Sales Report:Supplement No. 96 dated Dec 11, 2009 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 435451
This series of Notes was issued and sold upon the funding of the borrower loan #39936, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-30-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 9.94% Starting borrower rate/APR: 10.94% / 14.52% Starting monthly payment: $32.71
Final lender yield: 9.60% Final borrower rate/APR: 10.60% / 14.18% Final monthly payment: $32.55
 
Auction yield range: 4.20% - 9.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Mar-1978 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2009) Current / open credit lines: 5 / 5Employment status:Not employed
Now delinquent: 0 Total credit lines: 13Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $15,393Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 62% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: towering-truth Borrower's state: Oregon 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
Unexpected bills, health issues
Purpose of loan:
This loan will be used to?pay all bills until I receive money in mid -January for property sold. By the end of January , I would be re-paying the entire loan. This situation exists only because my wife developed a health condition which is now much better , but required a great deal of money to be spent on possible cures.. Very few doctors even recognize this as a disease and while we don't have the first known cure, she now can lead a normal life. Former Oakland pitcher Billy Koch apparently went through this.

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Mav26$100.00$100.0011/30/2009 12:58:20 PM
justice-hawk$25.00$25.0012/2/2009 7:52:10 AM
helping-out$50.00$50.0012/3/2009 8:41:02 PM
MrLeft$25.00$25.0012/4/2009 6:48:52 AM
JerryB96$25.00$25.0012/5/2009 8:08:00 AM
nickel-pipeline$33.00$33.0012/5/2009 8:24:47 AM
kazanov$50.00$50.0012/5/2009 4:45:02 PM
TakeCare$25.00$25.0012/6/2009 8:21:33 PM
generous-deal6$50.00$50.0012/6/2009 6:43:30 PM
helping-out$250.00$250.0012/6/2009 8:48:08 PM
TakeCare$25.00$25.0012/6/2009 8:21:08 PM
sab$25.00$25.0012/7/2009 7:07:02 AM
kmfreymi$25.00$25.0012/7/2009 7:41:29 AM
newbietony$30.00$30.0012/2/2009 10:50:26 AM
mrxtravis$50.00$50.0012/4/2009 8:25:38 PM
ManhattanLender$25.00$25.0012/5/2009 1:02:35 PM
tomjac2000$25.00$25.0012/6/2009 4:46:59 PM
nickel-pipeline$41.78$41.7812/6/2009 8:14:30 PM
icess285$25.00$25.0012/6/2009 8:46:11 PM
sorace$25.00$25.0012/7/2009 5:42:50 AM
bnordman$100.00$70.2212/7/2009 7:36:58 AM
21 bids
 
Borrower Payment Dependent Notes Series 435665
This series of Notes was issued and sold upon the funding of the borrower loan #39857, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Nov-30-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 25.83% Starting monthly payment: $38.19
Final lender yield: 17.90% Final borrower rate/APR: 18.90% / 22.66% Final monthly payment: $36.61
 
Auction yield range: 8.20% - 21.00% Estimated loss impact: 6.91%  
Lender servicing fee: 1.00% Estimated return: 10.99%  
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: 10 First credit line: Jan-1997 Debt/Income ratio: 11%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $13,348 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 72%Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: accord3 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff High APR Credit Card
Your assistance is appreciated in allowing the payoff of a high APR on a credit card.

This loan will be repaid with both salary and rental property income; statements available.

Effective 40% APR - to go into effect Jan 1st 2010. I am a VB/VBA programmer, currently on site at Qwest via Apex Systems Inc?and earn approximately $65000 annually from salary.? The rental income portion is from two condos yielding $14000 rent annually.? I'm new to Prosper but can provide necessary statements to prove annual income.? My credit reports will show I have not missed a payment to credit card, utility, etc. for at least five years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you explain your DQs and hi bankcard utilization? - JGuide
A: JGuide - I have no DQs within five years - I am current and in good standing with all my creditors. Regarding bankcard utilization, due to national trend of banks lowering credit limits - I'm ensuring my credit lines by maintaining balances with acceptable APRs - would only pay off when I need to have my FICO spike higher (home/car purchase for instance). It is more important for me now to establish on my credit report - new accounts/high limits than to be debt free for FICO building. (Dec-02-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
crippledcircus$50.00$50.0011/30/2009 10:35:50 AM
the-profit-oracle$25.00$25.0011/30/2009 1:16:26 PM
4mydaughterseducation$25.00$25.0012/4/2009 7:16:14 PM
tyson789$70.72$70.7212/5/2009 3:48:49 PM
Techne_Funds_LLC$25.00$4.2812/5/2009 7:32:07 PM
oceanside$25.00$25.0012/6/2009 5:33:29 AM
ValleyBHC$25.00$25.0012/6/2009 5:19:01 AM
jybank$25.00$25.0012/6/2009 11:02:19 PM
TakeCare$25.00$25.0012/6/2009 8:55:10 PM
fatboy888$25.00$25.0012/7/2009 6:39:21 AM
friendinmoney$25.00$25.0012/7/2009 9:20:30 AM
4mydaughterseducation$25.00$25.0012/1/2009 5:29:28 PM
Trondheim_Norway$100.00$100.0012/4/2009 6:00:58 PM
kazanov$50.00$50.0012/5/2009 4:45:34 PM
the-silver-blaster$50.00$50.0012/5/2009 6:11:06 PM
Nicksr$50.00$50.0012/6/2009 6:19:49 PM
lender12345$25.00$25.0012/6/2009 7:54:36 PM
gothampark$25.00$25.0012/6/2009 9:15:30 PM
ryan6853$25.00$25.0012/6/2009 9:53:25 PM
SkinnyFish$25.00$25.0012/7/2009 4:41:31 AM
elvisloans$50.00$50.0012/7/2009 8:04:05 AM
Pu239$50.00$50.0012/7/2009 8:09:38 AM
Bob450$25.00$25.0012/7/2009 8:13:59 AM
wwwUniversal$25.00$25.0012/7/2009 8:48:00 AM
squarebob$50.00$50.0012/7/2009 7:20:41 AM
honorable-yield$50.00$50.0012/7/2009 7:25:37 AM
friendinmoney$50.00$50.0012/7/2009 9:29:09 AM
27 bids
 
Borrower Payment Dependent Notes Series 435687
This series of Notes was issued and sold upon the funding of the borrower loan #39869, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5% Auction start date:  Nov-30-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 25.67% Starting borrower rate/APR: 26.67% / 29.00% Starting monthly payment: $487.78
Final lender yield: 22.60% Final borrower rate/APR: 23.60% / 25.89% Final monthly payment: $468.28
 
Auction yield range: 8.20% - 25.67% Estimated loss impact: 9.03%  
Lender servicing fee: 1.00% Estimated return: 13.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Oct-1990 Debt/Income ratio: 12%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:5y 7m
Amount delinquent: $0 Revolving credit balance: $17,005 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: astute-benefit Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my dog's vet bills
Purpose of loan:
This loan will be used to?to pay off my 2-year old dog's vet bills. I adopted her a year ago and she had numerous health issues. She's doing great now, but I'm now in more debt than I would usually take on.

My financial situation: Is very stable! I have a mortgage, have been working at the same job for more than 5 years and pay all my bills on time. Lately, it has been tough to keep up with all my varying credit card debt (I keep trying to negotiate lower aprs!), and I would like to consolidate my debt.
I am a good candidate for this loan because?I am a financially responsible citizen who just loves my dog and wants the best for her! I've also gotten smart and now have pet insurance, so this probably won't happen again. Just seeing her jump around and play has been worth every moment of anxiety for me, but now I'm ready to really pay my debts off.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Northsider$25.00$25.0011/30/2009 9:30:53 AM
epic-deal$25.00$25.0011/30/2009 9:31:09 AM
Entejaeger$25.00$25.0011/30/2009 9:31:15 AM
able2help$25.00$25.0011/30/2009 9:31:21 AM
scottr$25.00$25.0011/30/2009 9:32:24 AM
dparkhom$25.00$25.0011/30/2009 9:35:39 AM
TennSquire$25.00$25.0011/30/2009 9:30:28 AM
loner001$25.00$25.0011/30/2009 9:30:47 AM
helpful-listing$50.00$50.0011/30/2009 9:31:45 AM
DSK_Financials$50.00$50.0011/30/2009 9:39:03 AM
kginatl$25.00$25.0011/30/2009 9:42:55 AM
KiwiElf$25.00$25.0011/30/2009 9:38:11 AM
treasure-bliss$100.00$100.0011/30/2009 9:38:45 AM
wildguy$25.00$25.0011/30/2009 9:44:48 AM
ImaPutz$25.00$25.0011/30/2009 9:44:19 AM
AF-Chief$25.00$25.0011/30/2009 9:48:30 AM
charming-point$100.00$100.0011/30/2009 9:47:57 AM
skuba$25.00$25.0011/30/2009 9:49:06 AM
wise-spirited-nickel$50.00$50.0011/30/2009 9:49:19 AM
portfolio-zone801$25.00$25.0011/30/2009 9:43:27 AM
booksleuth$50.00$50.0011/30/2009 9:48:57 AM
salala$25.00$25.0011/30/2009 9:51:54 AM
money2k$25.00$25.0011/30/2009 9:52:08 AM
hard-working-loot$25.00$25.0011/30/2009 9:49:29 AM
yeti888$25.00$25.0011/30/2009 9:50:54 AM
Diamond_Jim$25.00$25.0011/30/2009 9:54:28 AM
tallmon$25.00$25.0011/30/2009 9:54:44 AM
DadWarbucks$25.00$25.0011/30/2009 9:53:01 AM
value-pole$25.00$25.0011/30/2009 9:57:13 AM
E_G$30.00$30.0011/30/2009 9:55:21 AM
Lightlife$50.00$50.0011/30/2009 9:57:23 AM
gold-sushi$25.00$25.0011/30/2009 9:56:15 AM
Artist_Blue$25.00$25.0011/30/2009 9:56:23 AM
CarDealer3070$25.00$25.0011/30/2009 9:58:29 AM
miked8303$25.00$25.0011/30/2009 9:56:47 AM
SNH$50.00$50.0011/30/2009 9:59:26 AM
WalnutCreekguy$33.00$33.0011/30/2009 10:01:23 AM
bonus-buddy2$35.00$35.0011/30/2009 9:59:52 AM
credit-kahuna$100.00$100.0011/30/2009 9:57:43 AM
personal-lender$25.00$25.0011/30/2009 9:59:11 AM
hitsman$50.00$50.0011/30/2009 10:03:41 AM
jeg3k$25.00$25.0011/30/2009 10:01:51 AM
Clambake$50.00$50.0011/30/2009 10:00:05 AM
benefit-squirrel$30.00$30.0011/30/2009 10:03:07 AM
wiltonbound$25.00$25.0011/30/2009 10:03:25 AM
DosPassos$25.00$25.0011/30/2009 10:06:37 AM
vkorichkov$30.00$30.0011/30/2009 10:07:01 AM
dignified-finance$25.00$25.0011/30/2009 10:04:01 AM
Vreet$25.00$25.0011/30/2009 10:07:46 AM
MoneyU4IA$25.00$25.0011/30/2009 10:04:13 AM
exact-justice$25.00$25.0011/30/2009 10:03:01 AM
ryelk$25.00$25.0011/30/2009 10:04:39 AM
andyb9$25.00$25.0011/30/2009 10:03:14 AM
hyetech$35.00$35.0011/30/2009 10:04:59 AM
HAVEANICEDAY$25.00$25.0011/30/2009 10:09:28 AM
silver-armada$100.00$100.0011/30/2009 10:05:14 AM
copper$30.00$30.0011/30/2009 10:09:39 AM
harperpotok$100.00$100.0011/30/2009 10:04:23 AM
wise-cash-keeper$25.00$25.0011/30/2009 10:05:59 AM
wise-agile-investment$25.00$25.0011/30/2009 10:10:20 AM
meteoric-asset4$25.00$25.0011/30/2009 10:10:24 AM
tsquared_030$25.00$25.0011/30/2009 10:06:12 AM
steady-gain5$25.00$25.0011/30/2009 10:05:07 AM
penny-surgeon$25.00$25.0011/30/2009 10:11:00 AM
mamayama$25.00$25.0011/30/2009 10:06:52 AM
murlirao2002$25.00$25.0011/30/2009 10:06:21 AM
Speculator$25.00$25.0011/30/2009 10:06:28 AM
impeccable-transparency$50.00$50.0011/30/2009 10:12:13 AM
ljay$25.00$25.0011/30/2009 10:07:14 AM
GOPHERBOY$60.00$60.0011/30/2009 10:13:05 AM
djindepth$50.00$50.0011/30/2009 10:07:28 AM
euro-mirth$25.00$25.0011/30/2009 10:13:32 AM
gethsemane4$25.00$25.0011/30/2009 10:07:37 AM
accordion8$50.00$50.0011/30/2009 10:14:40 AM
BlindJoeDeath$25.00$25.0011/30/2009 10:14:47 AM
trustu$25.00$25.0011/30/2009 10:10:05 AM
tom48l$25.00$25.0011/30/2009 10:10:12 AM
bigdogsafety1$25.00$25.0011/30/2009 10:10:29 AM
forthright-dedication$50.00$50.0011/30/2009 10:10:36 AM
LEWK25$25.00$25.0011/30/2009 10:10:56 AM
Weaverville$25.00$25.0011/30/2009 10:17:06 AM
roto$25.00$2.7311/30/2009 10:17:12 AM
pleasant-basis$25.00$25.0011/30/2009 10:11:09 AM
cash-vault$25.00$25.0011/30/2009 10:11:17 AM
sidney102$50.00$50.0011/30/2009 10:11:31 AM
caseattle$25.00$25.0011/30/2009 10:19:09 AM
bluprntguy$25.00$25.0011/30/2009 10:13:28 AM
duty-monger$50.00$50.0011/30/2009 10:13:44 AM
SnE$25.00$25.0011/30/2009 10:14:04 AM
orange-preeminant-bill$100.00$100.0011/30/2009 10:15:09 AM
the-bright-velocity$50.00$50.0011/30/2009 10:16:21 AM
jhouman$25.00$25.0011/30/2009 10:56:45 AM
impressive-loan$86.49$86.4911/30/2009 11:03:57 AM
money-prophesy$150.00$150.0011/30/2009 11:14:56 AM
economy-synapse$25.00$25.0011/30/2009 11:17:09 AM
building_community$25.00$25.0011/30/2009 12:09:07 PM
reflective-rupee$50.00$50.0011/30/2009 1:41:17 PM
reflective-rupee$25.00$25.0011/30/2009 12:59:08 PM
felicity-daydream$50.00$50.0011/30/2009 2:37:26 PM
Bank_Of_XL$100.00$100.0011/30/2009 3:46:02 PM
outofoffice$50.00$50.0011/30/2009 4:26:29 PM
reflective-rupee$25.00$25.0011/30/2009 4:13:47 PM
interstellar$50.00$50.0011/30/2009 5:01:57 PM
perchedeagle$25.00$25.0012/1/2009 4:47:52 PM
tnjohnso$25.00$25.0012/1/2009 4:39:04 PM
JSCharter$75.00$75.0012/2/2009 10:34:15 AM
mercuriant$25.00$25.0012/2/2009 12:28:13 PM
wwwUniversal$25.00$25.0012/2/2009 1:29:46 PM
aultraman$25.00$25.0012/2/2009 1:57:37 PM
GOPHERBOY$100.00$100.0012/2/2009 5:35:23 PM
bettndon$50.00$50.0012/3/2009 5:09:04 AM
wadkuzma$25.00$25.0012/3/2009 10:19:46 AM
coin-investor$25.00$25.0012/3/2009 12:36:46 PM
funtwosay$25.00$25.0012/3/2009 2:26:24 PM
nickel-pipeline$65.00$65.0012/3/2009 4:16:29 PM
new-peso-concerto$100.00$100.0012/4/2009 12:19:28 PM
unger$100.00$100.0012/4/2009 12:32:59 PM
momentous-transaction8$100.00$100.0012/4/2009 8:28:00 PM
wealth-comet694$25.00$25.0012/5/2009 7:26:09 AM
freedom3$500.00$500.0012/5/2009 8:41:02 AM
orange-pound-party$50.00$50.0012/5/2009 10:09:45 AM
BankofRon$25.00$25.0012/5/2009 12:40:53 PM
loss-of-control$25.00$25.0012/5/2009 11:45:04 AM
silverloan$28.68$28.6812/5/2009 2:17:44 PM
methodical-loot$25.00$25.0012/6/2009 12:03:53 AM
silver-boots$25.00$25.0012/6/2009 12:37:43 AM
sharp-credit$542.85$542.8512/6/2009 8:08:32 AM
buffalobills$25.00$25.0012/6/2009 11:24:59 AM
ChrisKwan$25.00$25.0012/6/2009 1:22:42 PM
buffalobills$25.00$25.0012/6/2009 11:23:26 AM
wise-agile-investment$25.00$25.0012/6/2009 12:54:14 PM
leverage-monger$100.00$100.0012/6/2009 5:12:44 PM
the-bright-velocity$300.00$300.0012/7/2009 7:02:52 AM
the-bright-velocity$300.00$300.0012/7/2009 7:03:58 AM
Kyileo$25.00$25.0012/7/2009 9:01:28 AM
friendinmoney$50.00$50.0012/7/2009 9:22:46 AM
Bob450$25.00$25.0012/7/2009 8:17:48 AM
exciting-fairness$200.00$200.0012/7/2009 8:42:33 AM
revenue-appraiser$25.00$25.0012/7/2009 9:12:32 AM
revenue-appraiser$30.84$30.8412/7/2009 9:23:28 AM
graphite$25.00$25.0011/30/2009 9:30:31 AM
creative-gold$25.00$25.0011/30/2009 9:32:36 AM
currency-prometheus$25.00$25.0011/30/2009 9:33:09 AM
JoesSon$25.00$25.0011/30/2009 9:32:12 AM
blooming-dedication$50.00$50.0011/30/2009 9:31:36 AM
ferocious-exchange3$25.00$25.0011/30/2009 9:37:17 AM
witty-principal$25.00$25.0011/30/2009 9:32:43 AM
Tahoeguy$25.00$25.0011/30/2009 9:32:46 AM
revenue-serenity$25.00$25.0011/30/2009 9:38:27 AM
littlemonkey$25.00$25.0011/30/2009 9:34:13 AM
calm-deal7$25.00$25.0011/30/2009 9:38:34 AM
peso-colonel$25.00$25.0011/30/2009 9:38:54 AM
desertoasis$25.00$25.0011/30/2009 9:46:29 AM
the-money-gargantuan$25.00$25.0011/30/2009 9:45:01 AM
five-star-justice$36.00$36.0011/30/2009 9:46:24 AM
Maccs55$25.00$25.0011/30/2009 9:47:19 AM
fortytwo$50.00$50.0011/30/2009 9:46:46 AM
smart-return$25.00$25.0011/30/2009 9:47:37 AM
crazycool$25.00$25.0011/30/2009 9:48:41 AM
chlebie$50.00$50.0011/30/2009 9:49:44 AM
the-profit-oracle$25.00$25.0011/30/2009 9:50:05 AM
lagnisiruk$25.00$25.0011/30/2009 9:47:05 AM
CAGE-Investments$50.00$50.0011/30/2009 9:53:47 AM
efficient-bid2$50.00$50.0011/30/2009 9:51:04 AM
sharkm$25.00$25.0011/30/2009 9:55:11 AM
burgeoning-silver$25.00$25.0011/30/2009 9:55:30 AM
tremendous-payment$25.00$25.0011/30/2009 9:55:48 AM
lloyd_s$25.00$25.0011/30/2009 9:56:06 AM
biobulator$25.00$25.0011/30/2009 9:56:38 AM
wise-extraordinary-loot$30.00$30.0011/30/2009 9:58:37 AM
Havana21$50.00$50.0011/30/2009 9:58:45 AM
czar3$30.00$30.0011/30/2009 9:58:59 AM
justice-dna$25.00$25.0011/30/2009 9:57:53 AM
yield-lion$25.00$25.0011/30/2009 10:00:22 AM
mikrolown$25.00$25.0011/30/2009 9:56:58 AM
chicco$80.00$80.0011/30/2009 10:01:43 AM
rmachi$25.00$25.0011/30/2009 9:57:31 AM
payout-achievement$40.00$40.0011/30/2009 9:58:05 AM
RetiredATC$25.00$25.0011/30/2009 10:00:43 AM
EnigmaNYC-29$25.00$25.0011/30/2009 9:58:17 AM
Cai8899$40.00$40.0011/30/2009 10:00:54 AM
bchen78875$25.00$25.0011/30/2009 10:01:10 AM
rolandweary$40.00$40.0011/30/2009 9:59:35 AM
museic1$50.00$50.0011/30/2009 9:59:44 AM
agwosdof$50.00$50.0011/30/2009 10:03:35 AM
youqianderen$50.00$50.0011/30/2009 10:02:04 AM
xstreamin$25.00$25.0011/30/2009 10:02:17 AM
ThomasCrown$30.00$30.0011/30/2009 10:02:27 AM
Dutchhunter$25.00$25.0011/30/2009 10:02:40 AM
crenen139$25.00$25.0011/30/2009 10:07:55 AM
wayman$50.00$50.0011/30/2009 10:02:53 AM
steves73$25.00$25.0011/30/2009 10:08:12 AM
Macinvest$25.00$25.0011/30/2009 10:08:24 AM
Dubbs360$50.00$50.0011/30/2009 10:08:42 AM
shrewd-deal$25.00$25.0011/30/2009 10:03:48 AM
anton$25.00$25.0011/30/2009 10:05:26 AM
Hogpilot$25.00$25.0011/30/2009 10:09:48 AM
cognizant-wealth$25.00$25.0011/30/2009 10:05:37 AM
syounker$25.00$25.0011/30/2009 10:04:31 AM
digitalrinaldo$25.00$25.0011/30/2009 10:05:46 AM
ekn_enterprises$25.00$25.0011/30/2009 10:04:46 AM
doublediamond$25.00$25.0011/30/2009 10:11:24 AM
Comoparklender$25.00$25.0011/30/2009 10:11:41 AM
KVEER$25.00$25.0011/30/2009 10:07:25 AM
JohnW12$25.00$25.0011/30/2009 10:09:06 AM
CrossCreek$25.00$25.0011/30/2009 10:13:56 AM
Steveoo1$25.00$25.0011/30/2009 10:09:21 AM
ryan23$25.00$25.0011/30/2009 10:08:31 AM
useful-p2ploan$50.00$50.0011/30/2009 10:14:54 AM
Cheburashka$25.00$25.0011/30/2009 10:08:55 AM
JohnGalt94$25.00$25.0011/30/2009 10:15:55 AM
angelinvestor01$25.00$25.0011/30/2009 10:10:01 AM
bradny$25.00$25.0011/30/2009 10:16:02 AM
galtsgulch$25.00$25.0011/30/2009 10:16:26 AM
mpactlender$25.00$25.0011/30/2009 10:10:44 AM
3am-preacher$25.00$25.0011/30/2009 10:12:06 AM
burrito6$25.00$25.0011/30/2009 10:11:57 AM
elevated-platinum5$25.00$25.0011/30/2009 10:12:20 AM
Gabriel02$25.00$25.0011/30/2009 10:12:57 AM
Skiph$25.00$25.0011/30/2009 10:13:13 AM
topher515$25.00$25.0011/30/2009 10:14:15 AM
checkuto$25.00$25.0011/30/2009 10:14:22 AM
TheoProf$25.00$25.0011/30/2009 10:14:32 AM
financial-frenzy$50.00$50.0011/30/2009 10:15:50 AM
hope-eagle6$25.00$25.0011/30/2009 10:16:11 AM
brazilofmux$100.00$100.0011/30/2009 10:16:50 AM
investor_101$25.00$25.0011/30/2009 10:42:04 AM
robot777$40.00$40.0011/30/2009 10:48:39 AM
sociallender$25.00$25.0011/30/2009 10:55:42 AM
SFBank$200.00$200.0011/30/2009 11:11:50 AM
Tai$25.00$25.0011/30/2009 11:35:28 AM
reflective-rupee$25.00$25.0011/30/2009 12:59:14 PM
reflective-rupee$25.00$25.0011/30/2009 3:37:14 PM
professional-finance$25.00$25.0011/30/2009 3:21:47 PM
RedCentre$89.41$89.4111/30/2009 4:19:18 PM
stuy1998$30.00$30.0011/30/2009 5:13:20 PM
3613925$25.00$25.0011/30/2009 9:10:58 PM
twjh$25.00$25.0012/1/2009 6:06:56 AM
cvlender$25.00$25.0012/1/2009 8:19:08 AM
a-progressive-note$25.00$25.0012/1/2009 10:03:21 AM
theonezozo$25.00$25.0012/1/2009 10:49:28 AM
Sol_Invictus$25.00$25.0012/2/2009 6:57:09 AM
reliant$25.00$25.0012/2/2009 7:26:18 AM
Dap2005$100.00$100.0012/2/2009 2:01:14 PM
peaceful-cash5$25.00$25.0012/2/2009 3:01:34 PM
principal-laser$100.00$100.0012/2/2009 3:12:56 PM
Syzygy$25.00$25.0012/2/2009 4:10:03 PM
nilonc1$25.00$25.0012/2/2009 4:23:24 PM
SolarMoonshine$200.00$200.0012/2/2009 6:46:19 PM
PropertyInvest$25.00$25.0012/2/2009 5:35:48 PM
generous-deal6$25.00$25.0012/3/2009 12:11:36 AM
melodious-fairness$25.00$25.0012/3/2009 11:18:13 AM
cold1$25.00$25.0012/3/2009 2:32:50 PM
dartmouth99$25.00$25.0012/3/2009 2:52:36 PM
helping-out$40.00$40.0012/3/2009 9:00:16 PM
Dollars4Rent$25.00$25.0012/4/2009 8:34:55 AM
leverage-monger$50.00$50.0012/4/2009 10:48:30 AM
Feyenoord$25.00$25.0012/4/2009 5:04:37 PM
EODLEGS$25.00$25.0012/4/2009 5:49:06 PM
Jane3721$50.00$50.0012/5/2009 6:19:34 AM
Lend2006$25.00$25.0012/5/2009 7:48:02 AM
leverage-monger$50.00$50.0012/5/2009 9:01:37 AM
ratzlefrss$50.00$50.0012/5/2009 11:13:16 AM
Jane3721$50.00$50.0012/6/2009 6:38:32 AM
leverage-monger$50.00$50.0012/6/2009 10:11:11 AM
foothillender$25.00$25.0012/6/2009 9:08:39 AM
the-extraordinary-return$50.00$50.0012/6/2009 5:28:48 PM
economy-popcorn$25.00$25.0012/6/2009 7:40:09 PM
Bob450$25.00$25.0012/6/2009 8:07:16 PM
TakeCare$200.00$200.0012/6/2009 8:56:46 PM
honorable-yield$35.00$35.0012/6/2009 8:55:56 PM
serene-capital$25.00$25.0012/7/2009 3:43:38 AM
ronin4sale$25.00$25.0012/7/2009 7:12:38 AM
Share-the-wealth$100.00$100.0012/7/2009 7:18:45 AM
Skeptical-one$50.00$50.0012/7/2009 8:09:06 AM
goodhearted-basis4$25.00$25.0012/7/2009 9:20:53 AM
276 bids
 
Borrower Payment Dependent Notes Series 435933
This series of Notes was issued and sold upon the funding of the borrower loan #39939, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,275.00 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: 15.08% Starting borrower rate/APR: 16.08% / 18.95% Starting monthly payment: $44.88
Final lender yield: 8.23% Final borrower rate/APR: 9.23% / 11.99% Final monthly payment: $40.68
 
Auction yield range: 4.20% - 15.08% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-2004 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 20Length of status:0y 6m
Amount delinquent: $1,813 Revolving credit balance: $1,137 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 17%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: CAdaninNV 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
700+ score... INVEST HERE!
Purpose of loan:
I will be paying off some old debts including credit cards.

My financial situation:
I have a stable job with a great company.??

Please take notice that my average credit score is 718. The only thing on my credit?report?that is a negetive mark is?1,800 in medical bills from almost 5 years ago that should have been paid by my old medical insurance company. But you?will see from my numbers above?that I am a very responsible borrower.

Monthly net income: $3425

Monthly expenses: $2515
??Housing: $700
??Insurance: $90
??Car expenses: $ 650
??Utilities: $125?
??Phone, cable, internet: $75
??Food, entertainment: $ 400
??Clothing, household expenses $150
??Credit cards and other loans: $75
??Other expenses: $250


If you have any questions at all please feel free to ask me anything and I will gladly reply in record time!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
HealthAndSafety$50.00$50.0012/5/2009 4:34:06 PM
mclean_loaner$50.00$50.0012/6/2009 11:44:38 AM
fatboy888$25.00$25.0012/7/2009 7:01:52 AM
amor1962$25.00$25.0012/7/2009 9:58:25 AM
OKPapa$40.03$40.0312/7/2009 11:29:25 AM
rmachi$25.00$25.0012/7/2009 10:41:30 AM
icon7$25.00$25.0012/7/2009 12:18:38 PM
kanyonkat$25.00$25.0012/7/2009 12:25:52 PM
SC98007$25.00$25.0012/7/2009 1:05:25 PM
wild-orange$25.00$25.0012/7/2009 1:04:36 PM
skaught$30.00$30.0012/7/2009 2:12:25 PM
interloode$100.00$100.0012/7/2009 2:13:02 PM
leverage-monger$300.00$269.3012/7/2009 2:20:43 PM
elegant-bonus$25.00$25.0012/7/2009 2:24:34 PM
IcedMochaFund$25.00$25.0012/1/2009 11:02:15 AM
blue-receptive-affluence$25.00$25.0012/1/2009 5:39:03 PM
bazaar-nirvana$50.00$50.0012/2/2009 10:12:18 PM
oldman68$25.00$25.0012/4/2009 11:49:30 PM
basejump0$25.00$25.0012/5/2009 7:52:30 AM
brightest-economy-tsunami$25.00$25.0012/7/2009 8:04:36 AM
eastindianprince$25.00$25.0012/7/2009 9:19:01 AM
Bidwinner08$30.67$30.6712/7/2009 9:38:20 AM
jybank$50.00$50.0012/7/2009 10:25:24 AM
generous-deal6$25.00$25.0012/7/2009 11:23:30 AM
soular21804$25.00$25.0012/7/2009 1:03:02 PM
BankofBeth$25.00$25.0012/7/2009 1:18:54 PM
kf88$30.00$30.0012/7/2009 1:20:59 PM
leverage-monger$25.00$25.0012/7/2009 2:13:01 PM
repayment-radio$100.00$100.0012/7/2009 2:13:07 PM
Engineer44$25.00$25.0012/7/2009 2:24:13 PM
30 bids
 
Borrower Payment Dependent Notes Series 435949
This series of Notes was issued and sold upon the funding of the borrower loan #39942, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,000.00 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: 10.94% Starting borrower rate/APR: 11.94% / 14.07% Starting monthly payment: $365.04
Final lender yield: 10.40% Final borrower rate/APR: 11.40% / 13.52% Final monthly payment: $362.21
 
Auction yield range: 4.20% - 10.94% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-1985 Debt/Income ratio: 21%
Credit score: 780-799 (Nov-2009) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:12y 0m
Amount delinquent: $0 Revolving credit balance: $16,687 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pound-nexus Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? paying off my Home Depot credit card, current interest rate of debt 25.99% and paying off a Wells Fargo car loan current interest rate 15.99%.

My financial situation:
I am a good candidate for this loan because? I am a responsible party that pays all of my debt on time every month.? But since the interest rate for these two credit cards/loan are so high the interest rate keeps accumulating and is hard to pay them off.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please provide your take home pay and list of all monthly expenses. Thanks. - exciting-fairness
A: Take home pay $3,332. Plus additional income (Child Support $1,000.00 a month), plus rental income $1,300.00 a month. Total monthly income of $5,632.00. Expenses - Mortgage $954.00 (Chase), Equity Line $300.00 Wachovia Bank, Credit Card Wachovia Bank $265.00, SBA Loan $165.00, Electricity $300.00, Water $100.00, Cable $125.00, Groceries $500.00 a month. If you need any additional information, please advise. Thanks! (Dec-01-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sophisticated-ore$47.81$47.8111/30/2009 9:34:25 AM
LAM26$25.00$25.0011/30/2009 9:34:39 AM
shoedds$25.00$25.0011/30/2009 9:34:45 AM
Wangersinc$25.00$25.0011/30/2009 9:35:45 AM
golden-yield$25.00$25.0011/30/2009 9:36:01 AM
lucrative-durability$50.00$50.0011/30/2009 9:36:25 AM
djh47a$30.00$30.0011/30/2009 9:36:09 AM
gnar$25.00$25.0011/30/2009 9:36:56 AM
best-decisive-peace$25.00$25.0011/30/2009 9:37:54 AM
Interstate_Rate$500.00$500.0011/30/2009 9:37:46 AM
ramblin$25.00$25.0011/30/2009 9:37:58 AM
treasure-bliss$100.00$100.0011/30/2009 9:38:40 AM
DSK_Financials$50.00$50.0011/30/2009 9:39:00 AM
basis-mammal$26.93$26.9311/30/2009 9:39:24 AM
peso-colonel$25.00$25.0011/30/2009 9:38:49 AM
visionary-nickel2$25.00$25.0011/30/2009 9:39:27 AM
monstersdad$50.00$50.0011/30/2009 9:34:48 AM
adorable-bonus$25.00$25.0011/30/2009 9:39:38 AM
Dcoy$25.00$25.0011/30/2009 9:39:57 AM
wise-reasonable-bid$25.00$25.0011/30/2009 9:39:29 AM
consummate-p2p3$25.00$25.0011/30/2009 9:39:34 AM
blooming-dedication$25.00$25.0011/30/2009 9:39:37 AM
taylor883$25.00$25.0011/30/2009 9:39:43 AM
Floridian71$25.00$25.0011/30/2009 9:35:57 AM
emphatic-credit8$25.00$25.0011/30/2009 9:39:52 AM
wise-cash-keeper$25.00$25.0011/30/2009 9:36:07 AM
icecoldcash$62.09$62.0911/30/2009 9:36:22 AM
oneeighty$25.00$25.0011/30/2009 9:42:29 AM
icontender$25.00$25.0011/30/2009 9:38:01 AM
rovo$25.00$25.0011/30/2009 9:42:42 AM
lounges$25.00$25.0011/30/2009 9:43:32 AM
ImaPutz$25.00$25.0011/30/2009 9:44:12 AM
portfolio-zone801$25.00$25.0011/30/2009 9:43:22 AM
funds-shaker8$25.00$25.0011/30/2009 9:44:09 AM
SDNLR$25.00$25.0011/30/2009 9:45:34 AM
RJTintheBK$25.00$25.0011/30/2009 9:39:21 AM
InvestorPartners$25.00$25.0011/30/2009 9:45:50 AM
cash-tsunami$25.00$25.0011/30/2009 9:44:31 AM
fortress767$25.00$25.0011/30/2009 9:39:33 AM
sst36$25.00$25.0011/30/2009 9:39:40 AM
dcmjoon$25.00$25.0011/30/2009 9:39:46 AM
DrRKkids$25.00$25.0011/30/2009 9:40:04 AM
community-accelerator$25.00$25.0011/30/2009 9:40:56 AM
KnightKSU$25.00$25.0011/30/2009 9:47:45 AM
crazycool$25.00$25.0011/30/2009 9:48:47 AM
dly2007$25.00$25.0011/30/2009 9:47:46 AM
F16Pilot$25.00$25.0011/30/2009 9:42:59 AM
hard-working-loot$25.00$25.0011/30/2009 9:49:25 AM
loanfairy$25.00$25.0011/30/2009 9:44:01 AM
LR_Biker$25.00$25.0011/30/2009 9:45:57 AM
bnewy605$25.00$25.0011/30/2009 9:50:34 AM
JonyWinter$47.64$47.6411/30/2009 9:49:50 AM
the-profit-oracle$25.00$25.0011/30/2009 9:50:08 AM
Maccs55$25.00$25.0011/30/2009 9:47:23 AM
ThompsonCapital$25.00$25.0011/30/2009 9:51:31 AM
tmillerosu$25.00$25.0011/30/2009 9:47:26 AM
jgalt$25.00$25.0011/30/2009 9:51:45 AM
adorable-p2ploan$25.00$25.0011/30/2009 9:50:48 AM
salala$25.00$25.0011/30/2009 9:51:57 AM
AF-Chief$25.00$25.0011/30/2009 9:48:27 AM
gold-disk$50.00$50.0011/30/2009 9:52:49 AM
booksleuth$50.00$50.0011/30/2009 9:48:49 AM
social-gatherer7$25.00$25.0011/30/2009 9:51:47 AM
fun2invest$25.00$25.0011/30/2009 9:53:07 AM
amint17$25.00$25.0011/30/2009 9:53:16 AM
chief_wo$25.00$25.0011/30/2009 9:52:00 AM
wise-spirited-nickel$50.00$50.0011/30/2009 9:49:13 AM
capital-duckling$25.00$25.0011/30/2009 9:52:22 AM
Sefotonga$25.00$25.0011/30/2009 9:49:34 AM
CAGE-Investments$50.00$50.0011/30/2009 9:53:42 AM
desertoasis$25.00$25.0011/30/2009 9:49:38 AM
a-responsible-return$25.00$25.0011/30/2009 9:54:06 AM
chlebie$50.00$50.0011/30/2009 9:49:48 AM
Int_PrinRateTime4000$40.00$40.0011/30/2009 9:49:52 AM
reflective-rupee$25.00$25.0011/30/2009 9:53:28 AM
leodaguy$25.00$25.0011/30/2009 9:54:57 AM
ljay$25.00$25.0011/30/2009 9:50:23 AM
efficient-bid2$50.00$50.0011/30/2009 9:50:58 AM
Gibbyland$75.00$75.0011/30/2009 9:51:58 AM
newbietony$30.00$30.0011/30/2009 9:55:02 AM
miked8303$25.00$25.0011/30/2009 9:56:43 AM
SkiFastBadly$25.00$25.0011/30/2009 9:53:13 AM
mikrolown$25.00$25.0011/30/2009 9:56:53 AM
get30inc$25.00$25.0011/30/2009 9:53:38 AM
value-pole$25.00$25.0011/30/2009 9:57:09 AM
rmachi$25.00$25.0011/30/2009 9:57:37 AM
iolaire$25.00$25.0011/30/2009 9:54:15 AM
Artist_Blue$25.00$25.0011/30/2009 9:56:28 AM
tallmon$25.00$25.0011/30/2009 9:54:40 AM
Lightlife$50.00$50.0011/30/2009 9:57:18 AM
EnigmaNYC-29$25.00$25.0011/30/2009 9:58:11 AM
biobulator$25.00$25.0011/30/2009 9:56:42 AM
currency-cigar4$25.00$25.0011/30/2009 9:57:07 AM
personal-lender$25.00$25.0011/30/2009 9:59:18 AM
museic1$50.00$50.0011/30/2009 9:59:40 AM
justice-dna$25.00$25.0011/30/2009 9:57:48 AM
Cai8899$40.00$21.0411/30/2009 10:00:57 AM
czar3$30.00$30.0011/30/2009 9:58:54 AM
yield-lion$25.00$25.0011/30/2009 10:00:28 AM
five-star-justice$36.00$36.0011/30/2009 10:24:24 AM
CallMeBen$25.00$25.0011/30/2009 10:42:40 AM
blot44$25.00$25.0011/30/2009 10:50:28 AM
minista$25.00$25.0011/30/2009 11:13:09 AM
Ven58$25.00$25.0011/30/2009 11:17:27 AM
Pickmar$25.00$25.0011/30/2009 12:17:04 PM
unk1911$25.00$25.0011/30/2009 11:55:04 AM
outofoffice$50.00$50.0011/30/2009 4:33:03 PM
orbiter614$50.00$50.0011/30/2009 4:59:11 PM
FundMaker$25.00$25.0011/30/2009 5:48:28 PM
GeoLender$50.00$50.0011/30/2009 9:09:28 PM
cloud8$33.85$33.8512/1/2009 10:11:19 AM
longisland47m$25.00$25.0012/1/2009 1:35:53 PM
generous-deal6$25.00$25.0012/3/2009 12:04:44 AM
Syzygy$25.00$25.0012/3/2009 3:23:42 PM
puifais$25.00$25.0012/3/2009 8:42:35 PM
QuinMccoy$25.00$25.0012/4/2009 4:57:23 AM
JeffHoll$100.00$100.0012/4/2009 7:09:21 AM
NycDean$25.00$25.0012/4/2009 7:38:31 AM
Hexnut$25.00$25.0012/4/2009 9:35:41 AM
Purple11$100.00$100.0012/4/2009 10:40:37 AM
head$25.00$25.0012/4/2009 12:12:17 PM
shamrocker$25.00$25.0012/4/2009 12:24:52 PM
red-favorable-basis$25.00$25.0012/4/2009 1:45:55 PM
dpjd$50.00$50.0012/4/2009 3:08:30 PM
spiff666$25.00$25.0012/4/2009 7:57:39 PM
oldman68$25.00$25.0012/4/2009 11:51:05 PM
JerryB96$25.00$25.0012/5/2009 8:31:08 AM
ml13$25.00$25.0012/5/2009 10:52:25 AM
charming-point$200.00$200.0012/5/2009 11:39:05 AM
Homeinvest$25.00$25.0012/5/2009 12:58:20 PM
Interloper$25.00$25.0012/5/2009 1:42:15 PM
first-sophisticated-rate$75.00$75.0012/5/2009 5:00:03 PM
the-debt-fluffy-bunny$25.00$25.0012/5/2009 11:17:48 PM
the-silver-blaster$70.00$70.0012/6/2009 11:22:34 AM
Charmart$25.00$25.0012/6/2009 3:30:39 PM
dmitriy2$25.00$25.0012/6/2009 5:10:34 PM
dontscrewmeover1$50.00$50.0012/6/2009 5:26:42 PM
ilikeboats$75.00$75.0012/6/2009 5:44:19 PM
visionary-currency$75.00$75.0012/6/2009 6:15:19 PM
icon7$25.00$25.0012/7/2009 7:37:27 AM
rate-hickory$25.00$25.0012/7/2009 8:08:45 AM
triumph329$25.00$25.0012/7/2009 5:37:58 AM
the-bright-velocity$300.00$300.0012/7/2009 6:57:57 AM
imdave4me$25.00$25.0012/7/2009 8:33:08 AM
MattProsper$25.00$25.0012/7/2009 9:18:23 AM
brightest-economy-tsunami$25.00$25.0012/7/2009 8:03:51 AM
chiemsee$25.00$25.0012/7/2009 8:32:57 AM
exciting-fairness$200.00$200.0012/7/2009 8:50:42 AM
Okinutah$25.00$25.0011/30/2009 9:36:00 AM
dparkhom$25.00$25.0011/30/2009 9:35:43 AM
happyskippy0208$25.00$25.0011/30/2009 9:35:54 AM
The_Donald$25.00$25.0011/30/2009 9:36:55 AM
108lender$113.31$113.3111/30/2009 9:37:56 AM
keeminn$25.00$25.0011/30/2009 9:37:59 AM
calm-deal7$25.00$25.0011/30/2009 9:38:29 AM
revenue-serenity$25.00$25.0011/30/2009 9:38:21 AM
glowing-transparency$25.00$25.0011/30/2009 9:39:23 AM
first-class-note0$25.00$25.0011/30/2009 9:39:26 AM
ctgscott$25.00$25.0011/30/2009 9:34:44 AM
abeprof70$25.00$25.0011/30/2009 9:39:28 AM
meteoric-deal028$25.00$25.0011/30/2009 9:39:30 AM
Jazz215$25.00$25.0011/30/2009 9:40:45 AM
Zagit$25.00$25.0011/30/2009 9:39:36 AM
jumprun4112$50.00$50.0011/30/2009 9:39:41 AM
top-economy-den$25.00$25.0011/30/2009 9:39:50 AM
community-seahorse$25.00$25.0011/30/2009 9:40:27 AM
community-pipeline$25.00$25.0011/30/2009 9:40:38 AM
jammers$25.00$25.0011/30/2009 9:36:41 AM
responsibility-butterfly$25.00$25.0011/30/2009 9:41:25 AM
lean-benefit$25.00$25.0011/30/2009 9:42:37 AM
HeavyDriver03$25.00$25.0011/30/2009 9:37:44 AM
peripatetic$25.00$25.0011/30/2009 9:38:00 AM
likeable-value$25.00$25.0011/30/2009 9:42:36 AM
KiwiElf$25.00$25.0011/30/2009 9:38:17 AM
Minotaur$36.00$36.0011/30/2009 9:38:39 AM
redhnd$25.00$25.0011/30/2009 9:39:32 AM
onlyastepaway$25.00$25.0011/30/2009 9:44:33 AM
useful-currency$25.00$25.0011/30/2009 9:39:39 AM
five-star-responsibility0$25.00$25.0011/30/2009 9:44:38 AM
Jeep-Jeep$25.00$25.0011/30/2009 9:39:44 AM
return-confidant$25.00$25.0011/30/2009 9:39:48 AM
fairwealth$25.00$25.0011/30/2009 9:40:11 AM
red-relentless-money$50.00$50.0011/30/2009 9:46:08 AM
jpjones86$25.00$25.0011/30/2009 9:40:44 AM
forthright-trade$25.00$25.0011/30/2009 9:47:10 AM
gentle-principal4$25.00$25.0011/30/2009 9:42:38 AM
KailuaLender$25.00$25.0011/30/2009 9:47:48 AM
bonus-patriot$50.00$50.0011/30/2009 9:48:00 AM
Kerrysbay$25.00$25.0011/30/2009 9:50:10 AM
dinero-philosopher3$25.00$25.0011/30/2009 9:45:47 AM
value-microscope$25.00$25.0011/30/2009 9:46:03 AM
felipe65$25.00$25.0011/30/2009 9:50:36 AM
fopaul13$25.00$25.0011/30/2009 9:49:59 AM
jdl424$25.00$25.0011/30/2009 9:50:38 AM
elated-justice$25.00$25.0011/30/2009 9:47:25 AM
lodcomm$25.00$25.0011/30/2009 9:51:38 AM
ladyonthebay$25.00$25.0011/30/2009 9:51:44 AM
HarrisonHome$25.00$25.0011/30/2009 9:51:29 AM
WilliamLeeSims$25.00$25.0011/30/2009 9:51:46 AM
nowits10$25.00$25.0011/30/2009 9:51:49 AM
skuba$25.00$25.0011/30/2009 9:49:10 AM
Hondo$25.00$25.0011/30/2009 9:49:57 AM
vcbogan$100.00$100.0011/30/2009 9:53:26 AM
omniviper$25.00$25.0011/30/2009 9:53:31 AM
sharkm$25.00$25.0011/30/2009 9:55:08 AM
stanbalwight4$25.00$25.0011/30/2009 9:50:40 AM
transaction-axis$25.00$25.0011/30/2009 9:55:37 AM
tremendous-payment$25.00$25.0011/30/2009 9:55:42 AM
CASHGIRL$75.00$75.0011/30/2009 9:55:51 AM
ClearLake$25.00$25.0011/30/2009 9:52:26 AM
E_G$30.00$30.0011/30/2009 9:55:15 AM
mtquan$25.00$25.0011/30/2009 9:53:29 AM
Heatguy$75.00$75.0011/30/2009 9:57:04 AM
cash-boots$25.00$25.0011/30/2009 9:54:10 AM
Diamond_Jim$25.00$25.0011/30/2009 9:54:20 AM
lend_to_you$50.00$50.0011/30/2009 9:54:49 AM
wise-extraordinary-loot$30.00$30.0011/30/2009 9:58:33 AM
burgeoning-silver$25.00$25.0011/30/2009 9:55:27 AM
rolandweary$40.00$40.0011/30/2009 9:59:30 AM
lloyd_s$25.00$25.0011/30/2009 9:55:58 AM
payout-achievement$40.00$40.0011/30/2009 9:57:59 AM
bonus-buddy2$35.00$35.0011/30/2009 9:59:58 AM
swoosh$25.00$25.0011/30/2009 10:00:31 AM
credit-kahuna$100.00$100.0011/30/2009 9:57:38 AM
RetiredATC$25.00$25.0011/30/2009 10:00:40 AM
Havana21$50.00$50.0011/30/2009 9:58:41 AM
SNH$50.00$50.0011/30/2009 9:59:28 AM
Clambake$50.00$50.0011/30/2009 10:00:11 AM
money-prophesy$150.00$150.0011/30/2009 11:14:51 AM
neenerman$46.01$46.0111/30/2009 1:07:14 PM
availableloan$25.00$25.0011/30/2009 4:22:10 PM
piter-to-la-investment$25.00$25.0011/30/2009 4:39:49 PM
patriot384$100.00$100.0011/30/2009 4:52:35 PM
liederhaus$50.00$50.0011/30/2009 5:01:28 PM
income-fortress$200.00$200.0012/1/2009 4:41:25 AM
szetheli$144.00$144.0012/1/2009 10:00:58 AM
a-resplendent-commitment$25.00$25.0012/3/2009 8:32:38 PM
helping-out$40.00$40.0012/3/2009 9:00:28 PM
sjlender$25.00$25.0012/3/2009 9:47:32 PM
gold-commander0$50.00$50.0012/3/2009 10:39:23 PM
DHolly$25.00$25.0012/4/2009 8:25:56 AM
capital-amplifier$25.00$25.0012/4/2009 9:22:26 AM
divrekku$25.00$25.0012/4/2009 10:08:20 AM
Marathoner$25.00$25.0012/4/2009 9:36:19 AM
spsavage$25.00$25.0012/4/2009 10:23:44 AM
loyalist1$25.00$25.0012/4/2009 11:16:13 AM
GyJAV_BNCCo$40.00$40.0012/4/2009 10:38:19 AM
Doodlemeyer$25.00$25.0012/4/2009 11:24:24 AM
bold-yield-rumbler$25.00$25.0012/4/2009 12:21:07 PM
UBOtto186$25.00$25.0012/4/2009 2:43:42 PM
gracej$25.00$25.0012/4/2009 2:52:59 PM
elegant-bonus$25.00$25.0012/4/2009 4:15:46 PM
momentous-transaction8$100.00$100.0012/4/2009 8:29:36 PM
PocketAces$25.00$25.0012/5/2009 1:10:09 AM
interstellar$50.00$50.0012/5/2009 3:55:05 AM
greenback-visionary4$25.00$25.0012/5/2009 12:39:51 PM
alex189a$25.00$25.0012/5/2009 12:58:18 PM
bchang2001$25.00$25.0012/5/2009 12:58:23 PM
tisiphone$25.00$25.0012/5/2009 12:58:38 PM
inqbus$25.00$25.0012/5/2009 4:29:10 PM
fatson43$25.00$25.0012/5/2009 5:57:17 PM
fortytwo$100.00$100.0012/6/2009 4:12:21 AM
buffalobills$25.00$25.0012/6/2009 11:19:32 AM
Sixmil$25.00$25.0012/6/2009 11:50:07 AM
integrity-doctor$50.00$50.0012/6/2009 4:51:09 PM
esabzb$25.00$25.0012/6/2009 10:27:59 PM
velocity-winner$25.00$25.0012/6/2009 8:14:20 PM
TakeCare$100.00$100.0012/6/2009 9:39:12 PM
bitbucket$50.00$50.0012/6/2009 11:32:24 PM
flwah$25.00$25.0012/7/2009 1:47:28 AM
megich06$50.00$50.0012/7/2009 8:01:48 AM
bomdel$25.00$25.0012/7/2009 6:52:05 AM
Share-the-wealth$100.00$100.0012/7/2009 7:21:17 AM
gaileyb$25.00$25.0012/7/2009 8:06:07 AM
whitegold24k$400.00$400.0012/7/2009 8:40:13 AM
UncleSafety$80.32$80.3212/7/2009 9:24:14 AM
276 bids
 
Borrower Payment Dependent Notes Series 436145
This series of Notes was issued and sold upon the funding of the borrower loan #39854, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 21.64% Starting borrower rate/APR: 22.64% / 26.49% Starting monthly payment: $38.52
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 22.76% Final monthly payment: $36.66
 
Auction yield range: 8.20% - 21.64% Estimated loss impact: 6.92%  
Lender servicing fee: 1.00% Estimated return: 11.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-2001 Debt/Income ratio: 20%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $21,897 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 101%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: social-neutrino Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $?1000
??Insurance: $ 100
??Car expenses: $ 375
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, If your monthly net income is $4,000, and your listed monthly expenses only total $1,875, then what do you need a $1,000 loan for? Thanks - balance-chestnut
A: I need a loan to payoff a high interest credit card. (Dec-07-2009)
Q: Why not just use $1,000 of your monthly income? It appears as though you have $2,125 left over each month after expenses. If this is not the case, can you please shed a little more light on your expenses to make this loan more justifiable? - balance-chestnut
A: I have $2,125 left but l have been using it to payoff credit cards. I used my credit cards to take my certifications and paying for school. My gaol is to payoff all my very high interest credit cards. (Dec-08-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
dt_one$25.00$25.0012/2/2009 4:51:56 PM
randsenterprise$25.00$25.0012/2/2009 8:57:11 PM
SolarMoonshine$25.00$25.0012/3/2009 7:00:13 PM
DG2007$25.00$25.0012/4/2009 2:48:25 PM
vine99$40.00$40.0012/4/2009 4:12:30 PM
The_Birnetts$100.00$100.0012/7/2009 7:39:37 AM
FinanceEngine$25.00$25.0012/7/2009 10:52:39 AM
fatboy888$25.00$25.0012/7/2009 10:45:10 AM
wwwUniversal$25.00$25.0012/7/2009 11:57:16 AM
the-profit-oracle$25.00$25.0012/7/2009 5:09:28 PM
d34dfish$25.00$25.0012/8/2009 4:09:44 AM
spy0$25.00$25.0012/8/2009 7:36:45 AM
Leshan$50.00$50.0012/8/2009 8:53:25 AM
steady-dime$150.00$109.9412/8/2009 8:24:12 AM
loan_doctor$25.00$25.0012/1/2009 4:36:57 PM
IPG1$25.00$25.0012/1/2009 4:37:34 PM
Myrick$25.00$25.0012/2/2009 3:42:14 AM
Sol_Invictus$25.00$25.0012/2/2009 8:20:51 AM
kginatl$50.06$50.0612/2/2009 1:15:14 PM
hellasow$25.00$25.0012/3/2009 8:15:52 AM
kazanov$50.00$50.0012/5/2009 4:46:27 PM
juxtapose$25.00$25.0012/7/2009 9:49:10 AM
agile-loan0$25.00$25.0012/7/2009 12:44:44 PM
Syzygy$25.00$25.0012/7/2009 1:16:02 PM
Bob450$25.00$25.0012/7/2009 2:56:52 PM
Techne_Funds_LLC$25.00$25.0012/7/2009 4:02:39 PM
ValleyBHC$25.00$25.0012/7/2009 5:59:26 PM
whittlesey31$25.00$25.0012/7/2009 6:01:35 PM
nashibaksi$25.00$25.0012/7/2009 6:57:24 PM
orange-pound-party$25.00$25.0012/7/2009 9:15:58 PM
30 bids
 
Borrower Payment Dependent Notes Series 436187
This series of Notes was issued and sold upon the funding of the borrower loan #39927, 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:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
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: Jun-1997 Debt/Income ratio: 21%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:20y 8m
Amount delinquent: $0 Revolving credit balance: $710 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 71%Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: BRJ1 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
700-719 (May-2008)
 
Principal balance: $680.71 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Plumbing Repairs
Purpose of loan:
This loan will be used to??Repair some plumbing problems within the wall of our kitchen.

My financial situation:
I am a good candidate for this loan because?I have a good stable job that I have worked for over 20 years. I currently have another Prosper account that I have always been current and in good standing.?

Monthly net income: $ 3373.00

Monthly expenses: $ 2228.00
??Housing: $ 1880.00
??Insurance: $
??Car expenses: $ 40.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 154.00
??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
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.0012/2/2009 9:14:18 PM
currency-bumblebee$50.00$50.0012/8/2009 10:40:11 AM
brother_tam$200.00$200.0012/8/2009 5:04:44 PM
Laxa$25.00$25.0012/8/2009 5:46:34 PM
Kash2010lu$25.00$25.0012/8/2009 6:34:57 PM
Tono$25.00$25.0012/8/2009 6:03:23 PM
1traveler$25.00$25.0012/8/2009 11:41:14 PM
reflective-rupee$750.00$42.0012/9/2009 9:59:17 AM
Bob450$50.00$50.0012/9/2009 10:29:43 AM
fireferd$100.00$100.0012/9/2009 1:40:12 PM
dudebrah$25.00$25.0012/9/2009 2:11:50 PM
loss-of-control$25.00$25.0012/9/2009 2:54:44 PM
gabrielcharlie$30.00$30.0012/9/2009 2:38:49 PM
branaa99$25.00$25.0012/9/2009 3:00:17 PM
reflective-rupee$50.00$50.0012/9/2009 3:04:49 PM
SolarMoonshine$25.00$25.0012/4/2009 7:18:17 PM
unk1911$25.00$25.0012/7/2009 10:12:50 AM
transparency-burger$50.00$50.0012/8/2009 12:03:31 AM
SNH$50.00$50.0012/8/2009 4:12:12 PM
Tono$25.00$25.0012/8/2009 5:37:37 PM
Lubava$25.00$25.0012/8/2009 7:32:03 PM
skater$25.00$25.0012/8/2009 7:06:26 PM
himistu22$28.00$28.0012/8/2009 8:45:10 PM
reflective-rupee$25.00$25.0012/9/2009 11:04:35 AM
zone6$200.00$200.0012/9/2009 11:20:50 AM
RecoveryLender$25.00$25.0012/9/2009 12:28:57 PM
Peterman$25.00$25.0012/9/2009 12:45:50 PM
interloode$100.00$100.0012/9/2009 2:31:37 PM
reflective-rupee$25.00$25.0012/9/2009 3:03:36 PM
gold-cluster$100.00$100.0012/9/2009 3:02:50 PM
kinetic-social$25.00$25.0012/9/2009 3:54:32 PM
31 bids
 
Borrower Payment Dependent Notes Series 436225
This series of Notes was issued and sold upon the funding of the borrower loan #39866, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 27.99% Starting borrower rate/APR: 28.99% / 31.62% Starting monthly payment: $62.85
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 29.60% Final monthly payment: $61.24
 
Auction yield range: 8.20% - 27.99% Estimated loss impact: 8.62%  
Lender servicing fee: 1.00% Estimated return: 17.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: May-2007 Debt/Income ratio: 18%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 6 / 5Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $620 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 25%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: museum1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
help to pay off bills
Purpose of loan:
This loan will be used to pay off a couple of bills while attending school

My financial situation:
I am a good candidate for this loan because i work steady and go to school and i am very responsible

Monthly net income: $ 700

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain the public record shown in your credit profile. thanks - reflective-rupee
A: i got into trouble for something a few years ago and i owed restitution. i sent the check for it in 2 days before it was due and it arrived one day late. i have tryed fighting it because it basicly was paid on time, but it was never fixed (Dec-03-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
GlowHost$25.00$25.0012/1/2009 4:18:17 PM
investor_101$25.00$25.0012/1/2009 4:28:16 PM
bdruss$25.00$25.0012/1/2009 4:35:29 PM
the-profit-oracle$25.00$25.0012/1/2009 6:14:32 PM
rhin0cerx$32.83$32.8312/2/2009 12:27:12 PM
agile-loan0$25.00$25.0012/2/2009 4:29:19 PM
inforapenny$25.00$25.0012/3/2009 2:42:32 PM
mjosa$25.00$25.0012/3/2009 5:03:28 PM
Bank_Of_XL$25.00$25.0012/4/2009 10:35:31 AM
marwadi-62$50.00$50.0012/4/2009 3:11:47 PM
CincyTex$50.00$50.0012/5/2009 8:37:03 AM
SolarMoonshine$25.00$25.0012/5/2009 8:50:00 AM
tnjohnso$25.00$25.0012/5/2009 10:18:20 AM
cashhelp$25.00$25.0012/5/2009 10:22:00 PM
helping-out$50.00$50.0012/6/2009 5:42:46 PM
sorace$25.00$25.0012/7/2009 5:37:54 AM
twjh$25.00$25.0012/7/2009 6:50:18 AM
IPG1$25.00$25.0012/7/2009 10:34:39 AM
Syzygy$25.00$25.0012/7/2009 1:16:42 PM
stephen_c01$29.00$29.0012/7/2009 2:48:38 PM
efficient-principal$33.00$33.0012/7/2009 4:47:38 PM
forthright-dedication$25.00$25.0012/7/2009 5:49:52 PM
Virtuallending$50.00$50.0012/7/2009 7:17:19 PM
flyinhawaiian$50.00$50.0012/1/2009 4:27:52 PM
reflective-rupee$25.00$25.0012/1/2009 4:36:56 PM
Bob450$50.00$47.9712/1/2009 6:48:42 PM
foothillender$25.00$25.0012/2/2009 7:57:22 AM
tracyjo$25.00$25.0012/2/2009 11:32:14 AM
OSERENKUKU$25.00$25.0012/2/2009 12:12:17 PM
SeaSkyGuy71$25.00$25.0012/2/2009 10:17:28 PM
professional-finance$25.00$25.0012/3/2009 2:28:26 PM
silvercertificate$32.20$32.2012/3/2009 9:48:07 PM
impala6464$75.00$75.0012/3/2009 10:55:58 PM
vine99$50.00$50.0012/4/2009 4:19:33 PM
371millwood$200.00$200.0012/5/2009 12:11:45 PM
reflective-rupee$25.00$25.0012/6/2009 8:37:18 PM
smart-gain$25.00$25.0012/7/2009 8:14:21 AM
TNPCapital$25.00$25.0012/7/2009 10:01:40 AM
icon7$25.00$25.0012/7/2009 12:32:49 PM
atlantis6$50.00$50.0012/7/2009 3:55:55 PM
lender12345$25.00$25.0012/7/2009 5:38:30 PM
wealth-comet694$25.00$25.0012/7/2009 7:39:02 PM
42 bids
 
Borrower Payment Dependent Notes Series 436255
This series of Notes was issued and sold upon the funding of the borrower loan #39910, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $20,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 11.94% Starting borrower rate/APR: 12.94% / 15.08% Starting monthly payment: $673.30
Final lender yield: 11.35% Final borrower rate/APR: 12.35% / 14.49% Final monthly payment: $667.63
 
Auction yield range: 4.20% - 11.94% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.21%  
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-1997 Debt/Income ratio: 35%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $7,051 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pure-texas Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my student credit cards
Purpose of loan:This loan will be used to? pay off current credit card debt obtained during my time at UNT pursuing my masters degree, so that I could support my young family at the time. My goal is to be debt-free as quickly as possible. My financial situation:I am a good candidate for this loan because while I am able to currently pay my credit cards, I am not making a big enough dent in the actual balances to really make a difference. Using Propser.com, I will be able to pay these down more quickly.? Now that I am in a great job making good money my intention is to pay quite a bit more than the minimum every month. It is unlikely it will take me the full balance of time to pay off this loan. Below are the balances of my current cards. Note that all of this debt was on one card a year ago, but I transferred it to many no-interest/low-interest cards to try and put a bigger dent in the balance. Now many of the promotional APR offers have expired on those cards and the rates have gone way up.Personal Bank Loan - $12500 @ 15%HSBC?Visa - $2,550 @ 15%Citi Bank - $3,230 @ 19%REI Visa - $2000 @ 22%Monthly net income: $ 6,300

Monthly expenses: $
??Housing: $ 1,200
??Insurance: $ 170
??Car expenses: $ 850
??Utilities: $ 200
??Phone, cable, internet: $ 160
??Food, entertainment: $ 75
??Clothing, household expenses $ 300
??Credit cards and other loans: $?800 (credit card minimums, that I wish to pay off)

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what kind of job are you working in, and do you have spouse that is contributing also? thanks - shrewd-income
A: my spouse is a stay at home mom, and I work in city management. (Dec-02-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
money-prophesy$150.00$150.0012/1/2009 4:34:22 PM
Ven58$25.00$25.0012/1/2009 4:39:09 PM
FundMaker$30.00$30.0012/1/2009 6:10:54 PM
justice-hawk$100.00$100.0012/1/2009 7:08:44 PM
orbiter614$50.00$50.0012/2/2009 7:26:46 AM
interstellar$50.00$50.0012/2/2009 7:26:31 AM
PropertyInvest$25.00$25.0012/2/2009 5:38:58 PM
durability-mad-scientist4$50.00$50.0012/2/2009 6:30:15 PM
Earnest_Money$25.00$25.0012/2/2009 4:57:23 PM
Moneypenny6$25.00$25.0012/3/2009 6:28:38 AM
patriot384$100.00$100.0012/3/2009 6:40:22 AM
missile5$50.00$50.0012/3/2009 9:13:33 AM
green-foxy-marketplace$50.00$50.0012/3/2009 12:14:48 PM
smart-gold$25.00$25.0012/3/2009 5:44:57 PM
a-resplendent-commitment$25.00$25.0012/3/2009 8:32:34 PM
puifais$25.00$25.0012/3/2009 8:42:37 PM
helping-out$40.00$40.0012/3/2009 9:00:44 PM
cashasaurus0$100.00$100.0012/4/2009 4:01:56 AM
leeo$25.00$25.0012/4/2009 5:27:46 AM
djh47a$30.00$30.0012/4/2009 6:14:30 AM
tisiphone$25.00$25.0012/4/2009 8:36:33 AM
capital-amplifier$25.00$25.0012/4/2009 9:22:24 AM
alpinaut$25.00$25.0012/4/2009 10:53:41 AM
loyalist1$25.00$25.0012/4/2009 11:16:09 AM
Purple11$100.00$100.0012/4/2009 10:40:34 AM
Doodlemeyer$25.00$25.0012/4/2009 11:24:23 AM
bold-yield-rumbler$25.00$25.0012/4/2009 12:21:04 PM
shamrocker$25.00$25.0012/4/2009 12:24:29 PM
GyJAV_BNCCo$25.00$25.0012/4/2009 12:49:21 PM
red-favorable-basis$25.00$25.0012/4/2009 1:45:58 PM
UBOtto186$25.00$25.0012/4/2009 3:09:49 PM
credit-coach118$25.00$25.0012/4/2009 4:58:23 PM
ml13$25.00$25.0012/5/2009 5:41:36 AM
orange-pound-party$50.00$50.0012/5/2009 7:51:41 AM
NorthwestLoan1$35.00$35.0012/5/2009 8:10:36 AM
bchang2001$25.00$25.0012/5/2009 8:48:54 AM
Frugal$25.00$25.0012/5/2009 11:25:18 AM
psalms6612$25.00$25.0012/5/2009 10:36:10 AM
charming-point$200.00$200.0012/5/2009 11:39:02 AM
inqbus$25.00$25.0012/5/2009 4:29:07 PM
oldman68$25.00$25.0012/5/2009 9:14:32 PM
fatson43$25.00$25.0012/5/2009 5:57:16 PM
GyJAV_BNCCo$50.00$50.0012/6/2009 2:40:21 AM
triumph329$25.00$25.0012/6/2009 8:59:52 AM
professional-finance$25.00$25.0012/6/2009 8:05:17 AM
adir1$25.00$25.0012/6/2009 7:20:33 PM
esabzb$25.00$25.0012/6/2009 10:27:57 PM
bitbucket$50.00$50.0012/6/2009 11:32:21 PM
flwah$25.00$25.0012/7/2009 1:47:32 AM
lavb23$25.00$25.0012/7/2009 7:39:37 AM
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MO_Investor$25.00$25.0012/7/2009 9:59:35 AM
dollar-sunrise$25.00$25.0012/7/2009 10:12:16 AM
OoM$25.00$25.0012/7/2009 10:47:39 AM
erowis$25.00$25.0012/7/2009 11:03:16 AM
ijspence$25.00$25.0012/7/2009 10:17:58 AM
shrewd-income$25.00$25.0012/7/2009 11:08:06 AM
Rockymtnhi$48.48$48.4812/7/2009 10:27:27 AM
japher$25.00$25.0012/7/2009 10:34:15 AM
principal-laser$100.00$100.0012/7/2009 10:37:15 AM
stable-nickel$85.00$85.0012/7/2009 10:57:14 AM
rockhound84$25.00$25.0012/7/2009 12:41:47 PM
szetheli$44.55$44.5512/7/2009 11:37:12 AM
heather26$25.00$25.0012/7/2009 1:15:32 PM
thedoctor$80.00$80.0012/7/2009 1:19:35 PM
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G-Love$60.22$60.2212/7/2009 12:11:21 PM
famous-community8$25.00$25.0012/7/2009 3:22:27 PM
restless-currency$25.00$25.0012/7/2009 3:35:44 PM
ezhik00$25.00$25.0012/7/2009 3:48:42 PM
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patriot384$50.00$50.0012/7/2009 3:01:50 PM
ahalyaa$25.00$25.0012/7/2009 4:20:07 PM
MoneyOps$25.00$25.0012/7/2009 5:40:08 PM
best-community-platoon$25.00$25.0012/7/2009 7:10:04 PM
JJS180$25.00$25.0012/7/2009 11:19:40 PM
jibe-set$50.00$50.0012/7/2009 11:17:07 PM
commitment-forte6$25.00$25.0012/7/2009 11:17:27 PM
Light_Verity$500.00$500.0012/7/2009 8:38:25 PM
metro457$25.00$25.0012/7/2009 11:17:52 PM
The-CAPS-fan$30.00$30.0012/7/2009 11:21:01 PM
highcountry1$25.00$25.0012/7/2009 11:19:37 PM
Pizza-man$50.00$50.0012/7/2009 11:20:41 PM
a-resplendent-asset$25.00$25.0012/7/2009 11:17:47 PM
djs81$25.00$25.0012/7/2009 11:19:03 PM
affluence-tycoon$25.00$25.0012/7/2009 11:26:44 PM
WHEREISTHEMOON$25.00$25.0012/7/2009 11:27:13 PM
sentimental-euro$25.00$25.0012/7/2009 11:20:48 PM
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bright-investment$25.00$25.0012/7/2009 11:33:00 PM
kvandivo$25.00$25.0012/7/2009 11:33:10 PM
mla$25.00$25.0012/7/2009 11:33:20 PM
Gnube$25.00$25.0012/7/2009 11:38:21 PM
lean-velocity$25.00$25.0012/7/2009 11:33:42 PM
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Musicman1950$25.00$25.0012/7/2009 11:34:09 PM
onesunca$25.00$25.0012/7/2009 11:43:38 PM
aycinvestments$25.00$25.0012/7/2009 11:32:53 PM
RandomMonkey$25.00$25.0012/7/2009 11:44:27 PM
best-phenomenal-treasure$25.00$25.0012/7/2009 11:34:36 PM
siege01$25.00$25.0012/7/2009 11:45:11 PM
ferocious-exchange3$25.00$25.0012/7/2009 11:35:23 PM
flopcat$25.00$25.0012/7/2009 11:33:55 PM
WolRab$32.34$32.3412/7/2009 11:45:52 PM
omerta6102$44.81$44.8112/7/2009 11:46:57 PM
ClearLake$25.00$25.0012/7/2009 11:47:09 PM
lending_pugs$25.00$25.0012/7/2009 11:47:16 PM
sloan$25.00$25.0012/7/2009 11:36:12 PM
jdashv$25.00$25.0012/7/2009 11:47:40 PM
bayareainv$50.00$50.0012/7/2009 11:37:12 PM
acropiloterau2002$25.00$25.0012/7/2009 11:49:08 PM
MC_$25.00$25.0012/7/2009 11:43:25 PM
HappyHelpingLender$25.00$25.0012/7/2009 11:43:45 PM
rulender$50.00$50.0012/7/2009 11:37:35 PM
pseudokris$25.00$25.0012/7/2009 11:44:14 PM
Ellisdee$41.10$41.1012/7/2009 11:44:24 PM
tijuas90$25.00$25.0012/7/2009 11:42:39 PM
Sigonio$25.00$25.0012/8/2009 12:02:16 AM
andycheb$25.00$25.0012/7/2009 11:43:04 PM
roman1998$25.00$25.0012/7/2009 11:45:26 PM
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zeelender$25.00$25.0012/8/2009 12:16:59 AM
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onlyinchicago$25.00$25.0012/7/2009 11:45:24 PM
dimitrip1024$25.00$25.0012/7/2009 11:47:49 PM
DaveG56313$25.00$25.0012/7/2009 11:49:12 PM
TheColoradoDon$25.00$25.0012/7/2009 11:46:33 PM
leftcoast52$25.00$25.0012/8/2009 4:53:46 AM
cesta283$25.00$25.0012/7/2009 11:46:35 PM
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mchale$31.27$31.2712/7/2009 11:46:44 PM
TK4$25.00$25.0012/7/2009 11:47:19 PM
KeepOnRunning$50.00$50.0012/7/2009 11:47:52 PM
japper2353$25.00$25.0012/7/2009 11:49:51 PM
Captain88$25.00$25.0012/7/2009 11:50:26 PM
stolan$25.00$25.0012/7/2009 11:58:15 PM
Plotinus$36.08$36.0812/8/2009 12:02:02 AM
Independenttools$25.00$25.0012/8/2009 12:02:17 AM
sparkling-income$50.00$50.0012/8/2009 12:59:52 AM
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orbital-gain$50.00$50.0012/8/2009 12:00:38 AM
bikingbtb$25.00$25.0012/8/2009 12:06:58 AM
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slojudy$25.00$25.0012/8/2009 8:55:15 AM
brstern2$25.00$25.0012/8/2009 9:41:56 AM
Raser$25.00$25.0012/8/2009 10:38:28 AM
grf1945$25.00$25.0012/8/2009 9:42:51 AM
treasure-generator$25.00$25.0012/8/2009 10:39:41 AM
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UT-Longhorn$25.00$25.0012/8/2009 9:43:47 AM
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Cbgator$25.00$25.0012/8/2009 10:44:20 AM
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titaniumtommy$25.00$25.0012/8/2009 10:38:43 AM
Supp0rter$50.00$50.0012/8/2009 10:40:33 AM
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coalescent$39.14$39.1412/8/2009 10:41:09 AM
BerkeleyBonds$25.00$25.0012/8/2009 10:58:26 AM
saschar$25.00$25.0012/8/2009 10:45:45 AM
kloan$25.00$25.0012/8/2009 10:41:33 AM
testobsessed$35.08$35.0812/8/2009 10:41:52 AM
keeks$25.00$25.0012/8/2009 10:43:06 AM
7588WorkingGuy$25.00$25.0012/8/2009 11:02:13 AM
vengy$25.00$25.0012/8/2009 10:43:14 AM
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BritDad$25.00$25.0012/8/2009 10:43:45 AM
glalat$25.00$25.0012/8/2009 10:48:46 AM
smart-return$25.00$25.0012/8/2009 10:49:09 AM
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siegoris$35.20$35.2012/8/2009 10:48:50 AM
assetmanager$25.00$25.0012/8/2009 10:53:34 AM
DadWarbucks$25.00$25.0012/8/2009 10:55:16 AM
mizunoman$25.00$25.0012/8/2009 10:49:51 AM
All_Wins$25.00$25.0012/8/2009 10:50:35 AM
phunktion$25.00$25.0012/8/2009 11:00:44 AM
icecoldcash$80.00$80.0012/8/2009 11:00:58 AM
alverado$25.00$25.0012/8/2009 11:01:50 AM
Norcal$50.00$50.0012/8/2009 10:51:42 AM
YellowJacket$25.00$25.0012/8/2009 10:52:07 AM
ualf$50.00$50.0012/8/2009 11:02:28 AM
i3urtonair$25.00$25.0012/8/2009 10:53:05 AM
Au-Ag-Pt$25.00$25.0012/8/2009 11:31:26 AM
shortstop21$25.00$25.0012/8/2009 10:55:50 AM
James_and_Tracy$25.00$25.0012/8/2009 10:58:21 AM
dadalou$25.00$25.0012/8/2009 11:33:01 AM
teejay411$100.00$100.0012/8/2009 11:02:40 AM
steves73$25.00$25.0012/8/2009 11:03:30 AM
BrianRK$26.00$26.0012/8/2009 11:35:01 AM
Warbler$25.00$25.0012/8/2009 11:35:15 AM
fireupthegrill$25.00$25.0012/8/2009 11:36:11 AM
JazzFranchise$25.00$25.0012/8/2009 11:37:25 AM
dumbass$25.00$25.0012/8/2009 11:38:07 AM
goofy15975$25.00$25.0012/8/2009 11:38:21 AM
Turkish101$25.00$25.0012/8/2009 11:38:32 AM
Dave0$25.00$25.0012/8/2009 11:32:59 AM
frankdelraza$25.00$25.0012/8/2009 11:35:03 AM
thryn$25.00$25.0012/8/2009 11:36:44 AM
perlindc$100.00$100.0012/8/2009 11:37:19 AM
zyztemboy$25.00$25.0012/8/2009 11:37:47 AM
SnakeV$25.00$25.0012/8/2009 11:51:24 AM
Mark-O-Polo$25.00$25.0012/8/2009 11:43:20 AM
morpholog$25.00$25.0012/8/2009 11:45:46 AM
Cleon$25.00$25.0012/8/2009 11:35:12 AM
BoutYeBank$26.13$26.1312/8/2009 11:36:15 AM
MoJoRisin15$25.00$25.0012/8/2009 12:01:10 PM
principal-kung-fu$25.00$25.0012/8/2009 11:54:26 AM
nerlands$25.00$25.0012/8/2009 12:03:54 PM
DeathScythe676$25.00$25.0012/8/2009 11:38:23 AM
social-comet7$25.00$25.0012/8/2009 11:43:13 AM
CommerciaLender$25.00$25.0012/8/2009 12:09:06 PM
rystol$25.00$25.0012/8/2009 12:04:16 PM
philipandc$25.00$25.0012/8/2009 12:10:03 PM
pipopirate$25.00$25.0012/8/2009 12:09:42 PM
thedreamer$25.00$25.0012/8/2009 12:09:49 PM
rockhound84$25.00$25.0012/8/2009 11:53:05 AM
secret-santa$25.00$25.0012/8/2009 12:27:17 PM
liquidhorse$25.00$25.0012/8/2009 11:55:14 AM
head$25.00$20.9512/8/2009 12:29:31 PM
BigCityLending$25.00$25.0012/8/2009 12:26:56 PM
oodkim84oo$40.00$40.0012/8/2009 12:02:48 PM
b2006$25.00$25.0012/8/2009 12:04:09 PM
Trigirl23$25.00$25.0012/8/2009 12:05:19 PM
sharp-credit$1,196.80$1,196.8012/8/2009 12:12:30 PM
piter-to-la-investment$25.00$25.0012/8/2009 12:47:11 PM
marsciguy$25.00$25.0012/8/2009 12:24:45 PM
active-reward7$50.00$50.0012/8/2009 12:46:38 PM
rmachi$25.00$25.0012/8/2009 1:57:05 PM
whitegold24k$311.70$311.7012/8/2009 3:00:02 PM
brightest-economy-tsunami$25.00$25.0012/8/2009 1:51:20 PM
exciting-fairness$200.00$200.0012/8/2009 3:31:12 PM
leverage-monger$50.00$50.0012/8/2009 2:14:20 PM
TakeCare$200.00$200.0012/8/2009 2:24:25 PM
sparkmeister$25.00$25.0012/1/2009 4:35:42 PM
neenerman$30.02$30.0212/1/2009 4:49:34 PM
the-durability-planetarium$50.00$50.0012/1/2009 10:47:05 PM
economy-synapse$25.00$25.0012/2/2009 7:26:36 AM
Montgomery-Burns$25.00$25.0012/2/2009 9:35:47 AM
junes08$50.00$50.0012/2/2009 2:44:33 PM
outofoffice$50.00$50.0012/2/2009 3:48:03 PM
bigmacbeef$25.00$25.0012/2/2009 10:32:05 PM
generous-deal6$25.00$25.0012/3/2009 12:01:08 AM
reBuild-America$25.00$25.0012/3/2009 9:34:41 AM
tamcho$25.00$25.0012/3/2009 4:18:08 PM
riverwatch$25.00$25.0012/3/2009 7:57:21 PM
sainswor99$84.22$84.2212/3/2009 10:28:03 PM
sjlender$25.00$25.0012/3/2009 9:47:29 PM
QuinMccoy$25.00$25.0012/4/2009 4:57:28 AM
NycDean$25.00$25.0012/4/2009 7:38:29 AM
JeffHoll$100.00$100.0012/4/2009 7:09:16 AM
Marathoner$25.00$25.0012/4/2009 9:36:16 AM
divrekku$25.00$25.0012/4/2009 10:08:17 AM
first-sophisticated-rate$75.00$75.0012/4/2009 11:24:12 AM
Castelj$25.00$25.0012/4/2009 10:56:27 AM
cocopuffs$25.00$25.0012/4/2009 2:01:10 PM
dpjd$50.00$50.0012/4/2009 3:08:28 PM
elegant-bonus$25.00$25.0012/4/2009 4:15:44 PM
PocketAces$25.00$25.0012/5/2009 1:10:07 AM
Homeinvest$25.00$25.0012/5/2009 5:41:45 AM
floridahelper$90.00$90.0012/5/2009 5:26:27 AM
auction-elvis$25.00$25.0012/5/2009 5:47:41 PM
Sugarmama21$50.00$50.0012/5/2009 7:39:47 PM
Havnfun$25.00$25.0012/5/2009 7:28:34 PM
AlexTrep$25.00$25.0012/5/2009 7:45:55 PM
htdia$25.00$25.0012/6/2009 9:32:45 AM
rudymac777$25.00$25.0012/6/2009 12:01:22 PM
efficient-principal$25.00$25.0012/6/2009 2:52:24 PM
Sixmil$25.00$25.0012/6/2009 11:50:11 AM
integrity-doctor$50.00$50.0012/6/2009 4:51:07 PM
Machbannai$25.00$25.0012/6/2009 6:05:28 PM
visionary-currency$75.00$75.0012/6/2009 6:17:42 PM
BuckeyeGuy$65.97$65.9712/6/2009 8:28:24 PM
cdv$25.00$25.0012/6/2009 9:52:49 PM
buffalobills$25.00$25.0012/7/2009 8:15:01 AM
chiemsee$25.00$25.0012/7/2009 8:32:56 AM
hannibal720$25.00$25.0012/7/2009 7:14:41 AM
physjosh$25.00$25.0012/7/2009 9:38:44 AM
rakey$25.00$25.0012/7/2009 10:00:49 AM
cjames84$25.00$25.0012/7/2009 9:39:29 AM
Aristophil$100.00$100.0012/7/2009 10:18:06 AM
worth-sanctuary9$25.00$25.0012/7/2009 10:38:27 AM
BankofTony$25.00$25.0012/7/2009 10:01:36 AM
Simply2fly$25.00$25.0012/7/2009 10:09:51 AM
bcg2004$25.00$25.0012/7/2009 10:14:43 AM
FredHead3$25.00$25.0012/7/2009 10:17:08 AM
Hola_James$30.00$30.0012/7/2009 10:18:31 AM
richwolf$50.00$50.0012/7/2009 10:28:12 AM
kind-bid-maverick$25.00$25.0012/7/2009 10:34:43 AM
TriSail$25.00$25.0012/7/2009 10:37:49 AM
fund-medalist171$25.00$25.0012/7/2009 10:58:19 AM
hebjet$25.00$25.0012/7/2009 10:59:47 AM
GABC-1$25.00$25.0012/7/2009 11:41:38 AM
snowman34$25.00$25.0012/7/2009 11:45:07 AM
RruxB6$25.00$25.0012/7/2009 12:19:09 PM
icon7$25.00$25.0012/7/2009 12:33:29 PM
forthright-trade$25.00$25.0012/7/2009 12:42:25 PM
Phantom99$25.00$25.0012/7/2009 12:47:00 PM
punctual-power7$25.00$25.0012/7/2009 6:05:45 PM
loyalty-czar$25.00$25.0012/7/2009 6:47:27 PM
PleaseNoDefaults$25.00$25.0012/7/2009 7:26:56 PM
a-responsible-return$25.00$25.0012/7/2009 11:19:32 PM
Haydendover$25.00$25.0012/7/2009 11:18:14 PM
compoundinterest$50.00$50.0012/7/2009 11:19:22 PM
BlindProphet$25.00$25.0012/7/2009 11:20:36 PM
worthy-reward1$50.00$50.0012/7/2009 11:20:53 PM
reinforced-reward$25.00$25.0012/7/2009 11:15:59 PM
Goodlender42$25.00$25.0012/7/2009 11:19:44 PM
Dap2005$25.00$25.0012/7/2009 11:27:20 PM
auctionbros$25.00$25.0012/7/2009 11:27:15 PM
worklessmakemore$25.00$25.0012/7/2009 11:27:18 PM
liberty-revelry2$25.00$25.0012/7/2009 11:32:50 PM
elegant-income3$30.00$30.0012/7/2009 11:26:51 PM
special-responsibility$25.00$25.0012/7/2009 11:27:23 PM
galaxy1$25.00$25.0012/7/2009 11:27:29 PM
grampy48$25.00$25.0012/7/2009 11:36:25 PM
regahj99$25.00$25.0012/7/2009 11:36:35 PM
night0wl$25.00$25.0012/7/2009 11:33:03 PM
Quentin8002$25.00$25.0012/7/2009 11:43:31 PM
MARSTUN$50.00$50.0012/7/2009 11:43:35 PM
verse99$25.00$25.0012/7/2009 11:32:30 PM
Approved1234$25.00$25.0012/7/2009 11:43:43 PM
freesia54$25.00$25.0012/7/2009 11:32:39 PM
Geedub$50.00$50.0012/7/2009 11:44:19 PM
lendinstuff$25.00$25.0012/7/2009 11:44:30 PM
kmwvma$25.00$25.0012/7/2009 11:44:34 PM
Pasagam$25.00$25.0012/7/2009 11:34:53 PM
ahalls$25.00$25.0012/7/2009 11:45:10 PM
herbyman$25.00$25.0012/7/2009 11:45:15 PM
jtradition$50.00$50.0012/7/2009 11:45:18 PM
Bubbasnestegg$25.00$25.0012/7/2009 11:46:01 PM
Tradesmanlender$25.00$25.0012/7/2009 11:46:42 PM
a-special-power$25.00$25.0012/7/2009 11:34:16 PM
Maccs55$25.00$25.0012/7/2009 11:47:21 PM
dansarkis$25.00$25.0012/7/2009 11:47:41 PM
Castellan$25.00$25.0012/7/2009 11:36:27 PM
open-minded-finance1$25.00$25.0012/7/2009 11:34:45 PM
woodenshoes$25.00$25.0012/7/2009 11:48:23 PM
Hokiemon$25.00$25.0012/7/2009 11:37:03 PM
KiwiElf$25.00$25.0012/7/2009 11:35:12 PM
kmfreymi$25.00$25.0012/7/2009 11:35:29 PM
AndersenWatcher$25.00$25.0012/7/2009 11:37:24 PM
inspired-contract9$50.00$50.0012/7/2009 11:35:41 PM
tsui517$25.00$25.0012/7/2009 11:35:58 PM
Hogpilot$25.00$25.0012/7/2009 11:36:17 PM
blooming-dedication$50.00$50.0012/7/2009 11:37:07 PM
draggon77$25.00$25.0012/7/2009 11:43:46 PM
bazaar-tulip$25.00$25.0012/7/2009 11:57:53 PM
BludAx$25.00$25.0012/7/2009 11:44:26 PM
CPAMAN$25.00$25.0012/7/2009 11:44:32 PM
Tasmir$25.00$25.0012/8/2009 12:01:53 AM
hanuman77$50.00$50.0012/7/2009 11:44:59 PM
Hiro07$25.00$25.0012/7/2009 11:45:22 PM
mjm77_1$25.00$25.0012/7/2009 11:45:37 PM
bazaar-ruler$25.00$25.0012/7/2009 11:43:40 PM
irrelevant$25.00$25.0012/7/2009 11:45:47 PM
JMJIluss$25.00$25.0012/7/2009 11:43:48 PM
BrooklynJim$25.00$25.0012/7/2009 11:45:56 PM
RainbowEnd$25.00$25.0012/7/2009 11:43:57 PM
lowestghost$25.00$25.0012/8/2009 12:22:59 AM
amijo$25.00$25.0012/7/2009 11:44:00 PM
secretidentity$25.00$25.0012/7/2009 11:44:04 PM
interest-exec9$25.00$25.0012/7/2009 11:44:25 PM
GatorBait$42.12$42.1212/7/2009 11:46:51 PM
wrchism$33.28$33.2812/8/2009 2:36:47 AM
TOCPI$25.00$25.0012/7/2009 11:47:11 PM
Dia_Lucri3$25.00$25.0012/7/2009 11:45:20 PM
Danfromnapa$50.00$50.0012/7/2009 11:47:36 PM
mlopez2007$100.00$100.0012/8/2009 3:47:17 AM
gristle$25.00$25.0012/7/2009 11:47:48 PM
Little_Guy$25.00$25.0012/7/2009 11:45:45 PM
Octavian315$41.78$41.7812/7/2009 11:47:57 PM
BlindJoeDeath$25.00$25.0012/7/2009 11:48:41 PM
aldeed$25.00$25.0012/7/2009 11:49:11 PM
gogmagog$32.41$32.4112/8/2009 4:53:59 AM
pawsitive$25.00$25.0012/7/2009 11:46:48 PM
sajitp$25.00$25.0012/7/2009 11:50:35 PM
crispies$25.00$25.0012/7/2009 11:47:34 PM
SkiNZ$25.00$25.0012/8/2009 5:22:00 AM
blukestrel$25.00$25.0012/7/2009 11:49:52 PM
marshallmanhattan$25.00$25.0012/8/2009 6:36:40 AM
divedude$25.00$25.0012/7/2009 11:58:21 PM
reueljw$25.00$25.0012/7/2009 11:58:41 PM
trochees$25.00$25.0012/8/2009 2:27:18 AM
organic-platinum$25.00$25.0012/8/2009 12:10:48 AM
RusRobo$25.00$25.0012/8/2009 12:22:52 AM
Iowa65$32.54$32.5412/8/2009 4:02:40 AM
help_each_other$25.00$25.0012/8/2009 4:54:01 AM
synergy4all$25.00$25.0012/8/2009 5:04:36 AM
impartial-deal$25.00$25.0012/8/2009 5:07:11 AM
StrongMoney$25.00$25.0012/8/2009 9:42:05 AM
mizount$25.00$25.0012/8/2009 6:58:39 AM
balanced-balance6$25.00$25.0012/8/2009 9:44:00 AM
martymaniaman$25.00$25.0012/8/2009 6:36:43 AM
nalaari$51.85$51.8512/8/2009 6:52:56 AM
Book-Mark$25.00$25.0012/8/2009 9:51:18 AM
L-vex$25.00$25.0012/8/2009 8:06:54 AM
ekn_enterprises$25.00$25.0012/8/2009 9:56:17 AM
mrkb80$25.00$25.0012/8/2009 9:39:54 AM
SimonHova$25.81$25.8112/8/2009 10:36:25 AM
jblack01$25.00$25.0012/8/2009 10:38:46 AM
shrewd-income$75.00$75.0012/8/2009 8:37:09 AM
mikeleib$25.00$25.0012/8/2009 10:40:15 AM
faldska$25.00$25.0012/8/2009 10:40:27 AM
scorpi073$25.00$25.0012/8/2009 10:40:31 AM
guaton$25.00$25.0012/8/2009 10:41:03 AM
Digs$25.00$25.0012/8/2009 9:44:10 AM
Aquafina24Ounce$25.00$25.0012/8/2009 10:42:08 AM
WorldlyWorker$25.00$25.0012/8/2009 10:42:20 AM
leverage-monger$25.00$25.0012/8/2009 8:59:57 AM
MediaAndMicrocode$27.50$27.5012/8/2009 10:42:33 AM
18th_beachbum$25.00$25.0012/8/2009 9:44:45 AM
ogoog$25.00$25.0012/8/2009 10:44:15 AM
smartie1$25.00$25.0012/8/2009 10:44:28 AM
Oryx22$25.00$25.0012/8/2009 10:44:43 AM
MicroL$25.00$25.0012/8/2009 10:45:04 AM
jct_enterprises$25.00$25.0012/8/2009 10:45:26 AM
Marfloogan$25.00$25.0012/8/2009 10:45:38 AM
pbandjb$25.00$25.0012/8/2009 10:45:55 AM
norcalsv$35.60$35.6012/8/2009 10:46:06 AM
dollar-oracle55$25.00$25.0012/8/2009 10:46:53 AM
tster$25.00$25.0012/8/2009 10:47:05 AM
sxcarlson$50.00$50.0012/8/2009 10:47:17 AM
Blue_HorseShoe$25.00$25.0012/8/2009 10:47:28 AM
Eagledrop$25.00$25.0012/8/2009 10:48:53 AM
ADenny$25.00$25.0012/8/2009 9:46:43 AM
jldallover$25.00$25.0012/8/2009 10:49:04 AM
Feyenoord$25.00$25.0012/8/2009 10:13:46 AM
derec$25.00$25.0012/8/2009 10:49:17 AM
westsidehighway$25.00$25.0012/8/2009 10:49:28 AM
monticello$25.00$25.0012/8/2009 10:50:09 AM
cassius84$25.00$25.0012/8/2009 10:50:19 AM
jcholloway831$25.00$25.0012/8/2009 10:38:36 AM
dartmouth99$25.00$25.0012/8/2009 10:38:40 AM
drtexican$49.20$49.2012/8/2009 10:41:12 AM
chipperjohnson$25.00$25.0012/8/2009 10:53:01 AM
iruz$50.00$50.0012/8/2009 10:53:19 AM
nick5454$50.00$50.0012/8/2009 10:42:02 AM
AgTiPinisher$25.00$25.0012/8/2009 10:42:37 AM
Yanwoo$25.00$25.0012/8/2009 10:43:02 AM
quintilian$50.00$50.0012/8/2009 10:43:20 AM
rosadoc$25.00$25.0012/8/2009 10:36:13 AM
easylender$25.00$25.0012/8/2009 10:44:10 AM
abidos$25.00$25.0012/8/2009 10:55:37 AM
Seadrag367$25.00$25.0012/8/2009 10:41:07 AM
Breakfast_Gypsy$25.00$25.0012/8/2009 10:45:08 AM
PHI4308$25.00$25.0012/8/2009 10:58:18 AM
bellach$50.00$50.0012/8/2009 10:45:48 AM
Chakma$25.00$25.0012/8/2009 10:41:41 AM
Winkyboy$25.00$25.0012/8/2009 10:46:27 AM
mooshoe$25.00$25.0012/8/2009 10:41:55 AM
scottr$25.00$25.0012/8/2009 10:46:37 AM
MyKidsDad$25.00$25.0012/8/2009 11:01:54 AM
LKN2RTR$25.00$25.0012/8/2009 10:47:06 AM
AvailableFunds$25.00$25.0012/8/2009 11:02:55 AM
HalfDayz$50.00$50.0012/8/2009 10:43:39 AM
jresu537$25.00$25.0012/8/2009 10:48:38 AM
davidc314$50.00$50.0012/8/2009 10:44:13 AM
bharosa$25.00$25.0012/8/2009 10:48:48 AM
mooch_1993$25.00$25.0012/8/2009 10:44:23 AM
celkram$25.00$25.0012/8/2009 10:50:01 AM
showmestatekid$25.00$25.0012/8/2009 10:45:12 AM
Emberfox$25.00$25.0012/8/2009 11:05:08 AM
brooklynjoe$25.00$25.0012/8/2009 10:46:04 AM
mc81$25.00$25.0012/8/2009 10:46:21 AM
gustavholstopus32$25.00$25.0012/8/2009 10:51:22 AM
PitOfSuccess$25.00$25.0012/8/2009 10:46:49 AM
commerce-champion$25.00$25.0012/8/2009 10:47:10 AM
SeattleAngel$25.00$25.0012/8/2009 10:47:23 AM
sunshinysmiles$25.00$25.0012/8/2009 11:12:35 AM
dspmn$25.00$25.0012/8/2009 10:48:57 AM
TEAM-Jasper$25.00$25.0012/8/2009 10:49:31 AM
krazydavet$25.00$25.0012/8/2009 10:49:45 AM
NATIVEBORN$25.00$25.0012/8/2009 10:49:55 AM
mjjjrj$25.00$25.0012/8/2009 10:50:38 AM
mpactlender$25.00$25.0012/8/2009 11:01:41 AM
icefish$50.00$50.0012/8/2009 10:51:53 AM
wdove511$25.00$25.0012/8/2009 11:05:46 AM
mrfixerupper$25.00$25.0012/8/2009 10:58:30 AM
jrwoodie$25.00$25.0012/8/2009 11:32:51 AM
Goat$25.00$25.0012/8/2009 11:01:33 AM
helpu88$25.00$25.0012/8/2009 11:02:44 AM
Andaliego$25.01$25.0112/8/2009 11:16:29 AM
peace-cadence$25.00$25.0012/8/2009 11:37:14 AM
BiggestG$25.00$25.0012/8/2009 11:38:00 AM
mmaurer$30.00$30.0012/8/2009 11:38:35 AM
CULPEPPERGROUP$25.00$25.0012/8/2009 11:43:09 AM
zbfamwl$25.00$25.0012/8/2009 11:34:44 AM
_kyle$25.00$25.0012/8/2009 11:38:12 AM
Emgolda$25.00$25.0012/8/2009 11:43:28 AM
h_corey$25.00$25.0012/8/2009 11:35:10 AM
revmax$25.00$25.0012/8/2009 11:37:05 AM
StWaldo$25.00$25.0012/8/2009 12:04:11 PM
Avid_Skier$25.00$25.0012/8/2009 11:38:16 AM
Searlzy$25.00$25.0012/8/2009 12:05:11 PM
ChicoBob$32.58$32.5812/8/2009 12:10:01 PM
Natronpee$25.00$25.0012/8/2009 12:05:30 PM
fdsguy$50.00$50.0012/8/2009 12:09:45 PM
Doc23$25.00$25.0012/8/2009 12:09:55 PM
bigballer105$25.00$25.0012/8/2009 11:52:54 AM
catalystcf$25.00$25.0012/8/2009 12:25:06 PM
chief_wo$25.00$25.0012/8/2009 12:05:02 PM
outwish$25.00$25.0012/8/2009 12:09:58 PM
sas19$25.00$25.0012/8/2009 12:11:38 PM
star7705$25.00$25.0012/8/2009 12:27:47 PM
jybank$25.00$25.0012/8/2009 1:26:38 PM
the-profit-oracle$25.00$25.0012/8/2009 1:31:37 PM
wwwUniversal$25.00$25.0012/8/2009 2:32:56 PM
haryassman$50.00$50.0012/8/2009 3:51:37 PM
goodhearted-basis4$25.00$25.0012/8/2009 3:58:53 PM
GOPHERBOY$50.00$50.0012/8/2009 4:02:48 PM
ImaPutz$25.00$25.0012/8/2009 4:00:38 PM
577 bids
 
Borrower Payment Dependent Notes Series 436387
This series of Notes was issued and sold upon the funding of the borrower loan #39851, 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:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 31.45% Starting monthly payment: $41.09
Final lender yield: 19.49% Final borrower rate/APR: 20.49% / 24.29% Final monthly payment: $37.41
 
Auction yield range: 11.20% - 26.49% Estimated loss impact: 10.46%  
Lender servicing fee: 1.00% Estimated return: 9.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-1982 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $349 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 82%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: 1977dc Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
560-579 (Sep-2008)
 
Principal balance: $725.36 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Pay off credit card
Purpose of loan:
This loan will be used to? Pay off acredit card that is ripping me off

My financial situation:
I am a good candidate for this loan because?I am currently employed full time with a company?that is rated one of the top employee-owned firms to work for.Next month (Oct) I will be leading candidate for management positions that will increase my pay considerably.

Monthly net income: $ 1430

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 100????
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses:$50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: in your listing it says that you were a candidate for a promotion in October, it is now December, were you able to get your promotion? - GolfStud
A: Not yet. I work for a profitable Super Market chain (Publix) and just need to wait for available openings . (Dec-07-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IPG1$25.00$25.0012/3/2009 4:32:33 PM
Unitas4302$200.00$200.0012/7/2009 4:36:44 PM
d34dfish$25.00$25.0012/8/2009 4:14:22 AM
TakeCare$50.00$50.0012/9/2009 9:31:43 AM
SolarMoonshine$25.00$25.0012/9/2009 11:18:33 AM
interloode$200.00$200.0012/9/2009 2:26:57 PM
eclipse056$25.00$25.0012/9/2009 2:28:23 PM
lender12345$50.00$50.0012/7/2009 5:41:10 PM
Kash2010lu$25.00$25.0012/8/2009 6:33:27 PM
FinanceEngine$25.00$25.0012/9/2009 9:47:17 AM
AsianDragon$52.00$52.0012/9/2009 10:14:41 AM
PayingItForwardPlease$25.00$25.0012/9/2009 10:44:16 AM
Leshan$75.00$75.0012/9/2009 1:23:12 PM
fireferd$100.00$100.0012/9/2009 1:42:47 PM
JGuide$25.00$25.0012/9/2009 2:32:15 PM
dudebrah$25.00$25.0012/9/2009 2:16:43 PM
MattProsper$50.00$23.0012/9/2009 2:30:49 PM
jybank$25.00$25.0012/9/2009 2:41:47 PM
18 bids
 
Borrower Payment Dependent Notes Series 436427
This series of Notes was issued and sold upon the funding of the borrower loan #39924, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Dec-03-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $90.47
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 2 First credit line: Jan-2000 Debt/Income ratio: 11%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $2,382 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 109%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 12    
Screen name: loan-halo Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay down debt
I am a Registered Nurse working on a cardiac unit in a hospital. I have a stable job and income that is not affected by the economy. My net income does not include week-end pay, over-time, bonuses, continued education pay, or my new bargaining contract of 20% wage increase over the next four years. My husband, of 23 years, is also employed full-time as a truck driver for a grocery chain and earns $4,000.00 net income a month. This included, would change my DTI Ratio. In Sept. of 2008, we bought a home, after the bubble burst, and invested this year over $10,000 in upgrades to the property and were a little over budget, but we still paid cash. I purchased a used vehicle in May, and inquired about a refinance loan a couple of times, and have been searching for lenders for a personal loan to pay off some of my debt. This explains all the inquiries on my credit report. I have resorted to using some of my credit cards after a temporary house guest became a more permanent fixture in my home (5 months). I watched all my utility bills go up and could not seem to keep enough food in the house. In September, I asked the house guest to leave or pay rent and they chose to leave. Phew! Nevertheless, I still had to pay the $698.00 PG&E bill, $300.00 water bill, and buy more food. Since this type of thing had been going on for months, it has put a strain on our finances as these bills are three times more then they usually are. I have still managed to pay my creditors on time, but have resorted to using my credit cards and taking a ridiculously high interest loan. My daughter is a college student. A new semester is beginning in January and she is going to need books. I have already paid for tuition. Please consider investing in me. I will use this loan to pay down my credit cards and purchase my daughters school books. You are guaranteed a great return on your investment.
Monthly net income: $ 4600 (just my income)
Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 260 (4 cars)
??Car expenses: $ 450
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 208
??Other expenses: $ 1000+ every four months for daughter's college tuition and books
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi loan-halo, Could you please list your credit cards, amounts, and rates. Thanks. - golffish2
A: Hi golffish2- The information requested is as follows: HSBC (Best Buy) Balance $285 @ 18.99%; Capital One (it was $,214.93, but I just made a $50.00 payment because it was $14.93 over its limit) @ 18.3%; Gottschalk's Store Card (this has been picked up by HSBC because it has gone out of business) $600.00 @ 22.9%; Macy's $365 @ 20.9%; Sears $495.96 @ 29.9%; Bank of America $542 @ 16.24% (Dec-04-2009)
Q: Hi loan-halo, Could you please list your credit cards, amount, and rates? Thanks - golffish2
A: Hi goffish2- I have posted the information you requested. Thank you for inquiring.. (Dec-04-2009)
Q: Why would you take a high 20% to low 30% loan when the interest on your total current debt is hovering around the low to mid 20% range? - siv
A: I only want one payment instead of 7 payments. Much easier to manage. Also, Iam paying interest on all those cards. I'd rather pay them off and have only the prosper payment which will be far less than the minimum payments I am making at this time. Also, I can pay more on this loan too, once I have recooperated from the past several months of hatdships. For me, this is a temporary situation and will work best for me. (Dec-07-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
golffish2$200.00$200.0012/4/2009 9:11:25 AM
reflective-rupee$200.00$200.0012/4/2009 9:39:41 AM
gold-cluster$25.00$25.0012/4/2009 5:02:50 PM
SolarMoonshine$25.00$25.0012/4/2009 6:49:09 PM
reflective-rupee$100.00$100.0012/6/2009 7:50:31 PM
reflective-rupee$50.00$50.0012/7/2009 6:20:57 AM
well-mannered-income3$40.00$40.0012/7/2009 7:58:50 AM
golffish2$200.00$174.6912/7/2009 5:40:55 AM
shrewd-income$225.00$225.0012/7/2009 11:03:47 AM
vest_vortex$25.00$25.0012/7/2009 5:36:03 PM
gold-cluster$25.00$25.0012/7/2009 7:56:33 PM
Bob450$50.00$50.0012/7/2009 8:16:30 PM
gold-cluster$25.00$25.0012/7/2009 7:56:00 PM
transparency-burger$25.00$25.0012/7/2009 8:43:27 PM
vest_vortex$25.00$25.0012/4/2009 4:14:02 PM
shrewd-income$25.00$25.0012/4/2009 11:36:09 PM
gold-cluster$100.00$100.0012/6/2009 8:51:01 PM
l2fp$33.31$33.3112/7/2009 12:44:38 AM
tigercat$50.00$50.0012/7/2009 9:10:45 AM
supreme-justice3$100.00$100.0012/7/2009 11:16:10 AM
GlenBank$75.00$75.0012/7/2009 1:42:29 PM
double22$50.00$50.0012/7/2009 3:09:31 PM
Unitas4302$100.00$100.0012/7/2009 5:00:20 PM
weezy22$27.00$27.0012/7/2009 5:18:17 PM
gold-cluster$25.00$25.0012/7/2009 7:57:05 PM
gold-cluster$200.00$200.0012/7/2009 7:50:35 PM
26 bids
 
Borrower Payment Dependent Notes Series 437445
This series of Notes was issued and sold upon the funding of the borrower loan #39933, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-09-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $143.64
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $141.76
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-1989 Debt/Income ratio: 27%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:15y 6m
Amount delinquent: $0 Revolving credit balance: $794 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Homeownership: No  
Inquiries last 6m: 0    
Screen name: lettergirl46 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 96% ) 660-679 (Latest)
Principal borrowed: $3,100.00< mo. late: 1 ( 4% )  
600-619 (Jul-2007)
 
Principal balance: $878.03 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
updating very old bathroom
Purpose of loan:
This loan will be used to? update a very old bathroom.? We live in a family home, which we are very fortunate to do so, but it is a 140 year old house and is in need of major surgery.? We need to start with the bathroom which is in the worst shape of any room.

My financial situation:
I am a good candidate for this loan because? I have a good job with a good work history.? However, I have just recovered from shoulder surgery and was out of work for about 3 months.? I was put on light duty for a while, which decreased my income some.? But now I am back full time.? I realize I have had poor credit in the past but I am doing every thing I can to right this wrong.?

Monthly net income: $3000.00

Monthly expenses: $
??Housing: $ no payments
??Insurance: $ 150.00
??Car expenses: $ 480.00
??Utilities: $ 40.00
??Phone, cable, internet: $ 54.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 400.00
??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
BidderAmount BidAmount WinningBid Date (PT)
DRA-Properties$25.00$25.0012/9/2009 4:03:32 PM
professional-finance$25.00$25.0012/9/2009 4:04:30 PM
Brainworm$25.00$25.0012/9/2009 4:04:21 PM
punctual-worth$25.00$25.0012/9/2009 4:13:10 PM
gracej$25.00$25.0012/9/2009 4:13:14 PM
OskiVentures$25.00$25.0012/9/2009 4:13:15 PM
yeti888$25.00$25.0012/9/2009 4:14:42 PM
kscc183$25.00$25.0012/9/2009 4:12:37 PM
unclejaef$25.00$25.0012/9/2009 4:15:25 PM
orange-vigilance-shower$25.00$25.0012/9/2009 4:14:26 PM
108lender$75.00$75.0012/9/2009 4:15:27 PM
AF-Chief$26.00$26.0012/9/2009 4:16:38 PM
xzec777$25.00$25.0012/9/2009 4:16:19 PM
spsavage$25.00$25.0012/9/2009 4:17:04 PM
sloan$25.00$25.0012/9/2009 4:17:55 PM
SpareChangeHero$25.00$25.0012/9/2009 4:16:15 PM
Cash_Angel$25.00$25.0012/9/2009 4:18:39 PM
natecam$25.00$25.0012/9/2009 4:17:42 PM
bnlforever$25.00$25.0012/9/2009 4:17:45 PM
exact-loan5$30.00$30.0012/9/2009 4:18:56 PM
GElender$25.00$25.0012/9/2009 4:18:08 PM
loanfairy$25.00$25.0012/9/2009 4:17:17 PM
YogaDude34$25.00$25.0012/9/2009 4:17:22 PM
fcb202$25.00$25.0012/9/2009 4:18:31 PM
affluence-tycoon$25.00$25.0012/9/2009 4:17:48 PM
Bank42$50.00$50.0012/9/2009 4:18:48 PM
truth-eclair$25.00$25.0012/9/2009 4:18:00 PM
JGB$25.00$25.0012/9/2009 4:18:35 PM
greenwell$25.00$25.0012/9/2009 4:18:41 PM
loan-master996$50.00$50.0012/9/2009 4:18:46 PM
Palacios$50.00$50.0012/9/2009 4:19:04 PM
flwah$25.00$25.0012/9/2009 4:22:46 PM
order-prospector$25.00$25.0012/9/2009 4:23:29 PM
yield-lion$25.00$25.0012/9/2009 4:23:44 PM
building_community$25.00$25.0012/9/2009 4:22:09 PM
InChicago$25.00$25.0012/9/2009 4:24:17 PM
Hondo$25.00$25.0012/9/2009 4:24:34 PM
SNH$50.00$50.0012/9/2009 4:24:39 PM
supreme-hope$25.00$25.0012/9/2009 4:28:47 PM
Supernick$25.00$25.0012/9/2009 4:28:07 PM
charming-point$200.00$200.0012/9/2009 4:29:27 PM
simplewareinc$31.04$31.0412/9/2009 4:29:50 PM
loyalist1$25.00$25.0012/9/2009 4:28:56 PM
penny-surgeon$25.00$25.0012/9/2009 4:27:58 PM
towering-platinum3$25.00$25.0012/9/2009 4:29:10 PM
the-silver-blaster$50.00$50.0012/9/2009 4:29:39 PM
bondhedger$25.00$25.0012/9/2009 4:40:11 PM
UT-Longhorn$25.00$25.0012/9/2009 4:05:08 PM
poeman$25.00$25.0012/9/2009 4:13:18 PM
Lam0nt$25.00$25.0012/9/2009 4:06:39 PM
MAYBROOK$150.00$150.0012/9/2009 4:13:12 PM
Marsue$25.00$25.0012/9/2009 4:14:11 PM
wise-careful-greenback$25.00$25.0012/9/2009 4:12:35 PM
SDKiwi$25.00$25.0012/9/2009 4:13:16 PM
head$25.00$25.0012/9/2009 4:14:34 PM
ITExec$46.08$46.0812/9/2009 4:16:05 PM
five-star-note$25.00$25.0012/9/2009 4:14:50 PM
fostaman$25.00$25.0012/9/2009 4:16:17 PM
HappyHelpingLender$25.00$25.0012/9/2009 4:16:18 PM
divedude$25.00$25.0012/9/2009 4:16:46 PM
efficient-principal$25.00$25.0012/9/2009 4:16:42 PM
desertoasis$25.00$25.0012/9/2009 4:17:18 PM
rob1971$25.00$25.0012/9/2009 4:18:01 PM
ben10jen$25.00$25.0012/9/2009 4:18:28 PM
gustavzantanon$50.00$50.0012/9/2009 4:17:24 PM
fareast_man$25.00$25.0012/9/2009 4:18:36 PM
AceInTheHole$25.00$25.0012/9/2009 4:16:21 PM
rdecartus$25.00$25.0012/9/2009 4:17:35 PM
salala$25.00$25.0012/9/2009 4:16:23 PM
GMPK_TLAS$25.00$25.0012/9/2009 4:18:44 PM
trustu$25.00$25.0012/9/2009 4:18:50 PM
treasure-bliss$100.00$100.0012/9/2009 4:16:35 PM
TennSquire$25.00$25.0012/9/2009 4:18:52 PM
nowits10$25.00$25.0012/9/2009 4:18:05 PM
secobarbital$25.00$25.0012/9/2009 4:18:11 PM
louisianalender$100.00$100.0012/9/2009 4:18:20 PM
Slowtype$25.00$25.0012/9/2009 4:17:34 PM
54CHEVY$100.00$100.0012/9/2009 4:18:54 PM
mtquan$25.00$25.0012/9/2009 4:18:07 PM
delivery$25.00$25.0012/9/2009 4:18:15 PM
principal-kung-fu$25.00$25.0012/9/2009 4:20:28 PM
Helenska11$25.00$25.0012/9/2009 4:19:09 PM
lagnisiruk$25.00$25.0012/9/2009 4:21:44 PM
unk1911$25.00$25.0012/9/2009 4:22:16 PM
invisible_hand$50.00$50.0012/9/2009 4:22:20 PM
wrighco$25.00$25.0012/9/2009 4:22:27 PM
yngling$25.00$25.0012/9/2009 4:21:43 PM
andrewnar$25.00$25.0012/9/2009 4:22:49 PM
integrity-doctor$50.00$50.0012/9/2009 4:22:31 PM
helping-out$25.00$25.0012/9/2009 4:22:38 PM
reflective-rupee$25.00$25.0012/9/2009 4:23:04 PM
fund-medalist171$25.00$25.0012/9/2009 4:23:10 PM
economy-missile9$25.00$25.0012/9/2009 4:23:36 PM
czar3$25.00$25.0012/9/2009 4:23:41 PM
runner262$25.00$25.0012/9/2009 4:24:38 PM
coin-investor$25.00$25.0012/9/2009 4:29:12 PM
sharkm$25.00$25.0012/9/2009 4:28:18 PM
capital-amplifier$25.00$25.0012/9/2009 4:28:33 PM
asiaratt$100.00$100.0012/9/2009 4:28:00 PM
puifais$25.00$25.0012/9/2009 4:28:04 PM
jhouman$25.00$16.8812/9/2009 4:30:07 PM
Artist_Blue$25.00$25.0012/9/2009 4:28:23 PM
burgeoning-silver$25.00$25.0012/9/2009 4:29:07 PM
elegant-bonus$25.00$25.0012/9/2009 4:29:16 PM
Bob450$25.00$25.0012/9/2009 4:43:43 PM
105 bids
 
Borrower Payment Dependent Notes Series 435476
This series of Notes was issued and sold upon the funding of the borrower loan #39860, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Nov-30-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.17% Starting monthly payment: $58.81
Final lender yield: 31.50% Final borrower rate/APR: 32.50% / 35.62% Final monthly payment: $56.98
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 19.85%  
Lender servicing fee: 1.00% Estimated return: 11.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Feb-1998 Debt/Income ratio: 50%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:12y 2m
Amount delinquent: $0 Revolving credit balance: $12,681 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 9    
Screen name: neighborly-interest4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
repair on my car
Purpose of loan:
This loan will be used to?
car repair????????
My financial situation:
I am a good candidate for this loan because?
my credit is good????
Monthly net income: $2,336.56

Monthly expenses: $
??Housing: $ military BAH????
??Insurance: $ 238.
??Car expenses: $ 491
??Utilities: $ 0.00
??Phone, cable, internet: $ 19.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $100
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loss-of-control$25.00$25.0012/1/2009 6:52:50 PM
sirguyon$25.00$25.0012/1/2009 7:03:20 PM
bankbuddy55$25.00$25.0012/3/2009 6:45:50 AM
SolarMoonshine$25.00$25.0012/3/2009 9:09:17 AM
plaudvr07$25.00$25.0012/3/2009 9:09:20 AM
mrxtravis$26.00$26.0012/4/2009 7:07:20 AM
SouthernRemarketing$25.00$25.0012/5/2009 6:30:31 AM
aztec$50.00$50.0012/6/2009 10:12:43 AM
TakeCare$100.00$100.0012/6/2009 8:31:14 PM
kinetic-social$25.00$25.0012/7/2009 9:08:40 AM
loan-eagle9$25.00$25.0012/7/2009 8:52:24 AM
nikkky2000$50.00$35.4012/7/2009 9:17:24 AM
SNH$50.00$50.0011/30/2009 4:21:59 PM
leam$71.87$71.8712/1/2009 11:38:06 AM
unk1911$25.00$25.0012/1/2009 11:00:37 AM
loss-of-control$50.00$50.0012/1/2009 6:52:08 PM
Gbrad88$200.00$200.0012/2/2009 6:20:19 PM
Integrity1st$25.44$25.4412/2/2009 8:02:20 PM
doctorgrab$29.41$29.4112/4/2009 5:52:07 PM
the-profit-oracle$25.00$25.0012/5/2009 10:14:03 AM
rospa$50.00$50.0012/5/2009 2:00:51 PM
Integrity1st$25.44$25.4412/6/2009 7:30:42 AM
peso-bonaza$25.00$25.0012/6/2009 8:24:47 AM
Integrity1st$25.44$25.4412/6/2009 5:00:07 PM
carmat60$50.00$50.0012/6/2009 6:55:21 PM
lender12345$25.00$25.0012/6/2009 7:42:55 PM
marybennet$25.00$25.0012/7/2009 1:34:07 AM
rvfbroker$25.00$25.0012/7/2009 8:33:01 AM
just-trade0$36.00$36.0012/7/2009 8:40:10 AM
PotBellyPete$75.00$75.0012/7/2009 8:45:35 AM
glenium$25.00$25.0012/7/2009 9:17:46 AM
forthright-trade$25.00$25.0012/7/2009 9:23:49 AM
32 bids
 
Borrower Payment Dependent Notes Series 435546
This series of Notes was issued and sold upon the funding of the borrower loan #39948, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Nov-30-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $72.30
Final lender yield: 9.00% Final borrower rate/APR: 10.00% / 12.11% Final monthly payment: $64.53
 
Auction yield range: 4.20% - 17.00% 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: Nov-1992 Debt/Income ratio: 10%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:18y 6m
Amount delinquent: $0 Revolving credit balance: $3,878 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: mukut Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
700-719 (Jul-2009)
720-739 (Jul-2008)
 
Principal balance: $7,153.78 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Fix heat pump, lower electric bill
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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Johnab$50.00$50.0012/2/2009 5:24:56 PM
qkinger$50.00$50.0012/3/2009 10:57:02 PM
martymaniaman$25.00$25.0012/4/2009 6:16:44 AM
golffish2$100.00$100.0012/4/2009 9:08:54 AM
JCPlending$25.00$25.0012/4/2009 6:11:13 PM
copiosus$25.00$25.0012/4/2009 6:58:11 PM
estancias$25.00$25.0012/5/2009 3:46:05 AM
rmpedi33$150.00$150.0012/5/2009 7:55:30 AM
ALANGREANSPAN$25.00$25.0012/5/2009 8:25:56 AM
JDLanier$25.00$25.0012/5/2009 10:10:38 PM
dmitriy2$25.00$25.0012/6/2009 4:40:49 PM
jybank$25.00$25.0012/6/2009 8:55:53 PM
Snoopylover$25.00$25.0012/7/2009 6:10:02 AM
generous-deal6$25.00$25.0012/7/2009 8:04:01 AM
heerzaquestion$30.00$30.0012/7/2009 7:48:12 AM
brightest-economy-tsunami$25.00$25.0012/7/2009 7:57:15 AM
turbospeed$25.00$25.0011/30/2009 10:42:24 AM
hellasow$30.00$30.0011/30/2009 11:10:51 AM
availableloan$25.00$25.0011/30/2009 11:39:25 AM
market-jam$32.39$5.0111/30/2009 1:26:08 PM
outofoffice$75.00$75.0011/30/2009 4:22:53 PM
Syzygy$25.00$25.0011/30/2009 5:06:22 PM
LittleMingo$25.00$25.0012/2/2009 12:17:03 PM
dudebrah$25.00$25.0012/2/2009 3:01:02 PM
duty-kung-fu$25.00$25.0012/2/2009 3:17:36 PM
rcs2003$46.97$46.9712/4/2009 11:45:49 AM
rce1964$25.00$25.0012/4/2009 12:41:19 PM
marwadi-62$200.00$200.0012/4/2009 3:15:30 PM
MoneyTree79$25.00$25.0012/4/2009 3:45:58 PM
TechieLender$53.24$53.2412/4/2009 3:42:54 PM
helping-out$30.00$30.0012/4/2009 9:45:47 PM
oldman68$25.00$25.0012/4/2009 11:26:34 PM
JerryB96$25.00$25.0012/5/2009 8:12:50 AM
HealthAndSafety$50.00$50.0012/5/2009 4:30:39 PM
reBuild-America$25.00$25.0012/5/2009 5:05:03 PM
the-silver-blaster$50.00$50.0012/5/2009 6:21:08 PM
dontscrewmeover1$50.00$50.0012/5/2009 5:38:22 PM
lender12345$25.00$25.0012/5/2009 7:42:35 PM
TakeCare$50.00$50.0012/6/2009 8:41:31 PM
ptjg$40.00$40.0012/7/2009 1:43:25 AM
scloans$25.00$25.0012/7/2009 1:57:15 AM
Brklyn01$60.00$60.0012/7/2009 7:36:50 AM
MoneyForNothing$25.00$25.0012/7/2009 7:22:40 AM
MStackIV$25.00$25.0012/7/2009 9:22:49 AM
nikkky2000$75.00$75.0012/7/2009 9:23:54 AM
bnordman$29.78$29.7812/7/2009 8:11:11 AM
friendinmoney$100.00$100.0012/7/2009 9:14:40 AM
ImaPutz$25.00$25.0012/7/2009 9:26:07 AM
48 bids
 
Borrower Payment Dependent Notes Series 435596
This series of Notes was issued and sold upon the funding of the borrower loan #39945, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 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: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $496.36
Final lender yield: 27.00% Final borrower rate/APR: 28.00% / 30.35% Final monthly payment: $496.36
 
Auction yield range: 11.20% - 27.00% Estimated loss impact: 10.67%  
Lender servicing fee: 1.00% Estimated return: 16.33%  
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: 7 First credit line: Apr-1983 Debt/Income ratio: 17%
Credit score: 700-719 (Nov-2009) Current / open credit lines: 22 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:15y 2m
Amount delinquent: $0 Revolving credit balance: $123,712 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: tourguide Borrower's state: NorthCarolina Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 56 ( 100% ) 700-719 (Latest)
Principal borrowed: $20,600.00< mo. late: 0 ( 0% )  
680-699 (Jan-2008)
700-719 (Nov-2006)
 
Principal balance: $6,643.23 1+ mo. late: 0 ( 0% )
Total payments billed: 56  
Description
My Daughter's Wedding
This is my 2nd child getting married in less than 5 months time. The wedding is?2 weeks away. I need some help paying for this one,
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please list the balances of each of your debts (including mortgage and HELOC) and please indicate the current value of your house. thanks. - reflective-rupee
A: Mortgage 162km HELOC 54k (Dec-02-2009)
Q: Please indicate your monthly net income and expenses. thanks - reflective-rupee
A: Monthly Gross is approx $15k (Dec-02-2009)
Q: Please indicate your take home pay (net of taxes and other deductions) per month, and please indicate your total monthly expenses. thanks - reflective-rupee
A: Take home approx $9k Mortage & HELOC $1.7k Utilites, Tel and Cable $0.4k No car - it is provided by my company Prosper loan $0.5k credit cards etc $2k (Dec-02-2009)
Q: Please indicate the approximate current value of your house, using www.zillow.com. thanks - reflective-rupee
A: $228K (Dec-02-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
currency-bumblebee$25.00$25.0011/30/2009 9:36:35 AM
CA_Lender$25.00$25.0011/30/2009 9:42:28 AM
ekmendenhall$25.00$25.0011/30/2009 10:45:43 AM
reflective-rupee$500.00$500.0011/30/2009 4:43:27 PM
JohnSmallberries$25.00$25.0011/30/2009 4:28:27 PM
reflective-rupee$100.00$100.0011/30/2009 4:42:28 PM
the-profit-oracle$25.00$25.0012/1/2009 9:36:09 AM
loss-of-control$50.00$50.0012/1/2009 7:37:14 PM
reflective-rupee$500.00$500.0012/2/2009 9:33:35 AM
well-mannered-income3$75.00$75.0012/2/2009 12:57:04 PM
forthright-dedication$25.00$25.0012/2/2009 2:02:29 PM
wildanne$50.00$50.0012/2/2009 3:35:11 PM
reflective-rupee$1,000.00$1,000.0012/2/2009 8:06:53 PM
SeaSkyGuy71$25.00$25.0012/2/2009 10:30:14 PM
well-mannered-income3$100.00$100.0012/3/2009 7:40:54 AM
Defuser$50.00$50.0012/3/2009 7:36:59 AM
shawnw2$47.42$47.4212/3/2009 9:39:40 AM
reciprocate$100.00$100.0012/3/2009 1:58:46 PM
dt_one$25.00$25.0012/3/2009 2:41:28 PM
well-mannered-income3$75.00$75.0012/3/2009 5:22:08 PM
vest_vortex$50.00$50.0012/3/2009 5:45:24 PM
durability-mad-scientist4$100.00$100.0012/3/2009 10:03:21 PM
well-mannered-income3$40.00$40.0012/4/2009 8:08:00 AM
friendinmoney$50.00$50.0012/4/2009 10:57:57 AM
113121$25.00$25.0012/4/2009 11:13:59 AM
credit-coach118$35.00$35.0012/4/2009 12:22:14 PM
brother_tam$150.00$150.0012/4/2009 7:54:03 PM
371millwood$200.00$200.0012/4/2009 10:27:49 PM
rmpedi33$50.00$50.0012/5/2009 8:05:29 AM
loss-of-control$50.00$50.0012/5/2009 11:37:32 AM
mtnsofutah$25.00$25.0012/5/2009 9:21:53 PM
srthsvghdthtr$25.00$25.0012/6/2009 2:42:16 PM
113121$6,535.45$3,935.5312/6/2009 2:41:52 PM
CatbirdBanking$25.00$25.0012/6/2009 9:16:55 PM
TakeCare$100.00$100.0012/6/2009 8:47:22 PM
TakeCare$200.00$200.0012/6/2009 8:47:56 PM
wasaabi$84.34$84.3412/7/2009 5:10:52 AM
umfan123$25.00$25.0012/7/2009 6:49:16 AM
squarebob$50.00$50.0012/7/2009 7:15:49 AM
friendinmoney$50.00$50.0012/7/2009 9:18:46 AM
Engineer44$25.00$25.0012/7/2009 9:27:30 AM
reflective-rupee$100.00$100.0011/30/2009 9:42:26 AM
chrisb1414$25.00$25.0011/30/2009 10:07:18 AM
buphigam$25.00$25.0011/30/2009 11:10:54 AM
reflective-rupee$50.00$50.0011/30/2009 11:37:19 AM
reflective-rupee$50.00$50.0011/30/2009 1:41:13 PM
reflective-rupee$50.00$50.0011/30/2009 2:27:55 PM
five-star-note$35.00$35.0011/30/2009 4:19:27 PM
Aberdeen$300.00$300.0011/30/2009 4:22:16 PM
reflective-rupee$25.00$25.0011/30/2009 4:13:41 PM
reflective-rupee$50.00$50.0011/30/2009 4:42:45 PM
five-star-note$30.00$30.0011/30/2009 4:21:49 PM
reflective-rupee$100.00$100.0011/30/2009 4:42:15 PM
reflective-rupee$50.00$50.0011/30/2009 4:42:57 PM
RainyDayFunds$25.00$25.0011/30/2009 10:08:18 PM
Bob450$25.00$25.0011/30/2009 10:18:08 PM
reflective-rupee$150.00$150.0012/1/2009 2:04:14 PM
nickel-pipeline$25.00$25.0012/2/2009 2:25:15 PM
newbietony$30.00$30.0012/2/2009 3:21:46 PM
well-mannered-income3$100.00$100.0012/2/2009 5:08:50 PM
SolarMoonshine$200.00$200.0012/3/2009 7:01:16 AM
loyalist1$25.00$25.0012/3/2009 7:31:41 AM
mercuriant$25.00$25.0012/3/2009 9:40:02 AM
well-mannered-income3$40.00$40.0012/3/2009 1:41:20 PM
reflective-rupee$500.00$500.0012/3/2009 7:49:25 PM
wattboy$42.71$42.7112/3/2009 8:05:14 PM
bestloanrate$50.00$50.0012/4/2009 10:46:01 AM
reflective-rupee$720.00$720.0012/4/2009 12:20:45 PM
nickel-pipeline$35.00$35.0012/5/2009 8:03:50 AM
GyJAV_BNCCo$25.00$25.0012/5/2009 1:06:21 PM
loss-of-control$25.00$25.0012/6/2009 2:25:04 PM
honorable-yield$50.00$50.0012/6/2009 11:48:39 AM
bondhedger$25.00$25.0012/6/2009 4:40:20 PM
Ray3486$25.00$25.0012/6/2009 6:02:26 PM
wowlender$25.00$25.0012/6/2009 8:58:48 PM
carmat60$25.00$25.0012/6/2009 7:08:38 PM
lender12345$25.00$25.0012/6/2009 7:31:35 PM
Kash2010lu$25.00$25.0012/6/2009 9:26:31 PM
Rip128$50.00$50.0012/7/2009 6:26:54 AM
professional-finance$25.00$25.0012/7/2009 3:34:43 AM
Skeptical-one$200.00$200.0012/7/2009 8:05:08 AM
icon7$25.00$25.0012/7/2009 7:11:08 AM
buffalobills$25.00$25.0012/7/2009 8:09:51 AM
Skeptical-one$200.00$200.0012/7/2009 8:05:57 AM
exciting-fairness$200.00$200.0012/7/2009 8:39:05 AM
85 bids
 
Borrower Payment Dependent Notes Series 435642
This series of Notes was issued and sold upon the funding of the borrower loan #39913, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,550.00 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% / 37.45% Starting monthly payment: $115.35
Final lender yield: 27.11% Final borrower rate/APR: 28.11% / 30.46% Final monthly payment: $105.63
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.94%  
Lender servicing fee: 1.00% Estimated return: 11.17%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-2001 Debt/Income ratio: 33%
Credit score: 600-619 (Nov-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $6,597 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: hgcrockett 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 historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 43 ( 90% ) 600-619 (Latest)
Principal borrowed: $10,000.00< mo. late: 5 ( 10% )  
620-639 (Oct-2009)
600-619 (Jul-2008)
540-559 (Nov-2007)
520-539 (Oct-2006)
 
Principal balance: $2,126.37 1+ mo. late: 0 ( 0% )
Total payments billed: 48  
Description
Third prosper loan! Thanks prosper!
AS you can see from my past history I have been in very good shape financially for a while including paying off my last prosper loan a few months early.? I have gone up over 120 credit points in two years!? I have no idea how that makes me an?E but I can't tell you how much prosper has changed my life.? There were times when I was getting out of the car business and working for ATT I didn't think I was going to make it.? I have under 10,000 left to pay off including my car which is most of it at a very high interest rate.? I would love to just have one payment each month and if anyone should be getting the interest I pay it definetly should be prosper!!!

Monthly Net Income (after taxes) -?3800- My wife's - 2000 (after taxes)? Both of us work with commission which is not included in those numbers.

1. Rent - $700(all utilities paid )
2. Wifes's car payment and insurance - $309
3. My car payment and insurance - $300
4. Credit cards and Store cards - $300
5. American general loan -$168
6. Food, Gas, and misc.? - $580
7. Going out a couple times a month for dinner and movie - $140
8. Current prosper payment - $120

Expenses - $3000 ... Total money left over - $2800

We recently moved out?to get?back on our feet with some friends.? We are living in the basement only paying 700 dollars a month and that includes everything.? I promise you just help me and we will both be happy!!!

????As far as what the loan will be used to pay off I will make a list below-?

Mostly my car which has a payoff of $8200.? I went to harris bank and they agreed to refinance my car but only valued it at 5000 dollars.? Since listing a couple of times I have lowered it down the payoff to $7000.? So most of it would go towards the payoff of the car.? The rest will go to the small amounts I have left on my credit cards.? Thank you for everything you have helped me with bidders.? I can't tell you how much this website has changed my life!!!

In ending being in the job I was at there was good times and bad.? I love where I am at now and as you can see I haven't missed a payment in 6 years.? Credit is extremely important to me.? And although I have to get things in order there will never ever be? a time when I am over 30 days late.? I would love for a little help from the people that were there for me before.?I have gone from an HR to a D and promise to strive to make it too an AA.? Hopefully you'll be here to help me once again!!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SolarMoonshine$50.00$50.0012/2/2009 7:24:54 PM
donlenboy$50.00$50.0012/3/2009 11:12:11 AM
FarmersBank$26.97$26.9712/3/2009 2:14:27 PM
reflective-rupee$25.00$25.0012/3/2009 12:02:07 PM
PrinceValium$25.00$25.0012/3/2009 10:06:06 PM
a-finance-nirvana$100.00$100.0012/4/2009 3:34:48 AM
Jinja$25.18$25.1812/4/2009 8:47:18 AM
99Lender$25.00$25.0012/4/2009 9:14:30 AM
Bobusa$25.00$25.0012/4/2009 1:21:54 PM
Feyenoord$25.00$25.0012/4/2009 4:58:24 PM
payontime1$50.00$50.0012/4/2009 9:09:16 PM
123pickme$25.00$25.0012/5/2009 6:11:11 AM
helping-out$40.00$40.0012/5/2009 5:15:04 PM
evergreen16$80.00$80.0012/5/2009 5:49:35 PM
Kash2010lu$25.00$25.0012/6/2009 9:42:51 AM
winger66$28.08$28.0812/6/2009 7:27:09 AM
Moe87$26.77$26.7712/6/2009 7:50:57 AM
new-truth-chuckler$41.84$41.8412/6/2009 10:14:32 AM
tigercat$50.00$50.0012/6/2009 2:01:08 PM
carmat60$25.00$25.0012/6/2009 7:12:43 PM
cash2lendu$50.00$50.0012/6/2009 8:35:39 PM
TakeCare$200.00$200.0012/6/2009 8:53:05 PM
Lend2006$25.00$25.0012/6/2009 10:13:12 PM
reflective-rupee$25.00$25.0012/7/2009 7:56:23 AM
Bob450$25.00$25.0012/7/2009 8:12:15 AM
mn$30.00$30.0012/7/2009 7:23:14 AM
vest_vortex$50.00$50.0012/7/2009 9:14:53 AM
kinetic-social$25.00$25.0012/7/2009 9:19:00 AM
myutmost$25.00$25.0012/7/2009 7:40:19 AM
reflective-rupee$25.00$25.0012/7/2009 7:56:49 AM
Skeptical-one$50.00$50.0012/7/2009 7:58:14 AM
eclipse056$25.00$25.0012/7/2009 8:34:45 AM
just-trade0$36.00$36.0012/7/2009 8:49:27 AM
the-profit-oracle$25.00$25.0012/1/2009 6:44:37 PM
loss-of-control$50.00$50.0012/1/2009 7:51:55 PM
quicksilver70$25.00$25.0012/2/2009 7:05:18 PM
givetolive$25.00$25.0012/3/2009 1:40:35 PM
lender12345$25.00$25.0012/3/2009 1:55:45 PM
nurat$40.00$40.0012/4/2009 10:15:48 AM
realtormoises$25.00$25.0012/4/2009 11:17:45 AM
JayIsABear$44.10$44.1012/4/2009 2:26:35 PM
RKLFinancial$56.38$56.3812/4/2009 4:34:48 PM
SouthernRemarketing$25.00$25.0012/5/2009 6:32:21 AM
CincyTex$50.00$50.0012/5/2009 8:28:46 AM
aztec$50.00$50.0012/6/2009 10:21:36 AM
peso-bonaza$25.00$25.0012/6/2009 8:34:28 AM
ValyaLibra01$100.00$100.0012/6/2009 12:26:12 PM
rubylender$25.00$25.0012/6/2009 4:38:48 PM
loss-of-control$25.00$25.0012/6/2009 2:27:15 PM
brother_tam$200.00$32.6812/6/2009 4:11:22 PM
reflective-rupee$25.00$25.0012/6/2009 8:57:56 PM
coloradocash$25.00$25.0012/6/2009 8:25:54 PM
People-for-people$50.00$50.0012/7/2009 7:21:32 AM
mlj0671$27.00$27.0012/7/2009 6:31:49 AM
fatboy888$25.00$25.0012/7/2009 6:37:20 AM
ihelpunow$50.00$50.0012/7/2009 8:36:27 AM
credit-coach118$25.00$25.0012/7/2009 9:07:24 AM
squarebob$50.00$50.0012/7/2009 7:18:29 AM
honorable-yield$25.00$25.0012/7/2009 7:23:27 AM
MoneyForNothing$25.00$25.0012/7/2009 7:29:53 AM
Bikerider$60.00$60.0012/7/2009 8:18:45 AM
heerzaquestion$30.00$30.0012/7/2009 8:55:10 AM
sflash$25.00$25.0012/7/2009 9:18:49 AM
quickstep$100.00$100.0012/7/2009 9:22:03 AM
64 bids
 
Borrower Payment Dependent Notes Series 436160
This series of Notes was issued and sold upon the funding of the borrower loan #39930, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 33.00% Final borrower rate/APR: 34.00% / 36.44% Final monthly payment: $111.68
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 19.95%  
Lender servicing fee: 1.00% Estimated return: 13.05%  
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: Apr-1999 Debt/Income ratio: 12%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $3,475 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 81%Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Homeownership: No  
Inquiries last 6m: 5    
Screen name: the-wealth-seeker Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
540-559 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
Prosper Success!
Purpose of loan:
This loan will be used to??
Consolidate two credit cards into one monthly payment. Previous Prosper loan paid off successfully!?


My financial situation:
I am a good candidate for this loan because?
Although my credit score is not where I would like it to be, I have never missed a car payment, rent payment, utility payment, etc.?I keep my expenses in check and am very aware of where every penny goes. Prosper helped me get the cushion I needed to get through a rough patch last time, this one is to continue on the right path & get to total debt elimination. Past year has been kind - income has gone up, moved into a new place w/ option to purchase, working a second job part-time that has very lucrative potential. ?

Monthly net income: $ 3500.00????

Monthly expenses: $
??Housing: $ 1250.00
??Insurance: $ 100.00
??Car expenses: $ 100.00?
??Utilities: $ 100.00
??Phone, cable, internet: $200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 400.00?
??Other expenses: $ 50
? Prosper Loan Payment:
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Appreciate your on-time payments on your previous loan, but please explain the public record and delinquincies shown on your listing. Please answer publicly. Thanks, and good luck with your listing. - tigercat
A: Previous bankruptcy due to failed career change. Commission only position, used credit to fill in the gaps. When I realized position was not for me, balances were high. Attempted credit counseling with several firms, all told me that I made too much money to qualify and had no choice but to file. With much regret, I filed. Bothered me a great deal, learned from my mistakes, continue to move onward and upward. (Dec-03-2009)
Q: see my page please. - Tono
A: Thanks for the tip. $2500 total expenses. (Dec-08-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.0012/2/2009 4:35:50 PM
fortytwo$120.05$120.0512/2/2009 6:58:17 PM
Bob450$25.00$18.7512/2/2009 9:15:51 PM
unk1911$25.00$25.0012/7/2009 10:12:48 AM
mrxtravis$68.77$68.7712/7/2009 7:39:58 PM
Unitas4302$250.00$250.0012/8/2009 5:29:51 PM
loss-of-control$25.00$25.0012/8/2009 6:14:23 PM
Kash2010lu$25.00$25.0012/8/2009 6:26:10 PM
helping-out$30.00$30.0012/8/2009 5:34:48 PM
Land_on_your_feet$50.00$50.0012/8/2009 7:12:24 PM
boo_hoo$50.00$50.0012/8/2009 8:17:02 PM
Bob450$25.00$25.0012/8/2009 8:25:37 PM
TakeCare$30.00$30.0012/9/2009 9:21:25 AM
silvercertificate$25.81$25.8112/9/2009 10:57:23 AM
CaliforniaSun$25.00$25.0012/9/2009 10:34:08 AM
djkaiser$25.00$25.0012/9/2009 10:48:40 AM
fireferd$100.00$100.0012/9/2009 1:39:15 PM
dudebrah$35.00$35.0012/9/2009 1:57:58 PM
BankofBeth$25.00$25.0012/9/2009 2:33:08 PM
efficient-bid2$25.00$25.0012/9/2009 3:16:16 PM
interloode$150.00$150.0012/9/2009 3:23:36 PM
Feyenoord$50.00$50.0012/9/2009 3:36:45 PM
kinetic-social$25.00$25.0012/9/2009 3:42:59 PM
wealth-pipeline$25.00$25.0012/3/2009 9:34:20 AM
SolarMoonshine$50.00$50.0012/4/2009 7:26:54 PM
mrxtravis$50.00$50.0012/4/2009 8:21:56 PM
double22$50.00$50.0012/7/2009 3:43:17 PM
visionary-deal3$79.51$79.5112/8/2009 12:09:20 AM
currency-bumblebee$50.00$50.0012/8/2009 10:39:18 AM
SNH$50.00$50.0012/8/2009 3:22:07 PM
brother_tam$200.00$200.0012/8/2009 5:03:53 PM
Tono$25.00$25.0012/8/2009 5:27:58 PM
lender12345$25.00$25.0012/8/2009 7:54:21 PM
himistu22$25.00$25.0012/8/2009 8:51:35 PM
pietro_torna_indietro$25.00$25.0012/8/2009 8:46:38 PM
boodo$215.51$215.5112/9/2009 9:13:27 AM
GyJAV_BNCCo$25.00$25.0012/9/2009 9:54:16 AM
Happy-Man$25.00$25.0012/9/2009 10:06:27 AM
JBG$25.00$25.0012/9/2009 10:25:14 AM
RecoveryLender$25.00$25.0012/9/2009 12:11:13 PM
peso-bonaza$25.00$25.0012/9/2009 2:27:21 PM
Feyenoord$31.60$31.6012/9/2009 2:51:44 PM
friendinmoney$25.00$25.0012/9/2009 2:53:58 PM
reflective-rupee$25.00$25.0012/9/2009 3:00:46 PM
squarebob$40.00$40.0012/9/2009 2:54:56 PM
reflective-rupee$25.00$25.0012/9/2009 3:17:19 PM
PotBellyPete$30.00$30.0012/9/2009 3:31:47 PM
wise-repayment-seeker$25.00$25.0012/9/2009 3:14:59 PM
nikkky2000$75.00$75.0012/9/2009 3:54:58 PM
49 bids
 
Borrower Payment Dependent Notes Series 437006
This series of Notes was issued and sold upon the funding of the borrower loan #39863, 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:  Dec-07-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 30.01% Starting monthly payment: $61.56
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.99% Final monthly payment: $60.76
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Dec-2001 Debt/Income ratio: 17%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:1y 9m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bid-chomper 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
Unexpected Financial Burden
Purpose of loan:
This loan will be used to pay for back rent on an apartment that I co-signed for my brother. The rent is?one month behind and my credit hangs in the balance. I'm trying to pay it off before any further action is taken.

My financial situation:
I am a good candidate for this loan because I live with my parents and don't have a lot of expenses.? I will be able to pay it back in a timely fashion. I am always on time on my bills and have been for the past several years.

Monthly net income: $1,950

Monthly expenses: $
??Housing: $
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $50
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Tammy102800$25.00$25.0012/7/2009 4:35:56 PM
flwah$25.00$25.0012/7/2009 4:41:35 PM
the-silver-blaster$75.00$75.0012/7/2009 4:36:05 PM
visionary-currency$50.00$50.0012/7/2009 4:38:09 PM
favorite-durability$25.00$25.0012/7/2009 4:38:20 PM
scho0590$25.00$25.0012/7/2009 4:37:11 PM
helping-out$25.00$25.0012/7/2009 4:38:47 PM
order-prospector$25.00$25.0012/7/2009 4:46:22 PM
cocobear$25.00$25.0012/7/2009 4:44:04 PM
doublediamond$25.00$25.0012/7/2009 4:43:37 PM
czar3$25.00$25.0012/7/2009 4:46:37 PM
yield-lion$25.00$25.0012/7/2009 4:46:41 PM
five-star-note$25.00$25.0012/7/2009 5:06:11 PM
sharkm$25.00$25.0012/7/2009 5:34:42 PM
penny-surgeon$25.00$25.0012/7/2009 5:33:16 PM
AF-Chief$28.00$28.0012/7/2009 5:37:35 PM
loan-scientist8$25.00$25.0012/7/2009 5:42:18 PM
burgeoning-silver$25.00$25.0012/7/2009 5:39:54 PM
Artist_Blue$25.00$25.0012/7/2009 5:36:00 PM
a-resplendent-commitment$25.00$25.0012/7/2009 5:42:45 PM
charming-point$200.00$122.0012/7/2009 5:43:02 PM
coin-investor$25.00$25.0012/7/2009 5:40:06 PM
capital-amplifier$25.00$25.0012/7/2009 5:36:20 PM
alex189a$25.00$25.0012/7/2009 5:41:40 PM
integrity-doctor$50.00$50.0012/7/2009 4:37:40 PM
Hondo$25.00$25.0012/7/2009 4:39:07 PM
andrewnar$25.00$25.0012/7/2009 4:41:48 PM
economy-missile9$25.00$25.0012/7/2009 4:46:30 PM
gaileyb$25.00$25.0012/7/2009 4:42:31 PM
fund-medalist171$25.00$25.0012/7/2009 4:44:52 PM
reflective-rupee$25.00$25.0012/7/2009 4:44:25 PM
Unitas4302$50.00$50.0012/7/2009 4:52:16 PM
yeti888$25.00$25.0012/7/2009 5:04:12 PM
asiaratt$100.00$100.0012/7/2009 5:33:21 PM
puifais$25.00$25.0012/7/2009 5:33:43 PM
Supernick$25.00$25.0012/7/2009 5:33:55 PM
treasure-bliss$100.00$100.0012/7/2009 5:34:55 PM
MylesNH$25.00$25.0012/7/2009 5:42:16 PM
HarryRoberts$50.00$50.0012/7/2009 5:42:37 PM
elegant-bonus$25.00$25.0012/7/2009 5:40:23 PM
supreme-hope$25.00$25.0012/7/2009 5:37:27 PM
DER$50.00$50.0012/7/2009 5:41:25 PM
towering-platinum3$25.00$25.0012/7/2009 5:40:01 PM
43 bids