Sales Report:Supplement No. 123 dated Jan 26, 2010 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
418837
This series of Notes was issued and sold upon the funding of the borrower loan #40560, 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-11-2010 |
| |
Auction end date:
| Jan-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 33.85% |
Final borrower rate/APR:
| 34.85% / 37.30% |
Final monthly payment:
| $90.30 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 20.00% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.85% | | |
<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:
| Nov-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Jan-2010) |
Current / open credit lines:
| 3
/
3 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 6y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| animallover54 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 18 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $7,200.00 | < mo. late:
| 0
( 0% )
| 660-679
(Mar-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
purchase office equipment
Purpose of loan:
Need to buy a new office equipment, computer, printer and fax
My financial situation:
I am a good candidate for this loan because I have shown through my other loans that I have the reliability and conviction to repay?money that I borrow. ?
Monthly net income: $?3750
Monthly expenses: $?
??Insurance: $ 175
??Utilities: $?145
??Phone, cable, internet: $ 85
??Clothing, household expenses $ 150
??Other expenses: $ 75
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 a self employed postal worker? - balanced-balance6
A:
It is a postal contract Delivering the mail but not actually part of the post office. I Get paid from the post office but Have to pay my own expenses
(Jan-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 1/11/2010 4:38:35 PM |
| JGuide | $25.00 | $25.00 | 1/11/2010 6:55:55 PM |
| fortytwo | $100.00 | $100.00 | 1/12/2010 2:52:30 PM |
| exchange-cowbell5 | $200.00 | $200.00 | 1/13/2010 9:17:11 AM |
| five-star-note | $100.00 | $100.00 | 1/13/2010 2:44:57 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:16:53 PM |
| Unitas4302 | $100.00 | $100.00 | 1/13/2010 4:19:13 PM |
| DirtyJackBoner | $50.00 | $50.00 | 1/13/2010 7:21:35 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:17:22 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:17:47 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:18:08 PM |
| innovator2 | $50.00 | $50.00 | 1/13/2010 6:38:06 PM |
| JustMee | $25.00 | $25.00 | 1/14/2010 8:41:30 AM |
| JGuide | $25.00 | $25.00 | 1/14/2010 4:23:22 PM |
| credit-maestro | $53.34 | $53.34 | 1/14/2010 6:27:56 PM |
| Rulea72 | $39.80 | $39.80 | 1/14/2010 7:15:20 PM |
| Happy-Man | $25.00 | $25.00 | 1/14/2010 10:45:29 PM |
| farblest | $54.19 | $54.19 | 1/14/2010 6:45:56 PM |
| boo_hoo | $50.00 | $50.00 | 1/14/2010 7:29:58 PM |
| draggon77 | $25.00 | $25.00 | 1/14/2010 7:45:34 PM |
| Capit0l | $25.00 | $25.00 | 1/15/2010 6:31:39 AM |
| reflective-rupee | $25.00 | $25.00 | 1/14/2010 9:47:10 PM |
| reflective-rupee | $25.00 | $25.00 | 1/14/2010 9:47:22 PM |
| reflective-rupee | $25.00 | $25.00 | 1/14/2010 9:47:58 PM |
| cash2lendu | $50.00 | $50.00 | 1/14/2010 10:20:25 PM |
| _SCI_ | $25.00 | $25.00 | 1/15/2010 6:08:47 AM |
| Leshan | $50.00 | $50.00 | 1/15/2010 9:49:35 AM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 8:40:16 AM |
| hellasow | $25.00 | $25.00 | 1/12/2010 12:25:26 AM |
| Bob450 | $25.00 | $25.00 | 1/11/2010 9:54:04 PM |
| SolarMoonshine | $50.00 | $50.00 | 1/12/2010 6:40:02 PM |
| asset-control2 | $50.00 | $50.00 | 1/13/2010 7:12:34 AM |
| capital-galaxy | $300.00 | $1.09 | 1/13/2010 8:59:14 AM |
| Skeptical-one | $25.00 | $25.00 | 1/13/2010 8:42:07 AM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:16:43 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:17:11 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:17:02 PM |
| DenimCapital | $25.00 | $25.00 | 1/13/2010 6:18:21 PM |
| martymaniaman | $25.00 | $25.00 | 1/14/2010 7:42:01 AM |
| EEasyMoney | $25.00 | $25.00 | 1/14/2010 7:44:22 AM |
| boodo | $66.58 | $66.58 | 1/14/2010 8:14:56 AM |
| Sonihal | $35.00 | $35.00 | 1/14/2010 4:21:53 PM |
| Your_Bank | $25.00 | $25.00 | 1/14/2010 5:10:07 PM |
| icanloanit2u | $25.00 | $25.00 | 1/14/2010 6:03:46 PM |
| bonus-quark4 | $25.00 | $25.00 | 1/14/2010 6:58:05 PM |
| finance-vault | $25.00 | $25.00 | 1/14/2010 9:05:56 PM |
| lender12345 | $25.00 | $25.00 | 1/14/2010 9:36:47 PM |
| reflective-rupee | $25.00 | $25.00 | 1/14/2010 9:47:40 PM |
| glenium | $25.00 | $25.00 | 1/15/2010 4:12:04 AM |
| Peterman | $50.00 | $50.00 | 1/15/2010 8:49:50 AM |
| credit-coach118 | $25.00 | $25.00 | 1/15/2010 11:09:41 AM |
| compuguy8 | $25.00 | $25.00 | 1/15/2010 10:55:06 AM |
| 52 bids
|
Borrower Payment Dependent Notes Series
441467
This series of Notes was issued and sold upon the funding of the borrower loan #40569, 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-11-2010 |
| |
Auction end date:
| Jan-16-2010 |
|
|
Starting lender yield:
| 20.49% |
Starting borrower rate/APR:
| 21.49% / 25.31% |
Starting monthly payment:
| $37.93 |
|
Final lender yield:
| 17.08% |
Final borrower rate/APR:
| 18.08% / 21.82% |
Final monthly payment:
| $36.19 |
| |
|
Auction yield range:
| 8.06% - 20.49% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.19% | | |
<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-1995 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (Jan-2010) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 13 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,000 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 100% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| trade-splendor |
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.
Description
Car repairs and Vet bills
Purpose of loan:
This loan will be used to?
Vet clinic bill and Car repairs have taken two paychecks in a row and car still needs more repairs.
My financial situation:
I am a good candidate for this loan because?
I only need $600.00 but $1000.00 is the lowest I can apply for. I've owned my own house and payed off 3 cars at the same time. I would prefer not to borrow money but, unexpected events have left me with no choice. The timing for needing this cash is critical, car repairs, and I hate the prospect of paying 500% to a payday loan shark.
Monthly net income: $
Monthly expenses: $
??Housing: $
600.00
??Insurance: $
35.00
??Car expenses: $
Just Repairs ??
??Utilities: $
60.00
??Phone, cable, internet: $
66.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| USNavyVet | $25.00 | $25.00 | 1/11/2010 4:25:25 PM |
| toxicbutterfly | $25.00 | $25.00 | 1/11/2010 4:45:43 PM |
| scottr | $25.00 | $25.00 | 1/12/2010 11:46:08 AM |
| Pickmar | $25.00 | $25.00 | 1/13/2010 10:21:12 AM |
| nickel-pipeline | $33.00 | $33.00 | 1/13/2010 10:24:08 AM |
| Rince925 | $64.44 | $64.44 | 1/13/2010 5:46:39 PM |
| Unitas4302 | $50.00 | $50.00 | 1/13/2010 4:15:37 PM |
| wwwUniversal | $25.00 | $25.00 | 1/14/2010 9:05:05 AM |
| Syzygy | $25.00 | $25.00 | 1/14/2010 9:56:54 AM |
| LarWit1512 | $25.00 | $22.49 | 1/14/2010 12:12:13 PM |
| hellasow | $25.00 | $25.00 | 1/14/2010 2:01:41 PM |
| dt_one | $25.00 | $25.00 | 1/15/2010 11:35:45 AM |
| the-profit-oracle | $25.00 | $25.00 | 1/15/2010 3:10:14 PM |
| zento | $25.00 | $25.00 | 1/15/2010 3:07:36 PM |
| hoss359 | $100.00 | $100.00 | 1/15/2010 4:38:48 PM |
| Streamfeeder | $25.00 | $25.00 | 1/15/2010 7:19:36 PM |
| Mindful7 | $25.00 | $25.00 | 1/16/2010 7:01:18 AM |
| Leshan | $50.00 | $50.00 | 1/16/2010 9:13:22 AM |
| SeminoleHoldings | $28.23 | $28.23 | 1/16/2010 9:25:17 AM |
| SmallTown5 | $25.00 | $25.00 | 1/14/2010 6:32:57 PM |
| ddoneday | $30.00 | $30.00 | 1/15/2010 4:42:03 AM |
| steady-dime | $111.84 | $111.84 | 1/15/2010 4:46:36 AM |
| dante168 | $25.00 | $25.00 | 1/15/2010 6:51:28 AM |
| MattProsper | $50.00 | $50.00 | 1/15/2010 4:58:08 PM |
| CaptainLender | $35.00 | $35.00 | 1/16/2010 8:23:28 AM |
| GS-ROCK | $25.00 | $25.00 | 1/16/2010 7:56:50 AM |
| nalaari | $50.00 | $50.00 | 1/16/2010 11:06:19 AM |
| 27 bids
|
Borrower Payment Dependent Notes Series
441687
This series of Notes was issued and sold upon the funding of the borrower loan #40553, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Jan-08-2010 |
| |
Auction end date:
| Jan-15-2010 |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 9.34% |
Starting monthly payment:
| $47.70 |
|
Final lender yield:
| 5.52% |
Final borrower rate/APR:
| 6.52% / 6.86% |
Final monthly payment:
| $45.99 |
| |
|
Auction yield range:
| 3.06% - 8.00% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.92% | | |
<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:
| Sep-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 840-859 (Jan-2010) |
Current / open credit lines:
| 7
/
7 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,144 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 9% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dcm6276 |
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
Lender of 41 Loans to Reinvest
Purpose of loan:
This loan will be used to re-invest in Prosper.? I have been a Prosper lender for nearly 3 years, with?41 loans thus far.
My financial situation:
I am a good candidate for this loan because I have been a member since?November?10th, 2006, and I have provided the Prosper community with?41 loans?to-date.?I am a?person of high?integrity, and I ALWAYS repay my debts.
I have a Bachelors of Science in both Finance and Real Estate from Florida State University.? I buy and sell residential real estate in Atlanta, Georgia, and I also spend quite a bit of time investing in the stock market. I make $50,000-$60,000 annually, not including a steady stream of stock dividends which I reinvest in the stock market. I have gained a keen understanding?of what to look for in potential borrowers, and will reinvest this loan wisely.? Feel 100% confident in bidding on this loan as I will NOT tarnish my status as a lender?on Prosper, and regardless of how I do reinvesting, I have plenty of savings and can easily repay this debt on a moment?s notice.?
Please bid with confidence, as this is as "sure" as a loan you can make.? Feel free to ask any questions.? Thanks!
***Please note that my last listing, which was bid down to 4.8%,?did not become active because I was out of town and could not send in all of the required paperwork to Prosper in the?few days that they give you to do so following the end of an auction.? I HAVE submitted all required documentation and this auction will become active shortly after it ends!!
Thanks! And like I said before, have no worries...I will pay this loan!!!
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:
According to the website that analyzes your loans, you invest in loans with high interest but a very high default rate, which makes your projected return negative. What have you learned from this? - a2190b
A:
I have had 0 late/defaulted loans in the past 1.5 years. As I mention, I have a completely new investment plan that I have been working on for the past 2 years.
If you notice, all of the loans I have made in the past 1.5 years are current, with no late payments.
So, to answer your question, I have learned what loans to avoid investing in.
Thanks for your interest.
(Jan-13-2010)
Q:
Hi,
You seem to know what you're doing with regards to lending. Can you teach me some of the criteria you use to pick out good loans to invest in? - asset-control2
A:
I would love to help, but I have been creating my new strategy and tracking the performance of it for over two years now. Revelaing this publically would create more competition by people copying the same criteria, in turn, driving rates down.
However, you are welcome to track new loans that I make at ericscc.com.
Best of luck in the future.
(Jan-13-2010)
Q:
What rate of return are you anticipating when you invest the $1,500, funding Prosper loans ? - nickel-master
A:
Part of my new investment strategy involves only lending to borrowers at a rate of 20% or higher.....I am anticipating a very low default rate through this new strategy, so I would expect a net return of at least 15%.
I have been tracking the data from a large sample of loans from the past 2 years, all falling into my investment criteria, and I have seen nothing but positive results thus far.
Regardless of how well I do reinvesting, I can repay this loan at any time with no problem.
(Jan-13-2010)
Q:
Didn't u have a loan on here before? What happened with that loan request? - djmjkelso
A:
Yes, please read the description as to why I am re-listing.
(Jan-13-2010)
Q:
My Bad, I guess next time, I should read the entire description before asking a question! - djmjkelso
A:
No problem, thanks for your interest!
(Jan-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Nash2065 | $25.00 | $25.00 | 1/9/2010 5:55:43 PM |
| soilchem | $25.00 | $25.00 | 1/11/2010 8:09:24 PM |
| zzztimbo | $34.62 | $34.62 | 1/12/2010 7:12:01 AM |
| Dollars4Rent | $25.00 | $25.00 | 1/12/2010 7:41:46 AM |
| GABC-1 | $100.00 | $100.00 | 1/14/2010 4:36:03 PM |
| catalystcf | $25.00 | $25.00 | 1/14/2010 7:37:09 PM |
| thepillowsack | $25.00 | $25.00 | 1/15/2010 7:08:55 AM |
| crdcteng | $25.00 | $25.00 | 1/15/2010 9:55:50 AM |
| axelducheck | $25.00 | $25.00 | 1/15/2010 10:50:42 AM |
| iolaire | $25.00 | $25.00 | 1/15/2010 11:08:29 AM |
| Astyanax | $25.00 | $25.00 | 1/15/2010 11:32:54 AM |
| bankar | $25.00 | $25.00 | 1/15/2010 2:06:43 PM |
| EliteCapital | $25.00 | $25.00 | 1/15/2010 2:21:28 PM |
| SanJoser | $25.00 | $25.00 | 1/15/2010 3:53:42 PM |
| hellasow | $25.00 | $25.00 | 1/8/2010 8:10:06 PM |
| JazzFranchise | $50.00 | $50.00 | 1/9/2010 9:16:59 PM |
| Iloanyoumoney | $25.00 | $25.00 | 1/10/2010 4:29:47 PM |
| Lefty_the_Lender | $25.00 | $25.00 | 1/10/2010 1:28:14 PM |
| CorporateRaider | $25.00 | $25.00 | 1/10/2010 11:43:00 PM |
| elevated-finance | $25.00 | $25.00 | 1/11/2010 6:03:33 PM |
| heeeley | $25.00 | $25.00 | 1/12/2010 11:21:30 AM |
| ultimate-commitment | $25.00 | $25.00 | 1/12/2010 8:10:33 PM |
| dbanwart | $50.00 | $50.00 | 1/14/2010 5:08:23 PM |
| Dan4703 | $25.00 | $25.00 | 1/14/2010 7:10:39 PM |
| JerryB96 | $25.00 | $25.00 | 1/14/2010 5:55:06 PM |
| bossyboots01 | $25.00 | $25.00 | 1/15/2010 4:03:28 AM |
| market-atlantis | $25.00 | $25.00 | 1/15/2010 8:02:54 AM |
| rl164 | $50.00 | $50.00 | 1/15/2010 8:49:39 AM |
| kf88 | $30.00 | $30.00 | 1/15/2010 8:52:45 AM |
| Whosonfirst | $28.16 | $28.16 | 1/15/2010 10:46:36 AM |
| TJRCapital | $30.00 | $30.00 | 1/15/2010 9:59:33 AM |
| dpries123 | $25.00 | $25.00 | 1/15/2010 11:57:44 AM |
| wild-orange | $25.00 | $25.00 | 1/15/2010 3:06:58 PM |
| jybank | $100.00 | $100.00 | 1/15/2010 4:00:34 PM |
| cwegert | $971.00 | $352.22 | 1/15/2010 4:27:13 PM |
| selo80 | $50.00 | $50.00 | 1/15/2010 4:27:38 PM |
| 36 bids
|
Borrower Payment Dependent Notes Series
441759
This series of Notes was issued and sold upon the funding of the borrower loan #40564, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,750.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Jan-11-2010 |
| |
Auction end date:
| Jan-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $214.87 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $214.87 |
| |
|
Auction yield range:
| 14.06% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
<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:
| Sep-2004 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-679 (Jan-2010) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 6 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,398 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 79% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| worldly-kindness7 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
An auto loan to buy a used car
Purpose of loan:
This loan will be used to purchase a used 2003 Honda Civic with approximately 80,000 miles.? This car will be used so I can travel to work.? The car has good gas mileage and is in excellent condition.? This car will replace my current one which has engine trouble.
My financial situation:
I am a good candidate for this loan because I have a full time job.??My?debt includes a credit card, which I owe approximately $4,000.? I pay my parents $250 per month towards rent.? My parents pay for the other expenses in our home.
Monthly net income: $ 1567.85
Monthly expenses: $
??Housing: $ 250
??Insurance: $ 50
??Car expenses: $?100
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $50.00 | $50.00 | 1/11/2010 4:30:47 PM |
| kt103099 | $25.00 | $25.00 | 1/11/2010 4:32:28 PM |
| Tammy102800 | $25.00 | $25.00 | 1/11/2010 4:32:33 PM |
| kegs | $100.00 | $100.00 | 1/11/2010 4:32:37 PM |
| larrybird | $100.00 | $100.00 | 1/11/2010 4:32:47 PM |
| atothez | $50.00 | $50.00 | 1/11/2010 4:32:50 PM |
| market-builder | $25.00 | $25.00 | 1/11/2010 4:33:05 PM |
| delicious-social132 | $25.00 | $25.00 | 1/11/2010 4:33:09 PM |
| Phantom99 | $25.00 | $25.00 | 1/11/2010 4:33:12 PM |
| MidLifeCrisis | $25.00 | $25.00 | 1/11/2010 4:33:34 PM |
| forthright-dedication | $25.00 | $25.00 | 1/11/2010 4:32:43 PM |
| LR_Biker | $25.00 | $25.00 | 1/11/2010 4:32:54 PM |
| ryan23 | $25.00 | $25.00 | 1/11/2010 4:35:27 PM |
| SongBirdProphecy | $25.00 | $25.00 | 1/11/2010 4:35:54 PM |
| Orringo | $50.00 | $50.00 | 1/11/2010 4:36:06 PM |
| flexible-economy2 | $50.00 | $50.00 | 1/11/2010 4:38:20 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 1/11/2010 4:51:23 PM |
| blue-liberty-gourd | $25.00 | $25.00 | 1/11/2010 4:51:27 PM |
| jldallover | $25.00 | $25.00 | 1/11/2010 4:52:25 PM |
| integrity-disk | $25.00 | $25.00 | 1/11/2010 5:01:20 PM |
| bold-principal-thinker | $25.00 | $25.00 | 1/11/2010 5:01:12 PM |
| p2ploan-leaper | $25.00 | $25.00 | 1/11/2010 5:27:58 PM |
| SolarMoonshine | $25.00 | $25.00 | 1/11/2010 6:12:43 PM |
| selfmademan | $25.00 | $25.00 | 1/11/2010 5:47:16 PM |
| GeoLender | $25.00 | $25.00 | 1/11/2010 9:26:21 PM |
| Bob450 | $50.00 | $50.00 | 1/11/2010 9:43:22 PM |
| thetropics18 | $25.00 | $25.00 | 1/11/2010 11:13:26 PM |
| SMARTDISK | $25.00 | $25.00 | 1/12/2010 12:46:19 AM |
| pemb0023 | $25.00 | $25.00 | 1/12/2010 7:34:07 AM |
| green-careful-community | $25.00 | $25.00 | 1/12/2010 5:51:39 AM |
| fuzed | $25.00 | $25.00 | 1/12/2010 10:04:06 AM |
| WMY-Investor | $25.00 | $25.00 | 1/12/2010 12:17:16 PM |
| payout-point | $25.00 | $25.00 | 1/12/2010 11:21:16 AM |
| skiingawfs | $25.00 | $25.00 | 1/12/2010 2:56:36 PM |
| felicity-daydream | $100.00 | $100.00 | 1/12/2010 12:57:44 PM |
| exchange-cowbell5 | $150.00 | $150.00 | 1/12/2010 7:38:59 PM |
| alluring-yield5 | $40.00 | $40.00 | 1/13/2010 11:04:11 AM |
| reflective-rupee | $50.00 | $50.00 | 1/13/2010 3:00:01 PM |
| Capit0l | $25.00 | $25.00 | 1/13/2010 3:53:07 PM |
| rock-turner | $25.00 | $25.00 | 1/14/2010 9:38:06 AM |
| reflective-rupee | $25.00 | $25.00 | 1/14/2010 1:43:07 PM |
| reflective-rupee | $50.00 | $50.00 | 1/14/2010 1:42:32 PM |
| reflective-rupee | $25.00 | $25.00 | 1/14/2010 1:42:55 PM |
| mt3209 | $25.00 | $25.00 | 1/14/2010 3:12:27 PM |
| Unitas4302 | $50.00 | $50.00 | 1/14/2010 4:11:46 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 1/15/2010 5:40:52 AM |
| well-mannered-income3 | $50.00 | $50.00 | 1/14/2010 7:43:07 PM |
| productive-ore | $25.00 | $25.00 | 1/14/2010 8:06:35 PM |
| bright-exchange | $25.00 | $25.00 | 1/15/2010 7:43:46 AM |
| piter-to-la-investment | $25.00 | $25.00 | 1/15/2010 12:45:23 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:11:55 PM |
| reflective-rupee | $50.00 | $50.00 | 1/15/2010 3:38:55 PM |
| reflective-rupee | $50.00 | $50.00 | 1/15/2010 3:39:31 PM |
| CASHGIRL | $25.00 | $25.00 | 1/15/2010 2:18:58 PM |
| reflective-rupee | $50.00 | $50.00 | 1/15/2010 3:39:18 PM |
| reflective-rupee | $50.00 | $50.00 | 1/15/2010 3:40:18 PM |
| vest_vortex | $25.00 | $25.00 | 1/15/2010 5:37:40 PM |
| Tono | $25.00 | $25.00 | 1/15/2010 4:22:54 PM |
| Marfloogan | $25.00 | $25.00 | 1/15/2010 4:49:45 PM |
| BankofBen | $25.00 | $25.00 | 1/11/2010 4:32:25 PM |
| note-tent | $25.00 | $25.00 | 1/11/2010 4:32:30 PM |
| WalnutCreekguy | $25.00 | $25.00 | 1/11/2010 4:32:35 PM |
| niceville80 | $25.00 | $25.00 | 1/11/2010 4:32:40 PM |
| inspiring-reward | $50.00 | $50.00 | 1/11/2010 4:33:01 PM |
| handy-justice | $50.00 | $50.00 | 1/11/2010 4:32:45 PM |
| Rob717171 | $25.00 | $25.00 | 1/11/2010 4:32:42 PM |
| Soxxes | $25.00 | $25.00 | 1/11/2010 4:33:20 PM |
| careful-compassion | $25.00 | $25.00 | 1/11/2010 4:33:28 PM |
| studious-responsibility | $25.00 | $25.00 | 1/11/2010 4:34:10 PM |
| zippy-interest | $25.00 | $25.00 | 1/11/2010 4:46:48 PM |
| return-tycoon3 | $25.00 | $25.00 | 1/11/2010 4:48:00 PM |
| red-ready-principal | $100.00 | $100.00 | 1/11/2010 4:50:08 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/11/2010 4:50:20 PM |
| time4aloan | $25.00 | $25.00 | 1/11/2010 4:56:11 PM |
| downbet | $25.00 | $25.00 | 1/11/2010 4:56:44 PM |
| imlosttoo | $25.00 | $25.00 | 1/11/2010 4:57:58 PM |
| putian47 | $25.00 | $25.00 | 1/11/2010 4:57:40 PM |
| evaglamazon | $25.00 | $25.00 | 1/11/2010 5:01:22 PM |
| wise-silver-wonder | $25.00 | $25.00 | 1/11/2010 5:02:45 PM |
| awesome-benefit1 | $25.00 | $25.00 | 1/11/2010 7:58:44 PM |
| orange-finance-banker | $50.00 | $50.00 | 1/11/2010 8:46:32 PM |
| oceanwind1950 | $25.00 | $25.00 | 1/12/2010 3:57:31 AM |
| cklb | $50.00 | $50.00 | 1/12/2010 5:00:00 AM |
| noble-revenue | $100.00 | $100.00 | 1/12/2010 7:09:06 AM |
| Georgetastic | $25.00 | $25.00 | 1/12/2010 11:35:32 AM |
| RayEarth | $25.00 | $25.00 | 1/12/2010 7:40:19 PM |
| newest-greenback-force | $25.00 | $25.00 | 1/13/2010 9:42:19 AM |
| penny-surgeon | $25.00 | $25.00 | 1/13/2010 3:00:42 PM |
| reflective-rupee | $50.00 | $50.00 | 1/13/2010 2:59:50 PM |
| SeaSkyGuy71 | $25.00 | $25.00 | 1/13/2010 10:34:30 PM |
| graceful-investment | $25.00 | $25.00 | 1/14/2010 9:38:02 AM |
| silver-frog0 | $300.00 | $300.00 | 1/14/2010 10:43:18 AM |
| JustMee | $25.00 | $25.00 | 1/14/2010 8:42:56 AM |
| reflective-rupee | $50.00 | $50.00 | 1/14/2010 1:42:42 PM |
| Whipster | $25.00 | $25.00 | 1/14/2010 7:31:09 PM |
| jscig | $40.99 | $40.99 | 1/15/2010 7:04:09 AM |
| foofiter | $50.00 | $50.00 | 1/15/2010 7:27:52 AM |
| buffalobills | $25.00 | $25.00 | 1/15/2010 8:19:29 AM |
| indomitable-dedication | $25.00 | $25.00 | 1/15/2010 9:38:16 AM |
| NorthernFunds | $25.00 | $25.00 | 1/15/2010 11:00:49 AM |
| brondero | $50.00 | $50.00 | 1/15/2010 11:25:47 AM |
| himistu22 | $43.17 | $43.17 | 1/15/2010 12:49:42 PM |
| cashhelp | $25.00 | $25.00 | 1/15/2010 3:11:19 PM |
| reflective-rupee | $50.00 | $50.00 | 1/15/2010 3:39:06 PM |
| reflective-rupee | $50.00 | $50.00 | 1/15/2010 3:40:05 PM |
| Rogelio48 | $30.00 | $30.00 | 1/15/2010 2:04:49 PM |
| reflective-rupee | $25.00 | $25.00 | 1/15/2010 3:39:54 PM |
| SFBank | $200.00 | $200.00 | 1/15/2010 3:09:55 PM |
| reflective-rupee | $25.00 | $25.00 | 1/15/2010 3:39:42 PM |
| reflective-rupee | $500.00 | $370.84 | 1/15/2010 4:08:25 PM |
| innovator2 | $50.00 | $50.00 | 1/15/2010 5:31:05 PM |
| vest_vortex | $25.00 | $25.00 | 1/15/2010 5:38:00 PM |
| 112 bids
|
Borrower Payment Dependent Notes Series
441799
This series of Notes was issued and sold upon the funding of the borrower loan #40552, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Jan-11-2010 |
| |
Auction end date:
| Jan-18-2010 |
|
|
Starting lender yield:
| 13.05% |
Starting borrower rate/APR:
| 14.05% / 16.21% |
Starting monthly payment:
| $205.21 |
|
Final lender yield:
| 13.00% |
Final borrower rate/APR:
| 14.00% / 16.16% |
Final monthly payment:
| $205.07 |
| |
|
Auction yield range:
| 6.06% - 13.05% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.78% | | |
<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:
| Apr-1979 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Jan-2010) |
Current / open credit lines:
| 13
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 33 | Length of status: | 31y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,031 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 58% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 24 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| value-tycoon |
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
paying off bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Could you tell us about the purpose of the loan, the 24 delinquencies, and your monthly expenditures? - one-midas
A:
I want to pay off or down some of my outstanding bills like my car loan and pay down my Target credit Card so that the monthly payment will be less. I honestly don't remove what the delinquencies was.
(Jan-12-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Tahoeguy | $25.00 | $25.00 | 1/11/2010 3:58:53 PM |
| calm-deal7 | $30.00 | $30.00 | 1/11/2010 4:00:47 PM |
| loanfairy | $25.00 | $25.00 | 1/11/2010 4:00:57 PM |
| lowcostmoney | $25.00 | $25.00 | 1/11/2010 3:59:28 PM |
| AF-Chief | $27.00 | $27.00 | 1/11/2010 4:01:03 PM |
| duty-sensai | $25.00 | $25.00 | 1/11/2010 4:00:09 PM |
| unk1911 | $25.00 | $25.00 | 1/11/2010 4:00:42 PM |
| FmrEngr2Phd | $25.00 | $25.00 | 1/11/2010 3:59:20 PM |
| Nic_R | $25.00 | $25.00 | 1/11/2010 4:05:21 PM |
| stoopidnoodle | $25.00 | $25.00 | 1/11/2010 4:06:41 PM |
| truth-companion | $25.00 | $25.00 | 1/11/2010 4:06:24 PM |
| wanna-help | $30.00 | $30.00 | 1/11/2010 4:05:29 PM |
| rdcmaint | $25.00 | $25.00 | 1/11/2010 4:06:57 PM |
| gravity-powered-air-cooled | $25.00 | $25.00 | 1/11/2010 4:07:17 PM |
| idriveajeep | $25.00 | $25.00 | 1/11/2010 4:06:49 PM |
| tlp43 | $25.00 | $25.00 | 1/11/2010 4:08:11 PM |
| thefiringzod | $25.00 | $25.00 | 1/11/2010 4:10:26 PM |
| harmonious-yield | $25.00 | $25.00 | 1/11/2010 4:08:42 PM |
| value-pouch | $25.00 | $25.00 | 1/11/2010 4:11:20 PM |
| first-fund-empenada | $25.00 | $25.00 | 1/11/2010 4:12:11 PM |
| paymentologist | $25.00 | $25.00 | 1/11/2010 4:11:33 PM |
| romario | $50.00 | $50.00 | 1/11/2010 4:13:34 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/11/2010 4:14:30 PM |
| Doodlemeyer | $25.00 | $25.00 | 1/11/2010 4:13:48 PM |
| felicity-synapse | $25.00 | $25.00 | 1/11/2010 4:13:06 PM |
| punctual-power7 | $25.00 | $25.00 | 1/11/2010 4:13:54 PM |
| Pizza-man | $50.00 | $50.00 | 1/11/2010 4:14:00 PM |
| bchen78875 | $25.00 | $25.00 | 1/11/2010 4:15:13 PM |
| barbershopper_NT | $25.00 | $25.00 | 1/11/2010 4:13:38 PM |
| aasx1108 | $25.00 | $25.00 | 1/11/2010 4:13:42 PM |
| benefit-squirrel | $30.00 | $30.00 | 1/11/2010 4:15:26 PM |
| astute-dollar | $100.00 | $100.00 | 1/11/2010 4:14:18 PM |
| klinebarger | $25.00 | $25.00 | 1/11/2010 4:15:57 PM |
| SNH | $50.00 | $50.00 | 1/11/2010 4:16:33 PM |
| Kaj | $25.00 | $25.00 | 1/11/2010 4:16:02 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 1/11/2010 4:16:10 PM |
| note-tent | $25.00 | $25.00 | 1/11/2010 4:16:21 PM |
| Banker7371 | $25.00 | $25.00 | 1/11/2010 4:17:31 PM |
| Prosp_Lender | $50.00 | $50.00 | 1/11/2010 4:17:52 PM |
| skiingawfs | $25.00 | $25.00 | 1/11/2010 4:18:01 PM |
| brazilofmux | $78.11 | $78.11 | 1/11/2010 4:17:05 PM |
| gulch | $25.00 | $25.00 | 1/11/2010 4:17:18 PM |
| DRA-Properties | $25.00 | $25.00 | 1/11/2010 4:17:26 PM |
| wonderful-return5 | $25.00 | $25.00 | 1/11/2010 4:17:42 PM |
| aventurer | $25.00 | $25.00 | 1/11/2010 4:17:57 PM |
| microlendblvr | $150.00 | $150.00 | 1/11/2010 4:17:47 PM |
| peso-colonel | $25.00 | $25.00 | 1/11/2010 4:18:44 PM |
| The-CAPS-fan | $30.00 | $30.00 | 1/11/2010 4:19:14 PM |
| studious-listing8 | $25.00 | $25.00 | 1/11/2010 4:19:20 PM |
| Katburg | $35.00 | $35.00 | 1/11/2010 4:18:31 PM |
| miked8303 | $25.00 | $25.00 | 1/11/2010 4:19:50 PM |
| payout-point | $50.00 | $50.00 | 1/11/2010 4:19:25 PM |
| ThomasCrown | $30.00 | $30.00 | 1/11/2010 4:20:41 PM |
| Dutchhunter | $50.00 | $50.00 | 1/11/2010 4:20:47 PM |
| value-pole | $25.00 | $25.00 | 1/11/2010 4:19:56 PM |
| Clambake | $50.00 | $50.00 | 1/11/2010 4:20:15 PM |
| youqianderen | $50.00 | $50.00 | 1/11/2010 4:20:23 PM |
| bonus-buddy2 | $35.00 | $35.00 | 1/11/2010 4:20:11 PM |
| chicco | $36.86 | $36.86 | 1/11/2010 4:20:20 PM |
| reward-adventure | $25.00 | $25.00 | 1/11/2010 4:21:21 PM |
| tom48l | $25.00 | $25.00 | 1/11/2010 4:21:11 PM |
| digitalrinaldo | $25.00 | $25.00 | 1/11/2010 4:21:03 PM |
| bowdish1 | $100.00 | $100.00 | 1/11/2010 4:21:40 PM |
| peaceful-return2 | $25.00 | $25.00 | 1/11/2010 4:22:07 PM |
| CPDDDS | $50.00 | $50.00 | 1/11/2010 4:22:29 PM |
| worth-victor6 | $25.00 | $25.00 | 1/11/2010 4:56:49 PM |
| sparkmeister | $25.00 | $25.00 | 1/11/2010 4:56:07 PM |
| asset-caballero | $25.00 | $25.00 | 1/11/2010 6:56:10 PM |
| CC911 | $25.00 | $25.00 | 1/13/2010 6:29:52 AM |
| justin323 | $25.00 | $25.00 | 1/13/2010 5:53:02 PM |
| Beverly_Hills_Lender | $100.00 | $100.00 | 1/13/2010 10:20:00 PM |
| ok | $25.00 | $25.00 | 1/15/2010 10:30:28 AM |
| andrewgl | $33.45 | $33.45 | 1/15/2010 1:43:19 PM |
| yield-hero4 | $75.00 | $75.00 | 1/16/2010 7:31:47 PM |
| YeoLenderSource | $25.00 | $25.00 | 1/17/2010 6:15:06 PM |
| BaxterSandy | $50.00 | $50.00 | 1/17/2010 2:36:14 PM |
| velocity-winner | $25.00 | $25.00 | 1/18/2010 9:17:52 AM |
| Gaelicman | $200.00 | $200.00 | 1/18/2010 9:20:44 AM |
| Moxman125 | $25.00 | $25.00 | 1/18/2010 1:56:44 PM |
| jybank | $25.00 | $25.00 | 1/18/2010 12:19:10 PM |
| repayment-launcher | $25.00 | $25.00 | 1/18/2010 12:24:57 PM |
| purposeful-dedication | $28.09 | $28.09 | 1/18/2010 3:13:14 PM |
| VBPlayer | $25.00 | $25.00 | 1/18/2010 1:42:00 PM |
| MO_Investor | $25.00 | $25.00 | 1/11/2010 3:59:51 PM |
| CASHGIRL | $40.00 | $40.00 | 1/11/2010 4:00:14 PM |
| stollcm | $25.00 | $25.00 | 1/11/2010 4:02:43 PM |
| Au-Ag-Pt | $25.00 | $25.00 | 1/11/2010 4:01:24 PM |
| egw | $25.00 | $25.00 | 1/11/2010 4:04:23 PM |
| ahalyaa | $30.00 | $30.00 | 1/11/2010 4:06:18 PM |
| epch | $25.00 | $25.00 | 1/11/2010 4:07:12 PM |
| famous-community8 | $25.00 | $25.00 | 1/11/2010 4:07:32 PM |
| acebandit | $25.00 | $25.00 | 1/11/2010 4:05:47 PM |
| hope-eagle6 | $25.00 | $25.00 | 1/11/2010 4:08:22 PM |
| awe53 | $25.00 | $25.00 | 1/11/2010 4:09:08 PM |
| archeanchaos | $25.00 | $25.00 | 1/11/2010 4:07:46 PM |
| vshnay | $25.00 | $25.00 | 1/11/2010 4:07:50 PM |
| martiantim | $25.00 | $25.00 | 1/11/2010 4:10:11 PM |
| don8ter | $25.00 | $25.00 | 1/11/2010 4:11:52 PM |
| WillyBobba | $25.00 | $25.00 | 1/11/2010 4:11:55 PM |
| chekat | $25.00 | $25.00 | 1/11/2010 4:11:13 PM |
| BlindJoeDeath | $25.00 | $25.00 | 1/11/2010 4:12:47 PM |
| LenderByDay | $25.00 | $25.00 | 1/11/2010 4:11:47 PM |
| mtquan | $25.00 | $25.00 | 1/11/2010 4:11:25 PM |
| galaxy1 | $25.00 | $25.00 | 1/11/2010 4:14:24 PM |
| credit-kahuna | $100.00 | $100.00 | 1/11/2010 4:14:47 PM |
| payout-achievement | $40.00 | $40.00 | 1/11/2010 4:14:54 PM |
| Veloce | $25.00 | $25.00 | 1/11/2010 4:13:11 PM |
| wiltonbound | $25.00 | $25.00 | 1/11/2010 4:15:36 PM |
| E_G | $30.00 | $30.00 | 1/11/2010 4:14:39 PM |
| elegant-income3 | $30.00 | $30.00 | 1/11/2010 4:14:06 PM |
| forthright-social | $25.00 | $25.00 | 1/11/2010 4:14:12 PM |
| wayman | $50.00 | $50.00 | 1/11/2010 4:15:20 PM |
| hitsman | $50.00 | $50.00 | 1/11/2010 4:15:42 PM |
| personal-lender | $25.00 | $25.00 | 1/11/2010 4:15:01 PM |
| worldly-community3 | $25.00 | $25.00 | 1/11/2010 4:16:50 PM |
| duty-monger | $50.00 | $50.00 | 1/11/2010 4:15:49 PM |
| blooming-dedication | $50.00 | $50.00 | 1/11/2010 4:17:00 PM |
| melodious-fairness | $25.00 | $25.00 | 1/11/2010 4:17:12 PM |
| techvet | $25.00 | $25.00 | 1/11/2010 4:16:26 PM |
| kchen486 | $25.00 | $25.00 | 1/11/2010 4:16:16 PM |
| Picopie | $50.00 | $50.00 | 1/11/2010 4:16:37 PM |
| exact-loan5 | $25.00 | $25.00 | 1/11/2010 4:16:43 PM |
| flopcat | $25.00 | $25.00 | 1/11/2010 4:16:56 PM |
| yield-hero4 | $25.00 | $25.00 | 1/11/2010 4:18:10 PM |
| Binan | $25.00 | $25.00 | 1/11/2010 4:17:36 PM |
| dmfog | $25.00 | $25.00 | 1/11/2010 4:18:07 PM |
| larrybird | $100.00 | $100.00 | 1/11/2010 4:18:15 PM |
| crazycool | $25.00 | $25.00 | 1/11/2010 4:18:20 PM |
| 18th_beachbum | $25.00 | $25.00 | 1/11/2010 4:18:25 PM |
| treasure-bliss | $100.00 | $100.00 | 1/11/2010 4:18:40 PM |
| kulender | $25.00 | $25.00 | 1/11/2010 4:18:36 PM |
| mikeandcat | $50.00 | $50.00 | 1/11/2010 4:19:37 PM |
| puifais | $25.00 | $25.00 | 1/11/2010 4:18:46 PM |
| Steveoo1 | $25.00 | $25.00 | 1/11/2010 4:18:54 PM |
| commitment-forte6 | $25.00 | $25.00 | 1/11/2010 4:19:09 PM |
| PocketAces | $25.00 | $25.00 | 1/11/2010 4:19:05 PM |
| lloyd_s | $25.00 | $25.00 | 1/11/2010 4:19:47 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 1/11/2010 4:19:29 PM |
| burgeoning-silver | $25.00 | $25.00 | 1/11/2010 4:19:42 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 1/11/2010 4:20:03 PM |
| hyetech | $35.00 | $35.00 | 1/11/2010 4:20:57 PM |
| xstreamin | $25.00 | $25.00 | 1/11/2010 4:20:34 PM |
| harperpotok | $100.00 | $100.00 | 1/11/2010 4:20:51 PM |
| Macinvest | $25.00 | $25.00 | 1/11/2010 4:21:06 PM |
| Weaverville | $25.00 | $25.00 | 1/11/2010 4:21:17 PM |
| harmonious-revenue7 | $25.00 | $25.00 | 1/11/2010 4:21:57 PM |
| Carpetkid | $25.00 | $25.00 | 1/11/2010 4:21:29 PM |
| bajeezus | $25.00 | $25.00 | 1/11/2010 4:21:44 PM |
| cpaphoto | $25.00 | $25.00 | 1/11/2010 4:21:52 PM |
| BigBoy2008 | $25.00 | $25.00 | 1/11/2010 4:22:02 PM |
| top-silver-american | $25.00 | $25.00 | 1/11/2010 4:22:13 PM |
| 30Sky | $25.00 | $11.49 | 1/11/2010 4:22:34 PM |
| tsui517 | $25.00 | $25.00 | 1/11/2010 4:22:20 PM |
| wwwUniversal | $25.00 | $25.00 | 1/11/2010 4:58:31 PM |
| LibbyZ | $50.00 | $50.00 | 1/11/2010 5:35:31 PM |
| letsbank | $25.00 | $25.00 | 1/11/2010 8:46:28 PM |
| exchange-cowbell5 | $150.00 | $150.00 | 1/12/2010 7:23:28 PM |
| wise-balanced-moola | $25.00 | $25.00 | 1/13/2010 5:45:10 PM |
| MissGPie | $25.00 | $25.00 | 1/13/2010 8:57:16 PM |
| coolgenner | $25.00 | $25.00 | 1/15/2010 5:29:14 AM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 7:03:31 PM |
| Drazion | $25.00 | $25.00 | 1/16/2010 10:59:24 AM |
| beakerfish | $200.00 | $200.00 | 1/17/2010 1:53:28 PM |
| earth70s | $25.00 | $25.00 | 1/18/2010 11:36:39 AM |
| orange-finance-banker | $50.00 | $50.00 | 1/18/2010 12:06:27 PM |
| 165 bids
|
Borrower Payment Dependent Notes Series
441881
This series of Notes was issued and sold upon the funding of the borrower loan #40573, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Jan-11-2010 |
| |
Auction end date:
| Jan-18-2010 |
|
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 8.84% |
Starting monthly payment:
| $37.88 |
|
Final lender yield:
| 7.00% |
Final borrower rate/APR:
| 8.00% / 8.34% |
Final monthly payment:
| $37.60 |
| |
|
Auction yield range:
| 3.06% - 7.50% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.40% | | |
<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-1984 |
Debt/Income ratio:
| 92% |
|
Credit score:
| 760-779 (Dec-2009) |
Current / open credit lines:
| 31
/
28 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 48 | Length of status: | 8y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,161 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 19% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| snappy1857 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 19 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $9,700.00 | < mo. late:
| 0
( 0% )
| 740-759
(May-2008)
|
|
Principal balance:
| $5,110.47 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Replacing Carpet & Kitchen Floor
Purpose of loan:
This loan will be used to?I would like to help my son with his purchase of a new home by helping him with carpet and flooring.?This is his first home (age 20) and I would like to help him like I did for my daughter when she first started out on her own.?I didn?t?know of?Prosper back then and turned to credit cards which I would like to stay away from for this. My son has a full time job but is putting most of it into this house.?He has a new infant son that is moving in with him and he does need this carpet and new kitchen flooring before the baby starts crawling (very bad shape).? He is a full time student (2nd year) and we pay for his schooling with no help from his real?father.? We will continue to pay for his college till he graduates in 2 yrs.
My financial situation:? I am a good candidate for this loan because I pay all my bills on time..never late and proud of that.?We pay most of my son?s college.?Again, his real father does not help with anything.?My husband and I have good stable jobs.?He has been with Sony for 5 years and I have been at my job for 8 years.?The Debt/Income ratio on this request does not include my husbands income.?That too goes for the Stated Income.? He makes approx $68,000. ?As you can see my bankcard utilization is down a lot since my last Prosper loan and my credit score is up.?That was my goal and I did it with the help of Prosper.? I?plan to have this paid off at the same time my other Prosper loan is paid.?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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Mav26 | $44.91 | $44.91 | 1/12/2010 11:17:31 AM |
| LittleMingo | $25.00 | $25.00 | 1/12/2010 11:45:51 AM |
| tomjac2000 | $25.00 | $25.00 | 1/12/2010 6:21:38 PM |
| LittleMingo | $25.00 | $25.00 | 1/13/2010 5:35:42 PM |
| OzGuy609 | $25.00 | $25.00 | 1/15/2010 9:14:37 AM |
| scref | $35.00 | $35.00 | 1/16/2010 4:03:07 AM |
| swissbanker | $50.00 | $50.00 | 1/15/2010 8:19:10 PM |
| JerryB96 | $25.00 | $25.00 | 1/16/2010 8:28:21 AM |
| jybank | $50.00 | $50.00 | 1/16/2010 3:06:04 PM |
| bondhedger | $25.00 | $25.00 | 1/16/2010 6:30:07 PM |
| jdragon | $25.60 | $25.60 | 1/16/2010 6:19:29 PM |
| OregonDane | $25.00 | $25.00 | 1/17/2010 11:18:34 AM |
| dollarboy | $25.00 | $25.00 | 1/17/2010 6:26:16 PM |
| Dollars4Rent | $25.00 | $25.00 | 1/17/2010 1:29:00 PM |
| YummiBear | $25.00 | $25.00 | 1/17/2010 7:13:11 PM |
| redtilapia | $25.00 | $25.00 | 1/18/2010 12:00:12 AM |
| HealthAndSafety | $100.00 | $100.00 | 1/18/2010 8:58:21 AM |
| dime-neutron | $25.00 | $25.00 | 1/18/2010 12:09:22 PM |
| SNH | $50.00 | $50.00 | 1/18/2010 1:29:51 PM |
| Your_Bank | $25.00 | $25.00 | 1/18/2010 1:37:49 PM |
| loanshark62 | $30.00 | $30.00 | 1/18/2010 3:47:06 PM |
| exchange-squirrel | $25.00 | $25.00 | 1/18/2010 3:47:32 PM |
| wonderous-power | $25.00 | $25.00 | 1/14/2010 3:22:55 AM |
| octoberfresh | $25.00 | $25.00 | 1/15/2010 6:45:45 AM |
| Charmart | $25.00 | $25.00 | 1/15/2010 12:25:01 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/16/2010 12:13:23 PM |
| luminant | $50.00 | $50.00 | 1/16/2010 2:39:31 PM |
| RIVERBEND | $25.00 | $25.00 | 1/17/2010 4:52:48 AM |
| GarciaCompany | $50.00 | $40.38 | 1/16/2010 8:19:33 PM |
| MisterEd | $50.00 | $50.00 | 1/17/2010 11:13:06 AM |
| BaxterSandy | $41.56 | $41.56 | 1/17/2010 2:40:03 PM |
| BankofRa | $25.00 | $25.00 | 1/18/2010 8:30:02 AM |
| KlarthXVII | $25.00 | $25.00 | 1/18/2010 6:39:11 AM |
| bonus-sensai825 | $32.55 | $32.55 | 1/18/2010 11:57:31 AM |
| PotBellyPete | $50.00 | $50.00 | 1/18/2010 1:06:51 PM |
| wild-orange | $25.00 | $25.00 | 1/18/2010 1:15:10 PM |
| 36 bids
|
Borrower Payment Dependent Notes Series
441963
This series of Notes was issued and sold upon the funding of the borrower loan #40570, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,075.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
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:
| $93.86 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $93.86 |
| |
|
Auction yield range:
| 17.06% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
<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:
| Dec-1980 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 600-619 (Jan-2010) |
Current / open credit lines:
| 4
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 14 | Length of status: | 29y 7m |
|
Amount delinquent:
| $8,313 |
Revolving credit balance:
| $1,299 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 99% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 9 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| roadking13 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 660-679
(Dec-2009)
660-679
(Nov-2009)
560-579
(Aug-2008)
|
|
Principal balance:
| $2,668.39 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
2nd Prosper loan, consolidate bills
Purpose of loan:
I want to combine my smaller bills into one to get them paid off faster.? I have been working very hard at repairing my credit to which since the last loan my score has increased from the 560 mark on credit karma it is up to 665.? I feel that if?I can combine all these together I can pay more on these each month and?hopefully instead of the 36 months I can pay off a little faster than the 36 months.? I have worked and strived hard to get my credit to back where?it was which was excellent and I feel I am on my way and this will help me even more to accomplish this goal.? ? The one bill that is in deliquency for $8400 is a Sears CC and balance had fell behind and went to a collection agency back a few years ago when I was having a hard time but I have had a payment plan with them for over a year feel like I am making a lot of progress.? I have talked with this credit company about a reduction in amount taking off interest and late fees and they are willing to work with me.?? Would love to be able to pay these off and therefore I can pay my other bill off much more faster..? It would just relieve some stress and help to get my credit back to top notch standing.? I feel I have made great progress and just need a little help to accomplish my goal.? Please, Please help me to start 2010 with getting out of debt.? Your help would be a tremendous help in achieving this goal.? Credit Karma score is653.
Monthly net income: $ 2950
Monthly expenses: $ 2133
??Housing: $ 1236??Insurance: $?53??????????Car expenses: $ 50??Utilities: $?175??Food, entertainment: $ 100? Credit cards?$320? Loans:? $199
My wife pays for part of the bills and me the other part so that is why I have not included some.
Thank you so much for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| unk1911 | $25.00 | $25.00 | 1/11/2010 4:38:12 PM |
| lender12345 | $25.00 | $25.00 | 1/14/2010 9:38:23 PM |
| wyogirllender | $25.00 | $25.00 | 1/15/2010 7:45:03 AM |
| best-listing-toro | $25.00 | $25.00 | 1/15/2010 11:59:43 AM |
| marwadi-62 | $50.00 | $50.00 | 1/15/2010 7:06:14 PM |
| Tono | $25.00 | $25.00 | 1/15/2010 4:50:19 PM |
| bid-chuckler | $50.00 | $50.00 | 1/15/2010 5:12:46 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/16/2010 12:17:13 PM |
| EEasyMoney | $25.00 | $25.00 | 1/17/2010 9:08:20 AM |
| chameleon125 | $25.00 | $25.00 | 1/17/2010 9:15:29 AM |
| Ray3486 | $25.00 | $25.00 | 1/17/2010 12:34:15 PM |
| Ronnieboy888 | $25.00 | $25.00 | 1/17/2010 8:38:31 PM |
| doubls | $26.65 | $26.65 | 1/17/2010 10:11:12 PM |
| myutmost | $26.74 | $26.74 | 1/18/2010 6:40:04 AM |
| DasMula | $100.00 | $100.00 | 1/18/2010 9:46:00 AM |
| lucrative-loan | $25.00 | $25.00 | 1/18/2010 9:53:36 AM |
| jsnryn | $25.00 | $25.00 | 1/18/2010 9:07:11 AM |
| GeoLender | $25.00 | $25.00 | 1/18/2010 12:24:56 PM |
| quest0 | $25.00 | $25.00 | 1/18/2010 3:21:43 PM |
| asset-control2 | $50.00 | $50.00 | 1/18/2010 3:40:57 PM |
| ultimate-peace | $150.00 | $150.00 | 1/18/2010 4:00:44 PM |
| brother_tam | $100.00 | $100.00 | 1/18/2010 3:21:51 PM |
| DasMula | $50.00 | $50.00 | 1/11/2010 8:25:43 PM |
| Bob450 | $25.00 | $25.00 | 1/11/2010 8:48:12 PM |
| Abed-nego | $250.00 | $8.34 | 1/13/2010 7:09:54 PM |
| Skeptical-one | $25.00 | $25.00 | 1/15/2010 1:00:22 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:13:00 PM |
| piter-to-la-investment | $25.00 | $25.00 | 1/15/2010 4:34:23 PM |
| AsianDragon | $25.00 | $25.00 | 1/16/2010 5:03:16 PM |
| chroman | $25.00 | $25.00 | 1/16/2010 5:09:54 PM |
| DasMula | $100.00 | $100.00 | 1/16/2010 10:38:21 PM |
| AF-Chief | $28.00 | $28.00 | 1/17/2010 7:55:38 PM |
| Leshan | $69.09 | $69.09 | 1/18/2010 8:30:20 AM |
| enriched-truth | $134.71 | $134.71 | 1/18/2010 8:52:42 AM |
| five-star-note | $75.00 | $75.00 | 1/18/2010 10:20:48 AM |
| Your_Bank | $25.00 | $25.00 | 1/18/2010 12:11:10 PM |
| wild-orange | $25.00 | $25.00 | 1/18/2010 1:17:41 PM |
| LAKETIME | $25.00 | $25.00 | 1/18/2010 2:26:25 PM |
| ultimate-peace | $300.00 | $300.00 | 1/18/2010 1:32:45 PM |
| twjh | $25.00 | $25.00 | 1/18/2010 1:36:45 PM |
| asset-control2 | $25.00 | $25.00 | 1/18/2010 3:41:09 PM |
| sparkling-contract7 | $25.00 | $25.00 | 1/18/2010 3:43:32 PM |
| branaa99 | $25.00 | $25.00 | 1/18/2010 3:46:06 PM |
| RecoveryLender | $26.47 | $26.47 | 1/18/2010 3:48:06 PM |
| deepblue34 | $30.00 | $30.00 | 1/18/2010 3:11:36 PM |
| Capit0l | $25.00 | $25.00 | 1/18/2010 3:40:45 PM |
| 46 bids
|
Borrower Payment Dependent Notes Series
442057
This series of Notes was issued and sold upon the funding of the borrower loan #40575, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
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:
| $113.09 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $113.09 |
| |
|
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:
| 7 |
First credit line:
| Oct-1984 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 620-639 (Jan-2010) |
Current / open credit lines:
| 5
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 4 |
Total credit lines:
| 43 | Length of status: | 0y 7m |
|
Amount delinquent:
| $3,443 |
Revolving credit balance:
| $0 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| starr22 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 96% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 1
( 4% )
| 620-639
(Dec-2009)
620-639
(Nov-2009)
620-639
(Aug-2007)
620-639
(Jul-2007)
|
|
Principal balance:
| $555.49 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
TAKING ONE DAY AT A TIME
?Purpose of Loan:? To have a furnace installed, pay off once credit card and one loan.
My financial situation:
I am a good candidate for this loan because I am employed and a grateful person who needs just a little help for the New Year.
Monthly net income: $ 2100
Monthly expenses: $ 1200
??Housing: $ 400
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $ 75
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please explain the DQs. Thank you. - DenimCapital
A:
Unfortunately, I became unemployed after twenty-five years of working in January 08. I remained unemployed for 1 1/2 year until June 1st, 2009 I became employed once again at full-time basis. Prior to that I was in control of my finances.
Thanks!
(Jan-14-2010)
Q:
Are you currently making payment arrangements for the deliquents? - skillful-asset5
A:
Yes I have already made arrangements so that I may become current once again
(Jan-16-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| flexible-economy2 | $100.00 | $100.00 | 1/11/2010 4:55:59 PM |
| lucrative-loan | $25.00 | $25.00 | 1/11/2010 6:06:32 PM |
| Bob450 | $25.00 | $25.00 | 1/11/2010 8:12:04 PM |
| Jasmel | $150.00 | $150.00 | 1/12/2010 6:24:02 AM |
| wanna-help | $25.00 | $25.00 | 1/12/2010 2:40:23 PM |
| lie21073 | $198.00 | $198.00 | 1/13/2010 10:17:45 PM |
| return-grizzly | $100.00 | $100.00 | 1/14/2010 11:11:04 AM |
| DenimCapital | $500.00 | $500.00 | 1/14/2010 8:47:09 PM |
| LEO_B | $25.00 | $25.00 | 1/15/2010 2:18:20 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:14:53 PM |
| best-generosity-financier | $25.00 | $25.00 | 1/15/2010 4:33:04 PM |
| PCity-LOA15 | $25.00 | $25.00 | 1/15/2010 5:27:59 PM |
| chameleon125 | $50.00 | $50.00 | 1/16/2010 8:09:30 AM |
| EEasyMoney | $25.00 | $25.00 | 1/16/2010 8:23:19 AM |
| red-favorable-basis | $25.00 | $25.00 | 1/16/2010 12:25:20 PM |
| DasMula | $100.00 | $100.00 | 1/16/2010 10:50:54 PM |
| squarebob | $25.00 | $25.00 | 1/17/2010 5:26:36 PM |
| Ronnieboy888 | $25.00 | $25.00 | 1/17/2010 8:54:41 PM |
| Kash2010lu | $25.00 | $25.00 | 1/18/2010 10:22:26 AM |
| Pu239 | $50.00 | $50.00 | 1/18/2010 10:52:17 AM |
| wild-orange | $25.00 | $25.00 | 1/18/2010 1:20:36 PM |
| DenimCapital | $98.62 | $98.62 | 1/14/2010 8:47:29 PM |
| exchange-cowbell5 | $150.00 | $150.00 | 1/15/2010 2:13:31 PM |
| marwadi-62 | $25.00 | $25.00 | 1/15/2010 7:07:45 PM |
| Iziezi | $25.00 | $25.00 | 1/15/2010 9:22:58 PM |
| skillful-asset5 | $100.00 | $78.38 | 1/16/2010 6:44:48 AM |
| doubls | $25.00 | $25.00 | 1/17/2010 10:05:09 PM |
| ultimate-peace | $300.00 | $300.00 | 1/18/2010 1:36:52 PM |
| twjh | $25.00 | $25.00 | 1/18/2010 1:41:08 PM |
| squarebob | $25.00 | $25.00 | 1/18/2010 3:03:43 PM |
| bondhedger | $25.00 | $25.00 | 1/18/2010 3:56:17 PM |
| ultimate-peace | $150.00 | $150.00 | 1/18/2010 4:02:06 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
442223
This series of Notes was issued and sold upon the funding of the borrower loan #40561, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Jan-12-2010 |
| |
Auction end date:
| Jan-19-2010 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $178.92 |
|
Final lender yield:
| 16.00% |
Final borrower rate/APR:
| 17.00% / 19.20% |
Final monthly payment:
| $160.44 |
| |
|
Auction yield range:
| 6.06% - 24.00% |
Estimated loss impact:
| 5.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.72% | | |
<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:
| 8 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 740-759 (Jan-2010) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $14,965 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| DnMand4boys |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Jul-2008)
|
|
Principal balance:
| $1,793.92 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
son needs braces
Purpose of loan:
This loan will be used to? for my sons braces and to pay off first loan.I work as a middle school Administrative assistant and only get paid 11 months out of the year. My husbands?company has recently sold and?his pay structure has changed because of it. We recently bought a new home and?are a little tight for the house payment and some bills. We are hard workers and try to pick up extra work when ever possible and will pay back the?loan asap.
My financial situation:
I am a good candidate for this loan because?My husband also bartends at 2 different locations?in his spare time and picks up extra work when ever possible. We?pride ourselves on? paying all bills on time and pay a little extra when ever possible.
Monthly net income: $ 4600
Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 160
??Car expenses: $ 100
??Utilities: $ 260
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 750
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ttnk62918 | $25.00 | $25.00 | 1/12/2010 4:42:29 PM |
| CallMeBen | $25.00 | $25.00 | 1/12/2010 4:47:38 PM |
| KMSB | $25.00 | $25.00 | 1/12/2010 4:53:17 PM |
| Independenceday | $25.00 | $25.00 | 1/12/2010 5:06:46 PM |
| boredlv | $25.00 | $5.25 | 1/13/2010 1:10:06 PM |
| jybank | $25.00 | $25.00 | 1/14/2010 12:04:18 AM |
| omahajay | $25.00 | $25.00 | 1/13/2010 9:47:14 PM |
| Chava15 | $25.00 | $25.00 | 1/14/2010 7:41:06 PM |
| ptjg | $29.06 | $29.06 | 1/15/2010 12:25:17 PM |
| truth-willow | $25.00 | $25.00 | 1/15/2010 4:06:33 PM |
| impartial-deal | $25.00 | $25.00 | 1/15/2010 4:47:09 PM |
| LMPjr007 | $25.00 | $25.00 | 1/16/2010 4:16:47 AM |
| PropertyInvest | $25.00 | $25.00 | 1/16/2010 12:08:09 PM |
| grammaspurse | $25.00 | $25.00 | 1/16/2010 5:23:21 PM |
| freedom3 | $500.00 | $500.00 | 1/17/2010 11:38:45 AM |
| wkeboarder21 | $50.00 | $50.00 | 1/17/2010 6:53:36 PM |
| agile | $50.00 | $50.00 | 1/17/2010 2:04:03 PM |
| Moe87 | $25.00 | $25.00 | 1/18/2010 5:21:40 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 1/18/2010 3:29:42 PM |
| Terapin0511 | $71.41 | $71.41 | 1/18/2010 7:18:21 PM |
| iflyforfun | $50.00 | $50.00 | 1/19/2010 2:02:34 AM |
| nalaari | $50.00 | $50.00 | 1/19/2010 4:43:29 AM |
| glazeddonuts | $27.19 | $27.19 | 1/18/2010 11:43:37 PM |
| mmmm1982 | $31.35 | $31.35 | 1/19/2010 7:15:19 AM |
| wild-orange | $25.00 | $25.00 | 1/19/2010 1:26:55 PM |
| JJ-Loans | $25.00 | $25.00 | 1/19/2010 1:47:09 PM |
| Rothgoe | $31.90 | $31.90 | 1/19/2010 1:30:48 PM |
| responsibility-tent | $25.00 | $25.00 | 1/19/2010 3:55:28 PM |
| us957165 | $25.00 | $25.00 | 1/19/2010 1:49:10 PM |
| leverage-monger | $200.00 | $200.00 | 1/19/2010 4:02:46 PM |
| Engineer44 | $25.00 | $25.00 | 1/19/2010 4:19:37 PM |
| sharp-credit | $500.00 | $500.00 | 1/19/2010 3:22:39 PM |
| steady-dime | $108.57 | $108.57 | 1/19/2010 4:17:18 PM |
| exchange-cowbell5 | $200.00 | $200.00 | 1/19/2010 4:07:03 PM |
| boomer61 | $25.00 | $25.00 | 1/19/2010 4:07:59 PM |
| jimmya | $25.00 | $25.00 | 1/19/2010 4:18:27 PM |
| lucrative-loan | $50.00 | $50.00 | 1/12/2010 5:08:04 PM |
| vegaslender88 | $25.00 | $25.00 | 1/12/2010 5:32:20 PM |
| Ven58 | $25.00 | $25.00 | 1/13/2010 12:19:45 PM |
| gary500 | $25.00 | $25.00 | 1/14/2010 2:55:33 PM |
| vine99 | $75.00 | $75.00 | 1/14/2010 7:55:58 PM |
| flshdaskll | $25.00 | $25.00 | 1/14/2010 8:21:17 PM |
| brightest-dignified-penny | $25.00 | $25.00 | 1/15/2010 10:50:40 AM |
| Nickel8 | $25.00 | $25.00 | 1/16/2010 11:18:12 AM |
| Johnab | $50.00 | $50.00 | 1/16/2010 9:52:54 AM |
| OldManP | $25.00 | $25.00 | 1/16/2010 7:00:43 PM |
| afterhours | $25.00 | $25.00 | 1/16/2010 8:25:11 PM |
| Ray3486 | $25.00 | $25.00 | 1/17/2010 12:16:01 PM |
| Bigbluefan | $100.00 | $100.00 | 1/17/2010 5:11:47 PM |
| JTHarris | $25.00 | $25.00 | 1/17/2010 10:04:01 AM |
| SDD123 | $25.00 | $25.00 | 1/18/2010 6:24:53 AM |
| lyrisnox | $25.00 | $25.00 | 1/18/2010 9:45:29 AM |
| LoanDMC | $33.19 | $33.19 | 1/18/2010 4:11:47 PM |
| Madmigel | $30.89 | $30.89 | 1/18/2010 5:55:15 PM |
| caseattle | $48.17 | $48.17 | 1/18/2010 7:55:50 PM |
| lender12345 | $25.00 | $25.00 | 1/18/2010 8:14:57 PM |
| gunderstone | $100.00 | $100.00 | 1/19/2010 5:47:12 AM |
| JerryB96 | $25.00 | $25.00 | 1/19/2010 6:07:40 AM |
| pythia | $25.00 | $25.00 | 1/19/2010 7:26:44 AM |
| leverage-monger | $50.00 | $50.00 | 1/19/2010 7:43:22 AM |
| ryan6853 | $25.00 | $25.00 | 1/19/2010 9:36:35 AM |
| ultimate-peace | $300.00 | $300.00 | 1/19/2010 1:01:10 PM |
| sharp-credit | $500.00 | $500.00 | 1/19/2010 1:45:01 PM |
| dmk2006 | $25.00 | $25.00 | 1/19/2010 2:34:27 PM |
| bonus-quark4 | $25.00 | $25.00 | 1/19/2010 3:25:57 PM |
| trumpeter5 | $100.00 | $100.00 | 1/19/2010 4:14:20 PM |
| understanding-integrity4 | $50.00 | $50.00 | 1/19/2010 4:18:25 PM |
| cutter21 | $28.02 | $28.02 | 1/19/2010 4:16:14 PM |
| TJRCapital | $25.00 | $25.00 | 1/19/2010 4:18:09 PM |
| papaloha | $80.00 | $80.00 | 1/19/2010 4:10:22 PM |
| 70 bids
|
Borrower Payment Dependent Notes Series
442311
This series of Notes was issued and sold upon the funding of the borrower loan #40581, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Jan-13-2010 |
| |
Auction end date:
| Jan-20-2010 |
|
|
Starting lender yield:
| 30.24% |
Starting borrower rate/APR:
| 31.24% / 33.64% |
Starting monthly payment:
| $323.50 |
|
Final lender yield:
| 26.40% |
Final borrower rate/APR:
| 27.40% / 29.74% |
Final monthly payment:
| $307.80 |
| |
|
Auction yield range:
| 11.06% - 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:
| Oct-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-679 (Jan-2010) |
Current / open credit lines:
| 4
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 9y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $811 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 14% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| ore-monger |
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
paying a debt from wedding expences
Purpose of loan:
This loan will be used to?pay of?a loan i took from a friend to pay wedding expences?
My financial situation:
I am a good candidate for this loan because?i have very low monthly expences and low credit card debt.?
Monthly net income: $ 4000
Monthly expenses: $?1200??Housing: $ 200
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| oldmora | $50.00 | $50.00 | 1/13/2010 4:06:38 PM |
| AF-Chief | $26.00 | $26.00 | 1/13/2010 4:06:54 PM |
| desertoasis | $50.00 | $50.00 | 1/13/2010 4:06:58 PM |
| junctionking | $25.00 | $25.00 | 1/13/2010 4:07:41 PM |
| affluence-tycoon | $25.00 | $25.00 | 1/13/2010 4:07:51 PM |
| andrewnar | $25.00 | $25.00 | 1/13/2010 4:07:59 PM |
| blue-liberty-gourd | $25.00 | $25.00 | 1/13/2010 4:08:07 PM |
| halothane_logic | $25.00 | $25.00 | 1/13/2010 4:08:11 PM |
| SirJev | $25.00 | $25.00 | 1/13/2010 4:08:17 PM |
| 108lender | $75.00 | $75.00 | 1/13/2010 4:08:22 PM |
| puifais | $25.00 | $25.00 | 1/13/2010 4:08:25 PM |
| hope-equation | $50.00 | $50.00 | 1/13/2010 4:08:34 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 1/13/2010 4:08:52 PM |
| Vreet | $25.00 | $25.00 | 1/13/2010 4:09:00 PM |
| Zolton | $200.00 | $200.00 | 1/13/2010 4:09:02 PM |
| impeccable-transparency | $50.00 | $50.00 | 1/13/2010 4:09:04 PM |
| thestartuplender | $35.00 | $35.00 | 1/13/2010 4:09:09 PM |
| honorable-yield | $35.00 | $35.00 | 1/13/2010 4:09:16 PM |
| Clemens104 | $50.00 | $50.00 | 1/13/2010 4:09:21 PM |
| Speculator | $50.00 | $50.00 | 1/13/2010 4:09:32 PM |
| Katburg | $25.00 | $25.00 | 1/13/2010 4:09:38 PM |
| TheCount | $25.00 | $25.00 | 1/13/2010 4:09:41 PM |
| PatRichi | $25.00 | $25.00 | 1/13/2010 4:09:44 PM |
| Hondo | $25.00 | $25.00 | 1/13/2010 4:06:40 PM |
| kmfreymi | $25.00 | $25.00 | 1/13/2010 4:07:37 PM |
| jhouman | $25.00 | $25.00 | 1/13/2010 4:07:43 PM |
| DRA-Properties | $25.00 | $25.00 | 1/13/2010 4:07:49 PM |
| loan-master996 | $50.00 | $50.00 | 1/13/2010 4:07:56 PM |
| UT-Longhorn | $25.00 | $25.00 | 1/13/2010 4:08:02 PM |
| tractorman | $25.00 | $25.00 | 1/13/2010 4:08:19 PM |
| Auburnmist | $25.00 | $25.00 | 1/13/2010 4:08:32 PM |
| accordion8 | $25.00 | $25.00 | 1/13/2010 4:08:39 PM |
| cognizant-wealth | $25.00 | $25.00 | 1/13/2010 4:08:56 PM |
| MissionMicroFinance | $25.00 | $25.00 | 1/13/2010 4:09:08 PM |
| dedicated-diversification5 | $100.00 | $100.00 | 1/13/2010 4:09:13 PM |
| kaykarun | $25.00 | $25.00 | 1/13/2010 4:09:19 PM |
| blue_skies_ahead | $25.00 | $25.00 | 1/13/2010 4:09:23 PM |
| penny-surgeon | $25.00 | $25.00 | 1/13/2010 4:09:33 PM |
| note-tent | $25.00 | $25.00 | 1/13/2010 4:09:45 PM |
| djh47a | $25.00 | $25.00 | 1/13/2010 4:09:52 PM |
| uncleharold | $25.00 | $25.00 | 1/13/2010 4:10:01 PM |
| elephantparty | $25.00 | $25.00 | 1/13/2010 4:10:09 PM |
| robweiss | $25.00 | $7.53 | 1/13/2010 4:10:18 PM |
| useful-p2ploan | $50.00 | $50.00 | 1/13/2010 4:07:36 PM |
| melodious-fairness | $25.00 | $25.00 | 1/13/2010 4:07:45 PM |
| GElender | $25.00 | $25.00 | 1/13/2010 4:07:53 PM |
| direct-yield | $25.00 | $25.00 | 1/13/2010 4:08:03 PM |
| red-trade-cologne | $25.00 | $25.00 | 1/13/2010 4:08:06 PM |
| Jonb6919 | $25.00 | $25.00 | 1/13/2010 4:08:08 PM |
| contract-neutron | $25.00 | $25.00 | 1/13/2010 4:08:20 PM |
| Cai8899 | $30.00 | $30.00 | 1/13/2010 4:08:29 PM |
| p123 | $25.00 | $25.00 | 1/13/2010 4:08:41 PM |
| VBAces | $25.00 | $25.00 | 1/13/2010 4:08:46 PM |
| Buffer10 | $100.00 | $100.00 | 1/13/2010 4:08:53 PM |
| elegant-income3 | $25.00 | $25.00 | 1/13/2010 4:09:03 PM |
| Turtlebear44 | $25.00 | $25.00 | 1/13/2010 4:09:15 PM |
| kmprospeo | $50.00 | $50.00 | 1/13/2010 4:09:20 PM |
| Purposeful | $25.00 | $25.00 | 1/13/2010 4:09:26 PM |
| HarryRoberts | $50.00 | $50.00 | 1/13/2010 4:09:34 PM |
| natecam | $25.00 | $25.00 | 1/13/2010 4:09:43 PM |
| whynormal | $25.00 | $25.00 | 1/13/2010 4:09:55 PM |
| oceanwind1950 | $25.00 | $25.00 | 1/13/2010 4:10:02 PM |
| oldtruckads | $27.00 | $27.00 | 1/13/2010 4:10:10 PM |
| gatorsean2168 | $25.00 | $25.00 | 1/13/2010 4:10:13 PM |
| inspiring-reward | $50.00 | $50.00 | 1/13/2010 4:17:31 PM |
| falcon88dp | $25.00 | $25.00 | 1/13/2010 4:14:49 PM |
| Bob450 | $25.00 | $25.00 | 1/13/2010 9:31:04 PM |
| Robbdogg | $33.54 | $33.54 | 1/14/2010 12:36:22 PM |
| mydreamsagain | $25.00 | $25.00 | 1/14/2010 3:59:12 PM |
| UCLA4life | $25.00 | $25.00 | 1/15/2010 11:17:19 AM |
| CC911 | $25.00 | $25.00 | 1/16/2010 5:12:53 PM |
| wise-balanced-moola | $25.00 | $25.00 | 1/17/2010 8:20:57 AM |
| Ronnieboy888 | $25.00 | $25.00 | 1/17/2010 8:48:54 PM |
| orange-finance-banker | $25.00 | $25.00 | 1/18/2010 4:08:11 PM |
| BBL | $25.00 | $25.00 | 1/18/2010 6:11:16 PM |
| nourishing-hope835 | $25.00 | $25.00 | 1/19/2010 10:46:39 AM |
| bid-papyrus | $25.00 | $25.00 | 1/19/2010 12:42:24 PM |
| auction-workhorse679 | $25.00 | $25.00 | 1/19/2010 4:29:15 PM |
| b-rent | $25.00 | $25.00 | 1/19/2010 5:19:24 PM |
| head | $25.00 | $25.00 | 1/19/2010 5:50:26 PM |
| draggon77 | $25.00 | $25.00 | 1/19/2010 8:21:42 PM |
| deepblue34 | $25.00 | $25.00 | 1/19/2010 7:22:42 PM |
| Gaelicman | $200.00 | $200.00 | 1/19/2010 9:51:22 PM |
| NeketanBank | $50.00 | $50.00 | 1/20/2010 9:23:36 AM |
| Snoopylover | $25.00 | $25.00 | 1/20/2010 6:11:08 AM |
| umfan123 | $25.00 | $25.00 | 1/20/2010 7:05:10 AM |
| UBOtto186 | $50.00 | $50.00 | 1/20/2010 10:00:41 AM |
| funtwosay | $25.00 | $25.00 | 1/20/2010 10:01:05 AM |
| credit-coach118 | $25.00 | $25.00 | 1/20/2010 10:14:35 AM |
| mistrmark | $50.00 | $50.00 | 1/20/2010 12:07:46 PM |
| Bobusa | $25.00 | $25.00 | 1/20/2010 1:02:01 PM |
| oreyedoc | $50.00 | $50.00 | 1/20/2010 1:11:08 PM |
| Engineer44 | $25.00 | $25.00 | 1/20/2010 4:03:39 PM |
| Leshan | $25.00 | $25.00 | 1/20/2010 11:33:57 AM |
| patriot384 | $25.00 | $25.00 | 1/20/2010 2:42:45 PM |
| Hummer-Guy | $25.00 | $25.00 | 1/20/2010 3:01:20 PM |
| quest0 | $25.00 | $25.00 | 1/20/2010 3:18:03 PM |
| friendinmoney | $43.72 | $43.72 | 1/20/2010 4:02:58 PM |
| Lubava | $25.00 | $25.00 | 1/20/2010 3:02:26 PM |
| asset-control2 | $25.00 | $25.00 | 1/20/2010 3:33:26 PM |
| loanfairy | $25.00 | $25.00 | 1/13/2010 4:06:39 PM |
| Lam0nt | $25.00 | $25.00 | 1/13/2010 4:06:51 PM |
| yeti888 | $25.00 | $25.00 | 1/13/2010 4:06:57 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 1/13/2010 4:07:02 PM |
| BlueWave | $25.00 | $25.00 | 1/13/2010 4:07:32 PM |
| xzec777 | $25.00 | $25.00 | 1/13/2010 4:07:40 PM |
| steves73 | $25.00 | $25.00 | 1/13/2010 4:07:47 PM |
| secobarbital | $25.00 | $25.00 | 1/13/2010 4:07:55 PM |
| bulabula | $25.00 | $25.00 | 1/13/2010 4:08:05 PM |
| Sanford-N-Sons | $25.00 | $25.00 | 1/13/2010 4:08:10 PM |
| ImaPutz | $25.00 | $25.00 | 1/13/2010 4:08:19 PM |
| Banker7371 | $25.00 | $25.00 | 1/13/2010 4:08:23 PM |
| oreyedoc | $25.00 | $25.00 | 1/13/2010 4:08:31 PM |
| teller | $25.00 | $25.00 | 1/13/2010 4:08:38 PM |
| personal-lender | $25.00 | $25.00 | 1/13/2010 4:08:50 PM |
| blooming-dedication | $50.00 | $50.00 | 1/13/2010 4:08:55 PM |
| ryan23 | $25.00 | $25.00 | 1/13/2010 4:09:01 PM |
| AF_Trust | $25.00 | $25.00 | 1/13/2010 4:09:07 PM |
| lloyd_s | $25.00 | $25.00 | 1/13/2010 4:09:12 PM |
| georgethesir | $25.00 | $25.00 | 1/13/2010 4:09:27 PM |
| miked8303 | $25.00 | $25.00 | 1/13/2010 4:09:35 PM |
| Rob717171 | $25.00 | $25.00 | 1/13/2010 4:09:39 PM |
| KevinC_63366 | $25.00 | $25.00 | 1/13/2010 4:09:42 PM |
| fortytwo | $50.00 | $50.00 | 1/13/2010 4:09:51 PM |
| treasure-bliss | $100.00 | $100.00 | 1/13/2010 4:07:00 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 1/13/2010 4:07:41 PM |
| EnigmaNYC-29 | $25.00 | $25.00 | 1/13/2010 4:07:44 PM |
| sloan | $25.00 | $25.00 | 1/13/2010 4:07:52 PM |
| GatorBux | $25.00 | $25.00 | 1/13/2010 4:08:00 PM |
| dime-beeper | $25.00 | $25.00 | 1/13/2010 4:08:15 PM |
| Supernick | $25.00 | $25.00 | 1/13/2010 4:08:27 PM |
| charming-point | $300.00 | $300.00 | 1/13/2010 4:08:35 PM |
| saffron4 | $25.00 | $25.00 | 1/13/2010 4:08:42 PM |
| elevated-platinum5 | $25.00 | $25.00 | 1/13/2010 4:09:05 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/13/2010 4:09:10 PM |
| CarDealer3070 | $30.00 | $30.00 | 1/13/2010 4:09:17 PM |
| CROBRUN | $25.00 | $25.00 | 1/13/2010 4:09:22 PM |
| visionary-currency | $50.00 | $50.00 | 1/13/2010 4:09:29 PM |
| gizzywump | $25.00 | $25.00 | 1/13/2010 4:09:36 PM |
| benjo | $25.00 | $25.00 | 1/13/2010 4:09:47 PM |
| zen1cent | $25.00 | $25.00 | 1/13/2010 4:09:53 PM |
| digen | $25.00 | $25.00 | 1/13/2010 4:10:08 PM |
| TEAM-Jasper | $25.00 | $25.00 | 1/13/2010 4:10:14 PM |
| five-star-note | $35.00 | $35.00 | 1/13/2010 4:06:38 PM |
| favorite-durability | $25.00 | $25.00 | 1/13/2010 4:07:31 PM |
| purdue98 | $25.00 | $25.00 | 1/13/2010 4:07:38 PM |
| orange-vigilance-shower | $25.00 | $25.00 | 1/13/2010 4:07:50 PM |
| exact-loan5 | $30.00 | $30.00 | 1/13/2010 4:07:58 PM |
| momoney2lend | $25.00 | $25.00 | 1/13/2010 4:08:04 PM |
| msbutah | $25.00 | $25.00 | 1/13/2010 4:08:09 PM |
| yield-lion | $25.00 | $25.00 | 1/13/2010 4:08:16 PM |
| jbaum | $25.00 | $25.00 | 1/13/2010 4:08:21 PM |
| jonbozeman | $25.00 | $25.00 | 1/13/2010 4:08:33 PM |
| astute-dollar | $50.00 | $50.00 | 1/13/2010 4:08:36 PM |
| wise-extraordinary-loot | $25.00 | $25.00 | 1/13/2010 4:08:43 PM |
| value-pole | $25.00 | $25.00 | 1/13/2010 4:08:49 PM |
| tsquared_030 | $25.00 | $25.00 | 1/13/2010 4:08:58 PM |
| Kaj | $25.00 | $25.00 | 1/13/2010 4:09:06 PM |
| duty-sensai | $25.00 | $25.00 | 1/13/2010 4:09:11 PM |
| mbell | $25.00 | $25.00 | 1/13/2010 4:09:18 PM |
| rooosta | $25.00 | $25.00 | 1/13/2010 4:09:25 PM |
| IIP77 | $25.00 | $25.00 | 1/13/2010 4:09:31 PM |
| ghinga | $25.00 | $25.00 | 1/13/2010 4:09:37 PM |
| vivixmedia | $25.00 | $25.00 | 1/13/2010 4:09:48 PM |
| dime-neutron | $25.00 | $25.00 | 1/13/2010 4:15:45 PM |
| asiaratt | $100.00 | $100.00 | 1/13/2010 4:10:00 PM |
| chenry9202 | $25.00 | $25.00 | 1/13/2010 4:10:04 PM |
| green-careful-community | $25.00 | $25.00 | 1/13/2010 4:10:12 PM |
| treasure-transporter | $25.00 | $25.00 | 1/13/2010 4:10:16 PM |
| SolarMoonshine | $25.00 | $25.00 | 1/13/2010 5:25:16 PM |
| Rogelio48 | $35.00 | $35.00 | 1/13/2010 5:00:14 PM |
| JustMee | $25.00 | $25.00 | 1/14/2010 8:40:13 AM |
| melodious-fairness | $25.00 | $25.00 | 1/14/2010 6:06:02 PM |
| sunshinysmiles | $25.00 | $25.00 | 1/15/2010 10:36:37 AM |
| Streamfeeder | $25.00 | $25.00 | 1/15/2010 7:18:11 PM |
| natural-greenback6 | $25.00 | $25.00 | 1/16/2010 7:23:27 PM |
| exchange-cowbell5 | $200.00 | $200.00 | 1/18/2010 5:48:17 PM |
| lucrative-loan | $50.00 | $50.00 | 1/18/2010 6:09:15 PM |
| squarebob | $25.00 | $25.00 | 1/19/2010 2:54:57 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 1/19/2010 4:05:18 PM |
| The-CAPS-fan | $75.00 | $75.00 | 1/19/2010 4:23:45 PM |
| ChrisKwan | $25.00 | $25.00 | 1/19/2010 5:20:05 PM |
| LibbyZ | $50.00 | $50.00 | 1/19/2010 5:20:03 PM |
| new-truth-chuckler | $27.07 | $27.07 | 1/19/2010 7:00:08 PM |
| forthright-trade | $25.00 | $25.00 | 1/19/2010 5:39:56 PM |
| the-silver-blaster | $50.00 | $50.00 | 1/19/2010 7:13:22 PM |
| JauaFlash | $25.14 | $25.14 | 1/19/2010 8:44:22 PM |
| Loanstou | $200.00 | $200.00 | 1/19/2010 7:35:40 PM |
| steven3333 | $25.00 | $25.00 | 1/19/2010 7:50:19 PM |
| FundsSmith | $25.00 | $25.00 | 1/20/2010 7:36:29 AM |
| principal-star | $25.00 | $25.00 | 1/20/2010 7:47:07 AM |
| Robbdogg | $25.00 | $25.00 | 1/20/2010 8:14:04 AM |
| Pages | $25.00 | $25.00 | 1/20/2010 7:39:20 AM |
| manrandom | $200.00 | $200.00 | 1/20/2010 10:10:19 AM |
| peaceful-cash5 | $25.00 | $25.00 | 1/20/2010 8:44:45 AM |
| squarebob | $25.00 | $25.00 | 1/20/2010 2:46:33 PM |
| RISK-VERSUS-RETURN | $25.00 | $25.00 | 1/20/2010 12:36:31 PM |
| leverage-monger | $75.00 | $75.00 | 1/20/2010 3:15:04 PM |
| skillful-asset5 | $100.00 | $100.00 | 1/20/2010 3:58:48 PM |
| the-profit-oracle | $25.00 | $25.00 | 1/20/2010 2:16:22 PM |
| NewYorker48 | $50.00 | $50.00 | 1/20/2010 3:14:43 PM |
| asset-control2 | $50.00 | $50.00 | 1/20/2010 3:33:18 PM |
| Loan_shark718 | $25.00 | $25.00 | 1/20/2010 3:58:32 PM |
| 203 bids
|
Borrower Payment Dependent Notes Series
442447
This series of Notes was issued and sold upon the funding of the borrower loan #40593, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Jan-13-2010 |
| |
Auction end date:
| Jan-17-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 17.06% - 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:
| Feb-1995 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Jan-2010) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $43 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 2% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 36 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 6 | | | | |
|
Screen name:
| nickel-alert |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Repairs
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kt103099 | $25.00 | $25.00 | 1/13/2010 4:13:46 PM |
| niceville80 | $25.00 | $25.00 | 1/13/2010 4:13:55 PM |
| SongBirdProphecy | $25.00 | $25.00 | 1/13/2010 4:14:32 PM |
| unk1911 | $25.00 | $25.00 | 1/13/2010 4:14:56 PM |
| Tammy102800 | $25.00 | $25.00 | 1/13/2010 4:13:51 PM |
| forthright-dedication | $25.00 | $25.00 | 1/13/2010 4:13:59 PM |
| larrybird | $100.00 | $100.00 | 1/13/2010 4:14:02 PM |
| Soxxes | $25.00 | $25.00 | 1/13/2010 4:14:10 PM |
| ryan23 | $25.00 | $25.00 | 1/13/2010 4:14:29 PM |
| return-tycoon3 | $25.00 | $25.00 | 1/13/2010 4:17:05 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/13/2010 4:17:19 PM |
| newest-greenback-force | $25.00 | $25.00 | 1/13/2010 4:19:20 PM |
| atothez | $50.00 | $50.00 | 1/13/2010 4:19:35 PM |
| WalnutCreekguy | $25.00 | $25.00 | 1/13/2010 4:13:52 PM |
| Rob717171 | $25.00 | $25.00 | 1/13/2010 4:13:56 PM |
| SMARTDISK | $25.00 | $25.00 | 1/13/2010 4:19:04 PM |
| SolarMoonshine | $25.00 | $25.00 | 1/13/2010 5:42:51 PM |
| zippy-interest | $25.00 | $25.00 | 1/13/2010 4:16:55 PM |
| cklb | $50.00 | $50.00 | 1/13/2010 4:18:13 PM |
| skiingawfs | $25.00 | $25.00 | 1/13/2010 9:43:50 PM |
| imlosttoo | $25.00 | $25.00 | 1/13/2010 10:46:49 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 1/14/2010 9:43:18 AM |
| helping-out | $25.00 | $25.00 | 1/14/2010 9:58:22 AM |
| selfmademan | $25.00 | $25.00 | 1/14/2010 9:43:33 AM |
| tuneman1980 | $25.00 | $25.00 | 1/14/2010 11:19:49 AM |
| mizount | $25.00 | $25.00 | 1/14/2010 12:13:10 PM |
| p2ploan-leaper | $25.00 | $25.00 | 1/14/2010 1:15:17 PM |
| careful-compassion | $25.00 | $25.00 | 1/14/2010 1:20:19 PM |
| TrustinOthers | $25.00 | $25.00 | 1/14/2010 1:20:21 PM |
| studious-responsibility | $25.00 | $25.00 | 1/14/2010 1:20:32 PM |
| bazzer | $25.00 | $25.00 | 1/14/2010 1:20:15 PM |
| BankofBen | $25.00 | $25.00 | 1/14/2010 1:20:30 PM |
| CASHGIRL | $25.00 | $25.00 | 1/14/2010 12:50:14 PM |
| evaglamazon | $25.00 | $25.00 | 1/14/2010 1:20:38 PM |
| brightest-income-hunter | $25.00 | $25.00 | 1/14/2010 1:14:11 PM |
| hard-working-loot | $25.00 | $25.00 | 1/14/2010 1:14:15 PM |
| loan-squadron | $30.00 | $30.00 | 1/14/2010 1:20:13 PM |
| downbet | $25.00 | $25.00 | 1/14/2010 1:20:24 PM |
| blue-liberty-gourd | $25.00 | $25.00 | 1/14/2010 1:20:29 PM |
| productive-ore | $25.00 | $25.00 | 1/14/2010 8:06:32 PM |
| djh47a | $25.00 | $25.00 | 1/15/2010 9:44:24 AM |
| indomitable-dedication | $25.00 | $25.00 | 1/15/2010 9:38:13 AM |
| sincere-rate8 | $25.00 | $25.00 | 1/15/2010 9:39:55 AM |
| xiaoshem | $25.00 | $25.00 | 1/15/2010 1:28:18 PM |
| jleng | $25.00 | $25.00 | 1/15/2010 12:18:06 PM |
| topper480 | $25.00 | $25.00 | 1/15/2010 4:36:20 PM |
| JustMee | $25.00 | $25.00 | 1/15/2010 6:12:25 PM |
| Capit0l | $25.00 | $25.00 | 1/15/2010 7:31:12 PM |
| msullivaniii | $25.00 | $25.00 | 1/16/2010 7:01:53 PM |
| delicious-social132 | $25.00 | $25.00 | 1/13/2010 4:14:06 PM |
| MidLifeCrisis | $25.00 | $25.00 | 1/13/2010 4:14:12 PM |
| note-tent | $25.00 | $25.00 | 1/13/2010 4:13:49 PM |
| kegs | $100.00 | $100.00 | 1/13/2010 4:13:54 PM |
| inspiring-reward | $50.00 | $50.00 | 1/13/2010 4:14:05 PM |
| oceanwind1950 | $25.00 | $25.00 | 1/13/2010 4:18:11 PM |
| market-builder | $25.00 | $25.00 | 1/13/2010 4:19:03 PM |
| time4aloan | $25.00 | $25.00 | 1/13/2010 4:17:33 PM |
| putian47 | $25.00 | $25.00 | 1/13/2010 4:17:41 PM |
| handy-justice | $50.00 | $50.00 | 1/13/2010 4:14:00 PM |
| Phantom99 | $25.00 | $25.00 | 1/13/2010 4:14:08 PM |
| Orringo | $50.00 | $50.00 | 1/13/2010 4:14:33 PM |
| WMY-Investor | $25.00 | $25.00 | 1/13/2010 4:19:40 PM |
| bold-principal-thinker | $25.00 | $25.00 | 1/13/2010 4:18:01 PM |
| LR_Biker | $25.00 | $25.00 | 1/13/2010 4:19:03 PM |
| exchange-cowbell5 | $150.00 | $150.00 | 1/13/2010 7:25:13 PM |
| treasure-amplifier6 | $25.00 | $25.00 | 1/14/2010 2:57:09 AM |
| rock-turner | $25.00 | $25.00 | 1/14/2010 9:38:04 AM |
| teltech | $25.00 | $25.00 | 1/14/2010 8:19:31 AM |
| smloanbigresult | $25.00 | $25.00 | 1/14/2010 9:45:46 AM |
| adama_48 | $25.00 | $25.00 | 1/14/2010 11:05:19 AM |
| direct-return | $25.00 | $25.00 | 1/14/2010 9:37:15 AM |
| graceful-investment | $25.00 | $25.00 | 1/14/2010 9:37:59 AM |
| smmgnn99 | $25.01 | $25.01 | 1/14/2010 11:51:32 AM |
| fund-medalist171 | $25.00 | $25.00 | 1/14/2010 10:59:55 AM |
| principal-kung-fu | $25.00 | $25.00 | 1/14/2010 1:20:20 PM |
| moola-phase | $25.00 | $25.00 | 1/14/2010 1:20:22 PM |
| sensible-order2 | $25.00 | $25.00 | 1/14/2010 1:20:05 PM |
| integrity-disk | $25.00 | $25.00 | 1/14/2010 1:20:25 PM |
| green-careful-community | $25.00 | $25.00 | 1/14/2010 1:20:35 PM |
| boybutter | $25.00 | $25.00 | 1/14/2010 1:14:16 PM |
| jldallover | $25.00 | $25.00 | 1/14/2010 1:14:59 PM |
| red-ready-principal | $100.00 | $100.00 | 1/14/2010 1:20:23 PM |
| thetropics18 | $25.00 | $25.00 | 1/14/2010 1:20:27 PM |
| scottr | $25.00 | $25.00 | 1/14/2010 2:30:26 PM |
| Ananya | $25.00 | $25.00 | 1/14/2010 6:02:24 PM |
| NorthernFunds | $25.00 | $25.00 | 1/15/2010 11:00:46 AM |
| toddhutch | $25.00 | $25.00 | 1/15/2010 1:17:58 PM |
| archeanchaos | $25.00 | $25.00 | 1/15/2010 1:28:19 PM |
| hyrolln | $25.00 | $25.00 | 1/15/2010 4:55:14 PM |
| maccpro1 | $50.00 | $50.00 | 1/16/2010 5:25:21 AM |
| JKEnterprises | $25.00 | $25.00 | 1/16/2010 5:46:37 AM |
| galtsgulch | $25.00 | $25.00 | 1/16/2010 5:46:38 AM |
| Brainworm | $25.00 | $25.00 | 1/16/2010 6:50:41 AM |
| famous-bill | $75.00 | $19.99 | 1/16/2010 9:31:49 AM |
| supasonic | $150.00 | $150.00 | 1/16/2010 11:50:16 AM |
| 95 bids
|
Borrower Payment Dependent Notes Series
442691
This series of Notes was issued and sold upon the funding of the borrower loan #40557, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,200.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Jan-15-2010 |
| |
Auction end date:
| Jan-22-2010 |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $81.76 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 22.14% |
Final monthly payment:
| $81.65 |
| |
|
Auction yield range:
| 11.06% - 19.00% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.45% | | |
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
|
Prosper score:
| 8 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 640-659 (Jan-2010) |
Current / open credit lines:
| 24
/
18 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 60 | Length of status: | 7y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,693 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 51% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| superj11 |
Borrower's state:
| Florida |
Borrower's group:
| Christian Opportunities |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,900.00 | < mo. late:
| 0
( 0% )
| 620-639
(Jun-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
This is my second propser loan!!!
Purpose of loan: I have a JC Penny Dept Card that I closed out that has a balance of 2200. It has an interest rate of 23.9%, and I need to get that lowered. I am looking to refinance that debt with a lower interest rate loan. I have already taken out a loan from prosper for 1900 and paid it off without incident.
I've set a goal to become debt free by Jan 2012, and I have made significant strides in lower interest rates and paying debts off. JC Penny was not willing to work with me, so I am seeking help here.
My financial situation: I am a good canidate because I have never been unemployed, and I make a good salary. I have?worked extremely hard to get my credit score back up and I have dedicated myself becoming debt free. Back in 2004, I had some set backs and that was when I had my delinquencies. Soon those will start coming off my credit and it will start to rise significantly. I had a loan here before and you will see my score has risen since then. Thank you for the consideration, and I am trustworthy. I am not going to be late on this payment or any other payment I have with other companies. I am committed to raising my credit score.
Monthly net income: $ 4800
Monthly expenses: $???
Housing: $???400
Insurance: $ 95??
Car expenses: $ 360???
Utilities: $???
Phone, cable, internet: $ 120??
Food, entertainment: $ 200??
Clothing, household expenses $???
Credit cards and other loans: $???
Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
First, great job paying back your first Prosper loan! Quick question - Are you paid monthly, bi-weekly, weekly? Thanks. - UnkleMike
A:
bi-weekly
(Jan-18-2010)
Q:
You are showing income surplus of $3000+/month . why not use that to pay off your entire debt. - Capit0l
A:
I didn't think that section was that important from past experiences, and some people don't have that filled out. I take home 3000 a month, and right now all my extra funds are allocated to paying off debt. I am making big set payments. I have a goal to be debt free by Jan 2012. So I really don't have extra right now to throw at JC Penny. I also had a baby this past year and my wife isn't working, so I am paying most if the house bills until she goes back to work.
(Jan-22-2010)
Q:
Yes, great job on paying off that first loan!! If your monthly expenses are ~$1,175, why not jus use the extra money in each month to pay off the credit cards? Thanks! - brightest-velocity-paloverde
A:
I looked back at the section. I accidently put my gross income. My gross is 4800, and my net is 3000.
(Jan-22-2010)
Q:
Please explain your occupation - Capit0l
A:
I work in our engineering department at The Nielsen Company. We do extensive data analysis on issues we have with clients. I work with SQL, Access 2007, Excel 2007 and various Nielsen tools to analyze data. We do a lot of investigative work to problem solve.
(Jan-22-2010)
Q:
Do you have funds in a 401K for an emergency/retirement? Thanks - RecoveryLender
A:
Yes.. I have more than enough to cover this loan.
(Jan-22-2010)
Q:
will you keep the loan for atleast 12 months ? - Capit0l
A:
Yes.... but probably not the full 3 years.
(Jan-22-2010)
Q:
Your first listing (Listing #344704) on June 2008 says your employment length was 2 years .
2 year later your listing says employment length 7, 7months.
Please explain - Capit0l
A:
Last time I had no questions..lol... when I stated 7 years 7 months I meant working since I graduated college. I worked at different corporations, but the grand total was 7,7. Meaning that is how long I have been in working in my field. In the previous listing, I meant that was how long I was at that company. I have been at Nielsen for over 1 year, but had no gap in employment.
(Jan-22-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Happyhourcomics | $25.00 | $25.00 | 1/22/2010 2:12:59 PM |
| Bob450 | $25.00 | $25.00 | 1/15/2010 8:51:57 PM |
| lender12345 | $25.00 | $25.00 | 1/18/2010 8:22:21 PM |
| lepolgr | $50.00 | $50.00 | 1/19/2010 11:48:06 AM |
| well-mannered-income3 | $25.00 | $25.00 | 1/20/2010 3:23:00 PM |
| bobnewt | $50.00 | $50.00 | 1/20/2010 6:59:42 PM |
| labyrinth0 | $25.00 | $25.00 | 1/20/2010 5:42:44 PM |
| yerkster1 | $75.00 | $75.00 | 1/21/2010 5:48:47 AM |
| ladyorayne | $100.00 | $100.00 | 1/21/2010 2:09:52 PM |
| Loan_shark718 | $35.00 | $35.00 | 1/21/2010 4:09:18 PM |
| Kash2010lu | $25.00 | $25.00 | 1/21/2010 5:54:59 PM |
| wild-orange | $25.00 | $25.00 | 1/22/2010 1:03:19 AM |
| Leshan | $100.00 | $100.00 | 1/22/2010 7:35:54 AM |
| btormc5 | $30.00 | $30.00 | 1/22/2010 9:35:58 AM |
| jybank | $25.00 | $25.00 | 1/22/2010 10:04:06 AM |
| Bob450 | $25.00 | $25.00 | 1/22/2010 12:05:28 PM |
| trumpeter5 | $100.00 | $79.07 | 1/22/2010 1:17:55 PM |
| prominence8 | $25.00 | $25.00 | 1/22/2010 1:43:25 PM |
| nymoney | $70.00 | $70.00 | 1/22/2010 1:45:20 PM |
| CoolPlexer | $25.00 | $25.00 | 1/22/2010 1:51:33 PM |
| crw1950 | $50.00 | $50.00 | 1/22/2010 2:33:21 PM |
| glazeddonuts | $28.26 | $28.26 | 1/22/2010 2:53:37 PM |
| draggon77 | $30.00 | $30.00 | 1/22/2010 2:32:37 PM |
| armstrjc_04 | $28.95 | $28.95 | 1/22/2010 3:20:02 PM |
| loss-of-control | $25.00 | $25.00 | 1/22/2010 3:33:12 PM |
| friendinmoney | $44.57 | $44.57 | 1/22/2010 3:56:15 PM |
| unger | $50.00 | $50.00 | 1/22/2010 3:55:11 PM |
| SolarMoonshine | $25.00 | $25.00 | 1/19/2010 4:37:05 PM |
| asset-control2 | $50.00 | $50.00 | 1/20/2010 7:15:57 AM |
| wealth-pipeline | $25.00 | $25.00 | 1/21/2010 7:50:32 AM |
| SlickNick | $25.00 | $25.00 | 1/21/2010 5:23:03 PM |
| LeverageLender | $25.00 | $25.00 | 1/21/2010 8:15:00 PM |
| inspired-basis | $32.39 | $32.39 | 1/22/2010 8:47:16 AM |
| RecoveryLender | $25.00 | $25.00 | 1/22/2010 10:44:53 AM |
| BrighterSuns | $25.00 | $25.00 | 1/22/2010 11:53:23 AM |
| mrxtravis | $150.54 | $150.54 | 1/22/2010 12:03:53 PM |
| mkvance | $30.26 | $30.26 | 1/22/2010 12:54:03 PM |
| MrMoneyBags | $29.70 | $29.70 | 1/22/2010 12:50:00 PM |
| Skeptical-one | $100.00 | $100.00 | 1/22/2010 1:28:56 PM |
| ddoneday | $26.26 | $26.26 | 1/22/2010 2:10:51 PM |
| JGuide | $25.00 | $25.00 | 1/22/2010 2:37:08 PM |
| AsianDragon | $100.00 | $100.00 | 1/22/2010 2:38:01 PM |
| Kanyon | $50.00 | $50.00 | 1/22/2010 2:33:50 PM |
| Capit0l | $25.00 | $25.00 | 1/22/2010 2:53:04 PM |
| patriot384 | $100.00 | $100.00 | 1/22/2010 3:07:34 PM |
| exchange-cowbell5 | $100.00 | $100.00 | 1/22/2010 3:34:30 PM |
| LAKETIME | $60.00 | $60.00 | 1/22/2010 3:33:23 PM |
| jcw3rd | $25.00 | $25.00 | 1/22/2010 3:49:31 PM |
| Engineer44 | $25.00 | $25.00 | 1/22/2010 3:56:01 PM |
| 49 bids
|
Borrower Payment Dependent Notes Series
442771
This series of Notes was issued and sold upon the funding of the borrower loan #40546, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Jan-15-2010 |
| |
Auction end date:
| Jan-22-2010 |
|
|
Starting lender yield:
| 8.40% |
Starting borrower rate/APR:
| 9.40% / 11.50% |
Starting monthly payment:
| $255.89 |
|
Final lender yield:
| 8.35% |
Final borrower rate/APR:
| 9.35% / 11.45% |
Final monthly payment:
| $255.70 |
| |
|
Auction yield range:
| 4.06% - 8.40% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.23% | | |
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
|
Prosper score:
| 9 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 740-759 (Jan-2010) |
Current / open credit lines:
| 11
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 17y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $35,021 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 84% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| halo566 |
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
Refinancing credit cards
Purpose of loan:
This loan will be used to pay off two credit cards charging high interest.
My financial situation:
I am a good candidate for this loan because I have a completely clean payment history with no missed payments. I have good reliable income. This will be a safe loan that I can reliably pay and will lower my interest rate. Thank you for considering this application. I appreciate your time.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is your monthly net income and monthly expenses? - marala4285
A:
Thank you for your question:
Net income: $13,000
Net expenses: $6,300
The balance goes into savings and investment accounts, that can be accessed at short notice.
(Jan-18-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rellotsf | $25.00 | $25.00 | 1/15/2010 3:57:59 PM |
| Jager31 | $25.00 | $25.00 | 1/15/2010 3:58:04 PM |
| payout-carnival | $25.00 | $25.00 | 1/15/2010 3:58:22 PM |
| influential-gain | $25.00 | $25.00 | 1/15/2010 3:59:11 PM |
| accord0 | $25.00 | $25.00 | 1/15/2010 3:59:17 PM |
| unk1911 | $25.00 | $25.00 | 1/15/2010 4:00:28 PM |
| msbutah | $50.00 | $50.00 | 1/15/2010 4:00:57 PM |
| booksleuth | $26.03 | $26.03 | 1/15/2010 4:02:09 PM |
| hope-eagle6 | $25.00 | $25.00 | 1/15/2010 4:02:20 PM |
| commerce-web5 | $25.00 | $25.00 | 1/15/2010 3:58:14 PM |
| DadWarbucks | $25.00 | $25.00 | 1/15/2010 3:59:53 PM |
| theincarnatemike | $25.00 | $25.00 | 1/15/2010 3:58:16 PM |
| iceberg982362 | $25.00 | $25.00 | 1/15/2010 3:58:31 PM |
| 18th_beachbum | $25.00 | $25.00 | 1/15/2010 4:04:30 PM |
| treasure-bliss | $100.00 | $100.00 | 1/15/2010 4:04:42 PM |
| puifais | $25.00 | $25.00 | 1/15/2010 4:04:49 PM |
| madpinto21 | $26.07 | $26.07 | 1/15/2010 3:59:36 PM |
| lloyd_s | $25.00 | $25.00 | 1/15/2010 4:05:11 PM |
| promiser200 | $25.00 | $25.00 | 1/15/2010 4:01:37 PM |
| steady-gain5 | $25.00 | $25.00 | 1/15/2010 4:05:27 PM |
| phillipd48 | $25.00 | $25.00 | 1/15/2010 4:05:29 PM |
| beleza | $50.00 | $50.00 | 1/15/2010 4:05:52 PM |
| Robyn5722 | $25.00 | $25.00 | 1/15/2010 4:05:57 PM |
| physicsjoe | $25.00 | $25.00 | 1/15/2010 4:06:00 PM |
| elegant-bonus | $25.00 | $25.00 | 1/15/2010 4:02:46 PM |
| cyberie21 | $25.00 | $25.00 | 1/15/2010 4:02:48 PM |
| calm-deal7 | $30.00 | $30.00 | 1/15/2010 4:03:03 PM |
| community-pipeline8 | $50.00 | $50.00 | 1/15/2010 4:06:53 PM |
| kenji4861 | $25.00 | $25.00 | 1/15/2010 4:03:10 PM |
| neenerman | $25.00 | $25.00 | 1/15/2010 4:03:15 PM |
| saxquiz | $25.00 | $25.00 | 1/15/2010 4:07:30 PM |
| bchen78875 | $25.00 | $25.00 | 1/15/2010 4:03:42 PM |
| one-midas | $25.00 | $25.00 | 1/15/2010 4:07:33 PM |
| Kaj | $25.00 | $25.00 | 1/15/2010 4:03:46 PM |
| adir1 | $25.00 | $25.00 | 1/15/2010 4:04:02 PM |
| MrMoney0622 | $25.00 | $25.00 | 1/15/2010 4:02:44 PM |
| money2k | $25.00 | $25.00 | 1/15/2010 4:07:51 PM |
| yield-hero4 | $25.00 | $25.00 | 1/15/2010 4:04:22 PM |
| loanfairy | $25.00 | $25.00 | 1/15/2010 4:03:06 PM |
| larrybird | $100.00 | $100.00 | 1/15/2010 4:04:25 PM |
| Katburg | $35.00 | $35.00 | 1/15/2010 4:04:35 PM |
| kulender | $25.00 | $25.00 | 1/15/2010 4:04:39 PM |
| personal-lender | $25.00 | $25.00 | 1/15/2010 4:03:35 PM |
| Banker7371 | $25.00 | $25.00 | 1/15/2010 4:03:55 PM |
| Binan | $25.00 | $25.00 | 1/15/2010 4:04:00 PM |
| Lightlife | $50.00 | $50.00 | 1/15/2010 4:05:16 PM |
| CrossCreek | $25.00 | $25.00 | 1/15/2010 4:05:25 PM |
| dmfog | $25.00 | $25.00 | 1/15/2010 4:04:20 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 1/15/2010 4:06:18 PM |
| hyetech | $35.00 | $35.00 | 1/15/2010 4:06:40 PM |
| piter-to-la-investment | $25.00 | $25.00 | 1/15/2010 4:04:50 PM |
| payout-point | $50.00 | $50.00 | 1/15/2010 4:05:01 PM |
| bajeezus | $25.00 | $25.00 | 1/15/2010 4:07:00 PM |
| value-pole | $25.00 | $25.00 | 1/15/2010 4:05:15 PM |
| harmonious-revenue7 | $25.00 | $25.00 | 1/15/2010 4:07:08 PM |
| tsui517 | $25.00 | $25.00 | 1/15/2010 4:07:18 PM |
| walabie | $25.00 | $25.00 | 1/15/2010 4:05:45 PM |
| inspired-contract9 | $25.00 | $25.00 | 1/15/2010 4:07:32 PM |
| Clambake | $50.00 | $50.00 | 1/15/2010 4:06:25 PM |
| youqianderen | $50.00 | $50.00 | 1/15/2010 4:06:29 PM |
| Macinvest | $25.00 | $25.00 | 1/15/2010 4:06:43 PM |
| reward-adventure | $25.00 | $25.00 | 1/15/2010 4:06:49 PM |
| BigBoy2008 | $25.00 | $25.00 | 1/15/2010 4:07:10 PM |
| Archchancellor | $25.00 | $25.00 | 1/15/2010 4:07:23 PM |
| dma1206 | $25.00 | $25.00 | 1/15/2010 5:35:59 PM |
| wonderous-power | $25.00 | $25.00 | 1/16/2010 4:25:47 AM |
| HappyToLoan | $25.00 | $25.00 | 1/16/2010 7:21:27 PM |
| dollardave | $100.00 | $100.00 | 1/17/2010 11:47:39 AM |
| asset-caballero | $25.00 | $25.00 | 1/18/2010 12:21:49 PM |
| interstellar | $41.77 | $41.77 | 1/18/2010 2:48:39 PM |
| shur | $25.00 | $25.00 | 1/18/2010 8:39:31 PM |
| MonkeyHero | $27.79 | $27.79 | 1/19/2010 9:43:20 PM |
| e3oM | $60.00 | $60.00 | 1/19/2010 8:00:29 PM |
| integrity-doctor | $50.00 | $50.00 | 1/20/2010 1:51:31 PM |
| fabeasy | $50.00 | $50.00 | 1/21/2010 10:04:18 AM |
| nickel-ranch | $25.00 | $25.00 | 1/21/2010 11:11:17 AM |
| TigerForce | $25.00 | $25.00 | 1/21/2010 2:05:22 PM |
| jybank | $25.00 | $25.00 | 1/21/2010 4:53:41 PM |
| Spinnaker | $50.00 | $50.00 | 1/21/2010 5:12:42 PM |
| estancias | $25.00 | $25.00 | 1/21/2010 8:23:51 PM |
| MoneyTree79 | $36.53 | $36.53 | 1/22/2010 7:13:07 AM |
| trumpeter5 | $100.00 | $100.00 | 1/22/2010 9:31:37 AM |
| velocity-winner | $25.00 | $25.00 | 1/22/2010 12:10:47 PM |
| George2384 | $25.00 | $25.00 | 1/22/2010 12:58:30 PM |
| Oak-Parker | $25.00 | $25.00 | 1/22/2010 1:16:45 PM |
| agile | $25.00 | $25.00 | 1/22/2010 1:28:12 PM |
| LoanerPrincipal | $50.00 | $50.00 | 1/22/2010 1:30:07 PM |
| 1SteelerFan | $25.00 | $25.00 | 1/22/2010 3:17:54 PM |
| jybank | $25.00 | $25.00 | 1/22/2010 3:38:39 PM |
| XopherMV | $25.00 | $25.00 | 1/15/2010 3:58:02 PM |
| crispies | $25.00 | $25.00 | 1/15/2010 3:58:17 PM |
| funds-shaker8 | $25.00 | $25.00 | 1/15/2010 3:58:24 PM |
| RG | $25.00 | $25.00 | 1/15/2010 3:59:10 PM |
| cash-boots | $25.00 | $25.00 | 1/15/2010 4:00:05 PM |
| AF-Chief | $35.00 | $35.00 | 1/15/2010 4:00:31 PM |
| openness-prospector | $25.00 | $25.00 | 1/15/2010 4:00:51 PM |
| Frugal | $25.00 | $25.00 | 1/15/2010 4:01:55 PM |
| desertoasis | $25.00 | $25.00 | 1/15/2010 4:03:24 PM |
| elasermd | $100.00 | $100.00 | 1/15/2010 3:59:45 PM |
| gulch | $25.00 | $25.00 | 1/15/2010 4:03:50 PM |
| payogie | $25.00 | $25.00 | 1/15/2010 3:59:57 PM |
| contract-voltage | $25.00 | $25.00 | 1/15/2010 4:03:58 PM |
| first-pragmatic-note | $25.00 | $25.00 | 1/15/2010 4:00:21 PM |
| aue513 | $25.00 | $25.00 | 1/15/2010 3:58:19 PM |
| Prosp_Lender | $50.00 | $50.00 | 1/15/2010 4:04:14 PM |
| Au-Ag-Pt | $25.00 | $25.00 | 1/15/2010 4:00:30 PM |
| aventurer | $25.00 | $25.00 | 1/15/2010 4:04:16 PM |
| UT-Longhorn | $25.00 | $25.00 | 1/15/2010 4:00:44 PM |
| crazycool | $25.00 | $25.00 | 1/15/2010 4:04:28 PM |
| Cheburashka | $25.00 | $25.00 | 1/15/2010 4:00:49 PM |
| red-trade-cologne | $25.00 | $25.00 | 1/15/2010 4:00:54 PM |
| PocketAces | $25.00 | $25.00 | 1/15/2010 4:04:51 PM |
| Interstate_Rate | $500.00 | $500.00 | 1/15/2010 4:04:58 PM |
| shingu79 | $27.71 | $27.71 | 1/15/2010 3:59:39 PM |
| mikeandcat | $50.00 | $50.00 | 1/15/2010 4:05:07 PM |
| nalaari | $25.00 | $25.00 | 1/15/2010 3:59:51 PM |
| Tom579 | $25.00 | $25.00 | 1/15/2010 4:05:23 PM |
| Homeinvest | $25.00 | $25.00 | 1/15/2010 4:05:50 PM |
| BigMoney56 | $25.00 | $25.00 | 1/15/2010 4:05:53 PM |
| Strato | $25.00 | $25.00 | 1/15/2010 4:05:59 PM |
| egw | $25.00 | $25.00 | 1/15/2010 4:02:31 PM |
| bonus-buddy2 | $35.00 | $35.00 | 1/15/2010 4:06:22 PM |
| chicco | $80.00 | $80.00 | 1/15/2010 4:06:27 PM |
| WillyBobba | $25.00 | $25.00 | 1/15/2010 4:02:41 PM |
| Dutchhunter | $50.00 | $50.00 | 1/15/2010 4:06:35 PM |
| digitalrinaldo | $25.00 | $25.00 | 1/15/2010 4:06:42 PM |
| cberthiaume | $25.00 | $25.00 | 1/15/2010 4:01:08 PM |
| Weaverville | $25.00 | $25.00 | 1/15/2010 4:06:47 PM |
| duty-sensai | $25.00 | $25.00 | 1/15/2010 4:03:01 PM |
| Carpetkid | $25.00 | $25.00 | 1/15/2010 4:06:52 PM |
| ekmendenhall | $25.00 | $25.00 | 1/15/2010 4:06:55 PM |
| a-resplendent-asset | $26.45 | $26.45 | 1/15/2010 4:01:43 PM |
| anders94 | $25.00 | $25.00 | 1/15/2010 4:07:03 PM |
| lean-velocity | $25.00 | $25.00 | 1/15/2010 4:03:17 PM |
| top-silver-american | $25.00 | $25.00 | 1/15/2010 4:07:16 PM |
| diplomatic-point4 | $50.00 | $50.00 | 1/15/2010 4:02:01 PM |
| CPDDDS | $50.00 | $50.00 | 1/15/2010 4:07:20 PM |
| elegant-income3 | $30.00 | $30.00 | 1/15/2010 4:03:29 PM |
| auction-elvis | $25.00 | $25.00 | 1/15/2010 4:07:28 PM |
| tidy-dime | $25.00 | $25.00 | 1/15/2010 4:02:23 PM |
| market-path | $50.00 | $50.00 | 1/15/2010 4:07:34 PM |
| SNH | $50.00 | $50.00 | 1/15/2010 4:03:49 PM |
| bigdogsafety1 | $25.00 | $25.00 | 1/15/2010 4:02:34 PM |
| littlemonkey | $25.00 | $25.00 | 1/15/2010 4:07:46 PM |
| repayment-launcher | $25.00 | $25.00 | 1/15/2010 4:07:49 PM |
| microlendblvr | $150.00 | $150.00 | 1/15/2010 4:04:09 PM |
| CAGE-Investments | $100.00 | $100.00 | 1/15/2010 4:07:55 PM |
| schpere | $25.00 | $25.00 | 1/15/2010 4:04:11 PM |
| first-fund-empenada | $25.00 | $25.00 | 1/15/2010 4:03:21 PM |
| skobos8225 | $25.00 | $25.00 | 1/15/2010 4:04:41 PM |
| peso-colonel | $25.00 | $25.00 | 1/15/2010 4:04:45 PM |
| The-CAPS-fan | $30.00 | $30.00 | 1/15/2010 4:04:56 PM |
| studious-listing8 | $25.00 | $25.00 | 1/15/2010 4:05:00 PM |
| DRA-Properties | $25.00 | $25.00 | 1/15/2010 4:03:52 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 1/15/2010 4:05:03 PM |
| burgeoning-silver | $25.00 | $25.00 | 1/15/2010 4:05:08 PM |
| BBall_Mom | $25.00 | $25.00 | 1/15/2010 4:05:21 PM |
| wonderful-return5 | $25.00 | $25.00 | 1/15/2010 4:04:05 PM |
| bronzmajom | $25.00 | $25.00 | 1/15/2010 4:05:51 PM |
| docktah | $50.00 | $50.00 | 1/15/2010 4:04:18 PM |
| commitment-forte6 | $25.00 | $25.00 | 1/15/2010 4:04:53 PM |
| tom48l | $25.00 | $25.00 | 1/15/2010 4:06:46 PM |
| bowdish1 | $100.00 | $100.00 | 1/15/2010 4:06:57 PM |
| miked8303 | $25.00 | $25.00 | 1/15/2010 4:05:13 PM |
| cpaphoto | $25.00 | $25.00 | 1/15/2010 4:07:04 PM |
| ccaxid57 | $25.00 | $25.00 | 1/15/2010 4:07:12 PM |
| carydude | $25.00 | $25.00 | 1/15/2010 4:05:19 PM |
| hptcrabbers | $25.00 | $25.00 | 1/15/2010 4:05:22 PM |
| 30Sky | $25.00 | $25.00 | 1/15/2010 4:07:21 PM |
| kaiger | $25.00 | $25.00 | 1/15/2010 4:07:25 PM |
| zippy-interest | $25.00 | $25.00 | 1/15/2010 4:07:29 PM |
| Aimvest | $25.00 | $25.00 | 1/15/2010 4:07:39 PM |
| museic1 | $50.00 | $50.00 | 1/15/2010 4:06:20 PM |
| xstreamin | $25.00 | $25.00 | 1/15/2010 4:06:30 PM |
| best-deal-banker | $25.00 | $1.58 | 1/15/2010 4:07:59 PM |
| ThomasCrown | $30.00 | $30.00 | 1/15/2010 4:06:33 PM |
| harperpotok | $100.00 | $100.00 | 1/15/2010 4:06:38 PM |
| peaceful-return2 | $25.00 | $25.00 | 1/15/2010 4:07:13 PM |
| EmeritusX | $25.00 | $25.00 | 1/15/2010 4:21:53 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 1/15/2010 6:11:57 PM |
| the-bright-velocity | $25.00 | $25.00 | 1/18/2010 4:29:18 PM |
| bonus-apple | $50.00 | $50.00 | 1/18/2010 8:39:35 PM |
| springpanda | $25.00 | $25.00 | 1/18/2010 11:40:17 PM |
| grafton | $500.00 | $500.00 | 1/19/2010 11:21:43 PM |
| myidear | $27.00 | $27.00 | 1/20/2010 4:25:23 AM |
| rjsdsu | $25.00 | $25.00 | 1/20/2010 4:49:05 PM |
| Earnest_Money | $50.00 | $50.00 | 1/20/2010 8:53:39 PM |
| springpanda | $25.00 | $25.00 | 1/20/2010 11:01:34 PM |
| Russia5M | $25.00 | $25.00 | 1/21/2010 5:30:03 AM |
| kf88 | $30.00 | $30.00 | 1/21/2010 1:09:16 PM |
| RandyL3 | $34.00 | $34.00 | 1/21/2010 5:00:37 PM |
| icanhelpyouout | $30.84 | $30.84 | 1/21/2010 6:47:44 PM |
| important-ore | $50.00 | $50.00 | 1/21/2010 6:06:52 PM |
| agreement-bunny | $25.00 | $25.00 | 1/21/2010 7:47:37 PM |
| JerryB96 | $25.00 | $25.00 | 1/21/2010 9:17:02 PM |
| orbital-transparency | $25.00 | $25.00 | 1/21/2010 10:10:12 PM |
| Charmart | $25.00 | $25.00 | 1/22/2010 2:33:40 AM |
| Spiv_51 | $25.00 | $25.00 | 1/22/2010 3:50:54 AM |
| moneytolend72 | $50.00 | $50.00 | 1/22/2010 8:21:28 AM |
| LaXavier | $25.00 | $25.00 | 1/22/2010 9:02:42 AM |
| cu2maro | $50.00 | $50.00 | 1/22/2010 11:50:14 AM |
| BrighterSuns | $25.00 | $25.00 | 1/22/2010 12:41:30 PM |
| ghinga | $25.00 | $25.00 | 1/22/2010 1:30:33 PM |
| Patrician | $59.63 | $59.63 | 1/22/2010 1:40:23 PM |
| the-profit-oracle | $25.00 | $25.00 | 1/22/2010 2:52:54 PM |
| bicyclist2270 | $25.00 | $25.00 | 1/22/2010 3:23:10 PM |
| wwwUniversal | $25.00 | $25.00 | 1/22/2010 3:33:49 PM |
| FOFagent1 | $125.00 | $125.00 | 1/22/2010 3:40:58 PM |
| exchange-squirrel | $25.00 | $25.00 | 1/22/2010 3:50:58 PM |
| jcw3rd | $25.00 | $25.00 | 1/22/2010 3:53:45 PM |
| blitz_ac | $49.60 | $49.60 | 1/22/2010 3:56:20 PM |
| 211 bids
|
Borrower Payment Dependent Notes Series
442941
This series of Notes was issued and sold upon the funding of the borrower loan #40556, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Jan-19-2010 |
| |
Auction end date:
| Jan-23-2010 |
|
|
Starting lender yield:
| 31.88% |
Starting borrower rate/APR:
| 32.88% / 35.30% |
Starting monthly payment:
| $132.13 |
|
Final lender yield:
| 31.88% |
Final borrower rate/APR:
| 32.88% / 35.30% |
Final monthly payment:
| $132.13 |
| |
|
Auction yield range:
| 14.06% - 31.88% |
Estimated loss impact:
| 16.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.71% | | |
<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:
| Jun-1994 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 620-639 (Jan-2010) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 10y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $50 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| chitownteach |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 15 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $14,400.00 | < mo. late:
| 0
( 0% )
| 780-799
(Feb-2008)
640-659
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Looking to pay off my car
Purpose of loan:
(explain what you will be using this loan for)
Hi and thanks for stopping by.? I had to miss four months of work due to spinal fusion surgery, and it also prevented me from working the summer like I normally do. I can now make my payments and want a lower than what I am paying now to start to save-
My financial situation:
(explain why you are a good candidate for paying back this loan)
I will be able to make the payments and? get ahead because I am debt free except for my car and mortgage. Plus I earn extra income by coaching boys/girls basketball and ballroom dancing which starts in March.? The first phase of my plan has been completed, and I paid back?all of my debt and my first prosper and second prosper loan. The debt I have left is?only?what I owe on my car,?so if I can lower that I will save much more per month.? I would like to become debt free and give back to people on prosper as those who have helped me.
Monthly net income: $
3900
Monthly expenses: $?
??Mortgage: $ 1500
??car Insurance: $?85
??Car expenses(GAS): $200
??Utilities: $?100
??Phone, cable, internet: $ 65
??Food, entertainment: $ 300
??Clothing, household expenses $?150
??Credit cards and other loans:?0
??Other expenses: $ 400(Car)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
How is your back now? Are you plan-free and fully-functional? Please answer publicly. Thanks much and best wishes. - reflective-rupee
A:
my cervical spine is doing well now, I even played a round of golf at the end of last year. I am good to go-- thanks for asking
(Jan-20-2010)
Q:
For your car loan, please indicate your monthly car payment, the interest rate, and the number of payments left. Please answer publicly. Thanks much and best wishes. - reflective-rupee
A:
My payment is $396, and I have 10 months left. I figure if I pay it off, to pay back to prosper $140 instead of $400, I could start to save more monthly
(Jan-20-2010)
Q:
Please indicate the principal balances left to pay off on your mortgages. Please indicate the interest rate on your mortgage (and if it is adjustable) and the monthly mortgage payment). Please indicate the current value of your home (via zillow.com - reflective-rupee
A:
I have 1 mortgage, for $209000, at 6.5 %. It is on my condo.
(Jan-20-2010)
Q:
Do you teach in a public or private school? Have you been any teacher cut backs at your school? If a public school, does your city or town have a budget shortfall projected for this fiscal year? Thanks much - reflective-rupee
A:
I teach in a public school which is one of the top performing schools in Chicago. I am tenured and no cuts look to be had. My job is very secure.
(Jan-20-2010)
Q:
Please indicate the current value of your condo (feel free to use zillow.com). Please answer publicly. Thanks much. - reflective-rupee
A:
my condos value is approximately $212,000
(Jan-20-2010)
Q:
Please indicate the HOA (home owner association) fees on your condo. Thanks. - kapitalx
A:
$125 per month
(Jan-21-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $100.00 | $100.00 | 1/19/2010 10:43:58 AM |
| FinDoc | $25.00 | $25.00 | 1/19/2010 12:26:17 PM |
| JustMee | $25.00 | $25.00 | 1/19/2010 8:59:08 PM |
| Bob450 | $50.00 | $50.00 | 1/19/2010 11:02:52 PM |
| MoneyForNothing | $25.00 | $25.00 | 1/19/2010 10:16:03 PM |
| reflective-rupee | $100.00 | $100.00 | 1/20/2010 2:15:41 PM |
| Capit0l | $25.00 | $25.00 | 1/21/2010 9:50:01 AM |
| kapitalx | $25.00 | $25.00 | 1/21/2010 10:21:54 AM |
| well-mannered-income3 | $40.00 | $40.00 | 1/21/2010 3:18:23 PM |
| best-generosity-financier | $25.00 | $25.00 | 1/21/2010 4:08:49 PM |
| SFBank | $200.00 | $200.00 | 1/21/2010 4:26:19 PM |
| orange-finance-banker | $25.00 | $25.00 | 1/21/2010 4:39:12 PM |
| hellasow | $30.00 | $30.00 | 1/22/2010 8:49:03 AM |
| reflective-rupee | $100.00 | $100.00 | 1/22/2010 10:13:50 AM |
| reflective-rupee | $100.00 | $100.00 | 1/22/2010 10:14:27 AM |
| penny-surgeon | $25.00 | $25.00 | 1/22/2010 10:25:38 AM |
| reflective-rupee | $100.00 | $100.00 | 1/22/2010 10:13:37 AM |
| exchange-cowbell5 | $50.00 | $50.00 | 1/22/2010 12:15:52 PM |
| loss-of-control | $25.00 | $25.00 | 1/22/2010 3:52:12 PM |
| DenimCapital | $100.00 | $100.00 | 1/22/2010 4:40:29 PM |
| tcbmc | $25.00 | $25.00 | 1/22/2010 4:52:19 PM |
| BankofBeth | $25.00 | $25.00 | 1/22/2010 6:24:37 PM |
| tigercat | $50.00 | $50.00 | 1/22/2010 8:11:28 PM |
| UnkleMike | $25.00 | $21.37 | 1/22/2010 9:45:44 PM |
| blackbear | $40.00 | $40.00 | 1/22/2010 8:56:54 PM |
| twjh | $25.00 | $25.00 | 1/23/2010 12:05:08 AM |
| unger | $50.00 | $50.00 | 1/23/2010 3:14:28 AM |
| Dollars4Rent | $25.00 | $25.00 | 1/23/2010 7:25:48 AM |
| bankbuddy55 | $50.00 | $50.00 | 1/23/2010 8:17:36 AM |
| RecoveryLender | $37.70 | $37.70 | 1/23/2010 9:18:07 AM |
| lucrative-durability | $25.00 | $25.00 | 1/23/2010 11:25:53 AM |
| goofy15975 | $25.00 | $25.00 | 1/19/2010 10:56:54 AM |
| frugalinvestor20 | $25.00 | $25.00 | 1/19/2010 11:27:20 AM |
| CA_Lender | $25.00 | $25.00 | 1/19/2010 12:20:21 PM |
| zento | $25.00 | $25.00 | 1/19/2010 9:31:52 PM |
| pietro_torna_indietro | $28.52 | $28.52 | 1/20/2010 6:37:07 AM |
| pietro_torna_indietro | $35.00 | $35.00 | 1/20/2010 6:38:17 AM |
| reflective-rupee | $100.00 | $100.00 | 1/20/2010 2:15:26 PM |
| aurorafinancial | $50.00 | $50.00 | 1/20/2010 3:40:43 PM |
| SolarMoonshine | $100.00 | $100.00 | 1/20/2010 5:55:55 PM |
| kapitalx | $25.00 | $25.00 | 1/21/2010 10:22:07 AM |
| Peterman | $50.00 | $50.00 | 1/21/2010 8:03:01 PM |
| credit-shower | $25.00 | $25.00 | 1/21/2010 9:02:13 PM |
| bright-exchange | $25.00 | $25.00 | 1/21/2010 10:41:47 PM |
| Bomber | $30.61 | $30.61 | 1/22/2010 5:10:37 AM |
| buffalobills | $25.00 | $25.00 | 1/22/2010 8:00:15 AM |
| RecoveryLender | $28.28 | $28.28 | 1/22/2010 10:50:43 AM |
| Skeptical-one | $50.00 | $50.00 | 1/22/2010 12:07:22 PM |
| well-mannered-income3 | $30.00 | $30.00 | 1/22/2010 1:23:48 PM |
| UnkleMike | $25.00 | $25.00 | 1/22/2010 2:42:03 PM |
| loss-of-control | $25.00 | $25.00 | 1/22/2010 3:52:32 PM |
| DenimCapital | $100.00 | $100.00 | 1/22/2010 4:40:41 PM |
| PHUCKYOUAZZHOLE | $25.00 | $25.00 | 1/22/2010 4:33:48 PM |
| DenimCapital | $60.04 | $60.04 | 1/22/2010 4:41:03 PM |
| Kash2010lu | $25.00 | $25.00 | 1/22/2010 7:46:36 PM |
| Kash2010lu | $25.00 | $25.00 | 1/22/2010 7:49:14 PM |
| zone6 | $200.00 | $200.00 | 1/22/2010 8:05:11 PM |
| sensible-fund | $30.37 | $30.37 | 1/22/2010 11:54:15 PM |
| reflective-rupee | $100.00 | $100.00 | 1/23/2010 12:05:33 AM |
| wonderous-power | $25.00 | $25.00 | 1/23/2010 3:41:45 AM |
| GeoLender | $25.00 | $25.00 | 1/23/2010 7:13:28 AM |
| investment-visionary | $38.11 | $38.11 | 1/23/2010 11:07:48 AM |
| credit-coach118 | $25.00 | $25.00 | 1/23/2010 11:13:02 AM |
| 63 bids
|
Borrower Payment Dependent Notes Series
443211
This series of Notes was issued and sold upon the funding of the borrower loan #40579, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Jan-19-2010 |
| |
Auction end date:
| Jan-19-2010 |
|
|
Starting lender yield:
| 7.40% |
Starting borrower rate/APR:
| 8.40% / 10.72% |
Starting monthly payment:
| $47.28 |
|
Final lender yield:
| 7.35% |
Final borrower rate/APR:
| 8.35% / 10.67% |
Final monthly payment:
| $47.25 |
| |
|
Auction yield range:
| 4.06% - 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:
| Dec-2002 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 700-719 (Jan-2010) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,371 |
Occupation: | Waiter/Waitress |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 35% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| p2p-mulberry |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to help pay down debts
My financial situation:
I am a good candidate for this loan because i will always make my payments on time as you will see in my credit report
Monthly net income: $ 1,800
Monthly expenses: $
??Housing: $ 100????
??Insurance: $ 99.65
??Car expenses: $ 334.64
??Utilities: $ 140.00
??Phone, cable, internet: $?
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 446.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| first-pragmatic-note | $25.00 | $25.00 | 1/19/2010 10:16:03 AM |
| Katburg | $50.00 | $50.00 | 1/19/2010 10:35:50 AM |
| inventive-wealth2 | $25.00 | $25.00 | 1/19/2010 10:36:05 AM |
| BankofBen | $250.00 | $250.00 | 1/19/2010 10:54:42 AM |
| Mav26 | $200.00 | $200.00 | 1/19/2010 10:53:20 AM |
| elasermd | $100.00 | $100.00 | 1/19/2010 10:58:04 AM |
| responsibility-butterfly | $25.00 | $25.00 | 1/19/2010 11:17:02 AM |
| friendly-market5 | $25.00 | $25.00 | 1/19/2010 11:26:46 AM |
| jbaum | $100.00 | $100.00 | 1/19/2010 11:27:55 AM |
| 18th_beachbum | $25.00 | $25.00 | 1/19/2010 11:27:59 AM |
| first-upright-payout | $50.00 | $50.00 | 1/19/2010 11:28:48 AM |
| junes08 | $50.00 | $50.00 | 1/19/2010 4:29:50 PM |
| lean-velocity | $25.00 | $25.00 | 1/19/2010 10:29:28 AM |
| kenji4861 | $25.00 | $25.00 | 1/19/2010 10:29:06 AM |
| bigdogsafety1 | $25.00 | $25.00 | 1/19/2010 10:42:25 AM |
| selector568 | $250.00 | $250.00 | 1/19/2010 10:58:19 AM |
| meenan | $25.00 | $25.00 | 1/19/2010 11:27:26 AM |
| lloyd_s | $25.00 | $25.00 | 1/19/2010 11:28:07 AM |
| unk1911 | $25.00 | $25.00 | 1/19/2010 11:27:03 AM |
| majestic-dedication | $50.00 | $50.00 | 1/19/2010 11:27:41 AM |
| personal-lender | $25.00 | $25.00 | 1/19/2010 11:28:44 AM |
| gold-commander0 | $50.00 | $50.00 | 1/19/2010 11:29:03 AM |
| dollardave | $25.00 | $25.00 | 1/19/2010 1:46:43 PM |
| stuart791 | $25.00 | $25.00 | 1/19/2010 4:33:53 PM |
| 24 bids
|
Borrower Payment Dependent Notes Series
441538
This series of Notes was issued and sold upon the funding of the borrower loan #40537, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Jan-07-2010 |
| |
Auction end date:
| Jan-14-2010 |
|
|
Starting lender yield:
| 6.50% |
Starting borrower rate/APR:
| 7.50% / 7.84% |
Starting monthly payment:
| $217.74 |
|
Final lender yield:
| 6.45% |
Final borrower rate/APR:
| 7.45% / 7.79% |
Final monthly payment:
| $217.58 |
| |
|
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:
| Nov-1991 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 860-879 (Jan-2010) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $796 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 1% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| dparran |
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
Paying off credit cards
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kenji4861 | $25.00 | $25.00 | 1/7/2010 4:12:28 PM |
| first-pragmatic-note | $25.00 | $25.00 | 1/7/2010 4:09:22 PM |
| neenerman | $75.00 | $75.00 | 1/7/2010 4:20:02 PM |
| aasx1108 | $25.00 | $25.00 | 1/7/2010 4:32:01 PM |
| honorable-yield | $75.00 | $75.00 | 1/7/2010 4:33:57 PM |
| 18th_beachbum | $25.00 | $25.00 | 1/7/2010 4:34:12 PM |
| kulender | $30.00 | $30.00 | 1/7/2010 4:35:16 PM |
| Gibbyland | $100.00 | $100.00 | 1/7/2010 4:35:24 PM |
| responsibility-butterfly | $25.00 | $25.00 | 1/7/2010 4:35:32 PM |
| bchen78875 | $50.00 | $50.00 | 1/7/2010 4:35:56 PM |
| gulch | $35.00 | $35.00 | 1/7/2010 4:36:11 PM |
| outtahoth2o | $100.00 | $100.00 | 1/7/2010 4:37:33 PM |
| DukSerduk | $25.00 | $25.00 | 1/7/2010 4:38:26 PM |
| alpinaut | $25.00 | $25.00 | 1/7/2010 4:38:29 PM |
| OCedHrt | $25.00 | $25.00 | 1/7/2010 4:38:36 PM |
| Pasagam | $25.00 | $25.00 | 1/7/2010 4:39:09 PM |
| SNH | $50.00 | $50.00 | 1/7/2010 4:39:51 PM |
| bigdogsafety1 | $25.00 | $25.00 | 1/7/2010 4:40:04 PM |
| grampy48 | $25.00 | $25.00 | 1/7/2010 4:40:14 PM |
| friendly-market5 | $25.00 | $25.00 | 1/7/2010 4:33:07 PM |
| repayment-launcher | $25.00 | $25.00 | 1/7/2010 4:40:20 PM |
| burgeoning-silver | $25.00 | $25.00 | 1/7/2010 4:40:23 PM |
| unk1911 | $25.00 | $25.00 | 1/7/2010 4:33:13 PM |
| fortytwo | $200.00 | $200.00 | 1/7/2010 4:32:20 PM |
| greenwell | $37.91 | $37.91 | 1/7/2010 4:41:24 PM |
| meenan | $40.00 | $40.00 | 1/7/2010 4:33:33 PM |
| green-benefit-enclave | $25.00 | $25.00 | 1/7/2010 4:42:16 PM |
| microlendblvr | $100.00 | $100.00 | 1/7/2010 4:33:38 PM |
| majestic-dedication | $50.00 | $50.00 | 1/7/2010 4:33:47 PM |
| credit-force5 | $25.00 | $25.00 | 1/7/2010 4:35:04 PM |
| archeanchaos | $25.00 | $25.00 | 1/7/2010 4:43:16 PM |
| elevated-platinum5 | $25.00 | $25.00 | 1/7/2010 4:34:16 PM |
| lloyd_s | $25.00 | $25.00 | 1/7/2010 4:34:25 PM |
| figs4u2 | $80.00 | $80.00 | 1/7/2010 4:35:42 PM |
| Katburg | $50.00 | $50.00 | 1/7/2010 4:36:03 PM |
| personal-lender | $25.00 | $25.00 | 1/7/2010 4:34:35 PM |
| first-upright-payout | $50.00 | $50.00 | 1/7/2010 4:34:38 PM |
| the_winning_ticket | $35.00 | $35.00 | 1/7/2010 4:36:23 PM |
| Attract | $25.00 | $25.00 | 1/7/2010 4:36:28 PM |
| bondhedger | $25.00 | $25.00 | 1/7/2010 4:49:55 PM |
| forthright-social | $25.00 | $25.00 | 1/7/2010 4:36:50 PM |
| USMC0311 | $25.00 | $25.00 | 1/7/2010 4:53:17 PM |
| roymckenzie | $25.00 | $25.00 | 1/7/2010 4:53:45 PM |
| wiselady | $25.00 | $25.00 | 1/7/2010 4:37:42 PM |
| leodaguy | $25.00 | $25.00 | 1/7/2010 4:36:16 PM |
| meux99 | $25.00 | $25.00 | 1/7/2010 4:38:02 PM |
| Kaj | $30.00 | $30.00 | 1/7/2010 4:36:46 PM |
| shamrocker | $25.00 | $25.00 | 1/7/2010 4:36:59 PM |
| lending-bear | $69.54 | $69.54 | 1/7/2010 4:38:52 PM |
| skvat | $25.00 | $25.00 | 1/7/2010 4:37:25 PM |
| intuitive-bill | $25.00 | $25.00 | 1/7/2010 4:39:24 PM |
| rooosta | $25.00 | $25.00 | 1/7/2010 4:37:45 PM |
| platinum-czar | $50.00 | $50.00 | 1/7/2010 4:39:30 PM |
| discrete-asset | $25.00 | $25.00 | 1/7/2010 4:37:58 PM |
| Cai8899 | $75.00 | $75.00 | 1/7/2010 4:38:06 PM |
| Cheburashka | $30.00 | $30.00 | 1/7/2010 4:38:16 PM |
| Speculator | $50.00 | $50.00 | 1/7/2010 4:38:46 PM |
| loan-warrior | $25.00 | $25.00 | 1/7/2010 4:40:26 PM |
| jameskdean | $25.00 | $25.00 | 1/7/2010 4:39:13 PM |
| BankofBen | $250.00 | $250.00 | 1/7/2010 4:40:56 PM |
| supreme-hope | $25.00 | $25.00 | 1/7/2010 4:39:15 PM |
| ljay | $25.00 | $25.00 | 1/7/2010 4:41:14 PM |
| credit-superstar3 | $25.00 | $25.00 | 1/7/2010 4:39:26 PM |
| alluring-truth | $25.00 | $25.00 | 1/7/2010 4:41:46 PM |
| cub510 | $25.00 | $25.00 | 1/7/2010 4:42:07 PM |
| gourd6 | $25.00 | $25.00 | 1/7/2010 4:40:30 PM |
| rulender | $50.00 | $50.00 | 1/7/2010 4:40:35 PM |
| value-pouch | $50.00 | $50.00 | 1/7/2010 4:43:13 PM |
| rjsdsu | $25.00 | $25.00 | 1/7/2010 4:43:26 PM |
| djh47a | $35.00 | $35.00 | 1/7/2010 4:42:52 PM |
| Mint_Man | $25.00 | $25.00 | 1/7/2010 4:43:06 PM |
| outofoffice | $50.00 | $50.00 | 1/8/2010 2:22:36 PM |
| worth-victor6 | $25.00 | $25.00 | 1/9/2010 6:48:27 AM |
| springpanda | $25.00 | $25.00 | 1/8/2010 11:08:13 PM |
| availableloan | $25.00 | $25.00 | 1/9/2010 7:33:02 PM |
| IceFisherman | $67.39 | $67.39 | 1/10/2010 11:51:02 AM |
| spruce2 | $50.00 | $50.00 | 1/11/2010 3:36:09 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 1/11/2010 9:01:40 PM |
| kgeezy | $150.70 | $150.70 | 1/12/2010 8:10:55 PM |
| jybank | $50.00 | $50.00 | 1/13/2010 12:02:37 PM |
| FundMaker | $25.00 | $25.00 | 1/13/2010 12:33:20 PM |
| wise-balanced-moola | $25.00 | $25.00 | 1/13/2010 5:41:17 PM |
| MortgageeMarty | $25.00 | $25.00 | 1/14/2010 9:59:42 AM |
| dontscrewmeover1 | $50.00 | $50.00 | 1/14/2010 11:47:15 AM |
| interstellar | $35.46 | $35.46 | 1/14/2010 1:41:48 PM |
| BrighterSuns | $25.00 | $25.00 | 1/14/2010 3:31:45 PM |
| gary500 | $25.00 | $25.00 | 1/14/2010 2:42:23 PM |
| TJRCapital | $25.00 | $25.00 | 1/14/2010 3:47:14 PM |
| selector568 | $400.00 | $400.00 | 1/7/2010 4:20:20 PM |
| inventive-wealth2 | $25.00 | $25.00 | 1/7/2010 4:20:32 PM |
| lean-velocity | $25.00 | $25.00 | 1/7/2010 4:20:15 PM |
| rjblack | $50.00 | $50.00 | 1/7/2010 4:32:10 PM |
| elasermd | $100.00 | $100.00 | 1/7/2010 4:22:27 PM |
| thedoctor | $90.00 | $90.00 | 1/7/2010 4:33:29 PM |
| skillful-diversification2 | $25.00 | $25.00 | 1/7/2010 4:34:07 PM |
| Havana21 | $200.00 | $200.00 | 1/7/2010 4:34:42 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 1/7/2010 4:35:13 PM |
| mikeandcat | $100.00 | $100.00 | 1/7/2010 4:36:38 PM |
| natmonkey | $25.00 | $25.00 | 1/7/2010 4:37:02 PM |
| buukyak | $25.00 | $25.00 | 1/7/2010 4:37:10 PM |
| wampum-optimization | $50.00 | $50.00 | 1/7/2010 4:37:21 PM |
| Goodlender42 | $25.00 | $25.00 | 1/7/2010 4:37:29 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/7/2010 4:38:20 PM |
| Phantom99 | $25.00 | $25.00 | 1/7/2010 4:38:55 PM |
| Mavrck88 | $25.00 | $25.00 | 1/7/2010 4:39:19 PM |
| motivator796 | $25.00 | $25.00 | 1/7/2010 4:39:34 PM |
| time4aloan | $25.00 | $25.00 | 1/7/2010 4:33:01 PM |
| desertoasis | $25.00 | $25.00 | 1/7/2010 4:40:47 PM |
| larrybird | $100.00 | $100.00 | 1/7/2010 4:33:45 PM |
| Carpetkid | $31.00 | $31.00 | 1/7/2010 4:34:00 PM |
| jbaum | $100.00 | $100.00 | 1/7/2010 4:34:02 PM |
| rosie777 | $25.00 | $25.00 | 1/7/2010 4:41:35 PM |
| DonaldColorado | $25.00 | $25.00 | 1/7/2010 4:34:50 PM |
| gold-commander0 | $50.00 | $50.00 | 1/7/2010 4:34:55 PM |
| spruce2 | $50.00 | $50.00 | 1/7/2010 4:42:44 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 1/7/2010 4:35:01 PM |
| AmericanCredit | $25.00 | $25.00 | 1/7/2010 4:33:54 PM |
| FjLenders | $25.00 | $25.00 | 1/7/2010 4:43:30 PM |
| auction-elvis | $25.00 | $25.00 | 1/7/2010 4:35:36 PM |
| gojackgo | $25.00 | $25.00 | 1/7/2010 4:43:56 PM |
| dealarella | $25.00 | $25.00 | 1/7/2010 4:44:09 PM |
| junctionking | $25.00 | $25.00 | 1/7/2010 4:34:58 PM |
| BankOfFrankFairness | $50.00 | $50.00 | 1/7/2010 4:36:43 PM |
| AF-Chief | $35.00 | $35.00 | 1/7/2010 4:36:53 PM |
| toblerone | $50.00 | $50.00 | 1/7/2010 4:37:16 PM |
| inspired-contract9 | $50.00 | $50.00 | 1/7/2010 4:35:59 PM |
| teller | $60.00 | $60.00 | 1/7/2010 4:37:52 PM |
| Walkingcowboy | $25.00 | $25.00 | 1/7/2010 4:36:32 PM |
| buckyhead2000 | $25.00 | $25.00 | 1/7/2010 4:38:12 PM |
| elegant-income3 | $25.00 | $25.00 | 1/7/2010 4:38:32 PM |
| market-builder | $25.00 | $25.00 | 1/7/2010 4:38:34 PM |
| delicious-social132 | $25.00 | $25.00 | 1/7/2010 4:38:41 PM |
| ven | $25.00 | $25.00 | 1/7/2010 4:37:36 PM |
| schpere | $30.00 | $30.00 | 1/7/2010 4:38:00 PM |
| bowdish1 | $100.00 | $100.00 | 1/7/2010 4:38:57 PM |
| forthright-dedication | $25.00 | $25.00 | 1/7/2010 4:41:02 PM |
| jjb3 | $25.00 | $25.00 | 1/7/2010 4:39:23 PM |
| oreyedoc | $25.00 | $25.00 | 1/7/2010 4:39:37 PM |
| roccofox | $50.00 | $50.00 | 1/7/2010 4:39:54 PM |
| InvestorPartners | $25.00 | $25.00 | 1/7/2010 4:40:07 PM |
| antlr | $25.00 | $25.00 | 1/7/2010 4:42:11 PM |
| Fearless_Lender | $25.00 | $25.00 | 1/7/2010 4:42:25 PM |
| appastk | $25.00 | $25.00 | 1/7/2010 4:40:16 PM |
| hope-encourager | $25.00 | $25.00 | 1/7/2010 4:42:33 PM |
| me2yu | $50.00 | $50.00 | 1/7/2010 4:42:57 PM |
| faithey | $25.00 | $25.00 | 1/7/2010 4:43:00 PM |
| superstar449 | $25.00 | $25.00 | 1/7/2010 4:41:12 PM |
| bsmtloan | $50.00 | $50.00 | 1/7/2010 4:44:01 PM |
| jjswanso | $25.00 | $25.00 | 1/7/2010 4:41:44 PM |
| mmqc | $25.00 | $25.00 | 1/7/2010 4:41:50 PM |
| get30inc | $50.00 | $50.00 | 1/7/2010 4:41:53 PM |
| blooming-market | $25.00 | $25.00 | 1/7/2010 4:42:01 PM |
| Picopie | $26.00 | $18.00 | 1/7/2010 4:57:22 PM |
| EmeritusX | $25.00 | $25.00 | 1/8/2010 4:21:28 AM |
| vine99 | $80.00 | $80.00 | 1/9/2010 8:58:01 AM |
| dime-neutron | $25.00 | $25.00 | 1/11/2010 7:16:19 AM |
| octoberfresh | $25.00 | $25.00 | 1/11/2010 12:37:29 PM |
| orange-finance-banker | $50.00 | $50.00 | 1/11/2010 8:32:34 PM |
| wwwUniversal | $25.00 | $25.00 | 1/12/2010 5:30:38 PM |
| bkb7484 | $25.00 | $25.00 | 1/13/2010 9:37:08 PM |
| thebadpelican | $25.00 | $25.00 | 1/14/2010 8:35:22 AM |
| BenOrt | $25.00 | $25.00 | 1/14/2010 9:47:26 AM |
| jmainc | $25.00 | $25.00 | 1/14/2010 6:24:01 AM |
| hellasow | $30.00 | $30.00 | 1/14/2010 2:05:55 PM |
| nickel-master | $25.00 | $25.00 | 1/14/2010 2:10:56 PM |
| worth-quark | $25.00 | $25.00 | 1/14/2010 3:40:36 PM |
| 166 bids
|
Borrower Payment Dependent Notes Series
441696
This series of Notes was issued and sold upon the funding of the borrower loan #40550, 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-08-2010 |
| |
Auction end date:
| Jan-15-2010 |
|
|
Starting lender yield:
| 9.99% |
Starting borrower rate/APR:
| 10.99% / 14.57% |
Starting monthly payment:
| $32.73 |
|
Final lender yield:
| 7.94% |
Final borrower rate/APR:
| 8.94% / 12.48% |
Final monthly payment:
| $31.77 |
| |
|
Auction yield range:
| 4.06% - 9.99% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.82% | | |
<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:
| Nov-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Jan-2010) |
Current / open credit lines:
| 16
/
16 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $41,095 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 62% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| capital-breeze1 |
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
outwit the credit card companies
Purpose of loan:
This loan will be used to pay down?credit card balances which recently have been?changed to excessive interest rates for no good reason.?
My financial situation:
I am a good candidate for this loan because I have always paid my bills in full and on time, yet this time I am aspiring to beat the credit card companies at their own game: pay down the balances as fast as possible, therefore paying down more every month and paying them off sooner.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| klemer | $25.00 | $25.00 | 1/9/2010 9:51:59 AM |
| Mav26 | $138.07 | $138.07 | 1/13/2010 11:51:18 AM |
| JerryB96 | $25.00 | $25.00 | 1/14/2010 5:55:45 PM |
| scref | $30.00 | $30.00 | 1/15/2010 6:00:21 AM |
| amlu1988 | $25.00 | $25.00 | 1/15/2010 8:35:47 AM |
| glenium | $25.00 | $25.00 | 1/15/2010 4:11:17 AM |
| gjm6d | $29.30 | $29.30 | 1/15/2010 5:37:49 AM |
| rome1426 | $25.00 | $25.00 | 1/15/2010 5:32:19 AM |
| bank-examiner | $25.00 | $25.00 | 1/15/2010 10:19:30 AM |
| Astyanax | $25.00 | $25.00 | 1/15/2010 11:34:00 AM |
| plbquic | $25.00 | $25.00 | 1/15/2010 11:22:38 AM |
| crmoir | $35.01 | $35.01 | 1/15/2010 11:28:44 AM |
| market-atlantis | $25.00 | $25.00 | 1/15/2010 12:02:33 PM |
| dreamhope | $25.00 | $25.00 | 1/15/2010 12:45:06 PM |
| gilbrear | $25.00 | $25.00 | 1/15/2010 3:50:38 PM |
| bonus-quark4 | $50.00 | $50.00 | 1/15/2010 3:00:13 PM |
| cwegert | $100.00 | $100.00 | 1/15/2010 4:23:34 PM |
| kf88 | $28.00 | $28.00 | 1/14/2010 4:45:41 PM |
| JaceSpade | $25.00 | $25.00 | 1/14/2010 9:39:44 PM |
| NYCLAIMSGUY | $25.00 | $25.00 | 1/15/2010 6:16:29 AM |
| jybank | $25.00 | $25.00 | 1/15/2010 10:37:23 AM |
| compuguy8 | $25.00 | $25.00 | 1/15/2010 10:52:27 AM |
| wild-orange | $25.00 | $25.00 | 1/15/2010 11:08:19 AM |
| n036939 | $25.00 | $25.00 | 1/15/2010 12:35:23 PM |
| TigerForce | $25.00 | $25.00 | 1/15/2010 1:07:13 PM |
| kanyonkat | $25.00 | $25.00 | 1/15/2010 1:20:48 PM |
| sorace | $50.00 | $50.00 | 1/15/2010 1:39:19 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:21:47 PM |
| kinetic-social | $25.00 | $14.62 | 1/15/2010 2:38:03 PM |
| thebadpelican | $25.00 | $25.00 | 1/15/2010 3:03:33 PM |
| 30 bids
|
Borrower Payment Dependent Notes Series
441704
This series of Notes was issued and sold upon the funding of the borrower loan #40540, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Jan-08-2010 |
| |
Auction end date:
| Jan-15-2010 |
|
|
Starting lender yield:
| 5.98% |
Starting borrower rate/APR:
| 6.98% / 7.32% |
Starting monthly payment:
| $61.74 |
|
Final lender yield:
| 5.10% |
Final borrower rate/APR:
| 6.10% / 6.44% |
Final monthly payment:
| $60.93 |
| |
|
Auction yield range:
| 3.06% - 5.98% |
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-1996 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 720-739 (Jan-2010) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,192 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 48% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| top-prudent-treasure |
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
Helping out parents bills
Purpose of loan:
This loan will be used to? help out my parents bills.
My financial situation:
I am a good candidate for this loan because? I have never missed a payment, always payed bills with more than minimum payment, and have a good credit rating.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| aasx1108 | $25.00 | $25.00 | 1/8/2010 4:40:04 PM |
| elevated-platinum5 | $25.00 | $25.00 | 1/8/2010 4:41:21 PM |
| friendly-market5 | $25.00 | $25.00 | 1/8/2010 4:40:31 PM |
| skillful-diversification2 | $25.00 | $25.00 | 1/8/2010 4:41:10 PM |
| meenan | $40.00 | $40.00 | 1/8/2010 4:40:44 PM |
| majestic-dedication | $50.00 | $50.00 | 1/8/2010 4:40:59 PM |
| personal-lender | $25.00 | $25.00 | 1/8/2010 4:41:34 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 1/8/2010 4:41:47 PM |
| gary500 | $25.00 | $25.00 | 1/11/2010 3:39:56 PM |
| nobsbooks | $25.00 | $25.00 | 1/11/2010 7:50:37 PM |
| wwwUniversal | $25.00 | $25.00 | 1/13/2010 5:30:30 PM |
| bankar | $25.00 | $25.00 | 1/14/2010 10:08:53 AM |
| hellasow | $25.00 | $25.00 | 1/14/2010 2:07:05 PM |
| YummiBear | $25.00 | $25.00 | 1/14/2010 5:40:59 PM |
| JerryB96 | $25.00 | $25.00 | 1/14/2010 5:56:34 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:09:50 PM |
| rjblack | $50.00 | $50.00 | 1/8/2010 4:40:10 PM |
| thedoctor | $90.00 | $90.00 | 1/8/2010 4:40:44 PM |
| microlendblvr | $100.00 | $100.00 | 1/8/2010 4:40:48 PM |
| larrybird | $100.00 | $100.00 | 1/8/2010 4:40:59 PM |
| honorable-yield | $75.00 | $75.00 | 1/8/2010 4:41:06 PM |
| lloyd_s | $25.00 | $25.00 | 1/8/2010 4:41:23 PM |
| fortytwo | $200.00 | $200.00 | 1/8/2010 4:40:15 PM |
| kulender | $30.00 | $30.00 | 1/8/2010 4:42:00 PM |
| elasermd | $50.00 | $50.00 | 1/8/2010 4:40:22 PM |
| time4aloan | $25.00 | $25.00 | 1/8/2010 4:40:27 PM |
| unk1911 | $25.00 | $25.00 | 1/8/2010 4:40:33 PM |
| jbaum | $100.00 | $100.00 | 1/8/2010 4:41:07 PM |
| 18th_beachbum | $50.00 | $50.00 | 1/8/2010 4:41:16 PM |
| gold-commander0 | $50.00 | $50.00 | 1/8/2010 4:41:42 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 1/8/2010 4:41:57 PM |
| first-upright-payout | $50.00 | $50.00 | 1/8/2010 4:41:35 PM |
| Havana21 | $200.00 | $200.00 | 1/8/2010 4:41:38 PM |
| junctionking | $25.00 | $25.00 | 1/8/2010 4:41:45 PM |
| credit-force5 | $25.00 | $25.00 | 1/8/2010 4:41:49 PM |
| Gibbyland | $100.00 | $40.00 | 1/8/2010 4:42:07 PM |
| springpanda | $25.00 | $25.00 | 1/8/2010 11:21:25 PM |
| Oak-Parker | $25.00 | $25.00 | 1/9/2010 9:44:45 PM |
| wise-balanced-moola | $25.00 | $25.00 | 1/13/2010 5:43:10 PM |
| sirguyon | $100.00 | $100.00 | 1/15/2010 12:13:13 PM |
| wild-orange | $25.00 | $25.00 | 1/15/2010 3:07:56 PM |
| worth-quark | $25.00 | $25.00 | 1/15/2010 4:20:55 PM |
| 42 bids
|
Borrower Payment Dependent Notes Series
441718
This series of Notes was issued and sold upon the funding of the borrower loan #40563, 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:
| 34.5% |
Auction start date:
| Jan-11-2010 |
| |
Auction end date:
| Jan-16-2010 |
|
|
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:
| 17.06% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
<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:
| 1 |
First credit line:
| Mar-1982 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 600-619 (Jan-2010) |
Current / open credit lines:
| 19
/
18 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 61 | Length of status: | 13y 0m |
|
Amount delinquent:
| $278 |
Revolving credit balance:
| $14,818 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 65% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 5 | | | | |
|
Screen name:
| dano1289 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 47 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $8,050.00 | < mo. late:
| 0
( 0% )
| 620-639
(Jun-2008)
600-619
(Mar-2008)
660-679
(Jul-2007)
|
|
Principal balance:
| $1,110.37 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 47 | | |
Description
Pay Off Some Debt
Purpose of loan:?Need Cash to Get Caught Up on Bills
Financial situation:?I am a retired police officer, still currently employed in the law enforcement field.? I am?paying for my?two daughter's?college.??My credit score is?low?because I have too much credit, not because I do not pay my bills.??I have not been late on any mortgage, car or other payments in the last?three years.? I just joined a debt management plan to pay off credit cards.? I will?use?this money to pay off?some smaller loans.? I would like potential lenders to know that I have always believed in paying my debts and intend to continue to do so.? You help?is greatly appreciated.?
Monthly net income: $7,800.00
Monthly expenses: $
??Housing: $2860
??Insurance: $315?
??Car loans: $598
??Utilities: $300
??Phone, cable, internet: $187?
??Food, entertainment: $600?
??Clothing, household expenses $100?
??Credit cards and other loans: $753?
??Other expenses: $150
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. Would you please explain the current delinquency of $278? Thank you - CA_Lender
A:
Dear CA Lender,
The $278 was just an oversite during the holidays. It has been paid. I may have been late to pay a bill on occasion but have always paid my bills. In fact I was never late or missed a payment on Prosper and in fact paid off my first loan early. You can be assured if you choose to bid on my loan I will pay my loan.
(Jan-14-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| suomynona | $25.00 | $25.00 | 1/11/2010 4:26:36 PM |
| unk1911 | $25.00 | $25.00 | 1/11/2010 4:40:47 PM |
| chameleon125 | $50.00 | $50.00 | 1/14/2010 8:08:50 AM |
| ultimate-peace | $100.00 | $100.00 | 1/14/2010 3:47:28 PM |
| reflective-rupee | $100.00 | $100.00 | 1/14/2010 7:14:37 PM |
| CA_Lender | $25.00 | $25.00 | 1/14/2010 9:18:02 PM |
| brondero | $50.00 | $50.00 | 1/15/2010 11:24:47 AM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:11:19 PM |
| Tono | $40.00 | $40.00 | 1/15/2010 4:46:19 PM |
| best-generosity-financier | $25.00 | $25.00 | 1/15/2010 4:20:35 PM |
| reflective-rupee | $100.00 | $100.00 | 1/15/2010 4:58:42 PM |
| periko | $50.00 | $50.00 | 1/15/2010 8:26:33 PM |
| Capit0l | $25.00 | $25.00 | 1/15/2010 5:26:57 PM |
| Aberdeen | $300.00 | $300.00 | 1/16/2010 10:15:46 AM |
| buffalobills | $25.00 | $25.00 | 1/16/2010 8:26:57 AM |
| Aberdeen | $300.00 | $300.00 | 1/16/2010 10:15:48 AM |
| reflective-rupee | $100.00 | $100.00 | 1/16/2010 4:07:51 PM |
| well-mannered-income3 | $30.00 | $30.00 | 1/16/2010 10:43:17 AM |
| red-favorable-basis | $25.00 | $25.00 | 1/16/2010 12:04:34 PM |
| reflective-rupee | $100.00 | $100.00 | 1/16/2010 4:08:05 PM |
| ima007 | $25.67 | $25.67 | 1/16/2010 5:27:04 PM |
| Kash2010lu | $25.00 | $25.00 | 1/16/2010 5:57:01 PM |
| GeoLender | $25.00 | $25.00 | 1/16/2010 3:49:48 PM |
| reflective-rupee | $50.00 | $50.00 | 1/16/2010 7:14:46 PM |
| DasMula | $150.00 | $150.00 | 1/16/2010 6:20:34 PM |
| DenimCapital | $50.00 | $50.00 | 1/13/2010 12:33:59 PM |
| DenimCapital | $100.00 | $100.00 | 1/13/2010 6:41:31 PM |
| EEasyMoney | $50.00 | $50.00 | 1/14/2010 8:10:01 AM |
| myutmost | $42.04 | $42.04 | 1/14/2010 5:14:07 PM |
| Skeptical-one | $100.00 | $100.00 | 1/15/2010 8:09:56 AM |
| quickstep | $50.00 | $50.00 | 1/15/2010 3:33:39 AM |
| victor111 | $25.00 | $25.00 | 1/15/2010 1:08:37 PM |
| DenimCapital | $100.00 | $100.00 | 1/15/2010 4:13:04 PM |
| brother_tam | $100.00 | $100.00 | 1/15/2010 5:27:35 PM |
| exchange-cowbell5 | $200.00 | $200.00 | 1/15/2010 6:14:32 PM |
| reflective-rupee | $100.00 | $100.00 | 1/15/2010 4:59:00 PM |
| SolarMoonshine | $100.00 | $100.00 | 1/15/2010 5:14:02 PM |
| MoneyForNothing | $25.00 | $25.00 | 1/15/2010 6:54:02 PM |
| capital-galaxy | $200.00 | $200.00 | 1/15/2010 8:13:03 PM |
| RecoveryLender | $25.00 | $25.00 | 1/16/2010 9:28:26 AM |
| Aberdeen | $300.00 | $300.00 | 1/16/2010 10:15:53 AM |
| innovator2 | $50.00 | $50.00 | 1/16/2010 9:44:34 AM |
| DenimCapital | $100.00 | $100.00 | 1/16/2010 10:08:12 AM |
| piter-to-la-investment | $25.00 | $25.00 | 1/16/2010 2:15:37 PM |
| DasMula | $250.00 | $250.00 | 1/16/2010 5:16:21 PM |
| aztocas | $25.00 | $25.00 | 1/16/2010 2:49:38 PM |
| zone6 | $180.80 | $137.29 | 1/16/2010 5:54:16 PM |
| reflective-rupee | $50.00 | $50.00 | 1/16/2010 7:14:23 PM |
| 48 bids
|
Borrower Payment Dependent Notes Series
441814
This series of Notes was issued and sold upon the funding of the borrower loan #40590, 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-11-2010 |
| |
Auction end date:
| Jan-18-2010 |
|
|
Starting lender yield:
| 20.08% |
Starting borrower rate/APR:
| 21.08% / 23.33% |
Starting monthly payment:
| $94.29 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $94.19 |
| |
|
Auction yield range:
| 8.06% - 20.08% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
<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-1975 |
Debt/Income ratio:
| 69% |
|
Credit score:
| 680-699 (Jan-2010) |
Current / open credit lines:
| 8
/
8 | Employment status: | Retired |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 11y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $15,234 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 10 |
Bankcard utilization:
| 63% | |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| Highcourt1 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Dec-2009)
680-699
(Jul-2007)
|
|
Principal balance:
| $1,895.44 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
College tuition for my boy
Purpose of loan:
This loan will be used to?Advance the college tuition costs for the youngest of my five boys. Although my service in Vietnam entitles me to some financial educational aid for my dependents, I wish to independantly get him through this semester on my income and not rely on the family business.
My financial situation: Great. My monthly income is tax free and my day-to-living expenses (including rent) is paid through my wife's family business.
I am a good candidate for this loan because? I always pay my financial obligations and can easily afford to service this relatively small debt. My current Prosper loan will be paid off in July. Although I do not have family and friends affiliated with Prosper ( just have not asked) I really want to do this on my own as I have done before. Please note that I have increased the interest rat I am willing to pay to perhaps encourage more bids. My credit score dropped in the last 30 days only because of 2 or three inquirys and not because of any default or late payments on ANY of my obligations.
Monthly net income: $ 2,829 tax-free
Monthly expenses: $ 684.98
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $684.98
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Bob450 | $25.00 | $25.00 | 1/11/2010 9:31:13 PM |
| vine99 | $65.00 | $65.00 | 1/14/2010 8:01:30 PM |
| CA_Lender | $25.00 | $25.00 | 1/15/2010 12:59:36 PM |
| Approved | $25.00 | $25.00 | 1/15/2010 1:15:31 PM |
| helpful-payout | $25.00 | $25.00 | 1/15/2010 1:48:20 PM |
| Stingray8a | $25.00 | $25.00 | 1/15/2010 11:34:36 PM |
| Flshedman | $50.00 | $50.00 | 1/16/2010 6:25:09 AM |
| elmo667 | $25.00 | $25.00 | 1/16/2010 11:54:19 AM |
| red-favorable-basis | $25.00 | $25.00 | 1/16/2010 12:07:54 PM |
| msullivaniii | $25.00 | $25.00 | 1/16/2010 6:56:30 PM |
| tornandfrayed | $25.00 | $25.00 | 1/16/2010 5:20:31 PM |
| Chrishu | $25.00 | $25.00 | 1/16/2010 8:54:28 PM |
| mckhbnpc | $40.00 | $40.00 | 1/17/2010 10:28:11 AM |
| five-star-note | $200.00 | $200.00 | 1/17/2010 11:02:37 AM |
| sildoc | $53.68 | $53.68 | 1/17/2010 3:36:16 PM |
| SNH | $50.00 | $50.00 | 1/17/2010 9:22:17 AM |
| Satur | $50.00 | $50.00 | 1/17/2010 2:55:28 PM |
| steady-dime | $114.44 | $114.44 | 1/18/2010 6:21:10 AM |
| bevans | $25.00 | $25.00 | 1/17/2010 11:03:36 PM |
| dudebrah | $26.00 | $26.00 | 1/18/2010 10:33:29 AM |
| Pu239 | $60.00 | $60.00 | 1/18/2010 10:39:41 AM |
| Kash2010lu | $25.00 | $25.00 | 1/18/2010 10:24:13 AM |
| wild-orange | $25.00 | $25.00 | 1/18/2010 1:14:18 PM |
| artist390 | $100.00 | $100.00 | 1/18/2010 1:35:13 PM |
| RecoveryLender | $25.00 | $25.00 | 1/18/2010 1:38:38 PM |
| asset-control2 | $50.00 | $50.00 | 1/18/2010 3:36:40 PM |
| JustMee | $25.00 | $25.00 | 1/12/2010 5:39:37 PM |
| loyalist1 | $50.00 | $50.00 | 1/15/2010 1:27:50 PM |
| skillful-asset5 | $100.00 | $100.00 | 1/16/2010 6:29:58 AM |
| wonderous-power | $25.00 | $25.00 | 1/16/2010 4:27:22 AM |
| VMoney1 | $30.00 | $30.00 | 1/16/2010 11:34:01 AM |
| circustab | $50.00 | $50.00 | 1/16/2010 9:15:11 PM |
| ccclaireee333 | $25.00 | $25.00 | 1/16/2010 9:35:31 PM |
| yoshibo | $200.00 | $18.28 | 1/16/2010 10:40:05 PM |
| Jordan1123 | $25.00 | $25.00 | 1/17/2010 6:25:57 AM |
| Ray3486 | $25.00 | $25.00 | 1/17/2010 12:32:08 PM |
| JTHarris | $25.00 | $25.00 | 1/17/2010 10:07:08 AM |
| Aberdeen | $300.00 | $300.00 | 1/17/2010 10:42:25 AM |
| investment-forte | $42.60 | $42.60 | 1/17/2010 8:12:40 PM |
| Leshan | $50.00 | $50.00 | 1/18/2010 8:21:58 AM |
| jybank | $25.00 | $25.00 | 1/18/2010 12:20:19 PM |
| deepblue34 | $25.00 | $25.00 | 1/18/2010 3:06:27 PM |
| ultimate-peace | $300.00 | $300.00 | 1/18/2010 1:21:01 PM |
| asset-control2 | $75.00 | $75.00 | 1/18/2010 3:36:30 PM |
| The-CAPS-fan | $75.00 | $75.00 | 1/18/2010 3:40:33 PM |
| 45 bids
|
Borrower Payment Dependent Notes Series
441874
This series of Notes was issued and sold upon the funding of the borrower loan #40576, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,234.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Jan-11-2010 |
| |
Auction end date:
| Jan-18-2010 |
|
|
Starting lender yield:
| 5.15% |
Starting borrower rate/APR:
| 6.15% / 6.49% |
Starting monthly payment:
| $37.62 |
|
Final lender yield:
| 4.85% |
Final borrower rate/APR:
| 5.85% / 6.19% |
Final monthly payment:
| $37.46 |
| |
|
Auction yield range:
| 3.06% - 5.15% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.26% | | |
<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-1999 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 800-819 (Dec-2009) |
Current / open credit lines:
| 12
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,011 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 1% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Nasdaq |
Borrower's state:
| Illinois |
Borrower's group:
| LendersClub |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Lender trying prosper (AA c.rate)
Purpose of loan:
To experience prosper as borrower and also
to see how much impact this loan will have to my credit score.? I don't
need the money so I'll reinvest it back into prosper.
My financial situation:
This
loan doesn't represent much of a risk for you and it will return you
more than any CD out there in the market.? As you could see, I don't
have much debts other than my house (1300). I can cover this amount anytime
with my bank savings and off course I'll be using the automatic
payment feature.
I'm planning to pay this loan in less than 10 months.
Best wishes for the new year !!
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of
$25.00 in winning bids.
""AA" Credit with more invested than he is asking for!"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| dproxima | $25.00 | $25.00 | 1/11/2010 4:10:07 PM |
| JGuide | $25.00 | $25.00 | 1/11/2010 5:00:59 PM |
| SwiDaddy | $25.00 | $25.00 | 1/12/2010 8:02:10 PM |
| Dan4703 | $25.00 | $25.00 | 1/13/2010 5:58:14 AM |
| bankar | $25.00 | $25.00 | 1/14/2010 10:10:24 AM |
| EmeritusX | $25.00 | $25.00 | 1/14/2010 1:49:42 PM |
| payontime1 | $50.00 | $50.00 | 1/15/2010 3:28:36 PM |
| JerryB96 | $25.00 | $25.00 | 1/16/2010 8:27:36 AM |
| marwadi-62 | $300.00 | $300.00 | 1/16/2010 9:54:02 AM |
| HappyToLoan | $25.00 | $25.00 | 1/16/2010 7:15:07 PM |
| scref | $25.00 | $25.00 | 1/16/2010 10:16:38 PM |
| HealthAndSafety | $100.00 | $100.00 | 1/18/2010 8:57:56 AM |
| orange-finance-banker | $50.00 | $50.00 | 1/18/2010 12:07:31 PM |
| loanshark62 | $35.00 | $35.00 | 1/18/2010 3:45:00 PM |
| exchange-squirrel | $25.00 | $19.00 | 1/18/2010 3:46:21 PM |
| olin5 | $25.00 | $25.00 | 1/18/2010 3:49:37 PM |
| hellasow | $25.00 | $25.00 | 1/12/2010 12:20:27 AM |
| bentonlending | $50.00 | $50.00 | 1/12/2010 6:14:09 AM |
| amit_gu | $100.00 | $100.00 | 1/12/2010 9:06:39 AM |
| soilchem | $25.00 | $25.00 | 1/12/2010 6:06:01 PM |
| YummiBear | $25.00 | $25.00 | 1/12/2010 6:50:56 PM |
| SwiDaddy | $25.00 | $25.00 | 1/12/2010 8:02:17 PM |
| springpanda | $50.00 | $50.00 | 1/13/2010 2:01:06 PM |
| Lefty_the_Lender | $50.00 | $50.00 | 1/14/2010 2:38:39 PM |
| luminant | $25.00 | $25.00 | 1/16/2010 2:37:44 PM |
| redtilapia | $25.00 | $25.00 | 1/17/2010 11:58:28 PM |
| TJRCapital | $30.00 | $30.00 | 1/18/2010 1:53:23 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
442048
This series of Notes was issued and sold upon the funding of the borrower loan #40578, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
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:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
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:
| Feb-1997 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-659 (Jan-2010) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| top-transparency-gala |
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 high interest loan
Purpose of loan:
This loan will be used to pay off a very high interest loan.? I had to obtain this loan due to a family health issue.? My mom has M.S. and I had to move her in with me to take care of her and in turn had to find a larger place for both of us to live.? I am doing well at Aramark.? A great place to work and I am very stable as far as employment.? I just need help to pay this very high interest loan off and then in turn pay off the Prosper.com loan within the term stated.? At that point I will be debt free.? I do not have any credit cards or other debt besides the usual rent, car, etc.? Thank you for your consideration.? ?
Monthly net income: $ 3160.00
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 466
??Utilities: $ 100
??Phone, cable, internet: $ 35
??Food, entertainment: $?350
??Clothing, household expenses $ 50
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| christifa | $25.00 | $25.00 | 1/11/2010 4:05:15 PM |
| Evan_Safe | $25.00 | $25.00 | 1/11/2010 4:05:50 PM |
| bigdogsafety1 | $25.00 | $25.00 | 1/11/2010 4:05:57 PM |
| galtsgulch | $25.00 | $25.00 | 1/11/2010 4:26:17 PM |
| JKEnterprises | $25.00 | $25.00 | 1/11/2010 4:25:51 PM |
| toddhutch | $25.00 | $25.00 | 1/11/2010 4:26:38 PM |
| Mickeyblu | $25.00 | $25.00 | 1/11/2010 4:26:31 PM |
| handy-justice | $50.00 | $50.00 | 1/11/2010 4:32:45 PM |
| BankofBen | $25.00 | $25.00 | 1/11/2010 4:32:24 PM |
| note-tent | $25.00 | $25.00 | 1/11/2010 4:32:29 PM |
| kegs | $100.00 | $100.00 | 1/11/2010 4:32:36 PM |
| unk1911 | $25.00 | $25.00 | 1/11/2010 4:38:16 PM |
| reflective-rupee | $50.00 | $50.00 | 1/11/2010 7:17:51 PM |
| DenimCapital | $50.00 | $50.00 | 1/12/2010 6:52:25 PM |
| IMPULSE82 | $35.00 | $35.00 | 1/13/2010 9:43:31 AM |
| johnmac56 | $43.92 | $43.92 | 1/13/2010 10:46:58 AM |
| SnakeDoc_Investments | $25.91 | $25.91 | 1/13/2010 5:30:43 PM |
| toxicbutterfly | $25.00 | $25.00 | 1/14/2010 4:54:38 PM |
| fair-rate | $50.00 | $50.00 | 1/14/2010 10:01:47 PM |
| cunning-bill | $25.00 | $25.00 | 1/14/2010 7:13:50 PM |
| SV-AZ | $25.00 | $25.00 | 1/14/2010 9:51:42 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 1:13:32 PM |
| PRGuyinVA | $25.00 | $25.00 | 1/16/2010 12:43:12 PM |
| Calif-smo | $30.00 | $30.00 | 1/16/2010 9:37:22 PM |
| DasMula | $25.00 | $25.00 | 1/16/2010 10:48:29 PM |
| Ronnieboy888 | $25.00 | $25.00 | 1/17/2010 8:27:33 PM |
| credit-missile | $100.00 | $100.00 | 1/17/2010 9:57:45 PM |
| eclipse056 | $25.00 | $25.00 | 1/17/2010 8:31:40 PM |
| red-ready-principal | $100.00 | $100.00 | 1/18/2010 7:18:36 AM |
| orange-finance-banker | $50.00 | $50.00 | 1/18/2010 12:11:19 PM |
| ultimate-peace | $100.00 | $100.00 | 1/18/2010 1:39:18 PM |
| asset-control2 | $25.00 | $25.00 | 1/18/2010 3:41:48 PM |
| ultimate-peace | $50.00 | $50.00 | 1/18/2010 4:01:18 PM |
| sincere-rate8 | $25.00 | $25.00 | 1/11/2010 4:24:57 PM |
| Brainworm | $25.00 | $25.00 | 1/11/2010 4:25:47 PM |
| xiaoshem | $25.00 | $25.00 | 1/11/2010 4:26:23 PM |
| archeanchaos | $25.00 | $25.00 | 1/11/2010 4:26:30 PM |
| buggzz | $25.00 | $25.00 | 1/11/2010 4:28:04 PM |
| Ananya | $25.00 | $25.00 | 1/11/2010 4:28:05 PM |
| reflective-rupee | $50.00 | $50.00 | 1/11/2010 4:29:20 PM |
| niceville80 | $25.00 | $25.00 | 1/11/2010 4:32:39 PM |
| larrybird | $100.00 | $55.54 | 1/11/2010 4:32:47 PM |
| forthright-dedication | $25.00 | $25.00 | 1/11/2010 4:32:43 PM |
| kt103099 | $25.00 | $25.00 | 1/11/2010 4:32:27 PM |
| Tammy102800 | $25.00 | $25.00 | 1/11/2010 4:32:32 PM |
| WalnutCreekguy | $25.00 | $25.00 | 1/11/2010 4:32:34 PM |
| Rob717171 | $25.00 | $25.00 | 1/11/2010 4:32:41 PM |
| reflective-rupee | $50.00 | $50.00 | 1/11/2010 5:03:09 PM |
| SolarMoonshine | $25.00 | $25.00 | 1/11/2010 5:56:44 PM |
| reflective-rupee | $50.00 | $50.00 | 1/11/2010 7:17:36 PM |
| reflective-rupee | $50.00 | $50.00 | 1/11/2010 7:18:03 PM |
| exchange-cowbell5 | $100.00 | $100.00 | 1/11/2010 6:59:10 PM |
| Bob450 | $25.00 | $25.00 | 1/11/2010 8:17:11 PM |
| GeoLender | $25.00 | $25.00 | 1/11/2010 9:31:20 PM |
| Unitas4302 | $50.00 | $50.00 | 1/13/2010 4:23:26 PM |
| BenOrt | $25.00 | $25.00 | 1/14/2010 9:36:24 AM |
| unger | $50.00 | $50.00 | 1/14/2010 4:15:30 PM |
| bonus-quark4 | $25.00 | $25.00 | 1/14/2010 7:01:36 PM |
| GyJAV_BNCCo | $35.00 | $35.00 | 1/15/2010 1:11:21 PM |
| TackingWindward | $25.00 | $25.00 | 1/15/2010 1:19:53 PM |
| marwadi-62 | $25.00 | $25.00 | 1/15/2010 7:06:59 PM |
| heerzaquestion | $59.00 | $59.00 | 1/16/2010 8:02:30 AM |
| piter-to-la-investment | $25.00 | $25.00 | 1/16/2010 2:20:46 PM |
| ore-accord | $25.00 | $25.00 | 1/16/2010 5:46:49 PM |
| market-sanctuary9 | $25.00 | $25.00 | 1/16/2010 6:25:51 PM |
| missile5 | $50.00 | $50.00 | 1/16/2010 7:21:34 PM |
| 4thdeck | $50.00 | $50.00 | 1/17/2010 8:04:39 AM |
| Jorgef741 | $50.00 | $50.00 | 1/17/2010 8:58:43 AM |
| SNH | $50.00 | $50.00 | 1/17/2010 9:38:48 AM |
| CMDCO | $50.00 | $50.00 | 1/17/2010 11:29:26 AM |
| AF-Chief | $25.00 | $25.00 | 1/17/2010 7:58:26 PM |
| thomas16882004 | $25.00 | $25.00 | 1/18/2010 2:09:47 AM |
| tigercat | $50.00 | $50.00 | 1/18/2010 5:37:23 AM |
| lucrative-loan | $25.00 | $25.00 | 1/18/2010 10:49:08 AM |
| tcbmc | $25.00 | $25.00 | 1/18/2010 11:55:40 AM |
| Your_Bank | $25.00 | $25.00 | 1/18/2010 12:17:23 PM |
| wild-orange | $25.00 | $25.00 | 1/18/2010 1:19:41 PM |
| quest0 | $25.00 | $25.00 | 1/18/2010 3:22:29 PM |
| branaa99 | $25.00 | $25.00 | 1/18/2010 3:37:06 PM |
| squarebob | $25.00 | $25.00 | 1/18/2010 3:31:41 PM |
| asset-control2 | $25.00 | $25.00 | 1/18/2010 3:41:56 PM |
| jjsparks28 | $40.63 | $40.63 | 1/18/2010 4:02:30 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
442090
This series of Notes was issued and sold upon the funding of the borrower loan #40572, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Jan-11-2010 |
| |
Auction end date:
| Jan-18-2010 |
|
|
Starting lender yield:
| 13.05% |
Starting borrower rate/APR:
| 14.05% / 16.21% |
Starting monthly payment:
| $205.21 |
|
Final lender yield:
| 13.00% |
Final borrower rate/APR:
| 14.00% / 16.16% |
Final monthly payment:
| $205.07 |
| |
|
Auction yield range:
| 6.06% - 13.05% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.78% | | |
<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:
| May-1971 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 760-779 (Jan-2010) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $42,268 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 72% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| investmentapult |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay cards used to start my business
Purpose of loan:
This loan will be used to pay off two high interest credit cards I used to fund my company during the tough times while we got started. These cards are not maxed out but have high interest rates and I won't be able to pay off the balance on my own for at least six months. I'd prefer to pay them off now with a fixed loan so I don't accrue additional interest charges. I am very motivated to pay these cards off since I do not want to carry debt. Initially, I did get a roommate to help pay down the cards on my own but she turned out not be good at paying her rent and after owing me $2000 I had to ask her to leave. I would take on a second job, however, I already work 55-70 hours a week at my own small software company.
My financial situation:
I am a good candidate for this loan because I have had a consistent salary of slightly over $100k for the past two years. I have owned a townhouse for the past 2 years and am a month ahead on my mortgage payment. I am very organized and do not pay my bills late. My small company is starting its third year and we are very stable and doing well.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What kind of software do you program? Who are the customers? Thanks. - mbf2234
A:
Hi, thanks for your question.
My company is a women owned software consultancy in Northern Virginia that specializes in Ruby and Java custom software development for commercial and government clients.
Please let me know if you need any further information. :)
(Jan-15-2010)
Q:
Friend or relative to bid? You would be giving them a great rate - better than thier bank & If they trust you with $$ I can too! - JGuide
A:
Thanks for the advice but I prefer to keep my finances private.
(Jan-18-2010)
Q:
Do you have a website with some of your work? - JGuide
A:
Yes, http://codesherpas.com/portfolio
(Jan-18-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| dumbass | $25.00 | $25.00 | 1/11/2010 4:05:35 PM |
| wanna-help | $30.00 | $30.00 | 1/11/2010 4:05:25 PM |
| idriveajeep | $25.00 | $25.00 | 1/11/2010 4:06:47 PM |
| ahalyaa | $30.00 | $30.00 | 1/11/2010 4:06:14 PM |
| ccamp99 | $25.00 | $25.00 | 1/11/2010 4:06:27 PM |
| gravity-powered-air-cooled | $25.00 | $25.00 | 1/11/2010 4:07:15 PM |
| Nic_R | $25.00 | $25.00 | 1/11/2010 4:05:19 PM |
| stoopidnoodle | $25.00 | $25.00 | 1/11/2010 4:06:39 PM |
| busydude88 | $25.00 | $25.00 | 1/11/2010 4:09:02 PM |
| epch | $25.00 | $25.00 | 1/11/2010 4:07:10 PM |
| vshnay | $25.00 | $25.00 | 1/11/2010 4:07:48 PM |
| ted9119 | $25.00 | $25.00 | 1/11/2010 4:08:02 PM |
| thefiringzod | $25.00 | $25.00 | 1/11/2010 4:10:24 PM |
| Panther4586 | $25.00 | $25.00 | 1/11/2010 4:10:32 PM |
| GFTM | $25.00 | $25.00 | 1/11/2010 4:09:04 PM |
| chekat | $25.00 | $25.00 | 1/11/2010 4:11:15 PM |
| paymentologist | $25.00 | $25.00 | 1/11/2010 4:11:31 PM |
| dullstar | $25.00 | $25.00 | 1/11/2010 4:11:39 PM |
| value-pouch | $25.00 | $25.00 | 1/11/2010 4:11:18 PM |
| mtquan | $25.00 | $25.00 | 1/11/2010 4:11:22 PM |
| felicity-synapse | $25.00 | $25.00 | 1/11/2010 4:13:03 PM |
| unk1911 | $25.00 | $25.00 | 1/11/2010 4:13:15 PM |
| loanfairy | $25.00 | $25.00 | 1/11/2010 4:13:22 PM |
| totoro | $25.00 | $25.00 | 1/11/2010 4:12:00 PM |
| first-fund-empenada | $25.00 | $25.00 | 1/11/2010 4:12:09 PM |
| Au-Ag-Pt | $25.00 | $25.00 | 1/11/2010 4:13:17 PM |
| romario | $50.00 | $50.00 | 1/11/2010 4:13:29 PM |
| tallmon | $25.00 | $25.00 | 1/11/2010 4:12:43 PM |
| barbershopper_NT | $25.00 | $25.00 | 1/11/2010 4:13:35 PM |
| desertoasis | $25.00 | $25.00 | 1/11/2010 4:12:50 PM |
| E_G | $30.00 | $30.00 | 1/11/2010 4:14:36 PM |
| Doodlemeyer | $25.00 | $25.00 | 1/11/2010 4:13:45 PM |
| punctual-power7 | $25.00 | $25.00 | 1/11/2010 4:13:51 PM |
| Veloce | $25.00 | $25.00 | 1/11/2010 4:13:13 PM |
| rolandweary | $40.00 | $40.00 | 1/11/2010 4:15:07 PM |
| aasx1108 | $25.00 | $25.00 | 1/11/2010 4:13:40 PM |
| benefit-squirrel | $30.00 | $30.00 | 1/11/2010 4:15:23 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/11/2010 4:14:27 PM |
| elegant-income3 | $30.00 | $30.00 | 1/11/2010 4:14:03 PM |
| shrewd-deal | $25.00 | $25.00 | 1/11/2010 4:15:45 PM |
| roto | $25.00 | $25.00 | 1/11/2010 4:15:52 PM |
| hitsman | $50.00 | $50.00 | 1/11/2010 4:15:38 PM |
| bchen78875 | $25.00 | $25.00 | 1/11/2010 4:15:17 PM |
| thestartuplender | $35.00 | $35.00 | 1/11/2010 4:16:06 PM |
| DRA-Properties | $25.00 | $25.00 | 1/11/2010 4:17:24 PM |
| Banker7371 | $25.00 | $25.00 | 1/11/2010 4:17:29 PM |
| SNH | $50.00 | $50.00 | 1/11/2010 4:16:35 PM |
| flopcat | $25.00 | $25.00 | 1/11/2010 4:16:53 PM |
| blooming-dedication | $50.00 | $50.00 | 1/11/2010 4:16:58 PM |
| melodious-fairness | $25.00 | $25.00 | 1/11/2010 4:17:06 PM |
| contract-voltage | $25.00 | $25.00 | 1/11/2010 4:17:33 PM |
| microlendblvr | $150.00 | $150.00 | 1/11/2010 4:17:45 PM |
| jetblack | $50.00 | $50.00 | 1/11/2010 4:26:21 PM |
| worth-victor6 | $25.00 | $25.00 | 1/11/2010 4:56:49 PM |
| sparkmeister | $25.00 | $25.00 | 1/11/2010 4:56:09 PM |
| dime-neutron | $25.00 | $25.00 | 1/11/2010 5:35:15 PM |
| kind-bid-maverick | $50.00 | $50.00 | 1/11/2010 6:06:06 PM |
| GyJAV_BNCCo | $25.00 | $25.00 | 1/12/2010 7:42:04 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 1/12/2010 10:37:53 AM |
| coolgenner | $50.00 | $50.00 | 1/12/2010 3:42:02 PM |
| Syzygy | $25.00 | $25.00 | 1/12/2010 5:30:22 PM |
| conductor146 | $25.00 | $25.00 | 1/12/2010 9:42:41 PM |
| CC911 | $25.00 | $25.00 | 1/13/2010 6:29:56 AM |
| JustMee | $25.00 | $25.00 | 1/13/2010 6:44:12 AM |
| nickel-pipeline | $30.00 | $30.00 | 1/13/2010 10:21:24 AM |
| Tingali | $25.00 | $25.00 | 1/13/2010 11:13:41 AM |
| SpotLending | $50.00 | $50.00 | 1/13/2010 8:30:35 PM |
| RedCentre | $174.36 | $174.36 | 1/14/2010 1:48:36 PM |
| Dollars4Rent | $25.00 | $25.00 | 1/15/2010 8:37:05 AM |
| phaded | $25.00 | $25.00 | 1/15/2010 2:19:22 PM |
| JerryB96 | $25.00 | $25.00 | 1/16/2010 8:31:03 AM |
| Sven79 | $200.00 | $200.00 | 1/16/2010 4:31:50 PM |
| moneyman369 | $62.20 | $62.20 | 1/16/2010 4:59:13 PM |
| StrongMonty | $25.00 | $25.00 | 1/16/2010 5:31:40 PM |
| SpotLending | $50.00 | $50.00 | 1/16/2010 12:38:10 PM |
| Bob450 | $50.00 | $50.00 | 1/16/2010 8:52:09 PM |
| edsmoney | $100.00 | $100.00 | 1/17/2010 8:06:24 AM |
| FinanciallySavvyMom | $28.28 | $28.28 | 1/17/2010 8:18:40 AM |
| cognizant-rate732 | $100.00 | $100.00 | 1/17/2010 10:06:16 AM |
| TomOfCT | $25.00 | $25.00 | 1/17/2010 1:52:37 PM |
| LoanerPrincipal | $50.00 | $50.00 | 1/17/2010 9:34:57 PM |
| velocity-winner | $25.00 | $25.00 | 1/18/2010 9:25:25 AM |
| forthright-trade | $25.00 | $25.00 | 1/18/2010 10:36:17 AM |
| jybank | $25.00 | $25.00 | 1/18/2010 12:14:50 PM |
| JGuide | $25.00 | $25.00 | 1/18/2010 12:21:52 PM |
| Moxman125 | $25.00 | $25.00 | 1/18/2010 1:57:41 PM |
| orange-finance-banker | $50.00 | $50.00 | 1/18/2010 12:12:29 PM |
| acebandit | $25.00 | $25.00 | 1/11/2010 4:05:44 PM |
| truth-companion | $25.00 | $25.00 | 1/11/2010 4:06:21 PM |
| rdcmaint | $25.00 | $25.00 | 1/11/2010 4:06:55 PM |
| polymerchemist | $25.00 | $25.00 | 1/11/2010 4:06:08 PM |
| kindness-bassoon | $25.00 | $25.00 | 1/11/2010 4:05:02 PM |
| NBO2006 | $25.00 | $25.00 | 1/11/2010 4:06:35 PM |
| archeanchaos | $25.00 | $25.00 | 1/11/2010 4:07:43 PM |
| shadargroup | $25.00 | $25.00 | 1/11/2010 4:06:33 PM |
| famous-community8 | $25.00 | $25.00 | 1/11/2010 4:07:30 PM |
| slobrewtx | $25.00 | $25.00 | 1/11/2010 4:06:59 PM |
| Paraglider | $35.00 | $35.00 | 1/11/2010 4:07:42 PM |
| hope-eagle6 | $25.00 | $25.00 | 1/11/2010 4:08:20 PM |
| tlp43 | $25.00 | $25.00 | 1/11/2010 4:08:08 PM |
| harmonious-yield | $25.00 | $25.00 | 1/11/2010 4:08:40 PM |
| awe53 | $25.00 | $25.00 | 1/11/2010 4:09:06 PM |
| mossface | $25.00 | $25.00 | 1/11/2010 4:09:11 PM |
| bid-chuckler | $50.00 | $50.00 | 1/11/2010 4:11:16 PM |
| fopaul13 | $25.00 | $25.00 | 1/11/2010 4:11:29 PM |
| martiantim | $25.00 | $25.00 | 1/11/2010 4:10:08 PM |
| BlindJoeDeath | $25.00 | $25.00 | 1/11/2010 4:12:44 PM |
| Marathoner | $25.00 | $25.00 | 1/11/2010 4:13:24 PM |
| WillyBobba | $25.00 | $25.00 | 1/11/2010 4:11:53 PM |
| DUDE66 | $50.00 | $50.00 | 1/11/2010 4:12:14 PM |
| AF-Chief | $35.00 | $35.00 | 1/11/2010 4:13:18 PM |
| Supernick | $100.00 | $100.00 | 1/11/2010 4:13:20 PM |
| credit-kahuna | $100.00 | $100.00 | 1/11/2010 4:14:45 PM |
| duty-sensai | $25.00 | $25.00 | 1/11/2010 4:13:01 PM |
| Pizza-man | $50.00 | $50.00 | 1/11/2010 4:13:56 PM |
| personal-lender | $25.00 | $25.00 | 1/11/2010 4:15:05 PM |
| astute-dollar | $100.00 | $100.00 | 1/11/2010 4:14:15 PM |
| wiltonbound | $25.00 | $25.00 | 1/11/2010 4:15:32 PM |
| tremendous-payment | $25.00 | $25.00 | 1/11/2010 4:14:42 PM |
| forthright-social | $25.00 | $25.00 | 1/11/2010 4:14:09 PM |
| duty-monger | $50.00 | $50.00 | 1/11/2010 4:15:50 PM |
| klinebarger | $25.00 | $25.00 | 1/11/2010 4:15:54 PM |
| galaxy1 | $25.00 | $25.00 | 1/11/2010 4:14:21 PM |
| Kaj | $25.00 | $25.00 | 1/11/2010 4:15:59 PM |
| wayman | $50.00 | $50.00 | 1/11/2010 4:15:21 PM |
| payout-achievement | $40.00 | $40.00 | 1/11/2010 4:14:50 PM |
| note-tent | $25.00 | $25.00 | 1/11/2010 4:16:18 PM |
| Picopie | $50.00 | $50.00 | 1/11/2010 4:16:36 PM |
| exact-loan5 | $25.00 | $25.00 | 1/11/2010 4:16:40 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 1/11/2010 4:16:08 PM |
| kchen486 | $25.00 | $25.00 | 1/11/2010 4:16:13 PM |
| techvet | $25.00 | $25.00 | 1/11/2010 4:16:23 PM |
| worldly-community3 | $25.00 | $25.00 | 1/11/2010 4:16:47 PM |
| schpere | $25.00 | $17.13 | 1/11/2010 4:17:49 PM |
| Binan | $25.00 | $25.00 | 1/11/2010 4:17:34 PM |
| gulch | $25.00 | $25.00 | 1/11/2010 4:17:17 PM |
| adir1 | $25.00 | $25.00 | 1/11/2010 4:17:39 PM |
| wonderful-return5 | $25.00 | $25.00 | 1/11/2010 4:17:40 PM |
| wwwUniversal | $25.00 | $25.00 | 1/11/2010 4:58:34 PM |
| cashhelp | $25.00 | $25.00 | 1/11/2010 5:24:09 PM |
| WilliamLeeSims | $25.00 | $25.00 | 1/11/2010 5:24:56 PM |
| asset-caballero | $25.00 | $25.00 | 1/11/2010 6:56:11 PM |
| loyalty-czar | $50.00 | $50.00 | 1/12/2010 2:02:36 PM |
| exchange-cowbell5 | $150.00 | $150.00 | 1/12/2010 7:26:24 PM |
| Sol_Invictus | $25.00 | $25.00 | 1/13/2010 4:43:57 AM |
| tender-ore | $25.00 | $25.00 | 1/13/2010 9:21:51 AM |
| MayaInvestment | $45.00 | $45.00 | 1/13/2010 10:06:05 AM |
| wise-balanced-moola | $25.00 | $25.00 | 1/13/2010 5:48:34 PM |
| justin323 | $25.00 | $25.00 | 1/13/2010 5:53:49 PM |
| MissGPie | $25.00 | $25.00 | 1/13/2010 9:02:34 PM |
| zento | $25.00 | $25.00 | 1/14/2010 2:40:03 PM |
| Havnfun | $25.00 | $25.00 | 1/14/2010 4:38:34 PM |
| charitycoon | $100.00 | $100.00 | 1/15/2010 8:54:16 AM |
| ok | $25.00 | $25.00 | 1/15/2010 10:30:37 AM |
| MoneyOps | $25.00 | $25.00 | 1/15/2010 2:41:40 PM |
| lucrative-durability | $25.00 | $25.00 | 1/15/2010 7:03:50 PM |
| wonderous-power | $25.00 | $25.00 | 1/16/2010 4:11:25 AM |
| KlarthXVII | $25.00 | $25.00 | 1/17/2010 9:09:18 AM |
| hidavehi | $100.00 | $100.00 | 1/17/2010 9:50:43 AM |
| truth-futurist | $50.00 | $50.00 | 1/16/2010 9:27:02 PM |
| active-dinero | $26.64 | $26.64 | 1/17/2010 8:38:59 AM |
| banker366 | $25.00 | $25.00 | 1/17/2010 6:21:39 PM |
| sc-pjb11 | $25.00 | $25.00 | 1/18/2010 5:09:13 AM |
| Loan_shark718 | $50.00 | $50.00 | 1/18/2010 7:59:41 AM |
| scrabbler | $25.00 | $25.00 | 1/18/2010 6:43:25 AM |
| willinvest | $26.39 | $26.39 | 1/18/2010 9:47:55 AM |
| Your_Bank | $25.00 | $25.00 | 1/18/2010 12:20:27 PM |
| HappyToLoan | $25.00 | $25.00 | 1/18/2010 4:00:03 PM |
| The-CAPS-fan | $25.00 | $25.00 | 1/18/2010 3:30:05 PM |
| 169 bids
|
Borrower Payment Dependent Notes Series
442124
This series of Notes was issued and sold upon the funding of the borrower loan #40582, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 33.30% |
Final borrower rate/APR:
| 34.30% / 36.74% |
Final monthly payment:
| $224.20 |
| |
|
Auction yield range:
| 14.06% - 34.00% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.76% | | |
<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:
| Sep-2005 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 660-679 (Jan-2010) |
Current / open credit lines:
| 11
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,045 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 90% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| jeffersonThompson |
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
Start bidding for my debt!
Purpose of loan:
Reconcile high-interest revolving balances. This will raise my FICO score significantly, allowing me to finance my debt at a more favorable interest rate than credit cards or Prosper can offer me right now.
My financial situation:
Check my old Prosper listings; I have a lot of history with Prosper. I just bought a house in 2009, and with all the scrutiny lenders give to clients, I wouldn't have been able to get a mortage in these times if I wasn't financially worthy. After buying the house, however, I incurred debt at an unfavorable interest rate in my eagerness to get the house fixed up and remodeled.
Monthly net income: $5000+
Monthly expenses:?
????Taxes: $1375??
????Mortage+insurance: $1500??
????Car expenses: I own my cars. $250 for insurance, $200 for gas.
????Utilities, phone, cable, internet: $250??
????Food, entertainment: $500??
????Credit cards and other loans: $170 in interest, principal is discretionary.
This would leave at least $1200/month for discretionary spending and the servicing of this loan. I will allow the market to dictate what interest rate i should pay, so i will start it out high, and you compete to bid it down!
I understand that the interest rate i'm giving you, as the lender, may be close to what i'm paying on my cards (30%). However, even with the origination fee being 3%, i do not plan to be in this loan more than a year or maybe even six months. I want to get you your money back as soon as possible so you can go out and make more money with it.
The purpose of this loan is to tidy up my credit so i can get cheap capital for less than 10% APR, which i know i can do if i can lower my revolving balances to below 10% of revolving credit limit. I am not going to let you down.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please explain the kinds of products or services you sell to earn commissions and how demand for those products/services has held up over the last year. Thanks and good luck. - TackingWindward
A:
I open brokerage accounts for people who wish to use our trading software. My commission is 5% of the commissions that my traders generate during their first year, so they need not be profitable ? just active. I started in May 2008 and made around $43k the rest of that year. In 2009 I made a bit over $70k. As for demand, year-over-year, my firm's average clients assets increased from around $1.6 billion to a bit over $2 billion this yr
There's always people who want to make money in the market.
(Jan-16-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kt103099 | $25.00 | $25.00 | 1/12/2010 4:56:06 PM |
| niceville80 | $25.00 | $25.00 | 1/12/2010 4:56:14 PM |
| larrybird | $100.00 | $100.00 | 1/12/2010 4:56:20 PM |
| inspiring-reward | $50.00 | $50.00 | 1/12/2010 4:56:23 PM |
| Soxxes | $25.00 | $25.00 | 1/12/2010 4:56:34 PM |
| WalnutCreekguy | $25.00 | $25.00 | 1/12/2010 4:56:10 PM |
| handy-justice | $50.00 | $50.00 | 1/12/2010 4:56:19 PM |
| note-tent | $25.00 | $25.00 | 1/12/2010 4:56:07 PM |
| Tammy102800 | $25.00 | $25.00 | 1/12/2010 4:56:09 PM |
| kegs | $100.00 | $100.00 | 1/12/2010 4:56:12 PM |
| delicious-social132 | $25.00 | $25.00 | 1/12/2010 4:56:26 PM |
| SongBirdProphecy | $25.00 | $25.00 | 1/12/2010 4:58:01 PM |
| Orringo | $50.00 | $50.00 | 1/12/2010 4:58:07 PM |
| zippy-interest | $25.00 | $25.00 | 1/12/2010 5:02:29 PM |
| payout-point | $25.00 | $25.00 | 1/12/2010 5:07:57 PM |
| putian47 | $25.00 | $25.00 | 1/12/2010 5:05:19 PM |
| SMARTDISK | $25.00 | $25.00 | 1/12/2010 7:46:01 PM |
| GeoLender | $25.00 | $25.00 | 1/12/2010 9:16:09 PM |
| Bob450 | $25.00 | $25.00 | 1/12/2010 9:23:19 PM |
| newest-greenback-force | $25.00 | $25.00 | 1/13/2010 9:42:17 AM |
| wise-silver-wonder | $25.00 | $25.00 | 1/13/2010 10:02:18 AM |
| hyrolln | $25.00 | $25.00 | 1/13/2010 10:52:39 AM |
| WMY-Investor | $25.00 | $25.00 | 1/13/2010 12:57:40 PM |
| blue-liberty-gourd | $25.00 | $25.00 | 1/13/2010 3:47:53 PM |
| boybutter | $25.00 | $25.00 | 1/13/2010 3:49:05 PM |
| pemb0023 | $25.00 | $25.00 | 1/13/2010 6:30:36 PM |
| innovator2 | $50.00 | $50.00 | 1/13/2010 6:39:56 PM |
| rock-turner | $25.00 | $25.00 | 1/14/2010 9:38:05 AM |
| r1g3l | $100.00 | $100.00 | 1/14/2010 12:59:43 PM |
| cippy | $100.00 | $100.00 | 1/14/2010 12:57:52 PM |
| CASHGIRL | $25.00 | $25.00 | 1/14/2010 2:34:50 PM |
| productive-ore | $25.00 | $25.00 | 1/14/2010 8:06:34 PM |
| NorthernFunds | $25.00 | $25.00 | 1/15/2010 11:00:48 AM |
| fuzed | $25.00 | $25.00 | 1/15/2010 11:48:15 AM |
| teltech | $25.00 | $25.00 | 1/15/2010 1:28:24 PM |
| penny-surgeon | $25.00 | $25.00 | 1/15/2010 2:22:48 PM |
| buffalobills | $25.00 | $25.00 | 1/15/2010 4:02:39 PM |
| vest_vortex | $25.00 | $25.00 | 1/15/2010 5:47:04 PM |
| SFBank | $200.00 | $200.00 | 1/15/2010 6:17:25 PM |
| famous-bill | $75.00 | $75.00 | 1/16/2010 9:31:50 AM |
| zento | $25.00 | $25.00 | 1/16/2010 7:46:21 PM |
| downbet | $25.00 | $25.00 | 1/17/2010 11:50:25 AM |
| Raven39 | $25.00 | $25.00 | 1/17/2010 2:41:15 PM |
| treasure-amplifier6 | $25.00 | $25.00 | 1/17/2010 9:49:18 AM |
| buggzz | $25.00 | $9.55 | 1/17/2010 8:27:06 PM |
| jldallover | $25.00 | $25.00 | 1/17/2010 8:14:08 PM |
| spiff666 | $25.00 | $25.00 | 1/18/2010 7:02:32 AM |
| order-bee1 | $75.00 | $75.00 | 1/18/2010 12:46:40 AM |
| innovator2 | $50.00 | $50.00 | 1/18/2010 3:40:34 PM |
| helping-out | $85.94 | $85.94 | 1/18/2010 4:18:20 PM |
| admirable-credit | $25.00 | $25.00 | 1/18/2010 4:31:35 PM |
| reflective-rupee | $100.00 | $100.00 | 1/18/2010 7:19:17 PM |
| Loaner_without_a_cause | $25.00 | $25.00 | 1/18/2010 7:03:03 PM |
| leverage-hawk | $43.38 | $43.38 | 1/18/2010 7:57:27 PM |
| squarebob | $25.00 | $25.00 | 1/18/2010 8:32:25 PM |
| Capit0l | $25.92 | $25.92 | 1/19/2010 5:37:24 AM |
| CREinvestor | $25.00 | $25.00 | 1/19/2010 6:37:27 AM |
| Leshan | $25.00 | $25.00 | 1/19/2010 7:31:28 AM |
| btoole | $25.00 | $25.00 | 1/19/2010 9:27:24 AM |
| JustMee | $25.00 | $25.00 | 1/19/2010 10:19:18 AM |
| Rule62 | $25.00 | $25.00 | 1/19/2010 10:44:46 AM |
| DasMula | $150.00 | $150.00 | 1/19/2010 10:58:50 AM |
| PotBellyPete | $39.69 | $39.69 | 1/19/2010 11:58:31 AM |
| Rogelio48 | $29.00 | $29.00 | 1/19/2010 12:25:21 PM |
| Rob717171 | $25.00 | $25.00 | 1/12/2010 4:56:16 PM |
| Phantom99 | $25.00 | $25.00 | 1/12/2010 4:56:29 PM |
| MidLifeCrisis | $25.00 | $25.00 | 1/12/2010 4:56:46 PM |
| flexible-economy2 | $50.00 | $50.00 | 1/12/2010 4:59:22 PM |
| forthright-dedication | $25.00 | $25.00 | 1/12/2010 4:56:17 PM |
| ryan23 | $25.00 | $25.00 | 1/12/2010 4:57:52 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/12/2010 5:03:15 PM |
| return-tycoon3 | $25.00 | $25.00 | 1/12/2010 5:02:45 PM |
| time4aloan | $25.00 | $25.00 | 1/12/2010 5:04:51 PM |
| oceanwind1950 | $25.00 | $25.00 | 1/12/2010 5:07:19 PM |
| cklb | $50.00 | $50.00 | 1/12/2010 5:07:21 PM |
| orange-finance-banker | $25.00 | $25.00 | 1/12/2010 5:07:39 PM |
| bold-principal-thinker | $25.00 | $25.00 | 1/12/2010 5:06:13 PM |
| tuneman1980 | $25.00 | $25.00 | 1/12/2010 5:34:39 PM |
| SolarMoonshine | $25.00 | $25.00 | 1/12/2010 6:37:55 PM |
| LR_Biker | $25.00 | $25.00 | 1/12/2010 7:45:38 PM |
| RayEarth | $25.00 | $25.00 | 1/12/2010 7:40:18 PM |
| market-builder | $25.00 | $25.00 | 1/12/2010 7:45:39 PM |
| innovator2 | $25.00 | $25.00 | 1/12/2010 9:11:17 PM |
| atothez | $50.00 | $50.00 | 1/13/2010 11:22:01 AM |
| helping-out | $25.00 | $25.00 | 1/13/2010 12:57:36 PM |
| studious-responsibility | $25.00 | $25.00 | 1/13/2010 3:48:48 PM |
| evaglamazon | $25.00 | $25.00 | 1/13/2010 3:49:14 PM |
| scottr | $25.00 | $25.00 | 1/13/2010 3:48:35 PM |
| green-careful-community | $25.00 | $25.00 | 1/13/2010 3:48:51 PM |
| BankofBen | $25.00 | $25.00 | 1/13/2010 3:48:26 PM |
| selfmademan | $25.00 | $25.00 | 1/13/2010 3:49:00 PM |
| gold-cluster | $100.00 | $100.00 | 1/13/2010 3:49:40 PM |
| SeaSkyGuy71 | $25.00 | $25.00 | 1/13/2010 10:36:15 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 1/14/2010 9:43:19 AM |
| graceful-investment | $25.00 | $25.00 | 1/14/2010 9:38:00 AM |
| emance | $50.00 | $50.00 | 1/14/2010 6:28:38 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 1/15/2010 5:54:45 AM |
| indomitable-dedication | $25.00 | $25.00 | 1/15/2010 9:38:15 AM |
| lsx7 | $30.00 | $30.00 | 1/15/2010 1:29:53 PM |
| p2ploan-leaper | $25.00 | $25.00 | 1/15/2010 2:18:50 PM |
| 3am-preacher | $25.00 | $25.00 | 1/15/2010 4:49:50 PM |
| sincere-rate8 | $25.00 | $25.00 | 1/16/2010 9:37:05 AM |
| christifa | $25.00 | $25.00 | 1/16/2010 12:01:26 PM |
| marwadi-62 | $25.00 | $25.00 | 1/16/2010 9:46:21 AM |
| PRGuyinVA | $25.00 | $25.00 | 1/16/2010 1:01:06 PM |
| Evan_Safe | $25.00 | $25.00 | 1/16/2010 12:01:27 PM |
| bright-exchange | $25.00 | $25.00 | 1/16/2010 2:28:10 PM |
| lcole32 | $25.00 | $25.00 | 1/16/2010 9:46:21 PM |
| skiingawfs | $25.00 | $25.00 | 1/16/2010 11:01:45 PM |
| integrity-disk | $25.00 | $25.00 | 1/17/2010 8:14:37 AM |
| imlosttoo | $25.00 | $25.00 | 1/17/2010 9:11:57 AM |
| brooklynjoe | $25.00 | $25.00 | 1/17/2010 7:51:38 AM |
| Ronnieboy888 | $25.00 | $25.00 | 1/17/2010 8:35:40 PM |
| order-bee1 | $75.00 | $75.00 | 1/18/2010 12:47:14 AM |
| cashhelp | $25.00 | $25.00 | 1/18/2010 10:22:26 AM |
| mespeedy36 | $25.00 | $25.00 | 1/18/2010 5:07:08 PM |
| piter-to-la-investment | $50.00 | $50.00 | 1/18/2010 5:49:48 PM |
| reflective-rupee | $100.00 | $100.00 | 1/18/2010 7:19:29 PM |
| aks12 | $25.00 | $25.00 | 1/18/2010 6:54:21 PM |
| reflective-rupee | $100.00 | $100.00 | 1/18/2010 7:19:04 PM |
| rkt88edmo | $26.56 | $26.56 | 1/19/2010 12:31:06 AM |
| mason752 | $57.43 | $57.43 | 1/19/2010 1:41:20 AM |
| justme4now | $25.00 | $25.00 | 1/19/2010 4:55:22 AM |
| epic-payout | $62.53 | $62.53 | 1/19/2010 6:31:06 AM |
| papaloha | $50.00 | $50.00 | 1/19/2010 3:28:46 AM |
| RecoveryLender | $25.00 | $25.00 | 1/19/2010 6:56:25 AM |
| 99Lender | $30.00 | $30.00 | 1/19/2010 4:34:55 AM |
| Trespass4 | $60.00 | $60.00 | 1/19/2010 9:26:35 AM |
| natural-greenback6 | $25.00 | $25.00 | 1/19/2010 9:43:30 AM |
| squarebob | $25.00 | $25.00 | 1/19/2010 9:21:16 AM |
| reflective-rupee | $100.00 | $100.00 | 1/19/2010 10:22:32 AM |
| lucrative-loan | $50.00 | $50.00 | 1/19/2010 10:57:44 AM |
| fund-secret-agent | $25.00 | $25.00 | 1/19/2010 10:54:41 AM |
| FinanceEngine | $25.00 | $25.00 | 1/19/2010 11:50:55 AM |
| careful-compassion | $25.00 | $25.00 | 1/19/2010 11:51:52 AM |
| 135 bids
|
Borrower Payment Dependent Notes Series
442180
This series of Notes was issued and sold upon the funding of the borrower loan #40558, 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-12-2010 |
| |
Auction end date:
| Jan-19-2010 |
|
|
Starting lender yield:
| 30.24% |
Starting borrower rate/APR:
| 31.24% / 33.64% |
Starting monthly payment:
| $215.67 |
|
Final lender yield:
| 28.00% |
Final borrower rate/APR:
| 29.00% / 31.36% |
Final monthly payment:
| $209.53 |
| |
|
Auction yield range:
| 11.06% - 30.24% |
Estimated loss impact:
| 10.70% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.30% | | |
<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:
| Dec-1994 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 680-699 (Jan-2010) |
Current / open credit lines:
| 12
/
11 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 64 | Length of status: | 16y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,385 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 74% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| jeepsters |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $9,000.00 | < mo. late:
| 0
( 0% )
| 600-619
(Mar-2007)
|
|
Principal balance:
| $1,314.07 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 32 | | |
Description
Just want a little left on pay day
PURPOSE
We would like to thank you all for your support on our first loan,(we just want our life back.) We would like this loan to consolidate some smaller bills including the previous loan to which we never missed a payment. We have come a long way, but 2009 was a hard year on all of us. This would allow us to have a few dollars at the end of each pay day to pay down some of our other bills. Thank you very much the Jeepsters.
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 why 2009 was a hard year for you. Thanks much and best wishes. - reflective-rupee
A:
Dear Lender, As a truck driver locally I deliver furniture and carpet from suppliers to whole salers. Due to the economic slow down it has forced me to go back over the road at times to maintain a steady income. This is more costly than being home each night. Fortunately my wife and I have been luck enough to work for strong companies during this economic crunch.
(Jan-13-2010)
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 much - reflective-rupee
A:
Dear Lender,
Mortage 175 k owed, value 182 k - payment 1400.00
Citi Bank 4500 - payment 115.00
Citi Bank 2500 - payment 88.00
American General 5,000 - payment 229.00
American First Credit (Truck) 23,000 - payment 425.00
Golden West Credit ( RV ) 36,000 - payment 408.00
Sams Club 950.00 - payment 25.00
Les Schwab 1,025 - payment 75.00
Prosper 1100.00 - payment 340.70 to be paid off with this loan.
(Jan-13-2010)
Q:
Please indicate the monthly net income for each of you and your spouse, and please indicate your monthly expenses. Thanks - reflective-rupee
A:
Dear Lender, Major expenses listed on previous question, as to our income my gross was 61.000 last year and my net was 46,000.00 last yr. My wife grossed about 27,248.00 last year and her net was19,200.00 last year.
(Jan-13-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Bob450 | $25.00 | $25.00 | 1/12/2010 9:08:55 PM |
| return-grizzly | $100.00 | $100.00 | 1/14/2010 11:14:18 AM |
| ptjg | $50.00 | $50.00 | 1/14/2010 5:13:04 PM |
| shawnw2 | $86.86 | $86.86 | 1/15/2010 4:28:36 AM |
| wealth-pipeline | $25.00 | $25.00 | 1/15/2010 8:05:21 AM |
| shawnw2 | $100.00 | $100.00 | 1/15/2010 4:48:19 AM |
| SolarMoonshine | $25.00 | $25.00 | 1/15/2010 3:55:41 PM |
| DenimCapital | $200.00 | $200.00 | 1/16/2010 1:56:54 PM |
| Aberdeen | $300.00 | $300.00 | 1/16/2010 7:35:25 PM |
| Jordan1123 | $25.00 | $25.00 | 1/17/2010 6:08:19 AM |
| DenimCapital | $100.00 | $100.00 | 1/17/2010 7:24:50 PM |
| VikingLender | $50.00 | $50.00 | 1/18/2010 8:15:28 AM |
| wise-silver-wonder | $25.00 | $25.00 | 1/18/2010 4:35:55 PM |
| piter-to-la-investment | $50.00 | $50.00 | 1/18/2010 5:52:18 PM |
| Ray3486 | $25.00 | $25.00 | 1/18/2010 4:58:04 PM |
| Ray3486 | $25.00 | $25.00 | 1/18/2010 5:37:20 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 1/18/2010 6:56:12 PM |
| Your_Bank | $50.00 | $50.00 | 1/18/2010 7:23:36 PM |
| crw1950 | $50.00 | $50.00 | 1/18/2010 7:17:53 PM |
| lender12345 | $50.00 | $50.00 | 1/18/2010 8:10:45 PM |
| vine99 | $25.00 | $25.00 | 1/18/2010 9:06:21 PM |
| papaloha | $50.00 | $50.00 | 1/19/2010 3:11:39 AM |
| bold-attentive-listing | $84.18 | $84.18 | 1/18/2010 11:44:45 PM |
| Moe87 | $33.00 | $33.00 | 1/19/2010 5:04:48 AM |
| squarebob | $25.00 | $25.00 | 1/19/2010 9:25:46 AM |
| squarebob | $25.00 | $25.00 | 1/19/2010 9:25:18 AM |
| Your_Bank | $50.00 | $50.00 | 1/19/2010 10:20:42 AM |
| Leshan | $66.67 | $66.67 | 1/19/2010 12:02:06 PM |
| reflective-rupee | $50.00 | $50.00 | 1/19/2010 12:22:54 PM |
| fireferd | $200.00 | $200.00 | 1/19/2010 2:28:07 PM |
| ultimate-peace | $450.00 | $450.00 | 1/19/2010 12:50:27 PM |
| RecoveryLender | $25.88 | $25.88 | 1/19/2010 4:05:09 PM |
| Engineer44 | $25.00 | $25.00 | 1/19/2010 4:18:49 PM |
| credit-missile | $34.70 | $34.70 | 1/19/2010 2:31:03 PM |
| worldly-gold | $50.00 | $50.00 | 1/19/2010 4:17:50 PM |
| responsible-worth113 | $28.50 | $28.50 | 1/19/2010 3:48:38 PM |
| tigercat | $50.00 | $50.00 | 1/19/2010 3:51:06 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 1/19/2010 4:04:26 PM |
| exchange-cowbell5 | $1,000.00 | $454.09 | 1/19/2010 4:18:24 PM |
| JustMee | $25.00 | $25.00 | 1/12/2010 5:35:53 PM |
| foothillender | $25.00 | $25.00 | 1/14/2010 7:59:18 AM |
| shawnw2 | $50.00 | $50.00 | 1/14/2010 1:49:44 PM |
| CA_Lender | $25.00 | $25.00 | 1/14/2010 1:49:03 PM |
| equitylender | $50.00 | $50.00 | 1/14/2010 6:42:08 PM |
| credit-maestro | $25.12 | $25.12 | 1/15/2010 2:12:45 PM |
| vest_vortex | $25.00 | $25.00 | 1/15/2010 5:49:59 PM |
| zento | $25.00 | $25.00 | 1/16/2010 7:52:56 PM |
| penny-surgeon | $25.00 | $25.00 | 1/16/2010 7:35:22 PM |
| RainyDayFunds | $25.00 | $25.00 | 1/16/2010 10:32:40 PM |
| Aberdeen | $300.00 | $300.00 | 1/16/2010 7:35:26 PM |
| Kash2010lu | $25.00 | $25.00 | 1/16/2010 10:58:58 PM |
| vine99 | $65.00 | $65.00 | 1/17/2010 11:15:23 AM |
| squarebob | $25.00 | $25.00 | 1/17/2010 6:10:34 AM |
| circustab | $50.00 | $50.00 | 1/18/2010 5:47:02 AM |
| dudebrah | $26.00 | $26.00 | 1/18/2010 11:09:49 AM |
| boo_hoo | $50.00 | $50.00 | 1/18/2010 5:45:16 PM |
| vine99 | $35.00 | $35.00 | 1/18/2010 9:05:42 PM |
| credit-missile | $100.00 | $100.00 | 1/19/2010 7:45:41 AM |
| squarebob | $25.00 | $25.00 | 1/19/2010 9:24:54 AM |
| HenlopenCapital | $25.00 | $25.00 | 1/19/2010 9:31:07 AM |
| credit-coach118 | $45.00 | $45.00 | 1/19/2010 8:45:07 AM |
| DasMula | $100.00 | $100.00 | 1/19/2010 11:01:51 AM |
| lepolgr | $50.00 | $50.00 | 1/19/2010 11:46:25 AM |
| FinanceEngine | $40.00 | $40.00 | 1/19/2010 11:54:33 AM |
| PXM-Financial | $50.00 | $50.00 | 1/19/2010 1:27:02 PM |
| Miklot | $100.00 | $100.00 | 1/19/2010 1:32:37 PM |
| boomer61 | $25.00 | $25.00 | 1/19/2010 4:06:08 PM |
| reflective-rupee | $100.00 | $100.00 | 1/19/2010 4:15:15 PM |
| credit-missile | $50.00 | $50.00 | 1/19/2010 2:15:36 PM |
| TackingWindward | $25.00 | $25.00 | 1/19/2010 4:18:49 PM |
| Astyanax | $25.00 | $25.00 | 1/19/2010 2:20:29 PM |
| Your_Bank | $50.00 | $50.00 | 1/19/2010 2:28:05 PM |
| Your_Bank | $25.00 | $25.00 | 1/19/2010 2:29:42 PM |
| CoffeyvilleKS | $25.00 | $25.00 | 1/19/2010 4:16:12 PM |
| RecoveryLender | $25.00 | $25.00 | 1/19/2010 4:17:03 PM |
| quest0 | $25.00 | $25.00 | 1/19/2010 3:31:39 PM |
| exchange-cowbell5 | $50.00 | $50.00 | 1/19/2010 4:12:41 PM |
| credit-sasquatch3 | $25.00 | $25.00 | 1/19/2010 4:14:06 PM |
| 78 bids
|
Borrower Payment Dependent Notes Series
442410
This series of Notes was issued and sold upon the funding of the borrower loan #40547, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,900.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Jan-13-2010 |
| |
Auction end date:
| Jan-20-2010 |
|
|
Starting lender yield:
| 17.98% |
Starting borrower rate/APR:
| 18.98% / 21.20% |
Starting monthly payment:
| $69.63 |
|
Final lender yield:
| 17.98% |
Final borrower rate/APR:
| 18.98% / 21.20% |
Final monthly payment:
| $69.63 |
| |
|
Auction yield range:
| 8.06% - 17.98% |
Estimated loss impact:
| 6.92% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.06% | | |
<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:
| 52% |
|
Credit score:
| 660-679 (Jan-2010) |
Current / open credit lines:
| 12
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 6y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $39,790 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 83% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Paying-off-my-cards |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a high interest credit card
Purpose of loan:
I will pay off a high interest credit card with this lower interest loan.? The?interest rate?was raised absurdly higher, even though I have never been late with this card.
My financial situation:
I am a good candidate for this loan because I pay my bills.? I have never defaulted on a loan.? I have been?working hard to pay down my debt.?I am steadily lowering my overall interest rates, and applying the savings directly to paying off my principal balances faster.? I have been employed in the same professional position for six years and my earnings are steady.??
My monthly net income is $3600.? My total monthly?expenses and?payments?are $2650(this will be lowered another $40 by this loan).? I have been applying?my remaining monthly disposable income of approx. $950.00 to?savings and debt reduction.? Thank you for your bid!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Bob450 | $25.00 | $25.00 | 1/13/2010 8:54:44 PM |
| beachliving29 | $50.10 | $50.10 | 1/14/2010 7:59:58 PM |
| fallentimbers | $25.00 | $25.00 | 1/16/2010 6:42:17 AM |
| IPG1 | $25.00 | $25.00 | 1/16/2010 7:01:24 AM |
| respectful-integrity3 | $30.00 | $30.00 | 1/19/2010 7:43:23 AM |
| investment-comet | $25.00 | $25.00 | 1/19/2010 11:19:55 AM |
| Engineer44 | $25.00 | $25.00 | 1/19/2010 4:22:27 PM |
| carrinel | $26.00 | $26.00 | 1/19/2010 4:31:57 PM |
| The-CAPS-fan | $75.00 | $75.00 | 1/19/2010 4:31:31 PM |
| purposeful-dedication | $25.00 | $25.00 | 1/19/2010 7:24:15 PM |
| snm2001 | $25.00 | $25.00 | 1/19/2010 5:51:34 PM |
| jybank | $25.00 | $25.00 | 1/19/2010 11:42:37 PM |
| artist390 | $100.00 | $100.00 | 1/20/2010 6:54:14 AM |
| respectful-integrity3 | $30.00 | $30.00 | 1/20/2010 5:33:22 AM |
| Heliosky77 | $25.00 | $25.00 | 1/20/2010 10:53:58 AM |
| Footballmom10 | $25.00 | $25.00 | 1/20/2010 10:22:09 AM |
| coin-spilunker | $25.00 | $25.00 | 1/20/2010 1:35:08 PM |
| MrBadExample | $380.00 | $380.00 | 1/15/2010 6:05:31 PM |
| OldManP | $25.00 | $25.00 | 1/16/2010 6:50:38 PM |
| LAKETIME | $25.00 | $25.00 | 1/18/2010 2:13:52 PM |
| shellback13 | $25.00 | $25.00 | 1/18/2010 4:58:16 PM |
| shellback13 | $25.00 | $25.00 | 1/18/2010 4:47:08 PM |
| circustab | $50.00 | $50.00 | 1/19/2010 7:38:12 AM |
| klemer | $25.00 | $25.00 | 1/19/2010 9:33:21 AM |
| three-for-6 | $250.00 | $250.00 | 1/19/2010 4:08:18 PM |
| nomad54 | $25.00 | $25.00 | 1/19/2010 5:09:26 PM |
| papaloha | $25.00 | $25.00 | 1/19/2010 9:51:42 PM |
| invincible-gain | $42.42 | $42.42 | 1/19/2010 6:27:01 PM |
| Unitas4302 | $50.00 | $50.00 | 1/20/2010 4:48:11 AM |
| mspiggybank | $100.00 | $100.00 | 1/20/2010 5:06:44 AM |
| Bank_of_T | $35.00 | $35.00 | 1/20/2010 6:59:54 AM |
| TackingWindward | $25.00 | $25.00 | 1/20/2010 5:40:41 AM |
| pureliquidhw | $25.00 | $25.00 | 1/20/2010 6:17:03 AM |
| skaught | $25.00 | $25.00 | 1/20/2010 9:36:18 AM |
| ARainyDay | $50.00 | $50.00 | 1/20/2010 10:13:26 AM |
| Capit0l | $25.00 | $6.48 | 1/20/2010 1:23:24 PM |
| BigGuyBank | $25.00 | $25.00 | 1/20/2010 1:02:35 PM |
| wild-orange | $25.00 | $25.00 | 1/20/2010 11:30:24 AM |
| Leshan | $25.00 | $25.00 | 1/20/2010 11:35:23 AM |
| SkinnyFish | $25.00 | $25.00 | 1/20/2010 1:34:54 PM |
| 40 bids
|
Borrower Payment Dependent Notes Series
442420
This series of Notes was issued and sold upon the funding of the borrower loan #40543, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Jan-13-2010 |
| |
Auction end date:
| Jan-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 39.15% |
Final monthly payment:
| $45.24 |
| |
|
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:
| May-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Jan-2010) |
Current / open credit lines:
| 1
/
1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 5 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $0 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| lovinlife40 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 560-579
(Apr-2008)
|
|
Principal balance:
| $572.50 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
2nd Prosper Loan College Funds
Purpose of loan:
This loan will be used to? We won't be receiving our income tax money for a few months and need to pay for some college expenses for our son. We plan to pay this loan in full with our income tax. Our son is in his second semester of college and has not been able to find a job? yet. We are doing what we can to help him out.
My financial situation:
I am a good candidate for this loan because I have the backing of a supportive husband who makes the payments on our prosper loans. We?do not have that much cash on hand?because of the holidays and an unforseen broken?back windshield on our mini van. ?My husband?took out a prosper loan at?the beginning of our sons first semester, which got our family through his schooling until this point. We have never missed?a payment and hope you will consider us for this loan.??
Monthly net income: $ I currently do not have an income outside of what my husband makes, I do sell makeup and cleaners, but have not had the income level to report on taxes. I put the high interest rate because it is still way cheaper than taking out a payday loan bi weekly to help our son and we don't plan on having this loan for long. Thank you for your consideration and helping me get my credit worthiness again! Prosper has been such a heaven sent for my husband and I
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 47? (current prosper loan)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| toxicbutterfly | $25.00 | $25.00 | 1/13/2010 5:06:38 PM |
| Capit0l | $25.00 | $25.00 | 1/13/2010 8:09:35 PM |
| Bob450 | $25.00 | $25.00 | 1/13/2010 8:45:29 PM |
| JustMee | $25.00 | $25.00 | 1/13/2010 7:40:58 PM |
| victor111 | $25.00 | $25.00 | 1/14/2010 8:37:28 AM |
| bobd32 | $25.00 | $25.00 | 1/14/2010 2:16:34 PM |
| unger | $50.00 | $50.00 | 1/15/2010 3:17:49 AM |
| Aberdeen | $300.00 | $300.00 | 1/15/2010 2:18:37 PM |
| exchange-cowbell5 | $150.00 | $87.03 | 1/15/2010 2:18:10 PM |
| rancher7 | $25.00 | $25.00 | 1/15/2010 2:36:36 PM |
| riv701 | $25.00 | $25.00 | 1/14/2010 9:39:00 AM |
| chameleon125 | $50.00 | $50.00 | 1/14/2010 8:06:37 AM |
| fcb202 | $25.00 | $25.00 | 1/14/2010 1:34:47 PM |
| periko | $47.31 | $47.31 | 1/14/2010 10:34:54 PM |
| wyogirllender | $25.00 | $25.00 | 1/15/2010 7:41:53 AM |
| income-rocker2 | $47.42 | $47.42 | 1/15/2010 2:03:28 PM |
| hoss359 | $168.24 | $168.24 | 1/15/2010 4:41:33 PM |
| 17 bids
|
Borrower Payment Dependent Notes Series
442556
This series of Notes was issued and sold upon the funding of the borrower loan #40566, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% |
Auction start date:
| Jan-14-2010 |
| |
Auction end date:
| Jan-21-2010 |
|
|
Starting lender yield:
| 30.00% |
Starting borrower rate/APR:
| 31.00% / 33.39% |
Starting monthly payment:
| $322.51 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 33.39% |
Final monthly payment:
| $322.51 |
| |
|
Auction yield range:
| 17.06% - 30.00% |
Estimated loss impact:
| 26.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.24% | | |
<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:
| 3 |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 600-619 (Jan-2010) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 14 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,631 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| NicOCjoe |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $4,975.00 | < mo. late:
| 0
( 0% )
| 620-639
(Dec-2009)
600-619
(Sep-2009)
600-619
(Feb-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Revolving Accounts Pay-Off!
Thank you fellow investors.
I have decided to re-list to better answer ALL your questions so you can bid with confidence!
I assure you. The loan will be repaid, and on-time. Please consider lowering the interest rate. I find great assistance, you reap the benefits!
Purpose of loan:
For the Complete Pay-off of Revolving credit balance and non-use (as opposed to closure) of 4 credit card accounts ~ See Above Credit Profile.
Job Title & Description:
Controller / Sr. Accountant
Private Commercial Real Estate Investment Fund (10-yr LLC)
$4,600.00/Gross ~ $3,500.00/Net Income
$1,900.00 Monthly Expenses
$1,000.00 Housing: Studio Apartment at http://www.FlamingoSouthBeach.com/
$15.00 Life Insurance
$25.00 Utilities: Electricity Only, A/C, Water, Trash included
$0.00 Car Expenses: Live at 15th St and Bay Road, 4 Blocks from Work: Lincoln Road and Alton Road, Miami Beach, FL 33139
$55.00 Cell Phone
$400.00 Food Groceries
$50.00 David Barton Gym On-Site
$130.00 Credit Card 1: CITI
$119.00 Credit Card 2: CITI
$ 76.00 Credit Card 3: Chase
$ 30.00 Credit Card 4: Discover
PREVIOUS PROSPER LOAN & CREDIT PROFILE ~ Then and Now
Credit Score 600-619 (Feb-2008) to 620-639 (Dec-2009) and now back to 600-619 (Jan-2010) ~ Prosper has continued to pull my credit report
Credit Grade: D to HR~See Below
Revolving Credit Balance: $9,481 to $7,631 ~ DECREASE
Bankcard Utilization:65% to 98%^ ~ See Below
Prosper Loan: $4,975.00 @ 22.22% ~PAID OFF IN 12 Timely Payments!!
$7,500 Start Bid @ 31% and Expect to Pay Off in <30 months!.
~ WHY A DECREASE in Credit Grade if score Increased?
My Current Experian PLUS Score is 702! (Unfortunately, Prosper doesn't purchase PLUS Scores)
Please Don't judge me as a Sub-Prime High Risk Borrower; I have NO DEFAULTS, NO INQUIRIES, NO PUBLIC RECORDS)
^ Due to CITI and Chase Bank Difficulties,
They have all decreased my Credit Limits to $100 Over Balances which is why I am hoping to PAY OFF with this Prosper Loan.
They have affected everyone's credit score because of this.
Other Facts: Study Abroad Accomplished after the departure of working for the Los Angeles Unified School District,
and prior to accepting the Job, Relocation Package and Sign-On Bonuses of present company in Miami Beach, Florida.
Paid-Off Two High Interest Cards Accomplished and repaid my prosper loan in 12 months.
Past and Future Prosper Investor.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| sturdy-peace9 | $50.00 | $50.00 | 1/20/2010 9:15:27 AM |
| reflective-rupee | $100.00 | $100.00 | 1/14/2010 7:18:49 PM |
| DenimCapital | $50.00 | $50.00 | 1/14/2010 8:40:16 PM |
| JGuide | $101.00 | $101.00 | 1/14/2010 10:23:54 PM |
| exchange-cowbell5 | $100.00 | $100.00 | 1/15/2010 2:27:41 PM |
| Capit0l | $25.00 | $25.00 | 1/15/2010 7:47:10 PM |
| SolarMoonshine | $200.00 | $200.00 | 1/15/2010 5:09:00 PM |
| reflective-rupee | $100.00 | $100.00 | 1/16/2010 7:20:58 PM |
| reflective-rupee | $100.00 | $100.00 | 1/16/2010 7:21:31 PM |
| reflective-rupee | $100.00 | $100.00 | 1/16/2010 7:21:10 PM |
| squarebob | $25.00 | $25.00 | 1/17/2010 5:56:38 AM |
| reflective-rupee | $600.00 | $600.00 | 1/18/2010 10:08:05 AM |
| lender12345 | $25.00 | $25.00 | 1/18/2010 8:20:46 PM |
| five-star-note | $100.00 | $100.00 | 1/19/2010 11:28:14 AM |
| well-mannered-income3 | $25.00 | $25.00 | 1/19/2010 4:46:56 PM |
| unger | $100.00 | $100.00 | 1/19/2010 4:32:43 PM |
| mmeyer_jr | $25.00 | $25.00 | 1/19/2010 7:56:54 PM |
| best-generosity-financier | $25.00 | $25.00 | 1/19/2010 7:45:34 PM |
| SaintMatthew | $25.00 | $25.00 | 1/19/2010 8:28:40 PM |
| asset-control2 | $25.00 | $25.00 | 1/20/2010 7:10:36 AM |
| OrdiNance | $25.33 | $25.33 | 1/20/2010 12:21:33 PM |
| Ray3486 | $25.00 | $25.00 | 1/20/2010 6:20:06 PM |
| Kash2010lu | $25.00 | $25.00 | 1/20/2010 7:41:38 PM |
| supreme-hope | $25.00 | $25.00 | 1/20/2010 6:06:56 PM |
| _SCI_ | $25.00 | $25.00 | 1/21/2010 6:12:17 AM |
| credit-missile | $50.00 | $50.00 | 1/21/2010 7:55:13 AM |
| DasMula | $250.00 | $250.00 | 1/21/2010 10:00:00 AM |
| Leshan | $100.00 | $100.00 | 1/21/2010 1:02:02 PM |
| 113121 | $150.00 | $150.00 | 1/21/2010 1:02:15 PM |
| reflective-rupee | $400.00 | $400.00 | 1/21/2010 1:35:14 PM |
| LAKETIME | $25.00 | $25.00 | 1/21/2010 1:24:47 PM |
| reflective-rupee | $100.00 | $100.00 | 1/21/2010 1:35:44 PM |
| credit-missile | $50.00 | $50.00 | 1/21/2010 1:52:34 PM |
| reflective-rupee | $1,050.00 | $1,050.00 | 1/21/2010 2:52:59 PM |
| reflective-rupee | $500.00 | $189.74 | 1/21/2010 2:54:39 PM |
| reflective-rupee | $100.00 | $100.00 | 1/21/2010 2:54:13 PM |
| exchange-cowbell5 | $100.00 | $100.00 | 1/21/2010 4:00:57 PM |
| quest0 | $25.00 | $25.00 | 1/21/2010 3:28:57 PM |
| JGuide | $51.00 | $51.00 | 1/14/2010 10:15:47 PM |
| reflective-rupee | $1,400.00 | $1,400.00 | 1/14/2010 10:59:35 PM |
| reflective-rupee | $100.00 | $100.00 | 1/16/2010 7:21:44 PM |
| thomas16882004 | $100.00 | $100.00 | 1/16/2010 10:23:34 PM |
| tigercat | $50.00 | $50.00 | 1/18/2010 5:51:26 AM |
| RetirementMoney | $50.00 | $50.00 | 1/17/2010 11:28:51 PM |
| DasMula | $100.00 | $100.00 | 1/18/2010 5:25:21 PM |
| brondero | $75.00 | $75.00 | 1/19/2010 10:24:03 AM |
| Tono | $25.00 | $25.00 | 1/19/2010 4:39:52 PM |
| a-silver-booster | $50.00 | $50.00 | 1/19/2010 5:51:09 PM |
| lender12345 | $25.00 | $25.00 | 1/19/2010 7:19:08 PM |
| credit-missile | $100.00 | $100.00 | 1/20/2010 12:36:19 AM |
| hopheadmike | $32.00 | $32.00 | 1/20/2010 10:29:06 AM |
| asset-control2 | $50.00 | $50.00 | 1/20/2010 7:10:24 AM |
| well-mannered-income3 | $30.00 | $30.00 | 1/20/2010 10:49:40 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 1/20/2010 5:36:50 PM |
| funimuni | $25.00 | $25.00 | 1/20/2010 6:37:51 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/20/2010 6:51:48 PM |
| 113121 | $25.00 | $25.00 | 1/21/2010 8:25:13 AM |
| DasMula | $220.43 | $220.43 | 1/21/2010 1:31:24 PM |
| murtaza | $150.00 | $150.00 | 1/21/2010 1:33:04 PM |
| loss-of-control | $25.00 | $25.00 | 1/21/2010 2:57:48 PM |
| squarebob | $25.00 | $25.00 | 1/21/2010 3:29:37 PM |
| cunning-bill | $25.00 | $25.00 | 1/21/2010 3:16:12 PM |
| squarebob | $25.00 | $25.00 | 1/21/2010 3:27:59 PM |
| RecoveryLender | $25.50 | $25.50 | 1/21/2010 3:52:58 PM |
| credit-missile | $50.00 | $50.00 | 1/21/2010 4:00:18 PM |
| 65 bids
|
Borrower Payment Dependent Notes Series
442570
This series of Notes was issued and sold upon the funding of the borrower loan #40549, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Jan-14-2010 |
| |
Auction end date:
| Jan-21-2010 |
|
|
Starting lender yield:
| 14.05% |
Starting borrower rate/APR:
| 15.05% / 17.22% |
Starting monthly payment:
| $260.17 |
|
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 17.17% |
Final monthly payment:
| $259.99 |
| |
|
Auction yield range:
| 6.06% - 14.05% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
<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:
| Sep-2001 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 760-779 (Jan-2010) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,776 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 25% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| wealth-mover646 |
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
Consolidate Loans
Purpose of loan:
This loan will be used to consolidate my student loans and credit card debt into one easy?payment.?
My financial situation:
I am a good candidate for this loan because I have a very stable job history and have never missed a payment. I plan to pay this back quickly.
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:
Last time i made a loan with you, you paid it off in the exact time you said i just wanted to say thank you and i plan on making another loan with you. I would recomend this borrower very highly. - realestate_andrew
A:
I appreciate you helping me and my family out. Thanks!
(Jan-14-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Aimvest | $25.00 | $25.00 | 1/14/2010 4:06:13 PM |
| time4aloan | $50.00 | $50.00 | 1/14/2010 4:07:26 PM |
| currency-oak | $25.00 | $25.00 | 1/14/2010 4:09:05 PM |
| TheoProf | $50.00 | $50.00 | 1/14/2010 4:09:46 PM |
| helpinghand75 | $25.00 | $25.00 | 1/14/2010 4:09:59 PM |
| best-deal-banker | $25.00 | $25.00 | 1/14/2010 4:07:21 PM |
| ambmba | $50.00 | $50.00 | 1/14/2010 4:08:16 PM |
| gallant-camaraderi | $25.00 | $25.00 | 1/14/2010 4:07:38 PM |
| community-broadcaster | $25.00 | $25.00 | 1/14/2010 4:08:00 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 1/14/2010 4:09:24 PM |
| Syzygy | $25.00 | $25.00 | 1/14/2010 4:08:37 PM |
| Artist_Blue | $25.00 | $25.00 | 1/14/2010 4:09:32 PM |
| Lilred7879 | $50.00 | $50.00 | 1/14/2010 4:09:01 PM |
| delicious-social132 | $25.00 | $25.00 | 1/14/2010 4:10:27 PM |
| red-undaunted-kindness | $100.00 | $100.00 | 1/14/2010 4:10:32 PM |
| Fiimg | $50.00 | $50.00 | 1/14/2010 4:11:42 PM |
| fcukciti | $25.00 | $25.00 | 1/14/2010 4:11:49 PM |
| spruce2 | $50.00 | $50.00 | 1/14/2010 4:10:56 PM |
| radiant-fund | $25.00 | $25.00 | 1/14/2010 4:12:16 PM |
| ocho | $25.00 | $25.00 | 1/14/2010 4:12:21 PM |
| best-phenomenal-treasure | $25.00 | $25.00 | 1/14/2010 4:13:15 PM |
| head | $25.00 | $25.00 | 1/14/2010 4:12:47 PM |
| Siafu | $25.00 | $25.00 | 1/14/2010 4:13:05 PM |
| tdswellington | $25.00 | $25.00 | 1/14/2010 4:32:24 PM |
| sparkmeister | $25.00 | $25.00 | 1/14/2010 4:45:08 PM |
| REBizGuy | $50.00 | $50.00 | 1/14/2010 4:58:19 PM |
| jybank | $25.00 | $25.00 | 1/14/2010 4:47:36 PM |
| orbiter614 | $45.74 | $45.74 | 1/14/2010 5:05:34 PM |
| Montgomery-Burns | $25.00 | $25.00 | 1/14/2010 5:20:58 PM |
| worth-victor6 | $25.00 | $25.00 | 1/14/2010 5:13:32 PM |
| coolgenner | $25.00 | $25.00 | 1/15/2010 6:35:44 AM |
| zento | $25.00 | $25.00 | 1/15/2010 11:22:45 AM |
| radiant-value | $25.00 | $25.00 | 1/15/2010 11:42:28 AM |
| Sol_Invictus | $25.00 | $25.00 | 1/15/2010 12:39:31 PM |
| GyJAV_BNCCo | $25.00 | $25.00 | 1/15/2010 1:19:47 PM |
| UncleSafety | $50.00 | $50.00 | 1/15/2010 1:38:01 PM |
| makosdJR02 | $40.49 | $40.49 | 1/15/2010 3:09:40 PM |
| 3am-preacher | $25.00 | $25.00 | 1/15/2010 4:35:57 PM |
| ok | $25.00 | $25.00 | 1/15/2010 4:36:02 PM |
| blot44 | $25.00 | $25.00 | 1/15/2010 7:04:09 PM |
| BaxterSandy | $50.00 | $50.00 | 1/17/2010 2:38:26 PM |
| SOP_Bank | $25.00 | $25.00 | 1/18/2010 11:52:58 AM |
| Hartfelt | $40.00 | $40.00 | 1/18/2010 4:32:10 PM |
| LibbyZ | $25.97 | $25.97 | 1/18/2010 4:32:53 PM |
| MM1207 | $25.00 | $25.00 | 1/18/2010 5:32:44 PM |
| one-midas | $25.00 | $25.00 | 1/18/2010 5:56:06 PM |
| longisland47m | $25.00 | $25.00 | 1/18/2010 6:20:54 PM |
| yield-hero4 | $100.00 | $100.00 | 1/19/2010 7:08:09 AM |
| Kenosplit | $105.11 | $105.11 | 1/19/2010 7:28:53 AM |
| bamboozled_again | $250.00 | $250.00 | 1/19/2010 7:38:05 AM |
| financewiz | $25.00 | $25.00 | 1/19/2010 8:14:58 AM |
| bonus-adventure3 | $25.00 | $25.00 | 1/19/2010 9:55:46 AM |
| mjcareful | $50.00 | $50.00 | 1/19/2010 4:49:48 PM |
| wise-balanced-moola | $25.00 | $25.00 | 1/19/2010 7:24:33 PM |
| whiterabbit1874 | $50.00 | $50.00 | 1/19/2010 11:34:43 PM |
| Delta-Kilo-7K | $50.00 | $50.00 | 1/20/2010 3:25:20 AM |
| edsmoney | $100.00 | $100.00 | 1/20/2010 4:46:35 AM |
| Zagit | $37.80 | $37.80 | 1/20/2010 7:21:50 AM |
| FOFagent1 | $125.00 | $125.00 | 1/20/2010 12:52:39 PM |
| TheSpottedFlamingo | $25.00 | $25.00 | 1/20/2010 1:46:55 PM |
| rockhound84 | $25.00 | $25.00 | 1/20/2010 1:25:56 PM |
| toxicbutterfly | $25.00 | $25.00 | 1/20/2010 4:23:19 PM |
| ttnk62918 | $25.00 | $25.00 | 1/20/2010 4:47:49 PM |
| favorite-commerce | $25.00 | $25.00 | 1/20/2010 6:57:42 PM |
| Higheagle | $32.26 | $32.26 | 1/20/2010 7:02:25 PM |
| Your_Bank | $25.00 | $25.00 | 1/20/2010 6:40:32 PM |
| BuzzyBee336 | $25.00 | $25.00 | 1/20/2010 10:32:56 PM |
| heather26 | $30.00 | $30.00 | 1/21/2010 5:10:23 AM |
| VBPlayer | $30.00 | $30.00 | 1/21/2010 6:25:19 AM |
| asset-electron1 | $25.00 | $25.00 | 1/21/2010 10:32:55 AM |
| bsh297 | $25.00 | $25.00 | 1/21/2010 10:48:03 AM |
| rockhound84 | $25.00 | $25.00 | 1/21/2010 11:47:15 AM |
| jtc26 | $100.00 | $100.00 | 1/21/2010 11:27:58 AM |
| miniloan | $25.00 | $25.00 | 1/21/2010 11:34:44 AM |
| Leshan | $25.00 | $25.00 | 1/21/2010 1:02:43 PM |
| merciful-yield | $45.05 | $45.05 | 1/21/2010 1:29:44 PM |
| orbital-gain | $25.00 | $25.00 | 1/21/2010 2:28:58 PM |
| loss-of-control | $25.00 | $25.00 | 1/21/2010 3:25:26 PM |
| bass | $25.00 | $25.00 | 1/21/2010 3:12:00 PM |
| steady-dime | $120.54 | $120.54 | 1/21/2010 3:24:31 PM |
| smart-gold | $25.00 | $25.00 | 1/21/2010 3:43:01 PM |
| The-CAPS-fan | $25.00 | $25.00 | 1/21/2010 3:55:06 PM |
| ezhik00 | $25.00 | $25.00 | 1/21/2010 3:42:39 PM |
| CAGE-Investments | $100.00 | $100.00 | 1/14/2010 4:07:16 PM |
| rooosta | $25.00 | $25.00 | 1/14/2010 4:07:47 PM |
| littlemonkey | $25.00 | $25.00 | 1/14/2010 4:06:35 PM |
| heng2x | $25.00 | $25.00 | 1/14/2010 4:10:04 PM |
| repayment-launcher | $25.00 | $25.00 | 1/14/2010 4:07:01 PM |
| fortytwo | $75.94 | $75.94 | 1/14/2010 4:07:10 PM |
| money-maniac | $50.00 | $50.00 | 1/14/2010 4:07:34 PM |
| supreme-hope | $25.00 | $25.00 | 1/14/2010 4:11:05 PM |
| asset-equilibrium0 | $25.00 | $25.00 | 1/14/2010 4:07:53 PM |
| Rob717171 | $25.00 | $25.00 | 1/14/2010 4:11:30 PM |
| djh47a | $30.00 | $30.00 | 1/14/2010 4:12:01 PM |
| emelia | $25.00 | $25.00 | 1/14/2010 4:07:41 PM |
| diplomatic-point4 | $100.00 | $100.00 | 1/14/2010 4:08:43 PM |
| kmr2 | $50.00 | $50.00 | 1/14/2010 4:12:52 PM |
| forthright-dedication | $50.00 | $50.00 | 1/14/2010 4:12:58 PM |
| friendly-market5 | $25.00 | $25.00 | 1/14/2010 4:08:09 PM |
| jdrez | $25.00 | $25.00 | 1/14/2010 4:09:13 PM |
| thevogelfamily | $40.00 | $40.00 | 1/14/2010 4:08:23 PM |
| boater01 | $41.44 | $41.44 | 1/14/2010 4:13:22 PM |
| Josta | $50.00 | $50.00 | 1/14/2010 4:13:33 PM |
| jbaum | $25.00 | $25.00 | 1/14/2010 4:14:04 PM |
| PRGuyinVA | $25.00 | $25.00 | 1/14/2010 4:10:11 PM |
| Avala | $50.00 | $50.00 | 1/14/2010 4:09:19 PM |
| market-builder | $25.00 | $25.00 | 1/14/2010 4:10:22 PM |
| gracej | $25.00 | $25.00 | 1/14/2010 4:09:39 PM |
| cognizant-rate732 | $25.00 | $25.00 | 1/14/2010 4:10:50 PM |
| top-commitment-champ | $25.00 | $25.00 | 1/14/2010 4:10:36 PM |
| Speculator | $50.00 | $50.00 | 1/14/2010 4:11:19 PM |
| OCedHrt | $25.00 | $25.00 | 1/14/2010 4:10:43 PM |
| vkorichkov | $30.00 | $30.00 | 1/14/2010 4:11:11 PM |
| kegs | $100.00 | $100.00 | 1/14/2010 4:12:31 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/14/2010 4:12:08 PM |
| foxy-fund | $50.00 | $50.00 | 1/14/2010 4:12:38 PM |
| srilm | $25.00 | $11.99 | 1/14/2010 4:14:11 PM |
| LiquidLender | $25.00 | $25.00 | 1/14/2010 4:13:49 PM |
| ghinga | $50.00 | $50.00 | 1/14/2010 4:13:57 PM |
| aurorafinancial | $50.00 | $50.00 | 1/14/2010 4:21:31 PM |
| Kelor99 | $25.00 | $25.00 | 1/14/2010 4:32:23 PM |
| selector568 | $300.00 | $300.00 | 1/14/2010 4:33:50 PM |
| rdrloan | $25.00 | $25.00 | 1/14/2010 4:46:37 PM |
| alaskakid | $26.00 | $26.00 | 1/14/2010 5:04:15 PM |
| minista | $25.00 | $25.00 | 1/14/2010 5:12:47 PM |
| True-Patriot | $25.00 | $25.00 | 1/14/2010 7:25:10 PM |
| blot44 | $25.00 | $25.00 | 1/14/2010 8:41:23 PM |
| isuperwang | $100.00 | $100.00 | 1/15/2010 2:52:40 AM |
| killdare | $25.00 | $25.00 | 1/15/2010 8:57:50 AM |
| Tingali | $25.00 | $25.00 | 1/15/2010 6:52:59 AM |
| FinanceEngine | $30.00 | $30.00 | 1/15/2010 10:26:57 AM |
| tender-ore | $25.00 | $25.00 | 1/15/2010 2:24:43 PM |
| impartial-deal | $25.00 | $25.00 | 1/15/2010 4:47:10 PM |
| dime-neutron | $25.00 | $25.00 | 1/15/2010 4:49:14 PM |
| cognizant-rate732 | $100.00 | $100.00 | 1/17/2010 10:27:12 AM |
| exchange-cowbell5 | $100.00 | $100.00 | 1/17/2010 2:06:27 PM |
| adir1 | $25.00 | $25.00 | 1/17/2010 9:09:47 PM |
| charb57 | $95.00 | $95.00 | 1/18/2010 8:21:10 AM |
| EJO | $25.00 | $25.00 | 1/18/2010 9:05:09 AM |
| marala4285 | $25.00 | $25.00 | 1/18/2010 6:01:57 AM |
| jetblack | $50.00 | $50.00 | 1/18/2010 4:47:28 PM |
| gogrannygo | $25.00 | $25.00 | 1/18/2010 6:23:47 PM |
| ritwik | $50.00 | $50.00 | 1/18/2010 5:55:28 PM |
| HappyToLoan | $25.00 | $25.00 | 1/18/2010 6:37:19 PM |
| dime-beeper | $25.00 | $25.00 | 1/18/2010 7:14:49 PM |
| slick8812 | $25.00 | $25.00 | 1/19/2010 6:26:05 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 1/19/2010 4:11:16 PM |
| LoveLife45 | $25.00 | $25.00 | 1/19/2010 5:02:08 PM |
| aspire2grow | $25.00 | $25.00 | 1/19/2010 5:28:28 PM |
| GOPHERBOY | $50.00 | $50.00 | 1/19/2010 5:45:52 PM |
| wwwUniversal | $25.00 | $25.00 | 1/19/2010 7:18:49 PM |
| Frugal | $25.00 | $25.00 | 1/19/2010 8:56:31 PM |
| blue-heartpounding-silver | $25.00 | $25.00 | 1/19/2010 7:39:44 PM |
| CashBank | $25.00 | $25.00 | 1/20/2010 8:56:23 AM |
| rmpedi33 | $50.00 | $50.00 | 1/20/2010 11:25:14 AM |
| benefit-flow | $100.00 | $100.00 | 1/20/2010 12:19:03 PM |
| market-jam | $100.00 | $100.00 | 1/20/2010 11:05:03 AM |
| RISK-VERSUS-RETURN | $25.00 | $25.00 | 1/20/2010 12:36:32 PM |
| gilbrear | $25.00 | $25.00 | 1/20/2010 4:04:54 PM |
| ethicalhumanist | $25.00 | $25.00 | 1/20/2010 4:09:01 PM |
| JerryB96 | $25.00 | $25.00 | 1/20/2010 5:41:15 PM |
| purposeful-dedication | $25.00 | $25.00 | 1/20/2010 6:41:00 PM |
| serene-capital | $25.00 | $25.00 | 1/20/2010 8:30:27 PM |
| bankojerry | $25.00 | $25.00 | 1/20/2010 7:11:25 PM |
| StanTheMan | $26.48 | $26.48 | 1/20/2010 8:39:43 PM |
| Chillito | $35.14 | $35.14 | 1/21/2010 12:56:10 AM |
| exchange-jet | $25.00 | $25.00 | 1/21/2010 1:34:59 AM |
| etienne21 | $70.00 | $70.00 | 1/21/2010 2:11:54 AM |
| Pickmar | $25.00 | $25.00 | 1/21/2010 5:35:03 AM |
| JustMee | $25.00 | $25.00 | 1/21/2010 5:58:17 AM |
| TJRCapital | $35.00 | $35.00 | 1/21/2010 6:12:00 AM |
| HQLender06851 | $48.00 | $48.00 | 1/21/2010 8:41:46 AM |
| hebjet | $25.00 | $25.00 | 1/21/2010 9:33:24 AM |
| fabeasy | $25.00 | $25.00 | 1/21/2010 10:16:27 AM |
| lakefront5 | $45.00 | $45.00 | 1/21/2010 10:22:34 AM |
| InvestForWealth | $28.90 | $28.90 | 1/21/2010 11:11:12 AM |
| IceFisherman | $27.46 | $27.46 | 1/21/2010 11:17:19 AM |
| nickel-ranch | $25.00 | $25.00 | 1/21/2010 11:12:33 AM |
| crw1950 | $50.00 | $50.00 | 1/21/2010 12:07:16 PM |
| agile | $25.00 | $25.00 | 1/21/2010 1:11:24 PM |
| Rollshaft | $30.29 | $30.29 | 1/21/2010 1:14:08 PM |
| nalaari | $60.40 | $60.40 | 1/21/2010 2:25:05 PM |
| rate-hickory | $25.00 | $25.00 | 1/21/2010 2:52:54 PM |
| credit-sasquatch3 | $25.00 | $25.00 | 1/21/2010 3:59:05 PM |
| Toony | $25.00 | $25.00 | 1/21/2010 3:37:05 PM |
| Loan_shark718 | $35.00 | $35.00 | 1/21/2010 3:51:41 PM |
| Havnfun | $25.00 | $25.00 | 1/21/2010 3:54:00 PM |
| 187 bids
|
Borrower Payment Dependent Notes Series
442668
This series of Notes was issued and sold upon the funding of the borrower loan #40559, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Jan-14-2010 |
| |
Auction end date:
| Jan-21-2010 |
|
|
Starting lender yield:
| 6.50% |
Starting borrower rate/APR:
| 7.50% / 7.84% |
Starting monthly payment:
| $186.64 |
|
Final lender yield:
| 6.45% |
Final borrower rate/APR:
| 7.45% / 7.79% |
Final monthly payment:
| $186.50 |
| |
|
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:
| Oct-1992 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 800-819 (Jan-2010) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 19y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,017 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 25% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| fund-advocator7 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| responsibility-butterfly | $25.00 | $25.00 | 1/14/2010 4:21:14 PM |
| oceanwind1950 | $25.00 | $25.00 | 1/14/2010 4:25:00 PM |
| msbutah | $25.00 | $25.00 | 1/14/2010 4:22:16 PM |
| Swabjockey | $25.00 | $25.00 | 1/14/2010 4:24:10 PM |
| first-pragmatic-note | $25.00 | $25.00 | 1/14/2010 4:31:35 PM |
| kenji4861 | $25.00 | $25.00 | 1/14/2010 4:32:01 PM |
| neenerman | $75.00 | $75.00 | 1/14/2010 4:32:07 PM |
| conductor146 | $25.00 | $25.00 | 1/14/2010 4:27:45 PM |
| noble-vigilance9 | $25.00 | $25.00 | 1/14/2010 4:27:09 PM |
| the-precious-bid | $25.00 | $25.00 | 1/14/2010 4:28:03 PM |
| equallender | $25.00 | $25.00 | 1/14/2010 4:28:19 PM |
| autonomous-basis | $25.00 | $25.00 | 1/14/2010 4:28:19 PM |
| lean-velocity | $25.00 | $25.00 | 1/14/2010 4:32:15 PM |
| figs4u2 | $80.00 | $80.00 | 1/14/2010 4:41:32 PM |
| elasermd | $50.00 | $50.00 | 1/14/2010 4:39:25 PM |
| friendly-market5 | $25.00 | $25.00 | 1/14/2010 4:39:35 PM |
| unk1911 | $25.00 | $25.00 | 1/14/2010 4:39:39 PM |
| meenan | $25.00 | $25.00 | 1/14/2010 4:39:55 PM |
| schpere | $30.00 | $30.00 | 1/14/2010 4:43:18 PM |
| majestic-dedication | $50.00 | $50.00 | 1/14/2010 4:40:02 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/14/2010 4:43:31 PM |
| first-upright-payout | $50.00 | $50.00 | 1/14/2010 4:40:35 PM |
| supreme-hope | $25.00 | $25.00 | 1/14/2010 4:44:02 PM |
| kulender | $30.00 | $30.00 | 1/14/2010 4:41:13 PM |
| Gibbyland | $100.00 | $100.00 | 1/14/2010 4:41:25 PM |
| bchen78875 | $50.00 | $50.00 | 1/14/2010 4:41:49 PM |
| mikeandcat | $100.00 | $100.00 | 1/14/2010 4:42:32 PM |
| bill-expert | $25.00 | $25.00 | 1/14/2010 4:45:42 PM |
| toblerone | $50.00 | $50.00 | 1/14/2010 4:42:58 PM |
| wampum-optimization | $50.00 | $50.00 | 1/14/2010 4:43:03 PM |
| ijspence | $25.00 | $25.00 | 1/14/2010 4:46:06 PM |
| Goodlender42 | $25.00 | $25.00 | 1/14/2010 4:43:16 PM |
| alpinaut | $25.00 | $25.00 | 1/14/2010 4:46:26 PM |
| Cai8899 | $75.00 | $75.00 | 1/14/2010 4:43:27 PM |
| CorMDNY | $25.00 | $25.00 | 1/14/2010 4:46:43 PM |
| nuclearmoose | $25.00 | $25.00 | 1/14/2010 4:44:22 PM |
| OCedHrt | $25.00 | $25.00 | 1/14/2010 4:43:43 PM |
| Speculator | $50.00 | $50.00 | 1/14/2010 4:47:19 PM |
| green-benefit-enclave | $25.00 | $25.00 | 1/14/2010 4:44:33 PM |
| kmr2 | $60.00 | $60.00 | 1/14/2010 4:47:32 PM |
| mlopez2007 | $50.00 | $50.00 | 1/14/2010 4:44:58 PM |
| heroic-platinum | $25.00 | $25.00 | 1/14/2010 4:45:24 PM |
| DadWarbucks | $25.00 | $25.00 | 1/14/2010 4:48:24 PM |
| klinebarger | $25.00 | $25.00 | 1/14/2010 4:48:50 PM |
| Havana21 | $50.00 | $50.00 | 1/14/2010 4:46:16 PM |
| financelover | $50.00 | $50.00 | 1/14/2010 4:45:48 PM |
| promiser200 | $25.00 | $25.00 | 1/14/2010 4:45:52 PM |
| diplomatic-point4 | $75.00 | $75.00 | 1/14/2010 4:46:03 PM |
| highcountry1 | $25.00 | $25.00 | 1/14/2010 4:47:09 PM |
| microlendblvr | $100.00 | $100.00 | 1/14/2010 4:46:39 PM |
| aasx1108 | $25.00 | $25.00 | 1/14/2010 4:47:16 PM |
| Int_PrinRateTime4000 | $40.00 | $40.00 | 1/14/2010 4:59:19 PM |
| Cheburashka | $30.00 | $30.00 | 1/14/2010 4:48:25 PM |
| red-trade-cologne | $25.00 | $25.00 | 1/14/2010 4:48:38 PM |
| jsw7us | $50.00 | $50.00 | 1/14/2010 4:48:44 PM |
| USMC0311 | $25.00 | $25.00 | 1/14/2010 4:48:48 PM |
| market-assembler | $35.43 | $35.43 | 1/14/2010 5:13:50 PM |
| selector568 | $400.00 | $400.00 | 1/14/2010 5:14:22 PM |
| Frugal | $25.00 | $25.00 | 1/14/2010 5:51:07 PM |
| lucrative-worth | $25.00 | $25.00 | 1/14/2010 5:12:41 PM |
| the-bright-velocity | $25.00 | $25.00 | 1/14/2010 5:12:57 PM |
| systemlender | $25.00 | $25.00 | 1/14/2010 6:16:36 PM |
| cub510 | $25.00 | $25.00 | 1/14/2010 11:41:54 PM |
| pragmatic-contract | $25.00 | $25.00 | 1/15/2010 12:55:53 AM |
| fortytwo | $25.00 | $25.00 | 1/14/2010 7:25:41 PM |
| NR | $25.00 | $25.00 | 1/14/2010 7:41:39 PM |
| ramsumana | $25.00 | $25.00 | 1/15/2010 4:05:46 AM |
| grampy48 | $25.00 | $25.00 | 1/15/2010 5:51:42 AM |
| five-star-note | $35.00 | $35.00 | 1/15/2010 6:08:28 AM |
| cberthiaume | $25.00 | $25.00 | 1/15/2010 7:05:03 AM |
| skillful-diversification2 | $25.00 | $25.00 | 1/14/2010 10:02:09 PM |
| RG | $35.00 | $35.00 | 1/15/2010 12:31:00 AM |
| brightest-durability-chomper | $25.00 | $25.00 | 1/15/2010 6:40:13 AM |
| octoberfresh | $25.00 | $25.00 | 1/15/2010 6:48:41 AM |
| bsmtloan | $50.00 | $25.32 | 1/15/2010 8:35:06 AM |
| worth-victor6 | $25.00 | $25.00 | 1/15/2010 4:49:20 PM |
| surfsider123 | $25.00 | $25.00 | 1/16/2010 8:47:26 PM |
| Lender0307 | $25.00 | $25.00 | 1/19/2010 8:02:48 PM |
| bkb7484 | $25.00 | $25.00 | 1/20/2010 2:51:55 AM |
| GEOFFS3 | $25.00 | $25.00 | 1/21/2010 6:35:28 AM |
| TJRCapital | $25.00 | $25.00 | 1/21/2010 6:40:56 AM |
| cwegert | $150.00 | $150.00 | 1/21/2010 1:21:46 PM |
| kf88 | $30.00 | $30.00 | 1/21/2010 1:06:44 PM |
| Charmart | $25.00 | $25.00 | 1/21/2010 2:50:49 PM |
| jtc26 | $54.64 | $54.64 | 1/21/2010 4:05:32 PM |
| unclejaef | $25.00 | $25.00 | 1/14/2010 4:27:58 PM |
| sb0453 | $25.00 | $25.00 | 1/14/2010 4:28:02 PM |
| inventive-wealth2 | $25.00 | $25.00 | 1/14/2010 4:27:30 PM |
| circustab | $50.00 | $50.00 | 1/14/2010 4:28:03 PM |
| best-vivacious-funds | $25.00 | $25.00 | 1/14/2010 4:28:00 PM |
| Duchdad | $25.00 | $25.00 | 1/14/2010 4:28:18 PM |
| bigdogsafety1 | $25.00 | $25.00 | 1/14/2010 4:31:24 PM |
| lloyd_s | $25.00 | $25.00 | 1/14/2010 4:40:19 PM |
| gold-commander0 | $50.00 | $50.00 | 1/14/2010 4:40:41 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 1/14/2010 4:40:50 PM |
| credit-force5 | $25.00 | $25.00 | 1/14/2010 4:40:56 PM |
| leodaguy | $25.00 | $25.00 | 1/14/2010 4:42:08 PM |
| rjblack | $50.00 | $50.00 | 1/14/2010 4:39:13 PM |
| Kaj | $30.00 | $30.00 | 1/14/2010 4:42:34 PM |
| natmonkey | $25.00 | $25.00 | 1/14/2010 4:42:51 PM |
| buukyak | $25.00 | $25.00 | 1/14/2010 4:42:57 PM |
| jbaum | $100.00 | $100.00 | 1/14/2010 4:40:07 PM |
| 18th_beachbum | $50.00 | $50.00 | 1/14/2010 4:40:13 PM |
| elegant-income3 | $25.00 | $25.00 | 1/14/2010 4:43:32 PM |
| personal-lender | $25.00 | $25.00 | 1/14/2010 4:40:34 PM |
| delicious-social132 | $25.00 | $25.00 | 1/14/2010 4:43:48 PM |
| junctionking | $25.00 | $25.00 | 1/14/2010 4:40:47 PM |
| exciting-responsibility3 | $25.00 | $25.00 | 1/14/2010 4:41:06 PM |
| inspired-contract9 | $50.00 | $50.00 | 1/14/2010 4:41:51 PM |
| Katburg | $50.00 | $50.00 | 1/14/2010 4:41:55 PM |
| gulch | $35.00 | $35.00 | 1/14/2010 4:42:01 PM |
| Walkingcowboy | $25.00 | $25.00 | 1/14/2010 4:42:16 PM |
| AF-Chief | $35.00 | $35.00 | 1/14/2010 4:42:41 PM |
| industrious-dedication | $25.00 | $25.00 | 1/14/2010 4:45:37 PM |
| shamrocker | $25.00 | $25.00 | 1/14/2010 4:42:50 PM |
| Dutchhunter | $50.00 | $50.00 | 1/14/2010 4:45:59 PM |
| market-builder | $25.00 | $25.00 | 1/14/2010 4:43:36 PM |
| teller | $60.00 | $60.00 | 1/14/2010 4:43:17 PM |
| DukSerduk | $25.00 | $25.00 | 1/14/2010 4:46:23 PM |
| mmqc | $25.00 | $25.00 | 1/14/2010 4:44:26 PM |
| bowdish1 | $100.00 | $100.00 | 1/14/2010 4:43:52 PM |
| SNH | $50.00 | $50.00 | 1/14/2010 4:44:12 PM |
| faithey | $25.00 | $25.00 | 1/14/2010 4:44:44 PM |
| blooming-market | $25.00 | $25.00 | 1/14/2010 4:44:29 PM |
| dealarella | $25.00 | $25.00 | 1/14/2010 4:44:56 PM |
| Fearless_Lender | $25.00 | $25.00 | 1/14/2010 4:44:38 PM |
| AFairDeal | $25.00 | $25.00 | 1/14/2010 4:45:33 PM |
| durability-halibut | $25.00 | $25.00 | 1/14/2010 4:45:12 PM |
| AmericanCredit | $25.00 | $25.00 | 1/14/2010 4:46:10 PM |
| desertoasis | $25.00 | $25.00 | 1/14/2010 4:46:14 PM |
| OldFriend | $25.00 | $25.00 | 1/14/2010 4:45:49 PM |
| forthright-dedication | $25.00 | $25.00 | 1/14/2010 4:46:44 PM |
| gracej | $25.00 | $25.00 | 1/14/2010 4:46:57 PM |
| ryan23 | $25.00 | $25.00 | 1/14/2010 4:48:36 PM |
| 29Palms | $25.00 | $25.00 | 1/14/2010 4:47:12 PM |
| Picopie | $27.00 | $27.00 | 1/14/2010 4:48:49 PM |
| InvestorPartners | $25.00 | $25.00 | 1/14/2010 4:47:28 PM |
| Toby1montana | $46.49 | $46.49 | 1/14/2010 5:02:24 PM |
| Fortuno_per_commodo | $50.00 | $50.00 | 1/14/2010 4:58:35 PM |
| BMGlending | $25.00 | $25.00 | 1/14/2010 5:02:33 PM |
| tj1683 | $41.61 | $41.61 | 1/14/2010 4:59:18 PM |
| CO_Engineer | $26.78 | $26.78 | 1/14/2010 4:57:22 PM |
| laredotornado | $25.00 | $25.00 | 1/14/2010 5:13:52 PM |
| Pasagam | $25.00 | $25.00 | 1/14/2010 5:21:43 PM |
| financial-frenzy | $25.00 | $25.00 | 1/14/2010 6:02:07 PM |
| peerlender | $30.00 | $30.00 | 1/14/2010 7:50:41 PM |
| coolgenner | $25.00 | $25.00 | 1/15/2010 6:35:46 AM |
| thedoctor | $90.00 | $90.00 | 1/15/2010 7:06:11 AM |
| trent98375 | $25.00 | $25.00 | 1/15/2010 2:17:16 AM |
| larrybird | $42.73 | $42.73 | 1/15/2010 5:35:44 AM |
| junes08 | $50.00 | $50.00 | 1/15/2010 12:35:08 PM |
| GarciaCompany | $25.00 | $25.00 | 1/16/2010 8:22:00 PM |
| hellasow | $25.00 | $25.00 | 1/17/2010 4:48:58 AM |
| springpanda | $25.00 | $25.00 | 1/18/2010 11:32:12 PM |
| wwwUniversal | $25.00 | $25.00 | 1/19/2010 7:19:21 PM |
| wise-balanced-moola | $25.00 | $25.00 | 1/19/2010 7:25:20 PM |
| Banker3119 | $25.00 | $25.00 | 1/20/2010 6:55:33 AM |
| JerryB96 | $25.00 | $25.00 | 1/20/2010 5:41:45 PM |
| YummiBear | $25.00 | $25.00 | 1/20/2010 5:53:47 PM |
| springpanda | $25.00 | $25.00 | 1/20/2010 10:57:52 PM |
| fabeasy | $25.00 | $25.00 | 1/21/2010 9:57:31 AM |
| orbital-gain | $50.00 | $50.00 | 1/21/2010 2:33:26 PM |
| 162 bids
|
Borrower Payment Dependent Notes Series
442676
This series of Notes was issued and sold upon the funding of the borrower loan #40554, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,600.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Jan-15-2010 |
| |
Auction end date:
| Jan-22-2010 |
|
|
Starting lender yield:
| 7.40% |
Starting borrower rate/APR:
| 8.40% / 10.58% |
Starting monthly payment:
| $50.43 |
|
Final lender yield:
| 7.20% |
Final borrower rate/APR:
| 8.20% / 10.37% |
Final monthly payment:
| $50.29 |
| |
|
Auction yield range:
| 4.06% - 7.40% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.09% | | |
<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:
| Jun-1996 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 720-739 (Jan-2010) |
Current / open credit lines:
| 4
/
4 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 8y 10m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $17,262 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| panamajk |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $3,001.00 | < mo. late:
| 0
( 0% )
| 680-699
(Sep-2007)
|
|
Principal balance:
| $617.12 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Car Fix for Massage Therapy
Purpose of loan:
(explain what you will be using this loan for) My VW Beetle Clutch broke.?? I use this to drive for appointments around town, and need it repaired!? I kept the other template for reference since i am almost done paying for that lone (August this year)...only have about 600 left on it.? Although this is my second car, I dont use the other one only to go very long distances or to haul stuff from Home depot or Lorwes.???
The other Template was :? I am using this loan to furnish my massage therapy clinic
My financial situation: I have just enough income to?pay rent for a location for my business; ?etc, just need a little backing for essentials.? I have a little retirement from the Army $9,000 a year, then the past 6 years a part-time (which I intend to keep from 9am to 2pm that gives me an exra $17,000 a year).? I am figuring that with my massage therapy (which I recently am certified as), I can earn more. Just need a little push.
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ 1,700
Monthly expenses: $ 1,130.00
??Housing: $ 0 (family)
??Insurance: $ 118.00
??Car expenses: $ 250.00 (one car paid off and other car payment actually paying more towards debt amortization)
??Utilities: $ 0
??Phone, cable, internet: $ 120.00 (att-cell/ and dishnetwork)
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 400.00 (paying more than just minimum)
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Aberdeen | $300.00 | $300.00 | 1/15/2010 4:22:11 PM |
| tomjac2000 | $25.00 | $25.00 | 1/18/2010 8:58:31 AM |
| JCPlending | $25.00 | $25.00 | 1/18/2010 8:16:02 PM |
| Johnab | $50.00 | $50.00 | 1/20/2010 5:17:31 AM |
| b1geasy | $40.00 | $40.00 | 1/20/2010 7:18:12 AM |
| JerryB96 | $25.00 | $25.00 | 1/20/2010 5:42:48 PM |
| cwegert | $150.00 | $117.54 | 1/21/2010 1:31:45 PM |
| RandyL3 | $25.00 | $25.00 | 1/21/2010 4:59:13 PM |
| luminant | $25.00 | $25.00 | 1/21/2010 8:38:18 PM |
| Chef_boy | $25.00 | $25.00 | 1/21/2010 8:13:49 PM |
| cwegert | $51.48 | $51.48 | 1/22/2010 11:34:16 AM |
| cu2maro | $50.00 | $50.00 | 1/22/2010 11:48:02 AM |
| Champion_Lending | $25.00 | $25.00 | 1/22/2010 12:04:44 PM |
| plbquic | $25.00 | $25.00 | 1/22/2010 12:00:12 PM |
| suburbanman64 | $25.00 | $25.00 | 1/22/2010 1:35:45 PM |
| Oak-Parker | $25.00 | $25.00 | 1/22/2010 1:38:19 PM |
| bear01 | $30.00 | $30.00 | 1/22/2010 2:17:25 PM |
| kapitalx | $50.00 | $50.00 | 1/22/2010 3:18:20 PM |
| exchange-squirrel | $25.00 | $25.00 | 1/22/2010 3:53:24 PM |
| vine99 | $75.00 | $75.00 | 1/16/2010 5:46:27 PM |
| LittleMingo | $25.00 | $25.00 | 1/19/2010 10:23:38 AM |
| 4mydaughterseducation | $25.00 | $25.00 | 1/19/2010 6:45:54 PM |
| glazeddonuts | $30.98 | $30.98 | 1/20/2010 4:52:19 PM |
| springpanda | $25.00 | $25.00 | 1/20/2010 10:59:54 PM |
| sorace | $50.00 | $50.00 | 1/21/2010 11:19:19 AM |
| kf88 | $30.00 | $30.00 | 1/21/2010 1:08:01 PM |
| sirguyon | $100.00 | $100.00 | 1/21/2010 12:22:27 PM |
| BankofBadHabits | $25.00 | $25.00 | 1/21/2010 6:32:52 PM |
| wild-orange | $25.00 | $25.00 | 1/22/2010 1:04:06 AM |
| glenium | $25.00 | $25.00 | 1/22/2010 4:09:26 AM |
| prainvestment | $50.00 | $50.00 | 1/22/2010 7:35:49 AM |
| libraryfrenzy | $25.00 | $25.00 | 1/22/2010 9:50:22 AM |
| jybank | $25.00 | $25.00 | 1/22/2010 10:01:04 AM |
| nanaof7 | $25.00 | $25.00 | 1/22/2010 10:50:17 AM |
| fabeasy | $25.00 | $25.00 | 1/22/2010 11:44:13 AM |
| TJRCapital | $25.00 | $25.00 | 1/22/2010 1:43:03 PM |
| ScottFinance | $25.00 | $25.00 | 1/22/2010 3:20:11 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
443046
This series of Notes was issued and sold upon the funding of the borrower loan #40584, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Jan-19-2010 |
| |
Auction end date:
| Jan-22-2010 |
|
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 8.84% |
Starting monthly payment:
| $236.76 |
|
Final lender yield:
| 7.45% |
Final borrower rate/APR:
| 8.45% / 8.79% |
Final monthly payment:
| $236.58 |
| |
|
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:
| Mar-1998 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 800-819 (Jan-2010) |
Current / open credit lines:
| 12
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| rate-prodigy1 |
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
Wedding Loan
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| first-pragmatic-note | $25.00 | $25.00 | 1/19/2010 10:16:10 AM |
| turbospeed | $25.00 | $25.00 | 1/19/2010 10:15:29 AM |
| bigdogsafety1 | $25.00 | $25.00 | 1/19/2010 10:42:31 AM |
| selector568 | $400.00 | $400.00 | 1/19/2010 10:52:35 AM |
| majestic-dedication | $50.00 | $50.00 | 1/19/2010 11:27:46 AM |
| first-upright-payout | $50.00 | $50.00 | 1/19/2010 11:28:56 AM |
| figs4u2 | $80.00 | $80.00 | 1/19/2010 11:30:44 AM |
| friendly-market5 | $25.00 | $25.00 | 1/19/2010 11:26:56 AM |
| inspired-contract9 | $50.00 | $50.00 | 1/19/2010 11:31:17 AM |
| meenan | $25.00 | $25.00 | 1/19/2010 11:27:33 AM |
| mikeandcat | $100.00 | $100.00 | 1/19/2010 11:32:13 AM |
| gold-commander0 | $50.00 | $50.00 | 1/19/2010 11:29:09 AM |
| wampum-optimization | $50.00 | $50.00 | 1/19/2010 11:33:18 AM |
| exciting-responsibility3 | $25.00 | $25.00 | 1/19/2010 11:29:55 AM |
| Cai8899 | $75.00 | $75.00 | 1/19/2010 11:34:03 AM |
| kulender | $30.00 | $30.00 | 1/19/2010 11:30:06 AM |
| bowdish1 | $100.00 | $100.00 | 1/19/2010 11:35:06 AM |
| Walkingcowboy | $25.00 | $25.00 | 1/19/2010 11:31:58 AM |
| blooming-market | $25.00 | $25.00 | 1/19/2010 11:35:59 AM |
| buukyak | $25.00 | $25.00 | 1/19/2010 11:32:50 AM |
| toblerone | $50.00 | $50.00 | 1/19/2010 11:33:03 AM |
| heroic-platinum | $25.00 | $25.00 | 1/19/2010 11:37:34 AM |
| elegant-income3 | $25.00 | $25.00 | 1/19/2010 11:34:25 AM |
| OldFriend | $25.00 | $25.00 | 1/19/2010 11:38:57 AM |
| delicious-social132 | $25.00 | $25.00 | 1/19/2010 11:34:56 AM |
| Speculator | $50.00 | $50.00 | 1/19/2010 11:41:11 AM |
| industrious-dedication | $25.00 | $25.00 | 1/19/2010 11:38:06 AM |
| jsw7us | $50.00 | $50.00 | 1/19/2010 11:42:13 AM |
| promiser200 | $25.00 | $25.00 | 1/19/2010 11:39:05 AM |
| balance-voyager | $100.00 | $100.00 | 1/19/2010 11:44:27 AM |
| exchange-battalion | $30.00 | $30.00 | 1/19/2010 11:44:44 AM |
| gracej | $25.00 | $25.00 | 1/19/2010 11:40:42 AM |
| inventive-wealth2 | $25.00 | $25.00 | 1/19/2010 11:41:18 AM |
| verse99 | $25.00 | $25.00 | 1/19/2010 11:45:41 AM |
| rolandweary | $30.00 | $30.00 | 1/19/2010 11:46:07 AM |
| UT-Longhorn | $25.00 | $25.00 | 1/19/2010 11:46:48 AM |
| laredotornado | $25.00 | $25.00 | 1/19/2010 11:42:59 AM |
| msbutah | $25.00 | $25.00 | 1/19/2010 11:47:05 AM |
| Mr_Money | $25.00 | $25.00 | 1/19/2010 11:47:14 AM |
| aasx1108 | $25.00 | $25.00 | 1/19/2010 11:44:10 AM |
| honorable-yield | $75.00 | $75.00 | 1/19/2010 11:49:51 AM |
| dollar-birdie | $30.00 | $30.00 | 1/19/2010 11:45:13 AM |
| silverloan | $25.00 | $25.00 | 1/19/2010 11:47:25 AM |
| driver928 | $25.00 | $25.00 | 1/19/2010 11:56:29 AM |
| orange-finance-banker | $50.00 | $50.00 | 1/19/2010 11:51:44 AM |
| freefly67 | $25.00 | $25.00 | 1/19/2010 11:56:40 AM |
| kanakakm | $50.00 | $50.00 | 1/19/2010 11:53:18 AM |
| derek-from-berkeley | $25.00 | $25.00 | 1/19/2010 12:17:56 PM |
| highcountry1 | $25.00 | $25.00 | 1/19/2010 12:35:07 PM |
| forthright-dedication | $25.00 | $25.00 | 1/19/2010 12:45:47 PM |
| unclejaef | $25.00 | $25.00 | 1/19/2010 12:55:59 PM |
| Dutchhunter | $50.00 | $50.00 | 1/19/2010 12:35:01 PM |
| portfolio-zone801 | $25.00 | $25.00 | 1/19/2010 1:48:37 PM |
| SNH | $50.00 | $50.00 | 1/19/2010 2:39:48 PM |
| Gibbyland | $100.00 | $100.00 | 1/19/2010 5:12:42 PM |
| mmqc | $25.00 | $25.00 | 1/19/2010 5:13:57 PM |
| morpholog | $25.00 | $25.00 | 1/19/2010 5:23:35 PM |
| Avala | $25.00 | $25.00 | 1/19/2010 5:23:10 PM |
| fortytwo | $50.00 | $50.00 | 1/19/2010 7:25:31 PM |
| acropiloterau2002 | $25.00 | $25.00 | 1/19/2010 11:21:27 PM |
| BMP | $25.00 | $25.00 | 1/20/2010 6:45:04 AM |
| ClearLake | $25.00 | $25.00 | 1/20/2010 6:30:18 AM |
| neighborly-peso | $25.00 | $25.00 | 1/20/2010 9:42:51 AM |
| Sixmil | $25.00 | $25.00 | 1/20/2010 10:34:02 AM |
| ajk_blue | $25.00 | $25.00 | 1/20/2010 10:45:46 AM |
| outwish | $25.00 | $25.00 | 1/20/2010 11:49:37 AM |
| turbine5 | $40.00 | $40.00 | 1/20/2010 8:50:06 AM |
| hayhelp | $25.00 | $25.00 | 1/20/2010 10:34:28 AM |
| degster | $25.00 | $25.00 | 1/20/2010 12:31:55 PM |
| cash-queen | $50.00 | $50.00 | 1/20/2010 12:36:40 PM |
| TriSail | $25.00 | $25.00 | 1/20/2010 11:34:19 AM |
| TheColoradoDon | $25.00 | $25.00 | 1/20/2010 11:34:32 AM |
| gdbanks | $25.00 | $25.00 | 1/20/2010 11:49:26 AM |
| KiwiElf | $28.55 | $28.55 | 1/20/2010 10:34:19 AM |
| mjm77_1 | $25.00 | $25.00 | 1/20/2010 12:35:38 PM |
| sas19 | $25.00 | $25.00 | 1/20/2010 11:04:41 AM |
| Rob717171 | $25.00 | $25.00 | 1/20/2010 11:46:47 AM |
| dma1206 | $25.00 | $25.00 | 1/20/2010 12:01:40 PM |
| TK4 | $25.00 | $25.00 | 1/20/2010 12:04:33 PM |
| Picopie | $50.00 | $50.00 | 1/20/2010 3:06:34 PM |
| diplomatic-point4 | $25.00 | $25.00 | 1/20/2010 6:02:15 PM |
| Phantom99 | $25.00 | $25.00 | 1/20/2010 7:07:21 PM |
| julijask | $29.37 | $29.37 | 1/20/2010 8:12:00 PM |
| kegs | $39.73 | $39.73 | 1/20/2010 11:26:33 PM |
| first-fund-empenada | $25.00 | $25.00 | 1/20/2010 11:27:01 PM |
| OLYVRC | $25.00 | $25.00 | 1/21/2010 3:52:29 AM |
| BoutYeBank | $29.74 | $29.74 | 1/21/2010 11:11:03 AM |
| gogmagog | $36.49 | $36.49 | 1/21/2010 10:33:12 AM |
| tolstoy00 | $25.00 | $25.00 | 1/21/2010 10:58:27 AM |
| ChicoBob | $32.20 | $32.20 | 1/21/2010 12:33:24 PM |
| BankOfFrankFairness | $46.25 | $46.25 | 1/21/2010 12:17:25 PM |
| Jassi | $25.00 | $25.00 | 1/21/2010 12:51:13 PM |
| Binan | $25.00 | $25.00 | 1/21/2010 12:57:43 PM |
| DadWarbucks | $25.00 | $25.00 | 1/21/2010 12:58:35 PM |
| don8ter | $60.00 | $60.00 | 1/21/2010 1:17:25 PM |
| outtahoth2o | $42.19 | $42.19 | 1/21/2010 12:57:41 PM |
| WhiteGiant | $25.00 | $25.00 | 1/21/2010 1:14:56 PM |
| auction-elvis | $25.00 | $25.00 | 1/21/2010 2:02:43 PM |
| desertoasis | $25.00 | $25.00 | 1/21/2010 2:12:07 PM |
| enriching-payout | $25.00 | $25.00 | 1/21/2010 2:09:22 PM |
| fdsguy | $44.56 | $44.56 | 1/21/2010 3:38:15 PM |
| rjsdsu | $25.00 | $25.00 | 1/21/2010 5:00:35 PM |
| oreyedoc | $25.00 | $25.00 | 1/21/2010 4:58:30 PM |
| surfsider123 | $25.00 | $25.00 | 1/21/2010 5:27:45 PM |
| credit-shower | $25.00 | $25.00 | 1/21/2010 7:44:38 PM |
| Chef_boy | $50.00 | $50.00 | 1/21/2010 8:12:30 PM |
| interstellar | $50.00 | $50.00 | 1/22/2010 9:22:14 AM |
| iruz | $32.79 | $32.79 | 1/22/2010 2:23:09 PM |
| lean-velocity | $25.00 | $25.00 | 1/19/2010 10:29:35 AM |
| kenji4861 | $25.00 | $25.00 | 1/19/2010 10:29:14 AM |
| elasermd | $50.00 | $50.00 | 1/19/2010 10:35:42 AM |
| cash-sensai2 | $25.00 | $25.00 | 1/19/2010 11:24:35 AM |
| 18th_beachbum | $25.00 | $25.00 | 1/19/2010 11:28:05 AM |
| lloyd_s | $25.00 | $25.00 | 1/19/2010 11:28:15 AM |
| personal-lender | $25.00 | $25.00 | 1/19/2010 11:28:36 AM |
| credit-force5 | $25.00 | $25.00 | 1/19/2010 11:29:40 AM |
| rjblack | $45.76 | $45.76 | 1/19/2010 11:26:09 AM |
| bchen78875 | $50.00 | $50.00 | 1/19/2010 11:31:03 AM |
| unk1911 | $25.00 | $25.00 | 1/19/2010 11:27:11 AM |
| gulch | $35.00 | $35.00 | 1/19/2010 11:31:31 AM |
| Kaj | $30.00 | $30.00 | 1/19/2010 11:32:26 AM |
| AF-Chief | $35.00 | $35.00 | 1/19/2010 11:32:37 AM |
| junctionking | $25.00 | $25.00 | 1/19/2010 11:29:23 AM |
| Goodlender42 | $25.00 | $25.00 | 1/19/2010 11:33:32 AM |
| schpere | $30.00 | $30.00 | 1/19/2010 11:33:44 AM |
| red-favorable-basis | $25.00 | $25.00 | 1/19/2010 11:34:14 AM |
| OCedHrt | $25.00 | $25.00 | 1/19/2010 11:34:48 AM |
| leodaguy | $25.00 | $25.00 | 1/19/2010 11:31:42 AM |
| Fearless_Lender | $25.00 | $25.00 | 1/19/2010 11:36:09 AM |
| mlopez2007 | $50.00 | $50.00 | 1/19/2010 11:36:46 AM |
| durability-halibut | $25.00 | $25.00 | 1/19/2010 11:37:24 AM |
| bill-expert | $25.00 | $25.00 | 1/19/2010 11:38:23 AM |
| market-builder | $25.00 | $25.00 | 1/19/2010 11:34:35 AM |
| financelover | $50.00 | $50.00 | 1/19/2010 11:38:42 AM |
| AmericanCredit | $25.00 | $25.00 | 1/19/2010 11:39:35 AM |
| supreme-hope | $25.00 | $25.00 | 1/19/2010 11:35:21 AM |
| alpinaut | $25.00 | $25.00 | 1/19/2010 11:40:05 AM |
| nuclearmoose | $25.00 | $25.00 | 1/19/2010 11:35:45 AM |
| 29Palms | $25.00 | $25.00 | 1/19/2010 11:41:00 AM |
| dealarella | $25.00 | $25.00 | 1/19/2010 11:36:30 AM |
| kmr2 | $60.00 | $60.00 | 1/19/2010 11:41:30 AM |
| AFairDeal | $25.00 | $25.00 | 1/19/2010 11:37:52 AM |
| Fortuno_per_commodo | $50.00 | $50.00 | 1/19/2010 11:42:41 AM |
| peerlender | $30.00 | $30.00 | 1/19/2010 11:43:17 AM |
| thedoctor | $90.00 | $90.00 | 1/19/2010 11:43:59 AM |
| commerce-web5 | $40.00 | $40.00 | 1/19/2010 11:44:35 AM |
| determined-contract | $30.00 | $30.00 | 1/19/2010 11:45:04 AM |
| km007 | $25.00 | $25.00 | 1/19/2010 11:45:27 AM |
| ryan23 | $25.00 | $25.00 | 1/19/2010 11:41:56 AM |
| generous-at-heart | $25.00 | $25.00 | 1/19/2010 11:46:42 AM |
| trustedfriend | $25.00 | $25.00 | 1/19/2010 11:46:29 AM |
| GElender | $50.00 | $50.00 | 1/19/2010 11:47:33 AM |
| bayareainv | $50.00 | $50.00 | 1/19/2010 11:45:59 AM |
| balance6 | $25.00 | $25.00 | 1/19/2010 11:50:36 AM |
| Havana21 | $25.00 | $25.00 | 1/19/2010 11:48:42 AM |
| burgeoning-silver | $25.00 | $25.00 | 1/19/2010 11:49:16 AM |
| MrDavid | $50.00 | $50.00 | 1/19/2010 11:54:16 AM |
| jjswanso | $25.00 | $25.00 | 1/19/2010 11:50:52 AM |
| CREnvy | $25.00 | $25.00 | 1/19/2010 11:54:42 AM |
| wiselady | $25.00 | $25.00 | 1/19/2010 11:59:29 AM |
| aldenrains | $25.00 | $25.00 | 1/19/2010 12:04:53 PM |
| bamboozled_again | $250.00 | $250.00 | 1/19/2010 12:06:02 PM |
| copperfield | $25.00 | $25.00 | 1/19/2010 12:20:22 PM |
| commerce-voyager | $25.00 | $25.00 | 1/19/2010 12:31:40 PM |
| DukSerduk | $25.00 | $25.00 | 1/19/2010 12:35:03 PM |
| grampy48 | $25.00 | $25.00 | 1/19/2010 12:35:13 PM |
| rose88 | $25.00 | $25.00 | 1/19/2010 12:46:33 PM |
| stoopidnoodle | $25.00 | $25.00 | 1/19/2010 1:31:22 PM |
| financial-frenzy | $25.00 | $25.00 | 1/19/2010 2:15:39 PM |
| red-trade-cologne | $25.00 | $25.00 | 1/19/2010 1:06:05 PM |
| deal_maker78 | $250.00 | $250.00 | 1/19/2010 1:30:06 PM |
| credit-investor5 | $62.44 | $62.44 | 1/19/2010 4:15:43 PM |
| blot44 | $50.00 | $50.00 | 1/19/2010 6:26:39 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 1/19/2010 7:19:13 PM |
| vine99 | $75.00 | $75.00 | 1/19/2010 6:23:03 PM |
| Banker7371 | $25.00 | $25.00 | 1/19/2010 11:21:28 PM |
| greenwell | $36.47 | $36.47 | 1/20/2010 9:10:24 AM |
| kayakg | $25.00 | $25.00 | 1/20/2010 10:49:32 AM |
| djh47a | $35.00 | $35.00 | 1/20/2010 6:30:16 AM |
| Kame | $25.00 | $25.00 | 1/20/2010 11:04:37 AM |
| sajitk | $25.00 | $25.00 | 1/20/2010 11:19:44 AM |
| BiggestG | $25.00 | $25.00 | 1/20/2010 10:34:22 AM |
| ADenny | $25.00 | $25.00 | 1/20/2010 10:34:30 AM |
| wise-silver-wonder | $50.00 | $50.00 | 1/20/2010 11:34:36 AM |
| djs81 | $25.00 | $25.00 | 1/20/2010 5:45:41 PM |
| buckyhead2000 | $25.00 | $25.00 | 1/20/2010 9:00:38 PM |
| DonaldColorado | $25.00 | $25.00 | 1/20/2010 4:56:25 PM |
| springpanda | $25.00 | $25.00 | 1/20/2010 11:16:18 PM |
| jct_enterprises | $25.00 | $25.00 | 1/21/2010 12:33:51 AM |
| Captain88 | $25.00 | $25.00 | 1/21/2010 4:52:36 AM |
| circustab | $50.00 | $50.00 | 1/21/2010 7:40:14 AM |
| mjjjrj | $25.00 | $25.00 | 1/21/2010 10:03:39 AM |
| help_each_other | $25.00 | $25.00 | 1/21/2010 11:17:50 AM |
| mathprof | $25.00 | $25.00 | 1/21/2010 11:58:07 AM |
| NATIVEBORN | $38.24 | $38.24 | 1/21/2010 1:17:27 PM |
| lending-bear | $75.00 | $40.22 | 1/21/2010 4:58:48 PM |
| ivar | $25.00 | $25.00 | 1/21/2010 7:01:31 PM |
| Syzygy | $25.00 | $25.00 | 1/21/2010 6:42:02 PM |
| busybee999 | $25.00 | $25.00 | 1/21/2010 11:26:34 PM |
| Tiger6543 | $25.00 | $25.00 | 1/22/2010 1:33:49 PM |
| EmeritusX | $25.00 | $25.00 | 1/22/2010 2:56:40 PM |
| 201 bids
|
Borrower Payment Dependent Notes Series
443070
This series of Notes was issued and sold upon the funding of the borrower loan #40587, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Jan-19-2010 |
| |
Auction end date:
| Jan-22-2010 |
|
|
Starting lender yield:
| 27.40% |
Starting borrower rate/APR:
| 28.40% / 30.75% |
Starting monthly payment:
| $311.85 |
|
Final lender yield:
| 26.40% |
Final borrower rate/APR:
| 27.40% / 29.74% |
Final monthly payment:
| $307.80 |
| |
|
Auction yield range:
| 11.06% - 27.40% |
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:
| 8 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-679 (Jan-2010) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,460 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 51% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| worldly-loot6 |
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
I want better future for the family
Purpose of loan:
When the world was a much smaller place, a lender might make a lending decision based on an individual's reputation.? However, these days most loans come from large national, or international, organizations.? They don't know your personal reputation, or more matter of fact, they don't care to know.? I am but a small man in this very big world.? I just want to be able to live life comfortably, without the stress of paying credit card companies more than I owe them.
There is no humanity in their decision making.? Throughout the years, the credit card companies have been increasing the APR on my cards to exorbitant highs.? The several credit cards I own have rates in the high twenties.? Enough is enough.? I want to consolidate my credit card balances and pay just one low interest rate.? Every month I always pay my bills, and I always pay more than the minimum.? But it is taking me years to make any real impact.? Paying one person instead of paying several impersonal companies will allow me the opportunity to put the money that I will save to better use - my family.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I think you?re a great candidate to pledge / bid for!!... Can you briefly list payments on other car loans, personal loans, credit cards, mortgages, etc?.. Also, what are the monthly utilities, ins., living expenses, leases, etc. payments?.. THANKS! - SmartConsolidation
A:
I created a budget through Excel that I follow religiously every month. My financial situation for the 4-week month consist of a net income of $2400 minus expenses totaling $1776. Rent$700, Cable/Internet$50, Cell$80, AutoInsurance$80, Gas$60, Utilities$0, CarLoan$0, PersonalLoan$0, StudentLoans$261, Food$200, ChaseCard$130, DiscoverCard$70, HSBC$70, CapitalOneCard$25, TargetCard$50.
(Jan-20-2010)
Q:
Can you explain your employment status a bit more...... Where you work, how long you've been here, what you do, how your monthly pay is calculated, etc? THANKS!! - SmartConsolidation
A:
I have been gainfully employed with the US Census Bureau at a local census office since April 2009, where I am a mid-level manager. My position's title is that of Office Operations Supervisor. I train and manage a staff of clerks who perform preparation, control and logistical functions on my daily operational assignments for our Census field workers and timeline/deadline analysis for upper management. I am paid on a weekly basis and an approximate net of $600.
(Jan-20-2010)
Q:
Please list the credit cards you will be paying off with this loan, as well as the balances, interest rates and minimum payments on each. Thank you. - TackingWindward
A:
With the $7,500 loan, I will pay the following credit cards: 1) Chase - $3,700 balance - $130 minimum/month - 29.24%;
2) Discover - $2,400 balance - $70 minimum/month - 23.24%;
3) Target - $1,300 balance - $50 minimum/month - 29.99%.
(Jan-20-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Nickle-And-Dime | $25.00 | $25.00 | 1/19/2010 10:06:09 AM |
| five-star-note | $35.00 | $35.00 | 1/19/2010 10:18:31 AM |
| spruce2 | $50.00 | $50.00 | 1/19/2010 10:20:11 AM |
| howlong2retirement | $25.00 | $25.00 | 1/19/2010 10:27:39 AM |
| yeti888 | $25.00 | $25.00 | 1/19/2010 10:28:36 AM |
| fortytwo | $50.00 | $50.00 | 1/19/2010 10:30:35 AM |
| djh47a | $25.00 | $25.00 | 1/19/2010 10:30:38 AM |
| capital-lesson | $25.00 | $25.00 | 1/19/2010 10:31:34 AM |
| NR | $25.00 | $25.00 | 1/19/2010 10:31:41 AM |
| zipemdown | $25.00 | $25.00 | 1/19/2010 10:32:09 AM |
| head | $25.00 | $25.00 | 1/19/2010 10:32:53 AM |
| shiny-dollar9 | $25.00 | $25.00 | 1/19/2010 10:33:03 AM |
| Rattlehead | $25.00 | $25.00 | 1/19/2010 10:33:29 AM |
| cunning-bill | $25.00 | $25.00 | 1/19/2010 10:33:41 AM |
| zippy-interest | $25.00 | $25.00 | 1/19/2010 10:34:05 AM |
| note-tent | $25.00 | $25.00 | 1/19/2010 10:30:10 AM |
| attractive-rate | $25.00 | $25.00 | 1/19/2010 10:34:35 AM |
| reflective-rupee | $100.00 | $100.00 | 1/19/2010 10:30:31 AM |
| forthright-dedication | $100.00 | $100.00 | 1/19/2010 10:35:01 AM |
| zen1cent | $25.00 | $25.00 | 1/19/2010 10:30:43 AM |
| natural-greenback6 | $25.00 | $25.00 | 1/19/2010 10:35:11 AM |
| akesef | $25.00 | $25.00 | 1/19/2010 10:32:00 AM |
| corvettejrw | $30.00 | $30.00 | 1/19/2010 10:36:59 AM |
| Mavdyaus | $25.00 | $25.00 | 1/19/2010 10:36:16 AM |
| listing-trapper3 | $50.00 | $50.00 | 1/19/2010 10:32:19 AM |
| Orringo | $50.00 | $50.00 | 1/19/2010 10:35:20 AM |
| wonder_dogs | $25.00 | $25.00 | 1/19/2010 10:36:32 AM |
| AF-Chief | $28.00 | $28.00 | 1/19/2010 10:46:32 AM |
| huorn | $25.00 | $25.00 | 1/19/2010 10:52:43 AM |
| tractorman | $25.00 | $25.00 | 1/19/2010 10:53:16 AM |
| fcb202 | $25.00 | $25.00 | 1/19/2010 10:54:00 AM |
| maximizer | $25.00 | $25.00 | 1/19/2010 10:54:27 AM |
| GatorBux | $25.00 | $25.00 | 1/19/2010 10:56:59 AM |
| EnigmaNYC-29 | $50.00 | $50.00 | 1/19/2010 10:56:02 AM |
| compassion-paladin042 | $25.00 | $25.00 | 1/19/2010 10:53:08 AM |
| UT-Longhorn | $25.00 | $25.00 | 1/19/2010 10:57:06 AM |
| credit-force5 | $25.00 | $25.00 | 1/19/2010 11:15:29 AM |
| bountiful-bazaar | $25.00 | $25.00 | 1/19/2010 11:15:36 AM |
| NorthernFunds | $25.00 | $25.00 | 1/19/2010 11:13:35 AM |
| papaloha | $50.00 | $50.00 | 1/19/2010 11:13:42 AM |
| lending-bear | $25.00 | $25.00 | 1/19/2010 11:16:25 AM |
| MidLifeCrisis | $25.00 | $25.00 | 1/19/2010 11:14:08 AM |
| Gibbyland | $50.00 | $50.00 | 1/19/2010 11:16:41 AM |
| Shepherd7 | $25.00 | $25.00 | 1/19/2010 11:15:07 AM |
| the-precious-bid | $25.00 | $25.00 | 1/19/2010 11:17:38 AM |
| moola-phase | $25.00 | $25.00 | 1/19/2010 11:16:01 AM |
| SNH | $50.00 | $50.00 | 1/19/2010 11:16:45 AM |
| WalnutCreekguy | $25.00 | $25.00 | 1/19/2010 11:12:15 AM |
| ImaPutz | $25.00 | $25.00 | 1/19/2010 11:20:30 AM |
| contract-neutron | $25.00 | $25.00 | 1/19/2010 11:20:33 AM |
| handy-justice | $25.00 | $25.00 | 1/19/2010 11:14:01 AM |
| purdue98 | $25.00 | $25.00 | 1/19/2010 11:18:38 AM |
| Banker7371 | $25.00 | $25.00 | 1/19/2010 11:20:44 AM |
| famous-bill | $25.00 | $25.00 | 1/19/2010 11:14:16 AM |
| melodious-fairness | $25.00 | $25.00 | 1/19/2010 11:19:07 AM |
| steves73 | $25.00 | $25.00 | 1/19/2010 11:19:12 AM |
| DRA-Properties | $25.00 | $25.00 | 1/19/2010 11:19:15 AM |
| affluence-tycoon | $25.00 | $25.00 | 1/19/2010 11:19:26 AM |
| sloan | $25.00 | $25.00 | 1/19/2010 11:19:29 AM |
| thoughtful-community7 | $25.00 | $25.00 | 1/19/2010 11:15:32 AM |
| redbomb5 | $25.00 | $25.00 | 1/19/2010 11:15:57 AM |
| delivery | $25.00 | $25.00 | 1/19/2010 11:16:06 AM |
| value-pole | $25.00 | $25.00 | 1/19/2010 11:21:58 AM |
| 108lender | $75.00 | $75.00 | 1/19/2010 11:20:41 AM |
| red-favorable-basis | $25.00 | $25.00 | 1/19/2010 11:16:10 AM |
| puifais | $25.00 | $25.00 | 1/19/2010 11:20:49 AM |
| personal-lender | $25.00 | $25.00 | 1/19/2010 11:22:02 AM |
| penny-surgeon | $25.00 | $25.00 | 1/19/2010 11:21:00 AM |
| orange-courageous-dedication | $30.00 | $30.00 | 1/19/2010 11:22:08 AM |
| p123 | $25.00 | $25.00 | 1/19/2010 11:21:39 AM |
| seisen | $100.00 | $100.00 | 1/19/2010 11:17:32 AM |
| ingenious-deal6 | $25.00 | $25.00 | 1/19/2010 11:17:42 AM |
| VBAces | $25.00 | $25.00 | 1/19/2010 11:21:49 AM |
| dedicated-diversification5 | $100.00 | $100.00 | 1/19/2010 11:23:17 AM |
| kaykarun | $25.00 | $25.00 | 1/19/2010 11:23:42 AM |
| Vreet | $25.00 | $25.00 | 1/19/2010 11:22:27 AM |
| MissionMicroFinance | $25.00 | $25.00 | 1/19/2010 11:23:01 AM |
| Turtlebear44 | $25.00 | $25.00 | 1/19/2010 11:23:24 AM |
| CarDealer3070 | $30.00 | $30.00 | 1/19/2010 11:23:35 AM |
| loan-master996 | $50.00 | $50.00 | 1/19/2010 11:19:47 AM |
| exact-loan5 | $30.00 | $30.00 | 1/19/2010 11:19:52 AM |
| hope-equation | $50.00 | $50.00 | 1/19/2010 11:21:15 AM |
| charming-point | $300.00 | $300.00 | 1/19/2010 11:21:22 AM |
| astute-dollar | $50.00 | $50.00 | 1/19/2010 11:21:26 AM |
| teller | $25.00 | $25.00 | 1/19/2010 11:21:30 AM |
| blooming-dedication | $50.00 | $50.00 | 1/19/2010 11:22:17 AM |
| cognizant-wealth | $25.00 | $25.00 | 1/19/2010 11:22:20 AM |
| tsquared_030 | $25.00 | $25.00 | 1/19/2010 11:22:24 AM |
| ryan23 | $25.00 | $25.00 | 1/19/2010 11:22:30 AM |
| elegant-income3 | $25.00 | $25.00 | 1/19/2010 11:22:39 AM |
| AF_Trust | $25.00 | $25.00 | 1/19/2010 11:22:57 AM |
| thestartuplender | $35.00 | $35.00 | 1/19/2010 11:23:03 AM |
| honorable-yield | $35.00 | $35.00 | 1/19/2010 11:23:29 AM |
| reflective-rupee | $150.00 | $150.00 | 1/19/2010 11:44:49 AM |
| SolarMoonshine | $25.00 | $25.00 | 1/19/2010 4:26:28 PM |
| zento | $25.00 | $25.00 | 1/19/2010 9:47:45 PM |
| Bob450 | $25.00 | $25.00 | 1/19/2010 10:13:01 PM |
| bright-exchange | $25.00 | $25.00 | 1/20/2010 6:22:07 AM |
| Imaginos1892 | $50.00 | $50.00 | 1/20/2010 7:02:33 PM |
| unger | $50.00 | $50.00 | 1/20/2010 7:47:42 PM |
| TackingWindward | $25.00 | $25.00 | 1/21/2010 8:20:01 AM |
| FinanceEngine | $25.00 | $25.00 | 1/21/2010 9:01:37 AM |
| bold-dynamic-silver | $25.00 | $25.00 | 1/21/2010 11:37:03 PM |
| dime-beeper | $25.00 | $25.00 | 1/21/2010 9:37:05 PM |
| mercuriant | $25.00 | $25.00 | 1/22/2010 9:40:46 AM |
| exchange-cowbell5 | $100.00 | $100.00 | 1/22/2010 11:21:30 AM |
| monstersdad | $50.00 | $50.00 | 1/22/2010 2:51:56 PM |
| oldmora | $25.00 | $25.00 | 1/19/2010 10:14:45 AM |
| blue-liberty-gourd | $25.00 | $25.00 | 1/19/2010 10:29:51 AM |
| dime-beeper | $25.00 | $25.00 | 1/19/2010 10:29:53 AM |
| whynormal | $25.00 | $25.00 | 1/19/2010 10:30:48 AM |
| AFairDeal | $25.00 | $25.00 | 1/19/2010 10:31:11 AM |
| vivixmedia | $25.00 | $25.00 | 1/19/2010 10:30:24 AM |
| industrious-dedication | $25.00 | $25.00 | 1/19/2010 10:31:19 AM |
| circustab | $50.00 | $50.00 | 1/19/2010 10:31:45 AM |
| elephantparty | $25.00 | $25.00 | 1/19/2010 10:31:03 AM |
| terminus | $25.00 | $25.00 | 1/19/2010 10:32:13 AM |
| silver-armada | $50.00 | $50.00 | 1/19/2010 10:32:38 AM |
| desertoasis | $50.00 | $50.00 | 1/19/2010 10:28:45 AM |
| treasure-bliss | $100.00 | $100.00 | 1/19/2010 10:29:03 AM |
| AKgirl81 | $25.00 | $25.00 | 1/19/2010 10:33:08 AM |
| vkorichkov | $30.00 | $30.00 | 1/19/2010 10:32:59 AM |
| FeedTheMachine | $200.00 | $200.00 | 1/19/2010 10:33:21 AM |
| red-trade-cologne | $25.00 | $25.00 | 1/19/2010 10:29:47 AM |
| BlindJoeDeath | $25.00 | $25.00 | 1/19/2010 10:34:18 AM |
| GMOD026 | $25.00 | $25.00 | 1/19/2010 10:34:11 AM |
| worldly-gold | $25.00 | $25.00 | 1/19/2010 10:34:26 AM |
| mtquan | $25.00 | $25.00 | 1/19/2010 10:34:30 AM |
| Wellman | $100.00 | $100.00 | 1/19/2010 10:34:41 AM |
| green-careful-community | $25.00 | $25.00 | 1/19/2010 10:31:08 AM |
| nourishing-hope835 | $25.00 | $25.00 | 1/19/2010 10:34:53 AM |
| dime-reaction | $25.00 | $25.00 | 1/19/2010 10:31:36 AM |
| bold-principal-thinker | $25.00 | $25.00 | 1/19/2010 10:31:51 AM |
| toxicbutterfly | $25.00 | $25.00 | 1/19/2010 10:32:16 AM |
| docktah | $25.00 | $25.00 | 1/19/2010 10:32:28 AM |
| slico | $25.00 | $25.00 | 1/19/2010 10:32:33 AM |
| rock-turner | $25.00 | $25.00 | 1/19/2010 10:36:48 AM |
| silvip | $25.00 | $25.00 | 1/19/2010 10:37:20 AM |
| mbwillma | $25.00 | $25.00 | 1/19/2010 10:37:13 AM |
| etraboulay | $25.00 | $25.00 | 1/19/2010 10:32:44 AM |
| burgeoning-silver | $25.00 | $25.00 | 1/19/2010 10:34:47 AM |
| graceful-investment | $50.00 | $50.00 | 1/19/2010 10:36:40 AM |
| jonn834 | $25.00 | $25.00 | 1/19/2010 10:37:16 AM |
| orange-preeminant-bill | $100.00 | $100.00 | 1/19/2010 10:46:45 AM |
| KiwiElf | $25.00 | $25.00 | 1/19/2010 10:55:00 AM |
| brutusbone | $25.00 | $25.00 | 1/19/2010 10:57:09 AM |
| kindness-casserole | $26.71 | $26.71 | 1/19/2010 10:55:05 AM |
| coin-investor | $25.00 | $25.00 | 1/19/2010 11:07:12 AM |
| kmr2 | $50.00 | $50.00 | 1/19/2010 11:13:38 AM |
| apeloans | $25.00 | $25.00 | 1/19/2010 11:14:04 AM |
| benefit-squirrel | $25.00 | $25.00 | 1/19/2010 11:14:38 AM |
| intuitive-bill | $25.00 | $25.00 | 1/19/2010 11:14:43 AM |
| delicious-social132 | $25.00 | $25.00 | 1/19/2010 11:15:42 AM |
| happyaric | $100.00 | $100.00 | 1/19/2010 11:13:55 AM |
| supreme-hope | $25.00 | $25.00 | 1/19/2010 11:16:48 AM |
| copper | $30.00 | $30.00 | 1/19/2010 11:15:50 AM |
| DadWarbucks | $25.00 | $25.00 | 1/19/2010 11:18:04 AM |
| bassman2 | $25.00 | $25.00 | 1/19/2010 11:16:30 AM |
| secobarbital | $25.00 | $25.00 | 1/19/2010 11:19:42 AM |
| SirJev | $25.00 | $25.00 | 1/19/2010 11:20:23 AM |
| merriewold | $25.00 | $25.00 | 1/19/2010 11:17:48 AM |
| circuitfive | $25.00 | $25.00 | 1/19/2010 11:13:49 AM |
| intrepid-transaction5 | $25.00 | $25.00 | 1/19/2010 11:18:59 AM |
| jhouman | $25.00 | $25.00 | 1/19/2010 11:19:04 AM |
| unk1911 | $25.00 | $25.00 | 1/19/2010 11:15:18 AM |
| Phantom99 | $25.00 | $25.00 | 1/19/2010 11:15:23 AM |
| bulabula | $25.00 | $25.00 | 1/19/2010 11:20:03 AM |
| saffron4 | $25.00 | $25.00 | 1/19/2010 11:21:43 AM |
| halothane_logic | $25.00 | $25.00 | 1/19/2010 11:20:10 AM |
| wise-extraordinary-loot | $25.00 | $25.00 | 1/19/2010 11:21:46 AM |
| jbaum | $25.00 | $25.00 | 1/19/2010 11:20:36 AM |
| time4aloan | $30.00 | $30.00 | 1/19/2010 11:16:15 AM |
| Cai8899 | $30.00 | $30.00 | 1/19/2010 11:20:59 AM |
| samo102us | $25.00 | $25.00 | 1/19/2010 11:16:38 AM |
| Dubbs360 | $100.00 | $100.00 | 1/19/2010 11:16:57 AM |
| Zolton | $200.00 | $200.00 | 1/19/2010 11:22:34 AM |
| accordion8 | $25.00 | $25.00 | 1/19/2010 11:21:35 AM |
| impeccable-transparency | $50.00 | $50.00 | 1/19/2010 11:22:43 AM |
| elevated-platinum5 | $25.00 | $25.00 | 1/19/2010 11:22:46 AM |
| greenwell | $25.00 | $25.00 | 1/19/2010 11:18:00 AM |
| duty-sensai | $25.00 | $25.00 | 1/19/2010 11:23:09 AM |
| Buffer10 | $100.00 | $100.00 | 1/19/2010 11:22:14 AM |
| skro | $25.00 | $25.00 | 1/19/2010 11:18:22 AM |
| Kaj | $25.00 | $25.00 | 1/19/2010 11:22:49 AM |
| xzec777 | $25.00 | $25.00 | 1/19/2010 11:18:48 AM |
| Diamond_Jim | $25.00 | $25.00 | 1/19/2010 11:23:06 AM |
| junctionking | $25.00 | $25.00 | 1/19/2010 11:18:55 AM |
| orange-vigilance-shower | $25.00 | $25.00 | 1/19/2010 11:19:20 AM |
| GElender | $25.00 | $25.00 | 1/19/2010 11:19:33 AM |
| yield-lion | $25.00 | $25.00 | 1/19/2010 11:20:17 AM |
| Supernick | $25.00 | $25.00 | 1/19/2010 11:20:55 AM |
| oreyedoc | $25.00 | $25.00 | 1/19/2010 11:21:04 AM |
| jonbozeman | $25.00 | $25.00 | 1/19/2010 11:21:10 AM |
| lloyd_s | $25.00 | $25.00 | 1/19/2010 11:23:12 AM |
| kmprospeo | $50.00 | $25.29 | 1/19/2010 11:23:46 AM |
| falcon88dp | $25.00 | $25.00 | 1/19/2010 11:26:18 AM |
| dime-neutron | $25.00 | $25.00 | 1/19/2010 11:30:18 AM |
| melodious-fairness | $25.00 | $25.00 | 1/19/2010 2:53:52 PM |
| buffalobills | $25.00 | $25.00 | 1/19/2010 4:03:14 PM |
| felicity-daydream | $100.00 | $100.00 | 1/20/2010 9:43:40 PM |
| himanshuko | $25.00 | $25.00 | 1/22/2010 1:31:18 PM |
| ore-bada-bing | $175.00 | $175.00 | 1/22/2010 1:50:27 PM |
| 202 bids
|
Borrower Payment Dependent Notes Series
443296
This series of Notes was issued and sold upon the funding of the borrower loan #40567, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,750.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Jan-22-2010 |
| |
Auction end date:
| Jan-25-2010 |
|
|
Starting lender yield:
| 13.05% |
Starting borrower rate/APR:
| 14.05% / 16.21% |
Starting monthly payment:
| $59.85 |
|
Final lender yield:
| 13.00% |
Final borrower rate/APR:
| 14.00% / 16.16% |
Final monthly payment:
| $59.81 |
| |
|
Auction yield range:
| 6.06% - 13.05% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.78% | | |
<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:
| Jan-1999 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Jan-2010) |
Current / open credit lines:
| 15
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 31y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,915 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 22% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| hudzilla01 |
Borrower's state:
| Texas |
Borrower's group:
| Perfect Solution Systems |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 720-739
(Nov-2009)
700-719
(Oct-2009)
680-699
(Sep-2008)
660-679
(Aug-2007)
|
|
Principal balance:
| $1,564.70 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Home Improvement for the Holidays
Purpose of loan:
This loan will be used to replace my water heater that is leaking and also to replace my garge door that broke this week.
My financial situation:
I am a good candidate for this loan because? I've been employed with the same company for 31 years. I've also paid on time my existing Prosper loan and have?8 remaining payments. I'm showing one late payment on a small?credit card payment that was just forgotten during a time with a loss in our family.
Monthly net income: $ 5,600
Monthly expenses: $ 3356
??Housing: $ 1161
??Insurance: $ 205
??Car expenses: $ 305
??Utilities: $?335
??Phone, cable, internet: $125
??Food, entertainment: $ 600
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 475
??Other expenses:
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| LaveenFinancial | $25.00 | $25.00 | 1/22/2010 3:54:42 PM |
| ccclaireee333 | $25.00 | $25.00 | 1/22/2010 3:54:44 PM |
| newyork6264 | $25.00 | $25.00 | 1/22/2010 3:54:46 PM |
| jdrez | $25.00 | $25.00 | 1/22/2010 3:56:06 PM |
| vkorichkov | $30.00 | $30.00 | 1/22/2010 3:56:10 PM |
| money2k | $25.00 | $25.00 | 1/22/2010 3:59:21 PM |
| rangers94 | $25.00 | $25.00 | 1/22/2010 3:59:43 PM |
| auction-turbine4 | $25.00 | $25.00 | 1/22/2010 3:58:10 PM |
| peso-colonel | $90.00 | $90.00 | 1/22/2010 3:59:53 PM |
| monticello | $25.00 | $25.00 | 1/22/2010 3:59:39 PM |
| Lilred7879 | $50.00 | $50.00 | 1/22/2010 3:59:27 PM |
| loanfairy | $25.00 | $19.04 | 1/22/2010 4:00:14 PM |
| william8 | $25.00 | $25.00 | 1/23/2010 11:27:26 AM |
| marwadi-62 | $300.00 | $300.00 | 1/23/2010 5:24:12 PM |
| friendly-worth3 | $25.00 | $25.00 | 1/23/2010 9:31:35 PM |
| MoneyForNothing | $25.00 | $25.00 | 1/23/2010 9:58:47 PM |
| worth-victor6 | $25.00 | $25.00 | 1/24/2010 11:09:55 AM |
| kapitalx | $50.00 | $50.00 | 1/24/2010 2:18:34 PM |
| LoanerPrincipal | $50.00 | $50.00 | 1/25/2010 12:04:03 AM |
| AlwaysA-Chief | $25.00 | $25.00 | 1/22/2010 3:54:45 PM |
| nalaari | $25.00 | $25.00 | 1/22/2010 3:55:41 PM |
| saysana | $25.00 | $25.00 | 1/22/2010 3:54:39 PM |
| radiant-fund | $25.00 | $25.00 | 1/22/2010 3:54:48 PM |
| head | $25.00 | $25.00 | 1/22/2010 3:56:11 PM |
| inventive-wealth2 | $25.00 | $25.00 | 1/22/2010 3:56:20 PM |
| nickel-advocator | $25.00 | $25.00 | 1/22/2010 3:56:26 PM |
| omerta6102 | $33.44 | $33.44 | 1/22/2010 3:58:31 PM |
| AF-Chief | $27.00 | $27.00 | 1/22/2010 3:59:47 PM |
| lending-bear | $50.00 | $50.00 | 1/22/2010 3:58:26 PM |
| best-generosity-financier | $25.00 | $25.00 | 1/22/2010 4:07:04 PM |
| jetblack | $25.52 | $25.52 | 1/22/2010 4:15:26 PM |
| DollaDollaBill | $50.00 | $50.00 | 1/22/2010 4:24:47 PM |
| Aberdeen | $300.00 | $300.00 | 1/22/2010 4:14:56 PM |
| HQLender06851 | $25.00 | $25.00 | 1/22/2010 4:24:29 PM |
| sparkmeister | $25.00 | $25.00 | 1/22/2010 4:34:01 PM |
| melodious-fairness | $25.00 | $25.00 | 1/22/2010 8:31:41 PM |
| drkosh | $25.00 | $25.00 | 1/23/2010 3:00:20 PM |
| zento | $25.00 | $25.00 | 1/23/2010 9:25:55 PM |
| OzGuy609 | $25.00 | $25.00 | 1/24/2010 9:52:39 AM |
| JCMC | $25.00 | $25.00 | 1/25/2010 6:53:02 AM |
| 40 bids
|
Borrower Payment Dependent Notes Series
443708
This series of Notes was issued and sold upon the funding of the borrower loan #40555, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Jan-21-2010 |
| |
Auction end date:
| Jan-23-2010 |
|
|
Starting lender yield:
| 18.50% |
Starting borrower rate/APR:
| 19.50% / 21.73% |
Starting monthly payment:
| $369.09 |
|
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 17.17% |
Final monthly payment:
| $346.65 |
| |
|
Auction yield range:
| 6.06% - 18.50% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
<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:
| Oct-2005 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 760-779 (Jan-2010) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,220 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 18% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| wise-tranquil-payout |
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
Paying off my Credit Cards
Purpose of loan:
This loan will be used to pay off some credit card debt from mainly hospital and doctors bills from my wife and daughter.
My financial situation:
I am a good candidate for this loan because both my wife and I have full time jobs and are currently able to make payments for all of our bills. We are just looking for a loan to consolidate them to make it easier.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| snoopey100 | $25.00 | $25.00 | 1/21/2010 4:11:58 PM |
| coolspeed | $25.00 | $25.00 | 1/21/2010 4:11:35 PM |
| lending-bear | $50.00 | $50.00 | 1/21/2010 4:13:38 PM |
| booksleuth | $40.24 | $40.24 | 1/21/2010 4:13:49 PM |
| Fojo | $25.00 | $25.00 | 1/21/2010 4:12:46 PM |
| nerdbomber | $25.00 | $25.00 | 1/21/2010 4:12:52 PM |
| cub510 | $25.00 | $25.00 | 1/21/2010 4:15:11 PM |
| a-resplendent-asset | $27.42 | $27.42 | 1/21/2010 4:13:47 PM |
| Tahoeguy | $33.97 | $33.97 | 1/21/2010 4:16:00 PM |
| maschinenbau | $25.00 | $25.00 | 1/21/2010 4:14:35 PM |
| bazaar-titan | $25.00 | $25.00 | 1/21/2010 4:14:51 PM |
| open-wealth492 | $25.00 | $25.00 | 1/21/2010 4:14:55 PM |
| jammers | $25.00 | $25.00 | 1/21/2010 4:15:03 PM |
| The_Lending_Muscle | $50.00 | $50.00 | 1/21/2010 4:15:14 PM |
| roxon | $25.00 | $25.00 | 1/21/2010 4:15:17 PM |
| fair-funds | $25.00 | $25.00 | 1/21/2010 4:15:24 PM |
| 108lender | $100.00 | $100.00 | 1/21/2010 4:15:33 PM |
| diplomatic-point4 | $100.00 | $100.00 | 1/21/2010 4:16:18 PM |
| 449449 | $25.00 | $25.00 | 1/21/2010 4:11:23 PM |
| rellotsf | $33.02 | $33.02 | 1/21/2010 4:11:28 PM |
| orange-courageous-dedication | $30.00 | $30.00 | 1/21/2010 4:19:15 PM |
| elegant-bonus | $25.00 | $25.00 | 1/21/2010 4:17:08 PM |
| exact-loan5 | $25.00 | $25.00 | 1/21/2010 4:19:22 PM |
| teller | $25.00 | $25.00 | 1/21/2010 4:17:23 PM |
| UREC001 | $25.00 | $25.00 | 1/21/2010 4:13:10 PM |
| selector568 | $300.00 | $300.00 | 1/21/2010 4:18:11 PM |
| accord0 | $25.00 | $25.00 | 1/21/2010 4:13:32 PM |
| AFairDeal | $25.00 | $25.00 | 1/21/2010 4:18:37 PM |
| lounges | $25.00 | $25.00 | 1/21/2010 4:13:57 PM |
| Diamond_Jim | $25.00 | $25.00 | 1/21/2010 4:19:06 PM |
| Syzygy | $25.00 | $25.00 | 1/21/2010 4:20:35 PM |
| visionary-commerce | $25.00 | $25.00 | 1/21/2010 4:14:31 PM |
| melodious-fairness | $25.00 | $25.00 | 1/21/2010 4:19:29 PM |
| delicious-social132 | $25.00 | $25.00 | 1/21/2010 4:20:49 PM |
| blueisland | $25.00 | $25.00 | 1/21/2010 4:14:53 PM |
| narblark | $25.00 | $25.00 | 1/21/2010 4:15:29 PM |
| djh47a | $30.00 | $30.00 | 1/21/2010 4:15:42 PM |
| puifais | $25.00 | $25.00 | 1/21/2010 4:20:06 PM |
| Gibbyland | $75.00 | $75.00 | 1/21/2010 4:21:48 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 1/21/2010 4:20:38 PM |
| Cai8899 | $50.00 | $50.00 | 1/21/2010 4:21:54 PM |
| loanfairy | $25.00 | $25.00 | 1/21/2010 4:16:54 PM |
| supreme-hope | $25.00 | $25.00 | 1/21/2010 4:20:53 PM |
| ryan23 | $25.00 | $25.00 | 1/21/2010 4:22:20 PM |
| red-favorable-basis | $25.00 | $25.00 | 1/21/2010 4:21:14 PM |
| Pilotaceh | $25.00 | $25.00 | 1/21/2010 4:17:44 PM |
| yield-lion | $25.00 | $25.00 | 1/21/2010 4:21:25 PM |
| p123 | $50.00 | $50.00 | 1/21/2010 4:18:33 PM |
| tdswellington | $25.00 | $25.00 | 1/21/2010 4:22:45 PM |
| apeloans | $25.00 | $25.00 | 1/21/2010 4:21:40 PM |
| Trolley08 | $25.00 | $25.00 | 1/21/2010 4:22:51 PM |
| MrBodaggit | $25.00 | $25.00 | 1/21/2010 4:22:54 PM |
| impeccable-transparency | $75.00 | $75.00 | 1/21/2010 4:22:01 PM |
| nojoke411 | $25.00 | $25.00 | 1/21/2010 4:23:13 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 1/21/2010 4:22:07 PM |
| thestartuplender | $35.00 | $35.00 | 1/21/2010 4:19:13 PM |
| auction-elvis | $25.00 | $25.00 | 1/21/2010 4:23:22 PM |
| blooming-dedication | $50.00 | $50.00 | 1/21/2010 4:19:25 PM |
| cpblue79 | $100.00 | $100.00 | 1/21/2010 4:23:28 PM |
| intuitive-bill | $25.00 | $25.00 | 1/21/2010 4:22:23 PM |
| balance6 | $25.00 | $25.00 | 1/21/2010 4:22:26 PM |
| Banker7371 | $25.00 | $25.00 | 1/21/2010 4:19:50 PM |
| KramericaIndustries | $25.00 | $25.00 | 1/21/2010 4:22:46 PM |
| rolandweary | $40.00 | $40.00 | 1/21/2010 4:24:14 PM |
| transparent-money2 | $25.00 | $25.00 | 1/21/2010 4:23:12 PM |
| jonn834 | $25.00 | $25.00 | 1/21/2010 4:23:17 PM |
| skurfa | $25.00 | $25.00 | 1/21/2010 4:25:15 PM |
| appastk | $25.00 | $25.00 | 1/21/2010 4:23:29 PM |
| Speculator | $50.00 | $50.00 | 1/21/2010 4:21:01 PM |
| NorthernFunds | $25.00 | $25.00 | 1/21/2010 4:21:26 PM |
| cheapskate | $50.00 | $50.00 | 1/21/2010 4:24:04 PM |
| tedsrfdude | $25.00 | $25.00 | 1/21/2010 4:25:46 PM |
| oaktown23 | $50.00 | $50.00 | 1/21/2010 4:25:52 PM |
| wiltonbound | $25.00 | $25.00 | 1/21/2010 4:24:15 PM |
| egw | $25.00 | $25.00 | 1/21/2010 4:24:24 PM |
| elevated-platinum5 | $50.00 | $50.00 | 1/21/2010 4:21:57 PM |
| credible-durability | $25.00 | $25.00 | 1/21/2010 4:26:22 PM |
| tmillerosu | $25.00 | $25.00 | 1/21/2010 4:25:11 PM |
| deal_maker78 | $100.00 | $100.00 | 1/21/2010 4:25:16 PM |
| BlindJoeDeath | $25.00 | $25.00 | 1/21/2010 4:26:50 PM |
| inspiring-reward | $50.00 | $50.00 | 1/21/2010 4:22:17 PM |
| elephantparty | $25.00 | $25.00 | 1/21/2010 4:25:42 PM |
| generosity-giraffe0 | $25.00 | $25.00 | 1/21/2010 4:22:48 PM |
| payout-achievement | $40.00 | $40.00 | 1/21/2010 4:27:26 PM |
| three-for-6 | $100.00 | $100.00 | 1/21/2010 4:23:03 PM |
| equallender | $25.00 | $25.00 | 1/21/2010 4:23:26 PM |
| tallcoolone | $27.00 | $27.00 | 1/21/2010 4:26:28 PM |
| BenOrt | $25.00 | $25.00 | 1/21/2010 4:23:33 PM |
| stjules | $50.00 | $50.00 | 1/21/2010 4:23:38 PM |
| trumpeter5 | $25.00 | $25.00 | 1/21/2010 4:28:28 PM |
| dollar-birdie | $25.00 | $25.00 | 1/21/2010 4:23:48 PM |
| yield-hero4 | $25.00 | $25.00 | 1/21/2010 4:23:58 PM |
| forthright-social | $25.00 | $25.00 | 1/21/2010 4:24:09 PM |
| aasx1108 | $25.00 | $25.00 | 1/21/2010 4:26:58 PM |
| capital-lesson | $25.00 | $25.00 | 1/21/2010 4:24:19 PM |
| skobos8225 | $25.00 | $25.00 | 1/21/2010 4:24:26 PM |
| return-tycoon3 | $150.00 | $150.00 | 1/21/2010 4:25:09 PM |
| hitsman | $50.00 | $50.00 | 1/21/2010 4:27:47 PM |
| larrybird | $100.00 | $100.00 | 1/21/2010 4:29:39 PM |
| kchen486 | $25.00 | $25.00 | 1/21/2010 4:28:02 PM |
| enb3 | $25.00 | $25.00 | 1/21/2010 4:25:27 PM |
| UT-Longhorn | $25.00 | $25.00 | 1/21/2010 4:28:41 PM |
| rlcot | $25.00 | $25.00 | 1/21/2010 4:26:10 PM |
| BigBoy2008 | $25.00 | $25.00 | 1/21/2010 4:31:12 PM |
| peaceful-return2 | $25.00 | $25.00 | 1/21/2010 4:31:20 PM |
| commitment-forte6 | $25.00 | $25.00 | 1/21/2010 4:29:47 PM |
| punctual-power7 | $25.00 | $25.00 | 1/21/2010 4:27:03 PM |
| Archchancellor | $25.00 | $25.00 | 1/21/2010 4:32:19 PM |
| miked8303 | $25.00 | $25.00 | 1/21/2010 4:30:09 PM |
| duty-monger | $50.00 | $50.00 | 1/21/2010 4:27:55 PM |
| best-deal-banker | $25.00 | $25.00 | 1/21/2010 4:32:53 PM |
| tom48l | $25.00 | $25.00 | 1/21/2010 4:30:31 PM |
| bajeezus | $25.00 | $25.00 | 1/21/2010 4:30:51 PM |
| flopcat | $25.00 | $25.00 | 1/21/2010 4:28:13 PM |
| anders94 | $25.00 | $25.00 | 1/21/2010 4:30:58 PM |
| commerce-web5 | $25.00 | $25.00 | 1/21/2010 4:28:34 PM |
| 30Sky | $25.00 | $25.00 | 1/21/2010 4:32:12 PM |
| promiser200 | $25.00 | $25.00 | 1/21/2010 4:28:53 PM |
| kaiger | $25.00 | $25.00 | 1/21/2010 4:32:24 PM |
| bchen78875 | $25.00 | $25.00 | 1/21/2010 4:29:11 PM |
| wonderful-return5 | $25.00 | $25.00 | 1/21/2010 4:29:16 PM |
| market-path | $50.00 | $50.00 | 1/21/2010 4:32:41 PM |
| emelia | $25.00 | $20.01 | 1/21/2010 4:33:00 PM |
| studious-listing8 | $25.00 | $25.00 | 1/21/2010 4:29:54 PM |
| payout-point | $50.00 | $50.00 | 1/21/2010 4:29:58 PM |
| durability-mad-scientist4 | $100.00 | $100.00 | 1/21/2010 4:30:02 PM |
| Clambake | $50.00 | $50.00 | 1/21/2010 4:30:18 PM |
| ThomasCrown | $30.00 | $30.00 | 1/21/2010 4:30:23 PM |
| cpaphoto | $25.00 | $25.00 | 1/21/2010 4:31:01 PM |
| aurorafinancial | $50.00 | $50.00 | 1/22/2010 7:39:53 AM |
| rdrloan | $25.00 | $25.00 | 1/22/2010 7:40:10 AM |
| jetblack | $39.31 | $39.31 | 1/22/2010 1:10:42 PM |
| Sol_Invictus | $25.00 | $25.00 | 1/22/2010 5:17:51 PM |
| orbiter614 | $50.00 | $50.00 | 1/22/2010 5:31:56 PM |
| cloud8 | $30.00 | $30.00 | 1/22/2010 7:07:10 PM |
| melodious-fairness | $25.00 | $25.00 | 1/22/2010 8:30:52 PM |
| best-marketologist | $25.00 | $25.00 | 1/21/2010 4:12:14 PM |
| profitable-deal3 | $25.00 | $25.00 | 1/21/2010 4:12:41 PM |
| fund-medalist171 | $25.00 | $25.00 | 1/21/2010 4:12:09 PM |
| upc_tnt | $25.00 | $25.00 | 1/21/2010 4:14:33 PM |
| Sefotonga | $25.00 | $25.00 | 1/21/2010 4:12:50 PM |
| movistar | $25.00 | $25.00 | 1/21/2010 4:14:54 PM |
| pleasant-dime | $25.00 | $25.00 | 1/21/2010 4:12:55 PM |
| skiingawfs | $25.00 | $25.00 | 1/21/2010 4:15:08 PM |
| Purposeful | $100.00 | $100.00 | 1/21/2010 4:15:13 PM |
| copperfield | $25.00 | $25.00 | 1/21/2010 4:15:53 PM |
| littlemonkey | $25.00 | $25.00 | 1/21/2010 4:13:50 PM |
| blue-liberty-gourd | $25.00 | $25.00 | 1/21/2010 4:16:20 PM |
| Dap2005 | $25.00 | $25.00 | 1/21/2010 4:14:24 PM |
| principal-kung-fu | $25.00 | $25.00 | 1/21/2010 4:17:01 PM |
| theloanfiller | $25.40 | $25.40 | 1/21/2010 4:14:52 PM |
| mikrolown | $25.00 | $25.00 | 1/21/2010 4:15:01 PM |
| Tom579 | $25.00 | $25.00 | 1/21/2010 4:17:12 PM |
| DWParker1 | $26.35 | $26.35 | 1/21/2010 4:15:20 PM |
| mpatrick | $50.00 | $50.00 | 1/21/2010 4:18:03 PM |
| Lilred7879 | $50.00 | $50.00 | 1/21/2010 4:15:40 PM |
| treasure-bliss | $100.00 | $100.00 | 1/21/2010 4:18:07 PM |
| nwagers | $25.00 | $25.00 | 1/21/2010 4:11:11 PM |
| peso-colonel | $90.00 | $90.00 | 1/21/2010 4:16:21 PM |
| benefit-squirrel | $30.00 | $30.00 | 1/21/2010 4:19:10 PM |
| CallMeBen | $25.00 | $25.00 | 1/21/2010 4:17:10 PM |
| nomad54 | $25.00 | $25.00 | 1/21/2010 4:13:08 PM |
| Kaj | $25.00 | $25.00 | 1/21/2010 4:19:41 PM |
| REBizGuy | $50.00 | $50.00 | 1/21/2010 4:13:19 PM |
| 18th_beachbum | $25.00 | $25.00 | 1/21/2010 4:19:55 PM |
| georgethesir | $50.00 | $50.00 | 1/21/2010 4:18:30 PM |
| payogie | $25.00 | $25.00 | 1/21/2010 4:13:43 PM |
| lloyd_s | $25.00 | $25.00 | 1/21/2010 4:20:08 PM |
| industrious-dedication | $25.00 | $25.00 | 1/21/2010 4:18:39 PM |
| gallant-camaraderi | $25.00 | $25.00 | 1/21/2010 4:13:52 PM |
| time4aloan | $50.00 | $50.00 | 1/21/2010 4:20:20 PM |
| duty-sensai | $25.00 | $25.00 | 1/21/2010 4:18:48 PM |
| rooosta | $25.00 | $25.00 | 1/21/2010 4:20:24 PM |
| brooklynjoe | $25.00 | $25.00 | 1/21/2010 4:18:54 PM |
| affluence-tomahawk | $25.00 | $25.00 | 1/21/2010 4:14:23 PM |
| cjay23va | $25.00 | $25.00 | 1/21/2010 4:14:50 PM |
| personal-lender | $25.00 | $25.00 | 1/21/2010 4:19:39 PM |
| Butterfly1950 | $25.00 | $25.00 | 1/21/2010 4:14:56 PM |
| tallmon | $25.00 | $25.00 | 1/21/2010 4:15:07 PM |
| Katburg | $35.00 | $35.00 | 1/21/2010 4:19:58 PM |
| worklessmakemore | $25.00 | $25.00 | 1/21/2010 4:15:34 PM |
| papaloha | $50.00 | $50.00 | 1/21/2010 4:21:37 PM |
| value-pole | $25.00 | $25.00 | 1/21/2010 4:20:12 PM |
| wise-extraordinary-loot | $30.00 | $30.00 | 1/21/2010 4:20:16 PM |
| sharkm | $40.00 | $40.00 | 1/21/2010 4:16:52 PM |
| burrito6 | $25.00 | $25.00 | 1/21/2010 4:16:57 PM |
| Rob717171 | $25.00 | $25.00 | 1/21/2010 4:21:09 PM |
| ghinga | $50.00 | $50.00 | 1/21/2010 4:21:19 PM |
| VBAces | $50.00 | $50.00 | 1/21/2010 4:18:28 PM |
| unclejaef | $25.00 | $25.00 | 1/21/2010 4:22:41 PM |
| accordion8 | $50.00 | $50.00 | 1/21/2010 4:21:54 PM |
| ctgscott | $25.00 | $25.00 | 1/21/2010 4:23:08 PM |
| bogart2277 | $25.00 | $25.00 | 1/21/2010 4:23:11 PM |
| LA-Funding-Bank | $25.00 | $25.00 | 1/21/2010 4:19:03 PM |
| streak269 | $25.00 | $25.00 | 1/21/2010 4:23:16 PM |
| openness-prospector | $25.00 | $25.00 | 1/21/2010 4:23:21 PM |
| loan-warrior | $25.00 | $25.00 | 1/21/2010 4:23:34 PM |
| falcon88dp | $25.00 | $25.00 | 1/21/2010 4:22:32 PM |
| DRA-Properties | $25.00 | $25.00 | 1/21/2010 4:19:45 PM |
| financial-frenzy | $50.00 | $50.00 | 1/21/2010 4:23:50 PM |
| galaxy1 | $25.00 | $25.00 | 1/21/2010 4:24:10 PM |
| piter-to-la-investment | $25.00 | $25.00 | 1/21/2010 4:24:28 PM |
| integrity-doctor | $50.00 | $50.00 | 1/21/2010 4:24:32 PM |
| pledge0 | $25.00 | $25.00 | 1/21/2010 4:24:37 PM |
| happyinvallarta | $50.00 | $50.00 | 1/21/2010 4:23:25 PM |
| Artist_Blue | $25.00 | $25.00 | 1/21/2010 4:20:47 PM |
| productive-ore | $25.00 | $25.00 | 1/21/2010 4:23:32 PM |
| MrDavid | $25.00 | $25.00 | 1/21/2010 4:25:21 PM |
| jrbill1998 | $50.00 | $50.00 | 1/21/2010 4:25:31 PM |
| famous-bill | $75.00 | $75.00 | 1/21/2010 4:23:41 PM |
| kmr2 | $60.00 | $60.00 | 1/21/2010 4:21:15 PM |
| gentle-note | $25.00 | $25.00 | 1/21/2010 4:25:34 PM |
| fostaman | $25.00 | $25.00 | 1/21/2010 4:23:47 PM |
| upbeat-investment9 | $25.00 | $25.00 | 1/21/2010 4:25:39 PM |
| handy-justice | $25.00 | $25.00 | 1/21/2010 4:21:31 PM |
| important-ore | $50.00 | $50.00 | 1/21/2010 4:21:34 PM |
| tremendous-payment | $25.00 | $25.00 | 1/21/2010 4:24:12 PM |
| maldok1 | $25.00 | $25.00 | 1/21/2010 4:26:14 PM |
| MidLifeCrisis | $25.00 | $25.00 | 1/21/2010 4:21:42 PM |
| Time | $25.00 | $25.00 | 1/21/2010 4:25:12 PM |
| junctionking | $25.00 | $25.00 | 1/21/2010 4:22:05 PM |
| paymentologist | $25.00 | $25.00 | 1/21/2010 4:26:45 PM |
| kanakakm | $25.00 | $25.00 | 1/21/2010 4:25:22 PM |
| bountiful-bazaar | $25.00 | $25.00 | 1/21/2010 4:22:10 PM |
| GElender | $50.00 | $50.00 | 1/21/2010 4:22:14 PM |
| loan-master996 | $50.00 | $50.00 | 1/21/2010 4:22:29 PM |
| Pizza-man | $50.00 | $50.00 | 1/21/2010 4:27:10 PM |
| E_G | $30.00 | $30.00 | 1/21/2010 4:27:15 PM |
| zento | $25.00 | $25.00 | 1/21/2010 4:23:07 PM |
| LOWCOUNTRYLENDER | $25.00 | $25.00 | 1/21/2010 4:23:15 PM |
| note-tent | $25.00 | $25.00 | 1/21/2010 4:28:07 PM |
| plentiful-reward | $50.00 | $50.00 | 1/21/2010 4:26:17 PM |
| beezling | $34.38 | $34.38 | 1/21/2010 4:23:20 PM |
| worldly-community3 | $25.00 | $25.00 | 1/21/2010 4:28:11 PM |
| peerlender | $30.00 | $30.00 | 1/21/2010 4:28:19 PM |
| Gladglide | $35.47 | $35.47 | 1/21/2010 4:23:30 PM |
| NDFIRTH | $50.00 | $50.00 | 1/21/2010 4:28:22 PM |
| AndyLee | $25.00 | $25.00 | 1/21/2010 4:28:25 PM |
| balance-voyager | $100.00 | $100.00 | 1/21/2010 4:26:38 PM |
| HamachiMan | $25.00 | $25.00 | 1/21/2010 4:26:42 PM |
| Premierelender | $25.00 | $25.00 | 1/21/2010 4:24:02 PM |
| gulch | $25.00 | $25.00 | 1/21/2010 4:29:13 PM |
| wayman | $50.00 | $50.00 | 1/21/2010 4:27:44 PM |
| reueljw | $25.00 | $25.00 | 1/21/2010 4:25:14 PM |
| crazycool | $25.00 | $25.00 | 1/21/2010 4:29:43 PM |
| kulender | $25.00 | $25.00 | 1/21/2010 4:29:45 PM |
| bill-expert | $25.00 | $25.00 | 1/21/2010 4:25:59 PM |
| red-trade-cologne | $25.00 | $25.00 | 1/21/2010 4:28:47 PM |
| OldFriend | $25.00 | $25.00 | 1/21/2010 4:26:07 PM |
| xstreamin | $25.00 | $25.00 | 1/21/2010 4:30:20 PM |
| WillyBobba | $25.00 | $25.00 | 1/21/2010 4:28:58 PM |
| calm-deal7 | $25.00 | $25.00 | 1/21/2010 4:29:03 PM |
| Beverly_Hills_Lender | $25.00 | $25.00 | 1/21/2010 4:26:19 PM |
| rock-turner | $25.00 | $25.00 | 1/21/2010 4:26:29 PM |
| reflective-cash0 | $50.00 | $50.00 | 1/21/2010 4:26:32 PM |
| aventurer | $25.00 | $25.00 | 1/21/2010 4:29:24 PM |
| bold-principal-thinker | $25.00 | $25.00 | 1/21/2010 4:26:35 PM |
| felicity-synapse | $25.00 | $25.00 | 1/21/2010 4:26:53 PM |
| credit-kahuna | $100.00 | $100.00 | 1/21/2010 4:27:23 PM |
| inspired-contract9 | $25.00 | $25.00 | 1/21/2010 4:32:33 PM |
| hyetech | $35.00 | $35.00 | 1/21/2010 4:30:27 PM |
| klinebarger | $25.00 | $25.00 | 1/21/2010 4:27:56 PM |
| reward-adventure | $25.00 | $25.00 | 1/21/2010 4:30:35 PM |
| Carpetkid | $25.00 | $25.00 | 1/21/2010 4:30:44 PM |
| techvet | $25.00 | $25.00 | 1/21/2010 4:28:10 PM |
| tsui517 | $25.00 | $25.00 | 1/21/2010 4:31:55 PM |
| one-midas | $25.00 | $25.00 | 1/21/2010 4:32:36 PM |
| Prosp_Lender | $50.00 | $50.00 | 1/21/2010 4:29:19 PM |
| Aimvest | $25.00 | $25.00 | 1/21/2010 4:32:44 PM |
| dmfog | $25.00 | $25.00 | 1/21/2010 4:29:30 PM |
| money-maniac | $50.00 | $50.00 | 1/21/2010 4:32:56 PM |
| The-CAPS-fan | $30.00 | $30.00 | 1/21/2010 4:29:50 PM |
| Lightlife | $37.43 | $37.43 | 1/21/2010 4:30:13 PM |
| bowdish1 | $100.00 | $100.00 | 1/21/2010 4:30:46 PM |
| harmonious-revenue7 | $25.00 | $25.00 | 1/21/2010 4:31:06 PM |
| top-silver-american | $25.00 | $25.00 | 1/21/2010 4:31:38 PM |
| zippy-interest | $25.00 | $25.00 | 1/21/2010 4:32:28 PM |
| CAGE-Investments | $100.00 | $100.00 | 1/21/2010 4:32:49 PM |
| minista | $25.00 | $25.00 | 1/21/2010 5:01:19 PM |
| worth-victor6 | $25.00 | $25.00 | 1/22/2010 7:40:06 AM |
| sparkmeister | $25.00 | $25.00 | 1/22/2010 4:34:01 PM |
| blackstar | $25.00 | $25.00 | 1/22/2010 6:01:23 PM |
| Bob450 | $25.00 | $25.00 | 1/22/2010 9:38:12 PM |
| 283 bids
|