Sales Report:Supplement No. 113 dated Jan 08, 2010 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 439612
This series of Notes was issued and sold upon the funding of the borrower loan #40340, 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-23-2009 
  Auction end date:  Dec-30-2009 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $102.60
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $101.26
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Nov-1994 Debt/Income ratio: 21%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:23y 4m
Amount delinquent: $0 Revolving credit balance: $33,493 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: methodical-openness8 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
helping son with motor
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: Your credit report shows a revolving credit balance debt of $33,493. Could you please explain how you accumulated this debt? How would this new loan affect your debt repayment? Please answer publicly. Thanks and good luck with the funding! - zento
A: buillt an ew house waiting on closing also 13,000. i have a timeshare with bluegreen. (Dec-26-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
towering-compassion$25.00$25.0012/23/2009 9:45:00 AM
loanfairy$25.00$25.0012/23/2009 9:45:15 AM
lagnisiruk$25.00$25.0012/23/2009 9:45:25 AM
red-favorable-basis$25.00$25.0012/23/2009 9:45:27 AM
scottr$25.00$25.0012/23/2009 9:45:07 AM
delivery$25.00$25.0012/23/2009 9:45:19 AM
runner262$25.00$25.0012/23/2009 9:45:38 AM
Phantom99$25.00$25.0012/23/2009 9:45:44 AM
melodious-fairness$25.00$25.0012/23/2009 9:54:28 AM
spruce2$25.00$25.0012/23/2009 9:45:03 AM
TennSquire$25.00$25.0012/23/2009 9:45:22 AM
ChrisTJ$25.00$25.0012/23/2009 9:45:31 AM
JeffHoll$40.00$40.0012/23/2009 9:45:41 AM
Dubbs360$100.00$48.4212/23/2009 9:45:45 AM
wwwUniversal$25.00$25.0012/23/2009 12:50:12 PM
GeoLender$25.00$25.0012/23/2009 6:17:51 PM
Bob450$25.00$25.0012/26/2009 8:58:12 AM
loss-of-control$25.00$25.0012/27/2009 3:37:08 PM
seineil$25.00$25.0012/27/2009 10:10:23 PM
CK1$25.00$25.0012/28/2009 12:21:08 PM
4mydaughterseducation$25.00$25.0012/28/2009 2:02:11 PM
buffalobills$25.00$25.0012/28/2009 3:48:01 PM
Techne_Funds_LLC$25.00$25.0012/28/2009 4:38:06 PM
People-for-people$40.00$40.0012/28/2009 6:39:16 PM
mottuman$25.00$25.0012/28/2009 6:51:23 PM
CatbirdBanking$25.00$25.0012/28/2009 7:21:44 PM
unger$60.00$60.0012/29/2009 5:26:36 AM
freedom3$155.78$155.7812/29/2009 10:31:22 AM
dudebrah$26.00$26.0012/29/2009 1:23:46 PM
the-profit-oracle$25.00$25.0012/29/2009 4:45:48 PM
FASTIZIO_P$33.33$33.3312/29/2009 5:24:28 PM
red-ready-principal$100.00$100.0012/29/2009 7:29:25 PM
Decent$70.00$70.0012/30/2009 5:53:43 AM
Capit0l$25.00$25.0012/30/2009 6:51:02 AM
lend42013$30.00$30.0012/30/2009 6:25:59 AM
dime-fighter$37.50$37.5012/30/2009 6:39:35 AM
Feyenoord$25.00$25.0012/30/2009 9:01:53 AM
The-CAPS-fan$25.00$25.0012/30/2009 8:55:28 AM
spectacle979$25.00$25.0012/30/2009 9:42:40 AM
EL_Papin$25.00$25.0012/30/2009 9:42:02 AM
invisible_hand$48.11$48.1112/23/2009 9:45:10 AM
rdecartus$25.00$25.0012/23/2009 9:45:16 AM
order-prospector$25.00$25.0012/23/2009 9:45:26 AM
Dap2005$25.00$25.0012/23/2009 9:45:33 AM
moola-phase$50.00$50.0012/23/2009 9:45:14 AM
SNH$50.00$50.0012/23/2009 9:45:35 AM
Wowzer$25.00$25.0012/23/2009 9:45:39 AM
helping-out$25.00$25.0012/23/2009 9:45:12 AM
GatorBux$25.00$25.0012/23/2009 9:45:29 AM
supreme-hope$25.00$25.0012/23/2009 9:45:36 AM
gold-auctioneer7$25.00$25.0012/23/2009 9:45:43 AM
czar3$40.00$40.0012/23/2009 10:04:18 AM
Ven58$25.00$25.0012/23/2009 10:11:58 AM
UCLA4life$25.00$25.0012/23/2009 11:28:52 PM
d_grbg$25.00$25.0012/23/2009 6:36:38 PM
JustMee$25.00$25.0012/24/2009 5:42:17 AM
Peterman$77.16$77.1612/28/2009 8:49:35 AM
mercuriant$25.00$25.0012/28/2009 11:14:37 AM
wise-silver-wonder$25.00$25.0012/28/2009 7:57:52 PM
freedom3$213.55$213.5512/28/2009 8:13:07 PM
wizard750$32.58$32.5812/29/2009 7:23:03 AM
letsbank$25.00$25.0012/29/2009 9:39:14 AM
piter-to-la-investment$25.00$25.0012/29/2009 8:11:00 PM
mistrmark$50.00$50.0012/29/2009 10:33:01 PM
coin-investor$25.00$25.0012/29/2009 11:38:49 PM
quest0$25.00$25.0012/30/2009 8:24:35 AM
DasMula$50.00$50.0012/30/2009 8:43:59 AM
Leshan$44.57$44.5712/30/2009 9:17:01 AM
dollar-force1$28.00$28.0012/30/2009 9:15:36 AM
69 bids
 
Borrower Payment Dependent Notes Series 439618
This series of Notes was issued and sold upon the funding of the borrower loan #40320, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Dec-23-2009 
  Auction end date:  Dec-30-2009 
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $76.22
Final lender yield: 5.15% Final borrower rate/APR: 6.15% / 6.49% Final monthly payment: $76.22
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.55%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Aug-2004 Debt/Income ratio: 2%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 3Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: asset-control2 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
Investing for Education
A little about me:
Hi everybody, thank you for considering this loan. I just graduated from USC (Fight ON!) with a Master's degree in Aerospace Engineering. I want to borrow some money to further my education.

PS I posted the picture of me on the Brooklyn bridge because I went to NY for spring break and enjoyed the trip.

Purpose of loan:
I want to borrow money to further my education and to develope my credit by borrowing.

My financial situation:
I currently work at an Aerospace company with monthly income of more than $3,000. I'm currently saving $600/month for a house, and I'm willing to dip into this to pay this loan on-time every month.?I'm very good with my credit. I have 2 credit cards and have had only 2 late payments in the past 5 years. As you can see, I have a very good credit score along with no current debt.

Thank you for considering this listing and helping me out. If you're looking to invest a small amount of money to lock in a nice return, please be my lender. I won't disappoint. Remember that I'm also trying to improve my credit here, so I will absolutely pay on-time. Also, monthly payments will be automatically deducted from my bank account.

Please send me any questions you have.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How much do you have in savings so far? What are your plans for furthering your education? Thanks. - spectacle979
A: Hi, Presently saving $600/month with $4,500 from a few research projects stowed away. I would like to continue contributing to this "house" fund regularly, but will use this to make payments if needed. Since I have saved more than the principal of this loan, there is very little risk of default from me. This loan will be mainly used for me to learn how to invest. If you have anymore questions, feel free to ask. Thanks! (Dec-25-2009)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Zipperdu$50.00$50.0012/23/2009 2:42:20 PM
tsmonaghan$30.13$30.1312/24/2009 6:40:20 AM
billnsc$25.00$25.0012/24/2009 7:27:09 AM
springpanda$75.00$75.0012/25/2009 12:52:34 AM
agreement-pie$50.00$50.0012/26/2009 12:34:50 PM
cello1$25.00$25.0012/27/2009 8:03:58 PM
forte747$25.00$25.0012/27/2009 8:30:41 PM
hellasow$25.00$25.0012/28/2009 6:55:19 AM
kegs$250.00$250.0012/28/2009 11:16:25 AM
cognizant-rate732$100.00$100.0012/28/2009 12:02:15 PM
well-rounded-diversification$50.00$50.0012/28/2009 1:04:25 PM
brightest-durability-chomper$25.00$25.0012/28/2009 1:11:24 PM
goodcents$25.00$25.0012/28/2009 6:49:15 PM
eg192$25.00$25.0012/28/2009 9:33:53 PM
leonimish$40.09$40.0912/29/2009 7:45:42 AM
gemoscar$50.00$50.0012/29/2009 11:24:22 AM
favorite-dollar$35.00$35.0012/29/2009 3:44:08 PM
Zachilles$29.00$29.0012/29/2009 3:53:01 PM
Good_Karma_Cafe$25.00$25.0012/29/2009 4:29:40 PM
jybank$50.00$50.0012/29/2009 8:01:10 PM
maj0508$100.00$100.0012/30/2009 2:30:37 AM
circustab$50.00$50.0012/30/2009 7:27:31 AM
Bank_of_E-Ville$50.00$50.0012/30/2009 8:46:35 AM
anton$600.00$490.7812/30/2009 9:30:13 AM
don'twannadance$50.00$50.0012/24/2009 7:08:23 AM
peb44$25.00$25.0012/24/2009 9:31:30 AM
methodical-loot$25.00$25.0012/24/2009 3:44:33 PM
Dap2005$25.00$25.0012/25/2009 6:26:03 PM
Steveoo1$50.00$50.0012/25/2009 8:15:12 PM
MO_Investor$25.00$25.0012/27/2009 4:05:02 PM
16888$50.00$50.0012/29/2009 4:46:39 AM
wealth-circuit$25.00$25.0012/29/2009 11:07:57 AM
larrybird$150.00$150.0012/29/2009 3:15:13 PM
bowdish1$50.00$50.0012/29/2009 6:48:48 PM
MoneyForNothing$25.00$25.0012/29/2009 8:11:06 PM
gsd$25.00$25.0012/29/2009 10:31:34 PM
nocal_lender$25.00$25.0012/30/2009 6:39:12 AM
cimbaman$100.00$100.0012/30/2009 5:22:10 AM
mikeandcat$50.00$50.0012/30/2009 5:30:01 AM
RandyL3$25.00$25.0012/30/2009 7:46:24 AM
socal-lender$25.00$25.0012/30/2009 9:41:28 AM
StocksMan$50.00$50.0012/30/2009 9:44:01 AM
42 bids
 
Borrower Payment Dependent Notes Series 439878
This series of Notes was issued and sold upon the funding of the borrower loan #40346, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-28-2009 
  Auction end date:  Jan-04-2010 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $69.33
Final lender yield: 9.12% Final borrower rate/APR: 10.12% / 12.23% Final monthly payment: $64.65
 
Auction yield range: 4.20% - 14.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-2008 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 2Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $421 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: exponential-interest 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
Senior Year -- Student Loan
Purpose of loan:
This loan will be used to cover the cost of tuition and books in excess of my scholarships for my final semester of college.? I'm a business student with a 3.7 GPA, who fully understands the implications and responsibilities of credit.

My financial situation:
I am a good candidate for this loan because, for my age, I have a good credit history.? According to CreditKarma.com, my credit score is 715.? Also, I have $5,000 invested in a brokerage account to back up this loan should my income be insufficient, which is highly unlikely. Remember, by June I'll have a Bachelor's Degree and will be working full-time.? I'm responsible, I'm timely, and I'd like to build up my credit history before graduation.

As a plus, I live in a house with four others, so my rent and utilities are terribly cheap--I'll have plenty of income free.
Thank you for your consideration, and if you have ANY questions, please let don't hesitate to ask.
Monthly net income:?????$ 1,100

Monthly disposable income:? $420

Monthly expenses:??????? $ 680
Housing (rent):?$250
Auto loans:? vehicle is fully-owned
Credit cards, loans:? $ 50/mo MAX
Insurance (auto):????? $ 85/mo, spotless record
Car expenses (gas, etc): $ 80/mo
Utilities:???????????????????????? $ 65/mo
Phone, cable, internet:??? (included in 'Utilities')
Food, household expenses: $ 150/mo
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why not use the $5000 to pay for tuition? Your Prosper loan is likely to cost over 10 percent. Do you have zero-risk investments in your brokerage account that pay 10 percent, plus enough to cover fees and capital gains? - SnE
A: VERY smart question to ask. It seemed obvious to sell my stocks at first, but it?s actually a bit more expensive. If I were to sell off stock, commissions on stocks and options would run about 5.0% total. The BIG thing, however, is that I'd have to pay short-term gains tax (30%+) on my gains. If I hold on for a few more months, they?ll be long-term gains which, with my income, are essentially tax free. Thank you, and if you have any other questions, please don?t hesitate to ask. (Dec-29-2009)
Q: Did you consider using the lower interest student loans? Thanks, - mbf2234
A: Federal Direct loans from my school would not be disbursed until late January. Rent and several other expenses are due before then. It's a matter of timing to avoid a potential liquidity crunch as much as anything. (Dec-31-2009)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
USNavyVet$25.00$25.0012/29/2009 2:06:27 PM
microlendblvr$100.00$100.0012/30/2009 7:51:34 AM
truth-candy$25.00$25.0012/30/2009 2:58:22 PM
seineil$25.00$25.0012/31/2009 1:28:19 AM
jojnax$30.00$30.0012/31/2009 5:09:52 AM
marwadi-62$50.00$50.0012/31/2009 10:09:10 AM
tomjac2000$25.00$25.001/1/2010 9:50:28 AM
rockhound84$50.00$50.001/1/2010 6:53:47 AM
b1geasy$25.00$25.001/2/2010 5:12:57 AM
gjm6d$28.78$28.781/2/2010 7:00:12 AM
leverage-monger$50.00$50.001/1/2010 9:16:48 PM
bank-examiner$25.00$25.001/2/2010 4:32:03 PM
socal-lender$25.00$25.001/2/2010 7:05:59 PM
Astyanax$25.00$25.001/2/2010 9:38:16 PM
plbquic$25.00$25.001/2/2010 2:30:41 PM
Astyanax$25.00$25.001/2/2010 9:38:45 PM
Bodyboard$25.00$25.001/2/2010 10:21:12 PM
theloanteacher$30.00$30.001/3/2010 1:43:30 PM
packrs1$25.00$25.001/3/2010 11:27:51 AM
mbf2234$25.00$25.001/3/2010 8:06:01 PM
justin323$25.00$25.001/3/2010 6:31:43 PM
kelador$50.00$50.001/3/2010 10:11:29 PM
meteoric-peso$25.00$25.001/4/2010 7:50:55 AM
TBCapitol$50.00$50.001/4/2010 8:15:56 AM
patriot384$200.00$46.951/4/2010 8:38:34 AM
exchange-cowbell5$100.00$100.001/4/2010 8:44:21 AM
Ven58$25.00$25.0012/29/2009 8:30:39 AM
golfreak923$25.00$25.0012/29/2009 10:47:02 AM
intuitive-deal5$160.00$160.0012/30/2009 8:08:48 AM
asya$30.00$30.0012/30/2009 4:01:27 PM
NewOpportunitiesNewLife$25.00$25.0012/30/2009 9:05:13 PM
UKJase$25.00$25.0012/31/2009 7:09:55 AM
lenderinnevada$50.00$50.0012/31/2009 1:36:52 PM
RandyL3$25.00$25.0012/31/2009 8:40:33 PM
payontime1$50.00$50.0012/31/2009 10:16:53 PM
5kids5$29.73$29.731/1/2010 9:39:54 AM
power-cell$30.00$30.001/1/2010 8:22:06 AM
don'twannadance$50.00$50.001/2/2010 5:50:57 AM
rospa$25.00$25.001/2/2010 12:43:46 PM
PotBellyPete$39.54$39.541/2/2010 7:12:18 PM
doc1$100.00$100.001/2/2010 8:42:10 PM
Leshan$25.00$25.001/3/2010 6:36:17 AM
jayk63$25.00$25.001/3/2010 6:12:59 AM
springpanda$25.00$25.001/3/2010 6:31:07 PM
stemper$50.00$50.001/3/2010 4:41:07 PM
Mikale360$25.00$25.001/4/2010 6:59:58 AM
SanJoser$25.00$25.001/3/2010 9:50:19 PM
wild-orange$50.00$50.001/4/2010 5:58:03 AM
fund-fox4$25.00$25.001/4/2010 9:13:28 AM
Asparagirl$50.00$50.001/4/2010 9:13:58 AM
bondhedger$25.00$25.001/4/2010 9:08:24 AM
PRGuyinVA$25.00$25.001/4/2010 8:42:58 AM
52 bids
 
Borrower Payment Dependent Notes Series 440118
This series of Notes was issued and sold upon the funding of the borrower loan #40333, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $20,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Dec-29-2009 
  Auction end date:  Jan-05-2010 
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $640.66
Final lender yield: 8.45% Final borrower rate/APR: 9.45% / 9.79% Final monthly payment: $640.19
 
Auction yield range: 3.20% - 8.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.95%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1991 Debt/Income ratio: 16%
Credit score: 820-839 (Dec-2009) Current / open credit lines: 27 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 59Length of status:13y 11m
Amount delinquent: $0 Revolving credit balance: $35,183 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: keen-yield7 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my revolving debt
Purpose of loan:
With?this loan,? we will pay off a revolving bank line of credit at 12.50%.? Currently we are paying either interest or?twice the interest amount to pay this loan down.?? I feel a lower rate will help us make more progress?

My financial situation:
I am a good candidate for this loan because this is the only other debt we have now other than our home.? Both of our cars are paid for and we have made progress in paying off all other consumer debt and not incurring new debt.
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 really make over 100K per/year? What is the name of the company? Is your job secure or will there be, as they say, re-org. - manny00
A: Yes I do. In fact well over that. I submitted a pay stub and last years w2 to prosper. I have worked here over 15 years and my job is very secure. Prosper has advised that I not release personally identifiable information (Jan-05-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
oreyedoc$50.00$50.0012/29/2009 4:05:46 PM
unk1911$25.00$25.0012/29/2009 4:23:10 PM
BigCityLending$25.00$25.0012/29/2009 4:23:25 PM
adir1$25.00$25.0012/29/2009 4:25:00 PM
Rob717171$25.00$25.0012/29/2009 4:20:14 PM
kenji4861$25.00$25.0012/29/2009 4:20:17 PM
portfolio-zone801$25.00$25.0012/29/2009 4:25:44 PM
AmericanCredit$25.00$25.0012/29/2009 4:25:49 PM
friendly-market5$25.00$25.0012/29/2009 4:22:06 PM
klinebarger$25.00$25.0012/29/2009 4:22:21 PM
bonus-adventure3$50.00$50.0012/29/2009 4:26:03 PM
first-fund-empenada$25.00$25.0012/29/2009 4:22:30 PM
fair-rate$25.00$25.0012/29/2009 4:22:34 PM
Picopie$50.00$50.0012/29/2009 4:26:11 PM
Carpetkid$50.00$50.0012/29/2009 4:26:13 PM
all_of_that_one$25.00$25.0012/29/2009 4:23:29 PM
neenerman$25.00$25.0012/29/2009 4:23:21 PM
first-upright-payout$50.00$50.0012/29/2009 4:26:33 PM
jwood3030$25.00$25.0012/29/2009 4:24:05 PM
Steveoo1$50.00$50.0012/29/2009 4:26:35 PM
note-tent$50.00$50.0012/29/2009 4:24:45 PM
BankofBen$250.00$250.0012/29/2009 4:26:56 PM
fortytwo$200.00$200.0012/29/2009 4:24:48 PM
first-pragmatic-note$25.00$25.0012/29/2009 4:27:00 PM
PA2LA$25.00$25.0012/29/2009 4:24:56 PM
superstar449$25.00$25.0012/29/2009 4:24:40 PM
secundus$25.00$25.0012/29/2009 4:25:11 PM
larrybird$100.00$100.0012/29/2009 4:25:15 PM
UT-Longhorn$25.00$25.0012/29/2009 4:24:58 PM
kegs$100.00$100.0012/29/2009 4:25:38 PM
docktah$50.00$50.0012/29/2009 4:25:30 PM
adama_48$25.00$25.0012/29/2009 4:28:04 PM
Tc11902$50.00$50.0012/29/2009 4:25:54 PM
diligent-leverage$25.00$25.0012/29/2009 4:25:41 PM
kaykarun$50.00$50.0012/29/2009 4:28:40 PM
elasermd$50.00$50.0012/29/2009 4:25:59 PM
vkorichkov$35.00$35.0012/29/2009 4:28:50 PM
best-deal-banker$50.00$50.0012/29/2009 4:26:46 PM
credit-force5$25.00$25.0012/29/2009 4:27:07 PM
elevated-platinum5$25.00$25.0012/29/2009 4:26:26 PM
wiselady$25.00$25.0012/29/2009 4:29:20 PM
lloyd_s$25.00$25.0012/29/2009 4:26:28 PM
cash-sensai2$25.00$25.0012/29/2009 4:29:24 PM
auction-elvis$25.00$25.0012/29/2009 4:27:17 PM
teller$60.00$60.0012/29/2009 4:29:31 PM
bchen78875$50.00$50.0012/29/2009 4:27:22 PM
the-debt-fluffy-bunny$25.00$25.0012/29/2009 4:29:35 PM
bowdish1$50.00$50.0012/29/2009 4:29:39 PM
gulch$35.00$35.0012/29/2009 4:27:33 PM
Cheburashka$30.00$30.0012/29/2009 4:30:00 PM
BankOfFrankFairness$50.00$50.0012/29/2009 4:27:50 PM
forthright-social$25.00$25.0012/29/2009 4:27:56 PM
credit-investor5$100.00$100.0012/29/2009 4:30:10 PM
AF-Chief$35.00$35.0012/29/2009 4:27:59 PM
flopcat$25.00$25.0012/29/2009 4:27:27 PM
rjleves$25.00$25.0012/29/2009 4:30:25 PM
Attract$25.00$25.0012/29/2009 4:27:40 PM
stable-nickel$170.00$170.0012/29/2009 4:30:31 PM
toblerone$25.00$25.0012/29/2009 4:28:20 PM
Walkingcowboy$25.00$25.0012/29/2009 4:27:43 PM
RICHMONDREB$25.00$25.0012/29/2009 4:28:31 PM
Kaj$30.00$30.0012/29/2009 4:27:54 PM
shamrocker$25.00$25.0012/29/2009 4:28:00 PM
natmonkey$25.00$25.0012/29/2009 4:28:10 PM
skvat$25.00$25.0012/29/2009 4:28:43 PM
buukyak$25.00$25.0012/29/2009 4:28:14 PM
outtahoth2o$100.00$100.0012/29/2009 4:28:51 PM
KiwiElf$30.00$30.0012/29/2009 4:31:31 PM
MidLifeCrisis$50.00$50.0012/29/2009 4:31:36 PM
wowsurfer$25.00$25.0012/29/2009 4:29:04 PM
dinero-festivity2$50.00$50.0012/29/2009 4:28:29 PM
bruin558$80.00$80.0012/29/2009 4:31:41 PM
anakinsolo$25.00$25.0012/29/2009 4:28:34 PM
discrete-asset$25.00$25.0012/29/2009 4:29:23 PM
head$25.00$25.0012/29/2009 4:29:36 PM
admirable-credit$25.00$25.0012/29/2009 4:32:07 PM
CAGE-Investments$100.00$100.0012/29/2009 4:29:45 PM
repayment-chef$25.00$25.0012/29/2009 4:32:41 PM
cny_loans$25.00$25.0012/29/2009 4:29:53 PM
flwah$25.00$25.0012/29/2009 4:29:27 PM
dharma1$25.00$25.0012/29/2009 4:36:28 PM
schpere$30.00$30.0012/29/2009 4:29:41 PM
superchicken$25.00$25.0012/29/2009 4:29:47 PM
buckyhead2000$25.00$25.0012/29/2009 4:29:54 PM
axis1$25.00$25.0012/29/2009 4:45:08 PM
market-builder$25.00$25.0012/29/2009 4:30:40 PM
nhm$50.00$50.0012/29/2009 4:30:14 PM
Psalm1$29.69$29.6912/29/2009 4:51:01 PM
forthright-dedication$25.00$25.0012/29/2009 4:30:50 PM
OCedHrt$25.00$25.0012/29/2009 4:31:17 PM
Sixmil$25.00$25.0012/29/2009 4:31:20 PM
creative-reward1$25.00$25.0012/29/2009 4:31:29 PM
sisterkate$25.00$25.0012/29/2009 4:31:37 PM
szetheli$50.00$50.0012/29/2009 4:31:11 PM
Avid_Skier$25.00$25.0012/29/2009 4:31:56 PM
djs81$25.00$25.0012/29/2009 4:32:03 PM
scott73$25.00$25.0012/29/2009 4:32:21 PM
SDNLR$25.00$25.0012/29/2009 5:12:42 PM
Speculator$50.00$50.0012/29/2009 4:32:37 PM
lending-bear$50.00$50.0012/29/2009 4:35:30 PM
checca4u$25.00$25.0012/29/2009 4:32:31 PM
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copperfield$25.00$25.0012/29/2009 4:36:30 PM
cello1$25.00$25.0012/29/2009 5:23:25 PM
FASTIZIO_P$33.33$33.3312/29/2009 5:23:30 PM
wealth-cloud$25.00$25.0012/29/2009 4:40:14 PM
Guiren$100.00$100.0012/29/2009 5:24:39 PM
MO_Investor$25.00$25.0012/29/2009 5:26:29 PM
CorMDNY$25.00$25.0012/29/2009 5:30:28 PM
mlkhamilton$25.00$25.0012/29/2009 5:12:31 PM
gatorsean2168$50.00$50.0012/29/2009 6:21:10 PM
Duanep01$25.00$25.0012/29/2009 5:10:36 PM
newbietony$40.00$40.0012/29/2009 5:12:46 PM
JGB$25.00$25.0012/29/2009 5:12:51 PM
neighborly-hope6$27.83$27.8312/29/2009 6:36:35 PM
HunterSix$25.00$25.0012/29/2009 5:13:00 PM
respectful-note$25.00$25.0012/29/2009 6:37:27 PM
point-zebra$25.00$25.0012/29/2009 5:22:14 PM
wise-silver-wonder$25.00$25.0012/29/2009 5:23:36 PM
fostaman$25.00$25.0012/29/2009 5:24:13 PM
Syzygy$25.00$25.0012/29/2009 5:27:00 PM
MattLic$25.00$25.0012/29/2009 5:30:24 PM
MTLoans$25.00$25.0012/29/2009 6:19:53 PM
slartibardfast$25.00$25.0012/29/2009 7:52:40 PM
knothead$25.00$25.0012/29/2009 8:18:13 PM
desertoasis$25.00$25.0012/29/2009 8:10:34 PM
Sierralance$25.00$25.0012/29/2009 8:18:14 PM
Taxman44$25.00$25.0012/29/2009 9:57:55 PM
worldly-kindness8$25.00$25.0012/29/2009 10:14:58 PM
serpentine$50.00$50.0012/30/2009 6:37:50 AM
Marathoner$25.00$25.0012/29/2009 10:15:41 PM
julijask$25.00$25.0012/30/2009 6:39:27 AM
cladius67$25.00$25.0012/30/2009 6:39:44 AM
4XKcWfGvp9kC3ELjo4pL$25.00$25.0012/30/2009 6:39:58 AM
antlr$25.00$25.0012/30/2009 6:40:05 AM
kulender$25.00$25.0012/30/2009 6:42:06 AM
Tai$25.00$25.0012/30/2009 6:42:31 AM
wdfraser$25.00$25.0012/30/2009 6:42:44 AM
theemhdoctor$25.00$25.0012/30/2009 1:05:27 AM
lucrative-worth$25.00$25.0012/30/2009 1:41:38 AM
zoomdrm57$50.00$50.0012/30/2009 7:41:46 AM
ChicoBob$50.00$50.0012/30/2009 1:05:48 AM
surfhoss644$25.00$25.0012/30/2009 7:42:48 AM
Musicman1950$25.00$25.0012/30/2009 7:44:07 AM
Reinadog9$25.00$25.0012/30/2009 6:36:56 AM
otter$25.00$25.0012/30/2009 6:37:12 AM
ray1051$25.00$25.0012/30/2009 6:39:23 AM
Lou-Holtz$25.00$25.0012/30/2009 7:57:12 AM
munnu$25.00$25.0012/30/2009 6:39:33 AM
cdv$25.00$25.0012/30/2009 7:57:17 AM
bnlforever$25.00$25.0012/30/2009 6:39:42 AM
mamayama$25.00$25.0012/30/2009 7:57:22 AM
Ivan2007$50.00$50.0012/30/2009 6:39:49 AM
the-bright-velocity$25.00$25.0012/30/2009 6:40:03 AM
worthy-truth$25.00$25.0012/30/2009 7:57:38 AM
systemlender$25.00$25.0012/30/2009 6:40:07 AM
nestegg4e$25.00$25.0012/30/2009 5:54:56 AM
LongTail$25.00$25.0012/30/2009 7:57:40 AM
bmcg$25.00$25.0012/30/2009 6:40:15 AM
Maccs55$25.00$25.0012/30/2009 7:57:51 AM
CaptainBlueberry$25.00$25.0012/30/2009 6:42:17 AM
Syndication$25.00$25.0012/30/2009 7:58:01 AM
RSV$25.00$25.0012/30/2009 7:58:05 AM
loner001$25.00$25.0012/30/2009 7:58:09 AM
paekakariki$25.00$25.0012/30/2009 7:58:15 AM
Pacioli$25.00$25.0012/30/2009 6:36:58 AM
Zarks$25.00$25.0012/30/2009 7:58:20 AM
ddamenace$25.00$25.0012/30/2009 7:58:22 AM
geniusj$25.00$25.0012/30/2009 6:37:51 AM
Citizenryan$25.00$25.0012/30/2009 7:58:26 AM
yachtiegirl$25.00$25.0012/30/2009 6:38:09 AM
wonderful-rupee$25.00$25.0012/30/2009 7:58:34 AM
rulender$26.63$26.6312/30/2009 7:18:18 AM
Divot$25.00$25.0012/30/2009 6:39:34 AM
divedude$25.00$25.0012/30/2009 6:39:36 AM
useful-p2ploan$50.00$50.0012/30/2009 7:59:56 AM
TexasLender2007$25.00$25.0012/30/2009 6:39:43 AM
slobberjob$25.00$25.0012/30/2009 7:41:32 AM
BeansMan02$25.00$25.0012/30/2009 6:39:56 AM
MarinLoans$32.16$32.1612/30/2009 7:41:45 AM
noble-vigilance9$25.00$25.0012/30/2009 6:40:13 AM
credit-flower$25.00$25.0012/30/2009 8:01:10 AM
AndersenWatcher$25.00$25.0012/30/2009 8:01:44 AM
blukestrel$25.00$25.0012/30/2009 6:42:46 AM
tsui517$25.00$25.0012/30/2009 8:01:55 AM
freesia54$25.00$25.0012/30/2009 7:44:05 AM
angelinvestor2$25.00$25.0012/30/2009 8:01:58 AM
TigerForce$25.00$25.0012/30/2009 8:02:04 AM
bluesky07$25.00$25.0012/30/2009 8:02:09 AM
TheBiggTree$25.00$25.0012/30/2009 8:02:17 AM
galtsgulch$25.00$25.0012/30/2009 8:02:33 AM
TakeCare$30.00$30.0012/30/2009 8:02:48 AM
skillful-finance$25.00$25.0012/30/2009 8:03:06 AM
the-commitment-idol$25.00$25.0012/30/2009 7:57:02 AM
MAJESTIC5$50.00$50.0012/30/2009 7:57:05 AM
get30inc$50.00$50.0012/30/2009 7:41:44 AM
Oakland$50.00$50.0012/30/2009 7:57:17 AM
Supernick$50.00$50.0012/30/2009 7:43:55 AM
Stock-Stud$25.00$25.0012/30/2009 7:57:25 AM
mcs86d$25.00$25.0012/30/2009 7:46:37 AM
lobster$25.00$25.0012/30/2009 7:57:35 AM
cerebral-return3$25.00$25.0012/30/2009 7:57:40 AM
DLock99$50.00$50.0012/30/2009 7:57:45 AM
attractive-value$25.00$25.0012/30/2009 7:57:48 AM
freeroll14$25.00$25.0012/30/2009 7:57:56 AM
wise-bonus-honker$25.00$25.0012/30/2009 7:58:10 AM
trillian16$25.00$25.0012/30/2009 7:58:15 AM
OaklandIuMien$25.00$25.0012/30/2009 7:58:18 AM
RG$35.00$35.0012/30/2009 7:57:10 AM
Kerrysbay$25.00$25.0012/30/2009 7:58:30 AM
greenbackologist$25.00$25.0012/30/2009 7:57:18 AM
dirkjan$25.00$25.0012/30/2009 7:58:32 AM
thedreamer$25.00$25.0012/30/2009 7:57:37 AM
mac415$25.00$25.0012/30/2009 7:59:22 AM
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dbzen$30.63$30.6312/30/2009 7:59:59 AM
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mathprof$25.00$25.0012/30/2009 8:00:25 AM
lend_to_you$50.00$50.0012/30/2009 8:01:11 AM
radiant-cash$39.61$39.6112/30/2009 7:58:08 AM
sjlender$25.00$25.0012/30/2009 8:01:45 AM
panegryst$25.00$25.0012/30/2009 7:58:11 AM
langdonx$25.00$25.0012/30/2009 8:01:52 AM
Skiph$25.00$25.0012/30/2009 7:58:17 AM
GyJAV_BNCCo$30.00$30.0012/30/2009 8:02:00 AM
aycinvestments$25.00$25.0012/30/2009 7:58:24 AM
lifegrowth$25.00$25.0012/30/2009 8:02:11 AM
Frugal$25.00$25.0012/30/2009 7:58:33 AM
JeffHoll$50.00$50.0012/30/2009 7:58:35 AM
anacho4me$25.00$25.0012/30/2009 8:02:29 AM
bluechip$25.00$25.0012/30/2009 7:59:25 AM
Sigonio$25.00$25.0012/30/2009 8:02:39 AM
aspen5$25.00$25.0012/30/2009 7:59:55 AM
Jack1966$25.00$25.0012/30/2009 8:02:50 AM
smallcountry$25.00$25.0012/30/2009 8:00:01 AM
pwkpwk$25.00$25.0012/30/2009 8:00:26 AM
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fund-medalist171$25.00$25.0012/30/2009 8:01:46 AM
elegant-bonus$25.00$25.0012/30/2009 8:01:53 AM
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morpholog$25.00$25.0012/30/2009 8:02:32 AM
stensonb$25.00$25.0012/30/2009 8:02:36 AM
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xphile$25.00$25.0012/30/2009 8:02:53 AM
turbostar666$30.00$30.0012/30/2009 2:38:51 PM
elevated-finance$25.00$25.0012/30/2009 7:25:44 PM
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wwwUniversal$25.00$25.0012/31/2009 12:02:36 PM
FundMaker$25.00$25.0012/31/2009 4:52:00 PM
exchange-cowbell5$100.00$100.0012/31/2009 6:02:09 PM
surfsider123$25.00$25.001/1/2010 11:00:04 AM
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swaptionaire$250.00$250.001/4/2010 10:53:33 AM
glimmering-credit4$25.00$25.001/4/2010 11:03:40 AM
Gromac$25.00$25.001/4/2010 11:53:46 AM
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e3oM$45.21$45.211/4/2010 5:23:45 PM
handy-justice$50.00$50.001/4/2010 8:55:51 PM
hope-lionheart1$25.00$25.001/4/2010 9:34:49 PM
soular21804$25.00$25.001/5/2010 2:09:53 AM
Astyanax$25.00$25.001/4/2010 5:27:51 PM
studious-revenue7$25.00$25.001/4/2010 5:03:58 PM
senior1$25.00$25.001/4/2010 6:21:37 PM
p2ploan-sensation211$50.00$50.001/5/2010 7:25:49 AM
orange-pound-party$25.00$25.001/4/2010 7:14:55 PM
historyman$25.00$25.001/4/2010 9:19:06 PM
handy-justice$50.00$50.001/4/2010 8:57:54 PM
benefit-squirrel$100.00$100.001/4/2010 9:50:24 PM
outofoffice$25.00$25.001/5/2010 5:58:47 AM
RandyL3$25.00$25.001/5/2010 12:08:37 PM
worth-quark$25.00$25.001/5/2010 12:26:45 PM
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dmitriy2$25.00$25.001/5/2010 1:17:34 PM
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njmlaj726$25.00$25.001/5/2010 2:45:56 PM
exciting-fairness$200.00$200.001/5/2010 2:56:42 PM
lefty756$25.00$25.001/5/2010 10:42:06 AM
ihelpunow$25.00$25.001/5/2010 9:37:04 AM
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crw1950$50.00$50.001/5/2010 1:58:47 PM
skillful-asset5$100.00$100.001/5/2010 2:35:54 PM
gothampark$25.00$25.001/5/2010 1:32:32 PM
rate-hickory$100.00$100.001/5/2010 1:48:19 PM
squarebob$25.00$25.001/5/2010 3:34:34 PM
givetolive$25.00$25.001/5/2010 3:54:25 PM
responsibility-butterfly$25.00$25.0012/29/2009 4:21:31 PM
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egw$25.00$25.0012/29/2009 4:23:28 PM
thedoctor$90.00$90.0012/29/2009 4:24:42 PM
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BlindProphet$25.00$25.0012/29/2009 4:25:02 PM
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gourd6$25.00$25.0012/29/2009 4:20:47 PM
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Avala$25.00$25.0012/29/2009 4:22:17 PM
dedicated-diversification5$75.00$75.0012/29/2009 4:26:01 PM
honorable-yield$75.00$75.0012/29/2009 4:26:05 PM
rosie777$25.00$25.0012/29/2009 4:22:47 PM
jbaum$100.00$100.0012/29/2009 4:26:18 PM
personal-lender$25.00$25.0012/29/2009 4:26:29 PM
Havana21$25.00$25.0012/29/2009 4:26:37 PM
orange-courageous-dedication$40.00$40.0012/29/2009 4:26:39 PM
the-money-gargantuan$25.00$25.0012/29/2009 4:26:42 PM
ljay$25.00$25.0012/29/2009 4:24:37 PM
scottr$25.00$25.0012/29/2009 4:24:27 PM
roccofox$50.00$50.0012/29/2009 4:26:54 PM
junctionking$25.00$25.0012/29/2009 4:26:58 PM
SCOTTOL$25.00$25.0012/29/2009 4:27:12 PM
majestic-dedication$50.00$50.0012/29/2009 4:25:19 PM
leodaguy$25.00$25.0012/29/2009 4:27:35 PM
aventurer$25.00$25.0012/29/2009 4:25:21 PM
SNH$50.00$50.0012/29/2009 4:25:05 PM
the_winning_ticket$35.00$35.0012/29/2009 4:27:38 PM
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LAKESPRING$50.00$50.0012/29/2009 4:28:39 PM
cingular$25.00$25.0012/29/2009 4:28:47 PM
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greenwell$50.00$50.0012/29/2009 4:26:07 PM
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Jassi$25.00$25.0012/29/2009 4:28:22 PM
invincible-marketplace$25.00$25.0012/29/2009 4:28:27 PM
Artist_Blue$25.00$25.0012/29/2009 4:29:10 PM
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agwosdof$25.00$25.0012/30/2009 7:59:58 AM
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janus_god$35.00$35.001/1/2010 4:27:05 PM
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loyalty-czar$58.19$58.191/4/2010 6:19:09 PM
justice-hawk$25.00$25.001/4/2010 7:17:28 PM
credit-observatory$25.00$25.001/4/2010 7:30:47 PM
persistent-value3$70.54$70.541/5/2010 9:27:55 AM
zento$25.00$25.001/4/2010 9:07:30 PM
jybank$50.00$50.001/5/2010 10:11:32 AM
bnordman$87.29$87.291/5/2010 10:46:09 AM
ArmyGuy$50.00$50.001/5/2010 5:13:50 AM
Brklyn01$35.00$35.001/5/2010 8:31:24 AM
megich06$50.00$50.001/5/2010 9:34:25 AM
orbital-gain$50.00$50.001/5/2010 8:21:25 AM
scientists$25.00$25.001/5/2010 10:02:56 AM
Patrician$53.82$53.821/5/2010 11:04:03 AM
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Moby$31.87$31.871/5/2010 10:48:38 AM
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bomdel$25.00$25.001/5/2010 11:52:24 AM
velocity-winner$25.00$25.001/5/2010 1:23:08 PM
dblaz5$500.00$500.001/5/2010 2:51:10 PM
squarebob$25.00$25.001/5/2010 3:18:32 PM
smart-gold$25.00$25.001/5/2010 3:30:53 PM
574 bids
 
Borrower Payment Dependent Notes Series 440168
This series of Notes was issued and sold upon the funding of the borrower loan #40330, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Dec-29-2009 
  Auction end date:  Jan-05-2010 
 
Starting lender yield: 31.67% Starting borrower rate/APR: 32.67% / 35.09% Starting monthly payment: $307.49
Final lender yield: 31.67% Final borrower rate/APR: 32.67% / 35.09% Final monthly payment: $307.49
 
Auction yield range: 14.20% - 31.67% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.21%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1998 Debt/Income ratio: 20%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:15y 2m
Amount delinquent: $0 Revolving credit balance: $52,551 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: wise-authoritative-yield Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Birth of Baby /paying credit cards
Purpose of loan:
This loan will be used to? Pay down some debt / birth of new baby / move to much cheaper apartment when it is ready in February.

My financial situation:
I am a good candidate for this loan because? I have been a NYS Court Officer for the last 15 years, and have a good credit history

Monthly net income: $ 4800

Monthly expenses: $ 3696
??Housing: $ 1600
??Insurance: $?
??Car expenses: $190
??Utilities: $?0
??Phone, cable, internet: $ 106
??Food, entertainment: $?800
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please list the balances of each of your debts. thanks - reflective-rupee
A: 28000 13000 6000 4000 2000 (Dec-30-2009)
Q: Please identify the credit for each of the debts listed above. Please also indicate the interest rate and monthly payment for each. Thanks much and best wishes. - reflective-rupee
A: Bank of America 28000 -21.2%= 500 monthly payment / Chase13000 -22.4%= 300 mp/ Amex 6000-15%=150 mp/ car payment toyota 4000 =150mp. Thank you. (Dec-30-2009)
Q: your revolving debt interest rate <23% so why do you what a prosper loan @32%APR. ? - Capit0l
A: To have some extra money in bank for unforseen baby bills and moving expenses. I would prefer to keep my business away from the credit card companies if possible. 2 of the 3 companies I have accounts with raised my Apr this year. I was and am a good customer with no history of late payments. This left a bad taste in my mouth lol. At this point I would rather see my money go into a place/ community like Prosper, than to CC companies. Thank you. (Dec-31-2009)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.0012/29/2009 4:45:52 PM
reflective-rupee$100.00$100.0012/29/2009 10:09:54 PM
reflective-rupee$100.00$100.0012/29/2009 10:10:34 PM
reflective-rupee$100.00$100.0012/29/2009 10:10:07 PM
Skeptical-one$100.00$100.0012/30/2009 10:42:13 AM
skillful-asset5$200.00$200.0012/30/2009 9:48:24 AM
reflective-rupee$100.00$100.0012/30/2009 2:06:14 PM
exchange-cowbell5$150.00$150.0012/30/2009 3:06:57 PM
DasMula$50.00$50.0012/30/2009 12:48:39 PM
reflective-rupee$100.00$100.0012/30/2009 2:05:26 PM
investment-forte$50.00$50.0012/30/2009 8:23:42 PM
Capit0l$25.00$25.0012/31/2009 9:51:43 AM
loss-of-control$46.30$46.301/2/2010 1:58:29 PM
well-mannered-income3$50.00$50.001/4/2010 12:28:19 PM
dorypro$25.00$25.001/4/2010 3:06:27 PM
CatbirdBanking$25.00$25.001/4/2010 9:20:57 PM
secrets10169$25.00$25.001/5/2010 5:39:05 AM
piter-to-la-investment$25.00$25.001/4/2010 5:49:36 PM
SFBank$200.00$200.001/4/2010 7:57:43 PM
supreme-hope$25.00$25.001/5/2010 9:30:36 AM
buffalobills$25.00$25.001/5/2010 10:24:20 AM
well-mannered-income3$50.00$50.001/5/2010 9:32:55 AM
dorypro$25.00$25.001/5/2010 11:59:05 AM
reflective-rupee$300.00$300.001/5/2010 1:43:18 PM
squarebob$25.00$25.001/5/2010 2:41:41 PM
reflective-rupee$150.00$150.001/5/2010 2:45:29 PM
skillful-asset5$200.00$200.001/5/2010 2:50:41 PM
DasMula$100.00$100.001/5/2010 3:40:29 PM
DasMula$50.00$50.001/5/2010 3:56:00 PM
squarebob$226.42$149.151/5/2010 3:53:04 PM
skillful-asset5$100.00$100.001/5/2010 3:58:18 PM
reflective-rupee$100.00$100.0012/29/2009 10:10:47 PM
reflective-rupee$100.00$100.0012/29/2009 10:10:20 PM
openness-prospector$50.00$50.0012/30/2009 9:43:20 AM
reflective-rupee$100.00$100.0012/30/2009 2:05:58 PM
reflective-rupee$100.00$100.0012/30/2009 2:05:39 PM
reflective-rupee$700.00$700.0012/30/2009 3:40:42 PM
FinDoc$25.00$25.0012/30/2009 7:45:33 PM
truth-fanatic$25.00$25.0012/30/2009 7:41:17 PM
JackinGreen$25.00$25.0012/30/2009 9:03:06 PM
Bob450$25.00$25.0012/31/2009 2:05:12 PM
deepblue34$35.00$35.001/3/2010 7:03:23 PM
vivacious-p2p3$25.00$25.001/4/2010 5:25:11 AM
well-mannered-income3$50.00$50.001/4/2010 5:53:22 PM
reflective-rupee$1,000.00$1,000.001/4/2010 6:26:18 PM
penny-surgeon$25.00$25.001/4/2010 6:26:33 PM
DasMula$500.00$500.001/5/2010 6:41:13 AM
reflective-rupee$200.00$200.001/5/2010 2:56:46 PM
credit-coach118$55.00$55.001/5/2010 9:18:56 AM
exciting-fairness$200.00$200.001/5/2010 3:06:22 PM
reflective-rupee$139.55$139.551/5/2010 2:18:41 PM
DasMula$450.00$450.001/5/2010 3:54:31 PM
exchange-cowbell5$300.00$300.001/5/2010 3:57:47 PM
53 bids
 
Borrower Payment Dependent Notes Series 440174
This series of Notes was issued and sold upon the funding of the borrower loan #40327, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Dec-29-2009 
  Auction end date:  Jan-05-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $367.84
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $367.57
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.23%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1992 Debt/Income ratio: 20%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 53Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $11,366 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: JayhawkAtHeart Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest CCs
Purpose of loan:
This loan will be used to? pay off high-interest rate credit cards.? I used to play the balance transfer game, but once Bank of America bought out MBNA they realized they had all my debt and significantly increased my interest rates to over 20%.? I still have a good credit rating because I've continued to pay my bills, however, I have not been able to GET RID of the CC debt and I refuse to lower my credit rating by using one of those debt consolidation companies.? I've paid on average about $1000 each month with no real impact on the total, even moving in with friends to save on rent.? But the time has come for me to move out and I?still haven't been able to impact the?total debt enough to make me comfortable with my financial situation.? One of my dogs has also come down with congestive heart failure and is on several medications, so I pay for the meds and his vet bills instead of additional money on my CC bills and sometimes, unfortunately, I have to put some of that on CC.? Please help me get out of this high-interest rate debt.

My financial situation:
I am a good candidate for this loan because? I have a great job at?ExxonMobil, one of the strongest financial companies in the world.? I used to put about 15% into my 401K, but?stopped contributing about 6 months?ago to?try and reduce?my CC debt.? I don't want to risk my?retirement any longer and want to start contributing again.??My financial situation is improving as I just received a raise in January and my car will be paid off in June of this year.? However, I don't have a lot in savings because I've been putting everything extra into this debt.? I hope to pay $500 or less each month so I can put some money away into savings and into my retirement again.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bnlforever$25.00$25.0012/29/2009 4:01:48 PM
hard-working-loot$25.00$25.0012/29/2009 4:03:24 PM
top-commitment-champ$25.00$25.0012/29/2009 4:03:43 PM
crispies$25.00$25.0012/29/2009 4:04:40 PM
spyro$25.00$25.0012/29/2009 4:04:42 PM
the-bright-velocity$28.97$28.9712/29/2009 4:05:44 PM
oreyedoc$50.00$50.0012/29/2009 4:05:47 PM
interest-exec9$25.00$25.0012/29/2009 4:03:10 PM
KR$25.00$25.0012/29/2009 4:01:37 PM
red-undaunted-kindness$100.00$100.0012/29/2009 4:03:41 PM
spruce2$25.00$25.0012/29/2009 4:07:42 PM
cash-boots$25.00$25.0012/29/2009 4:07:48 PM
a-resplendent-commitment$25.00$25.0012/29/2009 4:03:59 PM
Cheburashka$25.00$25.0012/29/2009 4:07:59 PM
Tradesmanlender$25.00$25.0012/29/2009 4:03:08 PM
Bio-physicist$25.00$25.0012/29/2009 4:08:51 PM
DrStaff$60.00$60.0012/29/2009 4:09:10 PM
LAKESPRING$25.00$25.0012/29/2009 4:09:26 PM
mathprof$25.00$25.0012/29/2009 4:04:25 PM
ramblin$25.00$25.0012/29/2009 4:09:41 PM
banjoey$25.00$25.0012/29/2009 4:04:50 PM
BCTechnology$25.00$25.0012/29/2009 4:04:52 PM
a-resplendent-asset$25.00$25.0012/29/2009 4:06:34 PM
Fiimg$50.00$50.0012/29/2009 4:10:26 PM
SilverRain$25.00$25.0012/29/2009 4:10:31 PM
bahmoose$25.00$25.0012/29/2009 4:05:29 PM
cyberie21$25.00$25.0012/29/2009 4:07:22 PM
Onesiphorus$25.00$25.0012/29/2009 4:11:19 PM
brilliant-revenue$25.00$25.0012/29/2009 4:07:33 PM
AF-Chief$35.00$35.0012/29/2009 4:06:31 PM
liberty-revelry2$25.00$25.0012/29/2009 4:12:11 PM
ImaPutz$25.00$25.0012/29/2009 4:07:28 PM
order-prospector$50.00$50.0012/29/2009 4:12:25 PM
kmfreymi$25.00$25.0012/29/2009 4:12:30 PM
sasa101$50.00$50.0012/29/2009 4:09:07 PM
Speculator$50.00$50.0012/29/2009 4:09:55 PM
balanced-balance6$50.00$50.0012/29/2009 4:13:31 PM
ISHLEP67$50.00$50.0012/29/2009 4:09:12 PM
Havana21$25.00$25.0012/29/2009 4:13:39 PM
tallmon$25.00$25.0012/29/2009 4:09:30 PM
dpjd$50.00$50.0012/29/2009 4:13:50 PM
towering-compassion$25.00$25.0012/29/2009 4:09:37 PM
jeg3k$25.00$25.0012/29/2009 4:13:59 PM
elegant-income3$30.00$30.0012/29/2009 4:14:07 PM
radiant-fund$25.00$25.0012/29/2009 4:11:31 PM
kegs$100.00$100.0012/29/2009 4:11:37 PM
portfolio-zone801$25.00$25.0012/29/2009 4:11:46 PM
littlemonkey$25.00$25.0012/29/2009 4:11:50 PM
kmr2$50.00$50.0012/29/2009 4:11:56 PM
RetiredATC$25.00$25.0012/29/2009 4:14:38 PM
WalnutCreekguy$33.00$33.0012/29/2009 4:14:46 PM
PeterV$25.00$25.0012/29/2009 4:12:04 PM
moneysuccess$25.00$25.0012/29/2009 4:11:09 PM
orange-courageous-dedication$30.00$30.0012/29/2009 4:15:26 PM
plentiful-reward$50.00$50.0012/29/2009 4:11:16 PM
Picopie$50.00$50.0012/29/2009 4:15:40 PM
BlindJoeDeath$25.00$25.0012/29/2009 4:12:41 PM
Frugal$25.00$25.0012/29/2009 4:15:51 PM
Aquani$50.00$50.0012/29/2009 4:12:53 PM
head$25.00$25.0012/29/2009 4:11:53 PM
helpu88$25.00$25.0012/29/2009 4:13:04 PM
MARWARISETH$25.00$25.0012/29/2009 4:12:06 PM
gaileyb$25.00$25.0012/29/2009 4:16:25 PM
bold-yield-rumbler$25.00$25.0012/29/2009 4:16:29 PM
ghinga$50.00$50.0012/29/2009 4:13:16 PM
a-special-power$25.00$25.0012/29/2009 4:12:18 PM
DRA-Properties$25.00$25.0012/29/2009 4:16:32 PM
talang$25.00$25.0012/29/2009 4:13:20 PM
diplomatic-point4$50.00$50.0012/29/2009 4:16:35 PM
syounker$25.00$25.0012/29/2009 4:12:32 PM
principal-kung-fu$25.00$25.0012/29/2009 4:13:33 PM
Banker7371$25.00$25.0012/29/2009 4:16:42 PM
currency-prometheus$25.00$25.0012/29/2009 4:12:48 PM
get30inc$25.00$25.0012/29/2009 4:13:03 PM
drumcorpsnut$50.00$50.0012/29/2009 4:16:52 PM
EnigmaNYC-29$25.00$25.0012/29/2009 4:13:57 PM
MrMoney0622$25.00$25.0012/29/2009 4:17:04 PM
Pizza-man$50.00$50.0012/29/2009 4:14:04 PM
Unclejohn$35.00$35.0012/29/2009 4:13:25 PM
PROFITABLE7$25.00$25.0012/29/2009 4:17:19 PM
trade-pumpkin$25.00$25.0012/29/2009 4:14:15 PM
purgolder83$25.00$25.0012/29/2009 4:17:25 PM
yield-lion$25.00$25.0012/29/2009 4:13:41 PM
dmfog$25.00$25.0012/29/2009 4:17:33 PM
payout-achievement$40.00$40.0012/29/2009 4:14:30 PM
rolandweary$40.00$40.0012/29/2009 4:14:36 PM
AKJagMan$25.00$25.0012/29/2009 4:17:42 PM
burrito6$25.00$25.0012/29/2009 4:17:48 PM
kulender$25.00$25.0012/29/2009 4:17:59 PM
dedicated-diversification5$190.00$190.0012/29/2009 4:14:12 PM
commitment-forte6$25.00$25.0012/29/2009 4:18:09 PM
galaxy1$25.00$25.0012/29/2009 4:14:19 PM
E_G$30.00$30.0012/29/2009 4:14:24 PM
klinebarger$25.00$25.0012/29/2009 4:15:18 PM
thestartuplender$35.00$35.0012/29/2009 4:15:24 PM
kchen486$25.00$25.0012/29/2009 4:15:27 PM
wayman$50.00$50.0012/29/2009 4:14:50 PM
54CHEVY$25.00$25.0012/29/2009 4:15:45 PM
duty-monger$50.00$50.0012/29/2009 4:15:11 PM
VBAces$50.00$50.0012/29/2009 4:15:58 PM
brazilofmux$100.00$100.0012/29/2009 4:16:10 PM
credit-tulip$25.00$25.0012/29/2009 4:15:31 PM
SNH$50.00$50.0012/29/2009 4:15:39 PM
exact-loan5$25.00$25.0012/29/2009 4:15:48 PM
gethsemane4$25.00$25.0012/29/2009 4:16:20 PM
ferocious-exchange3$25.00$25.0012/29/2009 4:15:59 PM
gulch$25.00$25.0012/29/2009 4:16:28 PM
Danfromnapa$50.00$50.0012/29/2009 4:16:38 PM
LenderByDay$25.00$25.0012/29/2009 4:16:17 PM
Kmac_Lending$25.00$25.0012/29/2009 4:16:22 PM
MoneyMaker249$25.00$25.0012/29/2009 4:16:45 PM
aldeed$25.00$25.0012/29/2009 4:16:27 PM
ljay$25.00$25.0012/29/2009 4:16:30 PM
CalBear5$25.00$25.0012/29/2009 4:17:00 PM
Binan$25.00$25.0012/29/2009 4:16:44 PM
qitaana$25.00$25.0012/29/2009 4:17:06 PM
wonderful-return5$25.00$25.0012/29/2009 4:16:48 PM
Luv2Bless$25.00$25.0012/29/2009 4:16:57 PM
docktah$50.00$50.0012/29/2009 4:17:30 PM
larrybird$100.00$100.0012/29/2009 4:17:40 PM
CSUgrad08$25.00$25.0012/29/2009 4:17:38 PM
treasure-bliss$100.00$100.0012/29/2009 4:18:01 PM
crazycool$25.00$25.0012/29/2009 4:17:50 PM
piter-to-la-investment$25.00$25.0012/29/2009 4:18:07 PM
Katburg$35.00$35.0012/29/2009 4:17:57 PM
worthy-reward1$50.00$50.0012/29/2009 4:18:10 PM
sjlender$25.00$25.0012/29/2009 4:18:04 PM
admirable-credit$25.00$25.0012/29/2009 4:32:09 PM
Cherrypicker$50.00$50.0012/30/2009 7:42:58 AM
springpanda$25.00$25.0012/30/2009 6:01:52 PM
ThomasTrain$25.00$25.0012/31/2009 5:30:31 AM
rjsdsu$25.00$25.0012/31/2009 10:39:35 AM
bankojerry$25.00$25.0012/31/2009 11:34:07 AM
interstellar$50.00$50.001/1/2010 10:56:24 PM
stemper$50.00$50.001/3/2010 4:50:28 PM
justin323$25.00$25.001/3/2010 6:36:10 PM
bonus-adventure3$50.00$50.001/3/2010 11:53:44 PM
OoM$25.00$25.001/4/2010 10:07:43 AM
hope-lionheart1$25.00$25.001/4/2010 10:29:10 AM
woodsider$50.00$50.001/4/2010 12:00:49 PM
the-profit-oracle$25.00$25.001/4/2010 12:37:58 PM
worth-victor6$25.00$25.001/4/2010 7:50:38 PM
outofoffice$50.00$50.001/5/2010 5:58:06 AM
Astyanax$25.00$25.001/4/2010 5:32:31 PM
productive-moola$37.53$37.531/4/2010 9:36:46 PM
1SteelerFan$35.00$35.001/5/2010 11:42:18 AM
TakeCare$25.00$25.001/5/2010 1:23:11 PM
caseattle$25.00$25.001/5/2010 9:22:41 AM
catalystcf$25.00$25.001/5/2010 2:26:39 PM
jetsons6866$50.00$50.001/5/2010 2:30:48 PM
persistent-value3$45.31$45.311/5/2010 9:35:43 AM
jybank$50.00$50.001/5/2010 10:14:03 AM
nalaari$50.00$50.001/5/2010 3:49:54 PM
velocity-winner$25.00$25.001/5/2010 1:24:45 PM
givetolive$25.00$25.001/5/2010 3:56:28 PM
politicsman$25.00$25.0012/29/2009 4:05:31 PM
Au-Ag-Pt$25.00$25.0012/29/2009 4:06:03 PM
A007$25.00$25.0012/29/2009 4:01:43 PM
cognizant-rate732$25.00$25.0012/29/2009 4:07:40 PM
moramis$25.00$25.0012/29/2009 4:01:46 PM
capital-amplifier$25.00$25.0012/29/2009 4:07:44 PM
SDNLR$25.00$25.0012/29/2009 4:04:21 PM
mpatrick$27.56$27.5612/29/2009 4:09:16 PM
smurf163$25.00$25.0012/29/2009 4:09:18 PM
mmckune$25.00$25.0012/29/2009 4:09:21 PM
cheng$25.00$25.0012/29/2009 4:05:20 PM
keeminn$25.00$25.0012/29/2009 4:05:27 PM
worth-quark$25.00$25.0012/29/2009 4:05:34 PM
ClearLake$25.00$25.0012/29/2009 4:09:51 PM
irrelevant$25.00$25.0012/29/2009 4:10:09 PM
booksleuth$50.00$50.0012/29/2009 4:06:29 PM
Rob717171$25.00$25.0012/29/2009 4:10:15 PM
Supernick$100.00$100.0012/29/2009 4:06:37 PM
fcukciti$25.00$25.0012/29/2009 4:10:28 PM
lend_to_you$46.44$46.4412/29/2009 4:10:33 PM
TigerForce$25.00$25.0012/29/2009 4:05:23 PM
kirkjerk$25.00$25.0012/29/2009 4:07:05 PM
gmilliken$25.00$25.0012/29/2009 4:05:36 PM
Reinadog9$25.00$25.0012/29/2009 4:11:02 PM
tuneman1980$25.00$25.0012/29/2009 4:11:07 PM
entrager$25.00$25.0012/29/2009 4:07:30 PM
OCedHrt$25.00$25.0012/29/2009 4:05:52 PM
djh47a$30.00$30.0012/29/2009 4:11:14 PM
bruin558$50.00$50.0012/29/2009 4:06:18 PM
BuffetRocks$50.00$50.0012/29/2009 4:08:01 PM
wise-silver-wonder$25.00$25.0012/29/2009 4:11:58 PM
jgar_O$25.00$25.0012/29/2009 4:08:08 PM
loanfairy$25.00$25.0012/29/2009 4:06:51 PM
calm-deal7$25.00$25.0012/29/2009 4:09:04 PM
boater01$50.00$50.0012/29/2009 4:12:37 PM
Tc11902$25.00$25.0012/29/2009 4:07:54 PM
Josta$50.00$50.0012/29/2009 4:12:45 PM
fatson43$25.00$25.0012/29/2009 4:13:06 PM
swm$25.00$25.0012/29/2009 4:13:12 PM
supreme-hope$25.00$25.0012/29/2009 4:08:33 PM
desertoasis$25.00$25.0012/29/2009 4:13:27 PM
aasx1108$25.00$25.0012/29/2009 4:13:35 PM
integrity-doctor$50.00$50.0012/29/2009 4:13:37 PM
iolaire$25.00$25.0012/29/2009 4:10:39 PM
market-inspector$25.00$25.0012/29/2009 4:09:17 PM
Frenchynh$25.00$25.0012/29/2009 4:13:44 PM
vkorichkov$30.00$30.0012/29/2009 4:09:24 PM
ryelk$25.00$25.0012/29/2009 4:13:46 PM
tmillerosu$25.00$25.0012/29/2009 4:09:28 PM
Doodlemeyer$25.00$25.0012/29/2009 4:13:48 PM
dunox$25.00$25.0012/29/2009 4:10:55 PM
elegant-bonus$25.00$25.0012/29/2009 4:11:11 PM
red-favorable-basis$25.00$25.0012/29/2009 4:11:22 PM
newyork6264$25.00$25.0012/29/2009 4:11:29 PM
MicroL$25.00$25.0012/29/2009 4:10:03 PM
ocho$25.00$25.0012/29/2009 4:11:33 PM
auctionbros$25.00$25.0012/29/2009 4:14:17 PM
ibuystk$50.00$50.0012/29/2009 4:11:39 PM
foxy-fund$50.00$50.0012/29/2009 4:11:48 PM
creative-gold$25.00$25.0012/29/2009 4:10:37 PM
Trojan1976$25.00$25.0012/29/2009 4:12:02 PM
hitsman$50.00$50.0012/29/2009 4:15:04 PM
roto$25.00$25.0012/29/2009 4:15:17 PM
note-tent$25.00$25.0012/29/2009 4:15:30 PM
nodrivelpls$25.00$25.0012/29/2009 4:15:37 PM
julijask$25.00$25.0012/29/2009 4:11:43 PM
flopcat$25.00$25.0012/29/2009 4:15:55 PM
kalyani74$50.00$50.0012/29/2009 4:12:57 PM
egw$25.00$25.0012/29/2009 4:12:00 PM
lagnisiruk$25.00$25.0012/29/2009 4:13:10 PM
dime-beeper$25.00$25.0012/29/2009 4:12:08 PM
compuguy8$25.00$25.0012/29/2009 4:13:14 PM
Siafu$25.00$25.0012/29/2009 4:12:17 PM
jbaum$25.00$25.0012/29/2009 4:13:18 PM
best-phenomenal-treasure$25.00$25.0012/29/2009 4:12:21 PM
salala$25.00$25.0012/29/2009 4:12:27 PM
Dahlozer$25.00$25.0012/29/2009 4:12:34 PM
dollar-oracle55$25.00$25.0012/29/2009 4:16:40 PM
responsibility-butterfly$25.00$25.0012/29/2009 4:12:42 PM
agwosdof$100.00$100.0012/29/2009 4:12:50 PM
adir1$25.00$25.0012/29/2009 4:16:47 PM
PhalanxBulldog$25.00$25.0012/29/2009 4:13:00 PM
kelseyshea$25.00$25.0012/29/2009 4:16:50 PM
LiquidLender$25.00$25.0012/29/2009 4:13:07 PM
whsprint$25.00$25.0012/29/2009 4:16:55 PM
schpere$25.00$25.0012/29/2009 4:17:03 PM
kirkmountain$25.00$25.0012/29/2009 4:17:08 PM
sentimental-euro$25.00$25.0012/29/2009 4:14:06 PM
Marathoner$25.00$25.0012/29/2009 4:17:11 PM
srilm$25.00$25.0012/29/2009 4:13:21 PM
djronin47$25.00$25.0012/29/2009 4:17:17 PM
astute-dollar$50.00$50.0012/29/2009 4:14:13 PM
metro457$25.00$25.0012/29/2009 4:13:29 PM
skiingawfs$25.00$25.0012/29/2009 4:17:29 PM
credit-kahuna$100.00$100.0012/29/2009 4:14:28 PM
yield-hero4$25.00$25.0012/29/2009 4:17:35 PM
personal-lender$25.00$25.0012/29/2009 4:14:33 PM
punctual-power7$25.00$25.0012/29/2009 4:13:52 PM
bchen78875$25.00$25.0012/29/2009 4:14:42 PM
MoneyU4IA$25.00$25.0012/29/2009 4:14:00 PM
JohnW12$25.00$25.0012/29/2009 4:17:44 PM
wiltonbound$25.00$25.0012/29/2009 4:15:00 PM
forthright-social$25.00$25.0012/29/2009 4:14:10 PM
Steveoo1$25.00$25.0012/29/2009 4:18:06 PM
shrewd-deal$25.00$25.0012/29/2009 4:15:07 PM
useful-p2ploan$50.00$50.0012/29/2009 4:15:13 PM
Diamond_Jim$25.00$25.0012/29/2009 4:14:22 PM
tremendous-payment$25.00$25.0012/29/2009 4:14:26 PM
techvet$25.00$25.0012/29/2009 4:15:34 PM
benefit-squirrel$30.00$30.0012/29/2009 4:14:56 PM
maule$25.00$25.0012/29/2009 4:15:47 PM
sidney102$50.00$50.0012/29/2009 4:15:09 PM
worldly-community3$25.00$25.0012/29/2009 4:15:53 PM
PatRichi$25.00$25.0012/29/2009 4:15:57 PM
hope-eagle6$25.00$25.0012/29/2009 4:15:14 PM
Kaj$25.00$25.0012/29/2009 4:15:23 PM
steady-gain5$25.00$25.0012/29/2009 4:16:07 PM
hutch13$50.00$50.0012/29/2009 4:15:29 PM
melodious-fairness$25.00$25.0012/29/2009 4:16:11 PM
fortytwo$150.00$150.0012/29/2009 4:16:16 PM
swoosh$25.00$25.0012/29/2009 4:15:41 PM
skiberdad$50.00$50.0012/29/2009 4:16:19 PM
TennSquire$25.00$25.0012/29/2009 4:15:50 PM
tidy-dime$25.00$25.0012/29/2009 4:16:23 PM
blooming-dedication$50.00$50.0012/29/2009 4:16:03 PM
CrossCreek$25.00$25.0012/29/2009 4:16:08 PM
Dunndeal4u$25.00$25.0012/29/2009 4:16:36 PM
KiwiElf$25.00$25.0012/29/2009 4:16:14 PM
restless-currency$25.00$25.0012/29/2009 4:16:41 PM
p2ploan-leaper$50.00$50.0012/29/2009 4:16:33 PM
microlendblvr$150.00$150.0012/29/2009 4:16:58 PM
RICHMONDREB$25.00$25.0012/29/2009 4:17:01 PM
contract-voltage$25.00$25.0012/29/2009 4:16:43 PM
aventurer$25.00$25.0012/29/2009 4:17:27 PM
Prosp_Lender$25.00$25.0012/29/2009 4:17:09 PM
kanemochi$25.00$25.0012/29/2009 4:17:12 PM
bmkenn$50.00$50.0012/29/2009 4:17:21 PM
okkman$25.00$25.0012/29/2009 4:17:34 PM
UT-Longhorn$25.00$25.0012/29/2009 4:17:52 PM
serpentine$50.00$50.0012/29/2009 4:17:47 PM
peso-colonel$25.00$25.0012/29/2009 4:18:02 PM
18th_beachbum$25.00$25.0012/29/2009 4:17:55 PM
PocketAces$25.00$25.0012/29/2009 4:18:08 PM
triumph329$25.00$25.0012/29/2009 4:18:00 PM
The-CAPS-fan$30.00$30.0012/29/2009 4:18:11 PM
puifais$25.00$25.0012/29/2009 4:18:03 PM
Interstate_Rate$500.00$425.6912/29/2009 4:18:12 PM
Syzygy$25.00$25.0012/30/2009 4:26:26 PM
wonderous-power$25.00$25.0012/31/2009 6:17:50 AM
balance-chestnut$40.39$40.3912/31/2009 7:46:28 AM
exchange-cowbell5$100.00$100.0012/31/2009 10:45:58 AM
MrSolution$50.00$50.0012/31/2009 11:57:27 AM
heerzaquestion$25.00$25.001/1/2010 5:24:00 AM
Dollars4Rent$25.00$25.001/1/2010 5:09:43 PM
durability-halibut$25.00$25.001/1/2010 11:18:42 AM
BOZO88$25.00$25.001/1/2010 7:05:00 PM
mburke3434$25.00$25.001/3/2010 11:42:36 PM
rmpedi33$150.00$150.001/4/2010 7:37:27 AM
ommuruga$50.00$50.001/4/2010 7:35:52 PM
scientists$25.00$25.001/5/2010 10:00:09 AM
LendingSingularity$25.00$25.001/4/2010 10:30:03 PM
golffish2$100.00$100.001/5/2010 6:02:24 AM
blindtaxidriver$25.00$25.001/5/2010 12:03:47 PM
malmoswed1$50.00$50.001/5/2010 12:21:57 PM
lender124$25.00$25.001/5/2010 1:32:42 PM
kf88$25.00$25.001/5/2010 1:33:51 PM
GABC-1$50.00$50.001/5/2010 8:47:50 AM
Iamatlast$50.00$50.001/5/2010 9:21:24 AM
squarebob$25.00$25.001/5/2010 3:27:15 PM
impartial-deal$25.00$25.001/5/2010 3:43:00 PM
Socorro_Capital_Partners$25.00$25.001/5/2010 12:45:35 PM
truth-fanatic$25.11$25.111/5/2010 3:33:05 PM
327 bids
 
Borrower Payment Dependent Notes Series 440337
This series of Notes was issued and sold upon the funding of the borrower loan #40343, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,750.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Dec-30-2009 
  Auction end date:  Jan-06-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $124.40
Final lender yield: 32.00% Final borrower rate/APR: 33.00% / 35.42% Final monthly payment: $121.31
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 16.17%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented 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.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1996 Debt/Income ratio: 30%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 37Length of status:3y 4m
Amount delinquent: $269 Revolving credit balance: $6,513 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 78%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Ak06max Borrower's state: Illinois Borrower's group: Brighter Financial Future
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 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,200.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
580-599 (Mar-2008)
560-579 (Aug-2007)
 
Principal balance: $1,503.87 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Debt Elimination for good
Purpose of loan:
Eliminate all Credit Card debt to acheive my goals ?

My financial situation:
I am a good candidate for this loan because I m a current Prosper loan holder never been late on payments in fact a couple months ahead. The only negative marks on my credit history is due to a previous engagement that went south. Debt went up due to wedding planning and a apartment discrepancy that is currently being investigated and disputed.My credit card payments have always been on time but minimums dont bring down the balances . This will be a great move forward for me due to the way Prosper works its automatically deducted from my checking worry free and headache free? The loan will repay as follows 1500 Merrick Bank Credit Card.,768 Target Card, and 525 Capital one. My credit is important to me this will help me fix the mistakes I once made for good and on the road to financial freedom. My next steps are purchasing a home without outstanding credit card balances it will save me money from financing charges almost 6-8% from what my real estate agent told me.? ? ? ? ? ? ? ?

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 720
??Utilities: $ 0
??Phone, cable, internet: $ 110
??Food, entertainment: $ 80
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 375
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain your deliquencies and public record. - loss-of-control
A: The deliquencies are a apartment lease that is currently under investigation through experian. THe other is a parking ticket in Chicago that went to collections that I never received thats recent. Public Record is a BK I was young and dumb when this evolved didnt manage my money correctly its a series of mistakes that Im currently correcting. (Jan-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flexible-economy2$150.00$150.0012/30/2009 4:29:22 PM
exchange-cowbell5$150.00$150.0012/30/2009 4:32:35 PM
GUIDOLANDIA$25.00$25.0012/31/2009 8:10:54 AM
tomas090$25.00$25.001/4/2010 8:38:57 AM
IASKGOD$25.00$25.001/4/2010 5:59:38 PM
admirable-credit$25.00$25.001/4/2010 4:41:11 PM
gsd$25.00$25.001/5/2010 4:18:55 PM
sunshinysmiles$25.00$25.001/5/2010 5:58:43 PM
eccles$25.00$25.001/5/2010 6:18:17 PM
TheLightInMe$39.42$39.421/5/2010 11:47:46 PM
winmals$25.00$25.001/6/2010 8:41:59 AM
dunrizzo$36.08$36.081/5/2010 6:09:41 PM
Kash2010lu$25.00$25.001/5/2010 6:14:34 PM
DenimCapital$50.00$50.001/5/2010 6:24:29 PM
beach_bum$25.00$25.001/5/2010 6:50:52 PM
dorypro$25.00$25.001/6/2010 11:26:16 AM
Leshan$41.66$41.661/6/2010 12:06:28 PM
asian808$25.00$25.001/6/2010 1:21:32 PM
enriched-truth$100.00$100.001/6/2010 8:39:34 AM
Toystore$50.00$50.001/6/2010 8:53:26 AM
bold-dynamic-silver$25.00$25.001/6/2010 9:29:39 AM
bonafide-commitment2$25.00$25.001/6/2010 3:38:56 PM
eronyc$25.00$25.001/6/2010 10:41:25 AM
hptcrabbers$25.00$25.001/6/2010 12:01:07 PM
Bobusa$25.00$25.001/6/2010 1:23:06 PM
orange-happy-dinero$50.00$50.001/6/2010 1:38:40 PM
tshurts$50.00$50.001/6/2010 2:10:37 PM
lend42013$31.91$31.911/6/2010 1:32:20 PM
serene-capital$25.00$25.001/6/2010 3:45:56 PM
nurat$35.14$35.141/6/2010 2:53:46 PM
bobd32$25.00$25.001/6/2010 3:43:27 PM
responsible-worth113$50.00$50.001/6/2010 3:54:02 PM
SolarMoonshine$25.00$25.0012/30/2009 6:56:38 PM
Aberdeen$193.31$193.3112/31/2009 2:25:15 PM
b1geasy$28.26$28.2612/31/2009 5:11:57 PM
Bob450$25.00$25.001/1/2010 10:08:37 AM
what_goes_around$25.00$25.001/2/2010 5:47:16 AM
chameleon125$50.00$50.001/3/2010 3:31:26 PM
Happy-Man$25.00$25.001/5/2010 9:14:10 AM
Skeptical-one$150.00$119.101/5/2010 4:29:14 PM
Tono$25.00$25.001/5/2010 5:57:49 PM
Laxa$25.00$25.001/5/2010 6:27:15 PM
realtormoises$25.00$25.001/6/2010 8:12:22 AM
DasMula$50.00$50.001/6/2010 8:19:26 AM
VBPlayer$30.00$30.001/6/2010 8:36:41 AM
five-star-note$115.00$115.001/6/2010 9:49:29 AM
Satur$50.00$50.001/5/2010 5:07:34 PM
deepblue34$35.00$35.001/5/2010 7:25:57 PM
DonDiego$25.00$25.001/5/2010 9:09:47 PM
aha6297$98.00$98.001/6/2010 1:07:02 PM
brother_tam$100.00$100.001/5/2010 9:55:13 PM
onecooldrink$25.00$25.001/5/2010 10:54:45 PM
tomas090$25.00$25.001/6/2010 8:52:15 AM
generous-deal6$25.00$25.001/6/2010 3:26:53 PM
PotBellyPete$40.00$40.001/6/2010 9:59:05 AM
Capit0l$25.00$25.001/6/2010 11:27:20 AM
TicTac$25.00$25.001/6/2010 1:56:45 PM
icon7$30.00$30.001/6/2010 2:14:15 PM
NekHoldings$25.00$25.001/6/2010 3:25:25 PM
heritage_loans$25.00$25.001/6/2010 3:00:08 PM
bondhedger$25.00$25.001/6/2010 3:21:55 PM
JiggaJoeyS$77.12$77.121/6/2010 3:52:20 PM
responsible-worth113$25.00$25.001/6/2010 3:55:11 PM
63 bids