Sales Report:Supplement No. 125 dated Jan 28, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 437669
This series of Notes was issued and sold upon the funding of the borrower loan #40624, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-20-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $94.56
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $94.49
 
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: 9 First credit line: Jul-2001 Debt/Income ratio: 30%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:6y 4m
Amount delinquent: $0 Revolving credit balance: $1,423 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 13%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: firefighter468 Borrower's state: Florida Borrower's group: EMS, FIRE, POLICE, MILITARY
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 pay off?my?credit card.? I am looking for a lower fixed interest rate .I am a good candidate for this loan because i am a full time firefighter and my wife is a full time Nurse for over 12 years. We are commited to serve our community in good and bad times regardless of the economy.

Upon reviewing my credit history you will see that we have a home that we have always paid the mortgage on, and on time.? I can assure the lender that?I?am not in any credit danger.

Monthly expenses: $
??Housing: $?600
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 230
??Phone, cable, internet: $ 85
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 120
??Other expenses: $ 0

Thanks. Please feel free to ask questions.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$25.00$25.001/20/2010 4:11:52 PM
lean-velocity$25.00$25.001/20/2010 4:12:06 PM
inspired-contract9$50.00$50.001/20/2010 4:35:24 PM
buukyak$25.00$25.001/20/2010 4:35:46 PM
Cai8899$75.00$75.001/20/2010 4:36:11 PM
meenan$25.00$25.001/20/2010 4:34:31 PM
durability-halibut$25.00$25.001/20/2010 4:36:59 PM
kulender$30.00$30.001/20/2010 4:35:05 PM
mikeandcat$100.00$100.001/20/2010 4:35:37 PM
laredotornado$25.00$25.001/20/2010 4:37:35 PM
schpere$30.00$30.001/20/2010 4:36:10 PM
bowdish1$100.00$100.001/20/2010 4:36:36 PM
balance6$25.00$25.001/20/2010 4:38:44 PM
thedoctor$90.00$90.001/20/2010 4:37:42 PM
commerce-web5$40.00$40.001/20/2010 4:37:52 PM
junctionking$25.00$25.001/20/2010 4:41:24 PM
Walkingcowboy$25.00$25.001/20/2010 4:35:36 PM
wampum-optimization$50.00$50.001/20/2010 4:36:04 PM
commerce-voyager$25.00$25.001/20/2010 4:40:29 PM
mlopez2007$50.00$50.001/20/2010 4:36:47 PM
heroic-platinum$25.00$25.001/20/2010 4:37:05 PM
AFairDeal$25.00$25.001/20/2010 4:37:09 PM
kmr2$60.00$60.001/20/2010 4:37:29 PM
selector568$500.00$500.001/20/2010 4:55:32 PM
AF-Chief$35.00$35.001/20/2010 4:57:09 PM
first-pragmatic-note$25.00$25.001/20/2010 4:41:09 PM
highcountry1$25.00$25.001/20/2010 7:22:07 PM
alpinaut$25.00$25.001/20/2010 8:37:05 PM
responsibility-butterfly$25.00$20.001/21/2010 7:52:35 AM
exciting-responsibility3$25.00$25.001/20/2010 4:35:02 PM
bchen78875$50.00$50.001/20/2010 4:35:10 PM
market-builder$25.00$25.001/20/2010 4:36:26 PM
majestic-dedication$50.00$50.001/20/2010 4:34:36 PM
dealarella$25.00$25.001/20/2010 4:36:37 PM
personal-lender$25.00$25.001/20/2010 4:34:41 PM
red-favorable-basis$25.00$25.001/20/2010 4:36:18 PM
delicious-social132$25.00$25.001/20/2010 4:36:30 PM
AmericanCredit$25.00$25.001/20/2010 4:37:26 PM
peerlender$30.00$30.001/20/2010 4:37:41 PM
financial-frenzy$25.00$25.001/20/2010 4:40:41 PM
friendly-market5$25.00$25.001/20/2010 4:34:26 PM
determined-contract$30.00$30.001/20/2010 4:37:59 PM
dollar-birdie$30.00$30.001/20/2010 4:38:04 PM
lloyd_s$25.00$25.001/20/2010 4:34:40 PM
GElender$50.00$50.001/20/2010 4:38:12 PM
credit-force5$25.00$25.001/20/2010 4:34:54 PM
leodaguy$25.00$25.001/20/2010 4:35:31 PM
kanakakm$50.00$50.001/20/2010 4:39:02 PM
wiselady$25.00$25.001/20/2010 4:39:17 PM
toblerone$50.00$50.001/20/2010 4:35:59 PM
djs81$25.00$25.001/20/2010 5:45:49 PM
rolandweary$30.00$30.001/20/2010 4:38:11 PM
honorable-yield$75.00$75.001/20/2010 4:38:33 PM
diplomatic-point4$75.00$75.001/20/2010 6:02:11 PM
aldenrains$25.00$25.001/20/2010 4:39:24 PM
orange-finance-banker$50.00$50.001/20/2010 6:10:19 PM
fortytwo$200.00$200.001/20/2010 4:48:58 PM
Supervark$25.00$25.001/20/2010 6:13:20 PM
first-fund-empenada$25.00$25.001/20/2010 11:26:57 PM
Mav26$200.00$200.001/21/2010 8:55:58 AM
60 bids
 
Borrower Payment Dependent Notes Series 442441
This series of Notes was issued and sold upon the funding of the borrower loan #40627, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $141.85
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $141.74
 
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: 9 First credit line: Aug-1990 Debt/Income ratio: 33%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:15y 9m
Amount delinquent: $0 Revolving credit balance: $17,362 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pound-karate 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
New Boiler @ Apt.
Purpose of loan:
This loan will be used to? replace gas boiler in my 5 unit apartment building

My financial situation:
I am a good candidate for this loan because?I have owned this apartment building for about 12 years and have greatly improved its' value.? However it is almost 100 years old and requires some major upgrades from time to time.? The boiler has developed a leak and it is not cost effective to repair.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Swabjockey$25.00$25.001/14/2010 4:24:12 PM
responsibility-butterfly$25.00$25.001/14/2010 4:21:21 PM
msbutah$25.00$25.001/14/2010 4:22:19 PM
discrete-asset$25.00$25.001/14/2010 4:27:41 PM
lean-velocity$25.00$25.001/14/2010 4:32:19 PM
kenji4861$25.00$25.001/14/2010 4:32:05 PM
first-pragmatic-note$25.00$25.001/14/2010 4:31:40 PM
rjblack$50.00$50.001/14/2010 4:39:10 PM
thedoctor$90.00$90.001/14/2010 4:39:52 PM
elasermd$50.00$50.001/14/2010 4:39:23 PM
AF-Chief$35.00$35.001/14/2010 4:42:45 PM
majestic-dedication$50.00$50.001/14/2010 4:40:05 PM
18th_beachbum$50.00$50.001/14/2010 4:40:16 PM
OCedHrt$25.00$25.001/14/2010 4:43:46 PM
intrepid-transaction5$25.00$25.001/14/2010 4:40:53 PM
mmqc$25.00$25.001/14/2010 4:44:24 PM
kulender$30.00$30.001/14/2010 4:41:16 PM
Fearless_Lender$25.00$25.001/14/2010 4:44:42 PM
bchen78875$50.00$50.001/14/2010 4:41:44 PM
Katburg$50.00$50.001/14/2010 4:41:58 PM
gulch$35.00$35.001/14/2010 4:42:05 PM
leodaguy$25.00$25.001/14/2010 4:42:13 PM
heroic-platinum$25.00$25.001/14/2010 4:45:30 PM
mikeandcat$100.00$100.001/14/2010 4:42:28 PM
AFairDeal$25.00$25.001/14/2010 4:45:34 PM
buukyak$25.00$25.001/14/2010 4:42:54 PM
bill-expert$25.00$25.001/14/2010 4:45:44 PM
wampum-optimization$50.00$50.001/14/2010 4:43:05 PM
OldFriend$25.00$25.001/14/2010 4:45:50 PM
schpere$30.00$30.001/14/2010 4:43:21 PM
toblerone$50.00$50.001/14/2010 4:43:01 PM
red-favorable-basis$25.00$25.001/14/2010 4:43:29 PM
diplomatic-point4$25.00$25.001/14/2010 4:46:04 PM
delicious-social132$25.00$25.001/14/2010 4:43:50 PM
alpinaut$25.00$25.001/14/2010 4:46:33 PM
Cai8899$75.00$75.001/14/2010 4:43:25 PM
blooming-market$25.00$25.001/14/2010 4:44:31 PM
Speculator$50.00$50.001/14/2010 4:47:21 PM
kmr2$60.00$60.001/14/2010 4:47:33 PM
mlopez2007$50.00$50.001/14/2010 4:45:01 PM
durability-halibut$25.00$25.001/14/2010 4:45:17 PM
industrious-dedication$25.00$25.001/14/2010 4:45:39 PM
financelover$50.00$50.001/14/2010 4:45:47 PM
Dutchhunter$50.00$50.001/14/2010 4:46:01 PM
Jassi$25.00$25.001/14/2010 4:46:49 PM
gracej$25.00$25.001/14/2010 4:46:55 PM
highcountry1$25.00$25.001/14/2010 4:47:07 PM
Fortuno_per_commodo$50.00$50.001/14/2010 4:58:36 PM
jsw7us$50.00$50.001/14/2010 4:48:47 PM
selector568$500.00$130.391/14/2010 5:05:33 PM
bigdogsafety1$25.00$25.001/14/2010 5:05:12 PM
wonderous-power$25.00$25.001/16/2010 4:15:16 AM
GarciaCompany$53.20$53.201/16/2010 8:28:45 PM
CHAZGEO6685$25.00$25.001/19/2010 1:41:14 AM
wise-balanced-moola$25.00$25.001/19/2010 7:23:38 PM
bkb7484$25.00$25.001/20/2010 2:46:02 AM
TigerForce$25.00$25.001/20/2010 4:25:51 PM
favorite-commerce$25.00$25.001/20/2010 6:59:10 PM
PrepWonder$25.00$25.001/21/2010 6:20:39 AM
dhallii$45.00$45.001/21/2010 5:55:17 AM
TJRCapital$30.00$30.001/21/2010 6:13:04 AM
first-fund-empenada$25.00$25.001/14/2010 4:21:40 PM
oceanwind1950$25.00$25.001/14/2010 4:25:01 PM
neenerman$75.00$75.001/14/2010 4:32:12 PM
meenan$25.00$25.001/14/2010 4:40:00 PM
lloyd_s$25.00$25.001/14/2010 4:40:24 PM
gold-commander0$50.00$50.001/14/2010 4:40:45 PM
credit-force5$25.00$25.001/14/2010 4:40:58 PM
exciting-responsibility3$25.00$25.001/14/2010 4:41:09 PM
Gibbyland$100.00$100.001/14/2010 4:41:24 PM
inspired-contract9$50.00$50.001/14/2010 4:41:53 PM
unk1911$25.00$25.001/14/2010 4:39:42 PM
friendly-market5$25.00$25.001/14/2010 4:39:37 PM
jbaum$100.00$100.001/14/2010 4:40:10 PM
personal-lender$25.00$25.001/14/2010 4:40:29 PM
first-upright-payout$50.00$50.001/14/2010 4:40:38 PM
junctionking$25.00$25.001/14/2010 4:40:49 PM
inventive-wealth2$25.00$25.001/14/2010 4:44:16 PM
nuclearmoose$25.00$25.001/14/2010 4:44:19 PM
figs4u2$80.00$80.001/14/2010 4:41:37 PM
faithey$25.00$25.001/14/2010 4:44:48 PM
dealarella$25.00$25.001/14/2010 4:44:53 PM
Walkingcowboy$25.00$25.001/14/2010 4:42:22 PM
shamrocker$25.00$25.001/14/2010 4:42:49 PM
Kaj$30.00$30.001/14/2010 4:42:38 PM
promiser200$25.00$25.001/14/2010 4:45:56 PM
AmericanCredit$25.00$25.001/14/2010 4:46:12 PM
Goodlender42$25.00$25.001/14/2010 4:43:13 PM
market-builder$25.00$25.001/14/2010 4:43:38 PM
bowdish1$100.00$100.001/14/2010 4:43:55 PM
SNH$50.00$50.001/14/2010 4:44:09 PM
elegant-income3$25.00$25.001/14/2010 4:43:34 PM
29Palms$25.00$25.001/14/2010 4:47:15 PM
supreme-hope$25.00$25.001/14/2010 4:44:04 PM
green-benefit-enclave$25.00$25.001/14/2010 4:44:36 PM
Cheburashka$30.00$30.001/14/2010 4:48:29 PM
red-trade-cologne$25.00$25.001/14/2010 4:48:42 PM
ijspence$25.00$25.001/14/2010 4:46:08 PM
DukSerduk$25.00$25.001/14/2010 4:46:21 PM
Havana21$50.00$50.001/14/2010 4:46:17 PM
microlendblvr$100.00$100.001/14/2010 4:46:41 PM
forthright-dedication$25.00$25.001/14/2010 4:46:45 PM
DadWarbucks$25.00$25.001/14/2010 4:48:22 PM
ryan23$25.00$25.001/14/2010 4:48:37 PM
greenwell$36.41$36.411/14/2010 4:48:30 PM
BrianCU15$50.00$50.001/14/2010 6:15:06 PM
compuguy8$25.00$25.001/15/2010 10:59:29 AM
Syzygy$25.00$25.001/17/2010 10:36:12 PM
HealthAndSafety$50.00$50.001/18/2010 9:00:24 AM
skillful-diversification2$25.00$25.001/18/2010 8:42:18 PM
Alsatian$60.00$60.001/19/2010 4:22:03 AM
wwwUniversal$25.00$25.001/19/2010 7:17:21 PM
JaceSpade$25.00$25.001/20/2010 5:30:58 PM
JerryB96$25.00$25.001/20/2010 5:39:43 PM
sprinkler5$25.00$25.001/20/2010 6:57:25 PM
sorace$50.00$50.001/21/2010 11:17:27 AM
sirguyon$100.00$100.001/21/2010 12:08:20 PM
wild-orange$25.00$25.001/21/2010 12:55:18 PM
kf88$25.00$25.001/21/2010 1:05:46 PM
jybank$25.00$25.001/21/2010 2:20:48 PM
120 bids
 
Borrower Payment Dependent Notes Series 442579
This series of Notes was issued and sold upon the funding of the borrower loan #40659, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $203.56
 
Auction yield range: 17.06% - 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: Nov-2007 Debt/Income ratio: 13%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $1,066 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: favorable-trade4 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
transportation & laptop for school
Purpose of loan:
This loan will be used to buy a reliable car so i have transportation to school, buy a laptop to make my assignments easier to complete and also to pay for 2 non-credit certification courses that will help improve my job qualifications in the future.

My financial situation:
I am a good candidate for this loan because i pay all my bills on time,?i'm determined to work as hard as i have to so i can complete my degree program and?enter the job market so i can start my career as an enviro. engineer

Monthly net income: $
1600
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 30
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.001/14/2010 4:25:47 PM
WalnutCreekguy$25.00$25.001/14/2010 4:38:42 PM
forthright-dedication$25.00$25.001/14/2010 4:38:49 PM
inspiring-reward$50.00$50.001/14/2010 4:38:53 PM
Phantom99$25.00$25.001/14/2010 4:38:56 PM
kt103099$25.00$25.001/14/2010 4:38:37 PM
Tammy102800$25.00$25.001/14/2010 4:38:40 PM
niceville80$25.00$25.001/14/2010 4:38:46 PM
MidLifeCrisis$25.00$25.001/14/2010 4:39:01 PM
SongBirdProphecy$25.00$25.001/14/2010 4:39:04 PM
larrybird$100.00$100.001/14/2010 4:38:51 PM
unk1911$25.00$25.001/14/2010 4:41:03 PM
time4aloan$25.00$25.001/14/2010 4:45:10 PM
zippy-interest$25.00$25.001/14/2010 4:44:13 PM
rock-turner$25.00$25.001/14/2010 4:47:54 PM
putian47$25.00$25.001/14/2010 4:45:32 PM
bold-principal-thinker$25.00$25.001/14/2010 4:45:58 PM
atothez$50.00$50.001/14/2010 4:46:52 PM
graceful-investment$25.00$25.001/14/2010 4:47:53 PM
bazzer$25.00$25.001/14/2010 5:13:36 PM
7arkahc$25.00$25.001/14/2010 5:13:24 PM
principal-kung-fu$25.00$25.001/14/2010 6:02:39 PM
red-ready-principal$100.00$100.001/14/2010 6:02:43 PM
careful-compassion$25.00$25.001/14/2010 6:02:38 PM
integrity-disk$25.00$25.001/14/2010 6:02:44 PM
productive-ore$25.00$25.001/14/2010 8:06:31 PM
hard-working-loot$25.00$25.001/15/2010 6:15:19 AM
treasure-amplifier6$25.00$25.001/15/2010 9:40:14 AM
DeltaComputerGuy$25.00$25.001/15/2010 10:40:12 AM
studious-responsibility$25.00$25.001/15/2010 9:40:11 AM
NorthernFunds$25.00$25.001/15/2010 11:00:45 AM
selfmademan$25.00$25.001/15/2010 11:17:02 AM
brightest-income-hunter$25.00$25.001/15/2010 12:49:43 PM
imlosttoo$25.00$25.001/15/2010 12:05:11 PM
CASHGIRL$25.00$25.001/15/2010 2:18:57 PM
exchange-cowbell5$150.00$150.001/15/2010 2:15:40 PM
scottr$25.00$25.001/15/2010 2:18:55 PM
retired272$25.00$25.001/17/2010 12:49:25 PM
investment-forte$25.00$25.001/17/2010 8:14:39 PM
falcon88dp$25.00$25.001/18/2010 1:51:10 PM
tuneman1980$25.00$25.001/18/2010 4:31:48 PM
DasMula$100.00$100.001/18/2010 5:18:51 PM
Rogelio48$25.00$25.001/19/2010 1:18:17 PM
peb44$25.00$25.001/19/2010 2:54:15 PM
three-for-6$100.00$100.001/19/2010 4:07:32 PM
well-mannered-income3$25.00$25.001/19/2010 4:51:27 PM
vivacious-p2p3$25.00$25.001/19/2010 5:16:57 PM
ore-bada-bing$25.00$25.001/19/2010 8:40:43 PM
burrito6$25.00$25.001/20/2010 6:45:27 AM
well-mannered-income3$25.00$25.001/20/2010 10:50:36 AM
OrdiNance$25.33$25.331/20/2010 12:20:22 PM
blkfroggy$25.00$25.001/20/2010 10:53:27 AM
mighty-pound4$25.00$25.001/20/2010 2:46:17 PM
Capit0l$25.00$25.001/20/2010 5:51:07 PM
rvfbroker$25.00$25.001/20/2010 6:53:00 PM
millioncan$25.00$25.001/20/2010 5:38:28 PM
Bob450$25.00$25.001/20/2010 8:57:44 PM
Tono$25.00$25.001/21/2010 3:50:40 PM
asset-control2$50.00$50.001/21/2010 3:54:22 PM
loss-of-control$25.00$25.001/21/2010 3:26:58 PM
Rob717171$25.00$25.001/14/2010 4:38:48 PM
handy-justice$50.00$50.001/14/2010 4:38:50 PM
delicious-social132$25.00$25.001/14/2010 4:38:54 PM
Orringo$50.00$50.001/14/2010 4:39:06 PM
note-tent$25.00$25.001/14/2010 4:38:38 PM
kegs$100.00$100.001/14/2010 4:38:44 PM
Soxxes$25.00$25.001/14/2010 4:38:58 PM
ryan23$25.00$25.001/14/2010 4:39:02 PM
return-tycoon3$25.00$25.001/14/2010 4:44:28 PM
Diamond_Jim$25.00$25.001/14/2010 4:44:57 PM
cklb$50.00$50.001/14/2010 4:46:05 PM
oceanwind1950$25.00$25.001/14/2010 4:46:04 PM
WMY-Investor$25.00$25.001/14/2010 4:48:31 PM
downbet$25.00$25.001/14/2010 6:02:43 PM
TrustinOthers$25.00$25.001/14/2010 6:02:40 PM
moola-phase$25.00$25.001/14/2010 6:02:41 PM
newest-greenback-force$25.00$25.001/14/2010 10:02:14 PM
RayEarth$25.00$25.001/14/2010 10:10:06 PM
djh47a$25.00$25.001/15/2010 6:15:15 AM
indomitable-dedication$25.00$25.001/15/2010 9:38:12 AM
market-builder$25.00$25.001/15/2010 9:40:13 AM
LR_Biker$25.00$25.001/15/2010 9:40:13 AM
jldallover$25.00$25.001/15/2010 11:50:27 AM
fuzed$25.00$25.001/15/2010 11:50:35 AM
p2ploan-leaper$25.00$25.001/15/2010 2:18:50 PM
topper480$25.00$25.001/15/2010 4:36:19 PM
famous-bill$75.00$75.001/16/2010 9:31:48 AM
PRGuyinVA$25.00$25.001/16/2010 1:01:05 PM
Ronnieboy888$25.00$25.001/17/2010 8:41:20 PM
thetropics18$25.00$25.001/18/2010 5:46:36 AM
fund-medalist171$25.00$25.001/17/2010 9:35:49 PM
vine99$65.00$65.001/18/2010 12:57:52 PM
neerglopnire$25.00$25.001/18/2010 2:01:33 PM
BankofBen$25.00$25.001/18/2010 4:25:37 PM
buffalobills$25.00$25.001/18/2010 5:55:02 PM
reflective-rupee$100.00$100.001/18/2010 7:15:03 PM
reflective-rupee$100.00$100.001/18/2010 7:15:19 PM
generalcamacho$59.56$59.561/19/2010 7:22:18 AM
brondero$45.00$45.001/19/2010 10:26:06 AM
red-ready-principal$150.00$150.001/19/2010 7:43:36 PM
euro-banker$25.00$25.001/20/2010 6:58:24 AM
historic-nickel$40.00$40.001/20/2010 6:24:23 AM
Heliosky77$25.00$25.001/20/2010 11:05:57 AM
thomas16882004$100.00$100.001/20/2010 5:16:17 PM
ritchie70$25.00$25.001/20/2010 5:25:12 PM
debestof83$35.91$35.911/21/2010 5:49:28 AM
dancingeagle$50.00$3.401/21/2010 7:44:51 AM
Kqwik$25.80$25.801/21/2010 9:05:20 AM
DasMula$25.00$25.001/21/2010 10:05:25 AM
ore-bada-bing$200.00$200.001/21/2010 10:12:55 AM
jtc26$25.00$25.001/21/2010 11:28:29 AM
eureka117$25.00$25.001/21/2010 12:25:37 PM
Frankk2$25.00$25.001/21/2010 11:57:42 AM
innovator2$25.00$25.001/21/2010 12:41:13 PM
Leshan$25.00$25.001/21/2010 1:03:32 PM
Laxa$25.00$25.001/21/2010 3:00:03 PM
realtormoises$25.00$25.001/21/2010 2:41:17 PM
Eloise62$75.00$75.001/21/2010 3:55:23 PM
jpf27$100.00$100.001/21/2010 3:56:36 PM
119 bids
 
Borrower Payment Dependent Notes Series 442581
This series of Notes was issued and sold upon the funding of the borrower loan #40586, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 25.99% Starting monthly payment: $117.23
Final lender yield: 18.11% Final borrower rate/APR: 19.11% / 21.34% Final monthly payment: $110.13
 
Auction yield range: 8.06% - 22.70% Estimated loss impact: 8.42%  
Lender servicing fee: 1.00% Estimated return: 9.69%  
<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-1994 Debt/Income ratio: 6%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $2,229 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: active-coin4 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 for University
Purpose of loan:
This loan will be used to further my education.

My financial situation:
I am a good candidate for this loan because of my good credit and intense work habits. I'm a responsible hard working man

Monthly net income: $ 4333

Monthly expenses: $ 1000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Will you continue working full time as you attend school? Where will you attend school? What degree are you working towards? Thanks and best wishes. - reflective-rupee
A: Yes i will continue working full time as i attend school. I will be taking online studies from home. The class are for forex currency exchange. Thank you (Jan-19-2010)
Q: Can you briefly explain your income and employment status more? Is this monthly amount before or after taxes are taken out? Also, does the amount listed include your significant others income or is this separate? - SmartConsolidation
A: I'm a director of a Golds Gym. I'm also a nutritionist with private clients nationally. My total income is based after taxes monthly. My spouse's income is not included on my listing. (Jan-21-2010)
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: Thank you. My monthly payments are very minimal. My rent is $1000 a month. My wife and i split that in half. No car loans. No personal loans. 1 credit card with a payment . That's about $100 a month on my Master Card. No mortgages. Monthly utilities around $150. My wife and i split everything down the middle. Including food and other living expenses. (Jan-21-2010)
Q: Please break down your monthly expenses (1,000 does not make any sense)? How members in your household? Please answer publicly. Thanks and good luck with the funding! - zento
A: Thank you. My monthly payments are very minimal. My rent is $1000 a month. My wife and i split that in half. No car loans. No personal loans. 1 credit card with a payment . That's about $100 a month on my Master Card. No mortgages. Monthly utilities around $150. My wife and i split everything down the middle. Including food and other living expenses. (Jan-21-2010)
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: Thank you. My monthly payments are very minimal. My rent is $1000 a month. My wife and i split that in half. No car loans. No personal loans. 1 credit card with a payment . That's about $100 a month on my Master Card. No mortgages. Monthly utilities around $150. My wife and i split everything down the middle. Including food and other living expenses. (Jan-21-2010)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loan_doctor$25.00$25.001/19/2010 10:15:56 AM
Streamfeeder$25.00$25.001/19/2010 4:11:04 PM
SolarMoonshine$25.00$25.001/19/2010 4:13:02 PM
natural-greenback6$25.00$25.001/21/2010 4:21:33 PM
Badsland$25.00$25.001/21/2010 4:58:33 PM
vine99$65.00$65.001/21/2010 6:22:16 PM
hellasow$25.00$25.001/22/2010 8:59:01 AM
wild_carrot$25.00$25.001/22/2010 9:37:23 AM
cu2maro$50.00$50.001/22/2010 11:52:55 AM
enthusiastic-market2$40.00$40.001/22/2010 3:20:52 PM
YeoLenderSource$25.00$25.001/22/2010 4:33:33 PM
Crystalprop$25.00$25.001/22/2010 4:32:47 PM
durability-colonel$50.00$50.001/22/2010 10:02:40 PM
Nicedad72$25.00$25.001/22/2010 11:03:31 PM
Logan7$25.00$25.001/23/2010 8:11:16 AM
CoolPlexer$25.00$25.001/23/2010 8:47:24 AM
LendToCause$25.00$25.001/23/2010 11:39:23 AM
nalaari$56.85$56.851/23/2010 12:54:46 PM
Jaxfan11$25.00$25.001/23/2010 6:01:08 PM
gilbrear$25.00$25.001/23/2010 6:42:33 PM
motivator72$25.00$25.001/24/2010 7:43:39 AM
2seriousteachers$25.00$25.001/24/2010 9:01:05 AM
kind-bid-maverick$25.00$25.001/24/2010 3:15:43 PM
kendigme$28.13$28.131/25/2010 2:48:35 AM
Leshan$25.00$25.001/25/2010 7:47:34 AM
LesPaul1$25.00$25.001/25/2010 8:52:06 AM
Astyanax$25.00$25.001/25/2010 10:21:07 AM
italisvital$26.55$26.551/25/2010 10:02:08 AM
tagkat$31.99$31.991/25/2010 10:44:56 AM
eprometheus$63.00$63.001/25/2010 10:51:11 AM
dudebrah$26.00$26.001/25/2010 2:09:09 PM
dustman$25.00$25.001/25/2010 4:19:02 PM
Sang1963$25.00$25.001/25/2010 5:25:45 PM
exchange-cowbell5$100.00$100.001/25/2010 5:39:55 PM
AM2008$25.00$25.001/25/2010 5:38:07 PM
medman$96.96$96.961/25/2010 5:53:33 PM
scamps$50.00$50.001/25/2010 8:54:09 PM
JCM_MN$25.00$25.001/25/2010 8:06:59 PM
icecoldcash$50.00$50.001/25/2010 10:32:00 PM
glenium$25.00$25.001/26/2010 3:18:56 AM
Robbdogg$35.39$35.391/26/2010 6:34:50 AM
sorace$50.00$50.001/26/2010 6:54:59 AM
eBankInvest$35.00$35.001/26/2010 8:56:53 AM
DasMula$50.00$50.001/26/2010 8:58:19 AM
bevans$25.00$25.001/26/2010 9:55:45 AM
fireferd$68.19$68.191/26/2010 9:42:09 AM
TJRCapital$30.00$30.001/26/2010 9:58:26 AM
bonus-quark4$25.00$25.001/26/2010 9:49:11 AM
carrinel$100.00$100.001/23/2010 10:37:34 AM
brondero$100.00$100.001/19/2010 10:29:12 AM
Syzygy$25.00$25.001/19/2010 2:03:51 PM
marwadi-62$50.00$50.001/21/2010 5:13:56 PM
friendly-worth3$25.00$25.001/22/2010 10:10:38 AM
himanshuko$30.00$30.001/22/2010 1:24:47 PM
dood2112$25.00$25.001/22/2010 3:50:46 PM
Snoopylover$25.00$25.001/22/2010 5:50:38 PM
scottr$25.00$25.001/22/2010 6:05:04 PM
fabeasy$25.00$25.001/23/2010 8:33:51 AM
hillerod$25.00$25.001/23/2010 11:45:32 AM
piter-to-la-investment$50.00$50.001/23/2010 12:16:37 PM
SmartBanking$25.00$25.001/23/2010 2:31:51 PM
kttalamo$25.00$25.001/23/2010 9:23:52 PM
DaddyBill$25.00$25.001/24/2010 8:25:59 AM
Montgomery-Burns$25.00$25.001/24/2010 8:35:54 AM
Capital_Infusion$25.00$25.001/24/2010 6:07:51 PM
Your_Bank$25.00$25.001/24/2010 6:14:50 PM
bst$80.00$80.001/24/2010 7:36:40 PM
juxtapose$25.00$25.001/24/2010 7:06:55 PM
dpries123$25.00$25.001/25/2010 6:28:12 AM
PotBellyPete$50.00$50.001/25/2010 8:38:44 AM
Astyanax$25.00$25.001/25/2010 10:21:38 AM
farchoir$25.00$25.001/25/2010 11:15:35 AM
realtormoises$25.00$25.001/25/2010 1:12:27 PM
nomad54$25.00$25.001/25/2010 6:18:34 PM
jcw3rd$25.00$25.001/25/2010 6:23:23 PM
billybragg$25.00$25.001/25/2010 7:39:38 PM
Cashlender1992$25.00$25.001/25/2010 6:46:16 PM
atlrealtor$50.00$50.001/25/2010 9:18:03 PM
icecoldcash$25.00$25.001/25/2010 10:32:21 PM
kendigme$29.53$29.531/26/2010 3:19:00 AM
orange-pound-party$50.00$50.001/26/2010 6:44:02 AM
bondhedger$25.00$17.411/26/2010 7:08:34 AM
HomerdohNY$25.00$25.001/26/2010 7:49:21 AM
Mindful7$25.00$25.001/26/2010 9:00:08 AM
thebadpelican$25.00$25.001/26/2010 9:07:38 AM
TommyTucker$40.00$40.001/26/2010 9:57:17 AM
86 bids
 
Borrower Payment Dependent Notes Series 442755
This series of Notes was issued and sold upon the funding of the borrower loan #40641, 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-15-2010 
  Auction end date:  Jan-22-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 18.57% Final monthly payment: $34.62
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.81%  
Lender servicing fee: 1.00% Estimated return: 7.09%  
<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: 9 First credit line: Feb-2008 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 2Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $256 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: top-gain-mogul 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
LONGSHOREMAN UNION FEE
Purpose of loan:
The purpose of this loan is to help me pay the fee required in order for me to join my local longshoreman union $1500 fee I have $500 ready, After I have joined the union I will be earning $24 hourly with an average work week of 20 hours
My financial situation:
I am a good candidate for this loan because I already have a part-time job in place that pays weekly and I intend on keeping this job for even more security until the loan is satisfied. Monthly payments will not be a problem and will be on time! This also will be the last time I apply with Prosper because I'm not having much progress here and my credit score is totally wrong(currently 717 not 679? double checked many times.) and I'm running out of time to join the union because they will close the books soon it only opens up every 2 years or so. If you are interested in this loan please do not hesitate I can assure you your money is safe with me 1000 percent!!
Monthly net income: $
Currently $818 after the loan anywhere from $1200-2200 monthly
Monthly expenses: $
??Housing: $?200?I still stay at home just?contribute to a small portion of the mortgage.
??Insurance: $?0 under a relative's insurance.
??Car expenses: $ 0 1995 Chevy Corsica car is paid off.
??Utilities: $ 0 see housing
??Phone, cable, internet: $ 88 cell phone bill.
??Food, entertainment: $?60 monthly
??Clothing, household expenses $ 0 none.
??Credit cards and other loans: $ 15 monthly.
??Other expenses: $ 0 don't go out much or party just work and home.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
PHUCKYOUAZZHOLE$25.00$25.001/21/2010 4:17:34 PM
marwadi-62$100.00$100.001/21/2010 5:11:16 PM
sknop64$35.00$35.001/21/2010 10:25:20 PM
glenium$25.00$25.001/22/2010 10:10:54 AM
astro128$40.00$40.001/22/2010 11:08:54 AM
nalaari$25.00$25.001/22/2010 11:09:31 AM
SCRUGZY$25.00$25.001/22/2010 3:19:10 PM
ksamba$50.00$50.001/22/2010 3:09:47 PM
simiray$25.00$25.001/22/2010 3:34:44 PM
Engineer44$30.00$19.561/22/2010 3:57:28 PM
ScottFinance$25.00$25.001/21/2010 6:38:30 PM
wild-orange$25.00$25.001/22/2010 12:59:04 AM
Leshan$25.00$25.001/22/2010 7:41:34 AM
interact$25.00$25.001/22/2010 7:46:40 AM
ferengi_finance$25.44$25.441/22/2010 9:44:40 AM
PotBellyPete$25.00$25.001/22/2010 9:45:16 AM
jslo722$25.00$25.001/22/2010 9:55:37 AM
ihelpunow$50.00$50.001/22/2010 10:03:07 AM
TJRCapital$25.00$25.001/22/2010 10:37:21 AM
pedestrianme$25.00$25.001/22/2010 11:20:05 AM
natural-greenback6$25.00$25.001/22/2010 11:42:24 AM
hoss359$50.00$50.001/22/2010 11:25:59 AM
myduck$50.00$50.001/22/2010 11:55:18 AM
luminant$25.00$25.001/22/2010 12:49:51 PM
ore-bada-bing$100.00$100.001/22/2010 1:36:13 PM
IFGINVEST$30.00$30.001/22/2010 2:41:25 PM
Capit0l$25.00$25.001/22/2010 2:59:25 PM
safe-bid5$25.00$25.001/22/2010 3:05:05 PM
jcw3rd$25.00$25.001/22/2010 3:51:56 PM
29 bids
 
Borrower Payment Dependent Notes Series 442763
This series of Notes was issued and sold upon the funding of the borrower loan #40647, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $249.48
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $246.24
 
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: 7 First credit line: Nov-1980 Debt/Income ratio: 24%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Retired
Now delinquent: 0 Total credit lines: 17Length of status:25y 8m
Amount delinquent: $0 Revolving credit balance: $1,097Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35% 
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: repayment-excellence 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
Paying off accounts
Purpose of loan:
This loan will be used to? repay other loans to save money

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

Monthly net income: $ 4006.

Monthly expenses: $
??Housing: $ 235.
??Insurance: $ 80.
??Car expenses: $ 45.
??Utilities: $ 125.????????????????????????
??Phone, cable, internet: $100.
??Food, entertainment: $200.
??Clothing, household expenses $ 00.
??Credit cards and other loans: $ 250.
??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: Please list the balances of each of your debts, including mortgages. Please indicate the current value of your home (feel free to use zillow.com). thanks and best wishes. - reflective-rupee
A: Mortgage Bal $82,700. value $90,500. Automobile $425.76 per month Loans $650.per month Credit cards Kohl's $475. Meijers $1,950. Juniper card $1,200. Exp, phone,cable electric $560. per month Household Food and Gas $550. per month (Jan-24-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.001/19/2010 10:04:15 AM
omerta6102$50.00$50.001/19/2010 10:18:19 AM
pythia$25.00$25.001/19/2010 10:18:03 AM
Au-Ag-Pt$25.00$25.001/19/2010 10:26:27 AM
fortytwo$50.00$50.001/19/2010 10:30:32 AM
KevinC_63366$25.00$25.001/19/2010 10:29:56 AM
whynormal$25.00$25.001/19/2010 10:30:54 AM
head$25.00$25.001/19/2010 10:32:48 AM
treasure-bliss$100.00$100.001/19/2010 10:28:58 AM
natecam$25.00$25.001/19/2010 10:30:00 AM
cunning-bill$25.00$25.001/19/2010 10:33:47 AM
natural-greenback6$25.00$25.001/19/2010 10:35:15 AM
AFairDeal$25.00$25.001/19/2010 10:31:13 AM
industrious-dedication$25.00$25.001/19/2010 10:31:25 AM
bold-principal-thinker$25.00$25.001/19/2010 10:31:56 AM
listing-trapper3$50.00$50.001/19/2010 10:32:25 AM
FeedTheMachine$200.00$200.001/19/2010 10:33:16 AM
Rattlehead$25.00$25.001/19/2010 10:33:37 AM
GMOD026$25.00$25.001/19/2010 10:34:15 AM
BlindJoeDeath$25.00$25.001/19/2010 10:34:23 AM
rock-turner$25.00$25.001/19/2010 10:36:53 AM
orange-preeminant-bill$100.00$100.001/19/2010 10:46:48 AM
Artist_Blue$25.00$25.001/19/2010 10:52:48 AM
EnigmaNYC-29$50.00$50.001/19/2010 10:56:06 AM
compassion-paladin042$25.00$25.001/19/2010 10:53:04 AM
KiwiElf$25.00$25.001/19/2010 10:54:55 AM
TCayce$25.00$25.001/19/2010 10:56:21 AM
brutusbone$25.00$25.001/19/2010 10:57:12 AM
NorthernFunds$25.00$25.001/19/2010 11:13:36 AM
papaloha$50.00$50.001/19/2010 11:13:45 AM
handy-justice$25.00$25.001/19/2010 11:14:02 AM
decisive-capital$50.00$50.001/19/2010 11:14:12 AM
Phantom99$25.00$25.001/19/2010 11:15:26 AM
copper$30.00$30.001/19/2010 11:15:54 AM
circuitfive$25.00$25.001/19/2010 11:13:51 AM
red-favorable-basis$25.00$25.001/19/2010 11:16:08 AM
apeloans$25.00$25.001/19/2010 11:14:06 AM
samo102us$25.00$25.001/19/2010 11:16:35 AM
Gibbyland$50.00$50.001/19/2010 11:16:42 AM
supreme-hope$25.00$25.001/19/2010 11:16:51 AM
Shepherd7$25.00$25.001/19/2010 11:15:10 AM
seisen$100.00$100.001/19/2010 11:17:35 AM
redbomb5$25.00$25.001/19/2010 11:15:55 AM
greenwell$25.00$25.001/19/2010 11:17:56 AM
dinero-mason$50.00$50.001/19/2010 11:18:07 AM
time4aloan$30.00$30.001/19/2010 11:16:17 AM
WalnutCreekguy$25.00$25.001/19/2010 11:12:17 AM
ingenious-deal6$25.00$25.001/19/2010 11:17:45 AM
happyaric$100.00$100.001/19/2010 11:13:58 AM
purdue98$25.00$25.001/19/2010 11:18:40 AM
orange-vigilance-shower$25.00$25.001/19/2010 11:19:23 AM
108lender$75.00$32.611/19/2010 11:20:39 AM
skro$25.00$25.001/19/2010 11:18:18 AM
junctionking$25.00$25.001/19/2010 11:18:56 AM
GElender$25.00$25.001/19/2010 11:19:32 AM
yield-lion$25.00$25.001/19/2010 11:20:18 AM
falcon88dp$25.00$25.001/19/2010 11:26:25 AM
JustMee$25.00$25.001/20/2010 5:46:20 AM
Bob450$25.00$25.001/20/2010 9:36:01 AM
UCLA4life$25.00$25.001/21/2010 8:18:16 AM
Digs$25.00$25.001/22/2010 9:38:13 AM
ChrisKwan$25.00$25.001/22/2010 9:39:12 AM
BrighterSuns$25.00$25.001/22/2010 12:44:15 PM
JauaFlash$25.00$25.001/22/2010 12:40:47 PM
BBL$25.00$25.001/22/2010 4:32:43 PM
DollaDollaBill$25.00$25.001/22/2010 4:49:38 PM
piter-to-la-investment$25.00$25.001/22/2010 5:03:20 PM
passivesf$25.00$25.001/22/2010 5:14:02 PM
SolarMoonshine$100.00$100.001/22/2010 5:18:59 PM
aztec$55.00$55.001/22/2010 5:33:26 PM
b-rent$25.00$25.001/22/2010 5:48:01 PM
durability-colonel$50.00$50.001/22/2010 10:04:16 PM
juxtapose$25.00$25.001/23/2010 9:25:59 AM
motivator72$25.00$25.001/24/2010 7:44:28 AM
phchristensen$50.00$50.001/24/2010 10:09:19 AM
bst$25.00$25.001/24/2010 7:47:21 PM
bst$25.00$25.001/24/2010 7:41:59 PM
Leshan$25.00$25.001/25/2010 7:54:07 AM
wwwUniversal$25.00$25.001/25/2010 10:35:47 AM
elegant-income3$25.00$25.001/25/2010 11:16:44 AM
Rogelio48$35.00$35.001/25/2010 11:24:46 AM
tcbmc$25.00$25.001/25/2010 12:13:27 PM
computers-er$34.88$34.881/25/2010 1:04:25 PM
draggon77$30.00$30.001/25/2010 11:57:01 AM
realtormoises$25.00$25.001/25/2010 1:13:13 PM
riverflow$28.41$28.411/25/2010 2:07:43 PM
FinDoc$25.00$25.001/25/2010 4:25:12 PM
Cashlender1992$25.00$25.001/25/2010 6:48:14 PM
PerryTech$25.00$25.001/26/2010 6:36:11 AM
porwestco$25.00$25.001/26/2010 6:53:11 AM
lend42013$25.00$25.001/25/2010 3:34:51 PM
oldmora$25.00$25.001/19/2010 10:14:41 AM
yeti888$25.00$25.001/19/2010 10:28:39 AM
note-tent$25.00$25.001/19/2010 10:30:15 AM
zen1cent$25.00$25.001/19/2010 10:30:46 AM
PatRichi$25.00$25.001/19/2010 10:30:05 AM
bnlforever$25.00$25.001/19/2010 10:27:03 AM
akesef$25.00$25.001/19/2010 10:32:06 AM
zippy-interest$25.00$25.001/19/2010 10:34:09 AM
Wellman$100.00$100.001/19/2010 10:34:44 AM
djh47a$25.00$25.001/19/2010 10:30:41 AM
green-careful-community$25.00$25.001/19/2010 10:31:10 AM
GMPK_TLAS$25.00$25.001/19/2010 10:34:58 AM
derec$25.00$25.001/19/2010 10:36:28 AM
silver-armada$50.00$50.001/19/2010 10:32:42 AM
AKgirl81$25.00$25.001/19/2010 10:33:14 AM
mtquan$25.00$25.001/19/2010 10:34:33 AM
five-star-note$35.00$35.001/19/2010 10:40:44 AM
nourishing-hope835$25.00$25.001/19/2010 10:34:56 AM
graceful-investment$50.00$50.001/19/2010 10:36:43 AM
AF-Chief$28.00$28.001/19/2010 10:46:34 AM
asmithj$50.00$50.001/19/2010 10:54:45 AM
whatknows$25.00$25.001/19/2010 10:56:12 AM
desertoasis$25.00$25.001/19/2010 11:00:07 AM
runner262$25.00$25.001/19/2010 10:55:59 AM
kmr2$50.00$50.001/19/2010 11:13:39 AM
coin-investor$25.00$25.001/19/2010 11:07:15 AM
bountiful-bazaar$25.00$25.001/19/2010 11:15:38 AM
delivery$25.00$25.001/19/2010 11:16:03 AM
lending-bear$25.00$25.001/19/2010 11:16:20 AM
MidLifeCrisis$25.00$25.001/19/2010 11:14:10 AM
famous-bill$25.00$25.001/19/2010 11:14:19 AM
intuitive-bill$25.00$25.001/19/2010 11:14:45 AM
bassman2$25.00$25.001/19/2010 11:16:33 AM
SNH$50.00$50.001/19/2010 11:16:43 AM
melodious-fairness$25.00$25.001/19/2010 11:19:08 AM
DRA-Properties$25.00$25.001/19/2010 11:19:17 AM
SirJev$25.00$25.001/19/2010 11:20:27 AM
xzec777$25.00$25.001/19/2010 11:18:42 AM
benefit-squirrel$25.00$25.001/19/2010 11:14:41 AM
intrepid-transaction5$25.00$25.001/19/2010 11:19:00 AM
steves73$25.00$25.001/19/2010 11:19:09 AM
unk1911$25.00$25.001/19/2010 11:15:16 AM
secobarbital$25.00$25.001/19/2010 11:19:39 AM
loan-master996$50.00$50.001/19/2010 11:19:45 AM
delicious-social132$25.00$25.001/19/2010 11:15:43 AM
Dubbs360$100.00$100.001/19/2010 11:17:00 AM
merriewold$25.00$25.001/19/2010 11:17:50 AM
rdecartus$25.00$25.001/19/2010 11:18:15 AM
affluence-tycoon$25.00$25.001/19/2010 11:19:24 AM
exact-loan5$30.00$30.001/19/2010 11:19:56 AM
bulabula$25.00$25.001/19/2010 11:20:00 AM
penny-surgeon$25.00$25.001/19/2010 11:22:40 AM
inspiring-reward$50.00$50.001/19/2010 11:37:09 AM
melodious-fairness$25.00$25.001/19/2010 2:50:43 PM
NYretire$25.00$25.001/21/2010 6:41:41 PM
bold-dynamic-silver$25.00$25.001/21/2010 11:32:42 PM
ihelpunow$50.00$50.001/22/2010 10:07:40 AM
JoeyPaulGowdy$25.00$25.001/22/2010 10:25:56 AM
CC911$25.00$25.001/22/2010 1:10:53 PM
gpuck$25.00$25.001/22/2010 5:00:19 PM
bid-papyrus$25.00$25.001/22/2010 5:32:39 PM
Helenska11$25.00$25.001/22/2010 5:59:03 PM
localsports38$25.00$25.001/23/2010 12:41:16 AM
himistu22$31.10$31.101/23/2010 2:09:21 PM
Cromag$25.00$25.001/23/2010 10:13:21 PM
silvercertificate$25.00$25.001/24/2010 6:19:12 AM
jguerrajr$25.00$25.001/24/2010 7:19:44 AM
loss-of-control$25.00$25.001/24/2010 1:52:46 PM
Your_Bank$25.00$25.001/24/2010 6:17:55 PM
duty-sensai$50.00$50.001/25/2010 2:22:36 AM
unger$50.00$50.001/25/2010 7:46:34 AM
loan-fate$50.00$50.001/25/2010 10:08:30 AM
rakey$25.00$25.001/25/2010 10:27:24 AM
teltech$25.00$25.001/25/2010 12:16:22 PM
value-crusader5$25.00$25.001/25/2010 12:54:15 PM
skillful-asset5$75.00$75.001/25/2010 4:11:32 PM
Techne_Funds_LLC$25.00$25.001/25/2010 4:40:34 PM
loss-of-control$25.00$25.001/25/2010 6:35:02 PM
brilliant-balance$25.00$25.001/25/2010 6:56:19 PM
icecoldcash$25.00$25.001/25/2010 10:33:00 PM
icecoldcash$25.00$25.001/25/2010 10:33:15 PM
jfs1179$25.00$25.001/26/2010 1:00:57 AM
The-CAPS-fan$25.00$25.001/26/2010 7:20:28 AM
umfan123$25.00$25.001/26/2010 7:52:42 AM
DasMula$50.00$50.001/26/2010 9:00:55 AM
arzan$125.00$125.001/26/2010 9:29:19 AM
177 bids
 
Borrower Payment Dependent Notes Series 442807
This series of Notes was issued and sold upon the funding of the borrower loan #40644, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 29.33% Final monthly payment: $244.95
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.88%  
Lender servicing fee: 1.00% Estimated return: 10.12%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-2000 Debt/Income ratio: 6%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:13y 8m
Amount delinquent: $0 Revolving credit balance: $1,966 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Lilybell Borrower's state: Missouri Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
540-559 (Nov-2007)
520-539 (Apr-2007)
520-539 (Mar-2007)
 
Principal balance: $970.84 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
paying off credit cards
Purpose of loan:
We would like to have just one monthly payment?

My financial situation:
We are in very good shape actually.? We have about $2000 dollars of credit card debt, and a prosper loan for another thousand.? We have?$1500 in tax debt to pay off as well.? All of these are very managable and we make all our payments on time.? We are buying a house in a few months and are looking to get our credit card debt?down to near zero.? Installment debt is veiwed differently by the credit bureaus and this should help us get a better rate, clean up our debt, and have money in the bank for closing costs.? We have been paying on our previous Prosper loan for a little over 2 years and with the funding of this loan we will completely pay off the first.? We had an excellent experience with Prosper the first time and look foward to using the service again.

Monthly net income:?$4200 - $6000 (depending on overtime worked)

Monthly expenses: $ 3034
??Housing:?$1120
??Insurance:?$84
??Car expenses:?$384
??Utilities: $250
??Phone, cable, internet: $96
??Food, entertainment: $400
??Clothing, household expenses: $150
??Credit cards and other loans: $400
??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: It certainly looks like you're moving in the right direction; keep up the good work!! - Catz_aplenty
A: Thanks, we didnt ruin our credit over night, and it sure has taken awhile to rebuild it. Thanks to everyone who bid this and then bid it down, your trust is not misplaced. (Jan-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
carrinel$76.00$76.001/23/2010 10:43:01 AM
CA_Lender$25.00$25.001/19/2010 10:10:31 AM
golffish2$100.00$100.001/20/2010 8:24:07 AM
bankrushing$40.62$40.621/21/2010 9:00:14 PM
twjh$25.00$25.001/22/2010 9:06:17 AM
reflective-rupee$100.00$100.001/22/2010 9:54:54 AM
srthsvghdthtr$25.00$25.001/22/2010 10:05:19 AM
afterhours$25.00$25.001/22/2010 8:30:45 PM
RainMakers$25.00$25.001/22/2010 8:10:57 PM
rmpedi33$50.00$50.001/23/2010 12:01:34 PM
five-star-note$75.00$75.001/23/2010 5:26:34 PM
lucrative-durability$25.00$25.001/23/2010 11:03:10 PM
RadarLuv$25.00$25.001/24/2010 5:25:40 AM
motivator72$25.00$25.001/24/2010 7:45:32 AM
phchristensen$50.00$50.001/24/2010 10:11:21 AM
gpuck$25.00$25.001/24/2010 10:51:38 AM
Chewbaca$25.00$25.001/24/2010 10:47:37 AM
Snoopylover$25.00$25.001/24/2010 11:12:33 AM
rate-apricot1$25.00$25.001/24/2010 2:53:02 PM
deepblue34$25.00$25.001/24/2010 3:28:27 PM
peregrine$25.00$25.001/24/2010 7:52:46 PM
golffish2$200.00$200.001/25/2010 4:11:26 AM
martymaniaman$50.00$50.001/25/2010 6:17:46 AM
Leshan$100.00$100.001/25/2010 7:57:26 AM
credit-sasquatch3$50.00$50.001/25/2010 9:12:44 AM
credit-missile$150.00$150.001/25/2010 10:26:12 AM
Astyanax$50.00$50.001/25/2010 10:25:05 AM
tcbmc$25.00$25.001/25/2010 12:05:35 PM
exchange-cowbell5$100.00$100.001/25/2010 11:38:49 AM
realtormoises$25.00$25.001/25/2010 1:13:55 PM
nilonc1$25.00$25.001/25/2010 1:44:09 PM
gary500$25.00$25.001/25/2010 2:59:04 PM
p2p-journey$52.75$52.751/25/2010 4:36:06 PM
innovator2$50.00$50.001/25/2010 5:10:49 PM
FinanceEngine$25.00$25.001/25/2010 5:37:27 PM
portfolio-turbine$25.00$25.001/25/2010 6:00:39 PM
natural-greenback6$25.00$25.001/25/2010 7:15:29 PM
ore-bada-bing$250.00$13.061/25/2010 8:57:00 PM
Rulea72$65.08$65.081/25/2010 8:07:23 PM
clemclan$25.00$25.001/25/2010 8:26:25 PM
bunnybear$35.71$35.711/25/2010 9:42:45 PM
Bob450$50.00$50.001/25/2010 10:53:05 PM
Skeptical-one$100.00$100.001/26/2010 6:27:50 AM
orange-pound-party$25.00$25.001/26/2010 6:52:34 AM
fireferd$150.00$150.001/26/2010 9:32:10 AM
DasMula$75.00$75.001/26/2010 9:01:53 AM
inspired-basis$50.00$50.001/26/2010 9:37:07 AM
Aberdeen$300.00$300.001/20/2010 2:11:20 PM
SolarMoonshine$100.00$100.001/20/2010 5:39:23 PM
JackinGreen$50.00$50.001/20/2010 7:59:51 PM
uvumf$60.00$60.001/21/2010 8:36:43 PM
RPR$90.00$90.001/22/2010 2:19:15 AM
golffish2$200.00$200.001/22/2010 5:49:13 AM
FarmersBank$26.34$26.341/22/2010 7:47:17 AM
reflective-rupee$100.00$100.001/22/2010 9:55:27 AM
reflective-rupee$100.00$100.001/22/2010 9:55:11 AM
Iceman1347$25.00$25.001/22/2010 10:08:27 AM
Toystore$51.78$51.781/22/2010 1:10:10 PM
JauaFlash$25.00$25.001/22/2010 12:38:43 PM
loss-of-control$50.00$50.001/22/2010 3:41:19 PM
FarmersBank$32.05$32.051/22/2010 6:24:52 PM
lender12345$25.00$25.001/22/2010 6:42:02 PM
Kash2010lu$25.00$25.001/22/2010 7:41:58 PM
durability-colonel$50.00$50.001/22/2010 10:07:47 PM
golffish2$200.00$200.001/23/2010 7:11:28 AM
blackwater98$32.07$32.071/23/2010 8:04:02 AM
fabeasy$25.00$25.001/23/2010 8:36:14 AM
LendToCause$25.00$25.001/23/2010 11:40:43 AM
AAe$50.00$50.001/23/2010 11:59:57 AM
onecooldrink$25.00$25.001/23/2010 12:49:32 PM
funimuni$25.00$25.001/23/2010 4:36:04 PM
beans53$25.00$25.001/23/2010 9:43:57 PM
shawnw2$50.00$50.001/24/2010 5:29:23 AM
BrighterSuns$25.00$25.001/24/2010 8:32:49 AM
shawnw2$45.00$45.001/24/2010 8:48:44 AM
People-for-people$50.00$50.001/24/2010 11:01:07 AM
coldfuzion$25.95$25.951/24/2010 12:33:40 PM
wodude$25.00$25.001/24/2010 12:27:14 PM
Your_Bank$25.00$25.001/24/2010 6:26:07 PM
us957165$25.00$25.001/24/2010 7:03:05 PM
OldManP$25.00$25.001/25/2010 5:53:36 AM
99Lender$25.00$25.001/25/2010 6:56:00 AM
Catz_aplenty$29.24$29.241/25/2010 10:02:17 AM
Astyanax$25.00$25.001/25/2010 10:25:22 AM
credit-missile$50.00$50.001/25/2010 10:27:09 AM
aha6297$28.60$28.601/25/2010 10:54:08 AM
jelly1126$50.00$50.001/25/2010 11:13:38 AM
farchoir$25.00$25.001/25/2010 11:18:25 AM
RainyDayFunds$25.00$25.001/25/2010 11:32:44 AM
orange-pound-party$33.88$33.881/25/2010 12:04:09 PM
blLending$50.00$50.001/25/2010 1:42:32 PM
G-Love$25.76$25.761/25/2010 2:03:11 PM
IFGINVEST$74.58$74.581/25/2010 3:22:25 PM
piter-to-la-investment$25.00$25.001/25/2010 3:37:18 PM
vmh20035$50.00$50.001/25/2010 3:55:13 PM
IFGINVEST$72.19$72.191/25/2010 4:20:11 PM
supreme-hope$25.00$25.001/25/2010 6:13:51 PM
Cashlender1992$25.00$25.001/25/2010 6:50:26 PM
loss-of-control$25.00$25.001/25/2010 6:35:59 PM
zento$25.00$25.001/25/2010 8:42:18 PM
Loan_Stranger$50.00$50.001/25/2010 9:17:56 PM
atomantic$200.00$200.001/26/2010 4:44:50 AM
golffish2$200.00$200.001/26/2010 4:49:03 AM
RecoveryLender$25.00$25.001/26/2010 7:05:41 AM
return-grizzly$100.00$100.001/26/2010 7:08:26 AM
quest0$25.00$25.001/26/2010 9:00:15 AM
credit-missile$150.00$150.001/26/2010 9:32:52 AM
unger$50.00$50.001/26/2010 9:56:43 AM
PotBellyPete$40.00$40.001/26/2010 9:37:06 AM
MoneyTree79$49.34$49.341/26/2010 9:56:45 AM
110 bids
 
Borrower Payment Dependent Notes Series 442919
This series of Notes was issued and sold upon the funding of the borrower loan #40635, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-24-2010 
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $106.71
Final lender yield: 5.10% Final borrower rate/APR: 6.10% / 6.44% Final monthly payment: $106.64
 
Auction yield range: 3.06% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.50%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: May-1978 Debt/Income ratio: 25%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 19 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 64Length of status:18y 8m
Amount delinquent: $0 Revolving credit balance: $14,841 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 36%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: responsible-loyalty4 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 Small Balances & Extra Cash
Purpose of loan:
This loan will be used to pay-off small credit card balances and to have extra cash flow until I the completion/filing of income taxes.

My financial situation:
I am a good candidate for this loan because I strive to pay my debts and I worked hard to credit a solid credit history over the past 10 years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
first-pragmatic-note$25.00$25.001/19/2010 10:16:12 AM
kenji4861$25.00$25.001/19/2010 10:29:18 AM
elasermd$50.00$50.001/19/2010 10:35:40 AM
rjblack$50.00$50.001/19/2010 11:26:07 AM
majestic-dedication$50.00$50.001/19/2010 11:27:48 AM
lloyd_s$25.00$25.001/19/2010 11:28:17 AM
personal-lender$25.00$25.001/19/2010 11:28:32 AM
kulender$30.00$30.001/19/2010 11:30:08 AM
inspired-contract9$50.00$50.001/19/2010 11:31:19 AM
AF-Chief$35.00$35.001/19/2010 11:32:38 AM
red-favorable-basis$25.00$25.001/19/2010 11:34:12 AM
nuclearmoose$25.00$25.001/19/2010 11:35:43 AM
gulch$35.00$35.001/19/2010 11:31:32 AM
mlopez2007$50.00$50.001/19/2010 11:36:47 AM
AFairDeal$25.00$25.001/19/2010 11:37:54 AM
financelover$50.00$50.001/19/2010 11:38:41 AM
market-builder$25.00$25.001/19/2010 11:34:37 AM
DukSerduk$25.00$25.001/19/2010 11:39:48 AM
gracej$25.00$25.001/19/2010 11:40:40 AM
dealarella$25.00$25.001/19/2010 11:36:28 AM
heroic-platinum$25.00$25.001/19/2010 11:37:35 AM
jsw7us$50.00$50.001/19/2010 11:42:14 AM
laredotornado$25.00$25.001/19/2010 11:43:00 AM
peerlender$30.00$30.001/19/2010 11:43:19 AM
OldFriend$25.00$25.001/19/2010 11:38:59 AM
thedoctor$90.00$90.001/19/2010 11:43:57 AM
aasx1108$25.00$25.001/19/2010 11:44:13 AM
highcountry1$25.00$25.001/19/2010 11:40:48 AM
trustedfriend$25.00$25.001/19/2010 11:46:30 AM
Mr_Money$25.00$25.001/19/2010 11:47:17 AM
verse99$25.00$25.001/19/2010 11:45:44 AM
rolandweary$30.00$30.001/19/2010 11:46:09 AM
generous-at-heart$25.00$25.001/19/2010 11:46:41 AM
msbutah$25.00$25.001/19/2010 11:47:08 AM
oreyedoc$25.00$25.001/19/2010 11:51:51 AM
wwwUniversal$25.00$25.001/22/2010 3:37:51 PM
cristy05$25.00$25.001/23/2010 12:36:32 PM
lean-velocity$25.00$25.001/19/2010 10:29:37 AM
friendly-market5$25.00$25.001/19/2010 11:26:58 AM
unk1911$25.00$25.001/19/2010 11:27:14 AM
gold-commander0$50.00$50.001/19/2010 11:29:10 AM
junctionking$25.00$25.001/19/2010 11:29:25 AM
credit-force5$25.00$25.001/19/2010 11:29:43 AM
exciting-responsibility3$25.00$25.001/19/2010 11:29:56 AM
figs4u2$80.00$80.001/19/2010 11:30:46 AM
bchen78875$50.00$50.001/19/2010 11:31:00 AM
leodaguy$25.00$25.001/19/2010 11:31:43 AM
meenan$25.00$25.001/19/2010 11:27:35 AM
Walkingcowboy$25.00$25.001/19/2010 11:32:00 AM
Kaj$30.00$30.001/19/2010 11:32:28 AM
first-upright-payout$50.00$50.001/19/2010 11:28:58 AM
Goodlender42$25.00$25.001/19/2010 11:33:30 AM
schpere$30.00$30.001/19/2010 11:33:47 AM
Cai8899$75.00$75.001/19/2010 11:34:01 AM
elegant-income3$25.00$25.001/19/2010 11:34:27 AM
Gibbyland$100.00$100.001/19/2010 11:30:35 AM
delicious-social132$25.00$25.001/19/2010 11:34:57 AM
bowdish1$100.00$100.001/19/2010 11:35:08 AM
supreme-hope$25.00$25.001/19/2010 11:35:24 AM
SNH$50.00$50.001/19/2010 11:35:32 AM
mmqc$25.00$25.001/19/2010 11:35:53 AM
mikeandcat$100.00$100.001/19/2010 11:32:11 AM
buukyak$25.00$25.001/19/2010 11:32:47 AM
toblerone$50.00$50.001/19/2010 11:33:05 AM
wampum-optimization$50.00$50.001/19/2010 11:33:20 AM
alpinaut$25.00$25.001/19/2010 11:40:08 AM
blooming-market$25.00$25.001/19/2010 11:36:00 AM
Fearless_Lender$25.00$25.001/19/2010 11:36:12 AM
Speculator$50.00$50.001/19/2010 11:41:13 AM
inventive-wealth2$25.00$25.001/19/2010 11:41:20 AM
29Palms$25.00$25.001/19/2010 11:41:03 AM
durability-halibut$25.00$25.001/19/2010 11:37:26 AM
kmr2$60.00$60.001/19/2010 11:41:31 AM
industrious-dedication$25.00$25.001/19/2010 11:38:07 AM
bill-expert$25.00$25.001/19/2010 11:38:27 AM
promiser200$25.00$25.001/19/2010 11:39:07 AM
AmericanCredit$25.00$25.001/19/2010 11:39:36 AM
determined-contract$30.00$30.001/19/2010 11:45:05 AM
dollar-birdie$30.00$30.001/19/2010 11:45:15 AM
km007$25.00$25.001/19/2010 11:45:29 AM
grampy48$25.00$25.001/19/2010 11:43:41 AM
GElender$50.00$50.001/19/2010 11:47:31 AM
balance-voyager$100.00$100.001/19/2010 11:44:28 AM
commerce-web5$40.00$40.001/19/2010 11:44:36 AM
exchange-battalion$30.00$30.001/19/2010 11:44:46 AM
honorable-yield$75.00$75.001/19/2010 11:49:48 AM
balance6$25.00$25.001/19/2010 11:50:38 AM
bayareainv$50.00$50.001/19/2010 11:45:57 AM
jjswanso$25.00$25.001/19/2010 11:50:48 AM
UT-Longhorn$25.00$25.001/19/2010 11:46:53 AM
silverloan$25.00$25.001/19/2010 11:47:26 AM
kanakakm$50.00$45.001/19/2010 11:53:20 AM
springpanda$25.00$25.001/20/2010 11:10:19 PM
Lefty_the_Lender$25.00$25.001/22/2010 2:05:31 PM
wise-balanced-moola$25.00$25.001/22/2010 4:10:21 PM
Dollars4Rent$25.00$25.001/23/2010 7:21:04 AM
missgina$25.00$25.001/23/2010 1:29:47 PM
Chewbaca$25.00$25.001/24/2010 10:52:35 AM
98 bids
 
Borrower Payment Dependent Notes Series 442979
This series of Notes was issued and sold upon the funding of the borrower loan #40648, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,100.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $129.24
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $129.14
 
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: 9 First credit line: Oct-1991 Debt/Income ratio: 27%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 50Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $5,453 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 69%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bold-joyous-liberty 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
WINNING MY FINANCIAL FREEDOM
Purpose of loan:
My wife & I have been working for the last 3 years trying to become debt-free (unsecured debt)?and we are only $4100 away from our goal.

We have downsized our life by selling our house, moving into a rental unit, sold off alot of things on Ebay, & embraced the frugal lifestyle.

We only have credit card debt related to our move.

For what it's worth:? We can't stand banks anymore...? We are only in a credit union and pay as we go using cash.

We refuse to play their crooked game anymore and once this debt is paid, the card will only be used in emergencies (like flat tires, ER visits, etc).

I am coming to PROSPER as I would gladly pay freedom-minded people my interest payments instead of banks that encourage these boom/bust cycles.

I am a supporter of sound money and responsible fiscal policy and that should begin with my own home before anywhere else

GO RON PAUL!!!

END THE FED!!!

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

Because I want to be free of debt more than anything else!!!

We did not celebrate Christmas with presents the last two years.
No vacations.? We roll pennies, dimes, etc.


Monthly net income: $2400
Monthly expenses: $
??Housing: $ 715
??Insurance: $ 65
??Car expenses: $ 50
??Utilities: $ 60
??Phone, cable, internet: $ 90
??Food, entertainment: $ 200 (yes, we are very frugal...)
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400 car
??Other expenses: $

Anything you can do to get a sub 10% loan would be appreciated
I want to pay everyone back as soon as possible so I can start putting our money on the investing side of PROSPER and help people out just like us.

Thanks in advance

P.S.? We did have a bankruptcy many years ago due to a failed business.? We learned our lesson and have become downright miser-like!?? : )
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
first-pragmatic-note$25.00$25.001/19/2010 10:16:12 AM
elasermd$50.00$50.001/19/2010 10:35:40 AM
unk1911$25.00$25.001/19/2010 11:27:13 AM
18th_beachbum$25.00$25.001/19/2010 11:28:06 AM
lloyd_s$25.00$25.001/19/2010 11:28:17 AM
gold-commander0$50.00$50.001/19/2010 11:29:10 AM
junctionking$25.00$25.001/19/2010 11:29:24 AM
credit-force5$25.00$25.001/19/2010 11:29:42 AM
exciting-responsibility3$25.00$25.001/19/2010 11:29:56 AM
kulender$30.00$30.001/19/2010 11:30:07 AM
friendly-market5$25.00$25.001/19/2010 11:26:58 AM
gulch$35.00$35.001/19/2010 11:31:32 AM
Walkingcowboy$25.00$25.001/19/2010 11:31:59 AM
first-upright-payout$50.00$50.001/19/2010 11:28:57 AM
buukyak$25.00$25.001/19/2010 11:32:48 AM
Cai8899$75.00$75.001/19/2010 11:34:01 AM
Gibbyland$100.00$100.001/19/2010 11:30:36 AM
market-builder$25.00$25.001/19/2010 11:34:36 AM
figs4u2$80.00$80.001/19/2010 11:30:46 AM
SNH$34.85$34.851/19/2010 11:35:33 AM
leodaguy$25.00$25.001/19/2010 11:31:43 AM
mmqc$25.00$25.001/19/2010 11:35:54 AM
toblerone$50.00$50.001/19/2010 11:33:04 AM
bill-expert$25.00$25.001/19/2010 11:38:26 AM
elegant-income3$25.00$25.001/19/2010 11:34:26 AM
financelover$50.00$50.001/19/2010 11:38:41 AM
delicious-social132$25.00$25.001/19/2010 11:34:57 AM
alpinaut$25.00$25.001/19/2010 11:40:07 AM
Speculator$50.00$50.001/19/2010 11:41:13 AM
kmr2$60.00$60.001/19/2010 11:41:31 AM
aasx1108$25.00$25.001/19/2010 11:44:12 AM
gracej$25.00$25.001/19/2010 11:40:40 AM
determined-contract$30.00$30.001/19/2010 11:45:05 AM
km007$25.00$25.001/19/2010 11:45:28 AM
bayareainv$50.00$50.001/19/2010 11:45:58 AM
rolandweary$30.00$30.001/19/2010 11:46:08 AM
trustedfriend$25.00$25.001/19/2010 11:46:30 AM
generous-at-heart$25.00$25.001/19/2010 11:46:41 AM
grampy48$25.00$25.001/19/2010 11:43:42 AM
silverloan$25.00$12.431/19/2010 11:47:25 AM
springpanda$25.00$25.001/20/2010 11:11:51 PM
TJRCapital$50.00$50.001/22/2010 5:49:17 AM
interstellar$50.00$50.001/22/2010 2:25:48 PM
BrighterSuns$25.00$25.001/22/2010 3:09:49 PM
wwwUniversal$25.00$25.001/22/2010 3:39:12 PM
UCSBGAUCHOS$35.00$35.001/22/2010 4:43:23 PM
gpuck$25.00$25.001/22/2010 5:08:38 PM
G-Love$200.00$200.001/22/2010 5:36:19 PM
justin323$37.72$37.721/23/2010 4:53:12 AM
marala4285$25.00$25.001/24/2010 7:28:33 AM
integrityisnumone$25.00$25.001/25/2010 1:24:33 AM
kf88$25.00$25.001/25/2010 8:38:50 AM
Astyanax$50.00$50.001/25/2010 10:41:24 AM
Lender0307$25.00$25.001/25/2010 10:48:31 AM
ScottFinance$25.00$25.001/25/2010 11:38:04 AM
Ardy123$25.00$25.001/26/2010 10:02:31 AM
lean-velocity$25.00$25.001/19/2010 10:29:36 AM
kenji4861$25.00$25.001/19/2010 10:29:18 AM
rjblack$50.00$50.001/19/2010 11:26:08 AM
meenan$25.00$25.001/19/2010 11:27:34 AM
majestic-dedication$50.00$50.001/19/2010 11:27:48 AM
personal-lender$25.00$25.001/19/2010 11:28:33 AM
inspired-contract9$50.00$50.001/19/2010 11:31:19 AM
mikeandcat$100.00$100.001/19/2010 11:32:11 AM
AF-Chief$35.00$35.001/19/2010 11:32:38 AM
Goodlender42$25.00$25.001/19/2010 11:33:30 AM
wampum-optimization$50.00$50.001/19/2010 11:33:19 AM
bchen78875$50.00$50.001/19/2010 11:31:01 AM
supreme-hope$25.00$25.001/19/2010 11:35:23 AM
blooming-market$25.00$25.001/19/2010 11:36:00 AM
Fearless_Lender$25.00$25.001/19/2010 11:36:11 AM
dealarella$25.00$25.001/19/2010 11:36:29 AM
Kaj$30.00$30.001/19/2010 11:32:27 AM
durability-halibut$25.00$25.001/19/2010 11:37:25 AM
schpere$30.00$30.001/19/2010 11:33:45 AM
AFairDeal$25.00$25.001/19/2010 11:37:54 AM
red-favorable-basis$25.00$25.001/19/2010 11:34:12 AM
industrious-dedication$25.00$25.001/19/2010 11:38:07 AM
OldFriend$25.00$25.001/19/2010 11:38:58 AM
promiser200$25.00$25.001/19/2010 11:39:07 AM
bowdish1$100.00$100.001/19/2010 11:35:07 AM
AmericanCredit$25.00$25.001/19/2010 11:39:36 AM
DukSerduk$25.00$25.001/19/2010 11:39:49 AM
nuclearmoose$25.00$25.001/19/2010 11:35:43 AM
heroic-platinum$25.00$25.001/19/2010 11:37:35 AM
jsw7us$50.00$50.001/19/2010 11:42:14 AM
laredotornado$25.00$25.001/19/2010 11:42:59 AM
thedoctor$90.00$90.001/19/2010 11:43:58 AM
balance-voyager$100.00$100.001/19/2010 11:44:28 AM
commerce-web5$40.00$40.001/19/2010 11:44:36 AM
exchange-battalion$30.00$30.001/19/2010 11:44:46 AM
highcountry1$25.00$25.001/19/2010 11:40:49 AM
29Palms$25.00$25.001/19/2010 11:41:02 AM
inventive-wealth2$25.00$25.001/19/2010 11:41:19 AM
UT-Longhorn$25.00$25.001/19/2010 11:46:51 AM
peerlender$30.00$30.001/19/2010 11:43:18 AM
dollar-birdie$30.00$30.001/19/2010 11:45:14 AM
verse99$25.00$25.001/19/2010 11:45:43 AM
msbutah$25.00$25.001/19/2010 11:47:06 AM
Mr_Money$25.00$25.001/19/2010 11:47:16 AM
Syzygy$25.00$25.001/20/2010 8:42:37 AM
lakefront5$40.00$40.001/21/2010 10:30:19 AM
wise-balanced-moola$25.00$25.001/22/2010 4:11:24 PM
Bodyboard$25.00$25.001/22/2010 6:35:31 PM
PalmerTheEmbalmer$25.00$25.001/23/2010 1:42:29 AM
1SteelerFan$30.00$30.001/23/2010 11:33:00 AM
missgina$25.00$25.001/23/2010 1:31:44 PM
marwadi-62$100.00$100.001/24/2010 8:03:15 AM
jybank$25.00$25.001/25/2010 3:08:02 PM
bossyboots01$25.00$25.001/26/2010 5:28:44 AM
HomerdohNY$25.00$25.001/26/2010 7:49:52 AM
thebadpelican$25.00$25.001/26/2010 9:15:14 AM
simiray$30.00$30.001/26/2010 9:41:44 AM
113 bids
 
Borrower Payment Dependent Notes Series 443005
This series of Notes was issued and sold upon the funding of the borrower loan #40589, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 20.95% Starting borrower rate/APR: 21.95% / 24.21% Starting monthly payment: $267.15
Final lender yield: 18.50% Final borrower rate/APR: 19.50% / 21.73% Final monthly payment: $258.37
 
Auction yield range: 8.06% - 20.95% Estimated loss impact: 7.43%  
Lender servicing fee: 1.00% Estimated return: 11.07%  
<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: Jun-1993 Debt/Income ratio: 14%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:7y 0m
Amount delinquent: $0 Revolving credit balance: $6,270 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: refresher7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off My Credit Cards
Purpose of loan:
This loan will be used to pay off a high interest credit card.? Over time I will pay much more for the credit I have used, unless I get a loan at a lower rate.
My financial situation:
I am a good candidate for this loan, because I have not been late on any of my bills.? I already pay more than the minimum payment each month on this card.? I want to pay this debt (at a lower rate), so I can begin saving & begin to be on the plus side.? Here is some information about the credit card I look to pay off:
Balance Amount: $6,851.68, Payoff amount will be a little more than this.
Interest Rate: 29.98%
My Monthly Payments: $300
Minimum Req'd Payments: $223.78

I want to claim financial responsibility.? I have worked at my current job for 7 years & my title is Online Media Specialist. I work for a large non-profit association & train our locations on using their websites & social media sites to further their business goals.I am a homeowner with my boyfriend.? We are both responsible for our mortgage & have been in our house for 5 years.

Please fund my loan & I assure you that I will not default. I take repayment of this loan very seriously.

Thank you ~
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: Will you be closing the credit card after you pay it off? If not, why? - AaronL
A: I plan on closing this account. The money I save in interest will go into my savings account. I do not want to give this credit card company anymore money! (Jan-24-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
theonezozo$25.00$25.001/19/2010 12:23:54 PM
dmk2006$25.00$25.001/19/2010 2:32:23 PM
Tingali$25.00$25.001/19/2010 3:23:46 PM
credit-sasquatch3$50.00$50.001/19/2010 4:09:42 PM
SolarMoonshine$25.00$25.001/19/2010 4:23:11 PM
cognizant-rate732$25.91$25.911/19/2010 4:01:19 PM
Sol_Invictus$25.00$25.001/20/2010 5:02:18 AM
JustMee$25.00$25.001/20/2010 5:47:47 AM
Syzygy$25.00$25.001/20/2010 8:43:11 AM
freedom3$75.43$75.431/20/2010 7:31:03 PM
zento$25.00$25.001/21/2010 12:42:26 PM
SFBank$200.00$200.001/21/2010 4:21:35 PM
cougar121469$150.00$150.001/21/2010 4:48:24 PM
Jim33$25.00$25.001/21/2010 8:46:30 PM
friendly-worth3$25.00$25.001/22/2010 10:10:48 AM
ore-bada-bing$300.00$300.001/22/2010 1:45:04 PM
loss-of-control$25.00$25.001/22/2010 3:57:51 PM
G-Love$500.00$500.001/22/2010 5:23:06 PM
impressive-fund0$66.23$66.231/22/2010 6:35:24 PM
justice-hawk$25.00$25.001/22/2010 9:24:31 PM
platinum-czar$250.00$250.001/23/2010 1:57:24 PM
platinum-czar$100.00$100.001/23/2010 1:55:42 PM
AtlantistoXanadu$50.00$50.001/23/2010 4:37:53 PM
d_grbg$25.00$25.001/23/2010 6:39:45 PM
barkochva$25.00$25.001/23/2010 9:38:34 PM
loyalty-czar$75.74$75.741/24/2010 12:31:29 PM
rjglender$25.00$25.001/24/2010 2:18:10 PM
brodav$50.00$50.001/24/2010 2:37:56 PM
rate-apricot1$25.00$25.001/24/2010 2:54:00 PM
cold1$25.00$25.001/24/2010 5:48:20 PM
Your_Bank$25.00$25.001/24/2010 6:38:59 PM
Tizzo27$59.27$59.271/24/2010 8:43:50 PM
trajames$74.67$30.231/25/2010 6:41:15 AM
wiggly$25.00$25.001/25/2010 8:22:03 AM
Astyanax$25.00$25.001/25/2010 10:43:51 AM
TicTac$35.00$35.001/25/2010 11:13:42 AM
lendme2$125.00$125.001/25/2010 12:50:22 PM
johnpmid$25.00$25.001/25/2010 1:41:26 PM
jybank$25.00$25.001/25/2010 3:09:21 PM
Techne_Funds_LLC$25.00$25.001/25/2010 4:48:32 PM
patriot384$35.00$35.001/26/2010 5:06:16 AM
E-B$50.00$50.001/26/2010 2:42:20 AM
exciting-fairness$200.00$200.001/26/2010 5:42:58 AM
sunsetlending$50.00$50.001/26/2010 5:03:01 AM
principal-laser$66.30$66.301/26/2010 4:21:08 AM
j5505$106.00$106.001/26/2010 7:02:16 AM
favorite-commerce$25.00$25.001/26/2010 7:05:16 AM
orange-pound-party$25.00$25.001/26/2010 6:47:57 AM
PotBellyPete$29.05$29.051/26/2010 7:53:02 AM
seadrg$25.00$25.001/26/2010 7:54:26 AM
fireman4$27.00$27.001/26/2010 7:51:42 AM
agreement-bunny$25.00$25.001/26/2010 9:11:32 AM
unger$50.00$50.001/26/2010 9:59:57 AM
LoanerPrincipal$50.00$50.001/26/2010 9:35:35 AM
loan_doctor$25.00$25.001/19/2010 10:15:52 AM
impressive-loan$300.00$300.001/19/2010 10:47:22 AM
cashhelp$25.00$25.001/19/2010 10:52:34 AM
durability-halibut$25.00$25.001/19/2010 11:42:29 AM
FinanceEngine$25.00$25.001/19/2010 11:48:04 AM
Ven58$25.00$25.001/19/2010 11:55:55 AM
szetheli$155.00$155.001/19/2010 7:30:48 PM
GOPHERBOY$50.00$50.001/19/2010 5:43:34 PM
Galdis$25.00$25.001/20/2010 4:40:25 AM
Bank_Of_XL$100.00$100.001/20/2010 12:43:27 AM
spy0$25.00$25.001/20/2010 7:37:12 AM
Imaginos1892$50.00$50.001/20/2010 7:01:55 PM
grafton$453.19$453.191/21/2010 6:09:15 PM
debtcollector$50.00$50.001/21/2010 7:33:12 PM
mistifilio$25.00$25.001/22/2010 10:53:40 AM
BrighterSuns$26.65$26.651/22/2010 12:29:43 PM
afterhours$25.00$25.001/22/2010 8:41:11 PM
bold-principal-thinker$35.00$35.001/22/2010 9:04:37 PM
spiff666$25.00$25.001/23/2010 8:27:11 AM
credit-coach118$25.00$25.001/23/2010 11:10:20 AM
platinum-czar$150.00$150.001/23/2010 1:58:43 PM
nickel-pipeline$28.30$28.301/23/2010 2:09:31 PM
buckskin1234$50.00$50.001/23/2010 2:21:10 PM
green-grower$100.00$100.001/23/2010 4:44:58 PM
dunrizzo$35.28$35.281/24/2010 8:33:42 AM
Richlaw$400.00$400.001/24/2010 11:30:18 AM
the-profit-oracle$25.00$25.001/24/2010 2:32:24 PM
msullivaniii$25.00$25.001/24/2010 12:45:56 PM
VTXRider$25.00$25.001/24/2010 8:17:01 PM
KaChingInvestments$25.00$25.001/25/2010 4:57:51 AM
freedom3$347.56$347.561/25/2010 3:30:43 AM
ronin4sale$25.00$25.001/25/2010 3:59:41 AM
UncleSafety$50.00$50.001/25/2010 8:35:02 AM
OGS_Capital$25.00$25.001/25/2010 10:17:53 AM
Astyanax$25.00$25.001/25/2010 10:43:33 AM
loan-fate$50.00$50.001/25/2010 10:24:34 AM
wealth-pipeline$25.00$25.001/25/2010 12:17:52 PM
MBPB$25.00$25.001/25/2010 3:43:05 PM
drluong$50.00$50.001/25/2010 4:25:02 PM
squarebob$25.00$25.001/25/2010 4:57:36 PM
Kash2010lu$25.00$25.001/25/2010 6:58:32 PM
brilliant-balance$25.00$25.001/25/2010 7:02:27 PM
payout-reaction740$25.00$25.001/25/2010 8:55:42 PM
DannyPhantom$25.00$25.001/25/2010 9:41:52 PM
BR-549$25.00$25.001/26/2010 4:47:43 AM
nalaari$100.00$100.001/26/2010 5:17:49 AM
Selttus$25.00$25.001/26/2010 7:01:30 AM
principal-star$25.00$25.001/26/2010 8:44:53 AM
exchange-cowbell5$100.00$100.001/26/2010 9:02:51 AM
TJRCapital$50.00$50.001/26/2010 9:37:52 AM
MoneyTree79$25.00$25.001/26/2010 9:55:54 AM
KTOWN$37.86$37.861/26/2010 9:54:41 AM
MoneyTree79$25.00$25.001/26/2010 9:59:06 AM
107 bids
 
Borrower Payment Dependent Notes Series 443153
This series of Notes was issued and sold upon the funding of the borrower loan #40651, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $239.24
Final lender yield: 12.50% Final borrower rate/APR: 13.50% / 15.65% Final monthly payment: $237.55
 
Auction yield range: 4.06% - 13.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 10.36%  
<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-1990 Debt/Income ratio: 25%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 24 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 48Length of status:12y 5m
Amount delinquent: $0 Revolving credit balance: $61,634 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jazzycasey Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 95% ) 700-719 (Latest)
Principal borrowed: $7,000.00< mo. late: 1 ( 5% )  
700-719 (Apr-2008)
 
Principal balance: $3,500.92 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying off my credit cards.
Purpose of loan:
This loan will be used to pay off my credit card with a high interest rate.

My financial situation:
I am a good candidate for this loan because I am extremely responsible about paying all my bills on time.? I have never been default on a loan or credit card.? My?lower credit rating is due to the amount of?revolving debt I have.? I have accumulated credit card debt over the years due to assisting my parents during a family tragedy and helping my husband with his construction business.? My credit cards keep raising my interest rates making it harder to pay off my debt.? We are currently raising our 15 month old daughter and our goal is to reduce our credit card debt as much as we can before we start saving for her college education.

Monthly net income: $ 7,700 (after taxes and including husband's contribution)

Monthly expenses: $?
??Housing: $ 767
??Insurance: $?260 (home and?vehicles)
??Car expenses: $?1,000 (husband and my car payments plus gas)
??Utilities: $ 200
??Phone, cable, internet: $ 175
??Food, entertainment: $?800
??Clothing, household expenses $?225
??Credit cards and other loans: $ 1900
??Other expenses: $ 200
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: Hello, I would like to know what your previous Prosper loan was for, what the monthly payment is on that, how long it will take you to finish paying it off, and how you plan on paying both prosper loans at the same time? Thank You - asset-snowdome
A: Thank you for your question. My previous Prosper loan was for debt consolidation. The monthly payment is $239.92. I have 16 monthly payments remaining on this loan. My current loan listing is also for debt consolidation to help continue to pay off high interest rate debt. My current minimum payments on the debt I want to pay off with this loan is $325, therefore, this loan will improve my cash outflows for debt as well as pay off my debt sooner. (Jan-20-2010)
Q: Do you have a HELOC/home equity loan ? Or all of $61K is on credit cards? - manuvns
A: I do have a home equity loan which appears to be included in the $61K. (Jan-22-2010)
Q: Hi. I am inclined to help. Looks like you have a late payment on your current Prosper loan; would you please explain? Thank you - CA_Lender
A: Yes. My loan payments are automatically withdrawn from my checking account, in which I balance on a daily basis. One month, my husband and I miscommunicated and he withdrew more money than I expected and the automatic payment was declined by my bank. As soon as I was aware of what happened, I immediately made a payment to Prosper. (Jan-22-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mister_waffle$25.00$25.001/19/2010 10:07:32 AM
responsibility-butterfly$25.00$25.001/19/2010 10:18:38 AM
ptjg$49.85$49.851/19/2010 10:18:46 AM
sks1$25.00$25.001/19/2010 10:26:01 AM
breadbroker$25.00$25.001/19/2010 11:17:26 AM
CallMeBen$50.00$50.001/19/2010 11:17:22 AM
availableloan$25.00$25.001/19/2010 11:26:15 AM
durability-halibut$25.00$25.001/19/2010 11:42:32 AM
ZerightGifts$200.00$200.001/19/2010 11:53:08 AM
thegreatone$100.00$100.001/19/2010 11:52:35 AM
FinDoc$25.00$25.001/19/2010 12:00:37 PM
orange-finance-banker$25.00$25.001/19/2010 12:04:32 PM
louisprima$69.39$69.391/19/2010 12:04:37 PM
vinayski$25.00$25.001/19/2010 12:27:56 PM
income-fortress$50.00$50.001/19/2010 1:31:05 PM
sagemoto$25.00$25.001/19/2010 5:37:47 PM
affluence-tulip$100.00$100.001/20/2010 9:46:02 AM
sshgfwb$25.00$25.001/20/2010 11:32:48 AM
ttnk62918$25.00$25.001/22/2010 2:07:13 PM
NorthwestLoan1$30.00$30.001/23/2010 8:40:35 AM
CommerciaLender$25.00$25.001/23/2010 7:41:30 AM
Econominator$25.00$25.001/23/2010 11:15:59 AM
selector568$300.00$300.001/23/2010 11:36:17 AM
CA_Lender$25.00$25.001/23/2010 1:38:25 PM
minista$25.00$25.001/24/2010 9:39:55 AM
ossobuco$25.00$25.001/24/2010 9:48:33 AM
Joyflyer$3,000.00$1,169.121/24/2010 9:33:34 AM
shortblondemark$25.00$25.001/24/2010 9:34:39 AM
FjLenders$50.03$50.031/24/2010 9:35:21 AM
jonn834$25.00$25.001/24/2010 9:34:24 AM
mcabery$100.00$100.001/24/2010 1:23:49 PM
Book-Mark$35.08$35.081/24/2010 7:08:35 PM
spiff666$25.00$25.001/24/2010 8:49:29 PM
buffalobills$25.00$25.001/24/2010 9:00:11 PM
sharp-credit$1,500.00$1,500.001/25/2010 5:48:55 AM
wwwUniversal$25.00$25.001/25/2010 5:53:40 AM
lucrative-durability$25.00$25.001/25/2010 6:42:22 AM
a-resplendent-commitment$50.00$50.001/25/2010 7:03:46 AM
zento$25.00$25.001/25/2010 7:29:36 AM
leverage-monger$25.00$25.001/25/2010 8:59:38 AM
intelligent-yield$25.00$25.001/25/2010 9:27:04 AM
Jazzy503$25.00$25.001/25/2010 11:26:23 AM
jetblack$29.59$29.591/25/2010 11:40:22 AM
benefit-flow$100.00$100.001/25/2010 7:10:12 PM
natural-greenback6$25.00$25.001/25/2010 7:33:44 PM
richmondcowboy$40.00$40.001/25/2010 7:57:05 PM
rainbowsorbet$50.00$50.001/25/2010 11:57:13 PM
bold-dynamic-silver$25.00$25.001/26/2010 12:10:01 AM
patriot384$25.00$25.001/26/2010 5:03:46 AM
patriot384$25.00$25.001/26/2010 5:03:08 AM
orange-pound-party$25.00$25.001/26/2010 6:51:12 AM
TJRCapital$25.00$25.001/26/2010 6:10:41 AM
Schlawinzer$25.00$25.001/26/2010 7:24:30 AM
erowis$25.00$25.001/26/2010 10:02:31 AM
Rattlehead$75.00$75.001/19/2010 10:16:54 AM
ekmendenhall$25.00$25.001/19/2010 10:19:17 AM
inforapenny$25.00$25.001/19/2010 10:16:39 AM
sparkmeister$25.00$25.001/19/2010 11:37:13 AM
WealthBoy$25.00$25.001/19/2010 12:27:33 PM
Independenceday$25.00$25.001/19/2010 12:28:39 PM
Beverly_Hills_Lender$25.00$25.001/19/2010 12:34:05 PM
coolgenner$25.00$25.001/19/2010 12:32:11 PM
MasterKey$25.00$25.001/19/2010 12:46:49 PM
LakeShoreLending$25.00$25.001/19/2010 3:38:38 PM
Bob450$50.00$50.001/19/2010 9:36:03 PM
Imaginos1892$150.00$150.001/20/2010 7:05:18 PM
thoughtful-community7$50.00$50.001/21/2010 7:36:10 AM
agab$25.00$25.001/21/2010 10:25:40 AM
imlosttoo$25.32$25.321/21/2010 12:22:27 PM
fantastic-dime$50.00$50.001/22/2010 8:22:19 AM
IP$50.00$50.001/22/2010 1:22:55 PM
respectful-integrity3$30.00$30.001/22/2010 1:53:28 PM
Pod1313$25.67$25.671/22/2010 4:17:05 PM
Syzygy$25.00$25.001/22/2010 7:10:09 PM
wealthydc$26.64$26.641/23/2010 11:54:12 AM
People-for-people$50.00$50.001/23/2010 1:42:25 PM
miket71$100.00$100.001/24/2010 9:34:44 AM
twjh$25.00$25.001/24/2010 9:40:03 AM
ZerightGifts$200.00$200.001/24/2010 12:05:14 PM
vutah$25.00$25.001/24/2010 1:16:48 PM
flshdaskll$25.00$25.001/24/2010 7:52:27 PM
sensible-fund$70.00$70.001/25/2010 5:06:10 AM
ronin4sale$25.00$25.001/25/2010 3:55:54 AM
hoffspot$50.00$50.001/25/2010 7:52:50 AM
malmoswed1$50.00$50.001/25/2010 8:51:31 AM
msu04303$25.00$25.001/25/2010 9:00:55 AM
Rustang$25.00$25.001/25/2010 9:35:02 AM
manuvns$25.00$25.001/25/2010 10:04:34 AM
cul8rv8$28.46$28.461/25/2010 11:30:46 AM
doomsday18$25.00$25.001/25/2010 1:00:25 PM
jybank$25.00$25.001/25/2010 3:15:53 PM
magee425$42.27$42.271/25/2010 2:55:59 PM
CheapDolo22$25.00$25.001/25/2010 6:22:27 PM
lender12345$25.00$25.001/25/2010 6:13:27 PM
gustavholstopus32$25.00$25.001/25/2010 9:05:01 PM
best-generosity-financier$25.00$25.001/25/2010 8:53:59 PM
credit-coach118$25.00$25.001/25/2010 11:01:34 PM
wise-balanced-moola$25.00$25.001/26/2010 7:21:56 AM
Taxman44$25.00$25.001/26/2010 7:59:07 AM
Mikale360$25.00$25.001/26/2010 8:52:36 AM
LittleMingo$25.00$25.001/26/2010 9:33:53 AM
jm2bad$100.58$100.581/26/2010 8:52:27 AM
leverage-monger$53.00$53.001/26/2010 9:41:32 AM
MoneyTree79$25.00$25.001/26/2010 9:57:29 AM
MoneyTree79$25.00$25.001/26/2010 9:59:28 AM
105 bids
 
Borrower Payment Dependent Notes Series 443167
This series of Notes was issued and sold upon the funding of the borrower loan #40654, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-25-2010 
 
Starting lender yield: 9.75% Starting borrower rate/APR: 10.75% / 11.10% Starting monthly payment: $32.62
Final lender yield: 6.15% Final borrower rate/APR: 7.15% / 7.49% Final monthly payment: $30.95
 
Auction yield range: 3.06% - 9.75% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Jun-2000 Debt/Income ratio: 25%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $62,191 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: guitarjrb 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-Off a high interest credit card
I have made a few attempts at larger loans and have withdrawn them because I do not feel that they would complete funding. Basically, I was testing the water here at the prosper community. What I have decided to do is go after one debt at a time while a prove myself in the prosper community.

I currently have a base pay of $80,000 and a fairly high DTI. Despite this, I have maintained a high credit score and have never defaulted nor been late on a debt. I am a homeowner and remain in a stable career as a computer administrator on a federal contract. The first debt that I want to tackle is my Jared card which has a balance of $900 and an interest rate of 22.9%. Lenders can expect for this loan to be paid early. The current minimum payments on the card are $125.00/m. The requested loan will be somewhere around about $40.00/m and I plan to pay at least $100.00 a month until payoff. Please feel free to ask any questions you see fit!

Net Pay is $4800/m
Expenses total $3500/m

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Okeey$25.00$19.931/19/2010 10:08:31 AM
Approved$50.00$50.001/19/2010 10:57:58 AM
lakefront5$40.00$40.001/21/2010 10:31:55 AM
Dollars4Rent$25.00$25.001/23/2010 7:36:38 AM
Dollars4Rent$25.00$25.001/23/2010 7:36:21 AM
surfsider123$25.00$25.001/23/2010 12:10:13 PM
the-frugal-lender$27.59$27.591/23/2010 1:52:45 PM
serene-truth2$25.00$25.001/23/2010 2:48:18 PM
maplehouse$25.00$25.001/25/2010 10:23:18 AM
Earn_money$26.50$26.501/25/2010 10:45:08 AM
damage$25.00$25.001/19/2010 10:08:30 AM
bornsucka$25.00$25.001/19/2010 10:18:29 AM
JCPlending$25.00$25.001/19/2010 7:43:30 PM
golfreak923$25.00$25.001/20/2010 12:41:00 PM
hellasow$50.00$50.001/22/2010 8:52:50 AM
poloinc$91.98$91.981/22/2010 12:01:59 PM
G-Love$200.00$200.001/22/2010 5:42:52 PM
420limo$25.00$25.001/22/2010 11:46:08 PM
PalmerTheEmbalmer$39.00$39.001/23/2010 1:44:54 AM
CollinsCrew$25.00$25.001/23/2010 7:45:49 AM
swissbanker$50.00$50.001/24/2010 11:44:10 AM
Kelor99$25.00$25.001/24/2010 6:18:06 PM
kf88$30.00$30.001/25/2010 8:40:46 AM
dynamic-fairness$25.00$25.001/25/2010 9:40:04 AM
BipedalHominid$25.00$25.001/25/2010 11:59:35 AM
dstolars$25.00$25.001/25/2010 1:50:21 PM
26 bids
 
Borrower Payment Dependent Notes Series 443169
This series of Notes was issued and sold upon the funding of the borrower loan #40657, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $157.61
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $157.49
 
Auction yield range: 4.06% - 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: 9 First credit line: Jun-2004 Debt/Income ratio: 15%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:6y 5m
Amount delinquent: $0 Revolving credit balance: $4,713 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: elevated-community8 Borrower's state: Minnesota 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
Purchase marchandise to sale abroad
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I repay my loans, and also I know what I'm trying to doing;?to create a market for certain type of?products available in USA, that I believe they can sale well else where. This I am hoping will lead to a long term export business line.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
first-pragmatic-note$25.00$25.001/19/2010 10:16:06 AM
kenji4861$25.00$25.001/19/2010 10:29:08 AM
lean-velocity$25.00$25.001/19/2010 10:29:30 AM
inventive-wealth2$25.00$25.001/19/2010 10:36:08 AM
Katburg$50.00$50.001/19/2010 10:35:56 AM
bigdogsafety1$25.00$25.001/19/2010 10:42:27 AM
responsibility-butterfly$25.00$25.001/19/2010 11:17:07 AM
unk1911$25.00$25.001/19/2010 11:27:08 AM
majestic-dedication$50.00$50.001/19/2010 11:27:43 AM
jbaum$100.00$100.001/19/2010 11:27:57 AM
18th_beachbum$25.00$25.001/19/2010 11:28:02 AM
lloyd_s$25.00$25.001/19/2010 11:28:09 AM
exciting-responsibility3$25.00$25.001/19/2010 11:29:49 AM
inspired-contract9$50.00$50.001/19/2010 11:31:14 AM
mikeandcat$100.00$100.001/19/2010 11:32:17 AM
junctionking$25.00$25.001/19/2010 11:29:17 AM
wampum-optimization$50.00$50.001/19/2010 11:33:14 AM
elegant-income3$25.00$25.001/19/2010 11:34:21 AM
Cai8899$75.00$75.001/19/2010 11:34:06 AM
delicious-social132$25.00$25.001/19/2010 11:34:51 AM
bchen78875$50.00$50.001/19/2010 11:31:09 AM
gulch$35.00$35.001/19/2010 11:31:28 AM
dealarella$25.00$25.001/19/2010 11:36:35 AM
buukyak$25.00$25.001/19/2010 11:32:55 AM
durability-halibut$25.00$25.001/19/2010 11:37:20 AM
red-favorable-basis$25.00$25.001/19/2010 11:34:17 AM
OldFriend$25.00$25.001/19/2010 11:38:53 AM
OCedHrt$25.00$25.001/19/2010 11:34:44 AM
promiser200$25.00$25.001/19/2010 11:39:01 AM
alpinaut$25.00$25.001/19/2010 11:40:00 AM
mlopez2007$50.00$50.001/19/2010 11:36:43 AM
ryan23$25.00$25.001/19/2010 11:41:53 AM
kmr2$60.00$60.001/19/2010 11:41:27 AM
red-trade-cologne$25.00$25.001/19/2010 11:41:59 AM
financelover$50.00$50.001/19/2010 11:38:45 AM
ijspence$25.00$25.001/19/2010 11:39:27 AM
teller$60.00$60.001/19/2010 11:44:17 AM
balance-voyager$100.00$100.001/19/2010 11:44:23 AM
km007$25.00$25.001/19/2010 11:45:23 AM
29Palms$25.00$25.001/19/2010 11:40:57 AM
rolandweary$30.00$30.001/19/2010 11:46:04 AM
peerlender$30.00$30.001/19/2010 11:43:11 AM
aasx1108$25.00$25.001/19/2010 11:44:07 AM
silverloan$25.00$25.001/19/2010 11:47:22 AM
burgeoning-silver$25.00$25.001/19/2010 11:49:13 AM
determined-contract$30.00$30.001/19/2010 11:45:00 AM
dollar-birdie$30.00$30.001/19/2010 11:45:11 AM
Havana21$50.00$50.001/19/2010 11:48:38 AM
green-benefit-enclave$25.00$25.001/19/2010 11:50:10 AM
verse99$25.00$25.001/19/2010 11:45:37 AM
orange-finance-banker$50.00$50.001/19/2010 11:51:41 AM
coup173$25.00$25.001/19/2010 11:52:42 AM
vigilance-accruer$25.00$25.001/19/2010 11:52:48 AM
five-star-note$35.00$35.001/19/2010 11:53:44 AM
kanakakm$50.00$50.001/19/2010 11:53:13 AM
MrDavid$50.00$50.001/19/2010 11:54:21 AM
InvestorPartners$25.00$25.001/19/2010 11:55:40 AM
_G_$50.00$50.001/19/2010 11:54:45 AM
superstar449$25.00$25.001/19/2010 11:55:24 AM
maple1$25.00$25.001/19/2010 11:56:58 AM
serpentine$50.00$50.001/19/2010 11:57:15 AM
best-vivacious-funds$25.00$25.001/19/2010 11:57:41 AM
unclejaef$25.00$25.001/19/2010 11:57:45 AM
repayment-launcher$25.00$25.001/19/2010 11:58:05 AM
allamerathlete$25.00$25.001/19/2010 11:58:39 AM
meux99$25.00$25.001/19/2010 11:59:21 AM
Philosonie$25.00$25.001/19/2010 11:55:45 AM
dma1206$25.00$25.001/19/2010 12:00:49 PM
Syzygy$25.00$25.001/20/2010 4:57:57 PM
SpotLending$50.00$50.001/22/2010 5:59:45 AM
TJRCapital$25.00$25.001/26/2010 6:16:35 AM
elasermd$100.00$100.001/19/2010 10:58:06 AM
friendly-market5$25.00$25.001/19/2010 11:26:49 AM
meenan$25.00$25.001/19/2010 11:27:29 AM
first-upright-payout$50.00$50.001/19/2010 11:28:52 AM
gold-commander0$50.00$50.001/19/2010 11:29:05 AM
intrepid-transaction5$25.00$25.001/19/2010 11:29:30 AM
credit-force5$25.00$25.001/19/2010 11:29:35 AM
kulender$30.00$30.001/19/2010 11:30:03 AM
figs4u2$80.00$80.001/19/2010 11:30:40 AM
leodaguy$25.00$25.001/19/2010 11:31:39 AM
personal-lender$25.00$25.001/19/2010 11:28:42 AM
toblerone$50.00$50.001/19/2010 11:32:59 AM
schpere$30.00$30.001/19/2010 11:33:41 AM
market-builder$25.00$25.001/19/2010 11:34:30 AM
bowdish1$100.00$100.001/19/2010 11:35:03 AM
supreme-hope$25.00$25.001/19/2010 11:35:17 AM
blooming-market$25.00$25.001/19/2010 11:35:57 AM
Fearless_Lender$25.00$25.001/19/2010 11:36:06 AM
Walkingcowboy$25.00$25.001/19/2010 11:31:54 AM
Kaj$30.00$30.001/19/2010 11:32:21 AM
AF-Chief$35.00$35.001/19/2010 11:32:33 AM
heroic-platinum$25.00$25.001/19/2010 11:37:31 AM
Goodlender42$25.00$25.001/19/2010 11:33:37 AM
AFairDeal$25.00$25.001/19/2010 11:37:47 AM
bill-expert$25.00$25.001/19/2010 11:38:17 AM
forthright-dedication$25.00$25.001/19/2010 11:40:22 AM
Speculator$50.00$50.001/19/2010 11:41:08 AM
industrious-dedication$25.00$25.001/19/2010 11:38:00 AM
jsw7us$50.00$50.001/19/2010 11:42:06 AM
desertoasis$25.00$25.001/19/2010 11:43:31 AM
Dutchhunter$50.00$50.001/19/2010 11:39:16 AM
AmericanCredit$25.00$25.001/19/2010 11:39:32 AM
exchange-battalion$30.00$30.001/19/2010 11:44:40 AM
microlendblvr$73.18$73.181/19/2010 11:40:19 AM
bayareainv$50.00$50.001/19/2010 11:46:02 AM
Fortuno_per_commodo$50.00$50.001/19/2010 11:42:37 AM
trustedfriend$25.00$25.001/19/2010 11:46:25 AM
laredotornado$25.00$25.001/19/2010 11:42:53 AM
msbutah$25.00$25.001/19/2010 11:47:02 AM
UT-Longhorn$25.00$25.001/19/2010 11:46:45 AM
thedoctor$90.00$90.001/19/2010 11:44:03 AM
commerce-web5$40.00$40.001/19/2010 11:44:31 AM
faithey$25.00$25.001/19/2010 11:49:09 AM
honorable-yield$75.00$75.001/19/2010 11:49:59 AM
balance6$25.00$25.001/19/2010 11:50:33 AM
Mr_Money$25.00$25.001/19/2010 11:47:10 AM
GElender$50.00$50.001/19/2010 11:47:37 AM
time4aloan$25.00$25.001/19/2010 11:55:30 AM
enlisted33$25.00$25.001/19/2010 11:54:44 AM
diplomatic-point4$75.00$75.001/19/2010 11:54:56 AM
BayShell$50.00$50.001/19/2010 11:55:02 AM
Supervark$25.00$25.001/19/2010 11:55:37 AM
driver928$25.00$25.001/19/2010 11:56:21 AM
CorMDNY$25.00$25.001/19/2010 11:57:38 AM
codingbuddy$25.00$25.001/19/2010 11:54:33 AM
Reinadog9$25.00$25.001/19/2010 11:59:13 AM
CREnvy$25.00$25.001/19/2010 11:54:38 AM
natmonkey$25.00$25.001/19/2010 11:54:50 AM
MidLifeCrisis$50.00$26.821/19/2010 11:59:39 AM
dinero-festivity2$50.00$50.001/19/2010 11:55:08 AM
freefly67$25.00$25.001/19/2010 11:56:37 AM
rooosta$25.00$25.001/19/2010 11:57:11 AM
wiselady$25.00$25.001/19/2010 11:59:24 AM
interstellar$50.00$50.001/22/2010 2:25:50 PM
wwwUniversal$25.00$25.001/22/2010 3:44:38 PM
wise-balanced-moola$25.00$25.001/22/2010 4:14:42 PM
EmeritusX$25.00$25.001/25/2010 12:19:00 PM
kf88$25.00$25.001/25/2010 1:50:14 PM
The-Lighthouse-Group$25.00$25.001/25/2010 7:34:59 PM
140 bids
 
Borrower Payment Dependent Notes Series 443283
This series of Notes was issued and sold upon the funding of the borrower loan #40595, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $170.52
 
Auction yield range: 4.06% - 19.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 10.70%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-1998 Debt/Income ratio: 66%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $31,017 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: kim12547 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
680-699 (Feb-2008)
640-659 (Dec-2006)
640-659 (Dec-2006)
 
Principal balance: $2,202.42 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
Debt Consolidation : Rebuilding
I am looking for funds to payoff my credit card debt. I have been divorced for 5-1/2 years, and have had to take on a large financial burden from my ex husband. He left me with very large credit card bills and a house that he refused to take any responibility in. I have sold the house; but still have remaining debt. I currently pay over $550.00 each month on my credit card bills, in hopes of paying them down quicker.? However, with credit card rate changes, the extra dollars I put on my credit card bills do not make as big of an impact as I would like. When my loan is granted, I will use this money to now pay my?Prosper?loan?.With this Prosper loan, I can cut down my debt significantly in 3 years. Putting my past behind me, and moving on to better oppurtunity & success.

I make $1400.00 a month after taxes; plus I receive $468 a month for a house that I sold on contract. The house payment is always on time and I have never had any issues with them paying late. My boyfriend pays all of our living expenses. I use my income to pay credit cards and my car payment.


CURRENT BILLS:
Credit Cards (Minimum): $400.00; I pay $550.00 or more
Car: $347.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.001/19/2010 10:10:32 AM
omahajay$25.00$25.001/19/2010 10:09:55 PM
wonderous-power$25.00$25.001/20/2010 4:49:18 AM
sshgfwb$25.00$25.001/20/2010 11:37:43 AM
Aberdeen$300.00$300.001/22/2010 10:19:22 AM
chrisb1414$25.00$25.001/22/2010 12:01:07 PM
RainyDayFunds$25.00$25.001/22/2010 1:23:53 PM
credit-kahuna$300.00$300.001/23/2010 1:47:09 AM
spiff666$25.00$25.001/23/2010 8:21:13 AM
ptjg$28.00$28.001/24/2010 12:04:51 PM
flshdaskll$25.00$25.001/24/2010 7:51:03 PM
principal-mermaid$50.00$50.001/25/2010 9:43:21 AM
ilend57$25.00$25.001/25/2010 9:53:27 AM
jtoms101$27.43$27.431/25/2010 10:26:13 AM
springpanda$25.00$25.001/25/2010 10:20:02 AM
Leopoldine$25.16$25.161/25/2010 12:03:05 PM
supreme-hope$25.00$25.001/25/2010 6:21:49 PM
nashibaksi$25.00$25.001/25/2010 5:58:20 PM
rockhound84$25.00$25.001/25/2010 5:52:14 PM
mrreynol$25.00$25.001/25/2010 6:09:55 PM
Jim33$25.00$25.001/25/2010 9:01:56 PM
bold-dynamic-silver$25.00$25.001/26/2010 12:13:20 AM
chibear34$25.00$25.001/26/2010 4:00:45 AM
atomantic$100.00$100.001/26/2010 4:53:51 AM
d_grbg$25.00$23.371/26/2010 6:50:45 AM
leverage-monger$88.00$88.001/26/2010 7:09:01 AM
G-Love$250.00$250.001/26/2010 5:59:59 AM
Schlawinzer$25.00$25.001/26/2010 7:26:20 AM
jlendog$200.00$200.001/26/2010 8:03:17 AM
Lancasterdust$33.00$33.001/26/2010 8:34:45 AM
PanamaMan$25.00$25.001/26/2010 8:35:56 AM
us957165$25.00$25.001/26/2010 8:45:37 AM
sharp-credit$716.34$716.341/26/2010 8:31:32 AM
exchange-cowbell5$100.00$100.001/26/2010 9:06:19 AM
cutter21$25.00$25.001/26/2010 9:41:16 AM
UBOtto186$51.17$51.171/26/2010 10:07:50 AM
drcoop$25.00$25.001/19/2010 12:27:51 PM
ONECENTATATIME$30.00$30.001/19/2010 5:43:37 PM
SqueezeKing$25.00$25.001/20/2010 10:58:36 PM
vine99$65.00$65.001/21/2010 7:58:54 PM
selector568$300.00$300.001/22/2010 10:10:25 AM
Aberdeen$300.00$300.001/22/2010 10:19:19 AM
Aberdeen$300.00$300.001/22/2010 10:22:54 AM
Aberdeen$300.00$300.001/22/2010 10:25:32 AM
myidear$25.00$25.001/23/2010 2:39:21 AM
Johnab$50.00$50.001/23/2010 7:07:25 AM
LittleMingo$25.00$25.001/23/2010 2:57:01 AM
gjm6d$25.00$25.001/23/2010 10:51:58 AM
Oak-Parker$25.00$25.001/23/2010 5:40:01 PM
Montgomery-Burns$25.00$25.001/24/2010 8:16:55 AM
Rustang$25.00$25.001/24/2010 9:42:05 AM
Imaginos1892$50.00$50.001/24/2010 7:30:02 PM
LittleMingo$25.00$25.001/25/2010 7:02:29 PM
CommerciaLender$25.00$25.001/25/2010 7:52:22 PM
RiskAdverse$25.00$25.001/25/2010 8:37:55 PM
371millwood$200.00$200.001/25/2010 8:07:43 PM
Trygs$25.00$25.001/26/2010 5:13:17 AM
patriot384$25.00$25.001/26/2010 4:54:08 AM
pythia$25.00$25.001/26/2010 7:14:04 AM
enthusiastic-point$31.18$31.181/26/2010 7:06:01 AM
Tahoe$56.35$56.351/26/2010 6:35:24 AM
CincyTex$50.00$50.001/26/2010 8:59:54 AM
lucrative-durability$25.00$25.001/26/2010 8:21:39 AM
Mikale360$25.00$25.001/26/2010 8:47:29 AM
ScottFinance$25.00$25.001/26/2010 9:43:51 AM
GBlack$25.00$25.001/26/2010 9:15:32 AM
66 bids
 
Borrower Payment Dependent Notes Series 443293
This series of Notes was issued and sold upon the funding of the borrower loan #40636, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $226.95
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $226.79
 
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: 9 First credit line: Sep-1994 Debt/Income ratio: 30%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 13 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:3y 8m
Amount delinquent: $0 Revolving credit balance: $5,461 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Elito Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
760-779 (Aug-2008)
 
Principal balance: $2,771.05 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Gastric Sleeve Surgery
Purpose of loan:
?I am 37 years old, and father to a 9 year old boy. ?I?ve always been a little overweight; however, in the last few years I gained so much weight that became Obese. Today I weight 365 lbs. Because of my weight, today I suffer from Sleep Apnea, Diabetes Type II, and high blood pressure among other things. I get tired and out of breath very easily. The thing that I regret the most is that I cannot play with my 9 year old son. Because all the reasons mentioned above, I decided to have the Gastric Sleeve Surgery. Unfortunately my health insurance does not cover this type of procedure. I collected most of the money required for the surgery and I am 7,000 short. Help me to live longer for my family.?

My financial situation:
I am a good candidate for this loan because I am responsible and have never made a late payment. I am currently enrolled on a Debt consolidation program. I?ve been in the program for?four (4) years and has never been late missed a payment. Your investment will be secure with me and return on a timely manner. It is my intention to payoff this loan no later than December 2012
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, some 7 years ago I was in your position opted for the gastric by-pass & recommend you reconsider the sleeve-my wife & two daughters have had the by pass & kept the weight off! My loss 165 lbs & food is no longer controlling my life, I'm 71 - Firescreek
A: Thank you for sharing with me your experience. At this moment my doctor is conducting all the pre-surgery tests. When he gets the results he will determine if a should have the bypass instead of the sleeve. It is one of the possibilities. I really appreciate that you share with me your story. 165 pounds off is amazing. Congratulations and thanks again (Jan-23-2010)
Q: Hi. Best of luck to you. I hope you the best. - irishcocacola
A: Thank you for your good wishes and your support. i really appreciated. (Jan-26-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
first-pragmatic-note$25.00$25.001/19/2010 5:03:32 PM
kenji4861$25.00$25.001/19/2010 5:03:37 PM
lean-velocity$25.00$25.001/19/2010 5:03:41 PM
bowdish1$100.00$100.001/19/2010 5:13:53 PM
dealarella$25.00$25.001/19/2010 5:14:02 PM
AFairDeal$25.00$25.001/19/2010 5:14:19 PM
industrious-dedication$25.00$25.001/19/2010 5:14:23 PM
Walkingcowboy$25.00$25.001/19/2010 5:13:06 PM
buukyak$25.00$25.001/19/2010 5:13:18 PM
alpinaut$25.00$25.001/19/2010 5:14:41 PM
schpere$30.00$30.001/19/2010 5:13:32 PM
mlopez2007$50.00$50.001/19/2010 5:14:06 PM
balance6$25.00$25.001/19/2010 5:16:09 PM
meenan$25.00$25.001/19/2010 5:12:03 PM
lloyd_s$25.00$25.001/19/2010 5:12:13 PM
heroic-platinum$25.00$25.001/19/2010 5:14:15 PM
AmericanCredit$25.00$25.001/19/2010 5:14:37 PM
aldenrains$25.00$25.001/19/2010 5:18:41 PM
dollar-birdie$30.00$30.001/19/2010 5:15:24 PM
red-trade-cologne$25.00$25.001/19/2010 5:22:35 PM
GElender$50.00$50.001/19/2010 5:15:45 PM
financial-frenzy$25.00$25.001/19/2010 5:22:58 PM
inventive-wealth2$25.00$25.001/19/2010 7:34:02 PM
pnace$25.00$25.001/19/2010 5:41:15 PM
junctionking$25.00$25.001/19/2010 6:54:23 PM
KramericaIndustries$25.00$25.001/19/2010 7:16:15 PM
responsibility-butterfly$25.00$25.001/20/2010 5:55:10 AM
order-boomerang$25.00$25.001/20/2010 9:42:40 AM
neighborly-peso$25.00$25.001/20/2010 9:42:44 AM
generosity-giraffe0$25.00$25.001/20/2010 11:42:51 AM
MrBodaggit$25.00$25.001/20/2010 1:35:29 PM
NorthwestValue$25.00$25.001/20/2010 3:15:32 PM
djs81$25.00$25.001/20/2010 5:45:47 PM
vine99$90.00$90.001/20/2010 8:46:18 PM
Pickmar$25.00$25.001/21/2010 6:07:19 AM
supreme-hope$25.00$25.001/21/2010 11:10:48 AM
samo102us$25.00$25.001/21/2010 12:58:58 PM
auction-turbine4$25.00$25.001/21/2010 5:04:40 PM
tocchan$25.00$25.001/21/2010 5:16:27 PM
luminant$25.00$25.001/21/2010 8:46:17 PM
LittleMingo$25.00$25.001/22/2010 5:58:40 AM
buckyhead2000$25.00$25.001/22/2010 1:40:29 PM
greenwell$26.15$26.151/22/2010 5:20:47 PM
Phantom99$25.00$25.001/22/2010 5:38:37 PM
rmachi$25.00$25.001/22/2010 5:51:11 PM
head$25.00$25.001/22/2010 7:37:02 PM
Dollars4Rent$25.00$25.001/23/2010 7:43:09 AM
BankOfFrankFairness$43.51$43.511/24/2010 11:12:22 AM
djh47a$25.00$25.001/24/2010 11:13:06 AM
Sixmil$25.00$25.001/24/2010 12:45:14 PM
Fortuno_per_commodo$50.00$50.001/24/2010 4:48:44 PM
MoneySiles$25.00$25.001/24/2010 4:48:42 PM
Lefty_the_Lender$25.00$25.001/24/2010 4:38:43 PM
all_of_that_one$25.00$25.001/24/2010 6:29:35 PM
BMP$25.00$25.001/25/2010 7:43:49 AM
wampum-reaction2$25.00$25.001/25/2010 9:34:37 AM
DadWarbucks$25.00$25.001/25/2010 9:43:32 AM
bds9646$26.00$26.001/25/2010 9:44:04 AM
dsgfl1$25.00$25.001/25/2010 10:14:44 AM
-J$25.00$25.001/25/2010 10:15:00 AM
Divot$25.00$25.001/25/2010 11:16:10 AM
ClearLake$25.00$25.001/25/2010 11:41:30 AM
zeelender$25.00$25.001/25/2010 11:41:18 AM
sas19$25.00$25.001/25/2010 11:59:23 AM
outtahoth2o$41.74$41.741/25/2010 1:10:19 PM
slartibardfast$25.00$25.001/25/2010 1:11:05 PM
EricLender$25.00$25.001/25/2010 2:50:31 PM
dontscrewmeover1$25.00$25.001/25/2010 6:21:40 PM
think_globally_act_locally$50.00$50.001/26/2010 12:54:05 AM
speyer$25.00$25.001/26/2010 1:39:00 AM
jjswanso$25.00$25.001/26/2010 6:10:18 AM
LandE2BG$25.00$25.001/26/2010 7:22:20 AM
jDavid$200.00$200.001/26/2010 8:52:25 AM
gciarami$25.00$25.001/26/2010 9:47:17 AM
Chewbaca$25.00$25.001/26/2010 10:09:28 AM
charlieok$25.00$25.001/26/2010 11:11:24 AM
bmcg$25.00$25.001/26/2010 11:31:03 AM
dansarkis$25.00$25.001/26/2010 11:31:17 AM
js60l$25.00$25.001/26/2010 11:32:43 AM
ADenny$25.00$25.001/26/2010 11:39:22 AM
Binan$25.00$25.001/26/2010 11:42:22 AM
Captain88$25.00$25.001/26/2010 11:39:10 AM
derek-from-berkeley$25.00$25.001/26/2010 11:40:24 AM
larrybird$100.00$100.001/26/2010 11:43:17 AM
mathprof$25.00$25.001/26/2010 11:43:28 AM
HappyHelpingLender$25.00$25.001/26/2010 11:43:35 AM
BiggestG$25.00$25.001/26/2010 11:43:46 AM
TK4$25.00$25.001/26/2010 11:43:51 AM
kegs$75.36$75.361/26/2010 11:42:54 AM
StrongMoney$25.00$25.001/26/2010 11:43:03 AM
lending-bear$75.00$75.001/26/2010 11:43:20 AM
zrohmm$25.00$18.101/26/2010 11:46:38 AM
Sitgarath$50.00$50.001/26/2010 11:49:24 AM
SeaLoans$25.00$25.001/26/2010 12:44:09 PM
wwwUniversal$25.00$25.001/26/2010 1:55:57 PM
crazyinjun$25.00$25.001/26/2010 2:34:54 PM
blindtaxidriver$25.00$25.001/26/2010 12:43:41 PM
divergregg$25.00$25.001/26/2010 3:29:23 PM
LeverageLender$25.00$25.001/26/2010 4:15:07 PM
bankar$25.00$25.001/26/2010 4:23:35 PM
RandyL3$25.00$25.001/26/2010 4:37:23 PM
order-boomerang$25.00$25.001/26/2010 4:55:25 PM
majestic-dedication$50.00$50.001/19/2010 5:12:07 PM
first-upright-payout$50.00$50.001/19/2010 5:12:25 PM
inspired-contract9$50.00$50.001/19/2010 5:12:56 PM
gulch$35.00$35.001/19/2010 5:12:59 PM
leodaguy$25.00$25.001/19/2010 5:13:02 PM
mikeandcat$100.00$100.001/19/2010 5:13:09 PM
toblerone$50.00$50.001/19/2010 5:13:23 PM
personal-lender$25.00$25.001/19/2010 5:12:18 PM
market-builder$25.00$25.001/19/2010 5:13:44 PM
durability-halibut$25.00$25.001/19/2010 5:14:12 PM
peerlender$30.00$30.001/19/2010 5:14:59 PM
red-favorable-basis$25.00$25.001/19/2010 5:13:38 PM
aasx1108$25.00$25.001/19/2010 5:15:08 PM
determined-contract$30.00$30.001/19/2010 5:15:18 PM
financelover$50.00$50.001/19/2010 5:14:31 PM
honorable-yield$75.00$75.001/19/2010 5:16:03 PM
friendly-market5$25.00$25.001/19/2010 5:11:56 PM
kmr2$60.00$60.001/19/2010 5:14:45 PM
laredotornado$25.00$25.001/19/2010 5:14:54 PM
commerce-web5$40.00$40.001/19/2010 5:15:11 PM
credit-force5$25.00$25.001/19/2010 5:12:33 PM
exciting-responsibility3$25.00$25.001/19/2010 5:12:36 PM
kulender$30.00$30.001/19/2010 5:12:39 PM
figs4u2$80.00$80.001/19/2010 5:12:44 PM
verse99$25.00$25.001/19/2010 5:15:30 PM
bchen78875$50.00$50.001/19/2010 5:12:51 PM
rolandweary$30.00$30.001/19/2010 5:15:35 PM
AF-Chief$35.00$35.001/19/2010 5:13:15 PM
kanakakm$50.00$50.001/19/2010 5:16:30 PM
wampum-optimization$50.00$50.001/19/2010 5:13:26 PM
Cai8899$75.00$75.001/19/2010 5:13:35 PM
delicious-social132$25.00$25.001/19/2010 5:13:48 PM
bill-expert$25.00$25.001/19/2010 5:14:28 PM
promiser200$25.00$25.001/19/2010 5:14:33 PM
thedoctor$90.00$90.001/19/2010 5:15:03 PM
exchange-battalion$30.00$30.001/19/2010 5:15:15 PM
commerce-voyager$25.00$25.001/19/2010 5:21:27 PM
wiselady$25.00$25.001/19/2010 5:17:31 PM
elegant-income3$25.00$25.001/19/2010 7:00:43 PM
forthright-dedication$25.00$25.001/19/2010 11:28:32 PM
shamrocker$25.00$25.001/19/2010 8:05:52 PM
microlendblvr$25.00$25.001/19/2010 9:49:39 PM
fortytwo$200.00$200.001/20/2010 6:11:43 AM
gold-commander0$26.31$26.311/20/2010 4:27:34 AM
Orca-man$50.00$50.001/20/2010 10:58:55 AM
Cheburashka$30.00$30.001/20/2010 11:04:55 AM
me2yu$29.79$29.791/20/2010 11:34:42 AM
Havana21$46.33$46.331/20/2010 12:19:33 PM
cash-queen$50.00$50.001/20/2010 12:36:35 PM
Picopie$50.00$50.001/20/2010 3:06:28 PM
Goodlender42$25.00$25.001/20/2010 3:25:32 PM
desertoasis$25.00$25.001/20/2010 1:21:41 PM
diplomatic-point4$75.00$75.001/20/2010 6:02:12 PM
orange-finance-banker$50.00$50.001/20/2010 6:10:20 PM
highcountry1$25.00$25.001/20/2010 7:22:06 PM
first-fund-empenada$25.00$25.001/20/2010 11:26:58 PM
OLYVRC$25.00$25.001/21/2010 3:52:38 AM
mason5$50.00$50.001/21/2010 3:24:44 AM
auction-elvis$25.00$25.001/21/2010 2:02:38 PM
springpanda$25.00$25.001/21/2010 2:22:03 PM
bayareainv$50.00$50.001/21/2010 4:59:24 PM
elasermd$50.00$50.001/21/2010 5:04:24 PM
unk1911$25.00$25.001/21/2010 5:04:14 PM
loan-master996$50.00$50.001/22/2010 8:32:35 AM
discrete-asset$25.00$25.001/22/2010 9:40:18 AM
friendly-worth3$25.00$25.001/22/2010 9:57:03 AM
nuclearmoose$25.00$25.001/22/2010 12:25:02 PM
KiwiElf$30.00$30.001/22/2010 2:12:20 PM
DukSerduk$25.00$25.001/22/2010 3:41:39 PM
flwah$25.00$25.001/22/2010 5:38:51 PM
peb44$25.00$25.001/23/2010 7:36:29 AM
REVSTJ999$25.00$25.001/23/2010 9:38:08 AM
MrDavid$50.00$50.001/23/2010 10:57:54 AM
gogmagog$59.48$59.481/23/2010 2:07:41 PM
DonaldColorado$25.00$25.001/24/2010 7:58:12 AM
grampy48$25.00$25.001/24/2010 6:56:54 AM
rjblack$50.00$50.001/24/2010 11:13:42 AM
julijask$35.00$35.001/24/2010 11:12:14 AM
The-Lighthouse-Group$25.00$25.001/24/2010 6:56:20 PM
nickel-eagle5$25.00$25.001/25/2010 9:35:32 AM
kmwvma$25.00$25.001/25/2010 9:43:37 AM
Tradesmanlender$25.00$25.001/25/2010 9:43:42 AM
Railbird$25.00$25.001/25/2010 9:43:27 AM
skuba$25.00$25.001/25/2010 10:36:46 AM
don8ter$25.00$25.001/25/2010 11:41:26 AM
bigdogsafety1$25.00$25.001/25/2010 2:39:11 PM
the-bright-velocity$25.00$25.001/25/2010 4:25:01 PM
RockCrown$25.00$25.001/26/2010 7:08:50 AM
the-aggresive-principal$25.00$25.001/26/2010 9:38:29 AM
Astyanax$25.00$25.001/26/2010 10:33:08 AM
slojudy$25.00$25.001/26/2010 11:20:31 AM
mjm77_1$25.00$25.001/26/2010 11:37:21 AM
stensonb$25.00$25.001/26/2010 11:31:52 AM
Kame$25.00$25.001/26/2010 11:32:24 AM
divedude$25.00$25.001/26/2010 11:32:53 AM
KeepOnRunning$47.23$47.231/26/2010 11:31:11 AM
MortgageeMarty$25.00$25.001/26/2010 11:33:59 AM
rose88$25.00$25.001/26/2010 11:38:16 AM
tolstoy00$25.00$25.001/26/2010 11:44:03 AM
Gibbyland$100.00$100.001/26/2010 11:45:46 AM
unclejaef$25.00$25.001/26/2010 11:38:09 AM
mizount$25.00$25.001/26/2010 11:40:38 AM
impartial-deal$25.00$25.001/26/2010 11:40:51 AM
huorn$25.00$25.001/26/2010 11:42:11 AM
laniac$25.00$25.001/26/2010 11:43:43 AM
BlindProphet$25.00$25.001/26/2010 11:44:09 AM
stikman$25.00$25.001/26/2010 11:44:33 AM
the-profit-oracle$25.00$25.001/26/2010 11:59:03 AM
porwestco$25.00$25.001/26/2010 3:32:04 PM
irishcocacola$25.00$25.001/26/2010 4:45:47 PM
212 bids
 
Borrower Payment Dependent Notes Series 443311
This series of Notes was issued and sold upon the funding of the borrower loan #40621, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 26.00% Starting borrower rate/APR: 27.00% / 29.33% Starting monthly payment: $163.30
Final lender yield: 17.59% Final borrower rate/APR: 18.59% / 20.81% Final monthly payment: $145.80
 
Auction yield range: 4.06% - 26.00% Estimated loss impact: 2.18%  
Lender servicing fee: 1.00% Estimated return: 15.41%  
<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-1990 Debt/Income ratio: 75%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $4,834 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 16%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: gringa 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
Paying Off Credit Cards
Purpose of loan:
This loan will be used to pay off credit cards?

My financial situation:
I am a good candidate for this loan because I have good credit, and stable employment.
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 one public record. Please answer on your listing. - sshgfwb
A: Over 7 years ago Bankruptcy. (Jan-22-2010)
Q: looking at your listing history, you have withdrawn a couple of loans that were funded...why? what terms are acceptable to you with this request? - skillful-asset5
A: Due to different financial situation, The terms will be determined at the end of the posting, and then I have to make a choice like every other process. Thanks for asking. (Jan-22-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
base858$27.06$27.061/20/2010 9:59:23 AM
alaskakid$34.00$34.001/20/2010 4:17:34 PM
vivacious-p2p3$25.00$25.001/21/2010 4:46:44 AM
aha6297$25.73$25.731/21/2010 2:01:25 PM
chrisb1414$25.00$25.001/22/2010 12:00:26 PM
SunriseTrader1$50.00$50.001/22/2010 1:03:01 PM
Bank_Of_XL$25.00$25.001/22/2010 6:51:42 PM
XopherMV$25.00$25.001/22/2010 8:25:10 PM
PalmerTheEmbalmer$25.00$25.001/23/2010 1:51:17 AM
Kenosplit$418.58$418.581/23/2010 2:27:05 PM
cashhelp$25.00$25.001/24/2010 5:06:15 PM
flshdaskll$25.00$25.001/24/2010 7:53:28 PM
principal-mermaid$52.59$52.591/25/2010 9:42:38 AM
patriot384$25.00$25.001/26/2010 4:55:55 AM
seadrg$25.00$25.001/26/2010 7:48:22 AM
alterlatina$25.00$25.001/26/2010 10:48:51 AM
thoughtful-community7$25.00$25.001/26/2010 10:23:12 AM
cedar_rose$25.00$25.001/26/2010 11:31:28 AM
wkeboarder21$50.00$50.001/26/2010 11:43:45 AM
LibbyZ$50.00$50.001/26/2010 11:51:00 AM
371millwood$200.00$200.001/26/2010 12:32:27 PM
nalaari$50.00$50.001/26/2010 12:10:42 PM
lendaton$25.00$25.001/26/2010 1:55:16 PM
STAN7366$50.00$50.001/26/2010 2:43:06 PM
HermanstadtKid$60.00$60.001/26/2010 12:24:09 PM
just-trade0$36.00$36.001/26/2010 3:47:22 PM
dpries123$25.00$25.001/26/2010 12:17:17 PM
c-gurista-5$25.00$25.001/26/2010 12:34:19 PM
Num1Knicks$25.00$25.001/26/2010 1:43:52 PM
leverage-monger$27.18$27.181/26/2010 1:46:17 PM
loyalty-czar$95.60$95.601/26/2010 1:55:26 PM
coin-trajectory$26.00$26.001/26/2010 2:13:55 PM
Leshan$25.00$25.001/26/2010 1:43:26 PM
nalaari$50.00$50.001/26/2010 2:22:16 PM
revenue-appraiser$30.40$30.401/26/2010 3:12:59 PM
The-CAPS-fan$45.00$45.001/26/2010 3:21:32 PM
asya$29.00$29.001/26/2010 3:30:04 PM
PerryTech$50.00$50.001/26/2010 4:13:24 PM
maplehouse$26.46$26.461/26/2010 4:30:53 PM
goodhearted-basis4$25.00$25.001/26/2010 4:54:04 PM
organic-platinum$25.00$25.001/26/2010 4:55:32 PM
Ray3486$50.00$50.001/26/2010 4:57:07 PM
TackingWindward$25.00$25.001/26/2010 4:50:51 PM
AxionMan05$100.00$100.001/19/2010 9:43:51 PM
Bob450$50.00$50.001/19/2010 8:31:01 PM
CommerciaLender$25.00$25.001/20/2010 7:12:20 PM
thoughtful-community7$25.00$25.001/21/2010 7:39:16 AM
Kenosplit$106.46$106.461/21/2010 8:24:03 AM
silvercertificate$28.30$28.301/21/2010 9:07:01 AM
lovely-leverage$25.00$25.001/21/2010 11:04:55 AM
inforapenny$25.00$25.001/21/2010 3:01:07 PM
hebergee$50.00$50.001/22/2010 10:25:24 AM
chibear34$25.00$25.001/24/2010 1:41:35 PM
alex189a$50.00$50.001/24/2010 7:33:07 PM
sshgfwb$25.00$25.001/25/2010 9:58:35 AM
ujiba$25.00$25.001/25/2010 11:37:32 AM
realtormoises$25.00$25.001/25/2010 11:38:48 AM
Joeburly$75.00$75.001/25/2010 2:53:19 PM
Watersports$100.00$100.001/25/2010 3:02:10 PM
umfan123$25.00$25.001/26/2010 7:54:52 AM
gustavholstopus32$25.00$25.001/26/2010 10:39:33 AM
khamen$25.00$25.001/26/2010 12:09:33 PM
edsmoney$100.00$100.001/26/2010 1:08:51 PM
boomer61$30.00$30.001/26/2010 1:09:52 PM
skaught$50.00$50.001/26/2010 12:11:59 PM
mckhbnpc$25.00$25.001/26/2010 1:50:43 PM
BrighterSuns$25.00$25.001/26/2010 1:55:01 PM
CycleRyder$25.00$25.001/26/2010 2:01:48 PM
ctruong53$80.00$80.001/26/2010 12:18:07 PM
Isotope$25.00$25.001/26/2010 12:24:39 PM
cti11$25.00$25.001/26/2010 3:10:51 PM
rockymtbob$25.00$25.001/26/2010 12:44:20 PM
Road_Dogg$100.00$100.001/26/2010 1:13:00 PM
IPG1$25.00$25.001/26/2010 1:15:30 PM
dasbuntenheim$29.80$29.801/26/2010 1:31:20 PM
Benny$50.00$50.001/26/2010 1:43:07 PM
NekHoldings$25.00$25.001/26/2010 1:55:00 PM
borroworlend$50.00$50.001/26/2010 1:14:43 PM
EODLEGS$25.00$25.001/26/2010 1:38:01 PM
dlg$36.36$36.361/26/2010 1:38:59 PM
mpatrick$50.00$50.001/26/2010 2:23:41 PM
Jazzy503$25.00$25.001/26/2010 3:07:59 PM
leverage-monger$50.00$50.001/26/2010 3:30:44 PM
0403$25.00$25.001/26/2010 3:18:51 PM
pythia$25.00$25.001/26/2010 3:28:16 PM
DasMula$25.00$25.001/26/2010 4:02:34 PM
Xoxira$48.51$48.511/26/2010 4:04:58 PM
unger$50.00$6.971/26/2010 4:50:04 PM
78$25.00$25.001/26/2010 4:56:56 PM
HeroJason86$100.00$100.001/26/2010 4:45:55 PM
90 bids
 
Borrower Payment Dependent Notes Series 443355
This series of Notes was issued and sold upon the funding of the borrower loan #40633, 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-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 33.94% Final borrower rate/APR: 34.94% / 37.39% Final monthly payment: $135.61
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.93%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Mar-1970 Debt/Income ratio: 18%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 18Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: aggresive-fairness9 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
pay unexpected bills
Purpose of loan:
This loan will be used to?Pay bills until the end of February when I will start to get 1600/month social security?

My financial situation:
I am a good candidate for this loan because? I am a good candidate for the loan as I am making 1000 per month at walmart and will be receiving starting february 1600 per month social security.? I also have a part time arts and craft business where I acquire approximately 500 per month

Monthly net income: $
3100
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 300
??Car expenses: $ 350
??Utilities: $ 150
??Phone, cable, internet: $ 107
??Food, entertainment: $ 200
??Clothing, household expenses $ 50Credit cards and other loans: $ 0
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 nature of the unexpected bills. Thanks and best wishes. - reflective-rupee
A: I am starting social security in February and my 401K money did not quite stretch out until that time. I am semi retiring and working at walmart part time. This money will get me trhrough until that time. (Jan-20-2010)
Q: So, to be clear, your 401k funds have bridged you so far, correct? Thanks - reflective-rupee
A: That is correct. Once I start receiving my social security of 1600 per month and with my walmart salary and my part time craft business, I feel that I will be able to meet my financial responsibilites including repayment of this loan. (Jan-20-2010)
Q: Would you expect to pay this loan off early, given the substantial increase in your income upon the start of social security for you? Thanks - reflective-rupee
A: I have always felt the obligation of paying off my debts as soon as possible. I will be doing what ever I can do to pay off this debt before the required 3 years. (Jan-20-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lucrative-loan$50.00$50.001/19/2010 5:22:41 PM
DasMula$50.00$50.001/19/2010 6:07:42 PM
Bob450$25.00$25.001/19/2010 8:18:58 PM
reflective-rupee$25.00$25.001/20/2010 6:49:43 AM
ore-bada-bing$300.00$300.001/21/2010 12:13:40 AM
reflective-rupee$25.00$25.001/21/2010 5:42:48 AM
vivacious-p2p3$25.00$25.001/21/2010 4:48:48 AM
aprilapril$25.00$25.001/21/2010 9:42:36 AM
epic-payout$50.00$50.001/21/2010 11:08:28 AM
bold-dynamic-silver$25.00$25.001/21/2010 11:34:01 PM
maccpro1$50.00$50.001/22/2010 9:40:21 PM
auction-mastery$33.77$9.051/23/2010 2:14:35 PM
Tono$25.00$25.001/23/2010 2:28:53 PM
shneb$50.00$50.001/23/2010 2:49:56 PM
AtlantistoXanadu$50.00$50.001/23/2010 4:43:04 PM
dynamic-capital$25.00$25.001/23/2010 6:14:28 PM
Montgomery-Burns$25.00$25.001/24/2010 8:21:38 AM
marwadi-62$25.00$25.001/24/2010 8:00:45 AM
DasMula$50.00$50.001/24/2010 6:08:29 PM
innovator2$50.00$50.001/24/2010 9:06:42 PM
MTF$100.00$100.001/25/2010 11:02:51 AM
tcbmc$42.81$42.811/25/2010 12:15:04 PM
charliecubs$25.00$25.001/25/2010 1:56:47 PM
Cashlender1992$25.00$25.001/25/2010 7:02:21 PM
DonDiego$25.00$25.001/26/2010 12:42:46 AM
exchange-cowbell5$25.00$25.001/26/2010 9:08:57 AM
TuPari$25.00$25.001/26/2010 10:06:39 AM
value-crusader5$25.50$25.501/26/2010 10:29:47 AM
PerryTech$25.00$25.001/26/2010 11:07:48 AM
Astyanax$50.00$50.001/26/2010 10:42:02 AM
the-profit-oracle$25.00$25.001/26/2010 12:00:35 PM
manrandom$400.00$400.001/26/2010 2:19:26 PM
red-favorable-basis$25.00$25.001/26/2010 12:40:54 PM
Leshan$25.00$25.001/26/2010 1:46:30 PM
ultimate-peace$150.00$150.001/26/2010 3:03:07 PM
Fromthebu$25.00$25.001/26/2010 2:56:28 PM
wild-orange$25.00$25.001/26/2010 4:18:54 PM
friendinmoney$25.00$25.001/26/2010 4:58:17 PM
reflective-rupee$25.00$25.001/20/2010 6:49:17 AM
reflective-rupee$25.00$25.001/20/2010 6:49:55 AM
reflective-rupee$25.00$25.001/20/2010 6:49:31 AM
winmals$25.00$25.001/20/2010 7:18:01 AM
mom4mel$50.00$50.001/20/2010 2:37:34 PM
unk1911$25.00$25.001/20/2010 4:48:53 PM
reflective-rupee$25.00$25.001/21/2010 5:43:07 AM
uvumf$60.00$60.001/21/2010 6:50:05 AM
ihelpunow$50.00$50.001/21/2010 4:26:09 PM
aztec$80.00$80.001/22/2010 5:32:20 PM
GeoLender$25.00$25.001/23/2010 7:05:04 AM
bankbuddy55$25.00$25.001/23/2010 8:21:07 AM
loss-of-control$25.00$25.001/23/2010 8:47:22 PM
Your_Bank$25.00$25.001/24/2010 6:57:55 PM
eureka117$25.00$25.001/25/2010 5:44:38 AM
realtormoises$25.00$25.001/25/2010 12:06:15 PM
Peterman$25.00$25.001/25/2010 12:48:15 PM
loss-of-control$25.00$25.001/25/2010 6:46:01 PM
NekHoldings$25.00$25.001/26/2010 5:55:08 AM
piter-to-la-investment$25.00$25.001/26/2010 11:45:34 AM
uvumf$31.64$31.641/26/2010 11:46:20 AM
sunshinysmiles$25.00$25.001/26/2010 12:02:56 PM
credit-sasquatch3$26.00$26.001/26/2010 12:12:40 PM
mrwonderful272$25.00$25.001/26/2010 1:19:27 PM
ultimate-peace$150.00$150.001/26/2010 3:16:55 PM
order-boomerang$25.00$25.001/26/2010 4:51:29 PM
unger$50.00$50.001/26/2010 4:55:25 PM
65 bids
 
Borrower Payment Dependent Notes Series 443395
This series of Notes was issued and sold upon the funding of the borrower loan #40623, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-20-2010 
  Auction end date:  Jan-26-2010 
 
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: 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: Feb-1990 Debt/Income ratio: 35%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $2,746 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: angels2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 50 ( 88% ) 620-639 (Latest)
Principal borrowed: $8,650.00< mo. late: 7 ( 12% )  
560-579 (Apr-2008)
560-579 (Feb-2008)
540-559 (Dec-2007)
600-619 (Nov-2007)
 
Principal balance: $887.31 1+ mo. late: 0 ( 0% )
Total payments billed: 57  
Description
Lower Amount... Breathe Again!

LOWER AMOUNT!

This loan will be used for... To help me pay down on my credit card and part of my tuition to avoid interest rate increase.?
I am a good candidate for this loan because? I've been employed with the same company for over 2 years, my husband and I bring home $8000 monthly,?I pay my bills on time?and trying to increase my FICO score!

Expenses:

Mortgage - $2100.00 monthly this includes property taxes
Car?Payments - $841.22 monthly??
Utilities Electric, Cable, Internet & Gas $553.50 monthly
Cell Phones $93.00 monthly
Car & House Insurance $380.33 monthly??
Boat payment?$250.00 monthly
Student Tuition (for Classes) $725 monthly payment ?Remaining Balance $7500
Capital One $3200
Prosper Loan Current Balance $889.78
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please tell us what type of job you have? Please post you answer publically. - exchange-cowbell5
A: I would be happy too... I work as a project analyst full time, I started with my employer a couple of years ago as a consultant and was hired on full time after my probation period was up. I hope that answers your question. Regards, (Jan-24-2010)
Q: Can you tell us why you were late on your last prosper 8 times? How much other dept do you have? Can you please post your answer publically. - exchange-cowbell5
A: There were a couple of issues that had happened the first was my direct deposit was late a few times and my monthly payments from prosper had posted to my account. As soon as my direct deposit went in the next day, I immediately made my monthly payment, so I was not 30 days late, it would be a day. The other issue was with my last loan that is now paid in full, I had to change my bank account due to identity theft and it did not get updated in time for payments to be redirected. (Jan-24-2010)
Q: Can you highlight what your monthly family free cash flow and remaining debt load will be after this loan is funded. Thanks JJ - quickstep
A: By getting this loan it will allow me to pay down on my student loan and part of my credit card payment until I receive my taxes then I will be able to pay off the rest of my debt. I will only have my loan payments to prosper, this will give me an estimate of $800 of free cash flow and allow me to pay down on my propser loans. I hope that answers any questions or concerns you have. (Jan-25-2010)
Q: please clarify your total monthly net income, and total monthly expenses, both as single figures, so we can see what's left to put on your new Prosper monthly payment. thank you - Tono
A: I would be happy too,.. my net income is $3985 per month, I pay $841.22 a month for two car payments, $380.33 a month for car and house insurance, $725 per month for my student loan, $ 93.00 a month for my cell phone, $73.59 per month for my current prosper loan, $553.50 per month for my cable/internet, gas, and electric bill and $160.00 per month for my credit card so I could pay down on it sooner, and $500 per month towards the mortgage. I hope that answers your question. (Jan-26-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.001/20/2010 4:16:11 PM
myutmost$50.00$50.001/23/2010 6:10:22 AM
DenimCapital$100.00$100.001/24/2010 6:23:20 AM
DenimCapital$100.00$100.001/24/2010 6:23:05 AM
GlenBank$100.00$100.001/24/2010 8:10:02 AM
equitylender$48.00$48.001/24/2010 1:34:48 PM
lucrative-loan$50.00$50.001/25/2010 1:10:46 PM
Peterman$25.00$25.001/25/2010 1:25:47 PM
SolarMoonshine$200.00$200.001/25/2010 5:33:53 PM
reflective-rupee$100.00$100.001/26/2010 2:40:50 AM
reflective-rupee$100.00$100.001/26/2010 2:41:27 AM
realtormoises$25.00$25.001/26/2010 8:10:57 AM
exchange-cowbell5$100.00$100.001/26/2010 9:25:15 AM
FarmersBank$25.00$25.001/26/2010 9:56:27 AM
PerryTech$25.00$25.001/26/2010 11:13:05 AM
piter-to-la-investment$25.00$25.001/26/2010 11:52:12 AM
tdorren$25.00$25.001/26/2010 12:36:05 PM
innovator2$50.00$50.001/26/2010 1:46:54 PM
divergregg$25.00$25.001/26/2010 2:33:27 PM
leverage-monger$25.00$25.001/26/2010 2:16:31 PM
dcm6276$25.00$25.001/26/2010 3:42:17 PM
bold-dynamic-silver$25.00$25.001/26/2010 5:12:06 PM
credit-missile$54.44$54.441/26/2010 5:12:22 PM
grafton$750.00$750.001/26/2010 5:21:20 PM
Jasmel$400.00$364.121/20/2010 4:27:30 PM
Iceman1347$25.00$25.001/22/2010 10:09:42 AM
DenimCapital$100.00$100.001/24/2010 6:23:34 AM
DenimCapital$100.00$100.001/24/2010 6:23:50 AM
DenimCapital$100.00$100.001/24/2010 6:24:07 AM
DasMula$100.00$100.001/24/2010 6:00:32 PM
Ronnieboy888$25.00$25.001/25/2010 11:05:47 AM
penny-surgeon$25.00$25.001/25/2010 5:41:03 PM
reflective-rupee$100.00$100.001/26/2010 2:39:46 AM
sensible-fund$80.00$80.001/26/2010 5:39:28 AM
reflective-rupee$100.00$100.001/26/2010 2:41:11 AM
exchange-cowbell5$100.00$100.001/26/2010 9:24:59 AM
Bob450$25.00$25.001/26/2010 11:20:03 AM
eronyc$25.00$25.001/26/2010 11:55:33 AM
gpsgreg$25.00$25.001/26/2010 2:05:27 PM
PeterPsych$500.00$500.001/26/2010 4:54:59 PM
credit-missile$50.00$50.001/26/2010 5:11:31 PM
CoffeyvilleKS$25.00$25.001/26/2010 5:13:17 PM
integrity-serenity7$28.44$28.441/26/2010 5:31:46 PM
Kash2010lu$25.00$25.001/26/2010 5:46:39 PM
44 bids
 
Borrower Payment Dependent Notes Series 443499
This series of Notes was issued and sold upon the funding of the borrower loan #40583, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-20-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $150.86
Final lender yield: 19.05% Final borrower rate/APR: 20.05% / 22.29% Final monthly payment: $148.76
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1998 Debt/Income ratio: 38%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 13 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $14,195 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: newest-superb-penny 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 Bills
Purpose of loan:
This loan will be used to catch up on my bills.? I cannot turn to family because we are all having a tough time.?
I am currently trying to pay off all my credit cards through a debt management program, so I don't have the luxury of turning to credit cards for emergencies.? I am currently behind on insurance payments, cell phone bills, and often don't have money for gas...?
My financial situation:
I am a good candidate for this loan because I do have a full time job as a retail manager.? It just seems that I keep on borrowing from the next paycheck and juggling my funds to be able to pay this.? Once I catch up on my bills I will have enough money to?pay off this loan?

Monthly net income: $ 3,200

Monthly expenses: $ 2800
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
KB4UF$25.00$25.001/20/2010 4:07:43 PM
loanfairy$25.00$25.001/20/2010 4:11:42 PM
selector568$100.00$100.001/20/2010 4:12:07 PM
revenue-serenity$25.00$25.001/20/2010 4:07:28 PM
Tavita$25.00$25.001/20/2010 4:13:26 PM
meteoric-asset4$25.00$25.001/20/2010 4:13:47 PM
cyberie21$25.00$25.001/20/2010 4:11:33 PM
galaxy1$25.00$25.001/20/2010 4:15:58 PM
tremendous-payment$25.00$25.001/20/2010 4:16:01 PM
coin-investor$25.00$25.001/20/2010 4:16:25 PM
principal-kung-fu$25.00$25.001/20/2010 4:12:54 PM
cu2maro$25.00$25.001/20/2010 4:07:17 PM
order-boomerang$25.00$25.001/20/2010 4:08:56 PM
schpere$25.00$25.001/20/2010 4:16:37 PM
copperfield$25.00$25.001/20/2010 4:10:57 PM
lounges$50.00$50.001/20/2010 4:11:04 PM
walabie$25.00$25.001/20/2010 4:12:21 PM
ekmendenhall$25.00$25.001/20/2010 4:12:37 PM
transaction-axis$25.00$25.001/20/2010 4:22:40 PM
auction-elvis$25.00$25.001/20/2010 4:12:41 PM
marketplace-achievement$25.00$25.001/20/2010 4:22:59 PM
elephantparty$25.00$25.001/20/2010 4:24:46 PM
industrious-dedication$25.00$25.001/20/2010 4:25:03 PM
Supernick$42.14$42.141/20/2010 4:15:41 PM
Marathoner$25.00$25.001/20/2010 4:15:43 PM
kbodendorf$25.00$25.001/20/2010 4:25:27 PM
forthright-social$25.00$25.001/20/2010 4:15:55 PM
Beverly_Hills_Lender$25.00$25.001/20/2010 4:25:33 PM
tallcoolone$50.00$50.001/20/2010 4:26:05 PM
rock-turner$25.00$25.001/20/2010 4:26:07 PM
graceful-investment$50.00$50.001/20/2010 4:26:15 PM
brooklynjoe$25.00$25.001/20/2010 4:26:37 PM
kanakakm$25.00$25.001/20/2010 4:24:07 PM
AFairDeal$25.00$25.001/20/2010 4:24:51 PM
tedsrfdude$25.00$25.001/20/2010 4:24:54 PM
OldFriend$25.00$25.001/20/2010 4:25:10 PM
hitsman$50.00$50.001/20/2010 4:28:07 PM
thestartuplender$35.00$35.001/20/2010 4:28:20 PM
worldly-community3$25.00$25.001/20/2010 4:28:38 PM
Fortuno_per_commodo$25.00$25.001/20/2010 4:26:10 PM
reflective-cash0$50.00$50.001/20/2010 4:26:17 PM
balance-voyager$100.00$100.001/20/2010 4:26:53 PM
georgethesir$50.00$50.001/20/2010 4:23:16 PM
toxicbutterfly$25.00$25.001/20/2010 4:23:19 PM
Pizza-man$50.00$50.001/20/2010 4:27:40 PM
E_G$30.00$30.001/20/2010 4:27:50 PM
MrDavid$25.00$25.001/20/2010 4:24:05 PM
wayman$50.00$50.001/20/2010 4:28:01 PM
blooming-dedication$50.00$50.001/20/2010 4:28:44 PM
HamachiMan$25.00$25.001/20/2010 4:26:57 PM
martiantim$25.00$25.001/20/2010 4:27:04 PM
chekat$25.00$25.001/20/2010 4:27:08 PM
BlindJoeDeath$25.00$25.001/20/2010 4:27:22 PM
benefit-squirrel$30.00$30.001/20/2010 4:28:03 PM
klinebarger$25.00$25.001/20/2010 4:28:16 PM
kchen486$25.00$25.001/20/2010 4:28:24 PM
melodious-fairness$25.00$25.001/20/2010 4:28:53 PM
Bob450$25.00$25.001/20/2010 4:48:27 PM
lowcostmoney$25.00$25.001/20/2010 4:11:09 PM
peso-colonel$25.00$25.001/20/2010 4:12:14 PM
burrito6$25.00$25.001/20/2010 4:06:57 PM
AF-Chief$35.00$35.001/20/2010 4:11:16 PM
yield-hero4$25.00$25.001/20/2010 4:12:10 PM
diplomatic-point4$50.00$50.001/20/2010 4:16:30 PM
piter-to-la-investment$25.00$25.001/20/2010 4:16:41 PM
community-pipeline8$50.00$50.001/20/2010 4:12:35 PM
ccaxid57$25.00$25.001/20/2010 4:12:38 PM
Doodlemeyer$25.00$25.001/20/2010 4:15:50 PM
duty-sensai$25.00$25.001/20/2010 4:11:41 PM
CPDDDS$50.00$50.001/20/2010 4:12:40 PM
tmillerosu$25.00$25.001/20/2010 4:23:11 PM
axis1$25.00$25.001/20/2010 4:13:43 PM
AGSLending$25.00$25.001/20/2010 4:24:12 PM
enb3$25.00$25.001/20/2010 4:24:29 PM
bogart2277$25.00$25.001/20/2010 4:24:33 PM
upbeat-investment9$25.00$25.001/20/2010 4:24:40 PM
friendly-return7$25.00$25.001/20/2010 4:15:35 PM
blackstar$25.00$25.001/20/2010 4:16:26 PM
LenderExtraordinaire$25.00$25.001/20/2010 4:26:02 PM
egw$25.00$25.001/20/2010 4:16:34 PM
integrity-doctor$50.00$50.001/20/2010 4:16:45 PM
busnssmn$25.00$25.001/20/2010 4:23:14 PM
keeminn$25.00$25.001/20/2010 4:23:17 PM
reueljw$25.00$25.001/20/2010 4:23:22 PM
mtquan$25.00$25.001/20/2010 4:27:10 PM
jrbill1998$50.00$50.001/20/2010 4:24:34 PM
aneley777$25.00$25.001/20/2010 4:24:43 PM
The_Donald$25.00$25.001/20/2010 4:24:50 PM
Diamond_Jim$25.00$25.001/20/2010 4:27:45 PM
bill-expert$25.00$25.001/20/2010 4:25:06 PM
rlcot$25.00$25.001/20/2010 4:25:13 PM
orange-courageous-dedication$30.00$30.001/20/2010 4:28:22 PM
note-tent$25.00$25.001/20/2010 4:28:27 PM
techvet$25.00$25.001/20/2010 4:28:30 PM
exact-loan5$25.00$25.001/20/2010 4:28:34 PM
Aeroman32$25.00$25.001/20/2010 4:28:57 PM
peerlender$30.00$2.861/20/2010 4:28:59 PM
peterpossum$25.00$25.001/20/2010 4:26:34 PM
saffron4$25.00$25.001/20/2010 4:26:40 PM
bold-principal-thinker$25.00$25.001/20/2010 4:26:44 PM
paymentologist$25.00$25.001/20/2010 4:27:13 PM
felicity-synapse$25.00$25.001/20/2010 4:27:26 PM
punctual-power7$25.00$25.001/20/2010 4:27:37 PM
deal_maker78$100.00$100.001/20/2010 4:23:54 PM
gentle-note$25.00$25.001/20/2010 4:24:37 PM
oaktown23$50.00$50.001/20/2010 4:24:58 PM
brazilofmux$100.00$100.001/20/2010 4:28:50 PM
maldok1$25.00$25.001/20/2010 4:25:22 PM
plentiful-reward$50.00$50.001/20/2010 4:25:30 PM
credible-durability$25.00$25.001/20/2010 4:25:35 PM
serpentine$50.00$50.001/20/2010 4:26:49 PM
bigphish$25.00$25.001/20/2010 4:27:19 PM
aasx1108$25.00$25.001/20/2010 4:27:31 PM
astute-dollar$100.00$100.001/20/2010 4:27:43 PM
credit-kahuna$100.00$100.001/20/2010 4:27:53 PM
payout-achievement$40.00$40.001/20/2010 4:27:58 PM
duty-monger$50.00$50.001/20/2010 4:28:12 PM
flopcat$25.00$25.001/20/2010 4:28:42 PM
Bank_Of_XL$50.00$50.001/21/2010 8:45:22 AM
melodious-fairness$25.00$25.001/21/2010 10:02:33 AM
hellasow$30.00$30.001/21/2010 11:38:16 AM
121 bids
 
Borrower Payment Dependent Notes Series 443505
This series of Notes was issued and sold upon the funding of the borrower loan #40653, 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-20-2010 
  Auction end date:  Jan-22-2010 
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $207.90
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $205.20
 
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: 7 First credit line: Nov-1998 Debt/Income ratio: 7%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:9y 5m
Amount delinquent: $0 Revolving credit balance: $4,865 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 75%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: golden-payout9 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
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
BidderAmount BidAmount WinningBid Date (PT)
Kreditorium$100.00$100.001/20/2010 4:08:37 PM
Angleofcare$25.00$25.001/20/2010 4:09:03 PM
Boom00$25.00$25.001/20/2010 4:09:07 PM
tomas090$25.00$25.001/20/2010 4:09:16 PM
magnetic-duty$25.00$25.001/20/2010 4:09:21 PM
first-restless-payout$25.00$25.001/20/2010 4:09:28 PM
mswmba$25.00$25.001/20/2010 4:09:38 PM
spitzbergen$25.00$25.001/20/2010 4:10:01 PM
macbeck22$25.00$25.001/20/2010 4:10:09 PM
ZTA0796$25.00$25.001/20/2010 4:10:15 PM
omerta6102$50.00$50.001/20/2010 4:10:36 PM
socalavi8tor$25.00$25.001/20/2010 4:10:40 PM
Entejaeger$25.00$25.001/20/2010 4:10:45 PM
seisen$50.00$50.001/20/2010 4:07:25 PM
EnigmaNYC-29$25.00$25.001/20/2010 4:13:00 PM
gold-sushi$25.00$25.001/20/2010 4:07:29 PM
Laima$25.00$25.001/20/2010 4:13:14 PM
ChuckieG$50.00$50.001/20/2010 4:07:59 PM
zippy-coin$25.00$25.001/20/2010 4:08:17 PM
smmgnn99$35.00$35.001/20/2010 4:09:00 PM
randsenterprise$25.00$25.001/20/2010 4:09:08 PM
open-minded-finance1$25.00$25.001/20/2010 4:09:23 PM
wise-cash-keeper$35.00$35.001/20/2010 4:14:26 PM
Andaliego$25.02$25.021/20/2010 4:09:31 PM
capital-lesson$25.00$25.001/20/2010 4:14:31 PM
oldmora$50.00$50.001/20/2010 4:10:05 PM
circustab$50.00$50.001/20/2010 4:14:34 PM
aznmikelee$25.00$25.001/20/2010 4:10:07 PM
contract-voltage$25.00$25.001/20/2010 4:10:41 PM
treasure-bliss$100.00$100.001/20/2010 4:11:38 PM
UT-Longhorn$25.00$25.001/20/2010 4:16:19 PM
circuitfive$25.00$25.001/20/2010 4:17:01 PM
elegant-bonus$25.00$25.001/20/2010 4:12:59 PM
apeloans$25.00$25.001/20/2010 4:17:06 PM
famous-bill$50.00$50.001/20/2010 4:13:04 PM
delivery$25.00$25.001/20/2010 4:17:25 PM
time4aloan$30.00$30.001/20/2010 4:17:28 PM
bassman2$25.00$25.001/20/2010 4:17:31 PM
Gibbyland$50.00$50.001/20/2010 4:17:38 PM
MrMoney0622$25.00$25.001/20/2010 4:14:18 PM
Dubbs360$100.00$100.001/20/2010 4:17:43 PM
Deltaoneblue$25.00$25.001/20/2010 4:14:30 PM
xzec777$25.00$25.001/20/2010 4:17:56 PM
akesef$25.00$25.001/20/2010 4:14:36 PM
intrepid-transaction5$25.00$25.001/20/2010 4:17:58 PM
hc90474$25.00$25.001/20/2010 4:06:47 PM
slico$25.00$25.001/20/2010 4:14:43 PM
order-boomerang$25.00$25.001/20/2010 4:08:06 PM
oneforthemoney$25.00$25.001/20/2010 4:09:14 PM
steady-payout6$25.00$25.001/20/2010 4:09:33 PM
GatorBux$25.00$25.001/20/2010 4:16:18 PM
a-versatile-power$25.00$25.001/20/2010 4:09:41 PM
AlexTrep$25.00$25.001/20/2010 4:09:52 PM
cash-boots$25.00$25.001/20/2010 4:09:59 PM
BlueWave$25.00$25.001/20/2010 4:10:07 PM
kmr2$50.00$50.001/20/2010 4:16:56 PM
MidLifeCrisis$25.00$25.001/20/2010 4:17:07 PM
Shepherd7$25.00$25.001/20/2010 4:17:15 PM
red-favorable-basis$25.00$25.001/20/2010 4:17:26 PM
SNH$31.84$31.841/20/2010 4:17:40 PM
ingenious-deal6$25.00$25.001/20/2010 4:17:46 PM
jhouman$25.00$25.001/20/2010 4:18:00 PM
orange-preeminant-bill$100.00$100.001/20/2010 4:12:23 PM
DRA-Properties$25.00$25.001/20/2010 4:18:04 PM
orange-vigilance-shower$25.00$25.001/20/2010 4:18:06 PM
secobarbital$25.00$25.001/20/2010 4:18:14 PM
angeimack$25.00$25.001/20/2010 4:13:16 PM
joplinoz$25.00$25.001/20/2010 4:14:28 PM
dime-reaction$25.00$25.001/20/2010 4:14:32 PM
deuce747$25.00$25.001/20/2010 4:14:40 PM
etraboulay$25.00$25.001/20/2010 4:14:44 PM
inspiring-reward$50.00$50.001/20/2010 4:20:10 PM
witl0w77$25.00$25.001/20/2010 4:15:39 PM
happyaric$100.00$100.001/20/2010 4:17:02 PM
thoughtful-community7$25.00$25.001/20/2010 4:17:16 PM
copper$30.00$30.001/20/2010 4:17:20 PM
merriewold$25.00$25.001/20/2010 4:17:47 PM
steves73$25.00$25.001/20/2010 4:18:03 PM
affluence-tycoon$25.00$25.001/20/2010 4:18:08 PM
loan-master996$50.00$50.001/20/2010 4:18:17 PM
falcon88dp$25.00$25.001/20/2010 4:20:06 PM
czar3$40.00$40.001/20/2010 6:42:09 PM
Robbdogg$25.00$25.001/21/2010 8:18:01 AM
sharkm$25.00$25.001/20/2010 4:08:59 PM
aycinvestments$25.00$25.001/20/2010 4:09:12 PM
SPB$25.00$25.001/20/2010 4:09:26 PM
puppy880$25.00$25.001/20/2010 4:09:46 PM
iGeoff$25.00$25.001/20/2010 4:09:57 PM
Share_The_Wealth$50.00$50.001/20/2010 4:10:12 PM
suomynona$25.00$25.001/20/2010 4:10:38 PM
BeenThereMyself$50.00$50.001/20/2010 4:10:44 PM
golden-cat$25.00$25.001/20/2010 4:10:47 PM
peaceful-trade$25.00$25.001/20/2010 4:10:53 PM
unclejaef$25.00$25.001/20/2010 4:08:02 PM
Lam0nt$25.00$25.001/20/2010 4:08:40 PM
sunshinysmiles$25.00$25.001/20/2010 4:08:44 PM
54CHEVY$100.00$100.001/20/2010 4:09:18 PM
zone8$100.00$100.001/20/2010 4:09:25 PM
industrious-dedication$25.00$25.001/20/2010 4:14:29 PM
towering-compassion$50.00$50.001/20/2010 4:09:45 PM
NR$25.00$25.001/20/2010 4:14:34 PM
zipemdown$25.00$25.001/20/2010 4:14:37 PM
ambmba$25.00$25.001/20/2010 4:10:43 PM
five-star-note$35.00$35.001/20/2010 4:11:11 PM
AF-Chief$28.00$28.001/20/2010 4:15:32 PM
Artist_Blue$25.00$25.001/20/2010 4:16:06 PM
brutusbone$25.00$25.001/20/2010 4:16:21 PM
coin-investor$25.00$25.001/20/2010 4:16:43 PM
papaloha$50.00$50.001/20/2010 4:16:57 PM
bronzmajom$25.00$25.001/20/2010 4:12:57 PM
LenderExtraordinaire$25.00$25.001/20/2010 4:13:01 PM
benefit-squirrel$25.00$25.001/20/2010 4:17:10 PM
GyJAV_BNCCo$25.00$25.001/20/2010 4:13:11 PM
bountiful-bazaar$25.00$25.001/20/2010 4:17:17 PM
Zanthina$25.00$25.001/20/2010 4:17:27 PM
supreme-hope$25.00$25.001/20/2010 4:17:41 PM
helpful-listing$25.00$25.001/20/2010 4:14:33 PM
terminus$25.00$25.001/20/2010 4:14:38 PM
melodious-fairness$25.00$25.001/20/2010 4:18:01 PM
toxicbutterfly$25.00$25.001/20/2010 4:14:39 PM
sloan$25.00$25.001/20/2010 4:18:09 PM
vkorichkov$30.00$30.001/20/2010 4:14:45 PM
direct-yield$25.00$10.141/20/2010 4:18:24 PM
acleynes$25.00$25.001/20/2010 4:07:55 PM
likeable-openness$25.00$25.001/20/2010 4:08:43 PM
asmodayinvestment$25.00$25.001/20/2010 4:09:06 PM
nowits10$25.00$25.001/20/2010 4:09:29 PM
d_grbg$25.00$25.001/20/2010 4:16:13 PM
dawg25$25.00$25.001/20/2010 4:09:40 PM
witty-principal$25.00$25.001/20/2010 4:09:43 PM
gaditano$25.00$25.001/20/2010 4:09:50 PM
Slend49$25.00$25.001/20/2010 4:10:10 PM
WalnutCreekguy$25.00$25.001/20/2010 4:16:52 PM
handy-justice$25.00$25.001/20/2010 4:17:04 PM
delicious-social132$25.00$25.001/20/2010 4:17:19 PM
yeti888$25.00$25.001/20/2010 4:11:36 PM
lending-bear$25.00$25.001/20/2010 4:17:30 PM
samo102us$25.00$25.001/20/2010 4:17:36 PM
gold-auctioneer7$25.00$25.001/20/2010 4:17:42 PM
skro$25.00$25.001/20/2010 4:17:52 PM
junctionking$25.00$25.001/20/2010 4:17:57 PM
GElender$25.00$25.001/20/2010 4:18:12 PM
exact-loan5$30.00$30.001/20/2010 4:18:20 PM
desertoasis$50.00$50.001/20/2010 4:14:21 PM
AFairDeal$25.00$25.001/20/2010 4:14:25 PM
HamachiMan$25.00$25.001/20/2010 4:14:35 PM
docktah$25.00$25.001/20/2010 4:14:41 PM
shiny-dollar9$25.00$25.001/20/2010 4:14:48 PM
compassion-paladin042$25.00$25.001/20/2010 4:16:08 PM
metro457$40.00$40.001/20/2010 4:16:12 PM
NorthernFunds$25.00$25.001/20/2010 4:16:54 PM
intuitive-bill$25.00$25.001/20/2010 4:17:12 PM
moola-phase$25.00$25.001/20/2010 4:17:23 PM
InChicago$25.00$25.001/20/2010 4:23:49 PM
the-precious-bid$25.00$25.001/20/2010 4:17:45 PM
purdue98$25.00$25.001/20/2010 4:17:53 PM
dime-neutron$25.00$25.001/20/2010 4:35:06 PM
SolarMoonshine$25.00$25.001/20/2010 5:35:15 PM
Bob450$25.00$25.001/20/2010 4:47:56 PM
melodious-fairness$25.00$25.001/21/2010 10:03:08 AM
bold-dynamic-silver$25.00$25.001/21/2010 11:35:38 PM
161 bids
 
Borrower Payment Dependent Notes Series 443679
This series of Notes was issued and sold upon the funding of the borrower loan #40645, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,099.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-21-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.43% Starting monthly payment: $40.84
Final lender yield: 14.06% Final borrower rate/APR: 15.06% / 18.39% Final monthly payment: $38.13
 
Auction yield range: 14.06% - 19.00% Estimated loss impact: 15.30%  
Lender servicing fee: 1.00% Estimated return: -1.24%  
<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: 8 First credit line: Apr-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 620-639 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 9Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $8,398 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Humblepie Borrower's state: Idaho Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
660-679 (Oct-2008)
640-659 (Jan-2007)
640-659 (Oct-2006)
 
Principal balance: $33.54 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Make Loan Payments Lower
This loan will be mainly used to help pay off some credit card debt as my interest rate has risen dramatically for no reason (as much as 30 percent more than the previous rate) and make three months of payments on my student loan repayments.? This will really help me out in a time of dire need.? I have always made my prosper loan payments from a previous loan, and the loan will be fully paid off in about one week, at the end of January. I know this history should help make funding this loan for me a no brainer.

I repeat, I have never had a problem making my previous prosper.com loan payments, and am in good standing with prosper.com.? I was under even much greater financial duress previously than I am now, and I still made sure I made the payments.? This loan will seriously help me out right now, and not raise my financial monthly burdens, which is my number one financial concern.? It will actually help lessen them with a more reasonable interest rate. For these reasons, I feel it is a low risk sure bet for any lender.

Thank you for reading and considering.
Information in the Description is not verified.
Friends And Family Winning Bids
dingus has bid a total of $449.00 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$300.00$300.001/23/2010 11:22:53 AM
lender12345$25.00$25.001/26/2010 6:39:38 PM
Aberdeen$300.00$300.001/23/2010 11:22:49 AM
OGS_Capital$25.00$25.001/26/2010 10:54:22 AM
dingus$435.00$435.001/26/2010 7:12:19 PM
dingus$95.00$14.001/26/2010 7:12:45 PM
6 bids
 
Borrower Payment Dependent Notes Series 443691
This series of Notes was issued and sold upon the funding of the borrower loan #40656, 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: 14.7% Auction start date:  Jan-21-2010 
  Auction end date:  Jan-27-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $226.18
 
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: 6 First credit line: Aug-1997 Debt/Income ratio: 17%
Credit score: 600-619 (Jan-2010) Current / open credit lines: 25 / 25Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 61Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $19,557 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: futuredci Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
580-599 (Aug-2008)
 
Principal balance: $1,960.59 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Help me stick it to Citibank
Purpose of loan:
This loan will be used to??pay off the last of my credit card debt?before Citibank starts raising interest rates to comply with new laws going into effect.??Any interest rate that can beat Citibank's high double-digit rate would be accepted with immense gratitude! :-)

My financial situation:
I am a good candidate for this loan because? I've been a starving graduate student for a long time, but am now gainfully employed in the private sector, and working to agressively pay off/down debt, improve my credit score, and get my student loans under control.

Monthly net income: $ 4300

Monthly expenses: $
??Housing: $ 700 including utilities
??Insurance: $ 100
??Car expenses: $?car is paid for, gas/maintenance 100/mo
??Utilities: $ not applicable, included in housing?number
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ student loan payments 650/mo
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why is your credit score so low? Have you ever declared bankruptcy or defaulted on a financial obligation? Thanks much - reflective-rupee
A: Sadly no, I have neither declared bankruptcy nor defaulted on a financial obligation, the score is mostly driven by the fact that I have a high debt to income ratio. I was a starving student for a long time (8 yrs) while I was working on my PhD and ran up both a lot of credit card debt and student loan debt, and have only been in the working world a few years trying to put a dent in them. (Jan-21-2010)
Q: Please describe, in some detail, the nature and stability of your profession, your employment, and your employer. Thanks much and best wishes. - reflective-rupee
A: I am not comfortable providing a lot of personal information but here are some general facts that should help paint the picture: I have a PhD and work in the financial services industry. I've been at my current firm (which is a fortune 500 company) for 4 1/2 years and have received recognition for being a top performer annually each year. (Jan-21-2010)
Q: Can you please list all your dept? And can you please tell us why this is so high, and what it is for?Revolving credit balance:$19,557 Please answer publically. - exchange-cowbell5
A: I spent 8 years in grad school working on a PhD while supporting my teen age sister, and ran up a large amount of credit card debt simply living day-to-day. I've been working over the past few years to put a large dent in that debt, and am hoping that with this loan I will be able to take a huge leap in that process. I have about 6 major credit cards + a loan for a computer and several store (3) and gas cards (1 ) that currently total just under $20,000, but at one point were as high as $40000 (Jan-25-2010)
Q: See my page. good luck - Tono
A: A couple of lenders have asked for more detail around my monthly expenses. Don't see a way to update my listing so I thought I would answer their question here. Monthly expenses: $ 2265 Housing: $ 700 including utilities Insurance: $ 65 Car expenses: $300 parking/gas/maintenance Phone, cable, internet: $ 100 Food, entertainment: $ 200 Credit cards and other loans: $650/mo student loans, $250/mo credit cards (Jan-26-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$100.00$100.001/21/2010 4:32:38 PM
flexible-economy2$100.00$100.001/22/2010 4:36:41 PM
flexible-economy2$300.00$300.001/22/2010 6:17:17 PM
cunning-bill$25.00$25.001/22/2010 6:40:42 PM
gold-cluster$100.00$100.001/23/2010 11:06:54 AM
zento$25.00$25.001/23/2010 8:56:33 PM
DasMula$65.99$65.991/24/2010 5:31:15 PM
reflective-rupee$100.00$100.001/24/2010 7:54:26 PM
reflective-rupee$100.00$100.001/24/2010 7:55:48 PM
reflective-rupee$100.00$100.001/24/2010 7:54:57 PM
reflective-rupee$100.00$100.001/24/2010 7:55:30 PM
credit-missile$150.00$150.001/24/2010 8:35:14 PM
sensible-fund$50.00$50.001/25/2010 5:01:22 AM
shawnw2$50.00$50.001/25/2010 11:16:39 AM
Peterman$50.00$50.001/25/2010 1:31:54 PM
nilonc1$500.00$500.001/25/2010 2:49:34 PM
penny-surgeon$25.00$25.001/25/2010 2:50:23 PM
SolarMoonshine$50.00$50.001/25/2010 5:29:20 PM
lucrative-loan$100.00$100.001/25/2010 5:41:01 PM
Laxa$25.00$25.001/25/2010 7:06:05 PM
OldManP$25.00$25.001/26/2010 9:23:02 AM
buffalobills$25.00$25.001/26/2010 12:30:06 PM
squarebob$25.00$25.001/26/2010 3:15:34 PM
squarebob$25.00$25.001/26/2010 3:16:26 PM
TackingWindward$25.00$25.001/26/2010 3:52:20 PM
squarebob$25.00$25.001/26/2010 3:16:04 PM
113121$25.00$25.001/26/2010 4:46:21 PM
Tono$25.00$25.001/26/2010 4:40:21 PM
GeoLender$25.00$25.001/26/2010 4:56:07 PM
lender12345$100.00$100.001/26/2010 6:40:15 PM
alexgalt$128.00$128.001/26/2010 7:07:23 PM
bondhedger$25.00$25.001/26/2010 10:25:33 PM
Skeptical-one$50.00$50.001/27/2010 9:44:15 AM
reflective-rupee$100.00$100.001/27/2010 10:13:20 AM
Marfloogan$25.00$25.001/27/2010 12:21:48 PM
reflective-rupee$100.00$100.001/27/2010 10:12:27 AM
reflective-rupee$100.00$100.001/27/2010 10:13:30 AM
wanna-help$25.00$25.001/21/2010 4:39:05 PM
Bob450$50.00$50.001/21/2010 8:39:40 PM
reflective-rupee$100.00$100.001/21/2010 11:40:29 PM
best-generosity-financier$25.00$25.001/22/2010 4:07:44 PM
well-mannered-income3$40.00$40.001/22/2010 7:35:35 PM
bankbuddy55$25.00$25.001/23/2010 8:28:16 AM
GlenBank$100.00$100.001/24/2010 8:14:24 AM
squarebob$25.00$25.001/24/2010 11:36:03 AM
well-mannered-income3$40.00$40.001/24/2010 8:40:48 PM
innovator2$75.00$75.001/24/2010 9:00:22 PM
selector568$100.00$100.001/24/2010 8:37:59 PM
Capit0l$25.00$25.001/25/2010 8:35:27 AM
exchange-cowbell5$100.00$100.001/25/2010 10:21:51 AM
cashhelp$25.00$25.001/25/2010 3:00:33 PM
innovator2$50.00$50.001/25/2010 5:16:06 PM
lender12345$25.00$25.001/25/2010 6:17:17 PM
wise-silver-wonder$25.00$25.001/26/2010 11:52:46 AM
Good_Karma_Cafe$25.00$25.001/26/2010 1:06:20 PM
eronyc$25.00$25.001/26/2010 1:19:49 PM
PeterPsych$300.00$300.001/26/2010 5:37:03 PM
tigercat$50.00$50.001/26/2010 4:48:36 PM
brondero$100.00$100.001/26/2010 5:30:36 PM
DonDiego$25.00$25.001/26/2010 9:24:39 PM
spiff666$25.00$25.001/26/2010 8:30:33 PM
MikeyZ2008$142.21$40.971/26/2010 10:13:30 PM
shawnw2$27.88$27.881/27/2010 7:48:39 AM
supreme-hope$25.00$25.001/27/2010 9:27:24 AM
reflective-rupee$100.00$100.001/27/2010 10:12:45 AM
dllaker$25.00$25.001/27/2010 8:10:54 AM
reflective-rupee$100.00$100.001/27/2010 10:13:45 AM
Ronnieboy888$25.00$25.001/27/2010 8:48:33 AM
twjh$25.00$25.001/27/2010 10:24:47 AM
a-silver-booster$50.00$50.001/27/2010 11:42:23 AM
reflective-rupee$100.00$100.001/27/2010 10:13:04 AM
reflective-rupee$50.00$50.001/27/2010 10:14:03 AM
bold-dynamic-silver$25.00$25.001/27/2010 10:24:49 AM
reliable-vigilance$32.16$32.161/27/2010 10:38:12 AM
74 bids
 
Borrower Payment Dependent Notes Series 441948
This series of Notes was issued and sold upon the funding of the borrower loan #40650, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-11-2010 
  Auction end date:  Jan-18-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $188.58
Final lender yield: 19.05% Final borrower rate/APR: 20.05% / 22.29% Final monthly payment: $185.95
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.11%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Aug-1982 Debt/Income ratio: 22%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:10y 7m
Amount delinquent: $0 Revolving credit balance: $18,574 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: equitable-worth3 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off a credit card
Purpose of loan:
This loan will be used to pay off a high interest credit card. I have other cards but have reduced interest on the one with the highest balance, and can pay off the others that are fairly low balances in?a few months,?but have one with about a $5000 balance that will take longer and?has not agreed to reduce the interest. I?don't want to pay the high interest on the remaining card for an extended period, so?I am looking to get a loan to pay it off with a reasonable interest rate.

My financial situation:
I am a good candidate for this loan because?I have a?good income and pay my bills.?I?could pay down my debt easily if it wasn't for the outrageous interest rates. My income was about half what it is now when I got in debt by just paying everyday bills with credit, while attending MBA school. But the interest rates went up when I started approaching the limits and missed a payment while traveling, so now it is hard to pay it down despite my greatly improved income.

Monthly net income: $ 5833

Monthly expenses: $
??Housing: $ 795
??Insurance: $ less than 100????
??Car expenses: $?gas and maintenance, $150
? Utilities: $ 90
??Phone, cable, internet: $ no cable, phone and internet around $100
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
gulch$25.00$25.001/11/2010 4:01:27 PM
NR$25.00$25.001/11/2010 4:01:47 PM
skiingawfs$25.00$25.001/11/2010 4:02:33 PM
useful-p2ploan$50.00$50.001/11/2010 4:01:44 PM
orange-value-exec$25.00$25.001/11/2010 4:01:46 PM
Beeeej$25.00$25.001/11/2010 4:01:52 PM
egw$25.00$25.001/11/2010 4:04:20 PM
acebandit$25.00$25.001/11/2010 4:05:45 PM
rdcmaint$25.00$25.001/11/2010 4:06:56 PM
NBO2006$25.00$25.001/11/2010 4:06:36 PM
idriveajeep$25.00$25.001/11/2010 4:06:47 PM
archeanchaos$25.00$25.001/11/2010 4:07:44 PM
truth-companion$25.00$25.001/11/2010 4:06:21 PM
shadargroup$25.00$25.001/11/2010 4:06:34 PM
stoopidnoodle$25.00$25.001/11/2010 4:06:39 PM
famous-community8$25.00$25.001/11/2010 4:07:31 PM
slobrewtx$25.00$25.001/11/2010 4:07:00 PM
harmonious-yield$25.00$3.621/11/2010 4:08:41 PM
romario$50.00$50.001/11/2010 4:13:31 PM
wwwUniversal$25.00$25.001/11/2010 4:58:33 PM
orange-finance-banker$50.00$50.001/12/2010 7:48:16 AM
interstellar$42.99$42.991/12/2010 11:20:59 AM
felicity-daydream$47.92$47.921/12/2010 1:08:22 PM
wise-balanced-moola$25.00$25.001/13/2010 5:48:06 PM
grammaspurse$25.00$25.001/14/2010 8:26:51 PM
fund-fox4$25.00$25.001/15/2010 9:44:56 AM
coldfuzion$50.00$50.001/15/2010 6:30:07 PM
CycleRyder$25.00$25.001/15/2010 8:03:39 PM
spiff666$25.00$25.001/15/2010 8:34:50 PM
Easystreet$25.00$25.001/15/2010 5:45:53 PM
unger$50.00$50.001/16/2010 5:33:27 AM
checzwick$25.00$25.001/16/2010 9:30:22 AM
mlj0671$25.00$25.001/16/2010 12:51:11 PM
Sven79$150.00$150.001/16/2010 4:30:47 PM
ghinga$25.00$25.001/16/2010 11:53:44 AM
p2p-gala$25.00$25.001/16/2010 3:13:55 PM
SkinnyFish$25.00$25.001/17/2010 5:51:49 AM
Jorgef741$100.00$100.001/17/2010 8:57:59 AM
yield-hero4$100.00$100.001/16/2010 7:41:11 PM
oceanside$25.00$25.001/17/2010 7:55:29 AM
SmartBanking$25.00$25.001/17/2010 1:45:22 PM
FinanciallySavvyMom$25.00$25.001/17/2010 8:11:00 AM
troubleman50$75.00$75.001/17/2010 6:10:53 PM
nashibaksi$25.00$25.001/17/2010 6:22:00 PM
bsmtloan$50.00$50.001/18/2010 6:07:54 AM
kenL$300.00$300.001/18/2010 10:29:48 AM
dudebrah$26.00$26.001/18/2010 11:24:09 AM
cedar_rose$25.00$25.001/18/2010 8:46:45 AM
1SteelerFan$25.00$25.001/18/2010 11:57:57 AM
riverflow$30.00$30.001/18/2010 11:19:34 AM
artist390$150.00$150.001/18/2010 1:13:27 PM
VBPlayer$30.00$30.001/18/2010 1:46:44 PM
papaloha$50.00$50.001/18/2010 2:50:03 PM
squarebob$25.00$25.001/18/2010 3:23:27 PM
AF-Chief$25.00$25.001/18/2010 3:27:22 PM
SNH$50.00$50.001/18/2010 1:32:45 PM
exciting-fairness$200.00$200.001/18/2010 3:47:42 PM
The-CAPS-fan$50.00$50.001/18/2010 3:29:03 PM
asset-control2$25.00$25.001/18/2010 3:39:24 PM
japher$25.00$25.001/11/2010 4:01:36 PM
Vegasjim$25.00$25.001/11/2010 4:01:49 PM
stollcm$25.00$25.001/11/2010 4:02:40 PM
cerebral-return3$25.00$25.001/11/2010 4:01:33 PM
dhw1$50.00$50.001/11/2010 4:01:50 PM
terryaj$25.00$25.001/11/2010 4:01:54 PM
wanna-help$30.00$30.001/11/2010 4:05:26 PM
ahalyaa$30.00$30.001/11/2010 4:06:15 PM
ccamp99$25.00$25.001/11/2010 4:06:28 PM
Nic_R$25.00$25.001/11/2010 4:05:19 PM
dumbass$25.00$25.001/11/2010 4:05:36 PM
epch$25.00$25.001/11/2010 4:07:11 PM
hope-eagle6$25.00$25.001/11/2010 4:08:21 PM
gravity-powered-air-cooled$25.00$25.001/11/2010 4:07:15 PM
vshnay$25.00$25.001/11/2010 4:07:48 PM
ted9119$25.00$25.001/11/2010 4:08:03 PM
tlp43$25.00$25.001/11/2010 4:08:09 PM
SolarMoonshine$25.00$25.001/11/2010 5:54:40 PM
Bank_Of_XL$50.00$50.001/11/2010 6:52:19 PM
exchange-cowbell5$150.00$150.001/11/2010 6:53:01 PM
melodious-fairness$25.00$25.001/11/2010 8:04:56 PM
Bob450$25.00$25.001/11/2010 8:54:06 PM
Sol_Invictus$25.00$25.001/12/2010 5:39:33 AM
Syzygy$25.00$25.001/12/2010 5:29:55 PM
JustMee$25.00$25.001/12/2010 5:54:40 PM
CC911$25.00$25.001/13/2010 6:29:54 AM
nickel-pipeline$30.00$30.001/13/2010 10:40:47 AM
spy0$25.00$25.001/13/2010 8:07:39 PM
zento$25.00$25.001/14/2010 2:58:20 PM
SFBank$200.00$200.001/15/2010 6:07:50 PM
Trondheim_Norway$124.92$124.921/15/2010 9:36:22 PM
hellasow$25.00$25.001/16/2010 5:24:06 AM
skillful-asset5$100.00$100.001/16/2010 6:40:27 AM
Capital_Infusion$25.00$25.001/16/2010 6:52:41 AM
thenewkaisersoze$25.00$25.001/16/2010 9:17:01 AM
Drazion$25.00$25.001/16/2010 11:01:11 AM
1SteelerFan$25.00$25.001/16/2010 2:46:31 PM
the-silver-blaster$40.00$40.001/16/2010 8:52:39 PM
Ambassador$32.00$32.001/16/2010 8:59:16 PM
billybragg$25.00$25.001/16/2010 9:21:05 PM
E-B$50.00$50.001/17/2010 6:23:41 AM
afterhours$25.00$25.001/16/2010 7:59:48 PM
Gambino$48.00$48.001/17/2010 11:57:47 AM
nalaari$50.00$50.001/17/2010 4:05:14 AM
forthright-trade$25.00$25.001/17/2010 12:46:28 PM
sunnysally$25.00$25.001/17/2010 10:05:29 AM
Techne_Funds_LLC$25.00$25.001/17/2010 3:32:41 PM
kendigme$33.42$33.421/18/2010 3:37:01 AM
credit-missile$153.47$153.471/17/2010 9:54:11 PM
omegamon1$25.00$25.001/18/2010 6:40:16 AM
credit-sasquatch3$25.00$25.001/18/2010 9:57:16 AM
robertmm25$30.00$30.001/18/2010 9:55:36 AM
Your_Bank$25.00$25.001/18/2010 12:05:20 PM
jybank$25.00$25.001/18/2010 12:13:10 PM
investment-cluster$25.00$25.001/18/2010 3:09:25 PM
PotBellyPete$36.00$36.001/18/2010 1:09:45 PM
ALFLoan$25.00$25.001/18/2010 1:31:24 PM
marinbb$75.00$75.001/18/2010 3:31:28 PM
asset-control2$50.00$50.001/18/2010 3:39:01 PM
p2ploan-sensation211$31.66$31.661/18/2010 3:57:06 PM
119 bids
 
Borrower Payment Dependent Notes Series 442106
This series of Notes was issued and sold upon the funding of the borrower loan #40618, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Jan-12-2010 
  Auction end date:  Jan-19-2010 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $169.81
Final lender yield: 18.19% Final borrower rate/APR: 19.19% / 21.42% Final monthly payment: $147.01
 
Auction yield range: 8.06% - 29.00% Estimated loss impact: 7.42%  
Lender servicing fee: 1.00% Estimated return: 10.77%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Sep-2004 Debt/Income ratio: 24%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $191 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: BrownieB 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 94% ) 760-779 (Latest)
Principal borrowed: $10,000.00< mo. late: 1 ( 6% )  
760-779 (Dec-2009)
740-759 (Jul-2008)
 
Principal balance: $5,833.63 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Buy Out
Purpose of loan:
This loan will be used to buy out the remaining?5% of a profitable online business.?

My financial situation:
I am a good candidate for this loan because the 5% of the business I plan to buy out will pay off the loan in full.??The business is profitable with no major debt, which will allow me to fund this loan and I also have a business partner who?has agreed to underwrite any debt that I may not be able to pay.
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 the website? - JGuide
A: I can not tell you the website because of the non disclosure agreement I have with the owner. I can however tell you that the site sells jewelry. (Jan-18-2010)
Q: what is the website of your online business? - Lender25
A: I am unable to tell you the name of the website because of a non disclosure agreement I have with the owner. I can tell you that the site sells jewelry. (Jan-18-2010)
Q: What kind of business is it? What is the net profit margin? - Calex_Capitan
A: The business is an online retailer that sells jewelry. The net profit margin is about 5000.00 every month. (Jan-18-2010)
Q: What is the online business? Who are the typical customers? Thanks. - mbf2234
A: Its an online jewelry business. Our typical customer is a female between the ages of 25 - 45. We have recently seen a surge in male customers also in the same age range. (Jan-18-2010)
Q: What kind of internet business are you buying? What are the cash flows that you will receive from it? - serene-capital
A: Its a online jewelry business and cashflow will be 5000.00 a month. (Jan-18-2010)
Q: what is your source of income? What type of on-line business are you purchasing? thanks - skillful-asset5
A: My income comes from the 95% of the jewelry business I already own. Its an online jewelry business. (Jan-18-2010)
Q: What is the nature of the "online business" that you will be buying into, what is the approximate average income of the business, how old is the business, and is the 5% (that you are potentially buying) your total share of the business? - one-midas
A: The business is an online retailer that sells jewelry. The average income is 100,000.00 a year. The business is 2 years old. The 5% would be the remainder of the business that I do not own yet. (Jan-18-2010)
Q: Doesn't your owner want the free advertising? If folks from here look at the site they might buy something! - JGuide
A: I agree but the owner made it very clear that any violation of the agreement will result in the termination of the deal and a possible lawsuit. (Jan-18-2010)
8 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cognizant-rate732$50.00$50.001/12/2010 4:37:35 PM
zento$25.00$25.001/12/2010 5:02:57 PM
vine99$85.00$85.001/12/2010 6:28:01 PM
Pickmar$25.00$25.001/13/2010 10:43:26 AM
SpotLending$50.00$50.001/13/2010 8:35:21 PM
spy0$25.00$25.001/13/2010 8:10:16 PM
Syzygy$25.00$25.001/14/2010 10:02:11 AM
marwadi-62$300.00$300.001/16/2010 9:45:46 AM
newest-phenomenal-money$25.00$25.001/16/2010 3:13:03 PM
afterhours$25.00$25.001/16/2010 7:51:54 PM
d_grbg$25.00$25.001/16/2010 9:21:36 PM
RKLFinancial$58.38$58.381/17/2010 11:37:14 PM
integrity-doctor$50.00$50.001/18/2010 5:15:29 PM
dime-beeper$25.00$25.001/18/2010 7:23:52 PM
noodles932$50.00$50.001/18/2010 7:48:11 PM
Kash2010lu$25.00$25.001/18/2010 8:39:55 PM
diligent-platinum$25.00$25.001/18/2010 10:49:41 PM
jybank$25.00$25.001/18/2010 9:28:49 PM
credit-missile$50.00$50.001/19/2010 7:15:47 AM
zipemdown$25.00$25.001/19/2010 7:59:40 AM
coolgenner$50.00$50.001/19/2010 8:36:39 AM
five-star-note$75.00$75.001/19/2010 9:45:21 AM
PCity-LOA15$25.00$25.001/19/2010 10:53:50 AM
PotBellyPete$25.00$25.001/19/2010 11:57:03 AM
YeoLenderSource$25.00$25.001/19/2010 12:25:40 PM
ultimate-peace$300.00$300.001/19/2010 12:54:20 PM
steady-dime$100.00$100.001/19/2010 2:28:52 PM
Sven79$100.00$100.001/19/2010 1:59:29 PM
Astyanax$25.00$25.001/19/2010 2:14:10 PM
TJRCapital$25.00$12.661/19/2010 4:16:29 PM
exchange-cowbell5$200.00$200.001/19/2010 4:17:20 PM
loyalist1$25.00$25.001/12/2010 4:33:17 PM
fortytwo$200.00$200.001/12/2010 4:57:46 PM
bondhedger$25.00$25.001/12/2010 5:05:49 PM
cashhelp$25.00$25.001/12/2010 5:28:43 PM
ptjg$50.00$50.001/13/2010 3:57:44 PM
WilliamLeeSims$50.00$50.001/14/2010 3:28:24 PM
brodav$50.00$50.001/14/2010 5:15:02 PM
crdcteng$25.00$25.001/15/2010 9:53:32 AM
element40$50.00$50.001/15/2010 4:44:47 PM
Asset-Builder$76.70$76.701/15/2010 7:58:07 PM
herman7$25.00$25.001/16/2010 6:22:51 AM
LMPjr007$28.22$28.221/16/2010 4:19:33 AM
wise-blazing-currency$25.00$25.001/16/2010 7:26:09 AM
shalofin$78.37$78.371/16/2010 11:56:41 AM
market-atlantis$25.00$25.001/16/2010 6:52:26 PM
Gambino$60.00$60.001/17/2010 11:56:08 AM
Ray3486$25.00$25.001/17/2010 12:17:20 PM
twjh$25.00$25.001/18/2010 1:45:11 PM
Techne_Funds_LLC$25.00$25.001/18/2010 3:27:30 PM
jcw3rd$25.00$25.001/18/2010 5:02:29 PM
Gaelicman$150.00$150.001/18/2010 8:21:01 PM
lender12345$25.00$25.001/18/2010 8:14:11 PM
squarebob$25.00$25.001/18/2010 8:23:37 PM
sinner_c5$25.00$25.001/18/2010 11:35:48 PM
Leshan$100.00$100.001/19/2010 7:27:11 AM
bamboozled_again$250.00$250.001/19/2010 7:38:00 AM
BR-549$25.00$25.001/19/2010 8:33:53 AM
brilliant-balance$25.00$25.001/19/2010 7:29:26 AM
doomsday18$25.00$25.001/19/2010 8:22:35 AM
meabandit$63.59$63.591/19/2010 10:38:13 AM
WeshaTheLeopard$25.00$25.001/19/2010 10:56:23 AM
mustang9935$25.00$25.001/19/2010 11:08:14 AM
LarWit1512$25.00$25.001/19/2010 12:21:36 PM
Miklot$187.08$187.081/19/2010 1:30:33 PM
mlj0671$25.00$25.001/19/2010 1:39:41 PM
Bob450$25.00$25.001/19/2010 2:47:48 PM
wild-orange$25.00$25.001/19/2010 1:23:37 PM
Engineer44$25.00$25.001/19/2010 4:17:34 PM
credit-sasquatch3$25.00$25.001/19/2010 4:04:26 PM
papaloha$50.00$50.001/19/2010 4:05:43 PM
71 bids
 
Borrower Payment Dependent Notes Series 442222
This series of Notes was issued and sold upon the funding of the borrower loan #40617, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-12-2010 
  Auction end date:  Jan-19-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $164.16
Final lender yield: 25.40% Final borrower rate/APR: 26.40% / 28.73% Final monthly payment: $162.02
 
Auction yield range: 11.06% - 26.40% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.77%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Apr-2004 Debt/Income ratio: 13%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $3,498 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: top-peace-pecan Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying my credit cards
Purpose of loan:
This loan will be used to help pay my 2 credit cards off. I finished college in August, am managing a restaurant, and would rather pay debt this way than with higher interest rates. I incurred some debt paying for school, but have not dug a huge hole and am ready to be debt-free.

My financial situation:
I am a good candidate for this loan because I have a good job which I love, a steady income, and I am trustworthy. I do not miss payments. In 2003, I have one 30 day late payment notice on my credit report, but otherwise I have not missed a single payment for any bill ever.

Monthly net income: $ 1700.00 ????

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 50
??Car expenses: $ 100 only maintenance and gas
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
javajahn$25.00$25.001/12/2010 4:21:43 PM
kia777$25.00$25.001/12/2010 4:28:32 PM
five-star-note$35.00$35.001/12/2010 4:30:31 PM
purdue98$25.00$25.001/12/2010 4:34:32 PM
xzec777$25.00$25.001/12/2010 4:34:39 PM
junctionking$25.00$25.001/12/2010 4:34:43 PM
AF-Chief$28.00$28.001/12/2010 4:34:23 PM
bill-bearer$25.00$25.001/12/2010 4:31:21 PM
intrepid-transaction5$25.00$25.001/12/2010 4:34:48 PM
oldmora$25.00$25.001/12/2010 4:31:26 PM
steves73$25.00$11.041/12/2010 4:35:10 PM
Thunder08$25.00$25.001/12/2010 5:07:50 PM
SolarMoonshine$100.00$100.001/12/2010 5:50:00 PM
melodious-fairness$25.00$25.001/12/2010 7:22:49 PM
exchange-cowbell5$150.00$150.001/12/2010 7:31:50 PM
szetheli$152.00$152.001/12/2010 7:00:11 PM
Bob450$25.00$25.001/12/2010 8:56:06 PM
FinanceEngine$25.00$25.001/12/2010 10:34:50 PM
GeoLender$25.00$25.001/12/2010 9:11:15 PM
dollardave$100.00$100.001/13/2010 12:30:17 AM
zento$25.00$25.001/14/2010 3:05:48 PM
ghinga$25.00$25.001/14/2010 2:37:47 PM
SV-AZ$25.00$25.001/14/2010 9:54:17 PM
CC911$25.00$25.001/15/2010 11:16:27 AM
UCLA4life$25.00$25.001/15/2010 11:17:13 AM
SFBank$200.00$200.001/15/2010 6:11:00 PM
Loaner_without_a_cause$25.00$25.001/15/2010 9:43:57 PM
THEREALESTATEGUY$29.16$29.161/16/2010 9:07:31 AM
marinbb$25.00$25.001/16/2010 2:04:12 PM
bold-dynamic-silver$25.00$25.001/17/2010 5:01:24 PM
order-bee1$25.00$25.001/18/2010 12:23:13 AM
charming-point$300.00$300.001/17/2010 8:24:14 PM
spiff666$25.00$25.001/18/2010 7:03:32 AM
marinbb$50.00$50.001/18/2010 3:25:48 PM
Techne_Funds_LLC$25.00$25.001/18/2010 3:28:32 PM
piter-to-la-investment$25.00$25.001/18/2010 5:53:16 PM
Tlrdlrrnch$25.00$25.001/18/2010 6:26:44 PM
squarebob$25.00$25.001/18/2010 8:51:30 PM
natural-greenback6$25.00$25.001/18/2010 9:36:30 PM
papaloha$50.00$50.001/19/2010 3:32:19 AM
Catz_aplenty$25.00$25.001/19/2010 4:45:45 AM
PotBellyPete$25.00$25.001/19/2010 7:46:19 AM
OGS_Capital$25.00$25.001/19/2010 8:24:53 AM
bootanksmom$25.00$25.001/19/2010 9:08:09 AM
Rule62$25.00$25.001/19/2010 10:47:42 AM
DasMula$100.00$100.001/19/2010 11:03:41 AM
Delta-Kilo-7K$25.00$25.001/19/2010 11:20:08 AM
PrinceValium$25.00$25.001/19/2010 12:54:10 PM
glowman76$40.00$40.001/19/2010 1:17:17 PM
Lefty_the_Lender$25.00$25.001/19/2010 2:26:54 PM
Astyanax$25.00$25.001/19/2010 2:22:41 PM
ultimate-peace$150.00$150.001/19/2010 1:04:28 PM
bartenderpro$25.00$25.001/19/2010 2:50:56 PM
Loaner_without_a_cause$25.00$25.001/19/2010 4:16:33 PM
EnigmaNYC-29$25.00$25.001/12/2010 4:35:00 PM
melodious-fairness$25.00$25.001/12/2010 4:35:06 PM
jhouman$25.00$25.001/12/2010 4:34:53 PM
SweetHoneyPot$25.00$25.001/12/2010 4:41:47 PM
inspiring-reward$50.00$50.001/12/2010 5:04:46 PM
openness-prospector$50.00$50.001/12/2010 5:08:11 PM
building_community$25.00$25.001/12/2010 5:08:15 PM
SmartConsolidation$25.00$25.001/13/2010 11:04:39 AM
golffish2$100.00$100.001/14/2010 10:06:41 AM
hellasow$25.00$25.001/14/2010 2:04:39 PM
mercuriant$25.00$25.001/14/2010 1:42:07 PM
buffalobills$25.00$25.001/14/2010 3:31:56 PM
skillful-asset5$25.00$25.001/14/2010 5:10:11 PM
dough-shooter$100.00$100.001/14/2010 7:16:16 PM
elegant-income3$25.00$25.001/15/2010 6:50:35 AM
nickel-pipeline$36.00$36.001/15/2010 8:54:23 AM
GyJAV_BNCCo$25.00$25.001/15/2010 1:15:37 PM
credit-coach118$25.00$25.001/15/2010 3:31:31 PM
orange-finance-banker$25.00$25.001/15/2010 4:38:11 PM
bright-exchange$25.00$25.001/15/2010 5:39:38 PM
professional-finance$25.00$25.001/16/2010 5:18:39 AM
TackingWindward$25.00$25.001/16/2010 6:51:19 AM
new-truth-chuckler$28.80$28.801/16/2010 10:30:17 AM
marwadi-62$25.00$25.001/16/2010 9:46:57 AM
Rogelio48$25.00$25.001/16/2010 10:30:52 AM
afterhours$25.00$25.001/16/2010 8:23:40 PM
cippy$50.00$50.001/17/2010 12:25:58 PM
moola-aficionado6$25.00$25.001/17/2010 2:17:59 PM
goldenhamster$50.00$50.001/17/2010 3:11:53 PM
Ronnieboy888$25.00$25.001/17/2010 8:52:24 PM
Loan_shark718$50.00$50.001/18/2010 8:21:48 AM
omegamon1$40.00$40.001/18/2010 6:41:02 AM
orange-finance-banker$50.00$50.001/18/2010 12:14:59 PM
vivacious-p2p3$25.00$25.001/18/2010 4:06:31 PM
integrity-doctor$50.00$50.001/18/2010 5:18:43 PM
jybank$25.00$25.001/18/2010 9:31:03 PM
llennoc$25.00$25.001/19/2010 9:03:44 AM
kenL$100.00$100.001/19/2010 10:48:02 AM
LibbyZ$50.00$50.001/19/2010 12:27:00 PM
Astyanax$25.00$25.001/19/2010 2:22:11 PM
Accountant83$25.00$25.001/19/2010 2:38:12 PM
quest0$25.00$25.001/19/2010 3:33:44 PM
Engineer44$25.00$25.001/19/2010 4:19:20 PM
97 bids
 
Borrower Payment Dependent Notes Series 442418
This series of Notes was issued and sold upon the funding of the borrower loan #40580, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $75.43
Final lender yield: 16.79% Final borrower rate/APR: 17.79% / 20.00% Final monthly payment: $72.09
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.88%  
Lender servicing fee: 1.00% Estimated return: 9.91%  
<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-1989 Debt/Income ratio: 16%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 21 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:14y 5m
Amount delinquent: $0 Revolving credit balance: $37,748 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: peaceful-responsibility1 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off My credit card
Purpose of loan:
This loan will be used to payoff one of my credit card.

My financial situation:
I am a good candidate for this loan because I?pay all my debt obligations.?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bank_Of_XL$100.00$100.001/15/2010 6:08:16 AM
Sol_Invictus$25.00$25.001/15/2010 12:37:25 PM
Tahoeman$25.00$25.001/20/2010 1:10:10 PM
piano55$28.95$28.951/20/2010 1:59:40 PM
gilbrear$25.00$25.001/20/2010 3:59:30 PM
boredlv$25.00$25.001/20/2010 2:39:13 PM
plbquic$25.00$25.001/20/2010 11:53:38 AM
MrPie$25.00$25.001/20/2010 7:17:21 PM
nashibaksi$25.00$25.001/20/2010 7:27:13 PM
TicTac$25.00$25.001/20/2010 8:18:38 PM
Ambassador$50.00$50.001/20/2010 7:37:36 PM
medkoder$30.00$30.001/21/2010 3:31:18 AM
yerkster1$32.34$32.341/21/2010 5:46:22 AM
ColoradoLender82$25.00$25.001/21/2010 7:30:05 AM
UBOtto186$50.00$50.001/21/2010 8:12:58 AM
asset-electron1$25.00$25.001/21/2010 10:40:14 AM
jybank$25.00$25.001/21/2010 10:41:28 AM
nalaari$78.79$78.791/21/2010 10:22:47 AM
flibinite$50.00$50.001/21/2010 11:46:26 AM
nanaof7$25.00$25.001/21/2010 12:04:48 PM
the-profit-oracle$25.00$25.001/21/2010 11:47:54 AM
wizard750$25.00$25.001/21/2010 12:38:18 PM
icon7$30.00$30.001/21/2010 12:51:19 PM
Leshan$25.00$25.001/21/2010 12:53:05 PM
wild-orange$25.00$25.001/21/2010 12:42:20 PM
impartial-dinero$25.00$25.001/21/2010 1:05:43 PM
Lear31$27.00$27.001/21/2010 3:31:42 PM
JBG$25.00$25.001/21/2010 2:46:09 PM
wise-balanced-moola$25.00$13.151/21/2010 4:00:00 PM
toxicbutterfly$25.00$25.001/14/2010 4:45:03 PM
alpinaut$25.00$25.001/15/2010 5:37:49 AM
cognizant-rate732$100.00$100.001/17/2010 10:18:01 AM
charitycoon$50.00$50.001/17/2010 9:48:28 AM
FinanceEngine$25.00$25.001/18/2010 4:54:30 PM
dustman$25.00$25.001/18/2010 7:27:19 PM
glenium$25.00$25.001/20/2010 3:13:21 AM
klemer$25.00$25.001/20/2010 9:23:28 AM
wealth-safehouse9$25.00$25.001/20/2010 1:00:03 PM
dudebrah$26.00$26.001/20/2010 2:12:00 PM
dpries123$25.00$25.001/20/2010 1:21:53 PM
Trondheim_Norway$150.00$150.001/20/2010 5:29:51 PM
nickel-pipeline$25.00$25.001/20/2010 7:14:20 PM
bankojerry$25.00$25.001/20/2010 7:06:57 PM
jcw3rd$25.00$25.001/20/2010 7:15:42 PM
PotBellyPete$50.00$50.001/21/2010 9:18:15 AM
credit-coach118$30.00$30.001/21/2010 9:49:18 AM
meabandit$69.20$69.201/21/2010 11:30:26 AM
nickel-ranch$25.00$25.001/21/2010 11:12:01 AM
sorace$50.00$50.001/21/2010 11:16:21 AM
porwestco$25.00$25.001/21/2010 3:08:51 PM
Loan_shark718$50.00$50.001/21/2010 3:28:24 PM
steady-dime$50.00$50.001/21/2010 3:26:03 PM
fireferd$34.57$34.571/21/2010 2:57:12 PM
CaliforniaSun$25.00$25.001/21/2010 3:58:30 PM
forthright-trade$25.00$25.001/21/2010 3:31:49 PM
admirable-credit$25.00$25.001/21/2010 4:02:30 PM
56 bids
 
Borrower Payment Dependent Notes Series 442436
This series of Notes was issued and sold upon the funding of the borrower loan #40592, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 31.36% Starting monthly payment: $41.04
Final lender yield: 21.95% Final borrower rate/APR: 22.95% / 26.80% Final monthly payment: $38.68
 
Auction yield range: 11.06% - 26.40% Estimated loss impact: 10.53%  
Lender servicing fee: 1.00% Estimated return: 11.42%  
<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-1995 Debt/Income ratio: 20%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $3,188 Occupation: Other
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 92%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: versatile-order Borrower's state: Wyoming 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?paying off credit cards?????????

My financial situation:
I am a good candidate for this loan because?over the past year I have kept everything current, albeit somewhat?near limits, to?raise my credit score more than 75 pts. Now I would like to pay off some high interest credit cards to further my goal of a 700 plus score.?

Monthly net income: $5000.00

Monthly expenses: $
??Housing: $ 1374
??Insurance: $90
??Car expenses: $ 918
??Utilities: $ 200
??Phone, cable, internet: $200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $350
??Other expenses: $200
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: Sounds very reasonable! Can you give us any insight as to your line of work? "Other" is a pretty broad category! ;-) - Delta-Kilo-7K
A: Hello, I work in the consruction industry as a mechanic. I work on anything, from pickup trucks, to dozers, to excavators, etc. I work on light duty equipment to large earth moving machines. Thanks for the inquiry. (Jan-19-2010)
Q: Well now Ol' Buddy, I just noticed the Y-O-min location. I know for a fact you fellers don't bluff, and you know how to MAKE it happen. Another $50 from Montana and best of luck to you Sir! - Delta-Kilo-7K
A: Thank You! for Passing It On! (Jan-21-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
IPG1$25.00$25.001/18/2010 8:46:29 PM
mercuriant$25.00$25.001/20/2010 4:48:27 PM
TheLightInMe$25.00$25.001/21/2010 8:40:01 AM
marwadi-62$50.00$50.001/21/2010 9:06:08 AM
carrinel$44.00$44.001/21/2010 10:38:54 AM
UCSBGAUCHOS$25.00$25.001/21/2010 11:24:06 AM
Leshan$25.00$25.001/21/2010 12:53:44 PM
Capit0l$25.00$25.001/21/2010 2:11:49 PM
credit-sasquatch3$50.00$50.001/21/2010 2:31:44 PM
Bob450$25.00$25.001/21/2010 2:42:27 PM
fireferd$100.00$100.001/21/2010 2:53:19 PM
quest0$25.00$25.001/21/2010 3:24:00 PM
Loan_shark718$35.00$35.001/21/2010 3:54:53 PM
CaliforniaSun$25.00$25.001/21/2010 3:59:58 PM
unger$50.00$50.001/21/2010 4:02:18 PM
SolarMoonshine$25.00$25.001/19/2010 4:35:48 PM
Delta-Kilo-7K$50.00$50.001/20/2010 2:53:03 AM
GS-ROCK$25.00$25.001/20/2010 4:28:40 PM
Delta-Kilo-7K$50.00$50.001/20/2010 6:55:29 PM
Taz-Man-IIWIS$25.00$25.001/20/2010 9:09:02 PM
asset-electron1$25.00$25.001/21/2010 10:31:08 AM
wild-orange$25.00$25.001/21/2010 12:42:59 PM
LeverageLender$25.00$25.001/21/2010 1:29:48 PM
SkinnyFish$25.00$25.001/21/2010 1:28:38 PM
nickel-pipeline$25.00$25.001/21/2010 2:30:47 PM
realtormoises$25.00$25.001/21/2010 2:37:42 PM
jybank$25.00$25.001/21/2010 3:00:24 PM
dRatedOnly$25.00$25.001/21/2010 4:00:16 PM
kinetic-social$25.00$25.001/21/2010 3:40:14 PM
Bill88$30.00$6.001/21/2010 3:43:20 PM
The-CAPS-fan$40.00$40.001/21/2010 3:50:34 PM
31 bids
 
Borrower Payment Dependent Notes Series 442466
This series of Notes was issued and sold upon the funding of the borrower loan #40629, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $148.58
Final lender yield: 28.20% Final borrower rate/APR: 29.20% / 31.57% Final monthly payment: $147.05
 
Auction yield range: 11.06% - 29.00% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.49%  
<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-1997 Debt/Income ratio: 19%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 20Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $21,451 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: fair-dollar5 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? Debt consolidation -- I will pay off one credit card and close the account.

My financial situation:
I am a good candidate for this loan because?I am going to use it to pay off?all but one credit card?and work toward establishing a better credit rating.? I have lived in my home for over 12 years.? My income is?less than?half of the total income for our household.? I pay?the household bills and my husband pays the mortgage, groceries and auto insurance.??Neither of us have a car loan.? I will accept the loan payable over 24 months.

MONTHLY NET INCOME:?
$3,500 (gross = $4,400)

MONTHLY EXPENSES:
Housing - $0
Insurance -?$0
Car expenses - $0
Utilities - $200 to $300
Phone, cable & internet - $200
Food/entertainment - $200
Credit cards & loans - $800
Clothing/household expenses - $200
Other expenses - $200
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, in some detail, the nature and stability of your husband's profession, employment and employer. Thanks much - reflective-rupee
A: He is a teacher and had been teaching for over 17 years. (Jan-21-2010)
Q: Has your husband ever declared bankruptcy or been late paying his bills? Thanks much - reflective-rupee
A: No. (Jan-21-2010)
Q: Please list the balances of each of your debts, including mortgages and including any debts that your husband has. Please indicate the current value of your house (feel free to use zillow.com). Thanks and best wishes. - reflective-rupee
A: My debts are approximateley $22,000.00. My husband ahs no debts other than the house. The mortgage owed is approx. 150,000.00 and the house is valued at $226,000. He has no other debts. (Jan-21-2010)
Q: How is your husband's credit rating? Does he have any credit available to him under his credit cards or credit lines? If so, how much of his credit lines are drawn (on a percentage basis) and how much (in $) of undrawn credit does he have? thanks - reflective-rupee
A: My husband has fantastic credit and is always on time paying his bills. He has no balances on his credit cards--he pays them off each month. (Jan-21-2010)
Q: Please describe the nature and stability of your employment and employer. Thanks much. - reflective-rupee
A: I have worked for Bartley Healthcare for almost 3 years. If I were to lose my job, I'm a nurse and would have no trouble obtaining employment. (Jan-21-2010)
Q: Please indicate your husband's net income per month, and the expenses that he pays per month. Thanks much - reflective-rupee
A: $5,000.00 per month net income. Mortgage=$1,500.00 Groceries=$400 Misc. bills=$1,000 (Jan-21-2010)
Q: Have you chose to work part-time as a lifestyle choice, or only because full-time employment is not available? Thanks much - reflective-rupee
A: I work 3-12 hour shifts: Friday, Saturday and Sunday 7p to 7a. I generally end up working 39 hours but I am only on the schdule for 36 and considered part time. I do not qualify for the benefits which I do not need because of my husband. We do this to be at home with my son. (Jan-21-2010)
Q: Given that your monthly net income exceeds your monthly expenses by $1600, why is you credit card usage so high, and why can't you just paydown $1,600 of credit card debt each month without resorting to a Prosper loan? Thanks much - reflective-rupee
A: Good question. I have fallen behind because I am in the middle of a court battle to get guardianship of my father. He lives in Florida and his caretaker has taken his money. My father has Alzhiemer's disease. We sold his house in November and she rerouted the proceeds along with his pension and SSI. I am spending money now that I would not normally spend on an attorney. We will hopefully be ending this in February, but for now things are tight. (Jan-21-2010)
Q: Since your husband has great credit and no debt other than the mortgage, why didn't he apply on Prosper (especially since your revolving credit is nearly 100% drawn)? Thanks much - reflective-rupee
A: Because this is my debt and I would like to pay it myself. (Jan-21-2010)
9 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SweetHoneyPot$25.00$25.001/14/2010 4:36:50 PM
Bob450$50.00$50.001/14/2010 8:56:58 PM
bdruss$25.00$25.001/15/2010 4:51:41 PM
JohnSmallberries$25.00$25.001/18/2010 4:32:59 PM
SFBank$200.00$200.001/18/2010 4:43:48 PM
squarebob$25.00$25.001/19/2010 5:09:42 PM
thomas16882004$25.00$25.001/20/2010 4:40:32 PM
sturdy-peace9$55.00$55.001/21/2010 11:12:24 AM
jtc26$100.00$100.001/21/2010 11:21:16 AM
cashhelp$25.00$25.001/21/2010 11:48:28 AM
mikelance7$25.00$25.001/21/2010 11:56:01 AM
IASKGOD$25.00$25.001/21/2010 12:54:49 PM
wild-orange$25.00$25.001/21/2010 12:54:37 PM
Leshan$25.00$25.001/21/2010 12:56:53 PM
lucrative-loan$50.00$50.001/21/2010 1:22:20 PM
just-trade0$36.00$36.001/21/2010 1:46:35 PM
Capit0l$25.00$25.001/21/2010 2:05:50 PM
reflective-rupee$150.00$150.001/21/2010 1:33:48 PM
payout-reaction740$25.00$25.001/21/2010 2:01:08 PM
vest_vortex$25.00$25.001/21/2010 2:43:49 PM
fireferd$100.00$100.001/21/2010 2:54:55 PM
rate-seahorse$27.90$27.901/21/2010 2:26:32 PM
vest_vortex$25.00$25.001/21/2010 2:44:12 PM
asset-control2$50.00$50.001/21/2010 3:51:19 PM
responsible-worth113$27.50$27.501/21/2010 4:02:12 PM
mespeedy36$25.00$25.001/21/2010 3:56:27 PM
asset-control2$50.00$50.001/21/2010 3:51:08 PM
CaliforniaSun$25.00$25.001/21/2010 4:01:55 PM
JustMee$25.00$25.001/14/2010 8:39:37 PM
SolarMoonshine$25.00$25.001/18/2010 6:48:35 PM
Whipster$25.00$25.001/19/2010 6:12:56 PM
mercuriant$25.00$25.001/21/2010 5:11:03 AM
leverage-monger$25.00$25.001/21/2010 7:31:46 AM
NekHoldings$25.00$25.001/21/2010 8:17:56 AM
DasMula$500.00$500.001/21/2010 9:46:44 AM
penny-surgeon$25.00$25.001/21/2010 9:47:20 AM
skillful-asset5$200.00$200.001/21/2010 11:35:05 AM
skillful-asset5$200.00$200.001/21/2010 11:34:32 AM
leverage-monger$54.57$54.571/21/2010 11:57:56 AM
RecoveryLender$25.00$25.001/21/2010 12:33:54 PM
PotBellyPete$50.00$50.001/21/2010 12:41:19 PM
ultimate-peace$150.00$150.001/21/2010 12:25:00 PM
gelt4u$25.00$25.001/21/2010 12:05:36 PM
brightest-velocity-paloverde$25.00$25.001/21/2010 12:06:05 PM
epic-payout$150.00$150.001/21/2010 1:12:16 PM
innovator2$50.00$50.001/21/2010 12:35:44 PM
LibbyZ$33.10$33.101/21/2010 1:44:54 PM
quest0$55.65$55.651/21/2010 3:24:56 PM
realtormoises$25.00$25.001/21/2010 2:38:14 PM
lend42013$25.00$25.001/21/2010 4:02:45 PM
reflective-rupee$150.00$150.001/21/2010 3:57:18 PM
skillful-asset5$100.00$100.001/21/2010 3:59:46 PM
reflective-rupee$150.00$10.281/21/2010 4:03:46 PM
manrandom$200.00$200.001/21/2010 4:01:35 PM
54 bids
 
Borrower Payment Dependent Notes Series 442474
This series of Notes was issued and sold upon the funding of the borrower loan #40626, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 24.85% Starting borrower rate/APR: 25.85% / 28.17% Starting monthly payment: $100.53
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 21.22% Final monthly payment: $91.64
 
Auction yield range: 11.06% - 24.85% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1991 Debt/Income ratio: 13%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $8,759 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: cordial-integrity1 Borrower's state: Florida Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
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
New job, new outlook
Purpose of loan:
This loan will be used for debt consolidation.? I have started looking at the interest rate of my 3 credit cards and have realized that one is definitely worth paying off totally due to its high interest rate, one is debatable, and one is worth keeping.? I have realized that my credit card debt being too high will impact me buying a home at a later date, so I need to start now consolidating my debt.

My financial situation:
I am a good candidate for this loan because I am well-educated (LSU graduate - finance and MBA) and am working on my career advancement and personal development goals this year. (through taking more classes).? Hopefully, too, within the next two weeks, I will start my new job,?increasing my salary 10-20%.? Everything has cleared and I am only holding on my start date.

Monthly net income: $ 4,700, with new job about $6,000

Monthly expenses: $
??Housing: $ 820
??Insurance: $ 75
??Car expenses: $ car is paid off
??Utilities: $ 125
??Phone, cable, internet: $ 80
??Food, entertainment: $ 150
??Clothing, household expenses $ minimal
??Credit cards and other loans: $ 700 (includes credit card that wants to pay off)
??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: Is your new job with the same company as your old or present job? Will you continue working at this present job untill the new job starts? - bst
A: My new job is with a different company, but the same industry and actually the same segment of the industry. Yes, I will continue working at my present job right unitl my new job starts. (Jan-20-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
spudbeach$57.19$57.191/18/2010 7:46:16 PM
1stBankAndHal$25.00$25.001/20/2010 9:55:01 AM
dudebrah$26.00$26.001/20/2010 2:13:39 PM
124SpiderMan$30.00$30.001/20/2010 1:55:03 PM
draggon77$25.00$25.001/20/2010 6:58:53 PM
Mr_Egret$50.00$50.001/20/2010 5:21:17 PM
ore-bada-bing$600.00$600.001/21/2010 12:10:05 AM
NewYorker48$50.00$50.001/21/2010 4:52:54 AM
fairgirl$25.00$25.001/21/2010 8:52:42 AM
PotBellyPete$50.00$50.001/21/2010 9:19:06 AM
ChoiceInvestments$25.00$25.001/21/2010 10:58:41 AM
sorace$50.00$50.001/21/2010 11:18:13 AM
credit-sasquatch3$30.00$30.001/21/2010 12:53:53 PM
exchange-cowbell5$200.00$200.001/21/2010 1:15:15 PM
Leshan$25.00$25.001/21/2010 12:57:50 PM
jybank$25.00$25.001/21/2010 2:19:32 PM
manrandom$200.00$200.001/21/2010 3:52:04 PM
CaliforniaSun$25.00$25.001/21/2010 4:02:44 PM
SolarMoonshine$25.00$25.001/21/2010 3:56:33 PM
supasonic$100.00$100.001/16/2010 11:14:20 AM
circustab$50.00$50.001/16/2010 9:10:42 PM
truth-futurist$93.00$93.001/16/2010 9:31:56 PM
economy-caper$25.00$25.001/18/2010 12:37:25 PM
srthsvghdthtr$25.00$25.001/19/2010 11:54:29 AM
ersheido$65.00$65.001/19/2010 12:30:55 PM
sknop64$25.00$25.001/19/2010 6:55:46 PM
FinanceEngine$25.00$25.001/20/2010 9:20:01 AM
ayiticheri$25.00$25.001/20/2010 11:37:11 AM
Astyanax$25.00$25.001/20/2010 6:00:41 PM
Astyanax$25.00$25.001/20/2010 6:01:55 PM
piano55$25.00$25.001/20/2010 7:32:49 PM
Ambassador$50.00$50.001/20/2010 7:38:47 PM
glenium$25.00$25.001/21/2010 4:16:09 AM
KaChingInvestments$25.00$25.001/21/2010 5:45:33 AM
grafton$500.00$46.811/21/2010 9:27:11 AM
sirpher$32.00$32.001/21/2010 10:59:16 AM
Asset-Builder$25.00$25.001/21/2010 12:04:32 PM
wild-orange$25.00$25.001/21/2010 12:44:56 PM
impartial-dinero$50.00$50.001/21/2010 3:32:18 PM
The-CAPS-fan$35.00$35.001/21/2010 3:49:52 PM
Loan_shark718$35.00$35.001/21/2010 3:59:39 PM
asset-control2$50.00$50.001/21/2010 3:52:11 PM
snm2001$25.00$25.001/21/2010 4:00:30 PM
Capit0l$25.00$25.001/21/2010 4:00:28 PM
44 bids
 
Borrower Payment Dependent Notes Series 442554
This series of Notes was issued and sold upon the funding of the borrower loan #40639, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0% Auction start date:  Jan-14-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 32.80% Final borrower rate/APR: 33.80% / 36.24% Final monthly payment: $111.40
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 20.93%  
Lender servicing fee: 1.00% Estimated return: 11.87%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jun-1992 Debt/Income ratio: 24%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $11,422 Occupation: Scientist
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 4    
Screen name: chemist Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 26 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
560-579 (Nov-2007)
640-659 (Mar-2007)
660-679 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
furniture loan
Purpose of loan:
I am trying to find financing to pay for furniture.? I?closed on a?$57500.00 home in Muscoda,?WI two weeks ago and?am awaiting?tax credit money in the amount of?$5750.00.?I would like to move in but will have to wait until I purchase furniture.? With the tax credit for the house, state and federal income tax refunds and an anticipated work bonus I will have adequate resourses? to pay back the loan but am anxious to move in the next week or so.My monthly expenses include the following:
????car payment $192.00 / month
????student loan?$76.00 / month
????Credit line through?AnchorBank $148.00 / month
House Payment /?$476.00
??? Credit cards $145.00 / month?
Total monthly expenses: $1037.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What kind of scientist are you and how is your job stability? Thank you. - DenimCapital
A: I work in a chemistry laboratory for a pharmaceutical company that manufactures the API for heparin and pancreatin products. Modest salary but very good job security. (Jan-19-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.001/14/2010 4:39:46 PM
unk1911$25.00$25.001/14/2010 4:39:29 PM
five-star-note$50.00$50.001/19/2010 11:27:04 AM
asset-control2$25.00$25.001/20/2010 7:12:39 AM
Spinnaker$100.00$100.001/20/2010 4:26:09 PM
Aberdeen$300.00$300.001/21/2010 8:34:38 AM
DasMula$250.00$250.001/21/2010 9:58:27 AM
coyone$47.30$47.301/21/2010 10:19:04 AM
mrxtravis$50.00$50.001/21/2010 10:47:10 AM
twjh$25.00$25.001/21/2010 11:10:07 AM
reflective-rupee$25.00$25.001/21/2010 1:09:01 PM
Leshan$100.00$100.001/21/2010 1:00:57 PM
IASKGOD$25.00$25.001/21/2010 12:55:38 PM
CoolPlexer$26.09$26.091/21/2010 1:28:55 PM
vest_vortex$25.00$25.001/21/2010 2:49:30 PM
reflective-rupee$25.00$25.001/21/2010 3:27:05 PM
a-silver-booster$75.00$75.001/21/2010 3:35:26 PM
RecoveryLender$26.46$26.461/21/2010 3:51:01 PM
thatin$30.00$30.001/21/2010 3:52:28 PM
best-generosity-financier$25.00$1.111/21/2010 4:05:26 PM
reflective-rupee$25.00$25.001/21/2010 3:53:24 PM
Bob450$25.00$25.001/14/2010 8:38:38 PM
lepolgr$50.00$50.001/19/2010 11:45:22 AM
Skeptical-one$100.00$100.001/20/2010 9:10:42 AM
SolarMoonshine$100.00$100.001/20/2010 5:43:37 PM
rvfbroker$25.00$25.001/20/2010 6:51:15 PM
mrreynol$25.00$25.001/20/2010 8:22:24 PM
yerkster1$50.00$50.001/21/2010 5:47:25 AM
value-crusader5$26.59$26.591/21/2010 11:32:11 AM
jtc26$50.00$50.001/21/2010 11:27:22 AM
Mikale360$25.00$25.001/21/2010 11:47:24 AM
wild-orange$25.00$25.001/21/2010 12:47:23 PM
Capit0l$25.00$25.001/21/2010 1:13:07 PM
LAKETIME$25.00$25.001/21/2010 1:22:00 PM
rate-farm3$74.95$74.951/21/2010 1:36:02 PM
reflective-rupee$25.00$25.001/21/2010 1:09:21 PM
Ray3486$25.00$25.001/21/2010 2:12:12 PM
dudebrah$25.00$25.001/21/2010 2:29:35 PM
quest0$50.00$50.001/21/2010 3:27:01 PM
realtormoises$25.00$25.001/21/2010 2:39:01 PM
Moe87$42.50$42.501/21/2010 3:47:32 PM
unger$50.00$50.001/21/2010 4:04:55 PM
exchange-cowbell5$200.00$200.001/21/2010 3:50:28 PM
epic-payout$150.00$150.001/21/2010 4:04:04 PM
44 bids
 
Borrower Payment Dependent Notes Series 442622
This series of Notes was issued and sold upon the funding of the borrower loan #40662, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jan-15-2010 
  Auction end date:  Jan-21-2010 
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 36.95% Starting monthly payment: $89.91
Final lender yield: 33.50% Final borrower rate/APR: 34.50% / 36.95% Final monthly payment: $89.91
 
Auction yield range: 11.06% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
<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: Aug-1994 Debt/Income ratio: 11%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 12Length of status:2y 3m
Amount delinquent: $497 Revolving credit balance: $2,017 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 3    
Screen name: sdagent Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
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 All Debt For Good
Purpose of loan: This loan will be used to consolidate my current debt. I intend to fully payback this loan well before the 36 month term. (One Year)
About Me:I am 25 years old; I have a 3 year old son. I have been with my current employer for 2 years and work full-time 40+ hours a week. I work in the private security industry. I get paid twice monthly. I have lived at my current residence for the past 12 years. I have been working on improving my credit for quite some time already. I went from being at a 408 score a year ago to what it is now.
Monthly Net Income: Net Check: $943.94Net Check: $960.37
Total Income Month of December:? $ 1904.31

Monthly expenses:
Housing:$350
Insurance:$30
Car expenses:$150
Phone, cable, internet:$50
Food: $200
Clothing, household expenses:$225
Credit cards and other loans:$200
Other expenses:$350 (childcare)
Total Monthly Expenses:$1555
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 current and past delinquencies. Thank you. - CMDCO
A: 1) The first delinquency is very old credit card that I have made payment arrangements to pay off 2) The second delinquency is from my current vehicle insurance (progressive) there was a missed payment when I had lost my debit card. This happen in between the time when I had to renew. I renewed with no problems later received a collection letter. As of now the status is paid, but has not been reflected on credit report due to third party collection agency. Third closed account has been paid (Jan-16-2010)
Q: Can you get a 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: Yeap, Sounds like a great idea. I'll get to work on it. (Jan-19-2010)
Q: Please list the balances, interest rates and monthly payments of each of your debts. Thanks much and best wishes. - reflective-rupee
A: 1st balance $321.93@ 28.99%, 2nd [email protected]%, 3rd $233.06@24%, 4th 293.08 @ 23.15%, 5th 150.00 @ 24.00%, 6th 320.00 @15.00% 7th [email protected]%, Total $1933.07 Lastly all account payments are $25.00 X7 Total $175.00 Thank You (Jan-21-2010)
Q: Given that you monthly net income exceeds your monthly expenses by about $350, why can't you just pay off you credit card debt with this excess cash flow over 7 months without getting a Prosper loan? Thanks much. - reflective-rupee
A: Great question!, Actually what is left over in excess, is more of a cushion fund for unexpected expenses, childcare, work, car, school.... Also id like to pay off my debt because of my balances being close to my limit. Which is lowering my credit score.I will be applying with my local Police as a recruit, and thus too many accounts with balances give you less points. Id bring everything at a higher rate but with the convenience of just making one payment rather then several different payments. (Jan-21-2010)
Q: How did you incur your debt? Thanks much - reflective-rupee
A: My debt was incurred through day to day needs. Paying for school expenses, books, work expenses not covered by my employer, uniforms, tools, unexpected vehicle problems,. Thank you for looking at my listing. I can promise you this will be a worthwhile investment for your self and your family. I've worked hard to get my credit to where it is now. I only see it getting better, this loan will definitely get me going in the right direction. Thank You again. (Jan-21-2010)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
KMSB$25.00$25.001/15/2010 4:06:05 PM
CyberCapital$25.00$25.001/15/2010 8:56:10 PM
foothillender$25.00$25.001/16/2010 7:17:34 AM
BradP$50.00$50.001/16/2010 2:34:29 PM
crippledcircus$45.00$45.001/16/2010 12:17:11 PM
TheFamilyFund$25.00$25.001/18/2010 4:25:04 PM
nickel-mad-scientist$25.00$25.001/18/2010 4:33:01 PM
glof1967$100.00$100.001/18/2010 4:59:55 PM
wise-balanced-moola$25.00$25.001/18/2010 4:39:03 PM
thomas16882004$25.00$25.001/18/2010 10:24:46 PM
circustab$50.00$50.001/19/2010 7:36:54 AM
FL-Lender$25.00$25.001/20/2010 4:26:25 PM
peso-bonaza$28.65$28.651/20/2010 4:56:25 PM
labyrinth0$25.00$25.001/20/2010 5:41:29 PM
deepblue34$35.00$35.001/20/2010 8:01:29 PM
Loaner_without_a_cause$25.00$25.001/20/2010 9:24:50 PM
yerkster1$75.00$75.001/21/2010 5:47:56 AM
marwadi-62$25.00$25.001/21/2010 9:07:45 AM
epic-payout$25.00$25.001/21/2010 11:16:28 AM
reflective-rupee$25.00$25.001/21/2010 2:32:56 PM
reflective-rupee$25.00$25.001/21/2010 2:33:28 PM
reflective-rupee$25.00$25.001/21/2010 2:33:45 PM
reflective-rupee$25.00$25.001/21/2010 2:34:54 PM
profitable-deal3$25.00$25.001/21/2010 2:08:42 PM
reflective-rupee$25.00$25.001/21/2010 2:34:39 PM
reflective-rupee$25.00$25.001/21/2010 2:35:51 PM
reflective-rupee$25.00$25.001/21/2010 2:36:31 PM
cunning-bill$25.00$25.001/21/2010 3:23:03 PM
millioncan$25.00$25.001/21/2010 4:07:49 PM
larryboy10$25.00$25.001/15/2010 4:49:22 PM
JustMee$25.00$25.001/15/2010 6:10:43 PM
Bob450$25.00$25.001/15/2010 9:13:34 PM
bdruss$25.00$25.001/16/2010 8:21:01 AM
FinDoc$25.00$25.001/16/2010 7:29:57 AM
lucrative-loan$50.00$50.001/16/2010 8:25:38 AM
18th_beachbum$25.00$25.001/16/2010 2:45:20 PM
SolarMoonshine$25.00$25.001/17/2010 7:19:05 AM
Ronnieboy888$25.00$25.001/17/2010 8:46:26 PM
transparent-revenue$25.00$25.001/18/2010 4:32:16 PM
orange-finance-banker$25.00$25.001/19/2010 4:34:10 PM
DonDiego$25.00$25.001/19/2010 9:21:24 PM
smart-gain$25.00$25.001/19/2010 8:23:06 PM
manrandom$200.00$200.001/20/2010 10:18:51 AM
Lubava$25.00$25.001/20/2010 3:06:27 PM
worth-jet824$25.00$25.001/20/2010 3:52:42 PM
Tono$25.00$25.001/20/2010 4:29:14 PM
Tono$25.00$25.001/20/2010 4:29:44 PM
Tono$25.00$25.001/20/2010 4:28:26 PM
1traveler$25.00$25.001/21/2010 12:26:45 AM
Capit0l$25.00$25.001/21/2010 7:08:39 AM
reflective-rupee$25.00$25.001/21/2010 1:39:37 PM
reflective-rupee$25.00$25.001/21/2010 2:34:23 PM
reflective-rupee$25.00$25.001/21/2010 2:35:36 PM
Evolver$100.00$100.001/21/2010 3:29:19 PM
reflective-rupee$25.00$25.001/21/2010 2:34:09 PM
reflective-rupee$25.00$25.001/21/2010 2:35:16 PM
reflective-rupee$25.00$25.001/21/2010 2:36:15 PM
cunning-bill$25.00$25.001/21/2010 3:22:01 PM
reflective-rupee$100.00$66.351/21/2010 4:08:35 PM
59 bids
 
Borrower Payment Dependent Notes Series 442766
This series of Notes was issued and sold upon the funding of the borrower loan #40630, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $486.83
Final lender yield: 9.35% Final borrower rate/APR: 10.35% / 12.46% Final monthly payment: $486.48
 
Auction yield range: 4.06% - 9.40% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.22%  
<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-1987 Debt/Income ratio: 22%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:10y 5m
Amount delinquent: $0 Revolving credit balance: $23,910 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 34%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: sympathetic-integrity0 Borrower's state: Louisiana 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 debt
Purpose of loan:
This loan will be used to? pay off deby

My financial situation:
I am a good candidate for this loan because? I am reliable and will pay off loan on time or before
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kanakakm$25.00$25.001/19/2010 10:05:11 AM
Searlzy$25.00$25.001/19/2010 10:07:53 AM
kanpur63$25.00$25.001/19/2010 10:08:01 AM
Tavita$25.00$25.001/19/2010 10:03:16 AM
zeelender$25.00$25.001/19/2010 10:08:48 AM
HappyHelpingLender$25.00$25.001/19/2010 10:04:36 AM
Tradesmanlender$25.00$25.001/19/2010 10:09:50 AM
seattleslug$25.00$25.001/19/2010 10:10:07 AM
Sofar$25.00$25.001/19/2010 10:06:32 AM
AF-Chief$27.00$27.001/19/2010 10:16:34 AM
unk1911$25.00$25.001/19/2010 10:16:17 AM
fortytwo$150.00$150.001/19/2010 10:19:23 AM
jrbill1998$50.00$50.001/19/2010 10:21:22 AM
bulabula$25.00$25.001/19/2010 10:21:26 AM
aldeed$25.00$25.001/19/2010 10:22:03 AM
aneley777$25.00$25.001/19/2010 10:23:07 AM
rlcot$25.00$25.001/19/2010 10:25:07 AM
elephantparty$25.00$25.001/19/2010 10:23:28 AM
kbodendorf$25.00$25.001/19/2010 10:25:39 AM
AFairDeal$25.00$25.001/19/2010 10:23:49 AM
Beverly_Hills_Lender$25.00$25.001/19/2010 10:27:12 AM
oaktown23$50.00$50.001/19/2010 10:24:09 AM
topher515$25.00$25.001/19/2010 10:27:48 AM
credible-durability$25.00$25.001/19/2010 10:27:25 AM
kingbutthd$25.00$25.001/19/2010 10:28:05 AM
mmckune$25.00$25.001/19/2010 10:28:08 AM
peso-colonel$90.00$90.001/19/2010 10:26:11 AM
discrete-asset$25.00$25.001/19/2010 10:26:36 AM
JDFuego$25.00$25.001/19/2010 10:28:26 AM
first-pragmatic-note$25.00$25.001/19/2010 10:28:34 AM
egw$25.00$25.001/19/2010 10:34:02 AM
tallcoolone$50.00$50.001/19/2010 10:37:11 AM
jtradition$50.00$50.001/19/2010 10:39:15 AM
MakoF16$50.00$50.001/19/2010 10:39:12 AM
whiteshadow$25.00$25.001/19/2010 10:39:26 AM
graceful-investment$50.00$50.001/19/2010 10:39:38 AM
oreyedoc$25.00$25.001/19/2010 10:40:32 AM
checkuto$25.00$25.001/19/2010 10:40:55 AM
bmarch$50.00$50.001/19/2010 10:40:47 AM
loanfairy$25.00$25.001/19/2010 10:41:28 AM
honorable-yield$50.00$50.001/19/2010 10:42:46 AM
cassius84$25.00$25.001/19/2010 10:43:33 AM
saffron4$25.00$25.001/19/2010 10:44:05 AM
friendly-gold$25.00$25.001/19/2010 10:44:02 AM
zrohmm$25.00$25.001/19/2010 10:44:11 AM
the-profit-oracle$25.00$25.001/19/2010 10:39:31 AM
reflective-cash0$50.00$50.001/19/2010 10:39:48 AM
DrStaff$60.00$60.001/19/2010 10:45:47 AM
NATIVEBORN$25.00$25.001/19/2010 10:40:21 AM
onlyastepaway$25.00$25.001/19/2010 10:46:12 AM
PHI4308$25.00$25.001/19/2010 10:40:42 AM
affluence-tycoon$25.00$25.001/19/2010 10:46:24 AM
Hexnut$25.00$25.001/19/2010 10:41:14 AM
duty-sensai$25.00$25.001/19/2010 10:41:21 AM
martiantim$25.00$25.001/19/2010 10:48:09 AM
nodrivelpls$25.00$25.001/19/2010 10:41:33 AM
bigphish$25.00$25.001/19/2010 10:48:41 AM
chekat$25.00$25.001/19/2010 10:48:16 AM
ohnezweck$25.00$25.001/19/2010 10:48:36 AM
astute-dollar$100.00$100.001/19/2010 10:49:45 AM
BlindJoeDeath$25.00$25.001/19/2010 10:48:47 AM
vkm2000$25.00$25.001/19/2010 10:43:06 AM
ahalls$25.00$25.001/19/2010 10:43:18 AM
klinebarger$25.00$25.001/19/2010 10:51:16 AM
exact-loan5$25.00$25.001/19/2010 10:51:57 AM
serpentine$50.00$50.001/19/2010 10:45:44 AM
ADIDASNO$25.00$25.001/19/2010 10:46:17 AM
kchen486$25.00$25.001/19/2010 10:51:36 AM
worldly-community3$25.00$25.001/19/2010 10:52:01 AM
larrybird$100.00$100.001/19/2010 10:53:50 AM
brazilofmux$100.00$100.001/19/2010 10:52:15 AM
tlp43$25.00$25.001/19/2010 10:48:01 AM
mtquan$25.00$25.001/19/2010 10:48:29 AM
outtahoth2o$100.00$100.001/19/2010 10:56:47 AM
Veloce$25.00$25.001/19/2010 10:48:59 AM
buckyhead2000$25.00$25.001/19/2010 10:55:55 AM
punctual-power7$25.00$25.001/19/2010 10:49:31 AM
mpatrick$50.00$50.001/19/2010 10:57:36 AM
commerce-web5$25.00$25.001/19/2010 10:57:55 AM
trumpeter5$25.00$25.001/19/2010 10:57:25 AM
E_G$30.00$30.001/19/2010 10:50:07 AM
principal-kung-fu$25.00$25.001/19/2010 10:57:43 AM
compassion-paladin042$25.00$25.001/19/2010 10:57:45 AM
nalaari$25.00$25.001/19/2010 10:58:09 AM
UT-Longhorn$25.00$25.001/19/2010 10:58:35 AM
note-tent$25.00$25.001/19/2010 10:51:41 AM
promiser200$25.00$25.001/19/2010 10:59:25 AM
calm-deal7$30.00$30.001/19/2010 11:00:13 AM
desertoasis$25.00$25.001/19/2010 11:00:38 AM
elegant-income3$30.00$30.001/19/2010 11:00:45 AM
bchen78875$25.00$25.001/19/2010 11:01:00 AM
SNH$50.00$50.001/19/2010 11:01:12 AM
Binan$25.00$25.001/19/2010 11:01:41 AM
PocketAces$25.00$25.001/19/2010 11:02:58 AM
commitment-forte6$25.00$25.001/19/2010 11:03:02 AM
The-CAPS-fan$30.00$30.001/19/2010 11:03:07 AM
Prosp_Lender$50.00$50.001/19/2010 11:02:02 AM
docktah$50.00$50.001/19/2010 11:02:11 AM
miked8303$25.00$25.001/19/2010 11:03:42 AM
Lightlife$50.00$50.001/19/2010 11:03:57 AM
kulender$25.00$25.001/19/2010 11:02:36 AM
xstreamin$25.00$25.001/19/2010 11:04:48 AM
durability-mad-scientist4$100.00$100.001/19/2010 11:03:25 AM
harperpotok$100.00$100.001/19/2010 11:05:06 AM
Doodlemeyer$25.00$25.001/19/2010 10:57:17 AM
anders94$25.00$25.001/19/2010 11:05:45 AM
tsui517$25.00$25.001/19/2010 11:06:18 AM
zippy-interest$25.00$25.001/19/2010 11:06:37 AM
ThomasCrown$30.00$30.001/19/2010 11:04:57 AM
market-path$50.00$50.001/19/2010 11:06:59 AM
Carpetkid$25.00$25.001/19/2010 11:05:33 AM
wdove511$25.00$25.001/19/2010 10:59:06 AM
repayment-launcher$25.00$25.001/19/2010 11:07:27 AM
bowdish1$100.00$100.001/19/2010 11:05:40 AM
diplomatic-point4$50.00$50.001/19/2010 10:59:39 AM
BigBoy2008$25.00$25.001/19/2010 11:06:05 AM
WillyBobba$25.00$25.001/19/2010 11:00:01 AM
friendly-market5$25.00$25.001/19/2010 11:08:04 AM
currency-oak$25.00$25.001/19/2010 11:08:20 AM
personal-lender$25.00$25.001/19/2010 11:00:47 AM
Artist_Blue$25.00$25.001/19/2010 11:08:34 AM
one-midas$25.00$25.001/19/2010 11:06:56 AM
TheoProf$50.00$50.001/19/2010 11:08:42 AM
Aimvest$25.00$25.001/19/2010 11:07:03 AM
supreme-hope$25.00$25.001/19/2010 11:09:23 AM
best-deal-banker$25.00$25.001/19/2010 11:07:38 AM
rooosta$25.00$25.001/19/2010 11:07:49 AM
asset-equilibrium0$25.00$25.001/19/2010 11:07:55 AM
microlendblvr$150.00$150.001/19/2010 11:01:55 AM
community-broadcaster$25.00$25.001/19/2010 11:08:01 AM
Syzygy$25.00$25.001/19/2010 11:08:08 AM
responsibility-butterfly$25.00$25.001/19/2010 11:10:28 AM
jdrez$25.00$25.001/19/2010 11:08:25 AM
ghinga$50.00$50.001/19/2010 11:10:43 AM
Avala$50.00$50.001/19/2010 11:08:28 AM
orange-preeminant-bill$100.00$100.001/19/2010 11:08:32 AM
important-ore$50.00$50.001/19/2010 11:11:13 AM
Katburg$35.00$35.001/19/2010 11:02:35 AM
puifais$25.00$25.001/19/2010 11:02:47 AM
papaloha$50.00$50.001/19/2010 11:11:23 AM
apeloans$25.00$25.001/19/2010 11:11:38 AM
Gibbyland$75.00$75.001/19/2010 11:11:46 AM
lloyd_s$25.00$25.001/19/2010 11:03:39 AM
elevated-platinum5$50.00$50.001/19/2010 11:12:32 AM
bonus-buddy2$35.00$35.001/19/2010 11:04:33 AM
credit-force5$25.00$25.001/19/2010 11:13:11 AM
Josta$50.00$50.001/19/2010 11:10:31 AM
LiquidLender$25.00$25.001/19/2010 11:10:39 AM
hyetech$35.00$35.001/19/2010 11:05:12 AM
yield-lion$25.00$25.001/19/2010 11:11:01 AM
durability-halibut$25.00$25.001/19/2010 11:11:18 AM
peaceful-return2$25.00$25.001/19/2010 11:06:09 AM
top-silver-american$25.00$25.001/19/2010 11:06:13 AM
progressive-asset$100.00$100.001/19/2010 11:12:02 AM
ryan23$25.00$25.001/19/2010 11:14:28 AM
accordion8$50.00$50.001/19/2010 11:12:28 AM
kaiger$25.00$25.001/19/2010 11:06:34 AM
Onesiphorus$25.00$25.001/19/2010 11:07:07 AM
Trimalchio12$25.00$25.001/19/2010 11:14:54 AM
Phantom99$25.00$25.001/19/2010 11:12:49 AM
How$25.00$25.001/19/2010 11:15:13 AM
GElender$50.00$50.001/19/2010 11:13:06 AM
CAGE-Investments$100.00$100.001/19/2010 11:07:33 AM
money-maniac$50.00$50.001/19/2010 11:07:43 AM
gracej$25.00$25.001/19/2010 11:08:37 AM
heng2x$25.00$25.001/19/2010 11:08:54 AM
PRGuyinVA$25.00$25.001/19/2010 11:08:58 AM
red-undaunted-kindness$100.00$100.001/19/2010 11:09:07 AM
Speculator$50.00$50.001/19/2010 11:09:30 AM
Fiimg$50.00$50.001/19/2010 11:09:38 AM
best-phenomenal-treasure$25.00$25.001/19/2010 11:10:16 AM
jbaum$25.00$25.001/19/2010 11:10:47 AM
NorthernFunds$25.00$25.001/19/2010 11:11:06 AM
handy-justice$25.00$25.001/19/2010 11:11:09 AM
MidLifeCrisis$25.00$25.001/19/2010 11:11:42 AM
teller$25.00$25.001/19/2010 11:12:38 AM
Mavrck88$25.00$25.001/19/2010 11:14:35 AM
intuitive-bill$25.00$25.001/19/2010 11:14:47 AM
rjblack$50.00$50.001/19/2010 11:26:04 AM
majestic-dedication$50.00$50.001/19/2010 11:27:53 AM
first-upright-payout$50.00$50.001/19/2010 11:29:02 AM
gold-commander0$50.00$50.001/19/2010 11:29:14 AM
leodaguy$25.00$25.001/19/2010 11:31:47 AM
Walkingcowboy$25.00$25.001/19/2010 11:32:03 AM
toblerone$50.00$50.001/19/2010 11:33:09 AM
figs4u2$80.00$80.001/19/2010 11:30:50 AM
mlopez2007$50.00$50.001/19/2010 11:36:54 AM
nuclearmoose$25.00$25.001/19/2010 11:35:38 AM
jsw7us$50.00$50.001/19/2010 11:42:19 AM
financelover$50.00$50.001/19/2010 11:38:35 AM
dollar-birdie$30.00$30.001/19/2010 11:45:19 AM
verse99$25.00$25.001/19/2010 11:45:47 AM
generous-at-heart$25.00$23.291/19/2010 11:46:36 AM
thedoctor$90.00$90.001/19/2010 11:43:48 AM
bayareainv$50.00$50.001/19/2010 11:45:50 AM
bamboozled_again$250.00$250.001/19/2010 12:06:01 PM
interstellar$27.04$27.041/19/2010 12:26:11 PM
creativename$25.00$25.001/19/2010 10:43:37 PM
orbital-transparency$25.00$25.001/21/2010 10:12:25 PM
genuine-euro9$25.00$25.001/21/2010 11:25:53 PM
BrighterSuns$25.00$25.001/22/2010 12:44:57 PM
dime-neutron$25.00$25.001/22/2010 4:33:20 PM
olwagner$27.11$27.111/22/2010 4:31:37 PM
helping-out$40.00$40.001/22/2010 5:35:01 PM
Bidwinner08$25.27$25.271/22/2010 9:52:15 PM
market-jam$40.78$40.781/23/2010 1:13:48 AM
durability-colonel$50.00$50.001/22/2010 10:05:33 PM
justin323$25.00$25.001/23/2010 4:51:55 AM
payout-magician$25.00$25.001/23/2010 1:06:51 PM
Jiangtao$25.00$25.001/23/2010 2:36:57 PM
dmitriy2$25.00$25.001/23/2010 6:49:02 PM
Spiv_51$25.00$25.001/24/2010 5:44:21 AM
Richmp412$25.00$25.001/25/2010 7:40:32 AM
djmike805$27.54$27.541/25/2010 9:55:38 AM
FutureLoans$100.00$100.001/25/2010 12:04:46 PM
SS123$25.00$25.001/25/2010 2:30:04 PM
grasscutter$50.99$50.991/26/2010 5:50:45 AM
PerryTech$25.00$25.001/26/2010 6:37:24 AM
bonus-quark4$25.00$25.001/26/2010 9:52:35 AM
WolRab$100.00$100.001/19/2010 10:08:34 AM
MrDavid$25.00$25.001/19/2010 10:04:39 AM
dansarkis$25.00$25.001/19/2010 10:09:27 AM
rmachi$25.00$25.001/19/2010 10:05:25 AM
vigilance-accruer$25.00$25.001/19/2010 10:09:43 AM
lostontheedge$25.00$25.001/19/2010 10:06:08 AM
flwah$25.00$25.001/19/2010 10:10:01 AM
kmwvma$25.00$25.001/19/2010 10:06:36 AM
mathprof$25.00$25.001/19/2010 10:06:48 AM
julijask$35.00$35.001/19/2010 10:09:01 AM
enb3$25.00$25.001/19/2010 10:20:40 AM
gentle-note$25.00$25.001/19/2010 10:21:57 AM
bogart2277$25.00$25.001/19/2010 10:21:14 AM
galtsgulch$25.00$25.001/19/2010 10:22:15 AM
upbeat-investment9$25.00$25.001/19/2010 10:22:12 AM
happyinvallarta$50.00$50.001/19/2010 10:23:17 AM
OldFriend$25.00$25.001/19/2010 10:24:46 AM
maldok1$25.00$25.001/19/2010 10:25:19 AM
plentiful-reward$50.00$50.001/19/2010 10:26:49 AM
dm_invest$25.00$25.001/19/2010 10:25:45 AM
The_Donald$25.00$25.001/19/2010 10:23:37 AM
tedsrfdude$25.00$25.001/19/2010 10:24:03 AM
scoobiedoo$25.00$25.001/19/2010 10:27:52 AM
industrious-dedication$25.00$25.001/19/2010 10:24:18 AM
lounges$25.00$25.001/19/2010 10:28:03 AM
bill-expert$25.00$25.001/19/2010 10:24:28 AM
Westerly$50.00$50.001/19/2010 10:28:17 AM
kenji4861$25.00$25.001/19/2010 10:29:25 AM
lean-velocity$25.00$25.001/19/2010 10:29:40 AM
pischkoa$25.00$25.001/19/2010 10:25:42 AM
Kelor99$25.00$25.001/19/2010 10:29:43 AM
skiberdad$50.00$50.001/19/2010 10:28:32 AM
loyalist1$25.00$25.001/19/2010 10:35:31 AM
Fortuno_per_commodo$25.00$25.001/19/2010 10:37:42 AM
Ballard$25.00$25.001/19/2010 10:39:08 AM
Frenchynh$25.00$25.001/19/2010 10:39:29 AM
glalat$25.00$25.001/19/2010 10:39:21 AM
CoolHelp$29.41$29.411/19/2010 10:40:13 AM
elasermd$50.00$50.001/19/2010 10:35:35 AM
Orringo$75.00$75.001/19/2010 10:42:12 AM
burrito6$25.00$25.001/19/2010 10:42:19 AM
tornandfrayed$25.00$25.001/19/2010 10:42:42 AM
gristle$25.00$25.001/19/2010 10:43:08 AM
peterpossum$25.00$25.001/19/2010 10:43:44 AM
rock-turner$25.00$25.001/19/2010 10:37:24 AM
bold-principal-thinker$25.00$25.001/19/2010 10:44:24 AM
IP$50.00$50.001/19/2010 10:39:10 AM
JohnW12$25.00$25.001/19/2010 10:39:13 AM
Interloper$25.00$25.001/19/2010 10:39:49 AM
balance-voyager$100.00$100.001/19/2010 10:46:58 AM
utukxul$25.00$25.001/19/2010 10:40:16 AM
HamachiMan$25.00$25.001/19/2010 10:47:01 AM
OldProp$25.00$25.001/19/2010 10:40:48 AM
don8ter$25.00$25.001/19/2010 10:40:57 AM
cyberie21$40.00$40.001/19/2010 10:41:11 AM
gravity-powered-air-cooled$25.00$25.001/19/2010 10:47:55 AM
coin-enclave$25.00$25.001/19/2010 10:48:13 AM
carlover$25.00$25.001/19/2010 10:47:15 AM
geniusj$25.00$25.001/19/2010 10:41:41 AM
aasx1108$25.00$25.001/19/2010 10:49:21 AM
Diamond_Jim$25.00$25.001/19/2010 10:50:01 AM
credit-kahuna$100.00$100.001/19/2010 10:50:17 AM
skibum65$37.35$37.351/19/2010 10:43:21 AM
wayman$50.00$50.001/19/2010 10:50:34 AM
benefit-squirrel$30.00$30.001/19/2010 10:50:42 AM
brooklynjoe$25.00$25.001/19/2010 10:43:47 AM
wiltonbound$25.00$25.001/19/2010 10:50:47 AM
payout-achievement$40.00$40.001/19/2010 10:50:27 AM
duty-monger$50.00$50.001/19/2010 10:51:00 AM
hitsman$50.00$50.001/19/2010 10:50:54 AM
shrewd-deal$25.00$25.001/19/2010 10:50:59 AM
Picopie$50.00$50.001/19/2010 10:51:51 AM
roto$25.00$25.001/19/2010 10:51:09 AM
thestartuplender$35.00$35.001/19/2010 10:51:23 AM
orange-courageous-dedication$30.00$30.001/19/2010 10:51:28 AM
Aeroman32$25.00$25.001/19/2010 10:53:27 AM
peerlender$30.00$30.001/19/2010 10:53:39 AM
flopcat$25.00$25.001/19/2010 10:52:08 AM
blooming-dedication$50.00$50.001/19/2010 10:52:13 AM
melodious-fairness$25.00$25.001/19/2010 10:52:31 AM
truth-companion$25.00$25.001/19/2010 10:47:46 AM
NDFIRTH$50.00$50.001/19/2010 10:54:17 AM
paymentologist$25.00$25.001/19/2010 10:48:34 AM
LenderByDay$25.00$25.001/19/2010 10:48:38 AM
AndyLee$25.00$25.001/19/2010 10:54:37 AM
felicity-synapse$25.00$25.001/19/2010 10:48:57 AM
Pizza-man$50.00$50.001/19/2010 10:49:36 AM
msbutah$50.00$50.001/19/2010 10:59:03 AM
Cheburashka$25.00$25.001/19/2010 10:58:42 AM
techvet$25.00$25.001/19/2010 10:51:45 AM
gulch$25.00$25.001/19/2010 11:01:22 AM
wonderful-return5$25.00$25.001/19/2010 11:01:47 AM
aventurer$25.00$25.001/19/2010 11:02:08 AM
crazycool$25.00$25.001/19/2010 11:02:23 AM
Kaj$25.00$25.001/19/2010 11:01:10 AM
DRA-Properties$25.00$25.001/19/2010 11:01:26 AM
payout-point$50.00$50.001/19/2010 11:03:21 AM
value-pole$25.00$25.001/19/2010 11:03:50 AM
18th_beachbum$25.00$25.001/19/2010 11:02:32 AM
wise-extraordinary-loot$30.00$30.001/19/2010 11:04:27 AM
Clambake$50.00$50.001/19/2010 11:04:36 AM
studious-listing8$25.00$25.001/19/2010 11:03:14 AM
mikeandcat$50.00$50.001/19/2010 11:03:27 AM
Dutchhunter$50.00$50.001/19/2010 11:05:01 AM
harmonious-revenue7$25.00$25.001/19/2010 11:06:02 AM
youqianderen$50.00$50.001/19/2010 11:04:41 AM
DadWarbucks$25.00$25.001/19/2010 10:58:11 AM
saxquiz$25.00$25.001/19/2010 11:06:42 AM
tom48l$25.00$25.001/19/2010 11:05:25 AM
bajeezus$25.00$25.001/19/2010 11:05:44 AM
cpaphoto$25.00$25.001/19/2010 11:05:57 AM
time4aloan$50.00$50.001/19/2010 11:07:40 AM
Archchancellor$25.00$25.001/19/2010 11:06:28 AM
top-commitment-champ$25.00$25.001/19/2010 11:09:12 AM
OCedHrt$25.00$25.001/19/2010 11:09:17 AM
money2k$25.00$25.001/19/2010 11:07:28 AM
Banker7371$25.00$25.001/19/2010 11:01:33 AM
Rob717171$25.00$25.001/19/2010 11:09:31 AM
emelia$25.00$25.001/19/2010 11:07:46 AM
fcukciti$25.00$25.001/19/2010 11:09:41 AM
red-favorable-basis$25.00$25.001/19/2010 11:09:45 AM
foxy-fund$50.00$50.001/19/2010 11:10:02 AM
kmr2$50.00$50.001/19/2010 11:10:09 AM
dmfog$25.00$25.001/19/2010 11:02:16 AM
delicious-social132$25.00$25.001/19/2010 11:09:03 AM
Cai8899$50.00$50.001/19/2010 11:12:19 AM
ocho$25.00$25.001/19/2010 11:09:54 AM
impeccable-transparency$75.00$75.001/19/2010 11:12:41 AM
head$25.00$25.001/19/2010 11:10:04 AM
forthright-dedication$50.00$50.001/19/2010 11:10:13 AM
museic1$50.00$50.001/19/2010 11:04:31 AM
Aquani$50.00$50.001/19/2010 11:10:35 AM
inspiring-reward$50.00$50.001/19/2010 11:13:33 AM
srilm$25.00$25.001/19/2010 11:10:53 AM
reward-adventure$25.00$25.001/19/2010 11:05:31 AM
careful-compassion$50.00$50.001/19/2010 11:11:29 AM
30Sky$25.00$25.001/19/2010 11:06:23 AM
inspired-contract9$25.00$25.001/19/2010 11:06:48 AM
SongBirdProphecy$25.00$25.001/19/2010 11:14:51 AM
nickel-advocator$25.00$25.001/19/2010 11:12:45 AM
junctionking$25.00$25.001/19/2010 11:12:57 AM
investment-comet$25.00$25.001/19/2010 11:13:21 AM
Goodlender42$25.00$25.001/19/2010 11:13:28 AM
helpinghand75$25.00$25.001/19/2010 11:08:46 AM
kegs$100.00$100.001/19/2010 11:09:56 AM
omniviper$25.00$25.001/19/2010 11:11:59 AM
xrycac$25.00$25.001/19/2010 11:12:08 AM
inventive-wealth2$25.00$25.001/19/2010 11:12:12 AM
intrepid-transaction5$25.00$25.001/19/2010 11:13:02 AM
THREE-POINTS-LENDING$25.00$25.001/19/2010 11:15:01 AM
MyKidsDad$25.00$25.001/19/2010 11:15:03 AM
availableloan$25.00$25.001/19/2010 11:26:10 AM
meenan$25.00$25.001/19/2010 11:27:39 AM
exciting-responsibility3$25.00$25.001/19/2010 11:29:59 AM
wampum-optimization$50.00$50.001/19/2010 11:33:25 AM
schpere$30.00$30.001/19/2010 11:33:54 AM
market-builder$25.00$25.001/19/2010 11:34:40 AM
mmqc$25.00$25.001/19/2010 11:35:48 AM
Fearless_Lender$25.00$25.001/19/2010 11:36:18 AM
dealarella$25.00$25.001/19/2010 11:36:22 AM
buukyak$25.00$25.001/19/2010 11:32:43 AM
DukSerduk$25.00$25.001/19/2010 11:39:43 AM
alpinaut$25.00$25.001/19/2010 11:40:14 AM
Jassi$25.00$25.001/19/2010 11:40:28 AM
blooming-market$25.00$25.001/19/2010 11:36:04 AM
heroic-platinum$25.00$25.001/19/2010 11:37:39 AM
grampy48$25.00$25.001/19/2010 11:43:36 AM
AmericanCredit$25.00$25.001/19/2010 11:39:39 AM
exchange-battalion$30.00$30.001/19/2010 11:44:52 AM
highcountry1$25.00$25.001/19/2010 11:40:44 AM
laredotornado$25.00$25.001/19/2010 11:43:03 AM
rdrloan$25.00$25.001/19/2010 11:47:41 AM
determined-contract$30.00$30.001/19/2010 11:45:08 AM
rolandweary$30.00$30.001/19/2010 11:46:10 AM
greenwell$50.00$50.001/19/2010 11:46:18 AM
wise-balanced-moola$25.00$25.001/19/2010 12:05:26 PM
Aristophil$56.00$56.001/19/2010 12:55:17 PM
Moneypenny6$25.00$25.001/19/2010 12:53:46 PM
melodious-fairness$25.00$25.001/19/2010 6:51:10 PM
dontscrewmeover1$25.00$25.001/19/2010 7:36:49 PM
wonderous-power$25.00$25.001/20/2010 4:35:22 AM
dud$50.00$50.001/20/2010 10:34:39 AM
fabeasy$25.00$25.001/21/2010 10:46:46 AM
bigmacbeef$25.00$25.001/21/2010 3:26:25 PM
wwwUniversal$25.00$25.001/21/2010 3:59:07 PM
agreement-bunny$25.00$25.001/21/2010 7:48:23 PM
friendly-worth3$25.00$25.001/22/2010 10:10:40 AM
wwwUniversal$25.00$25.001/22/2010 4:24:56 PM
Tc11902$50.00$50.001/22/2010 4:32:29 PM
blindtaxidriver$25.00$25.001/22/2010 5:00:04 PM
jtoms101$25.00$25.001/22/2010 7:59:08 PM
sinner_c5$25.00$25.001/23/2010 12:17:13 AM
RandyL3$25.00$25.001/23/2010 10:41:16 AM
payout-magician$25.00$25.001/23/2010 1:07:42 PM
CashBank$25.00$25.001/23/2010 6:08:25 PM
jguerrajr$25.00$25.001/24/2010 7:17:32 AM
Svigel$28.71$28.711/24/2010 12:30:49 PM
Arpad$70.00$70.001/24/2010 6:47:10 PM
KlarthXVII$50.00$50.001/25/2010 3:28:27 AM
drummerdad$28.08$28.081/25/2010 6:25:30 AM
TJRCapital$25.00$25.001/25/2010 6:30:34 AM
moneytolend72$50.00$50.001/25/2010 9:30:12 AM
MacBrandon$25.00$25.001/25/2010 9:42:39 AM
leod1948$25.00$25.001/25/2010 9:55:00 AM
Scubadiver$28.34$28.341/25/2010 10:17:05 AM
the-bright-velocity$25.00$25.001/25/2010 1:25:08 PM
jybank$25.00$25.001/25/2010 2:56:24 PM
market-network$25.00$25.001/25/2010 2:06:34 PM
BankofPaul$50.00$50.001/26/2010 5:59:34 AM
rate-hickory$25.00$25.001/26/2010 7:04:54 AM
ApolloBodie$63.09$63.091/26/2010 9:54:58 AM
430 bids
 
Borrower Payment Dependent Notes Series 442814
This series of Notes was issued and sold upon the funding of the borrower loan #40638, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,800.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-25-2010 
 
Starting lender yield: 16.73% Starting borrower rate/APR: 17.73% / 19.94% Starting monthly payment: $64.83
Final lender yield: 13.00% Final borrower rate/APR: 14.00% / 16.16% Final monthly payment: $61.52
 
Auction yield range: 6.06% - 16.73% 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: Jun-1982 Debt/Income ratio: 17%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $949 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 2    
Screen name: eloquent-investment1 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
Starting a new position
Purpose of loan:
This loan will be used to pay off debt.? I am starting a new position that is both base and commission. I have extensive sales experience. The position is with an online insurance provider.? I simply need to close as the customers make contact. I feel very comfortable with the opportunity, however I have been unemployed 7 months waiting for the right position and things are tight.? I want to ensure my credit rating remains high and this is the best way.??

My financial situation:
I am a good candidate for this loan because I have a wonderful credit score, I have been a long term employee anywhere I have worked.? I have always paid my debts.? I worked two full time jobs in school so I could pay as I went.? I would not be in such a tight situation if I had not been helping a family member financially before my lay off in May 2009.?

Whoever you are I will absolutely pay you.? You can be guaranteed!!!? My credit rating is too important to me, my reputation is too important too me.? My word is too important to me.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Tavita$25.00$25.001/19/2010 10:03:15 AM
MrDavid$25.00$25.001/19/2010 10:04:40 AM
ChristopherHS$25.00$25.001/19/2010 10:03:32 AM
mathprof$25.00$25.001/19/2010 10:06:49 AM
selector568$200.00$104.321/19/2010 10:08:17 AM
kanakakm$25.00$25.001/19/2010 10:05:10 AM
asset-caballero$25.00$25.001/19/2010 5:00:14 PM
Lender0307$25.00$25.001/20/2010 8:45:31 AM
pureliquidhw$25.00$25.001/20/2010 6:15:13 AM
Pickmar$25.00$25.001/21/2010 5:49:12 AM
jakespirit$25.00$25.001/22/2010 2:39:01 AM
worth-victor6$25.00$25.001/22/2010 9:22:47 AM
friendly-worth3$25.00$25.001/22/2010 10:10:43 AM
wise-balanced-moola$25.00$25.001/22/2010 4:08:12 PM
JUDAHiNVESTMENTGROUP$25.00$25.001/22/2010 5:29:20 PM
RicheyRich$25.00$25.001/22/2010 6:51:57 PM
Toony$25.00$25.001/22/2010 6:39:20 PM
intelligent-yield$25.00$25.001/24/2010 12:34:41 AM
Your_Bank$25.00$25.001/24/2010 6:28:21 PM
peregrine$25.00$25.001/24/2010 8:05:40 PM
Snoopylover$25.00$25.001/25/2010 6:13:57 AM
magee425$25.00$25.001/25/2010 9:02:06 AM
coin-spilunker$25.00$25.001/25/2010 9:24:24 AM
orbiter614$50.00$50.001/25/2010 9:43:05 AM
TicTac$25.00$25.001/25/2010 11:10:00 AM
SNH$50.00$50.001/25/2010 6:44:26 PM
sparkmeister$25.00$25.001/19/2010 11:37:11 AM
Syzygy$25.00$25.001/19/2010 2:05:04 PM
kf88$25.00$25.001/21/2010 1:10:25 PM
wwwUniversal$25.00$25.001/21/2010 5:04:26 PM
AtmaSingshu$25.00$25.001/22/2010 2:50:36 PM
1SteelerFan$25.00$25.001/22/2010 5:44:43 PM
Cliffie83$39.90$39.901/22/2010 9:03:51 PM
4mydaughterseducation$25.00$25.001/23/2010 8:24:02 AM
wise382$25.00$25.001/23/2010 1:20:43 PM
marwadi-62$25.00$25.001/23/2010 5:20:23 PM
thegreatstrafe$25.00$25.001/24/2010 12:37:01 AM
hidavehi$25.00$25.001/24/2010 8:20:48 AM
Dskillz$25.00$25.001/24/2010 5:56:14 PM
Leshan$25.00$25.001/25/2010 7:58:58 AM
hebergee$25.00$25.001/25/2010 7:35:13 AM
The-CAPS-fan$55.00$55.001/25/2010 10:16:17 AM
Astyanax$25.00$25.001/25/2010 10:26:53 AM
plbquic$25.00$25.001/25/2010 11:45:34 AM
balance-chestnut$50.00$50.001/25/2010 11:33:58 AM
invincible-gain$30.00$30.001/25/2010 12:28:45 PM
scientists$25.00$25.001/25/2010 1:41:49 PM
the-profit-oracle$25.00$25.001/25/2010 2:12:18 PM
bill-expert$200.00$200.001/25/2010 1:46:38 PM
dudebrah$26.00$26.001/25/2010 2:13:19 PM
SS123$25.00$25.001/25/2010 2:28:57 PM
GWSportsFan$25.00$25.001/25/2010 4:16:30 PM
nakedboy$55.08$55.081/25/2010 5:09:19 PM
coldfuzion$39.70$39.701/25/2010 5:35:49 PM
Oak-Parker$25.00$25.001/25/2010 6:31:09 PM
55 bids
 
Borrower Payment Dependent Notes Series 442942
This series of Notes was issued and sold upon the funding of the borrower loan #40642, 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-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 18.67% Final monthly payment: $34.67
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.81%  
Lender servicing fee: 1.00% Estimated return: 7.19%  
<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: Sep-2004 Debt/Income ratio: 20%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:1y 11m
Amount delinquent: $0 Revolving credit balance: $869 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: musdro Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 88% ) 660-679 (Latest)
Principal borrowed: $2,000.00< mo. late: 3 ( 13% )  
620-639 (Jan-2008)
620-639 (Dec-2007)
 
Principal balance: $843.24 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Birthday Travel
This loan will be used to make travel plans early in order to obtain cheap deals, instead of waiting till next month's pay period.
My financial situation is secure and stable.
I am a good candidate for this loan because I a great record with prosper regarding my other loan, and making timely payments.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
luminant$25.00$25.001/21/2010 8:26:54 PM
letsbank$33.00$33.001/23/2010 12:14:11 PM
twtb19$25.00$25.001/23/2010 12:12:51 PM
himanshuko$45.00$45.001/23/2010 1:28:51 PM
drkosh$25.00$25.001/23/2010 2:43:52 PM
grammaspurse$25.00$25.001/23/2010 8:08:38 PM
kapitalx$25.00$25.001/23/2010 11:32:39 PM
greenback-companion8$25.00$25.001/25/2010 4:17:11 PM
realtormoises$25.00$25.001/25/2010 4:38:04 PM
vine99$50.00$50.001/25/2010 8:44:28 PM
seineil$84.90$84.901/26/2010 1:01:10 AM
The-CAPS-fan$34.00$34.001/26/2010 7:15:31 AM
Mikale360$25.00$25.001/26/2010 8:38:02 AM
LittleMingo$25.00$25.001/26/2010 9:32:13 AM
Syzygy$25.00$25.001/19/2010 2:07:24 PM
marwadi-62$200.00$200.001/21/2010 5:14:58 PM
MStackIV$25.00$25.001/22/2010 9:50:22 AM
Streamfeeder$25.00$24.021/22/2010 7:41:19 PM
3mma$29.08$29.081/24/2010 4:43:14 PM
dpries123$25.00$25.001/25/2010 6:31:19 AM
Leshan$50.00$50.001/25/2010 8:08:01 AM
yerkster1$75.00$75.001/26/2010 6:49:57 AM
sorace$50.00$50.001/26/2010 6:57:45 AM
elvisloans$25.00$25.001/26/2010 7:42:51 AM
24 bids
 
Borrower Payment Dependent Notes Series 443140
This series of Notes was issued and sold upon the funding of the borrower loan #40660, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-22-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $90.47
 
Auction yield range: 8.06% - 34.00% Estimated loss impact: 7.33%  
Lender servicing fee: 1.00% Estimated return: 26.67%  
<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-2001 Debt/Income ratio: 37%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $18,528 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: marketplace-zenith0 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating my Debts
Purpose of loan:This loan will be used to consolidate?debts?I have into one monthly payment,?I want to make it?easier and pay one place each month.

?My financial situation:I am a good candidate for this loan becausethis is just to consolidate some bills in order to make easier payments. I have two jobs and make very good money along with my chemist job I am also a waiter. I will be able to make each payment on time. I have never been late on a payment for any of my bills

Monthly net income: $ 4400

Monthly expenses: $???Housing: $ 661???
Insurance: $ 75
Car expenses: $ 175??
Utilities: $ 250?
Phone, cable, internet: $ 75??
Food, entertainment: $ 50??
Clothing, household expenses $ 50
Credit cards and other loans: $?250??
Other expenses: $?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi! We have a female picture and a male gender noun "waiter" in the description. Can you clarify? - Delta-Kilo-7K
A: Yes that is my Wifes picture she is cuter then me (Jan-20-2010)
Q: Does your significant other help with monthly payments or are the other half of household debts in his/her name? (credit cards, personal loans, student loans, auto loans, home rent or car leases, mortgage payments, etc.) THANKS! - SmartConsolidation
A: She helps with payments everything is in both our names and we split the bills. (Jan-20-2010)
Q: How come that 2 people spend only $50 in food per month? How do you do it? How accurate are the other monthly expenses you posted? Please answer publicly. Thanks and good luck with the funding! - zento
A: That number is a supposed to be 150, but the rest are correct. I work as a waiter 4 nights a week so i don't eat home often. We never go out its all grocery (Jan-21-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flyinhawaiian$50.00$50.001/19/2010 10:17:06 AM
investment-comet$25.00$25.001/19/2010 11:32:24 AM
stephen_c01$25.00$25.001/19/2010 11:54:08 AM
snw_1710$25.00$25.001/19/2010 11:58:29 AM
cunning-bill$50.00$50.001/19/2010 7:52:19 PM
Bob450$50.00$50.001/19/2010 9:43:53 PM
KramericaIndustries$25.00$25.001/19/2010 6:51:06 PM
awesome-benefit1$25.00$25.001/19/2010 9:11:52 PM
CashMoney2009$30.00$30.001/20/2010 10:37:20 AM
BradP$50.00$50.001/20/2010 1:38:22 PM
smontgom$25.00$25.001/20/2010 6:31:38 PM
Virtuallending$50.00$50.001/20/2010 9:04:41 PM
mrwhitlin$60.00$60.001/20/2010 9:35:40 PM
Pickmar$25.00$25.001/21/2010 6:02:01 AM
inforapenny$25.00$25.001/21/2010 7:23:59 AM
Capit0l$25.00$25.001/21/2010 7:07:25 AM
Abundanceforus$45.02$45.021/21/2010 2:31:08 PM
SFBank$200.00$200.001/21/2010 4:24:18 PM
Ven58$25.00$25.001/21/2010 4:38:33 PM
MrDance123$25.00$25.001/21/2010 5:55:41 PM
fund-fox4$25.00$25.001/21/2010 7:37:56 PM
investment-forte$25.00$25.001/21/2010 10:54:04 PM
tranquil-revenue$100.00$100.001/22/2010 9:52:43 AM
elegant-capital$25.00$25.001/22/2010 11:15:35 AM
cashhelp$25.00$25.001/22/2010 10:36:03 AM
cunning-bill$25.00$25.001/22/2010 11:20:17 AM
cunning-bill$25.00$11.391/22/2010 11:21:04 AM
wealth-comet694$25.00$25.001/19/2010 1:38:39 PM
TackingWindward$25.00$25.001/20/2010 6:03:06 AM
Delta-Kilo-7K$50.00$50.001/20/2010 2:47:46 AM
erip2008$50.00$50.001/20/2010 7:52:18 AM
Approved$25.00$25.001/20/2010 1:45:38 PM
lucrative-loan$25.00$25.001/20/2010 4:49:02 PM
Imaginos1892$25.00$25.001/20/2010 7:03:52 PM
vivacious-p2p3$25.00$25.001/21/2010 4:36:56 AM
caseattle$25.00$25.001/21/2010 7:17:57 AM
penny-surgeon$25.00$25.001/21/2010 4:38:43 PM
CincyTex$50.00$50.001/21/2010 7:29:14 PM
innovator2$53.59$53.591/21/2010 7:27:31 PM
Bank_Of_XL$100.00$100.001/22/2010 8:55:43 AM
3613925$25.00$25.001/22/2010 9:58:27 AM
treerich65$200.00$200.001/22/2010 10:25:48 AM
Evolver$100.00$100.001/22/2010 11:29:04 AM
wizardii$25.00$25.001/22/2010 11:29:12 AM
deal-enthusiast$50.00$50.001/22/2010 11:17:33 AM
45 bids
 
Borrower Payment Dependent Notes Series 443346
This series of Notes was issued and sold upon the funding of the borrower loan #40620, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,300.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-19-2010 
  Auction end date:  Jan-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $104.04
Final lender yield: 32.00% Final borrower rate/APR: 33.00% / 35.42% Final monthly payment: $101.46
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 16.17%  
Lender servicing fee: 1.00% Estimated return: 15.83%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Sep-1998 Debt/Income ratio: 24%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 19Length of status:3y 5m
Amount delinquent: $0 Revolving credit balance: $5,287 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 2    
Screen name: 2ndchance529 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,600.00< mo. late: 0 ( 0% )  
600-619 (Dec-2009)
640-659 (Aug-2008)
540-559 (Jan-2008)
520-539 (Oct-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Fin Aid approved after deadline!!
Purpose of loan:
Help!? I?have registered?for my classes but my approved financial aid won't come in time! I am pursuing my degree to enhance my skills as a Social Worker; where I work hard to help those who are severely disadvantaged.? I've paid for part of the fees with my credit cards, but am falling short.? Financial aid states that my aid will not post in time.
My financial situation:
Despite this 'rating', I have had over three years of great credit payment history (haven't been late),?have paid off my previous Prosper loan, and have been approved?for financial aid at school, but the office is not able to post it to my account before the tuition due date.? Once the aid posts, I will be able to refund your loan.??My credit score is only this low due to using my credit cards to pay some of the tuition, thus lowering my available credit. This WILL be paid off. My last listing was 99% funded. I am hoping to make the 100% mark in time for the due date.

Monthly net income: $ 1972
Monthly expenses: $
??Housing: $ 665????
??Insurance: $?80
??Car expenses: $284
??Utilities: $?60
??Phone, cable, internet: $?60
??Food, entertainment: $?100
??Clothing, household expenses $?50
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
carrinel$28.00$28.001/26/2010 4:14:40 PM
flexible-economy2$100.00$100.001/19/2010 5:14:08 PM
DasMula$100.00$100.001/19/2010 6:14:58 PM
econgineer$33.92$33.921/20/2010 6:03:25 AM
Iceman1347$25.00$25.001/22/2010 10:09:12 AM
DenimCapital$100.00$100.001/23/2010 5:42:35 PM
DasMula$50.00$50.001/24/2010 6:10:12 PM
Skeptical-one$50.00$50.001/25/2010 7:54:11 AM
Ronnieboy888$25.00$25.001/25/2010 11:02:11 AM
jbloans$25.00$25.001/25/2010 3:25:48 PM
dime-brigade$25.00$25.001/25/2010 5:00:44 PM
Kash2010lu$25.00$25.001/25/2010 6:54:05 PM
DenimCapital$50.00$50.001/25/2010 7:22:48 PM
Your_Bank$25.00$25.001/25/2010 7:33:15 PM
Carne_Chung$25.00$25.001/26/2010 1:05:26 AM
twjh$25.00$25.001/26/2010 1:37:50 AM
Mikale360$25.00$25.001/26/2010 8:49:04 AM
realtormoises$25.00$25.001/26/2010 8:07:01 AM
eronyc$25.00$25.001/26/2010 11:55:31 AM
yurison$25.00$25.001/26/2010 12:44:38 PM
brother_tam$100.00$100.001/26/2010 4:21:27 PM
kenL$300.00$300.001/26/2010 4:36:58 PM
DaddyBill$25.00$25.001/26/2010 4:45:10 PM
enthusiastic-capital1$27.29$27.291/26/2010 4:56:08 PM
unger$50.00$50.001/26/2010 4:53:57 PM
frugalinvestor20$25.00$25.001/19/2010 5:12:00 PM
Bob450$25.00$25.001/19/2010 8:22:52 PM
SolarMoonshine$25.00$25.001/20/2010 6:06:20 PM
GlenBank$75.00$75.001/24/2010 8:07:32 AM
us957165$25.00$25.001/24/2010 7:11:24 PM
chameleon125$50.00$50.001/25/2010 7:50:25 AM
OrdiNance$27.00$27.001/25/2010 7:57:03 AM
Peterman$25.00$25.001/25/2010 1:23:48 PM
piter-to-la-investment$25.00$25.001/25/2010 3:46:33 PM
vmh20035$50.00$50.001/25/2010 4:09:52 PM
Bobusa$25.00$25.001/26/2010 5:12:17 AM
reflective-rupee$100.00$73.851/26/2010 1:29:48 AM
Astyanax$25.00$25.001/26/2010 10:38:25 AM
IASKGOD$25.00$25.001/26/2010 10:50:42 AM
Rancid$27.00$27.001/26/2010 10:25:31 AM
Capit0l$25.00$25.001/26/2010 11:15:10 AM
heroic-benefit$100.00$100.001/26/2010 11:29:02 AM
sunshinysmiles$25.00$25.001/26/2010 12:00:41 PM
djkaiser$25.00$25.001/26/2010 2:30:32 PM
Isotope$25.00$25.001/26/2010 12:22:40 PM
CarlosCespedes$25.00$25.001/26/2010 1:35:49 PM
Leshan$50.00$50.001/26/2010 1:45:13 PM
quest0$50.00$50.001/26/2010 2:10:23 PM
shark1234$25.00$25.001/26/2010 3:57:38 PM
PerryTech$25.00$25.001/26/2010 4:16:30 PM
wild-orange$25.00$25.001/26/2010 4:18:16 PM
friendinmoney$25.00$25.001/26/2010 4:57:35 PM
ohmarkybaby$32.94$32.941/26/2010 4:58:05 PM
53 bids
 
Borrower Payment Dependent Notes Series 443638
This series of Notes was issued and sold upon the funding of the borrower loan #40632, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7% Auction start date:  Jan-21-2010 
  Auction end date:  Jan-27-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
Final lender yield: 33.90% Final borrower rate/APR: 34.90% / 37.35% Final monthly payment: $158.13
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 16.26%  
Lender servicing fee: 1.00% Estimated return: 17.64%  
<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: May-1999 Debt/Income ratio: 20%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $1,647 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 108%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: deadgrassdog 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 historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 97% ) 620-639 (Latest)
Principal borrowed: $2,600.00< mo. late: 1 ( 3% )  
600-619 (Aug-2009)
580-599 (Apr-2008)
580-599 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Property Tax on Grandma's House
This is my 2nd Prosper Loan... My first Loan?was paid off early!?

Purpose of Loan:
My grandmother passed away in September 2009.? I have been cleaning the house out and preparing it to be put on the market.? In the meantime property taxes have come due and I need to get these taxes paid off before the house hits the market so it doesn't hold up or drive away any potential sale of the house.? This house should be a quick turn once it hits the market and this loan will also be paid off early.


Current Debts:
Capital One Auto Finance $13,265 @ 15.5%
American General Finance $6356 @ 20.73%
US Dept. Education $13,173 @ 7%
Capital One $525 @ 23.9%
HSBC $665 @ 28.9%
HSBC $320 @ 14.9%


Present Budget:
My net income: $4500

Total Expenses: $2975

Left Over: $1525

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 type of work do you do? - exchange-cowbell5
A: I am a service manager for Stanley access technologies. I manage a group of service technicians for northern CA and WA. My job is very stable the company has been around for about 150 years. Stanley as in "Stanley Tools" We are a sub division. (Jan-23-2010)
Q: Explain the late payment on the 1st loan - Capit0l
A: It was actually 5 days late on my very last $11.00 payment. I thought the account was paid off and didn't transfer money into the account for payment. As soon as I was notified I moved the money into the account and paid it off... It cost me an additonal $15.00. (Jan-24-2010)
Q: With 108% bankcard utilization, it looks like you are over your limit on credit cards. Can you discuss this situation? - jelly1126
A: I was over limit on one card (CapitolOne) by $47.58 plus the $39.00 over limit fee. This was due to buying paint and cleaning supplies to get the house ready for sale. The card has been paid down below the over limit and has a balance due of $481.06 on a $600.00 credit limit. (Jan-26-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
flexible-economy2$100.00$100.001/21/2010 9:12:49 AM
frugalinvestor20$25.00$25.001/21/2010 9:26:46 AM
Bob450$50.00$50.001/21/2010 9:06:46 PM
BradP$50.00$50.001/22/2010 4:21:39 PM
loss-of-control$25.00$25.001/24/2010 2:50:31 PM
selector568$100.00$100.001/24/2010 5:47:03 PM
investment-forte$29.38$29.381/24/2010 7:35:17 PM
innovator2$50.00$50.001/24/2010 9:10:31 PM
buffalobills$25.00$25.001/25/2010 8:20:12 AM
hellasow$25.00$25.001/25/2010 6:14:56 PM
Laxa$25.00$25.001/25/2010 7:05:34 PM
Onlyhappycustomers$25.00$25.001/25/2010 7:28:27 PM
Peterman$50.00$50.001/26/2010 7:06:01 AM
felicity-daydream$75.00$75.001/26/2010 8:57:56 AM
leverage-monger$25.00$25.001/26/2010 2:24:42 PM
cashhelp$25.00$25.001/26/2010 1:59:00 PM
vmh20035$38.48$38.481/26/2010 5:47:28 PM
fund-secret-agent$25.00$25.001/26/2010 6:46:41 PM
alexgalt$100.00$100.001/26/2010 6:58:52 PM
a-silver-booster$53.61$53.611/26/2010 10:38:20 PM
a_falk22$25.00$25.001/26/2010 9:12:55 PM
charming-point$300.00$300.001/27/2010 7:13:58 AM
twjh$25.00$25.001/26/2010 9:34:57 PM
SDD123$25.00$25.001/27/2010 5:10:23 AM
groundsquirrel$25.00$25.001/27/2010 6:05:48 AM
moneymagnet4God$26.30$26.301/27/2010 7:42:00 AM
shawnw2$125.00$125.001/27/2010 7:44:37 AM
flexible-economy2$300.00$300.001/21/2010 9:25:11 AM
zento$25.00$25.001/21/2010 11:50:07 AM
JustMee$25.00$25.001/21/2010 5:30:38 PM
SolarMoonshine$25.00$25.001/22/2010 5:47:39 PM
bankbuddy55$25.00$25.001/23/2010 8:22:34 AM
GlenBank$100.00$100.001/24/2010 8:12:57 AM
DasMula$50.00$50.001/24/2010 5:41:27 PM
shawnw2$48.05$48.051/25/2010 9:43:18 AM
lucrative-loan$100.00$100.001/25/2010 5:40:59 PM
piter-to-la-investment$50.00$50.001/26/2010 11:59:19 AM
penny-surgeon$25.00$25.001/26/2010 1:49:09 PM
lender12345$100.00$100.001/26/2010 6:36:39 PM
orange-pound-party$50.00$50.001/26/2010 8:28:21 PM
bondhedger$25.00$25.001/26/2010 10:16:20 PM
CashFlow13$1,000.00$929.181/26/2010 9:32:24 PM
atomantic$75.00$75.001/27/2010 7:20:40 AM
shawnw2$75.00$75.001/27/2010 7:47:00 AM
44 bids