Sales Report:Supplement No. 98 dated Dec 15, 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 421645
This series of Notes was issued and sold upon the funding of the borrower loan #39896, 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: 8.0% Auction start date:  Dec-08-2009 
  Auction end date:  Dec-11-2009 
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 27.57% Starting monthly payment: $39.08
Final lender yield: 21.50% Final borrower rate/APR: 22.50% / 26.34% Final monthly payment: $38.45
 
Auction yield range: 8.20% - 22.70% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Oct-1997 Debt/Income ratio: 29%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 17Length of status:6y 4m
Amount delinquent: $46 Revolving credit balance: $959 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: ADE6812 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
640-659 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Unexpected Expense!
I need the money to help with some unexpected expenses that put a hinderence on my?Holiday Shopping! Thank you so much & Happy Holidays!
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)
loyalist1$25.00$25.0012/8/2009 4:40:36 PM
tnjohnso$25.00$25.0012/8/2009 4:43:47 PM
SolarMoonshine$100.00$100.0012/8/2009 6:17:31 PM
Bob450$25.00$25.0012/8/2009 9:30:20 PM
the-profit-oracle$25.00$25.0012/8/2009 9:24:55 PM
Myrick$25.00$25.0012/9/2009 3:40:35 AM
Bank_Of_XL$25.00$25.0012/9/2009 4:53:41 PM
CA_Lender$25.00$25.0012/9/2009 6:39:32 PM
felicity-daydream$50.00$50.0012/9/2009 7:04:09 PM
ONECENTATATIME$50.00$50.0012/10/2009 5:40:22 AM
loans_to_loan$25.00$25.0012/10/2009 5:53:25 AM
jeffe43$50.00$50.0012/10/2009 11:19:50 AM
SkinnyFish$25.00$25.0012/10/2009 1:46:48 PM
bondhedger$25.00$25.0012/10/2009 1:50:21 PM
wise-balanced-moola$25.00$10.0012/10/2009 1:57:17 PM
professional-finance$25.00$25.0012/10/2009 2:12:11 PM
killercars$50.00$50.0012/11/2009 9:52:45 AM
Syzygy$25.00$25.0012/11/2009 2:11:08 PM
Capit0l$25.00$25.0012/11/2009 11:29:10 AM
jybank$25.00$25.0012/11/2009 1:26:33 PM
Brown98$25.00$25.0012/8/2009 6:17:37 PM
foothillender$25.00$25.0012/9/2009 8:06:00 AM
helping-out$40.00$40.0012/9/2009 4:06:35 PM
2seriousteachers$25.00$25.0012/10/2009 10:08:55 AM
economy-youngster$25.00$25.0012/10/2009 10:16:33 AM
marwadi-62$100.00$100.0012/10/2009 6:19:37 PM
prudent-gain7$25.00$25.0012/11/2009 7:24:50 AM
zxr$25.00$25.0012/11/2009 7:10:32 AM
wwwUniversal$25.00$25.0012/11/2009 3:37:02 AM
impartial-deal$25.00$25.0012/11/2009 11:26:34 AM
30 bids
 
Borrower Payment Dependent Notes Series 435407
This series of Notes was issued and sold upon the funding of the borrower loan #39972, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,200.00 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $82.89
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $76.26
 
Auction yield range: 8.20% - 20.00% Estimated loss impact: 6.81%  
Lender servicing fee: 1.00% Estimated return: 7.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-2002 Debt/Income ratio: 22%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $29,758 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: mcgeemp Borrower's state: Virginia Borrower's group: MONEY DIES
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 2 Credit Cards
Purpose of loan:
I have?2 cards totaling $2200 that would like to pay off.? This would greatly reduce the interest rate rather then continue to pay with the card company.

My financial situation:
I manage a retail wireless store of?a solid company.? In addition my wife is expecting to start teaching within the next year (we had been waiting for our daughter to get a bit older for her to start teaching).? That will be additional income currently not reported.
In addition, I have a rental in my basement and an additional rental property (townhouse).? Both renters are very mature college graduates (one has?her masters degree) and have solid rental histories. This would be additional income to offset expenses listed in my credit report.


Monthly net income: $?
Average $3100 net.

Rental:
Both units total: $1270 / monthly
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 mcgeemp, Could you please list your credit cards, amount, and rates? Thanks. - golffish2
A: Hey golffish2, no problem. Card 1: $1635 29.99% Card 2: $622 31.99% Both of these are at Chase. One was elsewhere but Chase took it over. I am just attempting to clamp down on sectors of debt (mortgages, car, student loans, Cards, etc.) and attacking the highest interest rates first. (Dec-01-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
dudebrah$25.00$25.0012/2/2009 2:56:53 PM
srthsvghdthtr$25.00$25.0012/3/2009 9:13:51 AM
Syzygy$25.00$25.0012/3/2009 3:18:39 PM
Sol_Invictus$25.00$25.0012/4/2009 4:38:04 AM
jchurchi$29.41$29.4112/4/2009 10:47:00 AM
FundMaker$25.00$25.0012/4/2009 2:23:12 PM
Erikdbp$25.00$25.0012/4/2009 4:27:33 PM
durability-colonel$50.00$50.0012/4/2009 6:11:29 PM
Busekrc$25.00$25.0012/4/2009 8:56:36 PM
sunnysally$25.00$25.0012/4/2009 7:58:57 PM
jasunshine$25.00$25.0012/6/2009 8:56:47 AM
MattProsper$100.00$100.0012/6/2009 1:02:32 PM
the-profit-oracle$25.00$25.0012/6/2009 1:40:29 PM
UCSBGAUCHOS$26.00$26.0012/6/2009 9:50:26 PM
BeeHive$25.00$25.0012/6/2009 8:14:13 PM
CaliforniaSun$25.00$25.0012/6/2009 10:27:04 PM
Johnab$25.00$25.0012/7/2009 5:01:53 AM
generous-deal6$30.00$30.0012/7/2009 8:03:30 AM
glowman76$25.00$25.0012/7/2009 9:12:20 AM
elvisloans$50.00$50.0012/7/2009 7:50:46 AM
zento$25.00$25.0012/7/2009 7:52:33 AM
fireferd$100.00$100.0012/7/2009 8:25:17 AM
P2PHelper$25.00$25.0012/7/2009 8:46:05 AM
Kyileo$50.00$50.0012/7/2009 8:48:07 AM
friendinmoney$50.00$50.0012/7/2009 9:12:37 AM
Engineer44$25.00$25.0012/7/2009 9:23:33 AM
icecoldcash$140.00$74.6812/2/2009 9:02:11 PM
RadarLuv$25.00$25.0012/4/2009 5:04:33 AM
smalltown_mn$25.00$25.0012/4/2009 11:21:39 AM
meggo33$25.00$25.0012/4/2009 4:38:46 PM
primed$50.00$50.0012/5/2009 7:46:01 AM
medkoder$25.00$25.0012/5/2009 5:38:26 AM
Pod1313$34.91$34.9112/5/2009 8:52:26 PM
DebDesert$25.00$25.0012/5/2009 7:58:41 PM
Techne_Funds_LLC$25.00$25.0012/5/2009 7:25:43 PM
dstolars$25.00$25.0012/6/2009 9:47:47 AM
aztec$50.00$50.0012/6/2009 10:15:26 AM
amor1962$25.00$25.0012/6/2009 4:23:40 PM
the-silver-blaster$50.00$50.0012/6/2009 5:51:49 PM
nickel-pipeline$25.00$25.0012/6/2009 8:12:25 PM
icon7$25.00$25.0012/7/2009 6:51:51 AM
golffish2$50.00$50.0012/7/2009 7:01:45 AM
bear01$30.00$30.0012/7/2009 12:17:46 AM
sorace$50.00$50.0012/7/2009 5:41:29 AM
G-Love$300.00$300.0012/7/2009 6:04:57 AM
ussugm$25.00$25.0012/7/2009 7:02:14 AM
PotBellyPete$50.00$50.0012/7/2009 8:42:09 AM
Astyanax$25.00$25.0012/7/2009 8:54:11 AM
credit-coach118$25.00$25.0012/7/2009 8:59:10 AM
The_Birnetts$100.00$100.0012/7/2009 7:48:17 AM
elvisloans$50.00$50.0012/7/2009 7:52:10 AM
elegant-bonus$25.00$25.0012/7/2009 8:37:01 AM
CashBank$25.00$25.0012/7/2009 8:45:43 AM
mrthatcher$25.00$25.0012/7/2009 9:04:54 AM
54 bids
 
Borrower Payment Dependent Notes Series 436013
This series of Notes was issued and sold upon the funding of the borrower loan #39981, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-03-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $82.18
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $81.01
 
Auction yield range: 11.20% - 26.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1993 Debt/Income ratio: 10%
Credit score: 740-759 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 15Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: interest-snowdome Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off personal debt
Purpose of loan:
This loan will be used to?? pay down my daughter's college debt as a way of helping her get started in her adult life.????????????

My financial situation:
I am a good candidate for this loan because? I pay my bills in a timely fashion, I am gainfully employed and thoroughly enjoy my job, and I was raised to take care of my personal responsibilities.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0012/3/2009 5:13:13 PM
reflective-rupee$25.00$25.0012/3/2009 5:14:40 PM
jhouman$25.00$25.0012/3/2009 5:13:57 PM
cashhelp$25.00$25.0012/3/2009 5:29:25 PM
reflective-rupee$25.00$25.0012/3/2009 5:20:34 PM
moo916$50.00$50.0012/3/2009 6:46:49 PM
asiaratt$100.00$14.8612/3/2009 8:29:19 PM
felicity-daydream$75.00$75.0012/4/2009 7:58:26 AM
jonn834$25.00$25.0012/4/2009 11:34:23 AM
marwadi-62$50.00$50.0012/4/2009 3:05:46 PM
vest_vortex$25.00$25.0012/4/2009 4:16:50 PM
JohnSmallberries$25.00$25.0012/6/2009 2:52:04 PM
silvercertificate$25.00$25.0012/7/2009 10:34:41 AM
unk1911$25.00$25.0012/7/2009 10:34:49 AM
charming-point$200.00$200.0012/7/2009 11:12:23 AM
professional-finance$25.00$25.0012/7/2009 2:27:15 PM
gmv814$50.00$50.0012/7/2009 2:42:30 PM
moneyshark27$30.00$30.0012/7/2009 2:53:11 PM
DEFORHIRE$25.00$25.0012/7/2009 7:37:49 PM
KrisKringle$63.14$63.1412/7/2009 6:17:30 PM
Bob450$50.00$50.0012/7/2009 8:13:26 PM
Sugarmama21$45.00$45.0012/8/2009 12:09:20 PM
NavyDoc01$83.00$83.0012/8/2009 2:36:51 PM
vivacious-p2p3$25.00$25.0012/8/2009 4:41:16 PM
nickel-pipeline$34.00$34.0012/8/2009 5:41:44 PM
vest_vortex$25.00$25.0012/8/2009 6:31:09 PM
Yomain$25.00$25.0012/3/2009 5:18:37 PM
money-prophesy$100.00$100.0012/3/2009 5:22:39 PM
the-profit-oracle$25.00$25.0012/3/2009 6:25:38 PM
penny-surgeon$25.00$25.0012/3/2009 8:02:14 PM
BenR$100.00$100.0012/3/2009 8:55:36 PM
vine99$50.00$50.0012/4/2009 4:26:18 PM
SolarMoonshine$25.00$25.0012/5/2009 8:37:45 AM
loss-of-control$25.00$25.0012/7/2009 5:30:24 PM
nalaari$50.00$50.0012/8/2009 7:07:27 AM
MOVet$25.00$25.0012/8/2009 9:33:54 AM
charming-point$200.00$200.0012/8/2009 8:53:31 AM
Bocephus1959$25.00$25.0012/8/2009 11:22:18 AM
matrix456$100.00$100.0012/8/2009 12:57:48 PM
Eaglehigh$25.00$25.0012/8/2009 1:01:29 PM
irishlaw$80.00$80.0012/8/2009 2:48:24 PM
coin-refresher$25.00$25.0012/8/2009 5:29:10 PM
42 bids
 
Borrower Payment Dependent Notes Series 436053
This series of Notes was issued and sold upon the funding of the borrower loan #39914, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,200.00 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: 13.21% Starting borrower rate/APR: 14.21% / 16.37% Starting monthly payment: $75.42
Final lender yield: 9.06% Final borrower rate/APR: 10.06% / 12.17% Final monthly payment: $71.05
 
Auction yield range: 4.20% - 13.21% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Apr-2003 Debt/Income ratio: Not calculated
Credit score: 780-799 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $4,467 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: renewal1 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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards.? I am frustrated that my interest rates keep going up even though I demonstrate?how to?be a responsible user of credit by paying on time.? In addition, I do not like the fact that I am being penalized for adhering to the?contract set forth by the?credit card companies, while reaching deeper into my pockets to pay for their risky business practices.

My?financial situation:
I am a good candidate for this loan because?I have been responsible with credit ever since I was 18.? I would like the opportunity to pay down my credit card debt at a lower, fixed rate and will never fall into the "credit card debt hole."
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)
Penguin267$25.00$25.0012/6/2009 8:42:53 PM
JerryB96$25.00$25.0012/6/2009 9:13:49 PM
tranquil-revenue$100.00$100.0012/7/2009 12:51:09 PM
meggo33$25.00$25.0012/7/2009 4:39:16 PM
Gar3field$50.00$50.0012/7/2009 11:23:52 PM
jrobe925$25.00$25.0012/8/2009 4:56:37 AM
martymaniaman$25.00$25.0012/8/2009 6:35:11 AM
Apotheosis$25.00$25.0012/8/2009 8:24:32 AM
Leshan$50.00$50.0012/8/2009 8:46:13 AM
uncle101$25.00$25.0012/8/2009 4:05:43 AM
datongmama$25.00$25.0012/8/2009 4:58:48 AM
nalaari$50.00$50.0012/8/2009 6:49:20 AM
Thrivewithme$27.88$27.8812/8/2009 10:06:54 AM
tamcho$25.00$25.0012/8/2009 10:43:35 AM
TakeCare$50.00$50.0012/8/2009 12:51:14 PM
Astyanax$25.00$25.0012/8/2009 12:51:04 PM
Astyanax$25.00$25.0012/8/2009 12:50:38 PM
palex$25.00$25.0012/8/2009 2:09:51 PM
responsible-worth113$25.00$25.0012/8/2009 3:04:42 PM
mehlp2$25.00$25.0012/8/2009 2:09:46 PM
elvisloans$53.18$53.1812/8/2009 3:55:39 PM
orbital-gain$50.00$50.0012/8/2009 3:58:14 PM
interloode$75.00$75.0012/8/2009 3:38:58 PM
oldman68$25.00$25.0012/5/2009 8:59:23 PM
brondero$200.00$200.0012/7/2009 9:52:03 AM
Dskillz$25.00$25.0012/7/2009 12:24:07 PM
shrewd-income$250.00$250.0012/7/2009 11:05:49 AM
ocifer50$25.00$25.0012/7/2009 12:43:34 PM
la_tim$100.00$100.0012/7/2009 3:06:38 PM
outofoffice$50.00$50.0012/7/2009 3:47:41 PM
bankojerry$35.00$35.0012/7/2009 3:47:50 PM
khamlagirl$25.00$25.0012/7/2009 8:31:41 PM
coldfuzion$40.00$40.0012/7/2009 11:05:24 PM
Lender0307$25.00$25.0012/7/2009 8:35:01 PM
soular21804$25.00$25.0012/8/2009 1:13:39 AM
Jcardone33$25.00$25.0012/8/2009 7:32:34 AM
RadarLuv$25.00$25.0012/8/2009 3:56:03 AM
G-Love$200.00$200.0012/8/2009 7:33:34 AM
estancias$25.00$25.0012/8/2009 9:49:07 AM
ansky127$25.00$25.0012/8/2009 10:57:14 AM
Leopoldine$25.40$25.4012/8/2009 12:50:19 PM
Moxman125$25.00$25.0012/8/2009 2:48:32 PM
jybank$25.00$25.0012/8/2009 2:53:11 PM
springpanda$50.00$50.0012/8/2009 2:30:39 PM
haryassman$50.00$50.0012/8/2009 3:46:53 PM
MattProsper$75.00$43.5412/8/2009 3:57:20 PM
46 bids
 
Borrower Payment Dependent Notes Series 436155
This series of Notes was issued and sold upon the funding of the borrower loan #39975, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $102.72
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $101.26
 
Auction yield range: 11.20% - 26.49% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Nov-1984 Debt/Income ratio: 19%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:30y 3m
Amount delinquent: $0 Revolving credit balance: $10,768 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: peanut3017 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need to fix old clunker
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you think it would help lenders bid if they knew your monthly expenses and you monthly net income? Thanks - RecoveryLender
A: Yes I do think I should have done that. After I posted it I thought I could go back and edit it but you can't. My expenses each month are around 3500 but my bring home plus my husbands ususally covers everything. The problem arose when my son went to San Diego to do an unpaid internship witht he special olympics and could not find a job out there to cover his expenses. We ended up having to send money to him and it really put a burden on us the past few months. We need this to fis his car. (Dec-05-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SweetHoneyPot$25.00$25.0012/1/2009 4:35:34 PM
Bob450$25.00$25.0012/1/2009 6:40:06 PM
reflective-rupee$25.00$25.0012/3/2009 7:32:12 PM
penny-surgeon$25.00$25.0012/3/2009 8:16:35 PM
asiaratt$100.00$100.0012/3/2009 8:29:21 PM
puifais$25.00$25.0012/3/2009 8:46:16 PM
Supernick$25.00$25.0012/3/2009 8:47:52 PM
five-star-note$25.00$25.0012/4/2009 12:03:15 AM
treasure-bliss$100.00$100.0012/4/2009 2:40:53 AM
MylesNH$25.00$25.0012/4/2009 4:08:55 AM
Artist_Blue$25.00$25.0012/4/2009 9:16:22 AM
capital-amplifier$25.00$25.0012/4/2009 9:22:40 AM
supreme-hope$25.00$25.0012/4/2009 10:08:07 AM
rmachi$25.00$25.0012/4/2009 10:33:03 AM
AF-Chief$28.00$28.0012/4/2009 10:46:52 AM
jhouman$25.00$25.0012/4/2009 11:06:50 AM
towering-platinum3$25.00$25.0012/4/2009 12:20:24 PM
coin-investor$25.00$25.0012/4/2009 12:20:38 PM
AlexTrep$25.00$25.0012/4/2009 2:03:38 PM
Nickle-And-Dime$25.00$25.0012/4/2009 4:42:54 PM
DER$50.00$50.0012/4/2009 7:18:10 PM
HarryRoberts$50.00$50.0012/5/2009 8:47:17 AM
noble-revenue$73.24$73.2412/5/2009 8:47:32 AM
SolarMoonshine$25.00$25.0012/5/2009 9:01:02 AM
GOPHERBOY$25.00$25.0012/6/2009 7:12:17 AM
the-silver-blaster$75.00$61.5512/6/2009 11:15:11 AM
EngineersAlliance$75.00$75.0012/7/2009 10:28:49 AM
peskier$25.00$25.0012/7/2009 11:51:00 AM
lender12345$25.00$25.0012/7/2009 5:27:37 PM
113121$25.00$25.0012/7/2009 6:53:54 PM
forthright-dedication$25.00$25.0012/7/2009 7:17:18 PM
doubledb$51.21$51.2112/8/2009 4:16:06 AM
nalaari$50.00$50.0012/8/2009 7:04:45 AM
the-profit-oracle$25.00$25.0012/1/2009 7:14:16 PM
yeti888$25.00$25.0012/3/2009 8:16:40 PM
sharkm$25.00$25.0012/3/2009 11:15:22 PM
djh47a$25.00$25.0012/4/2009 6:14:42 AM
a-resplendent-commitment$25.00$25.0012/4/2009 5:49:41 AM
building_community$25.00$25.0012/4/2009 8:25:01 AM
red-favorable-basis$25.00$25.0012/4/2009 9:47:18 AM
halothane_logic$25.00$25.0012/4/2009 10:33:44 AM
divrekku$25.00$25.0012/4/2009 11:39:56 AM
elegant-bonus$25.00$25.0012/4/2009 4:14:04 PM
burgeoning-silver$25.00$25.0012/4/2009 4:54:42 PM
alex189a$25.00$25.0012/4/2009 9:42:47 PM
loan-scientist8$25.00$25.0012/5/2009 3:47:05 AM
spsavage$25.00$25.0012/5/2009 6:22:28 AM
czar3$25.00$25.0012/5/2009 8:17:29 AM
Tammy102800$25.00$25.0012/5/2009 8:47:49 AM
charming-point$200.00$200.0012/5/2009 11:32:24 AM
portfolio-zone801$25.00$25.0012/5/2009 1:08:16 PM
fortytwo$50.00$50.0012/6/2009 4:12:13 AM
coloradocash$25.00$25.0012/6/2009 8:37:27 PM
icon7$25.00$25.0012/7/2009 12:31:43 PM
RecoveryLender$25.00$25.0012/7/2009 1:40:46 PM
Techne_Funds_LLC$25.00$25.0012/7/2009 4:01:43 PM
Leshan$50.00$50.0012/8/2009 8:55:32 AM
leverage-monger$25.00$25.0012/8/2009 9:23:25 AM
Feyenoord$25.00$25.0012/8/2009 10:18:34 AM
jybank$25.00$25.0012/8/2009 1:25:49 PM
just-trade0$36.00$36.0012/8/2009 2:08:51 PM
TakeCare$25.00$25.0012/8/2009 2:22:43 PM
113121$300.00$300.0012/8/2009 3:58:06 PM
porwestco$25.00$25.0012/8/2009 3:31:07 PM
64 bids
 
Borrower Payment Dependent Notes Series 436173
This series of Notes was issued and sold upon the funding of the borrower loan #39949, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 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: $158.33
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $158.33
 
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: 4 First credit line: Mar-2008 Debt/Income ratio: 18%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:6y 11m
Amount delinquent: $0 Revolving credit balance: $977 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 55%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: blooming-nickel3 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Finishing my basement
Relisting of prior request.? Lowered amount after speaking with other prosper members.? Was advised to lower amount because of first time listing and being an HR rating.? This amount will allow me to get the necessary materials.? Hopefully, I can save the additional money by installing the carpeting and insulation myself.

Purpose of loan:
????This loan will be used to finish work on the basement. There needs to be carpet bought and installed and complete insulation completed.
My financial situation:
?????I am a good candidate for this loan because I have never defaulted on any loans or credit cards.? I have been at my current place of employment for 6 years and I am top performer.??

????In reality I am hoping to have this loan paid off within one year.????

????I would like to elaborate on my current credit score.??I have never had any deliquencies or defaults, but I have not had an installment loan on my credit file for 12 months yet.? I currently have financed a vehicle for the past six months with a perfect payment history.? Prior to this vehicle I had purchased used cars with cash.? I have had revolving credit or credit cards for about the past two years.??????

????So I honestly believe that my credit score in the next 12 to 18 months will improve as the length of time increases on my credit file.? I only within the past three years learned how important it was to establish credit.? Prior to that I thought it was best to purchase everything with cash. But, I was then advised to make transactions on some credit cards and pay them in full to the best of my ability each month.????

????My ability to repay is shown by my steady employment history and income.? I have not had any gaps in employment history since I started working at 15.

????Thank you for reading.
Monthly net income: $
4500
Monthly expenses: $
??Housing: $?500??
??Insurance: $ 110
??Car expenses: $?350
??Utilities:?$250
??Phone, cable, internet: $100
??Food, entertainment: $?250
??Clothing, household expenses $?100
??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
Q: see my page please. - Tono
A: ok thank you very much for the tip (Dec-08-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0012/2/2009 4:37:23 PM
fcb202$25.00$25.0012/2/2009 4:36:47 PM
LAKETIME$25.00$25.0012/3/2009 3:22:45 PM
loss-of-control$25.00$25.0012/4/2009 4:38:15 PM
periko$50.00$50.0012/5/2009 8:42:18 AM
vest_vortex$25.00$25.0012/5/2009 2:47:04 PM
WMY-Investor$200.00$200.0012/7/2009 10:45:36 AM
unk1911$25.00$25.0012/7/2009 10:12:49 AM
supreme-justice3$100.00$100.0012/7/2009 1:17:43 PM
helping-out$45.00$45.0012/7/2009 4:05:56 PM
loss-of-control$25.00$25.0012/7/2009 5:18:24 PM
loss-of-control$25.00$25.0012/7/2009 5:18:47 PM
lender12345$50.00$50.0012/7/2009 5:53:27 PM
unger$100.00$100.0012/8/2009 6:14:38 AM
carrinel$82.00$82.0012/8/2009 4:20:31 PM
momentous-transaction8$100.00$100.0012/8/2009 6:48:34 PM
exciting-fairness$200.00$200.0012/8/2009 6:17:50 PM
transparency-burger$75.00$75.0012/8/2009 8:14:14 PM
Lubava$50.00$50.0012/8/2009 7:28:50 PM
penny-sergeant$25.00$25.0012/8/2009 8:29:59 PM
eclipse056$50.00$50.0012/8/2009 8:34:24 PM
himistu22$25.00$25.0012/8/2009 8:49:19 PM
well-mannered-income3$25.00$25.0012/8/2009 7:34:33 PM
aks12$25.00$25.0012/8/2009 8:27:32 PM
platinum-goat4$25.00$25.0012/8/2009 7:51:51 PM
groundsquirrel$25.00$25.0012/8/2009 10:23:18 PM
whittlesey31$25.00$25.0012/9/2009 7:11:23 AM
Pages$25.00$25.0012/9/2009 7:26:19 AM
orange-pound-party$25.00$25.0012/9/2009 5:11:45 AM
371millwood$200.00$88.5612/9/2009 9:02:28 AM
reflective-rupee$25.00$25.0012/2/2009 4:40:05 PM
1traveler$25.00$25.0012/2/2009 9:11:38 PM
reflective-rupee$220.00$220.0012/4/2009 9:43:31 AM
reflective-rupee$350.00$350.0012/4/2009 9:46:31 AM
SolarMoonshine$25.00$25.0012/4/2009 6:15:22 PM
gold-cluster$25.00$25.0012/5/2009 2:52:00 PM
reflective-rupee$210.00$210.0012/6/2009 7:25:56 PM
well-mannered-income3$40.00$40.0012/7/2009 7:50:42 AM
brodav$50.00$50.0012/7/2009 10:35:41 AM
reflective-rupee$35.00$35.0012/7/2009 12:32:26 PM
DirtyJackBoner$50.00$50.0012/7/2009 3:44:43 PM
FinDoc$25.00$25.0012/7/2009 2:20:31 PM
double22$50.00$50.0012/7/2009 3:23:01 PM
loss-of-control$50.00$50.0012/7/2009 5:17:58 PM
well-mannered-income3$40.00$40.0012/7/2009 5:38:02 PM
TakeCare$100.00$100.0012/8/2009 12:28:35 PM
tigercat$50.00$50.0012/8/2009 12:44:09 PM
Tono$50.00$50.0012/8/2009 5:33:03 PM
Unitas4302$100.00$100.0012/8/2009 5:36:35 PM
lender12345$50.00$50.0012/8/2009 7:49:56 PM
Student_Capital$50.00$50.0012/8/2009 8:12:08 PM
dblakels$25.00$25.0012/8/2009 8:42:53 PM
pietro_torna_indietro$25.00$25.0012/8/2009 8:40:10 PM
persistent-income2$25.00$25.0012/9/2009 6:03:24 AM
erccpa$80.00$80.0012/9/2009 6:22:13 AM
sensible-fund$55.00$55.0012/9/2009 4:56:00 AM
reliable-vigilance$29.44$29.4412/9/2009 8:28:16 AM
Bob450$25.00$25.0012/9/2009 8:18:05 AM
58 bids
 
Borrower Payment Dependent Notes Series 436205
This series of Notes was issued and sold upon the funding of the borrower loan #39993, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% 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: $339.27
Final lender yield: 32.00% Final borrower rate/APR: 33.00% / 35.42% Final monthly payment: $330.83
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.47%  
Lender servicing fee: 1.00% Estimated return: 16.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Aug-1991 Debt/Income ratio: 54%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $48,259 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Gettinricher 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 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $15,000.00< mo. late: 0 ( 0% )  
640-659 (Aug-2009)
660-679 (Aug-2008)
680-699 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Eliminate High Interest Debt
My Story:
Early in my life after college, I got into some debt due to spending more than I was making at my first low paying teaching job.? After our marriage, it continued compounded by job related expenses for my teaching career and my wife's corporate job.? Through the years there have been instances where money has become really tight in trying to keep ahead of paying off this debt.??We are making payments and haven't missed a payment to anyone for literally years.??We are making progress, but found progress to happen much quicker once we got our first Prosper loan (which we have now paid off without a single missed or late payment).

My Reason:
We would simply like to take some of our high interest debt, pay that off and replace it with our loan here at a lower interest rate so we can pay it down more quickly.??

How Will It Be Paid Back:
My salary is very steady with a gross income of $4565 a month.? This is my contractual income.? This does not include?my wife's income as a church secretary.

Detailed Budget:
Income listed above.

Expenses:
Mortgage????????$839
Credit Pyts?????$1416
Car Pyt??????????$250
Insurance????????$160
Auto Fuel??????? $300
Utilities?????????? $450
Groceries??????? $300
Student loan????$77

Total?????????????? $3792


We intend to take the money we are currently using to pay these credit cards and apply it toward payments on this loan.? The payments for this loan will be lower than our current minimum payments to the credit cards and will allow us to eliminate this debt in less than 3 years.

If you are looking at bidding on a loan?with someone that has a proven track record of on-time payments (including a Prosper loan) and potential for a great return on your money, they this is the listing you want to bid on.?

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.0012/2/2009 4:05:52 PM
reflective-rupee$50.00$50.0012/2/2009 4:49:30 PM
Bob450$50.00$50.0012/2/2009 9:09:48 PM
wealth-pipeline$25.00$25.0012/3/2009 9:18:46 AM
SolarMoonshine$25.00$25.0012/4/2009 6:57:35 PM
vivacious-p2p3$25.00$25.0012/5/2009 8:27:08 PM
honorable-yield$35.00$35.0012/6/2009 12:00:58 PM
helping-out$30.00$30.0012/6/2009 5:43:53 PM
well-mannered-income3$50.00$50.0012/7/2009 7:54:06 AM
supreme-justice3$100.00$100.0012/7/2009 1:20:18 PM
OrdiNance$200.00$200.0012/7/2009 4:39:18 PM
Imaginos1892$50.00$50.0012/7/2009 7:25:41 PM
tigercat$50.00$50.0012/8/2009 9:15:30 AM
moose24$76.31$76.3112/8/2009 10:42:25 AM
gelt4u$25.00$25.0012/8/2009 11:47:16 AM
heerzaquestion$25.00$25.0012/8/2009 4:10:28 PM
icon7$25.00$25.0012/8/2009 4:09:09 PM
heerzaquestion$100.00$51.5212/8/2009 4:09:25 PM
gpuck$25.00$25.0012/8/2009 4:44:55 PM
brother_tam$200.00$200.0012/8/2009 5:05:21 PM
momentous-transaction8$100.00$100.0012/8/2009 6:51:21 PM
Land_on_your_feet$25.00$25.0012/8/2009 6:58:30 PM
Jordan1123$25.00$25.0012/8/2009 6:42:50 PM
the-profit-oracle$25.00$25.0012/8/2009 7:57:37 PM
DrT$50.00$50.0012/8/2009 9:01:31 PM
shrewd-income$250.00$250.0012/8/2009 10:03:59 PM
thomas16882004$50.00$50.0012/9/2009 2:04:38 AM
friendinmoney$50.00$50.0012/8/2009 10:52:00 PM
ddoneday$25.00$25.0012/8/2009 10:08:29 PM
The-Lighthouse-Group$25.00$25.0012/9/2009 5:27:27 AM
DG2007$25.00$25.0012/9/2009 4:37:36 AM
371millwood$200.00$200.0012/9/2009 9:10:01 AM
credit-missile$100.00$100.0012/9/2009 9:18:34 AM
FCandL$25.00$25.0012/9/2009 8:55:54 AM
shrewd-income$250.00$250.0012/9/2009 11:08:15 AM
bestloanrate$50.00$50.0012/9/2009 12:20:08 PM
Peterman$75.00$75.0012/9/2009 12:48:43 PM
113121$1,000.00$1,000.0012/9/2009 1:42:03 PM
grepzilla$25.00$25.0012/9/2009 2:11:29 PM
reflective-rupee$100.00$100.0012/9/2009 2:29:38 PM
fireferd$217.09$217.0912/9/2009 1:37:52 PM
RecoveryLender$30.00$30.0012/9/2009 1:57:45 PM
professional-finance$25.00$25.0012/9/2009 3:04:35 PM
sparkling-contract7$25.00$25.0012/9/2009 2:20:50 PM
VBPlayer$30.00$30.0012/9/2009 3:06:14 PM
gold-cluster$100.00$100.0012/9/2009 2:30:50 PM
GyJAV_BNCCo$25.00$25.0012/9/2009 3:07:33 PM
exciting-fairness$100.00$100.0012/9/2009 3:46:46 PM
flexible-economy2$200.00$200.0012/2/2009 4:28:27 PM
reflective-rupee$50.00$50.0012/2/2009 4:35:27 PM
reflective-rupee$50.00$50.0012/2/2009 4:49:39 PM
reflective-rupee$50.00$50.0012/2/2009 4:49:08 PM
reflective-rupee$50.00$50.0012/2/2009 4:49:18 PM
supreme-hope$25.00$25.0012/3/2009 1:35:32 AM
Aberdeen$300.00$300.0012/3/2009 3:42:27 PM
currency-bumblebee$100.00$100.0012/4/2009 3:51:36 PM
loss-of-control$25.00$25.0012/4/2009 4:34:43 PM
vest_vortex$25.00$25.0012/5/2009 2:48:27 PM
OtownLender$25.00$25.0012/7/2009 1:28:22 PM
GlenBank$150.00$150.0012/7/2009 1:38:35 PM
helping-out$150.00$150.0012/7/2009 4:08:21 PM
double22$31.00$31.0012/7/2009 3:25:48 PM
shawnw2$50.00$50.0012/7/2009 5:44:52 PM
pietro_torna_indietro$50.00$50.0012/8/2009 7:24:03 AM
a-reasonable-return$50.00$50.0012/8/2009 7:57:00 AM
pietro_torna_indietro$25.00$25.0012/8/2009 7:24:59 AM
TakeCare$50.00$50.0012/8/2009 12:21:55 PM
TakeCare$50.00$50.0012/8/2009 12:22:33 PM
TakeCare$50.00$50.0012/8/2009 2:29:18 PM
Skeptical-one$100.00$100.0012/8/2009 4:20:37 PM
sturdy-peace9$50.00$50.0012/8/2009 5:21:10 PM
medkoder$25.00$25.0012/8/2009 6:22:30 PM
CincyTex$50.00$50.0012/8/2009 6:25:03 PM
Kash2010lu$25.00$25.0012/8/2009 6:30:34 PM
crw1950$50.00$50.0012/8/2009 8:03:24 PM
boo_hoo$50.00$50.0012/8/2009 8:20:08 PM
lender12345$25.00$25.0012/8/2009 7:51:51 PM
orange-pound-party$25.00$25.0012/8/2009 9:00:36 PM
Laxa$250.00$250.0012/9/2009 3:39:18 AM
Rip128$100.00$100.0012/9/2009 5:28:14 AM
jybank$25.00$25.0012/9/2009 9:20:07 AM
Happy-Man$25.00$25.0012/9/2009 9:39:49 AM
ronin4sale$25.00$25.0012/9/2009 11:47:19 AM
Calif-smo$107.38$107.3812/9/2009 2:09:20 PM
dudebrah$25.00$25.0012/9/2009 2:13:35 PM
Leshan$33.38$33.3812/9/2009 1:17:46 PM
gabrielcharlie$25.00$25.0012/9/2009 2:22:18 PM
reflective-rupee$100.00$100.0012/9/2009 2:29:19 PM
reflective-rupee$50.00$50.0012/9/2009 2:30:28 PM
loss-of-control$50.00$50.0012/9/2009 2:55:44 PM
MoneyForNothing$25.00$25.0012/9/2009 2:57:43 PM
squarebob$25.00$25.0012/9/2009 2:51:14 PM
nala2821$28.32$28.3212/9/2009 2:52:59 PM
interloode$150.00$150.0012/9/2009 3:21:52 PM
elegant-bonus$25.00$25.0012/9/2009 3:07:34 PM
Feyenoord$50.00$50.0012/9/2009 3:34:46 PM
exciting-fairness$100.00$100.0012/9/2009 3:47:32 PM
Engineer44$30.00$30.0012/9/2009 3:54:33 PM
penny-surgeon$25.00$25.0012/9/2009 3:30:27 PM
PotBellyPete$100.00$100.0012/9/2009 3:37:08 PM
100 bids
 
Borrower Payment Dependent Notes Series 436233
This series of Notes was issued and sold upon the funding of the borrower loan #39990, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 26.49% Starting borrower rate/APR: 27.49% / 29.83% Starting monthly payment: $102.72
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $102.40
 
Auction yield range: 11.20% - 26.49% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: Sep-1982 Debt/Income ratio: 4%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 2 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $237 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: sdk919 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
Auto Repairs
I am a good candidate for this loan because I always pay my bills, I was in a situation for 2 years caring for my elderly grandmother after a severe stroke, who has since passed away. During that time I was unable to work, I have always been a person who saves money, I had 30,000 in savings, which I had to spend and in order to live while I cared for her I has to use my credit cards too much and had to file bankruptcy. I have some major auto repairs that need to be done on my car. I have low credit score from the Bankruptcy but I pay my bills on time.
Monthly net income: $ 3200.00
Monthly expenses: $
??Housing: $?1200.00
??Insurance: $?250
??Car expenses:?$?365
??Utilities: $?65
??Phone, cable, internet: $?90
??Food, entertainment: $?100
??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)
SweetHoneyPot$25.00$25.0012/2/2009 4:35:48 PM
Bob450$25.00$25.0012/2/2009 9:05:34 PM
wise-balanced-moola$25.00$25.0012/8/2009 9:43:23 AM
CashFlow13$2,000.00$1,239.0012/8/2009 5:38:28 PM
EngineersAlliance$75.00$75.0012/8/2009 7:51:56 PM
SolarMoonshine$25.00$25.0012/8/2009 6:44:28 PM
eclipse056$25.00$25.0012/8/2009 8:27:12 PM
orange-pound-party$25.00$25.0012/8/2009 9:02:24 PM
glenium$25.00$25.0012/9/2009 2:46:45 AM
unger$100.00$100.0012/9/2009 5:44:47 AM
TakeCare$25.00$25.0012/9/2009 9:24:12 AM
GyJAV_BNCCo$25.00$25.0012/9/2009 9:57:02 AM
iolaire$25.00$25.0012/9/2009 10:26:18 AM
just-trade0$36.00$36.0012/9/2009 2:49:30 PM
worldly-gold$100.00$100.0012/9/2009 3:27:49 PM
professional-finance$25.00$25.0012/9/2009 3:10:50 PM
the-profit-oracle$25.00$25.0012/2/2009 10:15:42 PM
vine99$50.00$50.0012/4/2009 4:24:13 PM
transparency-burger$350.00$350.0012/8/2009 7:50:25 PM
Streamfeeder$25.00$25.0012/9/2009 9:50:57 AM
Leshan$50.00$50.0012/9/2009 1:18:39 PM
Gaelicman$50.00$50.0012/9/2009 1:35:31 PM
investment-cluster$25.00$25.0012/9/2009 1:44:04 PM
elegant-bonus$25.00$25.0012/9/2009 3:08:04 PM
gabrielcharlie$25.00$25.0012/9/2009 2:23:32 PM
jcw3rd$25.00$25.0012/9/2009 3:51:53 PM
Feyenoord$25.00$25.0012/9/2009 3:31:29 PM
27 bids
 
Borrower Payment Dependent Notes Series 436263
This series of Notes was issued and sold upon the funding of the borrower loan #39964, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  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: $203.56
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $203.56
 
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: May-2001 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 4Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: progressive-point Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Finishing College (Second Attempt)
Purpose of loan:
This loan will be used to pay for school for my last 6 months of Bible college. I am attempting a second time to get my loan funded because it wasn't the first time. I want to live a life of helping people and allowing them to better themselves after I graduate. I plan to be a pastor or a Christian counselor. My life of reaching out to others in need and helping them after I graduate will make helping me out now well worth your investment.

My financial situation:
I am a good candidate for this loan because I have a good credit standing. I have NEVER had a late payment. I have a job at a church as a custodian that I have worked at for over 3 years. I am asking for less money because I got more hours at work. I am a responsible and conscientious person. I am good at meeting deadlines. I will be able to pay back this loan with no problem. I know some of you might be afraid because I am considered high risk, but that is only because I am young and still in school. I have a credit card and I have paid back every cent I have ever charged on it. Your investment is in good hands with me so feel free to bid on me.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, can you give me an idea of how you plan to pay back this loan including some color on your current earnings and future earnings potential. Thank you. - SweetHomeChicago
A: Yes I can, I can make the monthly payments pretty easily. I make around $900 a month and my rent at my apartment is $200. I spend about $200 a month on food and the rest I either save or use on miscellaneous expenses. I end up having quite a bit left over each month. After I graduate I plan on getting a full time job where I make at least $20,000 a year. (Dec-06-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Laxa$500.00$500.0012/3/2009 12:18:35 PM
reflective-rupee$500.00$500.0012/4/2009 7:09:18 AM
reflective-rupee$90.00$90.0012/6/2009 7:23:12 PM
supreme-justice3$100.00$100.0012/7/2009 11:05:21 AM
Bob450$50.00$50.0012/7/2009 6:56:30 PM
well-mannered-income3$25.00$25.0012/8/2009 7:33:24 PM
thomas16882004$100.00$100.0012/9/2009 2:05:22 AM
heroic-benefit$100.00$100.0012/9/2009 9:36:26 AM
WMY-Investor$200.00$200.0012/9/2009 8:27:16 AM
supreme-justice3$100.00$89.0912/9/2009 9:55:57 AM
reflective-rupee$25.00$25.0012/9/2009 11:05:00 AM
bestloanrate$25.00$25.0012/9/2009 12:24:09 PM
Rulea72$48.18$48.1812/9/2009 1:15:19 PM
zone6$173.07$173.0712/9/2009 3:29:41 PM
PotBellyPete$50.00$50.0012/9/2009 3:38:36 PM
reliable-vigilance$40.00$40.0012/9/2009 3:40:36 PM
Eloise62$75.00$75.0012/4/2009 1:45:30 PM
SolarMoonshine$100.00$100.0012/4/2009 6:19:26 PM
vivacious-p2p3$100.00$100.0012/5/2009 8:29:19 PM
well-mannered-income3$40.00$40.0012/7/2009 7:55:32 AM
jpf27$100.00$100.0012/7/2009 12:25:12 PM
OtownLender$25.00$25.0012/7/2009 1:19:39 PM
reflective-rupee$200.00$200.0012/7/2009 2:33:53 PM
well-mannered-income3$50.00$50.0012/8/2009 7:32:50 AM
TakeCare$25.00$25.0012/8/2009 12:31:23 PM
reflective-rupee$300.00$300.0012/8/2009 10:02:58 PM
CashFlow13$1,000.00$1,000.0012/9/2009 2:33:21 AM
TakeCare$25.00$25.0012/9/2009 9:25:34 AM
iolaire$25.00$25.0012/9/2009 10:26:50 AM
Peterman$40.88$40.8812/9/2009 12:51:24 PM
professional-finance$25.00$25.0012/9/2009 3:12:13 PM
efficient-bid2$100.00$100.0012/9/2009 3:23:08 PM
zone6$128.78$128.7812/9/2009 3:48:21 PM
Feyenoord$25.00$25.0012/9/2009 3:37:51 PM
34 bids
 
Borrower Payment Dependent Notes Series 436315
This series of Notes was issued and sold upon the funding of the borrower loan #39923, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 11.94% Starting borrower rate/APR: 12.94% / 15.08% Starting monthly payment: $504.98
Final lender yield: 11.35% Final borrower rate/APR: 12.35% / 14.49% Final monthly payment: $500.73
 
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: Nov-1985 Debt/Income ratio: 25%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:11y 4m
Amount delinquent: $0 Revolving credit balance: $29,736 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: riveting-exchange 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
Real Estate Investment
Have you read Rich Dad, Poor Dad?

That book has completely changed my financial point of view and has given me a new mission in life. My wife and I have started a new company called Green Room Properties in order to take advantage of the amazing real estate opportunities that are currently available. We?ve been dabbling in real estate for 5 years but we finally have done the research, taken the classes, and created the structure and the tools to make take our investing to the next level. We both have full time jobs, but we want to make Green Room Properties our new career; we just need the head start that this loan will give us. I?m looking at several properties with very low buy in and very good upside potential. I will be able to double this money with just a few rehab projects.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you plan to put in the sweat equity to rehab the houses or contract out? - Frugal
A: Good question, and it depends on the project. Our business plan is for us to manage the contractors for rehabs, BUT we certainly will get our hands dirty if the need is there. (Dec-07-2009)
Q: Can you give us an income/expense breakdown please? - Machbannai
A: I can't do a spreadsheet here but I can certainly give you a narrative -- This loan will cover the purchase price of the property. I'm looking at asking prices of 8-12K. I have other funding secured for the rehab costs which will be 6-12K depending on what surprises occur. After Repaired Value is at 45-60K. the Expense side is as high as 25K and the income side is as low as 45k. (Dec-08-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CallMeBen$25.00$25.0012/2/2009 4:35:39 PM
sparkmeister$25.00$25.0012/2/2009 4:35:59 PM
money-prophesy$150.00$150.0012/2/2009 4:38:36 PM
minista$25.00$25.0012/2/2009 4:42:04 PM
availableloan$25.00$25.0012/2/2009 4:43:30 PM
Ven58$25.00$25.0012/2/2009 4:43:37 PM
interstellar$50.00$50.0012/3/2009 2:52:23 PM
a-resplendent-commitment$25.00$25.0012/3/2009 8:32:33 PM
KMTboy$25.00$25.0012/4/2009 4:28:33 AM
alpinaut$25.00$25.0012/4/2009 5:39:29 AM
QuinMccoy$25.00$25.0012/4/2009 4:57:33 AM
blackstar$25.00$25.0012/4/2009 5:12:23 AM
tisiphone$25.00$25.0012/4/2009 8:36:31 AM
Marathoner$25.00$25.0012/4/2009 9:36:13 AM
Doodlemeyer$25.00$25.0012/4/2009 11:24:21 AM
vine99$75.00$75.0012/4/2009 11:30:18 AM
loyalist1$25.00$25.0012/4/2009 11:16:08 AM
here2lend$25.00$25.0012/4/2009 12:11:55 PM
dpjd$50.00$50.0012/4/2009 3:08:26 PM
efficient-principal$25.00$25.0012/4/2009 4:42:09 PM
Homeinvest$25.00$25.0012/5/2009 4:53:14 AM
UBOtto186$25.00$25.0012/5/2009 10:34:37 AM
psalms6612$25.00$25.0012/5/2009 10:51:11 AM
auction-elvis$25.00$25.0012/5/2009 12:16:00 PM
charming-point$200.00$200.0012/5/2009 11:38:55 AM
japher$25.00$25.0012/5/2009 1:03:10 PM
inqbus$25.00$25.0012/5/2009 4:29:05 PM
SWayne2000$25.00$25.0012/5/2009 7:03:13 PM
kind-bid-maverick$25.00$25.0012/5/2009 8:47:36 PM
GyJAV_BNCCo$30.00$30.0012/6/2009 3:22:16 AM
htdia$25.00$25.0012/6/2009 9:32:42 AM
visionary-currency$75.00$75.0012/6/2009 6:17:45 PM
asiaratt$40.14$40.1412/6/2009 7:22:30 PM
cdv$25.00$25.0012/6/2009 9:52:48 PM
Bob450$25.00$25.0012/6/2009 9:32:31 PM
esabzb$25.00$25.0012/6/2009 10:27:54 PM
gaileyb$25.00$25.0012/7/2009 8:06:04 AM
HAVEANICEDAY$25.00$25.0012/7/2009 5:50:20 AM
bomdel$25.00$25.0012/7/2009 6:52:12 AM
cjames84$25.00$25.0012/7/2009 9:39:27 AM
LPSolutions$25.00$25.0012/7/2009 10:38:49 AM
dollar-sunrise$25.00$25.0012/7/2009 10:12:15 AM
fund-medalist171$25.00$25.0012/7/2009 10:58:18 AM
thedoctor$80.00$80.0012/7/2009 1:19:37 PM
chumbawumba$25.00$25.0012/7/2009 11:37:41 AM
BuffetRocks$50.00$50.0012/7/2009 12:13:17 PM
SC98007$25.00$25.0012/7/2009 1:06:59 PM
Mostyle$25.00$25.0012/7/2009 1:37:01 PM
paladin847$25.00$25.0012/7/2009 2:38:46 PM
outofoffice$50.00$50.0012/7/2009 3:56:37 PM
direct-compassion$28.00$28.0012/7/2009 4:50:26 PM
best-community-platoon$25.00$25.0012/7/2009 7:10:03 PM
reinforced-reward$25.00$25.0012/7/2009 11:16:00 PM
jibe-set$50.00$50.0012/7/2009 11:17:07 PM
a-resplendent-asset$25.00$25.0012/7/2009 11:17:46 PM
Pizza-man$50.00$50.0012/7/2009 11:20:40 PM
sentimental-euro$25.00$25.0012/7/2009 11:20:48 PM
The-CAPS-fan$30.00$30.0012/7/2009 11:21:00 PM
HunterSix$25.00$25.0012/7/2009 11:26:43 PM
Siafu$25.00$25.0012/7/2009 11:33:35 PM
rakey$25.00$25.0012/7/2009 11:43:29 PM
best-phenomenal-treasure$25.00$25.0012/7/2009 11:34:35 PM
lean-velocity$25.00$25.0012/7/2009 11:33:41 PM
kmfreymi$25.00$25.0012/7/2009 11:35:28 PM
inspired-contract9$50.00$50.0012/7/2009 11:35:39 PM
bayareainv$50.00$50.0012/7/2009 11:37:13 PM
ferocious-exchange3$25.00$25.0012/7/2009 11:35:22 PM
AndersenWatcher$25.00$25.0012/7/2009 11:37:26 PM
rulender$50.00$50.0012/7/2009 11:37:35 PM
How$25.00$25.0012/7/2009 11:43:39 PM
topher515$25.00$25.0012/7/2009 11:58:14 PM
DrStaff$35.31$35.3112/7/2009 11:59:35 PM
lookingup78$25.00$25.0012/7/2009 11:43:23 PM
Divr555$50.00$50.0012/7/2009 11:45:08 PM
mlopez2007$100.00$100.0012/8/2009 3:47:14 AM
lending_pugs$25.00$25.0012/7/2009 11:47:16 PM
Funds2Loan$25.00$25.0012/7/2009 11:50:14 PM
trochees$25.00$25.0012/8/2009 2:27:15 AM
nala2821$25.00$25.0012/8/2009 4:43:03 AM
misterhobbs$25.00$25.0012/8/2009 9:43:12 AM
UT-Longhorn$25.00$25.0012/8/2009 9:43:46 AM
18th_beachbum$25.00$25.0012/8/2009 9:44:43 AM
bullwink27$25.00$25.0012/8/2009 9:45:20 AM
StrongMoney$25.00$25.0012/8/2009 9:42:07 AM
rmpedi33$100.00$100.0012/8/2009 10:42:43 AM
sks1$25.00$25.0012/8/2009 9:42:26 AM
balanced-balance6$25.00$25.0012/8/2009 9:43:58 AM
estancias$25.00$25.0012/8/2009 9:53:21 AM
manyhappydogs$50.00$50.0012/8/2009 10:54:27 AM
Duanep01$50.00$50.0012/8/2009 11:01:22 AM
nodrivelpls$25.00$25.0012/8/2009 11:02:11 AM
Gabriel02$25.00$25.0012/8/2009 11:02:20 AM
kanpur63$25.00$25.0012/8/2009 11:03:21 AM
Sofar$25.00$25.0012/8/2009 10:51:50 AM
income-rocker2$36.82$36.8212/8/2009 10:52:05 AM
djindepth$50.00$50.0012/8/2009 11:11:27 AM
missile5$25.00$25.0012/8/2009 11:12:11 AM
siege01$25.00$25.0012/8/2009 11:13:42 AM
jtradition$40.34$40.3412/8/2009 11:13:53 AM
KeepOnRunning$50.00$50.0012/8/2009 11:15:30 AM
DaveG56313$25.00$25.0012/8/2009 11:15:58 AM
Kansas$25.00$25.0012/8/2009 11:11:30 AM
TheGrayFox$25.00$25.0012/8/2009 11:00:17 AM
professional-finance$25.00$25.0012/8/2009 11:12:18 AM
Hiro07$25.00$25.0012/8/2009 11:14:00 AM
Little_Guy$25.00$25.0012/8/2009 11:14:18 AM
Bubbasnestegg$25.00$25.0012/8/2009 11:14:27 AM
dimitrip1024$25.00$25.0012/8/2009 11:15:25 AM
AdamClemSC$25.00$25.0012/8/2009 11:03:03 AM
Skiph$25.00$25.0012/8/2009 11:18:25 AM
Trinkaloki$25.00$25.0012/8/2009 11:13:46 AM
omerta6102$50.00$50.0012/8/2009 11:14:55 AM
OaklandIuMien$25.00$25.0012/8/2009 11:16:45 AM
stolan$25.00$25.0012/8/2009 11:17:05 AM
mamayama$25.00$25.0012/8/2009 11:19:36 AM
buckyhead2000$25.00$25.0012/8/2009 11:51:58 AM
smurf163$25.00$25.0012/8/2009 11:53:51 AM
oodkim84oo$40.00$40.0012/8/2009 12:02:50 PM
papaman$25.00$25.0012/8/2009 11:53:58 AM
tmillerosu$25.00$25.0012/8/2009 11:54:16 AM
DSK_Financials$50.00$50.0012/8/2009 11:54:32 AM
slyder61$25.00$25.0012/8/2009 11:39:31 AM
ptjg$100.00$100.0012/8/2009 12:16:48 PM
icefish$25.01$25.0112/8/2009 12:30:05 PM
Gnube$25.00$25.0012/8/2009 12:39:42 PM
monticello$26.83$26.8312/8/2009 12:07:43 PM
goofy15975$25.00$25.0012/8/2009 12:42:36 PM
nostromo$25.00$25.0012/8/2009 12:43:05 PM
Emberfox$25.00$25.0012/8/2009 12:18:00 PM
iansays1$25.00$25.0012/8/2009 12:18:29 PM
ProfPC$25.00$25.0012/8/2009 1:04:32 PM
shawndw$25.00$25.0012/8/2009 12:34:10 PM
bazaar-ruler$25.00$25.0012/8/2009 1:48:36 PM
ccdmp2004$25.00$25.0012/8/2009 2:22:33 PM
porkhelmet$25.00$25.0012/8/2009 2:39:34 PM
revmax$25.00$25.0012/8/2009 2:43:19 PM
Bearls$25.00$25.0012/8/2009 2:43:16 PM
community-accelerator$25.00$25.0012/8/2009 2:53:47 PM
grampy48$25.00$25.0012/8/2009 3:06:40 PM
Eagledrop$25.00$25.0012/8/2009 3:19:29 PM
MediaAndMicrocode$30.00$30.0012/8/2009 3:22:02 PM
b-rent$25.00$25.0012/8/2009 3:39:46 PM
TakeCare$50.00$50.0012/8/2009 2:37:09 PM
skywalkerR5$25.00$25.0012/8/2009 3:07:44 PM
bradania$25.00$25.0012/8/2009 4:04:12 PM
Red4Golf$25.00$25.0012/8/2009 4:04:24 PM
js60l$25.00$25.0012/8/2009 4:07:35 PM
icon7$25.00$25.0012/8/2009 4:13:08 PM
SqueezeKing$25.00$25.0012/8/2009 3:47:10 PM
enticing-funds$25.00$25.0012/8/2009 4:07:36 PM
ManhattanLender$25.00$25.0012/8/2009 4:24:17 PM
olwagner$30.30$30.3012/8/2009 4:24:11 PM
enticing-treasure5$25.00$25.0012/8/2009 4:23:37 PM
affluence-tomahawk$25.00$25.0012/8/2009 4:59:09 PM
mjjjrj$25.00$25.0012/8/2009 5:08:41 PM
sh71$25.00$25.0012/8/2009 5:09:06 PM
YellowJacket$25.00$25.0012/8/2009 5:08:52 PM
head$25.00$25.0012/8/2009 5:10:58 PM
turbine5$40.00$40.0012/8/2009 4:59:59 PM
derec$25.00$25.0012/8/2009 5:10:15 PM
another412$25.00$25.0012/8/2009 5:08:00 PM
bid-papyrus$25.00$25.0012/8/2009 5:08:21 PM
teejay411$100.00$100.0012/8/2009 5:09:03 PM
Maccs55$25.00$25.0012/8/2009 5:09:50 PM
lendme2$32.27$32.2712/8/2009 5:10:29 PM
ElChico124$25.00$25.0012/8/2009 5:18:18 PM
burrito6$25.00$25.0012/8/2009 5:18:25 PM
jonesboyz$25.00$25.0012/8/2009 6:17:11 PM
piter-to-la-investment$25.00$25.0012/8/2009 7:02:02 PM
fun2invest$25.00$25.0012/8/2009 7:02:40 PM
market-inspector$25.00$25.0012/8/2009 7:11:18 PM
wise-bonus-honker$25.00$25.0012/8/2009 7:02:11 PM
TigerForce$25.00$25.0012/8/2009 8:31:53 PM
MattProsper$50.00$50.0012/8/2009 8:44:35 PM
RusRobo$25.00$25.0012/8/2009 8:22:07 PM
rcr549$25.00$25.0012/8/2009 8:37:24 PM
fairwealth$25.00$25.0012/8/2009 8:45:19 PM
AvailableFunds$25.00$25.0012/9/2009 12:01:57 AM
jakespirit$25.00$25.0012/9/2009 12:52:39 AM
cyonamine$25.00$25.0012/8/2009 10:12:02 PM
money-explorer3$25.00$25.0012/8/2009 11:02:13 PM
mscomeaux$25.00$25.0012/8/2009 10:17:01 PM
JUDAHiNVESTMENTGROUP$25.00$25.0012/8/2009 11:10:31 PM
duckbill_1972$25.00$25.0012/9/2009 6:54:46 AM
smartie1$25.00$25.0012/9/2009 4:42:22 AM
SacTown$25.00$25.0012/9/2009 9:14:39 AM
GCCPartners$25.00$25.0012/9/2009 8:48:07 AM
diplomatic-point4$50.00$50.0012/9/2009 9:37:40 AM
ualf$45.15$45.1512/9/2009 9:38:38 AM
looney-toon$25.00$25.0012/9/2009 9:43:43 AM
p2ploan-leaper$50.00$50.0012/9/2009 9:37:15 AM
open-minded-credit4$25.00$25.0012/9/2009 9:37:33 AM
TempHelp$25.00$25.0012/9/2009 9:40:47 AM
payout-backer2$25.00$25.0012/9/2009 9:40:54 AM
japper2353$25.00$25.0012/9/2009 9:46:05 AM
codyrun$25.00$25.0012/9/2009 10:25:34 AM
JRELoan$25.00$25.0012/9/2009 9:55:27 AM
sail120$25.00$25.0012/9/2009 10:40:19 AM
cesta283$25.00$25.0012/9/2009 10:41:47 AM
BoutYeBank$34.99$34.1912/9/2009 10:42:24 AM
flyfisherman99$50.00$50.0012/9/2009 12:01:39 PM
redcarp77$164.00$164.0012/9/2009 12:54:37 PM
micloans$25.00$25.0012/9/2009 2:36:06 PM
elegant-bonus$25.00$25.0012/9/2009 3:10:17 PM
Feyenoord$25.00$25.0012/9/2009 3:23:53 PM
self-reliant-integrity0$25.00$25.0012/9/2009 2:59:54 PM
leverage-monger$25.00$25.0012/9/2009 3:43:01 PM
jcw3rd$25.00$25.0012/9/2009 3:54:14 PM
ImaPutz$25.00$25.0012/9/2009 3:56:19 PM
orbiter614$75.00$75.0012/2/2009 4:19:24 PM
money-prophesy$100.00$100.0012/2/2009 4:34:42 PM
reBuild-America$25.00$25.0012/2/2009 7:52:04 PM
puifais$25.00$25.0012/3/2009 8:42:42 PM
JohnGalt94$25.00$25.0012/3/2009 9:03:02 PM
sjlender$25.00$25.0012/3/2009 9:47:27 PM
wise-agile-investment$25.00$25.0012/4/2009 4:28:26 AM
PrimeTimeGadgets$25.00$25.0012/4/2009 4:28:28 AM
djh47a$30.00$30.0012/4/2009 6:14:28 AM
leeo$25.00$25.0012/4/2009 5:27:44 AM
NycDean$25.00$25.0012/4/2009 7:38:26 AM
capital-amplifier$25.00$25.0012/4/2009 9:22:22 AM
supreme-hope$25.00$25.0012/4/2009 9:51:13 AM
hannibal720$25.00$25.0012/4/2009 9:55:13 AM
agreement-accruer$25.00$25.0012/4/2009 10:04:56 AM
divrekku$25.00$25.0012/4/2009 10:08:15 AM
Purple11$100.00$100.0012/4/2009 10:40:33 AM
Sefotonga$25.00$25.0012/4/2009 11:09:49 AM
first-sophisticated-rate$75.00$75.0012/4/2009 11:24:10 AM
bold-yield-rumbler$25.00$25.0012/4/2009 12:20:54 PM
shamrocker$25.00$25.0012/4/2009 12:24:43 PM
cocopuffs$25.00$25.0012/4/2009 2:01:02 PM
vtpilot00$50.00$50.0012/4/2009 2:27:15 PM
physicsjoe$25.00$25.0012/4/2009 4:23:14 PM
ml13$25.00$25.0012/4/2009 9:22:39 PM
cash-vault$25.00$25.0012/4/2009 9:46:16 PM
PocketAces$25.00$25.0012/5/2009 1:10:05 AM
bchang2001$25.00$25.0012/5/2009 5:41:41 AM
fatson43$25.00$25.0012/5/2009 8:48:58 AM
income-fortress$200.00$200.0012/5/2009 9:07:01 PM
AlexTrep$25.00$25.0012/5/2009 7:45:53 PM
cashasaurus0$300.00$300.0012/6/2009 6:21:47 AM
GOPHERBOY$65.00$65.0012/6/2009 8:19:05 AM
integrity-doctor$50.00$50.0012/6/2009 4:51:05 PM
bcg2004$25.00$25.0012/6/2009 6:01:41 PM
bitbucket$50.00$50.0012/6/2009 11:32:19 PM
flwah$25.00$25.0012/7/2009 1:47:36 AM
Hondo$25.00$25.0012/6/2009 11:33:51 PM
physjosh$25.00$25.0012/7/2009 3:34:08 AM
chinagrunt$25.00$25.0012/7/2009 5:14:05 AM
organic-platinum$25.00$25.0012/7/2009 7:18:48 AM
triumph329$25.00$25.0012/7/2009 5:37:53 AM
chiemsee$25.00$25.0012/7/2009 8:32:54 AM
imdave4me$25.00$25.0012/7/2009 8:33:05 AM
Frugal$25.00$25.0012/7/2009 10:01:30 AM
kluver-bucy$25.00$25.0012/7/2009 9:18:14 AM
neonnurse$25.00$25.0012/7/2009 10:14:38 AM
nickel-pipeline$30.00$30.0012/7/2009 9:51:59 AM
IP$50.00$50.0012/7/2009 10:27:30 AM
jhouman$25.00$25.0012/7/2009 10:34:13 AM
MO_Investor$25.00$25.0012/7/2009 9:59:34 AM
worth-sanctuary9$25.00$25.0012/7/2009 10:38:25 AM
red-favorable-basis$25.00$25.0012/7/2009 10:05:05 AM
Interloper$25.00$25.0012/7/2009 10:13:16 AM
ijspence$25.00$25.0012/7/2009 10:17:53 AM
ahalyaa$25.00$25.0012/7/2009 10:33:46 AM
able2help$25.00$25.0012/7/2009 10:34:29 AM
stable-nickel$85.00$85.0012/7/2009 10:57:12 AM
snowman34$25.00$25.0012/7/2009 11:45:09 AM
Frugal$25.00$25.0012/7/2009 1:29:40 PM
BankofTony$25.00$25.0012/7/2009 2:38:17 PM
market-jam$100.00$100.0012/7/2009 2:52:08 PM
famous-community8$25.00$25.0012/7/2009 3:22:23 PM
restless-currency$25.00$25.0012/7/2009 3:35:43 PM
julijask$25.00$25.0012/7/2009 4:46:14 PM
punctual-power7$25.00$25.0012/7/2009 6:05:44 PM
commitment-forte6$25.00$25.0012/7/2009 11:17:26 PM
loiosh$25.00$25.0012/7/2009 11:17:44 PM
worthy-reward1$50.00$50.0012/7/2009 11:20:52 PM
ToweringDan$25.00$25.0012/7/2009 11:16:04 PM
Musicman1950$25.00$25.0012/7/2009 11:34:07 PM
a-special-power$25.00$25.0012/7/2009 11:34:15 PM
affluence-tycoon$25.00$25.0012/7/2009 11:26:45 PM
blooming-dedication$50.00$50.0012/7/2009 11:37:07 PM
flopcat$25.00$25.0012/7/2009 11:33:55 PM
GATrust$50.00$50.0012/7/2009 11:43:32 PM
Fuzkaska__F_u_n_d_s$25.00$25.0012/7/2009 11:34:28 PM
open-minded-finance1$25.00$25.0012/7/2009 11:34:44 PM
mla$25.00$25.0012/7/2009 11:33:20 PM
brother_tam$50.00$50.0012/7/2009 11:34:38 PM
selfmademan$25.00$25.0012/7/2009 11:49:54 PM
tsui517$25.00$25.0012/7/2009 11:35:59 PM
boater01$50.00$50.0012/7/2009 11:38:15 PM
sloan$25.00$25.0012/7/2009 11:36:13 PM
andycheb$25.00$25.0012/7/2009 11:43:05 PM
danthemon35$25.00$25.0012/7/2009 11:52:46 PM
Divot$25.00$25.0012/7/2009 11:53:14 PM
kubien$25.00$25.0012/7/2009 11:43:34 PM
dansarkis$25.00$25.0012/7/2009 11:47:42 PM
bookloverInCA$25.00$25.0012/7/2009 11:46:04 PM
two_old_gals$25.00$25.0012/7/2009 11:52:38 PM
first-class-dime$25.00$25.0012/7/2009 11:52:41 PM
kingbutthd$25.00$25.0012/7/2009 11:58:11 PM
mooselegs19$25.00$25.0012/8/2009 7:13:03 AM
vkorichkov$30.00$30.0012/8/2009 4:03:07 AM
cerebral-return3$25.00$25.0012/8/2009 6:37:31 AM
imlosttoo$25.00$25.0012/8/2009 9:46:29 AM
kmfreymi$25.00$25.0012/8/2009 10:30:49 AM
mrkb80$25.00$25.0012/8/2009 9:39:56 AM
spname$25.00$25.0012/8/2009 9:41:50 AM
Allacalander$50.00$50.0012/8/2009 10:29:16 AM
madpinto21$30.25$30.2512/8/2009 10:39:10 AM
wise-balanced-moola$25.00$25.0012/8/2009 10:21:09 AM
repaintandrepair$25.00$25.0012/8/2009 10:54:23 AM
scrapbookwhole$25.00$25.0012/8/2009 10:42:29 AM
1750$25.00$25.0012/8/2009 11:01:46 AM
MattTheGr8$25.00$25.0012/8/2009 11:02:04 AM
cheng$25.00$25.0012/8/2009 11:04:46 AM
IIP77$25.00$25.0012/8/2009 11:05:18 AM
Haydendover$25.00$25.0012/8/2009 11:07:04 AM
angelinvestor01$25.00$25.0012/8/2009 11:11:32 AM
laudable-balance$25.00$25.0012/8/2009 11:12:29 AM
hanuman77$45.43$45.4312/8/2009 11:13:24 AM
spyro$25.00$25.0012/8/2009 10:49:14 AM
Dia_Lucri3$25.00$25.0012/8/2009 11:13:57 AM
roman1998$25.00$25.0012/8/2009 11:14:05 AM
jstefans$25.00$25.0012/8/2009 10:54:21 AM
irrelevant$25.00$25.0012/8/2009 11:14:21 AM
gristle$25.00$25.0012/8/2009 11:15:20 AM
Katburg$25.00$25.0012/8/2009 11:15:36 AM
WolRab$25.00$25.0012/8/2009 10:58:40 AM
kscc183$25.00$25.0012/8/2009 11:02:15 AM
ScottW$25.00$25.0012/8/2009 11:04:43 AM
divedude$25.00$25.0012/8/2009 11:06:40 AM
LAKESPRING$25.00$25.0012/8/2009 11:11:21 AM
takabanana$25.00$25.0012/8/2009 10:59:06 AM
orderly-loot$25.00$25.0012/8/2009 11:00:22 AM
sunshinysmiles$25.00$25.0012/8/2009 11:12:34 AM
omniviper$25.00$25.0012/8/2009 11:01:36 AM
Sam65$25.00$25.0012/8/2009 11:02:49 AM
puntme$25.00$25.0012/8/2009 11:04:17 AM
faldska$25.00$25.0012/8/2009 11:35:17 AM
KVEER$25.00$25.0012/8/2009 11:11:24 AM
ahalls$25.00$25.0012/8/2009 11:13:38 AM
herbyman$25.00$25.0012/8/2009 11:13:48 AM
BrooklynJim$25.00$25.0012/8/2009 11:14:23 AM
profit33r$25.00$25.0012/8/2009 11:39:28 AM
AGSLending$25.00$25.0012/8/2009 11:16:48 AM
ben10jen$25.00$25.0012/8/2009 11:17:33 AM
loan-machine1$25.00$25.0012/8/2009 11:20:08 AM
bugleusmc$30.00$30.0012/8/2009 12:17:09 PM
mrbigcup$25.00$25.0012/8/2009 11:53:40 AM
principal-kung-fu$25.00$25.0012/8/2009 11:54:25 AM
showmestatekid$25.00$25.0012/8/2009 12:41:29 PM
easylender$25.00$25.0012/8/2009 12:05:01 PM
LKN2RTR$25.00$25.0012/8/2009 12:09:40 PM
Payasoup$30.51$30.5112/8/2009 12:18:05 PM
WorldlyWorker$25.00$25.0012/8/2009 1:03:50 PM
credit-coach118$25.00$25.0012/8/2009 1:20:12 PM
LongTail$25.00$25.0012/8/2009 1:29:26 PM
compassion-paladin042$25.00$25.0012/8/2009 2:41:54 PM
MissionMicroFinance$45.29$45.2912/8/2009 2:42:00 PM
silver-ace$47.68$47.6812/8/2009 2:43:21 PM
Goal_Line$250.00$250.0012/8/2009 2:48:04 PM
MARSTUN$26.39$26.3912/8/2009 1:37:23 PM
albatross897$25.00$25.0012/8/2009 3:07:55 PM
NATIVEBORN$43.85$43.8512/8/2009 1:44:45 PM
Bosslady123q$25.00$25.0012/8/2009 3:14:19 PM
OLYVRC$25.00$25.0012/8/2009 3:07:37 PM
seattleite36$25.00$25.0012/8/2009 3:39:12 PM
Victor-E-Lane$25.00$25.0012/8/2009 3:39:54 PM
Railbird$25.00$25.0012/8/2009 3:42:32 PM
nuts$31.41$31.4112/8/2009 3:45:56 PM
SavannahBear$25.00$25.0012/8/2009 3:55:54 PM
mnmcarve$25.00$25.0012/8/2009 3:59:05 PM
morpholog$25.00$25.0012/8/2009 3:07:26 PM
bankofkarl$25.00$25.0012/8/2009 4:04:08 PM
virtualbank$25.00$25.0012/8/2009 3:07:45 PM
FASTIZIO_P$33.33$33.3312/8/2009 4:04:14 PM
CPAMAN$25.00$25.0012/8/2009 4:04:27 PM
thryn$25.00$25.0012/8/2009 4:07:32 PM
gotyourgear$25.00$25.0012/8/2009 3:39:14 PM
lostontheedge$25.00$25.0012/8/2009 3:39:43 PM
degster$25.00$25.0012/8/2009 3:45:59 PM
DMark69$25.00$25.0012/8/2009 3:52:48 PM
dt2812$28.76$28.7612/8/2009 3:53:37 PM
sabre79$25.00$25.0012/8/2009 4:03:31 PM
lender1x$25.00$25.0012/8/2009 4:21:27 PM
rustysailor$25.00$25.0012/8/2009 4:58:15 PM
Central_States_Mutual$25.00$25.0012/8/2009 5:08:13 PM
StWaldo$25.00$25.0012/8/2009 5:08:31 PM
CASHGIRL$75.00$75.0012/8/2009 5:10:30 PM
regahj99$25.00$25.0012/8/2009 5:10:59 PM
nick5454$38.71$38.7112/8/2009 5:10:11 PM
Orca-man$64.58$64.5812/8/2009 5:08:29 PM
DeathScythe676$25.00$25.0012/8/2009 5:11:01 PM
celkram$27.69$27.6912/8/2009 5:18:05 PM
Heatguy$75.00$75.0012/8/2009 5:18:21 PM
Theboof$25.00$25.0012/8/2009 5:10:50 PM
goldeneye777$25.00$25.0012/8/2009 5:18:07 PM
pleasant-basis$25.00$25.0012/8/2009 5:18:27 PM
pulmdoc$25.00$25.0012/8/2009 6:17:12 PM
patriot384$50.00$50.0012/8/2009 6:07:29 PM
LiquidLender$25.00$25.0012/8/2009 7:00:37 PM
unger$100.00$100.0012/8/2009 7:34:43 PM
DRA-Properties$25.00$25.0012/8/2009 7:25:41 PM
johngaltline$25.00$25.0012/8/2009 8:37:27 PM
rovo$25.00$25.0012/8/2009 9:22:26 PM
GenerousGentleMan$25.60$25.6012/8/2009 10:42:44 PM
totoro$25.00$25.0012/8/2009 9:47:36 PM
coin-investor$25.00$25.0012/8/2009 11:58:00 PM
MINDVSMATTER$50.00$50.0012/9/2009 1:49:53 AM
interest-exec9$25.00$25.0012/9/2009 3:19:01 AM
JUDAHiNVESTMENTGROUP$25.00$25.0012/8/2009 11:02:04 PM
slowpig$50.00$50.0012/8/2009 11:11:50 PM
hyperchamp$25.00$25.0012/9/2009 5:31:55 AM
heroic-benefit$50.00$50.0012/9/2009 5:42:09 AM
leverage-monger$25.00$25.0012/9/2009 6:57:55 AM
helpu88$25.00$25.0012/9/2009 7:01:56 AM
ultimatepaintball$25.00$25.0012/9/2009 8:28:03 AM
visionary-community$25.00$25.0012/9/2009 9:37:46 AM
108lender$170.66$170.6612/9/2009 9:38:33 AM
forthright-trade$25.00$25.0012/9/2009 9:40:34 AM
persistent-income2$50.00$50.0012/9/2009 8:50:14 AM
TakeCare$50.00$50.0012/9/2009 9:27:36 AM
jybank$50.00$50.0012/9/2009 9:19:31 AM
gulch$35.00$35.0012/9/2009 9:38:27 AM
7588WorkingGuy$25.00$25.0012/9/2009 9:45:34 AM
BrianRK$26.00$26.0012/9/2009 9:45:55 AM
impartial-deal$25.00$25.0012/9/2009 9:46:06 AM
Viamin$25.00$25.0012/9/2009 10:25:12 AM
JonyWinter$28.59$28.5912/9/2009 9:56:17 AM
Jcardone33$25.00$25.0012/9/2009 10:08:04 AM
pipopirate$25.00$25.0012/9/2009 10:12:19 AM
LordKinbote$25.00$25.0012/9/2009 10:39:55 AM
SomebodysMom$42.95$42.9512/9/2009 11:19:44 AM
the-bright-velocity$100.00$100.0012/9/2009 11:32:30 AM
blindtaxidriver$25.00$25.0012/9/2009 12:11:40 PM
versatilenyguy$50.00$50.0012/9/2009 2:19:02 PM
durable-investment8$25.00$25.0012/9/2009 2:23:35 PM
chrisjs15$25.00$25.0012/9/2009 1:52:48 PM
liberty-squirrel$25.00$25.0012/9/2009 3:49:20 PM
leverage-monger$50.00$50.0012/9/2009 3:24:06 PM
GOPHERBOY$60.00$60.0012/9/2009 3:55:19 PM
PotBellyPete$33.96$33.9612/9/2009 3:40:18 PM
capital-baron507$100.00$100.0012/9/2009 3:51:32 PM
445 bids
 
Borrower Payment Dependent Notes Series 436369
This series of Notes was issued and sold upon the funding of the borrower loan #39984, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% 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: $158.33
Final lender yield: 32.60% Final borrower rate/APR: 33.60% / 36.03% Final monthly payment: $155.57
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 16.20%  
Lender servicing fee: 1.00% Estimated return: 16.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-2006 Debt/Income ratio: 11%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $1,809 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bigdogjoe Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 95% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 5% )  
520-539 (Apr-2008)
 
Principal balance: $1,149.04 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
buying tools
Purpose of loan:
This loan will be used to?
need pipe threader for up coming job
My financial situation:
I am a good candidate for this loan becuse I just got my master electrician liciense and my contracting liciense in december .I am bidding on a job require rigid pipe .I have another prosper loan and never missed a payment
Monthly net income: $
4000
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 127
??Car expenses: $?250
??Utilities: $ 250
??Phone, cable, internet: $ 57
??Food, entertainment: $ 120
??Clothing, household expenses $ 50
??Credit cards and other loans: $150
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: First, let me congratulate you for making big strides with your credit! Do you plan to keep this loan for the full-term or pay it off early? - OtownLender
A: I will tryn to pay off early but I usualy keep to the payment schedual to bulid up credit history (Dec-07-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
currency-bumblebee$50.00$50.0012/4/2009 4:00:56 PM
loss-of-control$25.00$25.0012/4/2009 4:28:22 PM
SolarMoonshine$50.00$50.0012/4/2009 6:34:36 PM
Johnab$26.00$26.0012/5/2009 6:43:05 AM
well-mannered-income3$40.00$40.0012/7/2009 7:56:54 AM
brodav$50.00$50.0012/7/2009 10:45:59 AM
OtownLender$25.00$25.0012/7/2009 1:21:50 PM
double22$75.00$75.0012/7/2009 3:51:40 PM
OrdiNance$50.00$50.0012/7/2009 4:41:14 PM
fillholdingsllc$25.00$25.0012/7/2009 6:10:43 PM
forthright-dedication$25.00$25.0012/7/2009 6:11:20 PM
Babygear$45.00$45.0012/7/2009 11:23:36 PM
mt3209$25.00$25.0012/8/2009 3:15:34 AM
TakeCare$25.00$25.0012/8/2009 12:23:58 PM
unk1911$25.00$25.0012/8/2009 4:11:39 PM
Ray3486$25.00$25.0012/8/2009 5:31:21 PM
aultraman$25.00$25.0012/8/2009 5:39:19 PM
farmn$25.00$25.0012/8/2009 5:30:44 PM
icon7$30.00$30.0012/8/2009 6:31:09 PM
credit-coach118$25.00$25.0012/8/2009 11:08:51 PM
ksubd$25.00$25.0012/8/2009 9:41:59 PM
shrewd-income$50.00$50.0012/8/2009 10:05:51 PM
erccpa$83.21$83.2112/9/2009 6:19:46 AM
credit-missile$120.28$120.2812/9/2009 9:10:40 AM
jybank$25.00$25.0012/9/2009 9:17:35 AM
zone6$130.00$130.0012/9/2009 11:26:12 AM
seajab$26.51$26.5112/9/2009 11:45:15 AM
RecoveryLender$30.00$30.0012/9/2009 2:13:20 PM
piter-to-la-investment$25.00$25.0012/9/2009 2:22:14 PM
Leshan$43.00$43.0012/9/2009 1:21:21 PM
the-profit-oracle$25.00$25.0012/9/2009 1:47:26 PM
nickel-pipeline$32.00$32.0012/9/2009 3:09:51 PM
Feyenoord$25.00$25.0012/9/2009 2:53:27 PM
professional-finance$25.00$25.0012/9/2009 3:04:59 PM
blazing-capital$100.00$100.0012/9/2009 3:06:15 PM
Engineer44$30.00$14.0012/9/2009 3:56:39 PM
reflective-rupee$25.00$25.0012/2/2009 4:37:26 PM
reflective-rupee$25.00$25.0012/4/2009 9:37:06 AM
reflective-rupee$25.00$25.0012/4/2009 9:36:53 AM
building_community$25.00$25.0012/5/2009 5:38:50 AM
vivacious-p2p3$25.00$25.0012/5/2009 8:31:08 PM
honorable-yield$25.00$25.0012/6/2009 12:02:15 PM
noble-revenue$25.00$25.0012/7/2009 1:06:39 PM
nickel-mad-scientist$25.00$25.0012/7/2009 6:07:44 PM
genuine-money3$50.00$50.0012/7/2009 6:46:53 PM
unger$100.00$100.0012/8/2009 6:13:07 AM
well-mannered-income3$30.00$30.0012/8/2009 7:33:59 AM
transparency-burger$50.00$50.0012/8/2009 12:03:32 AM
TakeCare$25.00$25.0012/8/2009 12:23:42 PM
bondhedger$25.00$25.0012/8/2009 4:58:54 PM
brother_tam$100.00$100.0012/8/2009 5:07:00 PM
sturdy-peace9$50.00$50.0012/8/2009 5:25:08 PM
Tono$50.00$50.0012/8/2009 5:55:55 PM
Kash2010lu$25.00$25.0012/8/2009 6:32:14 PM
eclipse056$25.00$25.0012/8/2009 8:40:45 PM
lib5836$25.00$25.0012/8/2009 9:42:26 PM
371millwood$200.00$200.0012/9/2009 9:06:08 AM
creative-market5$50.00$50.0012/9/2009 9:24:56 AM
enriched-truth$100.00$100.0012/9/2009 10:36:30 AM
GyJAV_BNCCo$25.00$25.0012/9/2009 10:00:39 AM
Skeptical-one$50.00$50.0012/9/2009 11:17:09 AM
bestloanrate$50.00$50.0012/9/2009 12:25:48 PM
Bobusa$25.00$25.0012/9/2009 1:06:37 PM
113121$550.00$550.0012/9/2009 1:43:25 PM
quickstep$125.00$125.0012/9/2009 1:59:36 PM
squarebob$25.00$25.0012/9/2009 2:45:07 PM
reflective-rupee$25.00$25.0012/9/2009 3:18:20 PM
friendinmoney$25.00$25.0012/9/2009 3:06:57 PM
penny-surgeon$25.00$25.0012/9/2009 3:32:10 PM
69 bids
 
Borrower Payment Dependent Notes Series 436371
This series of Notes was issued and sold upon the funding of the borrower loan #39899, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Dec-04-2009 
  Auction end date:  Dec-11-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $384.51
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $384.51
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 1 First credit line: May-1993 Debt/Income ratio: 52%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 10 Total credit lines: 34Length of status:11y 11m
Amount delinquent: $30 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Homeownership: No  
Inquiries last 6m: 4    
Screen name: madman1 Borrower's state: Illinois Borrower's group: NO DELINQZ
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 58 ( 100% ) 660-679 (Latest)
Principal borrowed: $16,390.00< mo. late: 0 ( 0% )  
580-599 (Dec-2007)
580-599 (Nov-2007)
600-619 (Nov-2006)
600-619 (Sep-2006)
 
Principal balance: $1,402.29 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
4th Prosper Loan-Debt Consolidation
Miscellaneous Information
I?would like?a 4th Prosper Loan. I?paid?off a?$3,000 & $10,500 Loan?& paying?down loan?#3 of $1,400 total ($130 /mth).?This combo loan will reduce debts?& create cashflow to refinance our home?& escrow the Taxes on the Property. Our credit score has grown steadily since 3 years ago from high 590s to over 667 now.?After restructuring (thus the HR rating)?since?I joined Prosper 3 years ago, I have made 58 on-time payments (100%)?in the past 36 month period. That is a great payment record. And, it will continue?improvement with the Prosper and Mortgage loan refinancing. I have been employed at current Company 12 years.
Background History
I?have payday loans outstanding?with a?$4,800?balance + outstanding Prosper balance of $1,400 and est.$2,305 closing costs.?The payday costs are $1,394/mth for 6-8 more months.?My wife was laid off several years back?after 16 years?due to?Company relocation, so I?took out?several loans to survive that time period in a difficult job market.?We are close to being back?on track to refinance our house, escrow taxes & have much better cashflow situation. We have paid off 2 Prosper loans the past 3 years totalling $13,500. And, we are in much better position to reduce debt even more after paying off the payday loans and refincancing the house in 30 days period. We have a pending first mtge refi pending in early?January 2010.?We are?in a much better situation since 2007 and 2008 and the loan will reduce monthly payments by over $750/mth if we are?granted this loan:
Income?& Expenses
????????? ? Mthly Expenses???????????????????????????? Mthly Net Income???
Mortgage?????????????????????$ 1,925??????????????????Myself??????$ 4,046
Utilities????????????????????????$????650??????????????????Wife?????? ??$?1,525
Debt Consolidation?????$??1,394?
Prosper Loan????????????? $??? 130
Gas & Tolls???????????????? $?? ?160
Medical Bills??????????????$????? 50?
Taxes & Insurance?????$??? 185
Clothes & Misc.??????????$??? 100
Cleaning Bills????????????$??? 100
School Fees & Misc.??$??? ? 50
Property Taxes??????????$??? 423
TOTAL EXPENSES?????$ 5,167???????TOTAL INCOME???$? 5,581??
NET MTHLY SAVINGS?????????????????????????????????????????????$????414
Food Expenses is?paid from separate account?
Financial?Situation?& Loan Repayment Plan
By obtaining this loan, I can pay?down the $1,394 monthly Payday Loans & replace it with $400 mthly payment to Prosper to help cashflow. This would be a major help to my family financial housing & tax situation and?I am sure my credit score will improve to 700 by next year.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: 2 questions. The profile indicates no for home ownership yet you're doing a refi. Please clarify the status of the home and refinancing. Zero revolving debt - why payday loans with no other debt? Trying to get a bead on this, love your P record JJ - quickstep
A: Yes, I am not sure why it states no for home ownership as I have had 3 Prosper loans since we owned our home back in January 1999. So, the homeownership question should be 'yes' since 1999. That will have to get fixed. I have made all mortgage payments on time otherwise I wouldn' be eligible for FHA refinancing. I owe Payday loans along with (2) previous Prosper Loans totalling $522.00 mthly. The $392.90 loan has been paid off now & will pay off the other $130 loan with this loan.No other debt (Dec-07-2009)
Q: Congratulations on your perfect payment record through tough times. What will your cash flow situation look like with this loan and your refinance in place? What will your cash cushion be? thanks jj - quickstep
A: It will be an extraordinary savings once I can close out the $1394 monthly payday loan payments by reducing the monthly payment to $385 with this Prosper loan. Therefore, the difference will be $1,000 monthly savings; and no more payday or hard loans ever. I will then be able to pay the new mortgage that will include escrow of taxes and insurance that my old loan doesn't include now. So, this will be a great peace of mind to include them in the refinancing option. (Dec-08-2009)
Q: Hey madman1- payday loans are a scourge on the working man-- so I hope to help. Could you explain the 4 inquiries in the last 6 months with no obvious payment flaws? Best of luck with your listing. - bondhedger
A: They are definitely a scourge and was needed at the time due to wife's unemployment. However, we have struggled through all of that and just need to rid ourselves of these loans and right the ship. The inquiries should be the attempts to refinance our first mortgage since we tried twice with one Mortgage Lender along with one other that declined us. So, this was an attempt to refinance our mortgage so we can include the PITI and give my wife and family some comfort and peace of mind from now on. (Dec-08-2009)
Q: I despise payday lenders with the fury of a white-hot sun. I've placed a bid - good luck with your listing. - tigercat
A: You think you despise them, my wife detest them even more. They rip you off at 478% interest rates and when you go to fill out an app they stick you with stuff you never purchased...like credit repair or privacy protection items at $149.99. The work I've had to do to just remain honest in my payment history with them has been impeccable, even though they donot deserve it. Prosper truly is the answer to rid me of these charlatans for good. (Dec-09-2009)
Q: I just placed my bid. May you kiss those nasty pay day lenders goodbye forever. - economy-synapse
A: I promise to have all of those payday loans paid off within 30 days. That will be a load off my mind and my family budget forever. (Dec-11-2009)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$300.00$300.0012/4/2009 10:23:13 PM
reflective-rupee$100.00$100.0012/6/2009 6:50:41 PM
quickstep$50.00$50.0012/6/2009 8:30:36 PM
quickstep$100.00$100.0012/7/2009 9:14:29 AM
reflective-rupee$100.00$100.0012/7/2009 11:18:36 AM
DirtyJackBoner$50.00$50.0012/7/2009 3:46:44 PM
SolarMoonshine$100.00$100.0012/7/2009 7:02:26 PM
Bob450$25.00$25.0012/7/2009 8:29:12 PM
brother_tam$200.00$200.0012/8/2009 5:11:27 PM
VikingLender$140.00$140.0012/8/2009 5:16:27 PM
odc24$100.00$100.0012/8/2009 5:34:49 PM
orange-pound-party$25.00$25.0012/9/2009 1:00:42 PM
tigercat$50.00$50.0012/9/2009 4:47:56 PM
lender12345$25.00$25.0012/9/2009 7:55:26 PM
sensible-fund$70.00$70.0012/10/2009 1:35:28 AM
loans_to_loan$25.00$25.0012/10/2009 5:55:23 AM
DasMula$100.00$100.0012/10/2009 2:48:42 PM
piter-to-la-investment$25.00$25.0012/10/2009 4:14:34 PM
exciting-fairness$200.00$200.0012/10/2009 4:40:57 PM
vest_vortex$50.00$50.0012/10/2009 7:23:31 PM
FunkyBro$42.11$42.1112/10/2009 7:26:49 PM
Johnab$26.00$26.0012/10/2009 7:44:09 PM
myutmost$27.98$27.9812/10/2009 5:50:56 PM
Lubava$25.00$25.0012/10/2009 6:05:46 PM
Kash2010lu$25.00$25.0012/10/2009 6:18:46 PM
economy-synapse$400.00$400.0012/10/2009 9:14:43 PM
Bob450$25.00$25.0012/10/2009 8:33:09 PM
five-star-note$50.00$50.0012/11/2009 7:32:57 AM
cjames84$25.00$25.0012/11/2009 6:28:51 AM
The-CAPS-fan$50.00$50.0012/11/2009 6:42:43 AM
Hobson$30.00$30.0012/11/2009 8:02:34 AM
FallonCredit$25.00$25.0012/11/2009 7:25:17 AM
klemer$25.00$25.0012/11/2009 5:50:09 AM
martinatime$50.00$50.0012/11/2009 9:30:34 AM
niq4soccer$25.00$25.0012/11/2009 7:05:36 AM
Laxa$200.00$200.0012/11/2009 8:43:43 AM
credit-coach118$25.00$25.0012/11/2009 8:46:58 AM
Ronnieboy888$25.00$25.0012/11/2009 9:48:33 AM
five-star-note$100.00$100.0012/11/2009 9:52:23 AM
elvisloans$25.00$25.0012/11/2009 9:11:50 AM
matthewa$25.00$25.0012/11/2009 9:01:45 AM
upbeat-marketplace$25.00$25.0012/11/2009 10:58:15 AM
Zipcut$59.39$59.3912/11/2009 9:48:08 AM
farchoir$25.00$25.0012/11/2009 11:53:34 AM
crw1950$50.00$50.0012/11/2009 9:59:14 AM
enriched-truth$26.44$26.4412/11/2009 11:13:27 AM
martymaniaman$25.00$25.0012/11/2009 1:00:19 PM
piano55$28.95$28.9512/11/2009 1:14:34 PM
transparency-tomahawk$50.00$50.0012/11/2009 3:41:28 PM
Lefty_the_Lender$25.91$25.9112/11/2009 3:42:23 PM
DasMula$100.00$100.0012/11/2009 3:52:37 PM
DasMula$200.00$200.0012/11/2009 4:46:10 PM
the-profit-oracle$25.00$25.0012/11/2009 4:53:58 PM
myutmost$40.00$40.0012/7/2009 7:41:54 AM
quickstep$100.00$100.0012/7/2009 10:44:54 AM
reflective-rupee$50.00$50.0012/7/2009 11:18:21 AM
reflective-rupee$100.00$100.0012/7/2009 11:23:39 AM
reflective-rupee$100.00$100.0012/7/2009 11:23:54 AM
reflective-rupee$100.00$100.0012/7/2009 11:23:26 AM
reflective-rupee$300.00$226.4312/7/2009 11:24:40 AM
well-mannered-income3$50.00$50.0012/7/2009 5:48:04 PM
pietro_torna_indietro$25.00$25.0012/8/2009 7:29:29 AM
gold-cluster$100.00$100.0012/8/2009 7:31:12 PM
well-mannered-income3$50.00$50.0012/8/2009 7:39:44 PM
well-mannered-income3$40.00$40.0012/9/2009 12:51:21 PM
DasMula$100.00$100.0012/9/2009 5:48:28 PM
CA_Lender$25.00$25.0012/9/2009 6:25:55 PM
ksubd$50.00$50.0012/9/2009 10:39:50 PM
bondhedger$50.00$50.0012/9/2009 10:15:41 PM
brondero$150.00$150.0012/10/2009 8:59:53 AM
unk1911$25.00$25.0012/10/2009 11:25:44 AM
RainyDayFunds$25.00$25.0012/10/2009 2:20:46 PM
Lender0000$150.00$150.0012/10/2009 4:32:42 PM
friendinmoney$25.00$25.0012/10/2009 4:18:52 PM
Lender0000$150.00$150.0012/10/2009 4:32:13 PM
building_community$25.00$25.0012/10/2009 6:45:47 PM
RecoveryLender$25.00$25.0012/10/2009 7:26:17 PM
justice-hawk$50.00$50.0012/10/2009 8:24:41 PM
unger$100.00$100.0012/10/2009 7:55:47 PM
mrreynol$25.00$25.0012/10/2009 8:37:51 PM
economy-synapse$86.23$86.2312/10/2009 9:01:47 PM
unolsu5$25.00$25.0012/10/2009 10:55:50 PM
Moe87$25.00$25.0012/10/2009 11:17:43 PM
TakeCare$100.00$100.0012/10/2009 8:20:02 PM
shrewd-income$100.00$100.0012/11/2009 6:07:48 AM
Laxa$350.00$350.0012/11/2009 8:45:04 AM
welshcat$100.00$100.0012/11/2009 9:32:14 AM
soulblest$31.77$31.7712/11/2009 9:45:02 AM
enthusiastic-balance5$313.41$313.4112/11/2009 7:34:47 AM
Simply2fly$25.00$25.0012/11/2009 9:18:31 AM
DeilaMiah$51.87$51.8712/11/2009 10:22:53 AM
EEasyMoney$25.00$25.0012/11/2009 8:21:20 AM
2seriousteachers$25.00$25.0012/11/2009 8:36:46 AM
sweet-social2$25.00$25.0012/11/2009 9:09:46 AM
Happy-Man$25.00$25.0012/11/2009 11:08:02 AM
red-favorable-basis$25.00$25.0012/11/2009 11:28:32 AM
Stingray8a$25.00$25.0012/11/2009 12:56:51 PM
Catz_aplenty$25.00$25.0012/11/2009 12:36:18 PM
MoneyForNothing$29.98$29.9812/11/2009 2:55:18 PM
Sonihal$33.00$33.0012/11/2009 2:44:10 PM
best-generosity-financier$25.00$25.0012/11/2009 3:52:30 PM
friendinmoney$25.00$25.0012/11/2009 3:23:11 PM
Rip128$200.00$200.0012/11/2009 4:21:09 PM
heerzaquestion$25.00$25.0012/11/2009 4:43:36 PM
Rip128$200.00$200.0012/11/2009 4:52:22 PM
Engineer44$25.00$25.0012/11/2009 4:57:09 PM
fireferd$50.00$50.0012/11/2009 3:59:14 PM
Capit0l$25.00$25.0012/11/2009 4:25:57 PM
RugbyD$70.53$70.5312/11/2009 3:36:11 PM
interloode$500.00$500.0012/11/2009 4:22:42 PM
epic-payout$200.00$200.0012/11/2009 4:23:02 PM
squarebob$25.00$25.0012/11/2009 4:25:36 PM
112 bids
 
Borrower Payment Dependent Notes Series 436565
This series of Notes was issued and sold upon the funding of the borrower loan #39952, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Dec-04-2009 
  Auction end date:  Dec-11-2009 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $144.34
Final lender yield: 28.95% Final borrower rate/APR: 29.95% / 32.33% Final monthly payment: $144.24
 
Auction yield range: 17.20% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-1989 Debt/Income ratio: 20%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:2y 10m
Amount delinquent: $130 Revolving credit balance: $3,197 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: dream2live Borrower's state: Georgia 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: 32 ( 100% ) 660-679 (Latest)
Principal borrowed: $8,900.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
660-679 (Aug-2009)
660-679 (Dec-2007)
600-619 (Feb-2007)
 
Principal balance: $1,542.11 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
2nd Step

I need this money to pay off an existing prosper loan and auto payoff and repair. I would also like to reinvest within prosper. My credit has improved greatly since my last loan i hope to continue doing this with?you the lenders help.? I really believe in this community, my first loan?Prosper allowed me to pay off high interest loans freeing up money to help others and this will help me further the?refi of my prosper loan along wiwith my auto will take care of this payment allowing me to further improve ! My financial situation....?
My income in 2009 on my main job?approx?$59,500 should increase moderately?On my business i'll receive approx?? $17,200 after expenses? this total will?be around $19,000 @ 2009's end on my third job i received?$1,800?may slightly increase?next year.. monthly cashflow is no problem and will stay solid? as a result of this loan.??????????????????????? thanks for your help.
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)
Aberdeen$300.00$300.0012/5/2009 1:12:39 PM
SolarMoonshine$100.00$100.0012/5/2009 2:53:20 PM
silvercertificate$26.89$26.8912/7/2009 10:31:07 AM
JGuide$25.00$25.0012/7/2009 11:59:38 AM
rubylender$25.00$25.0012/8/2009 7:45:56 PM
well-mannered-income3$40.00$40.0012/9/2009 12:52:32 PM
DasMula$100.00$100.0012/9/2009 5:43:52 PM
reflective-rupee$100.00$100.0012/10/2009 9:56:13 AM
jpblan11$26.31$26.3112/10/2009 5:27:38 PM
building_community$25.00$25.0012/10/2009 6:46:00 PM
Bob450$25.00$25.0012/10/2009 8:38:35 PM
Gaelicman$25.53$25.5312/10/2009 10:14:48 PM
economy-synapse$25.00$25.0012/10/2009 9:30:28 PM
cash2lendu$50.00$50.0012/11/2009 8:31:32 AM
dorypro$25.00$25.0012/11/2009 7:56:49 AM
fatboy888$25.00$25.0012/11/2009 8:21:20 AM
fireferd$100.00$100.0012/11/2009 3:21:19 PM
five-star-note$75.00$75.0012/11/2009 3:54:22 PM
bestloanrate$25.00$25.0012/11/2009 3:59:44 PM
interloode$300.00$300.0012/11/2009 4:22:05 PM
friendinmoney$100.00$100.0012/11/2009 3:25:34 PM
carrinel$100.00$100.0012/11/2009 4:43:29 PM
brother_tam$100.00$100.0012/8/2009 5:12:35 PM
Unitas4302$300.00$300.0012/8/2009 5:35:48 PM
well-mannered-income3$50.00$50.0012/8/2009 7:40:53 PM
dorypro$25.00$25.0012/9/2009 5:02:06 PM
sensible-fund$60.00$60.0012/10/2009 5:52:40 AM
brondero$50.00$50.0012/10/2009 9:04:16 AM
reflective-rupee$150.00$150.0012/10/2009 9:59:34 AM
vest_vortex$25.00$25.0012/10/2009 7:24:55 PM
helping-out$40.00$40.0012/10/2009 5:25:50 PM
marwadi-62$25.00$25.0012/10/2009 6:25:11 PM
JGuide$50.00$50.0012/10/2009 9:06:35 PM
TakeCare$50.00$50.0012/10/2009 8:21:14 PM
JGuide$50.00$50.0012/10/2009 9:06:59 PM
credit-coach118$25.00$25.0012/11/2009 8:49:10 AM
Kash2010lu$25.00$25.0012/11/2009 8:14:51 AM
supreme-justice3$110.91$110.9112/11/2009 7:45:13 AM
upbeat-marketplace$25.00$25.0012/11/2009 10:58:57 AM
JGuide$75.00$75.0012/11/2009 11:47:39 AM
piter-to-la-investment$25.00$25.0012/11/2009 11:17:00 AM
martymaniaman$50.00$50.0012/11/2009 1:00:44 PM
Capit0l$25.00$20.3612/11/2009 3:23:43 PM
loanman2007$100.00$100.0012/11/2009 3:33:42 PM
DasMula$100.00$100.0012/11/2009 3:58:13 PM
DasMula$200.00$200.0012/11/2009 4:48:03 PM
the-profit-oracle$25.00$25.0012/11/2009 4:55:39 PM
47 bids
 
Borrower Payment Dependent Notes Series 436725
This series of Notes was issued and sold upon the funding of the borrower loan #39969, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-04-2009 
  Auction end date:  Dec-11-2009 
 
Starting lender yield: 14.55% Starting borrower rate/APR: 15.55% / 17.73% Starting monthly payment: $87.34
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $81.85
 
Auction yield range: 4.20% - 14.55% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Apr-1990 Debt/Income ratio: 46%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:1y 11m
Amount delinquent: $0 Revolving credit balance: $16,839 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 15%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 1    
Screen name: C10ARKAD Borrower's state: Arizona Borrower's group: Achieve Greatness
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: 54 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,300.00< mo. late: 0 ( 0% )  
720-739 (Nov-2009)
700-719 (Dec-2007)
720-739 (Mar-2007)
 
Principal balance: $2,198.40 1+ mo. late: 0 ( 0% )
Total payments billed: 54  
Description
Business Loan
Purpose of loan:
This loan will be used to expand?a business venture.? Funds will be used to re-design our current website, film a You Tube video for on-line marketing, printing additional copies of our teaching manuals and film our on-line course.?

My financial situation:
I am a good candidate for this loan because I have already paid back my first Prosper Loan?early and have paid timely on a second loan.? All payments are deducted from my checking account through automatic withdrawal.? I have a good job and earn more than $3,500 per month.? I am seeking a Prosper loan at a lower interest rate rather than using credit card debt? to fund the business expansion.? I am working my business in addition to working full 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)
psalms6612$25.00$25.0012/6/2009 11:10:02 AM
buphigam$25.00$25.0012/7/2009 1:05:27 PM
Book-Mark$51.69$51.6912/8/2009 7:31:54 PM
ralf206$42.51$42.5112/10/2009 12:16:43 AM
Good_Karma_Cafe$25.00$25.0012/10/2009 11:08:53 AM
noodles932$50.00$50.0012/10/2009 8:48:21 PM
oldman68$25.00$25.0012/10/2009 11:13:51 PM
wild-orange$25.00$25.0012/11/2009 3:44:26 AM
ccapital$100.00$38.9812/11/2009 8:37:26 AM
Leshan$75.00$75.0012/11/2009 8:20:29 AM
upbeat-marketplace$25.00$25.0012/11/2009 11:02:01 AM
MoneyForNothing$25.00$25.0012/11/2009 2:58:41 PM
martymaniaman$25.00$25.0012/11/2009 1:01:33 PM
gilbrear$25.00$25.0012/11/2009 3:44:56 PM
Pendruce$50.00$50.0012/11/2009 3:39:34 PM
triumphant-bonus$52.84$52.8412/11/2009 3:48:40 PM
Pu239$50.00$50.0012/11/2009 4:35:29 PM
beeslow$29.92$29.9212/11/2009 4:13:50 PM
kinetic-social$25.00$25.0012/11/2009 4:25:43 PM
flexible-income7$25.00$25.0012/11/2009 4:44:14 PM
Aberdeen$300.00$300.0012/7/2009 10:18:25 AM
agreement-accruer$25.00$25.0012/7/2009 1:11:05 PM
adventure0$400.00$400.0012/9/2009 6:32:57 PM
Bapi$25.00$25.0012/10/2009 6:12:35 PM
building_community$25.00$25.0012/10/2009 6:46:14 PM
danielamity$29.06$29.0612/10/2009 9:58:00 PM
GBlack$35.00$35.0012/10/2009 11:31:38 PM
yitbos49$50.00$50.0012/10/2009 11:12:43 PM
drb4ever$25.00$25.0012/10/2009 9:24:16 PM
gothampark$25.00$25.0012/10/2009 11:01:01 PM
the-profit-oracle$25.00$25.0012/11/2009 5:55:25 AM
glenium$25.00$25.0012/11/2009 9:34:28 AM
dudebrah$25.00$25.0012/11/2009 11:51:19 AM
r1w$95.00$95.0012/11/2009 1:31:52 PM
coin-trajectory$25.00$25.0012/11/2009 1:46:06 PM
kf88$25.00$25.0012/11/2009 1:08:59 PM
principal-star$25.00$25.0012/11/2009 2:12:09 PM
friendinmoney$25.00$25.0012/11/2009 3:32:37 PM
interloode$300.00$300.0012/11/2009 4:09:29 PM
slxvq$50.00$50.0012/11/2009 4:27:24 PM
HomerdohNY$25.00$25.0012/11/2009 4:17:11 PM
organic-platinum$25.00$25.0012/11/2009 3:49:27 PM
patriot384$150.00$150.0012/11/2009 4:36:50 PM
goodhearted-basis4$25.00$25.0012/11/2009 4:47:54 PM
44 bids
 
Borrower Payment Dependent Notes Series 437309
This series of Notes was issued and sold upon the funding of the borrower loan #39955, 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:  Dec-08-2009 
  Auction end date:  Dec-13-2009 
 
Starting lender yield: 14.31% Starting borrower rate/APR: 15.31% / 18.99% Starting monthly payment: $34.82
Final lender yield: 11.90% Final borrower rate/APR: 12.90% / 16.53% Final monthly payment: $33.65
 
Auction yield range: 4.20% - 14.31% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.76%  
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-1989 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $66 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: jhouman Borrower's state: California Borrower's group: UCLA Alumni, Staff, and Students
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
780-799 (Jul-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Reinvest into Prosper
Purpose of loan:



I have been a lender with Prosper for a month and would like to see the borrowers side to Prosper. I wil be reinvesting this money back into prosper.

My financial situation:
I am going to be a medical student next year and I am currently working at a research lab at the Cedars Sinai Medical Center. This income is what will be paying back my loan. I live with my parents so my costs are next to nothing.



Never been late on a payment.

Monthly net income: $ 2000
Information in the Description is not verified.
Friends And Family Winning Bids
UCLA4life has bid a total of $31.36 in winning bids.
"Borrower has been a member of my group since 2007. I know him personally. This will be the second time I'm lending to him."
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Stavros$50.00$50.0012/8/2009 4:20:19 PM
helping-out$63.89$63.8912/9/2009 7:42:51 PM
first-class-dime$25.00$25.0012/10/2009 2:36:32 PM
justin323$25.00$25.0012/11/2009 3:32:48 AM
iolaire$25.00$25.0012/11/2009 8:02:48 AM
Ven58$25.00$25.0012/11/2009 5:47:56 AM
Brown98$25.00$25.0012/11/2009 10:55:52 AM
bondhedger$25.00$25.0012/11/2009 2:13:15 PM
FundMaker$25.00$25.0012/11/2009 4:52:35 PM
rmpedi33$200.00$200.0012/12/2009 7:48:57 AM
drkosh$25.00$25.0012/13/2009 9:07:09 AM
2seriousteachers$25.00$25.0012/13/2009 9:05:11 AM
hellasow$25.00$25.0012/8/2009 7:46:11 PM
UCLA4life$31.36$31.3612/9/2009 12:44:21 PM
Good_Karma_Cafe$25.00$25.0012/10/2009 11:07:49 AM
jybank$100.00$100.0012/11/2009 2:06:15 PM
Dover$25.00$25.0012/11/2009 6:20:10 PM
tomjac2000$25.00$25.0012/11/2009 9:09:40 PM
BankofBadHabits$25.00$25.0012/12/2009 8:26:21 PM
springpanda$25.00$25.0012/12/2009 2:17:15 PM
Doohickey415$25.00$25.0012/12/2009 2:35:56 PM
maplehouse$50.00$50.0012/13/2009 7:22:04 AM
rome1426$25.00$25.0012/12/2009 2:37:29 PM
Bob450$25.00$4.7512/13/2009 9:19:09 AM
JGuide$50.00$50.0012/13/2009 10:17:08 AM
friendinmoney$25.00$25.0012/13/2009 12:00:18 PM
26 bids
 
Borrower Payment Dependent Notes Series 435474
This series of Notes was issued and sold upon the funding of the borrower loan #39902, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Nov-30-2009 
  Auction end date:  Dec-07-2009 
 
Starting lender yield: 28.47% Starting borrower rate/APR: 29.47% / 31.84% Starting monthly payment: $105.40
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $101.26
 
Auction yield range: 11.20% - 28.47% 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: Nov-1991 Debt/Income ratio: 4%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:15y 6m
Amount delinquent: $0 Revolving credit balance: $2,141 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 1    
Screen name: kind-valiant-p2ploan Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
EMERGENCY DENTAL
Purpose of loan:
This loan will be used to? PAY FOR EMERGENCY DENTAL WORK

My financial situation:
I am a good candidate for this loan because? I AM EMPLOYED FULL TIME AND HAVE BEEN FOR 14 YEARS AT THE SAME COMPANY

Monthly net income: $ 2000

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)
money-prophesy$150.00$150.0011/30/2009 11:15:34 AM
the-profit-oracle$25.00$25.0011/30/2009 3:29:00 PM
EngineersAlliance$75.00$75.0012/2/2009 9:40:11 AM
Thunder08$25.00$25.0012/2/2009 12:52:44 PM
nurat$30.48$30.4812/2/2009 8:45:13 PM
Streamfeeder$50.00$50.0012/3/2009 9:39:19 AM
asiaratt$100.00$100.0012/3/2009 8:29:28 PM
Supernick$25.00$25.0012/3/2009 8:47:56 PM
sharkm$25.00$25.0012/3/2009 11:15:26 PM
djh47a$25.00$25.0012/4/2009 6:14:48 AM
Artist_Blue$25.00$25.0012/4/2009 9:16:16 AM
capital-amplifier$25.00$25.0012/4/2009 9:22:44 AM
caddy5662$100.00$100.0012/4/2009 11:15:19 AM
Adaboy$25.00$1.9512/4/2009 12:28:46 PM
Defuser$50.00$50.0012/5/2009 12:27:13 PM
penny-surgeon$25.00$25.0012/6/2009 3:41:48 AM
peso-bonaza$25.00$25.0012/6/2009 8:23:11 AM
cash2lendu$50.00$50.0012/6/2009 8:22:22 PM
carmat60$25.00$25.0012/6/2009 6:53:40 PM
ogham$25.00$25.0012/7/2009 6:24:50 AM
elegant-bonus$25.00$25.0012/7/2009 8:38:06 AM
fireferd$100.00$100.0012/7/2009 8:26:10 AM
jhouman$25.00$25.0011/30/2009 10:56:53 AM
economy-synapse$25.00$25.0011/30/2009 11:17:13 AM
unk1911$25.00$25.0011/30/2009 4:21:47 PM
portfolio-turbine$25.00$25.0011/30/2009 5:09:16 PM
foothillender$25.00$25.0012/1/2009 7:34:19 AM
Bob450$25.00$25.0012/1/2009 9:47:02 AM
FundMaker$30.00$30.0012/1/2009 8:49:17 PM
wwwUniversal$25.00$25.0012/2/2009 1:28:48 PM
TakeCare$50.00$50.0012/2/2009 9:30:20 PM
Tikibarman$61.00$61.0012/3/2009 6:37:02 AM
ddoneday$25.00$25.0012/3/2009 6:48:05 AM
Snoopylover$25.00$25.0012/3/2009 9:06:52 AM
top-asset-wizard$25.00$25.0012/3/2009 2:22:21 PM
marwadi-62$50.00$50.0012/3/2009 5:35:39 PM
reflective-rupee$25.00$25.0012/3/2009 7:32:14 PM
MylesNH$25.00$25.0012/4/2009 4:09:02 AM
red-ready-principal$25.00$25.0012/4/2009 6:45:11 AM
tuneman1980$25.00$25.0012/4/2009 6:47:21 AM
a-resplendent-commitment$25.00$25.0012/4/2009 5:49:47 AM
spsavage$25.00$25.0012/4/2009 10:01:08 AM
noble-revenue$100.00$100.0012/4/2009 10:30:34 AM
rmachi$25.00$25.0012/4/2009 10:32:57 AM
AF-Chief$28.00$28.0012/4/2009 10:46:55 AM
GoodScot$25.00$25.0012/4/2009 11:52:22 AM
ChrisKwan$25.00$25.0012/4/2009 12:10:51 PM
head$25.00$25.0012/4/2009 12:10:24 PM
towering-platinum3$25.00$25.0012/4/2009 12:20:31 PM
coin-investor$25.00$25.0012/4/2009 12:20:42 PM
JayIsABear$25.00$25.0012/4/2009 2:25:52 PM
orange-pound-party$25.00$25.0012/5/2009 8:24:57 AM
SolarMoonshine$25.00$25.0012/5/2009 8:20:55 AM
vine99$50.00$50.0012/5/2009 11:16:03 AM
the-silver-blaster$50.00$50.0012/5/2009 5:58:50 PM
nethosters$25.00$25.0012/6/2009 2:34:48 PM
charming-point$200.00$200.0012/6/2009 8:56:21 PM
RMI_Babylon$30.00$30.0012/7/2009 5:41:25 AM
HomerdohNY$25.00$25.0012/7/2009 4:59:45 AM
fiserve4u$50.00$50.0012/7/2009 6:36:43 AM
just-trade0$36.00$36.0012/7/2009 8:38:31 AM
kilpat$32.57$32.5712/7/2009 6:52:32 AM
icon7$25.00$25.0012/7/2009 6:56:33 AM
vest_vortex$25.00$25.0012/7/2009 8:55:55 AM
64 bids
 
Borrower Payment Dependent Notes Series 435996
This series of Notes was issued and sold upon the funding of the borrower loan #39917, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,750.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $66.83
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 21.22% Final monthly payment: $64.15
 
Auction yield range: 11.20% - 21.00% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1999 Debt/Income ratio: 11%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $964 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: SoCalEngineer 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
Engagement Ring
Purpose of loan:
This loan will be used to buy an Engagement ring.

My financial situation:
I am a good candidate for this loan because I have spent the last six years paying off my bills and have been employed at the same company as an engineer for the last five years. I ran up a number of credit card bills along with several hospital bills (over $30,000). The credit card debt was because I was young and didn't know how to use credit. The hospital bills where from an asthma attack I had (age 22) when I didn't have insurance. I ended up spending two days in ICU and that added up quick.

As stated above, I have spent the last six years fixing my credit. As of now the only negative mark I have on my credit report is one (1) 30 day late from 2006. My credit score is on it's way up but still not high enough to get an unsecured loan from a bank. I have been with my girlfriend Heather for almost three years now and she is the most wonderful woman I have ever know. I love her very much and just recently (within the last two weeks) found out that her family is coming to Los Angeles (from Canada) to spend Christmas with us. Since her family never comes to the states I thought it would be neat to propose to her on Christmas morning with the whole family here. If you would like to know anything else feel free to ask.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 120
??Car expenses: $ 440
??Utilities: $ 75
??Phone, cable, internet: $ 75
??Credit cards and other loans: $ 25
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)
sirguyon$100.00$100.0012/1/2009 6:59:20 PM
payout-network1$25.00$25.0012/2/2009 10:30:26 AM
Yomain$25.00$25.0012/2/2009 12:43:17 PM
orange-pound-party$50.00$50.0012/4/2009 8:06:23 PM
drluong$50.00$50.0012/7/2009 12:12:04 PM
sunshinysmiles$25.00$25.0012/7/2009 12:24:48 PM
fireferd$73.13$73.1312/7/2009 1:06:00 PM
prudent-gain7$25.00$25.0012/7/2009 2:42:49 PM
innovator2$100.00$100.0012/7/2009 4:16:23 PM
gpuck$25.00$25.0012/7/2009 6:00:16 PM
khamlagirl$25.00$25.0012/7/2009 8:30:18 PM
Snoopylover$25.00$25.0012/8/2009 6:02:06 AM
Jakes_Bank$25.00$25.0012/8/2009 6:04:09 AM
Leshan$50.00$50.0012/8/2009 8:43:12 AM
jybank$25.00$25.0012/8/2009 7:27:02 AM
efficient-bid2$25.00$25.0012/8/2009 1:04:16 PM
TakeCare$25.00$25.0012/8/2009 12:45:40 PM
MoneyTree79$47.98$47.9812/8/2009 2:13:21 PM
nickel-pipeline$36.22$36.2212/8/2009 2:45:06 PM
manatee21$55.00$55.0012/8/2009 1:33:39 PM
friendinmoney$25.00$25.0012/8/2009 1:48:10 PM
semi0tical$25.00$25.0012/8/2009 1:59:14 PM
independent-investment$25.00$25.0012/8/2009 3:38:27 PM
SolarMoonshine$25.00$25.0012/3/2009 7:07:00 AM
alvinsl$25.00$25.0012/4/2009 9:45:32 AM
circustab$50.00$50.0012/4/2009 9:03:36 PM
ilikeboats$75.00$75.0012/6/2009 5:45:45 PM
Happyhourcomics$25.00$25.0012/7/2009 2:49:09 PM
Techne_Funds_LLC$25.00$25.0012/7/2009 4:06:01 PM
crjmechanic$25.00$25.0012/7/2009 3:59:56 PM
the-profit-oracle$25.00$25.0012/7/2009 5:07:27 PM
russm011$50.00$50.0012/7/2009 5:43:32 PM
rockhound84$25.00$25.0012/7/2009 7:15:35 PM
billboy85$47.00$47.0012/7/2009 6:26:41 PM
Gaelicman$100.00$100.0012/8/2009 7:03:46 AM
Chillito$50.92$50.9212/8/2009 12:15:55 AM
vtr1000$28.04$28.0412/8/2009 9:15:33 AM
Feyenoord$25.00$25.0012/8/2009 10:22:10 AM
Astyanax$25.00$25.0012/8/2009 12:45:01 PM
d_grbg$25.00$25.0012/8/2009 1:58:24 PM
exciting-fairness$200.00$111.7112/8/2009 3:29:03 PM
eamonn1$25.00$25.0012/8/2009 3:41:36 PM
kinetic-social$25.00$25.0012/8/2009 3:47:21 PM
astro128$25.00$25.0012/8/2009 3:50:14 PM
44 bids
 
Borrower Payment Dependent Notes Series 436008
This series of Notes was issued and sold upon the funding of the borrower loan #39978, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,450.00 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: 29.90% Starting borrower rate/APR: 30.90% / 33.29% Starting monthly payment: $234.06
Final lender yield: 28.00% Final borrower rate/APR: 29.00% / 31.36% Final monthly payment: $228.39
 
Auction yield range: 8.20% - 29.90% Estimated loss impact: 7.17%  
Lender servicing fee: 1.00% Estimated return: 20.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1990 Debt/Income ratio: 26%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 20 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $131,840 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bill-selector7 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Clearing up debt and cards
Purpose of loan:
This loan will be used to??consolidate debt and pay off a very high interest short term loan of $2,500. This will give me some breathing room to consolidate and pay down debt.

My financial situation:
I am a good candidate for this loan because? I don't miss payments and I have a steady position and employment. I have a significant salary with commission, but like most people, the year has been difficult so the commissions have not come back quite yet. The end of year commissions are always higher and are starting to come in at double the rate of earlier in the year, but running short every month has maxed out the credit cards. My income is weighted to the end of the year, so during the year I run at or above my expenses, with the end of the year supplying the funds for the following year. With the meltdown in 2008, the funds cushion was not as large and 2009 has been difficult to get through.

NOTE: My rev. debt includes a Home Equity line of credit and a?past debt consolidation line of credit totaling about $85k.

Monthly net income: $ $6596 after taxes per month, ($4,628 salary, $1,968 avg commission/month)

Monthly expenses: $ 6,446
??Housing: $?2,218
??Insurance: $ $110
??Car expenses: $ 468
??Utilities: $ 125
??Phone, cable, internet: $ 225
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2000
??Other expenses: $ 500 misc (unplanned extras)

NOTE: I know that my debt to income ratio is high, but I have always managed to make my payments. I have cut out most/all discretionary spending and need to get some balance for the next 3-6 months to clear up the situation.
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 exactly do you sell? Thanks - RecoveryLender
A: I sell capital equipment used in the rapid prototyping field. This is equipment used by all types of companies to design and develop new products. The equipment is used to make the first prototype of everything from shoes to cell phones, car parts to coffee cups. (Dec-07-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
TheFamilyFund$25.00$25.0012/1/2009 4:15:47 PM
tntmojave$25.00$25.0012/1/2009 4:15:26 PM
tntmojave$25.00$25.0012/1/2009 4:17:30 PM
cbz$25.00$25.0012/1/2009 4:21:07 PM
robot777$40.00$40.0012/1/2009 4:28:50 PM
efficient-principal$50.00$50.0012/1/2009 4:34:07 PM
KMSB$25.00$25.0012/1/2009 4:35:48 PM
reflective-rupee$25.00$25.0012/1/2009 4:36:51 PM
reflective-rupee$25.00$25.0012/1/2009 4:37:04 PM
caseattle$25.00$25.0012/1/2009 4:36:12 PM
Trakissta$100.00$100.0012/1/2009 7:12:45 PM
reflective-rupee$25.00$25.0012/1/2009 9:31:33 PM
reflective-rupee$25.00$25.0012/1/2009 9:31:44 PM
reflective-rupee$25.00$25.0012/1/2009 9:32:19 PM
Bob450$50.00$50.0012/1/2009 9:40:38 PM
reflective-rupee$25.00$25.0012/1/2009 9:31:56 PM
booOST$50.00$50.0012/2/2009 2:42:07 PM
KramericaIndustries$25.00$25.0012/3/2009 4:48:46 AM
smart-gain$25.00$25.0012/3/2009 4:44:28 PM
lovely-leverage$35.00$35.0012/3/2009 5:43:16 PM
OrdiNance$74.39$74.3912/3/2009 6:44:34 PM
booOST$50.00$50.0012/3/2009 8:19:32 PM
zento$25.00$25.0012/4/2009 10:26:24 AM
CincyTex$50.00$50.0012/5/2009 8:31:07 AM
tnjohnso$25.00$25.0012/5/2009 10:18:14 AM
ONECENTATATIME$25.00$25.0012/5/2009 1:32:23 PM
Ven58$25.00$25.0012/7/2009 4:04:31 AM
BradP$50.00$50.0012/7/2009 10:22:04 AM
puyanera$25.00$25.0012/7/2009 10:26:38 AM
newest-famous-velocity$25.00$25.0012/7/2009 12:53:17 PM
building_community$25.00$25.0012/7/2009 2:48:12 PM
redrose1518$25.00$25.0012/7/2009 3:14:50 PM
cashhelp$25.00$25.0012/7/2009 1:52:05 PM
penny-surgeon$25.00$25.0012/7/2009 3:06:49 PM
helping-out$120.00$120.0012/7/2009 4:02:25 PM
a-finance-nirvana$30.61$30.6112/7/2009 6:10:49 PM
Virtuallending$50.00$50.0012/7/2009 7:16:47 PM
monstersdad$36.99$36.9912/7/2009 7:42:06 PM
Loanstou$49.00$49.0012/7/2009 8:44:10 PM
CatbirdBanking$25.00$25.0012/7/2009 7:50:30 PM
ihelpunow$25.00$25.0012/7/2009 9:08:38 PM
leverage-monger$50.00$50.0012/8/2009 9:07:45 AM
wise-balanced-moola$25.00$25.0012/8/2009 9:43:17 AM
silverloan$50.00$50.0012/8/2009 6:58:48 AM
Scubadiver$27.00$27.0012/8/2009 7:02:25 AM
ronin4sale$25.00$25.0012/8/2009 6:45:35 AM
rate-hickory$25.00$25.0012/8/2009 7:42:45 AM
unfixer$25.00$25.0012/8/2009 7:37:01 AM
Leshan$50.00$50.0012/8/2009 8:44:03 AM
TakeCare$50.00$50.0012/8/2009 12:46:38 PM
cu2maro$25.00$25.0012/8/2009 1:17:36 PM
Astyanax$25.00$25.0012/8/2009 12:48:12 PM
leverage-monger$400.00$400.0012/8/2009 3:43:54 PM
goodhearted-basis4$25.00$25.0012/8/2009 3:49:27 PM
leverage-monger$400.00$400.0012/8/2009 3:42:28 PM
leverage-monger$500.00$500.0012/8/2009 3:50:05 PM
113121$25.00$25.0012/8/2009 3:54:11 PM
VentureAngel$25.00$25.0012/1/2009 4:12:22 PM
snw_1710$25.00$25.0012/1/2009 4:36:08 PM
rhin0cerx$28.84$28.8412/1/2009 4:36:32 PM
reflective-rupee$50.00$50.0012/1/2009 4:50:54 PM
the-profit-oracle$25.00$25.0012/1/2009 6:04:06 PM
reflective-rupee$25.00$25.0012/1/2009 9:31:22 PM
reflective-rupee$25.00$25.0012/1/2009 9:32:06 PM
Myrick$25.00$25.0012/2/2009 3:38:42 AM
awesome-benefit1$25.00$25.0012/2/2009 8:20:46 PM
SeaSkyGuy71$25.00$25.0012/2/2009 10:18:11 PM
tearingstar$25.00$25.0012/3/2009 9:10:01 AM
jdwb50$25.00$25.0012/3/2009 11:51:44 AM
professional-finance$25.00$25.0012/3/2009 2:28:21 PM
loss-of-control$25.00$25.0012/3/2009 7:13:26 PM
Sol_Invictus$25.00$25.0012/4/2009 4:47:56 AM
inforapenny$25.00$25.0012/4/2009 3:52:41 PM
vine99$55.00$55.0012/4/2009 4:22:09 PM
steady-dime$50.00$33.4812/5/2009 1:59:29 PM
helping-out$40.00$40.0012/5/2009 6:45:48 PM
groundsquirrel$25.00$25.0012/5/2009 10:29:55 PM
Bank_Of_XL$100.00$100.0012/7/2009 7:29:57 AM
brondero$100.00$100.0012/7/2009 10:06:26 AM
mercuriant$25.00$25.0012/7/2009 10:14:26 AM
buffalobills$25.00$25.0012/7/2009 10:32:37 AM
Syzygy$25.00$25.0012/7/2009 1:14:10 PM
bestloanrate$50.00$50.0012/7/2009 1:31:30 PM
KSPHoldings$25.00$25.0012/7/2009 12:30:11 PM
peso-bonaza$25.38$25.3812/7/2009 2:55:23 PM
jgar_O$50.00$50.0012/7/2009 3:24:08 PM
hellasow$25.00$25.0012/7/2009 1:48:19 PM
ihelpunow$50.00$50.0012/7/2009 2:27:27 PM
double22$50.00$50.0012/7/2009 2:45:52 PM
BankofRon$25.00$25.0012/7/2009 2:38:28 PM
nickel-mad-scientist$25.00$25.0012/7/2009 6:07:37 PM
armstrjc_04$27.24$27.2412/7/2009 7:24:26 PM
orange-pound-party$25.00$25.0012/7/2009 9:08:49 PM
wwwUniversal$25.00$25.0012/8/2009 4:56:08 AM
umfan123$25.00$25.0012/8/2009 6:25:54 AM
nala2821$25.00$25.0012/8/2009 6:12:32 AM
AuroraRobbin$50.00$50.0012/8/2009 7:16:29 AM
jybank$25.00$25.0012/8/2009 7:28:33 AM
Feyenoord$25.00$25.0012/8/2009 10:10:55 AM
padewy$25.00$25.0012/8/2009 11:35:20 AM
leverage-monger$100.00$100.0012/8/2009 11:49:33 AM
muirheaj$25.00$25.0012/8/2009 12:24:57 PM
TakeCare$25.00$25.0012/8/2009 12:47:36 PM
PotBellyPete$27.07$27.0712/8/2009 1:22:16 PM
a-reasonable-return$25.00$25.0012/8/2009 2:33:11 PM
99Lender$25.00$25.0012/8/2009 1:29:23 PM
leverage-monger$200.00$200.0012/8/2009 2:04:33 PM
worldly-gold$200.00$200.0012/8/2009 3:46:13 PM
0403$25.00$25.0012/8/2009 3:58:44 PM
leverage-monger$150.00$150.0012/8/2009 3:54:05 PM
110 bids
 
Borrower Payment Dependent Notes Series 436038
This series of Notes was issued and sold upon the funding of the borrower loan #39958, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,950.00 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: 26.00% Starting borrower rate/APR: 27.00% / 29.33% Starting monthly payment: $79.61
Final lender yield: 22.50% Final borrower rate/APR: 23.50% / 25.79% Final monthly payment: $75.99
 
Auction yield range: 8.20% - 26.00% Estimated loss impact: 7.03%  
Lender servicing fee: 1.00% Estimated return: 15.47%  
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: 9 First credit line: Sep-1995 Debt/Income ratio: 8%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 22Length of status:3y 3m
Amount delinquent: $200 Revolving credit balance: $115,728 Occupation: Professional
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: 0    
Screen name: magnificent-trade2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Expenses
Purpose of loan:
This loan will be used to pay expenses?for my?wedding.?I had no idea how much the expenses mount.?

My financial situation:
I am a good candidate for this loan because I have stability. I pay my creditors, receive a good income, lived in my condo for the past eight years?and I have?job?in an industry that I have?fifteen years of experience.?Once I am married, we will have an influx of cash from the wedding that we can pay back the loan early.

I?do a revolving home equity line of credit instead of a home equity loan because my finance and I will be looking to move and therefore wanted a lower payment until we sell my condo. This is why I have a high revovling credit balance.

Also, I know my credit shows I have $200 in delinquent. I am not sure why. I am current on my accounts. I do have a couple of medical collections I am trying to resolve but as for creditors I am current.

If you have any questions, please ask.

Thank you for taking time to read my profile.

Monthly net income: $ 3,800?(after taxes, health insurance,?etc). ?

Monthly expenses: $
??Housing: $ 1250 includes Home equity line
??Insurance: $ 30
??Car expenses: $?100?
??Utilities: $?150
??Phone, cable, internet: $?150
??Food, entertainment: $ 300?
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
caseattle$25.00$25.0012/1/2009 4:36:13 PM
sirguyon$50.00$50.0012/1/2009 7:06:20 PM
hellasow$25.00$25.0012/3/2009 4:18:11 PM
lender-inc$50.00$50.0012/3/2009 4:43:46 PM
ONECENTATATIME$25.00$25.0012/3/2009 6:00:08 PM
rustysailor$35.00$35.0012/4/2009 6:41:47 AM
IPG1$25.00$25.0012/7/2009 9:30:06 AM
Syzygy$25.00$25.0012/7/2009 1:14:42 PM
building_community$25.00$25.0012/7/2009 2:48:26 PM
nickel-mad-scientist$25.00$25.0012/7/2009 6:07:40 PM
havok555$30.37$30.3712/7/2009 9:08:45 PM
umfan123$25.00$25.0012/8/2009 6:26:38 AM
plouie$37.39$37.3912/8/2009 8:17:26 AM
wise-balanced-moola$25.00$25.0012/8/2009 9:43:18 AM
kapplcd$25.00$25.0012/8/2009 9:46:44 AM
Leshan$50.00$50.0012/8/2009 8:44:58 AM
TakeCare$75.00$75.0012/8/2009 12:49:53 PM
sfd$50.00$50.0012/8/2009 2:40:17 PM
independent-investment$25.00$25.0012/8/2009 3:39:49 PM
nala2821$25.00$25.0012/8/2009 3:43:36 PM
momentous-transaction8$75.00$75.0012/8/2009 3:51:50 PM
worldly-gold$100.00$100.0012/8/2009 3:55:38 PM
aultraman$25.00$25.0012/8/2009 3:00:37 PM
andrewgl$73.13$73.1312/8/2009 3:36:20 PM
EretzCapital$88.37$66.1112/8/2009 3:58:47 PM
robot777$40.00$40.0012/1/2009 4:28:51 PM
SolarMoonshine$25.00$25.0012/3/2009 6:27:24 AM
nickel-pipeline$33.00$33.0012/3/2009 4:52:19 PM
Bank_Of_XL$50.00$50.0012/4/2009 4:20:09 PM
Ven58$25.00$25.0012/4/2009 4:23:41 PM
tnjohnso$25.00$25.0012/5/2009 10:18:15 AM
vine99$50.00$50.0012/5/2009 4:03:10 PM
Nemo2001$30.00$30.0012/7/2009 10:00:03 AM
HermanstadtKid$25.00$25.0012/7/2009 12:49:55 PM
buffalobills$25.00$25.0012/7/2009 3:52:24 PM
Unitas4302$50.00$50.0012/7/2009 4:57:34 PM
genuine-money3$50.00$50.0012/7/2009 6:48:01 PM
juxtapose$25.00$25.0012/8/2009 10:07:55 AM
Feyenoord$25.00$25.0012/8/2009 10:16:43 AM
djkaiser$25.00$25.0012/8/2009 10:29:37 AM
YoungTaxMan$50.00$50.0012/8/2009 1:32:00 PM
jybank$25.00$25.0012/8/2009 1:10:27 PM
the-profit-oracle$25.00$25.0012/8/2009 1:24:58 PM
SCRUGZY$25.00$25.0012/8/2009 3:40:25 PM
leverage-monger$200.00$200.0012/8/2009 3:45:25 PM
credit-coach118$25.00$25.0012/8/2009 3:47:19 PM
nickel-pipeline$25.00$25.0012/8/2009 3:50:08 PM
113121$25.00$25.0012/8/2009 3:54:42 PM
helping-out$30.00$30.0012/8/2009 3:06:35 PM
49 bids
 
Borrower Payment Dependent Notes Series 436060
This series of Notes was issued and sold upon the funding of the borrower loan #39966, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $298.56
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $298.56
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 1 First credit line: Jan-1991 Debt/Income ratio: 22%
Credit score: 600-619 (Nov-2009) Current / open credit lines: 16 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:7y 4m
Amount delinquent: $0 Revolving credit balance: $18,283 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 110%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: myGodisgood 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: 28 ( 82% ) 600-619 (Latest)
Principal borrowed: $7,800.00< mo. late: 6 ( 18% )  
500-519 (Dec-2006)
500-519 (Dec-2006)
500-519 (Nov-2006)
 
Principal balance: $765.92 1+ mo. late: 0 ( 0% )
Total payments billed: 34  
Description
*** 2nd Loan; Never Late ***
I am an excellent candidate for this loan because I have paid all my bills since my first credit in 1991 regardless of the economic situation. This loan will pay off some credit cards including the remaining two prosper payments. When this loan is funded, I will be saving over $600 in monthly payments.
This loan is even less than my last prosper loan. I did not disappoint prosper lenders then, and I will definitely not disappoint them now.
BUDGET: Prosper 397.04; Mort 2,184; Gas 200; Car ins. 40; Food 400; Cards 954; Utilities 580; Life ins 75; Savings 1,000; others 700; (Net $7,761.26 ? $6,833.00 exp; $928.26 surpluses) Your investment is very safe because I take my credit serious. Happy holidays!
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 why 6 of your current Prosper loan payments were late. thanks - reflective-rupee
A: I forgot to notify prosper early to update my banking information when I changed bank account. This was during prosper quiet period when every process was very slow, but the fault is mine. Moreover, there was a little confusion when I thought I was on automatic payment, but manual payments were expected. However, the end result shows my credit integrity because all my credit accounts are current with only two payments left to pay off prosper. Reflective-Rupee: thanks for being a strong supporter (Dec-02-2009)
Q: Congratulations on your 100 pt credit score and great repayment rate. Could you describe the nature and stability of your employment and your vision of becoming debt free in the future. thanks, jj - quickstep
A: Thanks for the excellent question; my employment is as solid as a rock. I have been the GM for the same company for over 7years. I am seeking for this assistance because I took advantage of some rental properties that were overhauled. The tenants are in, and my financial future is great. Quickstep: Thanks for being a dedicated supporter. (Dec-03-2009)
Q: Could you address the bank card utilization. The balance is not particularly high but the 110% utilization rate seems high as reported. thanks JJ - quickstep
A: Card utilization: (1) I used my credit cards to overhaul my rental properties. (2) Some of my credit cards limits were decreased. Regardless, my spending was still below 50% until I closed some cards with balances, then that pushed the utilization rate over 100%. The bank advised me never to close account with balances because it takes away from the available balance. Prosper loan will help pay off these cards. I get a huge backup from my savings. There is no risk on this loan. GO ALL THE WAY! (Dec-03-2009)
Q: Hey myGodisgood-- mine is too and I wish the same for everyone. With your previous loan performance, do you have any "friend/family" bids that could show up?-- or previous bidders interested? Thanks and best of luck with your loan funding. - bondhedger
A: Prosper is still working on re-instating some states back to lending status; unfortunately, most of my top bidders from last loan live in these states. However, God has just sent an angel to fund the loan. Thanks for supporting this loan, and you will not be disappointed because I take my credit rating and prosper relationship very serious. Prosper has been a true blessing to my family. Happy holidays! (Dec-07-2009)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$25.00$25.0012/1/2009 4:37:06 PM
prudent-gain7$25.00$25.0012/2/2009 6:05:19 AM
Bob450$25.00$25.0012/1/2009 9:18:26 PM
quickstep$50.00$50.0012/3/2009 4:44:44 AM
reflective-rupee$100.00$100.0012/3/2009 9:33:31 AM
reflective-rupee$50.00$50.0012/3/2009 1:07:47 PM
SolarMoonshine$25.00$25.0012/3/2009 6:26:02 PM
tigercat$50.00$50.0012/3/2009 6:10:35 PM
reflective-rupee$500.00$500.0012/4/2009 9:35:08 AM
reflective-rupee$66.00$66.0012/4/2009 9:35:24 AM
reflective-rupee$330.00$330.0012/4/2009 10:19:50 AM
currency-bumblebee$100.00$100.0012/4/2009 3:49:52 PM
gold-cluster$25.00$25.0012/4/2009 5:00:02 PM
MikeSeattle$25.00$25.0012/5/2009 6:25:07 PM
vest_vortex$50.00$50.0012/6/2009 3:52:59 PM
well-mannered-income3$50.00$50.0012/7/2009 7:44:44 AM
unk1911$25.00$25.0012/7/2009 10:12:39 AM
reflective-rupee$200.00$200.0012/7/2009 11:19:38 AM
GlenBank$100.00$100.0012/7/2009 1:36:45 PM
supreme-justice3$100.00$100.0012/7/2009 1:14:33 PM
quickstep$50.00$50.0012/7/2009 1:34:15 PM
helping-out$30.00$30.0012/7/2009 4:04:08 PM
113121$25.00$25.0012/7/2009 4:54:12 PM
PugDog$25.00$25.0012/7/2009 6:53:32 PM
113121$3,300.00$1,221.1112/7/2009 7:04:00 PM
grepzilla$25.00$25.0012/7/2009 9:06:13 PM
stockcop$75.00$75.0012/7/2009 7:53:42 PM
EEasyMoney$25.00$25.0012/7/2009 9:19:03 PM
martymaniaman$25.00$25.0012/8/2009 6:34:44 AM
Scubadiver$27.00$27.0012/8/2009 7:05:36 AM
DonDiego$25.00$25.0012/8/2009 3:44:24 AM
nala2821$25.00$25.0012/8/2009 5:28:12 AM
Gaelicman$50.00$50.0012/8/2009 7:02:49 AM
unger$100.00$100.0012/8/2009 6:19:48 AM
balance-warrior$25.00$25.0012/8/2009 7:57:57 AM
credit-coach118$25.00$25.0012/8/2009 8:41:24 AM
melito75$34.78$34.7812/8/2009 10:40:13 AM
JGuide$25.00$25.0012/8/2009 10:06:00 AM
TakeCare$50.00$50.0012/8/2009 12:19:33 PM
credit-elation1$25.00$25.0012/8/2009 12:03:03 PM
crw1950$50.00$50.0012/8/2009 12:49:56 PM
friendinmoney$25.00$25.0012/8/2009 1:51:54 PM
Calif-smo$110.00$110.0012/8/2009 2:33:25 PM
interloode$200.00$200.0012/8/2009 3:40:39 PM
jjsparks28$41.68$41.6812/8/2009 3:57:08 PM
reflective-rupee$75.00$75.0012/2/2009 9:37:53 AM
quickstep$200.00$200.0012/2/2009 4:02:44 PM
reflective-rupee$100.00$100.0012/2/2009 8:15:28 PM
supreme-hope$25.00$25.0012/3/2009 2:06:07 AM
reflective-rupee$330.00$330.0012/4/2009 9:47:06 AM
reflective-rupee$125.00$125.0012/6/2009 7:24:46 PM
epic-payout$50.00$50.0012/7/2009 9:58:04 AM
supreme-justice3$100.00$100.0012/7/2009 11:02:21 AM
zone6$194.43$194.4312/7/2009 11:34:20 AM
epic-payout$50.00$50.0012/7/2009 12:53:58 PM
JGuide$50.00$50.0012/7/2009 1:21:35 PM
epic-payout$100.00$100.0012/7/2009 3:08:03 PM
double22$100.00$100.0012/7/2009 3:13:00 PM
reliable-vigilance$50.00$50.0012/7/2009 4:16:37 PM
well-mannered-income3$40.00$40.0012/7/2009 5:34:47 PM
lender12345$25.00$25.0012/7/2009 5:52:14 PM
forthright-dedication$25.00$25.0012/7/2009 6:07:56 PM
Kash2010lu$25.00$25.0012/7/2009 6:09:36 PM
adam28$25.00$25.0012/7/2009 6:15:01 PM
JGuide$25.00$25.0012/7/2009 6:36:13 PM
orange-pound-party$25.00$25.0012/7/2009 9:11:30 PM
gold-cluster$100.00$100.0012/7/2009 7:49:15 PM
Happy-Man$25.00$25.0012/7/2009 10:34:07 PM
heto2005$25.00$25.0012/8/2009 1:51:05 AM
Bobusa$25.00$25.0012/8/2009 5:00:10 AM
pietro_torna_indietro$25.00$25.0012/8/2009 7:26:36 AM
momentous-transaction8$75.00$75.0012/8/2009 10:25:34 AM
MOVet$25.00$25.0012/8/2009 9:42:47 AM
Feyenoord$25.00$25.0012/8/2009 9:59:55 AM
Champion_Lending$25.00$25.0012/8/2009 10:53:02 AM
eboomer2611$25.00$25.0012/8/2009 12:40:10 PM
Nasdaq$25.00$25.0012/8/2009 2:08:58 PM
Calif-smo$100.00$100.0012/8/2009 2:30:39 PM
Rip128$100.00$100.0012/8/2009 2:42:42 PM
79 bids
 
Borrower Payment Dependent Notes Series 436062
This series of Notes was issued and sold upon the funding of the borrower loan #39911, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 8.68% Starting borrower rate/APR: 9.68% / 10.02% Starting monthly payment: $96.35
Final lender yield: 6.15% Final borrower rate/APR: 7.15% / 7.49% Final monthly payment: $92.84
 
Auction yield range: 3.20% - 8.68% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 10 First credit line: Sep-1998 Debt/Income ratio: 8%
Credit score: 720-739 (Nov-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $12,122 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: nickel-bluebird Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cosolidate high rate balances
Purpose of loan:
This loan will be used to consolidate high rate CC balances to allow myslef to pay them off on scheduled payments.? The rate is near 30% on a close to $5,000 balance now and keeps climbing due to the high rate.

My financial situation:
I am a good candidate for this loan because I have a steady job and have just been putting off paying for this one CC over the years because at one point it was at 0% interest.? I understand that 0% is no longer as available as it once was and would like to get a reasonable rate of interest somewhere around 8%.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
money-prophesy$150.00$150.0012/1/2009 4:34:24 PM
the-profit-oracle$25.00$25.0012/1/2009 5:45:53 PM
FundMaker$25.00$25.0012/1/2009 6:03:16 PM
blot44$100.00$100.0012/1/2009 5:59:03 PM
turbospeed$25.00$25.0012/2/2009 12:12:06 AM
neenerman$75.00$75.0012/2/2009 2:27:23 PM
hellasow$30.00$30.0012/3/2009 8:06:45 AM
The-Lighthouse-Group$25.00$25.0012/4/2009 8:22:16 AM
JeffHoll$100.00$100.0012/4/2009 7:09:20 AM
market-jam$100.00$100.0012/4/2009 9:29:49 AM
shamrocker$25.00$25.0012/4/2009 12:25:02 PM
elegant-bonus$25.00$25.0012/4/2009 4:17:45 PM
pedestrianme$25.00$25.0012/5/2009 11:44:17 AM
HealthAndSafety$100.00$100.0012/5/2009 4:34:52 PM
wrighco$25.00$25.0012/6/2009 12:30:18 PM
Cheburashka$30.00$30.0012/6/2009 4:22:41 PM
JerryB96$25.00$25.0012/6/2009 9:15:09 PM
rmachi$25.00$25.0012/7/2009 8:58:44 AM
amit_gu$100.00$100.0012/7/2009 1:51:49 PM
khamlagirl$25.00$25.0012/7/2009 8:32:35 PM
martymaniaman$25.00$25.0012/8/2009 6:35:38 AM
WILender2$50.00$50.0012/8/2009 3:49:22 AM
Approved$25.00$25.0012/8/2009 9:28:33 AM
Richmp412$25.00$25.0012/8/2009 7:56:11 AM
kmfreymi$25.00$25.0012/8/2009 8:34:53 AM
esander2$29.08$29.0812/8/2009 9:57:04 AM
surfsider123$25.00$25.0012/8/2009 10:08:35 AM
wise-balanced-moola$25.00$25.0012/8/2009 10:11:07 AM
wwwUniversal$25.00$25.0012/8/2009 2:31:28 PM
wildanne$25.00$25.0012/2/2009 3:15:15 PM
outofoffice$50.00$50.0012/2/2009 3:48:49 PM
generous-deal6$30.00$30.0012/3/2009 12:01:55 AM
helping-out$25.00$25.0012/3/2009 8:32:46 PM
puifais$25.00$25.0012/3/2009 8:42:36 PM
sjlender$25.00$25.0012/3/2009 9:47:50 PM
JohnGalt94$25.00$25.0012/3/2009 9:03:07 PM
nhm$50.00$50.0012/3/2009 9:42:43 PM
QuinMccoy$25.00$25.0012/4/2009 4:57:26 AM
djh47a$40.00$40.0012/4/2009 6:19:06 AM
Marathoner$25.00$25.0012/4/2009 9:36:18 AM
impartial-deal$32.11$32.1112/4/2009 11:18:35 AM
Tulalue$25.00$25.0012/4/2009 11:41:12 AM
cocopuffs$25.00$25.0012/4/2009 2:01:16 PM
a-shiny-dime$25.00$25.0012/4/2009 2:46:21 PM
dontscrewmeover1$100.00$100.0012/5/2009 4:10:32 AM
inqbus$25.00$25.0012/5/2009 4:29:09 PM
payontime1$50.00$50.0012/5/2009 5:21:58 PM
cash-vault$25.00$25.0012/5/2009 5:47:37 PM
the-debt-fluffy-bunny$25.00$25.0012/5/2009 11:17:47 PM
fortytwo$200.00$200.0012/6/2009 4:18:04 AM
octoberfresh$25.00$25.0012/6/2009 6:42:51 AM
Sixmil$25.00$25.0012/6/2009 11:50:08 AM
dmitriy2$25.00$25.0012/6/2009 5:48:05 PM
esabzb$25.00$20.8112/6/2009 10:27:58 PM
heerzaquestion$25.00$25.0012/7/2009 10:44:16 AM
SeaLoans$25.00$25.0012/7/2009 10:05:01 AM
bossyboots01$25.00$25.0012/7/2009 11:01:08 AM
icon7$25.00$25.0012/7/2009 12:27:11 PM
thedoctor$80.00$80.0012/7/2009 1:19:32 PM
Pickmar$25.00$25.0012/7/2009 12:35:34 PM
Kelor99$25.00$25.0012/7/2009 4:10:42 PM
orbital-gain$50.00$50.0012/7/2009 4:46:01 PM
Ricajote$50.00$50.0012/7/2009 4:58:27 PM
MO_Investor$25.00$25.0012/7/2009 5:41:49 PM
YummiBear$25.00$25.0012/7/2009 6:13:15 PM
derbier122x$33.00$33.0012/7/2009 6:57:30 PM
BankofPaul$25.00$25.0012/7/2009 6:39:05 PM
BankofBeth$25.00$25.0012/7/2009 10:16:04 PM
moneytree01$25.00$25.0012/7/2009 10:03:19 PM
jmainc$25.00$25.0012/8/2009 6:28:54 AM
bondo41$25.00$25.0012/8/2009 6:45:01 AM
bid-papyrus$25.00$25.0012/8/2009 10:39:46 AM
wise-balanced-moola$25.00$25.0012/8/2009 10:11:14 AM
RIVERBEND$25.00$25.0012/8/2009 10:45:23 AM
MStackIV$25.00$25.0012/8/2009 12:28:29 PM
texrob20$25.00$25.0012/8/2009 12:52:20 PM
StocksMan$50.00$50.0012/8/2009 3:58:09 PM
77 bids
 
Borrower Payment Dependent Notes Series 436066
This series of Notes was issued and sold upon the funding of the borrower loan #39908, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Dec-01-2009 
  Auction end date:  Dec-08-2009 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.44% Final monthly payment: $54.28
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1983 Debt/Income ratio: 26%
Credit score: 680-699 (Nov-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 31Length of status:36y 11m
Amount delinquent: $270 Revolving credit balance: $21,224 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: dedication-fort 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
Software for Membership Website
Purpose of loan:
I will use the loan to purchase software to develop my database and sequential membership website. This website provides several levels of training for real estate financial personnel, brokers, and investors.
These personnel pay a graduated monthly fee, ranging from $27 to $97 as they move from level to level.
The soft is needed to manage all the training and payment activities.
My current current full-fime employment is as an Human Resources Analyst with a Community College District. I am fully able to repay this loan.


My financial situation:
I am a good candidate for this loan because? I have a solid, long-term work history with the same employer: over twenty years. I am fully able to meet my monthly obligations

Monthly net income: $ 4700

Monthly expenses: $ 3410.72
??Housing: $ 1334.72
??Insurance: $ 125
??Car expenses: $335
??Utilities: $ 130
??Phone, cable, internet: $ 150
??Food, entertainment: $ 473
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 455
??Other expenses: $ 183
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How Long will it take for you to repay the small loan? - aycinvestments
A: Hello, Based on my financial projections, I expect to be able to pay of the principal and accrued interest no later than 04/30/09. However, once my new system is up an running, I'm certain I can beat my projections. Regards, dedication-fort (Dec-04-2009)
Q: Please explain your delinquency - vest_vortex
A: Hello vest_vortex, Thanks for responding. Regarding the reported delinquency, the only thing I can think of is an issue with a medical group and my health plan. My health plan is requesting additional information for the services the medical group rendered. The medical group is insisting that I make a payment, even though my health insurance will eventually make the payment once the medical group sends the proper supporting documents to my health plan. Regards, dedication-fort (Dec-06-2009)
Q: When do you plan on using the money. - aycinvestments
A: Hello aycinvestments, Once I'm funded, I plan to purchase the programs and get my activity going. I currently have a good-sized list of potential participants. Thanks, dedication-fort (Dec-07-2009)
Q: When do you plan on using the money ? Will all of it be used for the same purpose? - aycinvestments
A: Hello aycinvestments, I plan to use the funds immediately. Yes, the funds will be used for the same purpose. Thanks, dedication-fort (Dec-07-2009)
Q: Wiil the funds all be used for one purpose? - aycinvestments
A: Hello aycinvestments, Yes, the funds will be used for my business membership website. Thanks, dedication-fort (Dec-07-2009)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
aycinvestments$25.00$25.0012/2/2009 5:23:58 AM
SolarMoonshine$25.00$25.0012/6/2009 1:15:12 PM
jpf27$100.00$100.0012/7/2009 12:25:24 PM
double22$50.00$50.0012/7/2009 3:30:02 PM
reliable-vigilance$50.00$50.0012/7/2009 4:11:10 PM
vest_vortex$25.00$25.0012/7/2009 5:05:31 PM
aycinvestments$50.00$50.0012/8/2009 2:55:04 PM
investment-forte$25.00$25.0012/8/2009 3:19:50 PM
Kissabledevil$100.00$25.0012/8/2009 3:21:01 PM
independent-investment$25.00$25.0012/8/2009 3:41:31 PM
aycinvestments$150.00$150.0012/5/2009 8:02:07 AM
unk1911$25.00$25.0012/7/2009 10:12:39 AM
SNH$50.00$50.0012/7/2009 10:18:18 AM
aycinvestments$100.00$100.0012/7/2009 11:36:18 AM
Eloise62$75.00$75.0012/7/2009 12:26:31 PM
Unitas4302$100.00$100.0012/7/2009 4:42:53 PM
Bob450$50.00$50.0012/7/2009 6:47:40 PM
Bidders$100.00$100.0012/8/2009 10:34:52 AM
cozy-coin5$25.00$25.0012/8/2009 10:57:13 AM
TakeCare$25.00$25.0012/8/2009 12:54:45 PM
penny-sergeant$25.00$25.0012/8/2009 1:17:59 PM
aycinvestments$50.00$50.0012/8/2009 2:53:39 PM
kinetic-social$25.00$25.0012/8/2009 3:49:38 PM
23 bids
 
Borrower Payment Dependent Notes Series 436202
This series of Notes was issued and sold upon the funding of the borrower loan #39967, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $100.73
Final lender yield: 21.00% Final borrower rate/APR: 22.00% / 24.26% Final monthly payment: $95.48
 
Auction yield range: 8.20% - 25.00% Estimated loss impact: 6.99%  
Lender servicing fee: 1.00% Estimated return: 14.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2009) Current / open credit lines: 6 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 24Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $9,975 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: balance-molecule 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 For Medical School
Purpose of loan:

Pay for equipment, books, and other costs for medical school.

My financial situation:

I don't have an expensive lifestyle, but I just started medical school and moved homes to do it - so there were many one-time costs in moving and buying medical school equipment (stethoscope, an array of exam tools, books). I'm a great candidate for this loan because I am always on time with my monthly payments and take financial matters very seriously. I've had all my credit lines open and close in good standing (my mediocre rating is because of student debt). I'll use electronic withdrawal from my bank account with this loan so there will never be any payment issues.


Monthly net income: $35k/yr in living oriented disposable income from financial aid and affiliate marketing side projects in the online sector.

Monthly expenses: $ 2265 - Thanks so much for reading this far. Happy Holidays and blessings to you and your family.
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)
Brown98$25.00$25.0012/4/2009 9:53:47 AM
vine99$60.00$60.0012/5/2009 4:06:24 PM
vivacious-p2p3$25.00$25.0012/5/2009 8:25:38 PM
hellasow$25.00$25.0012/7/2009 1:32:25 PM
double22$50.00$50.0012/7/2009 3:19:54 PM
DirtyJackBoner$50.00$50.0012/7/2009 3:43:43 PM
TakeCare$75.00$75.0012/8/2009 12:29:34 PM
lender12345$100.00$100.0012/8/2009 4:18:04 PM
zorbadgreek$25.00$25.0012/8/2009 8:46:24 PM
MrLeft$30.00$30.0012/9/2009 6:39:21 AM
iolaire$25.00$25.0012/9/2009 10:25:47 AM
drjekyllus$25.00$25.0012/9/2009 11:56:47 AM
Bob450$50.00$50.0012/9/2009 12:56:32 PM
the-profit-oracle$25.00$25.0012/9/2009 1:41:30 PM
heerzaquestion$25.00$25.0012/9/2009 1:26:54 PM
AuroraRobbin$50.00$50.0012/9/2009 1:16:00 PM
VBPlayer$40.00$40.0012/9/2009 3:04:21 PM
Land_on_your_feet$27.55$27.5512/9/2009 2:19:07 PM
GyJAV_BNCCo$25.00$25.0012/9/2009 3:08:20 PM
leverage-monger$50.00$50.0012/9/2009 3:22:39 PM
squarebob$25.00$25.0012/9/2009 2:52:03 PM
Feyenoord$25.00$25.0012/9/2009 3:27:02 PM
reflective-rupee$25.00$25.0012/9/2009 3:21:39 PM
unger$100.00$100.0012/9/2009 3:55:13 PM
RecoveryLender$25.00$25.0012/9/2009 3:55:31 PM
wild-orange$25.00$25.0012/9/2009 3:33:43 PM
efficient-bid2$25.00$25.0012/9/2009 3:42:34 PM
VT2VA$25.00$25.0012/9/2009 3:47:16 PM
GOPHERBOY$25.00$25.0012/9/2009 3:52:46 PM
kccameo$25.00$25.0012/3/2009 8:09:35 PM
brondero$250.00$250.0012/7/2009 10:01:41 AM
OtownLender$50.00$50.0012/7/2009 1:17:35 PM
lender12345$65.05$65.0512/7/2009 5:40:05 PM
SunriseTrader1$25.00$25.0012/8/2009 5:12:43 PM
DRA-Properties$43.14$43.1412/8/2009 7:10:50 PM
orange-pound-party$25.00$25.0012/8/2009 8:58:26 PM
hillerod$25.00$25.0012/8/2009 8:25:55 PM
ihelpunow$75.00$75.0012/8/2009 9:14:54 PM
earth70s$25.00$25.0012/8/2009 10:41:18 PM
FCandL$25.00$25.0012/9/2009 8:40:11 AM
Mindful7$25.00$25.0012/9/2009 6:52:12 AM
jybank$25.00$25.0012/9/2009 9:15:06 AM
371millwood$200.00$71.2612/9/2009 9:08:05 AM
bestloanrate$50.00$50.0012/9/2009 12:17:53 PM
ValleyBHC$25.00$25.0012/9/2009 12:14:15 PM
Leshan$50.00$50.0012/9/2009 1:16:42 PM
friendinmoney$100.00$100.0012/9/2009 2:56:15 PM
gabrielcharlie$25.00$25.0012/9/2009 2:25:41 PM
exciting-fairness$200.00$200.0012/9/2009 3:35:41 PM
VT2VA$25.00$25.0012/9/2009 3:39:53 PM
nickel-pipeline$33.00$33.0012/9/2009 3:15:34 PM
goodhearted-basis4$25.00$25.0012/9/2009 3:48:00 PM
jcw3rd$25.00$25.0012/9/2009 3:50:41 PM
MattProsper$50.00$50.0012/9/2009 3:52:18 PM
Engineer44$30.00$30.0012/9/2009 3:54:00 PM
55 bids
 
Borrower Payment Dependent Notes Series 436304
This series of Notes was issued and sold upon the funding of the borrower loan #39987, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Dec-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 10.31% Starting borrower rate/APR: 11.31% / 11.66% Starting monthly payment: $197.31
Final lender yield: 8.45% Final borrower rate/APR: 9.45% / 9.79% Final monthly payment: $192.06
 
Auction yield range: 3.20% - 10.31% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 9 First credit line: Mar-1983 Debt/Income ratio: 28%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 20 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 55Length of status:12y 10m
Amount delinquent: $0 Revolving credit balance: $31,421 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: meteoric-dough Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for business consolidation
Purpose of loan:
This loan will be used to? consolidate business credit.

My financial situation:
I am a good candidate for this loan because? I have been a?successful business manager for thirteen years with the same company, monthly payments not an issue.
Have a number of assets,?however cash flow is tight until January, that is the reason for the loan.??Equity loan on our second home not possible due to not having?at least 20% into it.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What goods or services does your company provide? - CIC
A: I am an Assistant Regional Manager for a company that provides long term care and financial services to seniors. (Dec-03-2009)
Q: Please explain the purpose of the loan in more detail. It isn't clear if this is a loan for you personally or for use in your own business. - exciting-fairness
A: My position requires me to invest in my business, for example by running promotions with payoffs of special events, prizes, trips etc. I typically will use my own personal funds, however my cash flow until the end of January will be tight due to the timing of cash disbursements to me. The loan will allow me to consolidate some business credit to free up the cash flow. (Dec-03-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
orbiter614$25.00$25.0012/2/2009 4:19:24 PM
money-prophesy$150.00$150.0012/2/2009 4:38:35 PM
minista$25.00$25.0012/2/2009 4:42:05 PM
the-profit-oracle$25.00$25.0012/2/2009 9:45:54 PM
generous-deal6$50.00$50.0012/2/2009 11:57:08 PM
neenerman$47.45$47.4512/3/2009 6:04:49 AM
loyalty-czar$50.00$50.0012/3/2009 8:23:04 AM
puifais$25.00$25.0012/3/2009 8:42:41 PM
QuinMccoy$25.00$25.0012/4/2009 4:57:32 AM
JeffHoll$100.00$100.0012/4/2009 7:09:13 AM
credit-coach118$25.00$25.0012/4/2009 9:36:00 AM
bold-yield-rumbler$25.00$25.0012/4/2009 12:20:55 PM
cocopuffs$25.00$25.0012/4/2009 2:01:05 PM
BOZO88$25.00$25.0012/4/2009 3:49:40 PM
auction-elvis$25.00$25.0012/5/2009 12:16:01 PM
inqbus$25.00$25.0012/5/2009 4:29:06 PM
the-debt-fluffy-bunny$25.00$25.0012/5/2009 11:17:45 PM
fortytwo$200.00$200.0012/6/2009 4:18:05 AM
esabzb$25.00$25.0012/6/2009 10:27:55 PM
spsavage$25.00$25.0012/7/2009 8:05:47 AM
bomdel$25.00$25.0012/7/2009 6:52:08 AM
Dollars4Rent$25.00$25.0012/7/2009 8:52:06 AM
ijspence$25.00$25.0012/7/2009 10:17:56 AM
Buffer10$200.00$200.0012/7/2009 10:58:10 AM
GABC-1$25.00$25.0012/7/2009 11:31:23 AM
stable-nickel$85.00$85.0012/7/2009 10:57:13 AM
fund-medalist171$25.00$25.0012/7/2009 10:58:43 AM
Pickmar$25.00$25.0012/7/2009 12:47:42 PM
red-favorable-basis$25.00$25.0012/7/2009 1:52:33 PM
icon7$25.00$25.0012/7/2009 2:50:05 PM
thedoctor$80.00$80.0012/7/2009 1:19:36 PM
famous-community8$25.00$25.0012/7/2009 3:22:25 PM
restless-currency$25.00$25.0012/7/2009 3:35:44 PM
mbf2234$25.00$25.0012/7/2009 5:14:17 PM
flwah$25.00$25.0012/7/2009 6:03:12 PM
flshdaskll$25.00$25.0012/7/2009 6:25:08 PM
BankofPaul$50.00$50.0012/7/2009 6:42:35 PM
GyJAV_BNCCo$29.77$29.7712/7/2009 8:31:07 PM
kvandivo$25.00$25.0012/7/2009 11:33:09 PM
Musicman1950$25.00$25.0012/7/2009 11:34:08 PM
Carpetkid$50.00$50.0012/7/2009 11:34:23 PM
SnE$25.00$25.0012/7/2009 11:34:29 PM
tsui517$25.00$25.0012/7/2009 11:35:59 PM
Pasagam$25.00$25.0012/7/2009 11:34:52 PM
Maccs55$25.00$25.0012/7/2009 11:49:34 PM
orbital-gain$50.00$50.0012/7/2009 11:51:49 PM
mla$25.00$25.0012/7/2009 11:52:34 PM
Bank42$50.00$50.0012/7/2009 11:52:51 PM
keke2000$25.00$25.0012/8/2009 12:00:36 AM
first-class-dime$25.00$25.0012/7/2009 11:52:42 PM
stolan$25.00$25.0012/8/2009 6:44:03 AM
wise-balanced-moola$25.00$25.0012/8/2009 9:43:24 AM
kmfreymi$25.00$25.0012/8/2009 8:18:32 AM
rmachi$25.00$25.0012/8/2009 7:53:40 AM
spname$25.00$25.0012/8/2009 9:41:49 AM
brstern2$25.00$25.0012/8/2009 9:41:59 AM
estancias$25.00$25.0012/8/2009 9:52:15 AM
gustavholstopus32$25.00$25.0012/8/2009 10:52:33 AM
agwosdof$100.00$100.0012/8/2009 10:52:39 AM
KiwiElf$30.00$30.0012/8/2009 11:04:10 AM
lowestghost$25.00$21.7812/8/2009 11:18:49 AM
buffalobills$25.00$25.0012/8/2009 11:35:35 AM
GABC-1$25.00$25.0012/8/2009 12:12:59 PM
TakeCare$100.00$100.0012/8/2009 2:31:51 PM
Okeey$25.00$25.0012/8/2009 4:59:19 PM
texrob20$25.00$25.0012/8/2009 5:00:01 PM
wwwUniversal$25.00$25.0012/8/2009 5:10:45 PM
TechnologyGuy$25.00$25.0012/8/2009 6:56:43 PM
iNet_Investor$25.00$25.0012/8/2009 11:27:40 PM
quiggles$25.00$25.0012/9/2009 8:32:50 AM
ultimatepaintball$25.00$25.0012/9/2009 8:43:16 AM
janus_god$35.00$35.0012/9/2009 9:37:04 AM
jetblack$36.35$36.3512/9/2009 10:55:12 AM
Patrician$32.19$32.1912/9/2009 11:10:16 AM
the-bright-velocity$100.00$100.0012/9/2009 11:39:38 AM
prainvestment$50.00$50.0012/9/2009 1:52:46 PM
friendinmoney$100.00$100.0012/9/2009 3:00:53 PM
elegant-bonus$25.00$25.0012/9/2009 3:09:40 PM
wise-blazing-currency$25.00$25.0012/9/2009 2:28:48 PM
Feyenoord$25.00$25.0012/9/2009 3:22:22 PM
wild-orange$25.00$25.0012/9/2009 3:35:12 PM
exciting-fairness$200.00$200.0012/9/2009 3:38:15 PM
PotBellyPete$50.00$50.0012/9/2009 3:39:38 PM
jybank$25.00$25.0012/2/2009 4:41:59 PM
Ven58$25.00$25.0012/2/2009 4:43:36 PM
Kravcorp$25.00$25.0012/2/2009 4:48:41 PM
blot44$25.00$25.0012/2/2009 7:08:01 PM
hellasow$30.00$30.0012/3/2009 4:24:42 PM
sjlender$25.00$25.0012/3/2009 9:47:48 PM
JohnGalt94$25.00$25.0012/3/2009 9:03:03 PM
nhm$50.00$50.0012/3/2009 9:42:46 PM
alpinaut$25.00$25.0012/4/2009 5:39:30 AM
djh47a$40.00$40.0012/4/2009 6:19:09 AM
Marathoner$25.00$25.0012/4/2009 9:36:14 AM
vine99$85.00$85.0012/4/2009 11:17:23 AM
shamrocker$25.00$25.0012/4/2009 12:24:39 PM
Syzygy$25.00$25.0012/4/2009 3:20:11 PM
cash-vault$25.00$25.0012/4/2009 9:46:17 PM
springpanda$25.00$25.0012/5/2009 3:55:06 PM
julijask$25.00$25.0012/5/2009 7:08:08 PM
octoberfresh$25.00$25.0012/6/2009 6:43:45 AM
GOPHERBOY$53.66$53.6612/6/2009 9:59:12 AM
dmitriy2$25.00$25.0012/6/2009 6:39:54 PM
Hondo$25.00$25.0012/6/2009 11:34:33 PM
cdv$25.00$25.0012/6/2009 9:52:49 PM
iruz$35.37$35.3712/7/2009 12:01:25 AM
market-jam$100.00$100.0012/7/2009 12:09:26 AM
IceFisherman$100.00$100.0012/7/2009 10:00:16 AM
MO_Investor$25.00$25.0012/7/2009 11:17:41 AM
chumbawumba$25.00$25.0012/7/2009 11:37:43 AM
fatson43$25.00$25.0012/7/2009 12:13:34 PM
LPSolutions$25.00$25.0012/7/2009 1:36:41 PM
Phantom99$25.00$25.0012/7/2009 12:47:01 PM
StarFundingSource$25.00$25.0012/7/2009 2:40:53 PM
outofoffice$50.00$50.0012/7/2009 3:54:56 PM
five-star-note$25.00$25.0012/7/2009 5:44:50 PM
reinforced-reward$25.00$25.0012/7/2009 11:16:00 PM
visionary-currency$80.60$80.6012/7/2009 11:20:03 PM
HunterSix$25.00$25.0012/7/2009 11:33:52 PM
flopcat$25.00$25.0012/7/2009 11:33:58 PM
bayareainv$50.00$50.0012/7/2009 11:37:13 PM
syounker$25.00$25.0012/7/2009 11:37:34 PM
summerlander$25.00$25.0012/7/2009 11:37:47 PM
Divot$25.00$25.0012/7/2009 11:37:57 PM
don8ter$60.00$60.0012/7/2009 11:33:59 PM
a-special-power$25.00$25.0012/7/2009 11:34:19 PM
CPAMAN$25.00$25.0012/7/2009 11:44:32 PM
PatRichi$25.00$25.0012/7/2009 11:44:35 PM
lean-velocity$25.00$25.0012/7/2009 11:33:42 PM
acropiloterau2002$25.00$25.0012/7/2009 11:49:10 PM
inspired-contract9$50.00$50.0012/7/2009 11:35:40 PM
AndersenWatcher$25.00$25.0012/7/2009 11:37:25 PM
mlopez2007$100.00$100.0012/8/2009 3:47:16 AM
BankOfBjoltus$50.00$50.0012/8/2009 4:42:17 AM
sajitp$25.00$25.0012/8/2009 12:03:46 AM
kanpur63$25.00$25.0012/7/2009 11:52:59 PM
trochees$25.00$25.0012/8/2009 2:27:17 AM
Cai8899$51.88$51.8812/8/2009 1:07:06 AM
buckyhead2000$25.00$25.0012/8/2009 4:54:15 AM
StrongMoney$25.00$25.0012/8/2009 9:42:06 AM
JerryB96$25.00$25.0012/8/2009 5:54:17 AM
bluprntguy$25.00$25.0012/8/2009 10:40:18 AM
18th_beachbum$25.00$25.0012/8/2009 9:44:44 AM
pubnat$25.00$25.0012/8/2009 9:43:03 AM
bazaar-tulip$25.00$25.0012/8/2009 10:54:52 AM
SNH$50.00$50.0012/8/2009 10:55:33 AM
L-vex$25.00$25.0012/8/2009 10:52:10 AM
ClearLake$25.00$25.0012/8/2009 11:15:02 AM
newbietony$40.00$40.0012/8/2009 11:16:51 AM
forthright-dedication$25.00$25.0012/8/2009 11:18:21 AM
Tradesmanlender$25.00$25.0012/8/2009 11:14:52 AM
suburbanman64$40.95$40.9512/8/2009 5:10:42 PM
orange-pound-party$25.00$25.0012/8/2009 9:05:42 PM
ptjg$30.00$30.0012/9/2009 4:35:37 AM
scientists$25.00$25.0012/9/2009 9:49:40 AM
plbquic$25.00$25.0012/9/2009 11:38:24 AM
VBPlayer$30.00$30.0012/9/2009 3:08:32 PM
ImaPutz$25.00$25.0012/9/2009 3:55:50 PM
158 bids
 
Borrower Payment Dependent Notes Series 436352
This series of Notes was issued and sold upon the funding of the borrower loan #39920, 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-02-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 33.28% Starting borrower rate/APR: 34.28% / 37.00% Starting monthly payment: $67.24
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.67% Final monthly payment: $64.50
 
Auction yield range: 11.20% - 33.28% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 8 First credit line: Mar-1993 Debt/Income ratio: 8%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $1,129 Occupation: Other
Public records last 12m / 10y: 1/ 2 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: repayment-monger Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay my credit cards
Purpose of loan:
This loan will be used to?pay my credit cards.

My financial situation:
I am a good candidate for this loan because? I do pay my bills on time.? We? had financial issues a few years ago due to our daughter being ill but since then we have been paying all of our bills on time.? My husband and I both have good jobs and make?decent money.? My husband has been with his employer for 22 years.? I have been with my employer for just over 2 years.? We make approxiamately $100,000 together.? We are responsible, hard working people who are just looking for alittle help.

Monthly net income: $1700-2100 myself and approxiamately $3600 for my husband

Monthly expenses: $
??Housing: $ 875
??Insurance: $ 185
??Car expenses: $?250 for gas, no car payment?
??Utilities: $ 400
??Phone, cable, internet: $?130
??Food, entertainment: $?1000 groceries
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bdruss$25.00$25.0012/2/2009 4:35:43 PM
the-profit-oracle$25.00$25.0012/2/2009 10:15:09 PM
vine99$50.00$50.0012/4/2009 4:25:06 PM
IPG1$25.00$25.0012/7/2009 12:52:07 PM
Eloise62$75.00$75.0012/7/2009 12:26:49 PM
Speculator$25.00$25.0012/7/2009 12:53:19 PM
Unitas4302$75.00$75.0012/7/2009 4:46:56 PM
nickel-mad-scientist$25.00$25.0012/7/2009 6:07:43 PM
cashhelp$25.00$25.0012/7/2009 11:18:55 PM
Ven58$25.00$25.0012/7/2009 11:38:31 PM
reflective-rupee$25.00$25.0012/7/2009 11:50:38 PM
wise-balanced-moola$25.00$25.0012/8/2009 9:43:26 AM
icon7$25.00$25.0012/8/2009 4:15:13 PM
Techne_Funds_LLC$25.00$25.0012/8/2009 4:23:42 PM
smart-gain$25.00$25.0012/8/2009 5:08:43 PM
farmn$25.00$25.0012/8/2009 5:36:14 PM
nala2821$25.00$25.0012/8/2009 5:54:11 PM
peregrine$25.00$25.0012/8/2009 9:26:41 PM
himistu22$25.00$25.0012/8/2009 8:47:46 PM
jybank$25.00$25.0012/9/2009 9:18:45 AM
Happy-Man$25.00$25.0012/9/2009 9:42:34 AM
friendinmoney$50.00$50.0012/9/2009 3:03:41 PM
just-trade0$36.00$36.0012/9/2009 2:55:08 PM
Feyenoord$25.00$25.0012/9/2009 3:33:17 PM
zztopdog$25.00$25.0012/9/2009 3:52:39 PM
five-star-note$25.00$25.0012/2/2009 4:52:36 PM
professional-finance$25.00$25.0012/3/2009 2:28:30 PM
SolarMoonshine$50.00$50.0012/4/2009 7:52:07 PM
penny-surgeon$25.00$25.0012/7/2009 11:38:27 PM
DonDiego$25.00$25.0012/8/2009 3:34:43 AM
Streamfeeder$50.00$50.0012/8/2009 11:36:55 AM
realtormoises$25.00$25.0012/8/2009 4:43:51 PM
yerkster1$30.86$30.8612/8/2009 6:22:10 PM
pietro_torna_indietro$25.00$25.0012/8/2009 8:49:50 PM
Get56$25.00$25.0012/9/2009 4:01:19 AM
fatboy888$25.00$25.0012/9/2009 6:24:49 AM
dante168$25.00$25.0012/9/2009 6:14:51 AM
leverage-monger$25.00$25.0012/9/2009 6:56:06 AM
TakeCare$25.00$25.0012/9/2009 9:29:32 AM
Leshan$50.00$50.0012/9/2009 1:20:12 PM
Bob450$50.00$50.0012/9/2009 2:25:27 PM
kinetic-social$25.00$25.0012/9/2009 3:53:12 PM
worldly-gold$100.00$100.0012/9/2009 3:56:01 PM
worldly-gold$50.00$50.0012/9/2009 3:56:31 PM
Calif-smo$61.00$33.1412/9/2009 3:42:36 PM
45 bids
 
Borrower Payment Dependent Notes Series 436716
This series of Notes was issued and sold upon the funding of the borrower loan #39961, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-04-2009 
  Auction end date:  Dec-09-2009 
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $323.50
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $307.80
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1983 Debt/Income ratio: 12%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 12 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $38,805 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: dinero-vibrato Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit card
Purpose of loan:
This loan will be used to pay down higher interest credit card debt.

My financial situation:
I am a good candidate for this loan because I have a very good income and am gradually reducing my debt.? I'd like to accelerate the process and give myself a little breathing room.? I have not been late on any payments and always pay more than the minimum amount due.?? I want to pay off some high interest debt with a large monthly payment, and use that payment to accelerate paying off the next one, etc.

Monthly net income: $ 13,470

Monthly expenses: $
??Housing: $ 2988
??Insurance: $ 600
??Car expenses: $ 593
??Utilities: $ 200
??Phone, cable, internet: $ 220
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 1400
??Other expenses: $ 2300
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)
yeti888$25.00$25.0012/4/2009 5:07:40 PM
Supernick$25.00$25.0012/4/2009 5:35:14 PM
penny-surgeon$25.00$25.0012/4/2009 5:34:34 PM
sharkm$25.00$25.0012/4/2009 5:36:19 PM
treasure-bliss$100.00$100.0012/4/2009 5:36:58 PM
MylesNH$25.00$25.0012/4/2009 5:37:05 PM
capital-amplifier$25.00$25.0012/4/2009 5:38:38 PM
supreme-hope$25.00$25.0012/4/2009 5:39:47 PM
elegant-bonus$25.00$25.0012/4/2009 5:42:32 PM
djh47a$25.00$25.0012/4/2009 5:57:14 PM
coin-investor$25.00$25.0012/4/2009 5:42:22 PM
mclilpaws$50.00$50.0012/4/2009 6:47:09 PM
DER$50.00$50.0012/4/2009 7:18:04 PM
Kreditorium$99.09$99.0912/4/2009 8:32:09 PM
alex189a$25.00$25.0012/4/2009 9:42:44 PM
czar3$25.00$25.0012/5/2009 8:17:25 AM
divrekku$25.00$25.0012/5/2009 8:47:35 AM
rmachi$25.00$25.0012/5/2009 8:48:48 AM
WilliamLeeSims$25.00$25.0012/5/2009 8:47:10 AM
halothane_logic$25.00$25.0012/5/2009 8:47:33 AM
Tammy102800$25.00$25.0012/5/2009 8:47:46 AM
Nickle-And-Dime$25.00$25.0012/5/2009 11:32:12 AM
ramsbladder$25.00$25.0012/5/2009 12:58:14 PM
portfolio-zone801$25.00$25.0012/5/2009 1:08:11 PM
justice-dna$25.00$25.0012/5/2009 4:58:53 PM
able2help$25.00$25.0012/5/2009 5:08:45 PM
the-silver-blaster$75.00$75.0012/6/2009 11:15:07 AM
wrighco$25.00$25.0012/6/2009 12:28:13 PM
favorite-durability$25.00$25.0012/6/2009 6:30:59 PM
cashtolendyou$25.00$25.0012/6/2009 6:48:04 PM
spsavage$25.00$25.0012/6/2009 4:05:48 PM
money-prophesy$37.13$37.1312/6/2009 9:44:00 PM
BW45$25.00$25.0012/6/2009 7:07:03 PM
Hondo$25.00$25.0012/6/2009 11:33:32 PM
hptcrabbers$25.00$25.0012/6/2009 9:12:20 PM
top-impressive-dinero$25.00$25.0012/6/2009 10:56:07 PM
andrewnar$25.00$25.0012/7/2009 5:34:32 AM
RebuildALife$25.00$25.0012/7/2009 6:54:07 AM
gaileyb$25.00$25.0012/7/2009 8:06:11 AM
reflective-rupee$100.00$100.0012/7/2009 9:55:32 AM
noble-revenue$50.00$50.0012/7/2009 10:38:17 AM
cocobear$25.00$25.0012/7/2009 10:17:30 AM
fund-medalist171$25.00$25.0012/7/2009 10:58:22 AM
SC98007$25.00$25.0012/7/2009 1:23:28 PM
order-prospector$25.00$25.0012/7/2009 3:06:53 PM
yield-lion$25.00$25.0012/7/2009 3:55:02 PM
Phantom99$25.00$25.0012/7/2009 4:12:13 PM
beezling$52.00$52.0012/7/2009 11:18:06 PM
wise-extraordinary-loot$25.00$25.0012/7/2009 11:21:59 PM
WalnutCreekguy$25.00$25.0012/7/2009 11:22:03 PM
JeffHoll$100.00$100.0012/7/2009 11:22:27 PM
KiwiElf$25.00$25.0012/7/2009 11:22:39 PM
icecoldcash$25.00$25.0012/7/2009 11:22:48 PM
cognizant-wealth$25.00$25.0012/7/2009 11:23:33 PM
steves73$25.00$25.0012/7/2009 11:23:52 PM
astute-dollar$25.00$25.0012/7/2009 11:21:21 PM
puppy880$25.00$25.0012/7/2009 11:21:23 PM
elegant-income3$25.00$25.0012/7/2009 11:24:12 PM
zone8$100.00$100.0012/7/2009 11:21:39 PM
p123$25.00$25.0012/7/2009 11:21:42 PM
personal-lender$25.00$25.0012/7/2009 11:22:07 PM
dinero-mason$50.00$50.0012/7/2009 11:25:06 PM
Buffer10$100.00$100.0012/7/2009 11:22:13 PM
loanfairy$25.00$25.0012/7/2009 11:17:54 PM
hard-working-loot$25.00$25.0012/7/2009 11:18:04 PM
Turtlebear44$25.00$25.0012/7/2009 11:25:21 PM
a-special-power$25.00$25.0012/7/2009 11:22:36 PM
gizzywump$25.00$25.0012/7/2009 11:25:37 PM
Astounding$25.00$25.0012/7/2009 11:22:44 PM
rob1971$25.00$25.0012/7/2009 11:25:48 PM
GElender$25.00$25.0012/7/2009 11:25:56 PM
brother_tam$50.00$50.0012/7/2009 11:22:57 PM
Fuzkaska__F_u_n_d_s$25.00$25.0012/7/2009 11:23:17 PM
sunshinysmiles$25.00$25.0012/7/2009 11:23:21 PM
wise-cash-keeper$35.00$35.0012/7/2009 11:23:37 PM
murlirao2002$25.00$25.0012/7/2009 11:23:41 PM
Dubbs360$50.00$50.0012/7/2009 11:24:00 PM
steady-payout6$25.00$25.0012/7/2009 11:24:14 PM
cbz$25.00$25.0012/7/2009 11:24:17 PM
teller$25.00$25.0012/7/2009 11:21:30 PM
elevated-platinum5$25.00$25.0012/7/2009 11:24:23 PM
accordion8$25.00$25.0012/7/2009 11:21:34 PM
benevolent-bonus$25.00$25.0012/7/2009 11:21:36 PM
GatorBux$25.00$25.0012/7/2009 11:21:45 PM
saffron4$25.00$25.0012/7/2009 11:21:51 PM
SPB$25.00$25.0012/7/2009 11:21:54 PM
AF_Trust$25.00$25.0012/7/2009 11:24:39 PM
value-pole$25.00$25.0012/7/2009 11:22:02 PM
natecam$25.00$25.0012/7/2009 11:24:50 PM
EnigmaNYC-29$25.00$25.0012/7/2009 11:22:08 PM
melodious-fairness$25.00$25.0012/7/2009 11:22:11 PM
thestartuplender$35.00$35.0012/7/2009 11:24:58 PM
powerplant6$25.00$25.0012/7/2009 11:22:14 PM
worklessmakemore$25.00$25.0012/7/2009 11:22:17 PM
first-restless-payout$25.00$25.0012/7/2009 11:22:20 PM
heroic-benefit$50.00$50.0012/7/2009 11:25:11 PM
SDNLR$25.00$25.0012/7/2009 11:22:42 PM
spitzbergen$25.00$25.0012/7/2009 11:25:25 PM
Lam0nt$25.00$25.0012/7/2009 11:22:55 PM
open-minded-finance1$25.00$25.0012/7/2009 11:23:10 PM
jldallover$25.00$25.0012/7/2009 11:23:14 PM
Peterman$25.00$25.0012/7/2009 11:23:28 PM
louisianalender$100.00$83.6012/7/2009 11:26:04 PM
tsquared_030$25.00$25.0012/7/2009 11:23:39 PM
Speculator$25.00$25.0012/7/2009 11:23:44 PM
tallmon$25.00$25.0012/7/2009 11:25:14 PM
CarDealer3070$30.00$30.0012/7/2009 11:25:31 PM
miked8303$25.00$25.0012/7/2009 11:25:35 PM
truth-eclair$25.00$25.0012/7/2009 11:25:46 PM
reflective-rupee$50.00$50.0012/8/2009 5:55:25 AM
reflective-rupee$50.00$50.0012/8/2009 6:02:09 AM
wise-balanced-moola$25.00$25.0012/8/2009 11:20:38 AM
Bob450$25.00$25.0012/8/2009 12:23:01 PM
LarryNY$25.00$25.0012/8/2009 5:08:07 PM
loss-of-control$25.00$25.0012/8/2009 6:59:17 PM
the-profit-oracle$25.00$25.0012/8/2009 10:23:08 PM
unger$100.00$100.0012/9/2009 5:48:33 AM
3am-preacher$25.00$25.0012/4/2009 5:10:48 PM
puifais$25.00$25.0012/4/2009 5:34:59 PM
asiaratt$100.00$100.0012/4/2009 5:34:39 PM
Artist_Blue$25.00$25.0012/4/2009 5:38:27 PM
AF-Chief$28.00$28.0012/4/2009 5:39:54 PM
jhouman$25.00$25.0012/4/2009 5:40:09 PM
burgeoning-silver$25.00$25.0012/4/2009 5:42:12 PM
AlexTrep$25.00$25.0012/4/2009 5:42:24 PM
towering-platinum3$25.00$25.0012/4/2009 5:42:20 PM
five-star-note$25.00$25.0012/4/2009 7:22:40 PM
a-resplendent-commitment$25.00$25.0012/4/2009 5:57:13 PM
SolarMoonshine$300.00$300.0012/4/2009 8:35:05 PM
glimmering-point$25.00$25.0012/4/2009 9:27:33 PM
loan-scientist8$25.00$25.0012/5/2009 3:46:59 AM
direct-yield$25.00$25.0012/5/2009 8:40:10 AM
HarryRoberts$50.00$50.0012/5/2009 8:47:13 AM
red-favorable-basis$25.00$25.0012/5/2009 8:48:43 AM
building_community$25.00$25.0012/5/2009 8:47:37 AM
charming-point$200.00$200.0012/5/2009 11:32:19 AM
srfb973$25.00$25.0012/5/2009 11:39:50 AM
Vess$25.00$25.0012/5/2009 12:57:17 PM
Frankk2$25.00$25.0012/5/2009 2:53:00 PM
efficient-principal$25.00$25.0012/5/2009 2:58:18 PM
fortytwo$50.00$50.0012/6/2009 4:12:18 AM
GOPHERBOY$25.00$25.0012/6/2009 7:12:13 AM
ahalyaa$25.00$25.0012/6/2009 1:22:46 PM
profit-commander$36.85$36.8512/6/2009 11:53:19 AM
visionary-currency$50.00$50.0012/6/2009 6:13:46 PM
scho0590$25.00$25.0012/6/2009 2:30:34 PM
MAYBROOK$50.00$50.0012/6/2009 6:48:02 PM
helping-out$25.00$25.0012/6/2009 9:58:47 PM
flwah$25.00$25.0012/7/2009 1:38:45 AM
meers2000$25.00$25.0012/6/2009 11:57:46 PM
SouthernGuy$31.77$31.7712/7/2009 5:37:46 AM
cjames84$25.00$25.0012/7/2009 9:25:10 AM
doublediamond$25.00$25.0012/7/2009 10:02:17 AM
interest-coyote$40.00$40.0012/7/2009 2:52:29 PM
vivacious-p2p3$25.00$25.0012/7/2009 6:14:52 PM
Mantis75$25.00$25.0012/7/2009 11:16:48 PM
kginatl$25.00$25.0012/7/2009 11:17:50 PM
forthright-dedication$25.00$25.0012/7/2009 8:31:18 PM
desertoasis$25.00$25.0012/7/2009 11:17:58 PM
witty-principal$25.00$25.0012/7/2009 11:21:25 PM
VBAces$25.00$25.0012/7/2009 11:22:00 PM
Andaliego$25.02$25.0212/7/2009 11:22:22 PM
slartibardfast$25.00$25.0012/7/2009 11:23:32 PM
payout-point$25.00$25.0012/7/2009 11:21:22 PM
ryan23$25.00$25.0012/7/2009 11:23:57 PM
summerlander$25.00$25.0012/7/2009 11:21:27 PM
NR$25.00$25.0012/7/2009 11:21:32 PM
dparkhom$25.00$25.0012/7/2009 11:21:38 PM
impeccable-transparency$50.00$50.0012/7/2009 11:24:20 PM
mickeyroi$25.00$25.0012/7/2009 11:21:40 PM
KevinC_63366$25.00$25.0012/7/2009 11:24:26 PM
CASHGIRL$25.00$25.0012/7/2009 11:21:43 PM
YogaDude34$25.00$25.0012/7/2009 11:22:05 PM
oldmora$25.00$25.0012/7/2009 11:22:24 PM
sloan$25.00$25.0012/7/2009 11:25:43 PM
secobarbital$25.00$25.0012/7/2009 11:25:59 PM
anton$25.00$25.0012/7/2009 11:23:03 PM
newbietony$25.00$25.0012/7/2009 11:23:23 PM
Vreet$25.00$25.0012/7/2009 11:23:47 PM
PatRichi$25.00$25.0012/7/2009 11:21:29 PM
money-explorer3$25.00$25.0012/7/2009 11:21:31 PM
pleasant-nickel0$25.00$25.0012/7/2009 11:21:35 PM
cash-boots$25.00$25.0012/7/2009 11:24:35 PM
ChrisTJ$25.00$25.0012/7/2009 11:21:53 PM
Kaj$25.00$25.0012/7/2009 11:24:37 PM
leodaguy$25.00$25.0012/7/2009 11:21:57 PM
bnlforever$25.00$25.0012/7/2009 11:24:52 PM
orange-courageous-dedication$30.00$30.0012/7/2009 11:22:10 PM
WHEREISTHEMOON$25.00$25.0012/7/2009 11:22:15 PM
Diamond_Jim$25.00$25.0012/7/2009 11:25:01 PM
Dap2005$25.00$25.0012/7/2009 11:22:18 PM
lloyd_s$25.00$25.0012/7/2009 11:25:03 PM
terminus$25.00$25.0012/7/2009 11:22:30 PM
sentimental-euro$25.00$25.0012/7/2009 11:22:31 PM
GotoMoney$50.00$50.0012/7/2009 11:22:35 PM
honorable-yield$35.00$35.0012/7/2009 11:25:28 PM
blooming-dedication$50.00$50.0012/7/2009 11:22:51 PM
affluence-tycoon$25.00$25.0012/7/2009 11:25:39 PM
HunterSix$25.00$25.0012/7/2009 11:23:16 PM
crenen139$25.00$25.0012/7/2009 11:23:50 PM
Zolton$200.00$200.0012/7/2009 11:24:06 PM
euro-mirth$25.00$25.0012/7/2009 11:24:29 PM
orange-preeminant-bill$100.00$100.0012/7/2009 11:24:32 PM
purdue98$25.00$25.0012/7/2009 11:24:49 PM
MissionMicroFinance$25.00$25.0012/7/2009 11:24:53 PM
dedicated-diversification5$150.00$150.0012/7/2009 11:25:18 PM
cashhelp$25.00$25.0012/7/2009 11:46:16 PM
Helenska11$50.00$50.0012/8/2009 4:28:53 PM
silverloan$26.54$26.5412/9/2009 8:02:33 AM
371millwood$200.00$200.0012/9/2009 8:46:39 AM
210 bids
 
Borrower Payment Dependent Notes Series 437550
This series of Notes was issued and sold upon the funding of the borrower loan #39905, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Dec-09-2009 
  Auction end date:  Dec-12-2009 
 
Starting lender yield: 28.06% Starting borrower rate/APR: 29.06% / 31.42% Starting monthly payment: $104.85
Final lender yield: 27.56% Final borrower rate/APR: 28.56% / 30.92% Final monthly payment: $104.17
 
Auction yield range: 11.20% - 28.06% Estimated loss impact: 10.69%  
Lender servicing fee: 1.00% Estimated return: 16.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score: 7 First credit line: May-1994 Debt/Income ratio: 26%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $3,485 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Horsegirl75 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
640-659 (Mar-2008)
 
Principal balance: $455.20 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Need hay to feed the horses
Purpose of loan:
I plan to use this loan to buy a large load of hay to feed my horses for the winter.? I've been buying in small quanities with each of my paychecks but it would save me so much time and be easier if?I could just fill up the loft.
My financial situation:
I am a good candidate for this loan because I always repay my debts especially when it comes to my horses.? ?I already pay at least 90 a week when I buy my hay now.? So making my payment wouldn't be difficult.?

Monthly net income: $ 4600.00

Monthly expenses: $
??Housing: $ 800.00
??Insurance: $ 250.00
??Car expenses: $
??Utilities: $?250.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 1600.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$50.00$50.0012/9/2009 4:23:02 PM
loyalist1$25.00$25.0012/9/2009 4:28:57 PM
reflective-rupee$25.00$25.0012/9/2009 4:55:37 PM
reflective-rupee$25.00$25.0012/9/2009 4:56:01 PM
heroic-benefit$107.20$88.6112/10/2009 7:43:04 AM
felicity-daydream$50.00$50.0012/10/2009 7:13:14 AM
brondero$250.00$250.0012/10/2009 2:22:28 PM
USFoundation$25.00$25.0012/10/2009 7:58:29 PM
Bob450$25.00$25.0012/10/2009 8:44:57 PM
economy-synapse$25.00$25.0012/10/2009 9:25:17 PM
impartial-deal$25.00$25.0012/11/2009 1:36:32 PM
Aberdeen$300.00$300.0012/11/2009 12:15:55 PM
mt3209$25.00$25.0012/11/2009 12:39:44 PM
adventure0$131.44$131.4412/11/2009 8:12:58 PM
reflective-rupee$100.00$100.0012/11/2009 8:30:28 PM
marwadi-62$100.00$100.0012/11/2009 6:17:17 PM
helping-out$25.00$25.0012/11/2009 6:15:28 PM
reflective-rupee$100.00$100.0012/11/2009 8:30:13 PM
reflective-rupee$25.00$25.0012/9/2009 4:56:14 PM
hellasow$30.00$30.0012/9/2009 5:35:56 PM
reflective-rupee$25.00$25.0012/9/2009 4:55:23 PM
reflective-rupee$25.00$25.0012/9/2009 4:56:26 PM
SolarMoonshine$50.00$50.0012/9/2009 6:04:17 PM
wise-balanced-moola$25.00$25.0012/9/2009 7:32:20 PM
wealth-pipeline$25.00$25.0012/9/2009 8:41:42 PM
Bob450$25.00$25.0012/9/2009 8:45:33 PM
nilonc1$309.95$309.9512/10/2009 6:05:49 PM
well-mannered-income3$40.00$40.0012/10/2009 7:03:47 PM
zento$25.00$25.0012/10/2009 9:10:26 PM
WMY-Investor$250.00$250.0012/11/2009 2:48:27 PM
reflective-rupee$100.00$100.0012/11/2009 8:30:54 PM
EngineersAlliance$75.00$75.0012/11/2009 8:33:43 PM
CA_Lender$25.00$25.0012/11/2009 9:44:32 PM
bondhedger$25.00$25.0012/12/2009 12:01:58 AM
wwwUniversal$25.00$25.0012/11/2009 8:33:44 PM
35 bids