Sales Report:Supplement No. 166 dated Mar 31, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 315608
This series of Notes was issued and sold upon the funding of the borrower loan #41602, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 21.99% Starting borrower rate/APR: 22.99% / 25.27% Starting monthly payment: $77.41
Final lender yield: 7.98% Final borrower rate/APR: 8.98% / 11.07% Final monthly payment: $63.58
 
Auction yield range: 4.04% - 21.99% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 5.86%  
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-1994 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 12Length of status:6y 8m
Credit score: 740-759 (Mar-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $21,110Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cardelt Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate High Interest CC
Purpose of loan:
The purpose of this loan is to consolidate a high interest credit card that was at 4.99% until recent credit changes which resulted in APR going to a ridiculous 22.99%.? I started interest rate at the same as the card, but am hoping that it gets bid down significantly to be able to reduce total APR I am paying. ?

My financial situation:
Personally as you can see I believe in paying on time and have never even had a late payment.? Have a credit score of 750 which puts me just short of AA rating I believe.? For work I do real estate investment and currently have 2 finished projects, one which is on the market and another which is getting staged and should be on MLS before the end of the month.? With the sale of 1 or both properties will have even more available to pay back prosper lenders.

As you can see from?my history i strongly believe in having a high credit score and you can feel confident bidding on my listing.? Thanks for all your?consideration!!?

(last year averaged $9250/mo, but i pay myself a salary and put rest in a biz account)

Monthly Income: $5375

Monthly Expenses: $2190
Mortgage: $800
Insurance: $100 (health)
Car expenses: $200 (insurance & gas)
Utilities: $100
Internet: $40
Food & Entertainment: $300
Household expenses: $50
Credit Cards: $500
Other: $100

$ left to pay prosper loan: $3185

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: If you have over $3k left at the end of each month why are you trying to get a 42k loan if all you need to do is save your money for less than a month? Please answer publicly. - agreement-bunny
A: I had questions asking the same exact thing so I will answer both simultaneously. There are several reasons I am going this route even though I could just pay this amount from extra income if I choose to. I have been a prosper lender for over 3 years, but wanted to try out the borrowing side. Also even though I have extra income on top of monthly minimum expenses, I pay over $1000 extra towards personal and business credit lines, as well as miscellaneous expenses from this amount. (Mar-27-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jwood3030$35.00$35.003/22/2010 4:35:37 PM
the-problem-solver$100.00$100.003/25/2010 1:54:59 PM
JerryB96$25.00$25.003/25/2010 3:29:17 PM
BankofBeth$25.00$25.003/25/2010 5:59:45 PM
GoGators01$25.00$25.003/26/2010 1:28:19 PM
cromley$30.00$30.003/26/2010 11:35:39 AM
TheWainer$25.00$25.003/26/2010 5:06:15 PM
pumped130$25.00$25.003/26/2010 9:18:27 PM
crw1950$50.00$50.003/27/2010 5:47:30 AM
eloop$25.00$25.003/27/2010 5:50:37 AM
thrilling-nickel5$25.00$25.003/27/2010 6:10:04 AM
Castelj$47.00$47.003/27/2010 7:27:40 AM
wise382$25.01$25.013/27/2010 9:56:20 AM
lucabratsie$25.00$25.003/27/2010 2:32:20 PM
REITRUST$25.00$25.003/27/2010 3:47:57 PM
gjm6d$25.00$25.003/28/2010 9:55:28 AM
mattblizz$25.00$25.003/27/2010 10:38:16 PM
mchoops21$25.00$25.003/28/2010 3:26:56 PM
llequire1$70.12$20.823/29/2010 7:47:34 AM
dhallii$50.00$50.003/29/2010 10:07:08 AM
Jtothe3$25.00$25.003/29/2010 10:25:46 AM
eastindianprince$25.00$25.003/29/2010 12:08:37 PM
methodical-capital7$25.00$25.003/29/2010 11:37:45 AM
captainzero$52.78$52.783/29/2010 11:50:33 AM
abu-dhabi$50.00$50.003/29/2010 1:51:29 PM
dreamhope$25.00$25.003/29/2010 12:07:56 PM
catalystcf$25.00$25.003/29/2010 12:14:20 PM
MN_Lender$25.00$25.003/29/2010 3:02:08 PM
gothampark$25.00$25.003/29/2010 1:40:01 PM
johnpmid$25.00$25.003/29/2010 2:20:26 PM
bullwink27$25.00$25.003/29/2010 3:30:14 PM
beachfunder$25.00$25.003/24/2010 5:17:47 PM
mobius_titan$25.00$25.003/24/2010 7:01:04 PM
quiggles$25.00$25.003/25/2010 7:24:09 AM
selector568$38.54$38.543/25/2010 9:58:27 AM
payontime1$50.00$50.003/25/2010 9:38:46 PM
bdr0011$25.00$25.003/26/2010 3:48:54 PM
BipedalHominid$25.00$25.003/26/2010 4:40:48 PM
northern_paddler$25.00$25.003/26/2010 8:57:23 PM
kccameo$25.00$25.003/26/2010 10:22:32 PM
Isaac007$25.00$25.003/27/2010 4:36:51 AM
truth-trapper$25.00$25.003/27/2010 12:17:09 AM
Tabster$25.00$25.003/27/2010 7:26:00 AM
filovirus$25.00$25.003/27/2010 7:38:58 PM
Aridus$30.00$30.003/28/2010 10:19:51 PM
dpries123$25.00$25.003/29/2010 7:02:52 AM
sjvicker$25.00$25.003/29/2010 8:38:32 AM
Leopoldine$25.37$25.373/29/2010 11:06:18 AM
mlpinz$85.48$85.483/29/2010 11:06:32 AM
1SteelerFan$35.00$35.003/29/2010 12:06:16 PM
WillingToHelpOut$25.00$25.003/29/2010 12:08:03 PM
steady-bazaar$25.00$25.003/29/2010 2:11:16 PM
mhotchan$150.00$150.003/29/2010 2:33:29 PM
favorite-commerce$25.00$25.003/29/2010 2:44:02 PM
XCWIZ007$50.00$50.003/29/2010 3:48:32 PM
wild-orange$25.00$25.003/29/2010 1:55:32 PM
AsianDragon$50.00$50.003/29/2010 1:57:39 PM
porwestco$25.00$25.003/29/2010 3:01:53 PM
dano1965$25.00$25.003/29/2010 3:06:51 PM
wwwUniversal$25.00$25.003/29/2010 3:52:55 PM
60 bids
 
Borrower Payment Dependent Notes Series 431498
This series of Notes was issued and sold upon the funding of the borrower loan #41516, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 21.50% Starting borrower rate/APR: 22.50% / 24.77% Starting monthly payment: $384.50
Final lender yield: 21.50% Final borrower rate/APR: 22.50% / 24.77% Final monthly payment: $384.50
 
Auction yield range: 8.04% - 21.50% Estimated loss impact: 9.01%  
Lender servicing fee: 1.00% Estimated return: 12.49%  
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-2001 Debt/Income ratio: 17%
Basic (1-10): 4 Inquiries last 6m: 10Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 7Length of status:3y 2m
Credit score: 760-779 (Mar-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $144Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: branaa99 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 0 ( 0% ) 760-779 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 0  
Description
Home Improvement & Misc exp
Purpose of loan:
This loan will be used to pay some small repairs (like doors, touch up paint & some tile work)? for my new home i bought recently and use some portion of if to pay my wife's next Semester Tuition and student expenses as well.

My financial situation:
I am a good candidate for this loan because i have always paid my debt obligations on time and never delinquent on any of my accounts ever.?? Being a prosper lender i realize the importance of credit and financial responsibilities and will never let you down.? My credit card company has raised my interest rate from 7.99% to 14.99% recently.? I could have opt'ed out but then they'll close my account, which will negatively affect my credit score.? So I decided not to take any money from the credit card.

My wife is doing PhD in Chemistry and she is preparing to start her research work by next fall which will be funded by state government/university.?Then there wont be any tuition/student expense from my pocket.??

I'm planning to pay this loan within next 2 years (from tax refunds).

Monthly Income: $5200 (After taxes & 401k )

Total Expenses $4700
Mortgage: 2000
Utilities: 350?
phone : 50
Grocery : 600
Car, Insurance & Gas :800
Prosper :400 (future payment)
Entertainment : 200
Savings/emergency/Medical fund: 300

Even after all the expenses & savings i still have about $500 for other expenditures.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
inismor$25.00$25.003/18/2010 4:26:30 PM
robot777$40.00$40.003/18/2010 4:30:51 PM
loan_doctor$25.00$25.003/18/2010 4:29:28 PM
caseattle$25.00$25.003/18/2010 4:33:55 PM
heroic-hope5$25.00$25.003/18/2010 4:42:32 PM
reflective-rupee$100.00$100.003/18/2010 8:24:26 PM
foothillender$25.00$25.003/19/2010 7:52:02 AM
heerzaquestion$50.00$50.003/21/2010 5:24:18 AM
brondero$55.00$55.003/21/2010 4:25:06 AM
brondero$60.00$60.003/22/2010 4:35:17 PM
tntmojave$25.00$25.003/22/2010 5:30:11 PM
reflective-rupee$1,000.00$1,000.003/22/2010 8:20:50 PM
mercuriant$25.00$25.003/22/2010 8:44:12 PM
brilliant-balance$25.00$25.003/23/2010 8:37:50 AM
113121$25.00$25.003/23/2010 10:12:31 AM
brondero$60.00$60.003/23/2010 5:01:23 PM
SolarMoonshine$25.00$25.003/23/2010 6:06:33 PM
chato2345$50.00$50.003/23/2010 6:45:05 PM
VAGweilo$43.99$43.993/24/2010 10:57:29 AM
revenue-channel8$200.00$200.003/24/2010 12:52:49 PM
well-mannered-income3$100.00$100.003/24/2010 5:33:01 PM
YoungTaxMan$500.00$500.003/24/2010 7:56:04 PM
best-generosity-financier$25.00$25.003/24/2010 11:49:07 PM
rick4734$30.00$30.003/24/2010 10:09:12 PM
Leshan$100.00$100.003/25/2010 7:01:06 AM
dancingeagle$148.00$148.003/25/2010 7:41:26 AM
payout-mongoose$66.80$66.803/25/2010 7:45:05 AM
ore-dojo$50.00$50.003/25/2010 9:10:35 AM
dynrep$25.00$25.003/25/2010 9:15:15 AM
reflective-rupee$200.00$200.003/25/2010 9:24:39 AM
fair_rates$25.00$25.003/25/2010 9:34:24 AM
loan-fate$25.00$25.003/25/2010 10:06:27 AM
ore-dojo$50.00$50.003/25/2010 9:10:21 AM
pietro_torna_indietro$25.00$25.003/25/2010 10:44:42 AM
YoungTaxMan$600.00$600.003/25/2010 9:58:37 AM
scholarly-dollar$25.00$25.003/25/2010 11:26:33 AM
rajs$250.00$250.003/25/2010 12:08:57 PM
investment-tempo$25.00$25.003/25/2010 11:59:18 AM
value-rocket$25.00$25.003/25/2010 12:43:12 PM
friendinmoney$25.00$25.003/25/2010 3:05:19 PM
SlickNick$25.00$25.003/25/2010 12:59:11 PM
credit-missile$200.00$200.003/25/2010 1:06:15 PM
FarmersBank$25.00$25.003/25/2010 1:57:59 PM
vdubbora$50.00$50.003/25/2010 3:05:21 PM
payout-comet$25.00$25.003/25/2010 3:56:27 PM
exchange-cowbell5$100.00$100.003/25/2010 3:52:47 PM
brightest-dignified-penny$25.00$25.003/25/2010 4:04:11 PM
exciting-fairness$200.00$200.003/25/2010 4:21:16 PM
YoungTaxMan$75.00$75.003/18/2010 4:29:12 PM
impressive-loan$292.42$292.423/18/2010 4:37:50 PM
FinDoc$25.00$25.003/18/2010 4:54:50 PM
reflective-rupee$100.00$100.003/18/2010 5:31:39 PM
reflective-rupee$100.00$100.003/18/2010 8:24:09 PM
reflective-rupee$100.00$100.003/18/2010 8:23:35 PM
reflective-rupee$100.00$100.003/18/2010 8:24:42 PM
the-money-gargantuan$25.00$25.003/19/2010 12:58:55 PM
3am-preacher$25.00$25.003/19/2010 4:15:27 PM
cognizant-rate732$27.55$27.553/19/2010 6:22:33 PM
brondero$115.00$115.003/19/2010 7:08:34 PM
ptjg$50.00$50.003/20/2010 1:52:18 PM
Sol_Invictus$25.00$25.003/21/2010 6:06:48 AM
jgar_O$25.00$25.003/21/2010 12:00:15 PM
Top_Gun_Lender$26.00$26.003/21/2010 5:34:21 PM
sociallender$25.00$25.003/22/2010 8:04:18 AM
deal-pinnacle7$100.00$100.003/22/2010 8:32:16 PM
371millwood$200.00$200.003/22/2010 8:40:41 PM
brondero$130.00$130.003/22/2010 8:12:01 PM
benefit-javelin$25.00$25.003/23/2010 9:57:00 AM
elegant-loot$25.00$25.003/24/2010 11:05:18 AM
tnjohnso$25.00$25.003/24/2010 11:06:34 AM
payment-freshmaker$25.00$25.003/24/2010 11:10:38 AM
bobby51$25.00$25.003/24/2010 12:50:29 PM
reflective-rupee$500.00$500.003/24/2010 12:12:48 PM
best-generosity-financier$25.00$25.003/24/2010 5:43:30 PM
dadobank$26.18$26.183/24/2010 10:13:20 PM
reflective-rupee$500.00$500.003/24/2010 10:23:14 PM
silvercertificate$25.00$25.003/25/2010 8:57:39 AM
reflective-rupee$1,000.00$1,000.003/25/2010 9:10:15 AM
reflective-rupee$500.00$500.003/25/2010 9:24:26 AM
stockpiler079$25.00$25.003/25/2010 10:15:40 AM
Pilotaceh$25.00$25.003/25/2010 10:36:28 AM
Bank_Of_XL$100.00$100.003/25/2010 9:40:17 AM
Kash2010lu$35.00$35.003/25/2010 11:47:09 AM
nimble-revenue$33.46$33.463/25/2010 12:25:39 PM
113121$125.00$125.003/25/2010 12:53:54 PM
rajs$102.77$102.773/25/2010 11:16:57 AM
Your_Bank$25.00$25.003/25/2010 1:52:23 PM
shrewd-income$100.00$100.003/25/2010 2:07:22 PM
beakerfish$199.90$57.833/25/2010 12:30:08 PM
Ven58$25.00$25.003/25/2010 3:07:40 PM
credit-missile$50.00$50.003/25/2010 1:07:53 PM
Bob450$50.00$50.003/25/2010 3:37:52 PM
d_grbg$25.00$25.003/25/2010 3:45:56 PM
integrity-builder$50.00$50.003/25/2010 3:29:26 PM
wwwUniversal$25.00$25.003/25/2010 3:51:28 PM
95 bids
 
Borrower Payment Dependent Notes Series 450348
This series of Notes was issued and sold upon the funding of the borrower loan #41596, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Mar-15-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $180.94
 
Auction yield range: 17.04% - 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: Jun-1991 Debt/Income ratio: 3%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:8y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 1 Revolving credit balance: $451Stated income:$50,000-$74,999
Amount delinquent: $100 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bonus-bopbop-a-loobop Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Screen Porch
Purpose of loan:
This loan will be used to cover a portion of the cost to construct a screen porch and widen my drive way by 2ft. The total cost of the project is $13,000. Here are the details of the project pour a 12ft x 28ft concrete pad with footer Install a 12ft x 22ft white aluminum screen porch with 20/20 screen with a studio roof system, rain gutter with down spouts. The screen room will have two doors, two ceiling fans and two 120 volt connivance outlets. The front driveway will be widened by 2? this will require a 2ft x 16ft x 4in pad to be poured.
My financial situation:
I am a good candidate for this loan because? My monthly income is 5,160.00. ?I have a very low debt to income ratio. I only have two debts one is the monthly mortgage $1,103 and the other is $23 a month payment to Dell for a laptop that I financed to help establish some history, I owe 423.00 on that account. I have worked for same stable company for eight years. I have two accounts past due, this is a cell phone bill. One bill is for roaming changes for the Dominican Republic with calls to England. I contacted the cell phone company when I received the bill because I never been to the Dominican Republic and don?t know anyone in England. Well to make a long story short they claim that I was in the Dominican Republic and made calls to England. I have tried everything that I could to do resolve this issue but they will not admit to the mistake and insist that I owe them for these charges. To add injury to insult they put me on collection for early termination fee for closeting the account before contract ended.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, Just a quick question, What do you do for a living? In your credit profile (home ownership) is No, yet you have a mortgage pymt. You may want to contact Prosper and get that corrected. Thanks, Steve - DasMula
A: The reason that it does not show home ownership is because I just bought my home two months ago and it is not yet on my report. I work at a marine liquid terminal where we offload ships that contained refined petroleum products (Gasoline, diesel) and some chemicals into tanks that are eventually loaded on trucks and railcars I?m the operations manager for the terminal. I have been in petro chemical industry since I graduated from collage. (Mar-20-2010)
Q: What is your monthly NET income please. And see my page. thank you - Tono
A: Thanks For Your Question My net pay is 3872 a month. My expenses are ? Mortgage is $1103.00 Included tax and insurance ? $230 for unities ? $200 For gasoline ? $400 for food ? $120. For cable and internet ? $23 payment to dell ? $ 250 Clothing and entrainment ? $68.00 cell phone. ? 128.00 Car insurance (Mar-20-2010)
Q: Thanks for the net income figure. Now for the second part: my page should suggest showing a grand total figure for monthly expenses (approx), so some of us lazy lenders don't have to do your arithmetic for you. Protect us bidders, get your loan. - Tono
A: Thanks for question, my total monthly expense is around $2,522 give are take a few. When you subtract my monthly income that?s about $1,382.00 extra every month. At this point it doesn?t look like I?m going to be funded anyway so my wife will just have to wait a few months for her screen porch. I would like to say thanks to all the bidders that actually committed to loaning me money. (Mar-21-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
SeeksValue$50.00$50.003/15/2010 6:35:43 PM
Bob450$25.00$25.003/15/2010 8:14:41 PM
DasMula$500.00$500.003/20/2010 9:53:29 AM
DasMula$500.00$500.003/20/2010 9:54:15 AM
lucrative-loan$31.07$31.073/20/2010 8:27:21 PM
Peterman$37.74$37.743/21/2010 8:23:29 AM
best-generosity-financier$25.00$25.003/21/2010 4:25:57 PM
point-mastery$50.00$50.003/22/2010 6:21:02 AM
red-favorable-basis$25.00$25.003/22/2010 8:32:26 AM
dano1965$25.00$25.003/22/2010 9:48:37 AM
reflective-rupee$500.00$500.003/22/2010 10:20:52 AM
lucrative-loan$68.93$68.933/22/2010 10:58:54 AM
new-smart-fund$30.34$30.343/22/2010 11:10:02 AM
micko$25.00$25.003/22/2010 11:14:10 AM
tcbmc$25.00$25.003/22/2010 11:53:54 AM
golffish2$100.00$100.003/22/2010 11:49:15 AM
innovator2$53.50$53.503/22/2010 12:21:28 PM
systematic-loan$100.00$100.003/22/2010 1:24:04 PM
Bobusa$25.00$25.003/22/2010 1:13:39 PM
upbeat-wealth$25.00$25.003/22/2010 1:27:12 PM
wild-orange$25.00$25.003/22/2010 2:35:24 PM
money-encourager$37.30$37.303/22/2010 3:34:47 PM
realtormoises$25.00$25.003/22/2010 3:35:06 PM
Bill88$30.00$30.003/22/2010 2:40:21 PM
Rogelio48$25.00$25.003/22/2010 3:25:33 PM
DasMula$500.00$500.003/20/2010 9:53:46 AM
tjone69$50.00$50.003/21/2010 12:27:03 PM
Bob450$25.00$25.003/21/2010 12:53:03 PM
Zipcut$43.77$43.773/22/2010 8:23:53 AM
Lubava$40.00$40.003/22/2010 5:02:47 AM
ORcowboy$2,200.00$546.423/22/2010 6:05:09 AM
dynrep$100.00$100.003/22/2010 9:07:14 AM
FarmersBank$25.00$25.003/22/2010 6:32:33 AM
Your_Bank$25.00$25.003/22/2010 12:24:52 PM
Astyanax$30.00$30.003/22/2010 12:40:12 PM
NekHoldings$25.00$25.003/22/2010 1:20:06 PM
LEO_B$25.00$25.003/22/2010 3:07:44 PM
aquistoyraul$25.00$25.003/22/2010 4:01:44 PM
Rip128$100.00$100.003/22/2010 2:59:24 PM
helping-out$50.93$50.933/22/2010 4:05:11 PM
Tono$25.00$25.003/22/2010 4:06:55 PM
41 bids
 
Borrower Payment Dependent Notes Series 450868
This series of Notes was issued and sold upon the funding of the borrower loan #41614, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $111.92
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $111.63
 
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: Mar-1992 Debt/Income ratio: 41%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 14Length of status:8y 9m
Credit score: 700-719 (Mar-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $33,611Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: g-wall Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 700-719 (Latest)
Principal borrowed: $22,000.00< mo. late: 0 ( 0% )  
740-759 (Jul-2008)
 
Principal balance: $11,997.76 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
wedding 2nd in 7 months
Purpose of loan:
This loan will be used to?pay?the last installment on my daugther's wedding. I had both of my daugther's get married within 7 months Oct 2009? and May 2010.??? My financial situation:
I am a good candidate for this loan because? I work for a casino and they are strict with people who have good creidt as you advance in the industry.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Clambake$50.00$50.003/17/2010 10:17:53 AM
macjp123$25.00$25.003/17/2010 10:17:35 AM
personal-lender$25.00$25.003/17/2010 10:19:20 AM
inspired-contract9$25.00$25.003/17/2010 10:21:34 AM
bonus-adventure3$25.00$25.003/17/2010 10:21:56 AM
integrity-doctor$50.00$50.003/17/2010 10:26:54 AM
flexible-value$26.00$26.003/17/2010 10:25:19 AM
successful-euro$50.00$50.003/17/2010 10:26:10 AM
important-ore$50.00$50.003/17/2010 10:32:42 AM
scrappy-bonus2$25.00$25.003/17/2010 10:29:52 AM
happy-asset$25.00$25.003/17/2010 10:37:40 AM
unforgettable-order9$100.00$100.003/17/2010 10:37:54 AM
GElender$50.00$50.003/17/2010 10:44:04 AM
chestnut4$25.00$25.003/17/2010 10:44:39 AM
rapid-credit428$25.00$25.003/17/2010 2:52:37 PM
skuba$25.00$25.003/18/2010 8:02:25 AM
HHP$25.00$25.003/18/2010 8:44:40 AM
desertoasis$50.00$50.003/18/2010 10:07:44 AM
KandKLegacyInvestments$25.00$25.003/18/2010 12:46:51 PM
kanakakm$25.00$25.003/18/2010 6:03:36 PM
studious-bonus7$50.00$50.003/19/2010 5:11:30 AM
SanCarlos$100.00$100.003/19/2010 6:22:26 AM
don8ter$25.00$25.003/19/2010 7:47:29 AM
irrelevant$25.00$25.003/19/2010 6:17:24 PM
gulch$25.00$25.003/19/2010 7:42:41 PM
Binan$25.00$25.003/20/2010 4:47:15 AM
cathexis$25.10$25.103/20/2010 10:45:08 AM
brazilofmux$29.61$29.613/20/2010 10:58:26 AM
Tahoeguy$50.00$50.003/20/2010 11:32:25 AM
gnuey$25.00$25.003/20/2010 2:17:35 PM
mmckune$25.00$25.003/21/2010 7:11:12 AM
Nishana$25.00$25.003/21/2010 8:47:49 AM
rescue$250.00$250.003/21/2010 7:48:48 AM
aasx1108$25.00$25.003/21/2010 2:52:41 PM
TCR3$25.00$25.003/21/2010 9:12:19 PM
payogie$25.00$25.003/22/2010 9:35:55 AM
chicco$56.00$56.003/22/2010 10:12:01 AM
reinforced-deal8$50.00$50.003/22/2010 10:57:57 AM
350DGRZ$25.00$25.003/22/2010 11:16:20 AM
averagefore$25.00$25.003/22/2010 11:11:42 AM
Skyminor$40.00$40.003/22/2010 11:15:54 AM
thevogelfamily$25.00$25.003/22/2010 12:13:17 PM
micko$25.00$25.003/22/2010 12:33:29 PM
Unclejohn$35.00$4.893/22/2010 12:37:52 PM
webfeet$25.00$25.003/23/2010 5:56:02 AM
dpries123$25.00$25.003/23/2010 9:50:29 AM
tomjac2000$25.00$25.003/23/2010 6:04:36 PM
JerryB96$25.00$25.003/24/2010 5:19:12 AM
torion$25.00$25.003/17/2010 10:18:15 AM
Avala$50.00$50.003/17/2010 10:18:39 AM
delicious-social132$25.00$25.003/17/2010 10:19:41 AM
mg6619$25.00$25.003/17/2010 10:20:07 AM
sharp-bill2$40.00$40.003/17/2010 10:21:06 AM
fightinjoe$25.00$25.003/17/2010 10:20:49 AM
tenacious-compassion9$25.00$25.003/17/2010 10:26:27 AM
Streetfighter$50.00$50.003/17/2010 10:36:34 AM
AF-Chief$28.00$28.003/17/2010 10:29:10 AM
HedgeFund$40.00$40.003/17/2010 11:12:44 AM
ddog0224$25.00$25.003/17/2010 2:14:14 PM
marilyn7$25.00$25.003/18/2010 8:12:32 AM
sumac5$150.00$150.003/18/2010 9:33:14 AM
supreme-hope$25.00$25.003/18/2010 11:34:41 AM
bchen78875$25.00$25.003/18/2010 1:25:29 PM
the-profit-oracle$25.00$25.003/18/2010 2:34:50 PM
MissionMicroFinance$25.00$25.003/19/2010 6:18:47 AM
KeyS80$50.00$50.003/19/2010 12:21:13 PM
exchange-fountain$25.00$25.003/19/2010 1:00:30 PM
mikeandcat$50.00$50.003/19/2010 6:17:20 PM
aurorafinancial$50.00$50.003/20/2010 7:57:54 AM
visionary-currency$49.78$49.783/20/2010 8:58:11 AM
CA_Lender$25.00$25.003/20/2010 4:11:48 PM
figs4u2$100.00$100.003/21/2010 7:12:09 AM
commitment-farm$25.00$25.003/21/2010 8:04:34 AM
aldenrains$25.00$25.003/21/2010 7:54:33 AM
responsibility-mulberry$25.00$25.003/21/2010 2:52:25 PM
harmonious-revenue7$50.00$50.003/21/2010 5:52:27 PM
integrity-broker$25.00$25.003/21/2010 7:27:27 PM
awm$25.00$25.003/22/2010 4:07:34 AM
honorable-yield$50.00$50.003/22/2010 9:25:30 AM
versatile-platinum4$25.00$25.003/22/2010 9:32:49 AM
hrubinst$25.00$25.003/22/2010 9:43:17 AM
Musicman1950$25.00$25.003/22/2010 10:23:32 AM
gecko68$25.00$25.003/22/2010 10:04:01 AM
ronow22$25.00$25.003/22/2010 10:29:17 AM
pawnshopman$25.00$25.003/22/2010 10:28:50 AM
akahoss$25.00$25.003/22/2010 10:29:33 AM
a-finance-nirvana$25.00$25.003/22/2010 10:57:42 AM
ciccio70$25.00$25.003/22/2010 10:58:41 AM
responsible-investment0$50.00$50.003/22/2010 10:58:58 AM
jstnow$25.00$25.003/22/2010 11:12:00 AM
debt-system880$25.00$25.003/22/2010 11:29:25 AM
hopethisworks$35.62$35.623/22/2010 11:58:55 AM
PalmerTheEmbalmer$25.00$25.003/22/2010 4:56:20 PM
heerzaquestion$25.00$25.003/22/2010 6:13:59 PM
Memphis-King$50.00$50.003/24/2010 9:57:26 AM
95 bids
 
Borrower Payment Dependent Notes Series 451082
This series of Notes was issued and sold upon the funding of the borrower loan #41556, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,100.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Mar-19-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.51% Starting monthly payment: $43.16
Final lender yield: 23.00% Final borrower rate/APR: 24.00% / 27.51% Final monthly payment: $43.16
 
Auction yield range: 8.04% - 23.00% Estimated loss impact: 7.04%  
Lender servicing fee: 1.00% Estimated return: 15.96%  
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: Oct-1984 Debt/Income ratio: 34%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 15Length of status:1y 1m
Credit score: 660-679 (Feb-2010) Total credit lines: 31 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $242,108Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: plentiful-leverage2 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
First step on the road to debt free
Purpose of Loan: After losing my job in 2008, I found a new job in 2009 and have been working getting my finances in shape and paying off my debt. For those of you who have gone through a job loss, it really wakes you up to reality. I have a long way to go, but I am actively working to create a balanced monthly budget, fund an emergency fund, and pay down some of the debt each month. This is a relatively small loan, but it will allow me to consolidate some very high interest debts with a three year payoff that I will be easy to make each month.

My Financial Situation: After starting my new job in 2009 I have focused on getting my finances in order. It is hard work, but it really feels good to finally be making progress. I had over-extended myself, and now is the time to make things right.

In addition to my full time job, I have started my own business to provide a second income to use to pay down my debt. Beginning in March 2009 I have a new contract that will pay me $1000 per month for the next several years. This is in addition to my full time job, and the extra income will be used to pay down debt, including this Prosper loan.

I have some other opportunities that I am looking at for additional income as well. My goal is to work hard to pay down debt and start enjoying life more again.
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: Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, in exactly how many months do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A: My goal is to repay it in between 24 and 36 months. I intend to pay off all credit card debts first and completely zero those out while making the monthly payments on the Prosper loan. It will depend on how much additional income I am able to earn from my business. I would say that it is more likely that I will use all 36 months to pay this off. (Mar-21-2010)
Q: Earlier you gave different times on when you'd be able to pay this loan off, which time frame is more likely that you'll have this loan paid off? PS: Again, please answer publicly. - hektek22
A: hektek22 - thanks for asking. I am most likely to pay this off in the 36 months provided. (Mar-23-2010)
Q: Revolving credit balance:$242,108 - what was this used for? - EretzCapital
A: $125,000 is for a home equilty loan that is currently at 2.5% interest. The rest is auto, college, and credit card debt that I am aggressively paying down. Most of it built up over the years and a job loss escalated the debt. (Mar-25-2010)
Q: How much of it is CC and what rates are you paying on them? - EretzCapital
A: Approximately $105K is CC/balance transfer. Most of the CC debt was created by using the balance transfer checks to pay off other debts, not actual CC use. The highest rate is 25%, the lowest 8%. I have been working with all banks to get lower rates / better payment terms. (Mar-25-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
suomynona$25.00$25.003/19/2010 6:22:16 PM
hektek22$25.00$25.003/20/2010 3:21:42 AM
Moneypenny6$25.00$25.003/21/2010 1:53:45 PM
kindness-percolator5$25.00$25.003/22/2010 8:59:27 AM
umfan123$25.00$25.003/23/2010 7:10:04 AM
tnjohnso$25.00$25.003/24/2010 11:06:37 AM
euphoria8$26.97$26.973/24/2010 11:28:33 AM
Taz-Man-IIWIS$25.00$25.003/24/2010 5:33:05 PM
YoungTaxMan$50.00$50.003/24/2010 8:08:49 PM
elegant-loot$25.00$25.003/24/2010 7:58:51 PM
periko$50.00$50.003/25/2010 9:39:55 AM
EretzCapital$50.00$50.003/25/2010 2:36:22 PM
loss-of-control$25.00$25.003/25/2010 6:04:19 PM
gothampark$25.00$25.003/25/2010 7:00:07 PM
Bob450$25.00$25.003/19/2010 7:56:07 PM
CashMoney2009$25.00$25.003/24/2010 8:24:16 AM
solin003$28.95$28.953/24/2010 7:04:06 PM
three-for-6$212.86$212.863/24/2010 6:32:45 PM
Bob450$25.00$25.003/24/2010 7:52:01 PM
mercuriant$25.00$25.003/25/2010 4:09:11 AM
buffalobills$25.00$25.003/24/2010 8:00:56 PM
new-peso-concerto$25.00$25.003/25/2010 6:28:21 AM
dynrep$25.00$25.003/25/2010 6:35:06 AM
Bank_Of_XL$100.00$100.003/25/2010 9:40:41 AM
LAKETIME$25.00$25.003/25/2010 10:09:55 AM
csak13$25.00$25.003/25/2010 5:53:28 PM
order-brigade$25.00$25.003/25/2010 5:06:42 PM
semi0tical$25.00$25.003/25/2010 6:39:49 PM
duty-monger$50.00$50.003/25/2010 7:10:05 PM
tidy-dime$35.00$6.223/25/2010 8:20:48 PM
30 bids
 
Borrower Payment Dependent Notes Series 451214
This series of Notes was issued and sold upon the funding of the borrower loan #41541, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $129.07
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $127.57
 
Auction yield range: 4.04% - 9.00% 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-1987 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:5y 9m
Credit score: 760-779 (Mar-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 0 Revolving credit balance: $20,655Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: GTO69 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
Gotta Pay the IRS
Purpose of loan:
This loan will be used to pay income taxes due to the IRS on my 2009 personal tax return.? I own 10% of a Limited Liability Company (LLC).? The good news is the company made a record profit of $200,000 for 2009 (my part is $20,000).? The bad news is the company uses the accrual basis of accounting, which means I owe taxes on my 10% of the profits even though the company has not collected this money from its clients yet, and has therefore not paid the money to me.? I don't have access to the company's books and wasn't aware of this record profit until I received my K-1 form two weeks ago.? I have $5,000 in savings but owe $8,200 on my tax return.? I have a line of credit that I could tap into for the balance at a rate of 10%, but I like the Prosper concept and would like to support it if I can get the same or better rate.? I currently have money out to 2 Prosper borrowers, and by borrowing money myself I will?then have experience?from both sides.? I have already made changes to my withholdings and requested quarterly reports from the LLC so I won't be in this position again next year.?

My financial situation:
I have a credit history dating back to 1987 without a single missed or late payment ever.? My credit score has been lower than my normal score the past couple of years because of a higher debt ratio than I normally carry, but it is still respectable.? I promised my two kids that if they made good grades and went to college, I would buy them cars their senior year in high school.? They both met the challenge, so I stood behind my word and bought them new cars in 2008 and 2009.? My wife also works full time so we are able to easily make the 2?car payments.? I have always been proud of my good credit rating, and do not intend to mess it up now.? These are challening times for us financially, and I have never had to borrow money to pay taxes before, but with this one-time loan we can get through it and see blue skys again for the future.? Thanks for your consideration, whether you bid on my loan or not.? Either way, I commend you for supporting Prosper, especially in light of the behavior of the major banks in recent years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$27.00$27.003/22/2010 4:21:03 PM
kenji4861$25.00$25.003/22/2010 4:20:44 PM
HHP$25.00$25.003/22/2010 4:21:10 PM
KandKLegacyInvestments$25.00$25.003/22/2010 4:24:46 PM
torion$25.00$25.003/22/2010 4:30:50 PM
skuba$50.00$50.003/22/2010 4:29:07 PM
lendersf$95.00$95.003/22/2010 4:31:59 PM
delicious-social132$40.00$40.003/22/2010 4:30:31 PM
Avala$50.00$50.003/22/2010 4:31:10 PM
ddog0224$25.00$25.003/22/2010 4:36:44 PM
AFairDeal$25.00$25.003/22/2010 4:33:24 PM
skvat$25.00$25.003/22/2010 4:39:39 PM
transparency-halo$25.00$25.003/22/2010 4:40:17 PM
lender987654321$25.00$25.003/22/2010 4:34:30 PM
exchange-fountain$25.00$25.003/22/2010 4:40:40 PM
unforgettable-order9$100.00$100.003/22/2010 4:35:09 PM
Rivervale_Westwood$25.00$25.003/22/2010 4:39:57 PM
don8ter$25.00$25.003/22/2010 4:40:07 PM
MarinLoans$25.00$25.003/22/2010 4:36:37 PM
goodguy2000$25.00$25.003/22/2010 4:40:52 PM
kchen486$25.00$25.003/22/2010 4:37:30 PM
contract-lotus$25.00$25.003/22/2010 4:38:00 PM
grampy48$25.00$25.003/22/2010 4:42:24 PM
authentic-diversification$25.00$25.003/22/2010 4:45:42 PM
studious-bonus7$50.00$50.003/22/2010 4:39:48 PM
Railbird$25.00$25.003/22/2010 4:47:28 PM
chicco$56.00$56.003/22/2010 4:48:00 PM
payment-gusto$25.00$25.003/22/2010 4:40:48 PM
desertoasis$25.00$25.003/22/2010 4:42:11 PM
trade-cello$25.00$25.003/22/2010 4:47:22 PM
spenrod$50.00$50.003/22/2010 4:47:52 PM
hrubinst$25.00$25.003/22/2010 4:47:38 PM
rajs$250.00$250.003/23/2010 6:51:33 AM
dontscrewmeover1$25.00$25.003/23/2010 6:28:37 PM
lucabratsie$25.00$25.003/24/2010 8:19:57 PM
JDLanier$25.00$25.003/25/2010 5:36:28 PM
XCWIZ007$25.00$25.003/25/2010 7:22:11 PM
exchange-squirrel$25.00$25.003/26/2010 4:16:38 PM
felicity-loyalist0$50.00$50.003/26/2010 4:38:10 PM
truth-trapper$50.00$50.003/27/2010 12:18:51 AM
PalmerTheEmbalmer$25.00$25.003/27/2010 9:34:38 PM
RIVERHTS$50.00$50.003/28/2010 1:12:20 PM
the-profit-oracle$25.00$25.003/28/2010 8:59:35 PM
bornsucka$25.00$25.003/29/2010 11:35:48 AM
grampy48$25.00$25.003/29/2010 12:41:09 PM
csrwizard$25.00$25.003/29/2010 1:27:59 PM
bullwink27$25.00$25.003/29/2010 3:39:37 PM
inspired-contract9$50.00$50.003/22/2010 4:26:28 PM
satisfying-durability$25.00$25.003/22/2010 4:26:44 PM
credit-force5$25.00$25.003/22/2010 4:31:23 PM
bonus-adventure3$25.00$25.003/22/2010 4:31:53 PM
Clambake$50.00$50.003/22/2010 4:30:41 PM
fightinjoe$25.00$25.003/22/2010 4:29:14 PM
personal-lender$25.00$25.003/22/2010 4:31:37 PM
bigballer105$50.00$50.003/22/2010 4:33:16 PM
successful-euro$75.00$75.003/22/2010 4:33:35 PM
loan-warrior$25.00$25.003/22/2010 4:36:10 PM
TakeCare$50.00$50.003/22/2010 4:35:45 PM
integrity-doctor$50.00$50.003/22/2010 4:33:51 PM
HedgeFund$40.00$40.003/22/2010 4:36:22 PM
restless-currency$25.00$25.003/22/2010 4:34:05 PM
chestnut4$25.00$25.003/22/2010 4:35:56 PM
radforj22$25.00$25.003/22/2010 4:42:18 PM
aldenrains$25.00$25.003/22/2010 4:45:35 PM
aurorafinancial$50.00$50.003/22/2010 4:42:35 PM
pawnshopman$25.00$25.003/22/2010 4:48:22 PM
important-ore$50.00$50.003/22/2010 4:45:01 PM
credit-magician$25.00$25.003/22/2010 4:49:37 PM
rescue$500.00$500.003/22/2010 4:45:12 PM
RandyL3$33.00$33.003/22/2010 4:45:26 PM
fishtale$25.00$25.003/22/2010 4:50:01 PM
responsibility-mulberry$25.00$25.003/22/2010 4:46:03 PM
harmonious-revenue7$50.00$50.003/22/2010 4:46:38 PM
gain-seagull9$25.00$25.003/22/2010 4:46:56 PM
versatile-platinum4$25.00$25.003/22/2010 4:47:09 PM
bold-careful-finance$25.00$25.003/22/2010 4:47:18 PM
aasx1108$25.00$25.003/22/2010 4:46:10 PM
responsible-investment0$50.00$50.003/22/2010 4:49:43 PM
lend_to_you$25.00$25.003/22/2010 4:49:50 PM
brewman$25.00$13.303/22/2010 4:50:13 PM
thrilling-nickel5$35.00$35.003/24/2010 4:54:54 PM
selector568$25.00$25.003/26/2010 6:08:32 AM
generous-deal6$40.70$40.703/26/2010 1:24:28 AM
suburbanman64$35.00$35.003/26/2010 5:37:43 PM
khamlagirl$25.00$25.003/26/2010 6:48:51 PM
vutah$25.00$25.003/26/2010 9:00:35 PM
1SteelerFan$30.00$30.003/27/2010 10:36:11 AM
SOBRO-FINANCE$25.00$25.003/27/2010 10:53:26 AM
AsianDragon$100.00$100.003/27/2010 10:18:47 PM
heerzaquestion$25.00$25.003/28/2010 6:16:49 AM
mojii77$30.00$30.003/28/2010 12:39:56 PM
JerryB96$25.00$25.003/28/2010 7:22:51 PM
steady-dime$25.00$25.003/29/2010 7:27:39 AM
joshmiao$25.00$25.003/29/2010 9:55:14 AM
nickel-master$25.00$25.003/29/2010 11:08:52 AM
jybank$25.00$25.003/29/2010 11:14:07 AM
methodical-capital7$25.00$25.003/29/2010 11:39:28 AM
octoberfresh$25.00$25.003/29/2010 12:05:24 PM
details$50.00$50.003/29/2010 1:37:50 PM
wwwUniversal$25.00$25.003/29/2010 3:52:02 PM
100 bids
 
Borrower Payment Dependent Notes Series 451220
This series of Notes was issued and sold upon the funding of the borrower loan #41538, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,800.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $126.66
Final lender yield: 22.65% Final borrower rate/APR: 23.65% / 25.94% Final monthly payment: $109.34
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.02%  
Lender servicing fee: 1.00% Estimated return: 7.63%  
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: May-1984 Debt/Income ratio: 8%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:23y 11m
Credit score: 640-659 (Mar-2010) Total credit lines: 26 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $2,258Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: mrnorske Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $10,500.00< mo. late: 0 ( 0% )  
640-659 (Sep-2009)
660-679 (May-2008)
640-659 (Apr-2008)
720-739 (Nov-2007)
 
Principal balance: $1,579.07 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Pay off Debt
Purpose of loan:
This loan will be used to pay debts we owe.

My financial situation:
I am a good candidate for this loan because I have a full time job that I've been at for over 22 years. I have had previous prosper loans that I have paid off on time or early. We've had some financial difficulties this past year, but we are paying our debts and will continue to do so. We got in trouble last year because my wife's mother was very sick. In April 2009?she was given 6 months to live. My wife drove a 60 mile round trip each day to take care of her mom who was sent home on Hospice. Her mom passed away on January 5th this year. We had to purchase a car for my wife so she could get back and forth to her mom's house, so our insurance also went up and gas expenses went up.? We'd like to use this money to pay off her car and catch up on other bills. I would like to note that her mother left her house and land to my wife and her two sisters. We will be selling it in a few months so we'll have that extra money to pay down debt also, but we need a small amount right now to make our cushion just a bit bigger.

Monthly net income: $? 2,800.00

Monthly expenses: $
??Housing: $ 967.00
??Insurance: $ 246.00
??Car expenses: $ 78.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 120.00?
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
JustMee$25.00$25.003/22/2010 6:19:14 PM
Unitas4302$226.16$226.163/23/2010 8:48:02 AM
marwadi-62$300.00$300.003/26/2010 12:30:48 PM
jhouman$25.00$25.003/26/2010 4:04:39 PM
jhouman$25.00$25.003/26/2010 10:08:15 PM
BankofBeth$25.00$25.003/27/2010 9:14:04 AM
eboomer2611$25.00$25.003/28/2010 7:23:15 AM
farblest$50.00$50.003/28/2010 12:33:43 PM
CA_Lender$25.00$25.003/29/2010 12:35:27 AM
FinanceEngine$25.00$25.003/29/2010 10:05:35 AM
pietro_torna_indietro$36.38$36.383/29/2010 12:47:12 PM
ultimate-peace$425.00$222.643/29/2010 4:10:37 PM
myutmost$40.00$40.003/22/2010 7:03:10 PM
jhouman$25.00$25.003/24/2010 9:34:02 PM
Aberdeen$350.00$350.003/25/2010 6:34:29 AM
Aberdeen$350.00$350.003/25/2010 6:34:27 AM
twjh$25.00$25.003/26/2010 6:03:02 AM
Gandalf0001$36.22$36.223/26/2010 7:27:22 PM
MoneyForNothing$25.00$25.003/26/2010 7:44:17 PM
truth-trapper$25.00$25.003/27/2010 12:22:39 AM
khamlagirl$25.00$25.003/27/2010 9:33:57 AM
five-star-note$100.00$100.003/27/2010 12:12:04 PM
seadogs$25.00$25.003/28/2010 10:05:11 AM
amor1962$25.00$25.003/28/2010 10:18:51 AM
hektek22$300.00$300.003/28/2010 8:39:18 AM
Boston005$25.76$25.763/28/2010 8:21:52 PM
myduck$50.00$50.003/29/2010 3:45:08 PM
wild-orange$25.00$25.003/29/2010 1:52:57 PM
MPdeez$125.39$125.393/29/2010 4:12:35 PM
allbalooboy2$125.00$125.003/29/2010 4:13:30 PM
heerzaquestion$25.00$25.003/29/2010 4:17:44 PM
integrity-builder$35.00$35.003/29/2010 4:15:28 PM
kinetic-social$27.45$27.453/29/2010 4:19:13 PM
33 bids
 
Borrower Payment Dependent Notes Series 451364
This series of Notes was issued and sold upon the funding of the borrower loan #41605, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
Final lender yield: 29.00% Final borrower rate/APR: 30.00% / 32.38% Final monthly payment: $127.35
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 34%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:8y 4m
Credit score: 660-679 (Mar-2010) Total credit lines: 19 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $6,125Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: chicago33 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
600-619 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 9  
Description
Paying my credit cards off for good
Purpose of loan:
This loan will be used to?
To pay off my credit cards. I would like to have one easy monthly payment. I would be taking?4 monthly payments, and making it into one lower payment. It will be very helpful for my goal to become debt free! My credit card debt came from saving towards a down payment for my house. My wife has decided to pay half of my credit card debt, and I will be using my profit sharing check at the end of the year to pay those funds back. Then I will use my prosper funds to pay the other half. I have full intentions on paying my prosper loan back early, like?I did on my previous loan.
My financial situation:
I am a good candidate for this loan because?
I'am always on time with my payments, and I do care about my credit. I just bought a house in September 2009, and I'm trying to become debt free. I also had a prosper loan in the past and paid it off ahead time. I also get a profit sharing check between 2,000-3,000 every year which will be used towards my prosper loan. I'am very hard working, trustworthy person. I know prosper has my listing at high risk, but that is not the case. As you can see I have a great payment history, and will not let you down. I will be well worth your investment. Thank you for your consideration.
Monthly net income: $ 2,000-2,500
Monthly expenses: $ 700-750
??Housing: $ 500
??Insurance: $ 65
??Car expenses: $ no car payment
??Utilities: $?75
??Phone, cable, internet: $50
??Food, entertainment:?My wife?pays most of this.
??Clothing, household expenses $?My wife pays for this.
??Credit cards and other loans: $ 6000.00 ( This is what will be paid?off with the prosper loan.)?(Monthly payments=$400 a month.)
??Other expenses: $ One personnel loan is $100 a month.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mjerryfirst$600.00$600.003/22/2010 11:40:45 PM
pietro_torna_indietro$38.56$38.563/23/2010 9:00:14 AM
SolarMoonshine$25.00$25.003/23/2010 6:02:23 PM
nodebt2012$25.00$25.003/24/2010 1:58:27 PM
eronyc$25.00$25.003/24/2010 4:47:24 PM
quicksilver70$25.00$25.003/24/2010 10:13:22 PM
bank-examiner$25.00$25.003/25/2010 5:37:22 AM
dcm6276$25.00$25.003/25/2010 9:10:17 AM
sturdy-peace9$75.00$75.003/25/2010 5:32:51 PM
SnL_Posh_Studios$38.19$38.193/25/2010 7:47:35 PM
boo_hoo$50.00$50.003/26/2010 6:41:49 PM
ag-ventures$25.00$25.003/26/2010 11:29:41 PM
truth-trapper$50.00$50.003/27/2010 12:25:05 AM
adventure0$50.00$50.003/27/2010 10:56:12 AM
Feyenoord$48.45$48.453/27/2010 9:40:15 PM
loss-of-control$50.00$0.863/27/2010 6:17:19 PM
eboomer2611$25.00$25.003/28/2010 7:24:12 AM
Your_Bank$25.00$25.003/28/2010 6:37:47 AM
J1mS$48.81$48.813/27/2010 11:34:28 PM
supreme-hope$25.00$25.003/28/2010 9:11:05 PM
Kash2010lu$25.00$25.003/28/2010 11:37:20 PM
ayiticheri$25.00$25.003/29/2010 4:52:00 AM
PotBellyPete$25.00$25.003/29/2010 7:59:30 AM
tdorren$25.20$25.203/29/2010 3:09:37 PM
five-star-note$136.84$136.843/29/2010 2:18:36 PM
Mikale360$25.00$25.003/29/2010 3:06:58 PM
reflective-rupee$25.00$25.003/29/2010 4:15:22 PM
ultimate-peace$600.00$600.003/29/2010 4:13:23 PM
preventivepestcontrol$75.00$75.003/29/2010 4:20:39 PM
new-peso-concerto$33.00$33.003/23/2010 11:32:04 AM
WeshaTheLeopard$25.00$25.003/24/2010 4:03:54 PM
plumber87$25.00$25.003/24/2010 11:01:06 PM
Mark-M$25.00$25.003/25/2010 6:42:08 PM
realtormoises$25.00$25.003/26/2010 4:27:31 PM
deepblue34$25.00$25.003/26/2010 6:33:50 PM
bigdees$30.00$30.003/27/2010 4:41:32 AM
chongngoc$50.00$50.003/27/2010 12:47:50 PM
Tono$25.00$25.003/27/2010 1:58:47 PM
kinetic-social$25.00$25.003/27/2010 2:47:35 PM
gjm6d$30.00$30.003/28/2010 10:09:00 AM
stevekc1$25.00$25.003/28/2010 2:17:16 PM
winger66$47.98$47.983/29/2010 4:07:32 AM
DaddyBill$25.00$25.003/29/2010 7:04:34 AM
credit-coach118$25.00$25.003/29/2010 8:27:59 AM
DasMula$25.00$25.003/29/2010 9:17:13 AM
dslobbs$37.11$37.113/29/2010 10:01:04 AM
wild-orange$25.00$25.003/29/2010 1:47:30 PM
mhotchan$200.00$200.003/29/2010 2:34:43 PM
bullwink27$25.00$25.003/29/2010 3:36:59 PM
icon7$35.00$35.003/29/2010 4:17:17 PM
50 bids
 
Borrower Payment Dependent Notes Series 451434
This series of Notes was issued and sold upon the funding of the borrower loan #41537, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Mar-26-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.21% Starting monthly payment: $45.25
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 23.03% Final monthly payment: $44.54
 
Auction yield range: 8.04% - 20.06% 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: Dec-1999 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:4y 4m
Credit score: 660-679 (Mar-2010) Total credit lines: 18 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $2,195Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Poolman62 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help Pay Off Title Loan Debt
Purpose of loan:
This loan will be used to pay off my credit card and a store charge account so that I can close them. By consolidating both payments into one, I will be able to put more money into my savings account, so I can eventually do my backyard landscaping. I also hope by paying off my credit cards that it will improve my credit score even more. I have been paying more than the minimum monthly payment on each every month, but my Capital One credit card interest rate is 29.9% and the Lowes store charge account is just a little less than that.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time.?I am a very hard worker and I would like to get out of?debt as soon as possible!? A divorce left my credit with a negative impact. Over the past two years, I've been striving to bring my credit back up. I appreciate your help.

Monthly net income: $3200

Monthly expenses: $2152
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Nerdster1$25.00$25.003/26/2010 4:21:59 PM
the-silver-blaster$40.00$40.003/26/2010 4:25:13 PM
studious-bonus7$50.00$50.003/26/2010 4:28:17 PM
Tazeme$25.00$25.003/26/2010 4:38:15 PM
vutah$25.00$25.003/26/2010 9:03:23 PM
interstellar$26.75$26.753/27/2010 11:12:54 PM
Finchy78$25.00$25.003/28/2010 8:45:29 AM
grammaspurse$25.00$25.003/29/2010 9:47:32 AM
pureliquidhw$25.00$25.003/29/2010 1:30:04 PM
crab-e-bill$25.00$25.003/29/2010 4:57:21 PM
AF-Chief$27.00$27.003/26/2010 4:20:07 PM
WHEREISTHEMOON$25.00$25.003/26/2010 4:21:26 PM
responsibility-mulberry$25.00$25.003/26/2010 4:28:29 PM
harmonious-revenue7$50.00$1.253/26/2010 4:28:32 PM
reliable-silver7$25.00$25.003/26/2010 4:24:25 PM
charming-point$300.00$300.003/26/2010 4:24:43 PM
aurorafinancial$50.00$50.003/26/2010 4:28:19 PM
cloud8$30.00$30.003/26/2010 4:35:37 PM
EngineersAlliance$75.00$75.003/26/2010 4:36:48 PM
ag-ventures$25.00$25.003/26/2010 11:48:15 PM
donenzo$25.00$25.003/27/2010 4:31:19 AM
Bank_Of_XL$50.00$50.003/27/2010 8:08:10 AM
IPG1$25.00$25.003/27/2010 9:07:55 PM
ttnk62918$25.00$25.003/28/2010 5:18:38 PM
admirable-loyalty$50.00$50.003/28/2010 7:23:23 PM
moo916$50.00$50.003/28/2010 9:52:36 PM
income-fortress$25.00$25.003/29/2010 6:13:06 AM
hevenanderth$50.00$50.003/29/2010 4:35:34 PM
Slimoro86$25.00$25.003/29/2010 5:56:35 PM
29 bids
 
Borrower Payment Dependent Notes Series 451550
This series of Notes was issued and sold upon the funding of the borrower loan #41553, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-23-2010 
  Auction end date:  Mar-27-2010 
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $389.35
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $388.33
 
Auction yield range: 4.04% - 9.38% 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: Dec-1997 Debt/Income ratio: 27%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 14Length of status:12y 10m
Credit score: 760-779 (Mar-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 0 Revolving credit balance: $28,513Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: smoqiedog Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to? pay off high interest credit cards. In the last year some of my cards have increased their interest rates way higher then they were when I first opened the accounts.

My financial situation:
I am a good candidate for this loan because? I have been with my current company for almost 13 years. I always pay my bills on time, usually early. I always pay more then the minimum requested. I am a veteran and have always been responsible when it comes to paying my bills.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$27.00$27.003/23/2010 3:49:40 PM
delicious-social132$25.00$25.003/23/2010 3:53:46 PM
bonus-adventure3$25.00$25.003/23/2010 3:54:22 PM
ddog0224$25.00$25.003/23/2010 3:56:29 PM
aurorafinancial$50.00$50.003/23/2010 3:59:00 PM
integrity-doctor$50.00$50.003/23/2010 3:54:58 PM
studious-bonus7$50.00$50.003/23/2010 3:57:55 PM
harmonious-revenue7$50.00$50.003/23/2010 4:00:12 PM
versatile-platinum4$25.00$25.003/23/2010 4:00:34 PM
desertoasis$50.00$50.003/23/2010 4:03:06 PM
responsible-investment0$50.00$50.003/23/2010 4:01:33 PM
exchange-fountain$25.00$25.003/23/2010 4:03:52 PM
responsibility-mulberry$25.00$25.003/23/2010 3:59:48 PM
economy-producer$25.00$25.003/23/2010 4:05:04 PM
r0b3m4n$25.00$25.003/23/2010 4:05:22 PM
hrubinst$25.00$25.003/23/2010 4:01:00 PM
maintenanceboss$25.00$25.003/23/2010 4:04:59 PM
Marathoner$25.00$25.003/23/2010 4:05:46 PM
BristolEnterprises$25.00$25.003/23/2010 4:03:58 PM
treasure-bliss$35.57$35.573/23/2010 4:04:47 PM
bxdoc$62.87$62.873/23/2010 4:56:33 PM
luckyldy$35.00$35.003/23/2010 4:56:42 PM
bonafide-cash$50.00$50.003/23/2010 4:56:46 PM
BlindJoeDeath$25.00$25.003/23/2010 4:56:50 PM
Panna$25.00$25.003/23/2010 4:05:17 PM
runner262$25.00$25.003/23/2010 4:57:05 PM
wise-handy-finance$25.00$25.003/23/2010 4:57:11 PM
bold-durability-drum$25.00$25.003/23/2010 4:57:18 PM
Tahoeguy$34.93$34.933/23/2010 4:54:56 PM
shingu79$25.84$25.843/23/2010 4:57:40 PM
value-pole$25.00$25.003/23/2010 4:57:48 PM
important-ore$50.00$50.003/23/2010 4:58:36 PM
Goodlender42$25.00$25.003/23/2010 4:56:41 PM
uwinwewin$25.00$25.003/23/2010 4:57:08 PM
nybanker85$25.00$25.003/23/2010 4:57:13 PM
cathexis$25.00$25.003/23/2010 4:57:21 PM
mg6619$25.00$25.003/23/2010 4:57:28 PM
lloyd_s$25.00$25.003/23/2010 4:57:34 PM
credit-kahuna$89.62$89.623/23/2010 4:57:39 PM
currency-shaker16$25.00$25.003/23/2010 5:37:29 PM
balance-whistle7$25.00$25.003/23/2010 4:57:52 PM
RandyL3$33.00$33.003/23/2010 4:58:34 PM
Vess$25.00$25.003/23/2010 5:58:59 PM
Snailslug$25.00$25.003/23/2010 5:02:57 PM
bigdogsafety1$25.00$25.003/23/2010 4:37:26 PM
radforj22$25.00$25.003/23/2010 4:56:37 PM
kbodendorf$25.00$25.003/23/2010 4:56:39 PM
lovelongandprosper$50.00$50.003/23/2010 4:57:07 PM
top-silver-american$25.00$25.003/23/2010 4:57:16 PM
supreme-hope$25.00$25.003/23/2010 4:57:27 PM
CROBRUN$50.00$50.003/23/2010 4:58:39 PM
Amanzidan$25.00$25.003/23/2010 7:21:06 PM
Featherbee$25.00$25.003/23/2010 5:22:08 PM
peace-maximizer8$25.00$25.003/23/2010 7:21:09 PM
chomper969$25.00$25.003/23/2010 7:21:02 PM
unforgettable-order9$25.00$25.003/24/2010 12:34:19 AM
Cheburashka$25.00$25.003/24/2010 1:09:12 AM
treasure-transporter$25.00$25.003/24/2010 5:23:11 AM
chekat$25.00$25.003/24/2010 3:58:37 AM
rate-fluffy-bunny$25.00$25.003/24/2010 4:49:01 AM
calilending$25.00$25.003/24/2010 5:58:35 AM
dollar-high-five$25.00$25.003/23/2010 11:33:00 PM
oldguybiker$25.00$25.003/24/2010 5:23:14 AM
shrewd-peace7$25.00$25.003/24/2010 5:58:47 AM
aldenrains$25.00$25.003/24/2010 12:34:05 AM
newyork6264$25.00$25.003/24/2010 3:49:40 AM
KeyS80$46.91$46.913/24/2010 7:38:13 AM
rock-turner$100.00$100.003/24/2010 8:59:05 AM
FairbairnSG$25.00$25.003/24/2010 9:02:55 AM
schnatty$25.49$25.493/24/2010 9:07:52 AM
Eric15378$76.73$76.733/24/2010 6:03:03 AM
ArmyGuy$25.00$25.003/24/2010 8:02:57 AM
Binan$25.00$25.003/24/2010 10:02:26 AM
littlemonkey$25.00$25.003/24/2010 10:05:14 AM
MasterJin$25.00$25.003/24/2010 10:41:32 AM
wampum-chorus3$25.00$25.003/24/2010 10:44:06 AM
well-rounded-market$25.00$25.003/24/2010 10:44:26 AM
fair-rate$25.00$25.003/24/2010 10:44:25 AM
boomer5$25.00$25.003/24/2010 10:44:29 AM
jojo6686$25.00$25.003/24/2010 10:44:37 AM
joudsa$25.00$25.003/24/2010 10:44:40 AM
riproaringrapids$25.00$25.003/24/2010 10:44:58 AM
chucke$25.00$25.003/24/2010 10:45:02 AM
lending_well$25.00$25.003/24/2010 10:45:08 AM
asset-equilibrium0$25.00$25.003/24/2010 10:45:25 AM
reward-adventure$25.00$25.003/24/2010 10:45:12 AM
Ranch88$25.00$25.003/24/2010 10:45:19 AM
peerlender$30.00$30.003/24/2010 10:46:56 AM
leverage-holly$25.00$25.003/24/2010 10:46:13 AM
lisaac29$25.00$25.003/24/2010 10:46:50 AM
jammers$25.00$25.003/24/2010 10:47:28 AM
billyraybob$25.00$25.003/24/2010 10:47:01 AM
mattemmo$25.00$25.003/24/2010 10:48:52 AM
KVEER$25.00$25.003/24/2010 10:48:23 AM
accord0$25.00$25.003/24/2010 10:48:50 AM
mac415$25.00$25.003/24/2010 10:48:57 AM
helpinghand63$49.35$49.353/24/2010 10:49:32 AM
Picopie$50.00$50.003/24/2010 10:49:39 AM
Dutchhunter$46.75$46.753/24/2010 10:49:45 AM
snappy$33.79$33.793/24/2010 10:49:38 AM
czar3$40.00$40.003/24/2010 10:50:00 AM
beyondmanagement$25.00$25.003/24/2010 10:50:40 AM
ticketman2$25.00$25.003/24/2010 10:51:07 AM
rudyindc$25.00$25.003/24/2010 10:52:04 AM
MoneyMA$25.00$25.003/24/2010 10:52:17 AM
jrbill1998$50.00$50.003/24/2010 10:52:36 AM
flopcat$25.00$25.003/24/2010 10:52:35 AM
lend_to_you$25.00$25.003/24/2010 10:52:43 AM
bold-careful-finance$25.00$25.003/24/2010 10:52:59 AM
redx$25.00$25.003/24/2010 10:52:49 AM
sophisticated-ore$107.21$107.213/24/2010 10:53:26 AM
HarleyBoy$25.00$25.003/24/2010 10:53:40 AM
mommyhelper$25.00$25.003/24/2010 10:53:22 AM
wampum-cocktail$25.00$25.003/24/2010 10:53:54 AM
loan-master996$50.00$50.003/24/2010 10:54:09 AM
calm-deal7$25.00$25.003/24/2010 10:55:21 AM
Big_Baller$25.00$25.003/24/2010 10:55:24 AM
Flanagan$25.00$25.003/24/2010 10:44:50 AM
dime-mad-scientist$25.00$25.003/24/2010 10:44:55 AM
reward-motion$25.00$25.003/24/2010 10:45:05 AM
richt2$25.00$25.003/24/2010 10:55:19 AM
hyetech$35.00$35.003/24/2010 10:46:48 AM
Pizza-man$50.00$50.003/24/2010 10:55:28 AM
elevated-platinum5$50.00$50.003/24/2010 10:47:04 AM
market-solstice2$25.00$25.003/24/2010 10:47:37 AM
KandKLegacyInvestments$25.00$25.003/24/2010 10:48:11 AM
mpatrick$25.00$25.003/24/2010 10:56:49 AM
note-sensation$25.00$25.003/24/2010 10:48:29 AM
cladius67$25.00$25.003/24/2010 10:48:54 AM
UT-Longhorn$25.00$25.003/24/2010 10:50:07 AM
LiquidLender$25.00$25.003/24/2010 10:50:47 AM
newgroom422$25.00$25.003/24/2010 11:02:01 AM
averagefore$25.00$25.003/24/2010 11:02:28 AM
Medic05$25.00$25.003/24/2010 10:51:59 AM
Fiimg$50.00$50.003/24/2010 11:02:46 AM
phredd$50.00$50.003/24/2010 11:01:36 AM
happy-asset$25.00$25.003/24/2010 11:02:49 AM
bonus-patriot$25.00$25.003/24/2010 10:52:07 AM
veverka$25.00$25.003/24/2010 10:52:10 AM
rate-gravity$100.00$100.003/24/2010 11:03:00 AM
funds-enlightenment4$25.00$25.003/24/2010 11:01:59 AM
awm$25.00$25.003/24/2010 10:52:53 AM
Lender0010$50.00$50.003/24/2010 10:52:58 AM
ronow22$25.00$25.003/24/2010 10:53:11 AM
nletunic$25.00$25.003/24/2010 11:02:52 AM
akahoss$25.00$25.003/24/2010 10:53:14 AM
NR$25.00$25.003/24/2010 10:53:18 AM
debt-system880$25.00$25.003/24/2010 10:53:27 AM
RSV$25.00$25.003/24/2010 10:53:48 AM
reflective-cash0$35.42$35.423/24/2010 10:53:57 AM
hampa$25.00$25.003/24/2010 11:04:29 AM
Musicman1950$25.00$25.003/24/2010 11:05:37 AM
sgmm330$25.00$25.003/24/2010 11:06:55 AM
museic1$50.00$50.003/24/2010 11:07:22 AM
best-deal-banker$25.00$25.003/24/2010 10:57:59 AM
slartibardfast$25.00$25.003/24/2010 11:08:10 AM
KrazyCelticKid$75.00$75.003/24/2010 10:59:40 AM
psztnrw$48.17$48.173/24/2010 11:11:51 AM
Rick7925$25.00$25.003/24/2010 11:12:03 AM
first-upright-payout$25.00$25.003/24/2010 11:12:22 AM
theprince$25.00$25.003/24/2010 11:11:55 AM
tucksta$25.00$25.003/24/2010 11:12:07 AM
ClearLake$25.00$25.003/24/2010 11:12:19 AM
vault893$50.00$50.003/24/2010 11:12:27 AM
dollar-birdie$25.00$25.003/24/2010 11:02:26 AM
bountiful-bazaar$25.00$25.003/24/2010 11:03:02 AM
reinforced-deal8$50.00$50.003/24/2010 11:04:35 AM
time4aloan$50.00$50.003/24/2010 11:05:02 AM
China0813$25.00$25.003/24/2010 11:05:11 AM
boater01$50.00$50.003/24/2010 11:07:12 AM
gnuey$25.00$25.003/24/2010 11:08:58 AM
wacko82$25.00$25.003/24/2010 11:10:55 AM
BigMoney56$25.00$25.003/24/2010 12:02:17 PM
tuffshorty$25.00$25.003/24/2010 1:03:58 PM
dontscrewmeover1$25.00$25.003/24/2010 6:01:59 PM
tisiphone$25.00$25.003/25/2010 11:28:01 AM
aganippe$25.00$25.003/26/2010 6:08:25 AM
webfeet$25.00$25.003/26/2010 9:09:14 AM
successful-euro$50.00$50.003/23/2010 3:54:51 PM
torion$25.00$25.003/23/2010 3:52:58 PM
Avala$50.00$50.003/23/2010 3:53:13 PM
personal-lender$25.00$25.003/23/2010 3:53:45 PM
jwood3030$35.00$35.003/23/2010 3:55:45 PM
fightinjoe$25.00$25.003/23/2010 3:54:08 PM
chestnut4$25.00$25.003/23/2010 3:55:53 PM
inspired-contract9$25.00$25.003/23/2010 3:54:14 PM
HedgeFund$40.00$40.003/23/2010 3:56:13 PM
HHP$25.00$25.003/23/2010 3:57:09 PM
Clambake$50.00$50.003/23/2010 3:52:55 PM
egw$25.00$25.003/23/2010 3:59:23 PM
CarDealer3070$25.00$25.003/23/2010 4:02:10 PM
goodbob$25.00$25.003/23/2010 4:04:08 PM
asset-professor$75.00$75.003/23/2010 4:02:12 PM
selector568$300.00$300.003/23/2010 3:59:10 PM
chicco$56.00$56.003/23/2010 4:01:05 PM
blackberry9$25.00$25.003/23/2010 4:05:41 PM
Havana21$50.00$50.003/23/2010 4:04:26 PM
jdrez$25.00$25.003/23/2010 4:56:31 PM
unassuming-reward$25.00$25.003/23/2010 4:56:36 PM
xstreamin$25.00$25.003/23/2010 4:56:44 PM
rhightower003$25.00$25.003/23/2010 4:05:11 PM
dmfog$25.00$25.003/23/2010 4:56:47 PM
kmr2$68.49$68.493/23/2010 4:56:52 PM
Aimvest$25.00$25.003/23/2010 4:57:00 PM
1phantom$25.00$25.003/23/2010 4:57:14 PM
progressive-asset$100.00$100.003/23/2010 4:57:19 PM
melodious-fairness$25.00$25.003/23/2010 4:57:35 PM
tallmon$25.00$25.003/23/2010 4:57:41 PM
windfall46$25.00$25.003/23/2010 4:58:43 PM
red-undaunted-kindness$77.39$77.393/23/2010 4:56:30 PM
moola-man$30.00$30.003/23/2010 4:56:35 PM
jigsaw$100.00$100.003/23/2010 4:56:49 PM
Speculator$39.31$39.313/23/2010 4:57:03 PM
gavinfh$25.00$25.003/23/2010 4:57:10 PM
Microfinancer$25.00$25.003/23/2010 4:57:17 PM
bowdish1$25.00$25.003/23/2010 4:57:24 PM
macjp123$25.00$25.003/23/2010 4:57:29 PM
orange-preeminant-bill$32.38$32.383/23/2010 4:57:36 PM
BuffetRocks$50.00$50.003/23/2010 4:57:45 PM
Third-Eye$25.00$25.003/23/2010 5:09:38 PM
tranquil-diversification8$25.00$25.003/23/2010 4:56:47 PM
fcukciti$35.78$35.783/23/2010 4:57:01 PM
hitsman$50.00$50.003/23/2010 4:57:12 PM
success1001$50.00$50.003/23/2010 4:57:20 PM
financialsteward123$25.00$25.003/23/2010 4:57:35 PM
a-finance-nirvana$25.00$25.003/23/2010 4:57:50 PM
Davidson2$50.00$50.003/23/2010 7:52:13 PM
MissionMicroFinance$25.00$25.003/23/2010 7:27:26 PM
j2ee$25.00$25.003/23/2010 5:37:13 PM
gethsemane4$25.00$25.003/23/2010 5:47:28 PM
flexible-return297$25.00$25.003/23/2010 5:49:54 PM
liberty-trophy$25.00$25.003/23/2010 7:37:16 PM
zymotico$25.00$25.003/23/2010 7:45:47 PM
ekdroom$25.00$25.003/23/2010 11:32:58 PM
rescue$250.00$250.003/24/2010 12:34:04 AM
rapid-credit428$25.00$25.003/24/2010 12:34:20 AM
PoliticinandNegotiatin$25.00$25.003/24/2010 12:09:11 AM
senorzookeeper$25.00$25.003/23/2010 9:32:41 PM
Captain88$25.00$25.003/24/2010 5:12:55 AM
diversification-medalist$25.00$25.003/23/2010 11:38:41 PM
marilyn7$25.00$25.003/24/2010 12:34:08 AM
ciccio70$25.00$25.003/24/2010 6:32:53 AM
tenacious-compassion9$25.00$25.003/24/2010 12:34:23 AM
aasx1108$25.00$25.003/24/2010 8:17:58 AM
ugapolsci$25.00$25.003/24/2010 8:58:50 AM
Rivervale_Westwood$25.00$25.003/24/2010 5:58:46 AM
kanakakm$25.00$25.003/24/2010 8:49:01 AM
MrGhost$25.00$25.003/24/2010 8:02:55 AM
BeemerRider$25.00$25.003/24/2010 10:05:04 AM
helping-out$25.00$25.003/24/2010 10:05:42 AM
equitable-camaraderi$25.00$25.003/24/2010 10:44:16 AM
saihu$25.00$25.003/24/2010 10:44:11 AM
inspired-agreement$25.00$25.003/24/2010 10:44:24 AM
peaceful-bid$25.00$25.003/24/2010 10:44:28 AM
bcdeMillers25$25.00$25.003/24/2010 10:44:38 AM
skunkor2$31.88$31.883/24/2010 10:44:54 AM
epicbuzz$25.00$25.003/24/2010 10:44:41 AM
Homeinvest$25.00$25.003/24/2010 10:45:00 AM
SqueezeKing$25.00$25.003/24/2010 10:45:03 AM
wealth-cloud$25.00$25.003/24/2010 10:45:07 AM
commitment-forte6$25.00$25.003/24/2010 10:45:10 AM
paymentologist$25.00$25.003/24/2010 10:45:16 AM
gjh37$25.00$25.003/24/2010 10:46:42 AM
rcc7$25.00$25.003/24/2010 10:46:34 AM
siesta100$25.00$25.003/24/2010 10:46:59 AM
inspired-finance$25.00$25.003/24/2010 10:47:34 AM
BzJ108$25.00$25.003/24/2010 10:47:06 AM
LeReve$214.18$214.183/24/2010 10:47:35 AM
currency-oak$25.00$25.003/24/2010 10:48:32 AM
plentiful-reward$48.32$48.323/24/2010 10:49:26 AM
bill-bearer$29.31$29.313/24/2010 10:48:56 AM
peripatetic$25.00$25.003/24/2010 10:50:08 AM
KBank$25.00$25.003/24/2010 10:41:18 AM
deal-tycoon$25.00$25.003/24/2010 10:50:58 AM
psturm$25.00$25.003/24/2010 10:41:21 AM
oaktown23$42.37$42.373/24/2010 10:51:33 AM
SpadeMike$50.00$50.003/24/2010 10:51:57 AM
DDHMoney$25.00$25.003/24/2010 10:52:41 AM
greenback-mover704$50.00$50.003/24/2010 10:52:51 AM
gecko68$25.00$25.003/24/2010 10:53:00 AM
sk8ndive$25.00$25.003/24/2010 10:53:25 AM
thestartuplender$35.00$35.003/24/2010 10:53:29 AM
jstnow$25.00$25.003/24/2010 10:53:50 AM
chapman18$25.00$25.003/24/2010 10:44:15 AM
Dglue2gether$25.00$25.003/24/2010 10:54:08 AM
foxy-fund$50.00$50.003/24/2010 10:55:23 AM
Erikdbp$25.00$25.003/24/2010 10:44:52 AM
technoo$38.36$38.363/24/2010 10:44:56 AM
bid-papyrus$25.00$25.003/24/2010 10:56:36 AM
supreme-bonus0$25.00$25.003/24/2010 10:45:22 AM
invest0r$25.00$25.003/24/2010 10:45:39 AM
Kaj$25.00$25.003/24/2010 10:55:25 AM
platinum-sorcerer6$25.00$25.003/24/2010 10:46:54 AM
basis-mammal$30.49$30.493/24/2010 10:47:32 AM
alexstar$25.00$25.003/24/2010 10:55:51 AM
natural-greenback6$25.00$25.003/24/2010 10:57:18 AM
money-maniac$50.00$50.003/24/2010 10:58:01 AM
nourishing-interest0$25.00$25.003/24/2010 11:00:05 AM
uprising35$25.00$25.003/24/2010 10:51:19 AM
the-money-gargantuan$25.00$25.003/24/2010 10:51:22 AM
b0b$25.00$25.003/24/2010 11:00:48 AM
awwaww$25.00$25.003/24/2010 10:51:44 AM
integrity-broker$25.00$25.003/24/2010 11:02:31 AM
JGB$25.00$25.003/24/2010 10:51:51 AM
kmfreymi$25.00$25.003/24/2010 11:02:48 AM
del30$25.00$25.003/24/2010 10:52:06 AM
figs4u2$100.00$100.003/24/2010 11:02:53 AM
Gabriel02$25.00$25.003/24/2010 10:52:08 AM
intelligent-yield$25.00$25.003/24/2010 11:02:56 AM
350DGRZ$25.00$25.003/24/2010 11:02:07 AM
dsfoundation$25.00$25.003/24/2010 11:02:20 AM
goodken$25.00$25.003/24/2010 10:52:39 AM
analogman$25.00$25.003/24/2010 10:52:48 AM
victorcab$35.00$35.003/24/2010 10:53:06 AM
Skyminor$40.00$40.003/24/2010 10:53:20 AM
sumac5$150.00$150.003/24/2010 11:04:19 AM
Citytrustbankerguy$25.00$25.003/24/2010 10:54:05 AM
Mostyle$25.00$25.003/24/2010 11:04:30 AM
gulch$25.00$25.003/24/2010 11:05:06 AM
pawnshopman$25.00$25.003/24/2010 11:05:08 AM
niskyfranchise$25.00$25.003/24/2010 10:55:26 AM
sammyhammy$25.00$25.003/24/2010 10:55:36 AM
yachtmaster45$25.00$25.003/24/2010 10:57:15 AM
rlecour$25.00$25.003/24/2010 11:06:56 AM
pujols8996$29.60$29.603/24/2010 11:08:21 AM
commitment-farm$25.00$25.003/24/2010 11:09:04 AM
SanCarlos$100.00$100.003/24/2010 11:09:29 AM
orgy63$25.00$25.003/24/2010 11:11:59 AM
incbx$25.00$25.003/24/2010 11:11:23 AM
impeccable-transparency$42.69$42.693/24/2010 11:12:11 AM
unrivaled-justice$25.00$25.003/24/2010 11:12:25 AM
forthright-dedication$50.00$50.003/24/2010 11:12:15 AM
peso-colonel$90.00$65.143/24/2010 11:12:28 AM
gametime34$33.10$33.103/24/2010 11:02:19 AM
RetiredATC$25.00$25.003/24/2010 11:02:51 AM
Streetfighter$50.00$50.003/24/2010 11:03:03 AM
inspiring-reward$150.00$150.003/24/2010 11:03:11 AM
ferdberfel$50.00$50.003/24/2010 11:22:19 AM
108lender$200.00$200.003/24/2010 11:12:13 AM
platinum-platoon$25.00$25.003/24/2010 12:02:18 PM
heng2x$25.00$25.003/24/2010 12:03:55 PM
Gladglide$26.56$26.563/24/2010 12:02:15 PM
Casper00$25.00$25.003/24/2010 12:02:19 PM
fair_rates$25.00$25.003/25/2010 9:34:28 AM
344 bids
 
Borrower Payment Dependent Notes Series 451682
This series of Notes was issued and sold upon the funding of the borrower loan #41513, 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:  Mar-24-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $161.70
 
Auction yield range: 11.04% - 26.38% 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: Jun-2004 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:9y 11m
Credit score: 640-659 (Mar-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,248Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jarhead80 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
600-619 (Jul-2008)
 
Principal balance: $1,477.52 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Debt consolidation
Purpose of loan:
This loan will be used to??pay off some credit cards and my other prosper loan?

My financial situation:
I am a good candidate for this loan because??I have a wonderful job and my work is steady and secure. I took out a prosper loan with 32% rate just too show my prosper investors that i wasn't a high risk:) but i want to pay that off along with some credit cards. My monthly income is $4320. Thank you.

Monthly expenses: $
??Housing: $?525
??Insurance: $ 115
??Car expenses: $ 75
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 143
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
wifibank$25.00$25.003/24/2010 9:28:33 AM
RebuildALife$25.00$25.003/24/2010 9:28:50 AM
KrazyCelticKid$31.29$31.293/24/2010 9:29:09 AM
Mailman2004$50.00$50.003/24/2010 9:29:11 AM
shrewd-deal$25.00$25.003/24/2010 9:29:15 AM
kmavm$25.00$25.003/24/2010 9:29:31 AM
pbo922$25.00$25.003/24/2010 9:29:57 AM
rapid-power2$25.00$25.003/24/2010 9:38:57 AM
HenryS$25.00$25.003/24/2010 9:39:57 AM
diversification-medalist$25.00$25.003/24/2010 9:30:36 AM
InChicago$25.00$25.003/24/2010 9:30:43 AM
robust-trade$25.00$25.003/24/2010 9:40:46 AM
investment-oasis$25.00$25.003/24/2010 9:41:16 AM
scrapbookwhole$25.00$25.003/24/2010 9:40:09 AM
junctionking$25.00$25.003/24/2010 9:40:18 AM
floridass$25.00$25.003/24/2010 9:40:40 AM
Craig_B$25.00$25.003/24/2010 9:28:26 AM
social-conductor4$25.00$25.003/24/2010 9:41:26 AM
seisen$54.60$54.603/24/2010 9:42:37 AM
helping-out$30.00$30.003/24/2010 9:42:41 AM
Kaj$25.00$25.003/24/2010 9:41:52 AM
versatile-platinum4$25.00$25.003/24/2010 9:28:51 AM
adama_48$25.00$25.003/24/2010 9:43:58 AM
purdue98$25.00$25.003/24/2010 9:29:04 AM
investment-tempo$25.00$25.003/24/2010 9:42:21 AM
pengoe$25.00$25.003/24/2010 9:29:20 AM
friendly-worth3$25.00$25.003/24/2010 9:43:00 AM
WarmWeather$25.00$25.003/24/2010 9:29:58 AM
nourishing-interest0$25.00$25.003/24/2010 9:43:56 AM
shrewd-peace7$25.00$25.003/24/2010 9:44:53 AM
ukstevenhawaii$50.00$50.003/24/2010 9:47:19 AM
Cai8899$30.00$30.003/24/2010 9:45:59 AM
fairhelper$25.00$25.003/24/2010 9:39:10 AM
chicagoman$25.00$25.003/24/2010 9:47:03 AM
webappersn$25.00$25.003/24/2010 9:40:11 AM
greenwell$25.00$25.003/24/2010 9:47:53 AM
rooosta$25.00$25.003/24/2010 9:49:21 AM
shawnw2$32.17$32.173/24/2010 9:42:11 AM
bowdish1$50.00$50.003/24/2010 9:42:33 AM
martinnc$25.00$25.003/24/2010 9:49:25 AM
dspmn$26.00$26.003/24/2010 9:44:00 AM
Lam0nt$25.00$25.003/24/2010 9:44:23 AM
Kerosene_Hat$25.00$25.003/24/2010 9:44:27 AM
Supernick$25.00$25.003/24/2010 9:44:31 AM
oldmora$50.00$50.003/24/2010 9:45:46 AM
deegeeman$50.00$50.003/24/2010 9:48:07 AM
magnolia161$25.00$25.003/24/2010 9:48:57 AM
irrelevant$25.00$25.003/24/2010 9:51:32 AM
charming-point$300.00$300.003/24/2010 12:47:16 PM
reflective-rupee$25.00$25.003/24/2010 2:00:45 PM
reflective-rupee$25.00$25.003/24/2010 2:00:33 PM
brilliant-balance$25.00$25.003/24/2010 7:22:38 PM
charitycoon$25.00$25.003/24/2010 9:16:48 PM
exchange-cowbell5$100.00$100.003/24/2010 10:38:29 PM
Socorro_Capital_Partners$25.00$25.003/25/2010 9:03:44 AM
mercuriant$25.00$25.003/25/2010 9:35:38 AM
kmr2$39.13$39.133/24/2010 9:28:49 AM
orange-courageous-dedication$28.58$28.583/24/2010 9:28:56 AM
Shepherd7$30.00$30.003/24/2010 9:28:59 AM
lovelongandprosper$50.00$50.003/24/2010 9:29:24 AM
deal-hickory5$25.00$25.003/24/2010 9:28:48 AM
delicious-social132$25.00$25.003/24/2010 9:29:08 AM
r0b3m4n$25.00$25.003/24/2010 9:29:48 AM
nowits10$25.00$25.003/24/2010 9:29:51 AM
CROBRUN$25.00$25.003/24/2010 9:30:20 AM
KHU2-B$25.00$25.003/24/2010 9:39:55 AM
Purposeful$50.00$50.003/24/2010 9:41:42 AM
AF-Chief$28.00$28.003/24/2010 9:41:54 AM
desertoasis$50.00$50.003/24/2010 9:40:16 AM
successful-euro$30.00$30.003/24/2010 9:41:59 AM
Phantom99$25.00$25.003/24/2010 9:40:44 AM
Judolu$25.00$25.003/24/2010 9:28:30 AM
GMOD026$25.00$25.003/24/2010 9:41:35 AM
zorg77$25.00$25.003/24/2010 9:28:43 AM
famous-bill$25.00$25.003/24/2010 9:28:47 AM
currency-oak$25.00$25.003/24/2010 9:44:01 AM
life-is-great$25.00$25.003/24/2010 9:29:07 AM
autonomous-truth$25.00$25.003/24/2010 9:44:35 AM
papaloha$47.06$47.063/24/2010 9:43:54 AM
Therapist$25.00$25.003/24/2010 9:44:36 AM
Amanzidan$25.00$25.003/24/2010 9:30:31 AM
momoney2lend$25.00$25.003/24/2010 9:44:59 AM
sympathetic-asset$25.00$25.003/24/2010 9:47:09 AM
nrowland$25.00$25.003/24/2010 9:47:32 AM
hope-equation$50.00$50.003/24/2010 9:46:05 AM
transaction-eclipse$25.00$25.003/24/2010 9:39:26 AM
personal-lender$25.00$25.003/24/2010 9:46:26 AM
listing-trapper3$50.00$50.003/24/2010 9:48:13 AM
KandKLegacyInvestments$25.00$25.003/24/2010 9:40:10 AM
asset-professor$35.00$35.003/24/2010 9:47:40 AM
skuba$25.00$25.003/24/2010 9:47:55 AM
inspiring-reward$150.00$150.003/24/2010 9:49:16 AM
Rattlehead$25.00$25.003/24/2010 9:48:22 AM
lloyd_s$25.00$25.003/24/2010 9:42:46 AM
joee$25.00$25.003/24/2010 9:49:06 AM
Zolton$200.00$200.003/24/2010 9:46:31 AM
elevated-platinum5$25.00$25.003/24/2010 9:46:42 AM
CarDealer3070$30.00$30.003/24/2010 9:47:01 AM
rhin0cerx$50.00$50.003/24/2010 9:47:39 AM
red-favorable-basis$25.00$25.003/24/2010 9:48:21 AM
cashonhand$25.00$25.003/24/2010 9:48:55 AM
Speculator$100.00$100.003/24/2010 9:49:04 AM
heatherwood$50.00$50.003/24/2010 9:49:20 AM
bountiful-bazaar$25.00$13.173/24/2010 9:49:29 AM
loan-fate$25.00$25.003/24/2010 10:09:55 AM
czar3$40.00$40.003/24/2010 11:53:25 AM
blackberry9$25.00$25.003/24/2010 12:32:44 PM
SolarMoonshine$25.00$25.003/24/2010 5:39:48 PM
JustMee$25.00$25.003/24/2010 7:40:09 PM
golffish2$100.00$100.003/25/2010 4:35:19 AM
foothillender$25.00$25.003/25/2010 6:41:21 AM
111 bids
 
Borrower Payment Dependent Notes Series 451728
This series of Notes was issued and sold upon the funding of the borrower loan #41620, 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:  Mar-26-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $161.70
 
Auction yield range: 11.04% - 26.38% 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: Dec-1992 Debt/Income ratio: 46%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:6y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 19 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,544Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cjlav Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 31 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
640-659 (Feb-2008)
680-699 (Apr-2007)
 
Principal balance: $1,807.90 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
Consolidation
Purpose of loan:
consolidation of debts listed below

My financial situation:
I have a long credit history, I have a 6 years at my current job.? Looking to consolidate the bills listed below.

My monthly budget:
Monthly Income:? $1800
Mortgage/rent: $0
Insurance: $55
Car expenses: $
Utilities: $
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses $
loan payments: $305
2 Bank of America $420
***Pay off 2 Capital ONe, and Credit union, new loan amount around $170, and roll in my current Prosper loan with this new loan.?
Other expenses: $
---------------------------------------

Total monthly expenses: $1240

This will actually lower my monthly payments, by combining my current Prosper loan and several other loans.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CC911$25.00$25.003/26/2010 4:13:28 PM
pfenness$37.92$37.923/26/2010 4:16:43 PM
johnayan$25.00$25.003/26/2010 4:17:34 PM
eronyc$25.00$25.003/26/2010 4:18:04 PM
wise-silver-wonder$25.00$25.003/26/2010 4:18:20 PM
newslang$25.00$25.003/26/2010 4:19:20 PM
p2ploan-lion$25.00$25.003/26/2010 4:19:26 PM
Sam65$25.00$25.003/26/2010 4:19:31 PM
Purposeful$50.00$50.003/26/2010 4:19:47 PM
successful-euro$30.00$30.003/26/2010 4:20:01 PM
noble-revenue$100.00$100.003/26/2010 4:20:33 PM
FeedTheMachine$200.00$200.003/26/2010 4:20:39 PM
gizzywump$25.00$25.003/26/2010 4:20:43 PM
yarg$25.00$25.003/26/2010 4:17:20 PM
enigmallc$25.00$25.003/26/2010 4:13:47 PM
Nerdster1$25.00$25.003/26/2010 4:22:40 PM
fostaman$25.00$25.003/26/2010 4:18:18 PM
upright-revenue7$50.00$50.003/26/2010 4:23:06 PM
ommcd$25.00$25.003/26/2010 4:15:34 PM
saffron4$50.00$50.003/26/2010 4:16:27 PM
ouyangers$25.00$25.003/26/2010 4:19:24 PM
bmarch$25.00$25.003/26/2010 4:19:27 PM
cash-tiramisu$111.28$111.283/26/2010 4:24:27 PM
oldmora$25.00$25.003/26/2010 4:19:41 PM
jstefans$25.00$25.003/26/2010 4:17:18 PM
CA_Lender$25.00$25.003/26/2010 4:17:23 PM
Learning2Lend$35.80$35.803/26/2010 4:20:49 PM
KiwiElf$25.00$25.003/26/2010 4:21:03 PM
GElender$25.00$25.003/26/2010 4:21:08 PM
iinsuru$25.00$25.003/26/2010 4:18:44 PM
wampum-proton$25.00$25.003/26/2010 4:19:14 PM
LBOregon$25.00$25.003/26/2010 4:19:43 PM
jlr613$25.00$25.003/26/2010 4:22:42 PM
selfmademan$25.00$25.003/26/2010 4:22:54 PM
seisen$50.00$50.003/26/2010 4:20:23 PM
mdf$37.54$37.543/26/2010 4:23:08 PM
KrazyCelticKid$25.00$25.003/26/2010 4:20:30 PM
KevinC_63366$25.00$25.003/26/2010 4:24:06 PM
Artist_Blue$25.00$25.003/26/2010 4:24:22 PM
rvfbroker$25.00$25.003/26/2010 4:26:49 PM
Aberdeen$350.00$350.003/26/2010 4:35:55 PM
irrelevant$25.00$25.003/26/2010 4:32:04 PM
Aberdeen$350.00$350.003/26/2010 4:36:42 PM
LoanerPrincipal$25.00$25.003/26/2010 11:29:03 PM
Bob450$50.00$50.003/26/2010 7:55:32 PM
UCLA4life$25.00$25.003/27/2010 3:58:18 PM
JustMee$25.00$25.003/27/2010 10:36:11 AM
jhouman$25.00$25.003/27/2010 7:09:07 PM
Dr_M$25.00$25.003/26/2010 4:13:51 PM
StarzRLimit$25.00$25.003/26/2010 4:14:54 PM
palpbert$25.00$25.003/26/2010 4:16:24 PM
kginatl$25.00$25.003/26/2010 4:16:35 PM
buphigam$25.00$25.003/26/2010 4:17:48 PM
TCayce$25.00$25.003/26/2010 4:18:24 PM
compsciman$50.00$50.003/26/2010 4:19:23 PM
cloud8$25.00$25.003/26/2010 4:13:55 PM
porkhelmet$25.00$25.003/26/2010 4:19:35 PM
Kaj$25.00$25.003/26/2010 4:19:49 PM
karpman3$50.00$50.003/26/2010 4:14:09 PM
AF-Chief$28.00$28.003/26/2010 4:19:58 PM
unassuming-reward$25.00$25.003/26/2010 4:14:41 PM
redbomb5$25.00$25.003/26/2010 4:15:14 PM
poeman$25.00$25.003/26/2010 4:20:52 PM
punctual-worth$25.00$25.003/26/2010 4:15:40 PM
money-vista$25.00$25.003/26/2010 4:16:25 PM
return-elm$25.00$25.003/26/2010 4:13:22 PM
social-conductor4$25.00$25.003/26/2010 4:17:29 PM
diverse2$25.00$25.003/26/2010 4:14:57 PM
WorldlyWorker$25.00$25.003/26/2010 4:15:42 PM
Emberfox$25.00$25.003/26/2010 4:16:12 PM
coin-investor$25.00$25.003/26/2010 4:18:59 PM
lending-bear$25.00$25.003/26/2010 4:19:08 PM
CaboWaboRobo$25.00$25.003/26/2010 4:16:31 PM
aFro$25.00$25.003/26/2010 4:19:22 PM
dinero-mason$50.00$50.003/26/2010 4:19:29 PM
screenname03$25.00$25.003/26/2010 4:19:32 PM
orange-astute-finance$25.00$25.003/26/2010 4:17:16 PM
mudaholic$25.00$25.003/26/2010 4:17:21 PM
flexible-value$25.00$25.003/26/2010 4:20:01 PM
108lender$75.00$75.003/26/2010 4:24:55 PM
inspiring-reward$150.00$150.003/26/2010 4:25:05 PM
natecam$25.00$25.003/26/2010 4:20:46 PM
ElAbel11$25.00$25.003/26/2010 4:18:55 PM
simplewareinc$50.00$50.003/26/2010 4:22:46 PM
KandKLegacyInvestments$25.00$25.003/26/2010 4:22:02 PM
asmithj$50.00$50.003/26/2010 4:25:23 PM
SpareChangeHero$25.00$25.003/26/2010 4:24:27 PM
WalnutCreekguy$25.00$25.003/26/2010 4:27:17 PM
Buffer10$100.00$94.463/26/2010 4:27:19 PM
reflective-rupee$50.00$50.003/26/2010 7:40:05 PM
UCLA4life$25.00$25.003/27/2010 3:58:07 PM
heerzaquestion$50.00$50.003/28/2010 6:14:50 AM
charitycoon$25.00$25.003/28/2010 8:48:06 PM
exchange-cowbell5$100.00$100.003/28/2010 7:42:34 PM
94 bids
 
Borrower Payment Dependent Notes Series 451748
This series of Notes was issued and sold upon the funding of the borrower loan #41608, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-24-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $258.74
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $245.76
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2000 Debt/Income ratio: 31%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 7Length of status:5y 8m
Credit score: 700-719 (Mar-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,474Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: open-value3 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off higher rate interest
Pay off higher interest rate credit cards

My financial situation:
My husband and I have plenty of money at the end of the month but we just want to consolidate all of our loans into one nice loan with a decent interest rate.? As you can see we pay about $550 a month in credit card payments and I have never been late or deliquent on any of them as you can see from my credit report.? If we were able to consolidate it all into one loan then our monthly payment would be lower than it is now.

Monthly net income: $
(my husband and I) 4100

Monthly expenses: $
??Housing: $?550?????
??Insurance: $ 110
??Car expenses: $ 350
??Utilities: $?-
??Phone, cable, internet: $ 120
??Food, entertainment: $ 700
??Clothing, household expenses $ 300
??Credit cards and other loans: $?550
??Other expenses: $ 100-500

Total net income 4100 minus our total expenses 3180 = 920 left at the end of the month.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
persistent-bazaar$25.00$25.003/24/2010 5:54:06 PM
skybolt4$25.00$25.003/24/2010 5:54:48 PM
demoseal$25.00$25.003/24/2010 5:55:58 PM
ryan23$25.00$25.003/24/2010 5:54:10 PM
purdue98$25.00$25.003/24/2010 5:56:08 PM
ImaPutz$25.00$25.003/24/2010 5:55:31 PM
Share_The_Wealth$36.12$36.123/24/2010 5:55:35 PM
love_what_you_do$25.00$25.003/24/2010 5:56:40 PM
leodaguy$25.00$25.003/24/2010 5:56:43 PM
chicagoman$25.00$25.003/24/2010 5:57:06 PM
piter-to-la-investment$25.00$25.003/24/2010 5:57:13 PM
poppinkid$25.00$25.003/24/2010 5:57:19 PM
golath24$25.00$25.003/24/2010 5:57:24 PM
Dubbs360$50.00$50.003/24/2010 5:57:28 PM
nourishing-interest0$25.00$25.003/24/2010 5:56:32 PM
tremendous-integrity$25.00$25.003/24/2010 5:56:52 PM
pengoe$25.00$25.003/24/2010 5:58:03 PM
orange-courageous-dedication$30.00$30.003/24/2010 5:56:59 PM
investment-tempo$25.00$25.003/24/2010 5:57:04 PM
Jonb6919$25.00$25.003/24/2010 5:57:26 PM
CarDealer3070$30.00$30.003/24/2010 5:58:38 PM
ukstevenhawaii$50.00$50.003/24/2010 5:58:42 PM
deegeeman$50.00$50.003/24/2010 5:58:55 PM
shrewd-deal$25.00$25.003/24/2010 5:58:02 PM
rooosta$25.00$25.003/24/2010 5:59:13 PM
hope-equation$50.00$50.003/24/2010 5:58:31 PM
natural-greenback6$25.00$25.003/24/2010 5:59:28 PM
rhin0cerx$50.00$50.003/24/2010 5:58:44 PM
supreme-hope$25.00$25.003/24/2010 5:59:31 PM
bnlforever$25.00$25.003/24/2010 5:59:35 PM
greatwhiteninja$25.00$25.003/24/2010 5:59:46 PM
asiaratt$100.00$100.003/24/2010 5:59:50 PM
nrowland$25.00$25.003/24/2010 5:59:56 PM
MoneyMA$25.00$25.003/24/2010 5:59:58 PM
87Marc$25.00$25.003/24/2010 5:54:00 PM
Streetfighter$25.00$25.003/24/2010 5:59:16 PM
trustu$25.00$25.003/24/2010 6:00:05 PM
wealthstar$25.00$25.003/24/2010 5:54:07 PM
calilending$25.00$25.003/24/2010 5:54:53 PM
desertoasis$25.00$25.003/24/2010 5:59:27 PM
626457$25.00$25.003/24/2010 5:55:06 PM
first-upright-payout$25.00$25.003/24/2010 5:59:38 PM
twirl2$25.00$25.003/24/2010 5:55:10 PM
Shepherd7$30.00$30.003/24/2010 5:59:48 PM
Yomain$40.00$40.003/24/2010 6:08:39 PM
compassion-lotus5$25.00$25.003/24/2010 5:55:22 PM
InvestorPartners$25.00$25.003/24/2010 6:00:00 PM
poeman$25.00$25.003/24/2010 6:00:04 PM
kmr2$200.00$200.003/24/2010 5:56:07 PM
delicious-social132$25.00$25.003/24/2010 5:56:10 PM
Kaj$25.00$25.003/24/2010 5:56:26 PM
BankME$25.00$25.003/24/2010 5:56:46 PM
aggresive-nickel2$25.00$25.003/24/2010 5:56:54 PM
LuvToLend$25.00$25.003/24/2010 5:56:56 PM
life-is-great$25.00$25.003/24/2010 5:57:03 PM
bountiful-bazaar$25.00$25.003/24/2010 5:57:11 PM
fareast_man$25.00$25.003/24/2010 5:57:16 PM
steves73$25.00$25.003/24/2010 5:57:29 PM
gizzywump$25.00$25.003/24/2010 5:57:59 PM
kmavm$25.00$25.003/24/2010 5:58:06 PM
delivery$25.00$25.003/24/2010 5:58:11 PM
momoney2lend$25.00$25.003/24/2010 5:58:23 PM
shrewd-peace7$25.00$25.003/24/2010 5:58:24 PM
personal-lender$25.00$25.003/24/2010 5:58:33 PM
skuba$25.00$25.003/24/2010 5:58:53 PM
Rattlehead$25.00$25.003/24/2010 5:58:59 PM
red_spade$26.00$26.003/24/2010 5:59:22 PM
brilliant-balance$25.00$25.003/24/2010 7:24:02 PM
burrito6$25.00$25.003/24/2010 5:59:29 PM
irrelevant$25.00$25.003/24/2010 5:59:33 PM
LoisLoan$25.00$25.003/24/2010 5:59:39 PM
visionary-currency$50.00$50.003/24/2010 5:59:44 PM
kmfreymi$25.00$25.003/24/2010 5:59:51 PM
irun$25.00$25.003/24/2010 6:00:03 PM
Interstate_Rate$250.00$21.763/24/2010 6:00:08 PM
JustMee$25.00$25.003/24/2010 7:44:38 PM
SFBank$200.00$200.003/24/2010 6:08:28 PM
Bob450$50.00$50.003/24/2010 8:31:29 PM
exchange-cowbell5$50.00$50.003/24/2010 10:39:18 PM
order-brigade$25.00$25.003/25/2010 5:04:52 PM
bazaar-pizza$100.00$100.003/25/2010 8:20:01 PM
trevize$25.00$25.003/25/2010 7:23:21 PM
DasMula$25.00$25.003/25/2010 11:41:54 PM
felicity-daydream$50.00$50.003/26/2010 8:13:05 AM
coin-investor$25.00$25.003/24/2010 5:54:19 PM
wise-courageous-social$25.00$25.003/24/2010 5:54:50 PM
ok$25.00$25.003/24/2010 5:55:36 PM
KandKLegacyInvestments$25.00$25.003/24/2010 5:54:03 PM
investment-oasis$25.00$25.003/24/2010 5:56:19 PM
Banker7371$25.00$25.003/24/2010 5:55:26 PM
Diamond_Jim$25.00$25.003/24/2010 5:55:52 PM
PaulHenry$25.00$25.003/24/2010 5:56:42 PM
KrazyCelticKid$50.00$50.003/24/2010 5:57:03 PM
heatherwood$50.00$50.003/24/2010 5:57:10 PM
oldmora$25.00$25.003/24/2010 5:56:21 PM
AF-Chief$28.00$28.003/24/2010 5:56:26 PM
papaloha$50.00$50.003/24/2010 5:56:31 PM
rks125$25.00$25.003/24/2010 5:56:47 PM
Craig_B$25.00$25.003/24/2010 5:57:52 PM
seisen$50.00$50.003/24/2010 5:56:50 PM
versatile-platinum4$25.00$25.003/24/2010 5:57:58 PM
deal-hickory5$25.00$25.003/24/2010 5:57:05 PM
Cai8899$30.00$30.003/24/2010 5:58:30 PM
asset-professor$35.00$35.003/24/2010 5:58:45 PM
red-favorable-basis$25.00$25.003/24/2010 5:58:58 PM
magnolia161$25.00$25.003/24/2010 5:59:10 PM
Supernick$25.00$25.003/24/2010 5:58:22 PM
martinnc$25.00$25.003/24/2010 5:59:14 PM
secobarbital$25.00$25.003/24/2010 5:58:29 PM
integrity-doctor$50.00$50.003/24/2010 5:59:21 PM
Zolton$200.00$200.003/24/2010 5:58:34 PM
brother_tam$50.00$50.003/24/2010 5:59:26 PM
Havana21$50.00$50.003/24/2010 5:59:34 PM
listing-trapper3$50.00$50.003/24/2010 5:58:56 PM
harmonious-revenue7$25.00$25.003/24/2010 5:59:40 PM
cashonhand$25.00$25.003/24/2010 5:59:49 PM
schlepper$25.00$25.003/24/2010 5:59:52 PM
shiny-dollar9$25.00$25.003/24/2010 6:00:03 PM
KramericaIndustries$25.00$25.003/24/2010 5:54:02 PM
WBB21$25.00$25.003/24/2010 6:00:07 PM
alex13$40.00$40.003/24/2010 5:54:36 PM
HHP$25.00$25.003/24/2010 5:59:29 PM
zippy-interest$25.00$25.003/24/2010 5:55:07 PM
steely_dan34$25.00$25.003/24/2010 5:59:42 PM
steamboatgal$25.00$25.003/24/2010 5:55:12 PM
intelligent-yield$25.00$25.003/24/2010 5:59:51 PM
WalnutCreekguy$25.00$25.003/24/2010 5:55:18 PM
helping-out$30.00$30.003/24/2010 5:59:55 PM
social-conductor4$25.00$25.003/24/2010 5:55:33 PM
cwswdh$25.00$25.003/24/2010 6:00:02 PM
balance-hercules$100.00$100.003/24/2010 6:00:07 PM
murlirao2002$25.00$25.003/24/2010 5:56:00 PM
Purposeful$50.00$50.003/24/2010 5:56:22 PM
successful-euro$30.00$30.003/24/2010 5:56:28 PM
autonomous-truth$25.00$25.003/24/2010 5:56:34 PM
nerdfactor$25.00$25.003/24/2010 5:56:40 PM
capital-galaxy$25.00$25.003/24/2010 5:56:45 PM
aasx1108$25.00$25.003/24/2010 5:56:51 PM
BlindJoeDeath$25.00$25.003/24/2010 5:56:54 PM
honorable-yield$35.00$35.003/24/2010 5:57:02 PM
dedicated-diversification5$33.12$33.123/24/2010 5:57:25 PM
zorg77$25.00$25.003/24/2010 5:57:57 PM
nowits10$25.00$25.003/24/2010 5:58:13 PM
elevated-platinum5$25.00$25.003/24/2010 5:58:36 PM
sympathetic-asset$25.00$25.003/24/2010 5:58:39 PM
greenwell$25.00$25.003/24/2010 5:58:51 PM
unforgettable-order9$25.00$25.003/24/2010 5:59:19 PM
gulch$25.00$25.003/24/2010 5:59:37 PM
tshurts$25.00$25.003/24/2010 5:59:41 PM
AF_Trust$25.00$25.003/24/2010 5:59:47 PM
SBT$50.00$50.003/24/2010 5:59:54 PM
blooming-dedication$50.00$50.003/24/2010 6:00:06 PM
FinanceEngine$25.00$25.003/25/2010 9:29:56 AM
Peterman$25.00$25.003/25/2010 10:38:29 AM
mercuriant$25.00$25.003/25/2010 9:35:39 AM
drg6289$25.00$25.003/25/2010 12:18:53 PM
reflective-rupee$300.00$300.003/25/2010 4:50:16 PM
SolarMoonshine$25.00$25.003/25/2010 5:24:34 PM
charming-point$300.00$300.003/26/2010 7:51:51 AM
DasMula$25.00$25.003/25/2010 11:41:41 PM
golffish2$100.00$100.003/26/2010 8:37:38 AM
161 bids
 
Borrower Payment Dependent Notes Series 451750
This series of Notes was issued and sold upon the funding of the borrower loan #41519, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-25-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $191.36
 
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: Jul-1990 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:17y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $31,742Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fund-computer 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 of my high interest cards
Purpose of loan:
This loan will be used to pay down the balance of my high interest credit cards.?

My financial situation:
I am a good candidate for this loan because my credit score is excellent, and I always make my payments.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Nerdster1$25.00$25.003/25/2010 3:52:32 PM
aurorafinancial$50.00$50.003/25/2010 4:01:37 PM
harmonious-revenue7$50.00$50.003/25/2010 4:01:58 PM
asset-professor$75.00$75.003/25/2010 4:02:57 PM
chicco$56.00$56.003/25/2010 4:02:26 PM
chekat$25.00$25.003/25/2010 4:04:16 PM
Havana21$50.00$50.003/25/2010 4:03:22 PM
AF-Chief$28.00$28.003/25/2010 3:56:45 PM
Avala$50.00$50.003/25/2010 4:05:53 PM
personal-lender$25.00$25.003/25/2010 4:06:05 PM
HHP$25.00$25.003/25/2010 4:07:49 PM
inspired-contract9$25.00$25.003/25/2010 4:06:28 PM
bonus-adventure3$25.00$25.003/25/2010 4:06:35 PM
jwood3030$35.00$35.003/25/2010 4:07:09 PM
HedgeFund$40.00$40.003/25/2010 4:07:24 PM
CarDealer3070$25.00$25.003/25/2010 4:02:45 PM
stock106$25.00$25.003/25/2010 4:11:25 PM
rhightower003$25.00$25.003/25/2010 4:03:46 PM
desertoasis$25.00$25.003/25/2010 4:04:04 PM
Clambake$50.00$50.003/25/2010 4:05:34 PM
delicious-social132$25.00$25.003/25/2010 4:06:13 PM
integrity-doctor$50.00$50.003/25/2010 4:06:49 PM
chestnut4$25.00$25.003/25/2010 4:07:15 PM
windfall46$25.00$25.003/25/2010 4:08:36 PM
bchen78875$25.00$25.003/25/2010 4:09:48 PM
shellcollector$25.00$25.003/25/2010 4:31:31 PM
return-eclipse0$25.00$25.003/25/2010 4:38:28 PM
fightinjoe$25.00$25.003/25/2010 5:56:01 PM
jdnyc$25.00$25.003/25/2010 11:42:57 PM
macjp123$25.00$25.003/25/2010 8:29:50 PM
time4aloan$30.00$30.003/26/2010 2:24:20 AM
the-profit-oracle$25.00$25.003/26/2010 6:08:35 AM
maldok1$25.00$25.003/26/2010 6:54:57 AM
r0b3m4n$25.00$25.003/26/2010 8:13:00 AM
awwaww$25.00$25.003/26/2010 9:36:03 AM
top-silver-american$25.00$25.003/26/2010 9:08:32 AM
unassassinable$25.00$25.003/26/2010 9:33:53 AM
ccdmp2004$25.00$25.003/26/2010 10:40:23 AM
dr_bob1500$25.00$25.003/26/2010 8:43:06 AM
tenacious-commitment6$25.00$25.003/26/2010 10:43:38 AM
sharkm$32.82$32.823/26/2010 10:48:31 AM
CASHGIRL$40.00$40.003/26/2010 11:06:40 AM
knight3136$25.00$25.003/26/2010 9:28:37 AM
Stollewood$27.64$27.643/26/2010 11:13:03 AM
LandE2BG$25.00$25.003/26/2010 11:13:38 AM
justice-dna$25.00$25.003/26/2010 10:23:18 AM
ommcd$25.00$25.003/26/2010 9:34:06 AM
towering-contract$25.00$25.003/26/2010 9:34:18 AM
upc_tnt$25.00$25.003/26/2010 11:40:17 AM
Whitewall$31.41$31.413/26/2010 11:54:02 AM
onlyastepaway$25.00$25.003/26/2010 11:55:26 AM
SqueezeKing$25.00$25.003/26/2010 11:05:37 AM
drumcorpsnut$26.34$26.343/26/2010 12:13:24 PM
Aaron_Oz$25.00$25.003/26/2010 11:13:30 AM
interest-boomer5$25.00$25.003/26/2010 12:13:48 PM
saihu$25.00$25.003/26/2010 12:31:29 PM
MoneyPlant$25.00$25.003/26/2010 11:29:08 AM
apostle901$25.00$25.003/26/2010 12:32:18 PM
br4444$25.00$25.003/26/2010 11:31:19 AM
JGB$25.00$25.003/26/2010 12:38:35 PM
TwinF$25.00$25.003/26/2010 11:47:55 AM
halothane_logic$25.00$25.003/26/2010 11:48:00 AM
revenue-prospector$25.00$25.003/26/2010 10:32:55 AM
Veshay$25.41$25.413/26/2010 12:47:14 PM
jayz515$40.00$40.003/26/2010 11:53:43 AM
social-ladder590$25.00$25.003/26/2010 12:54:30 PM
special-truth$25.00$25.003/26/2010 12:56:03 PM
Dendomatic$25.00$25.003/26/2010 10:43:33 AM
credit-kahuna$54.11$54.113/26/2010 12:57:21 PM
junctionking$25.00$25.003/26/2010 10:49:15 AM
sk8ndive$25.00$25.003/26/2010 12:21:19 PM
Lilred7879$28.11$28.113/26/2010 10:55:33 AM
liberty-grizzly$34.14$34.143/26/2010 1:02:58 PM
Binan$25.00$25.003/26/2010 12:33:18 PM
reflective-cash0$37.46$37.463/26/2010 1:03:22 PM
rakstar$25.00$25.003/26/2010 11:08:10 AM
slartibardfast$25.00$25.003/26/2010 12:38:31 PM
adaptable-income$25.00$25.003/26/2010 12:54:27 PM
power-expert$25.00$25.003/26/2010 12:54:51 PM
accordion8$50.00$50.003/26/2010 12:56:05 PM
value-pole$25.00$25.003/26/2010 12:56:11 PM
treasure-bliss$100.00$100.003/26/2010 12:57:14 PM
important-ore$50.00$50.003/26/2010 1:03:18 PM
reward-adventure$25.00$25.003/26/2010 11:50:29 AM
jhouman$25.00$25.003/26/2010 1:10:54 PM
ocho$25.00$5.653/26/2010 1:18:07 PM
museic1$50.00$50.003/26/2010 12:20:37 PM
jga516$25.00$25.003/26/2010 12:22:23 PM
lloyd_s$25.00$25.003/26/2010 12:33:33 PM
lounges$25.00$25.003/26/2010 12:38:06 PM
marilyn7$25.00$25.003/26/2010 12:39:32 PM
intelligent-nickel$25.00$25.003/26/2010 12:54:30 PM
tender-gold$25.00$25.003/26/2010 12:55:17 PM
useful-p2ploan$26.44$26.443/26/2010 12:56:07 PM
impeccable-transparency$75.00$75.003/26/2010 12:56:14 PM
CAGE-Investments$29.74$29.743/26/2010 12:57:20 PM
new-honorable-rate$25.00$25.003/26/2010 1:02:56 PM
best-phenomenal-treasure$25.00$25.003/26/2010 1:03:03 PM
rock-turner$36.35$36.353/26/2010 1:03:39 PM
responsibility-mulberry$25.00$25.003/25/2010 4:01:45 PM
satisfying-durability$25.00$25.003/25/2010 4:01:04 PM
hrubinst$25.00$25.003/25/2010 4:02:19 PM
studious-bonus7$50.00$50.003/25/2010 4:01:28 PM
versatile-platinum4$25.00$25.003/25/2010 4:02:06 PM
economy-producer$25.00$25.003/25/2010 4:03:33 PM
torion$25.00$25.003/25/2010 4:05:43 PM
ddog0224$25.00$25.003/25/2010 4:07:30 PM
ahansen$25.00$25.003/25/2010 4:09:13 PM
WHEREISTHEMOON$25.00$25.003/25/2010 4:10:20 PM
cello1$25.00$25.003/25/2010 4:10:34 PM
decisive-marketplace3$25.00$25.003/25/2010 4:08:50 PM
goodbob$25.00$25.003/25/2010 4:11:01 PM
responsible-investment0$50.00$50.003/25/2010 4:11:41 PM
currency-sergeant$25.00$25.003/25/2010 4:12:05 PM
MAKEITAUTOMATIC$25.00$25.003/25/2010 4:12:02 PM
dinero-speaker$25.00$25.003/25/2010 4:13:10 PM
the-bright-velocity$25.00$25.003/25/2010 4:30:58 PM
auction-turbine4$25.00$25.003/25/2010 4:13:37 PM
details$25.00$25.003/25/2010 4:24:41 PM
successful-euro$30.00$30.003/25/2010 5:53:30 PM
a-finance-nirvana$25.00$25.003/25/2010 4:31:16 PM
selector568$115.82$115.823/25/2010 4:48:55 PM
teller$25.00$25.003/25/2010 8:29:04 PM
diversification-medalist$25.00$25.003/26/2010 6:00:22 AM
KandKLegacyInvestments$25.00$25.003/26/2010 6:00:30 AM
bowdish1$30.77$30.773/26/2010 6:54:54 AM
bxdoc$250.00$250.003/26/2010 8:27:55 AM
nanda$25.00$25.003/26/2010 7:08:48 AM
focused-dime8$25.00$25.003/26/2010 8:25:28 AM
JohnW12$25.00$25.003/26/2010 7:39:26 AM
uwinwewin$25.00$25.003/26/2010 9:08:30 AM
KiwiElf$25.00$25.003/26/2010 10:43:09 AM
SDNLR$25.00$25.003/26/2010 9:36:21 AM
srilm$25.00$25.003/26/2010 10:58:01 AM
Artist_Blue$25.00$25.003/26/2010 10:58:17 AM
Cheburashka$25.00$25.003/26/2010 11:06:49 AM
matusky$25.00$25.003/26/2010 11:18:42 AM
Katburg$35.00$35.003/26/2010 11:20:21 AM
alexstar$25.00$25.003/26/2010 11:40:53 AM
ms48105$25.00$25.003/26/2010 9:36:00 AM
Kulchar$50.00$50.003/26/2010 11:55:27 AM
tsui517$25.00$25.003/26/2010 11:08:27 AM
ClearLake$25.00$25.003/26/2010 11:13:39 AM
Phantom99$25.00$25.003/26/2010 9:50:19 AM
tranquil-return4$25.00$25.003/26/2010 10:00:02 AM
wjstocks$25.00$25.003/26/2010 12:29:43 PM
mattbly$25.00$25.003/26/2010 12:30:02 PM
Steveoo1$25.00$25.003/26/2010 12:32:07 PM
annodomini$25.00$25.003/26/2010 11:29:27 AM
rwelle$25.00$25.003/26/2010 11:31:21 AM
dospapalotes$25.00$25.003/26/2010 11:40:11 AM
philwags$25.00$25.003/26/2010 11:47:57 AM
thrifty-peso$25.00$25.003/26/2010 12:54:58 PM
boater01$25.80$25.803/26/2010 12:06:10 PM
safe-finance$25.00$25.003/26/2010 12:56:09 PM
orange-preeminant-bill$100.00$100.003/26/2010 12:57:30 PM
ghinga$30.00$30.003/26/2010 10:48:47 AM
GElender$50.00$50.003/26/2010 12:58:02 PM
Rcl46$25.00$25.003/26/2010 12:29:37 PM
duty-sensai$25.00$25.003/26/2010 1:03:21 PM
mmmm1982$25.00$25.003/26/2010 12:34:02 PM
selfmademan$25.00$25.003/26/2010 11:08:23 AM
dsfoundation$25.00$25.003/26/2010 12:39:16 PM
fishman42$25.00$25.003/26/2010 11:12:56 AM
fopaul13$25.00$25.003/26/2010 11:13:33 AM
pujols8996$28.40$28.403/26/2010 12:45:04 PM
mg6619$25.00$25.003/26/2010 11:14:27 AM
ctgscott$25.00$25.003/26/2010 12:46:58 PM
gentle-note$25.00$25.003/26/2010 12:54:26 PM
shamil45$25.00$25.003/26/2010 11:29:59 AM
loan-master996$50.00$50.003/26/2010 12:56:17 PM
melodious-fairness$25.00$25.003/26/2010 12:57:23 PM
stjules$50.00$50.003/26/2010 11:39:32 AM
cash-queen$30.00$30.003/26/2010 12:57:49 PM
amber_in_florida$25.00$25.003/26/2010 11:40:07 AM
monstersdad$50.00$50.003/26/2010 11:40:56 AM
Aimvest$25.00$25.003/26/2010 11:41:34 AM
radforj22$25.00$25.003/26/2010 1:03:35 PM
wise-cash-keeper$48.21$48.213/26/2010 1:18:28 PM
the-money-gargantuan$25.00$25.003/26/2010 12:13:22 PM
djh47a$25.00$25.003/26/2010 12:22:17 PM
RandyL3$33.00$33.003/26/2010 12:33:23 PM
ticketman2$25.00$25.003/26/2010 12:39:28 PM
fmvaulter$25.00$25.003/26/2010 12:43:56 PM
hard-working-loot$25.00$25.003/26/2010 12:55:33 PM
Fortuno_per_commodo$48.38$48.383/26/2010 12:55:56 PM
capital-web7$25.00$25.003/26/2010 12:56:01 PM
tremendous-payment$25.00$25.003/26/2010 12:56:20 PM
benefit-squirrel$30.00$30.003/26/2010 12:57:16 PM
investment-comet$25.00$25.003/26/2010 1:03:20 PM
MO_Investor$25.00$25.003/26/2010 1:03:38 PM
191 bids
 
Borrower Payment Dependent Notes Series 447187
This series of Notes was issued and sold upon the funding of the borrower loan #41547, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 23.56% Starting borrower rate/APR: 24.56% / 26.86% Starting monthly payment: $209.50
Final lender yield: 22.50% Final borrower rate/APR: 23.50% / 25.79% Final monthly payment: $206.55
 
Auction yield range: 8.04% - 23.56% Estimated loss impact: 9.03%  
Lender servicing fee: 1.00% Estimated return: 13.47%  
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-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:11y 6m
Credit score: 780-799 (Mar-2010) Total credit lines: 14 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $4,173 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: jdbok Borrower's state: NewYork Borrower's group: eBay Sellers Helping Others
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,400.00< mo. late: 0 ( 0% )  
720-739 (Nov-2009)
680-699 (Feb-2008)
740-759 (Aug-2007)
 
Principal balance: $160.07 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
eBay inventory opportunity
I'm an eBay seller since 1998 http://stores.eBay.com/jdbok I got a Prosper loan to purchase used cashmere which became a recurring?deal. I'm obligated to buy damaged with good so have made a line of recycled cashmere baby blankets/garments?www.blanketyblankblank.com
I have store orders for Fall and they sell via etsy http://www.etsy.com/shop/blanketyblankblank
I need Funds to:?
purchase cashmere through summer: $4000??production costs: $1000?purchase serger sewing machine: $300
My debt is student loan & credit card with reasonable terms, the public record is a hospital bill -I now have health ins. In fact, my credit score has improved since my last loan!?Please bid with confidence I need a small business loan to develop the recycled cashmere line to continue my business at?a higher level.
Monthly net income: $ 3,000
expenses:
Housing: $ 700
Car: $ 60?
Utilities: $ 75??
Insurance: $200?
Phone, cable, internet: $ 150?
Credit cards and other loans: $ 250
Information in the Description is not verified.
Friends And Family Winning Bids
SkipMcGrath has bid a total of $100.00 in winning bids.
"JdBok is an accomplished eBay seller with a good business model and a record of paying on time in a previous Prosper loan. Skip McGrath Group Leader"
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: You seem a great bet - I may pass your listing to some fellow members of our lenders group. How are the blankets selling? - JGuide
A: The blankets are selling on etsy, and they got promoted on several "green" blogs. The ponchos were included in a Rep's both at NY fashion week & got orders from 4 stores! unfortunately the orders are for July so I still need a loan to get this business running smooth. The Rep is keeping my line in her LA showroom & will have them in an LA trade show soon. Wholesale is new to me but so far so good. my ebay business is still solid , the recycled lines are taking off - I'm pleased Thanks! (Mar-24-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
JGuide$50.00$50.003/23/2010 12:20:48 PM
jhouman$25.00$25.003/24/2010 9:34:01 PM
brother_tam$100.00$100.003/25/2010 5:18:05 PM
sensible-fund$80.00$80.003/27/2010 6:23:27 AM
UCLA4life$25.00$25.003/27/2010 3:58:19 PM
Johnab$25.00$25.003/27/2010 3:59:24 PM
heroic-benefit$200.00$200.003/27/2010 4:36:31 PM
dorypro$50.00$50.003/27/2010 6:39:58 PM
Aberdeen$350.00$350.003/27/2010 6:57:53 PM
point-mastery$75.00$75.003/27/2010 10:20:41 PM
income-rocker2$304.47$304.473/28/2010 5:16:34 PM
credit-missile$155.04$155.043/29/2010 1:48:55 AM
Graven33$25.00$25.003/28/2010 7:43:48 PM
mrxtravis$25.00$25.003/28/2010 7:15:33 PM
exchange-cowbell5$50.00$50.003/28/2010 7:45:10 PM
Leshan$54.06$54.063/29/2010 7:41:23 AM
ayiticheri$25.00$25.003/29/2010 4:44:42 AM
umfan123$25.00$25.003/29/2010 7:00:53 AM
SlickNick$26.00$26.003/29/2010 10:00:08 AM
finance-prescription$500.00$500.003/29/2010 7:52:50 AM
grnii78$150.00$150.003/29/2010 8:13:40 AM
reflective-rupee$100.00$100.003/29/2010 10:40:23 AM
Smallbear$25.00$25.003/29/2010 11:22:26 AM
reflective-rupee$100.00$100.003/29/2010 10:40:04 AM
asya$30.00$30.003/29/2010 2:55:10 PM
gothampark$25.00$25.003/29/2010 1:44:15 PM
credit-missile$49.55$49.553/29/2010 1:43:30 PM
vdubbora$50.00$50.003/29/2010 2:12:31 PM
steady-dime$25.00$25.003/29/2010 2:17:19 PM
american-investor$25.00$25.003/29/2010 2:30:11 PM
quest0$25.48$25.483/29/2010 3:42:36 PM
reflective-rupee$50.00$50.003/29/2010 3:20:08 PM
note-pursuit$25.00$25.003/29/2010 4:08:42 PM
seabassx$50.00$50.003/29/2010 4:10:49 PM
DizzyMissLizzy$87.13$87.133/24/2010 1:42:37 PM
well-mannered-income3$60.00$60.003/24/2010 5:42:32 PM
Bob450$25.00$25.003/24/2010 7:56:41 PM
SkipMcGrath$50.00$50.003/25/2010 9:03:57 AM
SkipMcGrath$50.00$50.003/25/2010 5:56:25 PM
selector568$98.32$98.323/25/2010 8:33:35 PM
jhouman$25.00$25.003/26/2010 4:04:34 PM
deepblue34$30.00$30.003/26/2010 6:27:06 PM
Kash2010lu$25.00$25.003/27/2010 8:27:20 AM
GInBaghdad$25.00$25.003/27/2010 1:41:49 PM
Top_Gun_Lender$60.55$60.553/27/2010 1:55:22 PM
fillholdingsllc$25.00$25.003/27/2010 7:23:56 PM
CTG_JaQ$200.00$200.003/27/2010 6:55:34 PM
Aberdeen$350.00$350.003/27/2010 6:57:54 PM
Your_Bank$25.00$25.003/28/2010 6:09:40 AM
Your_Bank$35.00$35.003/28/2010 6:12:55 AM
Jeffro123456$27.77$27.773/28/2010 2:13:27 AM
loanman2007$100.00$100.003/28/2010 7:27:16 AM
well-mannered-income3$50.00$50.003/28/2010 4:32:33 PM
bondhedger$25.00$25.003/28/2010 5:47:48 PM
jhernand17$25.00$25.003/28/2010 7:46:50 PM
twjh$25.00$25.003/29/2010 6:07:57 AM
Bob450$25.00$25.003/28/2010 8:27:13 PM
NekHoldings$25.00$25.003/29/2010 3:35:00 AM
sjo1984111$25.00$25.003/29/2010 8:30:57 AM
Isaac007$25.00$25.003/29/2010 4:58:59 AM
CommerciaLender$25.00$25.003/29/2010 7:25:45 AM
goodhearted-basis4$25.00$25.003/29/2010 8:35:21 AM
jybank$25.00$25.003/29/2010 11:18:09 AM
ChewyZ$25.00$25.003/29/2010 11:49:55 AM
reflective-rupee$100.00$100.003/29/2010 10:40:51 AM
Bob450$25.00$25.003/29/2010 11:34:04 AM
Happyhourcomics$25.00$25.003/29/2010 2:18:08 PM
Pu239$50.00$50.003/29/2010 12:16:07 PM
fireferd$25.00$25.003/29/2010 2:24:30 PM
return-grizzly$100.00$100.003/29/2010 1:22:52 PM
roswellandy$25.00$25.003/29/2010 1:46:45 PM
Champion_Lending$25.00$25.003/29/2010 2:07:52 PM
persistent-bazaar$100.00$4.643/29/2010 1:55:49 PM
icon7$50.00$50.003/29/2010 2:11:42 PM
HarryRoberts$100.00$100.003/29/2010 3:15:10 PM
gadget7$46.99$46.993/29/2010 2:55:43 PM
reflective-rupee$50.00$50.003/29/2010 3:20:25 PM
dynrep$25.00$25.003/29/2010 3:53:12 PM
Hatdance$25.00$25.003/29/2010 3:53:16 PM
allbalooboy2$100.00$100.003/29/2010 3:59:10 PM
80 bids
 
Borrower Payment Dependent Notes Series 449867
This series of Notes was issued and sold upon the funding of the borrower loan #41507, 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: 19.0% Auction start date:  Mar-11-2010 
  Auction end date:  Mar-18-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 29.33% Final monthly payment: $163.30
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.50%  
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: Nov-1999 Debt/Income ratio: 21%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 9Length of status:6y 8m
Credit score: 600-619 (Mar-2010) Total credit lines: 21 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $4,793Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: keith97075 Borrower's state: Oregon 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 historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 48 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
580-599 (Aug-2008)
540-559 (Feb-2007)
520-539 (Dec-2006)
 
Principal balance: $1,537.85 1+ mo. late: 0 ( 0% )
Total payments billed: 48  
Description
prosper loan 3.pay off credit cards
I am 38;?I am a certified ford service technician with over 16 year?s experience.? First I would like to thank all the lenders that believed in me on my first and second prosper loan. I am asking for a third loan that will be used to pay off my credit cards and 1 personal loan. Since the credit card companies decided to increase and double my interest rates for no reason, I would like to pay them off and close all credit cards except one for emergency reasons only.?

?WHAT I WILL DO WITH THE MONEY LOANED TO ME: to pay off credit cards.??

HERE ARE MY MONTHLY FINANCIAL DETAILS: Net income after payroll deductions from all sources: $ 3200.00----4,200.00 varies?
Mortgage/Rent: $ 1,500.00??
Electricity & Water & Gas: $ 150.00
Car Loan and Operating Expenses: $ 220.00
Insurance: $ 180.00
Clothing, misc.etc. $ 100.00
Prosper loan 1: 108.00
Chase card $ 80
Applied card $ 80

items to be paid off with prosper loan: Card Name ? Balance ? Monthly Payment?????????????
Capital One ? 500 - 20
Orchards ? 500 - 20
Juniper - 750 - 20
Tribute ? 800 - 50
Target - 100 - 15
Morgan?s ? 50 - 50
Brookwood loan ? 900 - 85
Wal-Mart ? 400 - 20???????????????????????
Total 4000 payment 280?????
Total Monthly Expenses: $ 2698.00

CLOSING REMARKS TO LENDERS: thank you for considering my listing. I plan to have this loan paid back in approx 24 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
BidderAmount BidAmount WinningBid Date (PT)
myutmost$25.00$25.003/15/2010 10:38:32 AM
investment-daydream$190.84$62.753/15/2010 12:08:10 PM
USMP$100.00$100.003/15/2010 5:30:24 PM
Aberdeen$350.00$350.003/15/2010 5:52:33 PM
sweety075$25.00$25.003/15/2010 6:29:49 PM
Mark-M$25.00$25.003/15/2010 8:04:07 PM
aha6297$43.35$43.353/16/2010 12:04:04 PM
Astyanax$40.00$40.003/17/2010 1:18:39 PM
peregrine$29.12$29.123/17/2010 6:22:45 PM
cold1$25.00$25.003/17/2010 9:26:25 PM
Mikale360$25.00$25.003/18/2010 6:43:18 AM
AF-Chief$55.00$55.003/18/2010 8:01:04 AM
paradiseinvestor$50.00$50.003/18/2010 10:30:14 AM
bazaar-pizza$100.00$100.003/18/2010 11:49:29 AM
mrreynol$30.00$30.003/18/2010 9:49:00 AM
ferengi_finance$129.58$129.583/18/2010 9:56:40 AM
TMac$32.84$32.843/18/2010 10:47:14 AM
martymaniaman$70.39$70.393/18/2010 12:46:44 PM
FarmersBank$50.00$50.003/18/2010 12:59:40 PM
payout-comet$25.00$25.003/18/2010 2:12:02 PM
HomerdohNY$25.00$25.003/18/2010 1:16:24 PM
toxicbutterfly$25.00$25.003/18/2010 1:30:23 PM
bull_lender$36.00$36.003/18/2010 3:18:22 PM
FinanceEngine$25.00$25.003/18/2010 3:01:37 PM
MPdeez$52.65$52.653/18/2010 3:11:54 PM
Helping-One-Another$25.00$25.003/18/2010 3:17:49 PM
UCLA4life$25.00$25.003/12/2010 4:57:52 PM
MoneyForNothing$25.00$25.003/13/2010 11:10:51 AM
myutmost$25.00$25.003/15/2010 10:38:48 AM
Aberdeen$350.00$350.003/15/2010 5:50:37 PM
Aberdeen$350.00$350.003/15/2010 5:49:40 PM
five-star-note$50.00$50.003/15/2010 9:12:53 PM
TheSweetLender$35.00$35.003/16/2010 1:39:49 AM
PXM-Financial$33.00$33.003/16/2010 11:29:42 AM
CA_Lender$25.00$25.003/16/2010 2:31:07 PM
RainyDayFunds$25.00$25.003/16/2010 4:21:44 PM
five-star-note$43.35$43.353/17/2010 8:19:10 AM
TheSweetLender$25.00$25.003/17/2010 5:59:02 PM
Feyenoord$28.38$28.383/17/2010 6:29:37 PM
realtormoises$25.00$25.003/17/2010 7:36:42 PM
marwadi-62$100.00$100.003/17/2010 7:53:35 PM
Kash2010lu$50.00$50.003/17/2010 8:15:38 PM
love2garden$25.00$25.003/18/2010 6:17:40 AM
OGS_Capital$25.00$25.003/18/2010 7:19:47 AM
fairgirl$25.00$25.003/18/2010 6:46:35 AM
Skeptical-one$50.00$50.003/18/2010 8:33:37 AM
GetLoan$25.85$25.853/18/2010 10:13:01 AM
Leshan$100.00$100.003/18/2010 9:15:11 AM
credit-missile$125.00$125.003/18/2010 11:07:37 AM
red-favorable-basis$25.00$25.003/18/2010 11:15:50 AM
fairness-atmosphere$50.41$50.413/18/2010 10:06:01 AM
mjerryfirst$500.00$500.003/18/2010 10:37:04 AM
StargazerLending$25.00$25.003/18/2010 11:00:10 AM
DasMula$50.00$50.003/18/2010 12:36:37 PM
carrinel$75.00$75.003/18/2010 12:56:58 PM
Flshedman$50.00$50.003/18/2010 1:32:38 PM
Bob450$50.00$50.003/18/2010 1:57:30 PM
Engineer44$30.00$30.003/18/2010 3:53:52 PM
ddoneday$27.08$27.083/18/2010 3:17:43 PM
sgvending$45.25$45.253/18/2010 3:52:42 PM
60 bids
 
Borrower Payment Dependent Notes Series 450003
This series of Notes was issued and sold upon the funding of the borrower loan #41550, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-12-2010 
  Auction end date:  Mar-19-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $82.06
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $80.85
 
Auction yield range: 11.04% - 26.38% 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-1987 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:4y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 41Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $5,391 
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: bellabooj 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
Daughters Scholarship Pageant Fund
Purpose of loan:
This loan will be used to? My daughter is in a sholarship pageant and the money would be used to fund her remaining expenses.? She has gone to business after business trying to get sponsors but has been told no time after time.? I am not understanding this because it is tax deductible as advertising for business'. Yes the economy is bad but they wouldn't really be out anything since it is a write off.? In any case my daughter has worked hard to get to this point and she would so like to finish this and win.? I think she has a good shot at it as she is very advanced for someone in her age range and even older.? I am not forcing her to do this, it was all her idea and she has been?accepted as a state finalist all on her own based on her interview.? The 2010 Miss Oregon Jr. PreTeen pageant is not one of those glitzy pageants where the girls wear a ton of make-up and clothes that are totally inappropriate.? There is no swimsuit contest either.? She will be judged on interview, public speaking, community involvement, poise and stage presence.? She feels she can win the crown yet understands that if she doesn't she is still unique and the best that she can be.?

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

Monthly net income: $ 1743.00

Monthly expenses: $
??Housing: $ 180.00
??Insurance: $ 25.00
??Car expenses: $ 0
??Utilities: $ 75.00
??Phone, cable, internet: $150.00
??Food, entertainment: $ 175.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 25.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Inquisitor06$25.00$25.003/12/2010 3:57:14 PM
Emberfox$25.00$25.003/12/2010 3:57:17 PM
mydreamsagain$25.00$25.003/12/2010 3:57:22 PM
joseapg$25.00$25.003/12/2010 3:57:26 PM
ouyangers$25.00$25.003/12/2010 4:01:00 PM
noble-revenue$100.00$61.483/12/2010 4:01:48 PM
MylesNH$25.00$25.003/12/2010 3:57:34 PM
upc_tnt$25.00$25.003/12/2010 4:00:26 PM
nletunic$25.00$25.003/12/2010 4:00:48 PM
social-conductor4$25.00$25.003/12/2010 4:00:59 PM
OldProp$25.00$25.003/12/2010 3:57:19 PM
red-trade-cologne$25.00$25.003/12/2010 3:57:35 PM
AceInTheHole$25.00$25.003/12/2010 4:00:51 PM
UCLA4life$25.00$25.003/12/2010 11:57:29 PM
exchange-cowbell5$25.00$25.003/18/2010 9:35:35 AM
irrelevant$25.00$25.003/18/2010 12:35:03 PM
realtormoises$25.00$25.003/18/2010 4:41:41 PM
Bob450$25.00$25.003/18/2010 9:02:37 PM
Ronnieboy888$25.00$25.003/18/2010 9:28:29 PM
Leshan$25.00$25.003/19/2010 6:54:54 AM
PotBellyPete$25.00$25.003/19/2010 7:21:19 AM
Taho$25.00$25.003/19/2010 7:45:42 AM
fenderxes$25.00$25.003/19/2010 6:39:09 AM
JauaFlash$25.00$25.003/19/2010 10:01:31 AM
YoungTaxMan$25.00$25.003/19/2010 10:07:06 AM
dRatedOnly$25.00$25.003/19/2010 11:16:00 AM
Gaelicman$50.00$50.003/19/2010 2:11:17 PM
ultimate-peace$600.00$600.003/19/2010 2:30:16 PM
devoider$25.00$25.003/12/2010 3:57:15 PM
likeable-value$25.00$25.003/12/2010 3:57:18 PM
teejay411$100.00$100.003/12/2010 3:57:24 PM
dime-reaction$25.00$25.003/12/2010 3:58:04 PM
golath24$25.00$25.003/12/2010 4:01:46 PM
oaktown23$50.00$50.003/12/2010 3:57:59 PM
joshlenn$25.00$25.003/12/2010 3:57:20 PM
dollar-sensor$25.00$25.003/12/2010 3:57:30 PM
industrious-dedication$25.00$25.003/12/2010 3:57:56 PM
rlgnyc$35.97$35.973/12/2010 3:58:23 PM
gustavzantanon$27.55$27.553/12/2010 3:58:30 PM
majorf2136$25.00$25.003/12/2010 4:00:50 PM
rdecartus$25.00$25.003/12/2010 4:01:03 PM
Bob450$25.00$25.003/12/2010 8:38:02 PM
mcshew99$25.00$25.003/15/2010 1:01:43 PM
marwadi-62$50.00$50.003/17/2010 7:57:45 PM
unger$50.00$50.003/18/2010 7:37:03 PM
wild-orange$25.00$25.003/19/2010 1:32:27 AM
glenium$25.00$25.003/19/2010 2:57:15 AM
DaddyBill$25.00$25.003/19/2010 7:24:20 AM
48 bids
 
Borrower Payment Dependent Notes Series 450579
This series of Notes was issued and sold upon the funding of the borrower loan #41525, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-17-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $191.78
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.23%  
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-1998 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 10Length of status:0y 7m
Credit score: 760-779 (Feb-2010) Total credit lines: 37 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $3,379Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Tgrgolfer Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 25 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,100.00< mo. late: 0 ( 0% )  
660-679 (Jul-2009)
660-679 (Jul-2008)
640-659 (Sep-2007)
680-699 (Aug-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidating Last Portion Of Debt

? Hello All,

??????? I have paid off a bunch of debt using Prosper and am looking for my?Fourth loan to complete paying off all my credit card debt and a personal loan. With this new credit card legislation beginning in?2010 all my credit card are raising my rates by as much as 15% for no reason. I have never been late on a payment so it really ticks me off. But alas?I have no rights so they can do what they want. I am looking to Prosper to let me gain?control back over my?finances and end a personal loan obligations I have. Thanks for bidding.??

Employment : I recently changed careers and moved from the bank world I had been in for the last 7 years and took a job managing a large retail store. I enjoy the fast paced environment and hope to make it a long and fruitful career.

Monthly Bills

Credit Cards - $?500 mo
Gas - 150 mo
Cell Phone - $45.00 mo
Parking - $90.00 mo
Car & Insurance - Paid off - Insurance $75 mo
Housing - $300
Utilities - $100
Food & Bev - $150
401 (k) - $150

Total Bill Mo - $1,560.00
Monthly Pay - $ 2,527.00

As you can see I have over $1000 leftover a month to put towards Prosper if need be?

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
macjp123$25.00$25.003/17/2010 10:17:29 AM
personal-lender$25.00$25.003/17/2010 10:19:27 AM
torion$25.00$25.003/17/2010 10:18:10 AM
bonus-adventure3$25.00$25.003/17/2010 10:21:54 AM
Avala$50.00$50.003/17/2010 10:18:37 AM
integrity-doctor$50.00$50.003/17/2010 10:26:52 AM
inspired-contract9$25.00$25.003/17/2010 10:21:32 AM
figs4u2$100.00$100.003/17/2010 10:27:29 AM
important-ore$50.00$50.003/17/2010 10:32:40 AM
tenacious-compassion9$25.00$25.003/17/2010 10:26:23 AM
AF-Chief$28.00$28.003/17/2010 10:29:05 AM
chestnut4$25.00$25.003/17/2010 10:44:37 AM
unforgettable-order9$100.00$100.003/17/2010 10:37:50 AM
GElender$38.89$38.893/17/2010 11:01:36 AM
HedgeFund$40.00$40.003/17/2010 11:12:41 AM
Katherine12$25.00$25.003/17/2010 10:27:19 PM
hampa$25.00$25.003/18/2010 6:48:30 AM
marilyn7$25.00$25.003/18/2010 8:12:31 AM
sumac5$150.00$150.003/18/2010 9:33:13 AM
payogie$25.00$25.003/18/2010 9:36:18 AM
KandKLegacyInvestments$25.00$25.003/18/2010 12:46:46 PM
RandyL3$33.00$33.003/18/2010 3:27:03 PM
MissionMicroFinance$25.00$25.003/18/2010 8:27:33 PM
averagefore$25.00$25.003/19/2010 9:48:57 AM
KeyS80$50.00$50.003/19/2010 12:21:09 PM
Rivervale_Westwood$25.00$25.003/19/2010 12:40:01 PM
exchange-fountain$25.00$25.003/19/2010 1:00:29 PM
a-finance-nirvana$25.00$25.003/19/2010 1:09:26 PM
inspiring-reward$25.79$25.793/19/2010 2:49:51 PM
allbalooboy2$25.00$25.003/19/2010 10:03:54 PM
aurorafinancial$50.00$50.003/20/2010 7:57:57 AM
cathexis$98.14$98.143/20/2010 9:02:59 AM
rescue$250.00$250.003/21/2010 7:48:46 AM
mikeandcat$29.32$29.323/21/2010 1:14:28 PM
responsibility-mulberry$25.00$25.003/21/2010 2:52:23 PM
harmonious-revenue7$50.00$50.003/21/2010 5:52:25 PM
CA_Lender$25.00$25.003/21/2010 6:10:27 PM
integrity-broker$25.00$25.003/21/2010 7:27:25 PM
versatile-platinum4$25.00$25.003/22/2010 9:32:48 AM
brazilofmux$29.09$29.093/22/2010 8:44:35 AM
gecko68$25.00$25.003/22/2010 10:03:59 AM
hrubinst$25.00$25.003/22/2010 9:43:18 AM
mmckune$25.00$25.003/22/2010 10:23:01 AM
chicco$56.00$56.003/22/2010 10:11:58 AM
akahoss$25.00$25.003/22/2010 10:29:31 AM
goodken$25.00$25.003/22/2010 10:58:09 AM
victorcab$35.00$35.003/22/2010 11:15:21 AM
Skyminor$40.00$40.003/22/2010 11:15:52 AM
progressive-asset$100.00$100.003/22/2010 11:16:13 AM
350DGRZ$25.00$25.003/22/2010 11:16:20 AM
debt-system880$25.00$25.003/22/2010 11:29:23 AM
HarleyBoy$25.00$25.003/22/2010 12:07:42 PM
wampum-cocktail$25.00$25.003/22/2010 12:28:26 PM
792FICO$25.00$25.003/22/2010 12:33:53 PM
visionary-currency$40.35$40.353/22/2010 12:48:01 PM
treasure-transporter$25.00$25.003/22/2010 12:40:02 PM
Unclejohn$35.00$35.003/22/2010 12:37:50 PM
Citytrustbankerguy$25.00$25.003/22/2010 2:18:10 PM
bountiful-bazaar$25.00$25.003/22/2010 1:44:26 PM
Personal-Bond$50.00$50.003/22/2010 2:37:21 PM
chill32151$500.79$500.793/22/2010 2:37:16 PM
funds-enlightenment4$25.00$25.003/22/2010 2:37:41 PM
haryassman$25.00$25.003/22/2010 3:56:25 PM
micko$25.00$25.003/22/2010 5:35:47 PM
thevogelfamily$25.00$25.003/22/2010 5:35:22 PM
mpactlender$25.00$25.003/22/2010 5:36:41 PM
heerzaquestion$25.00$25.003/22/2010 6:15:37 PM
BristolEnterprises$25.00$25.003/22/2010 6:32:25 PM
Clambake$50.00$50.003/17/2010 10:17:56 AM
sharp-bill2$40.00$40.003/17/2010 10:21:04 AM
mg6619$25.00$25.003/17/2010 10:20:04 AM
flexible-value$26.00$26.003/17/2010 10:25:22 AM
delicious-social132$25.00$25.003/17/2010 10:19:40 AM
fightinjoe$25.00$25.003/17/2010 10:20:47 AM
scrappy-bonus2$25.00$25.003/17/2010 10:29:49 AM
successful-euro$50.00$50.003/17/2010 10:26:07 AM
satisfying-durability$25.00$25.003/17/2010 10:27:32 AM
happy-asset$25.00$25.003/17/2010 10:37:38 AM
jwood3030$25.00$25.003/17/2010 10:43:34 AM
fcukciti$50.00$50.003/17/2010 10:43:45 AM
rate-gravity$100.00$100.003/17/2010 10:44:53 AM
Streetfighter$50.00$50.003/17/2010 10:36:32 AM
ddog0224$25.00$25.003/17/2010 2:14:12 PM
rapid-credit428$25.00$25.003/17/2010 2:52:34 PM
market-solstice2$25.00$25.003/17/2010 2:12:50 PM
webfeet$25.00$25.003/17/2010 2:23:50 PM
JohnSmith10$25.00$25.003/17/2010 7:53:17 PM
dbanwart$25.00$25.003/18/2010 7:25:48 AM
HHP$25.00$25.003/18/2010 8:44:38 AM
desertoasis$50.00$50.003/18/2010 10:07:42 AM
supreme-hope$25.00$25.003/18/2010 11:34:39 AM
bchen78875$25.00$25.003/18/2010 1:25:34 PM
Pickmar$25.00$25.003/18/2010 12:22:41 PM
the-profit-oracle$25.00$25.003/18/2010 4:56:46 PM
skuba$25.00$25.003/18/2010 4:44:59 PM
kanakakm$25.00$25.003/18/2010 6:03:34 PM
SanCarlos$100.00$100.003/19/2010 6:22:24 AM
studious-bonus7$50.00$50.003/19/2010 5:11:26 AM
don8ter$25.00$25.003/19/2010 7:47:30 AM
jstnow$25.00$25.003/19/2010 1:28:15 PM
Kelor99$25.00$25.003/19/2010 4:29:13 PM
gulch$25.00$25.003/19/2010 7:42:38 PM
Binan$25.00$25.003/20/2010 4:47:12 AM
grampy48$25.00$25.003/20/2010 3:48:33 AM
newest-pleasant-return$35.00$35.003/20/2010 10:27:12 AM
selector568$300.00$198.483/20/2010 10:37:18 AM
Tahoeguy$50.00$50.003/20/2010 11:32:21 AM
Aberdeen$350.00$350.003/20/2010 11:32:56 AM
adir1$25.00$25.003/20/2010 12:29:05 PM
gnuey$25.00$25.003/20/2010 2:17:32 PM
commitment-farm$25.00$25.003/20/2010 4:17:28 PM
groovychick$25.00$25.003/21/2010 12:08:44 AM
irrelevant$25.00$25.003/21/2010 7:11:16 AM
aldenrains$25.00$25.003/21/2010 7:54:32 AM
toocautious$25.00$25.003/21/2010 2:25:21 PM
aasx1108$25.00$25.003/21/2010 2:52:40 PM
safe-commerce$25.00$25.003/21/2010 4:18:34 PM
foldingbenny2$50.00$50.003/21/2010 8:40:47 PM
TCR3$25.00$25.003/21/2010 9:12:21 PM
awm$25.00$25.003/22/2010 4:07:31 AM
circustab$50.00$50.003/22/2010 8:10:39 AM
Musicman1950$25.00$25.003/22/2010 10:23:30 AM
pawnshopman$25.00$25.003/22/2010 10:28:49 AM
ronow22$25.00$25.003/22/2010 10:29:15 AM
reinforced-deal8$50.00$50.003/22/2010 10:57:56 AM
responsible-investment0$50.00$50.003/22/2010 10:58:57 AM
orange-preeminant-bill$91.78$91.783/22/2010 10:56:36 AM
bold-careful-finance$25.00$25.003/22/2010 11:15:04 AM
ciccio70$25.00$25.003/22/2010 10:58:39 AM
mommyhelper$25.00$25.003/22/2010 11:16:07 AM
intelligent-yield$25.00$25.003/22/2010 11:16:10 AM
oldguybiker$25.00$25.003/22/2010 12:42:44 PM
BeemerRider$25.00$25.003/22/2010 1:30:00 PM
CarDealer3070$25.00$25.003/22/2010 1:57:24 PM
Airthus$29.37$29.373/22/2010 2:44:18 PM
Dglue2gether$25.00$25.003/22/2010 3:05:18 PM
wwwUniversal$25.00$25.003/22/2010 2:49:36 PM
asset-professor$75.00$75.003/22/2010 3:18:47 PM
honorable-yield$50.00$50.003/22/2010 5:33:19 PM
139 bids
 
Borrower Payment Dependent Notes Series 450593
This series of Notes was issued and sold upon the funding of the borrower loan #41528, 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:  Mar-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $161.70
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1989 Debt/Income ratio: 4%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:12y 6m
Credit score: 740-759 (Mar-2010) Total credit lines: 8 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-compassion-equinox Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help my son survive job loss
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
I have been at the same job for 18 years and lived in St Lucie County for over 50 years
but after hip replacement surgery my savings are gone and my son lost his job
and home. He has 2 small children and we have a small house so he HAS to
get into a new place.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why does your son HAVE to move out? You mentioned that your son has 2 small children, so wouldn't it be easier for him to stay with you for now so you can help him watch the 2 small children? - IncomeTemple
A: We live in a 2bedroom 1 bath home and our grandkids are 2 & 6 - there is just not enough room - my wife & I have full time jobs as does our son daughter-in-law - tempers can flare when we all get home and everyone is tired. (Mar-18-2010)
Q: What will this money go towards? A down payment for a house for your son? Or a security deposit for a rental for your son? Will you need to continue to subsidize your son going forward, and thus need to take on even more debt? Thanks & best wishes - reflective-rupee
A: Down payment on a starter home - there will be no more subsidizing since they are both working ffull time and the mortgage payment will be under $600. (Mar-19-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
leverage-accruer$25.00$25.003/17/2010 10:00:31 AM
oldmora$50.00$50.003/17/2010 10:02:04 AM
AF-Chief$28.00$28.003/17/2010 10:03:17 AM
social-conductor4$25.00$25.003/17/2010 10:00:43 AM
secobarbital$25.00$25.003/17/2010 10:10:41 AM
zipemdown$25.00$25.003/17/2010 10:00:35 AM
Kaj$25.00$25.003/17/2010 10:02:00 AM
AF_Trust$25.00$25.003/17/2010 10:12:23 AM
hope-equation$50.00$50.003/17/2010 10:11:00 AM
orange-courageous-dedication$30.00$30.003/17/2010 10:11:41 AM
ukstevenhawaii$50.00$50.003/17/2010 10:13:13 AM
rhin0cerx$50.00$50.003/17/2010 10:15:13 AM
greatwhiteninja$25.00$25.003/17/2010 10:15:40 AM
asset-professor$35.00$35.003/17/2010 10:15:47 AM
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wizard750$35.00$35.003/24/2010 7:12:47 AM
87 bids
 
Borrower Payment Dependent Notes Series 450849
This series of Notes was issued and sold upon the funding of the borrower loan #41534, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $13,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-25-2010 
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 11.35% Starting monthly payment: $425.60
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $415.21
 
Auction yield range: 3.04% - 10.00% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: 36%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:4y 9m
Credit score: 800-819 (Mar-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $192Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unequaled-contract Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing a loan
Purpose of loan:
This loan will be used to?Refinance another loan to lower my payments.? The original loan was taken out for my husband to consolidate his debt.? He is now having trouble making payments and I am making the payments.? The loan payments are 646 a month which is hard for me to afford.? With this loan I will be in a more comfortable position to make payments every month.?

My financial situation:
I am a good candidate for this loan because? I am very responsible and I always pay my bills on time.? I pay my credit cards off every month, I rarely charge anything to my credit cards.? I am a Certified Veterinary Technician and have worked for a small company for?5 years.? Please help me lower my payments every month.? Thanks!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What type of work did your husband do before you had to hhelp pay his debt....and is he still working? Please answer publicly - XCWIZ007
A: He was working as a fire fighter and was laid off, he is now working only part time, also as a fire fighter, but does not make enough to pay the loan. (Mar-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
inspired-contract9$50.00$50.003/18/2010 4:26:05 PM
Microfinancer$25.00$25.003/18/2010 4:30:56 PM
flexible-value$31.00$31.003/18/2010 4:32:12 PM
credit-force5$25.00$25.003/18/2010 4:32:41 PM
lendersf$95.00$95.003/18/2010 4:33:06 PM
successful-euro$75.00$75.003/18/2010 4:34:08 PM
important-ore$100.00$100.003/18/2010 4:34:58 PM
nletunic$25.00$25.003/18/2010 4:34:35 PM
loan-warrior$25.00$25.003/18/2010 4:36:05 PM
skuba$50.00$50.003/18/2010 4:31:01 PM
unforgettable-order9$100.00$100.003/18/2010 4:35:29 PM
fightinjoe$25.00$25.003/18/2010 4:31:07 PM
courteous-fund9$25.00$25.003/18/2010 4:37:23 PM
contract-lotus$25.00$25.003/18/2010 4:40:44 PM
KandKLegacyInvestments$25.00$25.003/18/2010 4:43:12 PM
fiddlerzvi$25.00$25.003/18/2010 5:02:45 PM
lenderforyoutoday$50.00$50.003/18/2010 9:02:54 PM
CorMDNY$25.00$25.003/19/2010 3:23:45 AM
don8ter$60.00$60.003/19/2010 7:48:00 AM
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transparency-halo$25.00$25.003/19/2010 9:34:01 AM
BayShell$33.57$33.573/19/2010 10:58:22 AM
Zipperdu$50.00$50.003/19/2010 10:23:47 AM
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GElender$25.00$25.003/19/2010 12:38:48 PM
donmacprosper$25.00$25.003/19/2010 2:07:15 PM
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goodguy2000$25.00$25.003/19/2010 3:37:42 PM
Cheburashka$30.00$30.003/19/2010 2:42:30 PM
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anton$40.21$40.213/20/2010 9:02:17 AM
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rescue$500.00$500.003/21/2010 7:47:50 AM
aldenrains$25.00$25.003/21/2010 12:43:10 PM
gain-seagull9$25.00$25.003/22/2010 6:27:56 AM
Vennela$40.00$40.003/22/2010 9:33:13 AM
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Rivervale_Westwood$25.00$25.003/19/2010 6:18:52 AM
DeilaMiah$25.00$25.003/19/2010 9:33:04 AM
lively-point$25.00$25.003/19/2010 9:33:39 AM
peach17$25.00$25.003/19/2010 9:34:49 AM
jjb3$25.00$25.003/19/2010 9:35:30 AM
responsibility-euphoria0$25.00$25.003/19/2010 9:33:44 AM
GetItRight$25.00$25.003/19/2010 9:34:25 AM
Sam65$25.00$25.003/19/2010 12:51:55 PM
phredd$43.37$43.373/19/2010 1:00:07 PM
payment-gusto$25.00$25.003/19/2010 2:27:35 PM
hopethisworks$45.00$45.003/19/2010 3:28:57 PM
radforj22$25.00$25.003/20/2010 3:22:19 AM
selector568$300.00$300.003/20/2010 10:37:16 AM
rulender$50.00$50.003/20/2010 11:32:41 AM
auction-elvis$25.00$25.003/20/2010 11:07:18 AM
authentic-diversification$25.00$25.003/21/2010 11:39:28 AM
LoisLoan$25.00$25.003/21/2010 3:33:32 PM
xphile$25.00$25.003/22/2010 6:07:35 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:19 AM
GlocalPM$75.00$75.003/22/2010 8:47:24 AM
payogie$25.00$25.003/22/2010 9:34:42 AM
stable-money$25.00$25.003/22/2010 9:34:13 AM
Railbird$25.00$25.003/22/2010 9:35:57 AM
pawnshopman$25.00$25.003/22/2010 10:23:55 AM
spenrod$50.00$50.003/22/2010 10:02:36 AM
FlexFunding$100.00$100.003/22/2010 10:49:00 AM
bruin558$80.00$80.003/22/2010 10:49:10 AM
rmachi$25.00$25.003/22/2010 10:22:51 AM
credit-magician$25.00$25.003/22/2010 10:58:12 AM
lend_to_you$25.00$25.003/22/2010 11:08:40 AM
finman17$25.00$25.003/22/2010 11:54:08 AM
djs81$25.00$25.003/22/2010 11:33:11 AM
PCash$25.00$25.003/22/2010 11:59:13 AM
wampum-optimization$50.00$50.003/22/2010 12:42:27 PM
trident9$25.00$25.003/22/2010 12:48:10 PM
Divot$25.00$25.003/22/2010 5:30:17 PM
Cai8899$75.00$75.003/22/2010 5:36:23 PM
shrewd-deal$25.00$25.003/22/2010 5:40:10 PM
morpholog$25.00$25.003/22/2010 5:32:16 PM
latka_gravis$25.00$25.003/22/2010 6:52:15 PM
Steveoo1$25.00$25.003/22/2010 6:37:16 PM
GAOGERAM_BANK$25.00$25.003/22/2010 8:58:57 PM
Dreamconnection$25.00$25.003/22/2010 5:52:13 PM
tender-gold$25.00$25.003/22/2010 10:22:13 PM
Attract$25.00$25.003/23/2010 12:52:33 AM
TrixieD$25.00$25.003/22/2010 9:38:27 PM
afotherg$25.00$25.003/23/2010 7:07:22 AM
rjblack$37.64$37.643/23/2010 10:36:23 AM
cjohnson041$28.69$28.693/23/2010 10:00:27 AM
interest-satellite$25.00$25.003/23/2010 11:41:19 AM
TCayce$25.00$25.003/23/2010 11:48:22 AM
credit-investor5$27.82$27.823/23/2010 3:12:52 PM
bigdogsafety1$25.00$25.003/23/2010 1:42:56 PM
degster$25.00$25.003/23/2010 3:12:50 PM
thedoctor$26.34$26.343/23/2010 4:14:06 PM
credit-coach118$37.74$37.743/23/2010 4:17:24 PM
BigSurf$35.00$35.003/23/2010 7:27:47 PM
j2ee$25.00$25.003/23/2010 5:37:22 PM
yertle9$25.00$25.003/23/2010 8:57:27 PM
Dollars4Rent$25.00$25.003/23/2010 7:51:06 PM
Captain88$25.00$25.003/24/2010 5:13:16 AM
danfrphils$25.00$25.003/24/2010 1:51:36 AM
rate-fluffy-bunny$25.00$25.003/24/2010 4:48:10 AM
TK4$25.00$25.003/24/2010 5:13:10 AM
Tradesmanlender$25.00$25.003/24/2010 1:51:07 AM
steely_dan34$25.00$25.003/24/2010 5:53:03 AM
interest-exec9$25.00$25.003/24/2010 9:14:25 AM
Sixmil$25.00$25.003/24/2010 9:43:10 AM
chilichese$25.00$25.003/24/2010 9:41:13 AM
GenerousGentleMan$37.64$37.643/24/2010 10:02:57 AM
colorunner$25.00$25.003/24/2010 10:41:54 AM
lowrate$25.00$25.003/24/2010 10:41:58 AM
ashinvest$25.00$25.003/24/2010 10:42:23 AM
TheBlackSwordsMan$25.00$25.003/24/2010 10:42:03 AM
bmcg$25.00$25.003/24/2010 10:42:25 AM
flaloans$40.84$40.843/24/2010 10:42:13 AM
auction-rocket$25.00$25.003/24/2010 10:42:19 AM
Hokiemon$66.55$66.553/24/2010 10:42:54 AM
tombombadil$25.00$25.003/24/2010 10:42:56 AM
laststrawman$25.00$25.003/24/2010 10:43:00 AM
kanpur63$25.00$25.003/24/2010 10:43:02 AM
Iowa65$35.00$35.003/24/2010 10:43:24 AM
slojudy$25.00$25.003/24/2010 10:00:49 AM
donloah$25.00$25.003/24/2010 10:43:53 AM
StrongMoney$25.00$25.003/24/2010 10:43:50 AM
Emgolda$25.00$25.003/24/2010 10:44:03 AM
BiggestG$25.00$25.003/24/2010 10:05:29 AM
Lendomatic$25.00$25.003/24/2010 10:47:45 AM
Downs108$28.83$28.833/24/2010 10:47:56 AM
faldska$25.00$25.003/24/2010 10:49:19 AM
Hutpit$40.00$40.003/24/2010 10:50:49 AM
deal-dojo$26.66$26.663/24/2010 10:38:36 AM
szetheli$50.00$50.003/24/2010 10:41:55 AM
pbo922$25.00$25.003/24/2010 10:42:04 AM
lender1x$25.00$25.003/24/2010 10:42:14 AM
DrDavid63$25.00$25.003/24/2010 10:42:29 AM
TheBestDad$25.00$25.003/24/2010 10:43:31 AM
perlindc$100.00$100.003/24/2010 10:43:35 AM
DeathScythe676$25.00$25.003/24/2010 10:43:40 AM
Shockem923$25.00$25.003/24/2010 10:54:57 AM
enigmallc$50.00$50.003/24/2010 10:54:38 AM
justalender$25.00$25.003/24/2010 10:54:54 AM
Cluvnupe06$25.00$25.003/24/2010 10:55:03 AM
pawsitive$25.00$25.003/24/2010 10:55:49 AM
Banker7371$25.00$25.003/24/2010 10:55:52 AM
Gunny89$25.00$25.003/24/2010 10:47:54 AM
outtahoth2o$100.00$100.003/24/2010 10:59:21 AM
thegreatone$85.00$85.003/24/2010 10:57:08 AM
meux99$25.00$25.003/24/2010 10:57:21 AM
vtr1000$25.51$25.513/24/2010 10:51:05 AM
bobby4u3$25.00$25.003/24/2010 10:52:03 AM
chief_wo$25.00$25.003/24/2010 10:52:24 AM
lowestghost$25.00$25.003/24/2010 10:52:33 AM
zbfamwl$25.00$25.003/24/2010 10:54:37 AM
DukSerduk$25.00$25.003/24/2010 10:54:52 AM
personal-lender$25.00$25.003/24/2010 10:55:10 AM
pipopirate$25.00$25.003/24/2010 10:55:17 AM
sas19$25.00$25.003/24/2010 10:55:30 AM
sisterkate$25.00$25.003/24/2010 10:55:40 AM
Boxhead$25.00$25.003/24/2010 11:06:14 AM
OLYVRC$25.00$25.003/24/2010 10:55:54 AM
p1k4blu$25.00$25.003/24/2010 11:06:52 AM
ganoman21$25.00$25.003/24/2010 10:56:59 AM
deepventures$25.00$25.003/24/2010 11:07:05 AM
Jassi$25.00$25.003/24/2010 11:07:40 AM
NJNY$25.00$25.003/24/2010 11:07:52 AM
head$25.00$25.003/24/2010 11:08:17 AM
JoeMB$25.00$25.003/24/2010 11:09:10 AM
amijo$45.95$45.953/24/2010 11:09:42 AM
pi31415$25.00$25.003/24/2010 11:05:50 AM
Hoov$25.00$25.003/24/2010 11:17:51 AM
sajitk$25.00$25.003/24/2010 11:06:59 AM
secret-santa$25.00$25.003/24/2010 11:21:46 AM
beachbum22$25.00$25.003/24/2010 11:21:48 AM
secretidentity$25.00$25.003/24/2010 11:56:55 AM
marsciguy$25.00$25.003/24/2010 12:14:51 PM
alexstar$25.00$25.003/24/2010 11:57:56 AM
huorn$25.00$25.003/24/2010 12:54:42 PM
KeepOnRunning$29.91$15.403/24/2010 2:08:07 PM
latestone$25.00$25.003/24/2010 1:52:54 PM
Toony$25.00$25.003/24/2010 4:29:21 PM
investment-seeker7$25.00$25.003/24/2010 4:40:16 PM
Ven58$25.00$25.003/24/2010 4:39:15 PM
interstellar$50.00$50.003/24/2010 6:17:58 PM
poster177$60.00$60.003/24/2010 7:43:50 PM
BankofBeth$25.00$25.003/24/2010 7:06:34 PM
Richmp412$25.00$25.003/25/2010 8:38:02 AM
Auditman$50.00$50.003/25/2010 9:25:34 AM
wwwUniversal$25.00$25.003/25/2010 10:32:56 AM
rajs$150.00$150.003/25/2010 11:11:56 AM
hilsoon$25.00$25.003/25/2010 11:28:50 AM
powerful-finance7$25.00$25.003/25/2010 1:25:15 PM
evamkir$25.00$25.003/25/2010 11:35:11 AM
QsDad$25.00$25.003/25/2010 2:08:48 PM
dubois31$25.00$25.003/25/2010 2:34:20 PM
kermitdafrog$25.00$25.003/25/2010 1:13:34 PM
Winger$100.00$100.003/25/2010 1:36:48 PM
sun-funding$25.00$25.003/25/2010 1:44:18 PM
ultimatepaintball$25.00$25.003/25/2010 3:28:32 PM
broker558$25.00$25.003/25/2010 3:57:44 PM
BrLender$26.83$26.833/25/2010 3:49:56 PM
386 bids
 
Borrower Payment Dependent Notes Series 450881
This series of Notes was issued and sold upon the funding of the borrower loan #41531, 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-17-2010 
  Auction end date:  Mar-24-2010 
 
Starting lender yield: 22.05% Starting borrower rate/APR: 23.05% / 25.59% Starting monthly payment: $58.10
Final lender yield: 13.50% Final borrower rate/APR: 14.50% / 16.91% Final monthly payment: $51.63
 
Auction yield range: 8.04% - 22.05% Estimated loss impact: 6.80%  
Lender servicing fee: 1.00% Estimated return: 6.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1996 Debt/Income ratio: 26%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:5y 5m
Credit score: 660-679 (Mar-2010) Total credit lines: 12 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $3,459Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Volleyballplayer4 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 95% ) 660-679 (Latest)
Principal borrowed: $1,200.00< mo. late: 1 ( 5% )  
640-659 (Apr-2009)
660-679 (Jul-2008)
 
Principal balance: $325.50 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Check my other prosper loan! I Pay!
Purpose of loan:
This loan will be used to? pay off my Discover card where the interest rate has adjusted to 19%.
My financial situation:
I am a good candidate for this loan because?I understand the importance of credit and I will pay this loan on time. As you can see I have no late payments!?? Please see my other listing for more information.?I switched checking accounts right before my payment on my other prosper loan which caused me to be considered late and since I've had such a great experience with prosper thought it would be great to get a lower rate since credit cards are now adjusting interest rates for no reason at all. I haven't missed a payment on my Discover card and they still adjusted my rate. The monthly payments for this prosper loan would be far below what I can afford. My husband pays for the majority of expenses which is why my expenses are so low. I work for a company that provides legal services to law firms that handle foreclosures. It's a sad story but with what is going on at this time my job is very secure. I need this loan to come in at least 16% for it to be to my advantage since my current interest rate is 19%.

Monthly net income: $ 1900

Monthly expenses: $
??Housing: $ 0 (husband pays mortgage)
??Insurance: $ 97
??Car expenses: $?200 a month (gas)
??Utilities: $?0 (husband pays)
??Phone, cable, internet: $ 0 husband pays
??Food, entertainment: $ 125
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Unitas4302$200.00$200.003/18/2010 8:54:46 PM
Sol_Invictus$25.00$25.003/19/2010 8:56:50 AM
grammaspurse$25.00$25.003/22/2010 3:20:33 PM
Astyanax$30.00$30.003/23/2010 1:22:07 PM
nashibaksi$25.00$25.003/23/2010 7:04:43 PM
jsnryn$25.00$25.003/24/2010 7:28:55 AM
Mikale360$30.00$30.003/24/2010 7:04:15 AM
Champion_Lending$25.00$25.003/24/2010 12:07:03 PM
carrinel$50.00$50.003/24/2010 12:36:05 PM
nurat$57.21$57.213/24/2010 12:33:18 PM
Bekim$26.00$26.003/24/2010 1:13:26 PM
klemer$25.00$25.003/24/2010 2:30:16 PM
icon7$50.00$50.003/24/2010 3:43:12 PM
serene-capital$25.00$25.003/24/2010 3:46:05 PM
jpblan11$103.00$34.753/24/2010 3:59:58 PM
balanced-balance6$25.00$25.003/24/2010 4:01:18 PM
kinetic-social$50.00$50.003/24/2010 4:01:43 PM
LilyMax$100.00$100.003/22/2010 8:15:38 AM
fantastic-cash$25.00$25.003/23/2010 11:26:10 AM
rcs2003$54.19$54.193/23/2010 6:37:24 PM
wild-orange$50.00$50.003/24/2010 1:17:37 AM
Firescreek$25.00$25.003/24/2010 6:00:02 AM
Bank_of_Smitty33$26.02$26.023/24/2010 9:15:49 AM
cunning-compassion1$28.00$28.003/24/2010 1:27:25 PM
dpries123$25.00$25.003/24/2010 1:43:09 PM
enthusiastic-balance5$100.00$100.003/24/2010 1:48:36 PM
marwadi-62$100.00$100.003/24/2010 1:59:36 PM
Leshan$46.93$46.933/24/2010 3:53:16 PM
rajs$191.90$191.903/24/2010 2:03:13 PM
29 bids
 
Borrower Payment Dependent Notes Series 450943
This series of Notes was issued and sold upon the funding of the borrower loan #41510, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 14.03% Starting borrower rate/APR: 15.03% / 17.20% Starting monthly payment: $277.44
Final lender yield: 13.85% Final borrower rate/APR: 14.85% / 17.02% Final monthly payment: $276.74
 
Auction yield range: 6.04% - 14.03% Estimated loss impact: 5.23%  
Lender servicing fee: 1.00% Estimated return: 8.62%  
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-2000 Debt/Income ratio: 27%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 9Length of status:2y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,445Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: aggresive-value 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
I'm getting married...
Purpose of loan:
I am getting married and will be using the money for wedding expenses.

My financial situation:
I am a good candidate for this loan because I have an excellent?credit history?and have good income (along with my fiancee)?that will more than support the monthly payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$27.00$27.003/18/2010 4:27:26 PM
personal-lender$25.00$25.003/18/2010 4:32:46 PM
inspired-contract9$25.00$25.003/18/2010 4:33:25 PM
torion$25.00$25.003/18/2010 4:32:30 PM
successful-euro$50.00$50.003/18/2010 4:34:15 PM
integrity-doctor$50.00$50.003/18/2010 4:34:31 PM
chestnut4$25.00$25.003/18/2010 4:36:02 PM
fightinjoe$25.00$25.003/18/2010 4:33:18 PM
desertoasis$25.00$25.003/18/2010 4:41:17 PM
rapid-credit428$25.00$25.003/18/2010 4:36:35 PM
currency-shaker16$50.00$50.003/18/2010 4:37:27 PM
HHP$25.00$25.003/18/2010 4:40:30 PM
aasx1108$25.00$25.003/18/2010 6:37:52 PM
shrewd-peace7$25.00$25.003/18/2010 8:47:18 PM
Rogesparkguy$25.00$25.003/18/2010 10:18:54 PM
studious-bonus7$50.00$50.003/19/2010 5:11:16 AM
don8ter$25.00$25.003/19/2010 7:47:37 AM
engrossing-commerce$25.00$25.003/19/2010 9:33:50 AM
ms48105$25.00$25.003/19/2010 9:35:57 AM
Astounding$25.00$25.003/19/2010 10:49:48 AM
cathexis$25.00$25.003/19/2010 11:05:42 AM
LandE2BG$25.00$25.003/19/2010 11:15:30 AM
hawksfanmd$25.00$25.003/19/2010 12:04:26 PM
the-silver-blaster$40.00$40.003/19/2010 12:38:55 PM
3am-preacher$25.00$25.003/19/2010 12:39:42 PM
time4aloan$50.00$50.003/19/2010 12:52:13 PM
treasure-bliss$100.00$100.003/19/2010 12:40:10 PM
asdf9876$25.00$25.003/19/2010 1:00:19 PM
melodious-fairness$25.00$25.003/19/2010 1:08:36 PM
dsw6440$28.08$28.083/19/2010 12:58:45 PM
jstnow$25.00$25.003/19/2010 1:28:08 PM
medan20356$25.00$25.003/19/2010 1:32:23 PM
sharp-bill2$40.00$40.003/19/2010 2:42:43 PM
restless-currency$32.10$32.103/19/2010 3:47:41 PM
the-profit-oracle$25.00$25.003/19/2010 6:17:47 PM
Binan$25.00$25.003/20/2010 4:46:55 AM
aurorafinancial$50.00$50.003/20/2010 7:58:03 AM
orange-preeminant-bill$71.35$71.353/20/2010 8:37:22 AM
preventivepestcontrol$50.00$50.003/20/2010 8:44:32 AM
gnuey$25.00$25.003/20/2010 2:17:24 PM
commitment-farm$25.00$25.003/20/2010 4:17:21 PM
GElender$44.00$44.003/20/2010 7:27:20 PM
unforgettable-order9$45.85$45.853/21/2010 6:07:54 AM
responsibility-mulberry$25.00$25.003/21/2010 2:52:17 PM
greenback-mover704$50.00$50.003/21/2010 6:07:24 PM
first-upright-payout$25.00$25.003/21/2010 3:27:16 PM
TCR3$25.00$25.003/21/2010 9:12:27 PM
del30$25.00$25.003/21/2010 10:57:25 PM
illini08actuary$25.00$25.003/21/2010 7:07:49 PM
a-social-nebula$25.00$25.003/22/2010 4:00:35 AM
cordial-funds8$25.00$25.003/22/2010 4:00:41 AM
Billfred$25.00$25.003/22/2010 5:27:54 AM
Lender0010$50.00$50.003/22/2010 7:07:19 AM
Vegasjim$25.00$25.003/22/2010 4:00:42 AM
KrazyCelticKid$75.00$75.003/22/2010 4:00:13 AM
supreme-hope$25.00$25.003/22/2010 9:17:36 AM
moola-man$30.00$30.003/22/2010 9:23:52 AM
Havana21$50.00$50.003/22/2010 9:25:21 AM
versatile-platinum4$25.00$25.003/22/2010 9:32:42 AM
demoseal$25.00$25.003/22/2010 9:33:46 AM
payogie$25.00$25.003/22/2010 9:35:54 AM
helping-out$25.00$25.003/22/2010 9:25:33 AM
Ciphernetic$25.00$25.003/22/2010 10:23:49 AM
gecko68$25.00$25.003/22/2010 10:03:49 AM
pawnshopman$25.00$25.003/22/2010 10:28:39 AM
chicco$56.00$56.003/22/2010 10:11:53 AM
bxdoc$250.00$250.003/22/2010 10:50:06 AM
Musicman1950$25.00$25.003/22/2010 10:23:20 AM
radforj22$25.00$25.003/22/2010 10:52:23 AM
impeccable-transparency$26.41$26.413/22/2010 10:52:44 AM
ronow22$25.00$25.003/22/2010 10:29:09 AM
teller$25.00$25.003/22/2010 10:56:29 AM
leverage-accruer$25.00$25.003/22/2010 10:56:55 AM
akahoss$25.00$25.003/22/2010 10:29:23 AM
kirklandrealtor$25.00$25.003/22/2010 10:36:54 AM
minista$25.00$25.003/22/2010 10:58:18 AM
wonderful-balance7$25.00$25.003/22/2010 10:49:57 AM
tsui517$25.00$25.003/22/2010 10:51:32 AM
kbodendorf$25.00$25.003/22/2010 10:52:41 AM
drumcorpsnut$44.85$44.853/22/2010 10:52:27 AM
sumac5$150.00$150.003/22/2010 10:52:33 AM
jrbill1998$50.00$50.003/22/2010 10:55:27 AM
marilyn7$25.00$25.003/22/2010 11:11:47 AM
goodken$25.00$25.003/22/2010 10:58:05 AM
reinforced-deal8$50.00$50.003/22/2010 10:57:50 AM
ciccio70$25.00$25.003/22/2010 10:58:33 AM
responsible-investment0$50.00$50.003/22/2010 10:58:51 AM
Eric15378$100.00$100.003/22/2010 11:11:15 AM
shingu79$25.97$25.973/22/2010 11:25:27 AM
Headhunter14$25.00$25.003/22/2010 11:28:39 AM
Skyminor$40.00$40.003/22/2010 11:15:45 AM
mommyhelper$25.00$25.003/22/2010 11:16:02 AM
unrivaled-justice$25.00$25.003/22/2010 11:28:37 AM
brightest-asset-healer$25.00$25.003/22/2010 11:28:42 AM
HarleyBoy$25.00$25.003/22/2010 12:07:36 PM
cloud8$30.00$30.003/22/2010 12:38:15 PM
792FICO$25.00$25.003/22/2010 12:33:48 PM
treasure-transporter$25.00$25.003/22/2010 12:39:56 PM
rate-gravity$100.00$100.003/22/2010 1:22:46 PM
BeemerRider$25.00$25.003/22/2010 1:29:55 PM
CarDealer3070$25.00$25.003/22/2010 1:57:31 PM
Ciphernetic$45.00$45.003/22/2010 1:53:33 PM
Citytrustbankerguy$25.00$25.003/22/2010 2:18:05 PM
loan-master996$41.21$41.213/22/2010 3:13:45 PM
fcukciti$39.98$39.983/22/2010 2:27:23 PM
diversification-medalist$25.00$25.003/22/2010 3:13:54 PM
Avala$50.00$50.003/18/2010 4:32:39 PM
delicious-social132$25.00$25.003/18/2010 4:32:59 PM
bonus-adventure3$25.00$25.003/18/2010 4:33:33 PM
flexible-value$26.00$26.003/18/2010 4:34:04 PM
HedgeFund$40.00$40.003/18/2010 4:36:17 PM
ddog0224$25.00$25.003/18/2010 4:36:29 PM
Clambake$50.00$50.003/18/2010 4:32:16 PM
important-ore$50.00$50.003/18/2010 4:35:11 PM
a-finance-nirvana$25.00$25.003/18/2010 4:56:36 PM
kanakakm$25.00$25.003/18/2010 6:03:28 PM
kmr2$36.79$36.793/18/2010 8:02:39 PM
aganippe$25.00$25.003/18/2010 9:32:21 PM
MissionMicroFinance$25.00$25.003/18/2010 8:27:26 PM
calilending$25.00$25.003/19/2010 12:43:42 AM
Rivervale_Westwood$25.00$25.003/19/2010 6:19:00 AM
bonus-patriot$25.00$25.003/19/2010 6:07:21 AM
steamboatgal$25.00$25.003/19/2010 7:32:33 AM
SanCarlos$100.00$100.003/19/2010 6:22:19 AM
webfeet$25.00$25.003/19/2010 8:20:33 AM
asset-professor$25.00$25.003/19/2010 7:44:10 AM
ctgscott$25.00$25.003/19/2010 9:33:32 AM
averagefore$25.00$25.003/19/2010 9:48:49 AM
inspiring-reward$28.39$28.393/19/2010 10:07:48 AM
awwaww$25.00$25.003/19/2010 9:36:50 AM
lendme2$45.67$45.673/19/2010 10:57:29 AM
bchen78875$25.00$25.003/19/2010 11:41:04 AM
KeyS80$50.00$50.003/19/2010 12:21:02 PM
progressive-asset$26.96$26.963/19/2010 12:07:08 PM
kmfreymi$25.00$25.003/19/2010 12:40:15 PM
lounges$25.00$25.003/19/2010 12:48:19 PM
boater01$50.00$50.003/19/2010 1:00:17 PM
JGB$25.00$25.003/19/2010 12:50:22 PM
Microfinancer$25.00$25.003/19/2010 12:52:44 PM
exchange-fountain$25.00$25.003/19/2010 1:00:22 PM
figs4u2$34.38$34.383/19/2010 1:53:51 PM
lloyd_s$25.00$25.003/19/2010 1:13:07 PM
dynamic-rupee$25.00$25.003/19/2010 1:53:55 PM
intelligent-yield$25.00$25.003/19/2010 2:27:32 PM
halothane_logic$25.00$25.003/19/2010 2:42:18 PM
tenacious-compassion9$25.00$25.003/19/2010 3:17:30 PM
macjp123$25.00$25.003/19/2010 2:57:29 PM
Lilred7879$27.56$27.563/19/2010 3:43:41 PM
gulch$25.00$25.003/19/2010 7:42:33 PM
selector568$300.00$300.003/20/2010 10:37:15 AM
Tahoeguy$50.00$50.003/20/2010 11:32:15 AM
auction-elvis$25.00$25.003/20/2010 11:12:52 AM
integrity-broker$25.00$25.003/20/2010 5:37:23 PM
frobin$25.00$25.003/20/2010 6:42:26 PM
value-rocket$25.00$25.003/21/2010 4:10:52 AM
aldenrains$25.00$25.003/21/2010 7:54:27 AM
rescue$250.00$250.003/21/2010 7:48:36 AM
mg6619$25.00$25.003/21/2010 7:12:20 AM
money-explorer3$25.00$25.003/21/2010 2:05:36 PM
harmonious-revenue7$50.00$50.003/21/2010 5:52:19 PM
bold-principal-thinker$25.00$25.003/21/2010 7:33:47 PM
jokerj006$25.00$25.003/22/2010 4:00:40 AM
nletunic$25.00$25.003/22/2010 4:00:46 AM
veverka$25.00$25.003/22/2010 6:53:03 AM
dollar-birdie$25.00$25.003/22/2010 2:52:26 AM
RetiredATC$25.00$25.003/22/2010 4:00:45 AM
awm$25.00$25.003/22/2010 4:07:23 AM
zeraphm$25.00$25.003/22/2010 8:37:19 AM
skuba$25.00$25.003/22/2010 9:24:57 AM
phredd$25.36$25.363/22/2010 7:19:15 AM
circustab$50.00$50.003/22/2010 8:06:55 AM
KandKLegacyInvestments$25.00$25.003/22/2010 8:07:14 AM
CommerciaLender$25.00$25.003/22/2010 8:17:47 AM
BouckshireInvestments$25.00$25.003/22/2010 8:47:23 AM
xrycac$25.00$25.003/22/2010 8:32:31 AM
srgriff$25.00$25.003/22/2010 9:23:46 AM
hrubinst$25.00$25.003/22/2010 9:43:24 AM
1phantom$40.00$40.003/22/2010 9:25:02 AM
bold-durability-drum$25.00$25.003/22/2010 9:25:09 AM
nourishing-interest0$25.00$25.003/22/2010 9:24:42 AM
top-silver-american$25.00$25.003/22/2010 9:25:05 AM
Banker7371$25.00$25.003/22/2010 9:25:23 AM
bold-careful-finance$25.00$25.003/22/2010 9:33:25 AM
victorcab$35.00$35.003/22/2010 10:18:53 AM
credit-kahuna$25.12$25.123/22/2010 10:55:17 AM
BuffetRocks$47.05$47.053/22/2010 10:56:21 AM
nybanker85$25.00$25.003/22/2010 10:56:46 AM
tallmon$25.00$25.003/22/2010 10:57:06 AM
slartibardfast$25.00$25.003/22/2010 10:57:36 AM
mgoehring$100.00$100.003/22/2010 10:58:19 AM
NR$25.00$25.003/22/2010 10:49:15 AM
DDHMoney$25.00$25.003/22/2010 11:08:27 AM
apostle901$25.00$25.003/22/2010 10:52:29 AM
Aimvest$25.00$25.003/22/2010 10:55:16 AM
jamiee73$25.00$25.003/22/2010 10:54:52 AM
hitsman$50.00$50.003/22/2010 10:56:34 AM
natural-greenback6$25.00$25.003/22/2010 10:56:44 AM
uwinwewin$25.00$25.003/22/2010 10:57:12 AM
CASHGIRL$40.00$40.003/22/2010 10:57:40 AM
analogman$25.00$25.003/22/2010 11:11:17 AM
Speculator$38.37$38.373/22/2010 10:56:51 AM
tripnosis$25.00$25.003/22/2010 10:57:01 AM
success1001$50.00$50.003/22/2010 10:57:11 AM
redx$25.00$25.003/22/2010 11:11:39 AM
benefit-squirrel$30.00$30.003/22/2010 10:57:38 AM
lend_to_you$25.00$25.003/22/2010 11:08:50 AM
350DGRZ$25.00$25.003/22/2010 11:16:16 AM
b0b$25.00$25.003/22/2010 11:28:14 AM
cnovak$25.00$25.003/22/2010 11:28:25 AM
market-atlantis$25.00$25.003/22/2010 11:29:10 AM
stockpiler079$25.00$25.003/22/2010 11:14:55 AM
thestartuplender$35.00$35.003/22/2010 11:33:27 AM
sophisticated-ore$25.00$25.003/22/2010 11:28:38 AM
debt-system880$25.00$25.003/22/2010 11:29:18 AM
PCash$25.00$25.003/22/2010 11:57:18 AM
burgeoning-silver$25.00$25.003/22/2010 11:57:37 AM
mightymousemom$25.00$25.003/22/2010 12:15:11 PM
wampum-cocktail$25.00$25.003/22/2010 12:28:18 PM
hss46$25.00$25.003/22/2010 12:40:04 PM
Unclejohn$35.00$35.003/22/2010 12:37:46 PM
oldguybiker$25.00$25.003/22/2010 12:42:41 PM
Akita-Inu$25.00$25.003/22/2010 1:47:17 PM
deal-dojo$25.00$25.003/22/2010 1:22:22 PM
bountiful-bazaar$25.00$25.003/22/2010 1:44:18 PM
Dglue2gether$25.00$25.003/22/2010 3:05:14 PM
newgroom422$25.00$25.003/22/2010 3:13:48 PM
payment-piledriver$25.00$0.553/22/2010 3:22:34 PM
funds-enlightenment4$25.00$25.003/22/2010 2:37:36 PM
Kulchar$25.00$25.003/22/2010 3:13:56 PM
Torero06$25.00$25.003/22/2010 4:40:11 PM
230 bids
 
Borrower Payment Dependent Notes Series 451009
This series of Notes was issued and sold upon the funding of the borrower loan #41611, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-18-2010 
  Auction end date:  Mar-22-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $151.81
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $149.57
 
Auction yield range: 11.04% - 26.38% 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-1999 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:4y 10m
Credit score: 700-719 (Mar-2010) Total credit lines: 7 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $1,815Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: forthright-dime16 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cleaning My Slate
Purpose of loan:
This loan will be used to? Pay off Medical and credit card bills ranging from10%-29% rate. I want to make 1 payment with a great rate.

My financial situation:
I am a good candidate for this loan because? I have pretty good credit and I have a very Secure and Stable job.

Monthly net income: $ 2,854.80

Monthly expenses: $1,755.00
??Housing: $ 625.00
??Insurance: $ 45.00
??Car expenses: $ 50.00
??Utilities: $ 165.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $50.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
oldmora$25.00$25.003/18/2010 4:24:23 PM
Purposeful$25.00$25.003/18/2010 4:25:46 PM
Kaj$25.00$25.003/18/2010 4:24:16 PM
greenwell$25.00$25.003/18/2010 4:31:31 PM
Cai8899$30.00$30.003/18/2010 4:29:44 PM
personal-lender$25.00$25.003/18/2010 4:29:54 PM
orange-courageous-dedication$30.00$30.003/18/2010 4:30:01 PM
Rattlehead$25.00$25.003/18/2010 4:31:53 PM
elevated-platinum5$25.00$25.003/18/2010 4:30:10 PM
CarDealer3070$30.00$30.003/18/2010 4:30:32 PM
Speculator$75.40$75.403/18/2010 4:34:01 PM
successful-euro$40.00$40.003/18/2010 4:29:04 PM
nletunic$25.00$25.003/18/2010 4:29:35 PM
Streetfighter$25.00$25.003/18/2010 4:35:22 PM
hope-equation$50.00$50.003/18/2010 4:29:49 PM
SBT$25.00$25.003/18/2010 4:31:15 PM
integrity-doctor$50.00$50.003/18/2010 4:35:41 PM
asset-professor$35.00$35.003/18/2010 4:31:26 PM
magnolia161$25.00$25.003/18/2010 4:33:40 PM
joee$25.00$25.003/18/2010 4:34:19 PM
HHP$25.00$25.003/18/2010 4:40:23 PM
Havana21$50.00$50.003/18/2010 4:45:48 PM
orange-preeminant-bill$55.69$55.693/18/2010 4:43:43 PM
wise-courageous-social$25.00$25.003/18/2010 4:45:29 PM
irrelevant$25.00$25.003/18/2010 4:43:23 PM
jmcdon7230$25.00$25.003/18/2010 5:29:28 PM
JustMee$25.00$25.003/18/2010 5:01:54 PM
aasx1108$25.00$25.003/18/2010 6:38:05 PM
reflective-rupee$100.00$100.003/18/2010 5:29:44 PM
Bob450$25.00$25.003/18/2010 7:55:59 PM
efficient-principal$25.00$25.003/18/2010 8:23:48 PM
mrrc7498$25.00$25.003/18/2010 10:52:21 PM
shrewd-peace7$25.00$25.003/18/2010 8:42:20 PM
new-peso-concerto$25.00$25.003/19/2010 6:44:48 AM
wwwUniversal$25.00$25.003/19/2010 7:27:36 AM
steamboatgal$25.00$25.003/19/2010 7:27:23 AM
treasure-bliss$28.39$28.393/19/2010 8:22:34 AM
cwswdh$25.00$25.003/19/2010 7:37:26 AM
LuvToLend$25.00$25.003/19/2010 8:02:21 AM
kurg$25.00$25.003/19/2010 8:38:29 AM
exact-loan5$30.00$30.003/19/2010 8:47:39 AM
piter-to-la-investment$25.00$25.003/19/2010 9:02:32 AM
SignatureCapital$25.00$25.003/19/2010 10:30:51 AM
charming-point$300.00$300.003/19/2010 8:32:03 PM
spiff666$25.00$25.003/20/2010 8:35:46 AM
brilliant-balance$25.00$25.003/21/2010 3:45:58 PM
sympathetic-asset$25.00$25.003/18/2010 4:30:40 PM
nrowland$25.00$25.003/18/2010 4:31:18 PM
AF_Trust$25.00$25.003/18/2010 4:30:17 PM
chicagoman$25.00$25.003/18/2010 4:30:37 PM
ukstevenhawaii$50.00$50.003/18/2010 4:30:45 PM
social-conductor4$25.00$25.003/18/2010 4:23:51 PM
rhin0cerx$50.00$50.003/18/2010 4:31:22 PM
deegeeman$50.00$50.003/18/2010 4:31:38 PM
inspiring-reward$150.00$150.003/18/2010 4:34:47 PM
rooosta$25.00$25.003/18/2010 4:35:03 PM
martinnc$25.00$25.003/18/2010 4:35:06 PM
asiaratt$100.00$100.003/18/2010 4:35:17 PM
secobarbital$25.00$25.003/18/2010 4:29:40 PM
kmfreymi$25.00$25.003/18/2010 4:35:37 PM
heatherwood$50.00$50.003/18/2010 4:34:53 PM
Zolton$200.00$200.003/18/2010 4:30:06 PM
honorable-yield$35.00$35.003/18/2010 4:30:23 PM
bountiful-bazaar$25.00$25.003/18/2010 4:35:13 PM
HedgeFund$25.00$25.003/18/2010 4:36:20 PM
unforgettable-order9$25.00$25.003/18/2010 4:35:32 PM
red_spade$26.00$26.003/18/2010 4:35:47 PM
greatwhiteninja$25.00$25.003/18/2010 4:36:52 PM
skuba$25.00$25.003/18/2010 4:31:35 PM
listing-trapper3$50.00$50.003/18/2010 4:31:41 PM
red-favorable-basis$25.00$25.003/18/2010 4:31:46 PM
AF-Chief$28.00$28.003/18/2010 4:36:41 PM
brother_tam$50.00$50.003/18/2010 4:36:57 PM
natural-greenback6$25.00$25.003/18/2010 4:38:20 PM
cashonhand$25.00$25.003/18/2010 4:33:36 PM
mercuriant$25.00$25.003/18/2010 4:41:01 PM
intelligent-yield$25.00$25.003/18/2010 4:41:07 PM
KrazyCelticKid$33.83$33.833/18/2010 4:40:11 PM
supreme-hope$25.00$25.003/18/2010 4:42:12 PM
desertoasis$25.00$25.003/18/2010 4:38:04 PM
burrito6$25.00$25.003/18/2010 4:38:47 PM
djh47a$25.00$25.003/18/2010 4:54:23 PM
time4aloan$30.00$30.003/18/2010 4:39:07 PM
helping-out$30.00$30.003/18/2010 4:55:41 PM
mg6619$25.00$25.003/18/2010 4:43:32 PM
SolarMoonshine$25.00$25.003/18/2010 5:39:31 PM
hopethisworks$25.00$25.003/18/2010 7:52:39 PM
bnlforever$25.00$25.003/18/2010 7:52:32 PM
ok$25.00$25.003/18/2010 8:42:26 PM
kmprospeo$50.00$50.003/18/2010 8:52:39 PM
Turtlebear44$25.00$25.003/19/2010 12:04:07 AM
nourishing-interest0$25.00$25.003/19/2010 3:02:24 AM
Shepherd7$25.00$25.003/19/2010 4:44:11 AM
nerdfactor$25.00$25.003/18/2010 11:07:26 PM
bazaar-pizza$100.00$100.003/19/2010 12:09:40 AM
Nickle-and-Dime-Loans$25.00$12.693/19/2010 9:32:57 AM
order-bee1$100.00$100.003/20/2010 3:12:25 PM
97 bids
 
Borrower Payment Dependent Notes Series 451059
This series of Notes was issued and sold upon the funding of the borrower loan #41617, 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:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 20.05% Starting borrower rate/APR: 21.05% / 23.30% Starting monthly payment: $188.50
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 21.22% Final monthly payment: $183.28
 
Auction yield range: 8.04% - 20.05% Estimated loss impact: 8.42%  
Lender servicing fee: 1.00% Estimated return: 9.58%  
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-1997 Debt/Income ratio: 33%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 15Length of status:8y 9m
Credit score: 700-719 (Mar-2010) Total credit lines: 50 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $40,261Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Flynavy99 Borrower's state: California Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Feb-2008)
600-619 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
In vitro Fertilization
Purpose of loan:
This loan will be used to fund in vitro fertilization.? I am a military officer and have full medical care.? The only thing they won't cover is the cost actually doing the IVF.? This process is very expensive ($8000-10000).? My wife and I are both healthy and athletic, but we have the same cystic fibrosis gene and don't think we could handle a special needs child with my deployment status.

My financial situation:
I am a good candidate for this loan because I have borrowed on prosper before and paid off in full.? We have just recently bought a home and are settling in to a very good life, but used our savings to get a very good rate on our home (4.5%).? I also receive a sizable flight bonus ($25000) each year.? My next payment comes next Jan.? Your loan will allow us to start our family now, while my deployment schedule is low and I can be home with family.? When my bonus comes I will pay off the loan.

Our high credit utilization is driven by the costs to furnish and set up our house.? My credit utilization used to be in the low 40-45% range.? The recent reduction of my credit available during the financial downturn have driven it to the current high level with little to no spending (frustrating). ??

Monthly net income: $ My income is approximately $8400/month plus the $25,000/year bonus.? My wife makes another $4800/month, but it is not allowed to be listed in the official income.

Thank you for reading our submission!

Sean and Kate

Monthly expenses: $
??Housing: $ 4450
??Insurance: $ 157
??Car expenses: $ 1200
??Utilities: $ 500
??Phone, cable, internet: $ 500
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 1200
? College for both of us: $ 1400
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please provide an explanation for AND a detailed breakdown of the $40k in revolving credit. Thanks. - jaesposito
A: There already is an explanation for the credit usage in the write up. I just bought a house and we furnished it. As far as a breakdown, I don't care to spend the time on that endeavor. It is credit card debt. Not much more needs to be said. Thank you for your interest. (Mar-26-2010)
Q: According to military pay tables, an O-3 in the Navy with 18+ years of service makes $6355.80 per month. Adding in the highest level of flight pay (14+ years) is another $840. Can you explain why your salary is higher than expected? - ag-ventures
A: I have been in 9 years, so I receive O-3 over 8, plus food, flight pay, and housing which is amongst the highest in the country here in Ventura, CA. Starting to become frustrated with these kinds of questions with a funded loan. Why would I attempt to lie? My income is three times the average of borrowers on this site. When I added it up, I actually shorted it $400 a month. Prosper verifies incomes you know. Here is my LES box. BASE PAY 5373 BAS 223 BAH 2598 FLY PAY 650 (Mar-26-2010)
Q: Navy, thank you for your service to our country, when I was stationed on a supply ship, I loved pulling along side those carriers - I appreciate all that you do!! - clemclan
A: Thank you for your service! (Mar-28-2010)
Q: Just a word of advice, not a question...Your responses are not welcoming other bidders (they seem almost hostile.) The more information you give,the more biiders you attract. People will be willing to place more dollars at a lower rate on your loan - Your_Bank
A: Thank you for your view of the situation, but I disagree. I have received some real detailed statements, not questions, that were more about "helping me get financially sound." I just bought a $750,000 house at 4.5 percent and furnished it in the middle of a financial crises that removed all of our credit that I have had for years. Our plans to have a child now changed. I max out my wife's 403, max out our IRAs, but just don't have savings. I don't need financial advice, just a quick loan. (Mar-28-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
dloan$25.00$25.003/22/2010 5:18:23 PM
loyalist1$25.00$25.003/23/2010 1:17:19 PM
tom4bama$25.00$25.003/23/2010 8:07:11 PM
ptjg$50.00$50.003/24/2010 11:03:19 AM
_SCI_$25.00$25.003/25/2010 12:12:20 PM
pietro_torna_indietro$54.86$54.863/25/2010 10:38:57 AM
Bank_Of_XL$100.00$100.003/25/2010 2:46:49 PM
COCHINOBOY$40.00$40.003/25/2010 6:17:32 PM
houli123$3,000.00$1,362.563/25/2010 11:20:54 PM
funds-rascal$400.00$400.003/25/2010 8:52:48 PM
thrilling-nickel5$25.00$25.003/26/2010 4:27:49 AM
KapitalX$26.00$26.003/26/2010 2:55:13 AM
PrepWonder$25.00$25.003/26/2010 1:42:18 PM
trade-goblin9$25.00$25.003/26/2010 2:38:34 PM
nalaari$50.00$50.003/26/2010 3:56:18 PM
Gandalf0001$25.00$25.003/26/2010 7:11:51 PM
ddoneday$41.97$41.973/27/2010 4:39:20 AM
giantfan19$35.00$35.003/26/2010 9:13:45 PM
Spraydawg$51.85$51.853/26/2010 9:48:08 PM
jhouman$25.00$25.003/26/2010 10:08:13 PM
Gaelicman$53.82$53.823/27/2010 10:44:30 AM
clemclan$25.00$25.003/27/2010 4:29:48 PM
vutah$25.00$25.003/27/2010 10:28:26 PM
supreme-hope$25.00$25.003/28/2010 9:15:20 PM
Isotope$25.00$25.003/28/2010 4:31:07 PM
Fun54115$25.00$25.003/29/2010 7:06:41 AM
FinanceEngine$25.00$25.003/28/2010 9:52:31 PM
Leshan$25.00$25.003/29/2010 7:42:45 AM
Champ3295$26.16$26.163/29/2010 9:20:22 AM
nalaari$31.57$31.573/29/2010 6:22:29 AM
Flshedman$50.00$50.003/29/2010 6:55:21 AM
steady-dime$25.00$25.003/29/2010 7:09:22 AM
Frosty$50.00$50.003/29/2010 7:52:05 AM
PotBellyPete$25.00$25.003/29/2010 7:56:18 AM
justice-hawk$200.00$200.003/29/2010 11:07:32 AM
fireferd$25.00$25.003/29/2010 2:21:50 PM
SCRUGZY$25.00$25.003/29/2010 2:59:23 PM
wphmd$25.00$25.003/22/2010 6:19:17 PM
USMP$100.00$100.003/23/2010 10:42:38 AM
kccameo$25.00$25.003/24/2010 6:53:20 PM
charitycoon$25.00$25.003/24/2010 9:23:33 PM
LilyMax$100.00$100.003/25/2010 12:01:10 PM
srthsvghdthtr$25.00$25.003/25/2010 11:22:57 PM
iflyforfun$25.00$25.003/25/2010 11:23:06 PM
Nasdaq$25.00$25.003/25/2010 8:32:14 PM
ronin4sale$25.00$25.003/26/2010 7:43:01 AM
grammaspurse$25.00$25.003/26/2010 12:07:07 PM
Tazeme$25.00$25.003/26/2010 3:04:10 PM
Personal-Bond$50.00$50.003/26/2010 5:24:11 PM
ag-ventures$25.00$25.003/26/2010 11:53:53 PM
truth-trapper$100.00$100.003/27/2010 12:20:40 AM
x01440$55.00$55.003/27/2010 6:16:28 AM
brother_tam$100.00$100.003/27/2010 9:24:43 AM
Dollars4Rent$25.00$25.003/27/2010 9:07:18 AM
sigep787$46.97$46.973/27/2010 10:21:17 AM
coup173$100.00$100.003/27/2010 4:42:25 PM
AF-Chief$45.00$45.003/28/2010 8:01:28 AM
gjm6d$25.00$25.003/28/2010 9:57:07 AM
loanman2007$200.00$200.003/28/2010 7:16:35 AM
mlj0671$25.00$25.003/28/2010 7:18:59 PM
loss-of-control$25.00$25.003/28/2010 4:06:35 PM
exchange-cowbell5$100.00$100.003/28/2010 7:36:11 PM
jeffe43$50.00$50.003/28/2010 6:32:19 PM
enthusiastic-point$25.00$25.003/29/2010 7:21:30 AM
smart-gold$25.00$25.003/28/2010 10:06:45 PM
dmk2006$25.00$25.003/29/2010 8:46:46 AM
dammage$25.00$25.003/29/2010 7:11:23 AM
cleo1255$50.00$50.003/29/2010 9:43:43 AM
justice-hawk$224.24$224.243/29/2010 11:34:26 AM
pureliquidhw$25.00$25.003/29/2010 1:30:41 PM
gothampark$25.00$25.003/29/2010 1:51:04 PM
Your_Bank$25.00$25.003/29/2010 2:42:36 PM
asya$30.00$30.003/29/2010 2:55:58 PM
73 bids
 
Borrower Payment Dependent Notes Series 451067
This series of Notes was issued and sold upon the funding of the borrower loan #41626, 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:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $161.70
 
Auction yield range: 11.04% - 26.38% 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-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:14y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,253Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: marketplace-papyrus 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
Consolidate Business Debt
Purpose of loan:
This loan will be used to?pay off a high interest business credit card and give my company the ability to increase sales through a different method of advertising.? Currently I travel to many shows to sell my products.? This funding will allow me to travel less, thus reducing expenses while increasing my client base.
My financial situation:
I am a good candidate for this loan because? I created this business five years ago and sales have increased more than 100% each year, even during the poor economy.???While I am self employed my husband has been with his company for 20 years and his salary pays for the household expenses listed including the home that we own.? I am not listed as a home owner because our debt to income ratio was low enough that my husband could?qualify as sole borrower.? We bought our home?less than 60 days after the market crash, and my self employment was considered a negative at that time to underwriters.

Additionally, as my profit from my company increases I am using that increase in my income to reduce my debt obligations.? Increasing sales and profit for my company will keep me moving toward the goal of being debt free.??

Monthly net income: $ 8000.00

Monthly expenses: $ 1275.00
??Housing: $
??Insurance: $ 250.00
??Car expenses: $ 100.00
??Utilities: $ 25.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?
??Clothing, household expenses $ 50.00????
??Credit cards and other loans: $ 750.00????????????
??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 is the product that you are selling? - prov1022
A: I sell custom designed items for the equestrian industry. (Mar-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
social-conductor4$25.00$25.003/22/2010 4:19:35 PM
bmarch$25.00$25.003/22/2010 4:20:15 PM
successful-euro$40.00$40.003/22/2010 4:21:17 PM
treasure-bliss$100.00$100.003/22/2010 4:22:13 PM
seisen$50.00$50.003/22/2010 4:22:19 PM
momoney2lend$25.00$25.003/22/2010 4:22:51 PM
rupee-artisan$25.00$25.003/22/2010 4:20:22 PM
Kaj$25.00$25.003/22/2010 4:20:48 PM
AF-Chief$28.00$28.003/22/2010 4:21:25 PM
Cai8899$30.00$30.003/22/2010 4:27:38 PM
orange-preeminant-bill$100.00$100.003/22/2010 4:22:45 PM
nletunic$25.00$25.003/22/2010 4:27:22 PM
enchanted-note$50.00$50.003/24/2010 5:01:50 PM
loss-of-control$50.00$50.003/24/2010 7:14:07 PM
loss-of-control$50.00$50.003/24/2010 7:14:25 PM
exchange-cowbell5$25.00$25.003/24/2010 10:31:28 PM
new-peso-concerto$33.00$33.003/25/2010 6:38:53 AM
UCLA4life$25.00$25.003/26/2010 9:37:50 AM
mckhbnpc$25.00$25.003/26/2010 2:17:17 PM
wise-courageous-social$25.00$25.003/26/2010 6:38:10 PM
Gaelicman$100.00$100.003/26/2010 9:37:10 PM
kendigme$41.25$41.253/27/2010 5:58:50 AM
cobramonkey$50.00$50.003/27/2010 10:23:28 AM
joebob78$50.00$50.003/27/2010 11:55:24 AM
LuvToLend$25.00$25.003/27/2010 11:48:17 PM
kendigme$25.00$25.003/28/2010 7:13:06 AM
UBOtto186$30.00$30.003/28/2010 8:29:59 AM
gjm6d$25.00$25.003/28/2010 9:57:47 AM
finance-prescription$500.00$500.003/29/2010 7:56:53 AM
grnii78$100.00$100.003/29/2010 8:16:16 AM
ayiticheri$25.00$25.003/29/2010 4:48:49 AM
BDS$41.68$41.683/29/2010 7:03:14 AM
vdubbora$50.00$50.003/29/2010 10:27:52 AM
dano1965$25.00$25.003/29/2010 9:28:27 AM
draggon77$25.00$25.003/29/2010 11:32:50 AM
Bob450$50.00$50.003/29/2010 11:35:41 AM
friendinmoney$37.19$37.193/29/2010 2:57:02 PM
SignatureCapital$25.00$25.003/29/2010 2:44:50 PM
ultimate-peace$425.00$425.003/29/2010 4:08:14 PM
Purposeful$25.00$25.003/22/2010 4:21:01 PM
shrewd-peace7$25.00$25.003/22/2010 4:21:46 PM
oldmora$25.00$25.003/22/2010 4:20:54 PM
secobarbital$25.00$25.003/22/2010 4:27:25 PM
Zolton$200.00$100.013/22/2010 4:28:10 PM
gizzywump$25.00$25.003/22/2010 4:23:12 PM
personal-lender$25.00$25.003/22/2010 4:27:54 PM
hope-equation$50.00$50.003/22/2010 4:27:48 PM
irrelevant$25.00$25.003/22/2010 4:38:33 PM
charming-point$300.00$300.003/23/2010 7:14:15 AM
foothillender$25.00$25.003/24/2010 7:33:36 AM
JeffHoll$50.00$50.003/25/2010 1:57:46 PM
bid-papyrus$25.00$25.003/25/2010 4:22:01 PM
knight3136$25.00$25.003/26/2010 3:07:36 PM
LoanerPrincipal$35.00$35.003/26/2010 11:25:46 PM
pani5ue$25.00$25.003/27/2010 3:05:30 AM
JiggaJoeyS$30.87$30.873/27/2010 10:47:48 AM
dorypro$25.00$25.003/27/2010 6:47:20 PM
funds-rascal$250.00$250.003/27/2010 8:48:16 PM
Your_Bank$25.00$25.003/28/2010 6:21:35 AM
durability-colonel$50.00$50.003/27/2010 8:34:26 PM
DeutscheBank$50.00$50.003/28/2010 2:45:50 PM
Signaturedg$52.00$52.003/28/2010 2:49:46 PM
cash-tent$25.00$25.003/28/2010 2:36:46 PM
reliable-silver7$25.00$25.003/29/2010 6:32:39 AM
umfan123$25.00$25.003/29/2010 7:02:10 AM
rate-hickory$25.00$25.003/29/2010 7:51:05 AM
PotBellyPete$25.00$25.003/29/2010 7:57:01 AM
SlickNick$26.00$26.003/29/2010 10:01:53 AM
fair-payment4$25.00$25.003/29/2010 10:09:13 AM
Bob450$25.00$25.003/29/2010 11:37:08 AM
exuberant-loot$50.00$50.003/29/2010 2:24:50 PM
2BorNot2B$25.00$25.003/29/2010 1:36:10 PM
72 bids
 
Borrower Payment Dependent Notes Series 451071
This series of Notes was issued and sold upon the funding of the borrower loan #41544, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,880.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $200.22
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $197.27
 
Auction yield range: 11.04% - 26.38% 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: Nov-1981 Debt/Income ratio: 12%
Basic (1-10): 6 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 15Length of status:12y 8m
Credit score: 720-739 (Mar-2010) Total credit lines: 44 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $17,188Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: justsk8tingby Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Saved the Horse but It Wasn't Cheap
Purpose of loan:

The winter was very harsh in PA this past year and I have had to come to the aid of a seriously injured horse that misjudged snow depth and nearly severed a leg.? The repairs so far have been very much outside of my budget, and I have been forced to have a monthly balance on some credit cards that is not my ordinary way of operating.?We would be very grateful for a peer-to-peer opportunity, as we have been lucky enough to have been lenders and will continue to do so after this little tragedy finally ebbs.

My financial situation:

My credit score is very good, and we pay all of our expenses and bills on time.? I?have a very active law practice and I love my work. My credit score is in the upper end of very good, yet I have an unfortunate D rating--you may certainly inquire about this, as?it is one foolish co-signing event in more than 30 years of careful and prudent investing and money management.?I am?earning more than $200k per year, and I am on track to assist more people and to help more companies achieve their goals than in previous years.??I will repay this debt before the year ends.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Orringo$50.00$50.003/22/2010 4:18:45 PM
parsec9$25.00$25.003/22/2010 4:18:59 PM
skybolt4$25.00$25.003/22/2010 4:19:01 PM
AF-Chief$28.00$28.003/22/2010 4:21:25 PM
rupee-artisan$25.00$25.003/22/2010 4:20:22 PM
Kaj$25.00$25.003/22/2010 4:20:47 PM
orange-preeminant-bill$100.00$100.003/22/2010 4:22:44 PM
shrewd-peace7$25.00$25.003/22/2010 4:21:45 PM
merriewold$25.00$25.003/22/2010 4:18:54 PM
social-conductor4$25.00$25.003/22/2010 4:19:35 PM
Purposeful$25.00$25.003/22/2010 4:21:01 PM
momoney2lend$25.00$25.003/22/2010 4:22:51 PM
elevated-platinum5$25.00$25.003/22/2010 4:28:15 PM
ukstevenhawaii$50.00$50.003/22/2010 4:28:53 PM
nletunic$25.00$25.003/22/2010 4:27:22 PM
asset-professor$35.00$35.003/22/2010 4:29:39 PM
personal-lender$25.00$25.003/22/2010 4:27:55 PM
deegeeman$50.00$50.003/22/2010 4:30:02 PM
listing-trapper3$50.00$50.003/22/2010 4:30:08 PM
Rattlehead$25.00$25.003/22/2010 4:30:22 PM
rhin0cerx$50.00$50.003/22/2010 4:29:30 PM
hope-equation$50.00$50.003/22/2010 4:27:46 PM
magnolia161$25.00$25.003/22/2010 4:33:09 PM
red-favorable-basis$25.00$25.003/22/2010 4:30:12 PM
inspiring-reward$150.00$150.003/22/2010 4:34:25 PM
natural-greenback6$25.00$25.003/22/2010 4:37:18 PM
cashonhand$25.00$25.003/22/2010 4:33:01 PM
red_spade$26.00$26.003/22/2010 4:35:33 PM
martinnc$25.00$25.003/22/2010 4:34:47 PM
autonomous-truth$25.00$25.003/22/2010 4:40:45 PM
HHP$25.00$25.003/22/2010 4:37:39 PM
intelligent-yield$25.00$25.003/22/2010 4:38:12 PM
irrelevant$25.00$25.003/22/2010 4:38:34 PM
Havana21$50.00$50.003/22/2010 4:38:44 PM
jmcdon7230$25.00$25.003/22/2010 4:38:58 PM
cgkid$25.00$25.003/22/2010 4:42:41 PM
steves73$25.00$25.003/22/2010 4:40:23 PM
Buffer10$100.00$100.003/22/2010 4:40:33 PM
desertoasis$25.00$25.003/22/2010 4:37:04 PM
Artist_Blue$25.00$25.003/22/2010 4:41:34 PM
AF_Trust$25.00$25.003/22/2010 4:40:27 PM
tremendous-integrity$25.00$25.003/22/2010 4:41:20 PM
SolarMoonshine$100.00$100.003/22/2010 5:32:56 PM
averagefore$25.00$25.003/22/2010 8:11:33 PM
exchange-cowbell5$50.00$50.003/24/2010 10:32:08 PM
new-peso-concerto$33.00$33.003/25/2010 6:36:56 AM
moramis$25.00$25.003/25/2010 10:55:30 AM
top-tranquil-justice$25.00$25.003/25/2010 10:16:06 AM
thomas16882004$25.00$25.003/25/2010 3:36:25 PM
UCLA4life$25.00$25.003/26/2010 9:37:51 AM
MrVegas$200.00$200.003/27/2010 7:46:47 AM
joebob78$50.00$50.003/27/2010 11:56:00 AM
Your_Bank$25.00$25.003/28/2010 6:23:33 AM
dano1965$25.00$25.003/29/2010 9:29:02 AM
shrewd-income$100.00$100.003/29/2010 11:06:09 AM
Bob450$25.00$25.003/29/2010 11:38:30 AM
Leshan$33.33$33.333/29/2010 11:39:35 AM
credit-birch$50.00$50.003/29/2010 12:10:46 PM
cunning-bill$25.00$25.003/29/2010 3:38:24 PM
Hatdance$25.00$25.003/29/2010 4:11:53 PM
intrepid-transaction5$25.00$25.003/22/2010 4:18:52 PM
Helenska11$25.00$25.003/22/2010 4:18:56 PM
successful-euro$40.00$40.003/22/2010 4:21:16 PM
treasure-bliss$100.00$100.003/22/2010 4:22:12 PM
mvalley$25.00$25.003/22/2010 4:18:48 PM
seisen$50.00$50.003/22/2010 4:22:21 PM
reinforced-revenue069$25.00$25.003/22/2010 4:19:04 PM
oldmora$50.00$50.003/22/2010 4:27:14 PM
skuba$25.00$25.003/22/2010 4:29:52 PM
Zolton$200.00$200.003/22/2010 4:28:09 PM
secobarbital$25.00$25.003/22/2010 4:27:26 PM
Cai8899$30.00$30.003/22/2010 4:27:38 PM
greenwell$25.00$25.003/22/2010 4:29:43 PM
honorable-yield$35.00$35.003/22/2010 4:28:19 PM
CarDealer3070$30.00$30.003/22/2010 4:28:25 PM
chicagoman$25.00$25.003/22/2010 4:28:37 PM
sympathetic-asset$25.00$25.003/22/2010 4:28:45 PM
nrowland$25.00$25.003/22/2010 4:29:22 PM
bountiful-bazaar$25.00$25.003/22/2010 4:34:54 PM
rooosta$25.00$25.003/22/2010 4:34:42 PM
supreme-hope$25.00$25.003/22/2010 4:38:20 PM
Streetfighter$25.00$25.003/22/2010 4:35:06 PM
integrity-doctor$50.00$50.003/22/2010 4:35:28 PM
heatherwood$50.00$50.003/22/2010 4:34:38 PM
burrito6$25.00$25.003/22/2010 4:37:26 PM
unforgettable-order9$25.00$25.003/22/2010 4:35:15 PM
kmfreymi$25.00$25.003/22/2010 4:35:23 PM
AceInTheHole$25.00$25.003/22/2010 4:41:12 PM
FeedTheMachine$200.00$200.003/22/2010 4:41:49 PM
gulch$25.00$25.003/22/2010 4:41:53 PM
bnlforever$25.00$25.003/22/2010 4:39:25 PM
GElender$25.00$13.923/22/2010 4:42:45 PM
reflective-rupee$88.00$88.003/23/2010 10:15:17 AM
five-star-note$65.00$65.003/24/2010 11:14:33 AM
Bob450$50.00$50.003/24/2010 7:57:38 PM
power-comet4$25.00$25.003/26/2010 11:00:58 AM
attractive-fund$25.00$25.003/26/2010 8:19:06 PM
wise-courageous-social$25.00$25.003/26/2010 6:39:00 PM
enchanted-reward1$25.00$25.003/26/2010 10:18:55 PM
LARRY4NY$35.16$35.163/26/2010 11:12:08 PM
durability-colonel$50.00$50.003/27/2010 8:35:20 PM
dorypro$25.00$25.003/27/2010 6:50:31 PM
LuvToLend$25.00$25.003/27/2010 11:48:47 PM
friendinmoney$25.00$25.003/28/2010 1:34:44 PM
finance-prescription$500.00$500.003/29/2010 8:00:23 AM
reliable-silver7$100.00$100.003/29/2010 6:34:09 AM
Orion7$27.24$27.243/29/2010 1:06:31 PM
fireferd$30.35$30.353/29/2010 2:29:39 PM
Engineer44$30.00$30.003/29/2010 4:17:23 PM
109 bids
 
Borrower Payment Dependent Notes Series 451139
This series of Notes was issued and sold upon the funding of the borrower loan #41629, 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-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $117.20
Final lender yield: 19.45% Final borrower rate/APR: 20.45% / 22.69% Final monthly payment: $112.18
 
Auction yield range: 8.04% - 22.68% Estimated loss impact: 8.45%  
Lender servicing fee: 1.00% Estimated return: 11.00%  
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-2005 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:4y 5m
Credit score: 720-739 (Mar-2010) Total credit lines: 5 Occupation: Other
Now delinquent: 0 Revolving credit balance: $349Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wonderous-yield Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit card/improve rating
Purpose of loan:
This loan will be to pay off my credit card and to build my credit here on Prosper.

My financial situation:
I live at home with my parents still while I attend college for business. Therefore, I have just about no debt and no real expenses to pay for monthly (gas and food!) . I have a steady income because I work at a Rite Aid pharmacy as a pharmacy tech and I have worked there for 5 years and my job isn't at all at risk. I'm a penny pincher that's more of a home-body (ok, more of a nerd), I don't waste money on bars or video games. I pretty much only pay for clothes, gas, and food.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your revolving CC says $349 but how much do you really owe in CC's - XCWIZ007
A: Right now, about $550. But that's because I bought a new watch the other day. I'm going to pay off $200 tomorrow...so it'll be back to ~$300. That's it. I have one Visa CC (which has all the debt on it), one JCPenney's (with nothing on it), and one Kohl's card (also with nothing on it). (Mar-28-2010)
Q: How many hours a week do work? How much do you make a year? Please answer publicly - XCWIZ007
A: I work 20 hours a week. $9000 a year. I'm looking for a second job for the summer, too. (Mar-28-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cognizant-rate732$50.00$50.003/22/2010 5:38:33 PM
SolarMoonshine$25.00$25.003/23/2010 6:07:42 PM
Sol_Invictus$25.00$25.003/23/2010 7:30:56 PM
kginatl$31.75$31.753/24/2010 10:53:23 AM
loss-of-control$25.00$25.003/24/2010 7:17:25 PM
Bank_Of_XL$50.00$50.003/25/2010 9:41:05 AM
donlenboy$32.99$32.993/25/2010 10:23:56 AM
respectful-integrity3$25.00$25.003/26/2010 7:57:50 AM
Cromag$25.00$25.003/26/2010 9:17:39 AM
grammaspurse$25.00$25.003/26/2010 12:27:56 PM
welshcat$50.00$50.003/26/2010 11:40:24 AM
fantastic-cash$50.00$50.003/26/2010 11:05:20 AM
welshcat$50.65$50.653/26/2010 11:40:48 AM
Tazeme$25.00$25.003/26/2010 3:04:12 PM
TicTac$40.00$40.003/26/2010 4:00:41 PM
MattProsper$50.00$50.003/26/2010 6:30:24 PM
d_grbg$25.00$25.003/26/2010 8:01:28 PM
greenback-companion8$25.00$25.003/26/2010 9:55:53 PM
marwadi-62$100.00$100.003/27/2010 11:33:36 AM
BrighterSuns$25.00$25.003/27/2010 12:27:07 PM
durability-colonel$50.00$50.003/27/2010 8:37:26 PM
mattblizz$25.00$25.003/27/2010 11:23:28 PM
engbusres$44.00$44.003/27/2010 8:34:30 PM
Finchy78$25.00$25.003/28/2010 9:08:34 AM
truelumen$25.00$25.003/28/2010 3:27:53 AM
Mahogany_Group$25.00$25.003/28/2010 1:43:00 PM
ProudDad$50.00$50.003/28/2010 9:16:57 PM
BigBizBuilder$26.59$26.593/28/2010 8:23:02 PM
CommerciaLender$25.00$25.003/29/2010 7:27:10 AM
trajames$35.00$35.003/29/2010 12:18:37 AM
rate-hickory$25.00$25.003/29/2010 7:52:50 AM
reflective-rupee$50.00$50.003/29/2010 10:41:57 AM
reflective-rupee$45.00$45.003/29/2010 10:42:13 AM
foothillender$25.00$25.003/29/2010 10:44:02 AM
ChewyZ$25.00$25.003/29/2010 11:52:41 AM
Bob450$35.00$35.003/29/2010 1:59:26 PM
SkyLoan$25.00$25.003/29/2010 3:14:15 PM
dano1965$25.00$25.003/29/2010 3:08:14 PM
XCWIZ007$35.00$35.003/29/2010 3:52:14 PM
Hatdance$25.00$25.003/29/2010 3:51:52 PM
wwwUniversal$25.00$25.003/29/2010 3:54:36 PM
heerzaquestion$25.00$25.003/29/2010 4:16:52 PM
JustMee$25.00$25.003/22/2010 9:26:12 PM
order-bee1$200.00$200.003/23/2010 7:27:55 AM
felicity-daydream$50.00$50.003/23/2010 1:30:42 PM
Brown98$25.00$25.003/24/2010 11:05:59 AM
brilliant-balance$25.00$25.003/24/2010 7:13:15 PM
reflective-rupee$100.00$100.003/26/2010 6:12:13 PM
ag-ventures$25.00$25.003/26/2010 11:31:28 PM
Busekrc$25.50$25.503/26/2010 8:13:15 PM
leverage-monger$25.00$25.003/27/2010 8:49:37 AM
charitycoon$25.00$25.003/27/2010 10:10:29 AM
akakii$75.00$68.353/27/2010 7:26:42 PM
alvinsl$25.00$25.003/27/2010 5:45:49 PM
Your_Bank$31.64$31.643/28/2010 6:25:16 AM
RobertL857$80.20$80.203/27/2010 6:26:30 PM
gothampark$25.00$25.003/27/2010 7:54:33 PM
gjm6d$30.00$30.003/28/2010 9:58:42 AM
LoanDMC$25.00$25.003/28/2010 11:14:22 AM
helpneachother$50.00$50.003/28/2010 11:28:47 AM
soysauce$50.00$50.003/28/2010 8:17:42 PM
Boston005$25.00$25.003/28/2010 8:18:50 PM
drtxmac$25.00$25.003/28/2010 5:06:45 PM
glenium$25.00$25.003/29/2010 3:00:40 AM
reliable-silver7$25.00$25.003/29/2010 6:36:48 AM
careful-compassion$25.00$25.003/29/2010 9:49:45 AM
steady-dime$25.00$25.003/29/2010 7:27:13 AM
dmk2006$25.00$25.003/29/2010 8:47:36 AM
MrOglesby$25.00$25.003/29/2010 8:42:08 AM
Leshan$33.33$33.333/29/2010 11:43:34 AM
jybank$25.00$25.003/29/2010 11:11:48 AM
hopheadmike$30.00$30.003/29/2010 1:48:48 PM
cedar_rose$25.00$25.003/29/2010 12:24:42 PM
SuperInvestor82$25.00$25.003/29/2010 1:13:53 PM
DasMula$25.00$25.003/29/2010 1:19:38 PM
wild-orange$50.00$50.003/29/2010 1:54:23 PM
ultimate-peace$125.00$125.003/29/2010 2:21:08 PM
Moneypenny6$25.00$25.003/29/2010 3:15:07 PM
druidpoet$25.00$25.003/29/2010 3:16:36 PM
Techne_Funds_LLC$25.00$25.003/29/2010 3:52:19 PM
leverage-monger$25.00$25.003/29/2010 4:11:39 PM
81 bids
 
Borrower Payment Dependent Notes Series 451219
This series of Notes was issued and sold upon the funding of the borrower loan #41599, 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:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $161.70
 
Auction yield range: 11.04% - 26.38% 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: Nov-2007 Debt/Income ratio: 10%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:2y 3m
Credit score: 640-659 (Mar-2010) Total credit lines: 6 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $3,270Stated 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: rummy522 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting me started on my MBA
Purpose of loan:
This loan will be used to? start taking MBA courses. I work as a public accountant and have passed the CPA exam, but in order to get my CPA license I will need to complete my MBA program.

My financial situation:
I am a good candidate for this loan because? I have a full time job as an auditor with a national CPA firm, where my employer will reimburse me the cost of tuition ($3500 per course)?for the course as long as I obtain a minimum 3.0 gpa in each course.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 960
??Insurance: $ 150
??Car expenses: $?100
??Utilities: $ 20
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Purposeful$25.00$25.003/22/2010 4:20:56 PM
rupee-artisan$25.00$25.003/22/2010 4:20:19 PM
lovelongandprosper$50.00$50.003/22/2010 4:23:10 PM
wise-courageous-social$25.00$25.003/22/2010 4:21:32 PM
currency-oak$25.00$25.003/22/2010 4:22:07 PM
murtaza$25.00$25.003/22/2010 4:20:26 PM
successful-euro$40.00$40.003/22/2010 4:21:14 PM
AF-Chief$28.00$28.003/22/2010 4:21:22 PM
hope-equation$50.00$50.003/22/2010 4:27:41 PM
chicagoman$25.00$25.003/22/2010 4:28:35 PM
nletunic$25.00$25.003/22/2010 4:27:20 PM
secobarbital$25.00$25.003/22/2010 4:27:28 PM
Cai8899$30.00$30.003/22/2010 4:27:35 PM
greenwell$25.00$25.003/22/2010 4:29:45 PM
skuba$25.00$25.003/22/2010 4:29:49 PM
CarDealer3070$30.00$30.003/22/2010 4:28:28 PM
sympathetic-asset$25.00$25.003/22/2010 4:28:43 PM
asset-professor$35.00$35.003/22/2010 4:29:37 PM
inspiring-reward$150.00$150.003/22/2010 4:34:22 PM
rooosta$25.00$25.003/22/2010 4:34:41 PM
irrelevant$25.00$25.003/22/2010 4:38:37 PM
magnolia161$25.00$25.003/22/2010 4:33:07 PM
HedgeFund$25.00$25.003/22/2010 4:36:34 PM
brother_tam$50.00$32.713/22/2010 4:36:55 PM
bountiful-bazaar$25.00$25.003/22/2010 4:34:52 PM
integrity-doctor$50.00$50.003/22/2010 4:35:26 PM
mercuriant$25.00$25.003/22/2010 4:48:11 PM
loan-fate$25.00$25.003/22/2010 4:49:53 PM
Bob450$25.00$25.003/22/2010 8:48:36 PM
reflective-rupee$25.00$25.003/23/2010 10:12:20 AM
charitycoon$25.00$25.003/24/2010 9:04:57 PM
moramis$25.00$25.003/25/2010 10:55:31 AM
lender-inc$30.00$30.003/26/2010 9:49:38 AM
Onlyhappycustomers$25.00$25.003/26/2010 6:38:32 PM
buffalobills$25.00$25.003/27/2010 10:54:08 AM
loss-of-control$50.00$50.003/27/2010 6:09:53 PM
Robbdogg$25.00$25.003/27/2010 1:33:56 PM
gjm6d$25.00$25.003/28/2010 9:59:55 AM
DeutscheBank$50.00$50.003/28/2010 2:49:21 PM
the-silver-blaster$50.00$50.003/28/2010 4:20:01 PM
PotBellyPete$25.00$25.003/29/2010 7:58:24 AM
DasMula$25.00$25.003/29/2010 8:35:06 AM
skeebuzz$90.00$90.003/29/2010 11:23:23 AM
SlickNick$26.00$26.003/29/2010 10:05:41 AM
oreyedoc$25.00$25.003/29/2010 1:30:28 PM
malomar66$46.33$46.333/29/2010 2:32:51 PM
treasure-bliss$100.00$100.003/22/2010 4:22:10 PM
social-conductor4$25.00$25.003/22/2010 4:20:42 PM
orange-preeminant-bill$100.00$100.003/22/2010 4:22:43 PM
shrewd-peace7$25.00$25.003/22/2010 4:21:41 PM
uprising35$50.00$50.003/22/2010 4:20:24 PM
Kaj$25.00$25.003/22/2010 4:20:46 PM
oldmora$50.00$50.003/22/2010 4:27:12 PM
momoney2lend$25.00$25.003/22/2010 4:22:48 PM
Zolton$200.00$200.003/22/2010 4:28:08 PM
elevated-platinum5$25.00$25.003/22/2010 4:28:13 PM
rhin0cerx$50.00$50.003/22/2010 4:29:33 PM
personal-lender$25.00$25.003/22/2010 4:27:58 PM
orange-courageous-dedication$30.00$30.003/22/2010 4:28:05 PM
Rattlehead$25.00$25.003/22/2010 4:30:19 PM
ukstevenhawaii$50.00$50.003/22/2010 4:28:50 PM
listing-trapper3$50.00$50.003/22/2010 4:30:06 PM
cashonhand$25.00$25.003/22/2010 4:32:58 PM
nrowland$25.00$25.003/22/2010 4:29:20 PM
deegeeman$50.00$50.003/22/2010 4:30:00 PM
martinnc$25.00$25.003/22/2010 4:34:46 PM
red-favorable-basis$25.00$25.003/22/2010 4:30:14 PM
unforgettable-order9$25.00$25.003/22/2010 4:35:13 PM
joee$25.00$25.003/22/2010 4:33:45 PM
heatherwood$50.00$50.003/22/2010 4:34:35 PM
asiaratt$100.00$100.003/22/2010 4:35:00 PM
kmfreymi$25.00$25.003/22/2010 4:35:20 PM
Streetfighter$25.00$25.003/22/2010 4:35:03 PM
red_spade$26.00$26.003/22/2010 4:35:32 PM
SolarMoonshine$25.00$25.003/22/2010 5:24:12 PM
charming-point$300.00$300.003/23/2010 7:06:37 AM
golffish2$100.00$100.003/24/2010 11:32:20 AM
brilliant-balance$25.00$25.003/24/2010 7:14:28 PM
exchange-cowbell5$25.00$25.003/24/2010 10:32:45 PM
Bob450$25.00$25.003/24/2010 8:01:06 PM
1stBankAndHal$25.00$25.003/25/2010 5:33:47 AM
Lefty_the_Lender$25.00$25.003/25/2010 12:44:39 AM
ptjg$25.00$25.003/25/2010 10:29:04 AM
UCLA4life$25.00$25.003/26/2010 9:37:52 AM
aultraman$25.00$25.003/27/2010 2:58:07 PM
durability-colonel$50.00$50.003/27/2010 8:38:29 PM
Your_Bank$25.00$25.003/28/2010 6:28:00 AM
nimble-cash7$25.00$25.003/28/2010 11:24:30 AM
vivacious-p2p3$25.00$25.003/28/2010 5:54:42 PM
wonder3$25.00$25.003/29/2010 6:04:44 AM
sophisticated-ore$62.88$62.883/29/2010 6:28:49 AM
rate-hickory$25.00$25.003/29/2010 7:53:51 AM
grnii78$75.63$75.633/29/2010 8:17:43 AM
TheSweetLender$27.45$27.453/29/2010 6:49:29 AM
dano1965$25.00$25.003/29/2010 9:29:35 AM
csa_101824$25.00$25.003/29/2010 10:44:48 AM
Hatdance$25.00$25.003/29/2010 3:56:16 PM
CMDCO$50.00$50.003/29/2010 4:02:36 PM
credit-coach118$35.00$35.003/29/2010 4:12:12 PM
Engineer44$30.00$30.003/29/2010 4:18:56 PM
100 bids
 
Borrower Payment Dependent Notes Series 451259
This series of Notes was issued and sold upon the funding of the borrower loan #41532, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,400.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $150.45
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $150.06
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1983 Debt/Income ratio: 161%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 18Length of status:2y 4m
Credit score: 740-759 (Mar-2010) Total credit lines: 47 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $16,760Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: SabySue Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Want to dump 25% AG Loan!
Purpose of loan:
I simply want to get this loan paid off "smarter".? The terms were 48 mths @ 24.99% = $190/mth payments.? Not awesome, but at the time, helped out.
I'm hoping someone on here will help me dump this high interest loan for something much better that will help more of my money pay on the actual loan, not so much interest.? It's a great opportunity for a lender, but why give it to AG?
I have about 36 or so months left on this loan with AG.
My financial situation:
I am a great candidate for a loan with a Prosper lender because I routinely pay ON TIME, and also routinely pay $200/mth instead of the minimum on this loan.? I have also made it a part of my budget for some time now to pay much larger payments on all my credit cards, and without any unforeseen issues, I will have all of my other credit cards paid off by early fall, or for sure by end of year.
YAY!! :D
I check my credit monthly, and strive for better scoring.? But until a couple old issues fall off in a year or two, I can't do a whole lot more.? But in the meantime, I'm paying down/off as many variables as possible!? And doing a great job at it.
AG calls me every month, wanting me to borrow more because I'm "such a great customer, always paying on time, more than I'm due for".? But they have no interest in lowering their rates as a reward for my great history with them!? Go figure.

Thanks for considering me!?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$28.00$28.003/22/2010 4:24:29 PM
delicious-social132$25.00$25.003/22/2010 4:31:46 PM
torion$25.00$25.003/22/2010 4:30:49 PM
Avala$50.00$50.003/22/2010 4:31:09 PM
chestnut4$25.00$25.003/22/2010 4:35:55 PM
successful-euro$50.00$50.003/22/2010 4:33:40 PM
inspired-contract9$25.00$25.003/22/2010 4:32:29 PM
bonus-adventure3$25.00$25.003/22/2010 4:32:45 PM
ddog0224$25.00$25.003/22/2010 4:36:44 PM
exchange-fountain$25.00$25.003/22/2010 4:40:39 PM
studious-bonus7$50.00$50.003/22/2010 4:39:48 PM
aurorafinancial$50.00$50.003/22/2010 4:42:35 PM
hrubinst$25.00$25.003/22/2010 4:47:39 PM
CarDealer3070$25.00$25.003/22/2010 4:50:51 PM
shrewd-deal$25.00$25.003/22/2010 5:14:22 PM
flexible-value$26.00$26.003/22/2010 5:38:46 PM
progressive-asset$33.81$33.813/22/2010 5:52:31 PM
JClives$25.00$25.003/22/2010 5:51:54 PM
money-boomarang$25.00$25.003/22/2010 9:02:32 PM
tender-gold$25.00$25.003/22/2010 10:22:17 PM
BristolEnterprises$25.00$25.003/22/2010 6:32:16 PM
Ripsaw4U$25.00$25.003/23/2010 2:53:09 AM
unforgettable-order9$53.11$53.113/22/2010 10:28:01 PM
Mr_Hot_Sox$25.00$25.003/23/2010 7:02:22 AM
goodbob$25.00$25.003/22/2010 9:07:25 PM
TrixieD$25.00$25.003/22/2010 9:41:02 PM
Havana21$50.00$50.003/22/2010 10:44:06 PM
BeemerRider$25.00$25.003/23/2010 6:02:18 AM
kanakakm$25.00$25.003/23/2010 6:58:24 AM
value-squirrel3$25.00$25.003/23/2010 5:12:23 AM
wacko82$25.00$25.003/23/2010 8:52:36 AM
Steveoo1$25.00$25.003/23/2010 7:32:49 AM
credit-kahuna$31.10$31.103/23/2010 9:17:36 AM
pawnshopman$25.00$25.003/23/2010 8:22:15 AM
worlds-best-auction$25.00$25.003/23/2010 9:33:25 AM
rhightower003$25.00$25.003/23/2010 9:33:30 AM
Panna$25.00$25.003/23/2010 9:33:39 AM
SanCarlos$69.09$69.093/23/2010 10:00:13 AM
generosity-fuse$25.00$25.003/23/2010 12:15:18 PM
helping-out$25.00$25.003/23/2010 12:22:51 PM
kirkjerk$25.00$25.003/23/2010 11:48:53 AM
blackberry9$25.00$25.003/23/2010 12:05:43 PM
commitment-farm$25.00$25.003/23/2010 12:57:55 PM
army-daddy$25.00$25.003/23/2010 11:33:13 AM
Marathoner$25.00$25.003/23/2010 1:24:16 PM
3am-preacher$25.00$25.003/23/2010 12:13:58 PM
chekat$25.00$25.003/24/2010 3:58:25 AM
FairbairnSG$25.00$25.003/24/2010 9:03:06 AM
TCR3$25.00$25.003/24/2010 11:09:18 AM
mikeandcat$50.00$50.003/24/2010 11:14:08 AM
the-silver-blaster$44.53$18.633/24/2010 11:14:23 AM
patriot384$100.00$100.003/25/2010 9:33:42 AM
CommerciaLender$25.00$25.003/25/2010 11:05:54 AM
durability-high-five$25.00$25.003/25/2010 6:08:23 PM
lenderinnevada$55.03$55.033/26/2010 12:49:42 PM
dreamit$50.00$50.003/26/2010 12:24:55 PM
OSERENKUKU$25.00$25.003/26/2010 9:36:48 PM
hawk357$30.00$30.003/27/2010 6:31:49 AM
1SteelerFan$35.00$35.003/27/2010 10:36:40 AM
drtxmac$25.00$25.003/27/2010 7:37:34 PM
Loan_Some_Money$25.00$25.003/28/2010 3:28:12 PM
steady-dime$50.00$50.003/29/2010 7:12:09 AM
TheWainer$25.00$25.003/29/2010 1:25:34 PM
Clambake$50.00$50.003/22/2010 4:30:42 PM
personal-lender$25.00$25.003/22/2010 4:31:38 PM
HedgeFund$40.00$40.003/22/2010 4:36:19 PM
integrity-doctor$50.00$50.003/22/2010 4:33:49 PM
fightinjoe$25.00$25.003/22/2010 4:32:21 PM
don8ter$25.00$25.003/22/2010 4:40:08 PM
desertoasis$50.00$50.003/22/2010 4:41:43 PM
HHP$25.00$25.003/22/2010 4:37:43 PM
important-ore$50.00$50.003/22/2010 4:45:00 PM
responsible-investment0$50.00$50.003/22/2010 4:49:43 PM
chicco$56.00$56.003/22/2010 4:47:59 PM
aldenrains$25.00$25.003/22/2010 4:45:34 PM
responsibility-mulberry$25.00$25.003/22/2010 4:46:02 PM
harmonious-revenue7$50.00$50.003/22/2010 4:46:37 PM
asset-professor$75.00$75.003/22/2010 4:51:03 PM
versatile-platinum4$25.00$25.003/22/2010 4:47:08 PM
mpatrick$25.00$25.003/22/2010 5:22:43 PM
rapid-credit428$25.00$25.003/22/2010 5:39:09 PM
mg6619$25.00$25.003/22/2010 5:39:15 PM
350DGRZ$25.00$25.003/22/2010 5:39:46 PM
investment-defender$25.00$25.003/22/2010 6:22:13 PM
macjp123$25.00$25.003/22/2010 5:39:45 PM
bchen78875$25.00$25.003/22/2010 5:51:18 PM
tenacious-compassion9$25.00$25.003/22/2010 5:52:53 PM
skuba$25.00$25.003/22/2010 7:12:15 PM
Reinadog9$25.00$25.003/22/2010 9:52:48 PM
supreme-hope$25.00$25.003/22/2010 10:28:05 PM
gulch$25.00$25.003/22/2010 10:28:09 PM
diversification-medalist$25.00$25.003/22/2010 10:37:11 PM
GAOGERAM_BANK$25.00$25.003/22/2010 9:02:27 PM
AW14$25.00$25.003/23/2010 4:32:41 AM
the-profit-oracle$25.00$25.003/22/2010 8:18:43 PM
darylc$25.00$25.003/23/2010 6:02:22 AM
orange-preeminant-bill$100.00$100.003/23/2010 4:40:45 AM
reinforced-deal8$32.26$32.263/23/2010 5:47:24 AM
mikepat55$45.08$45.083/23/2010 6:22:39 AM
treasure-bliss$100.00$100.003/23/2010 4:29:45 AM
maintenanceboss$25.00$25.003/23/2010 9:24:17 AM
webfeet$25.00$25.003/23/2010 7:13:30 AM
economy-producer$25.00$25.003/23/2010 9:33:14 AM
Tapu22$50.00$50.003/23/2010 7:32:53 AM
onlyastepaway$25.00$25.003/23/2010 9:34:35 AM
visionary-community$25.00$25.003/23/2010 9:34:23 AM
Supernick$50.00$50.003/23/2010 11:01:23 AM
r0b3m4n$25.00$25.003/23/2010 9:33:50 AM
THREE-POINTS-LENDING$25.00$25.003/23/2010 9:34:11 AM
tallmon$25.00$25.003/23/2010 11:33:06 AM
BuffetRocks$35.12$35.123/23/2010 11:54:51 AM
gnuey$25.00$25.003/23/2010 12:57:51 PM
nojoke411$25.00$25.003/23/2010 3:12:17 PM
WarmWeather$25.00$25.003/23/2010 3:27:40 PM
a-finance-nirvana$25.00$25.003/23/2010 12:15:09 PM
incbx$25.00$25.003/23/2010 4:13:01 PM
windfall46$25.00$25.003/23/2010 4:58:52 PM
screen23$25.00$25.003/24/2010 6:15:41 AM
circustab$50.00$50.003/25/2010 6:52:35 AM
integrity-builder$50.00$50.003/25/2010 3:39:55 PM
wntrequinx$25.00$25.003/25/2010 8:45:07 PM
malmoswed1$50.00$50.003/26/2010 4:25:59 PM
FinanceEngine$25.00$25.003/26/2010 5:04:44 PM
Isaac007$50.00$50.003/27/2010 4:35:48 AM
duty-monger$50.00$50.003/27/2010 8:09:39 AM
crw1950$50.00$50.003/27/2010 5:52:03 AM
Jim33$25.00$25.003/27/2010 9:27:43 AM
goldlender$39.77$39.773/27/2010 3:49:27 PM
dhinckley$25.00$25.003/27/2010 4:10:51 PM
Phatt-Daddy$47.00$47.003/29/2010 10:02:06 AM
dano1965$25.00$25.003/29/2010 9:30:06 AM
details$50.00$50.003/29/2010 1:33:46 PM
132 bids
 
Borrower Payment Dependent Notes Series 451367
This series of Notes was issued and sold upon the funding of the borrower loan #41535, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $320.24
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $319.40
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1994 Debt/Income ratio: 13%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:14y 7m
Credit score: 840-859 (Mar-2010) Total credit lines: 18 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $122Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: excellent-bazaar1 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a used car
Purpose of loan:
This loan will be used to buy a used car.?

My financial situation:
I am a good candidate for this loan because I am a responsible borrower, which is proven by my outstanding credit.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$25.00$25.003/22/2010 4:23:38 PM
inspired-contract9$50.00$50.003/22/2010 4:26:26 PM
cash-sensai2$25.00$25.003/22/2010 4:26:21 PM
fightinjoe$25.00$25.003/22/2010 4:29:12 PM
credit-force5$25.00$25.003/22/2010 4:31:22 PM
successful-euro$75.00$75.003/22/2010 4:33:34 PM
payment-gusto$25.00$25.003/22/2010 4:40:47 PM
goodguy2000$25.00$25.003/22/2010 4:40:51 PM
transparency-halo$25.00$25.003/22/2010 4:40:17 PM
aasx1108$25.00$25.003/22/2010 4:46:10 PM
don8ter$60.00$60.003/22/2010 4:40:14 PM
credit-magician$25.00$25.003/22/2010 4:49:36 PM
rescue$500.00$500.003/22/2010 4:45:11 PM
brewman$25.00$25.003/22/2010 4:50:13 PM
trident9$25.00$25.003/22/2010 4:50:39 PM
bold-careful-finance$25.00$25.003/22/2010 4:47:16 PM
versatile-platinum4$25.00$25.003/22/2010 4:47:18 PM
lend_to_you$25.00$25.003/22/2010 4:49:49 PM
authentic-diversification$25.00$25.003/22/2010 4:45:41 PM
aldenrains$25.00$25.003/22/2010 4:45:48 PM
fishtale$25.00$25.003/22/2010 4:50:00 PM
finman17$25.00$25.003/22/2010 4:50:26 PM
trade-cello$25.00$25.003/22/2010 4:47:21 PM
uncleubb$25.00$25.003/22/2010 5:16:00 PM
lean-velocity$25.00$25.003/22/2010 5:20:07 PM
Microfinancer$25.00$25.003/22/2010 5:25:45 PM
note-sensation$25.00$25.003/22/2010 5:21:33 PM
philantist$25.00$25.003/22/2010 5:30:24 PM
reflective-deal8$50.00$50.003/22/2010 5:25:23 PM
BankofBen$25.00$25.003/22/2010 5:31:24 PM
jd006006$37.31$37.313/22/2010 5:31:30 PM
rolandweary$30.00$30.003/22/2010 5:31:46 PM
iolaire$25.00$25.003/22/2010 5:32:05 PM
Medops911$25.00$25.003/22/2010 5:21:50 PM
fireboss$25.00$25.003/22/2010 5:22:02 PM
mlopez2007$25.00$25.003/22/2010 5:33:32 PM
Merganser$25.00$25.003/22/2010 5:34:33 PM
pwkpwk$25.00$25.003/22/2010 5:23:28 PM
USMC0311$25.00$25.003/22/2010 5:29:07 PM
antlr$25.00$25.003/22/2010 5:29:14 PM
PaulHenry$25.00$25.003/22/2010 5:35:38 PM
HHP$25.00$25.003/22/2010 5:36:27 PM
elasermd$72.84$72.843/22/2010 5:36:44 PM
economy-association$25.00$25.003/22/2010 5:31:48 PM
wampum-reaction2$25.00$25.003/22/2010 5:32:01 PM
grampy48$25.00$25.003/22/2010 5:38:40 PM
kanakakm$49.79$49.793/22/2010 5:32:04 PM
gauss02$25.00$25.003/22/2010 5:32:10 PM
lloyd_s$25.00$25.003/22/2010 5:33:44 PM
Joem311JE$25.00$25.003/22/2010 5:29:04 PM
elgollo$25.00$25.003/22/2010 5:34:23 PM
OldFriend$25.00$25.003/22/2010 5:48:55 PM
Philosonie$25.00$25.003/22/2010 5:29:11 PM
falcon245sp$25.00$25.003/22/2010 5:35:07 PM
meenan$25.00$25.003/22/2010 5:35:13 PM
rate-raker3$25.00$25.003/22/2010 5:35:29 PM
important-ore$63.30$63.303/22/2010 5:35:45 PM
bradny$25.00$25.003/22/2010 5:36:43 PM
market-builder$25.00$25.003/22/2010 5:31:47 PM
tokyopete23$25.00$25.003/22/2010 5:31:54 PM
BigLinCT$25.00$25.003/22/2010 5:52:41 PM
moneyfriend$25.73$25.733/22/2010 5:35:39 PM
wampum-optimization$50.00$50.003/22/2010 5:50:07 PM
KWarrior$25.00$25.003/22/2010 7:52:15 PM
catterpillar$25.85$25.853/22/2010 8:12:20 PM
xphile$25.00$25.003/22/2010 5:52:59 PM
GElender$50.00$50.003/22/2010 10:27:57 PM
worthy-truth$25.00$25.003/22/2010 6:22:19 PM
peach17$25.00$25.003/22/2010 11:42:35 PM
micko$25.00$25.003/22/2010 7:23:08 PM
kochan123$25.00$25.003/22/2010 7:37:14 PM
bchen78875$31.59$31.593/22/2010 10:27:50 PM
Masterlender$25.00$25.003/22/2010 8:32:15 PM
first-restless-payout$50.00$50.003/23/2010 6:47:17 AM
GAOGERAM_BANK$25.00$25.003/22/2010 8:58:53 PM
webfeet$25.00$25.003/23/2010 7:06:26 AM
diligent-leverage$25.00$25.003/23/2010 3:27:20 AM
WealthBuildingLessons$25.00$25.003/23/2010 4:47:48 AM
winlender$25.00$25.003/23/2010 8:52:16 AM
afotherg$25.00$25.003/23/2010 7:07:19 AM
axl163$25.00$25.003/23/2010 11:13:38 AM
worlds-best-auction$25.00$25.003/23/2010 9:33:27 AM
cjames84$25.00$25.003/23/2010 11:24:54 AM
GrayStudio$50.00$50.003/23/2010 9:36:00 AM
open-minded-credit4$25.00$25.003/23/2010 12:22:16 PM
rulender$36.33$36.333/23/2010 1:09:27 PM
Northsider$33.64$33.643/23/2010 11:13:14 AM
Plotinus$36.00$36.003/23/2010 1:23:11 PM
bowdish1$33.58$33.583/23/2010 11:39:32 AM
andyb9$25.00$25.003/23/2010 11:57:29 AM
bigdogsafety1$25.00$25.003/23/2010 1:42:52 PM
mattpet$25.00$25.003/23/2010 2:42:19 PM
foxy-vigilance$25.00$25.003/23/2010 3:47:45 PM
community-pipeline8$29.34$29.343/23/2010 12:47:32 PM
incbx$50.00$50.003/23/2010 4:12:43 PM
gatorbanker$100.00$100.003/23/2010 6:07:51 PM
dontscrewmeover1$50.00$50.003/23/2010 6:34:32 PM
thedoctor$25.00$25.003/23/2010 7:37:19 PM
ricpick$50.00$50.003/24/2010 3:48:14 AM
flexible-value$31.00$31.003/23/2010 8:17:21 PM
rate-fluffy-bunny$25.00$25.003/24/2010 4:48:06 AM
minista$25.00$25.003/24/2010 7:44:07 AM
ideal-penny8$25.00$25.003/24/2010 9:39:33 AM
dingus$25.00$25.003/24/2010 9:59:48 AM
rmachi$25.00$25.003/24/2010 11:05:46 AM
keyfig$50.00$50.003/24/2010 11:20:40 AM
mikeandcat$47.53$47.533/24/2010 11:59:13 AM
morpholog$25.00$25.003/24/2010 11:22:11 AM
sentimental-silver7$25.00$25.003/24/2010 12:04:00 PM
Cherrypicker06$25.00$25.003/24/2010 12:04:21 PM
DadWarbucks$25.00$25.003/24/2010 12:18:50 PM
mathprof$25.00$25.003/24/2010 1:03:49 PM
Castellan$25.00$25.003/24/2010 12:18:56 PM
rjblack$31.85$31.853/24/2010 6:24:28 PM
alpinaut$25.00$25.003/25/2010 8:11:22 AM
MAKEITAUTOMATIC$25.00$25.003/25/2010 8:52:52 AM
safe-payment8$25.00$15.503/25/2010 10:40:09 AM
skillful-diversification2$25.00$25.003/25/2010 10:37:24 AM
stable-nickel$25.00$25.003/25/2010 10:39:31 AM
intelligent-yield$25.00$25.003/25/2010 10:39:51 AM
value-rocket$25.00$25.003/25/2010 12:47:57 PM
Barky52$25.00$25.003/25/2010 1:44:30 PM
integrity-builder$50.00$50.003/25/2010 3:38:22 PM
Dollars4Rent$25.00$25.003/25/2010 6:38:21 PM
lincmercguy$25.00$25.003/25/2010 8:34:12 PM
focused-dime8$25.00$25.003/26/2010 7:35:22 AM
octoberfresh$25.00$25.003/26/2010 6:47:45 AM
plbquic$25.00$25.003/26/2010 12:16:30 PM
turbostar666$30.00$30.003/26/2010 10:31:03 AM
the-profit-oracle$25.00$25.003/26/2010 3:46:33 PM
ideal-coin$125.00$125.003/27/2010 8:53:37 AM
ManhattanLender$25.00$25.003/27/2010 10:03:29 AM
SOBRO-FINANCE$25.00$25.003/27/2010 10:54:56 AM
REITRUST$25.00$25.003/27/2010 3:45:48 PM
daveseansworld$44.32$44.323/27/2010 6:27:47 PM
colorfulgardener$25.00$25.003/27/2010 6:47:07 PM
witty-compassion$25.00$25.003/28/2010 12:30:36 PM
cloud8$35.00$35.003/28/2010 1:45:17 PM
JerryB96$25.00$25.003/28/2010 7:23:53 PM
interstellar$42.58$42.583/29/2010 6:59:13 AM
runfree$50.00$50.003/29/2010 9:55:06 AM
FundMaker$25.00$25.003/29/2010 12:16:03 PM
steady-peace8$125.00$125.003/29/2010 11:30:45 AM
steady-bazaar$25.00$25.003/29/2010 11:40:11 AM
heerzaquestion$25.00$25.003/29/2010 1:52:09 PM
julijask$35.00$35.003/29/2010 3:01:27 PM
KandKLegacyInvestments$25.00$25.003/22/2010 4:24:45 PM
satisfying-durability$25.00$25.003/22/2010 4:26:43 PM
turbospeed$25.00$25.003/22/2010 4:27:07 PM
skuba$50.00$50.003/22/2010 4:29:08 PM
lendersf$95.00$95.003/22/2010 4:31:58 PM
delicious-social132$40.00$40.003/22/2010 4:30:30 PM
restless-currency$25.00$25.003/22/2010 4:34:03 PM
bonus-adventure3$25.00$25.003/22/2010 4:31:52 PM
AFairDeal$25.00$25.003/22/2010 4:33:23 PM
TakeCare$50.00$50.003/22/2010 4:35:44 PM
kchen486$25.00$25.003/22/2010 4:37:29 PM
bigballer105$50.00$50.003/22/2010 4:33:15 PM
loan-warrior$25.00$25.003/22/2010 4:36:09 PM
Rivervale_Westwood$25.00$25.003/22/2010 4:39:55 PM
MarinLoans$25.00$25.003/22/2010 4:36:36 PM
lender987654321$25.00$25.003/22/2010 4:34:29 PM
unforgettable-order9$100.00$100.003/22/2010 4:35:08 PM
fiddlerzvi$25.00$25.003/22/2010 4:38:51 PM
contract-lotus$25.00$25.003/22/2010 4:37:58 PM
skvat$25.00$25.003/22/2010 4:39:37 PM
selector568$400.00$400.003/22/2010 4:43:17 PM
gain-seagull9$25.00$25.003/22/2010 4:46:56 PM
fcukciti$50.00$50.003/22/2010 4:41:29 PM
radforj22$25.00$25.003/22/2010 4:42:16 PM
Railbird$25.00$25.003/22/2010 4:47:27 PM
spenrod$50.00$50.003/22/2010 4:47:51 PM
pawnshopman$25.00$25.003/22/2010 4:48:21 PM
tbrnet$25.00$25.003/22/2010 5:20:03 PM
honorable-yield$50.00$50.003/22/2010 4:50:24 PM
fuzed$65.00$65.003/22/2010 5:13:57 PM
Zanch$25.00$25.003/22/2010 5:24:22 PM
rosie777$30.00$30.003/22/2010 5:25:32 PM
asset-professor$100.00$100.003/22/2010 5:25:46 PM
BayShell$28.51$28.513/22/2010 5:23:11 PM
cesta283$25.00$25.003/22/2010 5:23:59 PM
hawaiiangirl76$25.00$25.003/22/2010 5:29:09 PM
trustworthy-finance6$25.00$25.003/22/2010 5:31:50 PM
kulender$25.00$25.003/22/2010 5:21:34 PM
dharma1$25.00$25.003/22/2010 5:34:31 PM
shadowflame_99$25.00$25.003/22/2010 5:23:25 PM
zento$25.00$25.003/22/2010 5:23:43 PM
dollar-birdie$50.00$50.003/22/2010 5:30:00 PM
market-assembler$30.22$30.223/22/2010 5:35:44 PM
forthright-dedication$25.00$25.003/22/2010 5:32:11 PM
Walkingcowboy$25.00$25.003/22/2010 5:33:56 PM
BeansMan02$25.00$25.003/22/2010 5:48:37 PM
crawfingers$25.00$25.003/22/2010 5:35:27 PM
teller$37.31$37.313/22/2010 5:49:47 PM
jeffpac$55.00$55.003/22/2010 5:36:29 PM
Kaj$25.00$25.003/22/2010 5:31:43 PM
wiselady$25.00$25.003/22/2010 5:36:46 PM
Dreamconnection$25.00$25.003/22/2010 5:52:10 PM
senorzookeeper$25.00$25.003/22/2010 5:31:52 PM
RandyL3$33.00$33.003/22/2010 5:39:18 PM
Philolend$25.00$25.003/22/2010 5:34:21 PM
PeopleHelpers$25.00$25.003/22/2010 5:35:55 PM
GACFUNDING$25.00$25.003/22/2010 5:50:09 PM
anton$76.52$76.523/22/2010 5:52:04 PM
docdekay$40.00$40.003/22/2010 5:38:22 PM
shrewd-deal$25.00$25.003/22/2010 5:40:03 PM
galtsgulch$25.00$25.003/22/2010 8:12:19 PM
InvestmentFreak$35.00$35.003/22/2010 8:32:12 PM
Steveoo1$25.00$25.003/22/2010 6:37:11 PM
h9y9$25.00$25.003/22/2010 8:27:47 PM
ferdberfel$50.00$50.003/23/2010 3:22:35 AM
bonus-chosen-one$25.00$25.003/22/2010 7:52:11 PM
FlexFunding$42.22$42.223/23/2010 4:29:24 AM
darylc$25.00$25.003/23/2010 5:47:18 AM
Tsnark$25.00$25.003/22/2010 8:22:11 PM
evergreen4$25.00$25.003/22/2010 8:32:39 PM
friendly-worth3$25.00$25.003/23/2010 6:52:47 AM
gnuey$50.00$50.003/22/2010 10:47:14 PM
Attract$25.00$25.003/23/2010 12:52:24 AM
TrixieD$25.00$25.003/22/2010 9:38:17 PM
Zipperdu$50.00$50.003/23/2010 9:20:09 AM
moola-man$25.00$25.003/23/2010 7:23:06 AM
Digs$25.00$25.003/23/2010 9:34:06 AM
courteous-fund9$25.00$25.003/23/2010 9:52:23 AM
webfeet$25.00$25.003/23/2010 7:06:54 AM
dollar-spy$25.00$25.003/23/2010 7:22:38 AM
otter$25.00$25.003/23/2010 10:27:21 AM
skiforglory$25.00$25.003/23/2010 8:07:14 AM
btoole$34.54$34.543/23/2010 8:52:13 AM
johntina$27.88$27.883/23/2010 10:59:41 AM
PCash$25.00$25.003/23/2010 11:13:48 AM
hopethisworks$54.44$54.443/23/2010 10:27:34 AM
kekemoney$25.00$25.003/23/2010 11:38:18 AM
The_Loan_Ranger$45.85$45.853/23/2010 9:43:39 AM
Cheburashka$30.00$30.003/23/2010 10:49:24 AM
Norcal$29.83$29.833/23/2010 10:27:32 AM
interest-satellite$25.00$25.003/23/2010 11:41:17 AM
responsibility-euphoria0$25.00$25.003/23/2010 12:22:19 PM
Dweeberkitty1$25.00$25.003/23/2010 11:57:47 AM
Supernick$50.00$50.003/23/2010 10:59:09 AM
littlemonkey$25.00$25.003/23/2010 10:59:46 AM
roccofox$38.55$38.553/23/2010 11:07:47 AM
Fortuno_per_commodo$35.89$35.893/23/2010 12:13:38 PM
jakesworld$50.00$50.003/23/2010 1:27:17 PM
KlotzLending$25.00$25.003/23/2010 2:08:20 PM
ansset$25.00$25.003/23/2010 2:42:12 PM
guggs$25.00$25.003/23/2010 3:03:09 PM
windfall46$25.00$25.003/23/2010 4:58:58 PM
vacation-funding$25.00$25.003/23/2010 4:14:00 PM
Captain88$25.00$25.003/24/2010 7:38:23 AM
briphi$25.00$25.003/24/2010 6:58:10 AM
FairbairnSG$25.00$25.003/24/2010 9:00:04 AM
buckyhead2000$25.00$25.003/24/2010 9:44:11 AM
nhm$50.00$50.003/24/2010 11:03:55 AM
TK4$25.00$25.003/24/2010 11:22:41 AM
Cai8899$75.00$75.003/24/2010 11:20:43 AM
j2ee$25.00$25.003/24/2010 11:13:44 AM
Phantom99$25.00$25.003/24/2010 12:46:02 PM
gemoscar$25.00$25.003/24/2010 1:43:42 PM
Good_Karma_Cafe$25.00$25.003/24/2010 1:57:01 PM
ahansen$25.00$25.003/24/2010 4:15:52 PM
red-favorable-basis$25.00$25.003/24/2010 6:10:22 PM
cello1$25.00$25.003/24/2010 7:28:09 PM
reueljw$25.00$25.003/24/2010 6:58:07 PM
djs81$25.00$25.003/25/2010 6:48:25 AM
AF-Chief$28.00$28.003/25/2010 7:47:53 AM
healthy-p2ploan$25.00$25.003/25/2010 9:33:16 AM
TCayce$25.00$25.003/25/2010 9:34:33 AM
GoGators01$25.00$25.003/25/2010 11:35:46 AM
steady-gain5$25.00$25.003/25/2010 10:39:50 AM
Jack1966$25.00$25.003/25/2010 10:39:55 AM
SCD$25.00$25.003/25/2010 4:09:18 PM
thrilling-nickel5$25.00$25.003/25/2010 5:05:29 PM
inventive-principal$25.00$25.003/26/2010 7:11:59 AM
julijask$35.00$35.003/26/2010 9:00:40 AM
wealth-pal3$25.00$25.003/26/2010 9:33:34 AM
pumped130$25.00$25.003/26/2010 4:24:12 PM
grampy48$75.00$75.003/26/2010 6:56:58 PM
gsp1885$29.16$29.163/27/2010 12:58:27 AM
greenback-companion8$25.00$25.003/26/2010 9:44:41 PM
forthright-trade$25.00$25.003/28/2010 1:44:07 PM
felicity-loyalist0$50.00$50.003/28/2010 2:49:40 PM
knowonder$25.00$25.003/28/2010 8:37:39 PM
rate-hickory$25.00$25.003/29/2010 7:54:47 AM
MN_Lender$25.00$25.003/29/2010 10:21:09 AM
jybank$25.00$25.003/29/2010 12:17:44 PM
mizinc$50.00$50.003/29/2010 1:19:51 PM
wwwUniversal$25.00$25.003/29/2010 3:55:01 PM
288 bids
 
Borrower Payment Dependent Notes Series 451375
This series of Notes was issued and sold upon the funding of the borrower loan #41522, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $191.36
 
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: May-1990 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 15Length of status:4y 9m
Credit score: 780-799 (Mar-2010) Total credit lines: 39 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $26,397Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: microfunder Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
This loan will be used to payoff a Bank of America credit card and a Chase credit card at an average of 19%. I was late on payments and now cannot get a reduction of the rates. It was careless on my part- I usually just set-up auto bank payment from my account, but for some reason I was late anyway. I think they may have switched the due dates on me?.

Anyway- I am a Prosper lender but want to try the other side of the process. My financial situation is very stable and provides me more than sufficient cash flow to pay of these cards.

Income: $120,000- take home $6,000/mo (max out on 401(k)
Wife: 57,000- take home $3,100/mo


Mortgage- $2,140 /mo
Cars- $738/mo

Other- $3,500/ mo

Extra- ~$2,700


Thank you for consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
KandKLegacyInvestments$25.00$25.003/22/2010 4:24:46 PM
kenji4861$25.00$25.003/22/2010 4:23:38 PM
inspired-contract9$50.00$50.003/22/2010 4:26:25 PM
AF-Chief$28.00$28.003/22/2010 4:24:26 PM
skuba$50.00$50.003/22/2010 4:29:09 PM
satisfying-durability$25.00$25.003/22/2010 4:26:43 PM
Clambake$50.00$50.003/22/2010 4:30:44 PM
successful-euro$75.00$75.003/22/2010 4:33:33 PM
bonus-adventure3$25.00$25.003/22/2010 4:31:52 PM
delicious-social132$40.00$40.003/22/2010 4:30:30 PM
unforgettable-order9$100.00$100.003/22/2010 4:35:08 PM
torion$25.00$25.003/22/2010 4:30:47 PM
bigballer105$50.00$50.003/22/2010 4:33:14 PM
chestnut4$25.00$25.003/22/2010 4:35:53 PM
credit-force5$25.00$25.003/22/2010 4:31:22 PM
lender987654321$25.00$25.003/22/2010 4:34:28 PM
kchen486$25.00$25.003/22/2010 4:37:28 PM
fiddlerzvi$25.00$25.003/22/2010 4:38:50 PM
turbospeed$25.00$25.003/22/2010 4:33:31 PM
integrity-doctor$50.00$50.003/22/2010 4:33:47 PM
restless-currency$25.00$25.003/22/2010 4:34:02 PM
don8ter$25.00$25.003/22/2010 4:40:09 PM
ddog0224$25.00$25.003/22/2010 4:36:41 PM
loan-warrior$25.00$25.003/22/2010 4:36:07 PM
aurorafinancial$50.00$50.003/22/2010 4:42:37 PM
HedgeFund$40.00$40.003/22/2010 4:36:17 PM
HHP$25.00$25.003/22/2010 4:37:42 PM
skvat$25.00$25.003/22/2010 4:39:36 PM
hrubinst$25.00$25.003/22/2010 4:47:40 PM
pawnshopman$25.00$25.003/22/2010 4:48:19 PM
rapid-credit428$25.00$25.003/22/2010 4:44:54 PM
CarDealer3070$25.00$25.003/22/2010 4:50:55 PM
BarginSellerdotcom$25.00$25.003/22/2010 4:51:12 PM
Railbird$25.00$25.003/22/2010 4:47:26 PM
mg6619$25.00$25.003/22/2010 4:45:07 PM
proteinart$25.00$25.003/22/2010 4:50:10 PM
aasx1108$25.00$25.003/22/2010 4:46:09 PM
jaker$25.00$25.003/22/2010 5:17:34 PM
gain-seagull9$25.00$25.003/22/2010 4:46:55 PM
MiniBank998$25.00$25.003/22/2010 5:18:53 PM
bold-careful-finance$25.00$25.003/22/2010 4:47:15 PM
Money2Lend_U$500.00$500.003/22/2010 5:19:52 PM
spenrod$50.00$50.003/22/2010 4:47:50 PM
noddy$25.00$25.003/22/2010 5:19:55 PM
shrewd-deal$25.00$25.003/22/2010 5:14:20 PM
KrazyCelticKid$100.00$100.003/22/2010 5:20:07 PM
catomaior$25.00$25.003/22/2010 5:20:15 PM
truth-force3$25.00$25.003/22/2010 5:15:10 PM
lend_to_you$25.00$25.003/22/2010 4:49:48 PM
ITGuy$25.00$25.003/22/2010 5:16:02 PM
PittsburghCapital$25.00$25.003/22/2010 5:16:41 PM
BeemerRider$25.00$25.003/22/2010 4:50:43 PM
unassuming-reward$25.00$25.003/22/2010 5:17:37 PM
zielojo$25.00$25.003/22/2010 5:18:12 PM
rex45$25.00$25.003/22/2010 5:18:17 PM
Frugal$25.00$25.003/22/2010 5:19:50 PM
balance6$25.00$25.003/22/2010 5:20:14 PM
MyPlantsEatBugs$25.00$25.003/22/2010 5:20:20 PM
point-shooter$25.00$25.003/22/2010 5:20:25 PM
power-cactus0$25.00$25.003/22/2010 5:15:39 PM
uncleubb$25.00$25.003/22/2010 5:15:59 PM
jtrump22$25.00$25.003/22/2010 5:18:49 PM
anwn$25.00$25.003/22/2010 5:20:00 PM
skillful-diversification2$25.00$25.003/22/2010 5:20:05 PM
bedframe$25.00$25.003/22/2010 5:20:11 PM
Seafirst$37.30$37.303/22/2010 5:20:19 PM
Dollars4Rent$25.00$25.003/25/2010 6:39:47 PM
mojii77$30.00$30.003/28/2010 12:42:28 PM
mitcha1$25.00$25.003/29/2010 7:03:59 AM
octoberfresh$25.00$25.003/29/2010 12:06:10 PM
wwwUniversal$25.00$25.003/29/2010 3:55:24 PM
fightinjoe$25.00$25.003/22/2010 4:29:10 PM
Avala$50.00$50.003/22/2010 4:31:04 PM
personal-lender$25.00$25.003/22/2010 4:31:42 PM
lendersf$95.00$95.003/22/2010 4:31:57 PM
AFairDeal$25.00$25.003/22/2010 4:33:22 PM
jwood3030$35.00$35.003/22/2010 4:35:41 PM
exchange-fountain$25.00$25.003/22/2010 4:40:38 PM
payment-gusto$25.00$25.003/22/2010 4:40:47 PM
contract-lotus$25.00$25.003/22/2010 4:37:57 PM
fcukciti$50.00$50.003/22/2010 4:41:28 PM
desertoasis$50.00$50.003/22/2010 4:41:41 PM
TakeCare$50.00$50.003/22/2010 4:35:44 PM
studious-bonus7$50.00$50.003/22/2010 4:39:46 PM
radforj22$25.00$25.003/22/2010 4:42:15 PM
Rivervale_Westwood$25.00$25.003/22/2010 4:39:54 PM
MarinLoans$25.00$25.003/22/2010 4:36:35 PM
goodguy2000$25.00$25.003/22/2010 4:40:51 PM
important-ore$50.00$50.003/22/2010 4:44:58 PM
RandyL3$33.00$33.003/22/2010 4:45:28 PM
responsibility-mulberry$25.00$25.003/22/2010 4:46:00 PM
harmonious-revenue7$50.00$50.003/22/2010 4:46:34 PM
transparency-halo$25.00$25.003/22/2010 4:40:16 PM
versatile-platinum4$25.00$25.003/22/2010 4:47:06 PM
chicco$56.00$56.003/22/2010 4:47:56 PM
supreme-hope$25.00$25.003/22/2010 4:48:33 PM
aldenrains$25.00$25.003/22/2010 4:45:32 PM
350DGRZ$25.00$25.003/22/2010 4:50:05 PM
brewman$25.00$25.003/22/2010 4:50:12 PM
finman17$25.00$25.003/22/2010 4:50:25 PM
asset-professor$75.00$75.003/22/2010 4:51:01 PM
selector568$400.00$400.003/22/2010 4:43:16 PM
Dr_M$25.00$25.003/22/2010 5:15:38 PM
tenacious-compassion9$25.00$25.003/22/2010 4:45:04 PM
rescue$500.00$500.003/22/2010 4:45:10 PM
credit-magician$25.00$25.003/22/2010 4:49:35 PM
cwswdh$25.00$25.003/22/2010 5:15:58 PM
PatriotKnight$25.00$25.003/22/2010 5:16:10 PM
authentic-diversification$25.00$25.003/22/2010 4:45:40 PM
fishtale$25.00$25.003/22/2010 4:49:59 PM
honorable-yield$50.00$50.003/22/2010 4:50:25 PM
Money4Friends$25.00$25.003/22/2010 5:18:51 PM
trade-cello$25.00$25.003/22/2010 4:47:20 PM
fuzed$65.00$65.003/22/2010 5:13:56 PM
top-silver-american$50.00$50.003/22/2010 5:19:55 PM
social-conductor4$25.00$25.003/22/2010 5:19:58 PM
AW14$25.00$25.003/22/2010 5:20:18 PM
srgriff$25.00$25.003/22/2010 5:20:33 PM
geniusj$25.00$10.283/22/2010 5:20:40 PM
responsible-investment0$50.00$50.003/22/2010 4:49:41 PM
Tallac-Capital$25.00$25.003/22/2010 5:15:57 PM
trident9$25.00$25.003/22/2010 4:50:38 PM
auction-poblano$25.00$25.003/22/2010 5:18:17 PM
brettsilv009$25.00$25.003/22/2010 5:19:49 PM
the-commitment-idol$25.00$25.003/22/2010 5:19:54 PM
lean-velocity$25.00$25.003/22/2010 5:20:06 PM
NorthwestValue$25.00$25.003/22/2010 5:20:09 PM
excellent-hope$25.00$25.003/22/2010 5:15:08 PM
MVP2008$25.00$25.003/22/2010 5:20:17 PM
entertaining-greenback2$25.00$25.003/22/2010 5:15:56 PM
reinforced-revenue069$25.00$25.003/22/2010 5:16:04 PM
seeb$25.00$25.003/22/2010 5:16:11 PM
cash-merry-maker$25.00$25.003/22/2010 5:16:35 PM
safe-payment8$25.00$25.003/22/2010 5:19:48 PM
steady-gain5$25.00$25.003/22/2010 5:20:04 PM
webfeet$25.00$25.003/22/2010 5:20:08 PM
icontender$25.00$25.003/22/2010 5:20:16 PM
dontscrewmeover1$50.00$50.003/23/2010 6:29:23 PM
JDLanier$25.00$25.003/25/2010 5:50:32 PM
sandeepPR$25.00$25.003/26/2010 9:34:42 PM
J_Galt$50.00$50.003/27/2010 12:34:26 AM
beachfunder$25.00$25.003/27/2010 8:55:46 AM
gjm6d$25.00$25.003/28/2010 10:01:54 AM
JerryB96$25.00$25.003/28/2010 7:24:26 PM
csrwizard$25.00$25.003/28/2010 8:39:20 PM
Barky52$25.00$25.003/29/2010 6:38:00 AM
Marco83$30.42$30.423/29/2010 9:53:06 AM
velocity-winner$25.00$25.003/29/2010 11:35:25 AM
jybank$25.00$25.003/29/2010 12:20:43 PM
the-profit-oracle$25.00$25.003/29/2010 2:51:29 PM
150 bids
 
Borrower Payment Dependent Notes Series 451413
This series of Notes was issued and sold upon the funding of the borrower loan #41632, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Mar-24-2010 
  Auction end date:  Mar-26-2010 
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.87% Starting monthly payment: $37.71
Final lender yield: 19.89% Final borrower rate/APR: 20.89% / 24.70% Final monthly payment: $37.62
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.96%  
Lender servicing fee: 1.00% Estimated return: 12.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1983 Debt/Income ratio: 21%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 24 / 19Length of status:5y 4m
Credit score: 660-679 (Mar-2010) Total credit lines: 52 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $44,670Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: integrity-prescription6 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
Need to Pay Off 233% Loan
Purpose of loan: This loan will be used to pay off a very high (233%) interest loan I received in December. I foolishly signed a high interest note to buy family gifts at Christmas. I have been paying $89.95 every two weeks since Christmas.? Original balance: $1000.00.? Current balance: ?$970.00.? Dumb move!? I just want to pay this thing off and establish my value as a Prosper.com member.

My financial situation: I have been working for the U.S. Navy for more than 27 years. I retired from active duty after 22 years and have been working as a Navy government civilian for the last 5 years. My job and my income are very?stable. I am required to maintain a high level security clearance in my job which means I am not going to do anything that jeopardizes that. I am a good candidate for this loan because I am employed full time and have additional income from my Navy retirement. While my current credit report may not reflect this, I always pay my debts and pay on time. I have a divorce-related bankruptcy in 2004 to eliminate $150K of debt run up by my former spouse. The fact that I still hold my security clearance after all of this litigation validates my previous statements. I recently received a pay raise?which has further improved my cash flow but I want to reduce my high interest on some short term loans and pay off my mom.?Again, the credit report and picture are not true indicators of my credit-worthiness. They reflect the effects of several years of legal battles to keep my older son as part of my family. We now have language in our current court order to prevent the former spouse from initiating action again so we can now dig our way out of the financial hole the legal bills have created (high balance to credit limit ratios).

I am a Retired Naval Officer who believes in honor courage and commitment. I provide for my family and will do nothing to put this family in a position to compromise our financial stability despite the efforts of a litigious former spouse. I am a man of my word and a man of honor and honor all debts I incur by the terms agreed to at the time of the loan. The few delinquencies noted on my credit report were from 2003 and my former spouse. I was directed by legal counsel not to pay the bills she had incurred. In retrospect it was not the best option but former spouse had run up almost $150K in retail debt thanks to my formerly spotless credit record.

Monthly net income: $ 12100

Monthly expenses: $ 7510
Housing: $ 2960
Insurance: $ 150
Car expenses: $ 1000
Utilities: $ 200
Phone, cable, internet: $ 200
Food, entertainment: $ 1000
Clothing, household expenses $ 400
Credit cards and other loans: $ 1200
Other expenses: $ 400
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
newest-pleasant-return$28.00$28.003/24/2010 4:10:21 PM
Isaac007$100.00$100.003/25/2010 2:46:47 PM
rustysailor$25.00$25.003/25/2010 4:03:01 PM
Jim33$25.00$25.003/25/2010 10:28:38 PM
respectful-integrity3$25.00$25.003/26/2010 7:17:44 AM
tntmojave$25.00$25.003/26/2010 9:35:25 AM
ttnk62918$25.00$25.003/26/2010 1:03:41 PM
robot777$40.00$40.003/24/2010 9:47:26 AM
euphoria8$25.00$25.003/24/2010 11:26:56 AM
IPG1$25.00$25.003/24/2010 12:55:28 PM
bluebouyz$29.00$29.003/24/2010 4:05:20 PM
finance-prescription$600.00$600.003/26/2010 6:42:20 AM
Phatt-Daddy$75.00$28.003/26/2010 8:32:14 AM
13 bids
 
Borrower Payment Dependent Notes Series 451433
This series of Notes was issued and sold upon the funding of the borrower loan #41504, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Mar-22-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $323.42
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $307.20
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1995 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:11y 11m
Credit score: 720-739 (Mar-2010) Total credit lines: 21 Occupation: Car Dealer
Now delinquent: 0 Revolving credit balance: $6,351Stated income:$0
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: roseburger Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
680-699 (Mar-2008)
640-659 (Nov-2007)
580-599 (Feb-2007)
 
Principal balance: $1,440.30 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
card consolidation
Purpose of loan:
Its time to consolidate?and pay off?my last 2?credit cards, and pay off consolidate the balance of my other prosper loan (1400).?? my payments are?always on time. I?need to do away with these cards once and for all. I recently paid off?4 of my 6 cards with my tax return, paid cash for a good car, and I finally feel I'm getting there. My main purpose of this loan is to save a little in intrest, and to start building a great relationship with prosper, and continue raising my credit score..?

My financial situation:
As I am self employed, i cover many of my personal expenses through my business, such as a company car instead of a car payment, and all fuel is paid for through my company, as is the insurance also.? This makes my income look lower than it actually is.

Monthly net income: $1200

Monthly expenses: $
??Housing: $ 360
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $ 110
??Phone, cable, internet: $ 40
??Food, entertainment: $ 150
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 150
??Other expenses: $
possibly prosper loan-$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
BidderAmount BidAmount WinningBid Date (PT)
lovelongandprosper$50.00$50.003/22/2010 4:23:09 PM
georgethesir$25.00$25.003/22/2010 4:23:04 PM
Purposeful$50.00$50.003/22/2010 4:23:55 PM
AF-Chief$28.00$28.003/22/2010 4:24:04 PM
shrewd-peace7$25.00$25.003/22/2010 4:24:58 PM
momoney2lend$25.00$25.003/22/2010 4:22:46 PM
GMOD026$25.00$25.003/22/2010 4:22:53 PM
social-conductor4$25.00$25.003/22/2010 4:23:35 PM
CarDealer3070$30.00$30.003/22/2010 4:28:31 PM
ukstevenhawaii$50.00$50.003/22/2010 4:28:48 PM
nletunic$25.00$25.003/22/2010 4:27:18 PM
skuba$25.00$25.003/22/2010 4:29:48 PM
deegeeman$50.00$50.003/22/2010 4:29:57 PM
listing-trapper3$50.00$50.003/22/2010 4:30:04 PM
sympathetic-asset$25.00$25.003/22/2010 4:28:41 PM
oldmora$50.00$50.003/22/2010 4:27:11 PM
Cai8899$30.00$30.003/22/2010 4:27:33 PM
asset-professor$35.00$35.003/22/2010 4:29:36 PM
greenwell$25.00$25.003/22/2010 4:29:47 PM
chicagoman$25.00$25.003/22/2010 4:28:33 PM
nrowland$25.00$25.003/22/2010 4:29:18 PM
Speculator$100.00$100.003/22/2010 4:33:26 PM
rhin0cerx$50.00$50.003/22/2010 4:29:35 PM
joee$25.00$25.003/22/2010 4:33:43 PM
bountiful-bazaar$25.00$25.003/22/2010 4:34:51 PM
asiaratt$100.00$100.003/22/2010 4:34:58 PM
magnolia161$25.00$25.003/22/2010 4:33:05 PM
kmfreymi$25.00$25.003/22/2010 4:35:19 PM
burrito6$25.00$25.003/22/2010 4:37:23 PM
martinnc$25.00$25.003/22/2010 4:34:44 PM
Havana21$50.00$50.003/22/2010 4:38:41 PM
red_spade$26.00$26.003/22/2010 4:35:31 PM
aasx1108$25.00$25.003/22/2010 4:39:14 PM
bnlforever$25.00$25.003/22/2010 4:39:31 PM
HedgeFund$25.00$25.003/22/2010 4:36:32 PM
greatwhiteninja$25.00$25.003/22/2010 4:40:24 PM
brother_tam$50.00$50.003/22/2010 4:36:53 PM
natural-greenback6$25.00$25.003/22/2010 4:37:13 PM
Streetfighter$25.00$25.003/22/2010 4:35:02 PM
aggresive-nickel2$25.00$25.003/22/2010 4:41:13 PM
tremendous-integrity$25.00$25.003/22/2010 4:41:17 PM
BW45$25.00$25.003/22/2010 4:41:38 PM
oaktown23$50.00$50.003/22/2010 4:42:04 PM
delicious-social132$25.00$25.003/22/2010 4:42:07 PM
cgkid$25.00$25.003/22/2010 4:42:39 PM
Shepherd7$30.00$30.003/22/2010 4:40:36 PM
autonomous-truth$25.00$25.003/22/2010 4:40:43 PM
desertoasis$25.00$25.003/22/2010 4:36:58 PM
visionary-currency$50.00$50.003/22/2010 4:43:40 PM
life-is-great$25.00$25.003/22/2010 4:41:37 PM
thrifty-funds1$25.00$25.003/22/2010 4:44:14 PM
papaloha$50.00$50.003/22/2010 4:42:05 PM
supreme-hope$25.00$25.003/22/2010 4:38:15 PM
BlindJoeDeath$25.00$25.003/22/2010 4:42:38 PM
nourishing-interest0$25.00$25.003/22/2010 4:42:51 PM
mg6619$25.00$25.003/22/2010 4:43:01 PM
steamboatgal$25.00$25.003/22/2010 4:39:59 PM
principal-kung-fu$25.00$25.003/22/2010 4:43:04 PM
AFairDeal$25.00$25.003/22/2010 4:40:30 PM
LuvToLend$25.00$25.003/22/2010 4:43:50 PM
trustu$25.00$25.003/22/2010 4:44:35 PM
purdue98$25.00$25.003/22/2010 4:41:36 PM
ah-long$25.00$25.003/22/2010 4:41:54 PM
shiny-dollar9$25.00$25.003/22/2010 4:42:10 PM
LoisLoan$25.00$25.003/22/2010 4:46:24 PM
Aberdeen$350.00$350.003/22/2010 4:50:45 PM
awm$25.00$25.003/22/2010 4:46:48 PM
w3alter$50.00$50.003/22/2010 4:50:58 PM
DasMula$25.00$25.003/22/2010 4:47:00 PM
DDHMoney$25.00$25.003/22/2010 5:14:09 PM
commitment-farm$25.00$25.003/22/2010 4:44:06 PM
gss_000$25.00$25.003/22/2010 5:14:17 PM
best-marketologist$25.00$25.003/22/2010 4:44:09 PM
irun$25.00$25.003/22/2010 4:44:21 PM
diabolicworld$25.00$25.003/22/2010 4:44:37 PM
AlexTrep$25.00$25.003/22/2010 5:14:53 PM
tps_bubba$25.00$25.003/22/2010 5:16:27 PM
wifibank$25.00$25.003/22/2010 4:50:16 PM
attractive-rate$25.00$2.063/22/2010 5:17:38 PM
shawnw2$39.12$39.123/22/2010 4:46:47 PM
deal-secret-agent$25.00$25.003/22/2010 5:14:04 PM
Craig_B$25.00$25.003/22/2010 4:48:06 PM
Judolu$25.00$25.003/22/2010 4:48:14 PM
dextro$25.00$25.003/22/2010 5:14:47 PM
famous-bill$25.00$25.003/22/2010 5:15:21 PM
play_ultimate$25.00$25.003/22/2010 5:15:28 PM
Vennela$25.00$25.003/22/2010 5:16:36 PM
forthright-dedication$100.00$100.003/22/2010 5:16:51 PM
compassion-lotus5$25.00$25.003/22/2010 5:17:04 PM
reward-walnut$25.00$25.003/22/2010 5:17:34 PM
GellMaster$25.00$25.003/22/2010 5:14:31 PM
626457$25.00$25.003/22/2010 5:15:42 PM
zippy-interest$25.00$25.003/22/2010 5:16:31 PM
Bob450$25.00$25.003/22/2010 8:35:19 PM
Peterman$25.00$25.003/23/2010 7:17:45 AM
charming-point$300.00$300.003/23/2010 7:18:59 AM
FinanceEngine$25.00$25.003/24/2010 4:32:28 PM
charitycoon$25.00$25.003/24/2010 9:12:43 PM
bank-examiner$25.00$25.003/25/2010 5:52:41 AM
bazaar-pizza$50.00$50.003/25/2010 8:16:03 PM
dynamic-capital$25.00$25.003/26/2010 12:05:31 PM
knight3136$25.00$25.003/26/2010 3:09:10 PM
interstellar$42.93$42.933/26/2010 4:04:29 PM
jhouman$25.00$25.003/26/2010 10:08:18 PM
harddollars$50.00$50.003/27/2010 8:52:32 AM
loss-of-control$25.00$25.003/27/2010 6:19:01 PM
Your_Bank$25.00$25.003/28/2010 6:42:32 AM
CASSHMAN$50.00$50.003/28/2010 1:57:39 PM
twjh$25.00$25.003/29/2010 6:07:59 AM
Kash2010lu$50.00$50.003/28/2010 11:40:43 PM
usedtoborrow$25.00$25.003/28/2010 9:01:38 PM
grnii78$150.00$150.003/29/2010 8:14:46 AM
dano1965$25.00$25.003/29/2010 9:32:28 AM
american-investor$25.00$25.003/29/2010 9:39:14 AM
wealth-multiplier$25.00$25.003/29/2010 10:15:52 AM
Book-Mark$29.72$29.723/29/2010 10:42:06 AM
methodical-capital7$25.00$25.003/29/2010 11:45:52 AM
asya$34.19$34.193/29/2010 2:57:40 PM
allbalooboy2$25.00$25.003/29/2010 4:05:41 PM
successful-euro$30.00$30.003/22/2010 4:24:08 PM
jml3482$25.00$25.003/22/2010 4:23:05 PM
secobarbital$25.00$25.003/22/2010 4:27:30 PM
Zolton$200.00$200.003/22/2010 4:28:06 PM
Kaj$25.00$25.003/22/2010 4:24:02 PM
hope-equation$50.00$50.003/22/2010 4:27:40 PM
orange-courageous-dedication$30.00$30.003/22/2010 4:28:03 PM
personal-lender$25.00$25.003/22/2010 4:28:01 PM
elevated-platinum5$25.00$25.003/22/2010 4:28:11 PM
Rattlehead$25.00$25.003/22/2010 4:30:16 PM
cashonhand$25.00$25.003/22/2010 4:32:54 PM
rooosta$25.00$25.003/22/2010 4:34:39 PM
red-favorable-basis$25.00$25.003/22/2010 4:30:15 PM
inspiring-reward$150.00$150.003/22/2010 4:34:20 PM
heatherwood$50.00$50.003/22/2010 4:34:34 PM
treasure-bliss$100.00$100.003/22/2010 4:39:43 PM
SBT$50.00$50.003/22/2010 4:40:34 PM
HHP$25.00$25.003/22/2010 4:37:37 PM
unforgettable-order9$25.00$25.003/22/2010 4:35:11 PM
integrity-doctor$50.00$50.003/22/2010 4:35:25 PM
jmcdon7230$25.00$25.003/22/2010 4:38:55 PM
orange-preeminant-bill$100.00$100.003/22/2010 4:42:03 PM
sf-funder$25.00$25.003/22/2010 4:43:30 PM
wampum-chorus3$25.00$25.003/22/2010 4:43:38 PM
Jonb6919$25.00$25.003/22/2010 4:41:15 PM
fattygordon$25.00$25.003/22/2010 4:44:11 PM
intelligent-yield$25.00$25.003/22/2010 4:38:06 PM
BankME$25.00$25.003/22/2010 4:42:27 PM
irrelevant$25.00$25.003/22/2010 4:38:40 PM
soulwork$25.00$25.003/22/2010 4:40:56 PM
important-ore$50.00$50.003/22/2010 4:41:39 PM
gulch$25.00$25.003/22/2010 4:41:50 PM
mightymousemom$25.00$25.003/22/2010 4:50:27 PM
KrazyCelticKid$50.00$50.003/22/2010 4:43:03 PM
g0avs3327$25.00$25.003/22/2010 4:46:59 PM
Dave0$25.00$25.003/22/2010 5:14:41 PM
leodaguy$25.00$25.003/22/2010 4:44:17 PM
Banker7371$25.00$25.003/22/2010 4:44:23 PM
blue_skies_ahead$25.00$25.003/22/2010 5:14:54 PM
wise-handy-finance$25.00$25.003/22/2010 5:15:02 PM
Red_b17$25.00$25.003/22/2010 5:15:24 PM
sjlnn$25.00$25.003/22/2010 5:15:41 PM
point-shooter$25.00$25.003/22/2010 5:16:15 PM
jonbozeman$25.00$25.003/22/2010 5:16:29 PM
Adam_00$25.00$25.003/22/2010 4:46:14 PM
first-upright-payout$25.00$25.003/22/2010 4:46:18 PM
harmonious-revenue7$25.00$25.003/22/2010 4:46:30 PM
zorg77$25.00$25.003/22/2010 4:51:08 PM
tshurts$25.00$25.003/22/2010 4:47:42 PM
gain-butterfly$25.00$25.003/22/2010 5:14:40 PM
DocVT$25.00$25.003/22/2010 5:14:44 PM
NR$25.00$25.003/22/2010 5:15:00 PM
bonFire8$25.00$25.003/22/2010 5:15:25 PM
Lambo168$25.00$25.003/22/2010 5:17:33 PM
utmom$25.00$25.003/22/2010 5:13:46 PM
ultimate-commitment$25.00$25.003/22/2010 5:14:42 PM
GatorBux$25.00$25.003/22/2010 5:15:06 PM
point$25.00$25.003/22/2010 5:16:15 PM
munoz44$25.00$25.003/22/2010 5:16:30 PM
circuitfive$25.00$25.003/22/2010 5:17:31 PM
rubylender$25.00$25.003/23/2010 11:28:04 AM
heerzaquestion$25.00$25.003/24/2010 9:13:07 AM
Bob450$50.00$50.003/24/2010 8:09:26 PM
mhotchan$100.00$100.003/25/2010 2:31:28 PM
order-brigade$25.00$25.003/25/2010 5:04:17 PM
bazaar-pizza$50.00$50.003/25/2010 8:15:27 PM
thomas16882004$25.00$25.003/25/2010 8:29:28 PM
UCLA4life$25.00$25.003/26/2010 9:37:54 AM
d_grbg$25.00$25.003/26/2010 8:06:25 PM
joebob78$50.00$50.003/27/2010 11:57:36 AM
durability-colonel$50.00$50.003/27/2010 8:41:09 PM
jhouman$25.00$25.003/27/2010 4:38:00 PM
DeutscheBank$40.00$40.003/28/2010 2:52:36 PM
gjm6d$30.00$30.003/28/2010 10:02:25 AM
exchange-cowbell5$50.00$50.003/28/2010 7:37:19 PM
bold-attentive-listing$100.00$100.003/29/2010 9:57:31 AM
wealth-grasshopper0$42.98$42.983/29/2010 8:54:33 AM
NekHoldings$25.00$25.003/29/2010 12:22:48 PM
silvercertificate$25.00$25.003/29/2010 11:45:42 AM
return-grizzly$100.00$100.003/29/2010 12:56:15 PM
DasMula$25.00$25.003/29/2010 1:30:44 PM
Hatdance$25.00$25.003/29/2010 3:54:21 PM
preventivepestcontrol$50.00$50.003/29/2010 4:21:24 PM
202 bids
 
Borrower Payment Dependent Notes Series 451505
This series of Notes was issued and sold upon the funding of the borrower loan #41623, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,800.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Mar-23-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 11.25% Starting borrower rate/APR: 12.25% / 14.38% Starting monthly payment: $260.00
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $252.42
 
Auction yield range: 4.04% - 11.25% 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: Sep-1994 Debt/Income ratio: 55%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 9Length of status:12y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 29 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $39,223Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: efficient-kindness8 Borrower's state: Mississippi 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
Climbing out of the Debt Hole!
Purpose of loan:
This loan will be used to?get ahead of the vicious pay-day loan cycle that I am in, as well as consolidate other debt. If I can get rid of this debt, I can re-establish my savings and once again begin to fund my IRA and invest.?

My financial situation:
I am a good candidate for this loan because? I?have re-vamped my monthly budget and can accommodate the monthly payments with plenty of breathing room and still rebuild my emergency savings. I believe I can even pay this loan off earlier than 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
Q: How much are you paying on your payday loan(s)? - integrity-broker
A: I'll answer it 2 different ways: 1st, to completely pay them off, I will need $1800. 2nd, I'm paying them $550/mo in interest. I know that works out to be some astronomical percentage, but sometimes desperate times call for desperate measures. Unfortunately that's one of life's lessons I had to learn the hard way. (Mar-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Avala$50.00$50.003/23/2010 3:53:16 PM
delicious-social132$25.00$25.003/23/2010 3:53:48 PM
chestnut4$25.00$25.003/23/2010 3:55:55 PM
inspired-contract9$25.00$25.003/23/2010 3:54:16 PM
bonus-adventure3$25.00$25.003/23/2010 3:54:26 PM
harmonious-revenue7$50.00$50.003/23/2010 4:00:14 PM
HedgeFund$40.00$40.003/23/2010 3:56:15 PM
chicco$56.00$56.003/23/2010 4:01:09 PM
ddog0224$25.00$25.003/23/2010 3:56:33 PM
responsibility-mulberry$25.00$25.003/23/2010 3:59:52 PM
HHP$25.00$25.003/23/2010 3:57:10 PM
asset-professor$75.00$75.003/23/2010 4:02:14 PM
responsible-investment0$50.00$50.003/23/2010 4:01:35 PM
CarDealer3070$25.00$25.003/23/2010 4:02:07 PM
versatile-platinum4$25.00$25.003/23/2010 4:00:36 PM
rhightower003$25.00$25.003/23/2010 4:05:12 PM
r0b3m4n$25.00$25.003/23/2010 4:05:24 PM
Marathoner$25.00$25.003/23/2010 4:05:48 PM
desertoasis$25.00$25.003/23/2010 4:03:09 PM
goodbob$25.00$25.003/23/2010 4:04:10 PM
Havana21$50.00$50.003/23/2010 4:04:27 PM
maintenanceboss$25.00$25.003/23/2010 4:05:01 PM
economy-producer$25.00$25.003/23/2010 4:05:06 PM
j2ee$25.00$25.003/23/2010 5:52:59 PM
Amanzidan$25.00$25.003/23/2010 7:21:08 PM
rate-fluffy-bunny$25.00$25.003/24/2010 4:49:04 AM
BristolEnterprises$25.00$25.003/24/2010 11:10:50 AM
aldenrains$25.00$25.003/24/2010 11:14:58 AM
bchen78875$25.00$25.003/24/2010 11:15:41 AM
tenacious-compassion9$25.00$25.003/24/2010 11:15:35 AM
supreme-hope$25.00$25.003/24/2010 11:16:12 AM
exchange-fountain$25.00$25.003/24/2010 11:15:58 AM
Tahoeguy$50.00$50.003/24/2010 11:16:02 AM
KeyS80$50.00$50.003/24/2010 11:18:44 AM
a-finance-nirvana$25.00$25.003/24/2010 11:21:22 AM
the-profit-oracle$25.00$25.003/24/2010 11:21:37 AM
unforgettable-order9$100.00$100.003/24/2010 11:15:30 AM
important-ore$50.00$50.003/24/2010 11:16:40 AM
aasx1108$25.00$25.003/24/2010 11:18:58 AM
Binan$25.00$25.003/24/2010 11:21:58 AM
KandKLegacyInvestments$25.00$25.003/24/2010 11:47:56 AM
wacko82$25.00$25.003/24/2010 12:04:56 PM
success1001$37.42$37.423/24/2010 12:05:38 PM
Phantom99$25.00$25.003/24/2010 12:18:58 PM
golddivinefavor$26.05$26.053/24/2010 12:19:03 PM
stock106$25.00$25.003/24/2010 12:38:07 PM
scottjbarn$25.00$25.003/24/2010 12:23:00 PM
LALO79$25.00$25.003/24/2010 12:23:34 PM
financial-frenzy$26.01$26.013/24/2010 12:44:02 PM
roman2008$25.00$25.003/24/2010 12:32:23 PM
time4aloan$50.00$50.003/24/2010 12:56:55 PM
narblark$25.00$25.003/24/2010 12:54:51 PM
hope-eagle6$25.00$25.003/24/2010 1:03:12 PM
progressive-asset$31.33$31.333/24/2010 12:05:36 PM
Raser$25.00$25.003/24/2010 1:03:07 PM
money-maniac$25.83$25.833/24/2010 1:03:47 PM
piter-to-la-investment$25.00$25.003/24/2010 1:03:56 PM
Dap2005$25.00$25.003/24/2010 12:17:59 PM
bowdish1$70.76$70.763/24/2010 12:18:14 PM
dsfoundation$25.00$25.003/24/2010 12:46:05 PM
1phantom$50.00$50.003/24/2010 1:45:38 PM
decisive-marketplace3$25.00$25.003/24/2010 3:18:00 PM
ahansen$25.00$25.003/24/2010 4:15:38 PM
rupee-kung-fu7$25.00$25.003/24/2010 7:08:16 PM
zski$25.00$25.003/25/2010 12:34:25 AM
neutrino6$25.00$25.003/25/2010 9:33:27 AM
healthy-p2ploan$25.00$25.003/25/2010 9:33:12 AM
atothez$50.00$50.003/25/2010 10:14:08 AM
GoSix$25.00$25.003/25/2010 9:33:31 AM
direct-yield$25.00$25.003/25/2010 9:33:43 AM
teller$25.00$25.003/25/2010 10:37:42 AM
cash-queen$30.00$30.003/25/2010 1:59:45 PM
auction-turbine4$25.00$25.003/25/2010 2:54:27 PM
integrity-broker$25.00$25.003/25/2010 3:28:46 PM
funds-enlightenment4$25.00$25.003/25/2010 3:28:39 PM
averagefore$25.00$25.003/25/2010 3:28:44 PM
happy-asset$25.00$25.003/25/2010 3:28:56 PM
nletunic$25.00$25.003/25/2010 3:28:57 PM
Streetfighter$50.00$50.003/25/2010 3:29:00 PM
boater01$50.00$50.003/25/2010 2:26:41 PM
sumac5$150.00$150.003/25/2010 3:29:18 PM
hampa$25.00$25.003/25/2010 3:29:25 PM
reinforced-deal8$50.00$50.003/25/2010 3:29:26 PM
Musicman1950$25.00$25.003/25/2010 3:29:39 PM
credit-kahuna$46.79$46.793/25/2010 3:30:23 PM
currency-shaker16$100.00$100.003/25/2010 3:30:26 PM
shrewd-peace7$25.00$25.003/25/2010 3:31:14 PM
rwelle$25.00$25.003/25/2010 3:31:40 PM
berkeleyalum$25.00$25.003/25/2010 3:31:57 PM
whynormal$25.00$25.003/25/2010 3:32:10 PM
benefit-squirrel$30.00$30.003/25/2010 3:32:23 PM
safe-finance$25.00$25.003/25/2010 3:31:39 PM
leodaguy$25.00$25.003/25/2010 3:31:45 PM
Dutchhunter$48.77$48.773/25/2010 3:32:54 PM
LibertyCPA$25.00$25.003/25/2010 3:31:51 PM
resource777$25.00$25.003/25/2010 3:31:53 PM
LOWCOUNTRYLENDER$25.00$25.003/25/2010 3:31:58 PM
RetiredATC$25.00$25.003/25/2010 3:33:30 PM
currency-zenith$50.00$50.003/25/2010 3:32:02 PM
tripnosis$25.00$25.003/25/2010 3:32:15 PM
nybanker85$25.00$25.003/25/2010 3:32:27 PM
coloradoloanman$25.00$25.003/25/2010 3:23:08 PM
gulch$25.00$25.003/25/2010 3:29:32 PM
gnuey$25.00$25.003/25/2010 3:30:05 PM
treasure-transporter$25.00$25.003/25/2010 3:31:03 PM
enriching-fund4$35.00$35.003/25/2010 3:31:36 PM
hope-spinner$25.00$25.003/25/2010 3:32:03 PM
enigma1337$25.00$25.003/25/2010 3:32:08 PM
bonus-patriot$25.00$25.003/25/2010 3:32:56 PM
integrity-broker$50.00$50.003/26/2010 6:07:09 AM
webfeet$25.00$25.003/26/2010 9:04:39 AM
heerzaquestion$100.00$100.003/28/2010 6:55:31 AM
enchanted-reward1$25.00$25.003/28/2010 5:13:58 PM
octoberfresh$25.00$25.003/29/2010 12:08:41 PM
AF-Chief$27.00$27.003/23/2010 3:49:42 PM
torion$25.00$25.003/23/2010 3:53:04 PM
personal-lender$25.00$25.003/23/2010 3:53:41 PM
fightinjoe$25.00$25.003/23/2010 3:54:09 PM
Clambake$50.00$50.003/23/2010 3:52:52 PM
studious-bonus7$50.00$50.003/23/2010 3:57:57 PM
don8ter$25.00$25.003/23/2010 3:58:08 PM
aurorafinancial$50.00$50.003/23/2010 3:58:58 PM
successful-euro$42.22$42.223/23/2010 3:54:54 PM
integrity-doctor$50.00$50.003/23/2010 3:55:00 PM
hrubinst$25.00$25.003/23/2010 4:00:55 PM
incbx$25.00$25.003/23/2010 4:13:05 PM
bigdogsafety1$25.00$25.003/23/2010 4:37:29 PM
Panna$25.00$25.003/23/2010 4:05:18 PM
blackberry9$25.00$25.003/23/2010 4:05:43 PM
peace-maximizer8$25.00$25.003/23/2010 7:21:11 PM
CROBRUN$50.00$50.003/23/2010 4:58:42 PM
windfall46$25.00$25.003/23/2010 4:58:45 PM
zymotico$25.00$25.003/23/2010 7:45:50 PM
diversification-medalist$25.00$25.003/23/2010 11:38:44 PM
chekat$25.00$25.003/24/2010 3:58:34 AM
FairbairnSG$25.00$25.003/24/2010 9:02:57 AM
rescue$250.00$250.003/24/2010 11:14:56 AM
skuba$25.00$25.003/24/2010 11:16:23 AM
mg6619$25.00$25.003/24/2010 11:16:50 AM
MissionMicroFinance$25.00$25.003/24/2010 11:18:49 AM
oldguybiker$25.00$25.003/24/2010 11:17:32 AM
cathexis$100.00$100.003/24/2010 11:17:40 AM
treasure-bliss$100.00$100.003/24/2010 11:13:15 AM
BeemerRider$25.00$25.003/24/2010 11:22:23 AM
senorzookeeper$25.00$25.003/24/2010 11:14:28 AM
marilyn7$25.00$25.003/24/2010 11:15:01 AM
rapid-credit428$25.00$25.003/24/2010 11:15:33 AM
macjp123$25.00$25.003/24/2010 11:16:17 AM
flexible-value$26.00$26.003/24/2010 11:16:37 AM
Unclejohn$35.00$35.003/24/2010 11:21:57 AM
physicsjoe$25.00$25.003/24/2010 12:19:03 PM
inspiring-reward$25.43$25.433/24/2010 12:18:47 PM
LenderExtraordinaire$25.00$25.003/24/2010 12:38:12 PM
topper480$25.00$25.003/24/2010 12:43:51 PM
srgriff$25.00$25.003/24/2010 12:44:17 PM
museic1$39.62$39.623/24/2010 12:32:26 PM
BeenThereMyself$25.47$25.473/24/2010 12:54:11 PM
JGB$25.00$25.003/24/2010 12:56:51 PM
caledonia$25.00$25.003/24/2010 12:54:52 PM
dgallo$25.00$25.003/24/2010 12:04:41 PM
akakii$25.00$25.003/24/2010 12:56:58 PM
texrob20$25.00$25.003/24/2010 1:03:22 PM
auction-elvis$25.00$25.003/24/2010 1:03:33 PM
orange-preeminant-bill$42.06$42.063/24/2010 1:03:59 PM
BuffetRocks$50.00$50.003/24/2010 12:05:39 PM
credit-sunshine$25.00$25.003/24/2010 1:03:08 PM
tallmon$25.00$25.003/24/2010 12:05:43 PM
ugapolsci$25.00$25.003/24/2010 1:03:39 PM
Ripsaw4U$25.00$25.003/24/2010 1:09:20 PM
Mostyle$25.00$25.003/24/2010 1:10:30 PM
rellotsf$25.00$25.003/24/2010 12:15:16 PM
melodious-fairness$25.00$25.003/24/2010 12:19:10 PM
sk8ndive$25.00$25.003/24/2010 12:23:36 PM
lloyd_s$25.00$25.003/24/2010 12:32:17 PM
hizzy$25.00$25.003/24/2010 1:03:10 PM
Truckie-FD$25.00$25.003/24/2010 3:05:00 PM
WHEREISTHEMOON$25.00$25.003/24/2010 7:23:00 PM
cello1$25.00$25.003/24/2010 7:28:39 PM
movistar$25.00$25.003/24/2010 8:23:17 PM
billiam$50.00$50.003/24/2010 8:53:07 PM
jakesworld$100.00$100.003/25/2010 8:11:49 AM
MAKEITAUTOMATIC$25.00$25.003/25/2010 9:15:21 AM
green-glowing-gain$25.00$25.003/25/2010 9:33:46 AM
currency-sergeant$25.00$25.003/25/2010 9:33:50 AM
Nerdster1$25.00$25.003/25/2010 9:33:59 AM
SDNLR$25.00$25.003/25/2010 10:38:59 AM
auction-workhorse679$25.00$25.003/25/2010 9:33:41 AM
GElender$50.00$50.003/25/2010 10:40:35 AM
SanJoser$25.00$25.003/25/2010 11:21:14 AM
jonn834$25.00$25.003/25/2010 12:19:47 PM
dinero-speaker$25.00$25.003/25/2010 12:20:02 PM
Cheburashka$25.00$25.003/25/2010 12:40:58 PM
capital-web7$25.00$25.003/25/2010 1:53:22 PM
spark548$50.00$50.003/25/2010 2:54:20 PM
dparkhom$25.00$25.003/25/2010 1:13:54 PM
duty-sensai$25.00$25.003/25/2010 3:23:00 PM
phredd$50.00$50.003/25/2010 3:28:35 PM
newgroom422$25.00$25.003/25/2010 3:28:39 PM
Kulchar$45.63$45.633/25/2010 2:15:17 PM
kmfreymi$25.00$25.003/25/2010 3:28:55 PM
figs4u2$65.82$65.823/25/2010 3:28:58 PM
rate-gravity$74.62$74.623/25/2010 3:28:59 PM
SanCarlos$100.00$100.003/25/2010 3:30:11 PM
commitment-farm$25.00$25.003/25/2010 3:30:06 PM
ClearLake$25.00$25.003/25/2010 3:30:21 PM
knight3136$25.00$25.003/25/2010 3:31:46 PM
SnE$25.00$25.003/25/2010 3:32:05 PM
Banker7371$25.00$25.003/25/2010 3:32:19 PM
flexible-return297$25.00$25.003/25/2010 3:32:33 PM
wampum-chorus3$25.00$25.003/25/2010 3:31:37 PM
ccaxid57$25.00$25.003/25/2010 3:31:43 PM
drumcorpsnut$50.00$50.003/25/2010 3:31:48 PM
thehelpforum$25.00$25.003/25/2010 3:31:52 PM
Headhunter14$25.00$25.003/25/2010 3:31:56 PM
THREE-POINTS-LENDING$25.00$25.003/25/2010 3:32:04 PM
lovelongandprosper$50.00$50.003/25/2010 3:32:25 PM
value-pole$25.00$25.003/25/2010 3:32:30 PM
natural-greenback6$25.00$25.003/25/2010 3:33:01 PM
intelligent-yield$25.00$22.173/25/2010 3:33:31 PM
pawnshopman$25.00$25.003/25/2010 3:29:34 PM
Rivervale_Westwood$25.00$25.003/25/2010 3:31:11 PM
GracieLuLu04$25.00$25.003/25/2010 3:32:01 PM
interest-exec9$25.00$25.003/25/2010 3:32:06 PM
Picopie$50.00$50.003/25/2010 3:32:50 PM
jrbill1998$50.00$50.003/25/2010 3:32:59 PM
b0b$25.00$25.003/25/2010 3:33:21 PM
webfeet$25.00$25.003/26/2010 9:05:15 AM
manthrax3$50.00$50.003/26/2010 10:10:35 AM
best-listing-toro$25.00$25.003/27/2010 7:43:36 AM
gjm6d$25.00$25.003/28/2010 10:05:27 AM
payout-magician$25.00$25.003/28/2010 9:34:33 AM
231 bids
 
Borrower Payment Dependent Notes Series 451743
This series of Notes was issued and sold upon the funding of the borrower loan #41559, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Mar-26-2010 
  Auction end date:  Mar-29-2010 
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $189.35
Final lender yield: 7.48% Final borrower rate/APR: 8.48% / 8.82% Final monthly payment: $189.35
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2001 Debt/Income ratio: 8%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:1y 2m
Credit score: 820-839 (Mar-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $3,388Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: commitment-venus8 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
Family Time
Purpose of loan:
My wife and I have?been very busy with careers and such for the past 10 years. Now that our kids are school age, we've been?trying to find ways to do more things together as a family and enjoy some time together. We've been looking at used motorhomes with the idea that we'd like to start doing some weekend trips and exploring the area a bit more. We've found that it's possible to get a smaller motorhome that's in incredible shape for less than $10,000.?

My financial situation:
I feel?that we are quite responsible financially. My income is substantial, but we don't have a lot of credit card debt, we have a modest house, and our cars are modest. We also have a strong credit score and a good track record of paying?off our debts. For example, in the past couple of years we've borrowed to build a new fence after a tornado hit the neighborhood, and borrowed so that I could get Lasik surgery.?In both cases, we paid off the debts long before they were due. At the moment, although my income is good,?my wife is currently in school to get her nursing degree. She has another?year to go at which point she will be an RN. Along with my 10 years experience as a software developer, I think we are in really good shape in terms of future employment and income. Since my wife is currently in school and not bringing in income, we'd like to borrow a small amount to buy the motorhome we're looking at.

Thanks for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jcrew007$25.00$25.003/26/2010 4:14:26 PM
looney-toon$25.00$25.003/26/2010 4:14:53 PM
randomguy100$25.00$25.003/26/2010 4:15:50 PM
fair-funds$25.00$25.003/26/2010 4:13:26 PM
yachey$25.00$25.003/26/2010 4:13:41 PM
keydet99$25.00$25.003/26/2010 4:14:24 PM
zyztemboy$25.00$25.003/26/2010 4:15:31 PM
red-favorable-basis$25.00$25.003/26/2010 4:21:28 PM
pinnacle10$25.00$25.003/26/2010 4:22:33 PM
Futurero$25.00$25.003/26/2010 4:18:09 PM
Ellisdee$25.19$25.193/26/2010 4:14:48 PM
TriSail$25.00$25.003/26/2010 4:14:55 PM
Independenttools$25.00$25.003/26/2010 4:18:23 PM
fishtale$25.00$25.003/26/2010 4:25:48 PM
bayareainv$72.41$72.413/26/2010 4:22:15 PM
Shockem923$25.00$25.003/26/2010 4:22:28 PM
ideal-penny8$25.00$25.003/26/2010 4:26:15 PM
bonus-adventure3$25.00$25.003/26/2010 4:26:33 PM
sentimental-silver7$25.00$25.003/26/2010 4:26:57 PM
versatile-platinum4$25.00$25.003/26/2010 4:25:44 PM
Dreamconnection$25.00$25.003/26/2010 4:25:55 PM
cash-sensai2$25.00$25.003/26/2010 4:29:33 PM
lender987654321$25.00$25.003/26/2010 4:26:41 PM
TakeCare$50.00$50.003/26/2010 4:26:46 PM
ahansen$25.00$25.003/26/2010 4:27:13 PM
bchen78875$50.00$50.003/26/2010 4:33:22 PM
joshua18$25.00$25.003/26/2010 4:35:35 PM
gogmagog$68.99$68.993/26/2010 4:35:42 PM
interest-exec9$25.00$25.003/26/2010 4:36:10 PM
credit-coach118$40.00$40.003/26/2010 4:36:31 PM
Goodlender42$25.00$25.003/26/2010 4:37:03 PM
proton346$25.00$25.003/26/2010 4:37:20 PM
stikman$25.00$25.003/26/2010 4:37:25 PM
Cai8899$75.00$75.003/26/2010 4:33:14 PM
grampy48$25.00$25.003/26/2010 4:33:15 PM
cello1$25.00$25.003/26/2010 4:33:45 PM
Castellan$25.00$25.003/26/2010 4:34:23 PM
TK4$25.00$25.003/26/2010 4:34:05 PM
dontscrewmeover1$50.00$50.003/26/2010 5:31:51 PM
BiggestG$25.00$25.003/26/2010 4:35:31 PM
BankOfFrankFairness$50.00$50.003/26/2010 4:36:06 PM
stensonb$25.00$25.003/26/2010 4:35:32 PM
langdonx$25.00$25.003/26/2010 4:36:19 PM
steely_dan34$25.00$25.003/26/2010 4:36:21 PM
GenerousGentleMan$50.00$50.003/26/2010 4:35:53 PM
head$25.00$25.003/26/2010 4:36:34 PM
engaging-yield4$25.00$25.003/26/2010 4:37:12 PM
jchix$25.00$25.003/26/2010 4:36:30 PM
sajitk$25.00$25.003/26/2010 4:36:49 PM
maldok1$25.00$25.003/26/2010 4:36:55 PM
Divot$25.00$25.003/26/2010 4:37:01 PM
Natronpee$25.00$25.003/26/2010 4:43:59 PM
blot44$25.00$25.003/26/2010 8:00:31 PM
Kame$25.00$25.003/26/2010 4:43:56 PM
seattleslug$30.00$30.003/26/2010 4:44:00 PM
isfahanian$25.00$25.003/26/2010 4:44:08 PM
tsui517$25.00$25.003/26/2010 8:22:58 PM
ingeborg77$50.00$50.003/26/2010 8:08:49 PM
sandeepPR$25.00$25.003/26/2010 9:08:16 PM
coup173$25.00$25.003/26/2010 9:38:02 PM
salala$25.00$25.003/26/2010 9:57:58 PM
coup173$25.00$20.323/26/2010 9:58:34 PM
mathprof$25.00$25.003/27/2010 6:48:30 AM
GElender$42.55$42.553/27/2010 6:48:57 AM
Artist_Blue$25.00$25.003/27/2010 6:49:13 AM
Phillip298$25.00$25.003/26/2010 10:58:00 PM
truth-trapper$50.00$50.003/27/2010 12:14:31 AM
highcountry1$25.00$25.003/27/2010 5:33:32 AM
YellowJacket$25.00$25.003/27/2010 6:48:00 AM
beachbum22$25.00$25.003/27/2010 8:58:45 AM
mizount$25.00$25.003/27/2010 6:48:24 AM
lendersf$25.00$25.003/27/2010 9:38:24 AM
RandyL3$33.00$33.003/27/2010 6:50:59 AM
selector568$121.68$121.683/27/2010 6:58:52 AM
teejay411$100.00$100.003/27/2010 7:22:51 AM
TheReaderRabbit$25.00$25.003/27/2010 7:42:51 AM
kid8549$25.00$25.003/27/2010 8:47:51 AM
rescue$25.00$25.003/27/2010 9:17:59 AM
dollars4debts$25.00$25.003/27/2010 9:28:31 AM
IrishFlyr2$25.00$25.003/27/2010 10:08:31 AM
perlindc$31.85$31.853/27/2010 10:28:06 AM
jeffpac$29.07$29.073/27/2010 10:44:57 AM
FlexFunding$50.63$50.633/27/2010 11:17:55 AM
colorunner$25.00$25.003/27/2010 11:23:48 AM
trevandtal$25.00$25.003/27/2010 11:50:32 AM
slobberjob$25.00$25.003/27/2010 6:53:22 PM
kennyinminny$25.00$25.003/28/2010 7:13:21 AM
filovirus$25.00$25.003/27/2010 7:53:29 PM
meenan$25.00$25.003/27/2010 9:42:59 PM
Hexnut$50.00$50.003/27/2010 10:32:54 PM
ChicoBob$42.00$42.003/28/2010 11:24:46 AM
incbx$50.00$50.003/28/2010 2:58:44 PM
focused-dime8$25.00$25.003/28/2010 11:36:37 AM
anakinsolo$25.00$25.003/28/2010 11:24:49 AM
dharma1$25.00$25.003/28/2010 1:55:56 PM
dbanwart$50.00$50.003/28/2010 7:46:04 PM
_kyle$25.00$25.003/28/2010 8:17:57 PM
AJSinvest$25.00$25.003/28/2010 1:30:49 PM
bjmazur$25.00$25.003/28/2010 8:45:05 PM
DadWarbucks$25.00$25.003/28/2010 11:44:13 PM
Boxhead$25.00$25.003/28/2010 7:23:57 PM
djh47a$25.00$25.003/28/2010 11:44:08 PM
mbillm00re2001$25.00$25.003/29/2010 2:44:12 AM
Captain88$25.00$25.003/29/2010 4:52:52 AM
ksubd$50.00$50.003/29/2010 12:46:37 AM
chief_wo$25.00$25.003/26/2010 4:18:17 PM
turbospeed$25.00$25.003/26/2010 4:18:40 PM
ArashMass$30.00$30.003/26/2010 4:19:01 PM
mrpowers5531$25.00$25.003/26/2010 4:13:34 PM
Raetha$25.00$25.003/26/2010 4:16:45 PM
degster$25.00$25.003/26/2010 4:17:12 PM
OLYVRC$25.00$25.003/26/2010 4:22:30 PM
swiftsoul$25.00$25.003/26/2010 4:22:34 PM
blukestrel$25.00$25.003/26/2010 4:18:11 PM
amijo$27.33$27.333/26/2010 4:18:21 PM
compassion-paladin042$25.00$25.003/26/2010 4:15:00 PM
KandKLegacyInvestments$25.00$25.003/26/2010 4:18:46 PM
zhiguli$25.00$25.003/26/2010 4:24:32 PM
kenji4861$25.00$25.003/26/2010 4:17:34 PM
Sam65$25.00$25.003/26/2010 4:18:22 PM
windfall46$25.00$25.003/26/2010 4:18:38 PM
Attract$25.00$25.003/26/2010 4:25:58 PM
successful-euro$50.00$50.003/26/2010 4:26:01 PM
xphile$25.00$25.003/26/2010 4:26:04 PM
dumbass$25.00$25.003/26/2010 4:22:32 PM
gemoscar$25.00$25.003/26/2010 4:26:58 PM
thegreatone$29.82$29.823/26/2010 4:22:17 PM
skuba$50.00$50.003/26/2010 4:26:20 PM
kchen486$25.00$25.003/26/2010 4:25:30 PM
skvat$25.00$25.003/26/2010 4:25:34 PM
credit-force5$25.00$25.003/26/2010 4:26:30 PM
honorable-yield$50.00$50.003/26/2010 4:25:50 PM
restless-currency$25.00$25.003/26/2010 4:26:36 PM
inspired-contract9$50.00$50.003/26/2010 4:26:18 PM
delicious-social132$40.00$40.003/26/2010 4:26:27 PM
Merganser$25.00$25.003/26/2010 4:26:52 PM
satisfying-durability$25.00$25.003/26/2010 4:28:02 PM
KiwiElf$30.00$30.003/26/2010 4:35:20 PM
rulender$50.00$50.003/26/2010 4:36:12 PM
Jassi$25.00$25.003/26/2010 4:36:40 PM
tolstoy00$25.00$25.003/26/2010 4:37:35 PM
flexible-value$31.00$31.003/26/2010 4:33:20 PM
thedoctor$50.83$50.833/26/2010 4:33:51 PM
djs81$25.00$25.003/26/2010 4:33:56 PM
AF-Chief$28.00$28.003/26/2010 4:34:01 PM
capital-web7$25.00$25.003/26/2010 4:34:36 PM
auction-turbine4$50.00$50.003/26/2010 4:34:46 PM
Tradesmanlender$25.00$25.003/26/2010 4:35:27 PM
mlbox3k$25.00$25.003/26/2010 4:36:01 PM
cjohnson041$35.00$35.003/26/2010 4:36:33 PM
reinforced-reward$25.00$25.003/26/2010 4:35:57 PM
Banker7371$25.00$25.003/26/2010 4:36:03 PM
morpholog$25.00$25.003/26/2010 4:37:33 PM
jimbo29blue$50.00$50.003/26/2010 7:51:54 PM
happyface$50.00$50.003/26/2010 8:04:02 PM
totoro$25.00$25.003/26/2010 5:24:29 PM
briphi$25.00$25.003/26/2010 7:23:55 PM
ingeborg77$50.00$50.003/26/2010 8:09:15 PM
DeathScythe676$25.00$25.003/27/2010 1:03:08 AM
diicali$25.00$25.003/27/2010 5:52:58 AM
rmachi$25.00$25.003/27/2010 6:49:12 AM
palpbert$25.00$25.003/26/2010 11:17:52 PM
reueljw$25.00$25.003/27/2010 7:07:54 AM
Barky52$25.00$25.003/27/2010 5:31:51 AM
asset-caballero$25.00$25.003/27/2010 8:37:53 AM
flwah$25.00$25.003/27/2010 6:48:28 AM
don8ter$36.71$36.713/27/2010 6:48:45 AM
mikeandcat$50.00$50.003/27/2010 6:48:54 AM
wise-silver-wonder$25.00$25.003/27/2010 6:49:16 AM
zeelender$25.00$25.003/27/2010 7:54:17 AM
16888$50.00$50.003/27/2010 10:28:16 AM
mmqc$25.00$25.003/27/2010 8:12:57 AM
EasternLender$25.00$25.003/27/2010 11:16:59 AM
laststrawman$25.00$25.003/27/2010 8:58:43 AM
ctgscott$25.00$25.003/27/2010 12:27:57 PM
xyzlmno$25.00$25.003/27/2010 9:52:57 AM
Mark-O-Polo$25.00$25.003/27/2010 10:28:03 AM
compatible-felicity$27.74$27.743/27/2010 10:36:06 AM
anton$25.00$25.003/27/2010 3:53:49 PM
Mr_Bigmoney$25.00$25.003/27/2010 10:12:55 PM
Geedub$25.88$25.883/27/2010 6:38:56 PM
pbeach05$25.00$25.003/27/2010 6:54:55 PM
SoCalRancher$25.00$25.003/28/2010 8:38:02 AM
MissionMicroFinance$25.00$25.003/28/2010 8:32:48 AM
stable-nickel$25.00$25.003/28/2010 2:34:23 PM
HHP$25.00$25.003/28/2010 10:47:56 AM
chanee83$50.00$50.003/28/2010 11:05:51 AM
toblerone$50.00$50.003/28/2010 5:53:34 PM
Doc23$25.00$25.003/28/2010 1:14:37 PM
faldska$25.00$25.003/28/2010 1:23:03 PM
Cluvnupe06$25.00$25.003/28/2010 8:17:55 PM
johngaltline$25.00$25.003/28/2010 1:47:55 PM
mjm77_1$25.00$25.003/28/2010 2:52:53 PM
dollar-birdie$25.00$25.003/28/2010 6:13:13 PM
towering-contract$25.00$25.003/28/2010 5:18:47 PM
GoGators01$25.00$25.003/28/2010 7:49:23 PM
196 bids