Sales Report:Supplement No. 143 dated Feb 24, 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 416970
This series of Notes was issued and sold upon the funding of the borrower loan #40955, 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:  Feb-16-2010 
  Auction end date:  Feb-23-2010 
 
Starting lender yield: 3.52% Starting borrower rate/APR: 4.52% / 4.85% Starting monthly payment: $29.76
Final lender yield: 3.25% Final borrower rate/APR: 4.25% / 4.58% Final monthly payment: $29.64
 
Auction yield range: 3.05% - 3.52% Estimated loss impact: 0.59%  
Lender servicing fee: 1.00% Estimated return: 2.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2003 Debt/Income ratio: 5%
Basic (1-10): 10 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:6y 8m
Credit score: 740-759 (Jan-2010) Total credit lines: 11 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $21Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dammage Borrower's state: NewYork Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
740-759 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Reinvest in Prosper
Trying to get a very low interest rate to reinvest in A's and AA's.

I should be able to make a small percentage plus help the prosper program with a loan.

I'm hoping to get this down to 4%. I'm a proven borrower and lender.

Thanks,

Jason
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)
hilsoon$25.00$25.002/19/2010 4:15:27 PM
BURNERA_1$75.00$75.002/20/2010 6:35:08 AM
Oak-Parker$25.00$25.002/21/2010 3:09:37 PM
bfn311$25.00$25.002/21/2010 8:03:34 AM
best-generosity-financier$25.00$25.002/21/2010 6:14:29 PM
felicity-loyalist0$40.00$40.002/21/2010 4:03:09 PM
natedog666$50.00$50.002/22/2010 10:49:48 AM
anacho4me$25.00$25.002/22/2010 10:55:44 AM
loanman2007$100.00$100.002/17/2010 5:35:43 AM
gpuck$25.00$25.002/18/2010 10:20:07 AM
uvumf$25.00$25.002/19/2010 4:12:57 PM
AsianDragon$1,000.00$385.002/20/2010 1:39:46 PM
investor1234$25.00$25.002/21/2010 1:54:13 AM
nimcha$50.00$50.002/21/2010 6:55:24 AM
SanJoser$25.00$25.002/21/2010 5:59:51 PM
sinner_c5$25.00$25.002/22/2010 2:17:19 PM
dbanwart$50.00$50.002/23/2010 4:04:13 AM
17 bids
 
Borrower Payment Dependent Notes Series 445554
This series of Notes was issued and sold upon the funding of the borrower loan #40981, 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:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 14.99% Starting borrower rate/APR: 15.99% / 18.17% Starting monthly payment: $175.76
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $159.46
 
Auction yield range: 4.06% - 14.99% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1995 Debt/Income ratio: 42%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 12Length of status:1y 7m
Credit score: 760-779 (Jan-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,694Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Loan-trust25 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
Debt free for me
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 take my credit seriously. I worked hard to build up my credit to what it is today,
and continue?to?pay all my bills on time. I am an active lender in the prosper community, but with the recent hikes in credit card rates,
I haven't been able to invest as much anymore.? I do have enough for payments but looking for lower rates to pay them off faster
so I can continue to re-invest.
Information in the Description is not verified.
Friends And Family Winning Bids
dvsmoney has bid a total of $213.35 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)
dvsmoney$213.35$213.352/8/2010 10:19:47 AM
Havana21$25.00$25.002/8/2010 10:39:45 AM
supreme-bonus0$25.00$25.002/8/2010 10:30:19 AM
blooming-market$25.00$25.002/8/2010 10:45:58 AM
BlindJoeDeath$25.00$25.002/8/2010 10:46:49 AM
aasx1108$25.00$25.002/8/2010 10:36:57 AM
nojoke411$25.00$25.002/8/2010 10:43:31 AM
gold-commander0$50.00$50.002/8/2010 10:46:17 AM
yield-lion$25.00$25.002/8/2010 10:56:20 AM
profitable-asset1$25.00$25.002/8/2010 10:48:24 AM
fishintime$25.00$25.002/8/2010 10:58:07 AM
MarcusOcean$25.00$25.002/8/2010 10:52:57 AM
inspired-contract9$25.00$25.002/8/2010 10:53:50 AM
Phantom99$25.00$25.002/8/2010 10:51:35 AM
bokonon$25.00$25.002/8/2010 10:51:52 AM
LifeOfLearning$25.00$25.002/8/2010 11:18:16 AM
bruce3504$25.00$25.002/8/2010 10:52:10 AM
dime-beeper$25.00$25.002/8/2010 10:52:45 AM
payout-point$50.00$50.002/8/2010 10:53:33 AM
life-is-great$25.00$25.002/8/2010 10:56:11 AM
wampum-chorus3$25.00$25.002/8/2010 10:56:53 AM
natural-greenback6$25.00$25.002/8/2010 10:57:43 AM
danerman$50.00$50.002/8/2010 11:24:58 AM
dollardave$200.00$200.002/8/2010 11:34:18 AM
dollardave$200.00$200.002/8/2010 11:37:23 AM
emunah6$25.00$25.002/8/2010 4:56:56 PM
Auburnmist$25.00$25.002/8/2010 6:25:41 PM
Rick7925$25.00$25.002/8/2010 6:34:51 PM
kenji4861$25.00$25.002/8/2010 6:30:31 PM
the-aggresive-principal$25.00$25.002/8/2010 6:31:50 PM
intently$25.00$25.002/8/2010 6:38:32 PM
TennSquire$25.00$25.002/8/2010 6:39:08 PM
kindness-percolator5$25.00$25.002/8/2010 6:37:38 PM
LandE2BG$25.00$25.002/8/2010 6:38:41 PM
macjp123$25.00$25.002/8/2010 6:38:53 PM
benefit-squirrel$30.00$30.002/8/2010 6:43:53 PM
orange-courageous-dedication$30.00$30.002/8/2010 6:44:06 PM
lloyd_s$25.00$23.782/8/2010 6:44:44 PM
forthright-dedication$50.00$50.002/8/2010 6:40:48 PM
wampum-reaction2$25.00$25.002/8/2010 6:40:36 PM
credit-solstice$25.00$25.002/8/2010 6:42:33 PM
friendly-worth3$25.00$25.002/8/2010 6:43:04 PM
industrious-dedication$25.00$25.002/8/2010 6:43:45 PM
SCD$25.00$25.002/8/2010 9:02:11 PM
springpanda$25.00$25.002/8/2010 10:12:47 PM
bondhedger$25.00$25.002/9/2010 7:39:36 AM
Cherrypicker$50.00$50.002/10/2010 1:00:37 PM
stemper$50.00$50.002/10/2010 6:30:34 PM
Richmp412$25.00$25.002/12/2010 7:54:30 AM
BankofBeth$25.00$25.002/11/2010 5:48:36 PM
bossyboots01$25.00$25.002/12/2010 3:20:39 AM
scotty61$33.73$33.732/12/2010 11:54:17 AM
smarva$25.00$25.002/12/2010 7:18:22 AM
nethawk00$25.00$25.002/12/2010 1:24:34 PM
Speedfreak$25.00$25.002/12/2010 7:40:37 PM
phchristensen$50.00$50.002/12/2010 6:20:56 PM
NoNameLender$50.00$50.002/12/2010 6:34:21 PM
pjnala1$50.00$50.002/12/2010 7:21:06 PM
dhallii$40.00$40.002/13/2010 6:55:06 AM
RandyL3$25.00$25.002/13/2010 7:38:00 AM
niq4soccer$25.00$25.002/13/2010 10:13:13 AM
JerryB96$25.00$25.002/13/2010 8:39:08 PM
rmpedi33$100.00$100.002/13/2010 5:01:53 PM
Boinky00$50.00$50.002/14/2010 1:47:13 PM
wild-orange$25.00$25.002/15/2010 4:36:17 AM
icon7$25.00$25.002/15/2010 5:29:16 AM
persistent-value3$36.14$36.142/15/2010 5:59:32 AM
HomerdohNY$25.00$25.002/15/2010 9:36:28 AM
OGS_Capital$25.00$25.002/15/2010 8:38:01 AM
catalystcf$25.00$25.002/15/2010 8:30:57 AM
friendinmoney$25.00$25.002/15/2010 9:40:21 AM
radforj22$25.00$25.002/8/2010 10:17:05 AM
Vegasjim$25.00$25.002/8/2010 10:44:14 AM
trade-trumpet$25.00$25.002/8/2010 10:44:58 AM
highcountry1$25.00$25.002/8/2010 10:45:48 AM
head$25.00$25.002/8/2010 10:47:20 AM
rock-turner$50.00$50.002/8/2010 10:43:17 AM
Interloper$40.00$40.002/8/2010 10:51:01 AM
mistertao$25.00$25.002/8/2010 10:52:25 AM
supreme-hope$25.00$25.002/8/2010 10:45:39 AM
GoldenTrout$25.00$25.002/8/2010 10:44:26 AM
Hexnut$25.00$25.002/8/2010 10:45:15 AM
thegreatone$100.00$100.002/8/2010 10:55:18 AM
PocketAces$25.00$25.002/8/2010 10:55:34 AM
flexible-value$25.00$25.002/8/2010 10:48:15 AM
plentiful-reward$50.00$50.002/8/2010 10:46:27 AM
chairsitter$25.00$25.002/8/2010 10:47:01 AM
reflective-cash0$100.00$100.002/8/2010 10:49:24 AM
OCedHrt$25.00$25.002/8/2010 10:57:28 AM
red-favorable-basis$25.00$25.002/8/2010 10:47:37 AM
gracej$25.00$25.002/8/2010 10:50:06 AM
auction-elvis$25.00$25.002/8/2010 10:54:46 AM
community-pipeline$25.00$25.002/8/2010 10:55:04 AM
calm-deal7$25.00$25.002/8/2010 10:53:08 AM
Artist_Blue$25.00$25.002/8/2010 10:54:10 AM
twirl2$25.00$25.002/8/2010 10:56:04 AM
djc314$25.00$25.002/8/2010 10:56:39 AM
tsui517$25.00$25.002/8/2010 10:57:07 AM
Supernick$25.00$25.002/8/2010 6:25:53 PM
anakinsolo$25.00$25.002/8/2010 6:20:04 PM
GlobalVisionary$25.00$25.002/8/2010 6:32:52 PM
unk1911$25.00$25.002/8/2010 6:28:18 PM
riproaringrapids$25.00$25.002/8/2010 6:29:14 PM
lean-velocity$25.00$25.002/8/2010 6:30:37 PM
DonaldColorado$25.00$25.002/8/2010 6:30:39 PM
peso-colonel$90.00$90.002/8/2010 6:30:57 PM
skuba$25.00$25.002/8/2010 6:31:22 PM
kulender$25.00$25.002/8/2010 6:37:08 PM
egw$25.00$25.002/8/2010 6:32:08 PM
theprince$25.00$25.002/8/2010 6:37:28 PM
social-conductor4$25.00$25.002/8/2010 6:38:19 PM
divemaster$25.00$25.002/8/2010 6:33:52 PM
taylor883$25.00$25.002/8/2010 6:34:59 PM
orgy63$25.00$25.002/8/2010 6:40:57 PM
commerce-voyager$25.00$25.002/8/2010 6:36:44 PM
durability-halibut$25.00$25.002/8/2010 6:41:29 PM
progressive-asset$100.00$100.002/8/2010 6:41:37 PM
niskyfranchise$25.00$25.002/8/2010 6:42:47 PM
nourishing-interest0$25.00$25.002/8/2010 6:39:45 PM
personal-lender$25.00$25.002/8/2010 6:44:13 PM
Kaj$25.00$25.002/8/2010 6:44:26 PM
cvfriend$25.00$25.002/8/2010 6:39:18 PM
LiquidLender$25.00$25.002/8/2010 6:41:11 PM
THREE-POINTS-LENDING$25.00$25.002/8/2010 6:41:52 PM
bold-bright-currency$25.00$25.002/8/2010 6:42:25 PM
Fortuno_per_commodo$25.00$25.002/8/2010 6:43:14 PM
auction-turbine4$25.00$25.002/8/2010 6:43:29 PM
mpactlender$25.00$25.002/8/2010 6:42:55 PM
shrewd-asset$25.00$25.002/8/2010 6:53:16 PM
Ven58$25.00$25.002/12/2010 12:49:40 PM
RadarLuv$25.00$25.002/12/2010 10:47:36 AM
mattblizz$50.00$50.002/12/2010 8:22:02 PM
bankojerry$25.00$25.002/12/2010 5:36:47 PM
jalvin$138.00$138.002/13/2010 10:57:52 AM
dollars4loan$75.00$75.002/13/2010 12:10:49 PM
socal-lender$25.00$25.002/13/2010 5:15:14 PM
njmlaj726$25.00$25.002/13/2010 11:13:42 AM
favorite-commerce$25.00$25.002/14/2010 6:25:03 AM
catalystcf$25.00$25.002/14/2010 11:58:42 AM
cash-widget$25.00$25.002/14/2010 10:25:46 PM
important-ore$50.00$50.002/15/2010 8:09:49 AM
141 bids
 
Borrower Payment Dependent Notes Series 445648
This series of Notes was issued and sold upon the funding of the borrower loan #40965, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
Final lender yield: 29.50% Final borrower rate/APR: 30.50% / 32.89% Final monthly payment: $299.08
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 36.23%  
Lender servicing fee: 1.00% Estimated return: -6.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1987 Debt/Income ratio: 49%
Basic (1-10): 1 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 29 / 23Length of status:11y 8m
Credit score: 640-659 (Feb-2010) Total credit lines: 59 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,341Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sunshine0401 Borrower's state: Wisconsin Borrower's group: VETTED BORROWERS
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
PROSPER LOAN- ENDORSED
Purpose of Loan:?
Roll 5 credit cards and 1 installment loan into a single payment, reduce interest, increase flexibility and restart my "rainy day" savings plan.? My goal is to be debt-free (except for mortgage) in?3 years.? This loan will instantly free up $55 monthly and if you provide a lower rate you will accelerate my plan.

Employment and Income:
I am employed by two firms, both provide consistent and stable income.? Full-time job is Medical Transcriptionist for Marshfield Clinic for 11.5 years.? A wonderful opportunity to extend my skills came 1.5 years ago whereas?I also transcribe for EvolveMed part-time.? Working 60-65 hours per week is no problem because I work from home for both and enjoy the flexibility that provides.

My Financial Situation:
Settling down and predictable.? My husband and I divide financial responsibilities between us and we have separate savings accounts.? We are empty nesters.? I have two daughters in their mid-20s, both financially stable.? We recently used $10k of savings when my oldest became a bride.? I have reduced my 401k contribution from 6% to 1% until my debt/savings ratio comes into line.? I also have an employer contributory plan and the pair are valued at $55k.

Monthly Cash Budget (my share):? Full budget detail is shown on my member page.
$2800 Take home pay
$ 798 Fixed Expenses
$ 140 Elective Expenses
$1560 Debt Service
$ 302 Cash available after bills are paid

Please ask questions.?Thank you for the interview!
Information in the Description is not verified.
Friends And Family Winning Bids
gpuck has bid a total of $338.88 in winning bids.
"INVESTAR Lenders recommend this loan. Borrower is well motivated, has an excellent handle on her finances, is making the right decisions. Our interview found her completely honest, very thorough, easy to work with."
BAEVentures has bid a total of $25.00 in winning bids.
"VETTED BORROWERS has verified income from 2009, current employment, credit history via Equifax credit report. We have gone over her budget verified that all debts disclosed on her member page are accurate. This is a sure bet lenders, don't miss out!"
2 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Can't understand why you were rare so low. Is there something you can tell us? And, isn't the rate I see much higher than the rates on your present loans? Thanks. - PeterPsych
A: I don't understand the first question "can't understand why you were rare so low?" Do you mean rated so low? If that is the question, I honestly do not know. I am thinking because of our mortgage being so high compared to the value of our home. We remodeled and refinanced. Also, because of the use of my credit cards possibly? Also, because of my 6 inquiries I think in the past 6 months possibly? I was trying to find somewhere to consolidate and they pulled my credit report each time. (Feb-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
gpuck$250.00$250.002/8/2010 2:40:00 PM
burnfromwithin$25.00$25.002/9/2010 7:00:52 AM
good4loan$25.00$25.002/9/2010 4:06:20 PM
SolarMoonshine$25.00$25.002/9/2010 5:31:28 PM
jlr1516$30.00$30.002/9/2010 7:15:20 PM
loanman2007$300.00$300.002/10/2010 6:21:53 AM
hcnalbdr$80.00$80.002/10/2010 3:25:55 PM
what_goes_around$100.00$100.002/11/2010 3:21:41 AM
mhotchan$200.00$200.002/10/2010 9:25:39 PM
Kash2010lu$35.00$35.002/10/2010 11:31:29 PM
Drivindabus$25.00$25.002/11/2010 10:36:50 AM
Dollars4Rent$25.00$25.002/11/2010 1:22:10 PM
Rulea72$33.09$33.092/12/2010 6:41:42 AM
dunrizzo$36.53$36.532/12/2010 4:29:13 PM
Leshan$53.78$53.782/13/2010 8:40:07 AM
PeterPsych$330.00$330.002/13/2010 11:36:05 AM
Mr_Egret$50.00$50.002/13/2010 12:00:25 PM
aquistoyraul$25.00$25.002/13/2010 8:42:52 PM
Jazzy503$25.00$25.002/13/2010 2:05:30 PM
J-Rott$200.00$200.002/14/2010 7:31:10 AM
reflective-rupee$50.00$50.002/13/2010 6:14:43 PM
dammage$25.00$25.002/14/2010 12:16:31 AM
himistu22$25.00$25.002/14/2010 3:03:45 AM
Kash2010lu$35.00$35.002/14/2010 8:02:28 AM
Jamahl$33.00$33.002/14/2010 9:25:46 AM
clemclan$25.00$25.002/14/2010 6:47:30 PM
lender12345$25.00$25.002/14/2010 12:27:59 PM
reflective-rupee$25.00$25.002/15/2010 9:45:48 AM
credit-coach118$25.00$25.002/15/2010 8:00:33 AM
DaddyBill$25.00$25.002/15/2010 9:52:33 AM
shrewd-income$100.00$100.002/15/2010 8:09:01 AM
mhotchan$200.00$200.002/15/2010 8:59:13 AM
Hobson$30.00$30.002/15/2010 11:55:27 AM
Orion7$46.00$46.002/15/2010 12:27:44 PM
JGuide$300.00$300.002/15/2010 9:40:19 AM
seatown7$41.14$41.142/15/2010 9:48:22 AM
3cinvesting$25.00$25.002/15/2010 10:14:18 AM
JGuide$100.00$100.002/15/2010 9:41:05 AM
supasonic$150.00$150.002/15/2010 10:03:47 AM
roadroamer53$100.00$100.002/15/2010 12:25:43 PM
ore-dojo$25.00$25.002/15/2010 12:28:24 PM
BAEVentures$25.00$25.002/8/2010 12:51:45 PM
bobnewt$100.00$100.002/8/2010 3:01:53 PM
PowerCouple$31.34$31.342/9/2010 8:59:09 AM
houli123$25.00$25.002/9/2010 5:56:36 PM
goffmt$50.00$50.002/11/2010 11:47:05 AM
moola-aficionado6$25.00$25.002/11/2010 6:51:17 PM
reflective-rupee$50.00$50.002/13/2010 6:14:29 PM
reflective-rupee$25.00$25.002/13/2010 6:14:58 PM
explorer925$30.00$30.002/13/2010 6:36:16 PM
PotBellyPete$90.00$90.002/13/2010 6:46:20 PM
Mark-M$40.00$40.002/13/2010 12:49:52 PM
zydeco337$25.00$25.002/13/2010 1:10:06 PM
loss-of-control$25.00$25.002/13/2010 4:32:13 PM
funimuni$25.00$25.002/13/2010 6:41:34 PM
principal-laser$33.27$33.272/14/2010 6:06:01 AM
pious-gold$25.00$25.002/14/2010 8:12:01 AM
Bob450$50.00$50.002/14/2010 8:57:05 AM
Feyenoord$25.00$25.002/14/2010 5:25:52 PM
fairgirl$25.00$25.002/14/2010 7:00:54 PM
Mark-M$25.00$25.002/14/2010 5:03:08 PM
winger66$100.00$100.002/15/2010 4:26:11 AM
sturdy-peace9$75.00$75.002/15/2010 2:40:51 AM
DasMula$100.00$100.002/15/2010 9:22:54 AM
reflective-rupee$25.00$25.002/15/2010 9:45:26 AM
auction-mastery$27.97$27.972/15/2010 10:18:18 AM
quickstep$2,000.00$2,000.002/15/2010 11:35:45 AM
JGuide$100.00$100.002/15/2010 9:40:40 AM
rjsdsu$25.00$25.002/15/2010 9:55:48 AM
Eaglehigh$50.00$50.002/15/2010 11:40:33 AM
PatriotKnight$50.00$50.002/15/2010 11:44:21 AM
foofiter$50.00$50.002/15/2010 11:48:34 AM
gpuck$200.00$88.882/15/2010 11:56:46 AM
five-star-note$250.00$250.002/15/2010 12:27:23 PM
dorypro$25.00$25.002/15/2010 12:16:57 PM
75 bids
 
Borrower Payment Dependent Notes Series 445862
This series of Notes was issued and sold upon the funding of the borrower loan #40974, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $191.92
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $191.36
 
Auction yield range: 4.06% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:6y 8m
Credit score: 760-779 (Feb-2010) Total credit lines: 44 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $401Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-favorite-payment 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
Renovating bathroom in Condo
Purpose of loan:
This loan will be used to renovate my bathroom in my condo.? Right now, mold is?growing because the developers failed to install green?board back in 1989 when the condo was built.?

My financial situation:
I am a good candidate for this loan because I have a full time job.? I have always paid back my loans and have never owed money to anyone. This is one?discipline I learned from?serving in the military. I do not have any credit card debt. Thank you for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DonaldColorado$25.00$25.002/8/2010 12:40:02 PM
kenji4861$25.00$25.002/8/2010 12:40:43 PM
personal-lender$25.00$25.002/8/2010 1:08:00 PM
rolandweary$30.00$30.002/8/2010 1:11:41 PM
supreme-bonus0$25.00$25.002/8/2010 1:06:30 PM
social-conductor4$25.00$25.002/8/2010 1:12:43 PM
lloyd_s$25.00$25.002/8/2010 1:07:41 PM
credit-force5$25.00$25.002/8/2010 1:08:07 PM
theprince$25.00$25.002/8/2010 1:08:16 PM
mlopez2007$50.00$50.002/8/2010 1:08:22 PM
highcountry1$25.00$25.002/8/2010 1:13:56 PM
AF-Chief$28.00$28.002/8/2010 1:08:44 PM
falcon245sp$25.00$25.002/8/2010 1:09:04 PM
BlindJoeDeath$25.00$25.002/8/2010 1:14:15 PM
Havana21$25.00$25.002/8/2010 1:09:27 PM
flexible-value$25.00$25.002/8/2010 1:15:06 PM
reflective-cash0$100.00$100.002/8/2010 1:15:36 PM
peerlender$30.00$30.002/8/2010 1:11:03 PM
dealarella$25.00$25.002/8/2010 1:10:58 PM
bokonon$25.00$25.002/8/2010 1:16:26 PM
commerce-web5$40.00$40.002/8/2010 1:11:19 PM
dollar-birdie$30.00$30.002/8/2010 1:11:29 PM
desertoasis$25.00$25.002/8/2010 1:11:59 PM
AmericanCredit$25.00$25.002/8/2010 1:12:24 PM
GoldenTrout$25.00$25.002/8/2010 1:13:32 PM
plentiful-reward$50.00$50.002/8/2010 1:14:02 PM
dollardave$200.00$200.002/8/2010 1:20:25 PM
profitable-asset1$25.00$25.002/8/2010 1:15:12 PM
klinebarger$25.00$25.002/8/2010 1:15:28 PM
dime-beeper$25.00$25.002/8/2010 1:16:42 PM
calm-deal7$25.00$25.002/8/2010 1:16:50 PM
studious-listing8$25.00$25.002/8/2010 2:07:16 PM
life-is-great$25.00$25.002/8/2010 1:18:31 PM
twirl2$25.00$25.002/8/2010 1:18:30 PM
natural-greenback6$25.00$25.002/8/2010 1:19:04 PM
fishintime$25.00$25.002/8/2010 1:19:36 PM
gold-commander0$42.32$42.322/8/2010 1:31:45 PM
anton$250.00$250.002/8/2010 1:40:01 PM
glimmering-point$25.00$25.002/8/2010 6:25:09 PM
anakinsolo$25.00$25.002/8/2010 6:20:11 PM
new-honorable-rate$25.00$25.002/8/2010 6:29:23 PM
Erogan5877$25.00$25.002/8/2010 6:24:46 PM
Dr_M$25.00$25.002/8/2010 6:26:02 PM
the-aggresive-principal$25.00$25.002/8/2010 6:31:42 PM
rpatusa$25.00$25.002/8/2010 6:26:14 PM
michael573114$25.00$25.002/8/2010 6:27:46 PM
MM1207$25.00$25.002/8/2010 6:28:50 PM
unrivaled-justice$25.00$25.002/8/2010 6:35:54 PM
simpy$25.00$25.002/8/2010 6:36:06 PM
loanfairy$25.00$25.002/8/2010 6:31:02 PM
kindness-percolator5$25.00$25.002/8/2010 6:37:32 PM
GlobalVisionary$25.00$25.002/8/2010 6:32:45 PM
arcangel72$25.00$25.002/8/2010 6:34:15 PM
cvfriend$25.00$25.002/8/2010 6:39:12 PM
hope-hickory$25.00$25.002/8/2010 6:35:06 PM
PeopleHelpers$50.00$50.002/8/2010 6:34:24 PM
atwaterville$50.00$50.002/8/2010 6:34:31 PM
thumper64$35.00$35.002/8/2010 6:35:28 PM
srilm$25.00$25.002/8/2010 6:41:18 PM
friendly-return7$25.00$25.002/8/2010 6:36:15 PM
steamboatgal$25.00$25.002/8/2010 6:42:07 PM
Tavita$25.00$25.002/8/2010 6:37:47 PM
sharkm$29.75$29.752/8/2010 6:43:36 PM
treasure-bliss$100.00$100.002/8/2010 6:39:52 PM
gciarami$25.00$25.002/8/2010 6:39:26 PM
Montello$25.00$25.002/8/2010 6:40:20 PM
orgy63$25.00$25.002/8/2010 6:40:51 PM
Woodworker57$25.00$25.002/8/2010 6:40:15 PM
mpatrick$50.00$50.002/8/2010 6:41:01 PM
progressive-asset$100.00$100.002/8/2010 6:41:31 PM
THREE-POINTS-LENDING$25.00$25.002/8/2010 6:41:47 PM
BumblingStunmbling$25.00$25.002/8/2010 6:41:56 PM
bold-bright-currency$25.00$25.002/8/2010 6:42:18 PM
exchange-cub$25.00$25.002/8/2010 7:54:01 PM
RainMakers$25.00$25.002/11/2010 12:07:06 PM
fairmaiden$25.00$25.002/12/2010 4:53:19 AM
turbospeed$25.00$25.002/12/2010 5:17:28 PM
dollars4loan$100.00$100.002/13/2010 8:43:27 AM
Lender0307$25.00$25.002/14/2010 8:48:02 PM
cu2maro$50.00$50.002/15/2010 11:25:24 AM
credit-panda1$25.00$25.002/15/2010 11:53:00 AM
lean-velocity$25.00$25.002/8/2010 12:41:01 PM
skuba$50.00$50.002/8/2010 1:05:50 PM
commerce-voyager$25.00$25.002/8/2010 1:07:04 PM
radforj22$25.00$25.002/8/2010 1:02:17 PM
friendly-worth3$25.00$25.002/8/2010 1:11:48 PM
wampum-reaction2$25.00$25.002/8/2010 1:12:05 PM
LandE2BG$25.00$25.002/8/2010 1:12:14 PM
meenan$25.00$25.002/8/2010 1:07:31 PM
moola-escalator$50.00$50.002/8/2010 1:08:35 PM
CardCapDude$25.00$25.002/8/2010 1:09:00 PM
bchen78875$50.00$50.002/8/2010 1:10:06 PM
CAGE-Investments$100.00$100.002/8/2010 1:14:55 PM
Cai8899$75.00$75.002/8/2010 1:10:17 PM
delicious-social132$25.00$25.002/8/2010 1:10:31 PM
market-builder$25.00$25.002/8/2010 1:10:20 PM
bowdish1$100.00$100.002/8/2010 1:10:40 PM
Phantom99$25.00$25.002/8/2010 1:16:14 PM
thedoctor$90.00$90.002/8/2010 1:11:15 PM
bruce3504$25.00$25.002/8/2010 1:16:30 PM
MarcusOcean$25.00$25.002/8/2010 1:16:44 PM
Artist_Blue$25.00$25.002/8/2010 1:17:30 PM
forthright-dedication$25.00$25.002/8/2010 1:12:52 PM
red-trade-cologne$25.00$25.002/8/2010 1:12:57 PM
bigballer105$25.00$25.002/8/2010 1:12:59 PM
supreme-hope$25.00$25.002/8/2010 1:13:49 PM
red-favorable-basis$25.00$25.002/8/2010 1:14:42 PM
gracej$25.00$25.002/8/2010 1:15:54 PM
nojoke411$25.00$25.002/8/2010 1:31:43 PM
payout-point$50.00$50.002/8/2010 1:17:04 PM
inspired-contract9$25.00$25.002/8/2010 1:17:12 PM
community-pipeline$25.00$25.002/8/2010 1:17:54 PM
auction-elvis$25.00$25.002/8/2010 1:17:48 PM
djc314$25.00$25.002/8/2010 1:18:38 PM
PocketAces$25.00$25.002/8/2010 1:18:03 PM
wampum-chorus3$25.00$25.002/8/2010 1:18:45 PM
OCedHrt$25.00$25.002/8/2010 1:18:51 PM
Kaj$25.00$25.002/8/2010 1:19:23 PM
dollardave$200.00$200.002/8/2010 1:20:13 PM
jla720$35.00$35.002/8/2010 1:25:17 PM
KLVLOPZ64$25.00$25.002/8/2010 6:25:31 PM
famous-bill$50.00$50.002/8/2010 6:22:01 PM
riproaringrapids$25.00$25.002/8/2010 6:29:04 PM
mizon291$50.00$50.002/8/2010 6:35:16 PM
peso-colonel$90.00$90.002/8/2010 6:30:47 PM
charming-dime$25.00$25.002/8/2010 6:35:40 PM
kchen486$25.00$25.002/8/2010 6:37:03 PM
kulender$25.00$25.002/8/2010 6:37:17 PM
egw$25.00$25.002/8/2010 6:31:59 PM
cardan97$25.00$25.002/8/2010 6:32:34 PM
coin-awakening$26.50$26.502/8/2010 6:33:13 PM
ChicagoBoyz$25.00$25.002/8/2010 6:33:20 PM
bazaar-utensil7$25.00$25.002/8/2010 6:34:20 PM
MarinLoans$50.00$50.002/8/2010 6:33:31 PM
ASR3$25.00$25.002/8/2010 6:33:42 PM
Rick7925$25.00$25.002/8/2010 6:34:42 PM
durability-halibut$25.00$25.002/8/2010 6:41:23 PM
worthy-bid4$25.00$25.002/8/2010 6:36:51 PM
Philkent$25.00$25.002/8/2010 6:37:59 PM
br4444$25.00$25.002/8/2010 6:37:43 PM
intently$25.00$25.002/8/2010 6:38:25 PM
macjp123$25.00$25.002/8/2010 6:38:47 PM
auction-turbine4$25.00$25.002/8/2010 6:43:24 PM
industrious-dedication$25.00$1.292/8/2010 6:43:40 PM
nourishing-interest0$25.00$25.002/8/2010 6:39:36 PM
TennSquire$25.00$25.002/8/2010 6:38:58 PM
billyisafob$25.00$25.002/8/2010 6:40:08 PM
capital_gains$25.00$25.002/8/2010 6:39:58 PM
LiquidLender$25.00$25.002/8/2010 6:41:04 PM
Kulchar$50.00$50.002/8/2010 6:42:16 PM
credit-solstice$25.00$25.002/8/2010 6:42:29 PM
niskyfranchise$25.00$25.002/8/2010 6:42:41 PM
Fortuno_per_commodo$25.00$25.002/8/2010 6:43:10 PM
SCD$25.00$25.002/8/2010 9:01:08 PM
dontscrewmeover1$25.00$25.002/9/2010 5:49:08 PM
grasscutter$100.00$100.002/10/2010 8:11:06 AM
tisiphone$25.00$25.002/10/2010 11:54:09 AM
jackdempsey$100.00$100.002/11/2010 2:00:12 AM
Dollars4Rent$25.00$25.002/11/2010 1:31:48 PM
smarva$25.00$25.002/12/2010 8:57:15 AM
MoneyTree79$45.00$45.002/12/2010 9:23:29 AM
EmeritusX$25.00$25.002/12/2010 11:27:04 AM
heeeley$25.00$25.002/12/2010 2:01:08 PM
OzGuy609$25.00$25.002/13/2010 5:35:21 AM
RandyL3$36.00$36.002/13/2010 2:35:47 PM
persistent-value3$36.14$36.142/15/2010 6:07:14 AM
ore-dojo$50.00$50.002/15/2010 12:31:18 PM
167 bids
 
Borrower Payment Dependent Notes Series 446104
This series of Notes was issued and sold upon the funding of the borrower loan #40977, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Feb-09-2010 
  Auction end date:  Feb-16-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
Final lender yield: 32.85% Final borrower rate/APR: 33.85% / 36.29% Final monthly payment: $334.41
 
Auction yield range: 14.06% - 34.00% Estimated loss impact: 15.51%  
Lender servicing fee: 1.00% Estimated return: 17.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1996 Debt/Income ratio: 14%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:10y 1m
Credit score: 660-679 (Jan-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,371Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: provingmyselftomyself Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
640-659 (Jul-2008)
680-699 (Feb-2007)
 
Principal balance: $197.71 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Additional Work Tools needed
Growing up with a single mom and three siblings life really never was easy. I moved out on my own at age of 14 to better myself.? The lord felt that he would give me the opportunity to prove to myself that I was going to be someone special. After lots of hard work (and yes finishing school) I have a life that I could only dream of.? At the age of 38 I have proven to myself that not only will hard work help you live "comfortable" but that nothing is more valuable than the family I have.I started a business?11 years ago with very little capital?and since it has grown 400% in the last 3 years.? With this growth there are always "cash flow" issues and more equipment needed.? Now I am needing new test equipment and instead of charging this purchase to a credit card I am going to see if any of you will like to help. Thanks for considering my request and your help will be greatly appreciated.? This will be my second loan through Prosper as you can see my repayment of first has been flawless. Since my home mortgage company only reports to Transunion and not Equifax that Prosper uses my Prosper rating has dropped 40 points because it shows I am not a home owner but in fact I am and have been since 1998. So the E score is not acurate.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, what business are you in? Can you provide more details? Thanks. - adventure0
A: Hi Thanks fo looking at y listing. My business mostly is bsed around programming and automation of custom electronics. Lighthing and HVAC and audio.video. Thanks again. (Feb-09-2010)
Q: What sorta business are you in? - payout-backer2
A: Hi Thanks fo looking at y listing. My business mostly is bsed around programming and automation of custom electronics. Lighthing and HVAC and audio.video. Thanks again. (Feb-09-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
inspiring-reward$50.00$50.002/9/2010 4:10:32 PM
shawnw2$50.00$50.002/9/2010 4:48:17 PM
reflective-rupee$50.00$50.002/9/2010 5:01:53 PM
reflective-rupee$50.00$50.002/9/2010 5:02:15 PM
SolarMoonshine$50.00$50.002/9/2010 5:34:57 PM
houli123$25.00$25.002/9/2010 5:58:19 PM
penny-sergeant$25.00$25.002/10/2010 7:54:17 AM
pious-gold$31.22$31.222/10/2010 12:12:57 PM
innovator2$50.00$50.002/10/2010 5:28:50 PM
cashhelp$25.00$25.002/10/2010 6:08:53 PM
Brainworm$25.00$25.002/11/2010 5:52:14 AM
lender12345$25.00$25.002/10/2010 6:32:20 PM
UCLA4life$25.00$25.002/11/2010 12:08:08 AM
bright-exchange$25.00$25.002/11/2010 6:47:24 AM
glroark$100.00$100.002/11/2010 7:00:31 AM
twjh$25.00$25.002/11/2010 5:56:41 AM
zento$25.00$25.002/11/2010 10:55:08 AM
felicity-daydream$50.00$50.002/11/2010 12:09:16 PM
five-star-note$104.24$104.242/11/2010 2:56:47 PM
lucrative-loan$117.64$117.642/12/2010 10:00:20 AM
golffish2$200.00$200.002/12/2010 7:06:18 AM
new-peso-concerto$25.00$25.002/12/2010 7:48:49 AM
Brent_I$25.00$25.002/12/2010 12:35:14 PM
sturdy-fairness5$25.00$25.002/13/2010 6:43:23 AM
shawnw2$171.41$171.412/13/2010 7:43:36 AM
golffish2$200.00$200.002/13/2010 7:51:28 AM
reflective-rupee$25.00$25.002/13/2010 9:45:06 AM
harddollars$50.00$50.002/13/2010 12:31:37 PM
barkochva$25.00$25.002/13/2010 9:07:44 PM
adventure0$50.00$50.002/14/2010 1:09:43 PM
Dollars4Rent$25.00$25.002/14/2010 8:32:11 AM
clemclan$25.00$25.002/14/2010 6:52:36 PM
paradiseinvestor$50.00$50.002/15/2010 10:10:34 AM
Marfloogan$25.00$25.002/15/2010 4:21:56 PM
Your_Bank$25.00$25.002/15/2010 5:27:31 PM
farmn$25.00$25.002/15/2010 6:11:33 PM
natural-greenback6$825.00$825.002/15/2010 7:01:42 PM
principal-triumph$50.00$50.002/15/2010 1:04:23 PM
fund-secret-agent$25.00$25.002/15/2010 1:29:50 PM
AlphaInternational$25.00$25.002/16/2010 3:38:00 AM
jules3304$25.00$25.002/16/2010 7:06:24 AM
autumn_leaves$25.00$25.002/16/2010 7:31:23 AM
loss-of-control$25.00$25.002/15/2010 5:29:15 PM
Philman$25.00$25.002/15/2010 9:43:14 PM
fund-dragster$83.11$83.112/16/2010 12:47:51 AM
golffish2$200.00$200.002/16/2010 4:07:22 AM
worthy-bid4$25.00$25.002/16/2010 6:46:52 AM
autumn_leaves$25.00$25.002/16/2010 7:30:32 AM
Gaelicman$100.00$100.002/16/2010 7:55:49 AM
credit-coach118$25.00$25.002/16/2010 8:35:20 AM
113121$150.00$150.002/16/2010 9:38:30 AM
Gobsek$25.00$25.002/16/2010 11:49:35 AM
Aberdeen$300.00$300.002/16/2010 11:12:57 AM
umfan123$46.31$46.312/16/2010 12:48:23 PM
sturdy-peace9$50.00$50.002/16/2010 12:20:01 PM
gelt4u$25.00$25.002/16/2010 12:42:04 PM
cunning-bill$25.00$25.002/16/2010 3:58:22 PM
fireferd$43.38$43.382/16/2010 2:27:23 PM
Leshan$100.00$100.002/16/2010 2:49:07 PM
credit-missile$100.00$100.002/16/2010 3:21:08 PM
shrewd-income$25.00$25.002/16/2010 3:49:06 PM
Engineer44$33.76$11.972/16/2010 4:01:37 PM
ekmendenhall$35.00$35.002/9/2010 4:23:06 PM
lucrative-loan$82.36$82.362/9/2010 5:01:23 PM
reflective-rupee$50.00$50.002/9/2010 5:02:05 PM
Peterman$50.00$50.002/9/2010 8:28:56 PM
new-smart-fund$200.00$200.002/9/2010 7:04:21 PM
Bob450$50.00$50.002/9/2010 8:06:20 PM
golffish2$200.00$200.002/10/2010 5:43:56 AM
dt_one$25.00$25.002/10/2010 10:57:48 AM
CA_Lender$25.00$25.002/10/2010 3:50:47 PM
GreenNotes$36.00$36.002/10/2010 5:05:14 PM
MoneyForNothing$25.00$25.002/10/2010 9:58:03 PM
wise-courageous-social$100.00$100.002/10/2010 6:36:26 PM
FL-Lender$25.00$25.002/10/2010 5:19:01 PM
twjh$25.00$25.002/11/2010 4:30:34 AM
Ronnieboy888$25.00$25.002/10/2010 9:35:57 PM
Kash2010lu$35.00$35.002/10/2010 11:34:48 PM
dynrep$50.00$50.002/11/2010 11:03:13 AM
rakey$25.00$25.002/11/2010 3:22:50 PM
The-Lighthouse-Group$25.00$25.002/11/2010 1:42:09 PM
integrity-doctor$50.00$50.002/11/2010 2:54:22 PM
new-truth-chuckler$25.00$25.002/12/2010 10:02:59 AM
CoolPlexer$25.00$25.002/12/2010 12:22:41 PM
enthusiastic-capital1$28.37$28.372/12/2010 6:36:44 AM
sophisticated-ore$250.00$250.002/12/2010 6:51:56 AM
pietro_torna_indietro$50.00$50.002/12/2010 1:58:33 PM
MrRooster101$25.00$25.002/12/2010 4:53:56 PM
charming-point$300.00$300.002/13/2010 9:43:36 AM
vine99$45.00$45.002/13/2010 11:38:31 AM
LEO_B$25.00$25.002/14/2010 5:49:41 AM
Whipster$25.00$25.002/14/2010 5:17:57 AM
EEasyMoney$25.00$25.002/14/2010 12:46:38 PM
eronyc$25.00$25.002/15/2010 9:48:04 AM
Champion_Lending$25.00$25.002/15/2010 1:59:11 PM
himistu22$25.00$25.002/15/2010 1:33:23 PM
IASKGOD$25.00$25.002/15/2010 4:19:45 PM
increase720$25.00$25.002/15/2010 4:15:52 PM
SFBank$200.00$200.002/15/2010 4:56:39 PM
invincible-gain$125.00$125.002/15/2010 6:14:59 PM
lifelongreds$50.00$50.002/15/2010 6:43:14 PM
jerrymaguire$25.00$25.002/16/2010 6:47:25 AM
The-CAPS-fan$50.00$50.002/16/2010 6:59:31 AM
unk1911$25.00$25.002/16/2010 7:26:01 AM
AF-Chief$28.00$28.002/16/2010 7:34:04 AM
oldboter$50.00$50.002/16/2010 8:45:49 AM
preventivepestcontrol$100.00$100.002/16/2010 10:44:42 AM
hamster$25.99$25.992/16/2010 10:47:26 AM
shawnw2$75.00$75.002/16/2010 11:25:13 AM
principal-triumph$25.00$25.002/16/2010 2:28:03 PM
epic-payout$50.00$50.002/16/2010 12:42:36 PM
ultimate-peace$100.00$100.002/16/2010 2:34:55 PM
Bobusa$25.00$25.002/16/2010 1:17:36 PM
unger$50.00$50.002/16/2010 3:56:45 PM
wealth-pipeline$25.00$25.002/16/2010 2:22:38 PM
113121$100.00$100.002/16/2010 3:17:36 PM
116 bids
 
Borrower Payment Dependent Notes Series 446288
This series of Notes was issued and sold upon the funding of the borrower loan #40980, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 13.05% Starting borrower rate/APR: 14.05% / 16.21% Starting monthly payment: $205.21
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $204.63
 
Auction yield range: 6.06% - 13.05% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1990 Debt/Income ratio: 25%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:3y 5m
Credit score: 720-739 (Feb-2010) Total credit lines: 23 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $4,617Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kin1 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off Credit Cards.? With the new laws Credit Cards are going from single diget APR's to double.? I have one that tells me to check the national APR at the end of each month and that is what my APR will be.? I've had enough I want to pay them all off!? With this loan at a smaller APR.

My financial situation:
I am a good candidate for this loan because I'm making all my payment with no problem I'm just not going to give my hard erned money to some Credit Card Compay because of some stupid law changes and because they can.
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)
riproaringrapids$25.00$25.002/10/2010 4:11:51 PM
AF-Chief$27.00$27.002/10/2010 4:12:57 PM
natural-greenback6$25.00$25.002/10/2010 4:11:20 PM
skuba$25.00$25.002/10/2010 4:12:24 PM
radforj22$25.00$25.002/10/2010 4:20:44 PM
sophisticated-ore$200.00$200.002/10/2010 4:19:33 PM
bold-bright-currency$25.00$25.002/10/2010 4:26:37 PM
credit-solstice$25.00$25.002/10/2010 4:26:43 PM
red-favorable-basis$25.00$25.002/10/2010 4:21:44 PM
auction-turbine4$25.00$25.002/10/2010 4:27:06 PM
Kaj$25.00$25.002/10/2010 4:27:35 PM
Rick7925$25.00$25.002/10/2010 4:24:13 PM
inspired-contract9$25.00$25.002/10/2010 4:22:48 PM
PocketAces$25.00$25.002/10/2010 4:23:04 PM
kulender$25.00$25.002/10/2010 4:24:42 PM
MM1207$25.00$25.002/10/2010 4:28:27 PM
kindness-percolator5$25.00$25.002/10/2010 4:25:00 PM
Cai8899$50.00$50.002/10/2010 4:29:12 PM
currency-agave$25.00$25.002/10/2010 4:25:52 PM
orgy63$25.00$25.002/10/2010 4:26:08 PM
commerce-voyager$25.00$25.002/10/2010 4:24:28 PM
loan-master996$50.00$50.002/10/2010 4:30:02 PM
friendly-worth3$25.00$25.002/10/2010 4:26:57 PM
macjp123$25.00$25.002/10/2010 4:25:23 PM
personal-lender$25.00$25.002/10/2010 4:27:29 PM
progressive-asset$100.00$100.002/10/2010 4:26:20 PM
life-is-great$25.00$25.002/10/2010 4:26:31 PM
niskyfranchise$25.00$25.002/10/2010 4:26:47 PM
Clambake$50.00$50.002/10/2010 4:32:50 PM
xstreamin$25.00$25.002/10/2010 4:32:54 PM
ThomasCrown$30.00$30.002/10/2010 4:32:57 PM
benefit-squirrel$30.00$30.002/10/2010 4:27:10 PM
lloyd_s$25.00$25.002/10/2010 4:27:44 PM
bonafide-cash$50.00$50.002/10/2010 4:33:52 PM
dollar-birdie$25.00$25.002/10/2010 4:30:15 PM
time4aloan$50.00$50.002/10/2010 4:28:00 PM
Maalot20$25.00$25.002/10/2010 4:34:18 PM
Speculator$50.00$50.002/10/2010 4:28:48 PM
tedsrfdude$25.00$25.002/10/2010 4:30:49 PM
paymentologist$25.00$25.002/10/2010 4:31:02 PM
punctual-power7$25.00$25.002/10/2010 4:31:11 PM
important-ore$50.00$50.002/10/2010 4:29:02 PM
kaiger$25.00$25.002/10/2010 4:34:58 PM
credit-kahuna$100.00$100.002/10/2010 4:31:24 PM
elevated-platinum5$50.00$50.002/10/2010 4:29:17 PM
hitsman$50.00$50.002/10/2010 4:31:33 PM
flopcat$25.00$25.002/10/2010 4:31:49 PM
psztnrw$100.00$100.002/10/2010 4:29:46 PM
brazilofmux$100.00$100.002/10/2010 4:31:53 PM
trumpeter5$25.00$25.002/10/2010 4:32:00 PM
dmfog$25.00$25.002/10/2010 4:32:28 PM
crazycool$25.00$25.002/10/2010 4:32:37 PM
kanakakm$25.00$25.002/10/2010 4:30:29 PM
bill-expert$25.00$25.002/10/2010 4:30:52 PM
Carpetkid$25.00$25.002/10/2010 4:33:13 PM
anders94$25.00$25.002/10/2010 4:33:22 PM
Pizza-man$50.00$50.002/10/2010 4:31:16 PM
djindepth$25.00$25.002/10/2010 4:33:59 PM
duty-monger$50.00$50.002/10/2010 4:31:42 PM
klinebarger$25.00$25.002/10/2010 4:31:45 PM
Katahdin$25.00$25.002/10/2010 4:34:20 PM
selfmademan$25.00$25.002/10/2010 4:34:28 PM
bnlforever$25.00$25.002/10/2010 4:34:31 PM
peaceful-return2$25.00$25.002/10/2010 4:34:42 PM
Prosp_Lender$50.00$50.002/10/2010 4:32:22 PM
durability-mad-scientist4$100.00$100.002/10/2010 4:32:47 PM
reward-adventure$25.00$25.002/10/2010 4:33:09 PM
newgroom422$25.00$25.002/10/2010 4:33:36 PM
jigsaw$100.00$100.002/10/2010 4:33:49 PM
Ranch88$25.00$25.002/10/2010 4:34:10 PM
zippy-interest$25.00$25.002/10/2010 4:35:01 PM
wwwUniversal$25.00$25.002/10/2010 5:35:56 PM
jetblack$50.00$50.002/11/2010 12:00:13 PM
orbiter614$50.00$50.002/11/2010 3:57:06 PM
Oakland$50.00$50.002/13/2010 12:42:30 PM
brightest-dignified-penny$25.00$25.002/15/2010 4:32:57 PM
preventivepestcontrol$50.00$50.002/16/2010 10:48:05 AM
Bizern$25.75$25.752/16/2010 11:38:26 AM
Astyanax$25.00$25.002/16/2010 2:52:17 PM
kf88$25.00$25.002/16/2010 4:30:10 PM
glimmering-credit4$25.00$25.002/16/2010 9:31:37 PM
LibbyZ$50.00$50.002/17/2010 7:38:55 AM
blissful-note7$25.00$25.002/17/2010 4:19:15 AM
scientists$25.00$25.002/17/2010 10:35:06 AM
mykeystoy$25.00$25.002/17/2010 7:38:46 AM
wild-orange$25.00$25.002/17/2010 12:33:50 PM
broomfieldbucks$25.00$25.002/17/2010 1:52:47 PM
mpatrick$50.00$50.002/10/2010 4:12:42 PM
rpatusa$25.00$25.002/10/2010 4:11:32 PM
honorable-yield$50.00$50.002/10/2010 4:19:11 PM
calm-deal7$25.00$25.002/10/2010 4:22:42 PM
OCedHrt$25.00$25.002/10/2010 4:23:15 PM
desertoasis$50.00$50.002/10/2010 4:23:42 PM
peso-colonel$90.00$90.002/10/2010 4:23:49 PM
cash-queen$30.00$30.002/10/2010 4:24:09 PM
theprince$25.00$25.002/10/2010 4:24:52 PM
supreme-bonus0$25.00$25.002/10/2010 4:21:08 PM
supreme-hope$25.00$25.002/10/2010 4:21:51 PM
flexible-value$25.00$25.002/10/2010 4:22:03 PM
orange-courageous-dedication$30.00$30.002/10/2010 4:27:17 PM
reflective-cash0$100.00$100.002/10/2010 4:22:08 PM
value-pole$25.00$25.002/10/2010 4:27:53 PM
rooosta$25.00$25.002/10/2010 4:28:08 PM
fishintime$25.00$25.002/10/2010 4:23:23 PM
LandE2BG$25.00$25.002/10/2010 4:25:18 PM
jga516$25.00$25.002/10/2010 4:24:21 PM
inspiring-reward$50.00$50.002/10/2010 4:29:35 PM
forthright-dedication$50.00$50.002/10/2010 4:26:02 PM
LiquidLender$25.00$25.002/10/2010 4:26:14 PM
social-conductor4$25.00$25.002/10/2010 4:25:11 PM
integrity-doctor$50.00$50.002/10/2010 4:30:20 PM
TennSquire$25.00$25.002/10/2010 4:25:29 PM
cvfriend$25.00$25.002/10/2010 4:25:37 PM
nourishing-interest0$25.00$25.002/10/2010 4:25:44 PM
felicity-synapse$25.00$25.002/10/2010 4:31:09 PM
E_G$30.00$30.002/10/2010 4:31:21 PM
wampum-reaction2$25.00$25.002/10/2010 4:25:58 PM
wayman$50.00$50.002/10/2010 4:31:29 PM
peerlender$30.00$30.002/10/2010 4:31:57 PM
commerce-web5$25.00$25.002/10/2010 4:32:06 PM
gulch$25.00$25.002/10/2010 4:32:18 PM
The-CAPS-fan$30.00$30.002/10/2010 4:32:43 PM
kmr2$100.00$100.002/10/2010 4:28:55 PM
tom48l$25.00$25.002/10/2010 4:33:06 PM
intrepid-transaction5$25.00$25.002/10/2010 4:29:28 PM
gjh37$25.00$25.002/10/2010 4:33:45 PM
seangw83$25.00$25.002/10/2010 4:34:16 PM
MrDavid$25.00$25.002/10/2010 4:30:26 PM
jrbill1998$50.00$50.002/10/2010 4:30:35 PM
delicious-social132$25.00$25.002/10/2010 4:28:43 PM
upbeat-investment9$25.00$25.002/10/2010 4:30:42 PM
30Sky$25.00$25.002/10/2010 4:34:50 PM
market-path$50.00$50.002/10/2010 4:35:06 PM
impeccable-transparency$75.00$75.002/10/2010 4:29:23 PM
balance6$25.00$25.002/10/2010 4:29:41 PM
bchen78875$25.00$25.002/10/2010 4:32:11 PM
mtquan$25.00$25.002/10/2010 4:29:58 PM
loan-warrior$25.00$25.002/10/2010 4:30:09 PM
aventurer$25.00$25.002/10/2010 4:32:25 PM
larrybird$100.00$100.002/10/2010 4:32:32 PM
maldok1$25.00$25.002/10/2010 4:30:57 PM
luckyldy$35.00$35.002/10/2010 4:33:31 PM
tntbuzz$25.00$25.002/10/2010 4:33:40 PM
torion$25.00$25.002/10/2010 4:34:04 PM
BigBoy2008$25.00$25.002/10/2010 4:34:37 PM
one-midas$25.00$25.002/10/2010 4:35:04 PM
commitment-forte6$25.00$25.002/10/2010 4:32:40 PM
hyetech$35.00$35.002/10/2010 4:33:02 PM
bowdish1$100.00$100.002/10/2010 4:33:17 PM
cpaphoto$25.00$25.002/10/2010 4:33:26 PM
zento$25.00$25.002/10/2010 4:40:19 PM
invest0r$25.00$25.002/10/2010 4:34:25 PM
harmonious-revenue7$25.00$25.002/10/2010 4:34:34 PM
top-silver-american$25.00$25.002/10/2010 4:34:45 PM
Archchancellor$25.00$25.002/10/2010 4:34:54 PM
Aimvest$25.00$2.252/10/2010 4:35:09 PM
impartial-deal$25.00$25.002/11/2010 3:38:55 PM
Sol_Invictus$25.00$25.002/13/2010 4:35:19 AM
balance-chestnut$50.00$50.002/15/2010 6:10:46 PM
serene-capital$25.00$25.002/16/2010 12:48:48 AM
Lender0307$25.00$25.002/16/2010 7:02:05 PM
Jumping_Jedi$25.00$25.002/16/2010 11:21:05 PM
sparkmeister$25.00$25.002/17/2010 7:38:48 AM
jybank$25.00$25.002/16/2010 10:24:44 PM
myduck$75.00$75.002/17/2010 8:49:06 AM
SnakeV$25.00$25.002/17/2010 10:44:43 AM
dollar-sensor$25.00$25.002/17/2010 12:39:52 PM
friendinmoney$25.00$25.002/17/2010 3:39:08 PM
168 bids
 
Borrower Payment Dependent Notes Series 446302
This series of Notes was issued and sold upon the funding of the borrower loan #40964, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Feb-16-2010 
  Auction end date:  Feb-23-2010 
 
Starting lender yield: 23.69% Starting borrower rate/APR: 24.69% / 26.99% Starting monthly payment: $395.96
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 23.25% Final monthly payment: $376.75
 
Auction yield range: 8.05% - 23.69% Estimated loss impact: 8.47%  
Lender servicing fee: 1.00% Estimated return: 11.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2002 Debt/Income ratio: 23%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:3y 2m
Credit score: 700-719 (Feb-2010) Total credit lines: 24 Occupation: Architect
Now delinquent: 0 Revolving credit balance: $9,608Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: poetic-return9 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
Fighting back against banks!
Purpose of this loan:
I am simply trying to pay off and consolidate my high interest rate credit cards, but more importantly I am motivated to fight back against banks and their abusive credit card practices. ?Even though new consumer protection regulations have recently become law, many of you have probably either received or know of someone who has received an inexplicable and completely unjustified credit card rate increase over the past year.? The banks try to hide the rate increase in fine print in an otherwise innocent letter, and then they act aloof and put you on hold for 30 minutes when you call seeking an explanation! ?Undeniably this is foul play, and utterly unethical business practice.? Prosper is an incredibly powerful system for fighting this abuse, and I want to participate in promoting this wonderful alternative.? Obviously I am starting as a borrower, but I hope to eventually become a lender and help others as soon as I can.???

My financial situation:
I am an architect and I?ve been securely employed for three years by one of the largest real estate development firms in the country.? Our firm is extremely diversified, so we?ve been able to continue development at a fast pace in this relatively frozen market.? Working for a real estate firm rather than an architecture firm comes with the benefit of higher pay and better job security and I feel like this makes me a great candidate for this loan.? I have eight years of good credit history with only one late payment and that was the result of an error by the postal service.? My expenses are outlined below and are relatively typical except that I don?t have an auto loan because my car is paid off.?

Monthly net income: $4268

Monthly expenses: $1715??
?? Housing: $500.00 (Rent)???
?? Insurance: $0???
?? Car expenses: $0???
?? Utilities: $50??
?? Phone, cable, internet: $70???
?? Food, entertainment: $300.00??
?? Student loans: $275????
?? Clothing, household expenses $100??
?? Credit cards: $420???
?? Other expenses: $0


Thanks for your time and consideration.? Please don't hesitate to ask any 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)
credit-missile$150.00$150.002/21/2010 11:32:27 AM
credit-missile$50.00$50.002/22/2010 8:29:18 AM
cognizant-rate732$50.00$50.002/16/2010 9:16:14 AM
mercuriant$25.00$25.002/16/2010 10:20:18 AM
preventivepestcontrol$100.00$100.002/16/2010 11:17:47 AM
felicity-daydream$75.00$75.002/16/2010 11:17:37 AM
stable-bonus$25.00$25.002/16/2010 2:14:44 PM
reflective-rupee$300.00$300.002/16/2010 10:12:38 PM
foothillender$50.00$50.002/17/2010 6:48:42 AM
grammaspurse$25.00$25.002/17/2010 9:30:13 AM
foxy-community$38.69$38.692/17/2010 9:59:35 AM
TaoPooh$25.00$25.002/17/2010 1:00:43 PM
Spiro$50.00$50.002/17/2010 6:02:25 PM
diligent-moola9$25.00$25.002/17/2010 6:21:45 PM
DannyPhantom$50.00$50.002/17/2010 7:40:39 PM
QsDad$25.00$25.002/18/2010 11:22:59 AM
FinanceEngine$40.00$40.002/18/2010 9:12:48 AM
the-profit-oracle$25.00$25.002/18/2010 2:08:52 PM
krink1$25.00$25.002/19/2010 6:26:28 AM
krink1$50.00$50.002/19/2010 6:27:34 AM
golffish2$100.00$100.002/19/2010 10:45:27 AM
grandson02$25.00$25.002/19/2010 4:13:44 PM
Daubertoo$25.00$25.002/19/2010 4:17:17 PM
mtnsofutah$50.00$50.002/19/2010 4:20:38 PM
perchedeagle$25.00$25.002/19/2010 5:00:56 PM
MicroTeller$66.00$66.002/19/2010 6:59:48 PM
ratzlefrss$50.00$50.002/19/2010 6:10:45 PM
stemper$50.00$50.002/19/2010 8:42:19 PM
truelumen$25.00$25.002/20/2010 4:40:53 AM
MoneyTree79$25.00$25.002/20/2010 8:36:03 AM
debtcollector$100.00$100.002/20/2010 10:19:15 AM
worthy-bid4$47.49$47.492/20/2010 2:12:18 PM
twerns$40.00$40.002/20/2010 3:45:40 PM
SkyLoan$25.00$25.002/20/2010 7:35:10 PM
RyanTH9893$25.00$25.002/20/2010 8:05:53 PM
Pu239$50.00$50.002/20/2010 1:11:41 PM
redrose1518$25.00$25.002/21/2010 6:50:04 AM
Helping-One-Another$25.00$25.002/21/2010 9:26:35 AM
JCM_MN$30.00$30.002/21/2010 6:02:26 AM
special-money$62.96$62.962/21/2010 2:27:37 PM
Techne_Funds_LLC$25.00$25.002/21/2010 4:01:16 PM
nethosters$25.00$25.002/21/2010 5:02:18 PM
smbau06$50.00$50.002/21/2010 10:45:58 AM
rockhound84$25.00$25.002/21/2010 1:27:59 PM
monkeydew$25.00$25.002/21/2010 6:37:52 PM
ihelpunow$50.00$50.002/21/2010 6:37:02 PM
mbf2234$25.00$25.002/22/2010 9:37:11 AM
golffish2$100.00$100.002/22/2010 4:34:00 AM
MSLendingLLC$58.58$58.582/22/2010 9:50:55 AM
betheanswer$50.00$50.002/22/2010 8:27:17 AM
CashBank$25.00$25.002/22/2010 9:12:00 AM
davidrainboy$45.02$45.022/22/2010 8:54:15 AM
schnarff$25.00$25.002/22/2010 11:30:12 AM
Occhy$50.00$50.002/22/2010 9:24:21 AM
uncleubb$26.96$26.962/22/2010 10:24:20 AM
fogo10$250.00$250.002/22/2010 10:54:24 AM
Havnfun$25.00$25.002/22/2010 1:45:33 PM
investment-party$31.70$31.702/22/2010 1:46:15 PM
Midg$25.00$25.002/22/2010 12:03:08 PM
ronin4sale$25.00$25.002/22/2010 1:41:26 PM
justanothersushieater$25.00$25.002/22/2010 1:45:56 PM
nalaari$44.53$44.532/22/2010 3:52:04 PM
Ambassador$50.00$50.002/22/2010 4:33:44 PM
HYGCapitalPartnersLP$100.00$100.002/22/2010 4:53:42 PM
Cashlender1992$25.00$25.002/22/2010 5:04:32 PM
rinyt$30.00$30.002/22/2010 5:16:44 PM
nickel-liberator$54.00$54.002/22/2010 5:26:46 PM
AM2008$25.00$25.002/22/2010 6:54:11 PM
admirable-credit$25.00$25.002/22/2010 7:06:11 PM
leverage-accruer$50.00$50.002/22/2010 9:55:34 PM
Kash2010lu$35.00$35.002/22/2010 6:05:44 PM
forthright-trade$25.00$25.002/22/2010 8:16:10 PM
csa_101824$25.92$25.922/23/2010 2:52:13 AM
charity_fundraiser$100.00$100.002/22/2010 8:11:46 PM
BR-549$25.00$25.002/23/2010 4:21:30 AM
kilpat$28.05$28.052/23/2010 6:26:04 AM
credit-coach118$35.00$35.002/22/2010 9:23:25 PM
Share-the-wealth$100.00$100.002/23/2010 6:38:30 AM
bxdoc$100.00$100.002/23/2010 6:39:56 AM
r1w$25.00$25.002/23/2010 6:44:43 AM
payout-comet$25.00$25.002/23/2010 6:50:02 AM
LibertyCPA$25.00$25.002/22/2010 10:13:31 PM
bitano$25.00$25.002/23/2010 7:17:38 AM
cash-spinner$25.00$25.002/23/2010 7:39:21 AM
exciting-fairness$200.00$200.002/23/2010 7:45:31 AM
Taho$25.00$25.002/23/2010 7:59:26 AM
HQLender06851$25.00$25.002/23/2010 6:03:05 AM
webfeet$25.00$25.002/23/2010 6:08:52 AM
attractive-fund$25.00$25.002/23/2010 6:44:21 AM
Loanliness$25.00$25.002/23/2010 8:59:08 AM
SCRUGZY$25.00$25.002/23/2010 9:02:12 AM
eriqnoodle$25.00$25.002/23/2010 7:33:45 AM
chicagoprosper$50.00$50.002/23/2010 7:45:55 AM
rockhound84$25.00$25.002/23/2010 8:05:38 AM
charming-point$200.00$200.002/23/2010 8:24:56 AM
rate-hickory$25.00$25.002/23/2010 8:31:13 AM
dblakels$25.00$25.002/23/2010 8:59:01 AM
DasMula$25.00$25.002/23/2010 9:06:41 AM
roguewinner$25.00$25.002/23/2010 9:06:27 AM
sociallender$25.00$25.002/16/2010 10:15:33 AM
elegant-loot$25.00$25.002/16/2010 10:15:26 AM
inismor$25.00$25.002/16/2010 10:22:23 AM
simiray$26.00$26.002/16/2010 10:55:26 AM
ksubd$60.00$60.002/16/2010 12:50:33 PM
Bank_Of_XL$50.00$50.002/16/2010 2:25:46 PM
VAGweilo$50.00$50.002/16/2010 3:18:25 PM
SolarMoonshine$100.00$100.002/16/2010 5:32:35 PM
mathgod$25.00$25.002/16/2010 6:03:25 PM
szetheli$156.00$156.002/16/2010 9:43:39 PM
Bob450$50.00$50.002/16/2010 7:50:11 PM
Trakissta$100.00$100.002/16/2010 9:59:08 PM
Sol_Invictus$25.00$25.002/17/2010 5:12:44 AM
Helping-One-Another$25.00$25.002/17/2010 10:26:40 AM
broomfieldbucks$25.00$25.002/17/2010 8:27:51 AM
roadster199$25.00$25.002/17/2010 1:00:46 PM
3613925$25.00$25.002/17/2010 6:39:26 PM
kttalamo$25.00$25.002/17/2010 7:36:14 PM
JustMee$25.00$25.002/18/2010 5:56:24 AM
integrity-doctor$50.00$50.002/18/2010 10:26:05 AM
HarryRoberts$100.00$100.002/18/2010 4:06:55 AM
OGS_Capital$25.00$25.002/18/2010 9:57:10 AM
420limo$25.00$25.002/18/2010 11:22:05 AM
nimble-revenue$25.40$25.402/18/2010 4:43:05 PM
tnjohnso$25.00$25.002/18/2010 4:43:19 PM
juxtapose$25.00$25.002/18/2010 6:06:30 PM
spiff666$25.00$25.002/18/2010 6:39:59 PM
MarcusOcean$50.00$50.002/18/2010 4:53:12 PM
krink1$25.00$25.002/19/2010 6:26:51 AM
krink1$25.00$25.002/19/2010 6:27:17 AM
larryboy10$25.00$25.002/18/2010 7:11:30 PM
platinum-piledriver$30.38$30.382/19/2010 7:01:38 AM
credit-shower$50.00$50.002/18/2010 9:31:54 PM
krink1$25.00$25.002/19/2010 6:26:10 AM
sugybutt$30.00$30.002/19/2010 11:24:35 AM
ds5184$103.06$103.062/19/2010 11:45:43 AM
lucygirl2$50.00$50.002/19/2010 11:54:50 AM
sharp-credit$1,000.00$1,000.002/19/2010 2:58:06 PM
deepblue34$40.00$40.002/19/2010 3:08:54 PM
Ven58$25.00$25.002/19/2010 1:18:51 PM
JBG$25.00$25.002/19/2010 3:17:41 PM
goal-liberty9$100.00$9.652/19/2010 1:53:18 PM
Speedfreak$25.00$25.002/19/2010 4:08:19 PM
Goddess-4-one$25.00$25.002/19/2010 8:04:41 PM
benefit-surfer$25.00$25.002/19/2010 8:14:36 PM
LARRY4NY$25.00$25.002/19/2010 11:30:46 PM
Flyhighboi20$40.74$40.742/20/2010 12:56:16 AM
brilliant-balance$25.00$25.002/19/2010 6:09:09 PM
nalaari$26.29$26.292/20/2010 6:33:36 AM
VBPlayer$35.00$35.002/20/2010 7:33:52 AM
draggon77$25.00$25.002/19/2010 9:18:17 PM
getreadyloans$35.00$35.002/20/2010 3:49:53 AM
Oak-Parker$25.00$25.002/20/2010 8:41:24 AM
vine99$50.00$50.002/20/2010 9:57:02 AM
E-B$50.00$50.002/20/2010 3:45:39 AM
Rulea72$81.99$81.992/20/2010 8:04:20 AM
Top_Gun_Lender$37.73$37.732/20/2010 9:36:35 AM
momentous-gold$25.00$25.002/20/2010 5:04:20 PM
farmn$25.00$25.002/20/2010 5:44:35 PM
DrWill$39.54$39.542/20/2010 7:58:27 PM
thoughtful-investment045$25.00$25.002/20/2010 12:02:33 PM
neighborly-bid$25.00$25.002/21/2010 9:09:17 AM
RyanTH9893$89.09$89.092/20/2010 8:26:44 PM
helpneachother$50.00$50.002/21/2010 7:25:22 AM
GInBaghdad$25.00$25.002/21/2010 2:29:27 PM
Terapin0511$25.00$25.002/21/2010 6:30:52 PM
nashibaksi$25.00$25.002/21/2010 3:22:21 PM
dorfinia$50.00$50.002/21/2010 11:34:26 AM
gothampark$25.00$25.002/21/2010 7:43:56 PM
fakejamaican$25.00$25.002/22/2010 10:08:34 AM
kingston1$25.00$25.002/22/2010 6:55:48 AM
Good_Karma_Cafe$30.23$30.232/22/2010 8:47:30 AM
JnJinvestments$25.00$25.002/22/2010 9:49:57 AM
ConcreteOne$30.00$30.002/22/2010 10:41:29 AM
Astyanax$40.00$40.002/22/2010 1:07:29 PM
bizguy1982$25.00$25.002/22/2010 2:31:30 PM
justme4now$25.00$25.002/22/2010 12:43:24 PM
PotBellyPete$50.00$50.002/22/2010 1:10:05 PM
ddoneday$25.00$25.002/22/2010 4:14:22 PM
Bob450$50.00$50.002/22/2010 3:44:25 PM
LARRY4NY$34.00$34.002/22/2010 4:10:30 PM
investment-cluster$25.00$25.002/22/2010 5:41:42 PM
Loan_shark718$100.00$100.002/22/2010 6:29:51 PM
Crystalprop$25.00$25.002/22/2010 7:05:52 PM
autumn_leaves$25.00$25.002/22/2010 8:46:06 PM
SuperInvestor82$25.00$25.002/22/2010 6:43:16 PM
podosphero$25.00$25.002/22/2010 7:46:32 PM
marinbb$50.00$50.002/22/2010 7:54:23 PM
blLending$25.00$25.002/22/2010 11:41:38 PM
Goddess-4-one$25.00$25.002/22/2010 8:16:23 PM
KlarthXVII$25.00$25.002/22/2010 8:40:57 PM
djkaiser$25.00$25.002/22/2010 8:51:13 PM
autonomous-truth$100.00$100.002/22/2010 9:37:43 PM
dynrep$50.00$50.002/23/2010 7:26:50 AM
genuine-integrity0$150.00$150.002/23/2010 3:31:55 AM
bold-unflappable-market$25.00$25.002/23/2010 5:43:41 AM
Smallbear$50.00$50.002/23/2010 8:23:37 AM
wonder3$25.00$25.002/23/2010 6:00:20 AM
ALFLoan$25.00$25.002/23/2010 8:58:19 AM
natural-greenback6$25.00$25.002/23/2010 9:03:11 AM
bold-direct-asset$100.00$100.002/23/2010 7:40:25 AM
Kanyon$50.00$50.002/23/2010 8:01:18 AM
AF-Chief$35.00$35.002/23/2010 8:17:49 AM
JiggaJoeyS$100.00$100.002/23/2010 8:21:04 AM
CarlosCespedes$25.00$25.002/23/2010 8:40:30 AM
friendinmoney$25.00$25.002/23/2010 9:06:28 AM
205 bids
 
Borrower Payment Dependent Notes Series 446304
This series of Notes was issued and sold upon the funding of the borrower loan #40949, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Feb-11-2010 
  Auction end date:  Feb-12-2010 
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $142.05
Final lender yield: 7.30% Final borrower rate/APR: 8.30% / 8.64% Final monthly payment: $141.64
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:7y 8m
Credit score: 800-819 (Feb-2010) Total credit lines: 28 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $6,798Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: restaurantuer Borrower's state: Oklahoma 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
Remodel Bathroom
Purpose of loan:
This loan is to be used for remodeling my bathroom in my home.

My financial situation:
I am a good candidate for this loan because I have good credit and never pay late on anything. I take pride in my good credit score and want to keep it that way.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your income seems a bit low to cover a mortgage, living expenses, etc with a remodeling on top of everything. Can you give us a more detailed breakdown of you monthly income & expenses? - smarva
A: My wife's income is not reported on prosper. This is a surprise for her. She makes $25k a year. The income reported is just mine. Thanks for asking :) (Feb-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lean-velocity$25.00$25.002/11/2010 4:18:59 PM
bokonon$25.00$25.002/11/2010 4:30:52 PM
MarcusOcean$25.00$25.002/11/2010 4:31:04 PM
supreme-hope$25.00$25.002/11/2010 4:30:25 PM
skuba$50.00$50.002/11/2010 4:41:52 PM
lloyd_s$25.00$25.002/11/2010 4:42:01 PM
bchen78875$50.00$50.002/11/2010 4:42:21 PM
iflyforfun$25.00$25.002/11/2010 4:43:47 PM
commerce-seahorse$25.00$25.002/11/2010 4:44:06 PM
kulender$25.00$25.002/11/2010 4:44:34 PM
currency-persimmon$25.00$25.002/11/2010 4:45:48 PM
forthright-dedication$25.00$25.002/11/2010 4:46:06 PM
blissful-note7$25.00$25.002/11/2010 4:46:20 PM
Havana21$25.00$25.002/11/2010 4:46:29 PM
BigCityLending$25.00$25.002/11/2010 4:47:48 PM
meenan$25.00$25.002/11/2010 4:41:58 PM
falcon245sp$25.00$25.002/11/2010 4:42:13 PM
Cai8899$75.00$75.002/11/2010 4:42:25 PM
bowdish1$100.00$100.002/11/2010 4:42:34 PM
commerce-web5$40.00$40.002/11/2010 4:42:46 PM
dollar-birdie$30.00$30.002/11/2010 4:42:51 PM
mlopez2007$50.00$50.002/11/2010 4:43:57 PM
buckyhead2000$25.00$25.002/11/2010 4:44:20 PM
personal-lender$25.00$25.002/11/2010 4:42:04 PM
credit-force5$25.00$25.002/11/2010 4:42:09 PM
SoCalRancher$25.00$25.002/11/2010 4:44:39 PM
rolandweary$30.00$30.002/11/2010 4:42:57 PM
AmericanCredit$25.00$25.002/11/2010 4:43:15 PM
Lambo168$25.00$25.002/11/2010 4:44:41 PM
majormoves1$25.00$25.002/11/2010 4:47:40 PM
rudyindc$25.00$25.002/11/2010 4:46:50 PM
HHP$25.00$25.002/11/2010 4:46:55 PM
worldly-marketplace$25.00$25.002/11/2010 5:55:39 PM
thegreatone$100.00$100.002/11/2010 6:58:04 PM
payout-point$27.07$27.072/11/2010 9:55:33 PM
red-trade-cologne$25.00$25.002/12/2010 8:37:02 AM
Yankeeeagle$50.00$50.002/12/2010 9:30:43 AM
dsgfl1$25.00$25.002/12/2010 9:30:50 AM
anacho4me$25.00$25.002/12/2010 9:31:01 AM
zenchef$25.00$25.002/12/2010 9:31:11 AM
Tradesmanlender$25.00$25.002/12/2010 9:31:40 AM
mjdaking$25.00$25.002/11/2010 6:21:11 PM
Artist_Blue$25.00$25.002/11/2010 6:45:42 PM
community-pipeline$25.00$25.002/11/2010 6:57:02 PM
CAGE-Investments$42.58$42.582/12/2010 11:23:11 AM
engaging-worth$30.00$30.002/12/2010 3:20:53 AM
Northsider$40.72$40.722/12/2010 11:43:04 AM
punctual-social$25.00$25.002/12/2010 11:52:33 AM
smarva$25.00$25.002/12/2010 8:43:22 AM
lawman1991$25.00$25.002/12/2010 9:31:25 AM
BayShell$38.62$38.622/12/2010 10:43:50 AM
LAM26$25.00$25.002/12/2010 9:30:58 AM
LandE2BG$25.00$25.002/12/2010 11:02:07 AM
UncleTupelo2$25.00$25.002/12/2010 10:57:07 AM
Plotinus$31.48$31.482/12/2010 11:50:58 AM
dpfl55$25.00$25.002/12/2010 11:51:30 AM
Dazz2061$25.00$25.002/12/2010 11:01:03 AM
anakinsolo$25.00$25.002/12/2010 11:58:45 AM
shookie_40$25.00$25.002/12/2010 11:25:40 AM
Walkingcowboy$25.00$25.002/12/2010 11:36:32 AM
peaceful-bid$25.00$25.002/12/2010 11:48:20 AM
kirkjerk$25.00$25.002/12/2010 11:57:26 AM
webfeet$25.00$12.952/12/2010 12:41:52 PM
kenji4861$25.00$25.002/11/2010 4:18:55 PM
auction-elvis$25.00$25.002/11/2010 4:31:21 PM
life-is-great$25.00$25.002/11/2010 4:31:25 PM
radforj22$25.00$25.002/11/2010 4:29:42 PM
flexible-value$31.00$31.002/11/2010 4:30:40 PM
inspired-contract9$50.00$50.002/11/2010 4:31:16 PM
bruce3504$25.00$25.002/11/2010 4:31:00 PM
natural-greenback6$25.00$25.002/11/2010 4:31:28 PM
DonaldColorado$25.00$25.002/11/2010 4:35:13 PM
honorable-yield$75.00$75.002/11/2010 4:43:37 PM
reward-walnut$25.00$25.002/11/2010 4:44:10 PM
GrommetPosse$25.00$25.002/11/2010 4:46:01 PM
social-conductor4$25.00$25.002/11/2010 4:43:22 PM
bigballer105$25.00$25.002/11/2010 4:43:26 PM
desertoasis$25.00$25.002/11/2010 4:44:50 PM
market-builder$25.00$25.002/11/2010 4:42:29 PM
delicious-social132$40.00$40.002/11/2010 4:42:32 PM
peerlender$30.00$30.002/11/2010 4:42:41 PM
friendly-worth3$25.00$25.002/11/2010 4:43:02 PM
wampum-reaction2$25.00$25.002/11/2010 4:43:10 PM
Kaj$25.00$25.002/11/2010 4:43:28 PM
anton$250.00$250.002/11/2010 4:43:51 PM
AF-Chief$28.00$28.002/11/2010 4:44:01 PM
coloradoloanman$25.00$25.002/11/2010 4:46:11 PM
JJS180$25.00$25.002/11/2010 4:46:26 PM
-------ing247$25.00$25.002/11/2010 4:44:44 PM
unk1911$25.00$25.002/11/2010 4:47:28 PM
angelinvestor2$25.00$25.002/11/2010 4:47:38 PM
investment-tempo$25.00$25.002/11/2010 4:45:46 PM
DukSerduk$25.00$25.002/11/2010 4:47:42 PM
market-banshee$25.00$25.002/11/2010 4:45:55 PM
cello1$25.00$25.002/11/2010 4:46:34 PM
hizzy$25.00$25.002/11/2010 5:24:31 PM
wdove511$25.00$25.002/11/2010 6:21:12 PM
wampum-chorus3$25.00$25.002/11/2010 6:57:01 PM
tsui517$25.00$25.002/11/2010 6:58:24 PM
capital-web7$25.00$25.002/11/2010 5:05:49 PM
red-favorable-basis$25.00$25.002/11/2010 5:08:20 PM
stable-nickel$250.00$250.002/11/2010 5:11:40 PM
br4444$25.00$25.002/12/2010 8:30:31 AM
cash-vault$25.00$25.002/11/2010 5:22:25 PM
junctionking$25.00$25.002/11/2010 5:31:54 PM
amaxxama$25.00$25.002/12/2010 9:30:42 AM
Cheburashka$25.07$25.072/11/2010 5:31:52 PM
beaker$25.00$25.002/11/2010 5:50:29 PM
SDNLR$25.00$25.002/12/2010 9:31:28 AM
galtsgulch$25.00$25.002/12/2010 9:31:43 AM
Ganthiel$50.00$50.002/12/2010 9:40:02 AM
jga516$25.00$25.002/11/2010 6:45:34 PM
verse99$25.00$25.002/12/2010 10:29:48 AM
senorzookeeper$25.00$25.002/11/2010 8:25:39 PM
scottr$25.00$25.002/12/2010 10:53:03 AM
jaker$25.00$25.002/12/2010 10:54:03 AM
johntina$31.99$31.992/12/2010 11:07:35 AM
greenwell$25.72$25.722/12/2010 11:19:23 AM
jd006006$30.32$30.322/12/2010 11:44:15 AM
get30inc$44.89$44.892/12/2010 11:44:18 AM
rmachi$25.00$25.002/12/2010 11:48:18 AM
AceInTheHole$25.00$25.002/12/2010 11:52:31 AM
JGB$25.00$25.002/12/2010 12:39:24 PM
bigdogsafety1$25.00$25.002/12/2010 7:22:21 AM
drysdale-sd$25.00$25.002/12/2010 7:23:06 AM
littlemonkey$25.00$25.002/12/2010 7:25:30 AM
dime-beeper$25.00$25.002/12/2010 7:50:30 AM
vegibenz$25.00$25.002/12/2010 10:28:06 AM
compassion-lotus5$25.00$25.002/12/2010 9:31:05 AM
Phantom99$25.00$25.002/12/2010 9:55:51 AM
guardlender$25.00$25.002/12/2010 10:35:52 AM
KiwiElf$30.00$30.002/12/2010 10:36:10 AM
teller$28.44$28.442/12/2010 11:18:51 AM
axl163$25.00$25.002/12/2010 11:26:11 AM
pwkpwk$25.00$25.002/12/2010 11:50:37 AM
tenny321$25.00$25.002/12/2010 12:08:48 PM
roccofox$31.15$31.152/12/2010 11:18:12 AM
silverloan$75.00$75.002/12/2010 12:38:13 PM
138 bids
 
Borrower Payment Dependent Notes Series 446326
This series of Notes was issued and sold upon the funding of the borrower loan #40983, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 14.50% Starting borrower rate/APR: 15.50% / 15.86% Starting monthly payment: $174.55
Final lender yield: 14.45% Final borrower rate/APR: 15.45% / 15.81% Final monthly payment: $174.43
 
Auction yield range: 3.06% - 14.50% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 12.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:15y 1m
Credit score: 800-819 (Jan-2010) Total credit lines: 49 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: LuckyRealEstateInvestor Borrower's state: Missouri Borrower's group: AA Credit***
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: 18 ( 100% ) 800-819 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
740-759 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Need to repair foundation, sewer
Purpose of loan:
We are fixing up our home. We need to stabilize the foundation, put in a sump pump and repair the sewer drain lines and plumbing. With this loan we will be able to fix these issues. We are paying most of the cost out of pocket but are $5000 short.
My financial situation:
I am a good candidate for this loan because?I am a responsible person who works full time and pays all my bills on time. I just did not have enough money set aside for such extensive repairs. I do not have credit cards, a car loan or any other type of a loan. My only monthly payment is $1200 on a mortgage (fixed rate mortgage). I am married and my husband makes $32,500 (salary). I am a Realtor who sold 21 homes last year. We are blessed with a good real estate market so I still have plenty of work.
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 this for your residence or investment property? - eureka117
A: It is for my personal residence. (Feb-12-2010)
Q: Could you please explain the 7 delinquencies in the last 7 years? - UOweMe
A: Yes. Five years ago my ex husband took off and left me with an empty bank account and all the bills. I paid all mine, all his and all the joint bills while we went through our divorce but some of them were paid late. (Feb-12-2010)
Q: Why was the last loan that you had funded withdrawn? - JackinGreen
A: We withdrew it because we could only supply pay stubs for my husband and not for me. I do not receive pay stubs. Prosper told me if I could not provide pay stubs my loan request would be cancelled by them before being funded. They said I would have to change the format to "self-employed" status. I feel this is splitting hairs due to the fact I have been doing the same work at the same location for 15 years. (Feb-13-2010)
Q: hi, what's the value of your house and the mortgage, and interest rate? You indicated several rental properties, what is net cash flow from these, monthly? thanks - shrewd-income
A: The net income on these is $2100 per month. I am not counting these in my income total listed on the loan request. (Feb-15-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Dustley$25.00$25.002/10/2010 4:10:34 PM
snowfall2006$25.00$25.002/10/2010 4:50:20 PM
reflective-rupee$100.00$100.002/10/2010 9:45:14 PM
JustMee$25.00$25.002/10/2010 8:40:14 PM
exchange-grizzly$25.00$25.002/11/2010 7:01:04 AM
Zipperdu$50.00$50.002/11/2010 11:51:38 AM
dynrep$50.00$50.002/11/2010 10:16:22 AM
CommerciaLender$25.00$25.002/11/2010 10:32:15 AM
Ganthiel$25.00$25.002/11/2010 3:12:00 PM
psalms6612$25.00$25.002/12/2010 3:03:39 PM
c03rc3$25.00$25.002/12/2010 1:23:06 PM
ga_rainman$25.00$25.002/12/2010 2:02:33 PM
iijaejaeii$25.00$25.002/12/2010 7:02:49 PM
selector568$300.00$300.002/13/2010 5:20:32 AM
slpark$50.00$50.002/14/2010 12:03:12 PM
afm$41.00$41.002/14/2010 7:25:47 PM
sirguyon$200.00$200.002/14/2010 2:43:13 PM
well-mannered-income3$50.00$50.002/14/2010 5:53:48 PM
alex189a$50.00$50.002/15/2010 1:00:57 PM
revenue-sapling$25.00$25.002/16/2010 5:45:29 AM
The-CAPS-fan$38.00$38.002/16/2010 7:12:05 AM
well-mannered-income3$50.00$50.002/15/2010 6:38:13 PM
grammaspurse$25.00$25.002/15/2010 8:10:59 PM
boomer61$50.00$50.002/16/2010 5:00:03 AM
cashhelp$25.00$25.002/16/2010 4:49:00 AM
dinero-elevator$50.00$50.002/16/2010 5:58:16 AM
lazyeye$25.00$25.002/16/2010 7:14:22 AM
buphigam$25.00$25.002/16/2010 7:21:37 AM
skubwa$25.00$25.002/16/2010 9:36:31 AM
apple757$25.00$25.002/16/2010 9:44:02 AM
sshgfwb$25.00$25.002/16/2010 9:57:50 AM
SmallGolfer$43.67$43.672/16/2010 1:31:41 PM
nevetsnosliw1$25.00$25.002/16/2010 2:20:25 PM
leverage-monger$30.00$30.002/16/2010 1:27:02 PM
asset-professor$100.00$100.002/16/2010 3:23:13 PM
katnmouse$30.00$30.002/16/2010 2:28:37 PM
crazybill$25.00$25.002/16/2010 4:51:11 PM
Montiesholdings$32.58$32.582/16/2010 6:46:09 PM
gothampark$25.00$25.002/16/2010 5:21:45 PM
Ray3486$25.00$25.002/16/2010 5:31:03 PM
reflective-rupee$100.00$100.002/16/2010 6:12:25 PM
erowis$25.00$25.002/16/2010 4:22:32 PM
credit-missile$50.00$50.002/16/2010 10:13:47 PM
RiskAdverse$25.00$25.002/16/2010 8:18:02 PM
reflective-rupee$100.00$100.002/16/2010 6:12:37 PM
frugalinvestor20$25.00$25.002/10/2010 4:21:19 PM
Serge2005$25.00$25.002/10/2010 5:10:37 PM
reflective-rupee$100.00$100.002/10/2010 9:45:26 PM
lender12345$50.00$50.002/10/2010 6:35:40 PM
chibear34$25.00$25.002/11/2010 3:50:01 AM
respectful-integrity3$30.00$30.002/11/2010 6:55:47 AM
springpanda$25.00$25.002/11/2010 11:35:55 AM
cello1$25.00$25.002/11/2010 5:31:59 PM
Poohcho$50.00$50.002/12/2010 5:51:52 AM
Recyclist$25.00$25.002/12/2010 1:06:39 AM
eureka117$25.00$25.002/12/2010 3:47:28 PM
active-dinero$26.64$26.642/12/2010 4:50:21 PM
Unitas4302$200.00$200.002/13/2010 5:20:18 AM
Rollshaft$83.12$83.122/13/2010 6:46:50 AM
pinballeffect$78.76$78.762/12/2010 9:59:07 PM
liberty-grizzly$250.00$250.002/13/2010 8:21:46 AM
What-goes-around-comes-around$25.00$25.002/13/2010 5:55:02 PM
Dollars4Rent$25.00$25.002/14/2010 8:46:59 AM
dynrep$50.00$50.002/14/2010 11:36:47 AM
ONECENTATATIME$25.00$25.002/14/2010 12:54:06 PM
mjsk$25.00$25.002/14/2010 6:01:58 PM
integrity-doctor$50.00$50.002/14/2010 3:23:02 PM
samanthastephen$50.00$50.002/15/2010 6:50:38 AM
many_many$30.09$30.092/15/2010 1:51:18 PM
Shanster84$50.00$50.002/15/2010 5:17:59 PM
Onlyhappycustomers$25.00$25.002/15/2010 8:50:12 PM
Super-LM$50.00$50.002/16/2010 4:47:27 AM
brightest-dignified-penny$25.00$25.002/15/2010 4:49:37 PM
gtg810q$25.00$25.002/15/2010 6:36:21 PM
invincible-gain$200.00$200.002/15/2010 6:16:41 PM
DRA-Properties$25.00$25.002/15/2010 7:43:21 PM
zenchef$27.00$27.002/15/2010 8:11:08 PM
AF-Chief$45.00$45.002/16/2010 7:26:21 AM
webfeet$25.00$25.002/16/2010 7:39:41 AM
flibinite$50.00$50.002/16/2010 8:43:51 AM
dadalou$28.20$28.202/16/2010 8:29:42 AM
Helping-One-Another$100.00$100.002/16/2010 9:51:48 AM
Ray3486$25.00$25.002/16/2010 5:30:30 PM
reflective-rupee$100.00$100.002/16/2010 6:12:11 PM
koolhandwv$53.22$53.222/16/2010 5:14:40 PM
banker366$25.00$25.002/16/2010 8:33:16 PM
reflective-rupee$100.00$100.002/16/2010 6:11:56 PM
elevated-finance$25.00$25.002/16/2010 9:39:56 PM
shrewd-income$100.00$100.002/16/2010 10:02:37 PM
jybank$25.00$25.002/16/2010 10:27:09 PM
grnii78$208.26$208.262/17/2010 5:56:18 AM
persistent-value3$214.10$174.462/17/2010 5:04:10 AM
92 bids
 
Borrower Payment Dependent Notes Series 446674
This series of Notes was issued and sold upon the funding of the borrower loan #40961, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Feb-16-2010 
  Auction end date:  Feb-23-2010 
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $83.15
Final lender yield: 15.00% Final borrower rate/APR: 16.00% / 18.18% Final monthly payment: $80.86
 
Auction yield range: 8.05% - 17.00% Estimated loss impact: 6.84%  
Lender servicing fee: 1.00% Estimated return: 8.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2001 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:1y 8m
Credit score: 680-699 (Feb-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,604Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Jbalexan 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: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,900.00< mo. late: 0 ( 0% )  
620-639 (Jan-2008)
 
Principal balance: $760.82 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Consolidating Loan Shark Rates
Purpose of loan:
This loan will be used to? Citi? Diamond Preferred? Rewards American Express? Card

My financial situation:
I am a good candidate for this loan because?I have never made a late payment. I have a good credit score. I have a the means and the ability to continue paying all debts on time and to there conclusion. I have not used a single credit card since November 2007 and was on track to paying of all of my debt (including student loans) by 2012. Over the past year my credit limits have been reduced because of inactivity to near my balance. This caused the credit card companies to "re-evaluate" my accounts and raise my rate to 27.24%. This has made me attack my debt even harder. This loan will help me stop the bleeding of interest as I continue to attack this debt.

Monthly net income: $ 2,300

Monthly expenses: $ 1,950
??Housing: $583
??Gas Per/month: $160
??Car Insurance: $90
??Phone, cable, internet: $215
??Credit cards and other loans: 680
??Student Loan: $179
??Other expenses: $43
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)
Unitas4302$200.00$200.002/16/2010 3:04:45 PM
grammaspurse$25.00$25.002/17/2010 5:00:00 PM
honorable-yield$35.00$35.002/18/2010 8:59:58 AM
WeshaTheLeopard$26.00$26.002/18/2010 1:55:34 PM
enthusiastic-balance5$100.00$100.002/18/2010 2:10:35 PM
MarcusOcean$50.00$50.002/18/2010 4:57:26 PM
SOP_Bank$25.00$25.002/19/2010 8:39:23 AM
jpblan11$40.42$4.562/19/2010 5:35:26 PM
vine99$50.00$50.002/20/2010 9:59:27 AM
Leshan$100.00$100.002/20/2010 10:38:48 AM
WeshaTheLeopard$25.00$25.002/20/2010 8:18:12 PM
loan-adventurer7$36.00$36.002/20/2010 8:24:42 PM
Feyenoord$25.00$25.002/20/2010 9:54:41 PM
Flash80$75.00$75.002/21/2010 1:29:47 PM
rockhound84$25.00$25.002/21/2010 1:32:00 PM
99Lender$25.00$25.002/21/2010 8:02:10 PM
wwwUniversal$25.00$25.002/22/2010 9:55:50 AM
nickel-ranch$25.00$25.002/22/2010 10:24:15 AM
victorcab$25.00$25.002/22/2010 11:21:44 AM
toxicbutterfly$30.00$30.002/22/2010 11:16:07 AM
AF-Chief$35.00$35.002/22/2010 11:18:42 AM
dudebrah$25.00$25.002/22/2010 1:27:46 PM
sturdy-velocity6$25.00$25.002/22/2010 2:40:31 PM
Astyanax$30.00$30.002/22/2010 1:21:47 PM
gilbrear$25.00$25.002/22/2010 4:05:43 PM
worldly-return$50.00$50.002/22/2010 4:35:04 PM
SolarMoonshine$25.00$25.002/22/2010 5:47:04 PM
payout-comet$25.00$25.002/22/2010 6:41:11 PM
payout-reaction740$25.00$25.002/22/2010 11:25:29 PM
Mosimo$100.00$100.002/22/2010 8:42:55 PM
velocity-winner$25.00$25.002/22/2010 11:41:51 PM
wonder3$25.00$25.002/23/2010 6:11:45 AM
martymaniaman$25.00$25.002/23/2010 8:45:50 AM
Bill88$25.00$25.002/23/2010 7:43:14 AM
fireferd$25.00$25.002/23/2010 7:49:24 AM
LittleMingo$25.00$25.002/17/2010 12:24:49 PM
Sofar$25.00$25.002/17/2010 12:35:46 PM
Aberdeen$62.45$62.452/17/2010 12:35:48 PM
Sol_Invictus$25.00$25.002/18/2010 8:39:23 AM
wizard750$30.00$30.002/18/2010 11:55:59 AM
FinanceEngine$25.00$25.002/19/2010 3:31:45 PM
Mikale360$25.00$25.002/19/2010 6:50:04 PM
twerns$40.00$40.002/20/2010 3:55:03 PM
Kelor99$25.00$25.002/20/2010 7:30:44 PM
Spartamare$50.00$50.002/21/2010 5:42:58 PM
lender12345$25.00$25.002/21/2010 8:22:42 PM
Champion_Lending$25.00$25.002/22/2010 8:26:25 AM
atomantic$50.00$50.002/22/2010 2:38:47 AM
fairness-atmosphere$27.92$27.922/22/2010 8:10:11 AM
Ray3486$25.00$25.002/22/2010 9:11:29 AM
Havnfun$25.00$25.002/22/2010 1:46:52 PM
ScottFinance$25.00$25.002/22/2010 12:18:01 PM
BankofBeth$25.00$25.002/22/2010 12:34:32 PM
rupee-kung-fu7$25.00$25.002/22/2010 1:16:01 PM
Jinja$25.00$25.002/22/2010 1:23:57 PM
Chiss$30.00$30.002/22/2010 1:51:15 PM
ddoneday$31.07$31.072/22/2010 4:16:10 PM
realtormoises$25.00$25.002/22/2010 4:30:35 PM
rinyt$30.00$30.002/22/2010 5:21:17 PM
clemclan$25.00$25.002/22/2010 6:12:36 PM
juxtapose$25.00$25.002/22/2010 10:09:26 PM
jybank$25.00$25.002/22/2010 11:05:10 PM
wild-orange$25.00$25.002/23/2010 2:53:53 AM
ALFLoan$25.00$25.002/23/2010 5:29:06 AM
roguewinner$27.00$27.002/23/2010 9:07:59 AM
65 bids
 
Borrower Payment Dependent Notes Series 445621
This series of Notes was issued and sold upon the funding of the borrower loan #40984, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,100.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 38.25% Starting monthly payment: $49.45
Final lender yield: 23.90% Final borrower rate/APR: 24.90% / 28.43% Final monthly payment: $43.68
 
Auction yield range: 11.06% - 33.50% Estimated loss impact: 10.59%  
Lender servicing fee: 1.00% Estimated return: 13.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:1y 5m
Credit score: 640-659 (Jan-2010) Total credit lines: 12 Occupation: Computer Programmer
Now delinquent: 1 Revolving credit balance: $3,586Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: SummerStar75 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
Getting rid of some smaller debts
Purpose of loan:
This loan will be used to pay off some smaller debts I've incurred from 2009 and into 2010.? I'd like to start the year off right and just get them paid off instead of going through the monthly arrangements I have currently set up.? Being able to pay these off would be a great lift for me personally and would lift a weight off me.? A part of me would much rather just pay back one place instead of paying five different ones with different due dates.

My financial situation:
I am a good candidate for this loan because my credit has been improving but I don't want a slip up on my end to start having late payments hitting my credit report.? I've taken the time to reduce our family household expenses and while we have cut it to the bone I'd rather be more safe than sorry and this loan will provide me that breathing space.? I've made mistakes in the past but my intention to do everything with honesty and integrity.? Any extra I make goes to my debt but with my wife not working at the moment I've needed to stretch every penny.? Paying this loan back is just as important for me as paying my mortgage (which I've done on time every month)

Monthly net income: $ 3,500

Monthly expenses: $ 2,800
Housing: $ 1,500
? Insurance: $ 200
? Car expenses: $ 100
? Utilities: $ 200
? Phone, cable, internet: $ 75
? Food, entertainment: $ 300
? Clothing, household expenses $ 125
? Credit cards and other loans: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hello - I have a few questions and ask that you respond publicly. Do you own your business or a contract worker? How secure is your job now and in the foreseeable future? Can you elaborate on the 1 delinquency and 2 public records? Best Wishes, Mike - UnkleMike
A: Hi Mike. Thank you for your question. I own the business and pay myself as a contractor. Growth has been steady since Nov. 2009 and should continue in 2010. The 1 DQ is as a result of being an authorized user one of my wife's store charge accounts. That amount has already been paid off and I didn't know about it until Prosper pulled my credit. The public records are from 2004. I paid them off in full as a condition of getting my mortgage. (Feb-12-2010)
Q: I was wondering if your wife is looking for a job or has made a decision to stay at home? - fcukciti
A: Yes she does work. She works as a substitute teacher and also as an opera singer. With over $50,000 in student loan debt her income goes to her own debts and I help her out when possible. (Feb-13-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SolarMoonshine$25.00$25.002/9/2010 5:42:20 PM
sunshinysmiles$25.00$25.002/13/2010 12:48:17 PM
marwadi-62$25.00$25.002/14/2010 6:21:30 AM
kaianja$50.00$50.002/13/2010 5:57:01 PM
credit-shower$100.00$100.002/13/2010 6:47:39 PM
buvaet$25.00$25.002/14/2010 2:44:58 PM
shalofin$33.07$33.072/14/2010 7:44:47 AM
worthy-bid4$25.00$25.002/14/2010 9:51:20 AM
kingston1$25.00$25.002/14/2010 8:43:53 PM
Bob450$25.00$25.002/15/2010 8:09:20 AM
nalaari$50.00$50.002/15/2010 7:03:42 AM
Leshan$25.00$25.002/12/2010 9:33:42 AM
PeterPsych$100.00$100.002/13/2010 9:01:26 AM
_Sri_Bank_$100.00$100.002/13/2010 5:31:45 AM
aquistoyraul$25.00$25.002/14/2010 7:07:11 PM
glenium$25.00$25.002/15/2010 2:58:31 AM
WAREAGLE127$50.00$50.002/14/2010 6:20:15 PM
richmondcowboy$25.00$25.002/14/2010 4:54:25 PM
fury220$40.06$40.062/14/2010 11:17:38 PM
UnkleMike$28.00$28.002/14/2010 7:21:23 PM
surferracerskaterboy$50.00$50.002/15/2010 8:51:20 AM
winger66$50.00$50.002/15/2010 4:12:21 AM
wild-orange$25.00$25.002/15/2010 4:21:12 AM
phchristensen$50.00$50.002/15/2010 6:55:14 AM
heritage_loans$25.00$25.002/15/2010 7:48:05 AM
Engineer44$25.00$23.872/15/2010 9:39:39 AM
toxicbutterfly$25.00$25.002/15/2010 9:19:54 AM
zztopdog$25.00$25.002/15/2010 9:36:51 AM
28 bids
 
Borrower Payment Dependent Notes Series 445669
This series of Notes was issued and sold upon the funding of the borrower loan #40952, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,700.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 13.99% Starting borrower rate/APR: 14.99% / 17.16% Starting monthly payment: $128.24
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $121.13
 
Auction yield range: 4.06% - 13.99% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 10 / 7Length of status:6y 1m
Credit score: 780-799 (Jan-2010) Total credit lines: 18 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $4,711Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: chamaco 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
Need Inventory for Cinco de Mayo
Purpose of loan: I need inventory for the busiest part of the year (March through May).?
I started an online retail website for Mexican Blankets and other Mexican products when I was in college six years ago.? Since then the site has consistently grown, with sales last year of over $120,000.? I recently finished my MBA in?September?and got married in October,?and now have student loans and other expenses?that prevent me from buying as much inventory as I will need.? We sell blankets, ponchos, table runners, etc. Our products are very popular for Cinco de Mayo parties and events, which result in about 55% of our annual sales in the months of March, April and May.?? We need to place our order?in February?so that the inventory arrives in time for the busiest season. This will be a short term loan, once inventory is paid for and orders come in, the loan will be paid off.?


My financial situation:
I have been a member of Prosper since 2007, loaning to over 30 people.? This is my first request for a loan for myself.
I am a good candidate for this loan because I have always been on time with my payments.? I have never missed a payment on my credit cards or student loans.? My need is for a short term inventory for a company that has consistently performed, therefore it is not as risky as a start-up business venture.

My monthly net income varies from month to month.? During the slowest months of October-February it averages $3800-$4400.? During the busiest months of March-September, average of $7500-$8200.? Last year total sales were $120,000.

My monthly expenses are as follows:

rent: $1385 (cheap for Orange County)
car: paid off, pay $150-$200 a month for gas/insurance
cell phone: $50.00
student loans: $485
food: $250-$300
entertainment: $200-$250 (my wife loves going to the movies, which are $13 here in Southern California now)
health insurance: $320 (self-employed rate for my spouse and me)
utilities: $150
cable/internet: $95

Please email me with any and all 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
Q: hola sr. chamaco. You look very responsible. Can you give us the url of your website? - what_goes_around
A: Sure. It is www.elchamaco.com. If you are looking for decorations for your Cinco de Mayo party or event, you know where to go! (Feb-11-2010)
Q: Please provide a link to your site. - income-ferret2
A: Please see answer below. Thanks for looking! (Feb-11-2010)
Q: Do you have any way to repay the debt if you are unable to sell your inventory? - smarva
A: I do. If worse came to worse, I would sell some stocks that I have. I currently have $15,000 in stocks, and about $30,000 in retirement accounts, which would all be sold before ever defaulting. (Feb-12-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Iloanyoumoney$25.00$25.002/10/2010 7:03:19 AM
IcedMochaFund$25.00$25.002/10/2010 2:01:09 PM
income-ferret2$175.00$175.002/10/2010 5:50:40 PM
luper$50.00$50.002/10/2010 11:27:30 PM
respectful-integrity3$30.00$30.002/11/2010 6:47:02 AM
bnl42$27.34$27.342/11/2010 5:14:08 PM
KingCroesus$25.00$25.002/11/2010 10:27:47 PM
elloboverde$50.00$12.662/11/2010 11:16:25 PM
gothampark$25.00$25.002/12/2010 11:53:38 AM
cosmof16$25.00$25.002/12/2010 2:31:10 PM
2seriousteachers$27.00$27.002/12/2010 4:16:52 PM
SS123$25.00$25.002/12/2010 3:41:20 PM
PeterPsych$300.00$300.002/12/2010 4:47:18 PM
bonus-apple$100.00$100.002/12/2010 7:31:50 PM
Adventurouschef$50.00$50.002/13/2010 8:48:59 AM
orangefob7$35.00$35.002/12/2010 9:33:37 PM
Lender0307$25.00$25.002/12/2010 9:37:57 PM
Asparagirl$40.00$40.002/12/2010 10:31:48 PM
OzGuy609$25.00$25.002/13/2010 5:29:01 AM
RandyL3$42.00$42.002/13/2010 7:37:14 AM
djp127$25.00$25.002/13/2010 7:52:33 PM
PotBellyPete$50.00$50.002/13/2010 6:39:49 PM
apple757$25.00$25.002/14/2010 12:49:06 PM
Boinky00$50.00$50.002/14/2010 1:34:50 PM
brinabonzo$25.00$25.002/14/2010 2:39:41 PM
natural-greenback6$25.00$25.002/14/2010 5:37:13 PM
PPLIN810$25.03$25.032/14/2010 6:35:59 PM
lender12345$25.00$25.002/14/2010 12:24:23 PM
cutter21$25.00$25.002/14/2010 8:23:39 PM
ga_rainman$25.00$25.002/14/2010 1:56:01 PM
BOZO88$25.00$25.002/14/2010 2:16:23 PM
wild-orange$25.00$25.002/15/2010 4:35:23 AM
icon7$25.00$25.002/15/2010 5:27:51 AM
grvdgr01$25.00$25.002/14/2010 2:37:49 PM
bank-examiner$25.00$25.002/15/2010 7:10:03 AM
preventivepestcontrol$50.00$50.002/14/2010 11:12:48 PM
hope-lionheart1$25.00$25.002/14/2010 7:47:04 PM
persistent-value3$46.98$46.982/15/2010 5:58:39 AM
Ssider$50.00$50.002/15/2010 7:19:43 AM
beakerfish$200.00$200.002/15/2010 9:30:33 AM
rate-hickory$25.00$25.002/15/2010 7:47:41 AM
invest0808$25.00$25.002/15/2010 5:38:37 AM
JerryB96$25.00$25.002/15/2010 8:08:06 AM
SpotLending$25.00$25.002/15/2010 8:59:08 AM
OoM$25.00$25.002/15/2010 9:31:12 AM
money-watcher$25.00$25.002/8/2010 10:01:21 PM
StrongMonty$25.00$25.002/10/2010 12:14:01 AM
basejump0$25.00$25.002/9/2010 10:01:18 PM
DonDinero$59.80$59.802/10/2010 11:47:11 AM
WorkingTA$25.00$25.002/10/2010 3:28:56 PM
billquality$105.64$105.642/11/2010 11:10:52 AM
money-watcher$25.00$25.002/11/2010 11:18:10 AM
dlg$36.36$36.362/11/2010 11:44:12 AM
taylodo$37.00$37.002/11/2010 10:52:57 PM
gjm6d$32.00$32.002/12/2010 4:43:37 AM
Richmp412$25.00$25.002/12/2010 7:53:19 AM
Dskillz$29.10$29.102/12/2010 12:42:21 PM
Leshan$25.00$25.002/12/2010 9:40:36 AM
GBlack$25.00$25.002/12/2010 8:42:41 AM
Earn_money$25.00$25.002/12/2010 10:13:12 AM
gustavholstopus32$25.00$25.002/12/2010 2:08:33 PM
SomebodysMom$114.09$114.092/12/2010 11:50:03 AM
bankojerry$25.00$25.002/12/2010 5:39:37 PM
socal-lender$25.00$25.002/13/2010 5:14:07 PM
ski1965$25.00$25.002/13/2010 11:45:35 AM
BankofRa$25.00$25.002/13/2010 2:41:54 PM
jayk63$25.00$25.002/14/2010 8:20:32 AM
creativename$75.00$75.002/14/2010 12:34:49 PM
packrs1$25.00$25.002/14/2010 2:05:27 PM
marwadi-62$50.00$50.002/14/2010 6:27:48 AM
Plasticman$50.00$50.002/14/2010 12:02:27 PM
agile$50.00$50.002/14/2010 10:32:38 AM
payout-magician$30.00$30.002/14/2010 1:22:12 PM
manugee$50.00$50.002/14/2010 1:33:39 PM
lendaton$25.00$25.002/14/2010 1:59:08 PM
Ven58$25.00$25.002/14/2010 2:14:56 PM
Yang$25.00$25.002/14/2010 3:39:46 PM
dpries123$25.00$25.002/15/2010 7:54:46 AM
cash-widget$25.00$25.002/14/2010 10:15:33 PM
ebgb234$40.00$40.002/15/2010 8:41:06 AM
surferracerskaterboy$100.00$100.002/15/2010 8:54:43 AM
leverage-monger$25.00$25.002/15/2010 7:54:15 AM
slwholesales$50.00$50.002/15/2010 7:55:38 AM
prainvestment$50.00$50.002/15/2010 8:24:02 AM
OGS_Capital$25.00$25.002/15/2010 8:35:05 AM
rustysailor$25.00$25.002/15/2010 9:18:07 AM
leverage-monger$35.00$35.002/15/2010 9:34:29 AM
friendinmoney$50.00$50.002/15/2010 9:39:06 AM
merciful-yield$45.00$45.002/15/2010 9:32:34 AM
89 bids
 
Borrower Payment Dependent Notes Series 445699
This series of Notes was issued and sold upon the funding of the borrower loan #40999, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $311.85
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $307.20
 
Auction yield range: 11.06% - 27.40% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2006 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:3y 11m
Credit score: 660-679 (Jan-2010) Total credit lines: 13 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $10,474Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: justice-path Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off my Credit Cards
Purpose of loan:
This loan will be used to pay off my credit cards so I can buy a little house while the market is still good for it!

My financial situation:
I am a good candidate for this loan because I am a responsible person who always pays bills on time and until they are paid off. I work as a software engineer for the same company for almost 4 years now, so I have a stable, well paying job. My living expenses are only $500 with utilities included because I rent a room in a nice house. I also have my car paid off so I don't have any car payments either. Which means I can comfortably afford paying this loan. I also have had a loan approved by Lending Tree before in the amount of $19000.00 which I always paid on time and until it was paid off. The reason why I decided to try Prosper this time is because I thought the interest rates on Lending Tree were way too high. And the only reason why my credit score is not much higher is because I am a foreigner and I have only been in this country for 4 years so I don't have enough credit history time to have a better credit score. My credit cards interest rate is around 20%/year. I want to pay them off and then save money to buy a house by the end of the year. So if I can get a lower interest rate for this loan, I can pay the credit cards off, pay this loan monthly instead, start saving for my house, increase my credit score (and therefore get a better interest rate in my mortgage) and feel like I am doing a good deal. I am also trying to cut all superfluous expenses and save everywhere I can. I have cancelled magazine subscriptions, movie rent plans, even my gym membership and cable channels. That's how much I want to buy my little house while the market is still good for it and if I can get this loan it would really help me be able to buy it! Thank you! :)

Monthly net income: $2654.00

Monthly expenses: $900.00
??Housing: $500.00
??Insurance: $0
??Car expenses: $100.00 (car insurance)
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $300.00
??Clothing, household expenses $0
??Credit cards and other loans: $0 if I get this loan!
??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)
falcon88dp$25.00$25.002/8/2010 9:57:50 AM
buffalobills$25.00$25.002/8/2010 10:14:33 AM
radforj22$25.00$25.002/8/2010 10:17:32 AM
supreme-bonus0$25.00$25.002/8/2010 10:24:51 AM
SweetHoneyPot$25.00$25.002/8/2010 10:36:22 AM
orange-finance-banker$25.00$25.002/8/2010 10:44:45 AM
Havana21$25.00$25.002/8/2010 10:43:04 AM
inspiring-reward$50.00$50.002/8/2010 10:41:16 AM
next2$25.00$25.002/8/2010 10:44:33 AM
Phantom99$25.00$25.002/8/2010 10:51:40 AM
Diamond_Jim$25.00$25.002/8/2010 10:47:09 AM
supreme-hope$25.00$25.002/8/2010 10:45:30 AM
Hothornman$25.00$25.002/8/2010 10:47:56 AM
special-responsibility$25.00$25.002/8/2010 10:48:00 AM
flexible-value$25.00$25.002/8/2010 10:48:27 AM
munoz44$25.00$25.002/8/2010 10:56:59 AM
play_ultimate$25.00$25.002/8/2010 10:54:31 AM
mercuriant$25.00$25.002/8/2010 10:55:50 AM
yield-lion$25.00$25.002/8/2010 10:56:17 AM
wampum-chorus3$25.00$25.002/8/2010 10:56:47 AM
CarlosCespedes$25.00$25.002/8/2010 11:04:51 AM
Dr_M$25.00$25.002/8/2010 10:58:18 AM
jscig$50.00$50.002/8/2010 10:58:22 AM
investment-party$30.63$30.632/8/2010 1:03:36 PM
ritwik$50.00$50.002/8/2010 3:44:39 PM
good4loan$25.00$25.002/8/2010 4:50:49 PM
FinanceEngine$25.00$25.002/8/2010 3:25:04 PM
charming-point$300.00$300.002/8/2010 3:56:10 PM
vine99$40.00$40.002/8/2010 6:02:06 PM
integrity-doctor$50.00$50.002/8/2010 6:47:11 PM
georgethesir$25.00$16.862/8/2010 7:08:26 PM
CarDealer3070$30.00$30.002/8/2010 7:08:07 PM
honorable-yield$35.00$35.002/8/2010 7:57:46 PM
LuvToLend$25.00$25.002/9/2010 3:59:19 AM
BrighterSuns$25.00$25.002/9/2010 7:15:41 AM
nourishing-hope835$25.00$25.002/9/2010 5:29:48 AM
agreement-bunny$28.00$28.002/9/2010 6:05:22 AM
NutmegFilms$25.00$25.002/9/2010 10:52:26 AM
felicity-daydream$75.00$75.002/9/2010 1:35:31 PM
loan-fate$25.00$25.002/9/2010 1:08:01 PM
deal-hickory5$250.00$250.002/9/2010 3:44:55 PM
Peterman$28.91$28.912/9/2010 8:20:08 PM
gt5149c$32.00$32.002/10/2010 9:57:47 AM
loss-of-control$25.00$25.002/10/2010 3:52:06 PM
Delta-Kilo-7K$25.00$25.002/10/2010 4:09:32 PM
justme4now$25.00$25.002/11/2010 11:49:08 AM
privatebankerva$25.00$25.002/11/2010 9:40:29 AM
PeterPsych$200.00$200.002/11/2010 12:54:00 PM
Lefty_the_Lender$25.00$25.002/11/2010 12:20:28 PM
killdare$25.00$25.002/11/2010 1:52:46 PM
Loan_shark718$50.00$50.002/11/2010 3:46:15 PM
superfunder$50.00$50.002/11/2010 4:26:19 PM
melodious-fairness$25.00$25.002/11/2010 4:55:25 PM
joefoolz$25.00$25.002/11/2010 6:58:30 PM
senorzookeeper$25.00$25.002/11/2010 9:14:13 PM
silvercertificate$25.00$25.002/12/2010 6:11:33 AM
D-N-A_Investments$30.00$30.002/11/2010 5:56:26 PM
Brainworm$25.00$25.002/12/2010 4:14:10 AM
kendigme$32.09$32.092/12/2010 3:09:14 AM
FundsSmith$25.77$25.772/12/2010 4:38:07 AM
poppinkid$25.00$25.002/12/2010 7:23:09 AM
Leshan$25.00$25.002/12/2010 9:44:50 AM
3GuardianAngles$35.00$35.002/12/2010 2:11:05 PM
RobinHood$50.00$50.002/12/2010 11:38:49 AM
mrwonderful272$25.00$25.002/12/2010 11:09:51 AM
twtb19$25.00$25.002/12/2010 12:38:55 PM
three-for-6$104.05$104.052/12/2010 4:55:14 PM
top-fund-shooter$45.00$45.002/13/2010 5:02:52 AM
flyboy21$35.00$35.002/13/2010 7:18:31 AM
r1w$25.00$25.002/13/2010 7:34:09 AM
aquistoyraul$25.00$25.002/13/2010 10:24:57 AM
zodiac100$25.00$25.002/13/2010 7:40:50 AM
helpneachother$25.00$25.002/13/2010 9:56:51 AM
the-silver-blaster$25.00$25.002/13/2010 1:56:02 PM
vulgy$25.00$25.002/13/2010 3:11:43 PM
vest_vortex$25.00$25.002/13/2010 3:47:51 PM
stupiddayjob$47.54$47.542/14/2010 7:32:37 AM
PotBellyPete$75.00$75.002/13/2010 6:40:36 PM
natural-greenback6$25.00$25.002/13/2010 7:16:17 PM
celestwarrior$51.69$51.692/13/2010 8:46:06 PM
lender12345$25.00$25.002/14/2010 12:17:26 PM
sophisticated-ore$500.00$500.002/14/2010 8:40:09 AM
jarf$25.00$25.002/14/2010 8:07:02 PM
Rogelio48$35.00$35.002/14/2010 1:16:59 PM
order-bee1$25.00$25.002/14/2010 12:09:53 PM
VBPlayer$30.00$30.002/14/2010 1:56:32 PM
OGS_Capital$25.00$25.002/15/2010 8:37:06 AM
important-ore$50.00$50.002/15/2010 8:00:32 AM
shrewd-income$50.00$50.002/15/2010 8:03:36 AM
cash-spinner$25.00$25.002/15/2010 6:57:11 AM
friendinmoney$50.00$50.002/15/2010 9:39:41 AM
five-star-note$35.00$35.002/8/2010 9:53:01 AM
mason5$25.00$25.002/8/2010 10:05:07 AM
drg6289$25.00$25.002/8/2010 10:04:07 AM
reflective-rupee$125.00$125.002/8/2010 10:17:12 AM
Yomain$25.00$25.002/8/2010 10:19:08 AM
reflective-rupee$75.00$75.002/8/2010 10:17:27 AM
penny-surgeon$25.00$25.002/8/2010 10:44:01 AM
Maksimus$28.72$28.722/8/2010 10:34:13 AM
head$25.00$25.002/8/2010 10:47:14 AM
dime-neutron$25.00$25.002/8/2010 10:40:03 AM
aasx1108$25.00$25.002/8/2010 10:42:49 AM
UCLA4life$25.00$25.002/8/2010 10:49:34 AM
nojoke411$25.00$25.002/8/2010 10:43:53 AM
ASR3$25.00$25.002/8/2010 10:42:58 AM
Helenska11$25.00$25.002/8/2010 10:43:47 AM
WindyKid$25.00$25.002/8/2010 10:53:20 AM
BlindJoeDeath$25.00$25.002/8/2010 10:46:41 AM
Artist_Blue$25.00$25.002/8/2010 10:54:18 AM
kronosmetis$25.00$25.002/8/2010 10:49:12 AM
red-favorable-basis$25.00$25.002/8/2010 10:47:31 AM
Strato$25.00$25.002/8/2010 10:52:35 AM
dime-beeper$25.00$25.002/8/2010 10:52:40 AM
dollardave$200.00$200.002/8/2010 11:37:15 AM
dslobbs$75.00$75.002/8/2010 1:30:24 PM
KrisKringle$90.00$90.002/8/2010 3:49:18 PM
captainzero$75.00$75.002/8/2010 4:45:01 PM
SolarMoonshine$25.00$25.002/8/2010 5:28:35 PM
orange-value-exec$25.00$25.002/8/2010 6:27:15 PM
asiaratt$100.00$100.002/8/2010 7:08:00 PM
Purposeful$25.00$25.002/8/2010 7:08:21 PM
rooosta$25.00$25.002/8/2010 7:08:16 PM
jfs1179$25.00$25.002/8/2010 7:29:29 PM
glazeddonuts$25.07$25.072/8/2010 7:26:27 PM
unger$50.00$50.002/8/2010 7:53:59 PM
Bob450$50.00$50.002/8/2010 9:52:48 PM
zento$25.00$25.002/8/2010 10:01:47 PM
foothillender$25.00$25.002/9/2010 8:47:57 AM
GreenNotes$36.00$36.002/9/2010 11:03:08 AM
Lambo168$50.00$50.002/9/2010 2:58:12 PM
twerns$40.00$40.002/9/2010 6:59:03 PM
charitycoon$100.00$100.002/9/2010 8:11:13 PM
wadkuzma$25.00$25.002/10/2010 10:32:00 AM
MrPie$25.00$25.002/10/2010 4:52:55 PM
People-for-people$50.00$50.002/10/2010 7:45:48 PM
profreshonal$25.00$25.002/11/2010 8:49:47 AM
spiff666$25.00$25.002/11/2010 10:22:42 AM
KaChingInvestments$25.37$25.372/11/2010 11:40:31 AM
lendaton$25.00$25.002/11/2010 12:08:47 PM
NS_Consult$25.00$25.002/11/2010 3:03:29 PM
the-profit-oracle$25.00$25.002/11/2010 7:49:12 PM
fearless-contract$25.00$25.002/11/2010 7:28:09 PM
LarWit1512$25.00$25.002/12/2010 10:43:25 AM
Snoopylover$25.00$25.002/12/2010 10:58:21 AM
debtcollector$50.00$50.002/12/2010 5:00:48 AM
harddollars$50.00$50.002/12/2010 9:22:11 AM
CashFlow13$500.00$500.002/12/2010 10:49:44 AM
Ambassador$50.00$50.002/12/2010 4:07:36 PM
b0b$25.00$25.002/12/2010 11:52:12 AM
UnkleMike$25.00$25.002/12/2010 1:25:48 PM
AFairDeal$25.00$25.002/12/2010 3:21:01 PM
MoneyMaker249$100.00$100.002/12/2010 5:01:36 PM
rallytime$52.30$52.302/12/2010 9:58:37 PM
AustinAmerica$30.00$30.002/12/2010 11:27:33 PM
Snoclaf$25.00$25.002/14/2010 4:28:33 AM
loss-of-control$25.00$25.002/13/2010 4:22:19 PM
Jamahl$25.00$25.002/14/2010 7:39:38 AM
SnakeV$25.00$25.002/13/2010 6:11:22 PM
Yomain$25.00$25.002/13/2010 11:52:42 PM
Techne_Funds_LLC$25.00$25.002/14/2010 3:29:32 PM
TackingWindward$25.00$25.002/14/2010 8:11:59 AM
preventivepestcontrol$50.00$50.002/14/2010 11:05:02 PM
winger66$50.00$50.002/15/2010 4:19:39 AM
onecooldrink$25.00$25.002/15/2010 12:05:25 AM
DasMula$50.00$50.002/15/2010 9:20:40 AM
nalaari$50.00$50.002/15/2010 7:06:00 AM
umfan123$25.00$25.002/15/2010 6:37:33 AM
social-conductor4$25.00$25.002/15/2010 8:20:50 AM
Engineer44$25.00$25.002/15/2010 9:40:34 AM
169 bids
 
Borrower Payment Dependent Notes Series 445763
This series of Notes was issued and sold upon the funding of the borrower loan #40987, 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:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $249.48
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $245.76
 
Auction yield range: 11.06% - 27.40% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: 25%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:2y 6m
Credit score: 720-739 (Jan-2010) Total credit lines: 6 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $1,430Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dinero-tamer Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Wedding Expenses
Purpose of loan:
This loan will be used to pay wedding expenses for my upcoming ceremony in May 2010. The remaining expenses include catering, special event insurance, and additional reception items. I sincerely ask that you help fund this loan for my fiance' and myself.

My financial situation:
I am a good candidate for this loan because I have a stable income as a teacher. In addition, I have a great repayment history. I have not had a late payment on any of my loans (students and auto). My finace' will also help with the repayment of this loan, if it should be fully funded.

Monthly income (after taxes): $1,917

Monthly expenses:
Rent-$688.75 (split w/ fiance')
Student Loan-$126
Auto Loan-$320.20
Utilities-$70 (average)
Car Insurance-$97.67

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)
Rogelio48$35.00$35.002/8/2010 12:35:31 PM
five-star-note$35.00$35.002/8/2010 12:53:47 PM
radforj22$25.00$25.002/8/2010 1:02:39 PM
dime-neutron$25.00$25.002/8/2010 1:09:49 PM
Yomain$25.00$25.002/8/2010 1:02:47 PM
supreme-bonus0$25.00$25.002/8/2010 1:05:03 PM
Diamond_Jim$25.00$25.002/8/2010 1:14:22 PM
aasx1108$25.00$25.002/8/2010 1:13:08 PM
ASR3$25.00$25.002/8/2010 1:13:14 PM
orange-finance-banker$25.00$25.002/8/2010 1:13:36 PM
supreme-hope$25.00$25.002/8/2010 1:13:46 PM
head$25.00$25.002/8/2010 1:14:26 PM
dime-beeper$25.00$25.002/8/2010 1:16:39 PM
Artist_Blue$25.00$25.002/8/2010 1:17:35 PM
mercuriant$25.00$25.002/8/2010 1:18:20 PM
munoz44$25.00$25.002/8/2010 1:18:47 PM
Havana21$25.00$25.002/8/2010 1:31:40 PM
worthy-bid4$25.00$25.002/8/2010 1:53:57 PM
orange-value-exec$25.00$25.002/8/2010 6:27:16 PM
integrity-doctor$50.00$50.002/8/2010 6:47:09 PM
friendly-worth3$25.00$25.002/8/2010 7:09:34 PM
cmlmiami$100.00$100.002/8/2010 7:10:10 PM
texrob20$25.00$25.002/8/2010 7:10:48 PM
dinero-mason$50.00$50.002/8/2010 7:11:05 PM
PeopleHelpers$25.00$25.002/8/2010 7:11:25 PM
financial-frenzy$25.00$25.002/8/2010 7:11:36 PM
KgBsUcKa$25.00$25.002/8/2010 7:09:43 PM
Mickeyblu$25.00$25.002/8/2010 7:25:58 PM
sentimental-euro$25.00$25.002/8/2010 7:26:42 PM
Msbutterfly$25.00$25.002/8/2010 7:10:00 PM
silver-armada$50.00$50.002/8/2010 7:11:56 PM
StarzRLimit$25.00$25.002/8/2010 7:11:13 PM
scoobiedoo$25.00$25.002/8/2010 7:11:15 PM
note-tent$25.00$25.002/8/2010 7:11:44 PM
life-is-great$25.00$25.002/8/2010 7:11:48 PM
caledonia$25.00$25.002/8/2010 7:26:29 PM
monstersdad$50.00$50.002/8/2010 7:29:32 PM
HoyaHeel$25.00$25.002/8/2010 7:26:02 PM
Headhunter14$25.00$25.002/8/2010 7:26:12 PM
kmfreymi$25.00$25.002/8/2010 7:27:04 PM
Bob450$50.00$50.002/8/2010 9:15:31 PM
czar3$40.00$40.002/9/2010 7:43:19 AM
Helenska11$25.00$25.002/9/2010 11:40:51 AM
loan-fate$25.00$25.002/9/2010 1:08:05 PM
felicity-daydream$50.00$50.002/9/2010 1:43:14 PM
CaliforniaRepublic$25.00$25.002/9/2010 1:56:36 PM
charming-point$300.00$300.002/9/2010 2:42:17 PM
currency-revolutionary$25.00$25.002/9/2010 4:05:59 PM
brodav$50.00$50.002/9/2010 6:05:17 PM
Green-Baron$25.00$25.002/9/2010 8:28:46 PM
loyalty-czar$25.00$25.002/10/2010 12:47:43 PM
poppinkid$25.00$25.002/12/2010 7:24:50 AM
HeroJason86$25.00$25.002/11/2010 5:44:23 PM
skeebuzz$80.00$80.002/11/2010 7:02:00 PM
gadget7$50.67$50.672/12/2010 7:31:06 AM
charitycoon$100.00$100.002/12/2010 11:57:57 AM
vine99$65.00$65.002/13/2010 11:17:02 AM
cassperr$25.00$25.002/13/2010 3:53:49 PM
FinanciallySavvyMom$25.00$25.002/13/2010 12:59:50 PM
PotBellyPete$46.40$46.402/13/2010 6:50:38 PM
zento$25.00$25.002/13/2010 7:46:09 PM
social-conductor4$25.00$25.002/15/2010 8:47:28 AM
Kash2010lu$35.00$35.002/15/2010 11:44:21 AM
exciting-fairness$200.00$200.002/15/2010 12:14:39 PM
supasonic$150.00$150.002/15/2010 9:49:33 AM
falcon88dp$25.00$25.002/8/2010 12:55:37 PM
halothane_logic$25.00$25.002/8/2010 12:59:15 PM
reflective-rupee$250.00$250.002/8/2010 1:04:46 PM
inspiring-reward$50.00$50.002/8/2010 1:11:53 PM
BlindJoeDeath$25.00$25.002/8/2010 1:14:11 PM
red-favorable-basis$25.00$25.002/8/2010 1:14:31 PM
SFBank$200.00$200.002/8/2010 1:26:45 PM
flexible-value$25.00$25.002/8/2010 1:15:15 PM
cashhelp$25.00$25.002/8/2010 1:27:43 PM
twirl2$25.00$25.002/8/2010 1:18:25 PM
play_ultimate$25.00$25.002/8/2010 1:17:44 PM
wampum-chorus3$25.00$25.002/8/2010 1:18:42 PM
dollardave$200.00$200.002/8/2010 1:20:20 PM
SolarMoonshine$25.00$25.002/8/2010 5:36:56 PM
farblest$50.00$50.002/8/2010 5:36:05 PM
fairhelper$25.00$25.002/8/2010 7:10:27 PM
bnlforever$25.00$25.002/8/2010 7:10:41 PM
traveler50$25.00$25.002/8/2010 7:10:50 PM
fcb202$25.00$25.002/8/2010 7:11:01 PM
visionary-currency$50.00$50.002/8/2010 7:11:09 PM
rsb906$25.00$25.002/8/2010 7:11:28 PM
kidsskipp$25.00$25.002/8/2010 7:10:05 PM
GrooveBiz$50.00$50.002/8/2010 7:10:16 PM
Q9-X3$25.00$25.002/8/2010 7:10:19 PM
entrelender$25.00$25.002/8/2010 7:10:30 PM
deegeeman$50.00$50.002/8/2010 7:10:34 PM
Orringo$50.00$50.002/8/2010 7:10:59 PM
misterhobbs$25.00$25.002/8/2010 7:26:03 PM
JandJ-Bank$25.00$25.002/8/2010 7:26:10 PM
fortytwo$50.00$50.002/8/2010 7:26:16 PM
fareast_man$25.00$25.002/8/2010 7:09:46 PM
skuba$25.00$25.002/8/2010 7:09:51 PM
order-boomerang$25.00$25.002/8/2010 7:27:10 PM
teller$25.00$25.002/8/2010 7:27:19 PM
listing-trapper3$50.00$50.002/8/2010 7:11:51 PM
socalavi8tor$25.00$14.932/8/2010 7:27:31 PM
tisgro$25.00$25.002/8/2010 7:10:24 PM
Trimalchio12$25.00$25.002/8/2010 7:10:44 PM
forthright-dedication$100.00$100.002/8/2010 7:10:56 PM
350DGRZ$25.00$25.002/8/2010 7:11:41 PM
ImaPutz$25.00$25.002/8/2010 7:14:20 PM
coolspeed$25.00$25.002/8/2010 7:26:04 PM
gold-sushi$25.00$25.002/8/2010 7:27:06 PM
sharkm$25.00$25.002/8/2010 7:27:30 PM
Astounding$25.00$25.002/8/2010 7:26:53 PM
Cpay2Me$25.00$25.002/8/2010 8:35:23 PM
kwxj61b$146.00$146.002/8/2010 8:02:27 PM
UCLA4life$25.00$25.002/9/2010 12:49:57 AM
foothillender$25.00$25.002/9/2010 8:49:59 AM
reddyloan$50.00$50.002/9/2010 10:14:08 AM
charming-point$300.00$300.002/9/2010 2:41:25 PM
West_End_Local$25.00$25.002/9/2010 5:45:29 PM
Heather11$25.00$25.002/10/2010 4:26:34 AM
Peterman$40.00$40.002/9/2010 8:24:01 PM
JustMee$25.00$25.002/9/2010 8:54:36 PM
himanshuko$25.00$25.002/10/2010 10:03:44 AM
chevy92$50.00$50.002/10/2010 2:29:45 PM
IWANT2HELP$25.00$25.002/10/2010 12:33:11 PM
visionary-loan$25.00$25.002/10/2010 9:08:54 PM
rustysailor$25.00$25.002/11/2010 1:08:12 PM
selfmademan$25.00$25.002/12/2010 7:23:22 AM
Ast24$25.00$25.002/12/2010 1:33:12 PM
BenOrt$25.00$25.002/12/2010 1:27:57 PM
dorypro$25.00$25.002/12/2010 1:45:41 PM
Ambassador$50.00$50.002/12/2010 4:21:23 PM
finance-vault$25.00$25.002/12/2010 9:00:20 PM
aquistoyraul$25.00$25.002/13/2010 12:37:16 PM
loss-of-control$25.00$25.002/13/2010 4:43:36 PM
return-elm$25.00$25.002/13/2010 6:55:54 PM
Rogelio48$35.00$35.002/14/2010 1:22:41 PM
brilliant-balance$25.00$25.002/15/2010 7:24:19 AM
awesome-silver$52.00$52.002/14/2010 11:35:54 PM
cash-spinner$25.00$25.002/15/2010 7:02:46 AM
ore-dojo$25.00$25.002/15/2010 12:29:54 PM
DasMula$50.00$50.002/15/2010 9:24:50 AM
tekstyle38$25.00$25.002/15/2010 11:20:31 AM
141 bids
 
Borrower Payment Dependent Notes Series 445981
This series of Notes was issued and sold upon the funding of the borrower loan #40968, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $132.01
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 22.14% Final monthly payment: $129.89
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1998 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 11Length of status:9y 10m
Credit score: 660-679 (Jan-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,813Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: georgiaman8945 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
680-699 (Jul-2008)
660-679 (Mar-2008)
 
Principal balance: $2,781.13 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
payoff my higher interest credit ca
Purpose of loan:
Payoff my higher interest credit card.
My financial situation:
I am a good candidate for this loan because?i pay my debt on time.?

Monthly net income: $ 65,000.00/year

Monthly expenses: $
??Housing: $ 1350.00
??Insurance: $ 133.00
??Car expenses: $ 345.00
??Utilities: $?200.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radforj22$25.00$25.002/8/2010 1:02:21 PM
zento$25.00$25.002/8/2010 12:53:44 PM
supreme-bonus0$25.00$25.002/8/2010 1:06:28 PM
Havana21$25.00$25.002/8/2010 1:09:25 PM
GoldenTrout$25.00$25.002/8/2010 1:13:31 PM
OCedHrt$25.00$25.002/8/2010 1:18:49 PM
plentiful-reward$50.00$50.002/8/2010 1:14:00 PM
BlindJoeDeath$25.00$25.002/8/2010 1:14:13 PM
Ven58$25.00$25.002/8/2010 1:20:31 PM
Phantom99$25.00$25.002/8/2010 1:16:12 PM
bondhedger$25.00$25.002/8/2010 1:17:00 PM
inspired-contract9$25.00$25.002/8/2010 1:17:10 PM
natural-greenback6$25.00$25.002/8/2010 1:19:02 PM
djc314$25.00$25.002/8/2010 1:18:35 PM
ore-dojo$25.00$25.002/8/2010 1:22:39 PM
nalaari$25.00$25.002/8/2010 1:29:21 PM
studious-listing8$25.00$25.002/8/2010 2:07:12 PM
glimmering-point$25.00$25.002/8/2010 6:25:08 PM
SolarMoonshine$25.00$25.002/8/2010 5:48:27 PM
Erogan5877$25.00$25.002/8/2010 6:24:42 PM
peso-colonel$90.00$90.002/8/2010 6:30:45 PM
duty-sensai$25.00$25.002/8/2010 6:31:14 PM
PeterPsych$25.00$25.002/8/2010 6:32:22 PM
andlifegoeson$25.00$25.002/8/2010 6:33:01 PM
rosario1$25.00$25.002/8/2010 6:33:05 PM
ASR3$25.00$25.002/8/2010 6:33:40 PM
region123$50.00$50.002/8/2010 6:34:03 PM
arcangel72$25.00$25.002/8/2010 6:34:13 PM
mizon291$50.00$50.002/8/2010 6:35:14 PM
gmilliken$25.00$25.002/8/2010 6:35:21 PM
paba_shaba$25.00$25.002/8/2010 6:32:30 PM
GlobalVisionary$25.00$25.002/8/2010 6:32:43 PM
ChicagoBoyz$25.00$25.002/8/2010 6:33:18 PM
investment-comet$25.00$25.002/8/2010 6:33:58 PM
atwaterville$50.00$50.002/8/2010 6:34:29 PM
hope-hickory$25.00$25.002/8/2010 6:35:04 PM
Bank_Of_XL$50.00$50.002/8/2010 9:08:19 PM
Sol_Invictus$25.00$25.002/8/2010 8:03:18 PM
blackstar$25.00$25.002/9/2010 5:45:42 AM
spy0$25.00$25.002/9/2010 7:22:32 AM
pythia$25.00$25.002/9/2010 5:01:57 PM
brodav$50.00$50.002/9/2010 6:07:58 PM
wadkuzma$25.00$25.002/10/2010 10:34:19 AM
lender12345$25.00$25.002/10/2010 6:23:34 PM
Top_Gun_Lender$26.00$26.002/10/2010 9:00:14 PM
Queueball1$25.00$25.002/12/2010 1:22:20 PM
wizard750$30.00$30.002/12/2010 12:23:54 PM
mattblizz$50.00$50.002/12/2010 7:55:36 PM
AustinAmerica$25.00$25.002/12/2010 11:01:36 PM
CashBank$25.00$25.002/13/2010 4:45:48 PM
Yomain$35.00$35.002/14/2010 12:28:43 AM
beaver0206$25.00$25.002/14/2010 8:26:56 AM
113121$25.00$25.002/15/2010 7:05:40 AM
cu2maro$50.00$50.002/15/2010 11:27:01 AM
rate-hickory$25.00$25.002/15/2010 8:01:07 AM
SamuelChee$27.73$27.732/15/2010 11:02:15 AM
jybank$25.00$25.002/15/2010 12:17:08 PM
reflective-cash0$100.00$100.002/8/2010 1:15:33 PM
calm-deal7$25.00$25.002/8/2010 1:16:48 PM
PocketAces$25.00$25.002/8/2010 1:18:01 PM
trade-trumpet$25.00$25.002/8/2010 1:13:39 PM
blooming-market$25.00$25.002/8/2010 1:13:57 PM
chairsitter$25.00$25.002/8/2010 1:14:17 PM
fishintime$25.00$25.002/8/2010 1:19:32 PM
red-favorable-basis$25.00$25.002/8/2010 1:14:44 PM
supreme-hope$25.00$25.002/8/2010 1:14:46 PM
flexible-value$25.00$25.002/8/2010 1:15:25 PM
gracej$25.00$25.002/8/2010 1:15:52 PM
payout-point$50.00$50.002/8/2010 1:17:01 PM
twirl2$25.00$25.002/8/2010 1:18:28 PM
dollardave$200.00$200.002/8/2010 1:20:10 PM
Cypher041$25.00$25.002/8/2010 1:27:20 PM
Dr_M$25.00$25.002/8/2010 6:26:01 PM
michael573114$25.00$25.002/8/2010 6:27:43 PM
KLVLOPZ64$25.00$25.002/8/2010 6:25:30 PM
Sang1963$25.00$25.002/8/2010 6:32:17 PM
Rick7925$25.00$25.002/8/2010 6:34:41 PM
thumper64$35.00$14.772/8/2010 6:35:26 PM
loanfairy$25.00$25.002/8/2010 6:31:01 PM
egw$25.00$25.002/8/2010 6:31:57 PM
cardan97$25.00$25.002/8/2010 6:32:32 PM
JanLal$25.00$25.002/8/2010 6:33:10 PM
MarinLoans$50.00$50.002/8/2010 6:33:29 PM
coin-awakening$26.50$26.502/8/2010 6:33:12 PM
bazaar-utensil7$25.00$25.002/8/2010 6:34:18 PM
PeopleHelpers$50.00$50.002/8/2010 6:34:22 PM
X11_Counsil$25.00$25.002/8/2010 6:34:38 PM
Bob450$50.00$50.002/8/2010 8:33:19 PM
integrity-doctor$50.00$50.002/9/2010 7:29:00 AM
good4loan$25.00$25.002/9/2010 6:53:34 AM
wwwUniversal$25.00$25.002/9/2010 5:25:09 PM
hellasow$25.00$25.002/10/2010 5:40:16 PM
SweatyBalls$50.00$50.002/12/2010 7:09:28 AM
FinanceEngine$25.00$25.002/11/2010 5:32:18 PM
HQLender06851$25.00$25.002/12/2010 7:56:55 AM
dorypro$25.00$25.002/12/2010 1:51:51 PM
Cub4eva$35.00$35.002/12/2010 4:12:55 PM
a_falk22$25.00$25.002/12/2010 2:33:23 PM
Ambassador$25.00$25.002/13/2010 5:13:02 AM
spiff666$25.00$25.002/12/2010 5:18:45 PM
clemclan$40.00$40.002/13/2010 12:57:38 PM
grammaspurse$25.00$25.002/13/2010 7:26:45 PM
bevans$25.00$25.002/13/2010 12:58:29 PM
twjh$25.00$25.002/13/2010 2:37:38 PM
ORteacher$25.00$25.002/13/2010 4:12:43 PM
preventivepestcontrol$75.00$75.002/14/2010 11:25:34 PM
wild-orange$25.00$25.002/15/2010 4:41:01 AM
important-ore$50.00$50.002/15/2010 8:16:12 AM
SkinnyFish$25.00$25.002/15/2010 9:21:03 AM
109 bids
 
Borrower Payment Dependent Notes Series 445985
This series of Notes was issued and sold upon the funding of the borrower loan #40958, 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:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $164.16
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $161.70
 
Auction yield range: 11.06% - 26.40% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1993 Debt/Income ratio: 16%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 8Length of status:3y 3m
Credit score: 640-659 (Feb-2010) Total credit lines: 22 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $11,228Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: return-vista 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 credit card debt incurred from expenses related to leaving my husband. I have been struggling to pay down my current balances, but my debt continues to be revolving after 4 years.? I consistently pay my bills on time and would love to see my payments go toward REDUCING my debt, not just maintaining a balance and paying mostly interest!? I am a hard-working mother of a 10 year-old boy and would like to begin contributing to a college fund for him again as I did when I was living with his father.? I have a vision for this new chapter in our lives that is positive, productive and involves teaching my son about saving money and avoiding debt.? Given this opportunity, I can take a larger step forward instead of inching my way along.

My financial situation:
I am a good candidate for this loan because I am gainfully employed and highly motivated to get out of debt!? My current credit score is directly related to my credit card debt, but once reviewed you can see that I consistently make my payments on time and do my best to pay more than the minimum due.? My performance at work has resulted in an increase in pay within the last year, awarded even during a pay increase freeze at our company.? My employers wanted to reward me for my hard work, as well as insure that I would continue to work for them.? I feel very secure in my position and see only opportunity for advancement in my future.

Monthly net income: 2700

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 40
??Car expenses: $50
??Utilities: $ 60
??Phone, cable, internet: $80
??Food, entertainment: $ 50
??Clothing, household expenses $100
??Credit cards and other loans: $ 650
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
five-star-note$40.00$40.002/8/2010 12:35:11 PM
supreme-bonus0$25.00$25.002/8/2010 1:04:59 PM
halothane_logic$25.00$25.002/8/2010 12:59:12 PM
SweetHoneyPot$25.00$25.002/8/2010 1:09:19 PM
Havana21$25.00$25.002/8/2010 1:13:15 PM
Helenska11$25.00$25.002/8/2010 1:13:21 PM
penny-surgeon$25.00$25.002/8/2010 1:13:27 PM
InChicago$25.00$25.002/8/2010 1:13:40 PM
aasx1108$25.00$25.002/8/2010 1:13:06 PM
orange-finance-banker$25.00$25.002/8/2010 1:13:33 PM
supreme-hope$25.00$25.002/8/2010 1:13:43 PM
munoz44$25.00$25.002/8/2010 1:18:45 PM
BlindJoeDeath$25.00$25.002/8/2010 1:14:03 PM
red-favorable-basis$25.00$25.002/8/2010 1:14:34 PM
Phantom99$25.00$25.002/8/2010 1:16:21 PM
dime-beeper$25.00$25.002/8/2010 1:16:34 PM
Artist_Blue$25.00$25.002/8/2010 1:17:38 PM
play_ultimate$25.00$25.002/8/2010 1:17:42 PM
twirl2$25.00$25.002/8/2010 1:18:22 PM
Dr_M$25.00$25.002/8/2010 1:19:48 PM
building_community$25.00$25.002/8/2010 1:20:32 PM
enigmallc$25.00$25.002/8/2010 1:29:14 PM
himanshuko$25.00$25.002/8/2010 1:30:29 PM
kkcoolmom$50.00$50.002/8/2010 2:23:45 PM
famous-bill$25.00$25.002/8/2010 6:28:32 PM
oldmora$50.00$50.002/8/2010 6:29:47 PM
seisen$50.00$50.002/8/2010 6:29:43 PM
yeti888$25.00$25.002/8/2010 6:29:55 PM
worldly-gold$25.00$25.002/8/2010 6:36:31 PM
integrity-doctor$50.00$50.002/8/2010 6:47:06 PM
WindyKid$25.00$25.002/8/2010 6:45:46 PM
rock-turner$50.00$50.002/8/2010 7:01:27 PM
mtquan$25.00$25.002/8/2010 7:01:12 PM
natural-greenback6$25.00$25.002/8/2010 7:01:21 PM
zipemdown$25.00$25.002/8/2010 7:01:35 PM
WalnutCreekguy$25.00$25.002/8/2010 7:01:55 PM
fuzed$25.00$25.002/8/2010 7:02:25 PM
order-bee1$25.00$25.002/9/2010 10:20:20 AM
deal-hickory5$250.00$250.002/9/2010 3:29:00 PM
GyJAV_BNCCo$25.00$25.002/9/2010 5:18:38 PM
charming-point$300.00$300.002/11/2010 12:44:35 PM
blLending$25.00$25.002/12/2010 11:14:56 AM
spiff666$25.00$25.002/12/2010 5:20:36 PM
PeterPsych$200.00$200.002/13/2010 8:42:04 AM
LoanerPrincipal$50.00$50.002/14/2010 12:26:32 AM
marinbb$50.00$50.002/14/2010 8:53:29 PM
Techne_Funds_LLC$25.00$25.002/14/2010 3:40:37 PM
wild-orange$25.00$25.002/15/2010 4:41:41 AM
unger$50.00$50.002/15/2010 9:49:34 AM
jybank$25.00$25.002/15/2010 12:18:33 PM
radforj22$25.00$25.002/8/2010 1:02:35 PM
AF-Chief$28.00$28.002/8/2010 1:14:58 PM
ASR3$25.00$25.002/8/2010 1:13:10 PM
Diamond_Jim$25.00$25.002/8/2010 1:14:19 PM
jscig$50.00$50.002/8/2010 1:19:51 PM
dollardave$200.00$200.002/8/2010 1:20:17 PM
Hothornman$25.00$25.002/8/2010 1:14:53 PM
kronosmetis$25.00$25.002/8/2010 1:15:31 PM
wampum-chorus3$25.00$25.002/8/2010 1:18:40 PM
social-conductor4$25.00$25.002/8/2010 6:21:05 PM
SolarMoonshine$25.00$25.002/8/2010 5:58:51 PM
jtodd37$25.00$25.002/8/2010 6:20:33 PM
orange-preeminant-bill$100.00$100.002/8/2010 6:30:12 PM
Kaj$25.00$25.002/8/2010 6:25:24 PM
treasure-bliss$100.00$100.002/8/2010 6:30:02 PM
rosario1$25.00$25.002/8/2010 6:31:36 PM
autonomous-basis$25.00$25.002/8/2010 6:35:50 PM
falcon88dp$25.00$25.002/8/2010 7:00:42 PM
michael573114$25.00$25.002/8/2010 7:00:48 PM
zippy-interest$25.00$25.002/8/2010 7:01:05 PM
GatorBux$25.00$25.002/8/2010 7:01:39 PM
industrious-dedication$25.00$25.002/8/2010 7:01:51 PM
LBOregon$25.00$25.002/8/2010 7:02:10 PM
mizon291$50.00$50.002/8/2010 7:00:32 PM
nourishing-hope835$25.00$25.002/8/2010 7:01:19 PM
kmr2$100.00$100.002/8/2010 7:02:01 PM
Rattlehead$25.00$25.002/8/2010 7:00:57 PM
wampum-proton$25.00$2.002/8/2010 7:02:14 PM
mercuriant$25.00$25.002/8/2010 7:14:31 PM
vine99$40.00$40.002/8/2010 7:09:19 PM
Bob450$25.00$25.002/8/2010 8:32:25 PM
zento$25.00$25.002/8/2010 10:07:33 PM
UCLA4life$25.00$25.002/9/2010 12:50:03 AM
privatebankerva$25.00$25.002/9/2010 7:30:13 AM
wanna-help$25.00$25.002/9/2010 11:40:43 AM
dt_one$25.00$25.002/9/2010 10:54:35 AM
loan-fate$25.00$25.002/9/2010 3:54:31 PM
LuvToLend$25.00$25.002/9/2010 11:41:57 PM
hellasow$25.00$25.002/10/2010 5:33:04 PM
NS_Consult$25.00$25.002/11/2010 3:21:43 PM
dorypro$25.00$25.002/12/2010 1:52:21 PM
Montgomery-Burns$25.00$25.002/13/2010 12:43:44 PM
malomar66$40.00$40.002/14/2010 10:16:57 PM
nalaari$50.00$50.002/15/2010 7:19:07 AM
ultimate-peace$250.00$250.002/15/2010 12:09:59 PM
Leshan$25.00$25.002/15/2010 12:34:18 PM
96 bids
 
Borrower Payment Dependent Notes Series 446255
This series of Notes was issued and sold upon the funding of the borrower loan #41002, 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:  Feb-16-2010 
  Auction end date:  Feb-20-2010 
 
Starting lender yield: 30.23% Starting borrower rate/APR: 31.23% / 33.63% Starting monthly payment: $258.77
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $245.76
 
Auction yield range: 11.05% - 30.23% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1997 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:17y 11m
Credit score: 680-699 (Feb-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,433Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: a-yield-escalator 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 oof my credit cards
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)
Acid$25.00$25.002/16/2010 9:11:41 AM
Hokiemon$25.00$25.002/16/2010 9:12:02 AM
imlosttoo$25.00$25.002/16/2010 9:13:14 AM
zeelender$25.00$25.002/16/2010 9:14:48 AM
gustavzantanon$39.21$39.212/16/2010 9:15:05 AM
Simonsez808$25.00$25.002/16/2010 9:15:56 AM
tuneman1980$25.00$25.002/16/2010 9:16:30 AM
p2ploan-lion$25.00$25.002/16/2010 9:12:20 AM
teejay411$100.00$100.002/16/2010 9:12:46 AM
ChuckieG$44.26$44.262/16/2010 9:13:21 AM
Central_States_Mutual$25.00$25.002/16/2010 9:13:08 AM
lending-bear$25.00$25.002/16/2010 9:22:23 AM
jga516$25.00$25.002/16/2010 9:23:03 AM
YellowJacket$25.00$25.002/16/2010 9:14:49 AM
TheColoradoDon$25.00$25.002/16/2010 9:15:47 AM
GMPK_TLAS$25.00$25.002/16/2010 9:15:54 AM
AF-Chief$28.00$28.002/16/2010 9:25:04 AM
bajangal$25.00$25.002/16/2010 9:18:59 AM
desertoasis$25.00$25.002/16/2010 9:25:26 AM
social-conductor4$25.00$25.002/16/2010 9:19:18 AM
orange-preeminant-bill$100.00$100.002/16/2010 9:19:43 AM
fostaman$25.00$25.002/16/2010 9:20:24 AM
Yaj$25.00$25.002/16/2010 9:20:40 AM
kidsskipp$25.00$25.002/16/2010 9:26:22 AM
dinero-mason$50.00$50.002/16/2010 9:26:44 AM
jlr613$25.00$25.002/16/2010 9:22:12 AM
fortytwo$50.00$50.002/16/2010 9:27:10 AM
skro$25.00$25.002/16/2010 9:27:20 AM
KevinC_63366$25.00$25.002/16/2010 9:27:24 AM
Orringo$50.00$50.002/16/2010 9:22:18 AM
wise-silver-wonder$50.00$50.002/16/2010 9:22:52 AM
FeedTheMachine$200.00$200.002/16/2010 9:28:00 AM
treasure-bliss$100.00$100.002/16/2010 9:24:02 AM
LuvToLend$25.00$25.002/16/2010 9:28:25 AM
Havana21$50.00$50.002/16/2010 9:25:12 AM
rhin0cerx$50.00$50.002/16/2010 9:26:04 AM
fareast_man$25.00$25.002/16/2010 9:26:13 AM
GrooveBiz$50.00$50.002/16/2010 9:26:26 AM
StarzRLimit$25.00$25.002/16/2010 9:26:48 AM
silver-armada$50.00$50.002/16/2010 9:27:08 AM
asmithj$50.00$50.002/16/2010 9:27:17 AM
natecam$25.00$25.002/16/2010 9:27:28 AM
hc90474$25.00$25.002/16/2010 9:27:26 AM
Geldmeister$25.00$25.002/16/2010 9:27:40 AM
silverloan$25.00$25.002/16/2010 9:32:17 AM
puifais$25.00$25.002/16/2010 9:27:50 AM
Dubbs360$100.00$100.002/16/2010 9:28:23 AM
Learning2Lend$50.00$50.002/16/2010 9:28:47 AM
natural-greenback6$25.00$25.002/16/2010 9:36:35 AM
circuitfive$25.00$25.002/16/2010 9:36:52 AM
marketplace-achievement$25.00$25.002/16/2010 9:32:19 AM
Tasmir$25.00$25.002/16/2010 9:32:22 AM
exact-loan5$30.00$30.002/16/2010 9:37:51 AM
compassion-lotus5$25.00$25.002/16/2010 9:33:07 AM
bowdish1$50.00$50.002/16/2010 9:38:09 AM
jonbozeman$25.00$25.002/16/2010 9:38:21 AM
econman1$25.00$25.002/16/2010 9:34:13 AM
anton$150.00$150.002/16/2010 9:35:31 AM
unk1911$25.00$25.002/16/2010 9:35:23 AM
rock-turner$100.00$100.002/16/2010 9:36:39 AM
kmr2$100.00$100.002/16/2010 9:36:47 AM
twirl2$25.00$25.002/16/2010 9:36:07 AM
merriewold$25.00$25.002/16/2010 9:37:26 AM
GElender$25.00$25.002/16/2010 9:37:35 AM
theprince$25.00$25.002/16/2010 9:37:56 AM
delivery$25.00$25.002/16/2010 9:37:15 AM
time4aloan$30.00$30.002/16/2010 9:37:20 AM
hope-equation$50.00$50.002/16/2010 9:38:23 AM
loan-master996$50.00$50.002/16/2010 9:37:45 AM
WBB21$25.00$25.002/16/2010 9:38:29 AM
BankME$25.00$25.002/16/2010 9:38:05 AM
orange-courageous-dedication$30.00$30.002/16/2010 9:38:51 AM
elegant-loot$25.00$25.002/16/2010 9:38:33 AM
value-pole$25.00$25.002/16/2010 9:38:39 AM
UCLA4life$25.00$25.002/16/2010 10:37:36 AM
SolarMoonshine$50.00$50.002/16/2010 5:31:33 PM
FinDoc$25.00$25.002/17/2010 7:36:36 AM
JiggaJoeyS$100.00$100.002/18/2010 4:34:38 PM
unger$50.00$50.002/19/2010 3:56:15 PM
wbp$25.00$25.002/19/2010 4:20:27 PM
dmh4880$90.00$90.002/16/2010 9:12:48 AM
MARWARISETH$25.00$25.002/16/2010 9:13:41 AM
majorf2136$25.00$25.002/16/2010 9:19:02 AM
andrewrobison$25.00$25.002/16/2010 9:11:59 AM
Supernick$25.00$25.002/16/2010 9:20:33 AM
Ragnar$25.00$25.002/16/2010 9:12:33 AM
PaulW$25.00$25.002/16/2010 9:13:02 AM
noble-revenue$100.00$100.002/16/2010 9:22:26 AM
kginatl$38.62$38.622/16/2010 9:14:28 AM
SnE$25.00$25.002/16/2010 9:14:42 AM
Kaj$25.00$25.002/16/2010 9:23:13 AM
compsciman$50.00$50.002/16/2010 9:15:59 AM
seisen$100.00$100.002/16/2010 9:23:53 AM
charles3507$30.86$30.862/16/2010 9:19:00 AM
eronyc$25.00$25.002/16/2010 9:19:05 AM
TheCount$25.00$25.002/16/2010 9:19:26 AM
AceInTheHole$25.00$25.002/16/2010 9:20:05 AM
SpareChangeHero$25.00$25.002/16/2010 9:26:47 AM
life-is-great$25.00$25.002/16/2010 9:27:02 AM
yeti888$25.00$25.002/16/2010 9:24:01 AM
oldmora$25.00$25.002/16/2010 9:23:55 AM
F16Pilot$25.00$25.002/16/2010 9:28:26 AM
forthright-dedication$100.00$100.002/16/2010 9:28:43 AM
skuba$25.00$25.002/16/2010 9:26:16 AM
bnlforever$25.00$25.002/16/2010 9:26:37 AM
traveler50$25.00$25.002/16/2010 9:26:43 AM
deegeeman$50.00$50.002/16/2010 9:26:36 AM
350DGRZ$25.00$25.002/16/2010 9:26:56 AM
note-tent$25.00$25.002/16/2010 9:26:59 AM
listing-trapper3$50.00$50.002/16/2010 9:27:05 AM
RISK-VERSUS-RETURN$25.00$25.002/16/2010 9:27:14 AM
gavinfh$25.00$25.002/16/2010 9:27:46 AM
saffron4$50.00$50.002/16/2010 9:27:53 AM
efficient-principal$25.00$25.002/16/2010 9:32:26 AM
GatorBux$25.00$25.002/16/2010 9:28:18 AM
reward-walnut$25.00$25.002/16/2010 9:28:46 AM
SweetHoneyPot$25.00$25.002/16/2010 9:29:04 AM
supreme-bonus0$25.00$25.002/16/2010 9:35:44 AM
BlindJoeDeath$25.00$25.002/16/2010 9:35:52 AM
Diamond_Jim$25.00$25.002/16/2010 9:35:55 AM
cloud8$25.00$25.002/16/2010 9:31:22 AM
Rattlehead$25.00$25.002/16/2010 9:36:31 AM
bountiful-bazaar$25.00$25.002/16/2010 9:37:08 AM
intrepid-transaction5$25.00$25.002/16/2010 9:37:31 AM
secobarbital$25.00$25.002/16/2010 9:37:41 AM
LongTail$25.00$25.002/16/2010 9:33:22 AM
topher515$25.00$25.002/16/2010 9:33:30 AM
wise-courageous-social$25.00$25.002/16/2010 9:35:16 AM
rlgnyc$100.00$100.002/16/2010 9:35:28 AM
deal-hickory5$25.00$25.002/16/2010 9:35:42 AM
head$25.00$25.002/16/2010 9:35:56 AM
MONEYMATCH$25.00$25.002/16/2010 9:35:22 AM
supreme-hope$25.00$25.002/16/2010 9:35:49 AM
red-favorable-basis$25.00$25.002/16/2010 9:36:00 AM
flexible-value$25.00$25.002/16/2010 9:36:03 AM
PatRichi$25.00$25.002/16/2010 9:36:48 AM
benefit-squirrel$25.00$25.002/16/2010 9:36:58 AM
Shepherd7$25.00$25.002/16/2010 9:37:03 AM
integrity-doctor$50.00$50.002/16/2010 9:36:20 AM
steves73$25.00$25.002/16/2010 9:37:32 AM
delicious-social132$25.00$25.002/16/2010 9:37:12 AM
balance-hercules$100.00$100.002/16/2010 9:38:00 AM
kindness-percolator5$25.00$25.002/16/2010 9:38:03 AM
Cai8899$30.00$30.002/16/2010 9:38:16 AM
nourishing-interest0$25.00$25.002/16/2010 9:38:26 AM
blooming-dedication$50.00$50.002/16/2010 9:38:54 AM
personal-lender$25.00$25.002/16/2010 9:38:44 AM
Zolton$200.00$34.052/16/2010 9:39:00 AM
Bob450$25.00$25.002/16/2010 7:51:14 PM
dollardave$100.00$100.002/17/2010 1:43:16 PM
penny-surgeon$25.00$25.002/18/2010 11:07:42 AM
leverage-monger$25.00$25.002/19/2010 7:16:37 AM
eod_man$125.00$125.002/19/2010 9:38:43 AM
ds5184$25.00$25.002/19/2010 11:41:37 AM
payout-bridge$50.00$50.002/19/2010 4:00:06 PM
b-rent$25.00$25.002/19/2010 4:21:27 PM
truelumen$25.00$25.002/20/2010 4:41:31 AM
157 bids
 
Borrower Payment Dependent Notes Series 446613
This series of Notes was issued and sold upon the funding of the borrower loan #40971, 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:  Feb-16-2010 
  Auction end date:  Feb-23-2010 
 
Starting lender yield: 8.39% Starting borrower rate/APR: 9.39% / 11.49% Starting monthly payment: $223.87
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $223.25
 
Auction yield range: 4.05% - 8.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1987 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 23 / 21Length of status:9y 1m
Credit score: 760-779 (Feb-2010) Total credit lines: 43 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $30,939Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: proud-loot3 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
Consolidate BOA accounts
Purpose of loan:
This loan will be used to? reduce the current interest rate being charged by Bank of America on two accounts and allow me to continue to make payments as scheduled while reducing my overall unsecured debt.? Bank of America is not willing to reduce my current interest rate.
My financial situation:
I am a good candidate for this loan because? I have a demonstrated ability to make payments as scheduled that are greater than the minimum payment.
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)
unk1911$25.00$25.002/16/2010 9:23:20 AM
Hokiemon$75.00$75.002/16/2010 9:17:53 AM
skuba$25.00$25.002/16/2010 9:23:39 AM
desertoasis$25.00$25.002/16/2010 9:25:48 AM
fund-guild$50.00$50.002/16/2010 9:30:38 AM
xrycac$25.00$25.002/16/2010 9:32:38 AM
AF-Chief$27.00$27.002/16/2010 9:34:23 AM
cberthiaume$25.00$25.002/16/2010 9:32:48 AM
leverage-holly$25.00$25.002/16/2010 9:33:17 AM
compassion-lotus5$25.00$25.002/16/2010 9:33:03 AM
egw$25.00$25.002/16/2010 9:45:53 AM
nourishing-interest0$25.00$25.002/16/2010 9:46:49 AM
lloyd_s$25.00$25.002/16/2010 9:49:12 AM
time4aloan$50.00$50.002/16/2010 9:49:44 AM
calm-deal7$25.00$25.002/16/2010 9:44:22 AM
Cai8899$50.00$50.002/16/2010 9:50:49 AM
inspired-contract9$25.00$25.002/16/2010 9:44:39 AM
elevated-platinum5$50.00$50.002/16/2010 9:51:13 AM
Supernick$25.00$25.002/16/2010 9:45:26 AM
loan-master996$50.00$50.002/16/2010 9:51:56 AM
jrbill1998$50.00$50.002/16/2010 9:52:22 AM
upbeat-investment9$25.00$25.002/16/2010 9:52:32 AM
Pizza-man$50.00$50.002/16/2010 9:53:23 AM
credit-kahuna$100.00$100.002/16/2010 9:53:35 AM
orgy63$25.00$25.002/16/2010 9:47:04 AM
niskyfranchise$25.00$25.002/16/2010 9:47:49 AM
friendly-worth3$25.00$25.002/16/2010 9:48:00 AM
orange-courageous-dedication$30.00$30.002/16/2010 9:48:23 AM
personal-lender$25.00$25.002/16/2010 9:48:33 AM
larrybird$100.00$100.002/16/2010 9:55:11 AM
value-pole$25.00$25.002/16/2010 9:49:31 AM
bowdish1$100.00$100.002/16/2010 9:56:46 AM
jigsaw$100.00$100.002/16/2010 9:57:42 AM
bonafide-cash$50.00$50.002/16/2010 9:57:50 AM
psztnrw$100.00$100.002/16/2010 9:51:47 AM
paymentologist$25.00$25.002/16/2010 9:52:57 AM
peerlender$30.00$30.002/16/2010 9:54:10 AM
bchen78875$25.00$25.002/16/2010 9:54:36 AM
asset-equilibrium0$25.00$25.002/16/2010 10:00:20 AM
hyetech$35.00$35.002/16/2010 9:56:08 AM
tom48l$25.00$25.002/16/2010 9:56:17 AM
currency-oak$25.00$25.002/16/2010 10:00:42 AM
Fiimg$50.00$50.002/16/2010 10:01:39 AM
tntbuzz$25.00$25.002/16/2010 9:57:17 AM
gjh37$25.00$25.002/16/2010 9:57:30 AM
torion$25.00$25.002/16/2010 9:58:05 AM
zippy-interest$25.00$25.002/16/2010 9:59:40 AM
Archchancellor$25.00$25.002/16/2010 9:59:27 AM
best-deal-banker$25.00$25.002/16/2010 10:00:06 AM
gracej$25.00$25.002/16/2010 10:06:31 AM
friendly-market5$25.00$25.002/16/2010 10:00:32 AM
foxy-fund$50.00$50.002/16/2010 10:01:55 AM
Josta$50.00$50.002/16/2010 10:02:08 AM
taxman1971$25.00$25.002/16/2010 10:07:29 AM
market-banshee$25.00$25.002/16/2010 10:07:32 AM
THREE-POINTS-LENDING$25.00$25.002/16/2010 10:11:08 AM
supreme-bonus0$25.00$25.002/16/2010 10:11:31 AM
klinebarger$25.00$25.002/16/2010 10:11:49 AM
intently$25.00$25.002/16/2010 10:12:01 AM
senorzookeeper$25.00$25.002/16/2010 10:12:20 AM
silverloan$50.00$50.002/16/2010 10:13:02 AM
rosario1$25.00$16.482/16/2010 10:13:56 AM
HHP$25.00$25.002/16/2010 10:08:27 AM
atmaan$25.00$25.002/16/2010 10:08:35 AM
capital-web7$25.00$25.002/16/2010 10:09:18 AM
Dakota98$50.00$50.002/16/2010 10:09:36 AM
currency-agave$25.00$25.002/16/2010 10:10:53 AM
TennSquire$25.00$25.002/16/2010 10:10:50 AM
superfunder$25.00$25.002/16/2010 10:11:22 AM
gavinfh$25.00$25.002/16/2010 10:12:39 AM
triumph329$35.00$35.002/16/2010 10:12:54 AM
loans4u2$25.00$25.002/16/2010 10:13:23 AM
webfeet$25.00$25.002/17/2010 7:11:48 AM
durability-halibut$25.00$25.002/17/2010 5:31:18 PM
Dr_Starchildren$25.00$25.002/18/2010 10:24:28 AM
Loan-trust25$35.32$35.322/18/2010 6:53:42 PM
Dollars4Rent$25.00$25.002/19/2010 12:36:16 PM
felicity-loyalist0$100.00$100.002/19/2010 8:33:32 PM
SS123$25.00$25.002/19/2010 4:54:05 PM
1SteelerFan$40.00$40.002/20/2010 10:43:00 AM
balance-chestnut$50.00$50.002/20/2010 7:23:44 AM
payout-magician$30.00$30.002/20/2010 2:04:55 PM
historyman$25.00$25.002/20/2010 4:26:59 PM
knowonder$30.86$30.862/20/2010 11:27:30 PM
mglanham$36.08$36.082/21/2010 5:54:29 AM
JM-Sarawak$25.00$25.002/21/2010 8:21:30 AM
Goodlender42$25.00$25.002/21/2010 6:18:45 AM
orangefob7$25.00$25.002/21/2010 4:47:57 PM
Damostuff$50.00$50.002/21/2010 10:19:47 PM
credit-vinyl$25.00$25.002/22/2010 9:10:42 AM
shellstar$25.00$25.002/22/2010 10:48:06 AM
SeaLoans$25.00$25.002/22/2010 12:55:35 PM
Astyanax$25.00$25.002/22/2010 1:12:55 PM
rce1964$25.00$25.002/22/2010 12:54:50 PM
nhm$25.00$25.002/22/2010 5:42:07 PM
manugee$50.00$50.002/22/2010 7:31:37 PM
JerryB96$25.00$25.002/22/2010 8:37:47 PM
TBCapitol$50.00$50.002/22/2010 9:17:56 PM
Nicedad72$25.00$25.002/23/2010 4:34:44 AM
lounges$25.00$25.002/16/2010 9:15:03 AM
3am-preacher$25.00$25.002/16/2010 9:18:20 AM
marketplace-achievement$50.00$50.002/16/2010 9:34:55 AM
Syzygy$25.00$25.002/16/2010 9:41:04 AM
BlindJoeDeath$25.00$25.002/16/2010 9:42:53 AM
macjp123$25.00$25.002/16/2010 9:46:39 AM
natural-greenback6$25.00$25.002/16/2010 9:40:39 AM
radforj22$25.00$25.002/16/2010 9:41:44 AM
progressive-asset$100.00$100.002/16/2010 9:47:22 AM
red-favorable-basis$25.00$25.002/16/2010 9:43:09 AM
supreme-hope$25.00$25.002/16/2010 9:43:22 AM
Kaj$25.00$25.002/16/2010 9:48:51 AM
flexible-value$26.00$26.002/16/2010 9:43:41 AM
anton$250.00$250.002/16/2010 9:45:14 AM
peso-colonel$90.00$90.002/16/2010 9:45:43 AM
Rick7925$25.00$25.002/16/2010 9:46:10 AM
theprince$25.00$25.002/16/2010 9:46:21 AM
bold-bright-currency$25.00$25.002/16/2010 9:47:37 AM
gulch$25.00$25.002/16/2010 9:54:51 AM
xstreamin$25.00$25.002/16/2010 9:55:57 AM
rooosta$25.00$25.002/16/2010 9:49:55 AM
reward-adventure$25.00$25.002/16/2010 9:56:26 AM
Carpetkid$25.00$25.002/16/2010 9:56:33 AM
delicious-social132$25.00$25.002/16/2010 9:50:23 AM
impeccable-transparency$75.00$75.002/16/2010 9:51:31 AM
Speculator$50.00$50.002/16/2010 9:50:33 AM
cpaphoto$25.00$25.002/16/2010 9:57:01 AM
Ranch88$25.00$25.002/16/2010 9:58:21 AM
hitsman$50.00$50.002/16/2010 9:53:48 AM
duty-monger$50.00$50.002/16/2010 9:53:52 AM
money-maniac$50.00$50.002/16/2010 10:00:12 AM
The-CAPS-fan$30.00$30.002/16/2010 9:55:34 AM
Clambake$50.00$50.002/16/2010 9:55:41 AM
anders94$25.00$25.002/16/2010 9:56:53 AM
red-undaunted-kindness$100.00$100.002/16/2010 10:01:18 AM
luckyldy$35.00$35.002/16/2010 9:57:09 AM
wampum-proton$25.00$25.002/16/2010 10:02:17 AM
BigBoy2008$25.00$25.002/16/2010 9:58:58 AM
invest0r$25.00$25.002/16/2010 9:58:49 AM
top-silver-american$25.00$25.002/16/2010 9:59:09 AM
kaiger$25.00$25.002/16/2010 9:59:34 AM
market-path$50.00$50.002/16/2010 9:59:49 AM
Aimvest$25.00$25.002/16/2010 9:59:59 AM
Avala$50.00$50.002/16/2010 10:00:50 AM
Lambo168$25.00$25.002/16/2010 10:06:08 AM
kegs$100.00$100.002/16/2010 10:01:46 AM
rcc7$25.00$25.002/16/2010 10:06:54 AM
PRGuyinVA$25.00$25.002/16/2010 10:01:11 AM
boater01$50.00$50.002/16/2010 10:02:03 AM
apostle901$25.00$25.002/16/2010 10:07:45 AM
lowrate$25.00$25.002/16/2010 10:02:25 AM
rudyindc$25.00$25.002/16/2010 10:08:17 AM
helpinghand63$50.00$50.002/16/2010 10:10:25 AM
balance6$25.00$25.002/16/2010 10:11:45 AM
hizzy$25.00$25.002/16/2010 10:04:50 AM
creative-gold$25.00$25.002/16/2010 10:12:35 AM
Havana21$50.00$50.002/16/2010 10:06:25 AM
charming-point$300.00$300.002/16/2010 10:07:04 AM
andlifegoeson$25.00$25.002/16/2010 10:13:54 AM
plentiful-reward$50.00$50.002/16/2010 10:06:48 AM
13loans$25.00$25.002/16/2010 10:07:23 AM
compassion-bauble4$25.00$25.002/16/2010 10:09:26 AM
PocketAces$25.00$25.002/16/2010 10:10:45 AM
auction-turbine4$25.00$25.002/16/2010 10:11:12 AM
forthright-dedication$50.00$50.002/16/2010 10:11:41 AM
sequoiapacific$25.00$25.002/16/2010 10:13:21 AM
bondhedger$25.00$25.002/16/2010 1:20:44 PM
dontscrewmeover1$25.00$25.002/16/2010 6:11:08 PM
RandyL3$50.00$50.002/17/2010 11:46:07 AM
RadarLuv$25.00$25.002/19/2010 10:21:15 PM
BankofBeth$25.00$25.002/19/2010 10:29:36 PM
dmitriy2$25.00$25.002/19/2010 11:34:16 PM
RyanTH9893$25.00$25.002/20/2010 8:10:55 PM
stammyc3$25.55$25.552/22/2010 7:29:21 AM
kf88$25.00$25.002/22/2010 9:22:16 AM
credit-panda1$25.00$25.002/22/2010 11:00:13 AM
wwwUniversal$25.00$25.002/22/2010 9:55:21 AM
Machbannai$28.56$28.562/22/2010 12:02:45 PM
Manta_Rai$25.00$25.002/22/2010 3:05:40 PM
BankofPaul$25.00$25.002/22/2010 1:08:49 PM
chopstk$69.15$69.152/22/2010 7:03:55 PM
mhotchan$100.00$100.002/22/2010 10:40:44 PM
agab$25.00$25.002/23/2010 7:05:15 AM
Share-the-wealth$100.00$100.002/23/2010 6:39:35 AM
friendinmoney$25.00$25.002/23/2010 9:07:29 AM
184 bids
 
Borrower Payment Dependent Notes Series 446707
This series of Notes was issued and sold upon the funding of the borrower loan #40993, 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:  Feb-16-2010 
  Auction end date:  Feb-23-2010 
 
Starting lender yield: 8.39% Starting borrower rate/APR: 9.39% / 11.49% Starting monthly payment: $223.87
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $223.25
 
Auction yield range: 4.05% - 8.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2005 Debt/Income ratio: 5%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:9y 8m
Credit score: 740-759 (Feb-2010) Total credit lines: 9 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,272Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: thriller5 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 off my credit cards
Purpose of loan:
This loan will be used to pay off my future credit card debt.? I am currently paying my credit cards on time, however,?because of future plans, I am afraid that I might buy?more than I can pay.?

My financial situation:
I am a good candidate for this loan because I earn a yearly income of $72,000, have been paying credit bills and all bills on time, and have been planning a more precise budgeting system to accumulate savings so that I will not dip into my emergency fund to spend money.
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)
takarlstad$25.00$25.002/16/2010 9:12:27 AM
MARWARISETH$25.00$25.002/16/2010 9:13:26 AM
unk1911$25.00$25.002/16/2010 9:23:25 AM
3am-preacher$25.00$25.002/16/2010 9:18:17 AM
skuba$25.00$25.002/16/2010 9:23:44 AM
lean-velocity$25.00$25.002/16/2010 9:24:15 AM
kenji4861$25.00$25.002/16/2010 9:24:07 AM
AF-Chief$28.00$28.002/16/2010 9:25:18 AM
LandE2BG$25.00$25.002/16/2010 9:31:50 AM
dollar-birdie$30.00$30.002/16/2010 9:29:37 AM
compassion-lotus5$25.00$25.002/16/2010 9:32:59 AM
leverage-holly$25.00$25.002/16/2010 9:33:12 AM
tallmon$25.00$25.002/16/2010 9:33:46 AM
marketplace-achievement$50.00$50.002/16/2010 9:34:50 AM
Cheburashka$25.00$25.002/16/2010 9:39:51 AM
thedoctor$90.00$90.002/16/2010 9:42:30 AM
red-favorable-basis$25.00$25.002/16/2010 9:43:14 AM
bokonon$25.00$25.002/16/2010 9:43:55 AM
inspired-contract9$25.00$25.002/16/2010 9:44:34 AM
egw$25.00$25.002/16/2010 9:45:51 AM
macjp123$25.00$25.002/16/2010 9:46:35 AM
natural-greenback6$25.00$25.002/16/2010 9:40:31 AM
nourishing-interest0$25.00$25.002/16/2010 9:46:44 AM
bold-bright-currency$25.00$25.002/16/2010 9:47:32 AM
BlindJoeDeath$25.00$25.002/16/2010 9:42:49 AM
orange-courageous-dedication$30.00$30.002/16/2010 9:48:20 AM
rooosta$25.00$25.002/16/2010 9:49:50 AM
auction-elvis$25.00$25.002/16/2010 9:44:52 AM
life-is-great$25.00$25.002/16/2010 9:45:00 AM
peso-colonel$90.00$90.002/16/2010 9:45:39 AM
theprince$25.00$25.002/16/2010 9:46:18 AM
LiquidLender$25.00$25.002/16/2010 9:47:12 AM
hitsman$50.00$50.002/16/2010 9:53:44 AM
Kaj$25.00$25.002/16/2010 9:48:48 AM
lloyd_s$25.00$25.002/16/2010 9:49:06 AM
DonaldColorado$25.00$25.002/16/2010 9:50:11 AM
kmr2$100.00$100.002/16/2010 9:50:42 AM
delicious-social132$25.00$25.002/16/2010 9:50:18 AM
elevated-platinum5$50.00$50.002/16/2010 9:51:09 AM
intrepid-transaction5$25.00$25.002/16/2010 9:51:38 AM
luckyldy$35.00$35.002/16/2010 9:57:06 AM
torion$25.00$25.002/16/2010 9:58:01 AM
investor7257$25.00$25.002/16/2010 9:58:27 AM
Maalot20$25.00$25.002/16/2010 9:58:33 AM
paymentologist$25.00$25.002/16/2010 9:52:52 AM
peerlender$30.00$30.002/16/2010 9:54:07 AM
top-silver-american$25.00$25.002/16/2010 9:59:06 AM
Pizza-man$50.00$50.002/16/2010 9:53:20 AM
30Sky$25.00$25.002/16/2010 9:59:13 AM
bchen78875$25.00$25.002/16/2010 9:54:42 AM
gulch$25.00$25.002/16/2010 9:54:48 AM
one-midas$25.00$25.002/16/2010 9:59:44 AM
community-broadcaster$25.00$25.002/16/2010 10:00:25 AM
currency-oak$25.00$25.002/16/2010 10:00:37 AM
xstreamin$25.00$25.002/16/2010 9:55:52 AM
PRGuyinVA$25.00$25.002/16/2010 10:01:07 AM
red-undaunted-kindness$100.00$100.002/16/2010 10:01:16 AM
reward-adventure$25.00$25.002/16/2010 9:56:23 AM
boater01$50.00$50.002/16/2010 10:01:59 AM
wampum-proton$25.00$25.002/16/2010 10:02:21 AM
seangw83$25.00$25.002/16/2010 9:58:30 AM
Katahdin$25.00$25.002/16/2010 9:58:39 AM
cspot$25.00$25.002/16/2010 9:58:45 AM
Ranch88$25.00$25.002/16/2010 9:58:17 AM
invest0r$25.00$25.002/16/2010 9:58:47 AM
peaceful-return2$25.00$25.002/16/2010 9:59:04 AM
market-path$50.00$50.002/16/2010 9:59:46 AM
Archchancellor$25.00$25.002/16/2010 9:59:23 AM
money-maniac$50.00$50.002/16/2010 10:00:10 AM
mlopez2007$25.00$25.002/16/2010 10:05:27 AM
emelia$25.00$25.002/16/2010 10:00:15 AM
top-commitment-champ$25.00$25.002/16/2010 10:01:24 AM
friendly-market5$25.00$25.002/16/2010 10:00:29 AM
market-banshee$25.00$25.002/16/2010 10:07:31 AM
SB-Funding$25.00$25.002/16/2010 10:02:14 AM
market-builder$25.00$25.002/16/2010 10:03:46 AM
hizzy$25.00$25.002/16/2010 10:04:46 AM
iflyforfun$25.00$25.002/16/2010 10:05:16 AM
Lambo168$25.00$25.002/16/2010 10:06:06 AM
-------ing247$25.00$25.002/16/2010 10:06:17 AM
Havana21$50.00$50.002/16/2010 10:06:23 AM
rcc7$25.00$25.002/16/2010 10:06:52 AM
peso-mate$25.00$25.002/16/2010 10:06:59 AM
gracej$25.00$25.002/16/2010 10:06:29 AM
taxman1971$25.00$25.002/16/2010 10:07:26 AM
webfeet$25.00$25.002/19/2010 9:14:51 AM
RyanTH9893$25.00$25.002/20/2010 8:10:59 PM
Lender0307$25.00$25.002/21/2010 8:41:27 PM
lowtricks$50.00$50.002/22/2010 8:51:01 AM
stammyc3$60.00$60.002/22/2010 7:31:11 AM
Barky52$25.00$25.002/22/2010 12:01:53 PM
suburbanman64$40.00$40.002/22/2010 5:15:04 PM
Chef_boy$25.00$25.002/22/2010 8:49:16 PM
Share-the-wealth$100.00$100.002/23/2010 6:43:14 AM
the-commitment-idol$25.00$25.002/16/2010 9:12:59 AM
PaulW$25.00$25.002/16/2010 9:21:48 AM
lounges$25.00$25.002/16/2010 9:14:59 AM
desertoasis$25.00$25.002/16/2010 9:25:43 AM
fund-guild$50.00$50.002/16/2010 9:30:33 AM
cberthiaume$25.00$25.002/16/2010 9:32:44 AM
xrycac$25.00$25.002/16/2010 9:32:33 AM
rpatusa$25.00$25.002/16/2010 9:34:00 AM
calm-deal7$25.00$25.002/16/2010 9:44:17 AM
Supernick$25.00$25.002/16/2010 9:45:31 AM
radforj22$25.00$25.002/16/2010 9:41:34 AM
friendly-worth3$25.00$25.002/16/2010 9:47:57 AM
supreme-hope$25.00$25.002/16/2010 9:42:41 AM
personal-lender$25.00$25.002/16/2010 9:48:40 AM
flexible-value$31.00$31.002/16/2010 9:43:32 AM
bruce3504$25.00$25.002/16/2010 9:44:02 AM
MM1207$25.00$25.002/16/2010 9:50:05 AM
MarcusOcean$25.00$25.002/16/2010 9:44:08 AM
Rick7925$25.00$25.002/16/2010 9:46:06 AM
loan-master996$50.00$50.002/16/2010 9:51:52 AM
integrity-doctor$50.00$50.002/16/2010 9:52:11 AM
jrbill1998$50.00$50.002/16/2010 9:52:19 AM
orgy63$25.00$25.002/16/2010 9:47:02 AM
progressive-asset$100.00$100.002/16/2010 9:47:18 AM
punctual-power7$25.00$25.002/16/2010 9:53:14 AM
wampum-reaction2$25.00$25.002/16/2010 9:46:55 AM
benefit-squirrel$30.00$30.002/16/2010 9:48:15 AM
niskyfranchise$25.00$25.002/16/2010 9:47:46 AM
trumpeter5$25.00$25.002/16/2010 9:54:20 AM
commerce-web5$25.00$25.002/16/2010 9:54:27 AM
Prosp_Lender$50.00$50.002/16/2010 9:55:01 AM
commitment-forte6$25.00$25.002/16/2010 9:55:26 AM
The-CAPS-fan$30.00$30.002/16/2010 9:55:31 AM
value-pole$25.00$25.002/16/2010 9:49:25 AM
time4aloan$50.00$50.002/16/2010 9:49:39 AM
Clambake$50.00$50.002/16/2010 9:55:45 AM
Speculator$50.00$50.002/16/2010 9:50:29 AM
hyetech$35.00$35.002/16/2010 9:56:05 AM
tom48l$25.00$25.002/16/2010 9:56:14 AM
impeccable-transparency$75.00$75.002/16/2010 9:51:23 AM
psztnrw$100.00$100.002/16/2010 9:51:44 AM
Cai8899$50.00$50.002/16/2010 9:50:54 AM
loan-warrior$25.00$25.002/16/2010 9:52:01 AM
maldok1$25.00$25.002/16/2010 9:52:47 AM
credit-kahuna$100.00$100.002/16/2010 9:53:32 AM
upbeat-investment9$25.00$25.002/16/2010 9:52:28 AM
duty-monger$50.00$50.002/16/2010 9:53:56 AM
Aimvest$25.00$25.002/16/2010 9:59:54 AM
Carpetkid$25.00$25.002/16/2010 9:56:36 AM
bowdish1$100.00$100.002/16/2010 9:56:43 AM
cpaphoto$25.00$25.002/16/2010 9:56:59 AM
Fiimg$50.00$50.002/16/2010 10:01:35 AM
tntbuzz$25.00$25.002/16/2010 9:57:15 AM
jigsaw$100.00$100.002/16/2010 9:57:36 AM
lowrate$25.00$25.002/16/2010 10:02:28 AM
gjh37$25.00$25.002/16/2010 9:57:28 AM
bonafide-cash$50.00$50.002/16/2010 9:57:47 AM
djindepth$25.00$25.002/16/2010 9:57:57 AM
BigBoy2008$25.00$25.002/16/2010 9:58:54 AM
rolandweary$30.00$30.002/16/2010 10:04:13 AM
zippy-interest$25.00$25.002/16/2010 9:59:36 AM
kaiger$25.00$25.002/16/2010 9:59:31 AM
anton$150.00$150.002/16/2010 10:05:19 AM
asset-equilibrium0$25.00$25.002/16/2010 10:00:18 AM
commerce-seahorse$25.00$25.002/16/2010 10:05:42 AM
best-deal-banker$25.00$25.002/16/2010 10:00:02 AM
YLlama$25.00$25.002/16/2010 10:05:51 AM
kulender$25.00$25.002/16/2010 10:05:59 AM
foxy-fund$50.00$50.002/16/2010 10:01:51 AM
plentiful-reward$50.00$50.002/16/2010 10:06:46 AM
Avala$50.00$50.002/16/2010 10:00:47 AM
investment-tempo$25.00$25.002/16/2010 10:07:11 AM
kegs$100.00$100.002/16/2010 10:01:48 AM
GrommetPosse$25.00$13.242/16/2010 10:07:41 AM
Josta$50.00$50.002/16/2010 10:02:10 AM
credit-force5$25.00$25.002/16/2010 10:03:05 AM
meenan$25.00$25.002/16/2010 10:02:41 AM
falcon245sp$25.00$25.002/16/2010 10:03:19 AM
social-conductor4$25.00$25.002/16/2010 10:04:31 AM
bigballer105$25.00$25.002/16/2010 10:04:37 AM
honorable-yield$75.00$75.002/16/2010 10:05:06 AM
reward-walnut$25.00$25.002/16/2010 10:05:48 AM
SoCalRancher$25.00$25.002/16/2010 10:06:13 AM
charming-point$300.00$300.002/16/2010 10:07:02 AM
13loans$25.00$25.002/16/2010 10:07:21 AM
currency-persimmon$25.00$25.002/16/2010 10:07:16 AM
SCD$25.00$25.002/16/2010 1:40:11 PM
dontscrewmeover1$25.00$25.002/16/2010 6:12:41 PM
durability-halibut$25.00$25.002/17/2010 5:32:16 PM
RandyL3$50.00$50.002/19/2010 5:20:34 PM
sudeep104$25.00$25.002/19/2010 7:44:20 PM
atomantic$25.00$25.002/22/2010 2:32:16 AM
wwwUniversal$25.00$25.002/22/2010 9:56:52 AM
Charmart$25.00$25.002/23/2010 2:20:43 AM
bxdoc$86.00$86.002/23/2010 6:44:35 AM
golffish2$100.00$100.002/23/2010 7:23:07 AM
persistent-value3$36.76$36.762/23/2010 8:02:22 AM
wise-handy-finance$25.00$25.002/23/2010 8:30:20 AM
192 bids
 
Borrower Payment Dependent Notes Series 446781
This series of Notes was issued and sold upon the funding of the borrower loan #40990, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,700.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-17-2010 
  Auction end date:  Feb-18-2010 
 
Starting lender yield: 9.39% Starting borrower rate/APR: 10.39% / 12.50% Starting monthly payment: $282.32
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $281.54
 
Auction yield range: 4.05% - 9.39% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 5Length of status:1y 6m
Credit score: 760-779 (Feb-2010) Total credit lines: 23 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $1,524Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: upbeat-payout6 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
Buying a car to move home from NYC
So here's my story...I was born and raised in Montana and moved to New York City 3 years ago as a travel nurse where I met the love of my life and got married. Keeping a car in the city is more trouble than it's worth so I sold my car and have used public transportation since then. Now were are getting ready to move back to MT and need a car. I'm pretty frugal so have no interest in throwing away my hard-earned cash on a new car. I found a 2003 Volkswagon Jetta diesel but my bank won't lend the money because the car has too many miles (158,000). The car's engine was completely rebuilt 3,000 miles ago-I saw the receipts totaling $5,000, and these diesel cars easily last 250,000 miles. Of course the bank doesn't take any of this into consideration, they just go by predetermined policies and numbers. I'm hoping that my peers on the net will use more common sense than my bank and help us get home. I have a good credit score and have never even come close to defaulting on a loan, in fact have always paid them off way early. I'm a Registered Nurse so will have no problem finding a job in MT, my wife is an architect so when she finds a job it will also be good. We would easily qualify for a new car, but like I said, I'm too cheap to go that route. Thanks for reading and hope to hear from you soon.
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)
bmarch$50.00$50.002/17/2010 4:10:50 PM
mikeandcat$50.00$50.002/17/2010 4:25:01 PM
red-favorable-basis$25.00$25.002/17/2010 4:26:47 PM
Rick7925$25.00$25.002/17/2010 4:27:25 PM
BigMoney56$25.00$25.002/17/2010 4:27:35 PM
platinum-platoon$25.00$25.002/17/2010 4:28:22 PM
nourishing-interest0$25.00$25.002/17/2010 4:27:46 PM
lloyd_s$25.00$25.002/17/2010 4:28:48 PM
delicious-social132$25.00$25.002/17/2010 4:29:07 PM
Cai8899$50.00$50.002/17/2010 4:29:15 PM
elevated-platinum5$50.00$50.002/17/2010 4:29:23 PM
credit-kahuna$100.00$100.002/17/2010 4:30:02 PM
impeccable-transparency$75.00$75.002/17/2010 4:29:27 PM
peerlender$30.00$30.002/17/2010 4:30:28 PM
Syzygy$25.00$25.002/17/2010 4:24:30 PM
Clambake$50.00$50.002/17/2010 4:30:48 PM
hyetech$35.00$35.002/17/2010 4:31:03 PM
reward-adventure$25.00$25.002/17/2010 4:31:15 PM
invest0r$25.00$25.002/17/2010 4:32:20 PM
gjh37$25.00$25.002/17/2010 4:31:50 PM
top-silver-american$25.00$25.002/17/2010 4:32:27 PM
asset-equilibrium0$25.00$25.002/17/2010 4:32:45 PM
Avala$50.00$50.002/17/2010 4:33:00 PM
best-deal-banker$25.00$25.002/17/2010 4:32:34 PM
friendly-market5$25.00$25.002/17/2010 4:32:49 PM
macjp123$25.00$25.002/17/2010 4:27:41 PM
niskyfranchise$25.00$25.002/17/2010 4:28:12 PM
Havana21$50.00$50.002/17/2010 4:34:53 PM
friendly-worth3$25.00$25.002/17/2010 4:28:17 PM
personal-lender$25.00$25.002/17/2010 4:28:25 PM
Speculator$50.00$50.002/17/2010 4:29:11 PM
iolaire$25.00$25.002/17/2010 4:36:03 PM
senorzookeeper$25.00$25.002/17/2010 4:36:12 PM
duty-monger$50.00$50.002/17/2010 4:30:16 PM
tranquil-diversification8$25.00$25.002/17/2010 4:37:16 PM
head$25.00$25.002/17/2010 4:36:57 PM
KVEER$25.00$25.002/17/2010 4:37:24 PM
Insuredcash$25.00$25.002/17/2010 4:37:22 PM
bowdish1$100.00$100.002/17/2010 4:31:29 PM
don8ter$25.00$25.002/17/2010 4:38:26 PM
J_Galt$25.00$25.002/17/2010 4:37:46 PM
PatriotKnight$25.00$25.002/17/2010 4:37:56 PM
integrity-doctor$50.00$50.002/17/2010 4:38:13 PM
techvet$25.00$25.002/17/2010 4:39:13 PM
torion$25.00$25.002/17/2010 4:32:04 PM
LendDoc$25.00$25.002/17/2010 4:38:44 PM
LandE2BG$25.00$25.002/17/2010 4:39:43 PM
rooosta$25.00$25.002/17/2010 4:38:56 PM
Aeroman32$25.00$25.002/17/2010 4:39:57 PM
DadWarbucks$25.00$25.002/17/2010 4:40:21 PM
radforj22$25.00$25.002/17/2010 4:39:46 PM
Fiimg$50.00$50.002/17/2010 4:33:09 PM
kegs$100.00$100.002/17/2010 4:33:12 PM
cognizant-rate732$50.00$50.002/17/2010 4:40:07 PM
trumpeter5$25.00$25.002/17/2010 4:40:10 PM
allenerb$25.00$25.002/17/2010 4:40:12 PM
Interloper$25.00$25.002/17/2010 4:41:17 PM
Aquani$50.00$50.002/17/2010 4:40:43 PM
resplendent-moola$25.00$25.002/17/2010 4:40:57 PM
commerce-voyager$25.00$25.002/17/2010 4:41:44 PM
heavenly-justice9$75.00$75.002/17/2010 4:41:04 PM
Erogan5877$25.00$25.002/17/2010 4:41:55 PM
jasmarc$25.00$25.002/17/2010 4:42:01 PM
noble-revenue$31.12$31.122/17/2010 4:48:18 PM
cello1$25.00$25.002/17/2010 5:11:52 PM
stanbalwight4$25.00$25.002/17/2010 4:49:16 PM
value-pole$25.00$25.002/17/2010 4:50:41 PM
useful-p2ploan$41.57$41.572/17/2010 5:27:29 PM
blissful-note7$25.00$25.002/17/2010 4:36:47 PM
important-ore$50.00$50.002/17/2010 4:36:54 PM
supreme-bonus0$25.00$25.002/17/2010 5:30:40 PM
Pookie22$50.00$50.002/17/2010 4:37:07 PM
kaiger$25.00$25.002/17/2010 5:45:36 PM
Aimvest$25.00$25.002/17/2010 5:45:51 PM
cash-queen$30.00$30.002/17/2010 5:35:28 PM
Archchancellor$25.00$25.002/17/2010 5:45:40 PM
kc8fot$25.00$25.002/17/2010 4:38:00 PM
zippy-interest$25.00$25.002/17/2010 5:45:49 PM
intrepid-transaction5$25.00$25.002/17/2010 5:57:42 PM
dontscrewmeover1$25.00$25.002/17/2010 6:02:40 PM
aasx1108$25.00$25.002/17/2010 4:39:12 PM
SOP_Bank$25.00$25.002/17/2010 7:17:45 PM
LiquidLender$25.00$25.002/17/2010 4:40:41 PM
agreement-point$50.00$50.002/17/2010 4:41:22 PM
kbodendorf$25.00$25.002/17/2010 8:10:58 PM
Khoff$25.00$25.002/17/2010 4:41:50 PM
biobulator$25.00$25.002/17/2010 4:42:03 PM
iceberg982362$25.00$25.002/17/2010 4:42:06 PM
Superc0ld$25.65$25.652/17/2010 9:05:33 PM
glimmering-point$25.00$25.002/17/2010 9:32:29 PM
benefit-squirrel$30.00$30.002/17/2010 4:48:04 PM
wampum-proton$25.00$25.002/17/2010 10:20:32 PM
trustu$25.00$25.002/17/2010 4:48:19 PM
wampum-reaction2$25.00$25.002/17/2010 10:51:19 PM
lowrate$25.00$25.002/17/2010 10:20:33 PM
life-is-great$25.00$25.002/17/2010 11:30:33 PM
nourishing-hope835$25.00$25.002/17/2010 11:35:25 PM
mrfrog$25.00$25.002/18/2010 3:15:30 AM
jga516$25.00$25.002/17/2010 5:30:30 PM
inspired-contract9$25.00$25.002/18/2010 1:51:02 AM
rhodylend$25.00$25.002/18/2010 5:02:13 AM
30Sky$25.00$25.002/17/2010 5:45:35 PM
CASHGIRL$35.92$35.922/17/2010 6:20:34 PM
enthusiastic-balance5$100.00$100.002/18/2010 6:50:24 AM
natural-greenback6$25.00$25.002/17/2010 6:36:30 PM
entrelender$25.00$25.002/17/2010 7:06:17 PM
desertoasis$25.00$25.002/17/2010 7:36:55 PM
anders94$25.00$25.002/17/2010 7:38:01 PM
supreme-benefit$25.00$25.002/17/2010 7:45:33 PM
srilm$25.00$25.002/17/2010 7:55:25 PM
bronzmajom$25.00$25.002/18/2010 8:37:52 AM
Prosp_Lender$50.00$50.002/18/2010 8:00:47 AM
PatRichi$25.00$25.002/17/2010 8:21:24 PM
next2$25.00$25.002/18/2010 9:00:54 AM
Mainstreet1$25.00$25.002/18/2010 8:45:33 AM
Phantom99$25.00$25.002/17/2010 8:55:28 PM
duty-sensai$25.00$25.002/18/2010 9:00:37 AM
aldeed$25.00$25.002/17/2010 10:20:36 PM
SB-Funding$25.00$25.002/17/2010 10:30:25 PM
mathprof$25.00$25.002/18/2010 6:15:29 AM
gulch$25.00$25.002/18/2010 8:27:35 AM
yield-lion$25.00$25.002/18/2010 9:00:53 AM
loan-master996$26.25$26.252/18/2010 9:06:18 AM
wojo$25.00$25.002/18/2010 10:49:42 AM
interstellar$50.00$50.002/18/2010 11:08:20 AM
unk1911$25.00$25.002/17/2010 4:14:33 PM
skuba$25.00$25.002/17/2010 4:14:52 PM
availableloan$25.00$25.002/17/2010 4:23:30 PM
egw$25.00$25.002/17/2010 4:26:35 PM
AF-Chief$27.00$27.002/17/2010 4:26:05 PM
Supernick$25.00$25.002/17/2010 4:27:13 PM
peso-colonel$90.00$90.002/17/2010 4:27:17 PM
flexible-value$26.00$26.002/17/2010 4:26:57 PM
theprince$25.00$25.002/17/2010 4:27:29 PM
bold-bright-currency$25.00$25.002/17/2010 4:28:04 PM
Kaj$25.00$25.002/17/2010 4:28:38 PM
time4aloan$50.00$50.002/17/2010 4:28:57 PM
bchen78875$25.00$25.002/17/2010 4:30:31 PM
xstreamin$25.00$25.002/17/2010 4:30:57 PM
Carpetkid$25.00$25.002/17/2010 4:31:22 PM
tom48l$25.00$25.002/17/2010 4:31:08 PM
cpaphoto$25.00$25.002/17/2010 4:31:34 PM
luckyldy$35.00$35.002/17/2010 4:31:39 PM
tntbuzz$25.00$25.002/17/2010 4:31:43 PM
jigsaw$100.00$100.002/17/2010 4:31:55 PM
bonafide-cash$50.00$50.002/17/2010 4:31:58 PM
tennispt$25.00$25.002/17/2010 4:31:46 PM
marketplace-achievement$50.00$50.002/17/2010 4:26:17 PM
Ranch88$25.00$25.002/17/2010 4:32:15 PM
currency-oak$25.00$25.002/17/2010 4:32:57 PM
calm-deal7$25.00$25.002/17/2010 4:27:03 PM
red-undaunted-kindness$100.00$100.002/17/2010 4:33:05 PM
money-maniac$50.00$50.002/17/2010 4:32:41 PM
orgy63$25.00$25.002/17/2010 4:27:55 PM
progressive-asset$100.00$100.002/17/2010 4:28:00 PM
hizzy$25.00$25.002/17/2010 4:34:24 PM
plentiful-reward$50.00$50.002/17/2010 4:34:58 PM
rcc7$25.00$25.002/17/2010 4:35:02 PM
Banker7371$25.00$25.002/17/2010 4:28:43 PM
charming-point$300.00$300.002/17/2010 4:35:07 PM
triumph329$35.00$35.002/17/2010 4:36:25 PM
compassion-bauble4$25.00$25.002/17/2010 4:36:00 PM
jrbill1998$50.00$50.002/17/2010 4:29:46 PM
gavinfh$25.00$25.002/17/2010 4:36:16 PM
Pizza-man$50.00$50.002/17/2010 4:29:55 PM
mpactlender$25.00$25.002/17/2010 4:37:02 PM
hitsman$50.00$50.002/17/2010 4:30:12 PM
platinum-sorcerer6$25.00$25.002/17/2010 4:37:10 PM
The-CAPS-fan$30.00$30.002/17/2010 4:30:45 PM
LeReve$213.06$213.062/17/2010 4:37:13 PM
asset-professor$75.00$75.002/17/2010 4:38:04 PM
orange-courageous-dedication$25.62$25.622/17/2010 4:39:00 PM
currency-agave$25.00$25.002/17/2010 4:39:04 PM
TeamRamRod$25.00$25.002/17/2010 4:38:22 PM
supreme-hope$25.00$25.002/17/2010 4:38:53 PM
social-conductor4$25.00$25.002/17/2010 4:39:52 PM
honorable-yield$50.00$50.002/17/2010 4:40:27 PM
kulender$25.00$25.002/17/2010 4:39:55 PM
foxy-fund$50.00$50.002/17/2010 4:33:16 PM
Josta$50.00$50.002/17/2010 4:33:19 PM
forthright-dedication$50.00$50.002/17/2010 4:40:50 PM
apostle901$25.00$25.002/17/2010 4:35:13 PM
rudyindc$25.00$25.002/17/2010 4:35:26 PM
HHP$25.00$25.002/17/2010 4:35:34 PM
atmaan$25.00$25.002/17/2010 4:35:42 PM
sophisticated-ore$50.00$50.002/17/2010 4:49:45 PM
PRGuyinVA$25.00$25.002/17/2010 4:50:35 PM
kmr2$200.00$200.002/17/2010 4:55:30 PM
wanna-help$25.00$25.002/17/2010 4:50:28 PM
zento$25.00$25.002/17/2010 4:36:32 PM
inspiring-reward$25.00$25.002/17/2010 4:36:35 PM
Lambo168$25.00$25.002/17/2010 5:30:38 PM
TennSquire$25.00$25.002/17/2010 5:35:46 PM
worthy-bid4$25.00$25.002/17/2010 5:26:26 PM
BigBoy2008$25.00$25.002/17/2010 5:45:39 PM
dreammachine$25.00$25.002/17/2010 4:37:44 PM
emelia$25.00$25.002/17/2010 5:45:45 PM
market-path$50.00$50.002/17/2010 5:45:50 PM
gracej$25.00$25.002/17/2010 4:38:19 PM
anton$250.00$250.002/17/2010 4:39:07 PM
ptjg$50.00$50.002/17/2010 4:39:23 PM
nprfan5$25.00$25.002/17/2010 7:00:27 PM
top-commitment-champ$25.00$25.002/17/2010 7:22:09 PM
kind-efficient-credit$25.00$25.002/17/2010 4:40:32 PM
newgroom422$25.00$25.002/17/2010 7:37:00 PM
Veggie_Monkey$25.00$25.002/17/2010 7:45:36 PM
superfunder$25.00$25.002/17/2010 7:55:27 PM
smallbizrule$25.00$25.002/17/2010 4:41:26 PM
Kulchar$41.89$41.892/17/2010 8:15:29 PM
the-auction-firestarter$25.00$25.002/17/2010 4:41:34 PM
riproaringrapids$25.00$25.002/17/2010 4:41:45 PM
pure-treasure7$25.00$25.002/17/2010 4:42:04 PM
mason13a$25.00$25.002/17/2010 4:42:10 PM
psztnrw$43.45$43.452/17/2010 9:40:27 PM
helpinghand75$25.00$25.002/17/2010 4:50:34 PM
commitment-forte6$25.00$25.002/18/2010 2:06:41 AM
runner262$25.00$25.002/18/2010 2:57:31 AM
community-broadcaster$25.00$25.002/17/2010 5:42:00 PM
crazycool$25.00$25.002/18/2010 5:02:54 AM
aurorafinancial$50.00$50.002/17/2010 5:45:32 PM
Blue_HorseShoe$25.00$25.002/18/2010 5:10:31 AM
harmonious-revenue7$25.00$25.002/17/2010 5:45:37 PM
suomynona$25.00$25.002/18/2010 6:21:28 AM
flwah$25.00$25.002/18/2010 5:16:36 AM
boater01$50.00$50.002/18/2010 6:50:33 AM
taxman1971$25.00$25.002/18/2010 7:12:34 AM
YLlama$25.00$25.002/17/2010 7:00:40 PM
silverloan$49.59$49.592/17/2010 7:36:59 PM
wampum-chorus3$25.00$25.002/18/2010 9:00:35 AM
exchange-battalion$25.00$25.002/18/2010 8:40:26 AM
methodical-greenback5$50.00$50.002/18/2010 9:31:18 AM
COguy$25.00$25.002/18/2010 9:00:49 AM
BigCityLending$25.00$25.002/17/2010 10:20:34 PM
Vess$25.00$25.002/18/2010 9:30:59 AM
note-sensation$25.00$11.492/18/2010 9:31:21 AM
larrybird$36.39$36.392/18/2010 5:03:57 AM
heroic-return5$25.00$25.002/18/2010 6:00:38 AM
13loans$25.00$25.002/18/2010 7:41:24 AM
doublediamond$25.00$25.002/18/2010 7:45:27 AM
rdrloan$25.00$25.002/18/2010 4:42:04 PM
BOZO88$50.00$50.002/18/2010 6:29:24 PM
241 bids
 
Borrower Payment Dependent Notes Series 446791
This series of Notes was issued and sold upon the funding of the borrower loan #40996, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Feb-16-2010 
  Auction end date:  Feb-16-2010 
 
Starting lender yield: 20.07% Starting borrower rate/APR: 21.07% / 23.32% Starting monthly payment: $226.27
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 22.14% Final monthly payment: $222.68
 
Auction yield range: 8.05% - 20.07% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2006 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:2y 7m
Credit score: 640-659 (Feb-2010) Total credit lines: 15 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $8,782Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nickel-mole Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal and business
Purpose of loan:
This loan will be used to catch up on personal bills. I recently got married and paid off all associated costs of the wedding. My husband is currently between jobs and is also trying to start up a cleaning business on the side. We have already invested a lot in this business, and it is about to take off. Since we only have one income coming in at the moment, we are a bit strained and wouldn't want to go into default on any of our loans. I understand that Prosper loans have a 3-year term, but I intend to pay off this loan within 12 months. My husband has a recession-proof career in web programming. He has had a few job offers, but we're looking for something closer to home with flexible hours so that he can also develop the?cleaning business. I work in the oil and gas industry. Business is picking up, and I can comfortably boast of job security.

My financial situation:
I am a good candidate for this loan because I always pay on time.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 1300
??Insurance: $?55
??Car expenses: $ 600
??Utilities: $
??Phone, cable, internet: $ 80
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 220
??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)
intelligent-yield$25.00$25.002/16/2010 9:12:19 AM
lounges$25.00$25.002/16/2010 9:14:56 AM
rpatusa$25.00$25.002/16/2010 9:19:39 AM
Supernick$50.00$50.002/16/2010 9:12:16 AM
3am-preacher$25.00$25.002/16/2010 9:18:15 AM
AF-Chief$28.00$28.002/16/2010 9:25:17 AM
skuba$25.00$25.002/16/2010 9:23:46 AM
coin-investor$25.00$25.002/16/2010 9:34:15 AM
fund-guild$50.00$50.002/16/2010 9:30:30 AM
OTtherapy$25.00$25.002/16/2010 9:30:04 AM
cardan97$25.00$25.002/16/2010 9:35:10 AM
wise-extraordinary-loot$30.00$30.002/16/2010 9:30:48 AM
compassion-lotus5$25.00$25.002/16/2010 9:32:57 AM
Cheburashka$25.00$25.002/16/2010 9:39:49 AM
red-favorable-basis$25.00$25.002/16/2010 9:43:16 AM
wampum-reaction2$25.00$25.002/16/2010 9:46:52 AM
bold-bright-currency$25.00$25.002/16/2010 9:47:30 AM
niskyfranchise$25.00$25.002/16/2010 9:47:44 AM
friendly-worth3$25.00$25.002/16/2010 9:47:53 AM
reflective-cash0$100.00$100.002/16/2010 9:43:50 AM
Speculator$50.00$50.002/16/2010 9:50:27 AM
peso-colonel$90.00$90.002/16/2010 9:45:35 AM
loan-master996$50.00$50.002/16/2010 9:51:50 AM
theprince$25.00$25.002/16/2010 9:46:16 AM
nourishing-interest0$25.00$25.002/16/2010 9:46:42 AM
maldok1$25.00$25.002/16/2010 9:52:44 AM
life-is-great$25.00$25.002/16/2010 9:47:26 AM
orange-courageous-dedication$30.00$30.002/16/2010 9:48:18 AM
personal-lender$25.00$25.002/16/2010 9:48:43 AM
bchen78875$25.00$25.002/16/2010 9:54:44 AM
Kaj$25.00$25.002/16/2010 9:48:46 AM
lloyd_s$25.00$25.002/16/2010 9:49:04 AM
value-pole$25.00$25.002/16/2010 9:49:22 AM
delicious-social132$25.00$25.002/16/2010 9:50:16 AM
hyetech$35.00$35.002/16/2010 9:56:04 AM
kmr2$100.00$100.002/16/2010 9:50:37 AM
MM1207$25.00$25.002/16/2010 9:50:03 AM
upbeat-investment9$25.00$25.002/16/2010 9:52:26 AM
psztnrw$100.00$100.002/16/2010 9:51:41 AM
bill-expert$25.00$25.002/16/2010 9:52:41 AM
djindepth$25.00$25.002/16/2010 9:57:55 AM
loan-warrior$25.00$25.002/16/2010 9:51:59 AM
dollar-birdie$25.00$25.002/16/2010 9:52:04 AM
Ranch88$25.00$25.002/16/2010 9:58:16 AM
tedsrfdude$25.00$25.002/16/2010 9:52:38 AM
duty-monger$50.00$50.002/16/2010 9:53:59 AM
paymentologist$25.00$25.002/16/2010 9:52:50 AM
flopcat$25.00$25.002/16/2010 9:54:02 AM
top-silver-american$25.00$25.002/16/2010 9:59:05 AM
Pizza-man$50.00$50.002/16/2010 9:53:18 AM
30Sky$25.00$25.002/16/2010 9:59:13 AM
kaiger$25.00$25.002/16/2010 9:59:30 AM
hitsman$50.00$50.002/16/2010 9:53:40 AM
gulch$25.00$25.002/16/2010 9:54:46 AM
one-midas$25.00$25.002/16/2010 9:59:43 AM
trumpeter5$25.00$25.002/16/2010 9:54:17 AM
commitment-forte6$25.00$25.002/16/2010 9:55:24 AM
reward-adventure$25.00$25.002/16/2010 9:56:21 AM
Clambake$50.00$50.002/16/2010 9:55:46 AM
xstreamin$25.00$25.002/16/2010 9:55:50 AM
tom48l$25.00$25.002/16/2010 9:56:13 AM
Carpetkid$25.00$25.002/16/2010 9:56:37 AM
gjh37$25.00$25.002/16/2010 9:57:26 AM
torion$25.00$25.002/16/2010 9:57:58 AM
cspot$25.00$25.002/16/2010 9:58:43 AM
BillW$25.00$25.002/16/2010 9:58:11 AM
Maalot20$25.00$25.002/16/2010 9:58:31 AM
Archchancellor$25.00$25.002/16/2010 9:59:22 AM
BigBoy2008$25.00$25.002/16/2010 9:58:53 AM
market-path$50.00$50.002/16/2010 9:59:45 AM
zippy-interest$25.00$25.002/16/2010 9:59:36 AM
PRGuyinVA$25.00$25.002/16/2010 10:01:06 AM
emelia$25.00$25.002/16/2010 10:00:15 AM
top-commitment-champ$25.00$25.002/16/2010 10:01:23 AM
friendly-market5$25.00$25.002/16/2010 10:00:28 AM
kegs$100.00$100.002/16/2010 10:01:49 AM
hope-hickory$25.00$25.002/16/2010 10:06:39 AM
currency-oak$25.00$25.002/16/2010 10:00:36 AM
Josta$50.00$50.002/16/2010 10:02:11 AM
red-undaunted-kindness$100.00$100.002/16/2010 10:01:15 AM
hizzy$25.00$25.002/16/2010 10:04:45 AM
iflyforfun$25.00$25.002/16/2010 10:05:12 AM
Lambo168$25.00$25.002/16/2010 10:06:05 AM
YLlama$25.00$25.002/16/2010 10:05:51 AM
peso-mate$25.00$25.002/16/2010 10:06:58 AM
Havana21$50.00$50.002/16/2010 10:06:22 AM
gracej$25.00$25.002/16/2010 10:06:29 AM
trustu$25.00$25.002/16/2010 10:06:37 AM
rcc7$25.00$25.002/16/2010 10:06:51 AM
RedCentre$29.51$29.512/16/2010 11:02:46 AM
Akkon$25.00$25.002/16/2010 9:12:53 AM
Ragnar$25.00$25.002/16/2010 9:12:08 AM
takarlstad$25.00$25.002/16/2010 9:12:26 AM
MARWARISETH$25.00$25.002/16/2010 9:13:24 AM
unk1911$25.00$25.002/16/2010 9:23:28 AM
desertoasis$25.00$25.002/16/2010 9:25:41 AM
xrycac$25.00$25.002/16/2010 9:32:31 AM
leverage-holly$25.00$25.002/16/2010 9:33:11 AM
commerce-voyager$25.00$25.002/16/2010 9:31:09 AM
OCedHrt$25.00$25.002/16/2010 9:35:03 AM
new-honorable-rate$25.00$25.002/16/2010 9:31:01 AM
cberthiaume$25.00$25.002/16/2010 9:32:43 AM
tallmon$25.00$25.002/16/2010 9:33:44 AM
marketplace-achievement$50.00$50.002/16/2010 9:34:49 AM
djc314$25.00$25.002/16/2010 9:34:07 AM
inspired-contract9$25.00$25.002/16/2010 9:44:31 AM
macjp123$25.00$25.002/16/2010 9:46:33 AM
natural-greenback6$25.00$25.002/16/2010 9:40:29 AM
orgy63$25.00$25.002/16/2010 9:47:00 AM
radforj22$25.00$25.002/16/2010 9:41:39 AM
BlindJoeDeath$25.00$25.002/16/2010 9:42:48 AM
supreme-hope$25.00$25.002/16/2010 9:43:19 AM
flexible-value$26.00$26.002/16/2010 9:43:47 AM
calm-deal7$25.00$25.002/16/2010 9:44:15 AM
Cai8899$50.00$50.002/16/2010 9:51:01 AM
intrepid-transaction5$25.00$25.002/16/2010 9:51:36 AM
Rick7925$25.00$25.002/16/2010 9:46:04 AM
LiquidLender$25.00$25.002/16/2010 9:47:09 AM
progressive-asset$100.00$100.002/16/2010 9:47:14 AM
benefit-squirrel$30.00$30.002/16/2010 9:48:12 AM
Prosp_Lender$50.00$50.002/16/2010 9:54:57 AM
The-CAPS-fan$30.00$30.002/16/2010 9:55:29 AM
time4aloan$50.00$50.002/16/2010 9:49:36 AM
rooosta$25.00$25.002/16/2010 9:49:48 AM
elevated-platinum5$50.00$50.002/16/2010 9:51:05 AM
tntbuzz$25.00$25.002/16/2010 9:57:14 AM
impeccable-transparency$75.00$75.002/16/2010 9:51:20 AM
jrbill1998$50.00$50.002/16/2010 9:52:16 AM
jigsaw$100.00$100.002/16/2010 9:57:34 AM
felicity-synapse$25.00$25.002/16/2010 9:53:04 AM
integrity-doctor$50.00$50.002/16/2010 9:52:08 AM
punctual-power7$25.00$25.002/16/2010 9:53:11 AM
investor7257$25.00$25.002/16/2010 9:58:25 AM
E_G$30.00$30.002/16/2010 9:53:27 AM
Katahdin$25.00$25.002/16/2010 9:58:36 AM
peaceful-return2$25.00$25.002/16/2010 9:59:03 AM
commerce-web5$25.00$25.002/16/2010 9:54:25 AM
credit-kahuna$100.00$100.002/16/2010 9:53:30 AM
Aimvest$25.00$25.002/16/2010 9:59:53 AM
peerlender$30.00$30.002/16/2010 9:54:06 AM
best-deal-banker$25.00$25.002/16/2010 10:00:02 AM
money-maniac$50.00$50.002/16/2010 10:00:09 AM
Avala$50.00$50.002/16/2010 10:00:46 AM
Fiimg$50.00$50.002/16/2010 10:01:34 AM
newgroom422$25.00$25.002/16/2010 9:57:12 AM
bowdish1$100.00$100.002/16/2010 9:56:41 AM
cpaphoto$25.00$25.002/16/2010 9:56:57 AM
luckyldy$35.00$35.002/16/2010 9:57:05 AM
bonafide-cash$50.00$50.002/16/2010 9:57:46 AM
tisgro$25.00$25.002/16/2010 9:57:53 AM
invest0r$25.00$25.002/16/2010 9:58:46 AM
seangw83$25.00$25.002/16/2010 9:58:28 AM
saihu$25.00$25.002/16/2010 10:04:57 AM
silvip$25.00$25.002/16/2010 10:05:10 AM
asset-equilibrium0$25.00$25.002/16/2010 10:00:17 AM
community-broadcaster$25.00$25.002/16/2010 10:00:23 AM
foxy-fund$50.00$50.002/16/2010 10:01:51 AM
stollcm$25.00$25.002/16/2010 10:06:43 AM
SB-Funding$25.00$25.002/16/2010 10:02:13 AM
wampum-proton$25.00$25.002/16/2010 10:02:21 AM
lowrate$25.00$25.002/16/2010 10:02:28 AM
boater01$50.00$50.002/16/2010 10:01:58 AM
wdworld$100.00$100.002/16/2010 10:02:30 AM
thumper64$35.00$35.002/16/2010 10:06:42 AM
charming-point$300.00$191.442/16/2010 10:07:01 AM
plentiful-reward$50.00$50.002/16/2010 10:06:45 AM
preventivepestcontrol$75.00$75.002/16/2010 11:13:24 AM
kginatl$50.05$50.052/16/2010 11:13:10 AM
168 bids
 
Borrower Payment Dependent Notes Series 446909
This series of Notes was issued and sold upon the funding of the borrower loan #40978, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Feb-16-2010 
  Auction end date:  Feb-22-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $180.94
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1993 Debt/Income ratio: 23%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 9Length of status:10y 5m
Credit score: 600-619 (Feb-2010) Total credit lines: 22 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $212Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: KLB1971 Borrower's state: NewYork 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: 0 / 1 On-time: 27 ( 77% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 8 ( 23% )  
560-579 (Jan-2008)
540-559 (Nov-2007)
500-519 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Consolidation of Four Accounts
At the advice of 2 lenders who contacted me about my prior listing, I am re-listing at a lower loan amount and have joined a Prosper group. Please review my listing and contact me with questions.

TransUnion - 668
Experian - 644
Equifax - 648

This loan will be used to consolidate 4 accounts; 3 high interest credit cards and 1 student account from graduate studies.? The account balances are approximately $4120 combined (I made the monthly payments on all account since my first listing, so this calculation is different/lower than previously listed).

Current balances and interest rates of the loans I will consolidate:
Metabank Visa - $450 at 29%
First Premier Bank Visa - $175 at 21%
Bank of America Visa - $495 at 14%
The last account is a tuition balance from graduate school. Its current balance is $3000. The account carries no interest, but the college's promissory note states all accounts must be paid in full in 36 months or will be sent to collections. The 36-month mark will be in April 2010. I want to pay it off rather than have it sent to collections.

I paid off my first loan with Prosper in December 2008.? Overall, my experience was good.? I have worked hard to improve my financial situation paying off derogatory accounts in full and keeping current with my accounts today.? When I secured the first loan with Prosper, my income was approximately $40000.? As of Janaury 2009, it increased to $60000.? I have become very financially responsible and am seeking options to consolidate some existing high interest debt and save more per month. There is 1 delinquent account showing on the Prosper report. TransUnion has the account as a Rewards 660 account that I paid late in December 2008. The account was paid in full and closed in January 2009. I am paid twice monthly on the 15th and 30th.? My pay is directly deposited into my checking account.? My salary is $60000 and each paycheck is a gross pay of $2500.? After taxes, my net income per paycheck is $1647.64.? This makes my monthly net income $3295.28.? My monthly expenses are outlined below.

Monthly expenses:
Base Rent: $300 (I live alone in a single-family home that is owned by a family member. I pay a base rent and all utilities/maintenance)
Household Maintenance:? $75
Car Insurance: $80
Car Payment: $350
Gas and Electric: $200
Phone, cable, internet: $125 (This includes my land line, cable and internet and is a packaged rate)
Cell Phone:?$65
Food:? $300
Entertainment: $100
Clothing and other personal products:? $100
Credit cards: $200
Student Loans: $350 (I have student loans from graduate and undergraduate studies)
Savings: $300
Total:? $2545

With my take home pay at 3295.28, this allows me to pay the Prosper loan and continue to meet my other financial obligations and goals.
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: Great application Ma'am. Time to put the train back on the tracks! The Mrs and me wish the very best of luck to you. Just don't forget to put it on "auto pay", ok? - Delta-Kilo-7K
A: Thank you so much for your messages. I appreciate you taking the time to consider the listing and offer some feedback and advice. Please let me know if I can answer any more questions. (Feb-16-2010)
Q: Sorry Ma'am, one last thing- Did ya' tell the folks what it is that you do for a livin' ? It just might get some of 'em off the fence and into the saddle. - Delta-Kilo-7K
A: I am the Director of Admissions at a private four-year college in central New York. I have been there since September 1999 and was appointed Director of Admissions in January 2009. (Feb-16-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.002/16/2010 3:59:43 PM
Delta-Kilo-7K$500.00$500.002/16/2010 6:35:17 PM
gbruenin$25.00$25.002/17/2010 6:08:31 PM
aztocas$25.00$25.002/17/2010 7:09:07 PM
chameleon125$25.00$25.002/18/2010 1:50:54 PM
EEasyMoney$25.00$25.002/18/2010 1:55:01 PM
SolarMoonshine$100.00$100.002/18/2010 5:55:23 PM
circle$100.00$100.002/18/2010 9:50:24 PM
Mark-M$35.00$35.002/18/2010 8:30:41 PM
UCLA4life$25.00$25.002/19/2010 10:25:39 AM
pyungpyung$26.00$26.002/19/2010 12:46:48 PM
glimmering-point$25.00$25.002/19/2010 9:02:49 PM
bondhedger$25.00$25.002/19/2010 9:52:39 PM
FarmersBank$25.00$25.002/20/2010 11:37:11 AM
equitylender$26.00$26.002/20/2010 6:09:15 PM
IASKGOD$25.00$25.002/21/2010 11:27:01 AM
Kash2010lu$35.00$35.002/21/2010 5:18:18 PM
Ronnieboy888$25.00$25.002/21/2010 7:18:43 PM
income-giraffe7$25.00$25.002/22/2010 8:57:12 AM
dcm6276$25.00$25.002/22/2010 9:15:13 AM
danza$25.00$25.002/21/2010 10:05:45 PM
Flshedman$50.00$50.002/22/2010 10:29:44 AM
Roohugger$25.00$25.002/22/2010 10:31:47 AM
epic-payout$74.00$74.002/22/2010 11:00:14 AM
Delta-Kilo-7K$75.00$75.002/22/2010 10:42:29 AM
unk1911$25.00$25.002/16/2010 4:09:14 PM
dynrep$25.00$25.002/16/2010 4:30:30 PM
Bob450$25.00$25.002/16/2010 6:44:42 PM
1traveler$25.00$25.002/16/2010 7:33:49 PM
credit-coach118$45.00$45.002/16/2010 8:26:12 PM
honorable-yield$25.00$25.002/18/2010 8:55:47 AM
periko$50.00$50.002/18/2010 9:54:46 PM
LibertyCPA$100.00$100.002/18/2010 9:57:07 PM
victor111$25.00$25.002/19/2010 5:43:42 AM
bobd32$25.00$25.002/19/2010 1:57:55 PM
vendorking1$50.00$50.002/19/2010 11:49:53 PM
jbloans$25.00$25.002/19/2010 5:44:40 PM
dough-rocket$25.00$25.002/20/2010 7:59:56 AM
thomas16882004$100.00$100.002/20/2010 8:34:32 PM
LAKETIME$25.00$25.002/21/2010 7:06:50 AM
ustfu$25.00$25.002/21/2010 5:53:36 PM
lyrisnox$25.00$25.002/21/2010 3:20:09 PM
zeeexsixare$25.00$25.002/21/2010 3:59:20 PM
lender12345$250.00$250.002/21/2010 8:27:25 PM
zydeco337$25.00$25.002/22/2010 12:59:00 AM
dough-rocket$25.00$25.002/22/2010 4:19:18 AM
COCHINOBOY$49.86$49.862/21/2010 8:59:36 PM
Sudoku$69.32$69.322/22/2010 2:18:57 AM
five-star-note$122.18$122.182/22/2010 10:30:17 AM
DasMula$1,000.00$1,000.002/22/2010 7:49:21 AM
reflective-rupee$400.00$392.642/22/2010 11:18:44 AM
51 bids