Sales Report:Supplement No. 120 dated Jan 21, 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 394686
This series of Notes was issued and sold upon the funding of the borrower loan #40466, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jan-08-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $139.98
Final lender yield: 6.45% Final borrower rate/APR: 7.45% / 7.79% Final monthly payment: $139.87
 
Auction yield range: 3.06% - 6.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 4.95%  
<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: 9 First credit line: Feb-1996 Debt/Income ratio: 18%
Credit score: 840-859 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:3y 8m
Amount delinquent: $0 Revolving credit balance: $1,258 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: mangas Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion
Purpose of LoanLate last year I opened an online hobby shop. I initially started selling on eBay. However, it is very expensive to sell on eBay. I consequently started to build an online store at www.prorchobbies.com. Sales from the store produce a 20% profit margin versus 4% at eBay for the same product. My store is up and running but with a very limited selection of products. It also has had limited traffic as I have not yet had time and/or funds to effectively market the site. I am looking for a loan to help me build out my website with a full line of radio control cars, trucks, parts, accessories and tools.

Qualifications
I started working with online marketing in 2000. I have a good knowledge of what it takes to drive traffic to a website. I have thoroughly researched my market and believe there is plenty of opportunity in the R/C market. One of my hobbies as a youth was radio control cars so I understand and have experience with my market. I have a master?s degree in business and almost 10 years experience as a business professional. I am excited about this opportunity and looking forward to developing this business.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is your current source of income? - Grandmahoneybee
A: I work full-time as a senior financial analyst for a financial services company. (Jan-11-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
selector568$500.00$500.001/8/2010 4:37:13 PM
microlendblvr$100.00$100.001/8/2010 4:40:54 PM
skillful-diversification2$25.00$25.001/8/2010 4:41:15 PM
18th_beachbum$50.00$50.001/8/2010 4:41:19 PM
personal-lender$25.00$25.001/8/2010 4:41:30 PM
gold-commander0$50.00$50.001/8/2010 4:41:44 PM
intrepid-transaction5$25.00$25.001/8/2010 4:41:48 PM
elasermd$50.00$50.001/8/2010 4:40:20 PM
inspired-contract9$50.00$50.001/8/2010 4:42:24 PM
meenan$40.00$40.001/8/2010 4:40:47 PM
BankOfFrankFairness$50.00$50.001/8/2010 4:42:50 PM
ven$25.00$25.001/8/2010 4:43:29 PM
DonaldColorado$25.00$25.001/8/2010 4:41:39 PM
discrete-asset$25.00$25.001/8/2010 4:43:38 PM
buckyhead2000$25.00$25.001/8/2010 4:43:50 PM
red-favorable-basis$25.00$25.001/8/2010 4:43:55 PM
time4aloan$25.00$25.001/8/2010 4:40:28 PM
elegant-income3$25.00$25.001/8/2010 4:44:12 PM
unk1911$25.00$25.001/8/2010 4:40:36 PM
exciting-responsibility3$25.00$25.001/8/2010 4:41:59 PM
tolstoy00$25.00$25.001/8/2010 4:42:08 PM
jbaum$100.00$100.001/8/2010 4:41:08 PM
figs4u2$80.00$80.001/8/2010 4:42:15 PM
gulch$35.00$35.001/8/2010 4:42:32 PM
leodaguy$25.00$25.001/8/2010 4:42:38 PM
the_winning_ticket$35.00$35.001/8/2010 4:42:42 PM
natmonkey$25.00$25.001/8/2010 4:43:09 PM
rjsdsu$25.00$25.001/8/2010 4:46:27 PM
meux99$25.00$25.001/8/2010 4:43:47 PM
Katburg$50.00$50.001/8/2010 4:42:28 PM
DukSerduk$25.00$25.001/8/2010 4:43:57 PM
market-builder$25.00$25.001/8/2010 4:44:16 PM
AF-Chief$35.00$35.001/8/2010 4:42:57 PM
supreme-hope$25.00$25.001/8/2010 4:44:36 PM
platinum-czar$50.00$50.001/8/2010 4:44:39 PM
wampum-optimization$50.00$50.001/8/2010 4:43:22 PM
grampy48$25.00$25.001/8/2010 4:45:02 PM
forthright-dedication$25.00$25.001/8/2010 4:45:30 PM
desertoasis$25.00$25.001/8/2010 4:45:26 PM
nuclearmoose$25.00$3.001/8/2010 4:45:32 PM
swiftsoul$25.00$25.001/8/2010 5:02:15 PM
blot44$50.00$50.001/8/2010 5:34:12 PM
springpanda$25.00$25.001/8/2010 11:11:09 PM
manugee$50.00$50.001/9/2010 6:16:24 AM
tsmonaghan$40.00$40.001/9/2010 8:35:19 AM
vine99$120.00$120.001/9/2010 8:59:16 AM
octoberfresh$25.00$25.001/11/2010 12:37:52 PM
dime-neutron$25.00$25.001/11/2010 5:00:38 PM
hellasow$25.00$25.001/12/2010 12:45:05 AM
Dollars4Rent$25.00$25.001/12/2010 7:32:30 AM
majestic-dedication$50.00$50.001/8/2010 4:41:02 PM
lloyd_s$25.00$25.001/8/2010 4:41:26 PM
first-upright-payout$50.00$50.001/8/2010 4:41:37 PM
junctionking$25.00$25.001/8/2010 4:41:46 PM
credit-force5$25.00$25.001/8/2010 4:41:50 PM
fortytwo$200.00$200.001/8/2010 4:40:14 PM
kulender$30.00$30.001/8/2010 4:42:02 PM
bchen78875$50.00$50.001/8/2010 4:42:17 PM
thedoctor$90.00$90.001/8/2010 4:40:41 PM
larrybird$100.00$100.001/8/2010 4:40:56 PM
toblerone$50.00$50.001/8/2010 4:43:19 PM
outtahoth2o$100.00$100.001/8/2010 4:43:26 PM
rooosta$25.00$25.001/8/2010 4:43:32 PM
rjblack$50.00$50.001/8/2010 4:40:08 PM
teller$60.00$60.001/8/2010 4:43:35 PM
Cheburashka$30.00$30.001/8/2010 4:43:54 PM
alpinaut$25.00$25.001/8/2010 4:44:06 PM
friendly-market5$25.00$25.001/8/2010 4:40:32 PM
delicious-social132$25.00$25.001/8/2010 4:44:20 PM
bowdish1$100.00$100.001/8/2010 4:44:26 PM
Gibbyland$100.00$100.001/8/2010 4:42:07 PM
responsibility-butterfly$25.00$25.001/8/2010 4:42:11 PM
honorable-yield$75.00$75.001/8/2010 4:41:04 PM
rulender$50.00$50.001/8/2010 4:45:19 PM
mikeandcat$100.00$100.001/8/2010 4:42:47 PM
buukyak$25.00$25.001/8/2010 4:43:12 PM
Walkingcowboy$25.00$25.001/8/2010 4:42:46 PM
Kaj$30.00$30.001/8/2010 4:42:55 PM
Phantom99$25.00$25.001/8/2010 4:44:22 PM
shamrocker$25.00$25.001/8/2010 4:43:00 PM
oreyedoc$25.00$25.001/8/2010 4:44:40 PM
Goodlender42$25.00$25.001/8/2010 4:43:24 PM
SNH$50.00$50.001/8/2010 4:44:49 PM
schpere$30.00$30.001/8/2010 4:43:45 PM
inventive-wealth2$25.00$25.001/8/2010 4:44:56 PM
Cai8899$75.00$75.001/8/2010 4:43:48 PM
InvestorPartners$25.00$25.001/8/2010 4:45:01 PM
repayment-launcher$25.00$25.001/8/2010 4:45:11 PM
OCedHrt$25.00$25.001/8/2010 4:44:18 PM
turbospeed$25.00$25.001/8/2010 4:59:36 PM
PBanker$25.00$25.001/8/2010 5:02:17 PM
worth-victor6$25.00$25.001/9/2010 6:48:28 AM
freetolive$25.00$25.001/8/2010 8:10:11 PM
TJ-Financial-Group$40.00$40.001/8/2010 11:10:34 PM
EmeritusX$25.00$25.001/10/2010 11:51:37 AM
PalmerTheEmbalmer$25.00$25.001/10/2010 9:51:22 PM
wonderous-power$25.00$25.001/11/2010 12:29:48 AM
orbital-transparency$25.00$25.001/11/2010 10:27:59 AM
Castelj$27.00$27.001/11/2010 1:28:37 PM
99 bids
 
Borrower Payment Dependent Notes Series 440754
This series of Notes was issued and sold upon the funding of the borrower loan #40483, 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:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $63.04
Final lender yield: 7.19% Final borrower rate/APR: 8.19% / 10.27% Final monthly payment: $62.85
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.08%  
<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: Sep-1990 Debt/Income ratio: 8%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $5,417 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 21%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: return-genome7 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my credit card debt acquired during the purchase of my first home.

My financial situation:
I am a good candidate for this loan because I have been steadily employed at the same company for almost ten years with pretty much no threat of being laid off.? I always pay my bills on time and have never balked on any 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: Does your spouse work? Is there other household income? - marala4285
A: Yes, my girlfriend shares the house with me and she makes roughly $30,000 a year. (Jan-07-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
EmeritusX$25.00$25.001/4/2010 10:05:28 AM
amit_gu$100.00$100.001/5/2010 9:54:17 AM
wonderous-power$25.00$25.001/5/2010 5:17:06 AM
Chad2Help$25.00$25.001/5/2010 4:09:21 AM
JohnSmith10$50.00$50.001/5/2010 9:26:04 PM
lm150$25.00$25.001/6/2010 1:11:39 PM
DADOF1$25.00$25.001/6/2010 1:30:05 PM
admirable-credit$25.00$25.001/6/2010 4:19:02 PM
RandyL3$25.00$25.001/7/2010 4:35:37 PM
Toony$25.00$25.001/7/2010 6:19:28 PM
HealthAndSafety$100.00$100.001/7/2010 8:15:45 PM
JerryB96$25.00$25.001/7/2010 9:58:46 PM
Lender0307$50.00$50.001/8/2010 9:53:07 AM
Robbdogg$25.00$25.001/8/2010 10:18:00 AM
kf88$25.00$25.001/8/2010 1:27:34 PM
marala4285$25.00$25.001/8/2010 1:33:22 PM
wildanne$100.00$100.001/9/2010 11:21:28 AM
Oak-Parker$25.00$25.001/9/2010 9:46:57 PM
drummerdad$25.00$25.001/10/2010 12:06:29 PM
mojii77$25.00$25.001/10/2010 9:05:12 AM
Spiv_51$25.00$25.001/10/2010 12:40:49 PM
brightest-economy-tsunami$30.00$30.001/10/2010 11:40:15 PM
wwwUniversal$25.00$25.001/11/2010 7:55:45 AM
wise-balanced-moola$25.00$20.001/11/2010 8:01:56 AM
mhotchan$100.00$100.001/11/2010 8:46:04 AM
exchange-cowbell5$200.00$200.001/11/2010 8:57:13 AM
StocksMan$50.00$50.001/11/2010 9:21:15 AM
the-profit-oracle$25.00$25.001/4/2010 1:57:12 PM
PalmerTheEmbalmer$25.00$25.001/4/2010 9:08:21 PM
Pickmar$25.00$25.001/5/2010 1:33:28 PM
beachfunder$25.00$25.001/5/2010 11:03:18 AM
rome1426$25.00$25.001/6/2010 11:17:07 AM
springpanda$25.00$25.001/6/2010 11:21:29 AM
fantasysports$25.00$25.001/6/2010 5:32:17 PM
woolfarm$50.00$50.001/7/2010 3:37:08 PM
Cherrypicker$50.00$50.001/7/2010 4:28:53 PM
sgmm330$25.00$25.001/7/2010 7:08:56 PM
mchoops21$25.00$25.001/8/2010 1:36:15 AM
BankofBeth$25.00$25.001/8/2010 11:03:29 AM
marwadi-62$200.00$200.001/8/2010 1:53:24 PM
dontscrewmeover1$50.00$50.001/8/2010 6:07:30 PM
jybank$25.00$25.001/9/2010 9:52:41 PM
bossyboots01$25.00$25.001/11/2010 3:41:05 AM
wild-orange$25.00$25.001/11/2010 6:58:08 AM
mhotchan$100.00$100.001/11/2010 8:45:19 AM
45 bids
 
Borrower Payment Dependent Notes Series 440906
This series of Notes was issued and sold upon the funding of the borrower loan #40464, 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:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $82.08
Final lender yield: 25.35% Final borrower rate/APR: 26.35% / 28.68% Final monthly payment: $80.95
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.72%  
<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: 7 First credit line: Oct-1972 Debt/Income ratio: 36%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:17y 0m
Amount delinquent: $0 Revolving credit balance: $7,697 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 3    
Screen name: truth-supporter1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Upgrade to audio rental property
Purpose of loan:
This loan will be used to?
purchase speakers to complete contracted work in janurary and february.
My financial situation:
I am a good candidate for this loan because?
Old speakers were sold off during the slow fall and early winter. Now I have the contracts but need the equipment to finish the jobs properly.
I will easily be able to pay this loan in full by the end of this february
??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)
charming-point$300.00$300.001/4/2010 7:05:36 PM
Bob450$25.00$25.001/4/2010 10:08:49 PM
yield-hero4$50.00$50.001/8/2010 9:58:28 AM
leverage-monger$25.00$25.001/9/2010 9:22:48 AM
red-ready-principal$83.11$83.111/9/2010 5:27:38 PM
Techne_Funds_LLC$25.00$25.001/9/2010 7:58:18 PM
bdr0011$25.40$25.401/9/2010 5:43:09 PM
dorypro$25.00$25.001/10/2010 8:07:23 AM
wild-orange$25.00$25.001/11/2010 7:01:32 AM
Leshan$25.00$25.001/11/2010 7:50:42 AM
Capit0l$25.00$25.001/11/2010 6:55:32 AM
skillful-asset5$75.00$75.001/11/2010 8:54:01 AM
realtormoises$25.00$25.001/11/2010 9:31:33 AM
PeacefulFlorida$35.57$35.571/11/2010 10:43:16 AM
farchoir$25.00$25.001/11/2010 10:46:17 AM
cedar_rose$25.00$25.001/11/2010 11:11:37 AM
hamster$26.97$26.971/11/2010 10:13:32 AM
jybank$25.00$25.001/11/2010 10:40:39 AM
westernson$25.00$25.001/11/2010 12:12:11 PM
piter-to-la-investment$25.00$25.001/11/2010 12:12:53 PM
The-CAPS-fan$50.00$50.001/11/2010 12:30:23 PM
Grandmahoneybee$50.00$50.001/11/2010 1:11:58 PM
Approved$25.00$25.001/11/2010 3:43:13 PM
patriot384$50.00$50.001/11/2010 3:16:22 PM
beemersdad$25.00$25.001/11/2010 3:56:34 PM
Engineer44$25.00$25.001/11/2010 4:01:42 PM
leverage-monger$25.00$25.001/11/2010 3:58:45 PM
wwwUniversal$25.00$25.001/4/2010 4:29:25 PM
dollardave$37.50$37.501/4/2010 4:41:42 PM
exchange-cowbell5$150.00$78.801/4/2010 4:39:35 PM
unger$50.00$50.001/5/2010 3:08:25 AM
JustMee$25.00$25.001/5/2010 8:05:22 AM
foothillender$25.00$25.001/5/2010 7:44:27 AM
TicTac$25.00$25.001/6/2010 2:16:22 PM
UCLA4life$25.00$25.001/7/2010 12:51:28 PM
honorable-yield$35.00$35.001/7/2010 9:10:13 AM
tashara$25.00$25.001/7/2010 1:08:59 PM
walkinonwater$25.00$25.001/8/2010 4:44:24 PM
intuitive-bill$25.00$25.001/9/2010 3:38:55 PM
a-finance-nirvana$25.00$25.001/10/2010 5:51:35 AM
fund-dragster$25.00$25.001/10/2010 3:43:25 PM
LenderExtraordinaire$25.00$25.001/10/2010 5:24:52 PM
onecooldrink$25.00$25.001/10/2010 12:36:58 PM
myGodisgood$25.00$25.001/10/2010 8:09:56 PM
credit-sasquatch3$25.00$25.001/11/2010 9:42:34 AM
jhernand17$25.00$25.001/11/2010 10:21:13 AM
IASKGOD$25.00$25.001/11/2010 11:27:19 AM
IFGINVEST$27.65$27.651/11/2010 11:05:11 AM
bondo41$25.00$25.001/11/2010 10:10:54 AM
Catz_aplenty$25.00$25.001/11/2010 12:16:28 PM
Crom$25.00$25.001/11/2010 1:07:24 PM
wild-orange$25.00$25.001/11/2010 2:36:39 PM
zone6$100.00$100.001/11/2010 3:55:21 PM
53 bids
 
Borrower Payment Dependent Notes Series 441002
This series of Notes was issued and sold upon the funding of the borrower loan #40495, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,900.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $185.98
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $185.84
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
<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: Aug-1984 Debt/Income ratio: 30%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $16,464 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 38%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Swish3pts Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
700-719 (Jun-2008)
680-699 (May-2008)
 
Principal balance: $645.08 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Cutting up some Credit Cards
I just withdrew a loan request to remodel our bathroom that funded 100%?but my wife and I decided that paying off some high interest bills makes more sense.??Those should come first.? I want to thank everyone that bidded before.? We will save so much more by doing this and putting off the bathroom for another year.? We will save interest that can be put toward the bathroom expenses if we consolidate?some credit cards that run about 22%.?

I am good for this loan due to I pay all of my bills on time.? As you can see that with my current loan thru Prosper.? My wife and I both have secure jobs and I have been on my job for 5 years with Sony and my wife has been on her job for 8 years.? It is very important to us to always pay our bills on time and some we pay off early when we get the chance.? Thank you so much.

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)
rjblack$50.00$50.001/5/2010 4:30:36 PM
the-bright-velocity$25.00$25.001/5/2010 4:31:13 PM
wormdc$25.00$25.001/5/2010 4:21:38 PM
klinebarger$25.00$25.001/5/2010 4:39:13 PM
majestic-dedication$50.00$50.001/5/2010 4:39:43 PM
Carpetkid$50.00$50.001/5/2010 4:40:08 PM
18th_beachbum$25.00$25.001/5/2010 4:40:20 PM
Havana21$200.00$200.001/5/2010 4:40:43 PM
orange-courageous-dedication$40.00$40.001/5/2010 4:40:46 PM
DonaldColorado$25.00$25.001/5/2010 4:40:48 PM
junctionking$25.00$25.001/5/2010 4:41:02 PM
intrepid-transaction5$25.00$25.001/5/2010 4:41:07 PM
handy-justice$25.00$25.001/5/2010 4:41:32 PM
Gibbyland$100.00$100.001/5/2010 4:41:40 PM
gulch$35.00$35.001/5/2010 4:42:34 PM
BoutYeBank$50.00$50.001/5/2010 4:30:31 PM
BankOfFrankFairness$50.00$50.001/5/2010 4:42:52 PM
Jassi$25.00$25.001/5/2010 4:43:23 PM
kaykarun$50.00$50.001/5/2010 4:43:33 PM
Artist_Blue$25.00$25.001/5/2010 4:43:52 PM
flwah$25.00$25.001/5/2010 4:44:06 PM
the-money-gargantuan$25.00$25.001/5/2010 4:30:52 PM
visionary-currency$100.00$100.001/5/2010 4:31:34 PM
time4aloan$25.00$25.001/5/2010 4:38:30 PM
meenan$40.00$40.001/5/2010 4:39:27 PM
friendly-market5$25.00$25.001/5/2010 4:39:10 PM
microlendblvr$100.00$100.001/5/2010 4:39:31 PM
honorable-yield$75.00$75.001/5/2010 4:39:55 PM
the_winning_ticket$35.00$35.001/5/2010 4:42:40 PM
Picopie$50.00$50.001/5/2010 4:40:05 PM
Attract$25.00$25.001/5/2010 4:42:45 PM
mikeandcat$100.00$100.001/5/2010 4:42:50 PM
forthright-social$25.00$25.001/5/2010 4:43:01 PM
shamrocker$25.00$25.001/5/2010 4:43:06 PM
platinum-sorcerer6$25.00$25.001/5/2010 4:43:16 PM
Goodlender42$25.00$25.001/5/2010 4:43:40 PM
outtahoth2o$100.00$100.001/5/2010 4:43:46 PM
responsibility-butterfly$25.00$25.001/5/2010 4:42:09 PM
Katburg$50.00$50.001/5/2010 4:42:28 PM
Cheburashka$30.00$30.001/5/2010 4:44:35 PM
cash-boots$25.00$25.001/5/2010 4:43:10 PM
market-builder$25.00$25.001/5/2010 4:44:54 PM
natmonkey$25.00$25.001/5/2010 4:43:14 PM
forthright-dedication$25.00$4.841/5/2010 4:45:00 PM
skvat$25.00$25.001/5/2010 4:43:39 PM
ven$25.00$25.001/5/2010 4:43:56 PM
Syzygy$25.00$25.001/6/2010 9:15:55 AM
springpanda$25.00$25.001/6/2010 11:56:10 AM
bordersguy$35.00$35.001/7/2010 6:13:21 AM
agreement-bunny$25.00$25.001/7/2010 8:44:09 PM
LenderCB$50.00$50.001/8/2010 6:07:18 PM
crdcteng$25.00$25.001/9/2010 9:15:15 AM
wwwUniversal$25.00$25.001/10/2010 7:58:16 AM
Ven58$25.00$25.001/11/2010 11:05:03 AM
wise-balanced-moola$25.00$25.001/11/2010 10:15:17 AM
Patrician$100.00$100.001/11/2010 1:04:22 PM
best-generosity-financier$25.00$25.001/11/2010 4:19:54 PM
jybank$25.00$25.001/11/2010 4:30:30 PM
tryitout$55.95$55.951/11/2010 4:59:01 PM
RandyL3$25.00$25.001/11/2010 5:23:07 PM
caseattle$25.00$25.001/11/2010 9:05:42 PM
bossyboots01$25.00$25.001/12/2010 3:17:29 AM
TBCapitol$41.05$41.051/12/2010 4:40:19 AM
UCSBGAUCHOS$25.00$25.001/12/2010 1:19:38 PM
bankojerry$25.00$25.001/12/2010 3:49:17 PM
coolgenner$25.00$25.001/12/2010 3:37:35 PM
sh71$25.00$25.001/5/2010 4:31:25 PM
kenji4861$25.00$25.001/5/2010 4:32:43 PM
neenerman$75.00$75.001/5/2010 4:39:02 PM
Banker7371$25.00$25.001/5/2010 4:39:35 PM
larrybird$100.00$100.001/5/2010 4:39:37 PM
aventurer$25.00$25.001/5/2010 4:39:46 PM
greenwell$50.00$50.001/5/2010 4:39:58 PM
elevated-platinum5$25.00$25.001/5/2010 4:40:23 PM
gold-commander0$50.00$50.001/5/2010 4:40:53 PM
exciting-responsibility3$25.00$25.001/5/2010 4:41:21 PM
kulender$30.00$30.001/5/2010 4:41:29 PM
tolstoy00$25.00$25.001/5/2010 4:41:55 PM
figs4u2$80.00$80.001/5/2010 4:42:15 PM
leodaguy$25.00$25.001/5/2010 4:42:37 PM
fortytwo$200.00$200.001/5/2010 4:31:28 PM
rooosta$25.00$25.001/5/2010 4:44:03 PM
teller$60.00$60.001/5/2010 4:44:09 PM
head$25.00$25.001/5/2010 4:44:13 PM
Cai8899$75.00$75.001/5/2010 4:44:21 PM
buckyhead2000$25.00$25.001/5/2010 4:44:25 PM
Rob717171$25.00$25.001/5/2010 4:32:34 PM
credit-investor5$100.00$100.001/5/2010 4:44:40 PM
skuba$50.00$50.001/5/2010 4:44:55 PM
aasx1108$25.00$25.001/5/2010 4:30:30 PM
huorn$25.00$25.001/5/2010 4:31:18 PM
first-pragmatic-note$25.00$25.001/5/2010 4:32:47 PM
elasermd$50.00$50.001/5/2010 4:38:08 PM
thedoctor$90.00$90.001/5/2010 4:39:21 PM
lloyd_s$25.00$25.001/5/2010 4:40:27 PM
Binan$25.00$25.001/5/2010 4:38:23 PM
StrongMoney$25.00$25.001/5/2010 4:41:44 PM
unk1911$25.00$25.001/5/2010 4:39:16 PM
auction-elvis$25.00$25.001/5/2010 4:42:11 PM
AmericanCredit$25.00$25.001/5/2010 4:39:54 PM
Walkingcowboy$25.00$25.001/5/2010 4:42:49 PM
jbaum$100.00$100.001/5/2010 4:40:12 PM
skillful-diversification2$25.00$25.001/5/2010 4:40:17 PM
Kaj$30.00$30.001/5/2010 4:42:57 PM
personal-lender$25.00$25.001/5/2010 4:40:29 PM
first-upright-payout$50.00$50.001/5/2010 4:40:37 PM
AF-Chief$35.00$35.001/5/2010 4:43:05 PM
buukyak$25.00$25.001/5/2010 4:43:17 PM
toblerone$25.00$25.001/5/2010 4:43:22 PM
credit-force5$25.00$25.001/5/2010 4:41:11 PM
wampum-optimization$50.00$50.001/5/2010 4:43:32 PM
Purposeful$50.00$50.001/5/2010 4:43:51 PM
jjswanso$25.00$25.001/5/2010 4:41:37 PM
wiselady$25.00$25.001/5/2010 4:43:59 PM
discrete-asset$25.00$25.001/5/2010 4:44:10 PM
schpere$30.00$30.001/5/2010 4:44:18 PM
bchen78875$50.00$50.001/5/2010 4:42:16 PM
meux99$25.00$25.001/5/2010 4:44:20 PM
inspired-contract9$50.00$50.001/5/2010 4:42:24 PM
red-favorable-basis$25.00$25.001/5/2010 4:44:37 PM
DukSerduk$25.00$25.001/5/2010 4:44:43 PM
alpinaut$25.00$25.001/5/2010 4:44:48 PM
JJS180$25.00$25.001/5/2010 4:44:29 PM
elegant-income3$25.00$25.001/5/2010 4:44:51 PM
G-Love$93.16$93.161/5/2010 7:59:21 PM
gojackgo$100.00$100.001/7/2010 11:17:33 AM
RandyL3$25.00$25.001/8/2010 4:11:08 PM
LittleMingo$25.00$25.001/9/2010 3:09:41 AM
Boinky00$30.00$30.001/9/2010 7:56:06 AM
EliteCapital$25.00$25.001/9/2010 4:12:11 PM
marala4285$25.00$25.001/10/2010 8:16:40 PM
admirable-credit$25.00$25.001/11/2010 9:53:24 AM
evamkir$25.00$25.001/11/2010 12:37:16 PM
kf88$25.00$25.001/11/2010 1:04:20 PM
dhallii$30.00$30.001/11/2010 4:48:55 PM
JerryB96$25.00$25.001/11/2010 5:47:37 PM
Richmp412$25.00$25.001/11/2010 6:00:37 PM
BURNERA_1$150.00$150.001/12/2010 5:03:31 AM
phchristensen$50.00$50.001/12/2010 2:21:51 AM
kander80$25.00$25.001/12/2010 9:25:03 AM
selo80$25.00$25.001/12/2010 10:09:35 AM
booie$25.00$25.001/12/2010 9:36:10 AM
friendinmoney$50.00$50.001/12/2010 9:37:44 AM
frankandirene$25.00$25.001/12/2010 12:33:12 PM
thebadpelican$25.00$25.001/12/2010 1:15:43 PM
the-profit-oracle$25.00$25.001/12/2010 3:14:44 PM
Approved$25.00$25.001/12/2010 4:18:32 PM
147 bids
 
Borrower Payment Dependent Notes Series 441196
This series of Notes was issued and sold upon the funding of the borrower loan #40475, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 9.12% Starting borrower rate/APR: 10.12% / 10.47% Starting monthly payment: $161.62
Final lender yield: 8.75% Final borrower rate/APR: 9.75% / 10.09% Final monthly payment: $160.75
 
Auction yield range: 3.20% - 9.12% Estimated loss impact: 0.61%  
Lender servicing fee: 1.00% Estimated return: 8.14%  
<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-1997 Debt/Income ratio: 3%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $70,649 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Crom Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Revolution in fishing maps
Purpose of loan:
I provide anglers with access to an online fishing map service. This service is innovative and has been very well received. Our traffic is growing and we need additional short term funding to finalize a few new features for roll out in 2010. The new features will allow people to access our service from any mobile browser while also establishing their position in our map. Currently, people pay money for fishing maps of a limited area and with limited functionality. Because our service is online users can access data anywhere and do more with it. By offering them a mobile capability as well we can present a truly dynamic service which has several advantages over existing static products. This loan will also be used to increase the performance of the site as well as include more content.

My financial situation:
I am a good candidate for this loan because I've always paid my debts, have access to personal capital if needed to pay off the debt, and have several interested parties in the fishing industry looking to partner with us or invest in us as the economy improves. Also, our site has begun to generate advertising revenue and we are expecting that to grow over the next year. Plus, we are in a position to begin offering part of the site as a subscription which will generate yearly renewable income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Are you charting the underwater depths and countours of lakes? How will you market the product? - MoBucks
A: Hi, We are not charting the depth and contours. There is an ever growing source of this information on the web produced by different federal, state, conservation organizations. Anglers generally don't know that this data exists and it often exists in a format that is not easily recognizable or useful. We harvest it and put it in our map. We market a set of tools that make make this data easier to find and use, not the data itself. (Jan-07-2010)
Q: Could you please provide details of your monthly income/expenses? What is your current job in detail? Your C report shows a high CC utilization which may show us that you are having probs with cash flow...please explain. - Nasdaq
A: I currently bring home $5700 monthly with monthly expenses of $4000. The majority of my listed debt is in school loans, personal credit card debt is very limited. Professionally, I supply geospatial (i.e. digital mapping) consulting to federal and state agencies looking to maximize their use of location based information. The reason for the loan is to not rob my own personal savings or cut monthly living expenses too close. (Jan-08-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Syzygy$25.00$25.001/5/2010 4:45:37 PM
credit-coach118$25.00$25.001/5/2010 4:47:52 PM
cassidyauction$25.00$25.001/5/2010 4:52:38 PM
Okeey$25.00$25.001/5/2010 4:53:02 PM
a-shiny-dime$25.00$25.001/5/2010 4:55:38 PM
inforapenny$25.00$25.001/5/2010 4:41:24 PM
discrete-asset$25.00$25.001/5/2010 4:44:05 PM
CIC$25.00$25.001/6/2010 3:04:42 AM
saahilld$25.00$25.001/5/2010 4:51:53 PM
STLRacer$25.00$25.001/5/2010 4:52:04 PM
blot44$25.00$25.001/5/2010 5:35:25 PM
vinayski$25.00$25.001/5/2010 4:53:20 PM
cash-sensai2$25.00$25.001/5/2010 4:54:27 PM
zento$25.00$25.001/6/2010 11:23:52 AM
tomjac2000$50.00$50.001/6/2010 7:30:57 PM
building_community$25.00$25.001/6/2010 7:32:47 PM
BoCo$25.00$25.001/7/2010 10:13:04 AM
Guiren$90.87$90.871/7/2010 4:10:21 PM
Gar3field$50.00$50.001/7/2010 6:12:48 PM
IceFisherman$50.00$50.001/8/2010 9:42:58 AM
CK1$25.00$25.001/8/2010 6:30:38 PM
curious166$60.00$60.001/9/2010 1:06:24 AM
heroic-platinum$25.00$25.001/9/2010 12:03:34 AM
worth-victor6$25.00$25.001/9/2010 6:48:30 AM
Sealion$50.00$50.001/9/2010 11:55:07 AM
miniloan$25.00$25.001/10/2010 4:40:43 AM
OCLend$25.00$25.001/10/2010 11:49:26 AM
minista$25.00$25.001/11/2010 11:41:09 AM
calkidd05$65.00$65.001/11/2010 11:23:52 AM
Streamfeeder$25.00$25.001/11/2010 11:52:37 AM
Anacomical$31.30$31.301/11/2010 12:44:41 PM
octoberfresh$25.00$25.001/11/2010 12:36:21 PM
unfixer$25.00$25.001/11/2010 5:01:42 PM
the-silver-blaster$65.00$65.001/11/2010 5:05:32 PM
Traal$25.00$25.001/11/2010 5:24:17 PM
RandyL3$26.23$26.231/11/2010 5:25:25 PM
Onlyhappycustomers$25.00$25.001/11/2010 5:28:43 PM
SchaeferJ$25.00$25.001/11/2010 5:28:34 PM
jetblack$50.00$50.001/11/2010 5:32:07 PM
ManhattanLender$25.00$25.001/11/2010 5:29:26 PM
JerryB96$25.00$25.001/11/2010 6:01:04 PM
dollarboy$25.00$25.001/11/2010 8:57:48 PM
big_oaks$25.00$25.001/11/2010 9:02:30 PM
mcs99$100.00$100.001/11/2010 9:53:52 PM
Honor_Leadership$35.87$35.871/11/2010 10:36:26 PM
khamen$25.00$25.001/11/2010 11:25:54 PM
The-CAPS-fan$75.00$75.001/12/2010 6:01:15 AM
zbanker$30.00$30.001/12/2010 7:49:31 AM
cash-spinner$25.00$25.001/12/2010 10:13:03 AM
OoM$25.00$25.001/12/2010 10:19:21 AM
SanJoser$25.00$25.001/12/2010 10:04:11 AM
John_14_6$25.00$25.001/12/2010 10:30:50 AM
rmpedi33$150.00$150.001/12/2010 1:36:59 PM
G-Love$400.00$400.001/12/2010 2:23:04 PM
jehopper5$25.00$25.001/12/2010 1:14:35 PM
skillful-asset5$100.00$100.001/12/2010 3:14:21 PM
trumpeter5$100.00$100.001/12/2010 12:50:21 PM
squarebob$25.00$25.001/12/2010 3:41:26 PM
b1geasy$44.47$44.471/12/2010 3:07:04 PM
dreamhope$25.00$25.001/12/2010 3:52:42 PM
coolgenner$25.00$25.001/12/2010 3:35:58 PM
nickel-master$25.00$25.001/12/2010 4:07:40 PM
damage$25.00$25.001/5/2010 4:52:56 PM
dime-neutron$25.00$25.001/5/2010 4:41:17 PM
suburbanman64$30.00$30.001/5/2010 4:52:02 PM
rjsdsu$25.00$25.001/5/2010 4:48:00 PM
Shelby2082$25.00$25.001/5/2010 4:51:56 PM
swiftsoul$25.00$25.001/5/2010 4:52:20 PM
here2lend$25.00$25.001/5/2010 4:54:05 PM
gogrannygo$25.00$25.001/5/2010 9:38:38 PM
DHolly$25.00$25.001/6/2010 6:32:51 AM
hellasow$30.00$30.001/6/2010 1:31:33 PM
vine99$100.00$100.001/6/2010 9:12:57 PM
rpg$250.00$250.001/7/2010 11:23:29 AM
asset-caballero$25.00$25.001/7/2010 7:02:29 AM
ttnk62918$25.00$25.001/7/2010 10:20:01 AM
BlueProteus$25.00$25.001/7/2010 7:08:52 PM
Lotsofbears$25.00$25.001/7/2010 5:33:47 PM
philantist$25.00$25.001/8/2010 9:42:16 AM
Johnab$25.00$25.001/8/2010 11:31:52 AM
Nasdaq$25.00$25.001/8/2010 6:26:44 PM
adhawan325$25.00$25.001/9/2010 9:31:13 AM
squarebob$25.00$25.001/9/2010 4:39:24 PM
flshdaskll$25.00$25.001/10/2010 10:16:59 AM
currency-agave$25.00$25.001/10/2010 11:48:24 AM
helping-out$25.00$25.001/10/2010 11:54:27 AM
Rearden_Steel$25.00$25.001/11/2010 5:18:32 AM
ajk_blue$25.00$25.001/11/2010 11:48:06 AM
jybank$50.00$50.001/11/2010 11:52:56 AM
skillful-finance$25.00$25.001/11/2010 11:41:10 AM
plbquic$25.00$25.001/11/2010 1:16:35 PM
circustab$50.00$50.001/11/2010 2:54:38 PM
crafty$25.00$25.001/11/2010 3:36:13 PM
unrelenting-integrity$25.00$25.001/11/2010 4:31:25 PM
Joeburly$100.00$100.001/11/2010 4:32:01 PM
EmeritusX$25.00$25.001/11/2010 5:28:50 PM
jayk63$25.00$25.001/11/2010 5:49:48 PM
SS123$25.00$25.001/11/2010 6:37:19 PM
lucrative-loan$50.00$50.001/11/2010 7:49:45 PM
Svigel$25.00$25.001/11/2010 7:41:35 PM
phchristensen$50.00$50.001/12/2010 2:29:44 AM
chibear34$25.00$25.001/12/2010 2:33:13 AM
wonderous-power$25.00$25.001/12/2010 1:21:06 AM
Charmart$25.00$25.001/12/2010 2:55:21 AM
PalmerTheEmbalmer$25.00$25.001/12/2010 1:17:18 AM
TBCapitol$50.00$50.001/12/2010 4:37:47 AM
leverage-monger$50.00$50.001/12/2010 7:48:44 AM
scrabbler$25.00$25.001/12/2010 6:51:50 AM
orange-finance-banker$50.00$11.691/12/2010 7:22:49 AM
ryan6853$25.00$25.001/12/2010 8:52:19 AM
VelcroDog$25.01$25.011/12/2010 9:55:14 AM
arcite$34.71$34.711/12/2010 10:36:00 AM
merkutio$50.00$50.001/12/2010 8:56:50 AM
booie$25.00$25.001/12/2010 9:47:34 AM
PotBellyPete$40.00$40.001/12/2010 11:54:14 AM
turbostar666$26.85$26.851/12/2010 10:29:41 AM
worth-quark$25.00$25.001/12/2010 2:47:20 PM
amlu1988$25.00$25.001/12/2010 12:29:15 PM
wwwUniversal$25.00$25.001/12/2010 3:22:12 PM
manuvns$25.00$25.001/12/2010 1:26:43 PM
gothampark$25.00$25.001/12/2010 3:45:33 PM
dblaz5$228.00$228.001/12/2010 4:18:22 PM
Approved$50.00$50.001/12/2010 4:22:12 PM
123 bids
 
Borrower Payment Dependent Notes Series 442144
This series of Notes was issued and sold upon the funding of the borrower loan #40445, 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:  Jan-12-2010 
  Auction end date:  Jan-19-2010 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $103.41
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 27.31% Final monthly payment: $99.40
 
Auction yield range: 8.06% - 27.00% Estimated loss impact: 7.07%  
Lender servicing fee: 1.00% Estimated return: 16.93%  
<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: Oct-1997 Debt/Income ratio: 13%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 9m
Amount delinquent: $0 Revolving credit balance: $7,627 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 94%Stated income:$50,000-$74,999
Delinquencies in last 7y: 40 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: IFGINVEST Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off?2?credit cards to have 1 payment and to mainly?establish credit with prosper.

My financial situation:
I am a good candidate for this loan because after my bankruptcy which was?3 1/2?years ago?due to a business that failed after 11 years. I tried my best not to?file for bankruptcy but was left no choice as the business debt was higher than I could come up with personally?at the time. Since the bankruptcy I have purchased a new home, purchased a Durango and obtained a few credit cards to help rebuild my credit and have not missed a payment I know the importance of good credit. I since have invested some in prosper and have over 20k in my personal 401k and stock investments.

Monthly net income: $ 4400.00

Monthly expenses: $ 3157.00
??Housing: $ 1400.00
??Insurance: $ 120.00
??Car expenses: $ 257.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $?500.00
??Credit cards and other loans:?appox 500.00?which is paying more than the min payment,

This loan will be paid on time every month please bid with confidence!

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, What kind of company do you work for? And are you a salesperson? Thanks, Rob - RPR
A: Yes, I am a route Sales Rep for the food division of Pepsico. (Jan-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
orange-finance-banker$25.00$25.001/12/2010 5:07:40 PM
lucrative-loan$50.00$50.001/12/2010 5:08:04 PM
TheFamilyFund$25.00$25.001/13/2010 4:55:56 AM
FinDoc$25.00$25.001/14/2010 3:06:59 PM
YoungTaxMan$50.00$50.001/14/2010 5:16:47 PM
Syzygy$25.00$25.001/15/2010 11:10:48 AM
dcoggins$25.00$25.001/16/2010 5:22:37 PM
SolarMoonshine$25.00$25.001/17/2010 7:02:33 AM
Ven58$25.00$25.001/17/2010 9:07:17 PM
jsnryn$25.00$25.001/18/2010 11:49:29 AM
scottr$25.00$25.001/18/2010 4:31:42 PM
tnjohnso$25.00$25.001/18/2010 4:32:40 PM
piter-to-la-investment$25.00$25.001/18/2010 5:50:34 PM
glazeddonuts$25.00$25.001/18/2010 11:36:43 PM
leverage-monger$50.00$50.001/19/2010 7:56:18 AM
UCSBGAUCHOS$25.00$25.001/19/2010 8:11:39 AM
aultraman$25.00$25.001/19/2010 7:44:54 AM
Rule62$25.00$25.001/19/2010 10:45:34 AM
fund-secret-agent$25.00$25.001/19/2010 10:47:24 AM
zmaurides$25.00$25.001/19/2010 11:05:39 AM
wild-orange$25.00$25.001/19/2010 1:03:55 PM
GInBaghdad$25.00$25.001/19/2010 1:16:02 PM
Miklot$100.00$100.001/19/2010 1:32:04 PM
ultimate-peace$150.00$150.001/19/2010 12:58:16 PM
noble-revenue$100.00$65.641/19/2010 1:05:50 PM
principal-laser$67.74$67.741/19/2010 3:21:35 PM
leverage-monger$300.00$300.001/19/2010 4:05:11 PM
0403$25.00$25.001/19/2010 4:18:10 PM
robot777$40.00$40.001/12/2010 4:53:23 PM
Bob450$50.00$50.001/12/2010 9:17:07 PM
rhin0cerx$50.00$50.001/14/2010 12:59:10 PM
Approved$25.00$25.001/15/2010 1:15:34 PM
Bender$28.50$28.501/15/2010 4:47:26 PM
tornandfrayed$25.00$25.001/16/2010 5:33:57 PM
circustab$50.00$50.001/16/2010 9:17:12 PM
yoshibo$200.20$200.201/16/2010 10:37:29 PM
screen23$25.00$25.001/18/2010 4:35:47 AM
wise-balanced-moola$25.00$25.001/18/2010 7:26:57 PM
srs1325$27.52$27.521/18/2010 7:57:39 PM
squarebob$25.00$25.001/18/2010 8:38:54 PM
caseattle$25.00$25.001/18/2010 7:53:51 PM
JGuide$50.00$50.001/18/2010 8:45:17 PM
Little_Tuna_College_Fund$50.00$50.001/19/2010 7:15:04 AM
umfan123$33.21$33.211/19/2010 7:24:42 AM
Leshan$27.75$27.751/19/2010 7:32:39 AM
squarebob$25.00$25.001/19/2010 9:23:21 AM
mpatrick$50.00$50.001/19/2010 11:07:54 AM
rakey$25.00$25.001/19/2010 12:22:37 PM
bartenderpro$25.00$25.001/19/2010 2:49:07 PM
quest0$25.00$25.001/19/2010 3:30:18 PM
mckhbnpc$25.00$25.001/19/2010 3:40:09 PM
LAKETIME$25.00$25.001/19/2010 2:23:48 PM
Techne_Funds_LLC$25.00$25.001/19/2010 4:03:11 PM
booOST$159.44$159.441/19/2010 4:17:34 PM
Engineer44$25.00$25.001/19/2010 4:18:09 PM
55 bids
 
Borrower Payment Dependent Notes Series 440053
This series of Notes was issued and sold upon the funding of the borrower loan #40473, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $132.01
Final lender yield: 17.45% Final borrower rate/APR: 18.45% / 20.67% Final monthly payment: $127.32
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.90%  
Lender servicing fee: 1.00% Estimated return: 10.55%  
<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: 9 First credit line: Oct-1997 Debt/Income ratio: 20%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $12,548 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: stable-bonus 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
Payoff my credit cards
Purpose of loan:
This loan will be used to payoff some credit card debt.

My financial situation:
I am a good candidate for this loan because I pay on time. I have a stable full time job and on occasions I do freelance work. I have my stable income and extra money that comes in also helping me have that extra padding. I have a lot of expenses but I get them all paid on time. I live simply. I am not a huge spender I got into debt just trying to survive with the hike in cost of living and housing market. I own my apartment and haven't missed one payment. I want to cut my credit cards debt and would like help from prosper lenders.
Monthly net income: $ 3032

Monthly expenses: $ 2702
??Housing: $ 1300
??Insurance: $ 26
??Car expenses: $ 362
??Utilities: $ 82
??Phone, cable, internet: $ 106
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 26
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)
loan_doctor$25.00$25.001/5/2010 4:21:11 PM
boredlv$25.00$25.001/5/2010 4:38:12 PM
GeoLender$25.00$25.001/5/2010 6:44:14 PM
Sol_Invictus$25.00$25.001/6/2010 11:30:20 AM
hellasow$25.00$25.001/6/2010 1:41:37 PM
interact$25.00$25.001/7/2010 2:12:15 AM
ALFLoan$25.00$25.001/7/2010 6:51:12 AM
spy0$25.00$25.001/7/2010 10:54:39 AM
uvumf$25.00$25.001/7/2010 11:36:14 AM
Syzygy$25.00$25.001/8/2010 11:00:40 AM
ghinga$25.00$25.001/8/2010 11:03:29 AM
x01440$50.00$50.001/8/2010 6:35:56 PM
wildanne$75.00$75.001/9/2010 11:19:41 AM
grammaspurse$25.00$25.001/9/2010 5:04:34 PM
Molson Bank & Trust$50.00$50.001/9/2010 8:37:01 PM
JerryB96$25.00$25.001/10/2010 4:27:05 PM
sfgiantsfn$25.00$25.001/10/2010 8:49:36 PM
admirable-credit$25.00$25.001/11/2010 9:53:23 AM
the-profit-oracle$25.00$25.001/11/2010 10:29:23 AM
LarWit1512$25.00$25.001/11/2010 10:34:42 AM
draggon77$25.00$25.001/11/2010 11:18:50 AM
interest-friendship$50.00$50.001/11/2010 11:36:22 AM
clean-camaraderi$33.03$33.031/11/2010 1:33:59 PM
HamIAm$50.00$50.001/11/2010 1:50:50 PM
nalaari$61.17$61.171/11/2010 1:01:37 PM
dorypro$25.00$25.001/11/2010 2:46:38 PM
BankofBeth$25.00$25.001/11/2010 2:14:06 PM
Leopoldine$30.24$30.241/11/2010 3:57:20 PM
mckhbnpc$25.00$25.001/11/2010 4:15:19 PM
Techne_Funds_LLC$25.00$25.001/11/2010 4:22:54 PM
Chrishu$25.00$25.001/11/2010 4:52:04 PM
income-fortress$200.00$200.001/11/2010 5:00:50 PM
SweatyBalls$50.00$50.001/11/2010 5:49:47 PM
MoneyTree79$28.02$28.021/11/2010 6:55:53 PM
gorillestate$25.00$25.001/11/2010 8:08:53 PM
Trondheim_Norway$100.00$100.001/11/2010 8:32:47 PM
elloboverde$50.00$50.001/11/2010 11:44:36 PM
Leshan$25.00$25.001/12/2010 7:51:10 AM
supreme-hope$25.00$25.001/12/2010 7:53:49 AM
Tingali$25.00$25.001/12/2010 9:19:39 AM
wild-orange$25.00$25.001/12/2010 11:33:39 AM
wild_carrot$25.00$25.001/12/2010 10:57:57 AM
Chiss$25.00$25.001/12/2010 11:06:26 AM
piter-to-la-investment$25.00$25.001/12/2010 1:09:06 PM
AM2008$25.00$25.001/12/2010 1:29:11 PM
loan-fate$150.00$150.001/12/2010 11:18:30 AM
atlas100$25.00$25.001/12/2010 1:33:22 PM
photo999$25.00$25.001/12/2010 11:59:53 AM
PotBellyPete$40.00$40.001/12/2010 11:51:05 AM
ChamelEian$39.58$39.581/12/2010 12:45:12 PM
velocity-winner$25.00$25.001/12/2010 2:07:25 PM
coolgenner$25.00$25.001/12/2010 3:29:13 PM
UCSBGAUCHOS$30.00$30.001/12/2010 1:18:51 PM
brightest-dignified-penny$25.00$3.121/12/2010 4:11:28 PM
The-CAPS-fan$45.00$45.001/12/2010 3:52:11 PM
gilbrear$25.00$25.001/12/2010 4:11:54 PM
nickel-master$25.00$25.001/12/2010 4:09:22 PM
scottr$25.00$25.001/5/2010 4:38:11 PM
sbv1689$25.00$25.001/6/2010 6:17:17 AM
zento$25.00$25.001/6/2010 8:52:32 PM
peregrine$25.00$25.001/6/2010 11:24:02 PM
Imaginos1892$50.00$50.001/7/2010 7:39:06 PM
rawsushi$59.00$59.001/10/2010 2:29:56 AM
Bank_Of_XL$100.00$100.001/10/2010 6:36:33 AM
LenderExtraordinaire$25.00$25.001/10/2010 8:06:44 PM
johnpmid$25.00$25.001/11/2010 9:57:50 AM
CashBank$25.00$25.001/11/2010 9:45:07 AM
dudebrah$26.00$26.001/11/2010 12:19:42 PM
SkinnyFish$25.00$25.001/11/2010 2:50:42 PM
BankOfThomas$28.84$28.841/11/2010 5:29:24 PM
letsbank$25.00$25.001/11/2010 8:39:49 PM
fundologist$25.00$25.001/11/2010 10:05:03 PM
phchristensen$50.00$50.001/12/2010 2:20:10 AM
KaChingInvestments$25.00$25.001/12/2010 5:35:22 AM
ryan6853$25.00$25.001/12/2010 8:49:03 AM
JTHarris$50.00$50.001/12/2010 9:05:33 AM
investment-cluster$25.00$25.001/12/2010 9:21:55 AM
qcksilvr20$50.00$50.001/12/2010 10:29:21 AM
atomantic$30.00$30.001/12/2010 10:45:12 AM
debtcollector$50.00$50.001/12/2010 12:31:39 PM
Flacap$35.00$35.001/12/2010 2:49:24 PM
trumpeter5$100.00$100.001/12/2010 12:48:42 PM
druidpoet$25.00$25.001/12/2010 12:52:51 PM
Lear31$36.00$36.001/12/2010 1:25:20 PM
steady-peace8$100.00$100.001/12/2010 3:10:20 PM
Ambassador$50.00$50.001/12/2010 3:15:03 PM
friendinmoney$25.00$25.001/12/2010 4:11:30 PM
Approved$25.00$25.001/12/2010 4:17:55 PM
platinum-czar$150.00$150.001/12/2010 3:49:45 PM
jybank$25.00$25.001/12/2010 3:43:33 PM
Engineer44$25.00$25.001/12/2010 4:20:27 PM
91 bids
 
Borrower Payment Dependent Notes Series 440697
This series of Notes was issued and sold upon the funding of the borrower loan #40448, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,973.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $121.14
Final lender yield: 5.10% Final borrower rate/APR: 6.10% / 6.44% Final monthly payment: $121.05
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.50%  
<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: Oct-1999 Debt/Income ratio: 15%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:9y 11m
Amount delinquent: $0 Revolving credit balance: $9,621 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: vivid-compassion Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay It Off
Purpose of loan:
Pay off my credit card.

My financial situation:
I am a good candidate for this loan because if you look at my credit score and employment history you will know that this loan will be paid.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Does your spouse work? Is there other household income? - marala4285
A: Yes, my spouse does work and our total combined income is over a $120,000.00. (Jan-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jwood3030$25.00$25.001/4/2010 9:33:35 AM
inventive-wealth2$25.00$25.001/4/2010 9:39:40 AM
nuclearmoose$25.00$25.001/4/2010 9:37:06 AM
time4aloan$25.00$25.001/4/2010 9:41:39 AM
Rob717171$25.00$25.001/4/2010 9:47:58 AM
kenji4861$25.00$25.001/4/2010 9:48:18 AM
djh47a$35.00$35.001/4/2010 9:40:52 AM
Avala$25.00$25.001/4/2010 9:55:37 AM
scottr$25.00$25.001/4/2010 9:56:26 AM
aventurer$25.00$25.001/4/2010 9:59:15 AM
klinebarger$25.00$25.001/4/2010 9:55:55 AM
skillful-diversification2$25.00$25.001/4/2010 10:01:35 AM
fortytwo$200.00$200.001/4/2010 9:57:16 AM
secundus$25.00$25.001/4/2010 9:58:25 AM
first-upright-payout$50.00$50.001/4/2010 10:02:32 AM
bayareainv$50.00$50.001/4/2010 9:59:38 AM
gold-commander0$50.00$50.001/4/2010 10:03:42 AM
AmericanCredit$25.00$25.001/4/2010 10:00:10 AM
unk1911$25.00$25.001/4/2010 9:56:09 AM
lloyd_s$25.00$25.001/4/2010 10:02:00 AM
BlindProphet$25.00$25.001/4/2010 9:57:53 AM
orange-courageous-dedication$40.00$40.001/4/2010 10:03:00 AM
DonaldColorado$25.00$25.001/4/2010 10:03:18 AM
Banker7371$25.00$25.001/4/2010 9:58:37 AM
BankofBen$250.00$250.001/4/2010 10:03:55 AM
asdf9876$25.00$25.001/4/2010 9:59:25 AM
kulender$30.00$30.001/4/2010 10:10:25 AM
loan-warrior$25.00$25.001/4/2010 10:04:20 AM
Supervark$25.00$25.001/4/2010 10:10:45 AM
Carpetkid$50.00$50.001/4/2010 10:01:15 AM
omniviper$25.00$25.001/4/2010 10:20:37 AM
wormdc$25.00$25.001/4/2010 10:08:45 AM
internetpreneur$25.00$25.001/4/2010 10:24:55 AM
intrepid-transaction5$25.00$25.001/4/2010 10:04:26 AM
handy-justice$25.00$25.001/4/2010 10:10:31 AM
jjswanso$25.00$25.001/4/2010 10:19:21 AM
fdsguy$50.00$50.001/4/2010 10:25:38 AM
tolstoy00$25.00$25.001/4/2010 10:35:55 AM
responsibility-butterfly$25.00$25.001/4/2010 10:42:21 AM
auction-elvis$25.00$8.001/4/2010 10:42:42 AM
neenerman$25.00$25.001/4/2010 10:41:54 AM
SCOTTOL$25.00$25.001/4/2010 10:42:34 AM
EmeritusX$25.00$25.001/4/2010 11:07:53 AM
wonderous-power$25.00$25.001/5/2010 5:13:23 AM
hellasow$25.00$25.001/5/2010 1:38:55 AM
The-Lighthouse-Group$25.00$25.001/5/2010 3:53:32 PM
bowdish1$100.00$100.001/5/2010 8:36:22 PM
springpanda$25.00$25.001/6/2010 11:15:20 AM
gary500$25.00$25.001/6/2010 6:59:23 PM
JerryB96$25.00$25.001/7/2010 9:55:59 PM
marala4285$25.00$25.001/8/2010 1:35:12 PM
bossyboots01$25.00$25.001/11/2010 3:38:33 AM
nickel-master$25.00$25.001/11/2010 9:15:46 AM
elasermd$50.00$50.001/4/2010 9:33:45 AM
Pasagam$25.00$25.001/4/2010 9:40:20 AM
nickel-advocator$25.00$25.001/4/2010 9:41:09 AM
first-pragmatic-note$25.00$25.001/4/2010 9:41:26 AM
Binan$25.00$25.001/4/2010 9:39:01 AM
ChicoBob$50.00$50.001/4/2010 9:37:20 AM
thedoctor$90.00$90.001/4/2010 9:56:53 AM
meenan$40.00$40.001/4/2010 9:57:29 AM
friendly-market5$25.00$25.001/4/2010 9:55:25 AM
Picopie$50.00$50.001/4/2010 10:00:59 AM
18th_beachbum$25.00$25.001/4/2010 10:01:44 AM
microlendblvr$100.00$100.001/4/2010 9:58:08 AM
Havana21$200.00$200.001/4/2010 10:02:46 AM
junctionking$25.00$25.001/4/2010 10:04:02 AM
credit-force5$25.00$25.001/4/2010 10:04:35 AM
exciting-responsibility3$25.00$25.001/4/2010 10:05:37 AM
elevated-platinum5$25.00$25.001/4/2010 10:01:51 AM
personal-lender$25.00$25.001/4/2010 10:02:08 AM
larrybird$100.00$100.001/4/2010 9:58:52 AM
majestic-dedication$50.00$50.001/4/2010 9:59:07 AM
kegs$100.00$100.001/4/2010 9:59:42 AM
portfolio-zone801$25.00$25.001/4/2010 9:59:57 AM
JohnSmith10$25.00$25.001/4/2010 10:11:48 AM
honorable-yield$75.00$75.001/4/2010 10:00:23 AM
Patter256$25.00$25.001/4/2010 10:05:20 AM
greenwell$50.00$50.001/4/2010 10:00:33 AM
jbaum$100.00$100.001/4/2010 10:01:24 AM
Captain88$25.00$25.001/4/2010 10:26:50 AM
StrongMoney$25.00$25.001/4/2010 10:28:28 AM
Gibbyland$100.00$100.001/4/2010 10:25:30 AM
bigphish$25.00$25.001/4/2010 10:25:47 AM
Tc11902$50.00$50.001/4/2010 10:42:11 AM
orange-resolute-platinum$25.00$25.001/4/2010 10:21:27 AM
cyonamine$25.00$25.001/4/2010 10:22:58 AM
admirable-credit$25.00$25.001/5/2010 4:19:25 PM
billnsc$25.00$25.001/7/2010 5:25:11 AM
woolfarm$50.00$50.001/7/2010 3:28:59 PM
loanshark62$30.00$30.001/7/2010 3:57:24 PM
HealthAndSafety$100.00$100.001/7/2010 8:13:15 PM
waterboy9$50.00$50.001/8/2010 7:20:45 AM
MGS$25.00$25.001/8/2010 8:55:31 AM
SanJoser$25.00$25.001/9/2010 5:31:19 AM
richzumi3111$25.00$25.001/10/2010 4:46:04 AM
96 bids
 
Borrower Payment Dependent Notes Series 440725
This series of Notes was issued and sold upon the funding of the borrower loan #40457, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $180.94
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<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: 5 First credit line: Oct-2002 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Part-time employee
Now delinquent: 1 Total credit lines: 22Length of status:2y 8m
Amount delinquent: $9,746 Revolving credit balance: $649 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: thrifty-hope 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
Nursing Student graduates in May
Purpose of loan:
This loan will be used to?help pay monthly bills (gas, food) and buy books and supplies for last semester

My financial situation: I am about to graduate nursing school (RN) in May, and will be in a way better financial situation.
I am a good candidate for this loan because?I am very responsible and have the potential to make good money if I can just get through these next couple of months of school/

Monthly net income: $ 2000.

Monthly expenses: $ 1300.
??Housing: $700.
??Insurance: $100.
??Car expenses: $560.
??Utilities: $0.
??Phone, cable, internet: $0.
??Food, entertainment: $0.
??Clothing, household expenses $
??Credit cards and other loans: $
??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: hi, are you working now, if so, what is your income? also, i notice a delinquency on your record, please explain, thanks. are you interviewing now for full time RN positions? What can you expect for starting salary? - shrewd-income
A: Yes, I am working as a patient care tech at the hospital, once I have graduated I will be transferred over to a RN position. The job has already been secured for me. The delinquency on my record is a truck that I had leased with an ex-girlfriend who stopped paying on it. I was forced to voluntarily turn it in becuase I could not afford two car payments. My starting salary as a RN will be 22.00 per hou and I will be working a FT schedule 72+ hours biweekly. (Jan-05-2010)
Q: What is the $9,000 delinquency shown in your credit profile? thanks - reflective-rupee
A: That delinquency is for a truck that I leased with an ex-girlfriend. (Her name was on the vehicle as well).She stopped making the payments and I was forced to voluntarily surrender the vehicle because I could not afford two car payments on my own. (Jan-05-2010)
Q: What school are you attending? What is your GPA? thanks - reflective-rupee
A: I currently attend Daytona State College in Daytona Beach, FL. My GPA is 3.6 and I am doing very well in the nursing program. I will graduate in May with both my AA degree and Nursing (RN) degree. (Jan-05-2010)
Q: Please list the balances of each of your debts. thanks - reflective-rupee
A: I only have one credit card that has approximately $500.00 on it and I owe the balance of my monthly financed vehicle which is 25,000.00. Those are my only debts other than the 9k balance for the surrendered vehicle. (Jan-05-2010)
Q: Are you making payments of the $9K car lease shortfall? thanks - reflective-rupee
A: I was just recently (in December) notified that the vehicle has been auctioned and the 9k is my balance. As of right now, I have not made any payment arrangements, but intend on doing so. (Jan-06-2010)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.001/4/2010 1:03:23 PM
reflective-rupee$400.00$400.001/5/2010 10:01:45 AM
gold-cluster$200.00$200.001/5/2010 4:13:50 PM
reflective-rupee$100.00$100.001/6/2010 1:31:20 PM
reflective-rupee$100.00$100.001/6/2010 1:32:09 PM
Capit0l$25.00$25.001/6/2010 5:01:50 PM
asset-control2$50.00$50.001/7/2010 7:09:22 AM
asset-control2$50.00$50.001/7/2010 7:09:10 AM
simpleliving123$25.00$25.001/7/2010 10:18:05 AM
marwadi-62$25.00$25.001/7/2010 4:51:33 PM
nodebt2012$100.00$100.001/7/2010 8:16:57 PM
adaptable-capital$250.00$250.001/8/2010 10:57:11 AM
well-mannered-income3$30.00$30.001/8/2010 1:40:25 PM
zone6$300.00$300.001/9/2010 8:37:41 AM
cunning-bill$100.00$100.001/8/2010 10:57:50 PM
371millwood$200.00$189.331/9/2010 8:03:52 AM
tornandfrayed$25.00$25.001/9/2010 1:22:42 PM
gold-cluster$200.00$200.001/10/2010 9:08:09 AM
Rulea72$52.75$52.751/10/2010 9:30:59 AM
five-star-note$75.00$75.001/10/2010 3:52:50 PM
JauaFlash$34.89$34.891/10/2010 4:29:49 PM
dorypro$25.00$25.001/11/2010 6:24:41 AM
skillful-asset5$125.00$125.001/11/2010 6:44:46 AM
shrewd-income$75.00$75.001/11/2010 6:50:41 AM
shrewd-income$64.39$64.391/11/2010 6:55:11 AM
thomas16882004$25.00$25.001/10/2010 10:32:05 PM
Bobusa$25.00$25.001/11/2010 5:17:19 AM
gold-cluster$100.00$100.001/11/2010 9:15:10 AM
SolarMoonshine$25.00$25.001/5/2010 6:10:01 PM
credit-superstar3$25.00$25.001/6/2010 10:48:58 AM
reflective-rupee$100.00$100.001/6/2010 1:31:31 PM
reflective-rupee$100.00$100.001/6/2010 1:31:51 PM
piter-to-la-investment$25.00$25.001/6/2010 5:30:57 PM
deepblue34$30.00$30.001/6/2010 5:43:58 PM
balanced-balance6$25.00$25.001/7/2010 6:32:38 AM
asset-control2$100.00$100.001/7/2010 7:09:45 AM
shrewd-income$25.00$25.001/8/2010 8:16:30 AM
Leshan$25.00$25.001/8/2010 7:45:10 AM
Land_on_your_feet$40.00$40.001/9/2010 11:06:23 AM
thestartuplender$75.00$75.001/9/2010 3:17:43 PM
skillful-asset5$100.00$100.001/9/2010 3:00:45 PM
thestartuplender$50.00$50.001/9/2010 3:18:04 PM
MrBadExample$42.00$42.001/9/2010 6:50:56 PM
redhead21$41.64$41.641/10/2010 4:27:22 PM
gold-cluster$100.00$100.001/10/2010 8:20:35 PM
LendingPimp$100.00$100.001/10/2010 10:18:31 PM
Lubava$25.00$25.001/11/2010 5:01:02 AM
wild-orange$25.00$25.001/11/2010 6:57:13 AM
gold-cluster$100.00$100.001/11/2010 8:54:25 AM
DasMula$25.00$25.001/11/2010 9:21:22 AM
50 bids
 
Borrower Payment Dependent Notes Series 440737
This series of Notes was issued and sold upon the funding of the borrower loan #40480, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,700.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $51.83
Final lender yield: 5.10% Final borrower rate/APR: 6.10% / 6.44% Final monthly payment: $51.79
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.50%  
<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: May-1996 Debt/Income ratio: 25%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $13,895 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: relentless-truth 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.
Description
Paying off high % rate on overdraft
Purpose of loan:
Pay off the overdraft credit on my checking account which has an 18% APR

My financial situation:
Is good, I have a steady job, a good credit rating (731) and have never missed a loan or credit payment in ten years... OK, I missed one, I was on vacation and the nice folks at the credit card took it off my record.?
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)
jwood3030$25.00$25.001/4/2010 9:33:36 AM
ChicoBob$50.00$50.001/4/2010 9:37:26 AM
inventive-wealth2$25.00$25.001/4/2010 9:39:37 AM
nuclearmoose$25.00$25.001/4/2010 9:37:08 AM
first-pragmatic-note$25.00$25.001/4/2010 9:41:24 AM
time4aloan$25.00$25.001/4/2010 9:41:37 AM
note-tent$50.00$50.001/4/2010 9:57:06 AM
BlindProphet$25.00$25.001/4/2010 9:57:56 AM
wormdc$26.00$26.001/4/2010 9:53:37 AM
GABC-1$25.00$25.001/5/2010 8:41:22 AM
admirable-credit$25.00$25.001/5/2010 4:19:26 PM
bowdish1$100.00$100.001/5/2010 8:37:16 PM
coin-entrepreneur$25.00$25.001/6/2010 2:54:01 PM
Money4UandMe$25.00$25.001/7/2010 5:08:07 PM
BONSAY$25.00$25.001/7/2010 7:22:43 PM
HealthAndSafety$100.00$100.001/7/2010 8:13:34 PM
HomerdohNY$25.00$25.001/11/2010 5:02:41 AM
orange-finance-banker$50.00$50.001/11/2010 7:32:05 AM
Binan$25.00$25.001/4/2010 9:39:05 AM
elasermd$50.00$50.001/4/2010 9:33:48 AM
nickel-advocator$25.00$25.001/4/2010 9:41:06 AM
kenji4861$25.00$25.001/4/2010 9:48:14 AM
Pasagam$25.00$25.001/4/2010 9:40:17 AM
unk1911$25.00$25.001/4/2010 9:56:08 AM
meenan$40.00$40.001/4/2010 9:57:21 AM
Rob717171$25.00$25.001/4/2010 9:48:01 AM
secundus$25.00$18.941/4/2010 9:58:20 AM
thedoctor$90.00$90.001/4/2010 9:56:55 AM
friendly-market5$25.00$25.001/4/2010 9:55:23 AM
klinebarger$25.00$25.001/4/2010 9:55:52 AM
scottr$25.00$25.001/4/2010 9:56:25 AM
microlendblvr$100.00$100.001/4/2010 9:58:06 AM
indomart$75.00$75.001/4/2010 3:12:22 PM
heerzaquestion$25.00$25.001/5/2010 5:51:14 PM
Planecourage$25.00$25.001/6/2010 12:24:23 PM
mco$25.00$25.001/7/2010 5:39:20 AM
RandyL3$25.00$25.001/7/2010 4:34:06 PM
surfsider123$25.00$25.001/7/2010 9:18:48 PM
BONSAY$50.00$50.001/7/2010 7:22:06 PM
myhrer$100.00$100.001/7/2010 7:58:21 PM
JerryB96$25.00$25.001/7/2010 9:57:42 PM
generous-deal6$25.06$25.061/9/2010 1:12:31 AM
JCPlending$25.00$25.001/9/2010 7:52:17 AM
JohnSmith10$25.00$25.001/10/2010 4:48:43 PM
wonderous-power$25.00$25.001/11/2010 1:18:59 AM
nickel-master$25.00$25.001/11/2010 9:16:32 AM
46 bids
 
Borrower Payment Dependent Notes Series 441033
This series of Notes was issued and sold upon the funding of the borrower loan #40470, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
Final lender yield: 13.85% Final borrower rate/APR: 14.85% / 18.52% Final monthly payment: $34.59
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.81%  
Lender servicing fee: 1.00% Estimated return: 7.04%  
<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: Nov-1997 Debt/Income ratio: 22%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 28Length of status:3y 6m
Amount delinquent: $602 Revolving credit balance: $4,027 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: respectful-velocity 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
Installing Flooring
Purpose of loan:
This loan will be used to install hardwood flooring in my personal home. I am attempting to sell the residence and upgrading the flooring would assist me in getting the most value.

My financial situation:
I am a good candidate for this loan because I am an active duty member of the military. I have been in the military since May of 1997 and I have no intention of leaving or retiring until after 2025

Monthly net income: $ 3850

Monthly expenses: $
??Housing: $ 979
??Insurance: $
??Car expenses: $ 627
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??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
Q: First off, thank you for your service to our country. I would like to ask what is your duty and is there there a chance you will be deployed? - Little_Tuna_College_Fund
A: I am a Plans & Programs Manager for an Air Force Security Forces (military police) unit. I also hold several other positions that service my installation. Because of my current duties and responsibilities to my unit including my entire installation and because I am a single father with primary custody of my son, I am not slated to deploy in the near future. (Jan-06-2010)
Q: May we ask why you are delinquent:$602, and what happen? - exchange-cowbell5
A: I recently went through a divorce and my ex wife fraudulently opened accounts without my knowledge or permission. I have been disputing some of these accounts, awaiting to receive monies from her and paying on others in order to rectify my credit situation. Please take note that all accounts that I have opened and that are active...I am 100% current on. If you require additional information please feel free to ask. (Jan-06-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MilitaryLending$100.00$100.001/8/2010 4:34:27 AM
meggo33$25.00$25.001/11/2010 7:49:43 PM
ghinga$25.00$25.001/12/2010 12:42:49 PM
the-profit-oracle$25.00$25.001/12/2010 3:29:10 PM
w8291$25.00$25.001/12/2010 3:44:37 PM
appcoder$50.00$50.001/12/2010 2:55:45 PM
jybank$25.00$25.001/12/2010 3:04:00 PM
engbusres$39.00$39.001/12/2010 3:56:09 PM
vine99$60.00$60.001/6/2010 9:36:21 PM
Syzygy$25.00$25.001/8/2010 11:01:16 AM
MilitaryLending$133.57$133.571/11/2010 6:58:42 PM
fatboy888$25.00$25.001/12/2010 5:52:24 AM
Leshan$25.00$25.001/12/2010 7:54:37 AM
AF-Chief$150.00$150.001/12/2010 9:09:47 AM
wild-orange$25.00$25.001/12/2010 11:31:43 AM
atlas100$25.00$25.001/12/2010 1:25:46 PM
packrs1$25.00$25.001/12/2010 1:42:57 PM
Ambassador$50.00$50.001/12/2010 3:25:18 PM
The-CAPS-fan$125.00$125.001/12/2010 3:53:08 PM
Approved$25.00$17.431/12/2010 4:20:06 PM
20 bids
 
Borrower Payment Dependent Notes Series 441037
This series of Notes was issued and sold upon the funding of the borrower loan #40463, 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:  Jan-04-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 11.93% Starting monthly payment: $31.52
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 11.88% Final monthly payment: $31.50
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
<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: Jul-1989 Debt/Income ratio: 13%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 15 / 13Employment status:Retired
Now delinquent: 0 Total credit lines: 34Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $38,284Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: determined-compassion0 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Extra cash for emergencies
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Syzygy$25.00$25.001/6/2010 9:15:17 AM
PalmerTheEmbalmer$25.00$25.001/6/2010 12:15:52 PM
HealthAndSafety$100.00$100.001/7/2010 8:16:07 PM
JerryB96$25.00$25.001/7/2010 9:59:54 PM
rome1426$25.00$25.001/8/2010 7:03:21 AM
SeaLoans$25.00$25.001/8/2010 1:07:22 PM
mco$25.00$25.001/8/2010 3:23:12 PM
exchange-cowbell5$100.00$100.001/8/2010 6:17:12 PM
JCPlending$25.00$25.001/9/2010 7:42:29 AM
wwwUniversal$25.00$25.001/10/2010 7:57:44 AM
bondo41$25.00$25.001/11/2010 10:11:38 AM
interstellar$40.54$40.541/11/2010 11:11:18 AM
Ven58$25.00$25.001/11/2010 11:03:42 AM
jybank$50.00$50.001/11/2010 10:41:06 AM
Snoopylover$25.00$25.001/11/2010 10:42:39 AM
BankofBen$500.00$209.461/4/2010 4:08:59 PM
TigerForce$25.00$25.001/4/2010 4:21:51 PM
payout-magician$25.00$25.001/7/2010 8:22:03 PM
seineil$50.00$50.001/8/2010 12:21:50 AM
squarebob$25.00$25.001/8/2010 8:03:39 PM
wise-balanced-moola$25.00$25.001/10/2010 8:14:00 AM
wild-orange$25.00$25.001/11/2010 7:02:27 AM
orange-finance-banker$50.00$50.001/11/2010 7:55:50 AM
23 bids
 
Borrower Payment Dependent Notes Series 441149
This series of Notes was issued and sold upon the funding of the borrower loan #40454, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-06-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $157.61
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $157.49
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
<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: Mar-1991 Debt/Income ratio: 19%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $10,042 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: cognizant-worth Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Life after divorce and ccards
Purpose of loan:
This loan will be used to consolidate my debt into a manageable monthly payment and make a new down payment to replace my now 11-year old car. I am newly divorced and while I am able to pay my bills, the current economic environment makes it hard not to be spread too thin, let alone not get ripped off by bank rates. I learned about Prosper.com about a year ago on the Clark Howard Show, and took a year to read reviews and feedback. I am now convinced this would be a safe and mutually beneficial way to manage my bills for 30 months.

My financial situation:
I am a good candidate for this loan because I pay my bills reliably, am conscientious about how I spend money, have a good financial education (MBA) and a stable job at a leading U.S. university.
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)
kenji4861$25.00$25.001/6/2010 3:43:20 PM
first-pragmatic-note$25.00$25.001/6/2010 3:41:15 PM
selector568$500.00$500.001/6/2010 3:51:38 PM
AmericanCredit$25.00$25.001/6/2010 4:03:33 PM
Havana21$200.00$200.001/6/2010 4:04:31 PM
DonaldColorado$25.00$25.001/6/2010 4:04:35 PM
gold-commander0$50.00$50.001/6/2010 4:04:44 PM
credit-force5$25.00$25.001/6/2010 4:05:04 PM
kulender$30.00$30.001/6/2010 4:05:23 PM
StrongMoney$25.00$25.001/6/2010 4:05:49 PM
auction-elvis$25.00$25.001/6/2010 4:06:06 PM
inspired-contract9$50.00$50.001/6/2010 4:06:24 PM
Kaj$30.00$30.001/6/2010 4:07:09 PM
AF-Chief$35.00$35.001/6/2010 4:07:17 PM
shamrocker$25.00$25.001/6/2010 4:07:19 PM
wampum-optimization$50.00$50.001/6/2010 4:07:41 PM
fortytwo$200.00$200.001/6/2010 3:58:14 PM
skvat$25.00$25.001/6/2010 4:07:48 PM
meux99$25.00$25.001/6/2010 4:08:28 PM
buckyhead2000$25.00$25.001/6/2010 4:08:33 PM
alpinaut$25.00$25.001/6/2010 4:09:01 PM
Speculator$50.00$50.001/6/2010 4:09:19 PM
friendly-market5$25.00$25.001/6/2010 4:02:42 PM
Banker7371$25.00$25.001/6/2010 4:03:10 PM
thedoctor$90.00$90.001/6/2010 4:02:56 PM
aventurer$25.00$25.001/6/2010 4:03:28 PM
skillful-diversification2$25.00$25.001/6/2010 4:03:59 PM
greenwell$50.00$50.001/6/2010 4:03:40 PM
figs4u2$80.00$80.001/6/2010 4:06:10 PM
bchen78875$50.00$50.001/6/2010 4:06:14 PM
leodaguy$25.00$25.001/6/2010 4:06:36 PM
mikeandcat$100.00$100.001/6/2010 4:06:55 PM
the_winning_ticket$35.00$35.001/6/2010 4:06:41 PM
ven$25.00$25.001/6/2010 4:08:04 PM
Goodlender42$25.00$25.001/6/2010 4:07:50 PM
schpere$30.00$30.001/6/2010 4:08:26 PM
wiselady$25.00$25.001/6/2010 4:08:07 PM
market-builder$25.00$25.001/6/2010 4:09:07 PM
Cai8899$75.00$75.001/6/2010 4:08:29 PM
lending-bear$75.00$75.001/6/2010 4:09:20 PM
Pasagam$25.00$25.001/6/2010 4:09:49 PM
ethicalhumanist$25.00$25.001/6/2010 4:09:56 PM
credit-coach118$40.00$40.001/6/2010 4:09:45 PM
RusRobo$25.00$25.001/6/2010 4:10:16 PM
intuitive-bill$25.00$25.001/6/2010 4:10:20 PM
EmeritusX$25.00$25.001/6/2010 4:12:15 PM
hawk357$50.00$50.001/6/2010 9:02:33 PM
vine99$100.00$100.001/6/2010 9:14:25 PM
durability-halibut$25.00$25.001/7/2010 1:35:35 PM
SeaLoans$25.00$25.001/10/2010 11:51:30 AM
lean-velocity$25.00$25.001/6/2010 3:51:28 PM
Rob717171$25.00$25.001/6/2010 3:43:12 PM
neenerman$25.00$25.001/6/2010 3:50:46 PM
Binan$25.00$25.001/6/2010 4:02:18 PM
unk1911$25.00$25.001/6/2010 4:02:49 PM
larrybird$100.00$100.001/6/2010 4:03:11 PM
honorable-yield$75.00$75.001/6/2010 4:03:35 PM
jbaum$100.00$100.001/6/2010 4:03:54 PM
18th_beachbum$25.00$25.001/6/2010 4:04:04 PM
elevated-platinum5$25.00$25.001/6/2010 4:04:09 PM
lloyd_s$25.00$25.001/6/2010 4:04:14 PM
first-upright-payout$50.00$50.001/6/2010 4:04:26 PM
intrepid-transaction5$25.00$25.001/6/2010 4:04:56 PM
Gibbyland$100.00$100.001/6/2010 4:05:44 PM
tolstoy00$25.00$25.001/6/2010 4:05:51 PM
gulch$35.00$35.001/6/2010 4:06:31 PM
Attract$25.00$25.001/6/2010 4:06:49 PM
buukyak$25.00$25.001/6/2010 4:07:28 PM
aasx1108$25.00$25.001/6/2010 3:57:57 PM
Jassi$25.00$25.001/6/2010 4:07:35 PM
rjblack$50.00$50.001/6/2010 3:57:59 PM
rooosta$25.00$25.001/6/2010 4:08:10 PM
huorn$25.00$25.001/6/2010 3:58:09 PM
discrete-asset$25.00$25.001/6/2010 4:08:15 PM
Phantom99$25.00$25.001/6/2010 4:09:25 PM
bowdish1$100.00$100.001/6/2010 4:09:32 PM
Mavrck88$25.00$25.001/6/2010 4:10:08 PM
platinum-czar$50.00$50.001/6/2010 4:10:29 PM
elasermd$50.00$50.001/6/2010 4:02:01 PM
time4aloan$25.00$25.001/6/2010 4:02:24 PM
majestic-dedication$50.00$50.001/6/2010 4:03:21 PM
meenan$40.00$40.001/6/2010 4:03:05 PM
microlendblvr$100.00$100.001/6/2010 4:03:09 PM
personal-lender$25.00$25.001/6/2010 4:04:16 PM
exciting-responsibility3$25.00$25.001/6/2010 4:05:16 PM
handy-justice$25.00$25.001/6/2010 4:05:29 PM
junctionking$25.00$25.001/6/2010 4:04:50 PM
Katburg$50.00$50.001/6/2010 4:06:28 PM
responsibility-butterfly$25.00$25.001/6/2010 4:06:03 PM
natmonkey$25.00$25.001/6/2010 4:07:25 PM
Walkingcowboy$25.00$25.001/6/2010 4:06:54 PM
toblerone$25.00$25.001/6/2010 4:07:34 PM
BankOfFrankFairness$50.00$50.001/6/2010 4:07:01 PM
outtahoth2o$100.00$100.001/6/2010 4:07:54 PM
Artist_Blue$25.00$25.001/6/2010 4:07:58 PM
Syzygy$25.00$25.001/6/2010 5:31:32 PM
teller$60.00$60.001/6/2010 4:08:14 PM
JJS180$25.00$25.001/6/2010 4:08:36 PM
red-favorable-basis$25.00$25.001/6/2010 4:08:43 PM
DukSerduk$25.00$25.001/6/2010 4:08:48 PM
head$25.00$25.001/6/2010 4:08:17 PM
delicious-social132$25.00$25.001/6/2010 4:09:15 PM
elegant-income3$25.00$25.001/6/2010 4:09:04 PM
OCedHrt$25.00$25.001/6/2010 4:09:11 PM
jameskdean$25.00$25.001/6/2010 4:09:55 PM
CAGE-Investments$100.00$40.001/6/2010 4:10:31 PM
asset-caballero$25.00$25.001/6/2010 4:10:13 PM
wonderous-power$25.00$25.001/7/2010 2:11:46 PM
woolfarm$25.00$25.001/7/2010 4:03:08 PM
springpanda$25.00$25.001/7/2010 4:02:37 PM
payout-magician$30.00$30.001/7/2010 8:20:18 PM
Russia5M$25.00$25.001/8/2010 10:51:07 AM
squarebob$25.00$25.001/9/2010 7:29:58 PM
113 bids
 
Borrower Payment Dependent Notes Series 441235
This series of Notes was issued and sold upon the funding of the borrower loan #40472, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-05-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 11.01% Starting borrower rate/APR: 12.01% / 14.14% Starting monthly payment: $242.50
Final lender yield: 11.00% Final borrower rate/APR: 12.00% / 14.13% Final monthly payment: $242.46
 
Auction yield range: 4.20% - 11.01% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.86%  
<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: Sep-1987 Debt/Income ratio: 26%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $41,375 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: responsibility-conductor Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Higher Interest CC's!
Purpose of loan:
My family is?paying off our high interest?debt and are committed to being debt free in 36 months.? This specific loan will be used to pay off several credit cards and one credit line.? I am cashing in one 6 month CD and the sum of that balance PLUS this loan from Prosper will enable me to pay off several high interest credit cards and one credit line.? My current monthly minimum payments for these credit accounts?total?$350.00 per month.? My Prosper loan payment will be lower than?the current payments I have been making,?and the entire balance will be paid off in 36 months.

My financial situation:
I am a responsible business executive employed in my field for 20 years.? I pay my bills on time.? I have a good credit rating.? Even though I have always paid my debts, some credit card companies have raised the interest rates on their cards regardless!? I do not want to 'transfer balances' to yet another credit card.? I want to go with the Prosper community and pay these accounts off once and for all!? Thank you.

Monthly net income: $ 7060

Monthly expenses: $3600
??Housing: $1400
??Insurance: $300
??Car expenses: $0
??Utilities: $?150
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses?$200
??Credit cards and other loans: $900
??Other expenses: $100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your stated expenses for you budget indicates a total of 3600 per month, monthly income 7060 per month so you have a surplus of roughly 3400 per month remaining, would it not make sense to divert this extra money per month to the bills ? - pableaus
A: Surplus currently goes toward paying additional principal above our minimum payments, investments at higher projected yield than current debt load, and savings. Our credit is good, but our bank card utlization and DTI can improve. We have a CD maturing in Feb valued at $10,900. That combined with this Prosper loan gives us $18,200 which we will use to pay off $9700 of a 10k credit line and two BOA credit cards([email protected]%) This will also increase our surplus $100 per month. (Jan-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
FourLeafKlover$25.00$25.001/5/2010 8:44:08 PM
gogrannygo$25.00$25.001/5/2010 9:35:53 PM
tender-ore$25.00$25.001/5/2010 11:46:36 PM
CallMeBen$25.00$25.001/5/2010 4:53:19 PM
bomdel$25.00$25.001/6/2010 11:06:41 AM
yield-hero4$50.00$50.001/6/2010 11:18:30 AM
Serge2005$25.00$25.001/5/2010 7:09:35 PM
JayK$25.00$25.001/6/2010 11:00:53 AM
w8291$25.00$25.001/6/2010 7:31:33 PM
gentle-gold$25.00$25.001/7/2010 10:00:19 AM
LibbyZ$50.00$50.001/6/2010 10:00:57 PM
asset-caballero$25.00$25.001/7/2010 7:26:47 AM
durability-halibut$25.00$25.001/7/2010 1:32:52 PM
cassidyauction$25.00$25.001/7/2010 10:13:08 AM
anders94$25.00$25.001/7/2010 6:42:22 PM
Metasequoia$25.00$25.001/7/2010 7:22:52 PM
MrGhost$25.00$25.001/8/2010 4:58:46 AM
IceFisherman$50.00$50.001/8/2010 9:42:59 AM
jybank$50.00$50.001/8/2010 12:30:33 PM
Earnest_Money$50.00$50.001/8/2010 5:51:10 PM
dontscrewmeover1$50.00$50.001/8/2010 5:57:48 PM
heng2x$50.00$50.001/8/2010 5:38:14 PM
78$25.00$25.001/8/2010 6:02:09 PM
trumpeter5$100.00$100.001/8/2010 6:04:38 PM
wanna-help$25.00$25.001/9/2010 12:12:20 AM
Rick7925$40.00$40.001/9/2010 8:27:23 AM
heroic-platinum$25.00$25.001/9/2010 2:04:51 PM
squarebob$25.00$25.001/9/2010 4:45:40 PM
methodical-loot$25.00$25.001/9/2010 9:52:53 PM
ericd523$25.00$25.001/10/2010 11:15:44 AM
FredHead3$33.55$33.551/10/2010 5:22:00 PM
HealthyWealthNow$25.00$25.001/10/2010 9:47:37 PM
mike0034$55.00$55.001/10/2010 7:22:41 PM
Kenosplit$500.00$500.001/11/2010 9:25:25 AM
BrighterSuns$25.00$25.001/11/2010 10:59:44 AM
Californium18$75.00$75.001/11/2010 11:12:37 AM
AM2171$45.46$45.461/11/2010 11:42:54 AM
plbquic$25.00$25.001/11/2010 1:21:09 PM
ZerightGifts$100.00$100.001/11/2010 12:19:45 PM
gourd6$50.00$50.001/11/2010 1:20:01 PM
crafty$25.00$25.001/11/2010 3:39:57 PM
InvestForWealth$30.18$30.181/11/2010 2:42:58 PM
JustOneVoice$25.00$25.001/11/2010 3:55:39 PM
Capital_Infusion$35.00$35.001/11/2010 5:01:21 PM
ManhattanLender$25.00$25.001/11/2010 5:29:28 PM
respectful-integrity3$30.00$30.001/11/2010 6:21:09 PM
kind-bid-maverick$25.00$25.001/11/2010 6:38:13 PM
Trondheim_Norway$150.00$150.001/11/2010 8:38:59 PM
AF-Chief$75.00$75.001/12/2010 6:14:30 AM
dorypro$25.00$25.001/12/2010 6:35:09 AM
The-CAPS-fan$50.00$50.001/12/2010 6:02:45 AM
Shawnman19$28.00$28.001/12/2010 10:31:34 AM
JTHarris$50.00$50.001/12/2010 9:10:39 AM
booie$25.00$25.001/12/2010 9:37:42 AM
G-Love$212.14$212.141/12/2010 2:24:34 PM
rmpedi33$150.00$150.001/12/2010 1:37:39 PM
Mooser$25.00$25.001/12/2010 1:47:25 PM
whitegold24k$250.00$250.001/12/2010 2:22:03 PM
shrewd-income$100.00$100.001/12/2010 3:44:13 PM
biffmush$250.00$250.001/12/2010 2:01:43 PM
platinum-czar$400.00$400.001/12/2010 3:51:51 PM
wise-balanced-moola$25.00$25.001/12/2010 3:56:35 PM
gain-dolphin$55.30$55.301/12/2010 2:58:31 PM
dblaz5$300.00$300.001/12/2010 4:19:01 PM
givetolive$25.00$25.001/12/2010 4:07:07 PM
income-fortress$200.00$200.001/5/2010 4:47:56 PM
bowdish1$100.00$100.001/5/2010 8:43:55 PM
coin-spilunker$25.00$25.001/6/2010 9:08:33 AM
bruin558$50.00$50.001/7/2010 10:13:55 AM
durability-halibut$25.00$25.001/7/2010 1:33:56 PM
apopkawz$25.00$25.001/7/2010 10:13:07 AM
ProLoans$25.00$25.001/7/2010 10:13:18 AM
BankOfShaun$25.00$25.001/7/2010 10:13:24 AM
Recyclist$25.00$25.001/7/2010 11:02:51 AM
DrNano$50.00$50.001/7/2010 2:20:05 PM
BlueProteus$25.00$25.001/7/2010 7:07:45 PM
elegant-income3$50.00$50.001/7/2010 7:22:19 PM
unger$50.00$50.001/7/2010 9:53:46 PM
delicious-integrity7$25.00$25.001/8/2010 12:46:19 AM
BMAInvest$25.00$25.001/8/2010 7:37:35 AM
respectful-integrity3$55.00$55.001/8/2010 9:14:44 AM
lovely-leverage$35.00$35.001/8/2010 9:53:18 AM
investment-comet$25.00$25.001/8/2010 11:10:34 AM
OldManP$25.00$25.001/8/2010 2:22:59 PM
Johnab$25.00$25.001/8/2010 3:20:35 PM
exchange-cowbell5$150.00$150.001/8/2010 5:40:07 PM
benefit-squirrel$200.00$200.001/8/2010 7:59:55 PM
jakespirit$25.00$25.001/9/2010 1:05:00 AM
worth-victor6$25.00$25.001/9/2010 6:55:43 AM
cactus70$39.53$39.531/9/2010 12:01:02 PM
vineet$25.61$25.611/9/2010 9:33:57 PM
imlosttoo$43.19$43.191/10/2010 2:18:11 AM
helping-out$36.49$36.491/10/2010 12:22:59 PM
Syzygy$25.00$25.001/10/2010 1:52:23 PM
matthewa$25.00$25.001/10/2010 12:19:52 PM
spiff666$25.00$25.001/10/2010 5:21:16 PM
chrisb1414$25.00$25.001/11/2010 6:04:02 AM
principal-mermaid$36.11$36.111/10/2010 9:24:30 PM
Hola_James$55.96$55.961/11/2010 10:15:44 AM
cash-spinner$50.00$50.001/11/2010 10:44:23 AM
GABC-1$50.00$50.001/11/2010 11:11:06 AM
BankofBeth$25.00$25.001/11/2010 2:10:17 PM
namd$50.00$50.001/11/2010 4:44:27 PM
dime-neutron$25.00$25.001/11/2010 5:00:36 PM
us957165$25.00$25.001/11/2010 5:16:08 PM
JerryB96$25.00$25.001/11/2010 6:01:55 PM
StrongMonty$25.87$25.871/11/2010 7:31:46 PM
lth35$27.51$27.511/11/2010 7:48:12 PM
orange-finance-banker$50.00$50.001/11/2010 8:36:28 PM
KingCroesus$25.00$25.001/11/2010 11:33:51 PM
Oak-Parker$25.00$25.001/12/2010 12:55:02 AM
scrabbler$25.00$25.001/12/2010 6:52:58 AM
lawboy74$25.00$25.001/12/2010 6:45:51 AM
marshallmanhattan$25.00$25.001/12/2010 7:54:26 AM
GPLLending$25.00$25.001/12/2010 8:38:52 AM
Tingali$25.00$25.001/12/2010 9:02:05 AM
bestloanrate$25.00$25.001/12/2010 9:09:17 AM
all4beans$25.00$25.001/12/2010 11:03:26 AM
skillful-asset5$150.00$150.001/12/2010 9:43:40 AM
friendinmoney$66.51$66.511/12/2010 9:53:59 AM
minista$25.00$25.001/12/2010 12:17:49 PM
conductor146$25.00$25.001/12/2010 11:22:06 AM
Bob450$50.00$50.001/12/2010 11:17:26 AM
miket71$100.00$100.001/12/2010 12:12:20 PM
jetblack$50.00$50.001/12/2010 3:06:24 PM
squarebob$25.00$25.001/12/2010 3:37:24 PM
platinum-czar$100.00$63.591/12/2010 3:52:29 PM
squarebob$25.00$25.001/12/2010 3:36:03 PM
shrewd-income$150.00$150.001/12/2010 3:55:15 PM
wwwUniversal$25.00$25.001/12/2010 3:56:34 PM
130 bids
 
Borrower Payment Dependent Notes Series 441247
This series of Notes was issued and sold upon the funding of the borrower loan #40492, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Jan-06-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 29.93% Final monthly payment: $40.29
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.13%  
Lender servicing fee: 1.00% Estimated return: 9.87%  
<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: Feb-2005 Debt/Income ratio: 9%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $434 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: liberty-sleuth8 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college
This loan will be used to pay for my final college course to recieve my Bacholors degree in Biomedical Sciences, with a minor in Biomedical Physics and Business Management.? I am employed by the Department of Health and Environmental control and will be using my degree for my daily job duties.? I do have a limited credit history but I have always payed my bills on time.

Information in the Description is not verified.
Friends And Family Winning Bids
Sambamm1 has bid a total of $25.00 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SolarMoonshine$25.00$25.001/6/2010 5:16:19 PM
Spinnaker$50.00$50.001/7/2010 4:47:51 PM
marwadi-62$50.00$50.001/7/2010 4:56:00 PM
w8291$25.00$25.001/10/2010 3:46:36 PM
infomas$50.00$50.001/10/2010 4:05:02 PM
LenderExtraordinaire$25.00$25.001/10/2010 7:57:37 PM
realtormoises$25.00$25.001/11/2010 9:37:52 AM
hokee$25.00$25.001/11/2010 11:20:27 AM
toxicbutterfly$25.00$25.001/11/2010 4:30:45 PM
truth-silo$100.00$100.001/11/2010 4:55:04 PM
Sambamm1$25.00$25.001/11/2010 5:49:44 PM
one-midas$25.00$25.001/11/2010 5:51:40 PM
funimuni$25.00$25.001/11/2010 7:00:31 PM
asian808$25.00$25.001/7/2010 4:48:08 PM
Robbdogg$25.00$25.001/8/2010 10:33:03 AM
stephen_c01$25.00$25.001/8/2010 12:19:39 PM
ScottFinance$25.00$25.001/8/2010 1:00:55 PM
burnfromwithin$25.00$25.001/9/2010 1:15:06 PM
shrewd-income$25.00$25.001/9/2010 10:29:00 PM
credit-coach118$25.00$25.001/10/2010 10:01:45 AM
interest-friendship$50.00$50.001/11/2010 11:35:04 AM
CoolPlexer$25.00$25.001/11/2010 4:28:55 PM
JGuide$25.00$25.001/11/2010 5:13:29 PM
exchange-cowbell5$150.00$150.001/11/2010 6:36:29 PM
orange-finance-banker$50.00$50.001/11/2010 7:03:57 PM
yerkster1$50.00$50.001/12/2010 3:45:24 AM
26 bids
 
Borrower Payment Dependent Notes Series 441281
This series of Notes was issued and sold upon the funding of the borrower loan #40469, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-06-2010 
  Auction end date:  Jan-12-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.59% Starting monthly payment: $56.57
Final lender yield: 20.08% Final borrower rate/APR: 21.08% / 23.59% Final monthly payment: $56.57
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<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: Apr-1990 Debt/Income ratio: 19%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:8y 4m
Amount delinquent: $0 Revolving credit balance: $17,665 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: cash-ringleader3 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
Making some small improvements
Purpose of loan:
This loan will be used to make some small improvements.

My financial situation:
I am a good candidate for this loan because I have always paid my bills.

Monthly net income: $ 6750

Monthly expenses: $
??Housing: $ 1719
??Insurance: $ 140
??Car expenses: $ 335
??Utilities: $ 250
??Phone, cable, internet: $ 110
??Food, entertainment: $ 450
??Clothing, household expenses $ 200
??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
Q: what is your occupation? do you own your home? If so, what is your mortgage balance and what is the value of your home? thanks... - skillful-asset5
A: I am a Sr. Operations Manager for a distribution company and have been employed by them for over 8 years. My mortgage balance is 218,555.50, and the value is 246,000. Thanks... (Jan-06-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
robot777$40.00$40.001/6/2010 4:05:59 PM
hellasow$30.00$30.001/7/2010 9:39:31 AM
spy0$25.00$25.001/8/2010 12:04:56 PM
SolarMoonshine$25.00$25.001/8/2010 5:49:29 PM
Joshtron$30.00$30.001/9/2010 1:01:10 PM
rawsushi$200.00$200.001/10/2010 2:22:07 AM
Syzygy$25.00$25.001/10/2010 1:52:52 PM
Bank_Of_XL$100.00$100.001/10/2010 6:19:19 PM
ghinga$25.00$25.001/11/2010 7:29:57 AM
ALFLoan$25.00$25.001/11/2010 10:51:30 AM
LibbyZ$50.00$50.001/11/2010 2:17:04 PM
tornandfrayed$26.74$26.741/11/2010 5:35:42 PM
lucrative-loan$50.00$50.001/11/2010 6:01:48 PM
JCPlending$25.00$25.001/11/2010 6:32:46 PM
_SCI_$25.00$25.001/11/2010 6:12:39 PM
munro$25.00$25.001/11/2010 7:44:50 PM
vutah$25.00$25.001/11/2010 8:56:17 PM
GeoLender$25.00$25.001/11/2010 9:41:37 PM
grammaspurse$25.00$25.001/12/2010 7:01:03 AM
orange-finance-banker$25.00$25.001/12/2010 8:06:05 AM
wealth-pipeline$25.00$25.001/12/2010 8:32:34 AM
caseattle$25.00$25.001/6/2010 4:09:37 PM
skillful-asset5$75.00$75.001/6/2010 7:37:58 PM
Bob450$25.00$25.001/6/2010 8:45:29 PM
chrisjs15$25.00$25.001/7/2010 8:14:55 AM
Capit0l$25.00$25.001/8/2010 7:41:21 AM
innovator2$50.00$50.001/8/2010 9:00:13 AM
trumpeter5$100.00$100.001/8/2010 2:23:24 PM
squarebob$25.00$25.001/10/2010 12:37:09 PM
Ven58$25.00$25.001/10/2010 6:20:17 PM
Tevco_Investments$25.00$25.001/11/2010 9:05:23 AM
OSERENKUKU$25.00$25.001/11/2010 12:38:51 PM
ONECENTATATIME$30.00$30.001/11/2010 2:05:25 PM
EretzCapital$50.00$13.261/11/2010 4:47:55 PM
mercuriant$25.00$25.001/11/2010 5:29:22 PM
tnjohnso$25.00$25.001/11/2010 5:29:49 PM
respectful-integrity3$30.00$30.001/11/2010 5:46:08 PM
buffalobills$25.00$25.001/11/2010 7:10:07 PM
Thunder08$25.00$25.001/12/2010 8:42:38 AM
wwwUniversal$25.00$25.001/12/2010 8:42:58 AM
SignatureCapital$25.00$25.001/12/2010 8:32:37 AM
41 bids
 
Borrower Payment Dependent Notes Series 441493
This series of Notes was issued and sold upon the funding of the borrower loan #40477, 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:  Jan-07-2010 
  Auction end date:  Jan-09-2010 
 
Starting lender yield: 5.29% Starting borrower rate/APR: 6.29% / 6.63% Starting monthly payment: $91.66
Final lender yield: 5.10% Final borrower rate/APR: 6.10% / 6.44% Final monthly payment: $91.40
 
Auction yield range: 3.20% - 5.29% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.50%  
<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: Jul-1985 Debt/Income ratio: 13%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:18y 11m
Amount delinquent: $0 Revolving credit balance: $21,474 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: intrepid-interest3 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
snowmobile purchase
Purpose of loan? With this loan I? will be buying a snowmobile to use this winter. This time of year in Buffalo N.Y. can be trying. With the snow and tempertures? being so cold this will be a great way to pass the time till summer.

My financial situation:
I am a good candidate for this loan because??? We have just recently recieved our raise and now have the extra funds to put aside to make payments on a snowmobile. I have? paid off? my last loan for a? snowmobile and? we are looking to up grade to another.
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)
inventive-wealth2$25.00$25.001/7/2010 4:20:32 PM
kenji4861$25.00$25.001/7/2010 4:12:29 PM
lean-velocity$25.00$25.001/7/2010 4:20:15 PM
elevated-platinum5$25.00$25.001/7/2010 4:34:16 PM
Havana21$200.00$200.001/7/2010 4:34:43 PM
gold-commander0$50.00$50.001/7/2010 4:34:56 PM
leodaguy$25.00$25.001/7/2010 4:36:17 PM
Walkingcowboy$25.00$25.001/7/2010 4:36:33 PM
mikeandcat$100.00$65.001/7/2010 4:36:37 PM
selector568$500.00$500.001/7/2010 4:29:41 PM
rjblack$50.00$50.001/7/2010 4:32:08 PM
microlendblvr$100.00$100.001/7/2010 4:33:39 PM
time4aloan$25.00$25.001/7/2010 4:33:01 PM
friendly-market5$25.00$25.001/7/2010 4:33:07 PM
skillful-diversification2$25.00$25.001/7/2010 4:34:08 PM
18th_beachbum$25.00$25.001/7/2010 4:34:13 PM
larrybird$100.00$100.001/7/2010 4:33:44 PM
exciting-responsibility3$25.00$25.001/7/2010 4:35:13 PM
Gibbyland$100.00$100.001/7/2010 4:35:24 PM
tolstoy00$25.00$25.001/7/2010 4:35:28 PM
bchen78875$50.00$50.001/7/2010 4:35:55 PM
inspired-contract9$50.00$50.001/7/2010 4:36:00 PM
HealthAndSafety$100.00$100.001/7/2010 8:13:59 PM
amit_gu$25.00$25.001/8/2010 7:25:53 AM
springpanda$25.00$25.001/8/2010 11:06:18 PM
first-pragmatic-note$25.00$25.001/7/2010 4:09:23 PM
neenerman$75.00$75.001/7/2010 4:20:03 PM
aasx1108$25.00$25.001/7/2010 4:32:02 PM
fortytwo$200.00$200.001/7/2010 4:32:19 PM
responsibility-butterfly$25.00$25.001/7/2010 4:35:33 PM
auction-elvis$25.00$25.001/7/2010 4:35:37 PM
gulch$35.00$35.001/7/2010 4:36:12 PM
elasermd$50.00$50.001/7/2010 4:32:52 PM
unk1911$25.00$25.001/7/2010 4:33:14 PM
thedoctor$90.00$90.001/7/2010 4:33:28 PM
meenan$40.00$40.001/7/2010 4:33:34 PM
personal-lender$25.00$25.001/7/2010 4:34:34 PM
junctionking$25.00$25.001/7/2010 4:34:59 PM
majestic-dedication$50.00$50.001/7/2010 4:33:48 PM
honorable-yield$75.00$75.001/7/2010 4:33:57 PM
jbaum$100.00$100.001/7/2010 4:34:04 PM
lloyd_s$25.00$25.001/7/2010 4:34:27 PM
Katburg$50.00$50.001/7/2010 4:36:04 PM
first-upright-payout$50.00$50.001/7/2010 4:34:39 PM
the_winning_ticket$35.00$35.001/7/2010 4:36:24 PM
DonaldColorado$25.00$25.001/7/2010 4:34:49 PM
Attract$25.00$25.001/7/2010 4:36:29 PM
intrepid-transaction5$25.00$25.001/7/2010 4:35:02 PM
credit-force5$25.00$25.001/7/2010 4:35:04 PM
kulender$30.00$30.001/7/2010 4:35:17 PM
figs4u2$80.00$80.001/7/2010 4:35:45 PM
EmeritusX$25.00$25.001/7/2010 4:43:38 PM
52 bids
 
Borrower Payment Dependent Notes Series 441607
This series of Notes was issued and sold upon the funding of the borrower loan #40486, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-08-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $205.20
 
Auction yield range: 11.06% - 30.24% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
<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: 7 First credit line: Sep-1993 Debt/Income ratio: 12%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $10,474 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 2    
Screen name: Mryellow Borrower's state: Florida Borrower's group: Avatar Economic Solutions
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bridge loan
Purpose of loan:
This loan will be used to?pay off a 401(k) account loan, then pull $10k out to pay back this loan.? This should take two weeks or so and I am willing to accept a higher rate for quick funding.

My financial situation:
I am a good candidate for this loan because? the loan is guaranteed with 401(k) assets and its a short term loan

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1,100
??Insurance: $
??Car expenses: $ 140
??Utilities: $ 100
??Phone, cable, internet: $ 85
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: why do you need to do this? payoff 401K loan then reloan? - shrewd-income
A: yes to get a bigger loan from the 401k for debt elimination (Jan-11-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
WalnutCreekguy$25.00$25.001/8/2010 4:34:41 PM
careful-compassion$25.00$25.001/8/2010 4:36:12 PM
happyaric$100.00$100.001/8/2010 4:36:18 PM
kmr2$40.00$40.001/8/2010 4:36:02 PM
AF-Chief$28.00$28.001/8/2010 4:37:57 PM
bountiful-bazaar$25.00$25.001/8/2010 4:38:01 PM
apeloans$25.00$25.001/8/2010 4:36:22 PM
delicious-social132$25.00$25.001/8/2010 4:38:07 PM
2ravens$25.00$25.001/8/2010 4:36:30 PM
famous-bill$25.00$25.001/8/2010 4:36:37 PM
delivery$25.00$25.001/8/2010 4:38:23 PM
benefit-squirrel$25.00$25.001/8/2010 4:36:50 PM
SNH$50.00$50.001/8/2010 4:38:42 PM
runner262$25.00$25.001/8/2010 4:38:47 PM
jhouman$25.00$25.001/8/2010 4:39:01 PM
steves73$25.00$25.001/8/2010 4:39:23 PM
orange-vigilance-shower$25.00$25.001/8/2010 4:39:30 PM
affluence-tycoon$25.00$25.001/8/2010 4:39:32 PM
gala2$25.00$25.001/8/2010 4:36:11 PM
unk1911$25.00$25.001/8/2010 4:37:48 PM
copper$30.00$30.001/8/2010 4:38:15 PM
fizwahh$25.00$25.001/8/2010 4:36:52 PM
red-favorable-basis$25.00$25.001/8/2010 4:38:25 PM
intuitive-bill$25.00$25.001/8/2010 4:36:55 PM
gold-auctioneer7$25.00$25.001/8/2010 4:38:48 PM
Dubbs360$100.00$100.001/8/2010 4:38:50 PM
EnigmaNYC-29$25.00$25.001/8/2010 4:39:15 PM
Shepherd7$25.00$25.001/8/2010 4:37:39 PM
melodious-fairness$25.00$25.001/8/2010 4:39:19 PM
building_community$25.00$25.001/8/2010 4:37:54 PM
secobarbital$25.00$25.001/8/2010 4:39:44 PM
redbomb5$25.00$25.001/8/2010 4:38:18 PM
Zanthina$25.00$25.001/8/2010 4:38:27 PM
time4aloan$30.00$30.001/8/2010 4:38:28 PM
lending-bear$25.00$25.001/8/2010 4:38:31 PM
samo102us$25.00$25.001/8/2010 4:38:37 PM
skro$25.00$25.001/8/2010 4:39:04 PM
momoney2lend$25.00$25.001/8/2010 4:47:08 PM
p2ploan-leaper$25.00$25.001/8/2010 4:47:41 PM
ttrider$25.00$25.001/8/2010 4:48:17 PM
isfahanian$25.00$25.001/8/2010 4:48:20 PM
red-trade-cologne$25.00$25.001/8/2010 4:48:27 PM
red-ready-principal$100.00$100.001/8/2010 4:47:44 PM
msbutah$25.00$25.001/8/2010 4:48:48 PM
Sanford-N-Sons$25.00$25.001/8/2010 4:48:54 PM
orange-preeminant-bill$100.00$100.001/8/2010 4:59:42 PM
ImaPutz$25.00$25.001/8/2010 4:59:52 PM
contract-neutron$25.00$25.001/8/2010 4:59:55 PM
accordion8$25.00$25.001/8/2010 5:00:23 PM
blooming-dedication$50.00$50.001/8/2010 5:00:43 PM
five-star-note$35.00$35.001/8/2010 4:57:21 PM
dime-beeper$25.00$25.001/8/2010 4:59:32 PM
tallmon$25.00$25.001/8/2010 4:59:43 PM
yield-lion$25.00$25.001/8/2010 4:59:49 PM
tractorman$25.00$25.001/8/2010 4:59:54 PM
jbaum$25.00$25.001/8/2010 4:59:57 PM
puifais$25.00$25.001/8/2010 5:00:04 PM
saffron4$25.00$25.001/8/2010 5:00:27 PM
value-pole$25.00$25.001/8/2010 5:00:32 PM
orange-courageous-dedication$30.00$30.001/8/2010 5:00:39 PM
Buffer10$100.00$100.001/8/2010 5:00:42 PM
cognizant-wealth$25.00$22.001/8/2010 5:00:44 PM
melodious-fairness$25.00$25.001/8/2010 8:28:18 PM
Streamfeeder$25.00$25.001/8/2010 10:25:44 PM
penny-surgeon$25.00$25.001/8/2010 11:44:57 PM
foothillender$25.00$25.001/9/2010 7:08:38 AM
wanna-help$25.00$25.001/9/2010 12:26:06 PM
charming-point$300.00$300.001/9/2010 9:54:57 AM
exchange-cowbell5$100.00$100.001/9/2010 12:25:43 PM
elegant-income3$25.00$25.001/9/2010 1:22:52 PM
duty-sensai$150.00$150.001/10/2010 12:08:19 PM
papaloha$50.00$50.001/8/2010 4:36:08 PM
handy-justice$25.00$25.001/8/2010 4:36:20 PM
MidLifeCrisis$25.00$25.001/8/2010 4:36:23 PM
decisive-capital$50.00$50.001/8/2010 4:36:27 PM
SongBirdProphecy$25.00$25.001/8/2010 4:37:02 PM
Phantom99$25.00$25.001/8/2010 4:37:51 PM
studious-listing8$25.00$25.001/8/2010 4:34:51 PM
JS_Capital$25.00$25.001/8/2010 4:38:12 PM
spruce2$50.00$50.001/8/2010 4:38:19 PM
moola-phase$25.00$25.001/8/2010 4:38:21 PM
Gibbyland$50.00$50.001/8/2010 4:38:38 PM
supreme-hope$25.00$25.001/8/2010 4:38:44 PM
intrepid-transaction5$25.00$25.001/8/2010 4:38:58 PM
the-persistent-reward$25.00$25.001/8/2010 4:37:12 PM
NorthernFunds$25.00$25.001/8/2010 4:36:00 PM
Havana21$25.00$25.001/8/2010 4:37:46 PM
exact-loan5$30.00$30.001/8/2010 4:39:52 PM
circuitfive$25.00$25.001/8/2010 4:36:15 PM
credit-force5$25.00$25.001/8/2010 4:37:58 PM
ValyaLibra01$25.00$25.001/8/2010 4:36:25 PM
Au-Ag-Pt$25.00$25.001/8/2010 4:38:04 PM
market-builder$25.00$25.001/8/2010 4:38:06 PM
bassman2$25.00$25.001/8/2010 4:38:35 PM
junctionking$25.00$25.001/8/2010 4:38:57 PM
sloan$25.00$25.001/8/2010 4:39:36 PM
thoughtful-community7$25.00$25.001/8/2010 4:38:00 PM
dime-neutron$25.00$25.001/8/2010 4:42:04 PM
openness-prospector$25.00$25.001/8/2010 4:38:40 PM
purdue98$25.00$25.001/8/2010 4:38:53 PM
xzec777$25.00$25.001/8/2010 4:38:56 PM
DRA-Properties$25.00$25.001/8/2010 4:39:27 PM
GElender$25.00$25.001/8/2010 4:39:41 PM
loan-master996$50.00$50.001/8/2010 4:39:49 PM
andrewnar$25.00$25.001/8/2010 4:39:54 PM
GatorBux$25.00$25.001/8/2010 4:46:54 PM
direct-yield$25.00$25.001/8/2010 4:46:57 PM
bulabula$25.00$25.001/8/2010 4:47:17 PM
Berger2323$25.00$25.001/8/2010 4:48:14 PM
oldmora$50.00$50.001/8/2010 4:58:42 PM
Banker7371$25.00$25.001/8/2010 5:00:00 PM
Cai8899$30.00$30.001/8/2010 5:00:09 PM
Auburnmist$25.00$25.001/8/2010 5:00:13 PM
charming-point$300.00$300.001/8/2010 5:00:18 PM
blue-liberty-gourd$25.00$25.001/8/2010 4:48:41 PM
VBAces$25.00$25.001/8/2010 5:00:30 PM
halothane_logic$25.00$25.001/8/2010 4:49:46 PM
inspiring-reward$50.00$50.001/8/2010 5:02:13 PM
a-special-power$25.00$25.001/8/2010 4:59:35 PM
108lender$75.00$75.001/8/2010 4:59:59 PM
Supernick$25.00$25.001/8/2010 5:00:06 PM
yeti888$25.00$25.001/8/2010 4:59:00 PM
Artist_Blue$25.00$25.001/8/2010 5:00:08 PM
oreyedoc$25.00$25.001/8/2010 5:00:12 PM
jonbozeman$25.00$25.001/8/2010 5:00:14 PM
astute-dollar$50.00$50.001/8/2010 5:00:19 PM
desertoasis$25.00$25.001/8/2010 4:59:38 PM
p123$25.00$25.001/8/2010 5:00:24 PM
treasure-bliss$100.00$100.001/8/2010 4:59:40 PM
wise-extraordinary-loot$25.00$25.001/8/2010 5:00:28 PM
personal-lender$25.00$25.001/8/2010 5:00:37 PM
SirJev$25.00$25.001/8/2010 4:59:51 PM
hope-equation$50.00$50.001/8/2010 5:00:16 PM
teller$25.00$25.001/8/2010 5:00:21 PM
Thunder08$25.00$25.001/8/2010 5:11:47 PM
GeoLender$25.00$25.001/8/2010 7:27:58 PM
JustMee$25.00$25.001/8/2010 8:48:03 PM
137 bids
 
Borrower Payment Dependent Notes Series 441993
This series of Notes was issued and sold upon the funding of the borrower loan #40489, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-11-2010 
  Auction end date:  Jan-11-2010 
 
Starting lender yield: 29.14% Starting borrower rate/APR: 30.14% / 32.52% Starting monthly payment: $170.11
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $162.02
 
Auction yield range: 11.06% - 29.14% 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: 8 First credit line: Mar-1973 Debt/Income ratio: 18%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $13,985 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Homeownership: No  
Inquiries last 6m: 1    
Screen name: five-star-fairness7 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.
Description
paying of bills and getting masters
Purpose of loan:
This loan will be used to?pay of bills and help my wife get started on getting her masters degree.? I would the best for her and by her getting her masters degree will enable to get a pay increase.?

My financial situation:
I am a good candidate for this loan because and I am a hard worker and do what is best for my family.?

Monthly net income: $ over $3000

Monthly expenses: $
??Housing: $?????????????????????????????????????800
??Insurance: $????????????????????????????????????140
??Car expenses: $?????????????????????????????220
??Utilities: $?????????????????????????????????????0 part of my job
??Phone, cable, internet: $?????????????????200
??Food, entertainment: $?????????????????????300
??Clothing, household expenses $?????????500
??Credit cards and other loans: $?????????500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$26.00$26.001/11/2010 4:03:14 PM
socalavi8tor$25.00$25.001/11/2010 4:03:25 PM
metro457$40.00$40.001/11/2010 4:04:09 PM
elegant-bonus$25.00$25.001/11/2010 4:03:21 PM
MARWARISETH$25.00$25.001/11/2010 4:03:37 PM
silver-armada$50.00$50.001/11/2010 4:03:43 PM
Lender0424$30.00$30.001/11/2010 4:04:39 PM
vkorichkov$30.00$30.001/11/2010 4:03:55 PM
FeedTheMachine$200.00$200.001/11/2010 4:04:06 PM
suomynona$25.00$25.001/11/2010 4:04:51 PM
BeenThereMyself$50.00$50.001/11/2010 4:04:54 PM
listing-trapper3$50.00$50.001/11/2010 4:03:28 PM
trustu$25.00$25.001/11/2010 4:03:40 PM
head$25.00$25.001/11/2010 4:03:52 PM
shiny-dollar9$25.00$25.001/11/2010 4:03:57 PM
AKgirl81$25.00$25.001/11/2010 4:04:02 PM
attractive-rate$25.00$25.001/11/2010 4:06:06 PM
Rattlehead$25.00$25.001/11/2010 4:04:12 PM
money-explorer3$25.00$25.001/11/2010 4:06:12 PM
nellaelyob$25.00$25.001/11/2010 4:06:29 PM
five-star-note$35.00$35.001/11/2010 4:04:48 PM
wonder_dogs$25.00$25.001/11/2010 4:07:08 PM
orderly-loot$25.00$25.001/11/2010 4:05:17 PM
mledom$25.00$25.001/11/2010 4:06:33 PM
howlong2retirement$25.00$25.001/11/2010 4:05:33 PM
BlindJoeDeath$25.00$25.001/11/2010 4:05:40 PM
KiwiElf$25.00$25.001/11/2010 4:08:29 PM
SDNLR$25.00$25.001/11/2010 4:09:45 PM
HenryS$25.00$25.001/11/2010 4:08:14 PM
coin-daisy$25.00$25.001/11/2010 4:10:16 PM
Sateesh$77.23$77.231/11/2010 4:09:25 PM
Bank42$50.00$50.001/11/2010 4:09:28 PM
DadWarbucks$25.00$25.001/11/2010 4:09:40 PM
mathprof$25.00$25.001/11/2010 4:10:07 PM
yeti888$25.00$25.001/11/2010 4:12:32 PM
desertoasis$50.00$50.001/11/2010 4:12:35 PM
treasure-bliss$100.00$100.001/11/2010 4:12:39 PM
natural-greenback6$25.00$25.001/11/2010 4:23:59 PM
integrity-doctor$50.00$50.001/11/2010 4:24:19 PM
parsec9$25.00$25.001/11/2010 4:24:06 PM
Orringo$50.00$50.001/11/2010 4:24:12 PM
sensible-order2$25.00$25.001/11/2010 4:25:08 PM
GeorgiaCredit$25.00$25.001/11/2010 4:26:02 PM
mickeyroi$25.00$25.001/11/2010 4:26:48 PM
WalnutCreekguy$25.00$25.001/11/2010 4:34:06 PM
studious-listing8$25.00$25.001/11/2010 4:34:14 PM
handy-justice$25.00$25.001/11/2010 4:35:07 PM
papaloha$50.00$50.001/11/2010 4:34:56 PM
decisive-capital$50.00$50.001/11/2010 4:35:16 PM
careful-compassion$25.00$25.001/11/2010 4:35:00 PM
MidLifeCrisis$25.00$25.001/11/2010 4:35:11 PM
benefit-squirrel$25.00$25.001/11/2010 4:35:38 PM
fizwahh$25.00$25.001/11/2010 4:35:42 PM
Havana21$25.00$25.001/11/2010 4:36:22 PM
SongBirdProphecy$25.00$25.001/11/2010 4:35:51 PM
jlr613$25.00$25.001/11/2010 4:36:17 PM
Shepherd7$25.00$25.001/11/2010 4:36:14 PM
unk1911$25.00$6.161/11/2010 4:36:25 PM
contract-voltage$25.00$25.001/11/2010 4:03:23 PM
slico$25.00$25.001/11/2010 4:03:35 PM
nickel-advocator$25.00$25.001/11/2010 4:03:05 PM
cunning-bill$25.00$25.001/11/2010 4:04:15 PM
etraboulay$25.00$25.001/11/2010 4:03:48 PM
zippy-interest$25.00$25.001/11/2010 4:04:41 PM
GMOD026$25.00$25.001/11/2010 4:04:46 PM
ambmba$25.00$25.001/11/2010 4:02:54 PM
greenwell$25.00$25.001/11/2010 4:03:17 PM
docktah$25.00$25.001/11/2010 4:03:32 PM
TCayce$25.00$25.001/11/2010 4:04:59 PM
mtquan$25.00$25.001/11/2010 4:05:55 PM
green-benefit-enclave$25.00$25.001/11/2010 4:06:02 PM
acebandit$25.00$25.001/11/2010 4:05:49 PM
magusfoo$25.00$25.001/11/2010 4:04:44 PM
fcb202$25.00$25.001/11/2010 4:06:45 PM
d_grbg$25.00$25.001/11/2010 4:05:06 PM
the-silver-blaster$50.00$50.001/11/2010 4:05:13 PM
sdgrowth$25.00$25.001/11/2010 4:07:29 PM
portfolio-zone801$25.00$25.001/11/2010 4:06:38 PM
CaptPicard$25.00$25.001/11/2010 4:06:42 PM
worldly-gold$25.00$25.001/11/2010 4:05:43 PM
ixoyefreak$25.00$25.001/11/2010 4:08:05 PM
MrMoney0622$25.00$25.001/11/2010 4:06:10 PM
burgeoning-silver$25.00$25.001/11/2010 4:07:24 PM
Wellman$100.00$100.001/11/2010 4:06:54 PM
bmarch$25.00$25.001/11/2010 4:09:52 PM
forthright-dedication$100.00$100.001/11/2010 4:09:55 PM
DDHMoney$25.00$25.001/11/2010 4:08:18 PM
nourishing-hope835$25.00$25.001/11/2010 4:08:34 PM
scottr$25.00$25.001/11/2010 4:10:45 PM
lendme2$25.00$25.001/11/2010 4:08:53 PM
omerta6102$40.61$40.611/11/2010 4:09:16 PM
newbietony$25.00$25.001/11/2010 4:09:36 PM
treasure-generator$25.00$25.001/11/2010 4:10:15 PM
imlosttoo$25.00$25.001/11/2010 4:10:36 PM
principal-kung-fu$25.00$25.001/11/2010 4:10:01 PM
helping-out$25.00$25.001/11/2010 4:10:56 PM
orange-preeminant-bill$100.00$100.001/11/2010 4:12:41 PM
Orca-man$25.00$25.001/11/2010 4:24:14 PM
coin-investor$25.00$25.001/11/2010 4:24:18 PM
transaction-aggregator7$25.00$25.001/11/2010 4:23:41 PM
InvestorPartners$25.00$25.001/11/2010 4:23:57 PM
Savings_EQ_Dignity$25.00$25.001/11/2010 4:25:20 PM
truth-eclair$25.00$25.001/11/2010 4:25:31 PM
evaglamazon$25.00$25.001/11/2010 4:25:54 PM
benjamins-voyage$25.00$25.001/11/2010 4:25:57 PM
leodaguy$25.00$25.001/11/2010 4:26:35 PM
powerplant6$25.00$25.001/11/2010 4:26:46 PM
626457$25.00$25.001/11/2010 4:28:01 PM
LJLender$50.00$50.001/11/2010 4:28:03 PM
systemlender$25.00$25.001/11/2010 4:28:25 PM
murlirao2002$25.00$25.001/11/2010 4:28:27 PM
kmr2$40.00$40.001/11/2010 4:34:51 PM
marshk3$50.00$50.001/11/2010 4:34:55 PM
circuitfive$25.00$25.001/11/2010 4:35:02 PM
happyaric$100.00$100.001/11/2010 4:35:05 PM
apeloans$25.00$25.001/11/2010 4:35:09 PM
NorthernFunds$25.00$25.001/11/2010 4:34:49 PM
ValyaLibra01$25.00$25.001/11/2010 4:35:14 PM
gala2$25.00$25.001/11/2010 4:34:58 PM
famous-bill$25.00$25.001/11/2010 4:35:22 PM
intuitive-bill$25.00$25.001/11/2010 4:35:44 PM
the-persistent-reward$25.00$25.001/11/2010 4:35:58 PM
122 bids
 
Borrower Payment Dependent Notes Series 441999
This series of Notes was issued and sold upon the funding of the borrower loan #40460, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,675.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-11-2010 
  Auction end date:  Jan-18-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $75.77
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $75.77
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
<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: Nov-1987 Debt/Income ratio: 16%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 10 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:10y 0m
Amount delinquent: $0 Revolving credit balance: $3,379 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: glenn30 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: 15 ( 88% ) 600-619 (Latest)
Principal borrowed: $1,200.00< mo. late: 2 ( 12% )  
560-579 (Jun-2008)
560-579 (May-2008)
560-579 (Apr-2008)
 
Principal balance: $818.94 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
3rd re-list 2nd Prosper loan
Purpose of loan:at
This loan will be used to? pay off my first prosper loan,pay off a few personal bills ..The Pic of me is when i was a great football player and i always believe that nothing was too impossible for me to achieve. plus i never give up.....

My financial situation:
I am a good candidate for this loan because? I always pay all my bills on time never late the prosper profile report shows that i have been late twice but that is a error on prosper part because i gave them my new checking account for them to continue to take out payments but some how they debit my old account twice so i had to call them to fix the problem..i also receive a pay increase from my employer that will help me make payments on time..plus i still know the old saying if you ask for something then it shall be given..
Monthly net income: $ 3800

Monthly expenses: $ 1650
??Housing: $ 500
??Insurance: $ 95
??Car expenses: $ 518
??Utilities: $ 120
??Phone, cable, internet: $ 95
??Food, entertainment: $ 120
??Clothing, household expenses $ 160
??Credit cards and other loans: $ 159
??Other expenses: $
undefined undefined undefined
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: On your current loan, there were two payments that were slightly late. Why were the late? Is it possible that you would set up automatic payments on this loan? - seadogs
A: I open up a new checking account for business purpose..I gave prosper my new checking account number for them to continue to take out payments but some how they debit my old account twice so i had to call them to fix this problem that is why it shows being late twice on my profile..I pay all my bills on time Thanks.. (Jan-14-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
stephen_c01$25.00$25.001/11/2010 4:56:25 PM
DasMula$50.00$50.001/11/2010 6:47:48 PM
orange-finance-banker$50.00$50.001/11/2010 9:46:18 PM
best-generosity-financier$25.00$25.001/15/2010 4:26:02 PM
SolarMoonshine$25.00$25.001/15/2010 5:15:49 PM
skillful-asset5$75.00$75.001/16/2010 6:42:07 AM
marwadi-62$300.00$300.001/16/2010 9:42:43 AM
missile5$50.00$50.001/16/2010 7:08:24 PM
DasMula$100.00$100.001/16/2010 10:41:09 PM
cashhelp$25.00$25.001/16/2010 10:45:05 PM
Laxa$25.00$25.001/16/2010 10:18:42 PM
zento$25.00$25.001/17/2010 3:23:18 PM
piscary$50.00$50.001/17/2010 11:42:59 PM
Ronnieboy888$25.00$25.001/17/2010 8:36:51 PM
buffalobills$25.00$25.001/18/2010 10:09:35 AM
GeoLender$25.00$25.001/18/2010 12:28:16 PM
cunning-bill$25.00$25.001/18/2010 3:38:12 PM
twjh$25.00$25.001/18/2010 3:41:07 PM
lucrative-loan$25.00$25.001/11/2010 6:06:31 PM
Bob450$50.00$50.001/11/2010 8:34:58 PM
wanna-help$25.00$25.001/12/2010 2:40:25 PM
seadogs$25.00$25.001/13/2010 4:27:07 PM
Skeptical-one$50.00$50.001/15/2010 1:01:37 PM
gadget7$27.64$27.641/15/2010 8:21:25 PM
penny-surgeon$25.00$25.001/16/2010 10:46:10 PM
chameleon125$25.00$25.001/17/2010 9:17:40 AM
exchange-cowbell5$100.00$100.001/17/2010 1:55:37 PM
thomas16882004$25.00$25.001/18/2010 2:09:38 AM
carrinel$46.00$46.001/18/2010 8:10:48 AM
bondhedger$25.00$25.001/17/2010 11:45:29 PM
113121$25.00$25.001/18/2010 10:56:09 AM
Kqwik$30.05$30.051/18/2010 12:49:07 PM
Your_Bank$25.00$25.001/18/2010 12:12:46 PM
LAKETIME$25.00$25.001/18/2010 2:28:25 PM
Evolver$100.00$100.001/18/2010 3:40:53 PM
The-CAPS-fan$40.00$21.311/18/2010 3:48:14 PM
visionary-deal3$50.00$50.001/18/2010 2:58:51 PM
37 bids
 
Borrower Payment Dependent Notes Series 442147
This series of Notes was issued and sold upon the funding of the borrower loan #40498, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jan-12-2010 
  Auction end date:  Jan-17-2010 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $315.68
Final lender yield: 7.45% Final borrower rate/APR: 8.45% / 8.79% Final monthly payment: $315.44
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.95%  
<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: 9 First credit line: Jun-1998 Debt/Income ratio: 23%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $4,962 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: note-ladybug8 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
Business Investment
Purpose of loan:
I am a home health physical therapist who has the opportunity to?own a?percentage of a new branch of the company I work for. I will use the?$10,000?loan, along with $15,000 of my own money to buy 15% of this new branch. This company is an established business in two other cities and has done very well in a short period of time.

My financial situation:
I am a good candidate for this loan because I am now a salaried employee and will have no problem making the monthly payment. I will be getting a company car and plan to sell my existing vehicle, freeing up more money to make payments.
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)
bigdogsafety1$25.00$25.001/12/2010 4:35:56 PM
first-pragmatic-note$25.00$25.001/12/2010 4:44:52 PM
neenerman$25.00$25.001/12/2010 4:45:31 PM
selector568$400.00$400.001/12/2010 4:52:38 PM
unk1911$25.00$25.001/12/2010 4:59:30 PM
jbaum$100.00$100.001/12/2010 4:59:44 PM
first-upright-payout$50.00$50.001/12/2010 4:59:57 PM
intrepid-transaction5$25.00$25.001/12/2010 5:00:07 PM
bchen78875$50.00$50.001/12/2010 5:00:39 PM
Kaj$30.00$30.001/12/2010 5:01:02 PM
natmonkey$25.00$25.001/12/2010 5:01:12 PM
18th_beachbum$50.00$50.001/12/2010 4:59:46 PM
buukyak$25.00$25.001/12/2010 5:01:16 PM
toblerone$50.00$50.001/12/2010 5:01:18 PM
Havana21$50.00$50.001/12/2010 5:00:00 PM
teller$60.00$60.001/12/2010 5:01:31 PM
exciting-responsibility3$25.00$25.001/12/2010 5:00:14 PM
friendly-market5$25.00$25.001/12/2010 4:59:27 PM
bowdish1$100.00$100.001/12/2010 5:01:59 PM
gulch$35.00$35.001/12/2010 5:00:47 PM
lloyd_s$25.00$25.001/12/2010 4:59:48 PM
junctionking$25.00$25.001/12/2010 5:00:05 PM
wampum-optimization$50.00$50.001/12/2010 5:01:22 PM
first-fund-empenada$25.00$25.001/12/2010 5:02:51 PM
red-favorable-basis$25.00$25.001/12/2010 5:01:39 PM
responsibility-butterfly$25.00$25.001/12/2010 5:00:25 PM
leodaguy$25.00$25.001/12/2010 5:00:50 PM
SNH$50.00$50.001/12/2010 5:02:26 PM
msbutah$25.00$25.001/12/2010 5:03:35 PM
Goodlender42$25.00$25.001/12/2010 5:01:25 PM
outtahoth2o$100.00$100.001/12/2010 5:01:28 PM
dealarella$25.00$25.001/12/2010 5:03:08 PM
DukSerduk$25.00$25.001/12/2010 5:01:43 PM
mlopez2007$50.00$50.001/12/2010 5:03:17 PM
Phantom99$25.00$25.001/12/2010 5:01:56 PM
ryan23$25.00$25.001/12/2010 5:03:38 PM
promiser200$25.00$25.001/12/2010 5:06:10 PM
Fearless_Lender$25.00$25.001/12/2010 5:03:00 PM
faithey$25.00$25.001/12/2010 5:03:04 PM
durability-halibut$25.00$25.001/12/2010 5:04:53 PM
autonomous-basis$25.00$25.001/12/2010 5:05:00 PM
sb0453$25.00$25.001/12/2010 5:05:39 PM
oceanwind1950$25.00$25.001/12/2010 5:05:40 PM
bill-expert$25.00$25.001/12/2010 5:05:44 PM
OldFriend$25.00$25.001/12/2010 5:06:01 PM
diplomatic-point4$75.00$75.001/12/2010 5:07:10 PM
AmericanCredit$25.00$25.001/12/2010 5:08:31 PM
ijspence$25.00$25.001/12/2010 5:07:25 PM
AFairDeal$25.00$25.001/12/2010 5:05:22 PM
green-careful-community$25.00$25.001/12/2010 5:07:30 PM
desertoasis$25.00$25.001/12/2010 5:08:36 PM
burgeoning-silver$25.00$25.001/12/2010 5:40:05 PM
conductor146$25.00$25.001/12/2010 5:43:07 PM
influential-gain$25.00$25.001/12/2010 5:39:05 PM
spruce2$50.00$50.001/12/2010 5:47:06 PM
alaco$25.00$25.001/12/2010 5:52:31 PM
forthright-dedication$25.00$25.001/12/2010 5:41:25 PM
grampy48$25.00$25.001/12/2010 5:47:02 PM
golden-platinum7$25.00$25.001/12/2010 6:21:58 PM
me2yu$50.00$50.001/12/2010 6:25:19 PM
ljay$25.00$25.001/12/2010 6:25:33 PM
rooosta$25.00$25.001/12/2010 5:46:52 PM
Picopie$50.00$50.001/12/2010 6:25:39 PM
InvestorPartners$25.00$25.001/12/2010 5:47:00 PM
credit-coach118$40.00$40.001/12/2010 6:25:47 PM
cello1$25.00$25.001/12/2010 6:21:44 PM
Speculator$50.00$50.001/12/2010 6:26:01 PM
time4aloan$25.00$25.001/12/2010 6:25:12 PM
value-pouch$50.00$50.001/12/2010 6:25:20 PM
Reinadog9$25.00$25.001/12/2010 6:25:28 PM
meux99$25.00$25.001/12/2010 6:25:36 PM
secundus$25.00$25.001/12/2010 6:25:44 PM
Steveoo1$50.00$50.001/12/2010 6:25:55 PM
BayShell$50.00$50.001/12/2010 6:26:03 PM
wormdc$25.00$25.001/12/2010 6:21:43 PM
gatorsean2168$50.00$50.001/12/2010 6:21:54 PM
microlendblvr$100.00$100.001/12/2010 6:25:13 PM
gojackgo$25.00$25.001/12/2010 6:25:21 PM
portfolio-zone801$25.00$25.001/12/2010 6:25:35 PM
asdf9876$25.00$25.001/12/2010 6:25:41 PM
Carpetkid$50.00$50.001/12/2010 6:25:51 PM
BankofBen$25.00$25.001/12/2010 7:45:17 PM
nickel-advocator$25.00$25.001/12/2010 8:19:13 PM
open-wealth492$25.00$25.001/13/2010 8:26:14 AM
justice-dna$35.00$35.001/13/2010 10:52:24 AM
scottr$25.00$25.001/13/2010 11:21:44 AM
ClearLake$25.00$25.001/13/2010 11:22:30 AM
forthright-trade$25.00$25.001/13/2010 11:34:41 AM
newbietony$33.40$33.401/13/2010 11:21:22 AM
USMC0311$25.00$25.001/13/2010 12:49:06 PM
credit-superstar3$25.00$25.001/13/2010 1:19:49 PM
wiselady$25.00$25.001/13/2010 3:16:37 PM
DeltaComputerGuy$25.00$25.001/13/2010 3:48:46 PM
highcountry1$25.00$25.001/13/2010 6:24:07 PM
SpotLending$50.00$50.001/13/2010 8:33:47 PM
jybank$50.00$50.001/13/2010 6:31:10 PM
kmr2$60.00$60.001/13/2010 11:46:11 PM
wonderous-power$25.00$25.001/14/2010 3:40:10 AM
BigLinCT$35.99$35.991/14/2010 6:36:31 AM
LAM26$25.00$25.001/14/2010 9:43:29 AM
mdf84$25.00$25.001/14/2010 5:50:52 AM
mster9ball$25.00$25.001/14/2010 9:42:53 AM
marinade$25.00$25.001/14/2010 10:57:40 AM
ujiba$25.00$25.001/14/2010 9:01:04 AM
KiwiElf$25.00$25.001/14/2010 11:07:38 AM
smloanbigresult$25.00$25.001/14/2010 9:45:44 AM
cerebral-return3$25.00$25.001/14/2010 12:43:45 PM
Supervark$25.00$25.001/14/2010 12:49:02 PM
DadWarbucks$25.00$25.001/14/2010 12:18:34 PM
RICHMONDREB$25.00$25.001/14/2010 2:08:52 PM
roccofox$50.00$50.001/14/2010 2:35:14 PM
HunterSix$25.00$25.001/14/2010 2:34:13 PM
kirkjerk$25.00$25.001/14/2010 3:06:54 PM
flwah$25.00$25.001/14/2010 3:36:56 PM
WilliamLeeSims$50.00$50.001/14/2010 3:25:00 PM
laredotornado$25.00$25.001/14/2010 5:13:57 PM
adventure0$100.00$100.001/14/2010 8:27:10 PM
nolahelper$30.00$30.001/15/2010 6:12:11 AM
coolgenner$25.00$25.001/15/2010 6:35:46 AM
funds-control3$50.00$50.001/15/2010 6:18:49 AM
coup173$25.00$25.001/15/2010 9:37:21 AM
km007$25.00$25.001/15/2010 9:38:06 AM
Tradesmanlender$25.00$25.001/15/2010 9:40:06 AM
balance-voyager$100.00$100.001/15/2010 8:35:47 AM
determined-deal7$25.00$25.001/15/2010 9:37:41 AM
dollar-birdie$30.00$30.001/15/2010 9:37:54 AM
bayareainv$50.00$50.001/15/2010 10:45:16 AM
Supervark$50.00$50.001/15/2010 10:46:18 AM
TheBiggTree$25.00$25.001/15/2010 11:41:34 AM
generous-at-heart$25.00$25.001/15/2010 12:25:57 PM
Northsider$25.00$25.001/15/2010 11:35:51 AM
SDNLR$25.00$25.001/15/2010 11:41:47 AM
payogie$25.00$25.001/15/2010 11:55:27 AM
Rob717171$25.00$9.641/15/2010 2:18:47 PM
lean-velocity$25.00$25.001/12/2010 4:45:33 PM
solstice175$25.00$25.001/12/2010 4:46:18 PM
kenji4861$25.00$25.001/12/2010 4:45:20 PM
cash-sensai2$25.00$25.001/12/2010 4:53:33 PM
rjblack$50.00$50.001/12/2010 4:59:02 PM
majestic-dedication$50.00$50.001/12/2010 4:59:41 PM
personal-lender$25.00$25.001/12/2010 4:59:55 PM
gold-commander0$50.00$50.001/12/2010 5:00:02 PM
kulender$30.00$30.001/12/2010 5:00:17 PM
figs4u2$80.00$80.001/12/2010 5:00:28 PM
inspired-contract9$50.00$50.001/12/2010 5:00:42 PM
meenan$25.00$25.001/12/2010 4:59:38 PM
credit-force5$25.00$25.001/12/2010 5:00:09 PM
elasermd$50.00$50.001/12/2010 4:59:14 PM
elegant-income3$25.00$25.001/12/2010 5:01:45 PM
Gibbyland$100.00$100.001/12/2010 5:00:23 PM
thedoctor$90.00$90.001/12/2010 4:59:36 PM
Katburg$50.00$50.001/12/2010 5:00:44 PM
Walkingcowboy$25.00$25.001/12/2010 5:00:55 PM
mikeandcat$100.00$100.001/12/2010 5:01:00 PM
shamrocker$25.00$25.001/12/2010 5:01:08 PM
repayment-launcher$25.00$25.001/12/2010 5:02:36 PM
blooming-market$25.00$25.001/12/2010 5:02:47 PM
schpere$30.00$30.001/12/2010 5:01:34 PM
Cai8899$75.00$75.001/12/2010 5:01:37 PM
market-builder$25.00$25.001/12/2010 5:01:46 PM
delicious-social132$25.00$25.001/12/2010 5:01:53 PM
unclejaef$25.00$25.001/12/2010 5:03:24 PM
supreme-hope$25.00$25.001/12/2010 5:02:13 PM
AF-Chief$35.00$35.001/12/2010 5:01:06 PM
red-trade-cologne$25.00$25.001/12/2010 5:03:31 PM
nuclearmoose$25.00$25.001/12/2010 5:02:39 PM
mmqc$25.00$25.001/12/2010 5:02:43 PM
OCedHrt$25.00$25.001/12/2010 5:01:50 PM
heroic-platinum$25.00$25.001/12/2010 5:04:55 PM
best-vivacious-funds$25.00$25.001/12/2010 5:03:28 PM
Swabjockey$25.00$25.001/12/2010 5:05:06 PM
industrious-dedication$25.00$25.001/12/2010 5:05:35 PM
inventive-wealth2$25.00$25.001/12/2010 5:02:30 PM
green-benefit-enclave$25.00$25.001/12/2010 5:02:54 PM
30Sky$75.00$75.001/12/2010 5:06:30 PM
the-precious-bid$25.00$25.001/12/2010 5:07:23 PM
orange-finance-banker$25.00$25.001/12/2010 5:07:40 PM
noble-vigilance9$25.00$25.001/12/2010 5:08:41 PM
financelover$50.00$50.001/12/2010 5:05:54 PM
circustab$50.00$50.001/12/2010 5:06:07 PM
Dutchhunter$50.00$50.001/12/2010 5:06:16 PM
bill-bearer$50.00$50.001/12/2010 5:08:38 PM
discrete-asset$25.00$25.001/12/2010 5:38:13 PM
catomaior$25.00$25.001/12/2010 5:47:26 PM
alpinaut$25.00$25.001/12/2010 5:40:46 PM
aasx1108$25.00$25.001/12/2010 6:09:22 PM
Duchdad$25.00$25.001/12/2010 6:21:56 PM
Cheburashka$30.00$30.001/12/2010 5:42:02 PM
HamachiMan$25.00$25.001/12/2010 6:21:59 PM
cash-spinner$25.00$25.001/12/2010 6:22:09 PM
ven$25.00$25.001/12/2010 6:25:15 PM
dinero-festivity2$50.00$50.001/12/2010 6:25:23 PM
UT-Longhorn$25.00$25.001/12/2010 6:25:30 PM
elevated-platinum5$25.00$25.001/12/2010 6:25:36 PM
superstar449$25.00$25.001/12/2010 6:25:49 PM
bonus-adventure3$50.00$50.001/12/2010 6:25:54 PM
backprop$26.00$26.001/12/2010 5:47:28 PM
fortytwo$200.00$200.001/12/2010 5:47:43 PM
appastk$25.00$25.001/12/2010 6:25:16 PM
orange-courageous-dedication$40.00$40.001/12/2010 6:25:24 PM
AngleofGod$25.00$25.001/12/2010 6:25:31 PM
the-bright-velocity$25.00$25.001/12/2010 6:25:34 PM
klinebarger$25.00$25.001/12/2010 6:25:40 PM
the_winning_ticket$34.66$34.661/12/2010 6:25:50 PM
bds9646$26.00$26.001/12/2010 6:25:56 PM
scoobiedoo$25.00$25.001/12/2010 6:46:22 PM
platinum-dojo$25.00$25.001/12/2010 6:49:47 PM
equallender$25.00$25.001/12/2010 6:21:57 PM
cub510$25.00$25.001/12/2010 6:25:17 PM
seeb$25.00$25.001/12/2010 6:25:25 PM
fair-rate$25.00$25.001/12/2010 6:25:32 PM
MidLifeCrisis$50.00$50.001/12/2010 6:25:42 PM
diligent-leverage$25.00$25.001/12/2010 6:25:45 PM
skillful-diversification2$25.00$25.001/12/2010 6:25:48 PM
Pasagam$25.00$25.001/12/2010 6:25:52 PM
aventurer$25.00$25.001/12/2010 6:26:03 PM
oreyedoc$25.00$25.001/12/2010 6:26:13 PM
blot44$50.00$50.001/12/2010 8:14:45 PM
CorMDNY$25.00$25.001/12/2010 8:26:09 PM
market-assembler$45.69$45.691/12/2010 8:58:39 PM
Brainworm$25.00$25.001/13/2010 1:06:23 AM
loner001$25.00$25.001/13/2010 6:14:53 AM
cash-boots$25.00$25.001/13/2010 8:21:50 AM
Zipperdu$100.00$100.001/13/2010 9:44:32 AM
Jassi$25.00$25.001/13/2010 9:47:42 AM
zenchef$25.00$25.001/13/2010 9:47:35 AM
vegibenz$25.00$25.001/13/2010 10:21:57 AM
BigCityLending$25.00$25.001/13/2010 9:47:56 AM
archeanchaos$25.00$25.001/13/2010 11:21:33 AM
jjb3$25.00$25.001/13/2010 11:49:15 AM
julijask$28.94$28.941/13/2010 12:34:25 PM
greenwell$50.00$50.001/13/2010 12:34:54 PM
lendme2$25.00$25.001/13/2010 11:15:43 AM
the-money-gargantuan$25.00$25.001/13/2010 11:21:48 AM
worth-victor6$25.00$25.001/13/2010 1:01:03 PM
springpanda$25.00$25.001/13/2010 2:22:24 PM
WHEREISTHEMOON$25.00$25.001/13/2010 1:01:01 PM
gourd6$25.00$25.001/13/2010 1:08:15 PM
gracej$25.00$25.001/13/2010 3:43:08 PM
kginatl$25.00$25.001/13/2010 3:43:48 PM
hard-working-loot$25.00$25.001/13/2010 3:43:53 PM
CASHGIRL$40.00$40.001/13/2010 3:48:28 PM
29Palms$25.00$25.001/13/2010 7:04:04 PM
pinballeffect$75.00$75.001/13/2010 9:47:24 PM
grekhi$25.00$25.001/13/2010 9:25:09 PM
serpentine$50.00$50.001/14/2010 6:18:46 AM
creditasaurus9$25.00$25.001/14/2010 9:37:09 AM
coin-spilunker$25.00$25.001/14/2010 9:52:48 AM
sensible-order2$25.00$25.001/14/2010 10:59:54 AM
seahorse2008$25.00$25.001/14/2010 12:39:18 PM
larrybird$50.00$50.001/14/2010 12:05:35 PM
buckyhead2000$25.00$25.001/14/2010 12:52:09 PM
FjLenders$25.00$25.001/14/2010 1:38:59 PM
brightest-durability-chomper$25.00$25.001/14/2010 2:33:18 PM
jsw7us$50.00$50.001/14/2010 2:24:13 PM
note-tent$50.00$50.001/14/2010 2:34:54 PM
soroxy$25.00$25.001/14/2010 2:59:32 PM
ramsbladder$25.00$25.001/14/2010 3:27:51 PM
grasscutter$50.00$50.001/14/2010 4:23:09 PM
Fortuno_per_commodo$50.00$50.001/14/2010 4:58:39 PM
compassion-paladin042$25.00$25.001/14/2010 6:17:29 PM
peerlender$30.00$30.001/14/2010 7:50:45 PM
octoberfresh$25.00$25.001/15/2010 6:47:21 AM
thegreatone$100.00$100.001/15/2010 6:32:58 AM
determined-contract$30.00$30.001/15/2010 9:37:11 AM
commerce-web5$40.00$40.001/15/2010 9:36:38 AM
exchange-battalion$30.00$30.001/15/2010 9:36:52 AM
enriching-payout$25.00$25.001/15/2010 9:39:49 AM
verse99$25.00$25.001/15/2010 10:23:38 AM
trustedfriend$25.00$25.001/15/2010 11:22:53 AM
rolandweary$30.00$30.001/15/2010 11:00:28 AM
BankOfFrankFairness$49.68$49.681/15/2010 12:05:16 PM
hellasow$45.00$45.001/16/2010 6:02:00 AM
SpotLending$50.00$50.001/16/2010 12:39:01 PM
mecaterpillar$25.00$25.001/16/2010 10:58:29 AM
GarciaCompany$60.00$60.001/16/2010 8:25:31 PM
276 bids
 
Borrower Payment Dependent Notes Series 442287
This series of Notes was issued and sold upon the funding of the borrower loan #40461, 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: 14.0% Auction start date:  Jan-12-2010 
  Auction end date:  Jan-19-2010 
 
Starting lender yield: 30.77% Starting borrower rate/APR: 31.77% / 34.17% Starting monthly payment: $151.99
Final lender yield: 29.97% Final borrower rate/APR: 30.97% / 33.36% Final monthly payment: $150.45
 
Auction yield range: 14.06% - 30.77% Estimated loss impact: 15.37%  
Lender servicing fee: 1.00% Estimated return: 14.60%  
<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: Jan-1998 Debt/Income ratio: 71%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $1,990 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: nbcnottv Borrower's state: Utah 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: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
620-639 (Mar-2008)
 
Principal balance: $2,003.21 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Paying off high rate debt
Purpose of loan:
I will use this loan to pay off my last higher interest account. This account is in good standing and I have no issues with making the payments, just shy of 200, at the rate I am paying it off I will pay it off in four years. Three years and a lower rate would aide me greatly to improve my debt to income ratio.

My financial situation:
I am a good candidate for this loan because I am currently able to meet my obligations with little strain. The warehouse I managed closed in Feb. and the four months I was unemployed, as tough as they were, were not so dire that I was not able to meet my obligations. ????

Monthly net income: $ 2172

Monthly expenses: $ 1405
??Housing: $ 0
??Insurance: $ 120
??Car expenses: $ 600
??Utilities: $ 0
??Phone, cable, internet: $ 55
??Food, entertainment: $
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 550
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please describe the nature and stability of your profession, your employment and your employer. Thanks much and best wishes. - reflective-rupee
A: I am currently employed with an R&D company specializing in high tech ceramics and high efficiency batteries, we were featured in Popular Mechanics for a battery that will power a house for 24 hours. The company is well funded by venture groups, the D.O.D and our parent company Coors-tech. In short we are very stable. You will not the gap in employment, that was due to the bankruptcy of my former employer a gourmet food company. I was the Western distribution center manager. (Jan-14-2010)
Q: Please list the balances of each of your debts. Thanks - reflective-rupee
A: I have a car loan 15500, The personal loan that I will be getting rid of 3500, my Prosper loan 2000 and a student loan 20000. I hope that answers your questions. Regards, Nick (Jan-14-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$50.00$50.001/12/2010 8:41:00 PM
brondero$50.00$50.001/15/2010 11:33:17 AM
reflective-rupee$100.00$100.001/15/2010 4:07:26 PM
shawnw2$50.00$50.001/16/2010 6:23:30 AM
jules3304$25.00$25.001/16/2010 6:08:00 AM
OldManP$25.00$25.001/16/2010 6:52:27 PM
DJReflections$25.00$25.001/16/2010 9:34:54 PM
LEO_B$25.00$25.001/17/2010 5:41:04 AM
compassion-spy$111.22$111.221/17/2010 1:09:18 PM
Ray3486$25.00$25.001/18/2010 4:57:44 PM
credit-missile$50.00$50.001/19/2010 7:21:23 AM
yerkster1$40.00$40.001/19/2010 5:06:09 AM
credit-missile$100.00$100.001/19/2010 9:13:17 AM
sturdy-peace9$50.00$50.001/19/2010 9:23:05 AM
OGS_Capital$25.00$25.001/19/2010 8:27:09 AM
Skeptical-one$100.00$100.001/19/2010 8:49:18 AM
charming-point$300.00$114.761/19/2010 11:36:06 AM
supreme-hope$25.00$25.001/19/2010 12:23:35 PM
euro-banker$25.00$25.001/19/2010 12:44:29 PM
fireferd$150.00$150.001/19/2010 2:29:40 PM
DasMula$100.00$100.001/19/2010 3:23:39 PM
quest0$25.00$25.001/19/2010 3:34:47 PM
cunning-bill$25.00$25.001/19/2010 4:02:11 PM
ZOOOM$25.00$25.001/19/2010 3:56:39 PM
Your_Bank$25.00$25.001/19/2010 2:26:15 PM
tdorren$25.00$25.001/19/2010 2:45:31 PM
JustMee$25.00$25.001/12/2010 5:34:04 PM
reflective-rupee$100.00$100.001/13/2010 4:30:23 PM
reflective-rupee$100.00$100.001/15/2010 4:07:43 PM
reflective-rupee$100.00$100.001/15/2010 4:06:31 PM
reflective-rupee$100.00$100.001/15/2010 4:06:42 PM
reflective-rupee$100.00$100.001/15/2010 4:06:54 PM
SFBank$200.00$200.001/15/2010 6:19:11 PM
Aberdeen$300.00$300.001/15/2010 8:24:50 PM
squarebob$25.00$25.001/16/2010 7:04:21 AM
wonderous-power$25.00$25.001/16/2010 4:30:13 AM
squarebob$25.00$25.001/16/2010 7:08:02 AM
Tono$25.00$25.001/16/2010 12:20:39 PM
marwadi-62$100.00$100.001/16/2010 9:48:16 AM
tornandfrayed$31.04$31.041/16/2010 5:35:37 PM
Taz-Man-IIWIS$50.00$50.001/17/2010 7:57:44 PM
Ronnieboy888$25.00$25.001/17/2010 8:32:36 PM
vivacious-p2p3$25.00$25.001/18/2010 4:14:40 PM
lender12345$25.00$25.001/18/2010 8:15:37 PM
113121$60.00$60.001/19/2010 10:19:38 AM
Rule62$25.00$25.001/19/2010 10:49:04 AM
DasMula$100.00$100.001/19/2010 11:09:58 AM
Asimus$25.00$25.001/19/2010 1:46:37 PM
credit-missile$50.00$50.001/19/2010 2:19:16 PM
Your_Bank$25.00$25.001/19/2010 2:27:14 PM
wild-orange$25.00$25.001/19/2010 1:09:23 PM
natural-greenback6$25.00$25.001/19/2010 3:34:57 PM
worldly-gold$100.00$100.001/19/2010 3:40:32 PM
HomerdohNY$25.00$25.001/19/2010 3:25:01 PM
exchange-cowbell5$200.00$200.001/19/2010 3:58:05 PM
responsible-worth113$28.50$28.501/19/2010 3:49:04 PM
p2p-gala$39.48$39.481/19/2010 3:51:31 PM
57 bids
 
Borrower Payment Dependent Notes Series 442305
This series of Notes was issued and sold upon the funding of the borrower loan #40467, 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:  Jan-13-2010 
  Auction end date:  Jan-20-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $82.08
Final lender yield: 11.06% Final borrower rate/APR: 12.06% / 14.19% Final monthly payment: $66.49
 
Auction yield range: 11.06% - 26.40% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
<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: 8 First credit line: Jun-2001 Debt/Income ratio: 38%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $1,558 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 64%Stated income:$25,000-$49,999
Delinquencies in last 7y: 36 Homeownership: No  
Inquiries last 6m: 1    
Screen name: mhotchkiss01 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 54 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-659 (Dec-2009)
540-559 (Oct-2007)
540-559 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 54  
Description
PAY OFF TWO CREDIT CARDS
Purpose of loan:
To pay off two small credit cards. I am a believer in Prosper and what it represents and would rather pay a monthly loan to Prosper and its lenders.

My financial situation:
I am an Apartment Assistant Manager. I have reduced rent. I have very few bills.

Monthly net income: $2,000

Monthly expenses: $
??Housing: $200.00
??Insurance: $120.00
??Car expenses: NONE other than gas (I don't drive much since I live where I work)
??Utilities: $30.00
??Phone, cable, internet: Cell phone is $100.00 per month
??Food, entertainment: $200.00?
??Clothing, household expenses $50
??Credit cards and other loans: $190.00

As you can see, I can afford this prosper loan. Please consider my excellent record with Prosper when making your decision.
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: You have made 54 on time payments to Prosper which is GREAT! Would you explain how someone who has that ability to pay on time has 36 delinquencies and a public record? Thank you - CA_Lender
A: My delinquencies were from when I was 19y.o. I am now almost 27. I made some judgment errors. I started w/one credit card. I was unsure how the credit system worked. I made another bad decision when I purchased a car w/my ex that was just too expensive for us. In order to keep the car I let the credit cards go. We still ended up losing the car which then led to bankruptcy. Since then, I have learned from my mistakes! The only reason I even have cards now, is to rebuild my credit. Thank you! (Jan-14-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$300.00$300.001/15/2010 4:22:09 PM
Aberdeen$300.00$300.001/15/2010 4:33:51 PM
Aberdeen$300.00$300.001/15/2010 4:33:15 PM
Aberdeen$300.00$300.001/15/2010 4:33:11 PM
hoss359$50.00$50.001/17/2010 8:49:55 AM
lender12345$25.00$25.001/18/2010 8:16:18 PM
platinum-czar$1,000.00$725.001/20/2010 5:32:32 AM
7 bids
 
Borrower Payment Dependent Notes Series 443173
This series of Notes was issued and sold upon the funding of the borrower loan #40451, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-19-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $90.47
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<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: 5 First credit line: Jul-1990 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 49Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $930 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 21 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: jmart30702 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
Credit card debt
Purpose of loan:
(explain what you will be using this loan for)
Debt consolidation
My financial situation:
(explain why you are a good candidate for paying back this loan)
Solid job
Monthly net income: $
11000
Monthly expenses: $
??Housing: $ 3500
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1500
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please list the balances of each of your debts, including mortgage debt. Please indicate the current value of your home (feel free to use zillow.com). Thanks - reflective-rupee
A: Mortgage 499,000 House worth 550,000 (Jan-19-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.001/19/2010 10:33:46 AM
note-tent$25.00$25.001/19/2010 11:24:42 AM
SongBirdProphecy$25.00$25.001/19/2010 11:25:51 AM
Rob717171$25.00$25.001/19/2010 11:25:12 AM
Tammy102800$25.00$25.001/19/2010 11:24:45 AM
handy-justice$50.00$50.001/19/2010 11:25:20 AM
inspiring-reward$50.00$50.001/19/2010 11:25:30 AM
Soxxes$25.00$25.001/19/2010 11:25:40 AM
MidLifeCrisis$25.00$25.001/19/2010 11:25:43 AM
zippy-interest$25.00$25.001/19/2010 11:35:34 AM
time4aloan$25.00$25.001/19/2010 11:37:14 AM
rock-turner$25.00$25.001/19/2010 11:41:46 AM
bold-principal-thinker$25.00$25.001/19/2010 11:39:10 AM
indomitable-dedication$25.00$25.001/19/2010 11:45:30 AM
Raven39$25.00$25.001/19/2010 11:54:02 AM
falcon88dp$25.00$25.001/19/2010 11:58:33 AM
lowcostmoney$25.00$25.001/19/2010 12:23:40 PM
imlosttoo$25.00$25.001/19/2010 12:25:36 PM
acebandit$25.00$25.001/19/2010 12:26:14 PM
glowing-commerce$25.00$25.001/19/2010 12:27:01 PM
mizount$25.00$20.001/19/2010 12:27:13 PM
oceanwind1950$25.00$25.001/19/2010 12:25:04 PM
TrustinOthers$25.00$25.001/19/2010 12:26:08 PM
influential-gain$25.00$25.001/19/2010 12:26:14 PM
reflective-rupee$25.00$25.001/19/2010 12:36:59 PM
reflective-rupee$25.00$25.001/19/2010 12:37:24 PM
Rogesparkguy$25.00$25.001/19/2010 12:27:02 PM
reflective-rupee$25.00$25.001/19/2010 12:38:12 PM
kt103099$25.00$25.001/19/2010 11:24:40 AM
delicious-social132$25.00$25.001/19/2010 11:25:35 AM
Phantom99$25.00$25.001/19/2010 11:25:39 AM
WalnutCreekguy$25.00$25.001/19/2010 11:24:56 AM
kegs$100.00$100.001/19/2010 11:25:05 AM
unk1911$25.00$25.001/19/2010 11:26:38 AM
niceville80$25.00$25.001/19/2010 11:25:09 AM
forthright-dedication$25.00$25.001/19/2010 11:25:17 AM
larrybird$100.00$100.001/19/2010 11:25:23 AM
ryan23$25.00$25.001/19/2010 11:25:46 AM
Orringo$50.00$50.001/19/2010 11:25:58 AM
Diamond_Jim$25.00$25.001/19/2010 11:36:38 AM
putian47$25.00$25.001/19/2010 11:37:41 AM
atothez$50.00$50.001/19/2010 11:40:34 AM
graceful-investment$25.00$25.001/19/2010 11:41:43 AM
NorthernFunds$25.00$25.001/19/2010 11:46:13 AM
DasMula$25.00$25.001/19/2010 11:52:15 AM
brooklynjoe$25.00$25.001/19/2010 11:53:01 AM
famous-bill$75.00$75.001/19/2010 11:51:30 AM
nourishing-hope835$25.00$25.001/19/2010 11:56:09 AM
PRGuyinVA$25.00$25.001/19/2010 11:52:05 AM
neerglopnire$25.00$25.001/19/2010 11:58:37 AM
tsg2007$25.00$25.001/19/2010 12:06:07 PM
STOCKBROKER1$25.00$25.001/19/2010 12:25:48 PM
jasonrossi11$30.00$30.001/19/2010 12:25:53 PM
red-ready-principal$100.00$100.001/19/2010 12:25:47 PM
Duanep01$25.00$25.001/19/2010 12:25:49 PM
lisyuan$25.00$25.001/19/2010 12:26:07 PM
careful-compassion$25.00$25.001/19/2010 12:26:10 PM
thomas16882004$25.00$25.001/19/2010 12:36:28 PM
reflective-rupee$25.00$25.001/19/2010 12:37:11 PM
reflective-rupee$25.00$25.001/19/2010 12:37:59 PM
reflective-rupee$25.00$25.001/19/2010 12:37:35 PM
reflective-rupee$25.00$25.001/19/2010 12:37:48 PM
62 bids