Sales Report:Supplement No. 155 dated Mar 12, 2010 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
431098
This series of Notes was issued and sold upon the funding of the borrower loan #41162, 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:
| Mar-10-2010 |
| |
Auction end date:
| Mar-11-2010 |
|
|
Starting lender yield:
| 8.60% |
Starting borrower rate/APR:
| 9.60% / 9.94% |
Starting monthly payment:
| $32.08 |
|
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $30.92 |
| |
|
Auction yield range:
| 3.04% - 8.60% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
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-1995 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
10 | Length of status: | 23y 2m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 39 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,118 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| SamanthasDad |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 680-699
(May-2009)
720-739
(Jun-2008)
740-759
(Dec-2007)
|
|
Principal balance:
| $441.36 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Pay Off High interest credit cards
Purpose of loan:
? To pay off a couple of higher interest credit cards.
My financial situation:
I am a good candidate for this loan because. I have a great history. In 27 years of bill paying I never have defaulted or even been late.
In fact, I've had a previous Prosper loan that I've paid 20 payments on, never missed, and is getting near payoff.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kenji4861 | $50.00 | $50.00 | 3/10/2010 4:22:48 PM |
| selector568 | $200.00 | $200.00 | 3/10/2010 4:23:15 PM |
| dollar-birdie | $50.00 | $50.00 | 3/10/2010 4:28:57 PM |
| asset-professor | $100.00 | $100.00 | 3/10/2010 4:29:11 PM |
| Castellan | $25.00 | $25.00 | 3/10/2010 4:29:35 PM |
| Kelor99 | $25.00 | $25.00 | 3/10/2010 6:08:55 PM |
| Microfinancer | $25.00 | $25.00 | 3/10/2010 4:29:04 PM |
| jeffpac | $55.00 | $20.00 | 3/10/2010 4:32:14 PM |
| moola-man | $50.00 | $50.00 | 3/10/2010 4:29:26 PM |
| engaging-worth | $30.00 | $30.00 | 3/10/2010 4:29:40 PM |
| skuba | $50.00 | $50.00 | 3/10/2010 4:29:13 PM |
| fightinjoe | $25.00 | $25.00 | 3/10/2010 4:29:32 PM |
| Aberdeen | $350.00 | $350.00 | 3/10/2010 4:39:50 PM |
| 13 bids
|
Borrower Payment Dependent Notes Series
446542
This series of Notes was issued and sold upon the funding of the borrower loan #41150, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,050.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Mar-03-2010 |
| |
Auction end date:
| Mar-10-2010 |
|
|
Starting lender yield:
| 20.07% |
Starting borrower rate/APR:
| 21.07% / 24.69% |
Starting monthly payment:
| $39.60 |
|
Final lender yield:
| 10.86% |
Final borrower rate/APR:
| 11.86% / 15.29% |
Final monthly payment:
| $34.80 |
| |
|
Auction yield range:
| 8.05% - 20.07% |
Estimated loss impact:
| 6.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.13% | | |
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:
| May-1994 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 12y 10m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,282 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Runegeld |
Borrower's state:
| Wyoming |
Borrower's group:
| Wyoming Lending 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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 23 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,800.00 | < mo. late:
| 0
( 0% )
| 660-679
(Nov-2009)
620-639
(Feb-2008)
600-619
(Dec-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Re-Invest
Purpose of loan:
This loan will?be used to?re-invest in Prosper.
My financial situation:
I am a good candidate for this loan because?I have been employed full-time with the State of Wyoming for over 12 years.? My monthly payments are made on time if not early.??I am the secretary/treasurer for the local coin club and our subdivision?s water company.?This would be my second Prosper loan.
Monthly net income: $2600
Monthly expenses: $2145
??Housing: $450
??Insurance: $70
??Car expenses: $425
??Utilities: $150
??Phone, cable, internet: $200
??Food, entertainment: $50
??Clothing, household expenses $100
??Credit cards and other loans: $350
??Other expenses: $350
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is the public record in your history? - CaribbeanBanker
A:
The Public Record was from a bankruptcy discharged in 2003. My wife had to have her gallbladder removed on very short notice in 2001 and was not covered by my insurance at the time. Our combined income at the time was about what my current income is now. We were unable to meet the minimum payments the hospital required. After more than a year of working with a local credit counseling service, we were at the point where bankruptcy was our only option.
(Mar-06-2010)
Q:
$50 a month for food? What do you eat? - 1phantom
A:
In our monthly budget, my wife covers the food costs. We plan a couple of nights a month for her and I to go to the movie or out to dinner, the $50 is budgeted to pay for our nights out.
(Mar-10-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| duagne | $50.00 | $50.00 | 3/10/2010 10:25:03 AM |
| actl | $25.00 | $25.00 | 3/10/2010 11:32:34 AM |
| quiggles | $25.00 | $25.00 | 3/10/2010 12:52:42 PM |
| kleinbrak | $25.00 | $25.00 | 3/10/2010 3:02:09 PM |
| principal-laser | $50.00 | $50.00 | 3/10/2010 11:41:40 AM |
| Cliffie83 | $88.58 | $88.58 | 3/10/2010 3:27:10 PM |
| velocity-winner | $25.00 | $25.00 | 3/10/2010 3:32:00 PM |
| Aberdeen | $350.00 | $350.00 | 3/3/2010 4:25:24 PM |
| Jinja | $25.00 | $25.00 | 3/4/2010 10:21:15 AM |
| niq4soccer | $25.00 | $25.00 | 3/9/2010 10:34:22 AM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 3/9/2010 6:02:13 PM |
| wild-orange | $100.00 | $100.00 | 3/10/2010 1:13:10 AM |
| vigorous-moola | $36.00 | $36.00 | 3/10/2010 11:31:49 AM |
| dudebrah | $25.00 | $25.00 | 3/10/2010 10:00:00 AM |
| Leshan | $60.80 | $60.80 | 3/10/2010 12:03:11 PM |
| generous-deal6 | $27.51 | $27.51 | 3/10/2010 10:42:38 AM |
| AsianDragon | $45.00 | $24.06 | 3/10/2010 1:49:12 PM |
| Hatdance | $38.05 | $38.05 | 3/10/2010 3:49:25 PM |
| debt-legend | $25.00 | $25.00 | 3/10/2010 2:46:25 PM |
| 19 bids
|
Borrower Payment Dependent Notes Series
447004
This series of Notes was issued and sold upon the funding of the borrower loan #41165, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Feb-18-2010 |
| |
Auction end date:
| Feb-25-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 33.39% |
Final monthly payment:
| $86.00 |
| |
|
Auction yield range:
| 14.05% - 34.00% |
Estimated loss impact:
| 16.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.92% | | |
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-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 7m |
|
Credit score:
| 620-639 (Feb-2010) |
Total credit lines:
| 12 |
Occupation: | Investor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,995 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| RayEarth |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 79% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 5
( 21% )
| 620-639
(Oct-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Rebuilding Credit History
Purpose of loan:
This loan will be used to pay off high intrest credit card and to improve my credit score.
My financial situation:
I am a good candidate for this loan because?I will pay it off within 2-3 months.
Monthly net income: $ 5000
Monthly expenses: $?2100
??Housing: $ -
??Insurance: $-
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 150
??Credit cards and other loans: $?500
??Other expenses: $ 250
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| master648 | $32.68 | $32.68 | 2/19/2010 2:08:53 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/19/2010 6:03:21 PM |
| zydeco337 | $25.00 | $25.00 | 2/22/2010 1:01:26 AM |
| transaction-circuit | $25.00 | $25.00 | 2/23/2010 8:06:38 AM |
| reflective-rupee | $100.00 | $100.00 | 2/23/2010 3:29:52 PM |
| JGuide | $51.70 | $51.70 | 2/23/2010 6:03:31 PM |
| DonDiego | $25.00 | $25.00 | 2/24/2010 1:43:51 PM |
| loss-of-control | $25.00 | $25.00 | 2/24/2010 5:17:15 PM |
| best-point-flow | $25.00 | $25.00 | 2/24/2010 7:46:50 PM |
| nurat | $51.78 | $51.78 | 2/25/2010 5:50:13 AM |
| FarmersBank | $25.00 | $25.00 | 2/25/2010 5:56:37 AM |
| OPEO | $25.00 | $25.00 | 2/25/2010 7:25:06 AM |
| Feyenoord | $50.00 | $50.00 | 2/24/2010 6:50:11 PM |
| Moe87 | $37.03 | $37.03 | 2/24/2010 7:32:18 PM |
| kingston1 | $25.00 | $25.00 | 2/24/2010 7:36:18 PM |
| tokyopete23 | $25.00 | $25.00 | 2/24/2010 9:17:58 PM |
| credit-missile | $150.00 | $150.00 | 2/24/2010 10:43:24 PM |
| wild-orange | $25.00 | $25.00 | 2/25/2010 12:38:21 PM |
| 420limo | $25.00 | $25.00 | 2/25/2010 9:10:17 AM |
| toxicbutterfly | $30.00 | $30.00 | 2/25/2010 2:53:06 PM |
| DasMula | $25.00 | $25.00 | 2/25/2010 12:10:15 PM |
| sparkling-contract7 | $25.00 | $3.21 | 2/25/2010 12:52:53 PM |
| IASKGOD | $25.00 | $25.00 | 2/25/2010 12:54:23 PM |
| Bobusa | $25.00 | $25.00 | 2/25/2010 1:13:49 PM |
| BrighterSuns | $26.00 | $26.00 | 2/25/2010 2:54:06 PM |
| social-conductor4 | $25.00 | $25.00 | 2/25/2010 4:07:12 PM |
| DonDiego | $25.00 | $25.00 | 2/25/2010 4:07:36 PM |
| fund-secret-agent | $25.00 | $25.00 | 2/19/2010 12:11:50 PM |
| nodebt2012 | $25.00 | $25.00 | 2/23/2010 12:05:08 PM |
| mrxtravis | $100.00 | $100.00 | 2/23/2010 3:43:23 PM |
| Rule62 | $25.00 | $25.00 | 2/24/2010 11:57:32 AM |
| dcm6276 | $25.00 | $25.00 | 2/24/2010 3:16:51 PM |
| realtormoises | $25.00 | $25.00 | 2/24/2010 4:48:42 PM |
| Leshan | $100.00 | $100.00 | 2/25/2010 7:02:51 AM |
| deal-dojo | $50.00 | $50.00 | 2/25/2010 12:40:10 PM |
| rate-farm3 | $50.68 | $50.68 | 2/25/2010 12:48:36 PM |
| innovator2 | $37.75 | $37.75 | 2/25/2010 10:42:25 AM |
| eboomer2611 | $25.00 | $25.00 | 2/25/2010 10:43:36 AM |
| benrice | $29.17 | $29.17 | 2/25/2010 10:57:51 AM |
| 113121 | $50.00 | $50.00 | 2/25/2010 11:38:56 AM |
| AM2008 | $25.00 | $25.00 | 2/25/2010 4:01:31 PM |
| responsible-worth113 | $25.00 | $25.00 | 2/25/2010 3:52:30 PM |
| ultimate-peace | $100.00 | $100.00 | 2/25/2010 4:02:26 PM |
| ultimate-peace | $100.00 | $100.00 | 2/25/2010 4:04:52 PM |
| ultimate-peace | $200.00 | $200.00 | 2/25/2010 4:06:35 PM |
| credit-missile | $25.00 | $25.00 | 2/25/2010 4:07:08 PM |
| 46 bids
|
Borrower Payment Dependent Notes Series
447242
This series of Notes was issued and sold upon the funding of the borrower loan #41168, 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-19-2010 |
| |
Auction end date:
| Feb-26-2010 |
|
|
Starting lender yield:
| 26.39% |
Starting borrower rate/APR:
| 27.39% / 29.73% |
Starting monthly payment:
| $164.14 |
|
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.57% |
Final monthly payment:
| $161.70 |
| |
|
Auction yield range:
| 11.05% - 26.39% |
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:
| Aug-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 8y 1m |
|
Credit score:
| 680-699 (Feb-2010) |
Total credit lines:
| 21 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,934 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| Tod |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating debt
Purpose of loan:
This loan will be used to consolidate my debt and lower my monthly payments. I would also rather pay interest to individuals rather than the banks.
My financial situation:
I am a good candidate for this loan because I have multiple streams of income to repay it with and I am motivated to establish a good payment history with the Prosper community.
Monthly net income: $
4175
Monthly expenses: $
??Housing: $
850
??Insurance: $
61
??Car expenses: $ 210 no car payment
??Utilities: $
125
??Phone, cable, internet: $
80
??Food, entertainment: $
350
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
1034 rental mortgages $144 taxes and insurance
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Orringo | $50.00 | $50.00 | 2/19/2010 9:37:18 AM |
| kidsskipp | $25.00 | $25.00 | 2/19/2010 9:38:42 AM |
| traveler50 | $25.00 | $25.00 | 2/19/2010 9:38:56 AM |
| Havana21 | $50.00 | $50.00 | 2/19/2010 9:38:08 AM |
| life-is-great | $25.00 | $25.00 | 2/19/2010 9:39:08 AM |
| LuvToLend | $25.00 | $25.00 | 2/19/2010 9:39:45 AM |
| forthright-dedication | $100.00 | $100.00 | 2/19/2010 9:39:52 AM |
| efficient-principal | $25.00 | $25.00 | 2/19/2010 9:40:30 AM |
| wise-courageous-social | $25.00 | $25.00 | 2/19/2010 9:40:45 AM |
| deal-hickory5 | $25.00 | $25.00 | 2/19/2010 9:40:59 AM |
| BlindJoeDeath | $25.00 | $25.00 | 2/19/2010 9:41:08 AM |
| kind-efficient-credit | $25.00 | $25.00 | 2/19/2010 9:37:10 AM |
| Supernick | $25.00 | $25.00 | 2/19/2010 9:37:14 AM |
| skuba | $25.00 | $25.00 | 2/19/2010 9:38:37 AM |
| micko | $25.00 | $25.00 | 2/19/2010 9:40:51 AM |
| supreme-hope | $25.00 | $25.00 | 2/19/2010 9:41:05 AM |
| Schmendrick | $25.00 | $25.00 | 2/19/2010 9:50:08 AM |
| money-vista | $25.00 | $25.00 | 2/19/2010 10:07:09 AM |
| capital-galaxy | $100.00 | $95.00 | 2/19/2010 10:07:30 AM |
| Gilgothdae | $25.00 | $25.00 | 2/19/2010 9:50:44 AM |
| matt_2006 | $25.00 | $25.00 | 2/19/2010 12:37:08 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/19/2010 5:51:33 PM |
| golden-currency | $25.00 | $25.00 | 2/23/2010 11:05:07 AM |
| LuvToLend | $25.00 | $25.00 | 2/23/2010 7:34:06 PM |
| Pu239 | $50.00 | $50.00 | 2/25/2010 8:53:01 AM |
| unger | $50.00 | $50.00 | 2/25/2010 12:12:31 PM |
| AM2008 | $25.00 | $25.00 | 2/25/2010 4:26:59 PM |
| nalaari | $50.00 | $50.00 | 2/25/2010 4:13:36 PM |
| BrighterSuns | $25.00 | $25.00 | 2/25/2010 8:13:18 PM |
| jrcctexas25 | $25.00 | $25.00 | 2/25/2010 5:01:30 PM |
| farmn | $25.00 | $25.00 | 2/25/2010 7:10:59 PM |
| happy-return4 | $25.00 | $25.00 | 2/25/2010 7:41:21 PM |
| Gaelicman | $100.00 | $100.00 | 2/26/2010 6:51:07 AM |
| bitano | $25.00 | $25.00 | 2/26/2010 7:26:49 AM |
| shellstar | $25.00 | $25.00 | 2/25/2010 9:27:29 PM |
| Tecmo | $73.74 | $73.74 | 2/25/2010 9:50:38 PM |
| Leopoldine | $29.65 | $29.65 | 2/25/2010 10:34:32 PM |
| payout-bridge | $300.00 | $300.00 | 2/26/2010 9:36:08 AM |
| glenium | $25.00 | $25.00 | 2/26/2010 3:08:31 AM |
| benefit-flow | $25.00 | $25.00 | 2/26/2010 4:09:51 AM |
| mlj0671 | $50.00 | $50.00 | 2/26/2010 8:03:15 AM |
| buvaet | $25.00 | $25.00 | 2/26/2010 8:26:15 AM |
| farchoir | $25.00 | $25.00 | 2/26/2010 8:28:59 AM |
| JauaFlash | $26.29 | $26.29 | 2/26/2010 9:03:34 AM |
| balanced-return5 | $25.00 | $25.00 | 2/26/2010 8:41:43 AM |
| revenue-appraiser | $120.00 | $120.00 | 2/26/2010 9:36:26 AM |
| deegeeman | $50.00 | $50.00 | 2/19/2010 9:38:51 AM |
| silver-armada | $50.00 | $50.00 | 2/19/2010 9:39:18 AM |
| dinero-mason | $50.00 | $50.00 | 2/19/2010 9:38:59 AM |
| RISK-VERSUS-RETURN | $25.00 | $25.00 | 2/19/2010 9:39:21 AM |
| FeedTheMachine | $200.00 | $200.00 | 2/19/2010 9:39:30 AM |
| listing-trapper3 | $50.00 | $50.00 | 2/19/2010 9:39:13 AM |
| Dubbs360 | $100.00 | $100.00 | 2/19/2010 9:39:40 AM |
| reward-walnut | $25.00 | $25.00 | 2/19/2010 9:39:56 AM |
| marketplace-achievement | $25.00 | $25.00 | 2/19/2010 9:40:26 AM |
| compassion-lotus5 | $25.00 | $25.00 | 2/19/2010 9:40:34 AM |
| supreme-bonus0 | $25.00 | $25.00 | 2/19/2010 9:41:02 AM |
| Diamond_Jim | $25.00 | $25.00 | 2/19/2010 9:41:12 AM |
| MARWARISETH | $25.00 | $25.00 | 2/19/2010 9:37:00 AM |
| eronyc | $25.00 | $25.00 | 2/19/2010 9:37:06 AM |
| fareast_man | $25.00 | $25.00 | 2/19/2010 9:38:33 AM |
| GrooveBiz | $50.00 | $50.00 | 2/19/2010 9:38:46 AM |
| note-tent | $25.00 | $25.00 | 2/19/2010 9:39:04 AM |
| gavinfh | $25.00 | $25.00 | 2/19/2010 9:39:24 AM |
| Gladys9 | $25.00 | $25.00 | 2/19/2010 9:50:28 AM |
| Bob450 | $50.00 | $50.00 | 2/19/2010 10:21:09 PM |
| foothillender | $25.00 | $25.00 | 2/20/2010 7:46:31 AM |
| glroark | $100.00 | $100.00 | 2/20/2010 6:25:20 PM |
| payout-bridge | $150.00 | $150.00 | 2/20/2010 2:13:24 PM |
| UCLA4life | $25.00 | $25.00 | 2/21/2010 5:08:44 PM |
| charming-point | $300.00 | $300.00 | 2/22/2010 10:31:55 AM |
| himistu22 | $25.00 | $25.00 | 2/24/2010 1:43:34 PM |
| kingston1 | $25.00 | $25.00 | 2/24/2010 7:38:05 PM |
| sharp518 | $31.99 | $31.99 | 2/25/2010 6:39:14 AM |
| grnii78 | $75.00 | $75.00 | 2/25/2010 7:57:05 AM |
| marwadi-62 | $25.00 | $25.00 | 2/25/2010 8:13:03 AM |
| toxicbutterfly | $30.00 | $30.00 | 2/25/2010 4:52:12 PM |
| Kash2010lu | $35.00 | $35.00 | 2/25/2010 7:17:13 PM |
| jakdwak | $25.00 | $25.00 | 2/25/2010 4:28:41 PM |
| CoolPlexer | $25.00 | $25.00 | 2/25/2010 6:35:26 PM |
| DasMula | $50.00 | $50.00 | 2/26/2010 8:12:16 AM |
| natural-greenback6 | $25.00 | $25.00 | 2/26/2010 8:51:38 AM |
| credit-coach118 | $25.00 | $25.00 | 2/26/2010 9:16:16 AM |
| FollowMe2Freedom | $25.00 | $25.00 | 2/26/2010 9:19:24 AM |
| Engineer44 | $25.00 | $25.00 | 2/26/2010 3:15:39 AM |
| Leshan | $33.33 | $33.33 | 2/26/2010 6:59:39 AM |
| Rip128 | $50.00 | $50.00 | 2/26/2010 7:42:37 AM |
| basis-image | $25.00 | $25.00 | 2/26/2010 7:51:55 AM |
| 88 bids
|
Borrower Payment Dependent Notes Series
447670
This series of Notes was issued and sold upon the funding of the borrower loan #41194, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Feb-22-2010 |
| |
Auction end date:
| Feb-25-2010 |
|
|
Starting lender yield:
| 22.69% |
Starting borrower rate/APR:
| 23.69% / 25.98% |
Starting monthly payment:
| $195.35 |
|
Final lender yield:
| 21.55% |
Final borrower rate/APR:
| 22.55% / 24.82% |
Final monthly payment:
| $192.38 |
| |
|
Auction yield range:
| 8.05% - 22.69% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.04% | | |
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-1998 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 4m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 9 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $877 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 36% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| ingenious-gain9 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate debts (credit cards, student loans)
My financial situation:
I am a good candidate for this loan because i have a steady job and throught out the years i learned to be a responsible borrowers. Like most people i had my ups and downs but i always pay off my debts. I always pay all my credit cards on time and after the new credit card act i saw my interest rate when up so i would like to pay them off and have one convenience loan payment.?I was approved for a loan with a bank but the interest rate where higher?compare to my?credit cards, so i didnt take it. Please, If is not too much to ask help me get rid off debt. Thank you...
Monthly net income: $ 3,000
Monthly expenses: $
??Housing: $ 500
??Insurance: $?80
??Car expenses: $?250
??Utilities: $ 300
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| whois-JohnGalt | $25.00 | $25.00 | 2/22/2010 4:11:51 PM |
| locash | $25.00 | $25.00 | 2/22/2010 4:19:14 PM |
| unrivaled-justice | $25.00 | $25.00 | 2/22/2010 4:19:17 PM |
| treasure-network | $25.00 | $25.00 | 2/22/2010 4:14:51 PM |
| bold-durability-drum | $25.00 | $25.00 | 2/22/2010 4:16:49 PM |
| mtp | $50.00 | $50.00 | 2/22/2010 4:23:39 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/22/2010 4:24:24 PM |
| wise-handy-finance | $25.00 | $25.00 | 2/22/2010 4:19:53 PM |
| egw | $25.00 | $25.00 | 2/22/2010 4:24:35 PM |
| treasure-bliss | $100.00 | $100.00 | 2/22/2010 4:25:51 PM |
| zippy-interest | $25.00 | $25.00 | 2/22/2010 4:26:25 PM |
| Kaj | $25.00 | $25.00 | 2/22/2010 4:30:54 PM |
| lloyd_s | $25.00 | $25.00 | 2/22/2010 4:31:15 PM |
| bowdish1 | $100.00 | $100.00 | 2/22/2010 4:32:47 PM |
| flexible-value | $26.00 | $26.00 | 2/22/2010 4:30:15 PM |
| hizzy | $25.00 | $25.00 | 2/22/2010 4:33:09 PM |
| personal-lender | $25.00 | $25.00 | 2/22/2010 4:30:50 PM |
| delicious-social132 | $25.00 | $25.00 | 2/22/2010 4:31:29 PM |
| Speculator | $50.00 | $50.00 | 2/22/2010 4:31:41 PM |
| desertoasis | $25.00 | $25.00 | 2/22/2010 4:35:37 PM |
| HHP | $25.00 | $25.00 | 2/22/2010 4:33:41 PM |
| kbodendorf | $25.00 | $25.00 | 2/22/2010 4:35:59 PM |
| heavenly-justice9 | $75.00 | $75.00 | 2/22/2010 4:34:52 PM |
| kmr2 | $200.00 | $200.00 | 2/22/2010 4:35:08 PM |
| Schmendrick | $25.00 | $25.00 | 2/22/2010 4:37:33 PM |
| inspired-contract9 | $25.00 | $25.00 | 2/22/2010 4:36:30 PM |
| methodical-greenback5 | $50.00 | $50.00 | 2/22/2010 4:36:48 PM |
| note-sensation | $25.00 | $25.00 | 2/22/2010 4:36:53 PM |
| reward-adventure | $25.00 | $25.00 | 2/22/2010 4:37:36 PM |
| 3am-preacher | $25.00 | $25.00 | 2/22/2010 4:38:07 PM |
| steady-gain5 | $25.00 | $25.00 | 2/22/2010 4:38:12 PM |
| AF-Chief | $27.00 | $27.00 | 2/22/2010 4:43:46 PM |
| forthright-dedication | $50.00 | $50.00 | 2/22/2010 4:45:48 PM |
| cnovak | $25.00 | $25.00 | 2/22/2010 4:46:55 PM |
| plentiful-reward | $50.00 | $50.00 | 2/22/2010 4:46:29 PM |
| LeReve | $205.59 | $205.59 | 2/22/2010 4:47:12 PM |
| psztnrw | $100.00 | $100.00 | 2/22/2010 4:49:45 PM |
| LiquidLender | $25.00 | $25.00 | 2/22/2010 4:50:11 PM |
| elevated-platinum5 | $50.00 | $50.00 | 2/22/2010 4:48:27 PM |
| wampum-reaction2 | $25.00 | $25.00 | 2/22/2010 4:50:51 PM |
| xhrisd | $25.00 | $25.00 | 2/22/2010 4:51:16 PM |
| peso-colonel | $90.00 | $90.00 | 2/22/2010 4:51:21 PM |
| tmillerosu | $25.00 | $25.00 | 2/22/2010 4:51:39 PM |
| Pizza-man | $50.00 | $50.00 | 2/22/2010 4:50:02 PM |
| coin-investor | $25.00 | $25.00 | 2/22/2010 4:50:37 PM |
| BlindJoeDeath | $25.00 | $25.00 | 2/22/2010 4:51:25 PM |
| langdonx | $25.00 | $25.00 | 2/22/2010 4:52:35 PM |
| hitsman | $50.00 | $50.00 | 2/22/2010 5:00:04 PM |
| nourishing-interest0 | $25.00 | $25.00 | 2/22/2010 4:58:41 PM |
| macjp123 | $25.00 | $25.00 | 2/22/2010 4:58:34 PM |
| Carpetkid | $25.00 | $25.00 | 2/22/2010 5:00:57 PM |
| luckyldy | $35.00 | $35.00 | 2/22/2010 5:01:10 PM |
| bold-bright-currency | $25.00 | $25.00 | 2/22/2010 4:59:00 PM |
| duty-monger | $50.00 | $50.00 | 2/22/2010 5:00:19 PM |
| xstreamin | $25.00 | $25.00 | 2/22/2010 5:00:33 PM |
| jigsaw | $100.00 | $86.34 | 2/22/2010 5:01:46 PM |
| tntbuzz | $25.00 | $25.00 | 2/22/2010 5:01:19 PM |
| gjh37 | $25.00 | $25.00 | 2/22/2010 5:01:31 PM |
| SolarMoonshine | $50.00 | $50.00 | 2/22/2010 6:07:20 PM |
| Bob450 | $50.00 | $50.00 | 2/22/2010 8:41:26 PM |
| utilecapital | $26.00 | $26.00 | 2/23/2010 6:24:21 AM |
| dblakels | $25.00 | $25.00 | 2/23/2010 9:08:08 AM |
| elegant-loot | $25.00 | $25.00 | 2/23/2010 9:23:30 AM |
| dynrep | $50.00 | $50.00 | 2/23/2010 10:43:15 AM |
| charming-point | $300.00 | $300.00 | 2/23/2010 2:24:19 PM |
| natejx | $25.00 | $25.00 | 2/23/2010 2:22:11 PM |
| interstellar | $50.00 | $50.00 | 2/24/2010 11:18:01 AM |
| BigGuyBank | $25.00 | $25.00 | 2/24/2010 4:23:08 PM |
| scoobiedoo | $25.00 | $25.00 | 2/24/2010 7:31:23 PM |
| webfeet | $25.00 | $25.00 | 2/25/2010 7:25:25 AM |
| tender-deal | $25.00 | $25.00 | 2/22/2010 4:11:42 PM |
| aasx1108 | $25.00 | $25.00 | 2/22/2010 4:22:06 PM |
| wampum-chorus3 | $25.00 | $25.00 | 2/22/2010 4:23:21 PM |
| tom48l | $25.00 | $25.00 | 2/22/2010 4:25:21 PM |
| djh47a | $25.00 | $25.00 | 2/22/2010 4:26:03 PM |
| peerlender | $30.00 | $30.00 | 2/22/2010 4:32:06 PM |
| red-favorable-basis | $25.00 | $25.00 | 2/22/2010 4:30:01 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/22/2010 4:30:17 PM |
| Cai8899 | $50.00 | $50.00 | 2/22/2010 4:32:03 PM |
| don8ter | $25.00 | $25.00 | 2/22/2010 4:34:39 PM |
| bchen78875 | $25.00 | $25.00 | 2/22/2010 4:32:44 PM |
| Havana21 | $50.00 | $50.00 | 2/22/2010 4:33:29 PM |
| asset-professor | $75.00 | $75.00 | 2/22/2010 4:34:15 PM |
| Eagledrop | $25.00 | $25.00 | 2/22/2010 4:37:14 PM |
| Microfinancer | $25.00 | $25.00 | 2/22/2010 4:38:23 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 2/22/2010 4:36:39 PM |
| tallmon | $25.00 | $25.00 | 2/22/2010 4:37:53 PM |
| micko | $25.00 | $25.00 | 2/22/2010 4:41:17 PM |
| reward-motion | $25.00 | $25.00 | 2/22/2010 4:38:39 PM |
| ctgscott | $25.00 | $25.00 | 2/22/2010 4:39:30 PM |
| ClearLake | $25.00 | $25.00 | 2/22/2010 4:39:55 PM |
| skuba | $25.00 | $25.00 | 2/22/2010 4:41:43 PM |
| peripatetic | $25.00 | $25.00 | 2/22/2010 4:44:16 PM |
| Orringo | $32.60 | $32.60 | 2/22/2010 4:45:28 PM |
| beyondmanagement | $25.00 | $25.00 | 2/22/2010 4:47:59 PM |
| jrbill1998 | $50.00 | $50.00 | 2/22/2010 4:46:04 PM |
| Cheburashka | $25.00 | $25.00 | 2/22/2010 4:49:14 PM |
| BzJ108 | $25.00 | $25.00 | 2/22/2010 4:47:23 PM |
| br4444 | $25.00 | $25.00 | 2/22/2010 4:47:41 PM |
| radforj22 | $25.00 | $25.00 | 2/22/2010 4:50:45 PM |
| riproaringrapids | $25.00 | $25.00 | 2/22/2010 4:50:49 PM |
| Kulchar | $26.72 | $26.72 | 2/22/2010 4:52:12 PM |
| resplendent-moola | $25.00 | $25.00 | 2/22/2010 4:53:03 PM |
| theprince | $25.00 | $25.00 | 2/22/2010 4:50:40 PM |
| orgy63 | $25.00 | $25.00 | 2/22/2010 4:51:10 PM |
| Rick7925 | $25.00 | $25.00 | 2/22/2010 4:50:54 PM |
| boater01 | $50.00 | $50.00 | 2/22/2010 4:52:43 PM |
| BigLinCT | $25.00 | $25.00 | 2/22/2010 4:52:32 PM |
| ptjg | $50.00 | $50.00 | 2/22/2010 4:52:37 PM |
| calm-deal7 | $25.00 | $25.00 | 2/22/2010 4:58:23 PM |
| credit-kahuna | $100.00 | $100.00 | 2/22/2010 4:59:54 PM |
| progressive-asset | $100.00 | $100.00 | 2/22/2010 4:58:50 PM |
| hyetech | $35.00 | $35.00 | 2/22/2010 5:00:41 PM |
| time4aloan | $50.00 | $50.00 | 2/22/2010 4:59:25 PM |
| cpaphoto | $25.00 | $25.00 | 2/22/2010 5:01:03 PM |
| niskyfranchise | $25.00 | $25.00 | 2/22/2010 4:59:14 PM |
| Clambake | $50.00 | $50.00 | 2/22/2010 5:00:29 PM |
| impeccable-transparency | $75.00 | $75.00 | 2/22/2010 4:59:47 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/23/2010 9:37:36 PM |
| 633matthew | $54.75 | $54.75 | 2/24/2010 8:56:13 AM |
| silver-mastery | $25.00 | $25.00 | 2/24/2010 11:33:12 AM |
| Pickmar | $25.00 | $25.00 | 2/24/2010 1:50:36 PM |
| careful-penny | $25.00 | $25.00 | 2/24/2010 4:49:17 PM |
| 123 bids
|
Borrower Payment Dependent Notes Series
447786
This series of Notes was issued and sold upon the funding of the borrower loan #41159, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,100.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Feb-24-2010 |
| |
Auction end date:
| Mar-03-2010 |
|
|
Starting lender yield:
| 26.39% |
Starting borrower rate/APR:
| 27.39% / 29.73% |
Starting monthly payment:
| $127.21 |
|
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.57% |
Final monthly payment:
| $125.31 |
| |
|
Auction yield range:
| 11.05% - 26.39% |
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:
| Jan-2004 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 7y 3m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,479 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| commitment-puppy |
Borrower's state:
| Arkansas |
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 payday & small loans
Within this year, my wife & I have suffered a major tragedy.? We lost our firstborn child due to stillbirth.? Because of this, I am trying to help my wife take added stress and pressure off of her by paying off some of her financial debt.? I am financially responsible and do not believe in paying my bills late.? I make a good salary which would enable me to also make the payments of this loan as well as other household expenses. I would also be able to responsibly pay this loan off without any problems.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you briefly explain your income and employment status more? Is this monthly amount before or after taxes are taken out? Also, does the amount listed include your significant others income or is this separate? - SmartConsolidation
A:
Currently, my monthly income after taxes is around $3,000 (without overtime). However, I do work a lot of overtime unexpectedly, which can lead to 12 or 14-hour days. Of course, this would increase my take home pay. The monthly amount stated above is without my spouse's income. She brings home an additional $2476 monthly after taxes. I work full-time at a papermill where I've been employed for 7 years. I work rotating shifts (7am - 3 pm, 3 pm- 11 pm, & 11 pm - 7 am), 7 days straight on each.
(Feb-26-2010)
Q:
I think you?re a great candidate to pledge / bid for!!... Can you briefly list payments on other car loans, personal loans, credit cards, mortgages, etc?.. Also, what are the monthly utilities, ins., living expenses, leases, etc. payments?.. THANKS! - SmartConsolidation
A:
Thank you very much for your support. Here are the monthly payments that I have.
Car loan-$420
Mortgage-$687
Personal loans (total)-$247
Credit cards- $255
Utilities (water, electric, cable, internet)-$340
Gym membership-$40
Cell phone-$90
Insurance (my work vehicle, wife's vehicle, my personal car)-$203
Gym membership-$40
TImeshare-$180
Gas/Food- $300
(Feb-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AF-Chief | $28.00 | $28.00 | 2/24/2010 3:59:34 PM |
| oldmora | $25.00 | $25.00 | 2/24/2010 3:59:29 PM |
| anton | $150.00 | $150.00 | 2/24/2010 3:59:48 PM |
| Sateesh | $90.32 | $90.32 | 2/24/2010 4:00:06 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/24/2010 4:00:12 PM |
| point-shooter | $25.00 | $25.00 | 2/24/2010 4:00:47 PM |
| steely_dan34 | $25.00 | $25.00 | 2/24/2010 4:01:14 PM |
| burrito6 | $25.00 | $25.00 | 2/24/2010 4:01:24 PM |
| mtnsofutah | $25.00 | $25.00 | 2/27/2010 8:36:35 PM |
| forthright-trade | $25.00 | $25.00 | 3/1/2010 6:32:31 PM |
| run_dmc | $100.00 | $100.00 | 3/2/2010 10:36:52 AM |
| dudebrah | $25.00 | $25.00 | 3/2/2010 2:16:39 PM |
| atomantic | $25.00 | $25.00 | 3/3/2010 2:14:58 AM |
| The-CAPS-fan | $25.00 | $25.00 | 3/3/2010 5:24:56 AM |
| RobinHood | $50.00 | $50.00 | 3/3/2010 8:29:31 AM |
| kindness-venture1 | $25.00 | $25.00 | 3/3/2010 10:15:10 AM |
| ultimate-peace | $100.00 | $100.00 | 3/3/2010 2:00:40 PM |
| important-ore | $50.00 | $50.00 | 2/24/2010 4:00:03 PM |
| klinebarger | $25.00 | $25.00 | 2/24/2010 4:00:16 PM |
| greatwhiteninja | $25.00 | $25.00 | 2/24/2010 4:00:59 PM |
| the-silver-blaster | $25.00 | $25.00 | 2/24/2010 4:01:18 PM |
| Nickle-and-Dime-Loans | $25.00 | $25.00 | 2/24/2010 3:59:07 PM |
| social-conductor4 | $25.00 | $25.00 | 2/24/2010 3:59:13 PM |
| Kaj | $25.00 | $25.00 | 2/24/2010 3:59:22 PM |
| seisen | $100.00 | $100.00 | 2/24/2010 3:59:26 PM |
| tallmon | $25.00 | $25.00 | 2/24/2010 3:59:46 PM |
| natural-greenback6 | $25.00 | $25.00 | 2/24/2010 3:59:54 PM |
| elegant-loot | $25.00 | $25.00 | 2/24/2010 3:59:58 PM |
| pkp121 | $25.00 | $25.00 | 2/24/2010 4:00:24 PM |
| autonomous-truth | $25.00 | $25.00 | 2/24/2010 4:00:36 PM |
| point | $25.00 | $25.00 | 2/24/2010 4:00:41 PM |
| PatriotKnight | $25.00 | $25.00 | 2/24/2010 4:00:51 PM |
| Red_b17 | $25.00 | $25.00 | 2/24/2010 4:01:06 PM |
| resource777 | $25.00 | $25.00 | 2/24/2010 4:00:56 PM |
| Streetfighter | $100.00 | $100.00 | 2/24/2010 4:01:03 PM |
| mtandb | $25.00 | $15.59 | 2/24/2010 4:01:38 PM |
| wise-handy-finance | $25.00 | $25.00 | 2/24/2010 4:01:10 PM |
| Bob450 | $25.00 | $25.00 | 2/24/2010 9:45:35 PM |
| UCLA4life | $25.00 | $25.00 | 2/26/2010 3:12:29 PM |
| CashFlow13 | $800.00 | $800.00 | 2/28/2010 9:17:18 AM |
| back-scratchers | $25.00 | $25.00 | 3/1/2010 5:53:52 PM |
| vigilance-searcher | $25.00 | $25.00 | 3/2/2010 11:16:53 AM |
| toxicbutterfly | $30.00 | $30.00 | 3/2/2010 11:16:25 AM |
| bitano | $25.00 | $25.00 | 3/3/2010 7:19:19 AM |
| clipper271 | $25.00 | $25.00 | 3/3/2010 8:55:56 AM |
| kendigme | $32.64 | $32.64 | 3/3/2010 1:50:33 AM |
| lookin_up | $50.00 | $50.00 | 3/3/2010 5:52:25 AM |
| oreyedoc | $25.00 | $25.00 | 3/3/2010 7:45:18 AM |
| trade-elm | $25.00 | $25.00 | 3/3/2010 12:00:38 PM |
| charming-point | $300.00 | $300.00 | 3/3/2010 9:52:23 AM |
| unger | $50.00 | $50.00 | 3/3/2010 7:27:42 AM |
| shrewd-income | $50.00 | $50.00 | 3/3/2010 7:53:26 AM |
| grnii78 | $50.00 | $50.00 | 3/3/2010 10:55:41 AM |
| new-truth-chuckler | $53.45 | $53.45 | 3/3/2010 1:16:28 PM |
| I_want_to_help_you | $25.00 | $25.00 | 3/3/2010 2:00:53 PM |
| 55 bids
|
Borrower Payment Dependent Notes Series
447914
This series of Notes was issued and sold upon the funding of the borrower loan #41156, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Feb-24-2010 |
| |
Auction end date:
| Mar-01-2010 |
|
|
Starting lender yield:
| 22.69% |
Starting borrower rate/APR:
| 23.69% / 26.24% |
Starting monthly payment:
| $58.61 |
|
Final lender yield:
| 19.95% |
Final borrower rate/APR:
| 20.95% / 23.46% |
Final monthly payment:
| $56.47 |
| |
|
Auction yield range:
| 8.05% - 22.69% |
Estimated loss impact:
| 8.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.48% | | |
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-2003 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 7y 11m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 6 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,546 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wampum-neutron2 |
Borrower's state:
| Pennsylvania |
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
plumbing upgrade
Purpose of loan:
This loan will be used to provide improved water delivery system throughout home.?
My financial situation:
I am a good candidate for this loan because my home is paid for and my expenses are?low?
Monthly net income: $
1,025.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 65.00
??Car expenses: $ 0
??Utilities: $ 190.00
??Phone, cable, internet: $ 144.00
??Food, entertainment: $ 170.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 93.00
??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
Q:
What exactly are you having done regarding the plumbing? - Hartfelt
A:
I will be rechanneliing water lines to clothes washer and wash room which will be moved to new addition of house (pantry plus).
(Mar-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ScizyKBC | $25.00 | $25.00 | 2/24/2010 4:59:34 PM |
| pacos1 | $50.00 | $50.00 | 2/24/2010 5:37:25 PM |
| Brown98 | $25.00 | $25.00 | 2/25/2010 11:26:31 AM |
| donenzo | $25.00 | $25.00 | 2/25/2010 11:09:38 PM |
| kginatl | $50.05 | $50.05 | 2/26/2010 12:12:00 PM |
| wild_carrot | $25.00 | $25.00 | 2/26/2010 4:35:34 PM |
| szetheli | $154.00 | $154.00 | 2/27/2010 9:34:25 AM |
| AaronL | $25.00 | $25.00 | 2/27/2010 10:28:33 AM |
| earlybird172961 | $34.00 | $34.00 | 2/28/2010 7:05:19 AM |
| kindness-venture1 | $25.00 | $25.00 | 3/1/2010 2:29:55 PM |
| reflective-rupee | $25.00 | $25.00 | 3/1/2010 3:30:59 PM |
| asya | $25.00 | $25.00 | 3/1/2010 1:12:16 PM |
| investment-party | $31.58 | $31.58 | 3/1/2010 11:56:54 AM |
| webfeet | $25.00 | $25.00 | 3/1/2010 1:35:53 PM |
| loan_doctor | $25.00 | $25.00 | 2/24/2010 4:15:05 PM |
| n036939 | $25.00 | $25.00 | 2/24/2010 5:04:33 PM |
| iflyforfun | $25.00 | $25.00 | 2/24/2010 5:06:47 PM |
| cognizant-rate732 | $50.00 | $50.00 | 2/24/2010 4:18:54 PM |
| duty-accomplishment | $25.00 | $25.00 | 2/24/2010 5:40:44 PM |
| Tai | $25.00 | $25.00 | 2/24/2010 4:45:29 PM |
| grammaspurse | $25.00 | $25.00 | 2/24/2010 8:47:39 PM |
| the-profit-oracle | $25.00 | $25.00 | 2/24/2010 8:56:57 PM |
| Bob450 | $25.00 | $25.00 | 2/24/2010 9:35:20 PM |
| Bank_Of_XL | $25.00 | $25.00 | 2/24/2010 9:37:11 PM |
| Myrick | $25.00 | $25.00 | 2/25/2010 3:54:26 AM |
| marwadi-62 | $50.00 | $50.00 | 2/26/2010 10:22:18 AM |
| SkinnyFish | $25.00 | $25.00 | 2/26/2010 1:35:30 PM |
| statenisland51 | $25.00 | $25.00 | 2/26/2010 2:21:18 PM |
| chuckiebklyn | $25.00 | $25.00 | 2/26/2010 3:14:34 PM |
| neighborly-bid | $25.00 | $25.00 | 2/28/2010 9:42:01 AM |
| ColoradoBanker | $30.27 | $30.27 | 2/28/2010 8:51:43 PM |
| helping-out | $25.00 | $25.00 | 2/28/2010 1:03:28 PM |
| DocVT | $25.00 | $25.00 | 2/28/2010 1:33:35 PM |
| GInBaghdad | $25.00 | $25.00 | 2/28/2010 7:05:33 PM |
| Southern_Illinois_Girl | $35.00 | $35.00 | 3/1/2010 12:56:18 PM |
| porwestco | $25.00 | $25.00 | 3/1/2010 3:57:45 PM |
| Tevco_Investments | $25.00 | $25.00 | 3/1/2010 12:06:40 PM |
| melodious-bid | $200.00 | $140.10 | 3/1/2010 2:07:33 PM |
| lucrative-transparency0 | $100.00 | $100.00 | 3/1/2010 2:10:58 PM |
| IPG1 | $25.00 | $25.00 | 3/1/2010 2:57:04 PM |
| sturdy-fairness5 | $25.00 | $25.00 | 3/1/2010 3:57:46 PM |
| intelligent-yield | $25.00 | $25.00 | 3/1/2010 4:51:24 PM |
| 42 bids
|
Borrower Payment Dependent Notes Series
448136
This series of Notes was issued and sold upon the funding of the borrower loan #41197, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| Mar-02-2010 |
| |
Auction end date:
| Mar-03-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $99.52 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $99.52 |
| |
|
Auction yield range:
| 17.05% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
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:
| Feb-1991 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 20y 4m |
|
Credit score:
| 620-639 (Feb-2010) |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,601 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 105% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| blondie08 |
Borrower's state:
| California |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,400.00 | < mo. late:
| 0
( 0% )
| 600-619
(Aug-2009)
620-639
(Oct-2007)
|
|
Principal balance:
| $1,090.99 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
Current Borrower in Good Standing
Hello and thank you for taking the time to view my listing.? I am a current borrowerer with an active loan and a great payment history.?I am still have a good job with the same company.? You helped me slay?my payday loans before and now? I would like to pay off CashCall.? A few years ago I found myself in a bit of a pickle due a bad roomate situation and a car emergnecy so I foolishly (yes chime in if you want) and borrwed money from CashCall.? I have been trying to pay this loan down but the interest rates are so high ?I don't seem to get anywhere.? I would really like to get this loan paid off and I would rather give the money to you.? I understand these are tough times so your help is more than greatly appreciated.? Thank in advance for your consideration.
Rent $796
Insurance $128 (includes car and renters)Utilities $60
Phone and Internet $75
Food and Entertainment $250Credit Card? and Loans?? $450
Current Prospect Loan 133
Saving $150-175 per paycheck
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| eronyc | $25.00 | $25.00 | 3/2/2010 4:45:40 PM |
| micko | $25.00 | $25.00 | 3/3/2010 6:18:39 AM |
| EEasyMoney | $50.00 | $50.00 | 3/2/2010 9:59:24 PM |
| aquistoyraul | $2,025.00 | $2,025.00 | 3/3/2010 11:14:06 AM |
| dynrep | $25.00 | $25.00 | 3/3/2010 9:14:29 AM |
| chameleon125 | $50.00 | $50.00 | 3/3/2010 7:23:40 AM |
| 6 bids
|
Borrower Payment Dependent Notes Series
448650
This series of Notes was issued and sold upon the funding of the borrower loan #41174, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Mar-03-2010 |
| |
Auction end date:
| Mar-10-2010 |
|
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 25.97% |
Starting monthly payment:
| $117.20 |
|
Final lender yield:
| 20.87% |
Final borrower rate/APR:
| 21.87% / 24.13% |
Final monthly payment:
| $114.37 |
| |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.49% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.38% | | |
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-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
4 | Length of status: | 12y 2m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 14 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,411 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| ore-saffron |
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 a credit card
Purpose of loan:
This loan will be used to pay off a credit card and get rid of a high interest rate.
My financial situation:
I am a good candidate for this loan because I pay all my bills on time and have been self employed for 12 years now.
Monthly net income: $ 2,500-3,000 Monthly expenses: $ 1,767.50?Housing: $277.50
??Insurance: $65
??Car expenses: $75
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $700
??Other expenses: $150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| helpneachother | $25.00 | $25.00 | 3/3/2010 4:50:10 PM |
| Bob450 | $50.00 | $50.00 | 3/3/2010 10:43:47 PM |
| SolarMoonshine | $25.00 | $25.00 | 3/3/2010 5:50:08 PM |
| nina8580 | $50.00 | $50.00 | 3/4/2010 8:41:18 PM |
| poolshark72 | $25.00 | $25.00 | 3/4/2010 11:15:57 PM |
| scho0590 | $33.97 | $33.97 | 3/5/2010 8:04:00 AM |
| cash-vault | $25.00 | $25.00 | 3/5/2010 9:24:16 AM |
| generous-deal6 | $25.00 | $25.00 | 3/6/2010 5:03:29 PM |
| GInBaghdad | $25.00 | $25.00 | 3/8/2010 5:47:46 PM |
| wise-courageous-social | $25.00 | $25.00 | 3/8/2010 6:23:26 PM |
| rockymtbob | $40.00 | $40.00 | 3/8/2010 6:27:58 PM |
| mlj0671 | $25.00 | $25.00 | 3/9/2010 5:33:14 AM |
| principal-laser | $60.00 | $60.00 | 3/9/2010 4:44:35 AM |
| dudebrah | $25.00 | $25.00 | 3/9/2010 1:07:38 PM |
| dunrizzo | $29.87 | $29.87 | 3/9/2010 4:15:56 PM |
| dynrep | $50.00 | $50.00 | 3/9/2010 4:19:47 PM |
| Leopoldine | $25.00 | $25.00 | 3/9/2010 5:42:08 PM |
| agent86a | $25.00 | $25.00 | 3/9/2010 5:49:53 PM |
| vest_vortex | $25.00 | $25.00 | 3/9/2010 6:13:15 PM |
| oceanside | $25.00 | $25.00 | 3/9/2010 5:04:17 PM |
| brightest-dignified-penny | $25.00 | $25.00 | 3/9/2010 5:23:31 PM |
| credit-coach118 | $25.00 | $25.00 | 3/9/2010 8:45:20 PM |
| 1-HARD-HEAD | $150.00 | $150.00 | 3/10/2010 12:19:11 AM |
| psycardis | $25.00 | $25.00 | 3/9/2010 8:46:45 PM |
| engbusres | $30.00 | $30.00 | 3/9/2010 10:27:31 PM |
| Taho | $50.00 | $50.00 | 3/10/2010 7:12:39 AM |
| MrMoneyBags | $25.00 | $25.00 | 3/9/2010 7:54:35 PM |
| aztec | $50.00 | $50.00 | 3/9/2010 10:42:46 PM |
| wild-orange | $40.00 | $40.00 | 3/10/2010 1:16:58 AM |
| Myrick | $25.00 | $25.00 | 3/10/2010 10:14:10 AM |
| maximizer | $25.00 | $25.00 | 3/10/2010 9:41:21 AM |
| clipper271 | $25.00 | $25.00 | 3/10/2010 7:15:55 AM |
| steady-dime | $25.00 | $25.00 | 3/10/2010 11:27:19 AM |
| OGS_Capital | $25.00 | $25.00 | 3/10/2010 10:20:34 AM |
| Leshan | $25.00 | $25.00 | 3/10/2010 12:05:56 PM |
| enthusiastic-point | $25.00 | $25.00 | 3/10/2010 11:37:44 AM |
| businessguy29 | $25.00 | $25.00 | 3/10/2010 9:37:35 AM |
| funtwosay | $25.00 | $25.00 | 3/10/2010 12:44:32 PM |
| RMB-Investments | $50.00 | $50.00 | 3/10/2010 2:58:46 PM |
| Pu239 | $50.00 | $50.00 | 3/10/2010 11:38:22 AM |
| JiggaJoeyS | $75.16 | $75.16 | 3/10/2010 4:03:03 PM |
| Engineer44 | $25.00 | $25.00 | 3/10/2010 4:10:52 PM |
| dynrep | $50.00 | $50.00 | 3/10/2010 3:42:54 PM |
| moola-man | $30.00 | $30.00 | 3/10/2010 3:58:20 PM |
| PotBellyPete | $40.00 | $40.00 | 3/10/2010 1:19:32 PM |
| leverage-monger | $55.29 | $55.29 | 3/10/2010 2:36:23 PM |
| ultimate-peace | $200.00 | $200.00 | 3/10/2010 3:26:45 PM |
| DasMula | $50.00 | $50.00 | 3/10/2010 3:35:50 PM |
| foothillender | $25.00 | $25.00 | 3/4/2010 12:04:44 PM |
| drkosh | $25.00 | $25.00 | 3/7/2010 9:18:54 AM |
| LuvToLend | $25.00 | $25.00 | 3/7/2010 12:40:13 PM |
| new-peso-concerto | $25.00 | $25.00 | 3/8/2010 5:54:30 AM |
| Goddess-4-one | $25.00 | $25.00 | 3/9/2010 9:27:52 AM |
| alpinaut | $25.00 | $25.00 | 3/9/2010 5:05:40 AM |
| DalCowboys | $50.00 | $50.00 | 3/9/2010 3:42:00 PM |
| mckhbnpc | $25.00 | $25.00 | 3/9/2010 2:52:17 PM |
| SkinnyFish | $25.00 | $25.00 | 3/9/2010 3:31:19 PM |
| awwaaww | $25.00 | $25.00 | 3/9/2010 6:23:42 PM |
| Drewbacca | $25.00 | $25.00 | 3/9/2010 8:13:07 PM |
| daekpon | $25.00 | $25.00 | 3/10/2010 3:00:08 AM |
| grnii78 | $100.00 | $100.00 | 3/10/2010 3:54:48 AM |
| charming-point | $300.00 | $175.71 | 3/10/2010 8:35:13 AM |
| bitano | $50.00 | $50.00 | 3/10/2010 7:06:51 AM |
| oreyedoc | $25.00 | $25.00 | 3/10/2010 7:39:40 AM |
| leverage-monger | $25.00 | $25.00 | 3/10/2010 7:46:50 AM |
| jybank | $25.00 | $25.00 | 3/10/2010 9:07:25 AM |
| santhana | $50.00 | $50.00 | 3/10/2010 5:45:08 AM |
| glenium | $25.00 | $25.00 | 3/10/2010 6:11:46 AM |
| The-CAPS-fan | $25.00 | $25.00 | 3/10/2010 7:08:25 AM |
| ColoradoLender82 | $25.00 | $25.00 | 3/10/2010 11:38:37 AM |
| guardian3 | $25.00 | $25.00 | 3/10/2010 12:39:02 PM |
| trade-elm | $25.00 | $25.00 | 3/10/2010 2:43:03 PM |
| Smallbear | $25.00 | $25.00 | 3/10/2010 1:41:40 PM |
| Luv2Bless | $50.00 | $50.00 | 3/10/2010 4:05:46 PM |
| sildoc | $25.00 | $25.00 | 3/10/2010 3:44:30 PM |
| PotBellyPete | $40.00 | $40.00 | 3/10/2010 1:22:36 PM |
| Ven58 | $25.00 | $25.00 | 3/10/2010 2:47:59 PM |
| ALFLoan | $25.00 | $25.00 | 3/10/2010 3:44:53 PM |
| 78 bids
|
Borrower Payment Dependent Notes Series
448772
This series of Notes was issued and sold upon the funding of the borrower loan #41200, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Mar-03-2010 |
| |
Auction end date:
| Mar-05-2010 |
|
|
Starting lender yield:
| 20.07% |
Starting borrower rate/APR:
| 21.07% / 23.58% |
Starting monthly payment:
| $56.57 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 22.39% |
Final monthly payment:
| $55.67 |
| |
|
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:
| May-1992 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
9 | Length of status: | 1y 7m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 52 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,695 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| welder5 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Replacing a Leaking Bath Tub
Purpose of loan:
This loan will be used to help replace a leaking bath tub in my children's bathroom.
My financial situation:
I am a good candidate for this loan because I work hard, pay my bills and have a stable job and income.
Monthly net income: $ 6900
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 35
??Car expenses: $ 570
??Utilities: $ 140
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $?600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| skuba | $25.00 | $25.00 | 3/3/2010 4:18:09 PM |
| asset-professor | $75.00 | $75.00 | 3/3/2010 4:20:52 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 3/3/2010 4:20:56 PM |
| hitsman | $50.00 | $50.00 | 3/3/2010 4:21:28 PM |
| xstreamin | $25.00 | $25.00 | 3/3/2010 4:21:32 PM |
| wise-handy-finance | $25.00 | $25.00 | 3/3/2010 4:22:11 PM |
| Aimvest | $25.00 | $25.00 | 3/3/2010 4:22:33 PM |
| the-profit-oracle | $25.00 | $25.00 | 3/3/2010 4:26:48 PM |
| impressive-loan | $187.39 | $187.39 | 3/3/2010 4:19:07 PM |
| desertoasis | $50.00 | $50.00 | 3/3/2010 4:19:28 PM |
| poolshark72 | $25.00 | $25.00 | 3/3/2010 9:10:36 PM |
| flexible-value | $26.00 | $26.00 | 3/3/2010 4:22:22 PM |
| AF-Chief | $28.00 | $28.00 | 3/3/2010 4:16:34 PM |
| tranquil-diversification8 | $25.00 | $25.00 | 3/3/2010 4:21:54 PM |
| Bank_Of_XL | $100.00 | $100.00 | 3/4/2010 9:19:55 AM |
| integrity-doctor | $50.00 | $50.00 | 3/4/2010 12:33:43 PM |
| uncleubb | $25.00 | $25.00 | 3/4/2010 1:36:45 PM |
| Patrician | $25.00 | $25.00 | 3/5/2010 12:33:05 PM |
| Microfinancer | $25.00 | $25.00 | 3/3/2010 4:20:57 PM |
| progressive-asset | $100.00 | $100.00 | 3/3/2010 4:21:26 PM |
| torion | $25.00 | $25.00 | 3/3/2010 4:21:35 PM |
| Avala | $50.00 | $50.00 | 3/3/2010 4:21:38 PM |
| gavinfh | $25.00 | $25.00 | 3/3/2010 4:21:52 PM |
| the-silver-blaster | $40.00 | $40.00 | 3/3/2010 4:22:05 PM |
| delicious-social132 | $25.00 | $25.00 | 3/3/2010 4:22:27 PM |
| mg6619 | $25.00 | $25.00 | 3/3/2010 4:22:31 PM |
| irrelevant | $25.00 | $18.61 | 3/3/2010 4:22:46 PM |
| macjp123 | $25.00 | $25.00 | 3/3/2010 4:21:24 PM |
| Clambake | $50.00 | $50.00 | 3/3/2010 4:21:31 PM |
| bonafide-cash | $50.00 | $50.00 | 3/3/2010 4:21:34 PM |
| bold-durability-drum | $25.00 | $25.00 | 3/3/2010 4:22:07 PM |
| personal-lender | $25.00 | $25.00 | 3/3/2010 4:22:26 PM |
| success1001 | $50.00 | $50.00 | 3/3/2010 4:22:34 PM |
| Bob450 | $25.00 | $25.00 | 3/3/2010 10:29:36 PM |
| webfeet | $25.00 | $25.00 | 3/4/2010 6:03:21 AM |
| 35 bids
|
Borrower Payment Dependent Notes Series
448806
This series of Notes was issued and sold upon the funding of the borrower loan #41182, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| Mar-05-2010 |
| |
Auction end date:
| Mar-09-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 39.15% |
Final monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
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:
| Nov-1998 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 9m |
|
Credit score:
| 620-639 (Feb-2010) |
Total credit lines:
| 40 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $494 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| itgeekguy |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 58% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 8
( 42% )
| 560-579
(Jul-2008)
|
|
Principal balance:
| $583.54 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Debt Reduction
Purpose of loan:
This loan will be used to pay down debt.?
My financial situation:
My debt to income ratio is low and if you can look at the total picture you will see that I am a good risk!
Monthly net income: $ 4353
Monthly expenses: $
??Housing: $?1160
??Insurance: $ 130
?Car expenses: $ 150?
?Utilities: $ 120?
?Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 50?
??Credit cards and other loans: $ 40
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fcb202 | $25.00 | $25.00 | 3/5/2010 4:45:10 PM |
| DasMula | $50.00 | $50.00 | 3/5/2010 10:33:48 PM |
| chameleon125 | $50.00 | $50.00 | 3/6/2010 7:20:18 AM |
| LuvToLend | $25.00 | $25.00 | 3/7/2010 12:47:47 PM |
| blitzen40 | $25.00 | $25.00 | 3/8/2010 6:49:39 AM |
| victor111 | $25.00 | $25.00 | 3/8/2010 7:53:53 AM |
| cerebral-marketplace3 | $25.00 | $25.00 | 3/8/2010 3:46:05 PM |
| dynrep | $25.00 | $25.00 | 3/9/2010 3:34:20 PM |
| Philman | $25.00 | $25.00 | 3/9/2010 6:49:35 PM |
| bobd32 | $25.00 | $25.00 | 3/5/2010 4:57:03 PM |
| Bob450 | $25.00 | $25.00 | 3/5/2010 9:13:03 PM |
| aztocas | $25.00 | $25.00 | 3/5/2010 10:41:21 PM |
| gbruenin | $25.00 | $25.00 | 3/5/2010 7:01:09 PM |
| periko | $25.00 | $25.00 | 3/5/2010 9:44:46 PM |
| buffalobills | $25.00 | $25.00 | 3/7/2010 8:26:21 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 3/8/2010 7:39:22 AM |
| admirable-loyalty | $30.00 | $30.00 | 3/8/2010 3:18:01 PM |
| SolarMoonshine | $25.00 | $25.00 | 3/8/2010 5:12:58 PM |
| innovator2 | $125.00 | $125.00 | 3/8/2010 8:40:14 PM |
| Tono | $25.00 | $25.00 | 3/9/2010 3:32:15 PM |
| helping-out | $185.00 | $185.00 | 3/9/2010 8:55:33 PM |
| aztec | $80.75 | $80.75 | 3/9/2010 10:53:15 PM |
| aquistoyraul | $75.00 | $29.25 | 3/9/2010 5:12:01 PM |
| micko | $25.00 | $25.00 | 3/9/2010 7:47:24 PM |
| Ronnieboy888 | $25.00 | $25.00 | 3/9/2010 8:35:20 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
449356
This series of Notes was issued and sold upon the funding of the borrower loan #41177, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Mar-08-2010 |
| |
Auction end date:
| Mar-10-2010 |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $77.34 |
|
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $77.31 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
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:
| Aug-1995 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
8 | Length of status: | 8y 10m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 51 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,944 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| golden-repayment4 |
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 down medical bills
Purpose of loan:
This loan will be used to pay down medical bills and my house insurance for 2010.?
My financial situation:
I am a good candidate for this loan because I have had the same job for the last 10 years. I work for a worldwide company that is doing well in this economy.
I became very sick in late 2009, but continued to work throughout the sickness. Thankfully, it was not life threatening, but it did leave me with many medical bills.? In addition to being sick, my husband was unemployed most of 2009, due to being laid off from his previous sales position. Thankfully, he was able to get another career started in October, not in sales.? We are in the middle of selling some of our material things, so as to not have this loan for the entire 36 months.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kenji4861 | $50.00 | $50.00 | 3/8/2010 4:07:23 PM |
| important-ore | $100.00 | $100.00 | 3/8/2010 4:16:39 PM |
| Philolend | $25.00 | $25.00 | 3/8/2010 4:17:29 PM |
| moola-man | $50.00 | $50.00 | 3/8/2010 4:17:44 PM |
| desertoasis | $25.00 | $25.00 | 3/8/2010 4:17:55 PM |
| bedframe | $25.00 | $25.00 | 3/8/2010 4:18:49 PM |
| engaging-worth | $30.00 | $30.00 | 3/8/2010 4:19:08 PM |
| delicious-social132 | $40.00 | $40.00 | 3/8/2010 4:26:37 PM |
| Microfinancer | $25.00 | $25.00 | 3/8/2010 4:15:48 PM |
| flexible-value | $31.00 | $31.00 | 3/8/2010 4:27:28 PM |
| inspired-contract9 | $50.00 | $50.00 | 3/8/2010 4:16:57 PM |
| rolandweary | $30.00 | $30.00 | 3/8/2010 4:31:51 PM |
| platinum-platoon | $25.00 | $25.00 | 3/8/2010 4:34:22 PM |
| radforj22 | $25.00 | $25.00 | 3/8/2010 4:27:15 PM |
| gain-seagull9 | $25.00 | $25.00 | 3/8/2010 4:39:57 PM |
| srgriff | $25.00 | $25.00 | 3/8/2010 4:38:30 PM |
| lendersf | $95.00 | $95.00 | 3/8/2010 4:31:55 PM |
| leodaguy | $25.00 | $25.00 | 3/8/2010 4:40:21 PM |
| Goodlender42 | $25.00 | $25.00 | 3/8/2010 4:33:52 PM |
| amsocool | $25.00 | $25.00 | 3/8/2010 4:45:33 PM |
| clean-loyalty | $25.00 | $25.00 | 3/8/2010 4:39:20 PM |
| intelligent-yield | $25.00 | $25.00 | 3/8/2010 4:50:57 PM |
| blissful-note7 | $25.00 | $25.00 | 3/8/2010 4:59:41 PM |
| winlender | $25.00 | $25.00 | 3/8/2010 4:51:38 PM |
| highcountry1 | $25.00 | $25.00 | 3/8/2010 6:09:11 PM |
| interest-exec9 | $25.00 | $25.00 | 3/9/2010 6:42:30 AM |
| successful-euro | $30.00 | $30.00 | 3/9/2010 9:39:43 AM |
| Havana21 | $25.00 | $25.00 | 3/9/2010 9:41:09 AM |
| powerful-benefit | $25.00 | $25.00 | 3/9/2010 9:58:39 AM |
| ddamenace | $25.00 | $25.00 | 3/9/2010 9:38:49 AM |
| treasure-hunter270 | $25.00 | $25.00 | 3/9/2010 9:43:38 AM |
| poppinkid | $25.00 | $25.00 | 3/9/2010 9:57:22 AM |
| kulender | $25.00 | $13.00 | 3/9/2010 10:28:42 AM |
| dollar-birdie | $50.00 | $50.00 | 3/8/2010 4:15:35 PM |
| skuba | $50.00 | $50.00 | 3/8/2010 4:16:21 PM |
| Banker7371 | $25.00 | $25.00 | 3/8/2010 4:17:37 PM |
| webfeet | $25.00 | $25.00 | 3/8/2010 4:17:18 PM |
| quintilian | $25.00 | $25.00 | 3/8/2010 4:20:59 PM |
| jeffpac | $55.00 | $55.00 | 3/8/2010 4:25:37 PM |
| HHP | $25.00 | $25.00 | 3/8/2010 4:26:50 PM |
| reflective-deal8 | $50.00 | $50.00 | 3/8/2010 4:27:04 PM |
| asset-professor | $100.00 | $100.00 | 3/8/2010 4:16:02 PM |
| unassuming-reward | $25.00 | $25.00 | 3/8/2010 4:16:52 PM |
| skvat | $25.00 | $25.00 | 3/8/2010 4:17:10 PM |
| credit-force5 | $25.00 | $25.00 | 3/8/2010 4:29:14 PM |
| wampum-reaction2 | $25.00 | $25.00 | 3/8/2010 4:29:26 PM |
| fightinjoe | $25.00 | $25.00 | 3/8/2010 4:18:00 PM |
| safe-payment8 | $25.00 | $25.00 | 3/8/2010 4:18:17 PM |
| Castellan | $25.00 | $25.00 | 3/8/2010 4:18:36 PM |
| economy-association | $25.00 | $25.00 | 3/8/2010 4:32:44 PM |
| djs81 | $25.00 | $25.00 | 3/8/2010 4:34:37 PM |
| Zanch | $25.00 | $25.00 | 3/8/2010 4:33:59 PM |
| lloyd_s | $25.00 | $25.00 | 3/8/2010 4:26:24 PM |
| PittsburghCapital | $25.00 | $25.00 | 3/8/2010 4:39:12 PM |
| honorable-yield | $75.00 | $75.00 | 3/8/2010 4:29:44 PM |
| senorzookeeper | $25.00 | $25.00 | 3/8/2010 4:29:58 PM |
| bonus-adventure3 | $25.00 | $25.00 | 3/8/2010 4:31:15 PM |
| gauss02 | $25.00 | $25.00 | 3/8/2010 4:39:31 PM |
| MoneyMA | $25.00 | $25.00 | 3/8/2010 4:42:44 PM |
| peb44 | $25.00 | $25.00 | 3/8/2010 4:42:52 PM |
| Supernick | $50.00 | $50.00 | 3/8/2010 4:43:33 PM |
| awwaww | $25.00 | $25.00 | 3/8/2010 4:47:20 PM |
| aasx1108 | $25.00 | $25.00 | 3/8/2010 5:00:57 PM |
| steady-gain5 | $25.00 | $25.00 | 3/8/2010 4:47:48 PM |
| buraky | $25.00 | $25.00 | 3/8/2010 4:49:12 PM |
| bigdogsafety1 | $25.00 | $25.00 | 3/8/2010 4:51:21 PM |
| micko | $25.00 | $25.00 | 3/8/2010 5:01:51 PM |
| blot44 | $25.00 | $25.00 | 3/8/2010 8:43:09 PM |
| Koma67 | $25.00 | $25.00 | 3/9/2010 5:28:30 AM |
| loner001 | $25.00 | $25.00 | 3/8/2010 5:13:10 PM |
| InvestorPartners | $25.00 | $25.00 | 3/8/2010 11:42:14 PM |
| alpinaut | $25.00 | $25.00 | 3/9/2010 5:12:36 AM |
| catomaior | $25.00 | $25.00 | 3/8/2010 9:07:13 PM |
| bowdish1 | $50.00 | $50.00 | 3/9/2010 8:17:46 AM |
| bds9646 | $26.00 | $26.00 | 3/9/2010 9:46:37 AM |
| market-builder | $25.00 | $25.00 | 3/9/2010 9:30:35 AM |
| nunnie | $25.00 | $25.00 | 3/9/2010 9:38:33 AM |
| mlopez2007 | $25.00 | $25.00 | 3/9/2010 9:45:17 AM |
| meenan | $25.00 | $25.00 | 3/9/2010 9:45:40 AM |
| 79 bids
|
Borrower Payment Dependent Notes Series
447205
This series of Notes was issued and sold upon the funding of the borrower loan #41180, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,900.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Feb-18-2010 |
| |
Auction end date:
| Feb-25-2010 |
|
|
Starting lender yield:
| 33.50% |
Starting borrower rate/APR:
| 34.50% / 36.95% |
Starting monthly payment:
| $85.41 |
|
Final lender yield:
| 28.00% |
Final borrower rate/APR:
| 29.00% / 31.36% |
Final monthly payment:
| $79.62 |
| |
|
Auction yield range:
| 11.05% - 33.50% |
Estimated loss impact:
| 10.70% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.30% | | |
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:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 11m |
|
Credit score:
| 680-699 (Feb-2010) |
Total credit lines:
| 3 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,054 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| areobic1 |
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
Want Credit Card balance to Zero!
Well my previous 2 listings were funded, but there was a foul up with documents at Propser so here's my listing again. I always send my documents immediatley. If there's an error or they cant read it well ,and by the time Prosper tells you the problem, it isnt enough time for the 7 day time limit to get it in. Especially if it's a form they want mailed in.
Anyways, I still think Prosper is great.
Purpose of loan: This loan will be used to?get credit cards down to Zero especially becuase of the new changes with CC cards.
(Balance on three cards is about $1900). It's not a whole lot owed, but I've come to realize that credit cards are somewhat evil. Only to be used as an extreme emergency and to be paid back very quickly.
My financial situation: I'm self employed with my son that works with me. I own a window cleaning service that has steady work all year and much more in the summer.
Monthly net income: $3800
Monthly expenses:
Housing: $125
Insurance: $80
Car expenses: $250 Gas/maint.
?Utilities: $75
Phone, cable, internet: $195
?Food, entertainment: $450
Clothing, household expenses: $95
Credit cards and other loans: $60
Kaiser Medical Insurance: $493
Dental Insurance: $30
Other expenses: Misc. $200+or-
Money sent to father in Mexico: $400
IRA: $50
Total Expenses-$ 3628
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Bob450 | $25.00 | $25.00 | 2/18/2010 5:14:08 PM |
| USNavyVet | $25.00 | $25.00 | 2/19/2010 10:37:29 AM |
| dpries123 | $25.00 | $25.00 | 2/20/2010 9:37:29 PM |
| Pu239 | $50.00 | $50.00 | 2/23/2010 10:43:18 PM |
| mt3209 | $25.00 | $25.00 | 2/24/2010 11:55:40 AM |
| Leshan | $25.00 | $25.00 | 2/25/2010 7:16:07 AM |
| TheSweetLender | $30.00 | $30.00 | 2/24/2010 9:56:46 PM |
| rvfbroker | $25.00 | $25.00 | 2/25/2010 8:29:43 AM |
| jules3304 | $25.00 | $25.00 | 2/25/2010 10:28:52 AM |
| brosco2323 | $25.00 | $25.00 | 2/25/2010 11:36:30 AM |
| responsible-worth113 | $25.00 | $25.00 | 2/25/2010 3:53:21 PM |
| wild-orange | $25.00 | $25.00 | 2/25/2010 12:40:17 PM |
| gold-cluster | $100.00 | $100.00 | 2/25/2010 1:29:21 PM |
| leverage-monger | $25.22 | $25.22 | 2/25/2010 4:03:34 PM |
| LuvToLend | $25.00 | $25.00 | 2/25/2010 2:07:37 PM |
| serene-capital | $25.00 | $25.00 | 2/25/2010 4:04:18 PM |
| credit-missile | $100.00 | $100.00 | 2/25/2010 3:05:30 PM |
| BrighterSuns | $25.00 | $25.00 | 2/25/2010 3:07:05 PM |
| USNavyVet | $25.00 | $25.00 | 2/22/2010 10:56:32 AM |
| transaction-circuit | $25.00 | $25.00 | 2/23/2010 8:07:51 AM |
| klemer | $25.00 | $25.00 | 2/23/2010 1:23:29 PM |
| Helenska11 | $50.00 | $50.00 | 2/23/2010 4:45:53 PM |
| SolarMoonshine | $100.00 | $100.00 | 2/23/2010 5:47:05 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 2/24/2010 12:40:39 PM |
| spfreerider | $50.00 | $9.78 | 2/24/2010 2:24:14 PM |
| jsnryn | $25.00 | $25.00 | 2/25/2010 6:48:12 AM |
| Kash2010lu | $35.00 | $35.00 | 2/25/2010 9:35:58 AM |
| bitano | $25.00 | $25.00 | 2/25/2010 7:59:06 AM |
| marwadi-62 | $100.00 | $100.00 | 2/25/2010 8:08:15 AM |
| sturdy-velocity6 | $25.00 | $25.00 | 2/25/2010 11:47:29 AM |
| dpries123 | $25.00 | $25.00 | 2/25/2010 1:12:28 PM |
| wbwill | $25.00 | $25.00 | 2/25/2010 1:23:09 PM |
| Bobusa | $25.00 | $25.00 | 2/25/2010 1:09:33 PM |
| turbobunny | $50.00 | $50.00 | 2/25/2010 2:03:45 PM |
| Engineer44 | $25.00 | $25.00 | 2/25/2010 4:08:45 PM |
| ultimate-peace | $600.00 | $600.00 | 2/25/2010 4:07:29 PM |
| unger | $50.00 | $50.00 | 2/25/2010 4:08:19 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
447277
This series of Notes was issued and sold upon the funding of the borrower loan #41185, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Feb-19-2010 |
| |
Auction end date:
| Feb-26-2010 |
|
|
Starting lender yield:
| 9.39% |
Starting borrower rate/APR:
| 10.39% / 12.50% |
Starting monthly payment:
| $324.51 |
|
Final lender yield:
| 9.20% |
Final borrower rate/APR:
| 10.20% / 12.31% |
Final monthly payment:
| $323.61 |
| |
|
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:
| Nov-1991 |
Debt/Income ratio:
| 35% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 25
/
22 | Length of status: | 0y 8m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 60 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,006 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thoughtful-p2ploan1 |
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
Trying to reduce my interest rate!
Purpose of loan:
This loan will be used to reduce the ridiculous interest rate on some debt I incurred several years back. 10% is alot better than 25%.
My financial situation:
I am a good candidate for this loan because?
My payment history is great as I do pay my bills on time. I am in a
good position to be able to raise my credit score by 50 to 70 points and put myself on
track within a 24 month period to buy a home for what the mortgage industry needs for a home loan. I also need to put more money in savings in order to reach this goal. The best way that I feel
I can do this is to reduce the interest rates on my existing credit card debt to
pay this off and reduce some expenses.? Tackling the ridiculous interest rates? on these credit cards is the first task!
Monthly net income: $
6700.00
Monthly expenses: $
??Housing: $
1200.00
? Car Insurance: $
100.00
??Car expenses: $
484.00
??Utilities: $
65.00
??Phone, cable, internet: $
150.00
??Food, entertainment: $
400.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $
1200.00
??Other expenses: $
200.00
? Savings: 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| egw | $25.00 | $25.00 | 2/19/2010 9:41:52 AM |
| flexible-value | $26.00 | $26.00 | 2/19/2010 9:42:02 AM |
| progressive-asset | $100.00 | $100.00 | 2/19/2010 9:42:18 AM |
| niskyfranchise | $25.00 | $25.00 | 2/19/2010 9:42:27 AM |
| friendly-worth3 | $25.00 | $25.00 | 2/19/2010 9:42:31 AM |
| platinum-platoon | $25.00 | $25.00 | 2/19/2010 9:42:33 AM |
| Kaj | $25.00 | $25.00 | 2/19/2010 9:42:43 AM |
| Banker7371 | $25.00 | $25.00 | 2/19/2010 9:42:47 AM |
| lloyd_s | $25.00 | $25.00 | 2/19/2010 9:42:52 AM |
| time4aloan | $50.00 | $50.00 | 2/19/2010 9:42:58 AM |
| Speculator | $50.00 | $50.00 | 2/19/2010 9:43:11 AM |
| duty-monger | $50.00 | $50.00 | 2/19/2010 9:43:28 AM |
| The-CAPS-fan | $30.00 | $30.00 | 2/19/2010 9:43:42 AM |
| xstreamin | $25.00 | $25.00 | 2/19/2010 9:43:54 AM |
| hyetech | $35.00 | $35.00 | 2/19/2010 9:43:57 AM |
| Carpetkid | $25.00 | $25.00 | 2/19/2010 9:44:02 AM |
| luckyldy | $35.00 | $35.00 | 2/19/2010 9:44:13 AM |
| tntbuzz | $25.00 | $25.00 | 2/19/2010 9:44:16 AM |
| top-silver-american | $25.00 | $25.00 | 2/19/2010 9:44:37 AM |
| friendly-market5 | $25.00 | $25.00 | 2/19/2010 9:44:50 AM |
| currency-oak | $25.00 | $25.00 | 2/19/2010 9:44:54 AM |
| Avala | $50.00 | $50.00 | 2/19/2010 9:44:57 AM |
| red-undaunted-kindness | $100.00 | $100.00 | 2/19/2010 9:45:02 AM |
| hizzy | $25.00 | $25.00 | 2/19/2010 9:45:38 AM |
| charming-point | $300.00 | $300.00 | 2/19/2010 9:46:01 AM |
| important-ore | $50.00 | $50.00 | 2/19/2010 9:46:52 AM |
| tranquil-diversification8 | $25.00 | $25.00 | 2/19/2010 9:47:09 AM |
| dreammachine | $25.00 | $25.00 | 2/19/2010 9:47:25 AM |
| TeamRamRod | $25.00 | $25.00 | 2/19/2010 9:47:47 AM |
| supreme-hope | $25.00 | $25.00 | 2/19/2010 9:47:57 AM |
| heavenly-justice9 | $75.00 | $75.00 | 2/19/2010 9:48:24 AM |
| jasmarc | $25.00 | $25.00 | 2/19/2010 9:48:54 AM |
| desertoasis | $25.00 | $25.00 | 2/19/2010 9:49:10 AM |
| enthusiastic-balance5 | $100.00 | $100.00 | 2/19/2010 9:49:28 AM |
| note-sensation | $25.00 | $25.00 | 2/19/2010 9:49:39 AM |
| inspired-contract9 | $25.00 | $25.00 | 2/19/2010 9:49:26 AM |
| jrbill1998 | $50.00 | $50.00 | 2/19/2010 9:50:16 AM |
| Eagledrop | $25.00 | $25.00 | 2/19/2010 9:49:52 AM |
| plentiful-reward | $50.00 | $50.00 | 2/19/2010 9:50:24 AM |
| steady-gain5 | $25.00 | $25.00 | 2/19/2010 9:50:59 AM |
| reward-motion | $25.00 | $25.00 | 2/19/2010 9:51:05 AM |
| Schmendrick | $25.00 | $25.00 | 2/19/2010 9:50:13 AM |
| Lendomatic | $25.00 | $25.00 | 2/19/2010 10:07:06 AM |
| red-favorable-basis | $25.00 | $25.00 | 2/19/2010 9:41:59 AM |
| KBank | $25.00 | $25.00 | 2/19/2010 10:07:25 AM |
| bold-bright-currency | $25.00 | $25.00 | 2/19/2010 9:42:22 AM |
| 3am-preacher | $25.00 | $25.00 | 2/19/2010 9:50:57 AM |
| Microfinancer | $25.00 | $25.00 | 2/19/2010 9:51:02 AM |
| dumbass | $25.00 | $25.00 | 2/19/2010 10:09:05 AM |
| bchen78875 | $25.00 | $25.00 | 2/19/2010 9:43:37 AM |
| torion | $25.00 | $25.00 | 2/19/2010 9:44:30 AM |
| Hola_James | $34.50 | $34.50 | 2/19/2010 10:09:04 AM |
| money-maniac | $50.00 | $50.00 | 2/19/2010 9:44:45 AM |
| senorzookeeper | $25.00 | $25.00 | 2/19/2010 9:46:24 AM |
| mpactlender | $25.00 | $25.00 | 2/19/2010 9:47:04 AM |
| slartibardfast | $25.00 | $25.00 | 2/19/2010 10:12:42 AM |
| investment-comet | $25.00 | $25.00 | 2/19/2010 10:15:09 AM |
| methodical-greenback5 | $50.00 | $50.00 | 2/19/2010 9:49:34 AM |
| Gilgothdae | $25.00 | $25.00 | 2/19/2010 9:50:47 AM |
| micko | $25.00 | $25.00 | 2/19/2010 10:18:38 AM |
| skuba | $25.00 | $25.00 | 2/19/2010 10:18:59 AM |
| AF-Chief | $27.00 | $27.00 | 2/19/2010 10:23:14 AM |
| CAGE-Investments | $100.00 | $100.00 | 2/19/2010 10:25:29 AM |
| liberty-grizzly | $100.00 | $100.00 | 2/19/2010 10:28:24 AM |
| maven2 | $25.00 | $25.00 | 2/19/2010 10:36:21 AM |
| forthright-dedication | $50.00 | $50.00 | 2/19/2010 10:38:24 AM |
| punctual-power7 | $25.00 | $25.00 | 2/19/2010 10:40:35 AM |
| upbeat-investment9 | $25.00 | $25.00 | 2/19/2010 11:00:35 AM |
| Archchancellor | $25.00 | $25.00 | 2/19/2010 11:22:38 AM |
| cnovak | $25.00 | $25.00 | 2/19/2010 11:36:13 AM |
| joudsa | $25.00 | $25.00 | 2/19/2010 11:41:19 AM |
| Rostov | $25.00 | $25.00 | 2/19/2010 11:55:58 AM |
| forthright-trade | $25.00 | $25.00 | 2/19/2010 11:56:02 AM |
| Gibbyland | $54.25 | $54.25 | 2/19/2010 11:56:25 AM |
| leverage-holly | $25.00 | $25.00 | 2/19/2010 12:02:45 PM |
| lt5656 | $25.00 | $25.00 | 2/19/2010 12:01:36 PM |
| atmaan | $25.00 | $25.00 | 2/19/2010 12:15:52 PM |
| orbiter614 | $50.00 | $50.00 | 2/19/2010 12:05:03 PM |
| flopcat | $25.00 | $25.00 | 2/19/2010 12:05:36 PM |
| beyondmanagement | $25.00 | $25.00 | 2/19/2010 12:21:52 PM |
| Astounding | $25.00 | $25.00 | 2/19/2010 12:15:31 PM |
| bert981980 | $25.00 | $25.00 | 2/19/2010 12:36:07 PM |
| Headhunter14 | $25.00 | $25.00 | 2/19/2010 12:36:37 PM |
| compassion-lotus5 | $25.00 | $25.00 | 2/19/2010 12:36:46 PM |
| Strato | $25.00 | $25.00 | 2/19/2010 12:21:15 PM |
| ctcurtis | $25.00 | $25.00 | 2/19/2010 10:41:52 AM |
| Lilred7879 | $50.00 | $50.00 | 2/19/2010 12:46:21 PM |
| RSV | $25.00 | $25.00 | 2/19/2010 1:16:51 PM |
| SqueezeKing | $25.00 | $25.00 | 2/19/2010 1:20:50 PM |
| drummer427 | $25.00 | $25.00 | 2/19/2010 11:40:36 AM |
| PocketAces | $25.00 | $25.00 | 2/19/2010 1:30:31 PM |
| rupee-kung-fu7 | $25.00 | $25.00 | 2/19/2010 1:44:03 PM |
| fopaul13 | $25.00 | $25.00 | 2/19/2010 1:45:31 PM |
| CASHGIRL | $40.00 | $40.00 | 2/19/2010 1:20:53 PM |
| BzJ108 | $25.00 | $25.00 | 2/19/2010 11:57:15 AM |
| MM1207 | $25.00 | $25.00 | 2/19/2010 2:01:22 PM |
| gallant-bazaar | $25.00 | $25.00 | 2/19/2010 12:01:37 PM |
| Phantom99 | $25.00 | $25.00 | 2/19/2010 1:52:52 PM |
| Theboof | $25.00 | $25.00 | 2/19/2010 2:00:51 PM |
| Katburg | $35.00 | $35.00 | 2/19/2010 2:01:16 PM |
| MrGhost | $25.00 | $25.00 | 2/19/2010 12:20:47 PM |
| sharkm | $35.00 | $35.00 | 2/19/2010 12:28:20 PM |
| unclejaef | $25.00 | $25.00 | 2/19/2010 1:16:26 PM |
| peso-colonel | $25.00 | $25.00 | 2/19/2010 1:16:56 PM |
| BlindJoeDeath | $25.00 | $25.00 | 2/19/2010 1:20:51 PM |
| Trolley08 | $25.00 | $25.00 | 2/19/2010 1:45:25 PM |
| loans4u2 | $25.00 | $25.00 | 2/19/2010 2:01:20 PM |
| bondhedger | $25.00 | $25.00 | 2/19/2010 9:45:22 PM |
| jdragon | $33.55 | $33.55 | 2/19/2010 7:02:58 PM |
| creative-finance7 | $25.00 | $25.00 | 2/20/2010 11:42:02 AM |
| BuffetRocks | $50.00 | $50.00 | 2/21/2010 11:56:55 AM |
| tisiphone | $25.00 | $25.00 | 2/22/2010 12:20:08 PM |
| dollardave | $100.00 | $100.00 | 2/22/2010 3:21:53 PM |
| wojo | $25.00 | $25.00 | 2/23/2010 6:11:40 AM |
| Debt-free-Southern-California | $25.00 | $25.00 | 2/23/2010 10:34:02 AM |
| ore-dojo | $25.00 | $25.00 | 2/24/2010 4:15:04 PM |
| Schwamie | $52.89 | $52.89 | 2/25/2010 10:01:42 AM |
| crw1950 | $50.00 | $50.00 | 2/24/2010 8:23:38 PM |
| ScottFinance | $25.00 | $25.00 | 2/25/2010 12:55:35 PM |
| drummerdad | $25.00 | $25.00 | 2/25/2010 2:17:47 PM |
| jcw3rd | $25.00 | $25.00 | 2/25/2010 5:10:12 PM |
| fabeasy | $25.00 | $25.00 | 2/25/2010 5:29:28 PM |
| GreenNotes | $36.00 | $36.00 | 2/25/2010 7:26:30 PM |
| Newdad6 | $100.00 | $100.00 | 2/25/2010 6:05:34 PM |
| runbix7 | $25.00 | $25.00 | 2/26/2010 6:39:02 AM |
| bonus-apple | $150.00 | $150.00 | 2/25/2010 8:20:41 PM |
| suzanny | $25.00 | $25.00 | 2/26/2010 8:28:10 AM |
| mrmojado | $25.00 | $25.00 | 2/26/2010 8:58:40 AM |
| StanTheMan | $35.47 | $35.47 | 2/25/2010 10:14:47 PM |
| theloanfiller | $33.81 | $33.81 | 2/26/2010 3:39:43 AM |
| Charmart | $25.00 | $25.00 | 2/26/2010 2:22:31 AM |
| justin323 | $25.00 | $25.00 | 2/26/2010 3:28:08 AM |
| investment-cluster | $25.00 | $25.00 | 2/26/2010 3:35:14 AM |
| gustavholstopus32 | $25.00 | $25.00 | 2/26/2010 5:33:54 AM |
| Astyanax | $40.00 | $40.00 | 2/26/2010 7:52:52 AM |
| GEOFFS3 | $25.00 | $25.00 | 2/26/2010 7:48:21 AM |
| Richmp412 | $25.00 | $25.00 | 2/26/2010 8:05:39 AM |
| mjcareful | $35.00 | $35.00 | 2/26/2010 8:21:38 AM |
| credit-vinyl | $25.00 | $25.00 | 2/26/2010 9:32:49 AM |
| calm-deal7 | $25.00 | $25.00 | 2/19/2010 9:42:04 AM |
| macjp123 | $25.00 | $25.00 | 2/19/2010 9:42:10 AM |
| personal-lender | $25.00 | $25.00 | 2/19/2010 9:42:39 AM |
| delicious-social132 | $25.00 | $25.00 | 2/19/2010 9:43:06 AM |
| Cai8899 | $50.00 | $50.00 | 2/19/2010 9:43:14 AM |
| impeccable-transparency | $75.00 | $75.00 | 2/19/2010 9:43:17 AM |
| credit-kahuna | $100.00 | $100.00 | 2/19/2010 9:43:20 AM |
| bowdish1 | $100.00 | $100.00 | 2/19/2010 9:44:06 AM |
| cpaphoto | $25.00 | $25.00 | 2/19/2010 9:44:10 AM |
| tennispt | $25.00 | $25.00 | 2/19/2010 9:44:19 AM |
| jigsaw | $100.00 | $100.00 | 2/19/2010 9:44:24 AM |
| gjh37 | $25.00 | $25.00 | 2/19/2010 9:44:21 AM |
| bonafide-cash | $50.00 | $50.00 | 2/19/2010 9:44:27 AM |
| Fiimg | $50.00 | $50.00 | 2/19/2010 9:45:12 AM |
| foxy-fund | $50.00 | $50.00 | 2/19/2010 9:45:19 AM |
| Havana21 | $50.00 | $50.00 | 2/19/2010 9:45:54 AM |
| HHP | $25.00 | $25.00 | 2/19/2010 9:46:08 AM |
| platinum-sorcerer6 | $25.00 | $25.00 | 2/19/2010 9:47:06 AM |
| KVEER | $25.00 | $25.00 | 2/19/2010 9:47:17 AM |
| asset-professor | $75.00 | $75.00 | 2/19/2010 9:47:30 AM |
| Syzygy | $25.00 | $25.00 | 2/19/2010 9:47:36 AM |
| integrity-doctor | $50.00 | $50.00 | 2/19/2010 9:47:40 AM |
| techvet | $25.00 | $25.00 | 2/19/2010 9:48:01 AM |
| allenerb | $25.00 | $25.00 | 2/19/2010 9:48:15 AM |
| honorable-yield | $50.00 | $50.00 | 2/19/2010 9:48:19 AM |
| Khoff | $25.00 | $25.00 | 2/19/2010 9:48:49 AM |
| pure-treasure7 | $25.00 | $25.00 | 2/19/2010 9:48:56 AM |
| kmr2 | $200.00 | $200.00 | 2/19/2010 9:49:01 AM |
| natural-greenback6 | $25.00 | $25.00 | 2/19/2010 9:49:07 AM |
| kbodendorf | $25.00 | $25.00 | 2/19/2010 9:49:18 AM |
| BigMoney56 | $25.00 | $25.00 | 2/19/2010 9:50:02 AM |
| tallmon | $25.00 | $25.00 | 2/19/2010 9:50:53 AM |
| dollar-oracle55 | $25.00 | $25.00 | 2/19/2010 9:51:01 AM |
| Pizza-man | $36.64 | $36.64 | 2/19/2010 9:50:23 AM |
| smart-return | $25.00 | $25.00 | 2/19/2010 9:50:36 AM |
| nourishing-interest0 | $25.00 | $25.00 | 2/19/2010 9:42:14 AM |
| hitsman | $50.00 | $50.00 | 2/19/2010 9:43:22 AM |
| peerlender | $30.00 | $30.00 | 2/19/2010 9:43:31 AM |
| cyberperception | $25.00 | $25.00 | 2/19/2010 10:07:24 AM |
| Clambake | $50.00 | $50.00 | 2/19/2010 9:43:50 AM |
| chief_wo | $25.00 | $25.00 | 2/19/2010 10:09:22 AM |
| b2006 | $25.00 | $25.00 | 2/19/2010 10:07:46 AM |
| Viamin | $25.00 | $25.00 | 2/19/2010 10:08:00 AM |
| trade-watcher | $25.00 | $25.00 | 2/19/2010 10:08:31 AM |
| best-deal-banker | $25.00 | $25.00 | 2/19/2010 9:44:40 AM |
| rcc7 | $25.00 | $25.00 | 2/19/2010 9:45:58 AM |
| gavinfh | $25.00 | $25.00 | 2/19/2010 9:46:28 AM |
| head | $25.00 | $25.00 | 2/19/2010 9:46:59 AM |
| don8ter | $25.00 | $25.00 | 2/19/2010 9:47:53 AM |
| ClearLake | $25.00 | $25.00 | 2/19/2010 10:14:27 AM |
| agreement-point | $50.00 | $50.00 | 2/19/2010 9:48:39 AM |
| tsui517 | $25.00 | $25.00 | 2/19/2010 10:17:23 AM |
| bid-papyrus | $25.00 | $25.00 | 2/19/2010 10:09:12 AM |
| peripatetic | $25.00 | $25.00 | 2/19/2010 10:25:41 AM |
| calilending | $25.00 | $25.00 | 2/19/2010 10:12:27 AM |
| Cheburashka | $25.00 | $25.00 | 2/19/2010 10:23:05 AM |
| ctgscott | $25.00 | $25.00 | 2/19/2010 10:14:07 AM |
| BabyLender | $25.00 | $25.00 | 2/19/2010 10:14:31 AM |
| Orringo | $75.00 | $75.00 | 2/19/2010 10:28:34 AM |
| resplendent-moola | $25.00 | $25.00 | 2/19/2010 10:38:38 AM |
| paymentologist | $25.00 | $25.00 | 2/19/2010 10:40:34 AM |
| epicbuzz | $25.00 | $25.00 | 2/19/2010 10:41:50 AM |
| life-is-great | $25.00 | $25.00 | 2/19/2010 10:45:27 AM |
| maldok1 | $25.00 | $25.00 | 2/19/2010 11:00:33 AM |
| anton | $250.00 | $250.00 | 2/19/2010 11:36:09 AM |
| rosebudrn | $25.00 | $25.00 | 2/19/2010 11:40:55 AM |
| Erikdbp | $25.00 | $25.00 | 2/19/2010 11:55:55 AM |
| webfeet | $25.00 | $25.00 | 2/19/2010 11:52:37 AM |
| IUnkn0wn | $25.00 | $25.00 | 2/19/2010 11:56:04 AM |
| loan-warrior | $25.00 | $25.00 | 2/19/2010 12:02:52 PM |
| loan-master996 | $50.00 | $50.00 | 2/19/2010 12:03:09 PM |
| snoopey100 | $25.00 | $25.00 | 2/19/2010 12:15:34 PM |
| NutmegFilms | $25.00 | $25.00 | 2/19/2010 12:15:46 PM |
| jojo6686 | $25.00 | $25.00 | 2/19/2010 12:05:48 PM |
| littlemonkey | $25.00 | $25.00 | 2/19/2010 12:15:29 PM |
| br4444 | $25.00 | $25.00 | 2/19/2010 12:15:44 PM |
| Steveoo1 | $25.00 | $25.00 | 2/19/2010 12:36:31 PM |
| BlindSquirrel | $25.00 | $25.00 | 2/19/2010 12:20:33 PM |
| intrepid-transaction5 | $25.00 | $25.00 | 2/19/2010 12:36:43 PM |
| ghinga | $30.00 | $30.00 | 2/19/2010 12:36:48 PM |
| LeReve | $54.41 | $54.41 | 2/19/2010 10:41:44 AM |
| jakesworld | $25.00 | $25.00 | 2/19/2010 12:50:59 PM |
| rock-turner | $48.13 | $48.13 | 2/19/2010 12:45:52 PM |
| jonn834 | $25.00 | $25.00 | 2/19/2010 1:00:42 PM |
| IIP77 | $25.00 | $25.00 | 2/19/2010 1:28:02 PM |
| LandE2BG | $25.00 | $25.00 | 2/19/2010 1:30:34 PM |
| LOWCOUNTRYLENDER | $25.00 | $25.00 | 2/19/2010 1:16:49 PM |
| psztnrw | $25.00 | $25.00 | 2/19/2010 11:50:52 AM |
| Premierelender | $25.00 | $25.00 | 2/19/2010 11:56:00 AM |
| takarlstad | $25.00 | $25.00 | 2/19/2010 2:01:06 PM |
| Kulchar | $36.18 | $22.44 | 2/19/2010 2:01:26 PM |
| dollar-birdie | $25.00 | $25.00 | 2/19/2010 12:02:51 PM |
| sagemoto | $35.95 | $35.95 | 2/19/2010 1:51:44 PM |
| jammers | $25.00 | $25.00 | 2/19/2010 2:00:58 PM |
| blissful-note7 | $25.00 | $25.00 | 2/19/2010 2:01:21 PM |
| compassion-bauble4 | $25.00 | $25.00 | 2/19/2010 12:15:48 PM |
| brazilofmux | $100.00 | $100.00 | 2/19/2010 12:16:49 PM |
| ArmyGuy | $25.00 | $25.00 | 2/19/2010 12:20:54 PM |
| elevated-platinum5 | $32.19 | $32.19 | 2/19/2010 1:00:52 PM |
| reueljw | $25.00 | $25.00 | 2/19/2010 1:12:06 PM |
| gold-sushi | $25.00 | $25.00 | 2/19/2010 1:16:53 PM |
| QuinMccoy | $25.00 | $25.00 | 2/19/2010 1:20:55 PM |
| DRA-Properties | $25.00 | $25.00 | 2/19/2010 3:22:17 PM |
| upc_tnt | $25.00 | $25.00 | 2/19/2010 1:52:37 PM |
| BigBoy2008 | $25.00 | $25.00 | 2/19/2010 1:53:18 PM |
| rooosta | $25.00 | $25.00 | 2/19/2010 2:01:24 PM |
| interstellar | $50.00 | $50.00 | 2/19/2010 7:46:53 PM |
| selector568 | $335.83 | $335.83 | 2/20/2010 11:26:53 AM |
| junes08 | $25.00 | $25.00 | 2/20/2010 11:36:24 AM |
| felicity-loyalist0 | $50.00 | $50.00 | 2/20/2010 12:24:18 PM |
| ijspence | $25.00 | $25.00 | 2/22/2010 6:00:24 PM |
| spiff666 | $25.00 | $25.00 | 2/22/2010 7:47:07 PM |
| rdrloan | $25.00 | $25.00 | 2/23/2010 5:04:07 PM |
| webfeet | $25.00 | $25.00 | 2/24/2010 11:02:37 AM |
| treasure-ace | $25.00 | $25.00 | 2/24/2010 9:30:28 AM |
| wwwUniversal | $25.00 | $25.00 | 2/24/2010 11:07:44 AM |
| Easystreet | $25.00 | $25.00 | 2/24/2010 4:34:36 PM |
| 4est | $25.00 | $25.00 | 2/24/2010 7:06:04 PM |
| MARSTUN | $31.07 | $31.07 | 2/25/2010 3:35:40 PM |
| BOZO88 | $50.00 | $50.00 | 2/25/2010 12:25:40 PM |
| John_14_6 | $25.00 | $25.00 | 2/25/2010 4:17:05 PM |
| Marco83 | $25.00 | $25.00 | 2/25/2010 4:19:07 PM |
| markandrosie | $33.65 | $33.65 | 2/26/2010 12:11:01 AM |
| Ven58 | $25.00 | $25.00 | 2/25/2010 5:13:26 PM |
| Svigel | $26.22 | $26.22 | 2/25/2010 6:17:59 PM |
| manugee | $50.00 | $50.00 | 2/25/2010 7:29:05 PM |
| OoM | $25.00 | $25.00 | 2/25/2010 7:53:40 PM |
| skorpious | $25.00 | $25.00 | 2/25/2010 8:12:46 PM |
| autonomous-truth | $50.00 | $50.00 | 2/25/2010 8:53:59 PM |
| twerns | $40.00 | $40.00 | 2/26/2010 5:37:25 AM |
| Johnab | $50.00 | $50.00 | 2/26/2010 5:54:46 AM |
| mjsk | $25.00 | $25.00 | 2/26/2010 7:35:02 AM |
| 271 bids
|
Borrower Payment Dependent Notes Series
447331
This series of Notes was issued and sold upon the funding of the borrower loan #41181, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Feb-19-2010 |
| |
Auction end date:
| Feb-26-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 27.90% |
Final borrower rate/APR:
| 28.90% / 31.26% |
Final monthly payment:
| $209.26 |
| |
|
Auction yield range:
| 17.05% - 34.00% |
Estimated loss impact:
| 19.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.28% | | |
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:
| Aug-1983 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
12 | Length of status: | 22y 8m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 49 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,082 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| rftimm |
Borrower's state:
| Texas |
Borrower's group:
| AIDS/HIV Research |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 52 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $10,500.00 | < mo. late:
| 0
( 0% )
| 620-639
(Apr-2008)
620-639
(Jun-2007)
600-619
(May-2007)
|
|
Principal balance:
| $3,504.86 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 52 | | |
Description
Muti-Purpose Four Goal Loan
Purpose of loan:
This loan would allow me to accomplish four things I need to do now. 1. My 1999 Corvette needs new tires ? the cost of them with mounting/balancing is approximately $1200. 2. I need to upgrade my home computer ? my current one is of vintage 2002 and is now too slow to keep up with the work I do and lacks sufficient storage space so I would like to build a new one. The cost of the components and software is approximately $1000. 3. Upgrade my 2006 Frontier truck. I need to do some work on my truck ? the approximate cost of parts is $1,000. 4. Pay down credit card debt ? I would like to pay off $1800 worth of credit card debt.
My financial situation:
I always had good credit until my divorce in 2001 in which I was left with all the bills since my ex-wife was not listed on them and she refused to take the 50% responsibility.?This resulted in Bankruptcy which was discharged in June of 2004. The Bankruptcy is slowly starting to fade from my credit but still has some bearing when attempting to get a loan. My credit was very good until my divorce in 2001 which led me to file bankruptcy in 2004. I don't know how Prosper rates these loans but after 52 months straight of payments on Prosper loans without a single late payment, I would think they would show some loyalty toward me. If the historical data they list was about me, rather similar loans,?my rating would be an A/A+ in my ability to pay back loans. My financial future is nothing but bright!
I have been employed by the same company, Raytheon, for 23 years now and have a Secret Clearance. The nature of my job allows my income to be much more than it appears as I travel and collect per diem. Last year my non-taxable per diem was $22,000 while I was in Kuwait. I have only?included $1000/month of this amount in my monthly income as I earn this on my trips. My first trip is scheduled for the end of April and then I am assigned to several more ofver the course of the year. I wish to accomplish these goals now allowing me to pay for it in the future.?I feel I will be able to repay this loan in?in less than 36?months if needed. Thank you for having the faith in me to repay these loans and allowing me to accomplish my goals.
Monthly net income: $ 4400.00
Monthly expenses: $?2825
Housing: $?484??
Insurance: $?177 (car & renters insurance)
Car expenses: $ 410 (Immaculate 1999 Corvette ? owe $11,000)
Truck expenses: $ 420 (Immaculate 2006 Nissan Frontier King Cab SE ? owe 14,000)
Utilities: $?paid by landlord??
Phone, cable, internet: $?100.00??
Food, entertainment: $ 302.00??
Credit cards and other loans: $250.00???
Student Loan (MBA 2006): 239.00
Storage: $ 173
Current Prosper loan: $270 ($7000 loan with $3500 balance)
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:
Excellent repayment record and congrats on the credit score bump. I was wondering why you'd want a Prosper loan now, considering your excellent earnings and strong Free cash flow. thanks JJ - quickstep
A:
Hi JJ,
Thanks, I'm from the midwest and learned to keep my word. I was brought up that way and taught a work ethic second to none. Unfortunately, I guess choice in women were not included with that! The second divorce (2001) hurt me quite a bit and I'm still recovering financially from it. Living in San Diego from 2003 - 2008 was pretty hard as well - now in TX. It's just a timing thing. I really need to take of my vehicles right now and support my work ethics at home as well...Rick
(Feb-23-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lender12345 | $25.00 | $25.00 | 2/21/2010 8:35:25 PM |
| Rule62 | $25.00 | $25.00 | 2/24/2010 12:03:20 PM |
| myutmost | $79.31 | $79.31 | 2/24/2010 12:22:03 PM |
| Aberdeen | $350.00 | $350.00 | 2/24/2010 6:35:52 PM |
| Iceman1347 | $25.00 | $25.00 | 2/24/2010 9:19:20 PM |
| five-star-note | $50.00 | $50.00 | 2/24/2010 9:33:06 PM |
| shawnw2 | $150.00 | $150.00 | 2/25/2010 10:49:40 AM |
| eboomer2611 | $25.00 | $25.00 | 2/25/2010 10:46:25 AM |
| UCLA4life | $25.00 | $25.00 | 2/25/2010 12:21:45 PM |
| rebeldog67 | $61.41 | $61.41 | 2/25/2010 3:40:08 PM |
| Mark-M | $30.00 | $30.00 | 2/25/2010 8:48:42 PM |
| RecoveryLender | $25.22 | $25.22 | 2/25/2010 9:57:26 PM |
| rlbbank | $25.00 | $25.00 | 2/26/2010 4:31:48 AM |
| Rip128 | $50.00 | $50.00 | 2/26/2010 7:44:04 AM |
| Feyenoord | $100.00 | $100.00 | 2/25/2010 9:49:04 PM |
| mobius_titan | $25.00 | $25.00 | 2/26/2010 10:27:02 AM |
| Lubava | $82.00 | $82.00 | 2/26/2010 10:50:01 AM |
| HomerdohNY | $25.00 | $25.00 | 2/26/2010 11:10:04 AM |
| b1geasy | $31.59 | $31.59 | 2/26/2010 9:10:41 AM |
| CaliforniaSun | $25.00 | $25.00 | 2/26/2010 2:17:16 PM |
| tcbmc | $25.00 | $25.00 | 2/26/2010 2:49:28 PM |
| nurat | $27.19 | $27.19 | 2/26/2010 10:50:24 AM |
| arcite | $45.67 | $45.67 | 2/26/2010 3:23:18 PM |
| carrinel | $75.00 | $75.00 | 2/26/2010 3:33:12 PM |
| Rulea72 | $51.84 | $51.84 | 2/26/2010 3:57:55 PM |
| malcolmreynolds | $25.00 | $25.00 | 2/26/2010 3:59:41 PM |
| enriched-truth | $60.91 | $60.91 | 2/26/2010 1:30:31 PM |
| Bobusa | $25.00 | $25.00 | 2/26/2010 12:57:36 PM |
| BrighterSuns | $25.78 | $25.78 | 2/26/2010 1:01:45 PM |
| Leshan | $67.41 | $67.41 | 2/26/2010 1:21:45 PM |
| skillful-asset5 | $40.00 | $40.00 | 2/26/2010 2:28:13 PM |
| honorable-yield | $35.00 | $35.00 | 2/26/2010 2:30:50 PM |
| Rip128 | $100.00 | $100.00 | 2/26/2010 3:52:21 PM |
| mrreynol | $25.00 | $25.00 | 2/26/2010 3:54:59 PM |
| Bob450 | $50.00 | $50.00 | 2/26/2010 2:57:08 PM |
| credit-missile | $200.82 | $200.82 | 2/26/2010 4:12:06 PM |
| reflective-rupee | $200.00 | $200.00 | 2/26/2010 4:17:38 PM |
| five-star-note | $101.85 | $101.85 | 2/26/2010 4:11:47 PM |
| farmn | $25.00 | $25.00 | 2/26/2010 4:26:05 PM |
| Engineer44 | $35.00 | $27.74 | 2/26/2010 4:30:45 PM |
| ustfu | $25.00 | $25.00 | 2/26/2010 4:28:53 PM |
| givetolive | $25.00 | $25.00 | 2/26/2010 4:28:19 PM |
| SolarMoonshine | $25.00 | $25.00 | 2/22/2010 6:18:05 PM |
| MoneyForNothing | $25.00 | $25.00 | 2/23/2010 6:07:41 AM |
| Unitas4302 | $200.00 | $200.00 | 2/23/2010 4:42:17 AM |
| Aberdeen | $350.00 | $350.00 | 2/24/2010 11:32:45 AM |
| Aberdeen | $350.00 | $350.00 | 2/24/2010 11:32:44 AM |
| Aberdeen | $350.00 | $350.00 | 2/24/2010 6:35:41 PM |
| RainyDayFunds | $25.00 | $25.00 | 2/25/2010 11:01:46 AM |
| shawnw2 | $50.00 | $50.00 | 2/25/2010 10:50:49 AM |
| truth-trapper | $25.00 | $25.00 | 2/25/2010 6:36:23 PM |
| mcshew99 | $25.98 | $25.98 | 2/25/2010 9:49:52 PM |
| niq4soccer | $25.00 | $25.00 | 2/26/2010 4:21:08 AM |
| Flshedman | $50.00 | $50.00 | 2/26/2010 6:51:42 AM |
| Kash2010lu | $35.00 | $35.00 | 2/25/2010 7:15:03 PM |
| Leshan | $29.92 | $29.92 | 2/26/2010 7:10:38 AM |
| justanothersushieater | $25.00 | $25.00 | 2/26/2010 10:21:44 AM |
| nerlands | $25.00 | $25.00 | 2/26/2010 11:36:52 AM |
| HenlopenCapital | $25.00 | $25.00 | 2/26/2010 10:23:32 AM |
| principal-laser | $160.80 | $160.80 | 2/26/2010 10:25:31 AM |
| goal-liberty9 | $100.00 | $100.00 | 2/26/2010 10:45:41 AM |
| LeoBUSIIT | $25.00 | $25.00 | 2/26/2010 10:49:53 AM |
| Jordan1123 | $25.00 | $25.00 | 2/26/2010 3:10:57 PM |
| realtormoises | $25.00 | $25.00 | 2/26/2010 3:56:41 PM |
| p2p-journey | $227.55 | $227.55 | 2/26/2010 11:55:12 AM |
| mrreynol | $25.00 | $25.00 | 2/26/2010 1:44:52 PM |
| COtheBeast | $25.00 | $25.00 | 2/26/2010 3:17:41 PM |
| wild-orange | $25.00 | $25.00 | 2/26/2010 3:39:07 PM |
| Rip128 | $50.00 | $50.00 | 2/26/2010 3:53:19 PM |
| boo_hoo | $50.00 | $50.00 | 2/26/2010 3:26:04 PM |
| himistu22 | $25.00 | $25.00 | 2/26/2010 4:17:49 PM |
| ore-dojo | $50.00 | $50.00 | 2/26/2010 4:24:26 PM |
| heritage_loans | $27.01 | $27.01 | 2/26/2010 4:23:27 PM |
| 73 bids
|
Borrower Payment Dependent Notes Series
447447
This series of Notes was issued and sold upon the funding of the borrower loan #41175, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Feb-22-2010 |
| |
Auction end date:
| Feb-25-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $294.03 |
| |
|
Auction yield range:
| 17.05% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
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:
| Aug-1995 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 11m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 29 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,865 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| jamesr17171 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 640-659
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Debt Consolidation
Purpose of loan:
My wife and I have mounting medical bills from the birth of our son and need to consolidate.
My financial situation:
Our financial situation is good, but we don't currently have addtional income to supplement the medical bills that are stacking up.????
Monthly net income: $
Salary: roughly 4000/month? Bonus 5000 to 7000/month broken up by quarter
Monthly expenses: $
??Housing: $ 1451.50
??Insurance: $ 85.00
??Car expenses: $ 585.00
??Utilities: $ 160.00
??Phone, cable, internet: $85.00
??Food, entertainment: $400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I like that you paid off your previous loan with no lates, etc., but please address the delinquincies shown on your listing. Please answer publicly. Thanks, and best wishes on your listing. - tigercat
A:
The delinquincies are a result of me losing my job roughly four years ago due to a small business owner going bankrupt. My wife and I moved our family for a new job and had difficulty balancing two mortgages. Since we sold our old home we have repaired our situation and we are asking for this loan to keep from repeating history as medical bills for a difficult pregnacy and delivery mount up.
(Feb-23-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| social-conductor4 | $25.00 | $25.00 | 2/22/2010 4:20:48 PM |
| tntbuzz | $25.00 | $25.00 | 2/22/2010 4:27:08 PM |
| zone8 | $100.00 | $100.00 | 2/22/2010 4:27:10 PM |
| note-tent | $25.00 | $25.00 | 2/22/2010 4:27:12 PM |
| Diamond_Jim | $25.00 | $25.00 | 2/22/2010 4:26:53 PM |
| kind-efficient-credit | $25.00 | $25.00 | 2/22/2010 4:27:19 PM |
| ferocious-exchange3 | $25.00 | $25.00 | 2/22/2010 4:27:39 PM |
| Orringo | $50.00 | $50.00 | 2/22/2010 4:26:59 PM |
| wampum-proton | $25.00 | $25.00 | 2/22/2010 4:27:03 PM |
| MM1207 | $25.00 | $25.00 | 2/22/2010 4:27:09 PM |
| handy-justice | $50.00 | $50.00 | 2/22/2010 4:27:15 PM |
| JB82 | $25.00 | $25.00 | 2/22/2010 4:28:18 PM |
| heavenly-justice9 | $25.00 | $25.00 | 2/22/2010 4:35:03 PM |
| friendly-worth3 | $25.00 | $25.00 | 2/22/2010 4:40:10 PM |
| micko | $25.00 | $25.00 | 2/22/2010 5:04:17 PM |
| autonomous-truth | $25.00 | $25.00 | 2/22/2010 5:11:16 PM |
| BankofBen | $25.00 | $25.00 | 2/22/2010 5:15:30 PM |
| treasure-network | $25.00 | $25.00 | 2/22/2010 5:23:50 PM |
| leverage-accruer | $25.00 | $25.00 | 2/22/2010 5:29:50 PM |
| scoobiedoo | $25.00 | $25.00 | 2/22/2010 5:35:35 PM |
| WalnutCreekguy | $25.00 | $25.00 | 2/22/2010 5:45:54 PM |
| Danlo123 | $25.00 | $25.00 | 2/23/2010 9:31:52 AM |
| niceville80 | $25.00 | $25.00 | 2/23/2010 9:32:05 AM |
| Kijib | $25.00 | $25.00 | 2/23/2010 9:32:13 AM |
| kindness-hickory5 | $25.00 | $25.00 | 2/23/2010 9:32:18 AM |
| deadgrassdog | $50.00 | $50.00 | 2/23/2010 9:32:22 AM |
| m_srini | $25.00 | $25.00 | 2/23/2010 9:32:28 AM |
| yomanie | $25.00 | $25.00 | 2/23/2010 9:32:33 AM |
| yield-explosion1 | $25.00 | $25.00 | 2/23/2010 9:32:35 AM |
| bold-deal-bigwig | $25.00 | $25.00 | 2/23/2010 9:32:40 AM |
| Najaca | $25.00 | $25.00 | 2/23/2010 9:33:00 AM |
| larrybird | $100.00 | $100.00 | 2/23/2010 9:33:08 AM |
| swordfish42 | $25.00 | $25.00 | 2/23/2010 9:33:13 AM |
| famous-bill | $64.99 | $64.99 | 2/23/2010 9:33:21 AM |
| The_Donald | $25.00 | $25.00 | 2/23/2010 9:33:38 AM |
| helping-out | $30.00 | $30.00 | 2/23/2010 9:34:06 AM |
| tuneman1980 | $25.00 | $25.00 | 2/23/2010 9:34:18 AM |
| return-tycoon3 | $25.00 | $25.00 | 2/23/2010 9:31:53 AM |
| zippy-interest | $25.00 | $25.00 | 2/23/2010 9:31:56 AM |
| FEWDollars | $25.00 | $25.00 | 2/23/2010 9:32:06 AM |
| currency-guitar6 | $25.00 | $25.00 | 2/23/2010 9:32:11 AM |
| finance-burger | $25.00 | $25.00 | 2/23/2010 9:32:24 AM |
| kegs | $100.00 | $100.00 | 2/23/2010 9:32:04 AM |
| nourishing-hope835 | $25.00 | $25.00 | 2/23/2010 9:32:31 AM |
| SongBirdProphecy | $25.00 | $25.00 | 2/23/2010 9:32:08 AM |
| christifa | $25.00 | $25.00 | 2/23/2010 9:32:34 AM |
| jtodd37 | $50.00 | $50.00 | 2/23/2010 9:32:17 AM |
| IzzyNYC | $25.00 | $25.00 | 2/23/2010 9:32:39 AM |
| WMY-Investor | $25.00 | $25.00 | 2/23/2010 9:33:01 AM |
| NYretire | $25.00 | $25.00 | 2/23/2010 9:32:32 AM |
| Amphipolis | $25.00 | $25.00 | 2/23/2010 9:32:58 AM |
| ingenious-deal6 | $25.00 | $25.00 | 2/23/2010 9:33:07 AM |
| Gelden1 | $25.00 | $25.00 | 2/23/2010 9:33:39 AM |
| murlirao2002 | $29.00 | $29.00 | 2/23/2010 9:33:36 AM |
| faldska | $25.00 | $25.00 | 2/23/2010 9:33:42 AM |
| wealthstar | $25.00 | $25.00 | 2/23/2010 9:33:40 AM |
| rock-turner | $100.00 | $100.00 | 2/23/2010 9:33:51 AM |
| Georgetastic | $25.00 | $25.00 | 2/23/2010 9:33:49 AM |
| lucrative-deal5 | $25.00 | $25.00 | 2/23/2010 9:34:04 AM |
| falcon88dp | $25.00 | $25.00 | 2/23/2010 9:34:15 AM |
| DeltaComputerGuy | $25.00 | $25.00 | 2/23/2010 9:34:19 AM |
| dynrep | $25.00 | $25.00 | 2/23/2010 10:14:55 AM |
| PaulW | $25.00 | $25.00 | 2/23/2010 10:35:06 AM |
| tps_bubba | $25.00 | $25.00 | 2/23/2010 12:31:12 PM |
| payout-backer2 | $25.00 | $25.00 | 2/23/2010 12:31:31 PM |
| MonkeyB | $25.00 | $25.00 | 2/23/2010 12:31:11 PM |
| Sokarnox | $25.00 | $25.00 | 2/23/2010 12:31:34 PM |
| selfmademan | $25.00 | $25.00 | 2/24/2010 10:51:04 AM |
| tigercat | $50.00 | $50.00 | 2/24/2010 11:33:37 AM |
| jldallover | $25.00 | $25.00 | 2/24/2010 10:16:51 AM |
| jwm | $25.00 | $25.00 | 2/24/2010 11:50:05 AM |
| ValyaLibra01 | $25.00 | $25.00 | 2/24/2010 12:55:38 PM |
| burgeoning-silver | $25.00 | $25.00 | 2/24/2010 2:20:43 PM |
| Kash2010lu | $35.00 | $35.00 | 2/24/2010 7:52:12 PM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:15:57 AM |
| reflective-rupee | $350.00 | $197.87 | 2/25/2010 11:52:03 AM |
| Rainbowbrt56 | $25.00 | $25.00 | 2/25/2010 6:58:16 AM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:16:21 AM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:16:09 AM |
| RoccoLoan | $100.00 | $100.00 | 2/25/2010 10:01:36 AM |
| RoccoLoan | $25.00 | $25.00 | 2/25/2010 10:07:56 AM |
| twjh | $25.00 | $25.00 | 2/25/2010 10:19:28 AM |
| GolfStud | $75.00 | $75.00 | 2/25/2010 2:50:23 PM |
| atothez | $30.27 | $30.27 | 2/25/2010 11:47:56 AM |
| unger | $50.00 | $50.00 | 2/25/2010 12:17:16 PM |
| order-brigade | $25.00 | $25.00 | 2/25/2010 4:12:18 PM |
| indomitable-dedication | $25.00 | $25.00 | 2/22/2010 4:26:56 PM |
| Wilvara | $25.00 | $25.00 | 2/22/2010 4:27:02 PM |
| kindness-percolator5 | $25.00 | $25.00 | 2/22/2010 4:27:07 PM |
| Soxxes | $25.00 | $25.00 | 2/22/2010 4:27:17 PM |
| BlindJoeDeath | $25.00 | $25.00 | 2/22/2010 4:27:20 PM |
| djc314 | $25.00 | $25.00 | 2/22/2010 4:27:24 PM |
| beyondmanagement | $25.00 | $25.00 | 2/22/2010 4:28:17 PM |
| frugalinvestor20 | $25.00 | $25.00 | 2/22/2010 4:29:46 PM |
| time4aloan | $25.00 | $25.00 | 2/22/2010 4:26:54 PM |
| forthright-dedication | $25.00 | $25.00 | 2/22/2010 4:26:58 PM |
| kellydawn | $25.00 | $25.00 | 2/22/2010 4:27:01 PM |
| theprince | $25.00 | $25.00 | 2/22/2010 4:27:05 PM |
| flexible-value | $25.00 | $25.00 | 2/22/2010 4:27:22 PM |
| EastofEden | $25.00 | $25.00 | 2/22/2010 4:27:31 PM |
| deal-hickory5 | $25.00 | $25.00 | 2/22/2010 4:27:35 PM |
| LuvToLend | $25.00 | $25.00 | 2/22/2010 4:27:27 PM |
| inspiring-reward | $50.00 | $50.00 | 2/22/2010 4:28:54 PM |
| penny-surgeon | $25.00 | $25.00 | 2/22/2010 4:36:21 PM |
| Schmendrick | $25.00 | $25.00 | 2/22/2010 4:37:29 PM |
| anton | $150.00 | $150.00 | 2/22/2010 4:46:47 PM |
| burrito6 | $25.00 | $25.00 | 2/22/2010 5:10:37 PM |
| glimmering-point | $25.00 | $25.00 | 2/22/2010 5:28:36 PM |
| People-for-people | $25.00 | $25.00 | 2/22/2010 8:10:20 PM |
| eronyc | $25.00 | $25.00 | 2/22/2010 5:31:27 PM |
| TheBaldGuy | $25.00 | $25.00 | 2/22/2010 6:40:21 PM |
| reflective-rupee | $65.00 | $65.00 | 2/22/2010 9:54:13 PM |
| gimincorp | $25.00 | $25.00 | 2/23/2010 3:25:25 AM |
| CPAMAN | $25.00 | $25.00 | 2/23/2010 9:31:50 AM |
| market-builder | $25.00 | $25.00 | 2/23/2010 9:31:54 AM |
| christinaregina | $25.00 | $25.00 | 2/23/2010 9:32:10 AM |
| JKEnterprises | $25.00 | $25.00 | 2/23/2010 9:32:17 AM |
| galtsgulch | $25.00 | $25.00 | 2/23/2010 9:32:20 AM |
| Tammy102800 | $25.00 | $25.00 | 2/23/2010 9:32:25 AM |
| tsg2007 | $25.00 | $25.00 | 2/23/2010 9:32:29 AM |
| neerglopnire | $25.00 | $25.00 | 2/23/2010 9:32:35 AM |
| impasse1 | $25.00 | $25.00 | 2/23/2010 9:32:38 AM |
| putian47 | $25.00 | $25.00 | 2/23/2010 9:33:04 AM |
| ore-bada-bing | $50.00 | $50.00 | 2/23/2010 9:33:09 AM |
| euro-banker | $25.00 | $25.00 | 2/23/2010 9:33:37 AM |
| silverloan | $25.00 | $25.00 | 2/23/2010 9:33:42 AM |
| movistar | $25.00 | $25.00 | 2/23/2010 9:31:51 AM |
| blue-liberty-gourd | $25.00 | $25.00 | 2/23/2010 9:31:55 AM |
| SMARTDISK | $25.00 | $25.00 | 2/23/2010 9:32:02 AM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 2/23/2010 9:32:10 AM |
| receptive-community | $25.00 | $25.00 | 2/23/2010 9:32:13 AM |
| payment-artist | $25.00 | $25.00 | 2/23/2010 9:32:16 AM |
| ericb674 | $25.00 | $25.00 | 2/23/2010 9:31:52 AM |
| coreyjames | $25.00 | $25.00 | 2/23/2010 9:32:21 AM |
| cklb | $50.00 | $50.00 | 2/23/2010 9:32:00 AM |
| NorthernFunds | $25.00 | $25.00 | 2/23/2010 9:32:26 AM |
| graceful-investment | $25.00 | $25.00 | 2/23/2010 9:32:07 AM |
| zigx | $25.00 | $25.00 | 2/23/2010 9:32:33 AM |
| honestpeople1 | $25.00 | $25.00 | 2/23/2010 9:32:12 AM |
| KgBsUcKa | $27.87 | $27.87 | 2/23/2010 9:32:36 AM |
| fund-medalist171 | $25.00 | $25.00 | 2/23/2010 9:32:43 AM |
| MidLifeCrisis | $25.00 | $25.00 | 2/23/2010 9:33:05 AM |
| lucky6 | $25.00 | $25.00 | 2/23/2010 9:32:37 AM |
| TribecaFunding | $25.00 | $25.00 | 2/23/2010 9:33:16 AM |
| rosario1 | $25.00 | $25.00 | 2/23/2010 9:32:55 AM |
| AlexTrep | $25.00 | $25.00 | 2/23/2010 9:33:32 AM |
| elegant-capital | $25.00 | $25.00 | 2/23/2010 9:33:03 AM |
| PRGuyinVA | $25.00 | $25.00 | 2/23/2010 9:33:37 AM |
| caprirolito | $25.00 | $25.00 | 2/23/2010 9:33:23 AM |
| meteoric-asset4 | $25.00 | $25.00 | 2/23/2010 9:33:40 AM |
| Msbutterfly | $25.00 | $25.00 | 2/23/2010 9:33:38 AM |
| IIP77 | $25.00 | $25.00 | 2/23/2010 9:33:48 AM |
| RicheyRich | $25.00 | $25.00 | 2/23/2010 9:34:05 AM |
| IncomeTemple | $25.00 | $25.00 | 2/23/2010 10:35:14 AM |
| lucrative-loan | $25.70 | $25.70 | 2/23/2010 12:35:25 PM |
| ryan23 | $25.00 | $25.00 | 2/23/2010 12:11:03 PM |
| jojo6686 | $25.00 | $25.00 | 2/23/2010 12:31:09 PM |
| jasonrossi11 | $30.00 | $30.00 | 2/23/2010 12:31:23 PM |
| mizount | $25.00 | $25.00 | 2/23/2010 12:31:35 PM |
| SolarMoonshine | $200.00 | $200.00 | 2/23/2010 5:42:37 PM |
| thetropics18 | $25.00 | $25.00 | 2/24/2010 9:30:43 AM |
| Bob450 | $50.00 | $50.00 | 2/23/2010 10:40:11 PM |
| revenue-officer36 | $25.00 | $25.00 | 2/24/2010 9:30:34 AM |
| streak269 | $25.00 | $25.00 | 2/24/2010 9:30:47 AM |
| myutmost | $50.00 | $50.00 | 2/24/2010 12:28:38 PM |
| lucrative-loan | $174.30 | $174.30 | 2/24/2010 11:27:07 AM |
| reflective-rupee | $65.00 | $65.00 | 2/24/2010 11:46:56 AM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:15:33 AM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:16:42 AM |
| JustMee | $25.00 | $25.00 | 2/25/2010 5:23:00 AM |
| Skeptical-one | $100.00 | $100.00 | 2/25/2010 7:55:27 AM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:16:33 AM |
| reflective-rupee | $100.00 | $100.00 | 2/25/2010 9:15:44 AM |
| js44043 | $25.00 | $25.00 | 2/25/2010 9:31:38 AM |
| geekguy | $25.00 | $25.00 | 2/25/2010 11:07:47 AM |
| topper480 | $25.00 | $25.00 | 2/25/2010 11:48:06 AM |
| auction-workhorse679 | $25.00 | $25.00 | 2/25/2010 11:48:07 AM |
| 177 bids
|
Borrower Payment Dependent Notes Series
447785
This series of Notes was issued and sold upon the funding of the borrower loan #41153, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Feb-24-2010 |
| |
Auction end date:
| Mar-01-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 14.05% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
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:
| Feb-1997 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
12 | Length of status: | 3y 3m |
|
Credit score:
| 600-619 (Feb-2010) |
Total credit lines:
| 31 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,565 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kblast |
Borrower's state:
| NewYork |
Borrower's group:
| College Graduates with Good Credit Potential |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 91% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 1
( 9% )
| 660-679
(Aug-2009)
560-579
(Aug-2008)
540-559
(Jul-2008)
600-619
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Fast growing business
Purpose of loan:
Pay off revolving balances.
My financial situation:
I work in a sales organization where I am responsible for building my own professional practice, functioning as a small business owner within a large organization.? I have been in this business for over three years, and have seen consistent growth in revenues and steady increases in referrals and repeat business due to a high level of client loyalty and retention.? Over the last few years, both my revolving debt level as well as my total debt level have steadily decreased.? The prupose of this loan is to wipe out more revolving debt, bringing my revolving utilization below 50%.? I took out a Prosper loan in 2008 and paid this off in full in less than a year.? There is a high possibility that this loan will be paid off early as well.? I believe my risk level to be overstated by the "E" grade which Prosper assigned, I believe that the "Enhanced" score, 5 on a scale of 1-5, is more accurate.? However, I am willing to pay 35% as I do not plan on having this loan for more than one year.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 0
??Insurance: $?100
??Car expenses: $?0
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $?200
??Clothing, household expenses $?50
??Credit cards and other loans: $ 800
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 2/24/2010 4:35:09 PM |
| reflective-rupee | $50.00 | $50.00 | 2/24/2010 6:53:02 PM |
| return-grizzly | $100.00 | $100.00 | 2/24/2010 9:37:52 PM |
| fund-secret-agent | $25.00 | $25.00 | 2/25/2010 11:08:34 AM |
| SolarMoonshine | $25.00 | $25.00 | 2/25/2010 5:39:11 PM |
| wiacf1 | $200.00 | $200.00 | 2/25/2010 8:20:56 PM |
| Kqwik | $30.19 | $30.19 | 2/26/2010 11:25:50 AM |
| BradP | $50.00 | $50.00 | 2/26/2010 12:29:38 PM |
| allbalooboy2 | $25.00 | $25.00 | 2/26/2010 8:55:01 PM |
| CoffeyvilleKS | $25.00 | $25.00 | 2/27/2010 6:34:41 AM |
| Peterman | $25.00 | $25.00 | 2/27/2010 10:11:05 PM |
| 113121 | $25.00 | $25.00 | 2/28/2010 8:00:06 AM |
| nshabani6 | $25.00 | $25.00 | 2/28/2010 1:53:54 AM |
| income-rocker2 | $100.00 | $100.00 | 3/1/2010 11:51:21 AM |
| IASKGOD | $25.00 | $25.00 | 3/1/2010 8:38:32 AM |
| Skeptical-one | $30.00 | $30.00 | 3/1/2010 8:09:13 AM |
| retired272 | $25.00 | $25.00 | 3/1/2010 4:15:24 PM |
| kfboomer | $99.00 | $99.00 | 3/1/2010 4:54:50 PM |
| bold-dynamic-silver | $25.00 | $25.00 | 3/1/2010 5:19:03 PM |
| bondhedger | $25.00 | $25.00 | 3/1/2010 5:30:10 PM |
| CoolPlexer | $25.00 | $25.00 | 3/1/2010 5:41:49 PM |
| Jasmel | $600.00 | $600.00 | 2/25/2010 5:58:52 AM |
| reflective-rupee | $100.00 | $100.00 | 2/24/2010 6:52:48 PM |
| reflective-rupee | $50.00 | $50.00 | 2/24/2010 6:53:14 PM |
| reflective-rupee | $100.00 | $100.00 | 2/24/2010 6:51:51 PM |
| Bob450 | $50.00 | $50.00 | 2/24/2010 9:46:41 PM |
| bright-exchange | $25.00 | $25.00 | 2/25/2010 7:04:32 AM |
| Onlyhappycustomers | $25.00 | $25.00 | 2/25/2010 6:31:48 PM |
| order-brigade | $25.00 | $25.00 | 2/25/2010 4:13:06 PM |
| currency-bumblebee | $25.00 | $25.00 | 2/26/2010 10:39:58 AM |
| dynrep | $25.00 | $25.00 | 2/26/2010 11:07:03 AM |
| Mark-M | $25.00 | $25.00 | 2/26/2010 11:16:59 AM |
| penny-surgeon | $25.00 | $25.00 | 2/26/2010 11:31:00 AM |
| glimmering-point | $25.00 | $25.00 | 2/26/2010 6:17:23 PM |
| loss-of-control | $50.00 | $50.00 | 2/27/2010 11:47:20 AM |
| Asimus | $66.86 | $66.86 | 2/27/2010 6:17:17 PM |
| helping-out | $35.00 | $35.00 | 2/28/2010 1:14:50 PM |
| ColoradoBanker | $50.00 | $50.00 | 2/28/2010 9:01:25 PM |
| EEasyMoney | $25.00 | $25.00 | 2/28/2010 10:52:35 AM |
| PXM-Financial | $35.00 | $35.00 | 2/28/2010 8:11:05 PM |
| income-rocker2 | $100.00 | $100.00 | 3/1/2010 11:53:25 AM |
| heritage_loans | $40.00 | $40.00 | 3/1/2010 7:30:32 AM |
| EngineerUSMC | $100.00 | $100.00 | 3/1/2010 8:55:43 AM |
| kenang1 | $50.00 | $50.00 | 3/1/2010 2:02:41 PM |
| asset-vibraphone | $25.00 | $25.00 | 3/1/2010 3:53:58 PM |
| justice-magnate | $50.00 | $50.00 | 3/1/2010 11:36:33 AM |
| income-rocker2 | $100.00 | $100.00 | 3/1/2010 11:52:23 AM |
| hunter3 | $25.00 | $25.00 | 3/1/2010 2:41:33 PM |
| best-generosity-financier | $25.00 | $25.00 | 3/1/2010 4:30:20 PM |
| jes5199 | $25.00 | $25.00 | 3/1/2010 4:56:01 PM |
| Kash2010lu | $50.00 | $50.00 | 3/1/2010 7:00:02 PM |
| 113121 | $1,000.00 | $38.95 | 3/1/2010 5:18:18 PM |
| srthsvghdthtr | $25.00 | $25.00 | 3/1/2010 5:23:37 PM |
| 53 bids
|
Borrower Payment Dependent Notes Series
448569
This series of Notes was issued and sold upon the funding of the borrower loan #41172, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Mar-03-2010 |
| |
Auction end date:
| Mar-10-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.57% |
Final monthly payment:
| $181.91 |
| |
|
Auction yield range:
| 11.05% - 34.00% |
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:
| Oct-1995 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
10 | Length of status: | 0y 6m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,370 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| MIKE_L |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a credit card
Purpose of loan:
This loan will be used to pay off a credit card.? I'm back to work now at a?stable job,?however I was out of work for about 5 months last year.? I got behind on my credit card payments and I am just now getting caught up.? I am able to make all of my payments now, but I still got a settlement offer from?one of my Credit Cards.??This loan will be used to pay for part of the settlement. I owe about $16,300,?my current credit card payment is around $310, they are forgiving just under $9,000 and I will have to pay $7300?for the settlement.? The loan is for less than the settlement, I will use my tax return?for the remainder(I have already received it).
My financial situation:
I am a good candidate for this loan because I have always payed my bills on time.? Until I lost my job last year, I have always had excellent credit. Getting rid this credit card will greatly help my situation.? The payment for this loan, even at the highest interest rate will still be much less(?at least $100?less)?than the credit card payment.
Monthly net income: $?4416 (my income only)
Monthly expenses: $?3560
??Housing: $?625
??Insurance: $ 25
??Car expenses: $?200
??Utilities: $?150
??Phone, cable, internet: $?200??
??Food, entertainment: $?200
??Clothing, household expenses $100
??Credit cards and other loans: $1900?
??Other expenses: $ 260 Childcare
Additional Income
Ebay: $200/mo (this isn't always consistent)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| econman1 | $25.00 | $25.00 | 3/3/2010 4:14:52 PM |
| yeti888 | $25.00 | $25.00 | 3/3/2010 4:15:59 PM |
| noble-revenue | $52.80 | $52.80 | 3/3/2010 4:16:10 PM |
| autonomous-truth | $25.00 | $25.00 | 3/3/2010 4:16:29 PM |
| dough-bear | $50.00 | $50.00 | 3/3/2010 4:14:48 PM |
| javajo22 | $25.00 | $25.00 | 3/3/2010 4:15:03 PM |
| Kaj | $25.00 | $25.00 | 3/3/2010 4:16:21 PM |
| AF-Chief | $28.00 | $28.00 | 3/3/2010 4:16:28 PM |
| Fernpatch_autoshop | $25.00 | $25.00 | 3/3/2010 4:14:50 PM |
| GatorBux | $25.00 | $25.00 | 3/3/2010 4:16:00 PM |
| seisen | $50.00 | $50.00 | 3/3/2010 4:16:24 PM |
| charming-point | $300.00 | $300.00 | 3/5/2010 2:32:54 PM |
| Nailman88 | $25.00 | $25.00 | 3/5/2010 3:31:18 PM |
| Maetryx | $41.50 | $41.50 | 3/8/2010 5:07:32 PM |
| kingston1 | $25.00 | $25.00 | 3/8/2010 5:55:25 PM |
| letsbank | $25.00 | $25.00 | 3/8/2010 7:51:19 PM |
| beans53 | $25.00 | $25.00 | 3/9/2010 7:01:01 AM |
| kendigme | $25.00 | $25.00 | 3/9/2010 2:48:28 AM |
| sc-pjb11 | $25.00 | $25.00 | 3/9/2010 2:56:10 AM |
| Whipster | $25.00 | $25.00 | 3/8/2010 6:18:07 PM |
| believe2succeed | $31.75 | $31.75 | 3/8/2010 7:25:10 PM |
| mlj0671 | $25.00 | $25.00 | 3/9/2010 5:31:38 AM |
| dudebrah | $25.00 | $25.00 | 3/9/2010 1:14:36 PM |
| JamesDewsbury | $25.00 | $25.00 | 3/9/2010 4:44:52 PM |
| admirable-credit | $25.00 | $25.00 | 3/9/2010 5:11:07 PM |
| JiggaJoeyS | $50.00 | $50.00 | 3/9/2010 5:16:05 PM |
| MrMoneyBags | $25.00 | $25.00 | 3/9/2010 7:53:41 PM |
| Leopoldine | $25.00 | $25.00 | 3/9/2010 5:41:23 PM |
| aztec | $50.00 | $50.00 | 3/9/2010 10:41:49 PM |
| wealth-multiplier | $25.00 | $25.00 | 3/9/2010 7:59:54 PM |
| psycardis | $50.00 | $50.00 | 3/9/2010 8:51:21 PM |
| admirable-yield9 | $50.00 | $50.00 | 3/10/2010 7:12:24 AM |
| stephen_c01 | $30.00 | $30.00 | 3/10/2010 5:03:58 AM |
| Phatt-Daddy | $25.00 | $25.00 | 3/10/2010 8:01:38 AM |
| Drewbacca | $25.00 | $25.00 | 3/9/2010 8:10:37 PM |
| webfeet | $25.00 | $25.00 | 3/10/2010 9:19:54 AM |
| ALFLoan | $25.00 | $25.00 | 3/10/2010 6:27:18 AM |
| The-CAPS-fan | $25.00 | $25.00 | 3/10/2010 7:11:40 AM |
| foothillender | $25.00 | $25.00 | 3/10/2010 7:30:17 AM |
| kendigme | $25.00 | $25.00 | 3/10/2010 3:59:07 AM |
| wise-repayment-seeker | $25.00 | $25.00 | 3/10/2010 9:11:56 AM |
| justme4now | $25.00 | $25.00 | 3/10/2010 6:26:21 AM |
| bitano | $25.00 | $25.00 | 3/10/2010 7:09:08 AM |
| Leshan | $25.00 | $25.00 | 3/10/2010 12:04:40 PM |
| principal-laser | $50.00 | $50.00 | 3/10/2010 11:40:41 AM |
| lth35 | $42.15 | $42.15 | 3/10/2010 10:29:56 AM |
| BrighterSuns | $29.56 | $29.56 | 3/10/2010 1:28:01 PM |
| credit-missile | $150.00 | $150.00 | 3/10/2010 2:28:12 PM |
| toxicbutterfly | $30.00 | $30.00 | 3/10/2010 2:36:08 PM |
| Happyhourcomics | $25.00 | $25.00 | 3/10/2010 2:47:59 PM |
| ultimate-peace | $125.00 | $125.00 | 3/10/2010 3:25:52 PM |
| Bill88 | $25.00 | $25.00 | 3/10/2010 3:28:33 PM |
| surferracerskaterboy | $50.00 | $50.00 | 3/10/2010 12:03:13 PM |
| DasMula | $50.00 | $50.00 | 3/10/2010 3:34:51 PM |
| evergreen16 | $50.00 | $50.00 | 3/10/2010 3:46:23 PM |
| rapid-currency | $28.71 | $28.71 | 3/10/2010 12:47:10 PM |
| debt-legend | $25.00 | $25.00 | 3/10/2010 12:54:22 PM |
| piter-to-la-investment | $40.00 | $40.00 | 3/10/2010 3:23:44 PM |
| JiggaJoeyS | $250.00 | $250.00 | 3/10/2010 3:50:23 PM |
| social-conductor4 | $25.00 | $25.00 | 3/3/2010 4:15:07 PM |
| MONEYMATCH | $25.00 | $25.00 | 3/3/2010 4:16:01 PM |
| investment-tempo | $25.00 | $25.00 | 3/3/2010 4:16:14 PM |
| alex13 | $250.00 | $250.00 | 3/3/2010 4:16:33 PM |
| yarg | $25.00 | $25.00 | 3/3/2010 4:14:52 PM |
| desertoasis | $25.00 | $25.00 | 3/3/2010 4:16:30 PM |
| capital-galaxy | $100.00 | $43.75 | 3/3/2010 4:16:37 PM |
| ImaPutz | $25.00 | $25.00 | 3/3/2010 4:14:03 PM |
| pfenness | $88.70 | $88.70 | 3/3/2010 4:14:51 PM |
| oldmora | $50.00 | $50.00 | 3/3/2010 4:16:26 PM |
| Bob450 | $50.00 | $50.00 | 3/3/2010 10:52:44 PM |
| UCLA4life | $25.00 | $25.00 | 3/3/2010 6:15:15 PM |
| LT-Loans | $25.00 | $25.00 | 3/5/2010 9:39:50 AM |
| helpneachother | $25.00 | $25.00 | 3/6/2010 3:35:14 PM |
| LARRY4NY | $42.96 | $42.96 | 3/8/2010 4:19:46 PM |
| hektek22 | $25.00 | $25.00 | 3/8/2010 9:22:48 PM |
| nurat | $25.00 | $25.00 | 3/9/2010 6:03:20 AM |
| scroooge | $25.00 | $25.00 | 3/9/2010 9:42:11 AM |
| wwwUniversal | $25.00 | $25.00 | 3/9/2010 9:41:39 AM |
| SignatureCapital | $25.00 | $25.00 | 3/9/2010 12:07:45 PM |
| good4loan | $25.00 | $25.00 | 3/9/2010 12:07:53 PM |
| Maksimus | $40.63 | $40.63 | 3/9/2010 12:36:48 PM |
| PotBellyPete | $25.00 | $25.00 | 3/9/2010 1:57:01 PM |
| bold-attentive-listing | $25.00 | $25.00 | 3/9/2010 7:55:44 PM |
| kindness-venture1 | $25.00 | $25.00 | 3/9/2010 5:23:12 PM |
| photo999 | $25.00 | $25.00 | 3/9/2010 6:40:20 PM |
| grnii78 | $100.00 | $100.00 | 3/10/2010 3:53:22 AM |
| vineet | $25.00 | $25.00 | 3/9/2010 6:01:26 PM |
| Isotope | $25.00 | $25.00 | 3/10/2010 7:00:23 AM |
| umfan123 | $25.00 | $25.00 | 3/10/2010 7:12:07 AM |
| daekpon | $30.00 | $30.00 | 3/10/2010 2:58:53 AM |
| nybanker85 | $100.00 | $100.00 | 3/9/2010 8:31:45 PM |
| Taho | $25.00 | $25.00 | 3/10/2010 7:14:02 AM |
| tigercat | $50.00 | $50.00 | 3/10/2010 10:02:00 AM |
| unger | $50.00 | $50.00 | 3/10/2010 9:19:37 AM |
| new-peso-concerto | $25.00 | $25.00 | 3/10/2010 5:55:07 AM |
| Vans1975 | $55.00 | $55.00 | 3/10/2010 9:44:13 AM |
| duagne | $75.00 | $75.00 | 3/10/2010 10:19:18 AM |
| lend42013 | $25.00 | $25.00 | 3/10/2010 1:01:40 PM |
| wonder3 | $25.00 | $25.00 | 3/10/2010 2:24:32 PM |
| trade-elm | $38.40 | $38.40 | 3/10/2010 2:46:18 PM |
| the-felicity-supergiant | $25.00 | $25.00 | 3/10/2010 11:29:22 AM |
| eretro | $31.09 | $31.09 | 3/10/2010 3:05:46 PM |
| farchoir | $25.00 | $25.00 | 3/10/2010 3:17:19 PM |
| finance-solo | $25.00 | $25.00 | 3/10/2010 11:55:11 AM |
| payout-bridge | $100.00 | $100.00 | 3/10/2010 3:19:14 PM |
| Engineer44 | $25.00 | $25.00 | 3/10/2010 4:10:33 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
448615
This series of Notes was issued and sold upon the funding of the borrower loan #41171, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| Mar-02-2010 |
| |
Auction end date:
| Mar-07-2010 |
|
|
Starting lender yield:
| 22.69% |
Starting borrower rate/APR:
| 23.69% / 25.98% |
Starting monthly payment:
| $117.21 |
|
Final lender yield:
| 20.55% |
Final borrower rate/APR:
| 21.55% / 23.81% |
Final monthly payment:
| $113.87 |
| |
|
Auction yield range:
| 8.05% - 22.69% |
Estimated loss impact:
| 8.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.07% | | |
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-2007 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 2y 3m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 8 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $640 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| respectful-bid |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Some minor repairs!
Purpose of loan:
This loan will be used to preform some very minor home modifications.? Money is not the issue but developing credit is.?
We live on a golf course and are continually being hit with golf balls, breaking windows!? We going to invest in some window covers that will eliminate this threat.? Also we are going to purchase some blocks so I can make a retaining wall in our backyard and help shape it a bit more.
My parents own the home and I live with them, it's just something nice that I can do for them.? I don't know if you can see it from the image but the present retaining wall in the yard is just some old rail road logs.?
My financial situation:
There are four reasons why this loan is easy for you:
1) I pay off all my cards at the end of each month and am extremely financially responsible.
2) I am saving up to purchase a home and therefore have significant savings and so taking on some interest expense is but a small cost for a lower APR on a home mortgage down the road.?
3) I was a Finance and Business Admin double major in my undergrad and am studying toward my MBA right now while working full time.
4) I live at home with my parents and therefore have essentially zero ongoing expenses.? I do not pay rent, I own my $10,000 car free and clear and my only debt is found in long term government subsidized student loans.?
Please feel free to ask if you have any questions.? The thought of defaulting on any loan is foreign to me and my family always operated under the premise that if you promise someone something (repayment) you will do it.? No matter what.
Again, ask if you have any questions,
Cheers,
Borrower
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
You indicate that you're renting your home. Why are you asking for money to make the repairs instead of having the landlord make the repairs for you? - Duckman_Dot_Com
A:
I hope my listing does not give the impression I am renting. The repairs to the property are a gift to my parents, my "landlords." The only way I am "paying" for housing is by putting approximately 1500 per month into a money market account saving for a house. When my parents sell their home (18 to 24 months from now) they are going to give me the money back. Again, building credit is the only objective.
(Mar-04-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| cognizant-rate732 | $50.00 | $50.00 | 3/2/2010 4:42:03 PM |
| Yomain | $60.00 | $60.00 | 3/2/2010 5:06:17 PM |
| Brown98 | $25.00 | $25.00 | 3/2/2010 5:06:28 PM |
| felicity-daydream | $50.00 | $50.00 | 3/2/2010 5:11:12 PM |
| Bob450 | $50.00 | $50.00 | 3/2/2010 8:05:31 PM |
| mercuriant | $25.00 | $25.00 | 3/2/2010 4:58:02 PM |
| SolarMoonshine | $25.00 | $25.00 | 3/2/2010 6:23:22 PM |
| Bank_Of_XL | $50.00 | $50.00 | 3/3/2010 4:54:22 AM |
| investment-oasis | $50.00 | $50.00 | 3/2/2010 7:44:18 PM |
| poolshark72 | $25.00 | $25.00 | 3/2/2010 8:40:45 PM |
| 1-HARD-HEAD | $100.00 | $100.00 | 3/2/2010 9:37:52 PM |
| shrewd-peace7 | $25.00 | $25.00 | 3/2/2010 8:56:48 PM |
| webfeet | $25.00 | $25.00 | 3/3/2010 7:03:24 AM |
| Finchy78 | $25.00 | $25.00 | 3/3/2010 2:57:43 PM |
| elegant-loot | $25.00 | $25.00 | 3/3/2010 9:05:56 AM |
| foothillender | $25.00 | $25.00 | 3/3/2010 11:20:16 AM |
| Rockymtnhi | $100.00 | $100.00 | 3/3/2010 4:19:05 PM |
| zento | $25.00 | $25.00 | 3/3/2010 12:43:26 PM |
| lucrative-loan | $50.00 | $50.00 | 3/3/2010 5:24:16 PM |
| integrity-doctor | $50.00 | $50.00 | 3/3/2010 7:11:42 PM |
| SmartConsolidation | $25.00 | $25.00 | 3/4/2010 9:32:13 AM |
| bgood2016 | $25.00 | $25.00 | 3/4/2010 4:04:05 PM |
| helpful-payout | $25.00 | $25.00 | 3/4/2010 6:38:22 PM |
| gwar28 | $89.03 | $89.03 | 3/4/2010 9:28:22 PM |
| chrisjs15 | $25.00 | $25.00 | 3/4/2010 5:21:01 PM |
| Streamfeeder | $25.00 | $25.00 | 3/5/2010 3:43:08 AM |
| buffalobills | $25.00 | $25.00 | 3/5/2010 7:47:49 AM |
| power-secret-agent | $50.00 | $50.00 | 3/4/2010 6:26:34 PM |
| bull_lender | $36.00 | $36.00 | 3/4/2010 6:41:16 PM |
| FinanceEngine | $25.00 | $25.00 | 3/5/2010 11:49:03 AM |
| Zagit | $29.23 | $29.23 | 3/5/2010 6:17:28 AM |
| szetheli | $152.00 | $152.00 | 3/5/2010 8:13:11 AM |
| Sugarmama21 | $100.00 | $100.00 | 3/5/2010 6:12:14 PM |
| marwadi-62 | $100.00 | $100.00 | 3/5/2010 6:15:19 PM |
| mt3209 | $25.00 | $25.00 | 3/5/2010 7:22:21 PM |
| Myrick | $25.00 | $25.00 | 3/5/2010 6:31:44 PM |
| natejx | $25.00 | $25.00 | 3/6/2010 12:12:37 PM |
| drkosh | $25.00 | $25.00 | 3/7/2010 9:20:48 AM |
| LuvToLend | $25.00 | $25.00 | 3/7/2010 12:39:13 PM |
| preventivepestcontrol | $100.00 | $100.00 | 3/6/2010 6:14:47 PM |
| investment-daydream | $50.00 | $50.00 | 3/7/2010 12:18:02 PM |
| inismor | $25.00 | $25.00 | 3/2/2010 4:42:46 PM |
| aurorafinancial | $50.00 | $50.00 | 3/2/2010 4:54:19 PM |
| reflective-rupee | $150.00 | $150.00 | 3/2/2010 6:01:44 PM |
| investment-oasis | $50.00 | $50.00 | 3/2/2010 5:19:26 PM |
| investment-oasis | $60.00 | $60.00 | 3/2/2010 5:31:27 PM |
| JustMee | $25.00 | $25.00 | 3/2/2010 9:23:38 PM |
| Sparchange | $25.00 | $25.00 | 3/3/2010 12:32:27 AM |
| GoGators01 | $25.00 | $25.00 | 3/3/2010 2:40:55 PM |
| dynrep | $50.00 | $50.00 | 3/3/2010 9:20:07 AM |
| one-midas | $25.00 | $25.00 | 3/3/2010 7:15:43 PM |
| Cpay2Me | $25.00 | $25.00 | 3/3/2010 5:24:52 PM |
| mikeandcat | $50.00 | $50.00 | 3/4/2010 4:56:03 AM |
| CornerKetch | $25.00 | $25.00 | 3/4/2010 9:25:22 AM |
| the-profit-oracle | $25.00 | $25.00 | 3/4/2010 6:54:21 PM |
| kginatl | $50.05 | $50.05 | 3/4/2010 5:07:43 PM |
| wach | $25.00 | $25.00 | 3/4/2010 7:24:16 PM |
| shakas | $30.00 | $30.00 | 3/4/2010 4:47:44 PM |
| twtb19 | $25.00 | $25.00 | 3/5/2010 7:11:00 AM |
| tntmojave | $25.00 | $25.00 | 3/5/2010 9:34:35 AM |
| sociallender | $25.00 | $25.00 | 3/5/2010 1:19:02 AM |
| LarWit1512 | $25.00 | $25.00 | 3/5/2010 8:59:19 AM |
| Cromag | $25.00 | $25.00 | 3/5/2010 8:55:18 AM |
| cash-vault | $25.00 | $6.08 | 3/5/2010 9:24:17 AM |
| Crom | $25.00 | $25.00 | 3/5/2010 2:32:03 PM |
| himanshuko | $25.00 | $25.00 | 3/5/2010 10:44:44 AM |
| Nailman88 | $25.00 | $25.00 | 3/5/2010 2:49:34 PM |
| blackstar | $25.00 | $25.00 | 3/6/2010 6:15:36 AM |
| TreesBumpsJumps17 | $33.71 | $33.71 | 3/6/2010 10:43:46 AM |
| dm82 | $30.00 | $30.00 | 3/6/2010 1:24:08 PM |
| generous-deal6 | $48.90 | $48.90 | 3/6/2010 5:05:31 PM |
| tashara | $25.00 | $25.00 | 3/7/2010 12:01:17 PM |
| vutah | $50.00 | $50.00 | 3/6/2010 10:12:31 PM |
| 73 bids
|
Borrower Payment Dependent Notes Series
448633
This series of Notes was issued and sold upon the funding of the borrower loan #41188, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,200.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Mar-02-2010 |
| |
Auction end date:
| Mar-05-2010 |
|
|
Starting lender yield:
| 8.39% |
Starting borrower rate/APR:
| 9.39% / 11.49% |
Starting monthly payment:
| $134.32 |
|
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $133.95 |
| |
|
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:
| Sep-1998 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 2y 1m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 31 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,658 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| calm-duty9 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off two high interest rate credit cards.
My financial situation:
I am a good candidate for this loan because I have a steady paying secured job.? I have never missed a payment on these credit cards and only want to see if I'll get a better interest rate than the rate my cards are at currently.? And gosh darn-it people like me!
Monthly net income: $2700.00
Monthly expenses: $
1300.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lean-velocity | $25.00 | $25.00 | 3/2/2010 4:46:09 PM |
| jeffpac | $55.00 | $55.00 | 3/2/2010 4:48:45 PM |
| kbodendorf | $25.00 | $25.00 | 3/2/2010 4:48:50 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 3/2/2010 4:49:00 PM |
| lloyd_s | $25.00 | $25.00 | 3/2/2010 4:49:15 PM |
| Cai8899 | $75.00 | $75.00 | 3/2/2010 4:49:21 PM |
| kenji4861 | $25.00 | $25.00 | 3/2/2010 4:41:47 PM |
| AF-Chief | $27.00 | $27.00 | 3/2/2010 4:42:41 PM |
| torion | $25.00 | $25.00 | 3/2/2010 4:51:14 PM |
| credit-force5 | $25.00 | $25.00 | 3/2/2010 4:51:32 PM |
| trustworthy-finance6 | $25.00 | $25.00 | 3/2/2010 4:52:14 PM |
| bold-durability-drum | $25.00 | $25.00 | 3/2/2010 4:52:41 PM |
| success1001 | $50.00 | $50.00 | 3/2/2010 4:53:40 PM |
| dollar-birdie | $50.00 | $50.00 | 3/2/2010 4:46:12 PM |
| integrity-doctor | $50.00 | $50.00 | 3/2/2010 4:55:12 PM |
| Zanch | $25.00 | $25.00 | 3/2/2010 4:56:00 PM |
| skuba | $25.00 | $25.00 | 3/2/2010 4:43:56 PM |
| Microfinancer | $25.00 | $25.00 | 3/2/2010 4:49:08 PM |
| platinum-platoon | $25.00 | $25.00 | 3/2/2010 4:56:35 PM |
| radforj22 | $25.00 | $25.00 | 3/2/2010 4:50:02 PM |
| macjp123 | $25.00 | $25.00 | 3/2/2010 4:50:15 PM |
| wormdc | $25.00 | $25.00 | 3/2/2010 4:58:57 PM |
| Philolend | $25.00 | $25.00 | 3/2/2010 4:59:28 PM |
| newest-famous-loan | $25.00 | $25.00 | 3/2/2010 4:59:45 PM |
| elgollo | $25.00 | $25.00 | 3/2/2010 4:52:36 PM |
| steely_dan34 | $25.00 | $25.00 | 3/2/2010 5:00:45 PM |
| irrelevant | $25.00 | $25.00 | 3/2/2010 4:54:07 PM |
| 1phantom | $25.00 | $25.00 | 3/2/2010 4:54:11 PM |
| progressive-asset | $100.00 | $100.00 | 3/2/2010 4:50:21 PM |
| hitsman | $50.00 | $50.00 | 3/2/2010 4:50:28 PM |
| economy-association | $25.00 | $25.00 | 3/2/2010 4:54:50 PM |
| Clambake | $50.00 | $50.00 | 3/2/2010 4:50:38 PM |
| Goodlender42 | $25.00 | $25.00 | 3/2/2010 4:55:49 PM |
| honorable-yield | $75.00 | $75.00 | 3/2/2010 4:51:46 PM |
| bonus-adventure3 | $25.00 | $25.00 | 3/2/2010 4:53:18 PM |
| gracej | $25.00 | $25.00 | 3/2/2010 4:59:38 PM |
| Merganser | $25.00 | $25.00 | 3/2/2010 4:56:17 PM |
| mikeandcat | $50.00 | $50.00 | 3/2/2010 4:56:53 PM |
| fightinjoe | $25.00 | $25.00 | 3/2/2010 9:37:18 PM |
| studious-bonus7 | $50.00 | $50.00 | 3/2/2010 4:57:01 PM |
| unassuming-reward | $25.00 | $25.00 | 3/2/2010 4:57:14 PM |
| transparent-money2 | $25.00 | $25.00 | 3/2/2010 6:00:20 PM |
| grampy48 | $25.00 | $25.00 | 3/2/2010 4:59:16 PM |
| RandyL3 | $33.00 | $33.00 | 3/2/2010 4:59:32 PM |
| flexible-return297 | $25.00 | $25.00 | 3/2/2010 4:59:51 PM |
| Banker7371 | $25.00 | $25.00 | 3/2/2010 5:00:07 PM |
| moola-man | $50.00 | $50.00 | 3/2/2010 7:52:26 PM |
| PeopleHelpers | $25.00 | $25.00 | 3/2/2010 5:01:08 PM |
| bxdoc | $250.00 | $250.00 | 3/3/2010 7:08:27 AM |
| kochan123 | $25.00 | $25.00 | 3/2/2010 6:11:32 PM |
| balance-whistle7 | $25.00 | $25.00 | 3/2/2010 7:30:38 PM |
| MoneyU4IA | $40.00 | $40.00 | 3/3/2010 5:28:31 AM |
| kmr2 | $25.00 | $25.00 | 3/3/2010 8:43:34 AM |
| a-finance-nirvana | $25.00 | $25.00 | 3/3/2010 5:28:33 AM |
| interest-exec9 | $25.00 | $25.00 | 3/3/2010 7:28:41 AM |
| interstellar | $50.00 | $50.00 | 3/4/2010 3:41:00 PM |
| Patrician | $25.00 | $25.00 | 3/5/2010 12:33:14 PM |
| kulender | $25.00 | $25.00 | 3/2/2010 4:48:33 PM |
| xstreamin | $25.00 | $25.00 | 3/2/2010 4:50:48 PM |
| jigsaw | $100.00 | $100.00 | 3/2/2010 4:51:01 PM |
| woodenshoes | $25.00 | $25.00 | 3/2/2010 4:42:53 PM |
| the-profit-oracle | $25.00 | $25.00 | 3/2/2010 4:52:32 PM |
| desertoasis | $50.00 | $50.00 | 3/2/2010 4:46:07 PM |
| meenan | $25.00 | $25.00 | 3/2/2010 4:53:46 PM |
| natural-greenback6 | $25.00 | $25.00 | 3/2/2010 4:54:24 PM |
| dmfog | $25.00 | $25.00 | 3/2/2010 4:54:59 PM |
| top-silver-american | $25.00 | $25.00 | 3/2/2010 4:55:18 PM |
| zielojo | $25.00 | $25.00 | 3/2/2010 4:56:12 PM |
| inspired-contract9 | $25.00 | $25.00 | 3/2/2010 4:56:28 PM |
| jaker | $25.00 | $25.00 | 3/2/2010 4:56:32 PM |
| delicious-social132 | $40.00 | $40.00 | 3/2/2010 4:49:26 PM |
| HHP | $25.00 | $25.00 | 3/2/2010 4:49:37 PM |
| reflective-deal8 | $50.00 | $50.00 | 3/2/2010 4:49:53 PM |
| red-favorable-basis | $25.00 | $25.00 | 3/2/2010 4:57:28 PM |
| nybanker85 | $25.00 | $25.00 | 3/2/2010 4:58:07 PM |
| bonafide-cash | $50.00 | $50.00 | 3/2/2010 4:51:07 PM |
| skvat | $25.00 | $25.00 | 3/2/2010 4:58:48 PM |
| wampum-reaction2 | $25.00 | $25.00 | 3/2/2010 4:51:39 PM |
| webfeet | $25.00 | $25.00 | 3/2/2010 4:59:08 PM |
| lovelongandprosper | $50.00 | $50.00 | 3/2/2010 5:00:01 PM |
| asset-professor | $75.00 | $75.00 | 3/2/2010 4:48:39 PM |
| personal-lender | $25.00 | $25.00 | 3/2/2010 4:53:06 PM |
| bradny | $25.00 | $25.00 | 3/2/2010 5:00:48 PM |
| mg6619 | $25.00 | $25.00 | 3/2/2010 4:53:24 PM |
| Kaj | $25.00 | $25.00 | 3/2/2010 4:49:32 PM |
| note-sensation | $25.00 | $25.00 | 3/2/2010 4:49:44 PM |
| flexible-value | $31.00 | $31.00 | 3/2/2010 4:50:10 PM |
| luckyldy | $35.00 | $35.00 | 3/2/2010 4:50:57 PM |
| PaulHenry | $25.00 | $25.00 | 3/2/2010 4:56:08 PM |
| Avala | $50.00 | $50.00 | 3/2/2010 4:51:24 PM |
| mlopez2007 | $25.00 | $25.00 | 3/2/2010 4:51:53 PM |
| gavinfh | $25.00 | $25.00 | 3/2/2010 4:51:58 PM |
| tranquil-diversification8 | $25.00 | $25.00 | 3/2/2010 4:52:04 PM |
| BlindJoeDeath | $25.00 | $25.00 | 3/2/2010 6:21:53 PM |
| senorzookeeper | $25.00 | $25.00 | 3/2/2010 4:52:21 PM |
| wise-handy-finance | $25.00 | $25.00 | 3/2/2010 4:52:47 PM |
| market-builder | $25.00 | $25.00 | 3/2/2010 4:57:42 PM |
| Aimvest | $25.00 | $25.00 | 3/2/2010 4:53:31 PM |
| charming-point | $25.00 | $25.00 | 3/2/2010 7:16:12 PM |
| rolandweary | $30.00 | $30.00 | 3/2/2010 4:53:50 PM |
| lendersf | $95.00 | $95.00 | 3/2/2010 4:53:56 PM |
| important-ore | $50.00 | $50.00 | 3/2/2010 4:54:43 PM |
| forthright-dedication | $25.00 | $25.00 | 3/2/2010 5:00:52 PM |
| Phantom99 | $25.00 | $25.00 | 3/2/2010 4:55:30 PM |
| helping-out | $25.00 | $25.00 | 3/2/2010 4:56:20 PM |
| djs81 | $25.00 | $25.00 | 3/2/2010 4:56:46 PM |
| manlytim | $25.00 | $25.00 | 3/2/2010 6:50:33 PM |
| mizon291 | $50.00 | $50.00 | 3/2/2010 11:59:26 PM |
| marketplace-achievement | $46.32 | $32.09 | 3/3/2010 8:58:29 AM |
| whynormal | $25.00 | $25.00 | 3/2/2010 8:02:39 PM |
| hawaiiangirl76 | $25.00 | $25.00 | 3/3/2010 6:34:33 AM |
| agab | $25.00 | $25.00 | 3/3/2010 7:36:36 AM |
| blissful-note7 | $25.00 | $25.00 | 3/3/2010 12:59:12 AM |
| bowdish1 | $43.54 | $43.54 | 3/3/2010 8:28:28 AM |
| alpinaut | $25.00 | $25.00 | 3/3/2010 5:04:58 AM |
| peso-colonel | $38.37 | $38.37 | 3/3/2010 6:58:44 AM |
| webfeet | $25.00 | $25.00 | 3/3/2010 8:30:56 AM |
| tisiphone | $25.00 | $25.00 | 3/4/2010 5:07:30 PM |
| qkinger | $50.00 | $50.00 | 3/4/2010 6:18:08 PM |
| 119 bids
|
Borrower Payment Dependent Notes Series
448735
This series of Notes was issued and sold upon the funding of the borrower loan #41191, 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:
| Mar-03-2010 |
| |
Auction end date:
| Mar-09-2010 |
|
|
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:
| Sep-1996 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 6m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 26 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,347 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| FestivasPole |
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
Reduce Monthly Credit Line Payments
1.)? W-2 Stated Income 2009 - $121K? (Proof to be furnished upon request)
2.)? We bought our first home in
August of 09, we took out a loan for $300,000 with 20% down at 5.25%,
Escrow closed in under 30 days.? At that time, my Fico (house in my name) was over 700.? This is why $5900 @ 30+% should be a no-brainer and an extremely high-yielding investment for the folks on this site.? This is my second listing, and I probably should have included this information the first time around.? My apologies if you are here again!
3.)? Ability to repay - In
addition to steady income (guaranteed by contract), this year I am
expecting income tax refunds in the amount of $9300 from overpayment of
2009 taxes and $8000 in the form of a new home buyer tax credit.? We
may very well take those proceeds to pay off this loan earlier than
anticipated.? I also did not report my wife's income on the
application, which brings our household income to over $160K. (Proof
to be furnished upon request)
4.)? "HR" Rating - I made some
financial mistakes and oversights
several years ago.? When I applied for and closed my home loan, my FICO
was
about 710 in August 09.? Since then I have been on time with payments,
so I assume the risk comes from a high Debt to Income or some such
criteria.?
Thanks
for considering my application for a loan.? Please let me know if you
have any questions or concerns whatsoever, I would likely have many
questions myself if I were on the other side of this listing.
Monthly net income: $ $7400
Monthly expenses: $
??Housing: $
2270
??Insurance: $
231
??Car expenses: $ 450
??Utilities: $
400
??Phone, cable, internet: $
120
??Food, entertainment: $ 300
??Clothing, household expenses $ Varies
??Credit cards and other loans: $ 1500
??Other expenses: $ 250
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Bob450 | $25.00 | $25.00 | 3/3/2010 10:41:50 PM |
| kindness-percolator5 | $25.00 | $25.00 | 3/3/2010 4:16:50 PM |
| micko | $25.00 | $25.00 | 3/4/2010 12:26:18 PM |
| dynrep | $100.00 | $100.00 | 3/5/2010 5:57:25 AM |
| LAKETIME | $25.00 | $25.00 | 3/5/2010 9:33:06 AM |
| periko | $50.00 | $50.00 | 3/5/2010 9:41:32 PM |
| aztocas | $25.00 | $25.00 | 3/5/2010 10:40:15 PM |
| bankbuddy55 | $50.00 | $50.00 | 3/6/2010 7:18:59 AM |
| victor111 | $25.00 | $25.00 | 3/8/2010 7:52:32 AM |
| COCHINOBOY | $25.00 | $25.00 | 3/7/2010 6:19:55 PM |
| bkwest01 | $300.00 | $300.00 | 3/8/2010 10:40:55 AM |
| cerebral-marketplace3 | $25.00 | $25.00 | 3/8/2010 3:53:18 PM |
| SolarMoonshine | $25.00 | $25.00 | 3/8/2010 5:10:58 PM |
| mrxtravis | $55.91 | $55.91 | 3/9/2010 7:25:03 AM |
| zydeco337 | $25.00 | $25.00 | 3/9/2010 10:14:37 AM |
| ore-dojo | $100.00 | $100.00 | 3/9/2010 10:00:59 AM |
| Tono | $30.00 | $30.00 | 3/9/2010 3:26:50 PM |
| PrincessGrace33 | $25.00 | $25.00 | 3/9/2010 11:32:08 AM |
| aquistoyraul | $25.00 | $25.00 | 3/9/2010 3:35:10 PM |
| dinero-baron | $500.00 | $416.19 | 3/9/2010 4:15:25 PM |
| reflective-rupee | $100.00 | $100.00 | 3/4/2010 8:56:03 PM |
| reflective-rupee | $200.00 | $200.00 | 3/4/2010 8:55:33 PM |
| reflective-rupee | $200.00 | $200.00 | 3/5/2010 6:45:32 PM |
| reflective-rupee | $750.00 | $750.00 | 3/6/2010 6:01:22 PM |
| lucrative-loan | $32.11 | $32.11 | 3/8/2010 11:47:59 AM |
| emance | $52.00 | $52.00 | 3/8/2010 7:54:10 PM |
| pietro_torna_indietro | $38.79 | $38.79 | 3/8/2010 9:36:53 PM |
| autonomous-truth | $50.00 | $50.00 | 3/8/2010 11:39:40 PM |
| DasMula | $1,000.00 | $1,000.00 | 3/9/2010 8:23:24 AM |
| BDS | $50.00 | $50.00 | 3/9/2010 11:42:38 AM |
| ore-dojo | $100.00 | $100.00 | 3/9/2010 9:57:58 AM |
| heritage_loans | $25.00 | $25.00 | 3/9/2010 2:07:02 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
449153
This series of Notes was issued and sold upon the funding of the borrower loan #41178, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Mar-05-2010 |
| |
Auction end date:
| Mar-09-2010 |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $95.93 |
|
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $95.68 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
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:
| Sep-2008 |
Debt/Income ratio:
| 3% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 1m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 3 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $66 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dedication-bada-bing |
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
expenses
Purpose of loan:
This loan will be used to purchase an engagement ring?
My financial situation:
I am a good candidate for this loan because i have a solid full time job that will last in time and will get a substantial raise soon.?
Monthly net income: $ 3450
Monthly expenses: $
??Housing: $ 700
??Insurance: $ paid by employer
??Car expenses: $ 250
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $?400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ don't have?debts. I usaually pay off my credit card completely every month.
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AF-Chief | $27.00 | $27.00 | 3/5/2010 4:50:13 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 3/5/2010 4:49:00 PM |
| Microfinancer | $25.00 | $25.00 | 3/5/2010 4:58:06 PM |
| macjp123 | $25.00 | $25.00 | 3/5/2010 4:58:55 PM |
| personal-lender | $25.00 | $25.00 | 3/5/2010 5:01:16 PM |
| top-silver-american | $25.00 | $25.00 | 3/5/2010 5:02:54 PM |
| hitsman | $50.00 | $50.00 | 3/5/2010 4:59:17 PM |
| torion | $25.00 | $25.00 | 3/5/2010 4:59:39 PM |
| nybanker85 | $25.00 | $25.00 | 3/5/2010 5:04:01 PM |
| tranquil-diversification8 | $25.00 | $25.00 | 3/5/2010 5:00:32 PM |
| bold-durability-drum | $25.00 | $25.00 | 3/5/2010 5:00:43 PM |
| Banker7371 | $25.00 | $25.00 | 3/5/2010 5:04:25 PM |
| fightinjoe | $25.00 | $25.00 | 3/5/2010 5:04:42 PM |
| studious-bonus7 | $50.00 | $50.00 | 3/5/2010 5:03:52 PM |
| gracej | $25.00 | $25.00 | 3/5/2010 5:04:08 PM |
| Cheburashka | $25.00 | $25.00 | 3/5/2010 5:08:00 PM |
| moola-man | $30.00 | $30.00 | 3/5/2010 5:04:34 PM |
| bchen78875 | $25.00 | $25.00 | 3/5/2010 5:05:04 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 3/5/2010 4:57:55 PM |
| boater01 | $50.00 | $50.00 | 3/5/2010 5:10:16 PM |
| Clambake | $50.00 | $50.00 | 3/5/2010 4:59:31 PM |
| senorzookeeper | $25.00 | $25.00 | 3/5/2010 5:06:50 PM |
| RandyL3 | $33.00 | $33.00 | 3/5/2010 5:12:36 PM |
| irrelevant | $25.00 | $25.00 | 3/5/2010 5:02:15 PM |
| 1phantom | $40.00 | $40.00 | 3/5/2010 5:02:17 PM |
| cwswdh | $25.00 | $25.00 | 3/5/2010 5:10:19 PM |
| lloyd_s | $25.00 | $25.00 | 3/5/2010 5:02:40 PM |
| Phantom99 | $25.00 | $25.00 | 3/5/2010 5:03:05 PM |
| tripnosis | $25.00 | $25.00 | 3/5/2010 5:05:06 PM |
| inspired-contract9 | $25.00 | $25.00 | 3/5/2010 5:05:57 PM |
| investor421 | $25.00 | $25.00 | 3/5/2010 5:07:24 PM |
| Edwin_Rae | $25.00 | $25.00 | 3/5/2010 5:07:32 PM |
| Aimvest | $25.00 | $25.00 | 3/5/2010 5:09:40 PM |
| srgriff | $25.00 | $25.00 | 3/5/2010 5:10:03 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 3/6/2010 8:55:31 AM |
| springpanda | $25.00 | $25.00 | 3/8/2010 12:07:13 PM |
| orbiter614 | $28.51 | $28.51 | 3/8/2010 1:44:35 PM |
| desertoasis | $25.00 | $25.00 | 3/5/2010 4:52:27 PM |
| skuba | $25.00 | $25.00 | 3/5/2010 4:54:19 PM |
| progressive-asset | $100.00 | $100.00 | 3/5/2010 4:59:05 PM |
| asset-professor | $75.00 | $75.00 | 3/5/2010 4:57:48 PM |
| mg6619 | $25.00 | $25.00 | 3/5/2010 5:01:33 PM |
| LibertyCPA | $25.00 | $25.00 | 3/5/2010 5:05:33 PM |
| RetiredATC | $25.00 | $25.00 | 3/5/2010 5:05:40 PM |
| important-ore | $50.00 | $50.00 | 3/5/2010 5:02:29 PM |
| integrity-doctor | $50.00 | $50.00 | 3/5/2010 5:02:48 PM |
| sharp-bill2 | $40.00 | $40.00 | 3/5/2010 5:07:34 PM |
| dollar-birdie | $25.00 | $25.00 | 3/5/2010 5:05:26 PM |
| dmfog | $25.00 | $25.00 | 3/5/2010 5:05:53 PM |
| LALO79 | $25.00 | $25.00 | 3/5/2010 5:06:07 PM |
| RugbyNick2126 | $25.00 | $25.00 | 3/5/2010 5:06:41 PM |
| xstreamin | $25.00 | $25.00 | 3/5/2010 4:59:34 PM |
| Avala | $50.00 | $50.00 | 3/5/2010 5:00:02 PM |
| gavinfh | $25.00 | $25.00 | 3/5/2010 5:00:29 PM |
| cash-merry-maker | $25.00 | $25.00 | 3/5/2010 5:07:44 PM |
| wise-handy-finance | $25.00 | $25.00 | 3/5/2010 5:00:50 PM |
| flexible-value | $26.00 | $26.00 | 3/5/2010 5:01:00 PM |
| delicious-social132 | $25.00 | $25.00 | 3/5/2010 5:01:18 PM |
| success1001 | $50.00 | $50.00 | 3/5/2010 5:01:44 PM |
| Big_Baller | $25.00 | $14.60 | 3/5/2010 5:10:31 PM |
| bondhedger | $25.00 | $25.00 | 3/5/2010 5:20:52 PM |
| honorable-yield | $50.00 | $50.00 | 3/5/2010 5:03:18 PM |
| helping-out | $25.00 | $25.00 | 3/5/2010 5:03:30 PM |
| newest-famous-loan | $25.00 | $25.00 | 3/5/2010 5:04:17 PM |
| jrbill1998 | $50.00 | $50.00 | 3/5/2010 5:05:20 PM |
| hope-spinner | $25.00 | $25.00 | 3/5/2010 5:05:34 PM |
| investment-oasis | $25.00 | $25.00 | 3/5/2010 5:06:13 PM |
| kindness-percolator5 | $25.00 | $25.00 | 3/5/2010 5:06:22 PM |
| martinnc | $25.00 | $25.00 | 3/5/2010 5:06:34 PM |
| currency-zenith | $50.00 | $50.00 | 3/5/2010 5:07:15 PM |
| marwadi-62 | $100.00 | $100.00 | 3/5/2010 6:16:32 PM |
| loan-master996 | $35.89 | $35.89 | 3/5/2010 5:09:59 PM |
| GarciaCompany | $25.00 | $25.00 | 3/6/2010 1:16:51 PM |
| HealthAndSafety | $50.00 | $50.00 | 3/6/2010 1:29:52 PM |
| selector568 | $500.00 | $500.00 | 3/7/2010 11:17:45 AM |
| webfeet | $25.00 | $25.00 | 3/8/2010 9:56:40 AM |
| 76 bids
|