 PM |
| Bob450 | $50.00 | $50.00 | 11/24/2009 8:01:12 PM |
| unk1911 | $25.00 | $25.00 | 11/27/2009 10:41:34 AM |
| Tizzo27 | $114.38 | $114.38 | 11/28/2009 9:36:51 AM |
| five-star-note | $50.00 | $50.00 | 11/29/2009 10:07:32 AM |
| Aberdeen | $300.00 | $300.00 | 11/29/2009 11:04:04 AM |
| Unitas4302 | $300.00 | $300.00 | 11/29/2009 8:50:41 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 1:24:19 PM |
| loss-of-control | $100.00 | $100.00 | 11/30/2009 4:25:28 PM |
| loss-of-control | $50.00 | $50.00 | 11/30/2009 4:25:58 PM |
| newbietony | $80.00 | $80.00 | 11/30/2009 6:35:05 PM |
| thestartuplender | $50.00 | $50.00 | 11/30/2009 7:53:48 PM |
| investment-visionary | $100.00 | $100.00 | 11/30/2009 8:22:29 PM |
| sweety075 | $25.00 | $25.00 | 11/30/2009 8:16:44 PM |
| TakeCare | $300.00 | $300.00 | 11/30/2009 8:22:58 PM |
| Laxa | $250.00 | $250.00 | 11/30/2009 8:50:23 PM |
| generous-deal6 | $50.00 | $50.00 | 11/30/2009 9:12:31 PM |
| clemclan | $29.45 | $29.45 | 11/30/2009 10:03:31 PM |
| kindness-jedi | $25.00 | $25.00 | 12/1/2009 2:54:54 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:08:50 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:11:08 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:14:01 AM |
| ronin4sale | $25.00 | $25.00 | 12/1/2009 1:33:03 PM |
| wyogirllender | $25.00 | $25.00 | 12/1/2009 1:56:12 PM |
| shrewd-income | $100.00 | $100.00 | 12/1/2009 2:47:14 PM |
| Rancid | $25.00 | $25.00 | 12/1/2009 1:55:48 PM |
| GABC-1 | $27.00 | $27.00 | 12/1/2009 2:06:35 PM |
| MoneyForNothing | $25.00 | $25.00 | 12/1/2009 3:01:56 PM |
| fundologist | $50.00 | $50.00 | 12/1/2009 3:19:38 PM |
| ohmarkybaby | $71.57 | $71.57 | 12/1/2009 3:52:11 PM |
| sturdy-peace9 | $50.00 | $50.00 | 12/1/2009 2:46:49 PM |
| clemclan | $25.00 | $25.00 | 11/26/2009 10:08:04 PM |
| Tuss12 | $150.00 | $150.00 | 11/27/2009 10:58:09 AM |
| reflective-rupee | $50.00 | $50.00 | 11/27/2009 11:39:19 AM |
| marybennet | $25.00 | $25.00 | 11/28/2009 6:41:24 PM |
| FarmersBank | $25.00 | $25.00 | 11/30/2009 10:22:45 AM |
| Iceman1347 | $25.00 | $25.00 | 11/30/2009 1:19:40 PM |
| enriched-truth | $32.06 | $32.06 | 11/30/2009 4:47:47 PM |
| loss-of-control | $50.00 | $50.00 | 11/30/2009 4:26:59 PM |
| loss-of-control | $50.00 | $50.00 | 11/30/2009 4:26:27 PM |
| stuart791 | $25.00 | $25.00 | 11/30/2009 5:32:56 PM |
| thestartuplender | $25.00 | $25.00 | 11/30/2009 7:54:44 PM |
| csak13 | $25.00 | $25.00 | 11/30/2009 7:30:18 PM |
| Lender0000 | $250.00 | $250.00 | 11/30/2009 8:48:56 PM |
| supreme-hope | $25.00 | $25.00 | 11/30/2009 11:18:39 PM |
| Skeptical-one | $100.00 | $100.00 | 11/30/2009 9:51:59 PM |
| rvfbroker | $25.00 | $25.00 | 11/30/2009 11:18:23 PM |
| Kash2010lu | $25.00 | $25.00 | 12/1/2009 6:35:07 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:10:07 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:12:51 AM |
| mrreynol | $25.00 | $25.00 | 12/1/2009 7:34:14 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:08:11 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:09:17 AM |
| 113121 | $50.00 | $50.00 | 12/1/2009 7:11:41 AM |
| unger | $100.00 | $100.00 | 12/1/2009 10:21:39 AM |
| eboomer2611 | $25.00 | $25.00 | 12/1/2009 11:52:46 AM |
| pietro_torna_indietro | $100.00 | $100.00 | 12/1/2009 11:28:05 AM |
| chroman | $100.00 | $100.00 | 12/1/2009 11:51:23 AM |
| maga | $80.00 | $80.00 | 12/1/2009 12:12:08 PM |
| WMY-Investor | $350.00 | $350.00 | 12/1/2009 12:56:38 PM |
| 113121 | $100.00 | $93.04 | 12/1/2009 12:42:13 PM |
| PXM-Financial | $60.00 | $60.00 | 12/1/2009 1:01:11 PM |
| RecoveryLender | $37.50 | $37.50 | 12/1/2009 1:04:36 PM |
| Feyenoord | $25.00 | $25.00 | 12/1/2009 2:01:40 PM |
| five-star-note | $100.00 | $100.00 | 12/1/2009 2:51:28 PM |
| ohmarkybaby | $50.00 | $50.00 | 12/1/2009 3:44:49 PM |
| thestartuplender | $50.00 | $50.00 | 12/1/2009 2:42:13 PM |
| wealth-pipeline | $25.00 | $25.00 | 12/1/2009 3:40:39 PM |
| 68 bids
|
Borrower Payment Dependent Notes Series
435288
This series of Notes was issued and sold upon the funding of the borrower loan #39888, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Nov-25-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 10.04% |
Starting borrower rate/APR:
| 11.04% / 11.39% |
Starting monthly payment:
| $360.33 |
|
Final lender yield:
| 9.50% |
Final borrower rate/APR:
| 10.50% / 10.85% |
Final monthly payment:
| $357.53 |
| |
|
Auction yield range:
| 3.20% - 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:
| 6 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 800-819 (Nov-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $14,012 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 36% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| Rancid |
Borrower's state:
| Nevada |
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
PROSPER LENDER NEEDS LOAN
Purpose of loan:
This loan will be used to? Consolidate my credit card debt and get better interest rate.???I want to get rid of all my credit card debt. All my cards were switched from a low fixed rate to high variable rate for no good reason.???
My financial situation:
I am a good candidate for this loan because? I?ve never been late paying my bills and have very good credit. I am diligent about not being late and?paying down?my debt.? In one year I have cut my $20,000 debt to $0,000. I will pay this loan ASAP which means I will pay more than the minimum each month. I am also a lender on prosper with about $800 invested, so I will pay this loan because I want to have a good reputation on Prosper.? I have also been at my current job for 3 years working for the state of NV and will get a promotion Aug. 2010.
Net income $2100
Wife?s net income $2200
Mortgage $1700
Utilities $300
Phone/Internet $250
No car payment
Car Insurance $100
Gas $150
Entertainment $200
Food $400
Credit cards $1000
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please list each credit card balance to be paid off with this loan and the current monthly payment amount for each one that you have been making. Thanks. - exciting-fairness
A:
BALANCES - CAPITAL ONE $12,000, DISCOVER $300, CARE CREDIT $200. PAYMENTS - CAPITAL ONE $900, DISCOVER $50, CARE CREDIT $50
(Nov-25-2009)
Q:
The rate on each would also be good. - longisland47m
A:
Currently - Capital One 8.99% fixed but in Jan. 2010 it will be variable with a rate of at least 16%. My Discover is at 17.25% variable (this also used to be a low fixed rate.) My Care Credit is at 23%.
(Nov-25-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Kerrysbay | $25.00 | $25.00 | 11/25/2009 2:01:04 PM |
| five-star-responsibility0 | $25.00 | $25.00 | 11/25/2009 2:09:41 PM |
| hard-working-loot | $25.00 | $25.00 | 11/25/2009 2:16:05 PM |
| elevated-platinum5 | $25.00 | $25.00 | 11/25/2009 2:15:31 PM |
| credit-investor5 | $100.00 | $100.00 | 11/25/2009 2:15:40 PM |
| Gunny89 | $25.00 | $25.00 | 11/25/2009 2:15:50 PM |
| gizzywump | $25.00 | $25.00 | 11/25/2009 2:16:03 PM |
| justice-dna | $35.00 | $35.00 | 11/25/2009 2:17:12 PM |
| MoneyU4IA | $40.00 | $40.00 | 11/25/2009 2:16:06 PM |
| AF-Chief | $35.00 | $35.00 | 11/25/2009 2:17:31 PM |
| lend_to_you | $50.00 | $50.00 | 11/25/2009 2:16:25 PM |
| sharkm | $25.00 | $25.00 | 11/25/2009 2:16:32 PM |
| Attract | $25.00 | $25.00 | 11/25/2009 2:16:42 PM |
| dinero-festivity2 | $50.00 | $50.00 | 11/25/2009 2:18:45 PM |
| Walkingcowboy | $25.00 | $25.00 | 11/25/2009 2:17:04 PM |
| rmachi | $25.00 | $25.00 | 11/25/2009 2:17:15 PM |
| community-pipeline8 | $50.00 | $50.00 | 11/25/2009 2:18:57 PM |
| 888168 | $50.00 | $50.00 | 11/25/2009 2:17:22 PM |
| mikeandcat | $50.00 | $50.00 | 11/25/2009 2:17:37 PM |
| Klearwater_Pools | $25.00 | $25.00 | 11/25/2009 2:17:43 PM |
| gethsemane4 | $25.00 | $25.00 | 11/25/2009 2:17:49 PM |
| trade-pragmatist | $25.00 | $25.00 | 11/25/2009 2:18:04 PM |
| lendacity | $25.00 | $25.00 | 11/25/2009 2:18:11 PM |
| the-money-gargantuan | $25.00 | $25.00 | 11/25/2009 2:18:17 PM |
| skvat | $25.00 | $25.00 | 11/25/2009 2:18:25 PM |
| ryreesado | $25.00 | $25.00 | 11/25/2009 2:18:49 PM |
| skuba | $50.00 | $50.00 | 11/25/2009 2:20:47 PM |
| opt1mum | $25.00 | $25.00 | 11/25/2009 2:18:59 PM |
| portfolio-zone801 | $25.00 | $25.00 | 11/25/2009 2:19:03 PM |
| NR | $25.00 | $25.00 | 11/25/2009 2:19:14 PM |
| afotherg | $25.00 | $25.00 | 11/25/2009 2:21:00 PM |
| money-prophesy | $100.00 | $100.00 | 11/25/2009 2:19:10 PM |
| bruin558 | $78.93 | $78.93 | 11/25/2009 2:21:07 PM |
| Syndication | $25.00 | $25.00 | 11/25/2009 2:19:12 PM |
| fireboss | $25.00 | $25.00 | 11/25/2009 2:19:16 PM |
| SilverRain | $25.00 | $25.00 | 11/25/2009 2:19:19 PM |
| Kaj | $30.00 | $30.00 | 11/25/2009 2:21:27 PM |
| anacho4me | $25.00 | $25.00 | 11/25/2009 2:20:01 PM |
| nostromo | $25.00 | $25.00 | 11/25/2009 2:20:14 PM |
| roccofox | $50.00 | $50.00 | 11/25/2009 2:20:18 PM |
| BzJ108 | $25.00 | $25.00 | 11/25/2009 2:20:36 PM |
| all_of_that_one | $25.00 | $25.00 | 11/25/2009 2:22:49 PM |
| cash-boots | $25.00 | $25.00 | 11/25/2009 2:21:04 PM |
| amit_gu | $50.00 | $50.00 | 11/25/2009 2:21:33 PM |
| 371millwood | $25.00 | $25.00 | 11/25/2009 3:12:08 PM |
| mrfish15 | $25.00 | $25.00 | 11/25/2009 2:22:10 PM |
| rjleves | $25.00 | $25.00 | 11/25/2009 2:22:23 PM |
| best-deal-banker | $50.00 | $50.00 | 11/25/2009 2:22:31 PM |
| kanakakm | $47.45 | $47.45 | 11/25/2009 3:49:51 PM |
| oskizzle | $25.00 | $25.00 | 11/25/2009 3:50:24 PM |
| vegaslender88 | $25.00 | $25.00 | 11/25/2009 3:52:13 PM |
| lucrative-durability | $30.24 | $30.24 | 11/25/2009 3:52:17 PM |
| moola-rose8 | $25.00 | $25.00 | 11/25/2009 4:54:15 PM |
| Bank42 | $50.00 | $50.00 | 11/25/2009 4:32:04 PM |
| bonus-patriot | $50.00 | $50.00 | 11/25/2009 4:19:14 PM |
| honorable-yield | $70.45 | $70.45 | 11/25/2009 6:09:54 PM |
| epit | $25.00 | $25.00 | 11/25/2009 7:32:15 PM |
| payout-point | $90.25 | $90.25 | 11/25/2009 7:32:23 PM |
| gogmagog | $25.00 | $25.00 | 11/25/2009 8:50:14 PM |
| Goodlender42 | $25.00 | $25.00 | 11/25/2009 9:54:56 PM |
| jmvingeorgia | $25.00 | $25.00 | 11/25/2009 8:07:59 PM |
| repayment-chef | $25.00 | $25.00 | 11/25/2009 9:54:55 PM |
| Jassi | $25.00 | $25.00 | 11/25/2009 10:34:42 PM |
| worthy-truth | $25.00 | $25.00 | 11/26/2009 6:02:44 AM |
| CASHGIRL | $75.00 | $75.00 | 11/26/2009 12:42:38 AM |
| bold-enthralling-yield | $25.00 | $25.00 | 11/26/2009 6:02:43 AM |
| morpholog | $25.00 | $25.00 | 11/26/2009 6:02:41 AM |
| djh47a | $40.00 | $40.00 | 11/26/2009 8:59:57 AM |
| DocMan07 | $26.36 | $26.36 | 11/26/2009 9:17:11 AM |
| tolstoy00 | $25.00 | $25.00 | 11/26/2009 8:42:20 AM |
| DLock99 | $47.20 | $47.20 | 11/26/2009 10:41:29 AM |
| Veridic | $25.00 | $25.00 | 11/26/2009 8:58:10 AM |
| TrixieD | $25.00 | $25.00 | 11/26/2009 9:08:17 AM |
| Ven58 | $25.00 | $25.00 | 11/26/2009 8:52:43 AM |
| aasx1108 | $25.00 | $25.00 | 11/26/2009 9:00:08 AM |
| thedoctor | $37.55 | $37.55 | 11/26/2009 12:07:15 PM |
| PacDoor | $25.00 | $25.00 | 11/26/2009 4:31:55 PM |
| KiwiElf | $30.00 | $30.00 | 11/26/2009 12:44:18 PM |
| 1fortheroad | $25.00 | $25.00 | 11/26/2009 5:02:23 PM |
| chief219 | $25.00 | $25.00 | 11/26/2009 5:26:59 PM |
| forthright-social | $25.00 | $25.00 | 11/26/2009 3:14:45 PM |
| FutureLenderEC | $25.00 | $25.00 | 11/26/2009 3:57:38 PM |
| Divot | $25.00 | $25.00 | 11/26/2009 8:12:06 PM |
| open-minded-finance1 | $25.00 | $25.00 | 11/26/2009 5:02:22 PM |
| GhaChr | $25.00 | $25.00 | 11/26/2009 8:26:57 PM |
| Nco | $25.00 | $25.00 | 11/26/2009 8:42:43 PM |
| UKloanfella | $25.00 | $25.00 | 11/26/2009 9:26:59 PM |
| MidLifeCrisis | $25.00 | $25.00 | 11/26/2009 9:37:08 PM |
| bridgedoctor | $25.00 | $25.00 | 11/26/2009 9:42:56 PM |
| unk1911 | $25.00 | $25.00 | 11/27/2009 6:23:49 AM |
| goofy15975 | $25.00 | $25.00 | 11/27/2009 6:32:50 AM |
| pleasant-basis | $25.00 | $25.00 | 11/27/2009 6:32:44 AM |
| rakstar | $25.00 | $25.00 | 11/27/2009 7:56:28 AM |
| clarkoa | $25.00 | $25.00 | 11/27/2009 7:47:05 AM |
| wise-agile-investment | $25.00 | $25.00 | 11/27/2009 8:34:21 AM |
| winlender | $25.00 | $25.00 | 11/27/2009 9:32:42 AM |
| LittleTiny | $25.00 | $25.00 | 11/27/2009 9:37:01 AM |
| chillware | $25.00 | $25.00 | 11/27/2009 9:37:14 AM |
| Gnube | $25.00 | $25.00 | 11/27/2009 9:40:16 AM |
| sloak | $25.00 | $25.00 | 11/27/2009 9:48:14 AM |
| WaitForIt | $25.00 | $25.00 | 11/27/2009 9:54:04 AM |
| freefly67 | $25.00 | $25.00 | 11/27/2009 10:04:48 AM |
| Sixmil | $25.00 | $25.00 | 11/27/2009 10:10:32 AM |
| scoobiedoo | $25.00 | $25.00 | 11/27/2009 10:12:27 AM |
| liederhaus | $50.00 | $50.00 | 11/27/2009 9:48:26 AM |
| jybank | $25.00 | $25.00 | 11/27/2009 10:12:56 AM |
| MissionMicroFinance | $29.71 | $29.71 | 11/27/2009 10:12:39 AM |
| NS22 | $25.00 | $25.00 | 11/27/2009 10:05:38 AM |
| SpectrumCapital | $25.00 | $25.00 | 11/27/2009 11:32:38 AM |
| SpectrumFinance | $25.00 | $25.00 | 11/27/2009 1:57:47 PM |
| nickel-pipeline | $50.00 | $50.00 | 11/27/2009 7:50:43 PM |
| springpanda | $25.00 | $25.00 | 11/27/2009 10:05:50 PM |
| Pickmar | $25.00 | $25.00 | 11/28/2009 1:11:17 PM |
| julijask | $25.00 | $25.00 | 11/28/2009 4:00:17 PM |
| HenryK7 | $25.00 | $25.00 | 11/29/2009 7:21:59 PM |
| market-jam | $100.00 | $100.00 | 11/30/2009 11:32:07 AM |
| availableloan | $25.00 | $25.00 | 11/30/2009 11:39:19 AM |
| BOZO88 | $50.00 | $50.00 | 11/30/2009 7:01:56 PM |
| gustavholstopus32 | $25.00 | $25.00 | 11/30/2009 9:35:48 PM |
| gain-dynamo7 | $25.00 | $25.00 | 12/1/2009 8:22:43 AM |
| southIT | $75.00 | $75.00 | 12/1/2009 9:50:47 AM |
| first-restless-payout | $50.00 | $50.00 | 12/1/2009 9:57:02 AM |
| twenty_percent_plus | $50.00 | $50.00 | 12/1/2009 11:04:04 AM |
| longisland47m | $25.00 | $25.00 | 12/1/2009 11:06:08 AM |
| interest-friendship | $50.00 | $50.00 | 12/1/2009 12:24:19 PM |
| GoldenTicket | $53.46 | $53.46 | 12/1/2009 4:35:03 PM |
| Patrician | $100.00 | $100.00 | 12/1/2009 4:49:30 PM |
| crw1950 | $50.00 | $50.00 | 12/1/2009 6:16:28 PM |
| icon7 | $25.00 | $25.00 | 12/1/2009 8:14:57 PM |
| johnpmid | $25.00 | $25.00 | 12/1/2009 9:16:02 PM |
| shrewd-peace7 | $25.00 | $25.00 | 12/1/2009 9:03:46 PM |
| wild-orange | $25.00 | $25.00 | 12/2/2009 1:35:54 AM |
| PotBellyPete | $25.00 | $25.00 | 12/2/2009 8:23:04 AM |
| economy-popcorn | $25.00 | $25.00 | 12/2/2009 5:08:08 AM |
| catalystcf | $28.86 | $28.86 | 12/2/2009 9:02:37 AM |
| velocity-winner | $25.00 | $25.00 | 12/2/2009 9:50:33 AM |
| buffalobills | $25.00 | $25.00 | 12/2/2009 10:44:21 AM |
| atlas100 | $50.00 | $50.00 | 12/2/2009 8:42:24 AM |
| crdcteng | $50.00 | $50.00 | 12/2/2009 10:55:16 AM |
| note-pursuit | $25.00 | $25.00 | 12/2/2009 10:45:26 AM |
| mnguy8484 | $25.00 | $25.00 | 12/2/2009 11:24:06 AM |
| exciting-fairness | $200.00 | $200.00 | 12/2/2009 11:53:41 AM |
| buckyhead2000 | $25.00 | $25.00 | 12/2/2009 12:08:04 PM |
| JGuide | $25.00 | $25.00 | 12/2/2009 1:24:50 PM |
| nickel-pipeline | $53.73 | $53.73 | 12/2/2009 1:39:40 PM |
| patriot384 | $100.00 | $100.00 | 12/2/2009 1:13:36 PM |
| friendinmoney | $100.00 | $100.00 | 12/2/2009 1:51:51 PM |
| Engineer44 | $39.00 | $39.00 | 12/2/2009 1:53:09 PM |
| efficient-bid2 | $200.00 | $200.00 | 12/2/2009 1:51:15 PM |
| ljay | $25.00 | $25.00 | 11/25/2009 2:01:01 PM |
| lucrative-worth | $25.00 | $25.00 | 11/25/2009 2:01:18 PM |
| bowdish1 | $50.00 | $50.00 | 11/25/2009 2:04:51 PM |
| kginatl | $50.02 | $50.02 | 11/25/2009 2:05:54 PM |
| Cheburashka | $30.00 | $30.00 | 11/25/2009 2:09:45 PM |
| museic1 | $25.00 | $25.00 | 11/25/2009 2:15:35 PM |
| TakeCare | $100.00 | $100.00 | 11/25/2009 2:15:58 PM |
| lloyd_s | $25.00 | $25.00 | 11/25/2009 2:16:22 PM |
| the_winning_ticket | $35.00 | $35.00 | 11/25/2009 2:16:29 PM |
| bigballer105 | $25.00 | $25.00 | 11/25/2009 2:15:43 PM |
| sidney102 | $25.00 | $25.00 | 11/25/2009 2:15:52 PM |
| bchen78875 | $50.00 | $50.00 | 11/25/2009 2:16:56 PM |
| miked8303 | $25.00 | $25.00 | 11/25/2009 2:16:01 PM |
| iansays1 | $25.00 | $25.00 | 11/25/2009 2:17:17 PM |
| GElender | $50.00 | $50.00 | 11/25/2009 2:17:20 PM |
| Banker7371 | $25.00 | $25.00 | 11/25/2009 2:16:16 PM |
| magical-greenback | $55.00 | $55.00 | 11/25/2009 2:17:33 PM |
| leodaguy | $25.00 | $25.00 | 11/25/2009 2:16:27 PM |
| Artist_Blue | $25.00 | $25.00 | 11/25/2009 2:17:59 PM |
| E_G | $50.00 | $50.00 | 11/25/2009 2:16:36 PM |
| burgeoning-silver | $25.00 | $25.00 | 11/25/2009 2:16:39 PM |
| a-responsible-return | $25.00 | $25.00 | 11/25/2009 2:16:45 PM |
| personal-lender | $25.00 | $25.00 | 11/25/2009 2:16:49 PM |
| Weaverville | $25.00 | $25.00 | 11/25/2009 2:16:52 PM |
| DonaldColorado | $25.00 | $25.00 | 11/25/2009 2:18:27 PM |
| gracej | $25.00 | $25.00 | 11/25/2009 2:17:02 PM |
| djs81 | $25.00 | $25.00 | 11/25/2009 2:18:55 PM |
| evnagelist | $50.00 | $50.00 | 11/25/2009 2:17:24 PM |
| newbietony | $40.00 | $40.00 | 11/25/2009 2:17:27 PM |
| forthright-dedication | $25.00 | $25.00 | 11/25/2009 2:19:07 PM |
| Havana21 | $50.00 | $50.00 | 11/25/2009 2:17:29 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 11/25/2009 2:17:46 PM |
| kulender | $25.00 | $25.00 | 11/25/2009 2:17:40 PM |
| SNH | $50.00 | $50.00 | 11/25/2009 2:18:01 PM |
| orange-courageous-dedication | $40.00 | $40.00 | 11/25/2009 2:17:50 PM |
| fair-funds | $25.00 | $25.00 | 11/25/2009 2:17:54 PM |
| bigdogsafety1 | $25.00 | $25.00 | 11/25/2009 2:19:58 PM |
| thestartuplender | $50.00 | $50.00 | 11/25/2009 2:18:20 PM |
| teller | $60.00 | $60.00 | 11/25/2009 2:18:34 PM |
| dinero-oasis | $25.00 | $25.00 | 11/25/2009 2:18:38 PM |
| salala | $25.00 | $25.00 | 11/25/2009 2:20:44 PM |
| jd006006 | $50.00 | $50.00 | 11/25/2009 2:20:49 PM |
| affluence-tycoon | $25.00 | $25.00 | 11/25/2009 2:19:01 PM |
| DukSerduk | $25.00 | $25.00 | 11/25/2009 2:20:58 PM |
| mlkhamilton | $25.00 | $25.00 | 11/25/2009 2:19:05 PM |
| natmonkey | $25.00 | $25.00 | 11/25/2009 2:19:24 PM |
| wealth-cloud | $25.00 | $25.00 | 11/25/2009 2:21:22 PM |
| Pasagam | $25.00 | $25.00 | 11/25/2009 2:19:22 PM |
| cozy-note | $100.00 | $100.00 | 11/25/2009 2:20:07 PM |
| Steveoo1 | $25.00 | $25.00 | 11/25/2009 2:20:10 PM |
| desertoasis | $25.00 | $25.00 | 11/25/2009 2:20:16 PM |
| ytjameslee | $50.00 | $50.00 | 11/25/2009 2:20:20 PM |
| foxy-vigilance | $25.00 | $25.00 | 11/25/2009 2:20:27 PM |
| diversification-viking | $25.00 | $25.00 | 11/25/2009 2:20:25 PM |
| supreme-hope | $25.00 | $25.00 | 11/25/2009 2:22:37 PM |
| AndersenWatcher | $25.00 | $25.00 | 11/25/2009 2:20:32 PM |
| loan-machine1 | $25.00 | $25.00 | 11/25/2009 2:20:50 PM |
| impartial-deal | $25.00 | $25.00 | 11/25/2009 2:37:55 PM |
| the-bright-velocity | $50.00 | $50.00 | 11/25/2009 2:22:04 PM |
| toblerone | $25.00 | $25.00 | 11/25/2009 2:21:53 PM |
| wonderful-rupee | $25.00 | $25.00 | 11/25/2009 2:22:17 PM |
| Psalm1 | $50.00 | $50.00 | 11/25/2009 2:22:27 PM |
| verse99 | $25.00 | $25.00 | 11/25/2009 3:52:19 PM |
| blot44 | $25.00 | $25.00 | 11/25/2009 7:31:45 PM |
| open-wealth492 | $25.00 | $25.00 | 11/25/2009 7:12:28 PM |
| Cai8899 | $75.00 | $75.00 | 11/25/2009 7:30:01 PM |
| SDNLR | $25.00 | $25.00 | 11/25/2009 7:32:25 PM |
| compoundinterest | $25.00 | $25.00 | 11/25/2009 8:08:01 PM |
| jasonj72 | $25.00 | $25.00 | 11/25/2009 7:52:45 PM |
| jameskdean | $25.00 | $25.00 | 11/25/2009 8:17:19 PM |
| Northsider | $25.00 | $25.00 | 11/26/2009 1:07:02 AM |
| Hogpilot | $25.00 | $25.00 | 11/26/2009 2:27:26 AM |
| zoomdrm57 | $25.00 | $25.00 | 11/26/2009 1:07:47 AM |
| patriot384 | $100.00 | $100.00 | 11/26/2009 5:36:31 AM |
| bigphish | $25.00 | $25.00 | 11/26/2009 8:12:07 AM |
| cerebral-return3 | $25.00 | $25.00 | 11/26/2009 6:17:20 AM |
| Kelor99 | $25.00 | $25.00 | 11/26/2009 6:49:49 AM |
| rate-hickory | $25.00 | $25.00 | 11/26/2009 8:47:20 AM |
| Gadgetae86 | $25.00 | $25.00 | 11/26/2009 9:08:13 AM |
| wise-cash-keeper | $50.00 | $50.00 | 11/26/2009 9:07:58 AM |
| wrighco | $25.00 | $25.00 | 11/26/2009 11:22:44 AM |
| best-decisive-peace | $25.00 | $25.00 | 11/26/2009 9:17:07 AM |
| BankofRon | $25.00 | $25.00 | 11/26/2009 9:42:10 AM |
| anton | $25.00 | $25.00 | 11/26/2009 12:38:49 PM |
| wampum-cocktail | $25.00 | $25.00 | 11/26/2009 12:44:00 PM |
| mtp | $50.00 | $50.00 | 11/26/2009 12:53:04 PM |
| iolaire | $25.00 | $25.00 | 11/26/2009 1:38:15 PM |
| blackstar | $25.00 | $25.00 | 11/26/2009 12:32:48 PM |
| ddoneday | $25.00 | $25.00 | 11/26/2009 4:29:38 PM |
| Hondo | $25.00 | $25.00 | 11/26/2009 12:41:56 PM |
| Tom579 | $25.00 | $25.00 | 11/26/2009 5:47:09 PM |
| pragmatic-contract | $25.00 | $25.00 | 11/26/2009 8:11:54 PM |
| money-prophesy | $150.00 | $150.00 | 11/26/2009 8:12:22 PM |
| SqueezeKing | $25.00 | $25.00 | 11/26/2009 5:11:57 PM |
| Daheavy1 | $28.07 | $28.07 | 11/26/2009 8:57:25 PM |
| bedframe | $25.00 | $25.00 | 11/26/2009 9:43:11 PM |
| new-nourishing-silver | $25.00 | $25.00 | 11/27/2009 2:46:57 AM |
| Dairyboy | $25.00 | $25.00 | 11/27/2009 3:33:20 AM |
| caseattle | $25.00 | $25.00 | 11/26/2009 8:19:55 PM |
| greenbackologist | $25.00 | $25.00 | 11/27/2009 3:37:11 AM |
| transparency-giant | $38.46 | $38.46 | 11/27/2009 4:17:03 AM |
| Blue_HorseShoe | $25.00 | $25.00 | 11/27/2009 4:58:40 AM |
| neenerman | $75.00 | $75.00 | 11/27/2009 6:07:38 AM |
| bradny | $25.00 | $25.00 | 11/27/2009 6:14:53 AM |
| zeelender | $25.00 | $25.00 | 11/27/2009 6:32:46 AM |
| Eagledrop | $25.00 | $25.00 | 11/27/2009 6:32:02 AM |
| proteinart | $25.00 | $25.00 | 11/27/2009 5:17:05 AM |
| asset-caballero | $25.00 | $25.00 | 11/27/2009 7:40:51 AM |
| TriSail | $25.00 | $25.00 | 11/27/2009 8:03:52 AM |
| khafra | $50.00 | $50.00 | 11/27/2009 7:07:09 AM |
| Lancasterdust | $25.00 | $25.00 | 11/27/2009 9:02:50 AM |
| cji | $25.00 | $25.00 | 11/27/2009 9:03:02 AM |
| summerlander | $25.00 | $25.00 | 11/27/2009 9:12:13 AM |
| BeansMan02 | $25.00 | $25.00 | 11/27/2009 9:37:05 AM |
| credit-coach118 | $25.00 | $25.00 | 11/27/2009 8:37:28 AM |
| harnobuff | $25.00 | $25.00 | 11/27/2009 9:37:37 AM |
| aspen5 | $25.00 | $25.00 | 11/27/2009 9:38:17 AM |
| BiggestG | $25.00 | $25.00 | 11/27/2009 9:40:21 AM |
| zenchef | $25.00 | $25.00 | 11/27/2009 9:40:24 AM |
| mjjjrj | $25.00 | $25.00 | 11/27/2009 9:38:14 AM |
| rulender | $50.00 | $50.00 | 11/27/2009 9:38:57 AM |
| JSKUSN | $25.00 | $25.00 | 11/27/2009 9:39:09 AM |
| goldeneye777 | $25.00 | $25.00 | 11/27/2009 9:39:16 AM |
| redmonkey | $25.00 | $25.00 | 11/27/2009 10:12:28 AM |
| emo13 | $46.71 | $46.71 | 11/27/2009 10:12:26 AM |
| minista | $25.00 | $25.00 | 11/27/2009 10:13:04 AM |
| Feline_Parent | $25.00 | $25.00 | 11/27/2009 10:11:58 AM |
| mjm77_1 | $25.00 | $25.00 | 11/27/2009 10:12:31 AM |
| dionysus03 | $25.00 | $8.84 | 11/27/2009 10:12:53 AM |
| a2190b | $25.00 | $25.00 | 11/27/2009 3:04:27 PM |
| wwwUniversal | $25.00 | $25.00 | 11/27/2009 7:45:26 PM |
| repayment-radio | $50.00 | $50.00 | 11/28/2009 6:50:08 AM |
| vtpilot00 | $50.00 | $50.00 | 11/28/2009 7:43:09 AM |
| springpanda | $25.00 | $25.00 | 11/28/2009 1:14:24 PM |
| outofoffice | $74.01 | $74.01 | 11/28/2009 8:46:03 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/29/2009 4:17:38 PM |
| funds-kingdom | $25.00 | $25.00 | 11/29/2009 5:51:18 PM |
| MattProsper | $50.00 | $50.00 | 11/30/2009 8:23:51 PM |
| microfunder | $25.00 | $25.00 | 12/1/2009 6:32:04 AM |
| rmpedi33 | $100.00 | $100.00 | 12/1/2009 8:04:35 AM |
| found | $62.21 | $62.21 | 12/1/2009 8:55:04 AM |
| skillful-diversification2 | $25.00 | $25.00 | 12/1/2009 9:00:50 AM |
| flshdaskll | $25.00 | $25.00 | 12/1/2009 9:15:39 AM |
| StocksMan | $50.00 | $50.00 | 12/1/2009 10:39:01 AM |
| iruz | $68.53 | $68.53 | 12/1/2009 10:25:21 AM |
| orbiter614 | $75.00 | $75.00 | 12/1/2009 12:14:46 PM |
| interest-friendship | $50.00 | $50.00 | 12/1/2009 12:24:03 PM |
| dmitriy2 | $25.00 | $25.00 | 12/1/2009 12:31:49 PM |
| JGuide | $25.00 | $25.00 | 12/1/2009 3:35:51 PM |
| radiant-peace | $25.00 | $25.00 | 12/1/2009 3:42:14 PM |
| oldman68 | $25.00 | $25.00 | 12/1/2009 4:06:14 PM |
| HarleyBoy | $25.00 | $25.00 | 12/1/2009 4:01:17 PM |
| building_community | $25.00 | $25.00 | 12/1/2009 5:34:54 PM |
| dsparrow | $39.59 | $39.59 | 12/1/2009 9:14:51 PM |
| elevated-finance | $25.00 | $25.00 | 12/1/2009 8:34:35 PM |
| BR-549 | $25.00 | $25.00 | 12/2/2009 4:31:42 AM |
| comicgeek | $27.76 | $27.76 | 12/2/2009 7:27:38 AM |
| Share-the-wealth | $100.00 | $100.00 | 12/2/2009 6:41:56 AM |
| Scubadiver | $27.61 | $27.61 | 12/2/2009 7:04:26 AM |
| worth-arch | $25.00 | $25.00 | 12/2/2009 10:51:06 AM |
| 309 bids
|
Borrower Payment Dependent Notes Series
435346
This series of Notes was issued and sold upon the funding of the borrower loan #39865, 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:
| 14.0% |
Auction start date:
| Nov-25-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 30.86% |
Starting borrower rate/APR:
| 31.86% / 34.27% |
Starting monthly payment:
| $130.43 |
|
Final lender yield:
| 29.00% |
Final borrower rate/APR:
| 30.00% / 32.38% |
Final monthly payment:
| $127.35 |
| |
|
Auction yield range:
| 14.20% - 30.86% |
Estimated loss impact:
| 15.33% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.67% | | |
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:
| 6 |
First credit line:
| Aug-1983 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 13
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 22y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $39,007 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| justice-master0 |
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
Combining Small Loans
Purpose of loan:
This loan will be used to?? Payoff some small loans that I have taken out to fund my child's college expenses.?
My financial situation:
I am a good candidate for this loan because? I have a very good job and a steady income.? I have been employeed by the same company for obrt 22 years.? I have a very strong work ethic and have been promoted several times due to my work habits.? I am now an Accounting supervisor.? I have made a few?incorrect choices when it comes to financing my son's college career.? I would like to reduce my debt to earnings ratio,?by combining some of my smaller loans, which will enable me to work on paying down my credit cards as well.?? I have lived at the same address for 23 years, and I have always paid my debts. I have never defaulted on a loan because I was taught by my parents that you always pay back what you owe.? I just need some extra help to get myself back in the financial position that makes me comfortable.? I plan to payoff the debt as fast as possible, so that I can increase my credit score by decreasing my debt to earnings ratio.? I am a strong family person that enjoys spending time with my children and husband.? I have been married for almost 25 years, and I am a very committed mother, wife and employee.? My joys in life are spending time with family and friends.? I also love to bake and do yard work.
Monthly net income: $ 4441.00
Monthly expenses: $?3000
??Housing: $ 325
??Insurance: $ 259
??Car expenses: $?515
??Utilities: $ 200
??Phone, cable, internet: $ 65
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1036
??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:
Do the monthly amounts above include your husband's income and expenses? Thanks - reflective-rupee
A:
No, they include only my income.
(Dec-01-2009)
Q:
As you appear to have about $1500 of excess cash flow each month, why do you need this proposed $3000 loan? Thanks - reflective-rupee
A:
The expenses shown do not reflect the expenses for my son's college tuition and his living expenses. His tuition was $2600. HIs books were $250 and his living expenses per month average around $500 for his half of an apartment, utilities, gas and food. I took out a small loan from my mother to help pay his tuition, and I need to pay her back, since she is retired and needs the money.
(Dec-01-2009)
Q:
Could you please indicate your husband's monthly net income and his monthly expenses? thanks - reflective-rupee
A:
I do not want his income/expenses considered for this loan. Our income and expenses are managed separately.
(Dec-01-2009)
Q:
Could you please indicate the current value of your house, and the amount of debt (mortgage and HELOC) that you have on it? thanks - reflective-rupee
A:
I am not sure of the exact value of my house because I have not had it appraised in a while. I owe around $84,000, and the last appraisal was around $125,000. The insured value is $160,000.
(Dec-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| loss-of-control | $50.00 | $50.00 | 11/30/2009 6:56:46 PM |
| getreadyloans | $35.00 | $35.00 | 12/1/2009 6:46:56 AM |
| investment-visionary | $78.51 | $78.51 | 12/1/2009 11:14:05 AM |
| supreme-justice3 | $100.00 | $100.00 | 12/1/2009 3:41:42 PM |
| Peterman | $50.00 | $13.51 | 12/1/2009 4:09:18 PM |
| well-mannered-income3 | $250.00 | $250.00 | 12/1/2009 4:20:40 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 4:28:04 PM |
| icecoldcash | $25.00 | $25.00 | 12/1/2009 5:48:42 PM |
| stable-commitment2 | $100.00 | $100.00 | 12/1/2009 5:19:34 PM |
| honorable-yield | $35.00 | $35.00 | 12/1/2009 7:51:23 PM |
| peso-bonaza | $25.00 | $25.00 | 12/1/2009 9:03:42 PM |
| Lender0000 | $150.00 | $150.00 | 12/1/2009 9:17:20 PM |
| Lender0000 | $150.00 | $150.00 | 12/1/2009 9:17:53 PM |
| Peterman | $75.00 | $75.00 | 12/2/2009 7:37:13 AM |
| Happy-Man | $25.00 | $25.00 | 12/2/2009 9:13:27 AM |
| nickel-pipeline | $25.00 | $25.00 | 12/2/2009 9:53:01 AM |
| double22 | $42.11 | $42.11 | 12/2/2009 9:24:25 AM |
| irishlaw | $60.00 | $60.00 | 12/2/2009 9:18:26 AM |
| five-star-note | $28.61 | $28.61 | 12/2/2009 11:09:07 AM |
| worldly-gold | $50.00 | $50.00 | 12/2/2009 12:50:03 PM |
| favorable-dough | $33.01 | $33.01 | 12/2/2009 1:47:31 PM |
| kinetic-social | $25.00 | $25.00 | 12/2/2009 1:51:17 PM |
| jybank | $25.00 | $25.00 | 12/2/2009 1:09:35 PM |
| worldly-gold | $100.00 | $100.00 | 12/2/2009 1:27:00 PM |
| maga | $54.00 | $54.00 | 12/2/2009 1:40:37 PM |
| reflective-rupee | $50.00 | $50.00 | 11/25/2009 2:19:45 PM |
| loss-of-control | $50.00 | $50.00 | 11/30/2009 6:56:23 PM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 5:44:03 AM |
| reflective-rupee | $50.00 | $50.00 | 12/1/2009 5:43:33 AM |
| newbietony | $30.00 | $30.00 | 12/1/2009 10:19:45 AM |
| reciprocate | $100.00 | $100.00 | 12/1/2009 1:21:43 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 12/1/2009 4:17:46 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 4:28:19 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 4:28:34 PM |
| kindness-jedi | $25.00 | $25.00 | 12/1/2009 4:39:51 PM |
| daekpon | $25.00 | $25.00 | 12/1/2009 5:17:56 PM |
| shrewd-income | $50.00 | $50.00 | 12/1/2009 5:43:23 PM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 5:58:29 PM |
| pietro_torna_indietro | $100.00 | $100.00 | 12/1/2009 9:24:08 PM |
| beach_bum | $25.00 | $25.00 | 12/2/2009 5:58:59 AM |
| ronin4sale | $25.00 | $25.00 | 12/2/2009 4:19:16 AM |
| bestloanrate | $25.00 | $25.00 | 12/2/2009 6:39:48 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/2/2009 10:38:01 AM |
| PotBellyPete | $29.38 | $29.38 | 12/2/2009 8:25:06 AM |
| Rip128 | $25.00 | $25.00 | 12/2/2009 11:08:19 AM |
| exciting-fairness | $200.00 | $200.00 | 12/2/2009 11:56:06 AM |
| tigercat | $46.87 | $46.87 | 12/2/2009 12:46:06 PM |
| ColoradoLender82 | $25.00 | $25.00 | 12/2/2009 12:47:56 PM |
| Skeptical-one | $25.00 | $25.00 | 12/2/2009 12:48:46 PM |
| tzvie | $25.00 | $25.00 | 12/2/2009 11:46:53 AM |
| gold-cluster | $100.00 | $100.00 | 12/2/2009 12:54:14 PM |
| caddy5662 | $100.00 | $100.00 | 12/2/2009 1:38:12 PM |
| realtormoises | $25.00 | $25.00 | 12/2/2009 12:49:25 PM |
| Engineer44 | $39.00 | $39.00 | 12/2/2009 1:54:36 PM |
| newequity | $25.00 | $25.00 | 12/2/2009 1:47:33 PM |
| 55 bids
|
Borrower Payment Dependent Notes Series
435414
This series of Notes was issued and sold upon the funding of the borrower loan #39864, 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-30-2009 |
| |
Auction end date:
| Dec-06-2009 |
|
|
Starting lender yield:
| 26.49% |
Starting borrower rate/APR:
| 27.49% / 29.83% |
Starting monthly payment:
| $82.18 |
|
Final lender yield:
| 25.00% |
Final borrower rate/APR:
| 26.00% / 28.32% |
Final monthly payment:
| $80.58 |
| |
|
Auction yield range:
| 11.20% - 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:
| 7 |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 13
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 32 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,856 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 3 |
Bankcard utilization:
| 40% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| peyton13 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 600-619
(Jan-2008)
620-639
(Dec-2007)
|
|
Principal balance:
| $1,223.63 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Home Improvement Loan
Purpose of loan:
I just bought my first home and I want to make a few improvements to it without borrowing on a credit card.
My financial situation:
I just bought my first home so my credit situation is MUCH better than it was when I borrowed on here the first time.? I only have about 3K in credit card debt and my Chrysler 300 is paid off so no car payment currently.? I have made ALL of my payments on time with my first loan on Prosper and promise to do the same if I can procure another one.
Monthly net income: $3,000+
Monthly expenses: $
??Housing: $1200
??Insurance: paid for?by?my employer?
??Car expenses: paid for?by my employer?
??Utilities: $200
??Phone, cable, internet: $170
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: 350
??Other expenses: $200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 3:28:39 PM |
| Aberdeen | $300.00 | $300.00 | 11/30/2009 4:14:23 PM |
| foothillender | $25.00 | $25.00 | 12/1/2009 7:36:38 AM |
| loss-of-control | $50.00 | $50.00 | 12/1/2009 6:16:04 PM |
| shawnw2 | $50.00 | $50.00 | 12/2/2009 7:43:28 AM |
| newbietony | $30.00 | $30.00 | 12/2/2009 3:20:56 PM |
| impala6464 | $40.48 | $40.48 | 12/2/2009 7:16:26 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/3/2009 6:43:48 AM |
| balance-warrior | $25.00 | $25.00 | 12/3/2009 8:07:21 AM |
| currency-bumblebee | $50.00 | $50.00 | 12/3/2009 10:27:43 AM |
| brother_tam | $200.00 | $200.00 | 12/3/2009 8:36:53 PM |
| CA_Lender | $25.00 | $25.00 | 12/4/2009 1:08:27 AM |
| martymaniaman | $46.64 | $46.64 | 12/4/2009 6:14:35 AM |
| btormc5 | $30.00 | $30.00 | 12/4/2009 6:24:13 AM |
| MrLeft | $25.00 | $25.00 | 12/4/2009 6:46:31 AM |
| benrice | $26.00 | $26.00 | 12/4/2009 11:51:10 AM |
| marwadi-62 | $100.00 | $100.00 | 12/4/2009 3:00:02 PM |
| FinDoc | $25.00 | $25.00 | 12/4/2009 5:18:55 PM |
| peb44 | $25.00 | $25.00 | 12/5/2009 5:18:35 AM |
| kttalamo | $50.00 | $50.00 | 12/5/2009 10:04:34 AM |
| ddoneday | $25.00 | $25.00 | 12/5/2009 5:20:43 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 12/5/2009 7:26:33 PM |
| DebDesert | $45.00 | $45.00 | 12/5/2009 8:05:59 PM |
| professional-finance | $25.00 | $25.00 | 12/6/2009 8:02:31 AM |
| Bob450 | $25.00 | $25.00 | 11/30/2009 10:59:55 PM |
| Thought | $50.00 | $50.00 | 12/1/2009 2:58:50 PM |
| loyalist1 | $25.00 | $25.00 | 12/2/2009 7:33:50 AM |
| EretzCapital | $100.00 | $73.08 | 12/3/2009 8:43:57 AM |
| grnii78 | $109.35 | $109.35 | 12/3/2009 10:31:10 PM |
| Pu239 | $50.00 | $50.00 | 12/4/2009 8:10:54 AM |
| Rulea72 | $60.98 | $60.98 | 12/4/2009 9:22:49 AM |
| vontuse | $74.84 | $74.84 | 12/4/2009 9:01:04 AM |
| loyalist1 | $25.00 | $25.00 | 12/4/2009 12:01:35 PM |
| lifelongreds | $50.00 | $50.00 | 12/5/2009 8:57:09 AM |
| bondhedger | $25.00 | $25.00 | 12/5/2009 9:08:40 AM |
| credit-coach118 | $30.00 | $30.00 | 12/5/2009 4:29:30 PM |
| orange-pound-party | $25.00 | $25.00 | 12/5/2009 7:15:52 PM |
| pellet | $58.63 | $58.63 | 12/5/2009 5:29:14 PM |
| Kash2010lu | $25.00 | $25.00 | 12/6/2009 9:41:37 AM |
| 39 bids
|
Borrower Payment Dependent Notes Series
435508
This series of Notes was issued and sold upon the funding of the borrower loan #39861, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,300.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-04-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.17% |
Starting monthly payment:
| $58.81 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.17% |
Final monthly payment:
| $58.81 |
| |
|
Auction yield range:
| 14.20% - 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:
| Jul-1989 |
Debt/Income ratio:
| 56% |
|
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 13
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 4 |
Total credit lines:
| 55 | Length of status: | 0y 4m |
|
Amount delinquent:
| $1,908 |
Revolving credit balance:
| $24,198 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| marketplace-chef |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 660-679
(Sep-2008)
|
|
Principal balance:
| $1,942.61 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
2nd Prosper Loan - 100% on time
Purpose of loan:
This loan will be used to? Catch up on my bills.? I was laid off from my job of 12 years in February 2009.? I started working again July 2009.? I love my new job!!!
My financial situation:
I am a good candidate for this loan because? I have a current Prosper loan that I have never missed a payment.? We have fallen a little behind on?our bills - we are still paying all of them just a little late. ?Please help us catch up on our bills that we fell a little behind on while I was unemployed.
I have a great job that I love!!? My base is not that high, but I will make double that this year in commission and bonus.
My base is 50K, but I am making 75K currently with my job.
Monthly net income: $ 4000
Monthly expenses: $ 3300
??Housing: $ 1700.00
??Insurance: $ 100.00
??Car expenses: $ 250.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 700.00
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| flexible-economy2 | $150.00 | $150.00 | 11/30/2009 10:46:09 AM |
| heerzaquestion | $25.00 | $25.00 | 12/3/2009 10:14:51 AM |
| JustMee | $25.00 | $25.00 | 12/4/2009 7:38:09 AM |
| kingbob | $25.00 | $0.06 | 12/4/2009 8:58:28 AM |
| reliable-vigilance | $30.00 | $30.00 | 12/4/2009 11:56:07 AM |
| Dave_Cashflow | $27.87 | $27.87 | 12/4/2009 12:09:24 PM |
| compassion-spy | $100.00 | $100.00 | 12/4/2009 2:15:58 PM |
| GetLoan | $25.00 | $25.00 | 12/4/2009 2:47:47 PM |
| bondhedger | $25.00 | $25.00 | 12/4/2009 4:48:24 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 1:17:09 PM |
| Jasmel | $50.00 | $50.00 | 11/30/2009 8:24:30 PM |
| Bob450 | $25.00 | $25.00 | 12/1/2009 8:00:44 AM |
| winmals | $25.00 | $25.00 | 12/1/2009 2:59:08 PM |
| newbietony | $30.00 | $30.00 | 12/2/2009 10:51:48 AM |
| currency-bumblebee | $25.00 | $25.00 | 12/3/2009 10:39:10 AM |
| gold-cluster | $100.00 | $100.00 | 12/3/2009 11:42:14 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/3/2009 1:50:40 PM |
| brother_tam | $300.00 | $300.00 | 12/3/2009 8:43:02 PM |
| EEasyMoney | $25.00 | $25.00 | 12/4/2009 7:30:50 AM |
| mrxtravis | $50.00 | $50.00 | 12/4/2009 7:04:25 AM |
| Ronnieboy888 | $25.00 | $25.00 | 12/4/2009 9:10:17 AM |
| beezling | $100.00 | $100.00 | 12/4/2009 12:22:10 PM |
| Feyenoord | $49.56 | $49.56 | 12/4/2009 4:47:36 PM |
| JauaFlash | $37.51 | $37.51 | 12/4/2009 4:47:52 PM |
| 24 bids
|
Borrower Payment Dependent Notes Series
435574
This series of Notes was issued and sold upon the funding of the borrower loan #39856, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $85.44 |
|
Final lender yield:
| 9.00% |
Final borrower rate/APR:
| 10.00% / 12.11% |
Final monthly payment:
| $80.67 |
| |
|
Auction yield range:
| 4.20% - 13.00% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 720-739 (Nov-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 4 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $23 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| capital-brigade400 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Sep-2008)
|
|
Principal balance:
| $1,372.18 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
paying off another loan
Purpose of loan:
This loan will be used to? I will pay off my current Prosper loan, purchase propane for heat for the winter, purchase Christmas presents for my son,? and pay my property taxes.? I will apply any left over toward my car loan.
My financial situation:
I am a good candidate for this loan because? I am employed full time, I do have the funds to pay it off monthy, I am current on all bills.
Monthly net income: $ 1889.60
Monthly expenses: $
??Housing: $ 350
??Insurance: $ 93 health
??Car expenses: $ payment 270? insurance?129
??Utilities: $?80
??Phone, cable, internet: $ 125
??Food, entertainment: $350
??Clothing, household expenses $?100
??Credit cards and other loans: $ 50 credit card balance?
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| availableloan | $25.00 | $25.00 | 11/30/2009 11:39:28 AM |
| DrNano | $50.00 | $50.00 | 12/1/2009 12:23:08 PM |
| zoink | $100.00 | $100.00 | 12/2/2009 5:03:17 AM |
| dudebrah | $25.00 | $25.00 | 12/2/2009 3:02:54 PM |
| impartial-deal | $28.07 | $28.07 | 12/2/2009 4:24:43 PM |
| Richmp412 | $25.00 | $25.00 | 12/4/2009 8:24:17 AM |
| bansir | $25.00 | $25.00 | 12/4/2009 2:33:51 PM |
| bkb7484 | $25.00 | $25.00 | 12/4/2009 10:16:41 PM |
| payontime1 | $50.00 | $50.00 | 12/4/2009 9:13:20 PM |
| Lender0307 | $25.00 | $25.00 | 12/4/2009 10:12:06 PM |
| JerryB96 | $25.00 | $25.00 | 12/5/2009 8:19:15 AM |
| HealthAndSafety | $50.00 | $50.00 | 12/5/2009 4:31:35 PM |
| JDLanier | $25.00 | $25.00 | 12/5/2009 10:12:50 PM |
| drummerdad | $25.00 | $25.00 | 12/6/2009 9:48:18 AM |
| mclean_loaner | $50.00 | $50.00 | 12/6/2009 11:43:07 AM |
| GBlack | $30.00 | $30.00 | 12/6/2009 10:01:17 PM |
| ptjg | $50.00 | $50.00 | 12/7/2009 1:45:49 AM |
| Snoopylover | $25.00 | $25.00 | 12/7/2009 6:10:07 AM |
| Moneypenny6 | $25.00 | $25.00 | 12/7/2009 6:46:47 AM |
| repayment-radio | $100.00 | $100.00 | 12/7/2009 8:46:03 AM |
| jagpartnershp | $25.00 | $25.00 | 12/7/2009 7:42:37 AM |
| brightest-economy-tsunami | $25.00 | $25.00 | 12/7/2009 7:58:58 AM |
| kf88 | $30.00 | $30.00 | 12/7/2009 8:37:14 AM |
| sflash | $25.00 | $25.00 | 12/7/2009 9:07:58 AM |
| market-jam | $35.00 | $35.00 | 11/30/2009 2:39:23 PM |
| Syzygy | $25.00 | $25.00 | 12/1/2009 10:43:54 AM |
| fr0gpil0t | $25.00 | $25.00 | 12/3/2009 7:40:03 AM |
| rmpedi33 | $150.00 | $147.93 | 12/3/2009 10:47:55 AM |
| LittleMingo | $25.00 | $25.00 | 12/4/2009 9:40:33 AM |
| WILender2 | $50.00 | $50.00 | 12/4/2009 10:19:24 AM |
| marwadi-62 | $100.00 | $100.00 | 12/4/2009 3:16:56 PM |
| oldman68 | $25.00 | $25.00 | 12/4/2009 11:40:26 PM |
| myidear | $30.00 | $30.00 | 12/5/2009 3:58:18 AM |
| reBuild-America | $25.00 | $25.00 | 12/5/2009 5:06:30 PM |
| dontscrewmeover1 | $50.00 | $50.00 | 12/5/2009 5:39:26 PM |
| hidavehi | $64.00 | $64.00 | 12/6/2009 4:11:03 PM |
| cwegert | $400.00 | $400.00 | 12/6/2009 6:09:26 PM |
| lender12345 | $25.00 | $25.00 | 12/6/2009 7:24:57 PM |
| orange-pound-party | $25.00 | $25.00 | 12/6/2009 6:27:51 PM |
| dbanwart | $50.00 | $50.00 | 12/6/2009 6:29:42 PM |
| ryan6853 | $25.00 | $25.00 | 12/6/2009 9:50:12 PM |
| jybank | $25.00 | $25.00 | 12/6/2009 8:36:24 PM |
| Frugal | $25.00 | $25.00 | 12/6/2009 9:25:59 PM |
| generous-deal6 | $50.00 | $50.00 | 12/7/2009 6:32:40 AM |
| elegant-bonus | $25.00 | $25.00 | 12/7/2009 6:48:17 AM |
| icon7 | $25.00 | $25.00 | 12/7/2009 7:08:33 AM |
| amor1962 | $25.00 | $25.00 | 12/7/2009 5:18:52 AM |
| exciting-fairness | $200.00 | $200.00 | 12/7/2009 8:35:15 AM |
| Astyanax | $25.00 | $25.00 | 12/7/2009 9:10:03 AM |
| heerzaquestion | $35.00 | $35.00 | 12/7/2009 8:52:37 AM |
| methodical-loot | $25.00 | $25.00 | 12/7/2009 9:19:21 AM |
| kinetic-social | $25.00 | $25.00 | 12/7/2009 9:14:28 AM |
| 52 bids
|
Borrower Payment Dependent Notes Series
435708
This series of Notes was issued and sold upon the funding of the borrower loan #39806, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 17.20% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
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:
| Jan-2008 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 600-619 (Nov-2009) |
Current / open credit lines:
| 7
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,317 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| BARNAPAS |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 600-619
(Jul-2008)
580-599
(Jun-2008)
|
|
Principal balance:
| $1,612.41 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
ADVERTISEMENT AND EQUIPMENT PHOTO B
Purpose of loan:
This loan will be used to? PURCHASE OF EQUIPMENT AND WEB SITE / ADVERTISEMENT
My financial situation:
I am a good candidate for this loan because? I AM EMPLOYED AND HAVE A SMALL BUSINESS THAT IS GROWING
Monthly net income: $ 2600 FROM MY J.O.B.
Monthly expenses: $
??Housing: $ 586
??Insurance: $ 52.00
??Car expenses: $ 200
??Utilities: $ 180
??Phone, cable, internet: $ 156.00
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $100.00 | $100.00 | 11/30/2009 11:35:35 AM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 1:41:19 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 4:13:49 PM |
| currency-bumblebee | $25.00 | $25.00 | 12/3/2009 10:52:22 AM |
| 113121 | $25.00 | $25.00 | 12/4/2009 9:21:15 AM |
| income-rocker2 | $164.49 | $164.49 | 12/4/2009 12:46:40 PM |
| sorace | $50.00 | $50.00 | 12/4/2009 5:11:47 PM |
| pietro_torna_indietro | $49.71 | $49.71 | 12/4/2009 7:58:31 PM |
| OrdiNance | $25.00 | $25.00 | 12/5/2009 10:28:34 AM |
| vest_vortex | $50.00 | $50.00 | 12/5/2009 2:15:49 PM |
| brother_tam | $100.00 | $100.00 | 12/5/2009 4:38:15 PM |
| honorable-yield | $25.00 | $25.00 | 12/6/2009 11:51:09 AM |
| grotheik | $25.00 | $25.00 | 12/6/2009 10:02:14 AM |
| reflective-rupee | $60.00 | $60.00 | 12/6/2009 7:27:09 PM |
| Bob450 | $25.00 | $25.00 | 12/6/2009 8:10:51 PM |
| well-mannered-income3 | $50.00 | $50.00 | 12/6/2009 4:50:39 PM |
| TakeCare | $100.00 | $100.00 | 12/6/2009 9:01:31 PM |
| SDD123 | $25.00 | $25.00 | 12/7/2009 4:45:51 AM |
| icon7 | $25.00 | $25.00 | 12/7/2009 7:18:34 AM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 2:02:07 PM |
| unk1911 | $25.00 | $25.00 | 12/1/2009 4:38:46 PM |
| reflective-rupee | $100.00 | $100.00 | 12/3/2009 7:34:57 PM |
| reflective-rupee | $300.00 | $300.00 | 12/3/2009 7:59:19 PM |
| reflective-rupee | $300.00 | $300.00 | 12/3/2009 7:59:07 PM |
| reflective-rupee | $210.00 | $210.00 | 12/4/2009 6:23:39 AM |
| Ronnieboy888 | $25.00 | $25.00 | 12/4/2009 9:12:03 AM |
| reliable-vigilance | $40.00 | $40.00 | 12/4/2009 11:57:55 AM |
| reflective-rupee | $60.00 | $60.00 | 12/4/2009 12:48:46 PM |
| nickel-pipeline | $25.00 | $25.00 | 12/5/2009 8:09:16 AM |
| jagpartnershp | $25.00 | $25.00 | 12/5/2009 8:28:03 AM |
| EEasyMoney | $25.00 | $25.00 | 12/5/2009 8:35:19 AM |
| SolarMoonshine | $25.00 | $25.00 | 12/5/2009 8:55:09 AM |
| reflective-rupee | $90.00 | $90.00 | 12/5/2009 2:01:06 PM |
| vest_vortex | $25.00 | $25.00 | 12/5/2009 2:16:33 PM |
| FinDoc | $25.00 | $25.00 | 12/6/2009 7:57:44 AM |
| lender12345 | $25.00 | $25.00 | 12/6/2009 7:47:15 PM |
| reflective-rupee | $215.00 | $215.00 | 12/6/2009 6:59:06 PM |
| Laxa | $100.00 | $100.00 | 12/6/2009 8:53:45 PM |
| reflective-rupee | $300.00 | $171.65 | 12/6/2009 7:51:56 PM |
| income-rocker2 | $39.15 | $39.15 | 12/6/2009 9:10:17 PM |
| Kash2010lu | $25.00 | $25.00 | 12/7/2009 4:35:39 AM |
| Rip128 | $50.00 | $50.00 | 12/7/2009 6:29:38 AM |
| branaa99 | $25.00 | $25.00 | 12/7/2009 9:27:23 AM |
| 43 bids
|
Borrower Payment Dependent Notes Series
435860
This series of Notes was issued and sold upon the funding of the borrower loan #39847, 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-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 26.49% |
Starting borrower rate/APR:
| 27.49% / 30.10% |
Starting monthly payment:
| $61.63 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 27.57% |
Final monthly payment:
| $59.64 |
| |
|
Auction yield range:
| 11.20% - 26.49% |
Estimated loss impact:
| 10.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
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:
| May-1995 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 720-739 (Nov-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,007 |
Occupation: | Engineer - Chemical |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 89% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| shiny-payment |
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
New headlight
Purpose of loan:
This loan will be used to replace a headlight on my car.
My financial situation:
I
am a good candidate for this loan because....I always pay my bills on time, I have a very secure job and I have good credit history. In fact, I just purchased a new home which is one reason I need this loan.
I took a big chunk of my savings and made a check out to the the mortgage people, and wouldn't you know it, the very next day, a rock hit my car and broke the headlight. ? To make a long story short, they are bi-xenon headlights and the only fix is to buy and install a whole new headlamp to the tune of $1,441.56 including tax and installation.
Adding to my bad luck, the car needs to pass state inspection next month and with buying a house and moving and all (not to mention Christmas presents from Santa), I'll still be a little short by then.? Please help me get through the holidays and keep my sanity.?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $50.00 | $32.65 | 11/30/2009 1:41:27 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 12/1/2009 5:37:54 PM |
| helping-out | $25.00 | $25.00 | 12/2/2009 5:51:22 PM |
| BankofRon | $25.00 | $25.00 | 12/2/2009 7:17:03 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/3/2009 1:50:11 PM |
| EngineersAlliance | $75.00 | $75.00 | 12/4/2009 7:37:42 AM |
| WILender2 | $25.00 | $25.00 | 12/4/2009 10:21:16 AM |
| Streamfeeder | $50.00 | $50.00 | 12/4/2009 4:47:29 PM |
| leverage-monger | $50.00 | $50.00 | 12/5/2009 8:51:42 AM |
| vivacious-p2p3 | $25.00 | $25.00 | 12/5/2009 8:23:00 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 12/6/2009 8:26:10 AM |
| leverage-monger | $50.00 | $50.00 | 12/6/2009 10:16:56 AM |
| jybank | $25.00 | $25.00 | 12/6/2009 11:09:52 PM |
| TakeCare | $50.00 | $50.00 | 12/6/2009 9:36:37 PM |
| fiserve4u | $50.00 | $50.00 | 12/7/2009 6:48:08 AM |
| fatboy888 | $25.00 | $25.00 | 12/7/2009 6:58:45 AM |
| squarebob | $50.00 | $50.00 | 12/7/2009 7:27:48 AM |
| AF-Chief | $35.00 | $35.00 | 12/7/2009 8:39:47 AM |
| mercuriant | $25.00 | $25.00 | 12/3/2009 2:58:15 PM |
| vest_vortex | $50.00 | $50.00 | 12/3/2009 6:30:32 PM |
| Tokkoutai99 | $25.00 | $25.00 | 12/4/2009 9:17:10 AM |
| nurat | $32.35 | $32.35 | 12/4/2009 10:35:13 AM |
| freedom3 | $500.00 | $500.00 | 12/5/2009 8:38:23 AM |
| nethosters | $25.00 | $25.00 | 12/6/2009 2:37:04 PM |
| Frugal | $25.00 | $25.00 | 12/6/2009 6:22:31 PM |
| dunrizzo | $25.00 | $25.00 | 12/6/2009 9:06:59 PM |
| leverage-monger | $50.00 | $50.00 | 12/7/2009 7:34:54 AM |
| Kyileo | $25.00 | $25.00 | 12/7/2009 9:13:07 AM |
| RecoveryLender | $25.00 | $25.00 | 12/7/2009 9:31:56 AM |
| kinetic-social | $25.00 | $25.00 | 12/7/2009 9:32:51 AM |
| 30 bids
|
Borrower Payment Dependent Notes Series
435926
This series of Notes was issued and sold upon the funding of the borrower loan #39850, 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-30-2009 |
| |
Auction end date:
| Dec-04-2009 |
|
|
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:
| 17.20% - 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-1994 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 11y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,976 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 88% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| vbguy76 |
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
Home improvement
Purpose
of loan:
My fianc?e and I bought a house a year ago and we just had our first baby. We
are looking to make some improvements to the bathroom since it does not have a
tub we can use to shower the baby when she gets older and the tile in the
bathroom is from 1960 when the house was originally built in the 60?s. I have
been current for the past 3 years on all my bill and I have not been late at
all on my house payments. I know have made mistakes in the past but?I was
very young and I have learned from them and want to continue to build my
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
Q:
Would you be able to send me an updated breakdown of your monthly expenses? This would help me in considering to bid on your listing. - Quest4euphoria
A:
Sure this is a breakdown of my expenses rounded up
Net Monthly Income 3164.00
Mortgage - 1555.00 (This includes the insurance)
Bills - 250.00
Cell - 221.00 Family plan
Cable/Internet/Phone- 150.00
Food/Gas - 200.00
(Dec-03-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fcb202 | $25.00 | $25.00 | 11/30/2009 2:32:20 PM |
| Bob450 | $25.00 | $25.00 | 11/30/2009 2:42:38 PM |
| reflective-rupee | $50.00 | $50.00 | 11/30/2009 4:14:18 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 4:14:02 PM |
| suomynona | $25.00 | $25.00 | 12/1/2009 8:01:36 AM |
| LittleHelp | $25.00 | $25.00 | 12/1/2009 6:07:47 PM |
| cippy | $50.00 | $50.00 | 12/2/2009 9:43:59 AM |
| r1g3l | $100.00 | $100.00 | 12/2/2009 9:50:15 AM |
| nilonc1 | $50.00 | $50.00 | 12/2/2009 4:52:53 PM |
| unk1911 | $25.00 | $25.00 | 12/3/2009 8:07:10 AM |
| JPAW777 | $25.00 | $25.00 | 12/3/2009 5:33:09 PM |
| Lubava | $25.00 | $25.00 | 12/3/2009 6:18:51 PM |
| vest_vortex | $50.00 | $50.00 | 12/3/2009 6:37:27 PM |
| moo916 | $50.00 | $50.00 | 12/3/2009 6:44:42 PM |
| supreme-justice3 | $100.00 | $100.00 | 12/4/2009 10:06:06 AM |
| beezling | $200.00 | $200.00 | 12/4/2009 12:22:44 PM |
| income-rocker2 | $100.00 | $100.00 | 12/4/2009 12:37:29 PM |
| kingbob | $25.00 | $25.00 | 12/4/2009 1:24:33 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 5:48:15 PM |
| wealth-pipeline | $25.00 | $25.00 | 12/1/2009 6:59:53 AM |
| LAKETIME | $25.00 | $25.00 | 12/2/2009 5:33:03 PM |
| durability-mad-scientist4 | $25.00 | $25.00 | 12/2/2009 6:41:59 PM |
| bankbuddy55 | $25.00 | $25.00 | 12/3/2009 6:50:11 AM |
| victor111 | $25.00 | $25.00 | 12/3/2009 8:49:00 AM |
| periko | $50.00 | $50.00 | 12/3/2009 4:11:51 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/3/2009 5:19:38 PM |
| Quest4euphoria | $25.00 | $25.00 | 12/3/2009 5:30:22 PM |
| 1traveler | $25.00 | $25.00 | 12/3/2009 7:07:15 PM |
| p2p-gala | $25.00 | $25.00 | 12/4/2009 7:22:35 AM |
| income-rocker2 | $76.31 | $76.31 | 12/4/2009 9:06:30 AM |
| marwadi-62 | $100.00 | $100.00 | 12/4/2009 2:58:44 PM |
| Kqwik | $31.00 | $31.00 | 12/4/2009 6:09:23 PM |
| hardworking-treasure | $25.00 | $17.69 | 12/4/2009 6:13:44 PM |
| 33 bids
|
Borrower Payment Dependent Notes Series
436290
This series of Notes was issued and sold upon the funding of the borrower loan #39809, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,600.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Dec-02-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 20.17% |
Starting borrower rate/APR:
| 21.17% / 23.42% |
Starting monthly payment:
| $135.94 |
|
Final lender yield:
| 19.10% |
Final borrower rate/APR:
| 20.10% / 22.34% |
Final monthly payment:
| $133.97 |
| |
|
Auction yield range:
| 8.20% - 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:
| Apr-2003 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 680-699 (Dec-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 8y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $25,996 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 53% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| interest-dogwood4 |
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
neg. equity on Car loan paid off
Purpose of loan: pay off negative equity in Vehicle So that I may sell it free and clear.
My financial situation:
I have a great crdeit history, and as you can see I'm using this money to get myself out from under a vehicle I do not need.
I have a stable job building Healthcare related projects, with almost 9 years at the same company!
Monthly net income: $ 5,850
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 200
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 60
??Food, entertainment: $ 600
??Clothing, household expenses $300
??Credit cards and other loans: $ 900
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| SimGuy | $25.00 | $25.00 | 12/2/2009 3:59:07 PM |
| paymentologist | $25.00 | $25.00 | 12/2/2009 3:59:16 PM |
| metro457 | $25.00 | $25.00 | 12/2/2009 3:59:12 PM |
| Plotinus | $50.00 | $50.00 | 12/2/2009 4:01:34 PM |
| Tradesmanlender | $25.00 | $25.00 | 12/2/2009 4:01:58 PM |
| Davidson2 | $25.00 | $25.00 | 12/2/2009 3:59:49 PM |
| ljay | $25.00 | $25.00 | 12/2/2009 4:04:46 PM |
| AF-Chief | $25.00 | $25.00 | 12/2/2009 4:06:21 PM |
| skuba | $25.00 | $25.00 | 12/2/2009 4:06:29 PM |
| money-prophesy | $150.00 | $150.00 | 12/2/2009 4:36:18 PM |
| nilonc1 | $25.00 | $25.00 | 12/2/2009 5:14:26 PM |
| GOPHERBOY | $50.00 | $50.00 | 12/2/2009 6:06:43 PM |
| GeoLender | $25.00 | $25.00 | 12/2/2009 8:57:48 PM |
| Bank_Of_XL | $50.00 | $50.00 | 12/3/2009 8:59:18 AM |
| reflective-rupee | $25.00 | $25.00 | 12/3/2009 7:32:02 PM |
| puifais | $25.00 | $25.00 | 12/3/2009 8:47:04 PM |
| SNH | $50.00 | $50.00 | 12/4/2009 12:04:46 AM |
| silver-armada | $100.00 | $100.00 | 12/4/2009 4:53:50 AM |
| neenerman | $25.00 | $25.00 | 12/4/2009 9:08:17 AM |
| NycDean | $25.00 | $25.00 | 12/4/2009 7:38:27 AM |
| tisiphone | $25.00 | $25.00 | 12/4/2009 8:36:32 AM |
| supreme-hope | $25.00 | $25.00 | 12/4/2009 9:51:14 AM |
| divrekku | $25.00 | $25.00 | 12/4/2009 10:08:16 AM |
| Doodlemeyer | $25.00 | $25.00 | 12/4/2009 11:24:22 AM |
| vine99 | $55.00 | $55.00 | 12/4/2009 12:13:12 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 12/4/2009 12:21:02 PM |
| wise-agile-investment | $25.00 | $25.00 | 12/4/2009 12:00:13 PM |
| stable-commitment2 | $25.00 | $25.00 | 12/4/2009 12:31:13 PM |
| dpjd | $50.00 | $50.00 | 12/4/2009 3:08:27 PM |
| Syzygy | $25.00 | $25.00 | 12/4/2009 3:19:38 PM |
| steady-dime | $100.00 | $100.00 | 12/4/2009 4:37:20 PM |
| SolarMoonshine | $25.00 | $25.00 | 12/4/2009 7:45:51 PM |
| Cheburashka | $25.00 | $25.00 | 12/5/2009 10:09:24 AM |
| charming-point | $200.00 | $200.00 | 12/5/2009 11:38:58 AM |
| greenback-visionary4 | $25.00 | $25.00 | 12/5/2009 12:39:50 PM |
| fatson43 | $25.00 | $25.00 | 12/5/2009 12:58:22 PM |
| fortytwo | $100.00 | $100.00 | 12/6/2009 4:12:20 AM |
| htdia | $25.00 | $25.00 | 12/6/2009 9:32:44 AM |
| JohnGalt94 | $25.00 | $25.00 | 12/6/2009 12:22:34 PM |
| visionary-currency | $75.00 | $75.00 | 12/6/2009 6:17:43 PM |
| aasx1108 | $25.00 | $25.00 | 12/6/2009 7:28:09 PM |
| order-prospector | $50.00 | $50.00 | 12/6/2009 7:12:56 PM |
| asiaratt | $59.86 | $59.86 | 12/6/2009 8:36:13 PM |
| helping-out | $25.00 | $25.00 | 12/6/2009 10:00:09 PM |
| Bob450 | $25.00 | $25.00 | 12/6/2009 9:28:10 PM |
| justice-dna | $25.00 | $25.00 | 12/7/2009 12:09:13 AM |
| elegant-bonus | $25.00 | $25.00 | 12/2/2009 4:01:00 PM |
| Phantom99 | $25.00 | $25.00 | 12/2/2009 4:01:47 PM |
| jga516 | $25.00 | $25.00 | 12/2/2009 4:02:08 PM |
| All_Wins | $25.00 | $25.00 | 12/2/2009 4:04:18 PM |
| mathprof | $25.00 | $25.00 | 12/2/2009 4:04:22 PM |
| latestone | $25.00 | $25.00 | 12/2/2009 4:01:52 PM |
| calm-deal7 | $25.00 | $25.00 | 12/2/2009 4:05:41 PM |
| zeelender | $25.00 | $25.00 | 12/2/2009 4:02:01 PM |
| elegant-income3 | $30.00 | $30.00 | 12/2/2009 4:02:21 PM |
| KiwiElf | $25.00 | $25.00 | 12/2/2009 4:05:35 PM |
| SDNLR | $25.00 | $25.00 | 12/2/2009 4:06:05 PM |
| crazycool | $25.00 | $25.00 | 12/2/2009 4:06:22 PM |
| booksleuth | $50.00 | $50.00 | 12/2/2009 4:06:27 PM |
| wise-spirited-nickel | $50.00 | $30.14 | 12/2/2009 4:06:32 PM |
| Brown98 | $25.00 | $25.00 | 12/2/2009 4:16:43 PM |
| felicity-daydream | $25.00 | $25.00 | 12/2/2009 5:22:24 PM |
| hellasow | $25.00 | $25.00 | 12/3/2009 4:01:25 PM |
| a-resplendent-commitment | $25.00 | $25.00 | 12/3/2009 8:32:34 PM |
| ryelk | $25.00 | $25.00 | 12/3/2009 8:30:29 PM |
| sjlender | $25.00 | $25.00 | 12/3/2009 9:47:28 PM |
| leeo | $25.00 | $25.00 | 12/4/2009 5:27:45 AM |
| czar3 | $30.00 | $30.00 | 12/4/2009 6:27:10 AM |
| djh47a | $30.00 | $30.00 | 12/4/2009 6:14:29 AM |
| capital-amplifier | $25.00 | $25.00 | 12/4/2009 9:22:23 AM |
| spsavage | $25.00 | $25.00 | 12/4/2009 10:23:47 AM |
| zento | $25.00 | $25.00 | 12/4/2009 10:21:50 AM |
| Sefotonga | $25.00 | $25.00 | 12/4/2009 11:09:52 AM |
| first-sophisticated-rate | $75.00 | $75.00 | 12/4/2009 11:24:11 AM |
| blackstar | $25.00 | $25.00 | 12/4/2009 12:00:20 PM |
| Hexnut | $25.00 | $25.00 | 12/4/2009 12:34:56 PM |
| gracej | $25.00 | $25.00 | 12/4/2009 2:53:00 PM |
| ml13 | $25.00 | $25.00 | 12/4/2009 9:22:40 PM |
| PocketAces | $25.00 | $25.00 | 12/5/2009 1:10:06 AM |
| Homeinvest | $25.00 | $25.00 | 12/5/2009 4:53:15 AM |
| alex189a | $25.00 | $25.00 | 12/5/2009 8:48:44 AM |
| bchang2001 | $25.00 | $25.00 | 12/5/2009 8:48:53 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/5/2009 10:25:33 AM |
| psalms6612 | $25.00 | $25.00 | 12/5/2009 10:49:01 AM |
| portfolio-zone801 | $25.00 | $25.00 | 12/5/2009 1:09:48 PM |
| japher | $25.00 | $25.00 | 12/5/2009 1:03:11 PM |
| cash-vault | $25.00 | $25.00 | 12/5/2009 3:00:37 PM |
| AuroraRobbin | $50.00 | $50.00 | 12/5/2009 5:53:52 PM |
| kind-bid-maverick | $25.00 | $25.00 | 12/5/2009 8:47:37 PM |
| aurorafinancial | $50.00 | $50.00 | 12/5/2009 7:36:58 PM |
| AlexTrep | $25.00 | $25.00 | 12/5/2009 7:45:54 PM |
| jagpartnershp | $40.00 | $40.00 | 12/6/2009 3:22:15 AM |
| integrity-doctor | $50.00 | $50.00 | 12/6/2009 4:51:07 PM |
| wrighco | $25.00 | $25.00 | 12/6/2009 12:29:47 PM |
| d_grbg | $25.00 | $25.00 | 12/6/2009 1:47:25 PM |
| efficient-principal | $25.00 | $25.00 | 12/6/2009 2:52:23 PM |
| bcg2004 | $25.00 | $25.00 | 12/6/2009 6:01:42 PM |
| bitbucket | $50.00 | $50.00 | 12/6/2009 11:32:20 PM |
| Hondo | $25.00 | $25.00 | 12/6/2009 11:33:52 PM |
| chinagrunt | $25.00 | $25.00 | 12/7/2009 5:14:07 AM |
| interstellar | $50.00 | $50.00 | 12/7/2009 12:08:06 AM |
| flwah | $25.00 | $25.00 | 12/7/2009 1:47:34 AM |
| physjosh | $25.00 | $25.00 | 12/7/2009 3:34:09 AM |
| 103 bids
|
Borrower Payment Dependent Notes Series
428147
This series of Notes was issued and sold upon the funding of the borrower loan #39815, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,200.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Nov-24-2009 |
| |
Auction end date:
| Dec-01-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $235.23 |
|
Final lender yield:
| 29.90% |
Final borrower rate/APR:
| 30.90% / 33.29% |
Final monthly payment:
| $223.32 |
| |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 16.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.83% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 600-619 (Nov-2009) |
Current / open credit lines:
| 11
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 12y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,881 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 34% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| nomer |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,100.00 | < mo. late:
| 0
( 0% )
| 640-659
(Sep-2008)
|
|
Principal balance:
| $1,369.13 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Consolidation of Final Bills!
PURPOSE FOR LOAN
This loan will be used to?
Pay off my prosper loan and pay some property taxes.
MY FINANCIAL SITUATION
I HAVE NO IDEA WHY MY CREDIT SCORE IS SO LOW.?
I think it is because I paid off some credit cards my and closed the accounts.? I know that lowers the score.
It certainly is NOT for delinquent payment.
I AM A GOOD CANDIDATE FOR THIS LOAN BECAUSE: ????
I pay all my bills on time.
I have been teaching at the same school for 11 years as a full time English teacher.? I make $56,840 and with a program I am? running this year, my salary is really based on just over $60,000.
I also have a part time job at the YMCA, so that is another $90 per week.
I also receive child support, but use that for my kids (obviously)
I am doing very well financially, and am perfectly able to make all my payments on this loan.?
PURPOSE OF LOAN
From my last loan, you can probably tell that I borrowed to pay my taxes.? I moved into my mom's house after she passed away, and paid what I thought was all the taxes.? I just learned that there are a few more years owed on the taxes.? I have the money to pay most of the bill, but am about $4000 short right now.? Once I make this final payment, I will be debt-free with my local town.? I am comfortable using my savings for a portion of this bill, but do not want to use up my entire emergency fund--I have to protect my kids financially, so this makes the most sense.
Monthly net income: $ just under $5000
Monthly expenses: $
??Housing: $
196.15 + 300 for taxes
??Insurance: $ 56.85
??Car expenses: $
349.00
??Utilities: $ 350. My brother pays utilities because he is staying with us.
??Phone, cable, internet: $ 82.
??Food, entertainment: $ 250.
??Clothing, household expenses $
100.
??Credit cards and other loans: $ 2225.--these will be paid off in 4 months
? Cell phone $39.99
? Child Care $296--my ex pays half
I also have 196.15 for child support weekly deposited into my account.
Other expenses: $
no other expenses? I have worked extremely hard to be debt free, but ruined that and won't do that again!
I have perfect credit with Prosper.
I am not just a borrower, I am a lender on prosper as well.? I have 4 active loan accounts that I am helping to fund.
I will have my payments taken right out of my bank account each month.
I also OWN the house in which I live.
I hope you will consider me!? I haven't let anyone down on prosper and plan not to EVER!
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:
The listing says you do not own a home. Do you own the home that you are paying taxes on? - heerzaquestion
A:
Hi! I actually DO own the home in which I live. I live in my mother's house. My name was on the deed before she passed away, but I was unaware of the tax situation. I am not sure how to verify this through Prosper, so I just added that info. in my posting. Thanks for looking at my loan!
(Nov-26-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| the-profit-oracle | $25.00 | $25.00 | 11/24/2009 7:30:18 PM |
| felicity-daydream | $75.00 | $75.00 | 11/24/2009 8:28:03 PM |
| Tuss12 | $117.30 | $117.30 | 11/27/2009 11:06:29 AM |
| brodav | $50.00 | $50.00 | 11/27/2009 5:18:10 PM |
| PXM-Financial | $61.00 | $61.00 | 11/27/2009 7:36:51 PM |
| inspired-basis | $50.00 | $50.00 | 11/28/2009 2:10:36 PM |
| momentous-transaction8 | $100.00 | $100.00 | 11/28/2009 10:50:53 PM |
| PrinceValium | $25.00 | $25.00 | 11/29/2009 12:08:18 PM |
| BankofBeth | $25.00 | $25.00 | 11/29/2009 5:24:39 PM |
| bestloanrate | $50.00 | $50.00 | 11/30/2009 10:49:37 AM |
| sparkybrneyes | $28.60 | $28.60 | 11/30/2009 1:48:52 PM |
| trevize | $25.00 | $25.00 | 11/30/2009 4:09:19 PM |
| peso-bonaza | $26.82 | $26.82 | 11/30/2009 4:54:40 PM |
| outofoffice | $50.00 | $50.00 | 11/30/2009 7:42:58 PM |
| Investor_83 | $29.07 | $29.07 | 11/30/2009 7:05:47 PM |
| credit-missile | $100.00 | $100.00 | 11/30/2009 7:17:19 PM |
| micsupra | $25.00 | $25.00 | 11/30/2009 8:13:05 PM |
| RecoveryLender | $50.00 | $50.00 | 11/30/2009 8:31:37 PM |
| drb4ever | $25.00 | $25.00 | 11/30/2009 9:42:40 PM |
| onecooldrink | $25.00 | $25.00 | 11/30/2009 11:49:46 PM |
| jcw3rd | $25.00 | $25.00 | 12/1/2009 4:56:02 AM |
| supreme-hope | $25.00 | $25.00 | 11/30/2009 11:14:12 PM |
| Kash2010lu | $25.00 | $25.00 | 12/1/2009 6:37:35 AM |
| Rulea72 | $50.00 | $50.00 | 12/1/2009 7:55:36 AM |
| efficient-bid2 | $200.00 | $200.00 | 12/1/2009 8:57:18 AM |
| xfaktur | $52.52 | $52.52 | 12/1/2009 9:19:10 AM |
| chroman | $100.00 | $100.00 | 12/1/2009 8:53:19 AM |
| crdcteng | $50.00 | $50.00 | 12/1/2009 11:08:20 AM |
| COCHINOBOY | $71.48 | $71.48 | 12/1/2009 12:41:10 PM |
| professional-integrity | $50.00 | $50.00 | 12/1/2009 12:50:34 PM |
| PotBellyPete | $50.00 | $50.00 | 12/1/2009 1:17:42 PM |
| ronin4sale | $25.00 | $25.00 | 12/1/2009 1:27:29 PM |
| COCHINOBOY | $66.36 | $66.36 | 12/1/2009 1:41:39 PM |
| nickel-pipeline | $39.51 | $39.51 | 12/1/2009 1:56:59 PM |
| durability-colonel | $50.00 | $50.00 | 12/1/2009 2:12:55 PM |
| reflective-rupee | $25.00 | $6.00 | 12/1/2009 1:34:27 PM |
| WMY-Investor | $250.00 | $250.00 | 12/1/2009 1:37:40 PM |
| newbietony | $50.00 | $50.00 | 12/1/2009 3:26:59 PM |
| piano55 | $32.34 | $32.34 | 12/1/2009 2:48:11 PM |
| himistu22 | $32.00 | $32.00 | 12/1/2009 2:52:51 PM |
| supreme-justice3 | $100.00 | $100.00 | 12/1/2009 3:15:21 PM |
| bill-expert | $100.00 | $100.00 | 12/1/2009 2:33:14 PM |
| invincible-gain | $238.61 | $238.61 | 12/1/2009 3:30:16 PM |
| credit-missile | $50.00 | $50.00 | 12/1/2009 3:38:15 PM |
| malomar66 | $42.84 | $42.84 | 12/1/2009 3:42:17 PM |
| Gaelicman | $70.47 | $70.47 | 12/1/2009 3:01:59 PM |
| ohmarkybaby | $25.00 | $25.00 | 12/1/2009 3:48:07 PM |
| Engineer44 | $35.00 | $35.00 | 12/1/2009 3:51:15 PM |
| jybank | $25.00 | $25.00 | 12/1/2009 3:33:11 PM |
| CA_Lender | $25.00 | $25.00 | 11/26/2009 12:22:30 PM |
| shawnw2 | $50.00 | $50.00 | 11/26/2009 8:34:40 PM |
| loss-of-control | $100.00 | $100.00 | 11/28/2009 10:09:47 AM |
| marybennet | $25.00 | $25.00 | 11/28/2009 6:37:37 PM |
| Unitas4302 | $200.00 | $200.00 | 11/29/2009 8:57:14 AM |
| vivacious-p2p3 | $25.00 | $25.00 | 11/29/2009 1:46:20 PM |
| loss-of-control | $100.00 | $100.00 | 11/30/2009 4:05:05 PM |
| credit-missile | $50.00 | $50.00 | 11/30/2009 4:45:58 PM |
| icon7 | $25.00 | $25.00 | 11/30/2009 4:57:22 PM |
| NC_Capital_Funding | $25.88 | $25.88 | 11/30/2009 5:57:48 PM |
| fundologist | $50.00 | $50.00 | 11/30/2009 8:49:58 PM |
| CatbirdBanking | $25.00 | $25.00 | 11/30/2009 7:54:41 PM |
| investment-visionary | $75.00 | $75.00 | 11/30/2009 8:12:45 PM |
| TakeCare | $50.00 | $50.00 | 11/30/2009 8:26:45 PM |
| Ambassador | $25.00 | $25.00 | 12/1/2009 4:55:41 AM |
| prudent-gain7 | $50.00 | $50.00 | 12/1/2009 7:00:50 AM |
| MrLeft | $90.00 | $90.00 | 12/1/2009 6:30:15 AM |
| Bob450 | $25.00 | $25.00 | 12/1/2009 7:47:25 AM |
| Isotope | $25.00 | $25.00 | 12/1/2009 7:43:00 AM |
| hogtales | $25.00 | $25.00 | 12/1/2009 8:23:27 AM |
| investment-cluster | $25.00 | $25.00 | 12/1/2009 9:10:14 AM |
| squarebob | $50.00 | $50.00 | 12/1/2009 9:31:40 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/1/2009 9:39:06 AM |
| unger | $100.00 | $100.00 | 12/1/2009 10:09:20 AM |
| delivery | $25.00 | $25.00 | 12/1/2009 10:13:04 AM |
| GellMaster | $50.00 | $50.00 | 12/1/2009 11:17:12 AM |
| Tizzo27 | $42.61 | $42.61 | 12/1/2009 11:40:36 AM |
| 371millwood | $100.00 | $100.00 | 12/1/2009 10:53:26 AM |
| sparkybrneyes | $30.08 | $30.08 | 12/1/2009 11:02:01 AM |
| credit-missile | $50.00 | $50.00 | 12/1/2009 12:29:27 PM |
| whittlesey31 | $31.65 | $31.65 | 12/1/2009 1:08:44 PM |
| lendme2 | $50.00 | $50.00 | 12/1/2009 12:25:35 PM |
| TakeCare | $50.00 | $50.00 | 12/1/2009 12:56:32 PM |
| Miklot | $63.46 | $63.46 | 12/1/2009 12:33:12 PM |
| Skeptical-one | $150.00 | $150.00 | 12/1/2009 1:23:08 PM |
| 99Lender | $25.00 | $25.00 | 12/1/2009 1:07:00 PM |
| cajunguy | $48.01 | $48.01 | 12/1/2009 1:22:47 PM |
| draggon77 | $25.00 | $25.00 | 12/1/2009 1:09:30 PM |
| LAKETIME | $25.00 | $25.00 | 12/1/2009 2:39:04 PM |
| Tizzo27 | $57.39 | $57.39 | 12/1/2009 3:38:39 PM |
| evergreen16 | $50.00 | $50.00 | 12/1/2009 2:24:42 PM |
| PeePaw | $25.00 | $25.00 | 12/1/2009 3:45:08 PM |
| friendinmoney | $100.00 | $100.00 | 12/1/2009 3:50:38 PM |
| just-trade0 | $36.00 | $36.00 | 12/1/2009 3:34:30 PM |
| 93 bids
|
Borrower Payment Dependent Notes Series
433603
This series of Notes was issued and sold upon the funding of the borrower loan #39867, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-04-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 27.00% |
Final borrower rate/APR:
| 28.00% / 31.98% |
Final monthly payment:
| $41.36 |
| |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 15.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.77% | | |
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:
| 6 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $14,696 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 99% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| brightest-thoughtful-bazaar |
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
Getting back on my feet
Purpose of loan:
This loan will be used to get me back on my feet.? I had some unforseen costs this summer and am now behind on a few of my bills.? I want to be able to take charge of my finances.?
My financial situation:
I am a good candidate for this loan because I am gainfully employed and am committed to paying the loan back in a timely manner.?
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 120
??Car expenses: $ 250
??Utilities: $ 50
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 200
??Other expenses: $ 140
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| portfolio-turbine | $25.00 | $25.00 | 12/1/2009 7:23:01 PM |
| credible-coin | $100.00 | $100.00 | 12/2/2009 2:20:29 PM |
| realtormoises | $25.00 | $25.00 | 12/3/2009 9:38:00 AM |
| cerbear9 | $25.00 | $25.00 | 12/3/2009 2:13:00 PM |
| glenium | $25.00 | $25.00 | 12/4/2009 4:34:10 AM |
| generous-deal6 | $25.00 | $25.00 | 12/3/2009 11:41:18 PM |
| unger | $100.00 | $100.00 | 12/4/2009 3:06:37 AM |
| skubwa | $25.00 | $25.00 | 12/4/2009 6:26:51 AM |
| PEDRO627 | $25.00 | $25.00 | 12/4/2009 7:37:06 AM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 12/4/2009 10:14:16 AM |
| gra82 | $39.48 | $39.48 | 12/1/2009 10:03:08 PM |
| gpuck | $25.00 | $25.00 | 12/2/2009 3:00:03 PM |
| FASTIZIO_P | $33.33 | $33.33 | 12/2/2009 2:20:10 PM |
| impartial-deal | $25.00 | $25.00 | 12/2/2009 4:22:40 PM |
| fantasysports | $25.00 | $25.00 | 12/2/2009 4:39:41 PM |
| TakeCare | $50.00 | $50.00 | 12/2/2009 9:22:56 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/3/2009 1:04:32 PM |
| givetolive | $25.00 | $25.00 | 12/3/2009 1:36:07 PM |
| businessguy29 | $25.00 | $25.00 | 12/3/2009 11:04:54 AM |
| draggon77 | $25.00 | $25.00 | 12/3/2009 12:27:38 PM |
| nickel-pipeline | $34.00 | $34.00 | 12/3/2009 4:32:23 PM |
| mrpowers5531 | $25.00 | $25.00 | 12/3/2009 4:31:59 PM |
| fatson43 | $25.00 | $25.00 | 12/3/2009 5:45:09 PM |
| OtownLender | $25.00 | $25.00 | 12/3/2009 8:41:00 PM |
| a-finance-nirvana | $100.00 | $100.00 | 12/4/2009 3:31:43 AM |
| kwxj61b | $64.00 | $64.00 | 12/3/2009 11:05:47 PM |
| SANTIAGO1 | $25.00 | $4.19 | 12/4/2009 6:52:36 AM |
| motivator72 | $25.00 | $25.00 | 12/4/2009 8:48:29 AM |
| 28 bids
|
Borrower Payment Dependent Notes Series
434823
This series of Notes was issued and sold upon the funding of the borrower loan #39882, 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-24-2009 |
| |
Auction end date:
| Dec-01-2009 |
|
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 34.41% |
Starting monthly payment:
| $261.33 |
|
Final lender yield:
| 18.00% |
Final borrower rate/APR:
| 19.00% / 21.22% |
Final monthly payment:
| $219.94 |
| |
|
Auction yield range:
| 8.20% - 31.00% |
Estimated loss impact:
| 8.42% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 700-719 (Nov-2009) |
Current / open credit lines:
| 9
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 67 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,274 |
Occupation: | Military Officer |
|
Public records last 12m / 10y:
| 0/ 5 |
Bankcard utilization:
| 75% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Miami_Lending |
Borrower's state:
| Florida |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $1,700.00 | < mo. late:
| 0
( 0% )
| 600-619
(Sep-2008)
560-579
(Apr-2008)
580-599
(Apr-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Lender & Mil Officer seeks loan
Purpose of this Loan: To buy prints to display in a gallery for an upcoming art show, and to pay off one credit credit card that is at 29%.
I have $10,000 in liquid assets. I do not want to tap into those yet to pay off this loan. Part of it is invested in the stock market. As certain investments increase in value I will use that profit to pay off this loan.
My credit rating: The reason for the bankruptcy: Due to a fire on the mountain behind my house, and resulting mudslide damage I declared bankruptcy. I am a current Prosper Lender with close to $2500 invested, getting 18% return with avg loan age over 256 days!
Monthly income: $6,100
Monthly expenses for family of 6: $5,775
Mortgage/rent: $1600
Food, entertainment: $1500
Utilities: $500
Insurance: $300
Car expenses: $300
Phone, cable, Internet: $300
Clothing, household expenses $300
Medical: $75
Credit cards and other loan payments: $300
Pet Care: $100
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of
$525.00 in winning bids.
"Military Officer, Prosper Lender and Group Member, I have verified his contact info - this is great investment!"
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| JGuide | $25.00 | $25.00 | 11/24/2009 3:56:21 PM |
| dloan | $25.00 | $25.00 | 11/24/2009 4:04:21 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/24/2009 6:06:27 PM |
| kenL | $500.00 | $500.00 | 11/24/2009 11:03:48 PM |
| Tai | $25.00 | $25.00 | 11/24/2009 11:10:23 PM |
| BAEVentures | $75.00 | $75.00 | 11/25/2009 6:47:32 AM |
| gr8loans4u | $25.00 | $25.00 | 11/25/2009 6:51:03 AM |
| SwiDaddy | $50.00 | $50.00 | 11/24/2009 11:29:08 PM |
| hellasow | $25.00 | $25.00 | 11/25/2009 6:08:59 AM |
| Unix | $25.00 | $25.00 | 11/25/2009 10:24:21 AM |
| Kash2010lu | $25.00 | $25.00 | 11/26/2009 5:01:04 PM |
| Nicedad72 | $25.00 | $25.00 | 11/28/2009 1:59:19 AM |
| CoolPlexer | $26.33 | $26.33 | 11/28/2009 12:06:52 PM |
| srthsvghdthtr | $25.00 | $25.00 | 11/28/2009 2:57:04 PM |
| comicfanatic1966 | $31.45 | $31.45 | 11/29/2009 1:46:59 PM |
| adventure0 | $200.00 | $149.85 | 11/29/2009 4:19:57 PM |
| slxvq | $50.00 | $50.00 | 11/29/2009 7:59:54 PM |
| RoguishHound | $156.26 | $156.26 | 11/30/2009 2:12:22 PM |
| lender12345 | $25.00 | $25.00 | 11/30/2009 6:42:51 PM |
| KSgirl89 | $70.00 | $70.00 | 11/30/2009 5:28:06 PM |
| roswellandy | $25.00 | $25.00 | 11/30/2009 5:55:48 PM |
| bonFire8 | $60.00 | $60.00 | 11/30/2009 8:07:33 PM |
| freedom3 | $133.53 | $133.53 | 11/30/2009 10:12:36 PM |
| ryan516 | $25.00 | $25.00 | 12/1/2009 5:21:31 AM |
| Nasdaq | $25.00 | $25.00 | 11/30/2009 11:06:53 PM |
| economy-popcorn | $25.00 | $25.00 | 12/1/2009 5:54:29 AM |
| Firescreek | $25.00 | $25.00 | 12/1/2009 6:32:11 AM |
| Alexander1776 | $25.00 | $25.00 | 12/1/2009 6:15:39 AM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 12/1/2009 9:14:15 AM |
| lepolgr | $50.00 | $50.00 | 12/1/2009 7:37:07 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/1/2009 9:41:33 AM |
| Champ3295 | $25.00 | $25.00 | 12/1/2009 8:05:42 AM |
| farblest | $55.00 | $55.00 | 12/1/2009 9:49:42 AM |
| BuzzyBee336 | $25.00 | $25.00 | 12/1/2009 8:35:27 AM |
| bonus-chosen-one | $32.00 | $32.00 | 12/1/2009 10:15:22 AM |
| crdcteng | $50.00 | $50.00 | 12/1/2009 10:58:05 AM |
| JGuide | $100.00 | $100.00 | 12/1/2009 10:30:25 AM |
| return-grizzly | $100.00 | $100.00 | 12/1/2009 11:11:47 AM |
| Miklot | $100.00 | $100.00 | 12/1/2009 12:45:52 PM |
| wealth-pipeline | $25.00 | $25.00 | 12/1/2009 12:54:32 PM |
| Jazzy503 | $25.00 | $25.00 | 12/1/2009 1:07:35 PM |
| unger | $200.00 | $200.00 | 12/1/2009 1:12:12 PM |
| SkinnyFish | $25.00 | $25.00 | 12/1/2009 1:58:03 PM |
| nymoney | $46.80 | $46.80 | 12/1/2009 2:17:18 PM |
| Eaglehigh | $25.00 | $25.00 | 12/1/2009 2:07:55 PM |
| ydm | $25.00 | $25.00 | 12/1/2009 2:07:46 PM |
| JGuide | $100.00 | $100.00 | 12/1/2009 3:30:11 PM |
| durability-colonel | $50.00 | $50.00 | 12/1/2009 2:14:09 PM |
| ImaPutz | $25.00 | $25.00 | 12/1/2009 3:45:03 PM |
| hardworking-treasure | $25.00 | $25.00 | 12/1/2009 3:25:01 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 12/1/2009 3:26:13 PM |
| drcoop | $25.00 | $25.00 | 11/24/2009 5:28:23 PM |
| GS-ROCK | $25.00 | $25.00 | 11/24/2009 8:31:39 PM |
| Kennfusion | $35.00 | $35.00 | 11/25/2009 5:43:59 AM |
| fiscal_family | $25.00 | $25.00 | 11/25/2009 11:28:51 AM |
| loanman2007 | $300.00 | $300.00 | 11/26/2009 4:22:33 PM |
| flshdaskll | $25.00 | $25.00 | 11/28/2009 6:21:27 AM |
| Glenn | $25.00 | $25.00 | 11/27/2009 11:49:14 PM |
| sweety075 | $25.00 | $25.00 | 11/28/2009 2:05:23 PM |
| wwwUniversal | $25.00 | $25.00 | 11/28/2009 2:57:18 PM |
| BAEVentures | $25.00 | $25.00 | 11/28/2009 11:06:46 PM |
| LarryNY | $25.00 | $25.00 | 11/29/2009 10:13:47 AM |
| loanman2007 | $200.00 | $200.00 | 11/29/2009 4:43:44 PM |
| bondhedger | $25.00 | $25.00 | 11/30/2009 11:53:08 AM |
| YummiBear | $25.00 | $25.00 | 11/30/2009 5:53:02 PM |
| nashibaksi | $25.00 | $25.00 | 11/30/2009 5:51:28 PM |
| gilbrear | $25.00 | $25.00 | 11/30/2009 7:08:30 PM |
| FL-Lender | $25.00 | $25.00 | 11/30/2009 8:28:39 PM |
| AtmaSingshu | $25.00 | $25.00 | 11/30/2009 11:08:16 PM |
| jcw3rd | $25.00 | $25.00 | 12/1/2009 4:57:24 AM |
| fireman4 | $30.00 | $30.00 | 12/1/2009 7:05:03 AM |
| MrLeft | $50.00 | $50.00 | 12/1/2009 6:31:36 AM |
| HenlopenCapital | $25.00 | $25.00 | 12/1/2009 4:44:19 AM |
| bejfishing | $25.00 | $25.00 | 12/1/2009 7:53:58 AM |
| OoM | $25.00 | $25.00 | 12/1/2009 8:33:37 AM |
| sunstar | $25.00 | $25.00 | 12/1/2009 11:32:36 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 12/1/2009 11:47:38 AM |
| DANTHEMAN2 | $25.00 | $25.00 | 12/1/2009 12:55:01 PM |
| impeccable-compassion | $25.00 | $25.00 | 12/1/2009 1:28:59 PM |
| money_player | $26.74 | $26.74 | 12/1/2009 1:14:52 PM |
| newbietony | $100.00 | $100.00 | 12/1/2009 2:29:06 PM |
| glowman76 | $45.14 | $45.14 | 12/1/2009 3:00:26 PM |
| jybank | $25.00 | $25.00 | 12/1/2009 2:08:17 PM |
| JGuide | $200.00 | $200.00 | 12/1/2009 3:29:03 PM |
| credit-missile | $200.00 | $200.00 | 12/1/2009 3:43:15 PM |
| nikkky2000 | $150.00 | $150.00 | 12/1/2009 3:48:33 PM |
| beachliving29 | $526.90 | $526.90 | 12/1/2009 2:55:35 PM |
| 371millwood | $100.00 | $100.00 | 12/1/2009 3:47:36 PM |
| Engineer44 | $35.00 | $35.00 | 12/1/2009 3:51:43 PM |
| WMY-Investor | $250.00 | $250.00 | 12/1/2009 3:35:25 PM |
| JGuide | $100.00 | $100.00 | 12/1/2009 3:41:07 PM |
| loss-of-control | $100.00 | $100.00 | 12/1/2009 3:47:45 PM |
| icon7 | $40.00 | $40.00 | 12/1/2009 3:49:59 PM |
| 93 bids
|
Borrower Payment Dependent Notes Series
434871
This series of Notes was issued and sold upon the funding of the borrower loan #39800, 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-24-2009 |
| |
Auction end date:
| Dec-01-2009 |
|
|
Starting lender yield:
| 20.17% |
Starting borrower rate/APR:
| 21.17% / 23.68% |
Starting monthly payment:
| $56.64 |
|
Final lender yield:
| 14.40% |
Final borrower rate/APR:
| 15.40% / 17.82% |
Final monthly payment:
| $52.29 |
| |
|
Auction yield range:
| 8.20% - 20.17% |
Estimated loss impact:
| 6.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Nov-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 31y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,566 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 81% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 9 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| boots38 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 640-659
(Oct-2007)
|
|
Principal balance:
| $791.05 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Paying off bills
Purpose of loan:? I need to pay off a few bills before Jan 1 and my wife broke her leg bad and has no income coming in
My financial situation:
I have not very good credit went thru a divorce?20 years ago that set me back a ton getting back on my feet pretty slow i?just need a chance for this loan will pay it off soon! Thanks alot!
Monthly net income: $ 2600.00
Monthly expenses: $
??Housing: $ 450
??Insurance: $?100.00??Car expenses: $ 70.00
??Utilities: $?75.00
??Phone, cable, internet: $ 55.00
??Food, entertainment: $125.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 125.00
??Other expenses: $ 40.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Aberdeen | $300.00 | $300.00 | 11/27/2009 10:27:24 AM |
| iResponsibleLender | $250.00 | $250.00 | 11/30/2009 5:07:39 PM |
| caseattle | $25.00 | $25.00 | 11/30/2009 9:06:10 PM |
| klemer | $25.00 | $25.00 | 12/1/2009 12:45:04 PM |
| durability-colonel | $50.00 | $50.00 | 12/1/2009 2:17:55 PM |
| funds-kingdom | $50.00 | $50.00 | 12/1/2009 3:49:07 PM |
| Unitas4302 | $300.00 | $300.00 | 11/29/2009 8:19:40 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 5:35:33 PM |
| TakeCare | $300.00 | $300.00 | 11/30/2009 8:54:46 PM |
| bondhedger | $25.00 | $25.00 | 12/1/2009 8:01:53 AM |
| newbietony | $40.00 | $40.00 | 12/1/2009 10:10:24 AM |
| wild-orange | $100.00 | $100.00 | 12/1/2009 2:26:48 PM |
| Engineer44 | $30.00 | $10.00 | 12/1/2009 3:53:01 PM |
| 13 bids
|
Borrower Payment Dependent Notes Series
435115
This series of Notes was issued and sold upon the funding of the borrower loan #39844, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Nov-24-2009 |
| |
Auction end date:
| Dec-01-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $171.90 |
|
Final lender yield:
| 33.65% |
Final borrower rate/APR:
| 34.65% / 37.10% |
Final monthly payment:
| $171.15 |
| |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 15.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.10% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 6 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Oct-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 11y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $16,662 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 1 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| tackshop |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,700.00 | < mo. late:
| 0
( 0% )
| 640-659
(Sep-2009)
640-659
(Jul-2008)
620-639
(Mar-2008)
660-679
(Feb-2007)
|
|
Principal balance:
| $752.99 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 32 | | |
Description
Second Loan - Second Store
Purpose of loan:
This loan will be used to?pay the remainder of a?Wells Fargo Loan ($450.00)??and?help with?second store expenses! I thought I would try Prosper again rather than go to a commercial bank for a loan.
Monthly income/expenses:?
Personal Income: $1,770 a month from 4?long time, part time jobs as a contract bookkeeper. My home expenses are about a month $1,400 which includes mortgage, utilities,?groceries, my current Prosper loan and two small low interest credit cards. I have horses so any excess funds are usually spent on them!
Business Income: Re-Ride Consignment Tack?Shop LLC,?is netting an average of $3,200.00 a month after consignor payouts. The store monthly expenses average $2,725.00 - $3,000.00 This amount includes rent, utilites, advertizing, truck payment, labor and insurance.?If there is any money left I will purchase some new supplies that just don't come in from consignors to sell. Our gross income in 2008 was $85,000.
The store is a total consignment tack shop located in the horse dense area of the Carolinas. We will be starting our 8th year in October. We have over 650 consignors and a huge inventory of equestrian items.
I have just recently gone from being a sole proprietor to become an LLC. I do have a late payment showing on my credit from M&T Bank.
I have opened a?second store in the Ocala, Fl horse country.?It is in a perfect?location and I have the perfect manager.??I have moved inventory from the first store to stock the second store so we wouldn't have to wait for the inventory to be consigned.
Please visit our website www.re-ride.com.
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Eloise62 | $75.00 | $75.00 | 11/25/2009 8:40:45 AM |
| P2InvestorSolutions | $25.00 | $25.00 | 11/25/2009 4:42:33 PM |
| grotheik | $50.00 | $50.00 | 11/28/2009 11:00:52 AM |
| Hummer-Guy | $25.83 | $25.83 | 11/28/2009 2:19:11 PM |
| Unitas4302 | $200.00 | $200.00 | 11/29/2009 8:49:49 AM |
| maverick32 | $82.46 | $82.46 | 11/29/2009 7:01:21 PM |
| jpf27 | $100.00 | $100.00 | 11/30/2009 12:20:28 AM |
| loaningmoneybyme | $25.00 | $25.00 | 11/30/2009 7:57:31 PM |
| rvfbroker | $25.00 | $25.00 | 11/30/2009 11:13:42 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:37:33 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:36:50 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:37:22 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:38:22 AM |
| Leshan | $50.00 | $50.00 | 12/1/2009 7:20:09 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:38:09 AM |
| kingbob | $25.00 | $25.00 | 12/1/2009 8:58:30 AM |
| Kash2010lu | $25.00 | $25.00 | 12/1/2009 9:06:21 AM |
| p2p-gala | $32.13 | $32.13 | 12/1/2009 10:16:32 AM |
| 371millwood | $100.00 | $100.00 | 12/1/2009 11:00:26 AM |
| slimlivin | $58.43 | $58.43 | 12/1/2009 11:44:22 AM |
| SuperDoucheBag | $30.00 | $30.00 | 12/1/2009 11:52:46 AM |
| eboomer2611 | $25.00 | $25.00 | 12/1/2009 11:49:23 AM |
| bestloanrate | $50.00 | $50.00 | 12/1/2009 11:58:07 AM |
| TakeCare | $100.00 | $100.00 | 12/1/2009 12:51:45 PM |
| Feyenoord | $25.00 | $25.00 | 12/1/2009 1:57:16 PM |
| Bob450 | $25.00 | $25.00 | 11/24/2009 8:14:23 PM |
| Tuss12 | $150.00 | $150.00 | 11/27/2009 10:56:41 AM |
| Aberdeen | $300.00 | $300.00 | 11/27/2009 1:47:45 PM |
| FarmersBank | $25.00 | $25.00 | 11/29/2009 10:52:15 AM |
| FL-Lender | $25.00 | $25.00 | 11/29/2009 12:25:30 PM |
| cashhelp | $25.00 | $25.00 | 11/29/2009 7:02:11 PM |
| adventure0 | $400.00 | $400.00 | 11/29/2009 4:23:12 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/29/2009 4:26:52 PM |
| scarlet-velvet | $25.00 | $25.00 | 11/29/2009 8:32:12 PM |
| Kqwik | $32.51 | $32.51 | 11/30/2009 5:26:12 AM |
| Iceman1347 | $25.00 | $25.00 | 11/30/2009 1:20:06 PM |
| jono9999 | $58.67 | $58.67 | 11/30/2009 2:43:02 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 11/30/2009 4:37:06 PM |
| fillholdingsllc | $25.00 | $25.00 | 11/30/2009 5:01:45 PM |
| doelenda | $25.00 | $25.00 | 11/30/2009 6:25:06 PM |
| Laxa | $100.00 | $100.00 | 11/30/2009 8:46:55 PM |
| doctorgrab | $111.91 | $111.91 | 11/30/2009 8:07:38 PM |
| penny-surgeon | $25.00 | $25.00 | 11/30/2009 11:17:07 PM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:37:10 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:37:57 AM |
| supreme-hope | $25.00 | $25.00 | 11/30/2009 11:23:13 PM |
| iolaire | $25.00 | $25.00 | 12/1/2009 6:18:30 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:37:45 AM |
| reflective-rupee | $25.00 | $25.00 | 12/1/2009 5:38:34 AM |
| vigorous-moola | $36.00 | $36.00 | 12/1/2009 5:46:54 AM |
| asdf9876 | $100.00 | $100.00 | 12/1/2009 7:20:25 AM |
| Skeptical-one | $200.00 | $200.00 | 12/1/2009 8:31:26 AM |
| branaa99 | $25.00 | $25.00 | 12/1/2009 12:15:21 PM |
| jvg10 | $50.00 | $50.00 | 12/1/2009 12:47:14 PM |
| hardworking-treasure | $25.00 | $25.00 | 12/1/2009 1:43:10 PM |
| WMY-Investor | $250.00 | $250.00 | 12/1/2009 12:53:19 PM |
| rlbbank | $25.00 | $25.00 | 12/1/2009 2:34:16 PM |
| Mr_Egret | $25.00 | $25.00 | 12/1/2009 1:44:20 PM |
| newbietony | $40.00 | $40.00 | 12/1/2009 2:29:38 PM |
| MoneyForNothing | $25.00 | $25.00 | 12/1/2009 2:57:58 PM |
| newbietony | $50.00 | $50.00 | 12/1/2009 2:30:25 PM |
| Jazzy503 | $25.00 | $25.00 | 12/1/2009 3:19:41 PM |
| friendinmoney | $50.00 | $50.00 | 12/1/2009 3:52:15 PM |
| ohmarkybaby | $45.30 | $42.06 | 12/1/2009 3:43:39 PM |
| 64 bids
|
Borrower Payment Dependent Notes Series
435249
This series of Notes was issued and sold upon the funding of the borrower loan #39821, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Nov-25-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $251.61 |
|
Final lender yield:
| 11.50% |
Final borrower rate/APR:
| 12.50% / 14.64% |
Final monthly payment:
| $217.45 |
| |
|
Auction yield range:
| 4.20% - 22.00% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.36% | | |
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:
| 22% |
|
Credit score:
| 700-719 (Nov-2009) |
Current / open credit lines:
| 11
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 35 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $127,559 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 88% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| sweet-petite |
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
Low risk borrower-high lender yield
Purpose of loan:
To pay off a?furniture retailer credit card that has a promotional 0% APR ending Jan 2010.
My financial situation:
I am a low risk borrower for several reasons:
1)? Established long?credit history with?no delinquencies, late payments or charge-off accounts
2)? Have a?secured, high-paying profession as a registered nurse (5+ years)
3)? Earning $110K in 2009; 2008 W2?was $110,358
4)? Homeowner with property collaterals
5)??Guaranteed payment from my?checking account, which is the same account that?my paychecks are automatically?deposited?every two weeks
6)? This loan is within my budget and I can?easily afford the monthly?payments
Monthly net income: $5,500 (after taxes, union dues and 401K contributions)
Monthly expenses: $ 3,800 (not including Prosper Loan)
??Housing: $540 (monthly mortgage is $1,940 but I received $1,500 from renters)?
??Insurance: $58 (car) and $121 (house)?
??Car expenses: $0 (2005 Lexus RX330?will be?paid off,?final payment is Dec 27, 2009)?
??Utilities: $225
??Phone, cable, internet: $110
??Food, entertainment: $600?
??Clothing, household expenses $200
??Credit cards and other loans: $1,900 (3 credit cards and?HELOC, always paid?more than?min due amounts)?
??Other expenses: $34 (monthly service for?home security?
Please note the high revolving credit balance in?my credit profile includes the HELOC.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CallMeBen | $25.00 | $25.00 | 11/25/2009 2:13:16 PM |
| sparkmeister | $25.00 | $25.00 | 11/25/2009 2:21:55 PM |
| money-prophesy | $100.00 | $100.00 | 11/25/2009 4:05:05 PM |
| wwwUniversal | $25.00 | $25.00 | 11/28/2009 8:23:15 AM |
| UOweMe | $25.00 | $25.00 | 11/28/2009 7:26:47 AM |
| vtpilot00 | $50.00 | $50.00 | 11/28/2009 7:43:08 AM |
| PR05P3RToday | $25.00 | $25.00 | 11/28/2009 8:20:33 AM |
| dn0pes | $25.00 | $25.00 | 11/30/2009 6:03:42 AM |
| market-jam | $100.00 | $100.00 | 11/30/2009 11:32:04 AM |
| scloans | $25.00 | $25.00 | 12/1/2009 2:05:19 AM |
| Middleschoolmathteacher | $50.00 | $50.00 | 12/1/2009 5:54:42 AM |
| raindawg | $50.00 | $50.00 | 12/1/2009 9:38:48 AM |
| bomdel | $25.00 | $25.00 | 12/1/2009 10:16:20 AM |
| IP | $50.00 | $50.00 | 12/1/2009 10:28:32 AM |
| LendAHand24 | $25.00 | $25.00 | 12/1/2009 11:33:19 AM |
| oldman68 | $25.00 | $25.00 | 12/1/2009 2:11:39 PM |
| shrewd-income | $100.00 | $100.00 | 12/1/2009 2:45:47 PM |
| Astyanax | $25.00 | $25.00 | 12/1/2009 4:00:29 PM |
| sharp-credit | $1,000.00 | $250.18 | 12/1/2009 3:47:24 PM |
| brutusbone | $50.00 | $50.00 | 12/1/2009 4:05:42 PM |
| rce1964 | $25.00 | $25.00 | 12/1/2009 4:48:02 PM |
| gothampark | $25.00 | $25.00 | 12/1/2009 5:34:22 PM |
| impartial-deal | $25.00 | $25.00 | 12/1/2009 7:57:53 PM |
| sflash | $25.00 | $25.00 | 12/1/2009 7:16:27 PM |
| best-commanding-funds | $25.00 | $25.00 | 12/1/2009 8:36:07 PM |
| FredHead3 | $25.52 | $25.52 | 12/1/2009 7:08:23 PM |
| redtilapia | $25.00 | $25.00 | 12/1/2009 8:51:14 PM |
| Share-the-wealth | $100.00 | $100.00 | 12/2/2009 6:39:52 AM |
| glazeddonuts | $46.75 | $46.75 | 12/1/2009 9:47:42 PM |
| justice-hawk | $100.00 | $100.00 | 12/2/2009 7:27:12 AM |
| scrabbler | $25.00 | $25.00 | 12/2/2009 6:35:03 AM |
| bossyboots01 | $25.00 | $25.00 | 12/2/2009 3:43:29 AM |
| atlas100 | $50.00 | $50.00 | 12/2/2009 8:41:22 AM |
| SKAGIT22 | $25.00 | $25.00 | 12/2/2009 7:31:44 AM |
| demszi1978 | $25.00 | $25.00 | 12/2/2009 5:20:43 AM |
| SKAGIT22 | $25.00 | $25.00 | 12/2/2009 7:51:34 AM |
| fatboy888 | $25.00 | $25.00 | 12/2/2009 6:11:43 AM |
| Schlawinzer | $25.00 | $25.00 | 12/2/2009 8:08:09 AM |
| nalaari | $100.00 | $100.00 | 12/2/2009 6:52:46 AM |
| kf88 | $25.00 | $25.00 | 12/2/2009 8:34:50 AM |
| Coastie814 | $25.00 | $25.00 | 12/2/2009 9:52:24 AM |
| KichigaiSensei | $25.00 | $25.00 | 12/2/2009 10:17:40 AM |
| TakeCare | $100.00 | $100.00 | 12/2/2009 10:28:18 AM |
| rockhound84 | $25.00 | $25.00 | 12/2/2009 10:38:58 AM |
| soular21804 | $25.00 | $25.00 | 12/2/2009 9:58:12 AM |
| InvestForWealth | $33.64 | $33.64 | 12/2/2009 9:08:51 AM |
| worth-arch | $50.00 | $50.00 | 12/2/2009 9:32:52 AM |
| peaceful-cash5 | $25.00 | $25.00 | 12/2/2009 9:46:34 AM |
| massuot | $50.00 | $50.00 | 12/2/2009 9:48:35 AM |
| efficient-bid2 | $200.00 | $200.00 | 12/2/2009 10:18:30 AM |
| rmachi | $25.00 | $25.00 | 12/2/2009 11:47:58 AM |
| TakeCare | $100.00 | $100.00 | 12/2/2009 11:53:41 AM |
| justice-dna | $120.00 | $120.00 | 12/2/2009 11:56:41 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/2/2009 11:01:43 AM |
| momentous-transaction8 | $100.00 | $100.00 | 12/2/2009 11:04:30 AM |
| akgirlx | $25.00 | $25.00 | 12/2/2009 12:37:17 PM |
| IceFisherman | $25.88 | $25.88 | 12/2/2009 11:52:01 AM |
| OoM | $25.00 | $25.00 | 12/2/2009 11:16:39 AM |
| stable-commitment2 | $50.00 | $50.00 | 12/2/2009 12:41:21 PM |
| maga | $100.00 | $100.00 | 12/2/2009 1:36:12 PM |
| patriot384 | $100.00 | $100.00 | 12/2/2009 1:08:54 PM |
| Dskillz | $30.00 | $30.00 | 12/2/2009 12:22:55 PM |
| MarvinE | $25.00 | $25.00 | 12/2/2009 12:28:52 PM |
| loosd | $50.00 | $50.00 | 12/2/2009 12:37:13 PM |
| nickel-pipeline | $50.00 | $50.00 | 12/2/2009 1:01:24 PM |
| ImaPutz | $25.00 | $25.00 | 12/2/2009 1:27:17 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 12/2/2009 1:52:21 PM |
| bgrifford | $25.00 | $25.00 | 12/2/2009 1:52:32 PM |
| StocksMan | $50.00 | $50.00 | 12/2/2009 1:44:30 PM |
| WHEREISTHEMOON | $50.00 | $50.00 | 11/25/2009 2:13:10 PM |
| income-fortress | $200.00 | $200.00 | 11/25/2009 2:21:59 PM |
| credit-coach118 | $25.00 | $25.00 | 11/25/2009 4:47:22 PM |
| principal-mermaid | $25.81 | $25.81 | 11/25/2009 5:19:42 PM |
| psalms6612 | $25.00 | $25.00 | 11/26/2009 3:45:59 PM |
| Ven58 | $25.00 | $25.00 | 11/26/2009 8:07:48 PM |
| minista | $25.00 | $25.00 | 11/27/2009 11:37:16 AM |
| JTHarris | $100.00 | $100.00 | 11/27/2009 7:06:14 PM |
| responsibility-butterfly | $25.00 | $25.00 | 11/28/2009 8:22:57 AM |
| CA_Lender | $25.00 | $25.00 | 11/28/2009 4:35:38 PM |
| outofoffice | $50.00 | $50.00 | 11/28/2009 8:46:53 PM |
| vine99 | $85.00 | $85.00 | 11/29/2009 1:44:52 PM |
| availableloan | $25.00 | $25.00 | 11/30/2009 11:39:14 AM |
| ProLoans | $25.00 | $25.00 | 11/30/2009 4:21:25 PM |
| EJO | $25.00 | $25.00 | 11/30/2009 4:58:41 PM |
| lender12345 | $25.00 | $25.00 | 11/30/2009 6:48:58 PM |
| ossobuco | $25.00 | $25.00 | 12/1/2009 10:12:41 AM |
| orbiter614 | $300.00 | $300.00 | 12/1/2009 12:23:16 PM |
| fenn1987 | $32.08 | $32.08 | 12/1/2009 1:52:19 PM |
| JerryB96 | $25.00 | $25.00 | 12/1/2009 1:29:02 PM |
| Astyanax | $48.86 | $48.86 | 12/1/2009 3:59:52 PM |
| iResponsibleLender | $250.00 | $250.00 | 12/1/2009 4:28:19 PM |
| qkinger | $50.00 | $50.00 | 12/1/2009 5:16:30 PM |
| RandyL3 | $29.22 | $29.22 | 12/1/2009 4:53:13 PM |
| jybank | $25.00 | $25.00 | 12/1/2009 4:59:12 PM |
| Machbannai | $25.00 | $25.00 | 12/1/2009 6:01:33 PM |
| LendToCause | $25.00 | $25.00 | 12/1/2009 8:10:11 PM |
| drummerdad | $25.00 | $25.00 | 12/1/2009 7:22:35 PM |
| Sturgee | $25.00 | $25.00 | 12/1/2009 8:12:27 PM |
| FinanceEngine | $30.00 | $30.00 | 12/1/2009 8:36:36 PM |
| MonkeyHero | $29.55 | $29.55 | 12/1/2009 8:00:01 PM |
| rjcoutur2001 | $38.49 | $38.49 | 12/2/2009 3:22:05 AM |
| jojnax | $25.00 | $25.00 | 12/2/2009 3:37:52 AM |
| BoughtTheFarm | $25.00 | $25.00 | 12/1/2009 8:53:52 PM |
| Damostuff | $25.00 | $25.00 | 12/2/2009 12:17:03 AM |
| lawboy74 | $25.00 | $25.00 | 12/2/2009 7:39:17 AM |
| jakespirit | $30.00 | $30.00 | 12/2/2009 1:09:57 AM |
| wild-orange | $25.00 | $25.00 | 12/2/2009 1:34:48 AM |
| squarebob | $50.00 | $50.00 | 12/2/2009 9:35:00 AM |
| fireman4 | $30.00 | $30.00 | 12/2/2009 6:24:18 AM |
| SS123 | $25.00 | $25.00 | 12/2/2009 8:21:31 AM |
| mustang9935 | $25.00 | $25.00 | 12/2/2009 9:38:11 AM |
| understanding-benjamins | $25.00 | $25.00 | 12/2/2009 7:24:51 AM |
| beren42 | $25.00 | $25.00 | 12/2/2009 9:13:05 AM |
| BMAInvest | $25.00 | $25.00 | 12/2/2009 7:54:59 AM |
| TravelJunkie | $25.00 | $25.00 | 12/2/2009 9:46:51 AM |
| base858 | $25.00 | $25.00 | 12/2/2009 11:08:18 AM |
| velocity-winner | $25.00 | $25.00 | 12/2/2009 9:47:16 AM |
| Alexander1776 | $25.00 | $25.00 | 12/2/2009 11:02:26 AM |
| reBuild-America | $25.00 | $25.00 | 12/2/2009 10:00:42 AM |
| niggard | $25.00 | $25.00 | 12/2/2009 10:07:22 AM |
| organic-platinum | $25.00 | $25.00 | 12/2/2009 11:52:43 AM |
| RIVERBEND | $40.00 | $40.00 | 12/2/2009 12:00:28 PM |
| buffalobills | $25.00 | $25.00 | 12/2/2009 10:42:30 AM |
| CommerciaLender | $25.00 | $25.00 | 12/2/2009 11:41:19 AM |
| Frugal | $50.00 | $50.00 | 12/2/2009 12:29:48 PM |
| ehvertherman | $27.70 | $27.70 | 12/2/2009 11:49:38 AM |
| ShowMeTheMoney85 | $25.00 | $25.00 | 12/2/2009 11:08:05 AM |
| sunsetlending | $25.00 | $25.00 | 12/2/2009 11:13:08 AM |
| nickel-ranch | $25.00 | $25.00 | 12/2/2009 11:26:55 AM |
| ManhattanLender | $25.00 | $25.00 | 12/2/2009 11:36:15 AM |
| jetblack | $39.09 | $39.09 | 12/2/2009 11:37:48 AM |
| PotBellyPete | $37.50 | $37.50 | 12/2/2009 12:40:16 PM |
| exciting-fairness | $200.00 | $200.00 | 12/2/2009 11:51:01 AM |
| mcs99 | $100.00 | $100.00 | 12/2/2009 12:18:59 PM |
| Speedfreak | $25.00 | $25.00 | 12/2/2009 1:28:52 PM |
| crw1950 | $50.00 | $50.00 | 12/2/2009 12:43:31 PM |
| Stozer | $30.00 | $30.00 | 12/2/2009 1:05:25 PM |
| BradyKP | $50.73 | $50.73 | 12/2/2009 1:16:20 PM |
| Engineer44 | $39.00 | $39.00 | 12/2/2009 1:52:24 PM |
| 139 bids
|
Borrower Payment Dependent Notes Series
435573
This series of Notes was issued and sold upon the funding of the borrower loan #39876, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,535.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 7.69% |
Starting borrower rate/APR:
| 8.69% / 9.03% |
Starting monthly payment:
| $80.25 |
|
Final lender yield:
| 5.95% |
Final borrower rate/APR:
| 6.95% / 7.29% |
Final monthly payment:
| $78.22 |
| |
|
Auction yield range:
| 3.20% - 7.69% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 10 |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 820-839 (Nov-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,544 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 9% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| pobzeb |
Borrower's state:
| Montana |
Borrower's group:
| Aimvest |
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 last credit card
Purpose of loan:
I will use this loan to pay off my last credit card and be completely debt free.
My financial situation:
I am a full-time, salaried employee in the tech industry and part of the largest local retail store in the state. We were recently named #1 in Consumer Reports for online retail beating out top companies like Costco and BestBuy. This year we are set to break all previous revenue records for our company.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| FundMaker | $25.00 | $25.00 | 11/30/2009 1:09:26 PM |
| amit_gu | $69.78 | $69.78 | 12/1/2009 10:02:49 AM |
| Wildcat23 | $50.00 | $50.00 | 12/1/2009 1:04:26 PM |
| thesage | $25.00 | $25.00 | 12/1/2009 6:54:10 PM |
| swissbanker | $50.00 | $50.00 | 12/1/2009 9:28:13 PM |
| turbospeed | $25.00 | $25.00 | 12/2/2009 12:26:56 AM |
| bankofriverside | $25.00 | $25.00 | 12/2/2009 9:24:02 AM |
| crazybunga | $25.00 | $25.00 | 12/3/2009 8:12:56 AM |
| Dollars4Rent | $25.00 | $25.00 | 12/3/2009 9:39:20 AM |
| Digs | $25.00 | $25.00 | 12/3/2009 12:53:03 PM |
| fascinating-dollar | $50.00 | $50.00 | 12/3/2009 1:55:35 PM |
| lincmercguy | $25.00 | $25.00 | 12/3/2009 8:16:01 PM |
| John_14_6 | $25.00 | $25.00 | 12/4/2009 11:45:28 AM |
| NoNameLender | $50.00 | $50.00 | 12/4/2009 12:53:55 PM |
| JCPlending | $25.00 | $25.00 | 12/4/2009 6:30:36 PM |
| copiosus | $25.00 | $25.00 | 12/4/2009 6:55:04 PM |
| kc_dude | $30.00 | $30.00 | 12/5/2009 12:52:05 PM |
| Jalupa | $25.00 | $17.60 | 12/5/2009 7:59:02 PM |
| investmentgroup | $25.00 | $25.00 | 12/6/2009 5:26:12 AM |
| dmitriy2 | $50.00 | $50.00 | 12/6/2009 4:34:40 PM |
| bondhedger | $25.00 | $25.00 | 12/6/2009 4:37:18 PM |
| hellasow | $25.00 | $25.00 | 12/6/2009 11:17:24 AM |
| nbah123 | $50.00 | $50.00 | 12/6/2009 1:43:26 PM |
| bossyboots01 | $25.00 | $25.00 | 12/7/2009 3:24:39 AM |
| heerzaquestion | $25.00 | $25.00 | 12/7/2009 6:43:39 AM |
| Snoopylover | $25.00 | $25.00 | 12/7/2009 6:10:06 AM |
| jmainc | $25.00 | $25.00 | 12/7/2009 6:18:17 AM |
| westernstar | $25.00 | $25.00 | 12/7/2009 7:13:48 AM |
| REITRUST | $25.00 | $25.00 | 12/7/2009 8:56:48 AM |
| catalystcf | $25.00 | $25.00 | 12/7/2009 8:17:40 AM |
| Astyanax | $25.00 | $25.00 | 12/7/2009 9:07:13 AM |
| StocksMan | $50.00 | $50.00 | 12/7/2009 9:25:22 AM |
| hellasow | $50.00 | $50.00 | 11/30/2009 11:19:21 AM |
| springpanda | $50.00 | $50.00 | 11/30/2009 3:20:09 PM |
| turbospeed | $25.00 | $25.00 | 12/1/2009 12:23:53 AM |
| help4u | $150.00 | $150.00 | 12/1/2009 12:34:43 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 12/1/2009 1:04:10 PM |
| impartial-deal | $37.62 | $37.62 | 12/1/2009 8:00:06 PM |
| Richmp412 | $25.00 | $25.00 | 12/3/2009 8:48:26 AM |
| loanshark62 | $25.00 | $25.00 | 12/3/2009 3:50:18 PM |
| nerd2fly | $50.00 | $50.00 | 12/3/2009 7:40:47 PM |
| WILender2 | $50.00 | $50.00 | 12/4/2009 10:14:29 AM |
| quest194 | $30.00 | $30.00 | 12/4/2009 10:57:18 AM |
| beachfunder | $25.00 | $25.00 | 12/4/2009 11:41:47 AM |
| marwadi-62 | $100.00 | $100.00 | 12/4/2009 3:17:58 PM |
| kmfreymi | $25.00 | $25.00 | 12/4/2009 3:44:59 PM |
| frankandirene | $25.00 | $25.00 | 12/4/2009 5:25:13 PM |
| HappyToLoan | $25.00 | $25.00 | 12/4/2009 6:52:50 PM |
| JDLanier | $25.00 | $25.00 | 12/4/2009 8:21:17 PM |
| dontscrewmeover1 | $100.00 | $100.00 | 12/5/2009 4:07:16 AM |
| Spiv_51 | $25.00 | $25.00 | 12/5/2009 5:08:09 AM |
| stelex | $50.00 | $50.00 | 12/5/2009 7:41:50 AM |
| JerryB96 | $25.00 | $25.00 | 12/5/2009 8:15:36 AM |
| kmfreymi | $25.00 | $25.00 | 12/5/2009 6:28:33 AM |
| alydad1 | $25.00 | $25.00 | 12/5/2009 7:22:11 AM |
| drysdale-sd | $25.00 | $25.00 | 12/5/2009 9:35:55 AM |
| canterburykid | $100.00 | $100.00 | 12/5/2009 12:41:58 PM |
| HealthAndSafety | $50.00 | $50.00 | 12/5/2009 4:31:05 PM |
| orbital-gain | $50.00 | $50.00 | 12/6/2009 1:03:57 PM |
| YummiBear | $25.00 | $25.00 | 12/6/2009 3:38:13 PM |
| jybank | $25.00 | $25.00 | 12/6/2009 8:56:31 PM |
| TakeCare | $25.00 | $25.00 | 12/6/2009 8:43:29 PM |
| big_oaks | $50.00 | $50.00 | 12/6/2009 10:05:36 PM |
| asset-goblin5 | $25.00 | $25.00 | 12/7/2009 5:48:05 AM |
| generous-deal6 | $50.00 | $50.00 | 12/7/2009 6:32:10 AM |
| lm150 | $25.00 | $25.00 | 12/7/2009 6:38:51 AM |
| dreamhope | $25.00 | $25.00 | 12/7/2009 7:15:54 AM |
| rmachi | $25.00 | $25.00 | 12/7/2009 8:57:47 AM |
| friendinmoney | $25.00 | $25.00 | 12/7/2009 9:16:11 AM |
| 69 bids
|
Borrower Payment Dependent Notes Series
435747
This series of Notes was issued and sold upon the funding of the borrower loan #39853, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Nov-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 23.00% |
Final borrower rate/APR:
| 24.00% / 27.88% |
Final monthly payment:
| $39.23 |
| |
|
Auction yield range:
| 14.20% - 34.00% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 620-639 (Nov-2009) |
Current / open credit lines:
| 11
/
10 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 7y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $30,969 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| growingbiz2010 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 620-639
(Oct-2009)
640-659
(Jun-2008)
|
|
Principal balance:
| $1,456.99 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Short Term Small Business Loan
Purpose of loan:
This loan will be used to purchase tax software and supplies for the upcoming tax season.? I am an accountant/tax preparer and have been in business for over 7 years now.? Business was slow this past year due to the poor economy, so cash flow is a little tight right now which is why I am requesting this loan. ??
However, business has been picking up finally, and I expect to have a good tax season.? I also
have a unique niche that I plan on capitalizing on.? That niche is working with online business owners,
including eBay sellers, graphic designers, coaches, virtual assistants,
etc.? The online business community is growing very rapidly, and there are very few accountants that have knowledge about online businesses so this market is vastly under-served.?
My goal for this loan is to purchase new tax software for the upcoming tax season, and to create a marketing plan to really dominate the online business market.? The marketing plan will include a blog dedicated to online business owners, and teleseminars and webinars to get my name out there as the expert in online business taxes.?
My financial situation:
This is my second loan through Prosper (both business loans).? I have an excellent repayment history.? I have never missed a payment or even had a late payment.? Being an accountant, my credit history is very important to me, so you can be sure that I will go above and beyond to repay my loans and to keep my credit history in good standing.?
My goal is to pay this loan off quickly using the profits earned this tax season (average earnings from tax season = $20,000, this is in addition to my full time job).
I appreciate the opportunity that the Prosper community offers.? 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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| moo916 | $75.00 | $75.00 | 12/3/2009 6:43:23 PM |
| adventure0 | $100.00 | $100.00 | 12/3/2009 7:52:50 PM |
| Feyenoord | $25.00 | $25.00 | 12/4/2009 5:07:32 PM |
| SolarMoonshine | $100.00 | $100.00 | 12/5/2009 8:27:48 AM |
| credit-coach118 | $25.00 | $25.00 | 12/5/2009 8:30:55 AM |
| Skeptical-one | $100.00 | $100.00 | 12/5/2009 11:53:28 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/6/2009 4:14:50 PM |
| SuperDoucheBag | $25.00 | $25.00 | 12/6/2009 7:10:33 PM |
| lender12345 | $25.00 | $25.00 | 12/6/2009 7:17:29 PM |
| TakeCare | $100.00 | $10.91 | 12/6/2009 9:04:17 PM |
| generous-deal6 | $30.00 | $30.00 | 12/7/2009 7:44:39 AM |
| bigattichouse | $50.00 | $50.00 | 12/7/2009 5:06:39 AM |
| kinetic-social | $25.00 | $25.00 | 12/7/2009 9:27:51 AM |
| glowman76 | $51.29 | $51.29 | 12/7/2009 9:28:23 AM |
| gra82 | $25.00 | $25.00 | 12/1/2009 10:00:38 PM |
| realtormoises | $25.00 | $25.00 | 12/3/2009 9:39:12 AM |
| Tahoeman | $25.00 | $25.00 | 12/4/2009 12:51:47 PM |
| farblest | $57.80 | $57.80 | 12/5/2009 10:04:01 AM |
| vest_vortex | $25.00 | $25.00 | 12/5/2009 2:09:56 PM |
| SkinnyFish | $25.00 | $25.00 | 12/7/2009 4:45:22 AM |
| Kyileo | $50.00 | $50.00 | 12/7/2009 9:05:16 AM |
| unger | $100.00 | $100.00 | 12/7/2009 9:24:30 AM |
| 22 bids
|
Borrower Payment Dependent Notes Series
435795
This series of Notes was issued and sold upon the funding of the borrower loan #39885, 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-30-2009 |
| |
Auction end date:
| Dec-02-2009 |
|
|
Starting lender yield:
| 9.94% |
Starting borrower rate/APR:
| 10.94% / 13.30% |
Starting monthly payment:
| $49.07 |
|
Final lender yield:
| 9.40% |
Final borrower rate/APR:
| 10.40% / 12.75% |
Final monthly payment:
| $48.68 |
| |
|
Auction yield range:
| 4.20% - 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-1984 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 740-759 (Nov-2009) |
Current / open credit lines:
| 3
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,313 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| silver-slingshot |
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
Credit Pay Off
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please describe your occupation and likelihood of continued emplyment. - exciting-fairness
A:
I work full-time as a Contract Administrator in the Procurement Department for the transit authority in Washington DC. Currently there is no threat of reductions-in-force; my employment status is safe.
(Dec-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| responsibility-butterfly | $25.00 | $25.00 | 11/30/2009 9:41:32 AM |
| Kerrysbay | $25.00 | $25.00 | 11/30/2009 9:50:14 AM |
| Steveoo1 | $50.00 | $50.00 | 11/30/2009 10:18:56 AM |
| credit-investor5 | $100.00 | $100.00 | 11/30/2009 10:47:05 AM |
| sidney102 | $25.00 | $25.00 | 11/30/2009 10:47:31 AM |
| Banker7371 | $25.00 | $25.00 | 11/30/2009 10:48:31 AM |
| the_winning_ticket | $35.00 | $35.00 | 11/30/2009 10:49:26 AM |
| burgeoning-silver | $25.00 | $25.00 | 11/30/2009 10:50:08 AM |
| Weaverville | $25.00 | $25.00 | 11/30/2009 10:50:59 AM |
| museic1 | $25.00 | $25.00 | 11/30/2009 10:46:52 AM |
| miked8303 | $25.00 | $25.00 | 11/30/2009 10:48:01 AM |
| MoneyU4IA | $40.00 | $40.00 | 11/30/2009 10:48:13 AM |
| leodaguy | $25.00 | $25.00 | 11/30/2009 10:49:12 AM |
| sharkm | $25.00 | $25.00 | 11/30/2009 10:49:40 AM |
| Attract | $25.00 | $25.00 | 11/30/2009 10:50:19 AM |
| personal-lender | $25.00 | $25.00 | 11/30/2009 10:50:42 AM |
| Walkingcowboy | $25.00 | $25.00 | 11/30/2009 10:51:42 AM |
| justice-dna | $35.00 | $25.00 | 11/30/2009 10:51:58 AM |
| springpanda | $25.00 | $25.00 | 11/30/2009 3:27:32 PM |
| a-shiny-dime | $25.00 | $25.00 | 12/1/2009 4:49:48 PM |
| ljay | $25.00 | $25.00 | 11/30/2009 9:50:28 AM |
| lucrative-worth | $25.00 | $25.00 | 11/30/2009 10:41:20 AM |
| turbospeed | $25.00 | $25.00 | 11/30/2009 10:42:27 AM |
| gracej | $25.00 | $25.00 | 11/30/2009 10:51:28 AM |
| elevated-platinum5 | $25.00 | $25.00 | 11/30/2009 10:46:35 AM |
| TakeCare | $100.00 | $100.00 | 11/30/2009 10:47:54 AM |
| gizzywump | $25.00 | $25.00 | 11/30/2009 10:48:08 AM |
| lloyd_s | $25.00 | $25.00 | 11/30/2009 10:48:44 AM |
| lend_to_you | $50.00 | $50.00 | 11/30/2009 10:49:03 AM |
| E_G | $50.00 | $50.00 | 11/30/2009 10:49:52 AM |
| bchen78875 | $50.00 | $50.00 | 11/30/2009 10:51:15 AM |
| zento | $25.00 | $25.00 | 11/30/2009 11:03:47 AM |
| availableloan | $25.00 | $25.00 | 11/30/2009 11:39:30 AM |
| the-profit-oracle | $25.00 | $25.00 | 11/30/2009 12:19:35 PM |
| patriot384 | $50.00 | $50.00 | 11/30/2009 2:23:13 PM |
| unk1911 | $25.00 | $25.00 | 11/30/2009 4:21:38 PM |
| Syzygy | $25.00 | $25.00 | 12/1/2009 10:43:56 AM |
| StocksMan | $50.00 | $50.00 | 12/1/2009 11:05:19 AM |
| GoGators01 | $25.00 | $25.00 | 12/1/2009 11:49:39 AM |
| orbiter614 | $75.00 | $75.00 | 12/1/2009 12:14:33 PM |
| market-jam | $100.00 | $100.00 | 12/1/2009 4:39:35 PM |
| WillingToHelpOut | $25.00 | $25.00 | 12/2/2009 1:12:18 AM |
| 42 bids
|
Borrower Payment Dependent Notes Series
435869
This series of Notes was issued and sold upon the funding of the borrower loan #39803, 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-30-2009 |
| |
Auction end date:
| Dec-05-2009 |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.62% |
Starting monthly payment:
| $62.05 |
|
Final lender yield:
| 25.34% |
Final borrower rate/APR:
| 26.34% / 28.93% |
Final monthly payment:
| $60.71 |
| |
|
Auction yield range:
| 8.20% - 27.00% |
Estimated loss impact:
| 7.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.23% | | |
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-1996 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 640-659 (Nov-2009) |
Current / open credit lines:
| 12
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 42 | Length of status: | 25y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $24,335 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| euro-pole |
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
Christmas Money
Purpose of loan:
This loan will be used to buy Christmas presents for my children
My financial situation:
I am a good candidate for this loan because I have been employed at the same job for 24 years?
Monthly net income: $ 2000.00
Monthly expenses: $
??Housing: $ 1300
??Insurance: $
??Car expenses: $
??Utilities: $?125
??Phone, cable, internet: $ 300
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Borrow2Grow | $51.00 | $51.00 | 11/30/2009 2:26:25 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 4:13:30 PM |
| reflective-rupee | $25.00 | $25.00 | 11/30/2009 4:14:00 PM |
| tracyjo | $25.00 | $25.00 | 12/1/2009 5:27:42 AM |
| the-profit-oracle | $25.00 | $25.00 | 12/1/2009 11:53:18 AM |
| ctruong53 | $80.00 | $80.00 | 12/1/2009 3:45:29 PM |
| sbv1689 | $25.00 | $25.00 | 12/2/2009 6:16:21 AM |
| A007 | $25.00 | $25.00 | 12/2/2009 6:59:59 AM |
| Myrick | $25.00 | $25.00 | 12/2/2009 3:40:29 AM |
| building_community | $25.00 | $25.00 | 12/2/2009 7:39:56 AM |
| Bank_Of_XL | $100.00 | $100.00 | 12/2/2009 7:33:22 AM |
| bettndon | $50.00 | $50.00 | 12/2/2009 7:38:56 AM |
| reflective-rupee | $25.00 | $25.00 | 12/2/2009 9:57:45 AM |
| investment-forte | $26.10 | $26.10 | 12/2/2009 3:53:07 PM |
| hellasow | $25.00 | $25.00 | 12/2/2009 5:14:18 PM |
| tnjohnso | $25.00 | $25.00 | 12/2/2009 11:59:18 PM |
| amor1962 | $25.00 | $25.00 | 12/3/2009 9:25:18 AM |
| djalan | $25.00 | $25.00 | 12/3/2009 12:09:57 PM |
| monstersdad | $50.00 | $50.00 | 12/3/2009 3:21:48 PM |
| helping-out | $40.00 | $40.00 | 12/3/2009 9:00:29 PM |
| Ronnieboy888 | $25.00 | $25.00 | 12/4/2009 9:06:14 AM |
| nilonc1 | $150.00 | $4.52 | 12/4/2009 12:35:17 PM |
| vine99 | $55.00 | $55.00 | 12/4/2009 4:08:59 PM |
| caseattle | $25.00 | $25.00 | 11/30/2009 2:32:31 PM |
| rhin0cerx | $50.00 | $50.00 | 11/30/2009 4:08:58 PM |
| meers2000 | $25.00 | $25.00 | 12/1/2009 4:10:55 PM |
| BradP | $50.00 | $50.00 | 12/1/2009 4:43:06 PM |
| kginatl | $38.38 | $38.38 | 12/1/2009 8:43:42 PM |
| Ven58 | $25.00 | $25.00 | 12/2/2009 7:43:09 AM |
| reflective-rupee | $25.00 | $25.00 | 12/2/2009 9:57:58 AM |
| reflective-rupee | $25.00 | $25.00 | 12/2/2009 9:58:09 AM |
| outofoffice | $50.00 | $50.00 | 12/2/2009 3:49:59 PM |
| agile-loan0 | $25.00 | $25.00 | 12/2/2009 4:44:15 PM |
| stuy1998 | $30.00 | $30.00 | 12/2/2009 4:52:33 PM |
| SeaSkyGuy71 | $25.00 | $25.00 | 12/2/2009 10:13:04 PM |
| mtnsofutah | $25.00 | $25.00 | 12/3/2009 12:12:22 AM |
| Montiesholdings | $25.00 | $25.00 | 12/3/2009 5:11:54 AM |
| professional-finance | $25.00 | $25.00 | 12/3/2009 2:28:19 PM |
| builderjd | $25.00 | $25.00 | 12/3/2009 3:56:11 PM |
| moo916 | $50.00 | $50.00 | 12/3/2009 6:45:32 PM |
| leverage-monger | $50.00 | $50.00 | 12/4/2009 3:46:38 PM |
| Bob450 | $50.00 | $50.00 | 12/4/2009 10:34:12 PM |
| wealth-comet694 | $25.00 | $25.00 | 12/5/2009 7:27:44 AM |
| mercuriant | $25.00 | $25.00 | 12/5/2009 7:14:05 AM |
| 44 bids
|
Borrower Payment Dependent Notes Series
435875
This series of Notes was issued and sold upon the funding of the borrower loan #39818, 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-30-2009 |
| |
Auction end date:
| Dec-07-2009 |
|
|
Starting lender yield:
| 29.98% |
Starting borrower rate/APR:
| 30.98% / 35.03% |
Starting monthly payment:
| $42.99 |
|
Final lender yield:
| 19.80% |
Final borrower rate/APR:
| 20.80% / 24.60% |
Final monthly payment:
| $37.57 |
| |
|
Auction yield range:
| 11.20% - 29.98% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.33% | | |
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-1992 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Nov-2009) |
Current / open credit lines:
| 5
/
2 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| gain-mechanic1 |
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
Legal Reference books
Purpose of loan:
This loan will be used to purchase those expensive legal reference books for my new solo
attorney practice which is planned to open in January, 2010.I have secured the costs for my other star-up needs, but
financing this important part of the practice would be extremely comforting at the early stages of the business.My financial situation:
I have worked at non-for-profit
law firms for the past four years. In
the last two years I have specialized and acquired legal expertise on an area
of the law that has seen recent increase in demand.? The demand for legal services will continue to be high regardless
of the present economic outlook. I have the
expertise and expect to deliver high quality services for my future clients. I currently make 49,000 at my non-for-profit position.I expect to double that amount in the first
two years.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $
725
??Insurance: $
80
??Car expenses: $
330
??Utilities: $
30
??Phone, cable, internet: $
150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
130
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| foothillender | $25.00 | $25.00 | 12/1/2009 7:18:37 AM |
| fillholdingsllc | $25.00 | $25.00 | 12/1/2009 6:53:24 PM |
| dudebrah | $25.00 | $25.00 | 12/2/2009 3:52:21 PM |
| SolarMoonshine | $150.00 | $150.00 | 12/2/2009 7:01:34 PM |
| stuart791 | $35.86 | $35.86 | 12/3/2009 5:01:01 PM |
| lnrn | $38.53 | $38.53 | 12/7/2009 12:20:55 PM |
| jybank | $25.00 | $25.00 | 12/7/2009 12:56:57 PM |
| Gaelicman | $50.00 | $50.00 | 12/7/2009 1:11:33 PM |
| spc91x | $25.00 | $25.00 | 12/7/2009 12:10:56 PM |
| generous-deal6 | $25.00 | $25.00 | 12/7/2009 12:55:55 PM |
| 120grit | $25.00 | $25.00 | 12/7/2009 1:37:56 PM |
| d34dfish | $25.00 | $25.00 | 12/7/2009 2:04:39 PM |
| OPEO | $25.00 | $25.00 | 12/7/2009 2:13:14 PM |
| flexible-income7 | $25.00 | $25.00 | 12/7/2009 2:24:00 PM |
| IPG1 | $25.00 | $25.00 | 12/1/2009 2:32:17 PM |
| Leshan | $50.00 | $50.00 | 12/7/2009 10:16:59 AM |
| historic-nickel | $75.00 | $75.00 | 12/7/2009 12:54:23 PM |
| dante168 | $25.00 | $25.00 | 12/7/2009 11:44:06 AM |
| jsnryn | $25.00 | $25.00 | 12/7/2009 1:50:04 PM |
| Bob450 | $25.00 | $25.00 | 12/7/2009 2:08:56 PM |
| interloode | $100.00 | $100.00 | 12/7/2009 2:11:28 PM |
| the-silver-blaster | $50.00 | $50.00 | 12/7/2009 12:56:01 PM |
| Frugal | $25.00 | $25.00 | 12/7/2009 1:28:05 PM |
| durability-colonel | $50.00 | $50.00 | 12/7/2009 1:55:38 PM |
| skaught | $25.00 | $25.00 | 12/7/2009 2:08:44 PM |
| Engineer44 | $27.00 | $0.61 | 12/7/2009 2:23:40 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
436569
This series of Notes was issued and sold upon the funding of the borrower loan #39870, 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:
| Dec-03-2009 |
| |
Auction end date:
| Dec-06-2009 |
|
|
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:
| 4.20% - 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-1985 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 760-779 (Nov-2009) |
Current / open credit lines:
| 18
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 60 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,789 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 90% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| wise-enterprising-marketplace |
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
Debt Consolidation
Purpose of loan:
This loan will be used to?? I need a short term loan to pay off an existing 401K loan.? I need to do that before I can borrow again from the 401k and completely eliminate my short term debt.? I am willing to pay a small premium for the short term.? I?expect to pay the loan off in 90 days.
My financial situation:
I am a good candidate for this loan because? I have stable employment and does my wife.
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 this picture? I thougth you were a CPA? - hidavehi
A:
I'm also an officer in the US Navy Reserve; have been deployed to the Middle East twice; thanks for your question
(Dec-05-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| agab | $25.00 | $25.00 | 12/3/2009 4:51:48 PM |
| Dollarhide | $25.00 | $25.00 | 12/3/2009 4:51:46 PM |
| YDBXMHC | $25.00 | $25.00 | 12/3/2009 4:58:26 PM |
| sparkmeister | $25.00 | $25.00 | 12/3/2009 5:13:58 PM |
| kccameo | $50.00 | $50.00 | 12/3/2009 8:21:16 PM |
| chibear34 | $25.00 | $25.00 | 12/4/2009 4:24:16 AM |
| vegaslender88 | $25.00 | $25.00 | 12/3/2009 11:06:58 PM |
| steady-dime | $100.00 | $100.00 | 12/4/2009 5:33:18 AM |
| Aristophil | $100.00 | $100.00 | 12/4/2009 7:40:22 AM |
| KramericaIndustries | $25.00 | $25.00 | 12/4/2009 10:08:59 AM |
| wealth-pipeline | $25.00 | $25.00 | 12/4/2009 10:26:15 AM |
| alex189a | $50.00 | $50.00 | 12/4/2009 11:59:18 AM |
| new-peso-concerto | $100.00 | $100.00 | 12/4/2009 11:58:20 AM |
| Ven58 | $25.00 | $25.00 | 12/4/2009 12:00:55 PM |
| patriot384 | $70.00 | $70.00 | 12/4/2009 2:09:19 PM |
| UBOtto186 | $25.00 | $25.00 | 12/4/2009 4:26:32 PM |
| STLRacer | $25.00 | $25.00 | 12/5/2009 4:58:48 AM |
| YeoLenderSource | $25.00 | $25.00 | 12/5/2009 7:46:11 AM |
| Bob450 | $25.00 | $25.00 | 12/5/2009 10:42:10 AM |
| disclaimer777cc | $25.00 | $25.00 | 12/5/2009 12:45:08 PM |
| gourd6 | $25.00 | $25.00 | 12/5/2009 2:15:35 PM |
| historic-nickel | $50.00 | $50.00 | 12/5/2009 5:25:34 PM |
| kind-bid-maverick | $50.00 | $50.00 | 12/5/2009 9:01:08 PM |
| realone8 | $25.00 | $25.00 | 12/6/2009 6:07:52 AM |
| Aristophil | $500.00 | $427.00 | 12/6/2009 6:06:04 AM |
| Tazeme | $25.00 | $25.00 | 12/3/2009 4:52:05 PM |
| flyinhawaiian | $50.00 | $50.00 | 12/3/2009 4:51:45 PM |
| pr0sp3r1ty | $25.00 | $25.00 | 12/3/2009 5:00:27 PM |
| Spring342 | $25.00 | $25.00 | 12/3/2009 5:00:42 PM |
| investor_101 | $25.00 | $25.00 | 12/3/2009 5:06:24 PM |
| sociallender | $25.00 | $25.00 | 12/3/2009 5:13:55 PM |
| silverloan | $50.00 | $50.00 | 12/3/2009 5:19:10 PM |
| CashProvider | $200.00 | $200.00 | 12/3/2009 5:29:23 PM |
| eronyc | $25.00 | $25.00 | 12/3/2009 5:29:50 PM |
| snw_1710 | $100.00 | $100.00 | 12/3/2009 5:30:30 PM |
| the-profit-oracle | $25.00 | $25.00 | 12/3/2009 5:46:03 PM |
| ONECENTATATIME | $35.00 | $35.00 | 12/3/2009 6:10:03 PM |
| mrxtravis | $25.00 | $25.00 | 12/3/2009 6:26:56 PM |
| building_community | $25.00 | $25.00 | 12/3/2009 8:22:11 PM |
| gourd6 | $25.00 | $25.00 | 12/3/2009 8:26:23 PM |
| dinero-elevator | $50.00 | $50.00 | 12/4/2009 5:59:08 AM |
| HarryRoberts | $100.00 | $100.00 | 12/4/2009 3:20:05 AM |
| inforapenny | $25.00 | $25.00 | 12/4/2009 7:48:08 AM |
| Bank_Of_XL | $100.00 | $100.00 | 12/4/2009 10:37:46 AM |
| Firehouse | $50.00 | $50.00 | 12/4/2009 10:52:57 AM |
| vine99 | $85.00 | $85.00 | 12/4/2009 11:40:19 AM |
| DG2007 | $25.00 | $25.00 | 12/4/2009 2:49:53 PM |
| Num1Knicks | $25.00 | $25.00 | 12/4/2009 4:06:33 PM |
| jonn834 | $25.00 | $25.00 | 12/4/2009 4:55:00 PM |
| fascinating-gold | $100.00 | $100.00 | 12/4/2009 5:31:50 PM |
| luann199 | $25.00 | $25.00 | 12/4/2009 6:00:33 PM |
| awesome-benefit1 | $25.00 | $25.00 | 12/4/2009 7:33:34 PM |
| helping-out | $25.00 | $25.00 | 12/4/2009 9:59:55 PM |
| CommerciaLender | $25.00 | $25.00 | 12/5/2009 5:14:38 AM |
| Westb | $50.00 | $50.00 | 12/5/2009 8:41:36 AM |
| nickel-pipeline | $33.00 | $33.00 | 12/5/2009 8:39:37 AM |
| psalms6612 | $25.00 | $25.00 | 12/5/2009 11:02:25 AM |
| Frugal | $25.00 | $25.00 | 12/5/2009 11:30:31 AM |
| cashhelp | $25.00 | $25.00 | 12/5/2009 9:02:07 PM |
| springpanda | $25.00 | $25.00 | 12/6/2009 2:11:45 AM |
| sensible-fund | $25.00 | $25.00 | 12/5/2009 10:19:06 PM |
| morewhatsinstore | $25.00 | $25.00 | 12/6/2009 1:02:48 AM |
| 62 bids
|