Sales Report:Supplement No. 186 dated Apr 29, 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 415089
This series of Notes was issued and sold upon the funding of the borrower loan #41999, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Apr-19-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 14.03% Starting borrower rate/APR: 15.03% / 17.20% Starting monthly payment: $346.80
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $346.65
 
Auction yield range: 6.04% - 14.03% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2002 Debt/Income ratio: 26%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 13Length of status:6y 0m
Credit score: 720-739 (Apr-2010) Total credit lines: 24 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $5,662Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mattwinch13 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 15 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
600-619 (Apr-2008)
660-679 (Dec-2007)
700-719 (Sep-2006)
700-719 (Apr-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Paying off my credit Card
Purpose of loan:
This loan will be used to consolidate debts

My financial situation:
I am a good candidate for this loan because I have a strong repayment history. The payment will be made automatically from my checking account.

Monthly net income: $4000+ between my wife and I.

Monthly expenses: $2490
??Housing: $400
??Insurance: $300
??Car expenses: $100
??Utilities: $400
??Phone, cable, internet: $40
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $500
??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
Q: I can't see where you owe $10K on the revolving credit. Please list amount owed/month payment/interest rate charged on all the debt you are trying to pay off. thks - jpblan11
A: Hello, one of the debts are in my wife's name $4000 @26% and I have thee that are $2000 at varying interest rates. Total minimum payments are $300/month (Apr-25-2010)
Q: What are the balances and interest rate of the debts. - jpblan11
A: Hello, one of the debts are in my wife's name $4000 @16% and I have thee that are $2000 at varying interest rates. Total minimum payments are $300/month (Apr-25-2010)
Q: Hi, Why do you want $10,000 this time? You don't have much revolving balance in your listing? Do you have other debts not listed? You borrowed much less from Prosper before. thanks, - p2ploan-sensation211
A: Hello, one of the debts are in my wife's name $4000 @16% and I have thee that are $2000 at varying interest rates. Total minimum payments are $300/month (Apr-25-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$28.00$28.004/19/2010 11:25:54 AM
integrity-doctor$100.00$100.004/19/2010 11:32:33 AM
hrubinst$25.00$25.004/19/2010 11:41:50 AM
unassassinable$25.00$25.004/19/2010 11:45:57 AM
nickel-ferret$25.00$25.004/19/2010 11:45:06 AM
bowdish1$50.00$50.004/19/2010 11:46:23 AM
egw$25.00$25.004/19/2010 11:41:32 AM
torion$25.00$25.004/19/2010 11:42:11 AM
Avala$50.00$50.004/19/2010 11:42:40 AM
dinero-speaker$25.00$25.004/19/2010 11:43:10 AM
orderly-leverage$40.00$40.004/19/2010 11:49:55 AM
frogperson$50.00$50.004/19/2010 11:50:53 AM
Dap2005$25.00$25.004/19/2010 11:45:43 AM
kindness-percolator5$25.00$25.004/19/2010 11:46:34 AM
important-ore$50.00$50.004/19/2010 11:58:29 AM
drcoop$25.00$25.004/19/2010 11:53:20 AM
balance2$50.00$50.004/19/2010 12:01:42 PM
KandKLegacyInvestments$25.00$25.004/19/2010 12:18:07 PM
income-fortress$25.00$25.004/19/2010 12:39:31 PM
balanced-bill7$100.00$100.004/19/2010 2:10:22 PM
Gibbyland$75.00$75.004/19/2010 7:52:58 PM
don8ter$25.00$25.004/20/2010 6:28:48 AM
Slend49$25.00$25.004/20/2010 6:28:59 AM
lowcostmoney$25.00$25.004/20/2010 12:55:15 PM
revenue-ruler6$25.00$25.004/20/2010 1:53:31 PM
finance-prescription$100.00$100.004/20/2010 1:23:12 PM
MortgageeMarty$25.00$25.004/20/2010 2:57:26 PM
loan-kung-fu$25.00$25.004/20/2010 12:35:09 PM
treasure-bliss$59.08$59.084/20/2010 12:55:59 PM
decisive-capital$57.44$57.444/20/2010 4:53:27 PM
cloud8$25.00$25.004/20/2010 5:28:51 PM
Supernick$50.00$50.004/20/2010 5:35:04 PM
a-studious-payment$25.00$25.004/21/2010 9:34:15 AM
jodilee31$25.00$25.004/21/2010 7:44:57 AM
GiantAardvark$25.00$25.004/21/2010 10:11:14 AM
JFKPilot$25.00$25.004/21/2010 12:47:43 PM
selector568$199.85$199.854/21/2010 1:12:52 PM
jgar_O$35.00$35.004/21/2010 3:35:31 PM
summrs1$25.00$25.004/21/2010 10:33:19 PM
organic-income5$40.00$40.004/21/2010 9:03:19 PM
rider350$25.00$25.004/22/2010 9:36:04 AM
credit-panda1$50.00$50.004/22/2010 10:50:55 AM
Cai8899$50.00$50.004/22/2010 11:55:38 AM
Gabriel02$25.00$25.004/22/2010 11:04:38 AM
Clambake$50.00$50.004/22/2010 12:24:48 PM
GElender$50.00$50.004/22/2010 12:24:42 PM
gelidfrank$25.00$25.004/22/2010 4:20:33 PM
Buffer10$25.00$25.004/22/2010 4:23:22 PM
Kilolani$50.00$50.004/22/2010 4:18:36 PM
EastBayCapital$50.00$50.004/22/2010 4:15:41 PM
coin-enclave$50.00$50.004/22/2010 6:42:06 PM
jeffpac$55.00$55.004/22/2010 7:18:57 PM
worth-arch$25.00$25.004/23/2010 8:27:50 AM
studious-camaraderi$25.00$25.004/23/2010 9:36:38 AM
TakeCare$50.00$50.004/23/2010 7:30:50 AM
Comoparklender$30.00$30.004/23/2010 8:44:09 AM
wise-silver-wonder$25.00$25.004/23/2010 9:42:08 AM
neutrino6$25.00$25.004/23/2010 8:21:13 AM
resource777$25.00$25.004/23/2010 9:03:16 AM
upbeat-principal$25.00$25.004/23/2010 8:28:17 AM
Tradesmanlender$25.00$25.004/23/2010 10:57:44 AM
oreyedoc$50.00$50.004/23/2010 11:12:27 AM
Marathoner$25.00$25.004/23/2010 11:50:51 AM
uncleubb$25.00$25.004/23/2010 2:53:55 PM
lowrate$25.00$25.004/23/2010 4:55:23 PM
treasure-generator$25.00$25.004/23/2010 5:00:57 PM
Aquani$50.00$50.004/23/2010 5:00:59 PM
biobulator$25.00$25.004/23/2010 5:01:04 PM
flyboy24$25.00$25.004/23/2010 5:02:31 PM
BBL$25.00$25.004/23/2010 5:02:28 PM
selfmademan$25.00$25.004/23/2010 4:58:22 PM
lending_pugs$25.00$25.004/23/2010 5:00:33 PM
cingular$25.00$25.004/23/2010 5:01:14 PM
CarDealer3070$25.00$25.004/23/2010 5:02:09 PM
lagnisiruk$25.00$25.004/23/2010 5:02:23 PM
usedtoborrow$48.83$48.834/23/2010 6:47:42 PM
loiosh$25.00$25.004/23/2010 5:04:29 PM
mikeandcat$25.00$25.004/23/2010 5:15:14 PM
ORteacher$50.00$50.004/23/2010 5:30:33 PM
RedCentre$500.00$500.004/24/2010 7:42:18 AM
castleman$25.00$25.004/24/2010 5:19:47 PM
ttnk62918$25.00$25.004/25/2010 9:55:20 AM
KiwiElf$25.00$25.004/25/2010 5:58:42 PM
salala$25.00$25.004/25/2010 5:59:09 PM
hopethisworks$43.36$43.364/25/2010 5:12:48 PM
atomx2$25.00$25.004/25/2010 5:37:53 PM
DasMula$25.00$25.004/25/2010 11:27:30 AM
well-mannered-income3$25.00$25.004/25/2010 8:28:18 PM
debtcollector$50.00$50.004/25/2010 8:31:43 PM
DcUnited$25.00$25.004/25/2010 9:53:13 PM
113121$25.00$25.004/26/2010 6:32:11 AM
IP$50.00$50.004/26/2010 4:57:28 AM
Plotinus$50.00$50.004/25/2010 7:10:51 PM
zeelender$25.00$25.004/25/2010 8:01:53 PM
nodrivelpls$25.00$25.004/26/2010 6:53:22 AM
ToloUSN$50.00$50.004/26/2010 8:39:37 AM
YellowJacket$25.00$25.004/26/2010 7:14:44 AM
lostontheedge$25.00$25.004/26/2010 7:15:05 AM
sgt-schultz$50.00$50.004/26/2010 7:18:28 AM
BoCo$25.00$25.004/26/2010 7:38:43 AM
satanichammy$25.00$25.004/26/2010 3:14:13 AM
booyah$50.00$50.004/26/2010 9:20:04 AM
stolan$25.00$25.004/26/2010 9:40:15 AM
Ogerta$25.91$25.914/26/2010 6:47:30 AM
aldeed$25.00$25.004/26/2010 6:49:07 AM
rate-hickory$25.00$25.004/26/2010 9:24:01 AM
ezhik00$25.00$25.004/26/2010 9:56:22 AM
patriot384$100.00$100.004/26/2010 7:14:13 AM
phillipd48$25.00$25.004/26/2010 10:06:28 AM
patriot384$100.00$100.004/26/2010 7:14:52 AM
jblack01$25.00$25.004/26/2010 7:15:01 AM
Interloper$25.00$25.004/26/2010 10:26:19 AM
favorite-commerce$25.00$25.004/26/2010 7:45:42 AM
martymaniaman$25.00$25.004/26/2010 8:08:08 AM
Moneypenny6$25.00$25.004/26/2010 11:06:25 AM
auction-poblano$25.00$25.004/26/2010 10:49:56 AM
Quetz$25.00$25.004/26/2010 9:20:05 AM
order-wizard$25.00$25.004/26/2010 11:15:56 AM
justice-magnate$50.00$50.004/26/2010 9:43:24 AM
EJO$25.00$25.004/26/2010 10:41:47 AM
wwwUniversal$25.00$25.004/26/2010 10:48:10 AM
dollardave$84.48$84.484/26/2010 10:48:59 AM
Nerdster1$25.01$25.014/26/2010 11:17:02 AM
108lender$100.00$100.004/19/2010 11:40:20 AM
delicious-social132$25.00$25.004/19/2010 11:42:56 AM
mmckune$25.00$25.004/19/2010 11:44:35 AM
a-consummate-camaraderi$50.00$50.004/19/2010 11:49:21 AM
Havana21$100.00$100.004/19/2010 11:50:22 AM
4est$25.00$25.004/19/2010 11:58:44 AM
Sven79$50.00$50.004/19/2010 11:52:43 AM
reliance1$25.00$25.004/19/2010 11:53:19 AM
bonus-adventure3$50.00$50.004/19/2010 11:51:41 AM
mpatrick$25.00$25.004/19/2010 12:05:38 PM
thedreamer$25.00$25.004/19/2010 12:02:46 PM
JGB$25.00$25.004/19/2010 12:03:46 PM
interest-jedi0$50.00$50.004/19/2010 12:05:11 PM
REBizGuy$50.00$50.004/19/2010 12:17:50 PM
FinDoc$25.00$25.004/19/2010 12:25:54 PM
reflective-rupee$100.00$100.004/19/2010 1:14:33 PM
market-pudding$25.00$25.004/19/2010 12:02:58 PM
CAGE-Investments$75.00$75.004/19/2010 2:03:23 PM
value-pouch$25.00$25.004/19/2010 2:53:12 PM
Ripsaw4U$25.00$25.004/19/2010 1:06:02 PM
contract-eagle$25.00$25.004/19/2010 3:58:26 PM
the-profit-oracle$25.00$25.004/19/2010 7:27:54 PM
bountiful-bazaar$25.00$25.004/19/2010 9:18:44 PM
return-eclipse0$25.00$25.004/20/2010 7:50:38 AM
stable-nickel$100.00$100.004/20/2010 7:50:43 AM
market-pudding$25.00$25.004/20/2010 1:25:28 AM
ferocious-money9$25.00$25.004/20/2010 9:34:31 AM
studious-bonus7$50.00$50.004/20/2010 8:20:21 AM
buphigam$27.00$27.004/20/2010 11:24:57 AM
orange-preeminant-bill$25.00$25.004/20/2010 12:49:39 PM
ichibon$28.95$28.954/20/2010 1:12:59 PM
smart-leverage7$25.00$25.004/20/2010 12:31:50 PM
ideal-platinum1$75.00$75.004/20/2010 4:09:19 PM
thrifty-funds1$25.00$25.004/20/2010 7:09:36 PM
mpactlender$25.00$25.004/21/2010 5:34:27 AM
yield-seeker$25.00$25.004/20/2010 8:04:03 PM
MTlender$25.00$25.004/21/2010 8:25:31 AM
money-boots2$25.00$25.004/21/2010 9:34:33 AM
bchen78875$25.00$25.004/21/2010 11:15:36 AM
1stBankAndHal$50.00$50.004/21/2010 11:19:52 AM
uncleubb$25.00$25.004/21/2010 1:38:49 PM
Breakfast_Gypsy$25.00$25.004/22/2010 9:35:48 AM
wings2fly$25.00$25.004/22/2010 12:24:01 PM
thorough-exchange4$25.00$25.004/22/2010 12:02:31 PM
buckyhead2000$25.00$25.004/22/2010 1:27:35 PM
Artist_Blue$25.00$25.004/22/2010 12:39:28 PM
petangerie$104.43$104.434/22/2010 4:22:29 PM
capital-web193$25.00$25.004/22/2010 4:54:42 PM
Prossper-Godfather$150.00$150.004/22/2010 4:10:07 PM
irrelevant$25.00$25.004/22/2010 7:18:48 PM
gunderstone$328.60$328.604/22/2010 9:33:26 PM
transparency-advocator$25.00$25.004/23/2010 9:38:00 AM
japerk$25.00$25.004/23/2010 11:12:56 AM
brazilofmux$37.35$37.354/23/2010 3:04:46 PM
engaging-worth$25.00$25.004/23/2010 3:20:24 PM
omerta6102$50.00$50.004/23/2010 5:00:30 PM
freetimeskier$50.00$50.004/23/2010 5:02:34 PM
new-reward-sequoia$25.00$25.004/23/2010 4:54:45 PM
metro457$25.00$25.004/23/2010 4:57:31 PM
rtb892$25.00$25.004/23/2010 6:54:49 PM
Turkish101$25.00$25.004/23/2010 5:04:31 PM
Hexnut$25.00$25.004/23/2010 8:37:41 PM
loss-of-control$50.00$50.004/23/2010 5:22:30 PM
radforj22$25.00$25.004/23/2010 7:12:52 PM
junctionking$25.00$25.004/24/2010 1:54:22 PM
cwb8539$25.00$25.004/25/2010 1:13:11 AM
dschaaf$25.00$25.004/24/2010 2:28:20 PM
vanderhp$25.00$25.004/25/2010 6:14:06 AM
DadWarbucks$25.00$25.004/25/2010 6:00:05 PM
outtahoth2o$50.00$50.004/25/2010 5:37:51 PM
Sixmil$25.00$25.004/25/2010 5:58:48 PM
marinade$35.00$35.004/25/2010 6:28:04 PM
flwah$25.00$25.004/25/2010 7:10:54 PM
p2ploan-sensation211$25.00$25.004/26/2010 7:43:13 AM
Sphinx9499$50.00$50.004/26/2010 8:17:11 AM
ISHLEP67$29.10$29.104/26/2010 6:53:20 AM
TCR3$25.00$25.004/26/2010 9:20:00 AM
cassius84$25.00$25.004/26/2010 9:20:23 AM
assetmanager$25.00$25.004/26/2010 8:32:53 AM
The-CAPS-fan$70.00$70.004/26/2010 9:08:56 AM
NDFIRTH$50.00$50.004/26/2010 9:40:34 AM
honorable-yield$50.00$50.004/26/2010 9:49:33 AM
IIP77$25.00$25.004/26/2010 9:56:27 AM
113121$2,700.00$910.244/26/2010 7:11:47 AM
greekgst99$25.00$25.004/26/2010 9:37:28 AM
Whipster$25.00$25.004/26/2010 7:14:48 AM
wwwUniversal$25.00$25.004/26/2010 10:27:36 AM
LenderByDay$25.00$25.004/26/2010 10:26:16 AM
credit-missile$75.00$75.004/26/2010 10:32:45 AM
anton$207.37$207.374/26/2010 9:20:02 AM
SNH$50.00$50.004/26/2010 9:20:07 AM
Superc0ld$100.00$100.004/26/2010 11:02:12 AM
BuzzyBee336$25.00$25.004/26/2010 9:21:20 AM
wonder3$25.00$25.004/26/2010 11:12:07 AM
dadalou$25.00$25.004/26/2010 9:38:16 AM
head$25.00$25.004/26/2010 9:56:33 AM
jpme$25.00$25.004/26/2010 10:43:49 AM
Dollars4Rent$25.00$25.004/26/2010 11:08:26 AM
221 bids
 
Borrower Payment Dependent Notes Series 453963
This series of Notes was issued and sold upon the funding of the borrower loan #42214, 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:  Apr-15-2010 
  Auction end date:  Apr-22-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $127.91
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $127.57
 
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: Oct-1978 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:0y 5m
Credit score: 780-799 (Apr-2010) Total credit lines: 9 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $7,600Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: return-kayak6 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Medical Bills
Purpose of loan:
In December,?I suffered from an?appendicitis and had emergency surgery.? While I was covered by my health insurance, there?is a balance remaining.?

My financial situation:
I am a good candidate for this loan because I always pay all of my bills and plan to pay this off before 3yrs.
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$25.004/15/2010 11:30:52 AM
meux99$25.00$25.004/15/2010 11:36:59 AM
worthy-wealth3$25.00$25.004/15/2010 11:43:50 AM
OLYVRC$25.00$25.004/15/2010 11:44:13 AM
mrzz$25.00$25.004/15/2010 11:48:12 AM
peerlender$30.00$30.004/15/2010 11:48:35 AM
delicious-social132$40.00$40.004/15/2010 11:56:12 AM
KeepOnRunning$50.00$50.004/15/2010 11:49:35 AM
truth-image$50.00$50.004/15/2010 11:45:43 AM
AmericanCredit$25.00$25.004/15/2010 11:48:29 AM
mtp$50.00$50.004/15/2010 11:49:02 AM
radforj22$25.00$25.004/15/2010 11:55:03 AM
Thunderswan$50.00$50.004/15/2010 11:55:12 AM
bright-balance$25.00$25.004/15/2010 12:04:52 PM
dinero-speaker$25.00$25.004/15/2010 11:58:23 AM
tenacious-compassion9$30.00$30.004/15/2010 12:00:23 PM
Dap2005$25.00$25.004/15/2010 12:00:45 PM
hrubinst$25.00$25.004/15/2010 11:56:51 AM
authoritative-capital$25.00$25.004/15/2010 12:09:42 PM
PRGuyinVA$25.00$25.004/15/2010 12:02:36 PM
careful-note$50.00$50.004/15/2010 11:59:32 AM
gain-seagull9$25.00$25.004/15/2010 12:11:27 PM
Cai8899$50.00$50.004/15/2010 12:06:44 PM
magical-greenback$25.00$25.004/15/2010 12:02:06 PM
integrity-doctor$100.00$100.004/15/2010 12:37:40 PM
fantastic-openness$50.00$50.004/15/2010 12:02:46 PM
contract-eagle$25.00$25.004/15/2010 12:08:39 PM
jsw7us$50.00$50.004/15/2010 12:09:18 PM
shrewd-peace7$25.00$25.004/15/2010 12:04:09 PM
a-consummate-camaraderi$50.00$50.004/15/2010 12:06:14 PM
tender-integrity3$50.00$50.004/15/2010 12:07:20 PM
red-trade-cologne$25.00$25.004/15/2010 12:10:09 PM
p2p_banker$25.00$25.004/15/2010 12:11:19 PM
bchen78875$50.00$50.004/15/2010 1:00:51 PM
buckyhead2000$25.00$25.004/15/2010 4:10:45 PM
the-profit-oracle$25.00$25.004/15/2010 3:41:48 PM
GElender$50.00$50.004/15/2010 4:00:54 PM
metro457$25.00$25.004/15/2010 6:34:56 PM
Havana21$50.00$50.004/15/2010 10:23:07 PM
ideal-platinum1$100.00$100.004/16/2010 5:35:02 AM
MihirFromRedmond$25.00$25.004/15/2010 10:23:36 PM
ichibon$75.00$75.004/16/2010 3:25:28 AM
treasure-bliss$100.00$100.004/16/2010 4:37:28 AM
dpdn57$25.00$25.004/16/2010 6:29:43 AM
Artist_Blue$25.00$25.004/16/2010 7:44:55 AM
LoanAngel$25.00$25.004/16/2010 9:19:10 AM
ROCKLYVALE$50.00$50.004/17/2010 7:31:16 PM
Pickmar$25.00$25.004/20/2010 9:11:20 AM
justice-collector$25.00$25.004/21/2010 4:52:49 AM
hawk357$50.00$50.004/20/2010 8:55:34 PM
Astyanax$30.00$30.004/21/2010 8:42:07 AM
persistent-value3$26.72$26.724/21/2010 10:24:39 AM
uncleubb$25.00$25.004/21/2010 1:38:08 PM
power-cell$42.00$42.004/21/2010 3:25:00 PM
Chillito$37.01$37.014/21/2010 9:59:39 PM
improvman$25.00$25.004/22/2010 10:59:44 AM
kenji4861$25.00$25.004/15/2010 11:36:05 AM
TheMan$25.00$25.004/15/2010 11:43:23 AM
antlr$25.00$25.004/15/2010 11:45:58 AM
fortytwo$100.00$100.004/15/2010 11:47:11 AM
Ivan2007$25.00$25.004/15/2010 11:48:01 AM
bowdish1$100.00$100.004/15/2010 11:50:15 AM
lagnisiruk$25.00$25.004/15/2010 11:46:35 AM
mmckune$25.00$25.004/15/2010 11:59:47 AM
unassassinable$25.00$25.004/15/2010 12:01:09 PM
bonus-adventure3$50.00$50.004/15/2010 11:56:35 AM
Avala$50.00$50.004/15/2010 11:57:40 AM
meenan$25.00$25.004/15/2010 11:58:31 AM
Supernick$50.00$50.004/15/2010 12:06:20 PM
heavenly-repayment4$25.00$25.004/15/2010 11:58:54 AM
nickel-ferret$25.00$25.004/15/2010 11:55:18 AM
Okeey$25.00$25.004/15/2010 12:07:09 PM
influential-compassion9$50.00$50.004/15/2010 12:07:54 PM
DonaldColorado$25.00$25.004/15/2010 12:08:26 PM
torion$25.00$25.004/15/2010 11:57:21 AM
Barak$40.00$40.004/15/2010 11:58:42 AM
bid-refresher2$25.00$25.004/15/2010 12:11:12 PM
skuba$25.00$25.004/15/2010 12:01:24 PM
kindness-percolator5$25.00$25.004/15/2010 12:01:51 PM
codavee$50.00$50.004/15/2010 12:03:00 PM
HHP$25.00$25.004/15/2010 12:03:29 PM
evnagelist$25.00$25.004/15/2010 12:10:00 PM
finance-prescription$100.00$100.004/15/2010 12:10:37 PM
TakeCare$50.00$50.004/15/2010 12:08:02 PM
iolaire$25.00$25.004/15/2010 1:43:21 PM
snazzet$25.00$25.004/15/2010 6:37:28 PM
useful-p2ploan$50.00$50.004/15/2010 10:08:01 PM
orange-preeminant-bill$100.00$100.004/16/2010 4:44:05 AM
wings2fly$25.00$25.004/15/2010 11:33:04 PM
orderly-leverage$40.00$40.004/15/2010 8:53:15 PM
lowrate$25.00$25.004/16/2010 12:33:03 AM
gatorjh$25.00$25.004/16/2010 7:08:44 AM
schpere$25.00$25.004/16/2010 4:43:06 AM
MiniBank998$25.00$25.004/16/2010 7:27:59 AM
emphatic-deal5$25.00$25.004/16/2010 9:35:07 AM
Daneistes$100.00$95.274/16/2010 9:35:41 AM
RandyL3$99.00$99.004/16/2010 3:00:03 PM
zippy-revenue8$25.00$25.004/17/2010 4:43:11 AM
turbospeed$25.00$25.004/18/2010 2:17:49 AM
dontscrewmeover1$25.00$25.004/18/2010 9:19:10 AM
qkinger$50.00$50.004/20/2010 11:37:55 AM
BankofBeth$25.00$25.004/21/2010 12:19:17 AM
wwwUniversal$25.00$25.004/21/2010 4:16:29 PM
Young-Y$40.00$40.004/21/2010 4:54:50 PM
104 bids
 
Borrower Payment Dependent Notes Series 454419
This series of Notes was issued and sold upon the funding of the borrower loan #42175, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Apr-19-2010 
  Auction end date:  Apr-25-2010 
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $159.04
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 27.31% Final monthly payment: $159.04
 
Auction yield range: 8.04% - 24.00% Estimated loss impact: 7.07%  
Lender servicing fee: 1.00% Estimated return: 16.93%  
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: May-2003 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 14Length of status:3y 10m
Credit score: 660-679 (Apr-2010) Total credit lines: 39 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $18,620Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: courageous-benjamins8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my Citibank credit card.

My financial situation:
In January, Citibank raised my interest rate from 3.99% to 29.99% because of my debt utilization. In the seven years that I have had it, it was never paid late. This credit card is my oldest account and has the highest credit limit so I was afraid to close the account because it would hurt my score even more.? Therefore, I need a loan to pay it down so Citibank doesn't make tons of money off of me.

I am an excellent candidate for this loan because I always pay my bills on time. I do not have any negative comments on my credit report because I focus on paying my debts before anything else.? I do own a house but the co-owner and two renters currently occupy it.? I live at home with my parents to minimize expenses and get my debt paid off.? I work as an actuary for a small benefits firm and have been there for almost 4 years with a steady, full time income.

Monthly net income: $ 3,000

Monthly expenses: $ On average my monthly expenses include:
Gas to and from work: $100
Cell Phone: $100
Credit Cards: $700
Food/Misc: $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)
blackstar$25.00$25.004/19/2010 11:33:08 AM
4est$25.00$25.004/19/2010 11:58:45 AM
lowcostmoney$26.00$26.004/19/2010 4:24:46 PM
festeringsnot$25.00$25.004/19/2010 3:57:40 PM
selector568$100.00$100.004/19/2010 5:31:31 PM
market-pudding$25.00$25.004/20/2010 5:15:56 AM
foothillender$25.00$25.004/20/2010 7:44:32 AM
Pickmar$25.00$25.004/20/2010 9:53:37 AM
leverage-monger$25.00$25.004/20/2010 6:59:52 AM
mpatrick$50.00$50.004/20/2010 4:07:11 PM
BradP$60.00$60.004/20/2010 5:57:33 PM
sociallender$25.00$25.004/21/2010 12:17:53 AM
new-peso-concerto$50.00$50.004/21/2010 10:49:30 AM
order-bee1$25.00$25.004/21/2010 10:26:45 AM
SolarMoonshine$25.00$25.004/21/2010 6:19:00 PM
debtcollector$50.00$50.004/22/2010 1:50:12 PM
ChrisKwan$25.00$25.004/22/2010 4:38:52 PM
Unitas4302$50.00$50.004/22/2010 6:51:03 PM
Bank_Of_XL$100.00$100.004/23/2010 5:33:34 AM
circustab$50.00$50.004/23/2010 7:07:18 AM
RoccoLoan$50.00$50.004/23/2010 12:33:24 PM
nilonc1$400.00$400.004/23/2010 3:52:44 PM
wizard750$31.21$31.214/23/2010 4:26:49 PM
JustMee$25.00$25.004/23/2010 4:48:02 PM
Lending1239$25.00$25.004/23/2010 4:57:11 PM
tnjohnso$25.00$25.004/23/2010 5:01:00 PM
Ven58$25.00$25.004/23/2010 5:23:32 PM
icecoldcash$50.00$50.004/23/2010 9:45:27 PM
orderly-leverage$100.00$100.004/24/2010 12:39:51 AM
loss-of-control$50.00$50.004/23/2010 5:26:03 PM
icecoldcash$25.00$25.004/23/2010 9:44:59 PM
tipan1$31.00$31.004/24/2010 2:49:12 AM
respectful-integrity3$25.00$25.004/23/2010 9:18:35 PM
icecoldcash$25.00$25.004/23/2010 9:44:32 PM
investment-tempo$75.00$75.004/23/2010 10:30:59 PM
WealthBoy$25.00$25.004/24/2010 11:49:02 AM
Finchy78$25.00$25.004/24/2010 6:08:08 AM
credit-missile$50.00$50.004/24/2010 3:39:36 PM
three-for-6$40.23$40.234/24/2010 4:42:57 PM
leverage-monger$25.00$25.004/24/2010 9:05:30 AM
mattblizz$50.00$50.004/24/2010 10:04:16 AM
bosloan26$40.00$40.004/24/2010 7:11:33 PM
rgryoung20$25.00$25.004/24/2010 11:43:38 AM
Starfin-Capital-Management$50.00$50.004/24/2010 1:44:47 PM
pure-silver$25.00$25.004/24/2010 11:12:59 PM
CTG_JaQ$50.00$50.004/24/2010 9:01:29 PM
reflective-rupee$25.00$25.004/25/2010 7:31:05 AM
MJF-PROJECT$25.00$25.004/24/2010 9:58:54 PM
rhin0cerx$50.00$22.674/19/2010 11:33:18 AM
egw$25.00$25.004/19/2010 11:41:31 AM
five-star-justice$36.00$36.004/19/2010 11:40:50 AM
caseattle$25.00$25.004/19/2010 3:58:36 PM
duty-monger$50.00$50.004/20/2010 7:38:57 AM
lendstats_com$25.00$25.004/20/2010 11:51:19 AM
market-pudding$25.00$25.004/21/2010 1:51:56 AM
cocolitovi$50.00$50.004/21/2010 11:17:49 AM
mercuriant$25.00$25.004/21/2010 11:33:17 AM
silver-armada$100.00$100.004/21/2010 7:43:31 PM
authoritative-capital$25.00$25.004/22/2010 6:02:41 PM
Imaginos1892$50.00$50.004/22/2010 6:10:56 PM
ProjectZygon$50.00$50.004/22/2010 6:41:46 PM
dcoggins$25.00$25.004/22/2010 8:22:57 PM
sincere-balance$25.00$25.004/22/2010 8:56:42 PM
SummaCapital$100.00$100.004/22/2010 10:10:23 PM
TakeCare$75.00$75.004/23/2010 7:38:02 AM
myglobal$45.01$45.014/23/2010 10:45:29 AM
persistent-income2$50.00$50.004/23/2010 10:01:07 AM
knight0916$25.00$25.004/23/2010 1:45:02 PM
ptjg$25.00$25.004/23/2010 4:56:50 PM
Serpent2801$36.09$36.094/23/2010 5:05:28 PM
MattProsper$35.00$35.004/23/2010 11:52:28 PM
loss-of-control$50.00$50.004/23/2010 5:26:22 PM
finance-prescription$100.00$100.004/24/2010 8:47:56 AM
greekpolis$29.00$29.004/23/2010 9:21:57 PM
icecoldcash$25.00$25.004/23/2010 9:44:20 PM
icecoldcash$25.00$25.004/23/2010 9:44:45 PM
icecoldcash$50.00$50.004/23/2010 9:45:47 PM
credit-coach118$50.00$50.004/24/2010 1:09:52 PM
sunshinysmiles$25.00$25.004/24/2010 11:57:23 AM
credit-missile$100.00$100.004/24/2010 1:12:18 PM
greenback-chairman5$25.00$25.004/24/2010 4:16:02 PM
newest-bountiful-basis$25.00$25.004/24/2010 7:49:45 AM
Verbage$92.79$92.794/24/2010 10:52:28 AM
Your_Bank$50.00$50.004/24/2010 7:14:50 PM
BuzzyBee336$25.00$25.004/24/2010 1:41:35 PM
VitaminFunk$25.00$25.004/24/2010 8:28:25 PM
Whipster$25.00$25.004/25/2010 2:41:58 AM
Myrick$25.00$25.004/25/2010 5:31:14 AM
heerzaquestion$75.00$75.004/25/2010 7:33:35 AM
89 bids
 
Borrower Payment Dependent Notes Series 454475
This series of Notes was issued and sold upon the funding of the borrower loan #42026, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Apr-16-2010 
  Auction end date:  Apr-22-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 34.35% Final monthly payment: $51.60
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 19.76%  
Lender servicing fee: 1.00% Estimated return: 10.24%  
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: 11%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:13y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 5Stated income:$25,000-$49,999
Now delinquent: 1 Revolving credit balance: $705 
Amount delinquent: $185 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: detroitclaydog Borrower's state: Michigan Borrower's group: Desert Orchid Lending Group, Dedicated to You!!
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: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
(Jan-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
buy used car
I FEEL A LITTLE RUSTY AT THIS....GOT THE EMAIL OFFERING ME TO APPLY FOR ANOTHER LOAN--THE LAST ONE ACTUALLY DID IMPROVE MY CREDIT SCORE (SLIGHTLY)--AND THE WORDS " CONSOLIDATE BILLS" RANG TRUE FOR ME.........I STILL HAVE A BILL COLLECTOR I'M PAYING OFF FROM MY VARIOUS SURGERIES PLUS A CREDIT CARD--ALL OF WHICH IT WOULD BE GREAT TO BE RID OF AND HAVE ONE SINGLE PAYMENT TO PAY ALL......PLUS I WOULD REALLY LIKE TO BUY MY KIDS SOMETHING NICE AND MAYBE BUY A PLANE TICKET TO VISIT MY OLDEST SON AND HIS WIFE IN CALIFORNIA....THAT'S REALLY ALL THERE IS TO IT....I'M STILL IN GREAT SHAPE AND MY KIDS AND GRANDKIDS ARE DOING GREAT (ONE OF MY GRANDKIDS GOES TO A "GIFTED CHILD" SCHOOL......I AM VERY PLEASED ABOUT THAT BECAUSE HE SEEMS SO HAPPY BEING WITH KIDS WHO ARE LIKE HE IS (I CAN RELATE TO THAT THINKING BACK TO MY CHILDHOOD).............I'M BEGINNING TO BLATHER-ON SO I'LL CLOSE.....YOU WERE ALL SO GOOD TO ME LAST TIME--REALLY WARMED MY HEART--THIS IS A GREAT SERVICE.

YOUR FRIEND,
LES



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: d-c-d, what you monthly net income and monthly expenses please. thank you. - Tono
A: Hello, hope you are well, this is my 3rd try to answer your question--something wrong with the website--won't let me type...here goes---income 1698-soc. sec. 462 pension 200-400 part time courier plus play piano and do home remodeling on the side...my expenses are, 675 rent...37 cellphone...78 cable/internet....29 electricity....39 gas...50 credit card.....86 car insurance...I apologize for the typing and format but it's the only way I could get it finished.......regards (Apr-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jhouman$25.00$25.004/18/2010 10:12:36 AM
SNH$50.00$50.004/19/2010 3:54:37 PM
mrxtravis$50.00$50.004/22/2010 1:30:33 PM
twjh$25.00$9.814/22/2010 4:52:17 PM
Your_Bank$25.00$25.004/22/2010 5:34:18 PM
Your_Bank$25.00$25.004/22/2010 5:34:41 PM
CoolPlexer$25.00$25.004/22/2010 5:44:22 PM
new-smart-fund$62.23$62.234/22/2010 6:14:08 PM
PotBellyPete$25.00$25.004/22/2010 7:48:51 PM
reflective-rupee$25.00$25.004/22/2010 6:39:43 PM
lucrative-loan$127.53$127.534/22/2010 6:08:18 PM
MoneyForNothing$25.00$25.004/19/2010 2:21:30 AM
UCLA4life$25.00$25.004/19/2010 4:52:24 PM
currency-bumblebee$25.00$25.004/22/2010 9:59:16 AM
Aberdeen$400.00$400.004/22/2010 4:38:53 PM
return-grizzly$100.00$100.004/22/2010 4:43:26 PM
twjh$25.00$25.004/22/2010 4:52:53 PM
Your_Bank$25.00$25.004/22/2010 5:35:01 PM
Kash2010lu$25.00$25.004/22/2010 6:58:59 PM
realtormoises$25.00$25.004/22/2010 7:26:01 PM
jpblan11$25.43$25.434/22/2010 6:16:53 PM
Bob450$50.00$50.004/22/2010 8:32:37 PM
22 bids
 
Borrower Payment Dependent Notes Series 454749
This series of Notes was issued and sold upon the funding of the borrower loan #42011, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Apr-19-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $339.27
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
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-1999 Debt/Income ratio: 29%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 11Length of status:11y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 28 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $4,288Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fixxittmann 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 / 1 On-time: 20 ( 95% ) 640-659 (Latest)
Principal borrowed: $5,350.00< mo. late: 1 ( 5% )  
600-619 (Jun-2008)
 
Principal balance: $2,523.59 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Pay off a loan
Purpose of loan:
I would like to pay off a loan to Citifinancial

My financial situation:
I am management at my place of employment with a $70,000 income.? I get yearly?bonuses any where from $5,000-$20,000...but with economic conditions it is more realistic to be?$5,000-$8,000.? I also carry the license under which my employer does business (Mechanical Contractor) which ensures a stable job with security.? I have also this last month paid off a tractor loan so I have less outgoing by $350.00.?? I have a current Prosper loan in good standing and my score has raised 40 points since that loan.? No delinguents, judgements etc.??

Monthly net income: $ 3,850.00 from job,? $3,300.00 adoption subsidy,
5,000-20,000 yearly bonus

Monthly expenses: $
??Housing: $ 2,000
??Insurance:?w/ house pmt
??Car expenses: $ none
??Utilities: $?200
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 675
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, What is your current payment amt. to citi and interest rate? Thank you, Steve - DasMula
A: My current payment is $378.00 at a rate of 34.99%. I understand it was my choice when obtaining the loan so I cannot complain about the rate. Unfortunately the loan was a very quick decision that I was able to obtain the same day for a family member. My issue is unresolved accounting matters that seem to be ongoing with them. My first hope was the interest would be bid down.....my second was at least a lateral move to remove them from the picture. (Apr-23-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$750.00$750.004/19/2010 5:01:19 PM
frogperson$100.00$100.004/20/2010 8:55:20 AM
YoungTaxMan$50.00$50.004/22/2010 3:21:17 PM
DasMula$25.00$25.004/22/2010 11:49:36 PM
113121$25.00$25.004/23/2010 2:52:35 PM
lendstats_com$25.00$25.004/24/2010 12:11:10 AM
capital-deployment$34.00$34.004/24/2010 4:38:37 PM
big_balla$25.00$25.004/24/2010 8:39:43 PM
Your_Bank$50.00$50.004/24/2010 7:31:59 PM
Your_Bank$50.00$50.004/24/2010 7:32:37 PM
113121$250.00$250.004/25/2010 4:54:41 PM
113121$250.00$250.004/25/2010 4:55:53 PM
Tono$25.00$25.004/25/2010 6:04:00 PM
113121$250.00$250.004/25/2010 4:55:03 PM
twjh$25.00$25.004/26/2010 7:25:47 AM
Whipster$25.00$25.004/26/2010 7:25:45 AM
tigercat$50.00$50.004/26/2010 9:55:19 AM
sjo1984111$25.00$25.004/26/2010 10:16:39 AM
chameleon125$50.00$50.004/26/2010 8:10:54 AM
Kash2010lu$35.00$35.004/26/2010 8:53:13 AM
AtmaSingshu$25.00$25.004/26/2010 11:04:10 AM
Skeptical-one$50.00$50.004/26/2010 9:41:11 AM
currency-bumblebee$50.00$50.004/22/2010 10:20:34 AM
DasMula$25.00$25.004/22/2010 11:49:25 PM
DasMula$25.00$25.004/22/2010 11:49:13 PM
loss-of-control$50.00$50.004/23/2010 5:36:36 PM
loss-of-control$50.00$50.004/23/2010 5:36:13 PM
Your_Bank$50.00$50.004/24/2010 7:31:30 PM
Your_Bank$50.00$50.004/24/2010 7:31:15 PM
Your_Bank$50.00$50.004/24/2010 7:31:00 PM
Your_Bank$50.00$50.004/24/2010 7:32:17 PM
113121$250.00$250.004/25/2010 4:55:35 PM
selector568$56.41$56.414/25/2010 5:59:07 PM
well-mannered-income3$125.00$125.004/25/2010 8:34:41 PM
113121$250.00$250.004/25/2010 4:55:19 PM
113121$4,369.18$3,569.444/26/2010 7:20:51 AM
loanman2007$75.00$75.004/26/2010 6:12:52 AM
lostviajero$25.00$25.004/26/2010 7:25:48 AM
martymaniaman$50.00$50.004/26/2010 8:10:08 AM
lucrative-loan$300.00$300.004/26/2010 6:13:23 AM
shawnw2$25.00$25.004/26/2010 9:40:19 AM
twjh$25.00$25.004/26/2010 7:25:46 AM
buffalobills$25.00$25.004/26/2010 7:29:28 AM
dynrep$25.00$25.004/26/2010 7:59:22 AM
lendstats_com$80.15$80.154/26/2010 11:14:20 AM
a_falk22$25.00$25.004/26/2010 11:09:18 AM
46 bids
 
Borrower Payment Dependent Notes Series 454757
This series of Notes was issued and sold upon the funding of the borrower loan #42208, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Apr-19-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $240.18
Final lender yield: 8.30% Final borrower rate/APR: 9.30% / 9.64% Final monthly payment: $239.55
 
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: Oct-1998 Debt/Income ratio: 31%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:9y 7m
Credit score: 800-819 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $210Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: obedient-benjamins Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my husband's credit card
Purpose of loan:
This loan will be used to?
Pay off my husband's credit card in which the interest rate was raised to 29.99%
My financial situation:
I am a good candidate for this loan because?I have always paid my bills on time. Having good credit is very important to me.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
KandKLegacyInvestments$25.00$25.004/19/2010 11:26:08 AM
iolaire$25.00$25.004/19/2010 11:30:20 AM
authoritative-capital$25.00$25.004/19/2010 11:26:48 AM
evnagelist$25.00$25.004/19/2010 11:31:14 AM
truth-image$50.00$50.004/19/2010 11:33:38 AM
Ivan2007$25.00$25.004/19/2010 11:34:51 AM
red-trade-cologne$25.00$25.004/19/2010 11:31:31 AM
nickel-ferret$25.00$25.004/19/2010 11:40:23 AM
Havana21$50.00$50.004/19/2010 11:50:10 AM
magical-greenback$25.00$25.004/19/2010 11:46:40 AM
HHP$25.00$25.004/19/2010 11:47:40 AM
TakeCare$100.00$100.004/19/2010 11:48:40 AM
DonaldColorado$25.00$25.004/19/2010 11:48:57 AM
meenan$25.00$25.004/19/2010 11:43:21 AM
Dreamconnection$25.00$25.004/19/2010 11:59:29 AM
codavee$50.00$50.004/19/2010 11:47:27 AM
intuitive-bill$25.00$25.004/19/2010 11:55:15 AM
DukSerduk$25.00$25.004/19/2010 11:56:09 AM
emt747$25.00$25.004/19/2010 11:59:14 AM
kchen486$25.00$25.004/19/2010 11:59:28 AM
theresnosn$25.00$25.004/19/2010 12:04:10 PM
Kerrysbay$50.00$50.004/19/2010 12:01:24 PM
kindness-percolator5$25.00$25.004/19/2010 11:53:04 AM
Hiru$25.00$25.004/19/2010 12:17:32 PM
acsej$25.00$25.004/19/2010 12:20:00 PM
brightest-income-hunter$25.00$25.004/19/2010 12:35:27 PM
treasure-amplifier6$25.00$25.004/19/2010 12:35:50 PM
wampum-reaction2$25.00$25.004/19/2010 12:36:33 PM
blissful-note7$25.00$25.004/19/2010 12:37:02 PM
kulender$25.00$25.004/19/2010 11:59:33 AM
Railbird$25.00$25.004/19/2010 12:21:45 PM
inspired-contract9$32.84$32.844/19/2010 12:22:46 PM
najmn103$25.00$25.004/19/2010 12:25:03 PM
Dap2005$33.84$33.844/19/2010 12:58:03 PM
engaging-worth$25.00$25.004/19/2010 12:01:03 PM
BayShell$25.00$25.004/19/2010 12:43:08 PM
AF-Chief$28.00$28.004/19/2010 1:04:34 PM
industrious-dedication$25.00$25.004/19/2010 1:13:09 PM
interest-jedi0$50.00$50.004/19/2010 12:05:20 PM
shrewd-deal$25.00$25.004/19/2010 2:27:48 PM
lloyd_s$25.00$25.004/19/2010 12:22:43 PM
smloanbigresult$25.00$25.004/19/2010 12:34:17 PM
a-finance-nirvana$25.00$25.004/19/2010 12:36:47 PM
moola-man$32.15$32.154/19/2010 12:37:20 PM
teller$35.71$35.714/19/2010 3:55:43 PM
octoberfresh$25.00$25.004/19/2010 12:59:33 PM
bayfocus$25.00$25.004/19/2010 1:43:28 PM
WHEREISTHEMOON$25.00$25.004/19/2010 3:44:44 PM
zigzagz03$25.00$25.004/19/2010 8:32:49 PM
don8ter$60.00$60.004/20/2010 6:28:23 AM
building-america$25.00$25.004/20/2010 9:34:09 AM
blackberry9$25.00$25.004/20/2010 10:13:30 AM
FjLenders$25.00$25.004/20/2010 11:28:17 AM
Walkingcowboy$25.00$25.004/20/2010 11:54:27 AM
revenue-ruler6$25.00$25.004/20/2010 1:53:14 PM
uncleubb$25.00$25.004/20/2010 2:09:15 PM
ingenious-order783$25.00$25.004/20/2010 6:00:56 PM
shadowflame_99$25.00$25.004/20/2010 6:01:10 PM
rescue$51.39$51.394/20/2010 6:10:14 PM
lifegrowth$25.00$25.004/20/2010 6:10:24 PM
unassuming-reward$25.00$25.004/20/2010 6:01:08 PM
jsw7us$50.00$50.004/20/2010 6:01:31 PM
naina_my_daughter$25.00$25.004/20/2010 8:59:17 PM
Jack1966$25.00$25.004/20/2010 6:10:20 PM
japerk$25.00$25.004/21/2010 8:13:52 AM
best-decisive-peace$25.00$25.004/21/2010 9:24:44 AM
hawaiiangirl76$25.00$25.004/21/2010 9:33:43 AM
GiantAardvark$25.00$25.004/21/2010 10:10:55 AM
thunderkiss$25.00$25.004/21/2010 10:18:55 AM
10ECgirl$25.00$25.004/21/2010 10:32:15 AM
generous-deal6$25.00$25.004/21/2010 10:44:10 AM
djs81$25.00$25.004/21/2010 11:16:13 AM
SDNLR$25.00$25.004/21/2010 11:27:19 AM
jdashv$25.00$25.004/21/2010 11:39:13 AM
ahansen$25.00$25.004/21/2010 11:43:19 AM
zenchef$25.00$25.004/21/2010 12:39:23 PM
loner001$25.00$25.004/21/2010 11:23:43 AM
bchen78875$50.00$50.004/21/2010 11:43:40 AM
solstice175$25.00$25.004/21/2010 1:45:53 PM
paladin847$25.00$25.004/21/2010 1:13:33 PM
investment-network$25.00$25.004/22/2010 7:07:46 AM
hookUup$25.00$25.004/22/2010 9:33:57 AM
MoneySiles$25.00$25.004/22/2010 6:02:48 AM
five-star-asset2$25.00$25.004/22/2010 9:35:15 AM
mykkai$25.00$25.004/22/2010 12:43:04 PM
GABC-1$100.00$100.004/22/2010 4:14:17 PM
astute-dollar$100.00$100.004/22/2010 4:49:07 PM
ddibernardo$50.00$50.004/22/2010 4:54:20 PM
the_prince$75.00$75.004/22/2010 5:28:12 PM
CornerKetch$25.00$25.004/22/2010 5:08:07 PM
ATOHokie$25.00$25.004/22/2010 6:07:49 PM
Interloper$35.00$35.004/22/2010 6:33:06 PM
bobbyoderek$25.00$25.004/22/2010 11:16:23 PM
worlds-best-auction$25.00$25.004/22/2010 9:58:54 PM
lenderme$25.00$25.004/23/2010 5:57:46 AM
integrity-broker$25.00$25.004/23/2010 5:57:47 AM
worthy-wealth3$25.00$25.004/23/2010 6:37:47 AM
fcukciti$44.86$31.604/23/2010 7:00:22 AM
LovinMe$25.00$25.004/23/2010 9:25:36 AM
integrity-cowbell$25.00$25.004/23/2010 10:49:51 AM
jfsllc$25.00$25.004/24/2010 2:52:04 PM
socal-lender$25.00$25.004/24/2010 4:13:44 PM
kenji4861$25.00$25.004/19/2010 11:26:16 AM
gain-seagull9$25.00$25.004/19/2010 11:31:59 AM
fortytwo$100.00$100.004/19/2010 11:34:36 AM
bowdish1$100.00$100.004/19/2010 11:35:58 AM
meux99$25.00$25.004/19/2010 11:28:02 AM
delicious-social132$40.00$40.004/19/2010 11:41:03 AM
mtp$50.00$50.004/19/2010 11:35:52 AM
radforj22$25.00$25.004/19/2010 11:30:49 AM
careful-note$50.00$50.004/19/2010 11:43:55 AM
tenacious-compassion9$30.00$30.004/19/2010 11:45:12 AM
bright-balance$25.00$25.004/19/2010 11:47:54 AM
Supernick$50.00$50.004/19/2010 11:48:21 AM
Barak$40.00$40.004/19/2010 11:43:39 AM
bonus-adventure3$50.00$50.004/19/2010 11:50:56 AM
contract-eagle$50.00$50.004/19/2010 11:49:06 AM
Daneistes$100.00$100.004/19/2010 11:52:07 AM
fantastic-openness$50.00$50.004/19/2010 11:47:00 AM
ideal-penny8$25.00$25.004/19/2010 11:59:26 AM
cptproton$25.00$25.004/19/2010 11:54:43 AM
tender-integrity3$50.00$50.004/19/2010 11:48:25 AM
Thunderswan$50.00$50.004/19/2010 12:01:08 PM
Tai$25.00$25.004/19/2010 12:02:54 PM
skuba$25.00$25.004/19/2010 11:59:24 AM
JGB$25.00$25.004/19/2010 12:03:22 PM
schpere$25.00$25.004/19/2010 11:51:18 AM
moves$25.00$25.004/19/2010 12:04:26 PM
thezfunk$25.00$25.004/19/2010 12:01:12 PM
LoanAngel$25.00$25.004/19/2010 11:51:54 AM
alpinaut$25.00$25.004/19/2010 12:04:41 PM
LR_Biker$25.00$25.004/19/2010 12:02:19 PM
peerlender$30.00$30.004/19/2010 12:02:50 PM
Cr_Sunset$25.00$25.004/19/2010 12:04:18 PM
antlr$25.00$25.004/19/2010 11:55:21 AM
stable-money$25.00$25.004/19/2010 12:05:26 PM
important-ore$100.00$100.004/19/2010 11:58:17 AM
AmericanCredit$25.00$25.004/19/2010 12:22:44 PM
dharma1$25.00$25.004/19/2010 12:03:50 PM
tortugato$25.00$25.004/19/2010 12:04:23 PM
kt103099$25.00$25.004/19/2010 12:19:58 PM
USMC0311$25.00$25.004/19/2010 12:21:12 PM
heavenly-repayment4$25.00$25.004/19/2010 12:22:16 PM
practice44$25.00$25.004/19/2010 2:28:17 PM
p2p_banker$25.00$25.004/19/2010 3:53:57 PM
money-floret$100.00$100.004/19/2010 3:54:45 PM
yield-seeker$25.00$25.004/19/2010 3:44:25 PM
lamarsam$25.00$25.004/19/2010 3:54:18 PM
Holtavious$25.00$25.004/19/2010 3:54:46 PM
value-pouch$50.00$50.004/19/2010 2:52:50 PM
mcs86d$25.00$25.004/19/2010 3:34:15 PM
Rivervale_Westwood$25.00$25.004/19/2010 3:44:28 PM
stable-nickel$200.00$200.004/20/2010 7:50:45 AM
cello1$25.00$25.004/20/2010 9:35:24 AM
cjames84$25.00$25.004/20/2010 11:41:18 AM
justice-dna$35.00$35.004/20/2010 8:53:01 AM
money-surge1$25.00$25.004/20/2010 9:34:39 AM
steady-funds6$25.00$25.004/20/2010 1:46:59 PM
HunterSix$25.00$25.004/20/2010 2:58:03 PM
movistar$25.00$25.004/20/2010 11:41:22 AM
auction-turbine4$50.00$50.004/20/2010 6:00:57 PM
restless-currency$25.00$25.004/20/2010 6:01:11 PM
kmr2$40.00$40.004/20/2010 6:00:54 PM
wampum-chorus3$25.00$25.004/20/2010 6:01:14 PM
hereverycentcounts$25.00$25.004/20/2010 6:01:29 PM
jd006006$40.00$40.004/20/2010 6:10:19 PM
cozy-worth7$25.00$25.004/20/2010 6:10:15 PM
market-assembler$42.38$42.384/20/2010 6:10:25 PM
relierma$25.00$25.004/20/2010 7:02:50 PM
mrzz$25.00$25.004/20/2010 6:59:59 PM
maldok1$25.00$25.004/20/2010 6:00:59 PM
mlopez2007$25.00$25.004/20/2010 6:01:27 PM
bds9646$26.00$26.004/20/2010 6:10:16 PM
dpfl55$25.00$25.004/20/2010 6:10:23 PM
GrommetPosse$25.00$25.004/20/2010 10:58:16 PM
useful-p2ploan$37.62$37.624/20/2010 11:47:45 PM
Pasagam$25.00$25.004/21/2010 8:49:25 AM
affluent-anteater$25.00$25.004/21/2010 9:32:48 AM
GetItRight$25.00$25.004/21/2010 9:32:53 AM
sb0453$25.00$25.004/21/2010 9:33:01 AM
Timchenko_LLC$25.00$25.004/21/2010 10:11:32 AM
figs4u2$80.00$80.004/21/2010 11:12:50 AM
Cheburashka$30.00$30.004/21/2010 11:14:31 AM
community-saver158$45.22$45.224/21/2010 9:35:10 AM
afotherg$25.00$25.004/21/2010 2:43:34 PM
windfall46$25.00$25.004/21/2010 1:05:25 PM
BigLinCT$25.00$25.004/21/2010 4:42:55 PM
organic-income5$50.00$50.004/21/2010 9:02:52 PM
contract-giant$25.00$25.004/22/2010 9:34:42 AM
jjb3$25.00$25.004/22/2010 9:37:14 AM
thorough-exchange4$40.00$40.004/22/2010 12:02:07 PM
GeorgiaGator$50.00$50.004/22/2010 1:08:07 PM
Refugee$39.40$39.404/22/2010 1:46:07 PM
Sam65$25.00$25.004/22/2010 1:49:09 PM
GABC-1$50.00$50.004/22/2010 4:14:36 PM
buckyhead2000$25.00$25.004/22/2010 4:40:42 PM
mdfrog13$25.00$25.004/22/2010 4:22:21 PM
capital-web193$25.00$25.004/22/2010 4:55:25 PM
pumped130$25.00$25.004/22/2010 3:57:53 PM
stella64$25.00$25.004/22/2010 5:29:41 PM
bonus-patriot$25.00$25.004/22/2010 5:23:06 PM
lagnisiruk$25.00$25.004/22/2010 4:42:12 PM
OaklandIuMien$50.00$50.004/22/2010 5:09:27 PM
mar97$25.00$25.004/22/2010 8:15:26 PM
jeffpac$55.00$55.004/22/2010 7:18:55 PM
lukeskywalkerkp$25.00$25.004/22/2010 7:34:34 PM
ramsumana$25.00$25.004/23/2010 12:57:41 AM
debtcollector$50.00$50.004/22/2010 7:37:05 PM
supreme-hope$25.00$25.004/23/2010 5:18:00 AM
decisive-capital$25.00$25.004/23/2010 6:37:49 AM
paramjit$200.00$200.004/22/2010 9:11:05 PM
wwwUniversal$25.00$25.004/23/2010 6:14:31 AM
InvestinginU$50.00$50.004/23/2010 10:46:55 AM
Montgomery-Burns$25.00$25.004/23/2010 11:37:04 AM
rdrloan$27.42$27.424/23/2010 4:59:52 PM
Bank_of_E-Ville$40.00$40.004/25/2010 7:41:01 AM
theloanfiller$25.00$25.004/24/2010 4:50:25 PM
interstellar$41.43$41.434/25/2010 5:34:15 PM
SOP_Bank$25.00$25.004/25/2010 9:07:15 AM
CCIExpress$25.00$25.004/25/2010 6:54:00 PM
220 bids
 
Borrower Payment Dependent Notes Series 454873
This series of Notes was issued and sold upon the funding of the borrower loan #42005, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 30.00% Starting borrower rate/APR: 31.00% / 33.39% Starting monthly payment: $172.00
Final lender yield: 29.99% Final borrower rate/APR: 30.99% / 33.38% Final monthly payment: $171.98
 
Auction yield range: 8.04% - 30.00% Estimated loss impact: 8.73%  
Lender servicing fee: 1.00% Estimated return: 21.26%  
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-1997 Debt/Income ratio: 28%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:11y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 38 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,264Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: special-silver 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
Loan to help my daughter pay bills
Purpose of loan:
This loan will be used to?
Help my daugther pay some bills so she can go to school full time, and finished in one more year
My financial situation:
I am a good candidate for this loan because?
I would not have problems to pay it back since I have my VA pension, and also could
use my wife's income to help pay the loan if it was neccesary.

Monthly net income: $ 3500
Monthly expenses: $
??Housing: $ 1100
??Insurance: $50??Car expenses: $ 100
??Utilities: $?125??Phone, cable, internet: $ 45
??Food, entertainment: $ 125
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tntmojave$25.00$25.004/20/2010 4:23:42 PM
copper$30.00$30.004/20/2010 4:28:43 PM
CyberCapital$25.00$25.004/20/2010 4:23:06 PM
tntmojave$25.00$25.004/20/2010 4:33:40 PM
frogperson$50.00$50.004/20/2010 4:34:04 PM
tntmojave$25.00$25.004/20/2010 4:33:51 PM
income-fortress$25.00$25.004/20/2010 4:38:43 PM
robot777$40.00$40.004/20/2010 4:31:52 PM
smart-gain$50.00$50.004/21/2010 9:33:11 AM
golden-cat$25.00$25.004/21/2010 9:07:59 AM
OTRjohn$75.00$75.004/21/2010 2:54:31 PM
increase720$100.00$100.004/22/2010 4:35:59 PM
ScoopnDots$50.00$50.004/22/2010 4:37:19 PM
hughro$60.00$60.004/23/2010 4:41:16 AM
restless-dime$25.00$25.004/23/2010 9:35:36 AM
FinDoc$25.00$25.004/23/2010 3:56:07 PM
wise-silver-wonder$25.00$25.004/23/2010 5:23:41 PM
mpatrick$28.65$28.654/24/2010 7:58:51 AM
selector568$25.00$25.004/24/2010 10:28:00 AM
theonezozo$25.00$25.004/26/2010 10:41:15 AM
takingachance$67.36$67.364/26/2010 12:33:07 PM
Karey$25.00$25.004/26/2010 3:17:41 PM
well-mannered-income3$25.00$25.004/26/2010 2:53:24 PM
CO_Engineer$25.00$25.004/26/2010 1:14:08 PM
Helenska11$25.00$25.004/26/2010 4:25:01 PM
Virtuallending$63.73$63.734/26/2010 5:56:07 PM
b2m80s$25.00$25.004/26/2010 5:33:14 PM
YeoLenderSource$25.00$25.004/26/2010 4:21:42 PM
keynaples$50.00$50.004/26/2010 4:22:12 PM
top-courteous-peso$25.00$25.004/26/2010 4:28:54 PM
thomas16882004$25.00$25.004/26/2010 4:29:09 PM
Bob450$46.00$46.004/26/2010 8:44:15 PM
wealth-pal3$25.00$25.004/26/2010 4:31:10 PM
NekHoldings$25.00$25.004/27/2010 5:27:59 AM
meers2000$25.00$25.004/27/2010 5:57:03 AM
reflective-rupee$500.00$500.004/27/2010 8:26:48 AM
Sagenius$25.00$25.004/27/2010 6:18:31 AM
blackbear$40.30$40.304/27/2010 9:12:38 AM
victor111$25.00$4.044/26/2010 10:48:23 PM
IASKGOD$35.00$35.004/27/2010 7:43:51 AM
Zipcut$26.78$26.784/27/2010 8:47:20 AM
Your_Bank$50.00$50.004/27/2010 9:40:38 AM
Your_Bank$50.00$50.004/27/2010 9:40:59 AM
Your_Bank$50.00$50.004/27/2010 9:40:22 AM
Your_Bank$50.00$50.004/27/2010 9:41:19 AM
Kash2010lu$25.00$25.004/27/2010 9:47:46 AM
The-CAPS-fan$45.00$45.004/27/2010 10:35:26 AM
Evolver$62.37$62.374/27/2010 10:37:31 AM
vigilance-searcher$25.00$25.004/27/2010 12:07:35 PM
shrewd-income$100.00$100.004/27/2010 12:11:50 PM
wwwUniversal$25.00$25.004/27/2010 12:19:06 PM
reflective-rupee$100.00$100.004/27/2010 12:50:07 PM
Bill88$30.00$30.004/27/2010 3:27:54 PM
Ven58$25.00$25.004/27/2010 12:50:51 PM
transparency-tomahawk$25.00$25.004/27/2010 2:29:08 PM
Frosty$25.00$25.004/27/2010 3:29:41 PM
patriot384$50.00$50.004/27/2010 3:51:41 PM
zztopdog$25.00$25.004/27/2010 4:07:55 PM
five-star-justice$36.00$36.004/20/2010 4:23:45 PM
blackstar$25.00$25.004/20/2010 4:24:00 PM
flyinhawaiian$50.00$50.004/20/2010 4:22:12 PM
rhin0cerx$50.00$50.004/20/2010 4:24:02 PM
tntmojave$25.00$25.004/20/2010 4:33:44 PM
TheFamilyFund$25.00$25.004/20/2010 4:38:58 PM
lowcostmoney$26.00$26.004/20/2010 8:19:19 PM
BradP$50.00$50.004/21/2010 6:11:24 PM
invisible_hand$50.00$50.004/22/2010 12:01:29 PM
authoritative-capital$25.00$25.004/23/2010 5:05:38 PM
Rogesparkguy$25.00$25.004/23/2010 7:21:14 PM
Credit4Talent$30.00$30.004/26/2010 10:34:06 AM
ChrisKwan$25.00$25.004/26/2010 12:09:55 PM
heroic-hope5$25.00$25.004/26/2010 12:29:05 PM
tnjohnso$25.00$25.004/26/2010 12:30:03 PM
new-goal-return$25.00$25.004/26/2010 12:26:45 PM
fostaman$25.00$25.004/26/2010 4:21:20 PM
wise-courageous-social$45.00$45.004/26/2010 4:25:18 PM
stockpiler079$25.00$25.004/26/2010 4:28:55 PM
Tono$25.00$25.004/26/2010 4:56:01 PM
elegant-loot$25.00$25.004/26/2010 4:30:58 PM
umfan123$25.00$25.004/27/2010 7:09:10 AM
LeoBUSIIT$25.00$25.004/27/2010 7:26:43 AM
umfan123$25.00$25.004/27/2010 7:09:20 AM
Your_Bank$50.00$50.004/27/2010 9:41:38 AM
Your_Bank$50.00$50.004/27/2010 9:42:00 AM
ore-dojo$25.00$25.004/27/2010 9:44:46 AM
booOST$100.00$100.004/27/2010 9:58:49 AM
puyanera$25.00$25.004/27/2010 10:49:50 AM
investment-cluster$25.00$25.004/27/2010 12:35:40 PM
farchoir$25.00$25.004/27/2010 12:52:47 PM
unger$50.00$50.004/27/2010 1:30:30 PM
Hatdance$25.00$25.004/27/2010 3:15:31 PM
five-star-bonus6$25.00$25.004/27/2010 3:29:47 PM
dynrep$25.00$25.004/27/2010 4:03:02 PM
CO_Engineer$100.00$100.004/27/2010 12:51:19 PM
branaa99$25.00$25.004/27/2010 3:42:43 PM
shrewd-income$58.77$58.774/27/2010 3:49:13 PM
96 bids
 
Borrower Payment Dependent Notes Series 455159
This series of Notes was issued and sold upon the funding of the borrower loan #42187, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $324.46
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $323.61
 
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: Jun-1990 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 16Length of status:1y 10m
Credit score: 760-779 (Apr-2010) Total credit lines: 31 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $41,555Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sparkling-point160 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 High-Interest Credit Cards
Purpose of loan:
I unfortunately lost my job in 2007 and could not find a new one for over a year. Finally, in 2008, I found a new job and was able to start working again. However, being unemployed without any income for about 8 months (unemployment only lasted 6 months back then). I lived off my credit cards and exhausted my savings. I was paying off one card to pay another bill and living on rice and beans for several months. I never expected to not be able to find another position for so long as a therapist working with children, it was?a devastating and demoralizing experience.??Next thing I knew, my once very high credit score plumeted down and all my credit cards?sored to?30 % interest rate. Suddenly, I was real personal financial crisis. Since, I found my new job, some of debt has been payed down, (about half)but even with two jobs, I am barely making it each month.?Some of my banks were willing to work with me and brought my?interest rates down to 19%, but that is still a very high rate. I am hoping to bring down my monthly payments and interest rate to one affordable monthly payment.
My financial situation:
I am a good candidate for this loan because even when I was unemployed I managed to pay my min. rate each month, plus I got a second part time job to get my cards paid off even quicker. I am a hard worker and am just looking for a lower rate to consolidate this debt into something more manageable than $950.00 per month in min. payments. I just can't afford the high rates on the several cards-it's drowning me in debt. I paid off a lot of my outstanding debt over the last 2 years and believe me it was struggle. I work hard, prior to my unemployment I had an outstanding credit rating and have always been able to pay off any credit card debt in the past. I had to use my credit cards to help pay bills while unemployed and I didn't expect to ever be paying a 29% interest rate on any of them. Some have lowered to 19% over the past year, but that is still very high. I would really appreciate any help, since in the traditionally methods, my debt to income has become to high for a loan, yet, I can't seem to ever catch up. I just would like a little help to get me back on the right track again and earn the right to a second chance towards financial freedom!
Thanks in advance.
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)
benefit-arch$25.00$25.004/20/2010 4:12:17 PM
ichibon$46.73$46.734/20/2010 4:12:20 PM
AF-Chief$27.00$27.004/20/2010 4:24:19 PM
hrubinst$25.00$25.004/20/2010 4:32:04 PM
Avala$50.00$50.004/20/2010 4:32:19 PM
dinero-speaker$25.00$25.004/20/2010 4:32:32 PM
a-consummate-camaraderi$50.00$50.004/20/2010 4:34:26 PM
interest-jedi0$50.00$50.004/20/2010 4:37:36 PM
finance-prescription$100.00$100.004/20/2010 4:39:17 PM
market-pudding$25.00$25.004/20/2010 4:37:19 PM
delicious-social132$25.00$25.004/20/2010 4:32:26 PM
DUDE66$28.10$28.104/20/2010 5:14:56 PM
financial-frenzy$50.00$50.004/20/2010 5:02:47 PM
mmckune$25.00$25.004/20/2010 4:33:07 PM
iolaire$25.00$25.004/20/2010 5:02:55 PM
orderly-leverage$40.00$40.004/20/2010 4:34:45 PM
smloanbigresult$25.00$25.004/20/2010 5:28:17 PM
bonus-adventure3$25.00$25.004/20/2010 4:35:14 PM
direct-peso1$25.00$25.004/20/2010 5:30:49 PM
Okeey$25.00$25.004/20/2010 5:31:18 PM
bountiful-bazaar$25.00$25.004/20/2010 5:33:16 PM
value-microscope$25.00$25.004/20/2010 5:33:37 PM
sloak$25.00$25.004/20/2010 5:33:30 PM
gracej$25.00$25.004/20/2010 5:33:52 PM
thoughtful-community7$25.00$25.004/20/2010 5:33:40 PM
HaveToWrite$25.00$25.004/20/2010 5:33:56 PM
influential-compassion9$30.00$30.004/20/2010 5:33:59 PM
return-buddy$25.00$25.004/20/2010 5:34:03 PM
Nerdster1$25.00$25.004/20/2010 5:34:06 PM
PRGuyinVA$25.00$25.004/20/2010 5:34:10 PM
supersarah61$25.00$25.004/20/2010 5:34:15 PM
authoritative-capital$25.00$25.004/20/2010 5:34:18 PM
MihirFromRedmond$25.00$25.004/20/2010 5:34:31 PM
Slend49$25.00$25.004/20/2010 4:39:08 PM
interest-griffin$50.00$50.004/20/2010 5:34:40 PM
Ripsaw4U$25.00$25.004/20/2010 5:34:34 PM
availableloan$25.00$25.004/20/2010 5:36:26 PM
Binan$25.00$25.004/20/2010 5:36:43 PM
Steveoo1$25.00$25.004/20/2010 5:58:47 PM
heavenly-repayment4$30.00$30.004/20/2010 6:01:38 PM
r0b3m4n$25.00$25.004/20/2010 5:29:09 PM
kirkjerk$25.00$25.004/20/2010 6:10:11 PM
schpere$25.00$25.004/20/2010 6:10:31 PM
LAM26$25.00$25.004/20/2010 6:09:40 PM
chief_wo$25.00$25.004/20/2010 6:18:18 PM
jrbill1998$50.00$50.004/20/2010 5:33:49 PM
aggielender$25.00$25.004/20/2010 5:34:01 PM
return-eclipse0$25.00$25.004/20/2010 5:34:17 PM
JaxFlorida$25.00$25.004/20/2010 5:36:55 PM
br4444$25.00$25.004/20/2010 5:58:43 PM
enlisted33$25.00$25.004/20/2010 7:57:46 PM
useful-p2ploan$33.23$33.234/20/2010 10:37:48 PM
phaded$25.00$25.004/20/2010 6:09:59 PM
debt-system880$25.00$25.004/20/2010 10:09:17 PM
calilending$25.00$25.004/21/2010 12:14:14 AM
thrifty-funds1$25.00$25.004/20/2010 7:17:39 PM
balance-voyager$27.37$27.374/21/2010 4:18:11 AM
life-is-great$25.00$25.004/21/2010 6:22:49 AM
yield-seeker$25.00$25.004/20/2010 8:03:56 PM
bold-principal-thinker$25.00$25.004/21/2010 8:09:01 AM
mulberry4$25.00$25.004/20/2010 10:02:45 PM
DublinCaLender$25.00$25.004/20/2010 11:37:43 PM
whois-JohnGalt$25.00$25.004/21/2010 9:33:26 AM
nands31$25.00$25.004/21/2010 9:33:32 AM
chairsitter$25.00$25.004/21/2010 9:26:12 AM
topper480$25.00$25.004/21/2010 9:33:57 AM
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principal-flow9$25.00$25.004/21/2010 6:37:49 AM
rupee-paloverde$50.00$50.004/21/2010 9:34:23 AM
money-boots2$25.00$25.004/21/2010 9:34:29 AM
cpblue79$41.91$41.914/21/2010 6:52:41 AM
CalBear5$25.00$25.004/21/2010 10:07:26 AM
GiantAardvark$25.00$25.004/21/2010 10:11:05 AM
ahansen$25.00$25.004/21/2010 10:20:41 AM
HedgeFund$40.00$40.004/21/2010 8:42:54 AM
lloyd_s$25.00$25.004/21/2010 8:59:14 AM
Tc11902$25.00$25.004/21/2010 9:13:19 AM
lender08$25.00$25.004/21/2010 10:41:11 AM
forthright-trade$25.00$25.004/21/2010 10:40:14 AM
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junctionking$25.00$25.004/21/2010 10:48:12 AM
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iluxa$25.00$25.004/21/2010 12:12:55 PM
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Kulchar$31.64$31.644/21/2010 12:13:15 PM
TheBestDad$25.00$25.004/21/2010 11:13:34 AM
HT3$50.00$50.004/21/2010 12:40:52 PM
abeprof70$25.00$25.004/21/2010 12:44:10 PM
loan-master996$40.34$40.344/21/2010 1:13:14 PM
impeccable-transparency$43.79$43.794/21/2010 11:54:42 AM
sincere-rate8$25.00$25.004/21/2010 1:18:33 PM
Lightlife$41.25$41.254/21/2010 12:05:02 PM
red-undaunted-kindness$45.22$45.224/21/2010 1:28:50 PM
3am-preacher$25.00$25.004/21/2010 1:19:30 PM
credit-kahuna$60.92$60.924/21/2010 1:20:22 PM
Radu43$25.00$25.004/21/2010 12:31:57 PM
AlexTrep$25.00$25.004/21/2010 3:58:20 PM
ccdmp2004$25.00$25.004/21/2010 12:54:07 PM
BlindJoeDeath$25.00$25.004/21/2010 1:13:22 PM
Eric15378$25.61$25.614/21/2010 3:58:06 PM
best-phenomenal-treasure$25.00$25.004/21/2010 1:28:35 PM
JSON$25.00$25.004/21/2010 3:27:41 PM
revenue-officer36$40.76$40.764/21/2010 3:57:57 PM
samo102us$25.00$25.004/21/2010 3:58:13 PM
unclerock$40.69$40.694/21/2010 3:58:18 PM
powerful-velocity$25.00$25.004/21/2010 5:33:26 PM
organic-income5$40.00$40.004/21/2010 9:03:10 PM
contract-giant$25.00$25.004/22/2010 9:34:33 AM
rider350$25.00$25.004/22/2010 9:35:57 AM
Gabriel02$25.00$25.004/22/2010 11:05:02 AM
thorough-exchange4$25.00$25.004/22/2010 12:02:22 PM
Rogesparkguy$25.00$25.004/22/2010 4:55:19 PM
capital-web193$25.00$25.004/22/2010 4:54:33 PM
gelidfrank$25.00$25.004/22/2010 4:54:57 PM
neutrino6$25.00$25.004/23/2010 8:21:08 AM
Amsie614$25.00$25.004/23/2010 6:21:55 AM
resource777$25.00$25.004/23/2010 9:03:10 AM
worth-arch$25.00$25.004/23/2010 8:27:46 AM
Comoparklender$30.00$30.004/23/2010 8:44:02 AM
sgt-schultz$50.00$50.004/23/2010 11:43:04 AM
thedreamer$25.00$25.004/23/2010 11:42:24 AM
Breakfast_Gypsy$25.00$25.004/23/2010 5:16:28 PM
decisive-capital$50.00$50.004/23/2010 4:59:04 PM
Supernick$50.00$50.004/23/2010 4:59:30 PM
Clambake$40.28$40.284/23/2010 5:03:27 PM
mpactlender$25.00$25.004/23/2010 5:05:26 PM
Cai8899$50.00$50.004/23/2010 7:49:30 PM
newest-bountiful-basis$25.00$25.004/24/2010 7:47:46 AM
Artist_Blue$25.00$25.004/24/2010 12:29:21 PM
kdeshawn$42.13$42.134/24/2010 7:50:30 AM
irrelevant$25.00$25.004/24/2010 5:10:44 PM
wings2fly$25.00$25.004/24/2010 5:11:02 PM
vanderhp$25.00$25.004/25/2010 6:14:00 AM
RickD1003$50.00$50.004/25/2010 2:53:02 PM
DcUnited$25.00$25.004/25/2010 9:53:10 PM
Redleg6$25.00$25.004/26/2010 6:13:36 AM
ToloUSN$50.00$50.004/26/2010 8:58:25 AM
shrewd-value$25.00$25.004/26/2010 9:38:05 AM
honorable-yield$50.00$50.004/26/2010 9:49:40 AM
priceless-money6$50.00$50.004/26/2010 9:38:24 AM
Tradesmanlender$25.00$25.004/26/2010 12:10:40 PM
mikeandcat$50.00$50.004/26/2010 12:10:42 PM
mrrc7498$25.00$25.004/26/2010 10:12:44 AM
salala$25.00$25.004/26/2010 12:10:58 PM
gustavholstopus32$25.00$25.004/26/2010 11:31:58 AM
oreyedoc$50.00$50.004/26/2010 12:09:34 PM
cash-blueberry$25.00$25.004/26/2010 1:55:19 PM
flyboy24$25.00$25.004/26/2010 12:11:29 PM
treasure-generator$25.00$25.004/26/2010 12:12:03 PM
festeringsnot$25.00$25.004/26/2010 3:29:27 PM
wwwUniversal$25.00$25.004/26/2010 1:47:49 PM
pposFUNDing$25.00$25.004/26/2010 7:36:52 PM
catalystcf$25.00$25.004/27/2010 6:48:14 AM
agab$25.00$25.004/27/2010 12:03:10 PM
radiant-value$25.00$25.004/27/2010 12:31:05 PM
rce1964$25.00$25.004/27/2010 11:34:21 AM
KandKLegacyInvestments$25.00$25.004/20/2010 4:18:57 PM
torion$25.00$25.004/20/2010 4:32:08 PM
unassassinable$25.00$25.004/20/2010 4:33:16 PM
Dap2005$25.00$25.004/20/2010 4:38:24 PM
integrity-doctor$100.00$100.004/20/2010 4:37:58 PM
balanced-bill7$100.00$100.004/20/2010 4:38:07 PM
kindness-percolator5$25.00$25.004/20/2010 4:38:32 PM
balance2$32.00$32.004/20/2010 4:53:31 PM
nickel-ferret$25.00$25.004/20/2010 4:38:40 PM
loan-kung-fu$25.00$25.004/20/2010 4:39:13 PM
emt747$25.00$25.004/20/2010 5:02:53 PM
bowdish1$50.00$50.004/20/2010 4:33:27 PM
youthful-greenback3$35.00$35.004/20/2010 5:29:42 PM
JGB$25.00$25.004/20/2010 4:37:26 PM
mountains59$25.00$25.004/20/2010 5:33:44 PM
mattemmo$25.00$25.004/20/2010 5:33:35 PM
bid-refresher2$25.00$25.004/20/2010 5:33:55 PM
cberthiaume$25.00$25.004/20/2010 5:33:51 PM
jdrez$25.00$25.004/20/2010 5:34:00 PM
Havana21$100.00$100.004/20/2010 4:38:36 PM
shrewd-peace7$25.00$25.004/20/2010 5:34:03 PM
bill-expert$25.00$25.004/20/2010 5:34:12 PM
ddog0224$25.00$25.004/20/2010 5:34:13 PM
Syndication$25.00$25.004/20/2010 5:34:14 PM
CAGE-Investments$75.00$75.004/20/2010 5:34:20 PM
gain-seagull9$25.00$25.004/20/2010 5:34:18 PM
studious-bonus7$50.00$50.004/20/2010 5:34:22 PM
important-ore$50.00$50.004/20/2010 5:34:24 PM
intlargonaut$100.00$100.004/20/2010 5:34:38 PM
gatorjh$25.00$25.004/20/2010 5:34:52 PM
successful-agreement7$100.00$100.004/20/2010 5:34:56 PM
dpdn57$25.00$25.004/20/2010 5:34:59 PM
Millmanator$25.00$25.004/20/2010 5:36:41 PM
cptproton$25.00$25.004/20/2010 5:02:56 PM
the-money-gargantuan$25.00$25.004/20/2010 5:14:48 PM
lamarsam$25.00$25.004/20/2010 6:00:49 PM
uncleubb$25.00$25.004/20/2010 5:59:29 PM
Cheburashka$25.00$25.004/20/2010 6:01:24 PM
radforj22$25.00$25.004/20/2010 6:01:32 PM
contract-eagle$25.00$25.004/20/2010 6:01:39 PM
market-mover$25.00$25.004/20/2010 6:09:58 PM
inspired-agreement$25.00$25.004/20/2010 6:08:44 PM
monroemoney$25.00$25.004/20/2010 6:09:11 PM
Duanep01$25.00$25.004/20/2010 6:18:22 PM
a-finance-nirvana$25.00$25.004/20/2010 5:33:24 PM
jeb_31$25.00$25.004/20/2010 6:49:20 PM
unforgettable-moola1$30.00$30.004/20/2010 5:33:36 PM
systematic-trade$25.00$25.004/20/2010 5:33:43 PM
Randini$25.00$25.004/20/2010 5:33:50 PM
newest-inspiring-power$25.00$25.004/20/2010 5:33:57 PM
atrain2007$25.00$25.004/20/2010 5:34:41 PM
transparency-planetarium$25.00$25.004/20/2010 5:34:50 PM
emphatic-deal5$25.00$25.004/20/2010 5:35:03 PM
lgs83$25.00$25.004/20/2010 7:38:29 PM
direct-yield$25.00$25.004/21/2010 6:04:17 AM
350DGRZ$25.00$25.004/21/2010 8:09:06 AM
japerk$25.00$25.004/21/2010 8:12:48 AM
teller$25.00$25.004/20/2010 11:44:04 PM
SDNLR$25.00$25.004/21/2010 8:59:05 AM
calm-deal7$25.00$25.004/21/2010 9:07:52 AM
rock931$25.00$25.004/21/2010 9:07:45 AM
ctgscott$25.00$25.004/21/2010 9:33:19 AM
laudable-balance$25.00$25.004/21/2010 9:26:15 AM
fairness-champ7$25.00$25.004/21/2010 9:33:55 AM
MTlender$25.00$25.004/21/2010 8:25:24 AM
fun2invest$25.00$25.004/21/2010 10:18:46 AM
value-dna$30.00$30.004/21/2010 8:42:56 AM
reward-adventure$25.00$25.004/21/2010 10:20:44 AM
henmota$25.00$25.004/21/2010 10:41:18 AM
night0wl$25.00$25.004/21/2010 10:47:59 AM
whfh99$25.00$25.004/21/2010 10:48:14 AM
minddoc$25.00$25.004/21/2010 10:48:28 AM
HAVEANICEDAY$25.00$25.004/21/2010 11:05:37 AM
silver-philosopher$25.00$25.004/21/2010 11:14:16 AM
fopaul13$25.00$25.004/21/2010 11:25:30 AM
Katburg$25.95$25.954/21/2010 11:26:05 AM
Diver26$25.00$25.004/21/2010 12:04:02 PM
Aimvest$25.00$25.004/21/2010 11:49:16 AM
shingu79$32.04$32.044/21/2010 10:54:27 AM
boater01$50.00$50.004/21/2010 12:13:12 PM
narblark$25.00$25.004/21/2010 12:19:35 PM
CASHGIRL$25.76$25.764/21/2010 11:13:51 AM
blissful-note7$25.00$25.004/21/2010 11:14:18 AM
JFKPilot$25.00$25.004/21/2010 12:47:35 PM
Longtermcapitalmgmt$25.00$25.004/21/2010 12:53:31 PM
Picopie$25.60$25.604/21/2010 11:32:48 AM
time4aloan$45.00$45.004/21/2010 12:54:40 PM
Bobafet$25.00$25.004/21/2010 1:05:15 PM
affluence-tomahawk$25.00$25.004/21/2010 1:28:37 PM
celesteb$25.00$25.004/21/2010 1:12:48 PM
tallmon$25.00$25.004/21/2010 12:13:03 PM
sensible-community1$25.00$25.004/21/2010 1:19:31 PM
orange-preeminant-bill$65.44$65.444/21/2010 1:20:34 PM
BuffetRocks$33.44$33.444/21/2010 12:38:29 PM
ThisGuyIKnow$26.58$26.584/21/2010 3:58:01 PM
pujols8996$29.15$29.154/21/2010 1:05:21 PM
treasure-bliss$85.70$85.704/21/2010 1:13:40 PM
mmmm1982$25.00$25.004/21/2010 4:23:39 PM
the-profit-oracle$25.00$25.004/21/2010 1:14:10 PM
funds-shaker8$25.00$25.004/21/2010 1:18:48 PM
Gibbyland$45.60$45.604/21/2010 3:58:24 PM
comicdoc$25.00$25.004/21/2010 4:27:46 PM
bchen78875$25.00$25.004/22/2010 2:08:52 PM
don8ter$25.00$25.004/22/2010 5:36:07 PM
treasure-dreamer7$50.00$50.004/22/2010 4:43:19 PM
treasure-amplifier6$25.00$25.004/22/2010 8:33:02 PM
floret596$25.00$25.004/23/2010 9:37:41 AM
transparency-advocator$25.00$25.004/23/2010 9:37:53 AM
upbeat-principal$25.00$25.004/23/2010 8:28:09 AM
studious-camaraderi$25.00$25.004/23/2010 9:36:32 AM
Marathoner$25.00$25.004/23/2010 11:50:43 AM
RandyL3$99.00$99.004/23/2010 3:47:15 PM
GElender$50.00$50.004/23/2010 5:02:20 PM
powerful-finance7$25.00$25.004/24/2010 3:17:56 AM
wise-silver-wonder$25.00$25.004/24/2010 8:38:25 AM
Sven79$50.00$50.004/24/2010 9:53:11 AM
dschaaf$25.00$25.004/24/2010 2:28:14 PM
GeorgiaGator$50.00$50.004/25/2010 5:21:45 AM
sarisai$501.00$501.004/24/2010 7:57:51 PM
BigB22$25.00$25.004/25/2010 1:53:49 PM
marinade$35.01$35.014/25/2010 6:58:24 PM
NDFIRTH$50.00$50.004/26/2010 9:40:28 AM
DadWarbucks$25.00$25.004/26/2010 11:39:09 AM
Turkish101$25.00$25.004/26/2010 12:09:40 PM
engaging-worth$25.00$25.004/26/2010 12:09:59 PM
biobulator$25.00$25.004/26/2010 12:12:10 PM
seattleslug$25.00$25.004/26/2010 12:08:50 PM
metro457$25.00$25.004/26/2010 12:13:13 PM
lagnisiruk$25.00$12.054/26/2010 12:13:37 PM
BBL$25.00$25.004/26/2010 12:11:40 PM
loiosh$25.00$25.004/26/2010 12:09:39 PM
freetimeskier$50.00$50.004/26/2010 12:11:10 PM
resolute-return1$25.00$25.004/26/2010 3:48:14 PM
wwwUniversal$25.00$25.004/26/2010 12:29:49 PM
fair_rates$25.00$25.004/26/2010 4:24:55 PM
suburbanman64$40.00$40.004/26/2010 5:38:21 PM
booie$25.00$25.004/27/2010 7:32:50 AM
CashBank$25.00$25.004/27/2010 8:37:49 AM
308 bids
 
Borrower Payment Dependent Notes Series 455189
This series of Notes was issued and sold upon the funding of the borrower loan #42199, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $102.57
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $101.06
 
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: Apr-1988 Debt/Income ratio: 16%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:4y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,441Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: flexible-loyalty550 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off some debt
Purpose of loan:
This loan will be used to get rid of some debt and restore my credit. My credit card interest rates are too high and I need some relief. In addition, I have just started to go back to school and would like to apply some money toward tuition. My employer does not reimburse my education. Reason i got behind was because my son was laid off and i had to pay his rent and bills for the past 6 months. he is working now but needs time to pay me back.? Your kind consideration is appreciated.

My financial situation:
I am a good candidate for this loan because I have a good job and my company is growing. I can free up $300 / month in debt by getting this loan and restoring some credit. I just paid off my trailer and have no mortgage, just space rent, so I'm not going anywhere. Trust, I can easily repay this loan back given the right time and interest rate. My son will be helping in any way he can.

Monthly net income: $ 2,700

Monthly expenses: $ 2,100
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $400
??Utilities: $ 40
??Phone, cable, internet: $150
??Food, entertainment: $ 250
??Clothing, household expenses $50
??Credit cards and other loans: $ 200
??Other expenses: $ 75
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ambmba$25.00$25.004/20/2010 4:18:19 PM
larrkon$25.00$25.004/20/2010 4:18:20 PM
building-america$25.00$25.004/20/2010 4:19:55 PM
oreyedoc$25.00$25.004/20/2010 4:20:04 PM
sharpchicago$25.00$25.004/20/2010 4:20:47 PM
hope-legend4$25.00$25.004/20/2010 4:18:34 PM
LuvToLend$25.00$25.004/20/2010 4:21:19 PM
social-conductor4$25.00$25.004/20/2010 4:21:39 PM
orange-value-exec$25.00$25.004/20/2010 4:19:38 PM
shrewd-peace7$30.00$30.004/20/2010 4:22:29 PM
atothez$43.87$43.874/20/2010 4:20:54 PM
IIP77$25.00$25.004/20/2010 4:21:11 PM
wifibank$25.00$25.004/20/2010 4:23:22 PM
nourishing-interest0$25.00$25.004/20/2010 4:21:28 PM
successful-euro$30.00$30.004/20/2010 4:23:39 PM
joee$25.00$25.004/20/2010 4:23:49 PM
revenue-ruler6$25.00$25.004/20/2010 4:21:49 PM
benefit-squirrel$25.00$1.134/20/2010 4:23:55 PM
towering-compassion$50.00$50.004/20/2010 4:21:57 PM
mg6619$25.00$25.004/20/2010 4:22:21 PM
deal-secret-agent$25.00$25.004/20/2010 4:22:35 PM
dspmn$26.00$26.004/20/2010 4:22:47 PM
steely_dan34$25.00$25.004/20/2010 4:23:10 PM
Shepherd7$30.00$30.004/20/2010 4:23:20 PM
AF-Chief$28.00$28.004/20/2010 4:23:33 PM
roi-conductor$25.00$25.004/20/2010 4:18:24 PM
Gixxer600$25.00$25.004/20/2010 4:19:15 PM
treasure-generator$25.00$25.004/20/2010 4:19:34 PM
irrelevant$25.00$25.004/20/2010 4:31:46 PM
rock-turner$100.00$100.004/20/2010 4:21:54 PM
papaloha$50.00$50.004/20/2010 4:22:22 PM
MylesNH$25.00$25.004/20/2010 4:22:34 PM
eronyc$25.00$25.004/20/2010 4:22:49 PM
shiny-dollar9$25.00$25.004/20/2010 4:23:21 PM
dollardave$100.00$100.004/20/2010 10:33:56 PM
Sackmaster$25.00$25.004/22/2010 11:28:09 PM
farblest$50.00$50.004/24/2010 9:21:17 AM
Your_Bank$25.00$25.004/25/2010 2:19:37 PM
Tolipwen$25.00$25.004/26/2010 6:21:07 PM
dudebrah$25.00$25.004/27/2010 11:18:31 AM
ultimate-peace$100.00$100.004/27/2010 1:57:15 PM
deal-hickory5$25.00$25.004/20/2010 4:20:53 PM
jitterbugqueen$50.00$50.004/20/2010 4:21:06 PM
asiaratt$100.00$100.004/20/2010 4:21:22 PM
jimmykat$25.00$25.004/20/2010 4:22:23 PM
GreenNotes$36.00$36.004/20/2010 4:20:48 PM
TennSquire$25.00$25.004/20/2010 4:22:42 PM
SPB$25.00$25.004/20/2010 4:22:46 PM
srgriff$25.00$25.004/20/2010 4:23:08 PM
KandKLegacyInvestments$25.00$25.004/20/2010 4:21:04 PM
tshurts$25.00$25.004/20/2010 4:23:18 PM
currency-oak$25.00$25.004/20/2010 4:23:23 PM
nalaari$25.00$25.004/20/2010 4:21:32 PM
investment-tempo$25.00$25.004/20/2010 4:21:57 PM
traveler50$25.00$25.004/20/2010 4:22:04 PM
lovelongandprosper$50.00$50.004/20/2010 4:22:40 PM
POLRBEAR$25.00$25.004/20/2010 4:22:44 PM
burrito6$25.00$25.004/20/2010 4:23:26 PM
Kaj$25.00$25.004/20/2010 4:23:30 PM
finance-prescription$50.00$50.004/20/2010 4:28:12 PM
melodious-fairness$25.00$25.004/20/2010 4:19:40 PM
GracieLuLu04$25.00$25.004/20/2010 4:20:06 PM
Sanford-N-Sons$25.00$25.004/20/2010 4:20:51 PM
Purposeful$50.00$50.004/20/2010 4:21:20 PM
mickeyroi$25.00$25.004/20/2010 4:22:19 PM
value-microscope$25.00$25.004/20/2010 4:22:26 PM
gulch$25.00$25.004/20/2010 4:23:18 PM
frogperson$100.00$100.004/21/2010 8:45:40 AM
Bob450$60.00$60.004/22/2010 8:45:04 PM
Loan_shark718$25.00$25.004/24/2010 6:57:55 AM
Wachocia$25.00$25.004/26/2010 9:02:59 PM
umfan123$25.00$25.004/27/2010 7:05:55 AM
dRatedOnly$25.00$25.004/26/2010 6:23:11 PM
patriot384$40.00$40.004/26/2010 9:20:17 PM
YoungTaxMan$25.00$25.004/27/2010 4:00:40 PM
75 bids
 
Borrower Payment Dependent Notes Series 455227
This series of Notes was issued and sold upon the funding of the borrower loan #42202, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0% Auction start date:  Apr-23-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $45.24
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1986 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 4 / 4Length of status:1y 0m
Credit score: 600-619 (Apr-2010) Total credit lines: 48 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $1,423Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 42    
Screen name: queenbe2 Borrower's state: Florida Borrower's group: Clean Slate
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: 33 ( 92% ) 600-619 (Latest)
Principal borrowed: $1,000.00< mo. late: 2 ( 6% )  
580-599 (Dec-2007)
600-619 (Jul-2006)
600-619 (Jun-2006)
 
Principal balance: $0.00 1+ mo. late: 1 ( 3% )
Total payments billed: 36  
Description
credit card pay off
First of all, Thank you for accpting me in your group! I had moved to Florida from up north 6 years ago, and ran into some financial hardships along the way. I work at a well known financial company, and rebuilding my credit is very important to me.I took a decrease in pay to move here, the pay down south is not like it was up north. My parents were relocating to Florida, so I decided to take the plunge and move as well! My husband has had a hard time adjusting to the pay scale down here as well. I am currently saving to buy a house, and as soon as my credit score gets a little higher, and I have some money in the bank, hopefully I will be able to buy a home.I feel I am a good candidate for this loan because of a few reasons: First, I am in the business, I know how it works, everything is driven off your credit score, and even rebuilding your credit takes some time. I have already started to rebuild my credit as you can see in my credit report.I read an article about Prosper in my local newspaper and I thought, Wow, what a great concept! So, here I am please consider me for this 1000.00 and help me rebuild my credit. Thank you very much for this opportunity.Thank you Queenb2
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 previous loan for $1k funded at 16.25% and your reasons were the same as now, why would you want to automatically fund this loan at 34%? - jpblan11
A: Your right good question! That was a mistake.... Oops no of course I would like to fund at the lowest rate... 16.25 would be great , if I can get that.Sorry about the confusion. I was confused. Thank you again. (Apr-24-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
frugalinvestor20$25.00$25.004/23/2010 4:16:24 PM
EEasyMoney$25.00$25.004/26/2010 8:12:35 AM
innovator2$50.26$50.264/26/2010 10:28:47 AM
victor111$25.00$25.004/26/2010 10:25:38 AM
lucrative-loan$200.00$200.004/26/2010 10:48:29 AM
retire$40.00$40.004/26/2010 11:20:05 AM
SNH$50.00$50.004/26/2010 11:39:47 AM
Kash2010lu$25.00$25.004/26/2010 6:16:05 PM
aquistoyraul$41.37$35.094/26/2010 8:09:08 PM
eccles$25.00$25.004/27/2010 5:16:46 PM
return-grizzly$100.00$100.004/27/2010 5:59:14 PM
jhouman$25.00$25.004/23/2010 5:02:54 PM
aztocas$50.00$50.004/24/2010 12:10:02 AM
chameleon125$50.00$50.004/26/2010 8:11:44 AM
UCLA4life$25.00$25.004/26/2010 11:18:23 AM
bobd32$25.00$25.004/26/2010 11:31:39 AM
aquistoyraul$25.00$25.004/26/2010 4:23:35 PM
zeeexsixare$25.00$25.004/26/2010 4:04:32 PM
Angleofcare$49.65$49.654/26/2010 7:49:50 PM
SolarMoonshine$25.00$25.004/27/2010 5:28:15 PM
reflective-rupee$100.00$100.004/27/2010 9:00:51 PM
21 bids
 
Borrower Payment Dependent Notes Series 455379
This series of Notes was issued and sold upon the funding of the borrower loan #42205, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Apr-23-2010 
  Auction end date:  Apr-28-2010 
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $301.86
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $286.72
 
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-1973 Debt/Income ratio: 75%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:3y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 32 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $18,999Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: irishmurph55 Borrower's state: WestVirginia 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: 22 ( 96% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 1 ( 4% )  
680-699 (Jul-2009)
700-719 (May-2008)
640-659 (Jan-2008)
 
Principal balance: $1,455.85 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Paying off CC, loans
Purpose of loan:
This loan will be used to? Pay of CC's, a car loan

My financial situation:
I am a good candidate for this loan because? I have been late on payments only 1 time with Prosper. But I do pay my bills off.
I work a full time job and have gone back to school to get an Associates degree in the medical field and I would like to consolidate bills to 1 payment.
Monthly net income: $1600

Monthly expenses: $?
??Housing: $0
??Insurance: $ 140
??Car expenses: $80
??Utilities: $ 140
??Phone, cable, internet: $ 100
??Food, entertainment: $350
??Clothing, household expenses $100
??Credit cards and other loans: $ 600
??Other expenses: $0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
enlightenment5$25.00$25.004/23/2010 4:03:34 PM
WillyBobba$25.00$25.004/23/2010 4:03:46 PM
Purposeful$25.00$25.004/23/2010 4:06:28 PM
oreyedoc$50.00$50.004/23/2010 4:07:10 PM
UT-Longhorn$25.00$25.004/23/2010 4:03:41 PM
money-explorer3$25.00$25.004/23/2010 4:03:50 PM
CASHGIRL$25.00$25.004/23/2010 4:03:55 PM
rvfbroker$25.00$25.004/23/2010 4:14:56 PM
FeedTheMachine$40.72$40.724/23/2010 4:17:54 PM
finance-prescription$50.00$50.004/23/2010 4:16:29 PM
HHP$25.00$25.004/23/2010 4:18:26 PM
gs92126$25.00$25.004/23/2010 4:19:04 PM
Mantis75$25.00$25.004/23/2010 4:19:22 PM
Kaj$25.00$25.004/23/2010 4:18:10 PM
social-conductor4$25.00$25.004/23/2010 4:10:05 PM
famous-bill$50.00$50.004/23/2010 4:20:57 PM
gelidfrank$25.00$25.004/23/2010 4:19:15 PM
shrewd-peace7$50.00$50.004/23/2010 4:10:11 PM
return-eclipse0$25.00$25.004/23/2010 4:21:05 PM
actvtrdr$35.00$35.004/23/2010 4:21:49 PM
interest-griffin$25.00$25.004/23/2010 4:20:30 PM
reward-adventure$30.00$30.004/23/2010 4:21:09 PM
xyzlmno$25.00$25.004/23/2010 4:21:14 PM
Sateesh$100.00$100.004/23/2010 4:23:00 PM
trustu$25.00$25.004/23/2010 4:24:01 PM
desertoasis$25.00$25.004/23/2010 4:22:04 PM
inspiring-reward$31.99$31.994/23/2010 4:24:32 PM
coin-equalizer2$25.00$25.004/23/2010 4:24:58 PM
MARWARISETH$25.00$25.004/23/2010 4:25:16 PM
greenback-visionary4$25.00$25.004/23/2010 4:24:52 PM
fortytwo$50.00$50.004/23/2010 4:26:19 PM
deegeeman$50.00$50.004/23/2010 4:24:55 PM
Banker7371$25.00$25.004/23/2010 4:26:41 PM
cablenews$25.00$25.004/23/2010 4:26:52 PM
personal-lender$25.00$25.004/23/2010 4:27:00 PM
Zolton$200.00$200.004/23/2010 4:27:08 PM
Midwestvalues$100.00$100.004/23/2010 4:27:14 PM
Rattlehead$25.00$25.004/23/2010 4:27:45 PM
unforgettable-order9$25.00$25.004/23/2010 4:27:56 PM
JGB$25.00$25.004/23/2010 4:25:52 PM
irrelevant$25.00$25.004/23/2010 4:28:23 PM
lagnisiruk$25.00$25.004/23/2010 4:26:09 PM
investment-forte$25.00$25.004/23/2010 4:28:46 PM
newest-inspiring-power$25.00$25.004/23/2010 4:26:36 PM
oneforthemoney$25.00$25.004/23/2010 4:17:40 PM
helping-out$30.00$30.004/23/2010 4:17:44 PM
successful-euro$100.00$100.004/23/2010 4:29:11 PM
capital-web193$25.00$25.004/23/2010 4:48:55 PM
Comoparklender$25.00$25.004/23/2010 4:30:06 PM
janicewill$25.00$25.004/23/2010 4:49:45 PM
ASR3$25.00$25.004/23/2010 4:18:52 PM
LeadFoot$25.00$25.004/23/2010 4:50:14 PM
Ducatiman1978$25.00$25.004/23/2010 4:52:15 PM
b-rent$25.00$25.004/23/2010 4:49:50 PM
gmanrex$50.00$50.004/23/2010 4:22:13 PM
neutrino6$25.00$25.004/23/2010 4:50:32 PM
GiantAardvark$25.00$25.004/23/2010 4:22:37 PM
zeelender$25.00$25.004/23/2010 4:53:37 PM
deal-hickory5$25.00$25.004/23/2010 4:22:44 PM
CarDealer3070$30.00$30.004/23/2010 4:23:18 PM
gizzywump$25.00$25.004/23/2010 4:23:23 PM
red_spade$26.00$26.004/23/2010 4:23:45 PM
visionary-currency$50.00$50.004/23/2010 4:24:49 PM
chicagoman$25.00$25.004/23/2010 4:25:06 PM
Artist_Blue$25.00$25.004/23/2010 4:56:14 PM
kindness-percolator5$25.00$25.004/23/2010 4:26:28 PM
lloyd_s$25.00$25.004/23/2010 4:57:03 PM
ukstevenhawaii$50.00$50.004/23/2010 4:27:18 PM
rhin0cerx$50.00$50.004/23/2010 4:27:27 PM
wise-silver-wonder$25.00$25.004/23/2010 4:54:30 PM
SDNLR$25.00$25.004/23/2010 4:56:15 PM
flwah$25.00$25.004/23/2010 4:56:59 PM
influential-compassion9$50.00$50.004/23/2010 4:57:07 PM
IIP77$25.00$25.004/23/2010 4:58:14 PM
orange-preeminant-bill$100.00$100.004/23/2010 4:53:04 PM
Sixmil$25.00$25.004/23/2010 4:53:12 PM
jonn834$25.00$25.004/23/2010 4:53:33 PM
Speculator$97.78$97.784/23/2010 5:15:42 PM
teller$25.00$25.004/23/2010 4:56:21 PM
treasure-bliss$100.00$100.004/23/2010 4:56:24 PM
astute-dollar$50.00$50.004/23/2010 5:03:47 PM
elegant-bonus$25.00$25.004/23/2010 4:56:44 PM
micko$25.00$25.004/23/2010 4:56:57 PM
LuvToLend$25.00$25.004/23/2010 4:57:08 PM
TpbiCapitals$39.91$39.914/23/2010 5:47:57 PM
adama_48$25.00$25.004/23/2010 5:14:23 PM
mtquan$25.00$25.004/23/2010 5:44:10 PM
autonomous-truth$25.00$25.004/23/2010 6:04:23 PM
mbwillma$25.00$25.004/23/2010 5:03:45 PM
Share_The_Wealth$29.91$29.914/23/2010 10:53:52 PM
etraboulay$25.00$25.004/23/2010 5:04:36 PM
Helenska11$25.00$25.004/23/2010 5:04:57 PM
Gibbyland$50.00$50.004/23/2010 7:38:45 PM
decisive-capital$59.50$59.504/23/2010 5:30:14 PM
intrepid-transaction5$25.00$25.004/23/2010 5:47:54 PM
assetmanager$25.00$25.004/24/2010 7:07:42 AM
moola-man$25.00$25.004/23/2010 6:03:49 PM
authoritative-capital$25.00$25.004/23/2010 6:04:50 PM
Rogesparkguy$25.00$25.004/23/2010 6:07:43 PM
rescue$37.17$37.174/24/2010 12:47:48 AM
shrewd-deal$25.00$25.004/24/2010 7:58:59 AM
Petite_Rose$25.00$25.004/23/2010 6:44:12 PM
workinghardoregon$25.00$25.004/24/2010 3:22:48 AM
twjh$25.00$25.004/23/2010 7:52:56 PM
icecoldcash$25.00$25.004/23/2010 8:43:17 PM
MTlender$25.00$25.004/24/2010 6:49:39 AM
important-ore$50.00$18.874/24/2010 9:22:37 AM
trail8631$25.00$25.004/24/2010 3:34:47 PM
LenderExtraordinaire$25.00$25.004/25/2010 10:19:26 AM
treasure-amplifier6$25.00$25.004/23/2010 4:03:36 PM
ZTA0796$25.00$25.004/23/2010 4:03:53 PM
AF-Chief$28.00$28.004/23/2010 4:07:04 PM
ayerobbie$25.00$25.004/23/2010 4:09:54 PM
brother_tam$50.00$50.004/23/2010 4:15:08 PM
lowrate$25.00$25.004/23/2010 4:14:38 PM
Zipline$25.00$25.004/23/2010 4:04:02 PM
jleng$25.00$25.004/23/2010 4:04:47 PM
thorough-exchange4$25.00$25.004/23/2010 4:17:14 PM
copper$30.00$30.004/23/2010 4:21:02 PM
gain-bridge$25.00$25.004/23/2010 4:21:23 PM
jrbill1998$50.00$50.004/23/2010 4:21:31 PM
BBL$25.00$25.004/23/2010 4:21:35 PM
ssh1983$25.00$25.004/23/2010 4:21:45 PM
gjh37$25.00$25.004/23/2010 4:21:55 PM
aasx1108$25.00$25.004/23/2010 4:22:17 PM
asset-professor$35.00$35.004/23/2010 4:22:23 PM
life-is-great$25.00$25.004/23/2010 4:21:18 PM
orderly-leverage$30.00$30.004/23/2010 4:21:39 PM
nrowland$25.00$25.004/23/2010 4:24:12 PM
israel15$25.00$25.004/23/2010 4:22:33 PM
topher515$25.00$25.004/23/2010 4:23:04 PM
skuba$25.00$25.004/23/2010 4:24:44 PM
BlindJoeDeath$25.00$25.004/23/2010 4:24:47 PM
first-upright-payout$25.00$25.004/23/2010 4:23:50 PM
harmonious-revenue7$25.00$25.004/23/2010 4:23:55 PM
bowdish1$50.00$50.004/23/2010 4:14:13 PM
contract-giant$25.00$25.004/23/2010 4:25:18 PM
stock106$30.00$30.004/23/2010 4:24:08 PM
honorable-yield$35.00$35.004/23/2010 4:24:26 PM
supreme-hope$25.00$25.004/23/2010 4:26:23 PM
hope-equation$50.00$50.004/23/2010 4:25:03 PM
cpodakine$25.00$25.004/23/2010 4:25:11 PM
frogperson$25.00$25.004/23/2010 4:15:15 PM
Lam0nt$25.00$25.004/23/2010 4:25:26 PM
bassman2$25.00$25.004/23/2010 4:25:29 PM
thedreamer$25.00$25.004/23/2010 4:25:36 PM
Streetfighter$50.00$50.004/23/2010 4:27:55 PM
global_microfinance$25.00$25.004/23/2010 4:26:00 PM
Zingaro$25.00$25.004/23/2010 4:26:03 PM
lukeskywalkerkp$25.00$25.004/23/2010 4:28:28 PM
Sackmaster$25.00$25.004/23/2010 4:28:52 PM
magnolia161$25.00$25.004/23/2010 4:27:51 PM
integrity-doctor$100.00$100.004/23/2010 4:27:59 PM
ArmyGuy$25.00$25.004/23/2010 4:49:20 PM
divedude$25.00$25.004/23/2010 4:49:28 PM
direct-yield$25.00$25.004/23/2010 4:49:53 PM
coloradoloanman$25.00$25.004/23/2010 4:50:33 PM
Marathoner$25.00$25.004/23/2010 4:30:50 PM
circuitfive$25.00$25.004/23/2010 4:20:51 PM
james41$25.00$25.004/23/2010 4:31:17 PM
PRGuyinVA$25.00$25.004/23/2010 4:21:27 PM
Supernick$25.00$25.004/23/2010 4:21:59 PM
slartibardfast$25.00$25.004/23/2010 4:49:31 PM
salala$25.00$25.004/23/2010 4:53:15 PM
debt-system880$25.00$25.004/23/2010 4:22:09 PM
lendme2$25.00$25.004/23/2010 4:50:35 PM
heavenly-repayment4$25.00$25.004/23/2010 4:54:25 PM
asmithj$50.00$50.004/23/2010 4:22:56 PM
secobarbital$25.00$25.004/23/2010 4:23:35 PM
natecam$25.00$25.004/23/2010 4:24:16 PM
Ragnar$25.00$25.004/23/2010 4:24:22 PM
momoney2lend$25.00$25.004/23/2010 4:24:34 PM
hopethisworks$25.00$25.004/23/2010 4:52:17 PM
Cre8iveCash$25.00$25.004/23/2010 4:52:19 PM
KiwiElf$25.00$25.004/23/2010 4:52:22 PM
burrito6$25.00$25.004/23/2010 4:25:22 PM
Phantom99$25.00$25.004/23/2010 4:56:11 PM
yield-lion$25.00$25.004/23/2010 4:53:08 PM
jonbozeman$25.00$25.004/23/2010 4:25:56 PM
Cai8899$30.00$30.004/23/2010 4:56:25 PM
unforgettable-fund2$25.00$25.004/23/2010 4:26:46 PM
greenwell$25.00$25.004/23/2010 4:27:36 PM
red-favorable-basis$25.00$25.004/23/2010 4:27:40 PM
29Palms$25.00$25.004/23/2010 4:28:16 PM
Sibelius2$25.00$25.004/23/2010 4:49:51 PM
time4aloan$28.28$28.284/23/2010 4:53:06 PM
lending_pugs$25.00$25.004/23/2010 5:03:46 PM
contract-eagle$25.00$25.004/23/2010 4:56:22 PM
metro457$40.00$40.004/23/2010 5:03:44 PM
DadWarbucks$25.00$25.004/23/2010 4:56:35 PM
purdue98$25.00$25.004/23/2010 5:23:51 PM
KramericaIndustries$25.00$25.004/23/2010 5:23:27 PM
market-pudding$25.00$25.004/23/2010 7:39:05 PM
useful-p2ploan$41.20$41.204/23/2010 9:23:37 PM
blue_skies_ahead$25.00$25.004/23/2010 5:03:48 PM
gain-boomerang5$25.00$25.004/23/2010 7:52:42 PM
compassion-bauble4$25.00$25.004/23/2010 5:47:56 PM
floridass$25.00$25.004/23/2010 6:04:43 PM
BJCIII$25.00$25.004/24/2010 8:47:57 AM
transparency-burger$75.00$75.004/23/2010 7:52:44 PM
FjLenders$25.00$25.004/24/2010 6:04:17 AM
WindyKid$25.00$25.004/24/2010 7:27:43 AM
Tikibarman$25.00$25.004/24/2010 7:04:21 AM
upright-revenue7$25.00$25.004/24/2010 8:38:31 AM
payment-gusto$25.00$25.004/24/2010 8:57:53 AM
loyalist1$40.67$40.674/25/2010 10:19:10 AM
interstellar$50.00$50.004/26/2010 4:29:29 PM
enthusiastic-balance5$100.00$100.004/26/2010 3:20:22 PM
Bob450$50.00$50.004/26/2010 8:38:44 PM
Skeptical-one$25.00$25.004/27/2010 8:23:59 AM
loss-of-control$50.00$50.004/27/2010 6:48:24 PM
frogperson$150.00$150.004/27/2010 9:29:08 PM
212 bids
 
Borrower Payment Dependent Notes Series 455637
This series of Notes was issued and sold upon the funding of the borrower loan #42008, 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:  Apr-27-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.87% Starting monthly payment: $37.71
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 23.68% Final monthly payment: $37.11
 
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: Aug-1986 Debt/Income ratio: 46%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 19 / 15Length of status:2y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 46 Occupation: Nurse (RN)
Now delinquent: 1 Revolving credit balance: $8,135Stated income:$50,000-$74,999
Amount delinquent: $397 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: legendlime Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
620-639 (May-2008)
 
Principal balance: $1,124.47 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Senior Class trip for my Son
Purpose of loan:
?To send our son on his Senior class trip to New York City!?? He is a good student and has worked part time since age 15.. 18 now, and off to College after May graduation.
My financial situation:
I am a good candidate for this loan because? We have debt, but always pay bills, and have ethical standards regarding credit.
I have been an R.N. Since 1980, and currently am working again for the same employer that I did from 1987- 2003.
I have been Married for?20 yrs, and our MONTHLY NET INCOME IS : 7000-8000.

Monthly expenses: $
??Housing: $ 1933.00
??Insurance: $?325
??Car expenses: $?900
??Utilities: $?500
??Phone, cable, internet: $ 200
??Food, entertainment: $?900
??Clothing, household expenses $ 50
??Credit cards and other loans: $?800
??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)
KandKLegacyInvestments$25.00$25.004/27/2010 9:24:07 AM
hrubinst$25.00$25.004/27/2010 9:56:49 AM
JGB$25.00$25.004/27/2010 10:00:52 AM
interest-jedi0$50.00$50.004/27/2010 10:01:20 AM
orderly-leverage$40.00$40.004/27/2010 10:00:09 AM
mmckune$25.00$25.004/27/2010 9:58:57 AM
Aberdeen$400.00$400.004/27/2010 10:35:49 AM
loyalist1$100.00$100.004/27/2010 9:38:07 AM
delicious-social132$25.00$25.004/27/2010 9:58:30 AM
unassassinable$25.00$25.004/27/2010 9:59:48 AM
integrity-doctor$100.00$85.004/27/2010 10:01:48 AM
torion$25.00$25.004/27/2010 9:57:42 AM
Avala$50.00$50.004/27/2010 9:58:08 AM
dinero-speaker$25.00$25.004/27/2010 9:58:52 AM
Easystreet$25.00$25.004/27/2010 10:24:43 AM
twjh$25.00$25.004/27/2010 10:35:55 AM
bondhedger$25.00$25.004/27/2010 10:48:24 AM
17 bids
 
Borrower Payment Dependent Notes Series 421904
This series of Notes was issued and sold upon the funding of the borrower loan #42184, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $275.25
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 22.14% Final monthly payment: $270.92
 
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: May-1999 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 15Length of status:12y 2m
Credit score: 680-699 (Apr-2010) Total credit lines: 33 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $36,590Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: needmoto Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,500.00< mo. late: 0 ( 0% )  
660-679 (Aug-2009)
640-659 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Purchase RV
Purpose of loan:
I'd like to purchase an RV.

My financial situation:
I am a good candidate for this loan because I have the income to repay the loan and I'm very diligent about paying my obligations on time.? I have never been late on any debt obligations including?my previous prosper loan which I recently paid off.

Monthly gross income: $ 9833
Monthly Expenses:
? Housing: $?1500
??Insurance: $?200
??Car expenses: $?800?????
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $?200
??Credit cards and other loans: $?1200
??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)
Slend49$25.00$25.004/20/2010 4:09:43 PM
Binan$25.00$25.004/20/2010 4:09:49 PM
balance2$50.00$50.004/20/2010 4:10:18 PM
return-eclipse0$25.00$25.004/20/2010 4:09:51 PM
CAGE-Investments$75.00$75.004/20/2010 4:09:59 PM
MihirFromRedmond$25.00$25.004/20/2010 4:10:23 PM
finance-prescription$100.00$100.004/20/2010 4:11:43 PM
loan-kung-fu$25.00$25.004/20/2010 4:11:19 PM
torion$25.00$25.004/20/2010 4:32:17 PM
bowdish1$50.00$50.004/20/2010 4:33:32 PM
delicious-social132$25.00$25.004/20/2010 4:32:29 PM
mmckune$25.00$25.004/20/2010 4:32:58 PM
unassassinable$25.00$25.004/20/2010 4:33:21 PM
integrity-doctor$100.00$100.004/20/2010 4:38:05 PM
hrubinst$25.00$25.004/20/2010 4:32:00 PM
dinero-speaker$25.00$25.004/20/2010 4:32:39 PM
bonus-adventure3$25.00$25.004/20/2010 4:35:17 PM
JGB$25.00$25.004/20/2010 4:37:30 PM
the-profit-oracle$25.00$25.004/20/2010 5:02:58 PM
thedreamer$25.00$25.004/20/2010 5:35:10 PM
calilending$25.00$25.004/21/2010 12:14:17 AM
MTlender$25.00$25.004/21/2010 8:25:27 AM
a-studious-payment$25.00$25.004/21/2010 9:34:13 AM
japerk$25.00$25.004/21/2010 8:12:55 AM
money-boots2$25.00$25.004/21/2010 9:34:32 AM
mpatrick$25.00$25.004/21/2010 11:43:10 AM
kindness-percolator5$25.00$25.004/21/2010 4:11:06 PM
contract-giant$25.00$25.004/22/2010 9:34:39 AM
Gabriel02$25.00$25.004/22/2010 11:04:50 AM
decisive-capital$75.00$75.004/22/2010 12:23:55 PM
mpactlender$25.00$25.004/22/2010 12:25:37 PM
capital-web193$25.00$25.004/22/2010 4:54:38 PM
Artist_Blue$25.00$25.004/22/2010 4:52:56 PM
SweatyBalls$50.00$50.004/22/2010 7:13:08 PM
Imaginos1892$75.00$75.004/22/2010 6:14:10 PM
GElender$37.22$37.224/22/2010 5:53:26 PM
ichibon$75.00$75.004/23/2010 3:23:19 AM
upbeat-principal$25.00$25.004/23/2010 8:28:15 AM
Comoparklender$30.00$30.004/23/2010 8:44:06 AM
neutrino6$25.00$25.004/23/2010 8:21:11 AM
studious-camaraderi$25.00$25.004/23/2010 9:36:36 AM
transparency-advocator$25.00$25.004/23/2010 9:37:58 AM
sgt-schultz$50.00$50.004/23/2010 11:43:09 AM
irrelevant$25.00$25.004/23/2010 11:27:22 AM
wings2fly$25.00$25.004/23/2010 5:02:43 PM
loss-of-control$50.00$50.004/23/2010 5:46:55 PM
engaging-worth$25.00$25.004/23/2010 5:03:22 PM
Aberdeen$400.00$400.004/23/2010 5:05:41 PM
radforj22$25.00$25.004/23/2010 7:12:49 PM
Easystreet$25.00$25.004/24/2010 3:48:15 AM
junctionking$25.00$25.004/24/2010 1:54:19 PM
metro457$25.00$25.004/24/2010 5:10:09 PM
loiosh$25.00$25.004/24/2010 5:10:48 PM
dschaaf$25.00$25.004/24/2010 2:28:18 PM
coin-investor$25.00$25.004/25/2010 8:58:29 AM
brazilofmux$80.14$80.144/24/2010 5:10:43 PM
Turkish101$25.00$25.004/24/2010 5:10:49 PM
vanderhp$25.00$25.004/25/2010 6:14:02 AM
Your_Bank$50.00$50.004/25/2010 11:03:44 AM
clemclan$25.00$25.004/25/2010 2:28:24 PM
lagnisiruk$25.00$25.004/26/2010 6:49:10 AM
cingular$25.00$25.004/25/2010 5:59:59 PM
honorable-yield$50.00$50.004/26/2010 9:49:36 AM
biobulator$25.00$25.004/26/2010 7:42:50 AM
Sixmil$25.00$25.004/26/2010 10:28:35 AM
mrfrog$25.00$25.004/26/2010 12:00:41 PM
lostontheedge$25.00$25.004/26/2010 11:39:27 AM
hanuman77$25.53$2.404/26/2010 12:02:22 PM
KiwiElf$25.00$25.004/26/2010 10:27:45 AM
icon7$25.00$25.004/26/2010 2:33:16 PM
gothampark$25.00$25.004/26/2010 3:56:46 PM
reliable-silver7$25.00$25.004/26/2010 4:37:02 PM
MoneyTree79$34.86$34.864/26/2010 6:37:16 PM
p2ploan-sensation211$25.00$25.004/26/2010 7:25:48 PM
clemclan$25.00$25.004/26/2010 6:49:50 PM
1-HARD-HEAD$100.00$100.004/26/2010 7:10:31 PM
jhouman$25.00$25.004/26/2010 4:30:12 PM
jybank$25.00$25.004/27/2010 12:03:06 AM
the-serene-transaction$25.00$25.004/26/2010 5:08:06 PM
Cambium$50.00$50.004/27/2010 4:09:51 AM
Sol_Invictus$25.00$25.004/27/2010 5:36:34 AM
rate-hickory$25.00$25.004/27/2010 8:56:49 AM
aloantime07$25.00$25.004/27/2010 7:31:01 AM
LoanerPrincipal$50.00$50.004/26/2010 10:02:38 PM
dano1965$25.00$25.004/27/2010 5:56:19 AM
wonder3$25.00$25.004/27/2010 6:11:52 AM
nalaari$26.24$26.244/27/2010 6:34:25 AM
mlj0671$26.00$26.004/27/2010 7:02:51 AM
Credit2Prosper$100.00$100.004/27/2010 7:16:03 AM
Bekim$25.49$25.494/27/2010 7:29:26 AM
1-HARD-HEAD$100.00$100.004/27/2010 9:42:39 AM
persistent-bazaar$25.00$25.004/27/2010 10:25:52 AM
investment-cluster$25.00$25.004/27/2010 12:36:40 PM
five-star-note$66.41$66.414/27/2010 3:42:09 PM
Leshan$52.38$52.384/27/2010 11:59:59 AM
healingangel22$25.00$25.004/27/2010 12:22:14 PM
patriot384$200.00$200.004/27/2010 3:48:56 PM
brightest-dignified-penny$25.00$25.004/27/2010 3:54:08 PM
authoritative-capital$25.00$25.004/20/2010 4:09:54 PM
important-ore$50.00$50.004/20/2010 4:10:17 PM
supersarah61$25.00$25.004/20/2010 4:09:46 PM
gain-seagull9$25.00$25.004/20/2010 4:09:56 PM
studious-bonus7$50.00$50.004/20/2010 4:10:07 PM
AF-Chief$27.00$27.004/20/2010 4:24:24 PM
contract-eagle$25.00$25.004/20/2010 4:10:15 PM
Interstate_Rate$25.00$25.004/20/2010 4:10:30 PM
Ripsaw4U$25.00$25.004/20/2010 4:10:52 PM
KandKLegacyInvestments$25.00$25.004/20/2010 4:19:03 PM
Avala$50.00$50.004/20/2010 4:32:24 PM
frogperson$75.00$75.004/20/2010 4:35:05 PM
income-fortress$25.00$25.004/20/2010 4:38:42 PM
market-pudding$25.00$25.004/20/2010 4:37:20 PM
balanced-bill7$100.00$100.004/20/2010 4:38:11 PM
JustMee$25.00$25.004/20/2010 5:08:27 PM
a-consummate-camaraderi$50.00$50.004/20/2010 4:34:30 PM
orderly-leverage$40.00$40.004/20/2010 4:34:49 PM
interest-jedi0$50.00$50.004/20/2010 4:37:41 PM
yield-seeker$25.00$25.004/20/2010 8:04:00 PM
Dap2005$25.00$25.004/20/2010 8:28:12 PM
CA_Lender$25.00$25.004/20/2010 9:35:25 PM
don8ter$25.00$25.004/21/2010 6:52:47 AM
GiantAardvark$25.00$25.004/21/2010 10:11:09 AM
Havana21$100.00$100.004/21/2010 10:10:51 AM
nands31$25.00$25.004/21/2010 9:33:35 AM
responsive-gain7$25.00$25.004/21/2010 11:16:03 AM
JFKPilot$25.00$25.004/21/2010 12:47:38 PM
uncleubb$25.00$25.004/21/2010 1:38:42 PM
powerful-velocity$25.00$25.004/21/2010 5:33:29 PM
DasMula$25.00$25.004/21/2010 10:21:43 PM
organic-income5$40.00$40.004/21/2010 9:03:15 PM
rider350$25.00$25.004/22/2010 9:36:02 AM
thorough-exchange4$25.00$25.004/22/2010 12:02:28 PM
Supernick$50.00$50.004/22/2010 12:24:53 PM
bchen78875$25.00$25.004/22/2010 2:08:39 PM
gelidfrank$25.00$25.004/22/2010 4:55:01 PM
Breakfast_Gypsy$25.00$25.004/23/2010 7:10:32 AM
worth-arch$25.00$25.004/23/2010 8:27:49 AM
resource777$25.00$25.004/23/2010 9:03:14 AM
wise-silver-wonder$25.00$25.004/23/2010 9:42:11 AM
Clambake$50.00$50.004/23/2010 11:27:11 AM
Cai8899$50.00$50.004/23/2010 11:12:00 AM
Marathoner$25.00$25.004/23/2010 11:50:49 AM
oreyedoc$50.00$50.004/23/2010 5:00:27 PM
Tradesmanlender$25.00$25.004/23/2010 5:00:36 PM
Bank_Of_XL$100.00$100.004/23/2010 9:09:50 PM
mikeandcat$38.01$38.014/24/2010 5:11:16 PM
castleman$25.00$25.004/24/2010 5:19:46 PM
market-pudding$25.00$25.004/24/2010 10:01:04 PM
sarisai$25.00$25.004/25/2010 7:03:35 AM
DcUnited$25.00$25.004/25/2010 9:53:12 PM
freetimeskier$41.81$41.814/25/2010 10:17:51 PM
r0b3m4n$25.00$25.004/25/2010 11:33:47 PM
BBL$25.00$25.004/26/2010 6:28:52 AM
selfmademan$25.00$25.004/26/2010 6:37:57 AM
flyboy24$25.00$25.004/26/2010 5:40:51 AM
treasure-generator$25.00$25.004/26/2010 7:42:45 AM
nickel-ferret$25.00$25.004/26/2010 9:22:51 AM
NDFIRTH$50.00$50.004/26/2010 9:40:32 AM
Whipster$25.00$25.004/26/2010 10:28:28 AM
zeelender$25.00$25.004/26/2010 10:48:23 AM
Redleg6$25.00$25.004/26/2010 11:18:42 AM
Ven58$25.00$25.004/26/2010 9:20:32 AM
Casman8815$25.00$25.004/26/2010 11:37:49 AM
DadWarbucks$25.00$25.004/26/2010 11:39:07 AM
Cheburashka$25.00$25.004/26/2010 11:03:30 AM
Cre8iveCash$25.00$25.004/26/2010 11:39:18 AM
ISHLEP67$50.00$50.004/26/2010 9:23:03 AM
bigphish$25.00$25.004/26/2010 11:37:47 AM
phillipd48$25.00$25.004/26/2010 10:06:30 AM
twjh$25.00$25.004/26/2010 12:11:53 PM
Marfloogan$25.00$25.004/26/2010 11:38:05 AM
SNH$50.00$50.004/26/2010 11:39:52 AM
Bill88$25.00$25.004/26/2010 3:50:07 PM
best-listing-toro$25.00$25.004/26/2010 4:09:55 PM
mutual-benefit$25.00$25.004/26/2010 4:17:55 PM
kwan$50.00$50.004/26/2010 4:08:24 PM
wealth-multiplier$25.00$25.004/26/2010 1:09:43 PM
mammalian4$25.00$25.004/26/2010 4:28:06 PM
padewy$25.00$25.004/26/2010 4:29:41 PM
debt-legend$25.00$25.004/26/2010 5:12:50 PM
unclerock$50.00$50.004/27/2010 5:28:35 AM
_SCI_$25.00$25.004/27/2010 6:10:50 AM
duty-monger$50.00$50.004/27/2010 6:57:17 AM
us957165$25.00$25.004/26/2010 7:00:51 PM
Bob450$50.00$50.004/27/2010 7:47:57 AM
Franchiseguy$25.00$25.004/26/2010 8:14:23 PM
Dollars4Rent$25.00$25.004/26/2010 8:23:05 PM
LoanerPrincipal$50.00$50.004/26/2010 10:00:27 PM
persistent-bazaar$25.00$25.004/27/2010 6:50:19 AM
amlu1988$25.00$25.004/27/2010 8:28:44 AM
interstellar$29.97$29.974/27/2010 8:49:08 AM
slxvq$52.07$52.074/27/2010 10:28:24 AM
exchange-cowbell5$25.00$25.004/27/2010 11:05:52 AM
OoM$25.00$25.004/27/2010 12:12:49 PM
hektek22$25.00$25.004/27/2010 12:35:00 PM
trade-structure$25.00$25.004/27/2010 3:43:52 PM
enforcer0$50.00$50.004/27/2010 4:03:14 PM
HenlopenCapital$25.00$25.004/27/2010 2:50:05 PM
SALLYEB$50.00$50.004/27/2010 3:16:59 PM
199 bids
 
Borrower Payment Dependent Notes Series 453852
This series of Notes was issued and sold upon the funding of the borrower loan #42017, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0% Auction start date:  Apr-15-2010 
  Auction end date:  Apr-22-2010 
 
Starting lender yield: 23.68% Starting borrower rate/APR: 24.68% / 26.98% Starting monthly payment: $415.70
Final lender yield: 22.70% Final borrower rate/APR: 23.70% / 25.99% Final monthly payment: $410.29
 
Auction yield range: 8.04% - 23.68% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2001 Debt/Income ratio: 39%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:1y 0m
Credit score: 700-719 (Apr-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $11,281Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Traderising Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 95% ) 700-719 (Latest)
Principal borrowed: $15,000.00< mo. late: 1 ( 5% )  
680-699 (Jun-2008)
 
Principal balance: $7,567.47 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Low risk, high reward business
I have built incredible value into my business.? I have a product that is ready for market and the infrastructure to sell it.? Everyone I talk to about it gets excited and wants in.

My income would have been much higher if I had paid myself a salary from the business?-no point because I would have had to pay additional tax on my own money.

I have spent 70k directly on the business, another 60k supporting myself.? The business is currently valued at $300,000.? I would not do anything to put that in jeopardy.? I would not apply for this loan if I were not 100% sure of my ability to make the payments.? I would get a job instead--not hard with my skills.

I need just 21 new customers each month paying $25/mo.

The loan will support me as I find customers and investors/partners.? I have access to angel investors through family connections.

I invite you to visit my web site and even try the product to understand why people would buy it and invest in the business.

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: Hello, On your last prosper loan you have one less than 1 month late payment. Can you tell us what month (and year) this late payment was? Thank you and good luck with your business. - persistent-bazaar
A: It was less than a day late. The payment was scheduled to be deducted from a checking account I did not use regularly--the same account to which my original loan was credited. I immediately made the payment with my regular checking account. Thanks (Apr-16-2010)
Q: Can you explain your business in ten words or less? - jpblan11
A: Similar to software provided by etrade and td with our own twist. Thanks (Apr-18-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
KandKLegacyInvestments$25.00$25.004/15/2010 11:31:11 AM
five-star-justice$36.00$36.004/15/2010 11:44:08 AM
dinero-speaker$25.00$25.004/15/2010 11:58:13 AM
delicious-social132$25.00$25.004/15/2010 11:57:55 AM
jdrez$25.00$25.004/15/2010 12:04:33 PM
Dap2005$25.00$25.004/15/2010 12:00:39 PM
authoritative-capital$25.00$25.004/15/2010 12:09:54 PM
mpatrick$50.00$4.804/15/2010 12:03:41 PM
bid-refresher2$25.00$25.004/15/2010 12:11:04 PM
influential-compassion9$50.00$50.004/15/2010 12:07:47 PM
finance-prescription$100.00$100.004/15/2010 12:10:32 PM
drg6289$25.00$25.004/15/2010 12:20:18 PM
market-pudding$25.00$25.004/15/2010 3:41:34 PM
iolaire$25.00$25.004/15/2010 1:43:12 PM
GElender$50.00$50.004/15/2010 4:03:17 PM
Speculator$100.00$100.004/15/2010 2:14:11 PM
wings2fly$25.00$25.004/15/2010 11:33:09 PM
booyah$60.00$60.004/15/2010 10:48:06 PM
schpere$25.00$25.004/16/2010 4:43:03 AM
lowrate$25.00$25.004/16/2010 12:33:29 AM
treasure-bliss$100.00$100.004/16/2010 4:37:20 AM
radforj22$25.00$25.004/16/2010 8:00:43 AM
dpdn57$25.00$25.004/16/2010 6:29:36 AM
cnovak$25.00$25.004/16/2010 9:21:54 AM
bonus-adventure3$50.00$50.004/16/2010 6:38:36 AM
Artist_Blue$25.00$25.004/16/2010 7:53:07 AM
gatorjh$25.00$25.004/16/2010 7:08:38 AM
foothillender$25.00$25.004/16/2010 7:21:38 AM
JSON$25.00$25.004/16/2010 10:09:35 AM
LoanAngel$25.00$25.004/16/2010 9:21:57 AM
rickp$25.00$25.004/16/2010 10:34:22 AM
emphatic-deal5$25.00$25.004/16/2010 9:35:02 AM
ptjg$50.00$50.004/16/2010 10:31:05 AM
BzJ108$25.00$25.004/16/2010 10:39:35 AM
bchen78875$25.00$25.004/16/2010 11:24:08 AM
a-finance-nirvana$25.00$25.004/16/2010 12:43:56 PM
the-profit-oracle$25.00$25.004/16/2010 12:44:46 PM
authoritative-capital$25.00$25.004/16/2010 12:01:29 PM
persistent-bazaar$51.24$51.244/16/2010 1:19:26 PM
SolarMoonshine$25.00$25.004/16/2010 3:07:30 PM
cptproton$25.00$25.004/16/2010 5:03:59 PM
Cai8899$30.00$30.004/16/2010 9:09:26 PM
Supernick$50.00$50.004/16/2010 7:43:02 PM
important-ore$50.00$50.004/16/2010 9:34:39 PM
decisive-capital$75.00$75.004/17/2010 5:27:57 PM
engaging-worth$25.00$25.004/18/2010 6:39:59 AM
ChrisKwan$25.00$25.004/18/2010 8:41:47 AM
thedreamer$25.00$25.004/18/2010 10:48:31 AM
Clambake$50.00$50.004/19/2010 12:06:23 AM
JGB$25.00$25.004/18/2010 2:01:13 PM
selfmademan$25.00$25.004/18/2010 2:18:09 PM
calm-deal7$25.00$25.004/19/2010 9:35:43 AM
Turkish101$25.00$25.004/19/2010 12:16:22 PM
ptjg$25.00$25.004/19/2010 12:37:01 PM
Ripsaw4U$25.00$25.004/19/2010 1:06:34 PM
balanced-bill7$100.00$100.004/19/2010 2:10:37 PM
tnjohnso$25.00$25.004/19/2010 4:39:13 PM
BBL$25.00$25.004/19/2010 4:40:33 PM
CarDealer3070$25.00$25.004/19/2010 5:34:00 PM
bountiful-bazaar$25.00$25.004/19/2010 9:18:59 PM
850$50.00$50.004/19/2010 10:45:52 PM
dancingeagle$152.57$152.574/20/2010 6:08:49 AM
Slend49$25.00$25.004/20/2010 6:29:17 AM
CAGE-Investments$48.00$48.004/20/2010 9:03:17 AM
studious-bonus7$27.57$27.574/20/2010 9:28:16 AM
don8ter$25.00$25.004/20/2010 6:28:34 AM
Whynot1$25.00$25.004/20/2010 10:08:48 AM
brazilofmux$51.53$51.534/20/2010 10:38:23 AM
wise-silver-wonder$25.00$25.004/20/2010 11:34:42 AM
SNH$36.10$36.104/20/2010 1:54:06 PM
ISHLEP67$50.00$50.004/20/2010 2:17:53 PM
bigphish$25.00$25.004/20/2010 4:10:56 PM
atomantic$25.00$25.004/20/2010 12:35:07 PM
loan-kung-fu$25.00$25.004/20/2010 12:35:32 PM
aldeed$25.00$25.004/20/2010 5:31:45 PM
mydreamsagain$50.00$50.004/20/2010 5:32:35 PM
LenderByDay$25.00$25.004/20/2010 5:32:55 PM
nodrivelpls$25.00$25.004/20/2010 5:33:04 PM
Zipline$25.00$25.004/20/2010 5:34:02 PM
TennSquire$25.00$25.004/20/2010 5:32:15 PM
AEH_Now$50.00$50.004/20/2010 7:39:12 PM
captainzero$50.00$50.004/20/2010 5:53:53 PM
TCR3$25.00$25.004/20/2010 8:28:07 PM
FinDoc$25.00$25.004/20/2010 6:00:46 PM
Bob450$25.00$25.004/20/2010 10:52:23 PM
Bob450$75.00$75.004/20/2010 10:30:05 PM
aader$25.00$25.004/20/2010 6:18:15 PM
surgeon3$100.00$100.004/20/2010 7:31:29 PM
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rlrcstr$25.00$25.004/20/2010 8:48:05 PM
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skiberdad$29.87$29.874/21/2010 8:35:59 AM
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mpactlender$25.00$25.004/21/2010 5:33:41 AM
bsh297$25.00$25.004/21/2010 9:34:41 AM
GiantAardvark$25.00$25.004/21/2010 10:11:29 AM
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dashawn$25.00$25.004/21/2010 10:48:03 AM
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twjh$25.00$25.004/21/2010 11:30:12 AM
Ballard$25.00$25.004/21/2010 11:48:28 AM
smallfry$25.00$25.004/21/2010 10:40:27 AM
spsavage$25.00$25.004/21/2010 11:54:28 AM
KiwiElf$25.00$25.004/21/2010 10:49:29 AM
Plotinus$36.80$36.804/21/2010 12:13:23 PM
flwah$25.00$25.004/21/2010 12:38:09 PM
loanshark4u$25.00$25.004/21/2010 12:30:01 PM
glalat$25.00$25.004/21/2010 12:37:58 PM
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uncleubb$25.00$25.004/21/2010 1:39:04 PM
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dynrep$25.00$25.004/21/2010 5:13:27 PM
durability-colonel$50.00$50.004/21/2010 5:33:49 PM
Feyenoord$25.00$25.004/21/2010 6:51:47 PM
Ambassador$31.00$31.004/22/2010 4:28:43 AM
unger$50.00$50.004/21/2010 7:29:09 PM
gothampark$25.00$25.004/22/2010 1:10:42 AM
umfan123$25.00$25.004/22/2010 6:28:13 AM
persistent-bazaar$250.00$250.004/22/2010 7:02:48 AM
micko$25.00$25.004/22/2010 7:18:55 AM
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Ogerta$50.00$50.004/22/2010 7:27:23 AM
Ogerta$100.00$100.004/22/2010 7:27:53 AM
BrighterSuns$25.00$25.004/22/2010 7:35:48 AM
reflective-rupee$150.00$150.004/21/2010 9:49:09 PM
Tradesmanlender$25.00$25.004/21/2010 10:03:43 PM
Leshan$100.00$100.004/22/2010 8:33:42 AM
wise-organic-integrity$25.00$25.004/22/2010 7:40:49 AM
Casman8815$25.00$25.004/22/2010 7:47:44 AM
interstellar$30.84$30.844/22/2010 4:47:48 AM
credit-coach118$30.00$30.004/22/2010 8:44:32 AM
rider350$25.00$25.004/22/2010 9:36:15 AM
Bob450$25.00$25.004/22/2010 9:43:30 AM
lostontheedge$25.00$25.004/22/2010 8:14:09 AM
Gabriel02$25.00$25.004/22/2010 10:49:07 AM
patriot384$83.00$83.004/22/2010 10:24:26 AM
aquistoyraul$25.00$25.004/22/2010 11:12:24 AM
charming-point$300.00$300.004/15/2010 11:45:28 AM
blackstar$25.00$25.004/15/2010 11:40:52 AM
torion$25.00$25.004/15/2010 11:57:12 AM
copper$30.00$30.004/15/2010 11:45:24 AM
mmckune$25.00$25.004/15/2010 11:59:54 AM
nickel-ferret$25.00$25.004/15/2010 12:00:06 PM
unassassinable$25.00$25.004/15/2010 12:01:02 PM
bowdish1$50.00$50.004/15/2010 12:01:37 PM
kindness-percolator5$25.00$25.004/15/2010 12:01:47 PM
heavenly-repayment4$30.00$30.004/15/2010 11:59:00 AM
integrity-doctor$100.00$100.004/15/2010 11:59:14 AM
hrubinst$25.00$25.004/15/2010 11:56:55 AM
Avala$50.00$50.004/15/2010 11:57:35 AM
sociallender$25.00$25.004/15/2010 12:03:38 PM
shrewd-peace7$25.00$25.004/15/2010 12:04:08 PM
PRGuyinVA$25.00$25.004/15/2010 12:02:33 PM
frogperson$75.00$75.004/15/2010 12:05:05 PM
a-consummate-camaraderi$50.00$50.004/15/2010 12:06:10 PM
contract-eagle$25.00$25.004/15/2010 12:08:48 PM
mulberry4$25.00$25.004/15/2010 6:26:52 PM
MihirFromRedmond$25.00$25.004/15/2010 10:23:33 PM
ichibon$75.00$75.004/16/2010 3:25:22 AM
metro457$25.00$25.004/15/2010 6:35:04 PM
DublinCaLender$25.00$25.004/15/2010 7:17:57 PM
Havana21$50.00$50.004/15/2010 10:23:19 PM
ideal-platinum1$100.00$100.004/16/2010 5:34:52 AM
orderly-leverage$40.00$40.004/15/2010 8:53:07 PM
orange-preeminant-bill$100.00$100.004/16/2010 4:44:00 AM
kmr2$25.00$25.004/16/2010 9:03:22 AM
Ready2Loan$25.00$25.004/16/2010 9:39:26 AM
interest-griffin$50.00$50.004/16/2010 9:43:37 AM
teller$25.00$25.004/16/2010 10:11:31 AM
runner262$25.00$25.004/16/2010 9:35:32 AM
Asynch$25.00$25.004/16/2010 10:41:53 AM
transparency-planetarium$25.00$25.004/16/2010 9:36:05 AM
market-mover$25.00$25.004/16/2010 10:42:14 AM
coin-investor$25.00$25.004/16/2010 12:43:32 PM
AF-Chief$28.00$28.004/16/2010 12:59:26 PM
atrain2007$25.00$25.004/16/2010 10:42:23 AM
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Duanep01$25.00$25.004/16/2010 3:34:07 PM
debt-system880$25.00$25.004/16/2010 8:38:01 PM
Your_Bank$100.00$100.004/17/2010 6:27:32 AM
income-rocker2$100.00$100.004/17/2010 7:07:52 AM
emt747$25.00$25.004/17/2010 7:59:59 AM
balance2$50.00$50.004/18/2010 7:43:44 AM
Binan$25.00$25.004/18/2010 6:58:02 AM
Millmanator$25.00$25.004/18/2010 10:20:22 AM
cingular$25.00$25.004/18/2010 6:28:24 PM
interest-jedi0$50.00$50.004/19/2010 9:33:25 AM
lagnisiruk$25.00$25.004/19/2010 12:06:27 AM
new-reward-sequoia$25.00$25.004/19/2010 6:33:51 AM
loiosh$25.00$25.004/19/2010 12:34:04 PM
jblack01$25.00$25.004/19/2010 3:55:00 PM
Imaginos1892$100.00$100.004/19/2010 5:58:13 PM
freetimeskier$50.00$50.004/19/2010 9:07:50 PM
flyboy24$25.00$25.004/19/2010 9:37:59 PM
Toppenish99$25.00$25.004/19/2010 6:48:44 PM
Kash2010lu$35.00$35.004/20/2010 5:42:29 AM
bazzer$25.00$25.004/20/2010 1:20:08 PM
Interloper$25.00$25.004/20/2010 4:08:14 PM
treasure-generator$25.00$25.004/20/2010 12:14:51 PM
Quetz$25.00$25.004/20/2010 4:11:22 PM
skuba$25.00$25.004/20/2010 5:31:43 PM
Aquani$50.00$50.004/20/2010 5:31:55 PM
xyzlmno$50.00$50.004/20/2010 5:32:16 PM
mrkb80$25.00$25.004/20/2010 5:32:17 PM
kanpur63$25.00$25.004/20/2010 5:33:05 PM
p2p_banker$25.00$25.004/20/2010 5:33:25 PM
damanq$25.00$25.004/20/2010 5:34:00 PM
personal-lender$25.00$25.004/20/2010 5:34:07 PM
chekat$25.00$25.004/20/2010 5:34:46 PM
vkm2000$25.00$25.004/20/2010 5:59:19 PM
new-goal-return$25.00$25.004/20/2010 5:17:30 PM
RusRobo$25.00$25.004/20/2010 6:19:46 PM
aurorafinancial$50.00$50.004/20/2010 5:32:20 PM
Supp0rter$35.66$35.664/20/2010 6:18:17 PM
anton$96.54$96.544/20/2010 5:34:05 PM
omerta6102$30.92$30.924/20/2010 8:48:04 PM
vigilance-searcher$25.00$25.004/20/2010 10:06:00 PM
Richlaw$200.00$200.004/21/2010 6:54:48 AM
leverage-monger$25.00$25.004/21/2010 6:55:23 AM
biobulator$25.00$25.004/20/2010 8:48:01 PM
MTlender$25.00$25.004/21/2010 8:25:48 AM
head$25.00$25.004/21/2010 8:58:45 AM
mikeandcat$29.43$29.434/21/2010 5:17:54 AM
Whipster$25.00$25.004/21/2010 5:34:44 AM
donlenboy$31.50$31.504/21/2010 6:34:54 AM
dparkhom$25.00$25.004/21/2010 9:41:48 AM
shortstop21$25.00$25.004/21/2010 9:41:50 AM
TakeCare$200.00$200.004/21/2010 10:11:56 AM
lost-money-so-far-on-these$25.00$25.004/21/2010 10:55:07 AM
derec$25.00$25.004/21/2010 11:13:32 AM
IIP77$25.00$25.004/21/2010 11:14:25 AM
martymaniaman$25.00$25.004/21/2010 10:03:39 AM
BrooklynJim$25.00$25.004/21/2010 11:48:25 AM
Sibelius2$25.00$25.004/21/2010 11:48:31 AM
DadWarbucks$25.00$25.004/21/2010 12:06:35 PM
mizunoman$25.00$25.004/21/2010 12:38:01 PM
DRA-Properties$25.00$25.004/21/2010 11:15:32 AM
dmitrk$25.00$25.004/21/2010 12:44:14 PM
mc81$25.00$25.004/21/2010 12:54:04 PM
WorldlyWorker$25.00$25.004/21/2010 12:54:21 PM
njcass79$64.42$64.424/21/2010 12:57:23 PM
LongTail$25.00$25.004/21/2010 1:05:41 PM
gotyourgear$25.00$25.004/21/2010 11:54:16 AM
cesta283$25.00$25.004/21/2010 12:04:47 PM
G1g1ty$25.00$25.004/21/2010 1:12:55 PM
cassius84$25.00$25.004/21/2010 12:19:38 PM
yield-lion$25.00$25.004/21/2010 1:13:35 PM
Heatguy$50.00$50.004/21/2010 12:27:53 PM
wwwUniversal$25.00$25.004/21/2010 12:34:10 PM
uwinwewin$25.00$25.004/21/2010 3:13:35 PM
Land_on_your_feet$25.00$25.004/21/2010 3:18:44 PM
Gobsek$25.00$25.004/21/2010 8:54:31 PM
OGS_Capital$25.00$25.004/22/2010 6:43:41 AM
E-B$50.00$50.004/22/2010 3:48:31 AM
Sol_Invictus$25.00$25.004/22/2010 5:51:44 AM
return-eclipse0$25.00$25.004/22/2010 7:29:30 AM
ultimate-peace$100.00$100.004/22/2010 7:53:18 AM
JCM_MN$30.00$30.004/22/2010 5:07:28 AM
NekHoldings$25.00$25.004/22/2010 9:08:24 AM
Breakfast_Gypsy$25.00$25.004/22/2010 9:35:32 AM
Bill88$25.00$25.004/22/2010 11:10:05 AM
a-heroic-fairness$25.00$25.004/22/2010 11:28:34 AM
268 bids
 
Borrower Payment Dependent Notes Series 454370
This series of Notes was issued and sold upon the funding of the borrower loan #42211, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Apr-16-2010 
  Auction end date:  Apr-23-2010 
 
Starting lender yield: 14.03% Starting borrower rate/APR: 15.03% / 17.20% Starting monthly payment: $416.16
Final lender yield: 13.85% Final borrower rate/APR: 14.85% / 17.02% Final monthly payment: $415.10
 
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: Oct-1999 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:0y 0m
Credit score: 720-739 (Apr-2010) Total credit lines: 31 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $17,064Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: rae4sunshine Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,700.00< mo. late: 0 ( 0% )  
660-679 (Jan-2008)
 
Principal balance: $1,529.70 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Changing my Life
Purpose of loan:
This loan will help me get out from under my debt, I was making a lot of head way with my debt (starting with my first Prosper loan) but I was laid off and wracked up more debt on my credit card that I had paid off. Now I want to get it paid off for good.

My financial situation:
I am a good candidate for this loan because I am very responsible when it comes to financial issues. Even though I have a accrued a large amount of debt, I have never missed or been late on a payment and?I always pay more than the minimum. The amount that I am asking for would pay off the credit card that has the highest interest rate. I have a goal to be in a position to buy a home in a few years, and this is my step in that direction. I know it may hurt my credit but I intend to cancel my credit card when it is paid off so this won't become a cycle.

Monthly net income: $ 4,100 (I put 10% in my 401K)

Monthly expenses: $?1,915
??Housing: $?400 - My rent is very low because I live in a home that has subsidized rent, in exchange I?host local events for young?Jewish professionals. You can get more details at www.moishehouse.org, I am in the Moishe House OC.
??Insurance: $?90
??Car expenses: $?80 - gas
??Utilities: $?35
??Phone, cable, internet: $?60
??Food: $?150
??Clothing, household expenses $ 300
??Credit cards and other loans: $?800 (minimum 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
Q: What is your current job? What was your former job? - Finspons
A: I am the social media manager for Sanuk, before that I was the social media specialist for Boost Mobile (I left Boost for a 22 percent increase in salary :D) (Apr-16-2010)
Q: hello i didnt see exactly what you do for a living it just states "professional" if you dont mind sharing what exactly is your job title? thanX - tranquil-return4
A: I am the social media manager for Sanuk. (Apr-16-2010)
Q: What falls underother loans? How much of the $800 is made up of minimum payments? Once approved how much will that $800 dollars decrease, not taking into account the monthly payment for the Prosper loan? - goalieman688
A: My three credit cards ($430), student loan payment ($203) and other prosper loan ($187). Of that amount I would eliminate $350 of the credit card payments. So the $800 (which is actually $820 when you don't round) will be $873. (Apr-21-2010)
Q: Does your income $4100 monthly include your current job's salary? - p2ploan-sensation211
A: Yes, I make $78,000 a year, after my 10% 401K contribution, insurance, and taxes I make approx that amount (our pay is over 26 weeks, not twice a month) (Apr-21-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
contract-eagle$25.00$25.004/16/2010 4:15:11 PM
finance-prescription$100.00$100.004/16/2010 4:16:04 PM
integrity-doctor$100.00$100.004/16/2010 4:16:38 PM
bid-refresher2$25.00$25.004/16/2010 4:16:16 PM
Avala$50.00$50.004/16/2010 4:28:12 PM
dinero-speaker$25.00$25.004/16/2010 4:28:47 PM
a-consummate-camaraderi$50.00$50.004/16/2010 4:33:01 PM
mmckune$25.00$25.004/16/2010 4:29:31 PM
bowdish1$50.00$50.004/16/2010 4:30:41 PM
transparency-planetarium$25.00$25.004/16/2010 4:37:17 PM
nickel-ferret$25.00$25.004/16/2010 4:29:35 PM
kindness-percolator5$25.00$25.004/16/2010 4:30:52 PM
Havana21$100.00$100.004/16/2010 4:34:21 PM
KandKLegacyInvestments$25.00$25.004/16/2010 4:49:41 PM
frogperson$75.00$75.004/16/2010 4:34:59 PM
economy-producer$25.00$25.004/16/2010 4:56:25 PM
ichibon$75.00$75.004/16/2010 4:35:04 PM
bslavin$25.00$25.004/16/2010 5:13:07 PM
bonus-adventure3$50.00$50.004/16/2010 4:36:00 PM
emphatic-deal5$25.00$25.004/16/2010 4:36:57 PM
mtquan$25.00$25.004/16/2010 4:49:22 PM
Havnfun$25.00$25.004/16/2010 4:50:12 PM
EDGE4194$25.00$25.004/16/2010 4:54:57 PM
selector568$200.00$200.004/16/2010 4:49:18 PM
Medic05$25.00$25.004/16/2010 5:57:57 PM
trueblue52$48.60$48.604/16/2010 9:09:05 PM
cptproton$25.00$25.004/16/2010 5:03:46 PM
Ragnar$25.00$25.004/16/2010 6:33:04 PM
jcjdingdong$25.00$25.004/16/2010 9:27:56 PM
porwestco$25.00$25.004/17/2010 6:35:31 AM
PRGuyinVA$25.00$25.004/17/2010 7:37:48 AM
Supernick$50.00$50.004/16/2010 7:43:14 PM
dadobank$26.66$26.664/16/2010 9:32:03 PM
autonomous-basis$25.00$25.004/17/2010 12:58:12 AM
stable-nickel$100.00$100.004/17/2010 8:23:44 AM
important-ore$50.00$50.004/16/2010 9:34:27 PM
Rdodson11$25.00$25.004/16/2010 10:13:37 PM
a-finance-nirvana$25.00$25.004/17/2010 2:19:53 PM
ttnk62918$25.00$25.004/17/2010 11:27:58 AM
euro-starter$25.00$25.004/17/2010 7:39:47 PM
Nerdster1$25.00$25.004/17/2010 8:22:48 AM
ideal-platinum1$96.00$96.004/17/2010 8:23:35 AM
thezfunk$25.00$25.004/18/2010 12:44:44 AM
festeringsnot$25.00$25.004/18/2010 4:44:08 AM
HaveToWrite$25.00$25.004/17/2010 10:18:30 AM
Binan$25.00$25.004/18/2010 6:57:50 AM
wings2fly$25.00$25.004/17/2010 11:57:59 AM
platinum-sorcerer6$25.00$25.004/18/2010 9:23:36 AM
LR_Biker$25.00$25.004/18/2010 9:42:55 AM
MihirFromRedmond$25.00$25.004/18/2010 6:58:11 AM
cpblue79$100.00$100.004/17/2010 6:58:11 PM
thedreamer$25.00$25.004/18/2010 10:48:43 AM
alaco$25.00$25.004/17/2010 9:57:54 PM
newest-inspiring-power$25.00$25.004/18/2010 9:23:37 AM
HHP$25.00$25.004/18/2010 9:38:30 AM
supersarah61$25.00$25.004/18/2010 12:06:09 PM
elegant-bonus$25.00$25.004/18/2010 7:52:13 PM
JTCorp$25.00$25.004/18/2010 3:37:57 PM
calm-deal7$25.00$25.004/19/2010 12:05:55 AM
logical-reward8$25.00$25.004/19/2010 12:06:50 AM
market-pudding$25.00$25.004/18/2010 12:23:14 PM
shrewd-deal$25.00$25.004/19/2010 12:07:20 AM
Ducatiman1978$25.00$25.004/18/2010 7:52:14 PM
boater01$47.24$47.244/19/2010 8:08:36 AM
bill-expert$25.00$25.004/19/2010 12:06:51 AM
ommcd$25.00$25.004/19/2010 2:49:34 AM
unclerock$50.00$50.004/19/2010 6:13:28 AM
benamation$25.00$25.004/19/2010 9:33:45 AM
moves$25.00$25.004/18/2010 9:05:16 PM
orgy63$25.00$25.004/19/2010 12:06:49 AM
iolaire$25.00$25.004/19/2010 11:00:37 AM
tsui517$25.00$25.004/19/2010 10:44:55 AM
payment-arrow$25.00$25.004/19/2010 9:33:04 AM
rock931$25.00$25.004/19/2010 9:53:20 AM
miamibeachloaner$25.00$25.004/19/2010 11:00:52 AM
investment-tempo$50.00$50.004/19/2010 4:28:36 PM
GElender$50.00$50.004/19/2010 4:41:42 PM
850$50.00$50.004/19/2010 10:49:12 PM
duty-monger$50.00$50.004/20/2010 7:42:46 AM
jodilee31$25.91$25.914/20/2010 3:56:34 AM
enthralling-investment$35.00$35.004/20/2010 11:27:12 AM
credit-panda1$50.00$50.004/20/2010 8:52:30 AM
Sigmund-Freud$50.00$50.004/20/2010 12:14:49 PM
Sigmund-Freud$50.00$50.004/20/2010 12:16:10 PM
atomantic$75.00$75.004/20/2010 12:36:19 PM
BrighterSuns$25.00$25.004/20/2010 1:56:35 PM
new-reward-sequoia$25.00$25.004/20/2010 4:09:34 PM
Cai8899$50.00$13.464/20/2010 4:10:32 PM
radiant-cash0$25.00$25.004/20/2010 4:31:53 PM
aniason$81.08$81.084/20/2010 4:34:50 PM
well-mannered-income3$40.00$40.004/20/2010 4:41:03 PM
thrifty-funds1$25.00$25.004/20/2010 7:08:54 PM
starry2001$25.00$25.004/20/2010 7:54:27 PM
seabowl$26.00$26.004/20/2010 8:09:11 PM
skifamily1992$25.00$25.004/20/2010 6:32:05 PM
compuguy8$30.00$30.004/21/2010 1:41:13 AM
MoneyForNothing$25.00$25.004/20/2010 7:20:00 PM
EastBayCapital$25.00$25.004/21/2010 9:34:01 AM
miket71$100.00$100.004/21/2010 10:19:43 AM
hoss359$180.30$180.304/21/2010 9:25:52 AM
the-revenue-demon$25.00$25.004/21/2010 1:11:48 PM
cajunguy$39.77$39.774/21/2010 4:17:08 PM
GypsyKat$25.00$25.004/22/2010 12:33:41 PM
debtcollector$50.00$50.004/22/2010 1:51:57 PM
captainzero$75.00$75.004/22/2010 3:32:19 PM
flipnsf$25.00$25.004/22/2010 3:38:22 PM
RedRockLLC$25.00$25.004/22/2010 4:50:49 PM
gelidfrank$25.00$25.004/22/2010 4:30:38 PM
reflective-rupee$100.00$100.004/22/2010 4:58:30 PM
LibbyZ$50.00$50.004/22/2010 4:37:58 PM
neorunner$25.00$25.004/22/2010 5:31:14 PM
wwwUniversal$25.00$25.004/22/2010 4:54:07 PM
rockhound84$50.00$50.004/22/2010 6:24:55 PM
jcw3rd$25.00$25.004/22/2010 7:29:43 PM
buukyak$25.00$25.004/22/2010 9:52:21 PM
West_End_Local$50.00$50.004/22/2010 8:09:34 PM
the-silver-blaster$50.00$50.004/22/2010 7:50:53 PM
radiant-cash0$25.00$25.004/23/2010 4:26:22 AM
Jiangtao$25.00$25.004/22/2010 10:22:05 PM
spiff666$25.00$25.004/23/2010 6:15:17 AM
Miklot$221.83$221.834/23/2010 12:01:09 AM
kronosmetis$50.00$50.004/23/2010 6:58:43 AM
tender-ore$25.00$25.004/22/2010 9:16:26 PM
massuot$25.00$25.004/23/2010 1:35:46 AM
Sol_Invictus$25.00$25.004/23/2010 5:45:02 AM
KSPHoldings$25.00$25.004/23/2010 6:57:17 AM
Leshan$50.00$50.004/23/2010 9:20:51 AM
rdrloan$50.00$50.004/23/2010 8:10:12 AM
hasbegun$25.00$25.004/23/2010 9:09:51 AM
Moneypenny6$25.00$25.004/23/2010 10:40:44 AM
rate-hickory$25.00$25.004/23/2010 9:20:54 AM
funds-rascal$100.00$100.004/23/2010 10:46:20 AM
moola-poplar$25.00$25.004/23/2010 11:06:35 AM
trade-elm$100.00$100.004/23/2010 11:28:57 AM
shrewd-income$150.00$150.004/23/2010 1:45:31 PM
doomsday18$25.00$25.004/23/2010 12:03:45 PM
Ven58$25.00$25.004/23/2010 1:53:00 PM
benefit-flow$25.00$25.004/23/2010 12:35:33 PM
uncleubb$50.00$50.004/23/2010 2:51:46 PM
dorfinia$50.00$50.004/23/2010 4:04:12 PM
ptjg$38.75$38.754/23/2010 3:56:29 PM
hrubinst$25.00$25.004/16/2010 4:27:45 PM
torion$25.00$25.004/16/2010 4:27:54 PM
unassassinable$25.00$25.004/16/2010 4:30:03 PM
shrewd-peace7$25.00$25.004/16/2010 4:32:00 PM
delicious-social132$25.00$25.004/16/2010 4:28:23 PM
orderly-leverage$40.00$40.004/16/2010 4:33:53 PM
Dap2005$25.00$25.004/16/2010 4:29:53 PM
Sven79$50.00$50.004/16/2010 4:38:22 PM
AF-Chief$27.00$27.004/16/2010 4:38:42 PM
the-profit-oracle$25.00$25.004/16/2010 4:39:48 PM
sloak$25.00$25.004/16/2010 5:52:48 PM
tranquil-return4$25.00$25.004/16/2010 4:53:28 PM
ddog0224$25.00$25.004/16/2010 4:55:48 PM
radforj22$25.00$25.004/16/2010 8:33:21 PM
j2ee$25.00$25.004/17/2010 3:39:13 AM
debt-system880$25.00$25.004/16/2010 8:37:46 PM
CAGE-Investments$100.00$100.004/17/2010 8:23:31 AM
sincere-balance$25.00$25.004/17/2010 6:38:16 AM
wkeboarder21$50.00$50.004/17/2010 7:08:22 AM
emt747$25.00$25.004/17/2010 7:59:45 AM
heavenly-repayment4$30.00$30.004/17/2010 11:35:14 AM
aggielender$25.00$25.004/17/2010 8:23:32 AM
fairhelper$25.00$25.004/17/2010 12:43:27 PM
successful-agreement7$25.00$25.004/17/2010 1:37:56 PM
Kadvopatel$25.00$25.004/17/2010 10:20:05 PM
kellyp255$25.00$25.004/17/2010 9:45:01 AM
psalms6612$25.00$25.004/17/2010 3:56:11 PM
decisive-capital$75.00$75.004/17/2010 5:28:06 PM
CalBear5$25.00$25.004/17/2010 4:32:44 PM
balance2$50.00$50.004/18/2010 7:43:31 AM
BuckeyeGuy$25.00$25.004/18/2010 11:19:15 AM
vicumn$25.00$25.004/18/2010 8:38:29 AM
jdrez$25.00$25.004/18/2010 10:20:11 AM
Millmanator$25.00$25.004/18/2010 10:20:14 AM
sweet-loan8$25.00$25.004/18/2010 12:06:27 PM
JGB$25.00$25.004/18/2010 2:01:01 PM
CymruAmByth$25.00$25.004/18/2010 2:01:23 PM
return-buddy$25.00$25.004/18/2010 12:06:11 PM
studious-bonus7$50.00$50.004/19/2010 12:06:19 AM
Interstate_Rate$330.00$330.004/19/2010 12:06:37 AM
Syndication$25.00$25.004/19/2010 12:06:52 AM
himanshuko$25.00$25.004/18/2010 7:19:16 PM
influential-compassion9$47.72$47.724/18/2010 4:12:49 PM
japerk$25.00$25.004/19/2010 12:06:23 AM
economy-river$25.00$25.004/19/2010 12:07:05 AM
CO80487$25.00$25.004/19/2010 12:07:08 AM
capital-marsupial3$25.00$25.004/19/2010 12:07:21 AM
inspired-contract9$25.00$25.004/18/2010 7:51:42 PM
The_Secret$25.22$25.224/19/2010 5:05:57 AM
vivacious-euro$50.00$50.004/19/2010 9:33:41 AM
mdfrog13$70.00$70.004/19/2010 6:17:00 AM
return-eclipse0$25.00$25.004/18/2010 11:57:56 PM
gethsemane4$25.00$25.004/19/2010 10:25:45 AM
flopcat$25.00$25.004/19/2010 10:31:44 AM
dime-galaxy$25.00$25.004/19/2010 12:06:49 AM
Moody26$25.00$25.004/19/2010 12:06:51 AM
treasure-bliss$72.47$72.474/19/2010 12:07:22 AM
smmgnn99$25.00$25.004/19/2010 11:01:07 AM
vivid-loot$25.00$25.004/19/2010 11:11:09 AM
bchen78875$25.00$25.004/19/2010 11:14:26 AM
keeminn$25.00$25.004/19/2010 11:01:01 AM
interest-jedi0$50.00$50.004/19/2010 9:33:11 AM
buckyhead2000$25.00$25.004/19/2010 11:00:43 AM
Ripsaw4U$25.00$25.004/19/2010 1:06:22 PM
invest-in-ed$100.00$100.004/19/2010 3:24:37 PM
Aberdeen$400.00$400.004/19/2010 4:42:30 PM
integrity-broker$50.00$50.004/19/2010 5:36:08 PM
bountiful-bazaar$25.00$25.004/19/2010 9:18:53 PM
five-star-bid2$25.00$25.004/19/2010 10:20:56 PM
don8ter$25.00$25.004/20/2010 6:28:43 AM
Slend49$25.00$25.004/20/2010 6:29:10 AM
Clambake$42.79$42.794/20/2010 10:38:26 AM
Artist_Blue$25.00$25.004/20/2010 10:48:35 AM
loan-kung-fu$25.00$25.004/20/2010 12:35:24 PM
lender12345$25.00$25.004/20/2010 1:36:21 PM
cingular$25.00$25.004/20/2010 3:46:03 PM
lowrate$25.00$25.004/20/2010 4:10:21 PM
best-listing-toro$25.00$25.004/20/2010 5:40:55 PM
StrongMonty$25.00$25.004/20/2010 6:10:30 PM
dbanwart$25.00$25.004/21/2010 5:22:23 AM
CSinvestments$25.00$25.004/20/2010 7:59:53 PM
dollardave$100.00$100.004/20/2010 10:34:16 PM
Richlaw$200.00$200.004/21/2010 6:51:29 AM
TakeCare$50.00$50.004/21/2010 10:19:08 AM
dasbuntenheim$55.96$55.964/21/2010 10:52:09 AM
merlin981$35.22$35.224/21/2010 11:24:26 AM
Whynot1$25.00$25.004/21/2010 12:25:52 PM
Roohugger$27.00$27.004/21/2010 2:16:25 PM
tsquared_030$100.00$100.004/21/2010 6:59:17 PM
Jim33$25.00$25.004/21/2010 10:06:18 PM
PlusUltra$125.01$125.014/22/2010 7:15:05 AM
Credit2Prosper$100.00$100.004/22/2010 8:38:30 AM
william8$25.00$25.004/22/2010 10:53:00 AM
twjh$25.00$25.004/22/2010 12:38:40 PM
kelador$91.00$91.004/22/2010 3:46:20 PM
bigb7$45.00$45.004/22/2010 3:57:26 PM
GarciaCompany$25.00$25.004/22/2010 4:12:18 PM
pinballwizard$28.77$28.774/22/2010 4:49:53 PM
ultimatepaintball$25.00$25.004/22/2010 4:42:59 PM
reflective-rupee$100.00$100.004/22/2010 4:58:47 PM
RichMaker1$50.00$50.004/22/2010 6:36:15 PM
hidavehi$25.00$25.004/22/2010 6:46:31 PM
Cory79$25.00$25.004/22/2010 7:06:44 PM
the_prince$100.00$100.004/22/2010 5:20:49 PM
willinvest$25.00$25.004/22/2010 6:06:30 PM
jcquiroz$39.00$39.004/22/2010 6:28:24 PM
LesPaul1$25.00$25.004/22/2010 5:59:46 PM
TheDivaMoon$25.00$25.004/22/2010 9:14:26 PM
top-tranquil-justice$28.50$28.504/22/2010 9:41:14 PM
patriot384$150.00$150.004/22/2010 8:14:58 PM
KingCroesus$25.00$25.004/22/2010 11:06:58 PM
lazyeye$27.85$27.854/22/2010 10:07:04 PM
markandrosie$30.17$30.174/22/2010 10:08:45 PM
rl164$50.00$50.004/23/2010 6:28:35 AM
godspeed237$25.00$25.004/23/2010 6:49:10 AM
Ogerta$25.00$25.004/23/2010 7:09:22 AM
nalaari$56.08$56.084/23/2010 6:10:17 AM
mustang9935$35.00$35.004/23/2010 6:12:23 AM
economy-popcorn$25.00$25.004/23/2010 6:14:27 AM
B1$49.80$49.804/23/2010 8:53:26 AM
shrewd-income$100.00$100.004/23/2010 8:56:57 AM
crdcteng$25.00$25.004/23/2010 10:04:22 AM
FoosMaster$25.00$25.004/23/2010 8:39:21 AM
LittleMingo$27.76$27.764/23/2010 10:23:17 AM
FOFagent1$200.00$200.004/23/2010 10:51:41 AM
poolfan$100.00$100.004/23/2010 11:09:27 AM
persistent-income2$50.00$50.004/23/2010 9:50:53 AM
mex_invests$25.00$25.004/23/2010 1:08:39 PM
cash-spinner$25.00$25.004/23/2010 1:43:37 PM
shrewd-peace7$30.00$30.004/23/2010 1:51:54 PM
Your_Bank$50.00$50.004/23/2010 3:36:08 PM
natural-credit328$50.00$50.004/23/2010 3:59:46 PM
shrewd-income$51.74$51.744/23/2010 2:22:17 PM
p2ploan-sensation211$50.00$50.004/23/2010 4:04:53 PM
Dopplerbob$30.34$30.344/23/2010 3:58:43 PM
276 bids
 
Borrower Payment Dependent Notes Series 454454
This series of Notes was issued and sold upon the funding of the borrower loan #42081, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Apr-16-2010 
  Auction end date:  Apr-23-2010 
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $94.67
Final lender yield: 7.30% Final borrower rate/APR: 8.30% / 8.64% Final monthly payment: $94.42
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:0y 5m
Credit score: 800-819 (Apr-2010) Total credit lines: 27 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $10,660Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: K-Start Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Self-Employment Tax
Purpose of loan:
This loan will be used to consolidate some credit card debt, including the portion used to pay 2009 self-employed income tax.

My financial situation: is stable with two solid consulting contracts and a growing network of potential clients.
I am a good candidate for this loan because my husband and I both have paying business clients. He and his business partner have been running their LLC "in the black" since 2005. My self-employment is separate and not dependent on his clients. We have over $20,000 in untapped home equity and no children. One car is paid off and the other has only 11 months remaining. It's just tough for small-scale entrepreneurs to get bank 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)
kenji4861$50.00$50.004/16/2010 4:17:30 PM
KandKLegacyInvestments$25.00$25.004/16/2010 4:17:15 PM
iolaire$25.00$25.004/16/2010 4:14:11 PM
radforj22$25.00$25.004/16/2010 4:14:59 PM
evnagelist$25.00$25.004/16/2010 4:15:34 PM
gain-seagull9$25.00$25.004/16/2010 4:16:19 PM
meux99$25.00$25.004/16/2010 4:17:38 PM
mtp$50.00$50.004/16/2010 4:21:32 PM
truth-image$50.00$50.004/16/2010 4:19:24 PM
peerlender$30.00$30.004/16/2010 4:21:20 PM
TakeCare$50.00$50.004/16/2010 4:32:37 PM
contract-eagle$25.00$25.004/16/2010 4:32:51 PM
Barak$40.00$40.004/16/2010 4:29:10 PM
LoanAngel$25.00$25.004/16/2010 4:36:48 PM
Daneistes$100.00$100.004/16/2010 4:37:06 PM
Supernick$50.00$50.004/16/2010 4:32:27 PM
bright-balance$25.00$25.004/16/2010 4:32:05 PM
Thunderswan$30.22$30.224/16/2010 4:39:04 PM
schpere$25.00$25.004/16/2010 4:35:22 PM
Coarch$25.00$25.004/16/2010 4:39:59 PM
ahansen$25.00$25.004/16/2010 4:53:36 PM
auction-turbine4$50.00$50.004/16/2010 4:55:57 PM
maldok1$25.00$25.004/16/2010 4:56:01 PM
ToloUSN$50.00$50.004/21/2010 8:04:09 PM
BrighterSuns$25.00$25.004/22/2010 7:57:43 AM
gjm6d$25.00$25.004/22/2010 4:57:50 PM
radiant-cash0$25.00$25.004/23/2010 4:27:21 AM
natural-affluence4$25.00$25.004/23/2010 9:05:59 AM
paul1$55.00$55.004/23/2010 10:57:04 AM
indomart$66.80$66.804/23/2010 10:34:39 AM
wild-orange$100.00$100.004/23/2010 2:28:58 PM
lagnisiruk$25.00$25.004/16/2010 4:19:58 PM
authoritative-capital$25.00$25.004/16/2010 4:15:29 PM
red-trade-cologne$25.00$25.004/16/2010 4:15:40 PM
TheMan$25.00$25.004/16/2010 4:18:40 PM
antlr$25.00$25.004/16/2010 4:19:31 PM
nickel-ferret$25.00$25.004/16/2010 4:26:52 PM
bowdish1$100.00$100.004/16/2010 4:21:39 PM
delicious-social132$40.00$40.004/16/2010 4:27:23 PM
fortytwo$100.00$100.004/16/2010 4:20:37 PM
meenan$25.00$25.004/16/2010 4:29:01 PM
Ivan2007$25.00$25.004/16/2010 4:21:04 PM
mrzz$25.00$25.004/16/2010 4:21:17 PM
fantastic-openness$50.00$50.004/16/2010 4:31:27 PM
HHP$25.00$25.004/16/2010 4:31:49 PM
Havana21$50.00$50.004/16/2010 4:34:15 PM
careful-note$50.00$50.004/16/2010 4:29:17 PM
Tai$25.00$25.004/16/2010 4:38:39 PM
tenacious-compassion9$30.00$30.004/16/2010 4:29:45 PM
skuba$25.00$25.004/16/2010 4:30:25 PM
magical-greenback$25.00$25.004/16/2010 4:31:08 PM
codavee$50.00$50.004/16/2010 4:31:32 PM
tender-integrity3$50.00$50.004/16/2010 4:32:32 PM
DonaldColorado$25.00$25.004/16/2010 4:32:45 PM
versatile-platinum4$25.00$25.004/16/2010 4:54:10 PM
WHEREISTHEMOON$25.00$25.004/16/2010 4:37:44 PM
proton346$25.00$25.004/16/2010 4:55:56 PM
ideal-penny8$25.00$2.984/16/2010 4:56:03 PM
bonus-adventure3$50.00$50.004/16/2010 4:35:09 PM
heavenly-repayment4$25.00$25.004/16/2010 4:53:18 PM
kindness-percolator5$25.00$25.004/16/2010 4:39:51 PM
bjmazur$25.00$25.004/16/2010 4:55:54 PM
credit-force5$25.00$25.004/16/2010 4:56:00 PM
inspired-contract9$50.00$50.004/16/2010 4:55:58 PM
neighborly-power8$100.00$100.004/18/2010 7:43:39 AM
octoberfresh$25.00$25.004/18/2010 12:11:59 PM
truth-trapper$25.00$25.004/18/2010 8:03:51 PM
TheWainer$25.00$25.004/19/2010 10:29:22 AM
FLFF$50.00$50.004/20/2010 3:19:51 PM
MikeSeattle$25.00$25.004/20/2010 8:17:13 PM
2grindstones$25.00$25.004/21/2010 9:29:42 AM
Catalina_Enterprises$50.00$50.004/22/2010 4:12:32 PM
RichMaker1$50.00$50.004/22/2010 7:22:32 PM
PotBellyPete$25.00$25.004/22/2010 7:48:10 PM
Bodyboard$30.00$30.004/23/2010 5:47:14 AM
FoosMaster$25.00$25.004/23/2010 8:40:03 AM
socal-lender$25.00$25.004/23/2010 10:07:05 AM
Spring342$25.00$25.004/23/2010 10:56:37 AM
funds-rascal$100.00$100.004/23/2010 10:49:35 AM
JerryB96$25.00$25.004/23/2010 12:19:54 PM
FundMaker$25.00$25.004/23/2010 2:38:11 PM
81 bids
 
Borrower Payment Dependent Notes Series 454674
This series of Notes was issued and sold upon the funding of the borrower loan #42020, 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:  Apr-19-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $82.06
Final lender yield: 26.38% Final borrower rate/APR: 27.38% / 29.72% Final monthly payment: $82.06
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
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-1985 Debt/Income ratio: 16%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:9y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 9 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,826Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: upright-nickel7 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
Upgrade Bathroom
Purpose of loan:
This loan will be used to? Upgrade my bathroom

My financial situation:
I am a good candidate for this loan because? My credit score is 690 plus, i own my own home, and have been on my job for ten years.?? I have been at my address since 1995.? I owner financed my place?for several years, then??i went to Bank of America and financed with them.? A year ago i refinanced with Bank of America because the rate was better.? I? received cash back for home improvements, and in this market that is not easy to do.? If i am? a risk, the bank would not give me cash back.? I currently have 42,000 of equity in my place.? I did renovations to my place, but i calculated wrong and i am still a little short to upgrade my bathroom. I had a bankruptcy 8 years ago, and since then have built my credit up,?leased 3 cars , and received a home loan.? I have no reason not? to pay this loan back. I have 2 credit cards and have never been late..? I have never been late with my car payments or my mortage.?? Prosper can verify this because they ran my credit report.? I'm just looking for a loan to make my place a better home.? Chase lowered my? credit limit-formerly Washington Mutual, as they did to thousands of customers, even though i was never late.? This is why i'm close to my limit.? I had a 10,000 limit but was lowered to my current balance, this did effect my credit score.? I was approved previously with prosper, but did not like the rate,? i withdrew.? Prosper?rated me a D, i don't know why.?Its hard to convey that i'm wothy. but i have 8 years of never being late with anything.? So here i am again, i guess if i want the loan i have to pay this higher rate.
Monthly net income: $ 2743.00

Monthly expenses: $ 1842.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
finance-prescription$50.00$50.004/19/2010 11:31:48 AM
frogperson$100.00$14.594/20/2010 9:06:12 AM
Unitas4302$50.00$50.004/20/2010 4:37:16 AM
transaction-circuit$25.00$25.004/20/2010 9:32:38 AM
FinDoc$25.00$25.004/20/2010 5:36:57 PM
DasMula$25.00$25.004/22/2010 10:33:10 PM
b-rent$25.00$25.004/23/2010 5:01:59 PM
Bob450$50.00$50.004/23/2010 9:18:10 PM
EretzCapital$50.00$50.004/25/2010 8:09:33 AM
onecooldrink$25.00$25.004/25/2010 11:22:58 AM
houli123$200.41$200.414/25/2010 1:30:17 PM
wonder3$25.00$25.004/25/2010 2:25:38 PM
cashhelp$25.00$25.004/26/2010 7:38:05 AM
Whipster$25.00$25.004/26/2010 7:38:24 AM
market-pudding$25.00$25.004/26/2010 7:47:38 AM
umfan123$25.00$25.004/26/2010 7:12:41 AM
zone6$50.00$50.004/26/2010 9:01:13 AM
farchoir$25.00$25.004/26/2010 9:06:06 AM
loan-fate$50.00$50.004/26/2010 7:38:23 AM
zone6$50.00$50.004/26/2010 9:01:42 AM
ttnk62918$25.00$25.004/26/2010 10:44:47 AM
The-CAPS-fan$25.00$25.004/26/2010 9:10:52 AM
glenium$25.00$25.004/26/2010 10:56:54 AM
daekpon$25.00$25.004/19/2010 12:00:46 PM
brilliant-balance$25.00$25.004/21/2010 7:12:43 PM
DasMula$25.00$25.004/22/2010 10:32:39 PM
DasMula$25.00$25.004/22/2010 10:32:57 PM
Bob450$25.00$25.004/23/2010 9:19:32 PM
nickel-position$25.00$25.004/24/2010 1:49:41 AM
Your_Bank$35.00$35.004/24/2010 2:37:54 PM
principal-star$25.00$25.004/25/2010 8:39:36 PM
zone6$50.00$50.004/26/2010 9:00:54 AM
ultimate-peace$600.00$600.004/26/2010 7:29:49 AM
zone6$50.00$50.004/26/2010 9:36:55 AM
juxtapose$25.00$25.004/26/2010 9:49:23 AM
persistent-income2$50.00$50.004/26/2010 10:32:51 AM
VTXRider$25.00$25.004/26/2010 10:44:28 AM
mercuriant$25.00$25.004/26/2010 10:47:31 AM
reflective-rupee$25.00$25.004/26/2010 9:10:49 AM
greekgst99$25.00$25.004/26/2010 9:35:25 AM
40 bids
 
Borrower Payment Dependent Notes Series 454778
This series of Notes was issued and sold upon the funding of the borrower loan #42078, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Apr-19-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $655.98
Final lender yield: 31.32% Final borrower rate/APR: 32.32% / 34.73% Final monthly payment: $655.98
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1989 Debt/Income ratio: 10%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:4y 7m
Credit score: 720-739 (Mar-2010) Total credit lines: 23 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $17,672Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Moe-Szyslak Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
760-779 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying Taxes ands Student Loans
I'm creating this listing to pay off a IRS bill
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)
tntmojave$25.00$25.004/19/2010 11:29:13 AM
finance-prescription$50.00$50.004/19/2010 11:31:50 AM
frugalinvestor20$25.00$25.004/19/2010 11:54:15 AM
ekmendenhall$35.00$35.004/19/2010 12:19:49 PM
selector568$75.62$75.624/19/2010 1:38:16 PM
LenderExtraordinaire$25.00$25.004/19/2010 12:26:14 PM
iolaire$25.00$25.004/19/2010 7:27:48 PM
SolarMoonshine$25.00$25.004/20/2010 6:10:00 PM
MoneyForNothing$25.00$25.004/20/2010 7:11:51 PM
new-peso-concerto$37.37$37.374/21/2010 10:53:41 AM
bdruss$25.00$25.004/21/2010 1:14:08 PM
ChrisKwan$25.00$25.004/21/2010 5:26:23 PM
smart-gain$50.00$50.004/22/2010 12:20:18 PM
greenback-catapult3$50.00$50.004/22/2010 4:39:14 PM
Tono$30.00$30.004/22/2010 4:25:45 PM
Jinja$30.98$30.984/22/2010 4:35:22 PM
TakeCare$200.00$200.004/23/2010 7:27:16 AM
Skeptical-one$25.00$25.004/23/2010 8:45:05 AM
DasMula$25.00$25.004/23/2010 9:47:17 AM
DasMula$25.00$25.004/23/2010 9:46:48 AM
Kqwik$50.00$50.004/23/2010 2:44:47 PM
Aberdeen$400.00$400.004/23/2010 3:47:38 PM
Prairie-MN$30.00$30.004/23/2010 4:53:04 PM
loss-of-control$50.00$50.004/23/2010 5:18:50 PM
Bob450$49.00$49.004/23/2010 9:28:55 PM
Your_Bank$400.00$400.004/24/2010 2:45:41 PM
lendstats_com$52.44$52.444/25/2010 12:56:04 AM
thomas16882004$50.00$50.004/25/2010 1:42:10 AM
capital-deployment$25.00$25.004/24/2010 4:46:45 PM
vigilance-searcher$25.00$25.004/25/2010 8:30:16 PM
Marfloogan$25.00$25.004/25/2010 9:06:12 PM
maschinenbau$25.00$25.004/25/2010 11:33:18 AM
Bob450$26.00$26.004/25/2010 6:28:18 PM
rate-hickory$25.00$25.004/26/2010 6:23:14 AM
sjo1984111$25.00$25.004/25/2010 7:57:11 PM
113121$5,000.00$5,000.004/26/2010 7:09:24 AM
umfan123$25.00$25.004/26/2010 7:10:48 AM
lostviajero$25.00$25.004/26/2010 7:12:11 AM
loan-fate$50.00$50.004/26/2010 7:12:33 AM
patriot384$50.00$50.004/26/2010 7:17:41 AM
dynrep$25.00$25.004/26/2010 7:57:19 AM
exciting-fairness$200.00$200.004/26/2010 8:02:26 AM
credit-missile$75.00$75.004/26/2010 8:56:53 AM
bold-direct-asset$25.00$25.004/26/2010 9:05:22 AM
patriot384$50.00$50.004/26/2010 7:18:18 AM
77scout$62.84$62.844/26/2010 10:36:55 AM
martymaniaman$50.00$50.004/26/2010 7:55:50 AM
credit-missile$75.00$75.004/26/2010 10:45:49 AM
Ogerta$3,700.00$3,700.004/26/2010 10:51:21 AM
a_falk22$25.00$25.004/26/2010 11:00:36 AM
leverage-monger$49.90$49.904/26/2010 9:11:22 AM
natural-credit328$175.00$175.004/26/2010 10:52:26 AM
Nerdster1$25.01$25.014/26/2010 11:12:40 AM
tntmojave$25.00$25.004/19/2010 11:46:48 AM
tntmojave$25.00$25.004/19/2010 11:46:52 AM
reflective-rupee$5,000.00$556.444/19/2010 12:10:17 PM
mercuriant$25.00$25.004/19/2010 12:26:26 PM
pemb0023$25.00$25.004/19/2010 4:04:37 PM
pemb0023$25.00$25.004/19/2010 4:04:23 PM
850$50.00$50.004/19/2010 11:12:56 PM
market-pudding$25.00$25.004/20/2010 12:48:08 AM
frogperson$100.00$100.004/20/2010 9:04:59 AM
drcoop$25.00$25.004/20/2010 12:55:29 PM
cognizant-rate732$50.00$50.004/20/2010 5:32:10 PM
BradP$50.00$50.004/20/2010 5:54:01 PM
Ogerta$300.00$300.004/22/2010 4:35:34 PM
pemb0023$50.00$50.004/22/2010 6:43:30 PM
SeaSkyGuy71$25.00$25.004/23/2010 6:30:42 AM
TakeCare$100.00$100.004/23/2010 7:26:55 AM
DasMula$25.00$25.004/23/2010 9:47:03 AM
well-mannered-income3$200.00$200.004/23/2010 3:22:41 PM
ptjg$25.00$25.004/23/2010 4:56:48 PM
vest_vortex$50.00$50.004/23/2010 5:09:01 PM
leverage-monger$25.00$25.004/24/2010 9:10:18 AM
Your_Bank$200.00$200.004/24/2010 2:45:18 PM
jojofrankie$25.00$25.004/24/2010 6:57:51 AM
unclerock$50.00$50.004/25/2010 3:59:28 AM
sturdy-peace9$75.00$75.004/25/2010 8:07:46 PM
SFBank$36.98$36.984/25/2010 7:05:28 PM
bold-attentive-listing$52.42$52.424/26/2010 12:19:51 AM
well-mannered-income3$75.00$75.004/25/2010 8:27:02 PM
cashhelp$25.00$25.004/26/2010 7:09:45 AM
Whipster$25.00$25.004/26/2010 7:14:48 AM
patriot384$50.00$50.004/26/2010 7:17:13 AM
lendstats_com$25.00$25.004/25/2010 11:34:11 PM
ultimate-peace$100.00$100.004/26/2010 7:36:18 AM
monstersdad$50.00$50.004/26/2010 7:37:55 AM
worthy-bid4$25.00$25.004/26/2010 8:07:29 AM
chameleon125$50.00$50.004/26/2010 8:08:58 AM
jhouman$25.00$25.004/26/2010 8:41:18 AM
twjh$25.00$25.004/26/2010 7:14:56 AM
patriot384$50.00$50.004/26/2010 7:16:45 AM
credit-missile$75.00$75.004/26/2010 10:22:39 AM
credit-missile$75.00$75.004/26/2010 10:44:21 AM
Kash2010lu$25.00$25.004/26/2010 8:47:55 AM
greekgst99$50.00$50.004/26/2010 9:36:08 AM
grnii78$250.00$250.004/26/2010 10:08:22 AM
97 bids
 
Borrower Payment Dependent Notes Series 454792
This series of Notes was issued and sold upon the funding of the borrower loan #42014, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 33.99% Starting borrower rate/APR: 34.99% / 37.44% Starting monthly payment: $203.54
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 33.39% Final monthly payment: $193.51
 
Auction yield range: 8.04% - 33.99% Estimated loss impact: 7.23%  
Lender servicing fee: 1.00% Estimated return: 22.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1997 Debt/Income ratio: 37%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 32 / 30Length of status:11y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 118 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $47,581Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: helpin_u_out 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
Consolidating Debt
Purpose of loan:
This purpose of this loan will be to pay off a few high interest debts.??I have just secured a part time job at the local hardware store and am going to be focusing on paying debt off.? I am so tired of these credit card companies and I just want to be done with them TOTALLY.? I please ask you to put your faith in me!? I honestly and faithfully guarantee you will not be disappointed with me.? ANY INFORMATION YOU MAY WANT I WILL EMAIL YOU TO SUPPORT MY CASE.?

My financial situation:
The public record that appears is a BK filed in 10/05.? We were in some hard times, my wife lost her job (medical related)?and we had high medical bills that needed to be paid from a bad, bad, miscarriage.? We are over that and have 2 beautiful girls! Our lawyer told us to file in fast because the BK laws were changing and we would have difficulty filing in the future, so we just did it.? Thank you one and all - I will not let you down!!

Monthly net income: $ 4719.00 (not including?2nd job?or wife's income ($2200)

Monthly expenses: $
??Housing: $?1700
??Insurance: $ 160
??Car expenses: $?700
??Utilities: $ 300
??Phone, cable, internet: $?100
??Food, entertainment: $?500
??Clothing, household expenses $ 100
??Credit cards and other loans: $?750
??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
Q: see my page please. - Tono
A: MONTHLY EXPENSES - $4400, even though they are my family's monthly expenses, my wife's income is not reported, it is $2200 additional! (Apr-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rhin0cerx$50.00$50.004/20/2010 4:24:01 PM
caseattle$25.00$25.004/20/2010 4:38:30 PM
oath163$25.00$25.004/20/2010 4:57:19 PM
increase720$100.00$100.004/20/2010 8:27:52 PM
Myrick$25.00$25.004/21/2010 4:19:16 AM
flyinhawaiian$32.65$32.654/21/2010 10:42:32 AM
market-pudding$25.00$25.004/21/2010 2:17:35 PM
CommerciaLender$25.00$25.004/22/2010 6:45:15 AM
meers2000$25.00$25.004/22/2010 3:55:26 PM
Virtuallending$50.00$50.004/22/2010 5:25:36 PM
best-listing-toro$25.00$25.004/23/2010 6:16:43 AM
DasMula$25.00$25.004/23/2010 10:03:16 AM
wise-silver-wonder$25.00$25.004/23/2010 9:41:17 AM
Rogesparkguy$25.00$25.004/23/2010 7:18:47 PM
Bank_Of_XL$50.00$50.004/24/2010 7:58:11 AM
Bob450$75.00$75.004/26/2010 11:50:01 AM
Your_Bank$25.00$25.004/26/2010 1:35:40 PM
transparent-revenue$25.00$25.004/26/2010 12:03:47 PM
tcbmc$25.00$25.004/26/2010 1:03:22 PM
tnjohnso$25.00$25.004/26/2010 12:09:04 PM
generosity-berserker$25.00$25.004/26/2010 4:21:23 PM
the-serene-transaction$25.00$25.004/26/2010 4:10:46 PM
reflective-rupee$200.00$200.004/26/2010 4:27:11 PM
rinyt$30.00$30.004/26/2010 5:12:19 PM
admirable-credit$25.00$25.004/26/2010 6:52:42 PM
Kqwik$36.40$36.404/26/2010 8:29:16 PM
Rip128$100.00$100.004/27/2010 7:17:11 AM
steady-dime$50.00$50.004/27/2010 7:44:18 AM
SunriseTrader1$50.00$50.004/27/2010 5:23:28 AM
umfan123$25.00$25.004/27/2010 7:08:34 AM
Evolver$100.00$100.004/27/2010 7:23:04 AM
IASKGOD$35.00$35.004/27/2010 7:45:00 AM
Gobsek$25.00$25.004/26/2010 8:23:55 PM
umfan123$25.00$25.004/27/2010 7:08:19 AM
umfan123$25.00$25.004/27/2010 7:52:33 AM
Skeptical-one$25.00$25.004/27/2010 8:11:37 AM
credit-coach118$45.00$45.004/27/2010 8:43:30 AM
realtormoises$25.00$25.004/27/2010 9:40:35 AM
Pu239$60.00$60.004/27/2010 10:02:45 AM
SouthernRemarketing$25.00$25.004/27/2010 10:33:07 AM
bbeeler$325.69$325.694/27/2010 11:59:27 AM
Leshan$25.00$25.004/27/2010 12:00:52 PM
MilitaryAV8R$25.00$25.004/27/2010 1:29:09 PM
bmw2$60.00$60.004/27/2010 1:32:02 PM
special-rupee$25.00$25.004/27/2010 2:31:13 PM
Frosty$25.00$25.004/27/2010 3:26:47 PM
Hatdance$25.00$25.004/27/2010 3:15:06 PM
vigilance-searcher$25.00$25.004/27/2010 12:05:31 PM
patriot384$70.00$70.004/27/2010 4:05:08 PM
payout-bridge$213.97$213.974/27/2010 4:08:16 PM
sgt-schultz$50.00$50.004/27/2010 4:05:48 PM
LoanerPrincipal$75.00$75.004/27/2010 4:07:39 PM
CyberCapital$25.00$25.004/20/2010 4:23:04 PM
OTRjohn$75.00$75.004/21/2010 2:53:10 PM
rgryoung20$25.00$25.004/22/2010 8:20:20 AM
Sagenius$25.00$25.004/22/2010 5:10:52 PM
niggard$25.00$25.004/23/2010 6:48:11 AM
authoritative-capital$25.00$25.004/23/2010 4:31:27 PM
duty-monger$50.00$50.004/24/2010 5:58:51 AM
CTG_JaQ$70.99$70.994/25/2010 5:48:48 PM
puyanera$25.00$25.004/26/2010 12:11:13 PM
cocobear$25.00$25.004/26/2010 12:56:42 PM
Your_Bank$25.00$25.004/26/2010 1:35:06 PM
Your_Bank$25.00$25.004/26/2010 1:34:38 PM
investment-visionary$35.85$35.854/26/2010 3:13:36 PM
dynrep$50.00$50.004/26/2010 1:26:05 PM
Your_Bank$25.00$25.004/26/2010 1:35:59 PM
top-courteous-peso$25.00$25.004/26/2010 4:28:53 PM
elegant-loot$25.00$25.004/26/2010 4:30:57 PM
Karey$25.00$25.004/26/2010 3:16:56 PM
Tono$25.00$25.004/26/2010 4:54:14 PM
johnrx$50.00$50.004/26/2010 8:09:32 PM
Get56$25.00$25.004/27/2010 4:41:36 AM
NekHoldings$25.00$25.004/27/2010 5:26:02 AM
gothampark$25.00$25.004/26/2010 4:49:28 PM
mckhbnpc$30.00$30.004/27/2010 8:59:51 AM
MrOglesby$25.00$25.004/27/2010 9:00:53 AM
justice-disk$25.00$25.004/27/2010 8:54:41 AM
peso-miser$25.00$25.004/26/2010 8:49:41 PM
jerrymaguire$52.19$52.194/27/2010 3:40:44 AM
Galdis$25.00$25.004/27/2010 4:51:51 AM
RecoveryLender$27.00$27.004/27/2010 7:01:34 AM
Bekim$31.00$31.004/27/2010 7:29:58 AM
NutmegFilms$25.00$24.664/27/2010 9:20:15 AM
Kash2010lu$25.00$25.004/27/2010 9:46:37 AM
booOST$82.81$82.814/27/2010 9:56:30 AM
gelt4u$25.00$25.004/27/2010 10:09:18 AM
investment-cluster$25.00$25.004/27/2010 12:38:03 PM
bobnewt$100.00$100.004/27/2010 1:16:55 PM
thisbucksforu$30.00$30.004/27/2010 1:18:53 PM
sevenbridges$169.49$169.494/27/2010 2:52:33 PM
jhernand17$25.00$25.004/27/2010 11:05:09 AM
genuine-euro9$25.00$25.004/27/2010 2:56:06 PM
Prairie-MN$30.00$30.004/27/2010 3:12:21 PM
capthouls$25.00$25.004/27/2010 4:05:47 PM
YoungTaxMan$150.00$150.004/27/2010 4:07:08 PM
capital-kingdom$50.00$50.004/27/2010 4:06:11 PM
five-star-bonus6$50.00$50.004/27/2010 4:08:53 PM
Gregger$32.30$32.304/27/2010 1:47:01 PM
amra$25.00$25.004/27/2010 2:02:43 PM
100 bids
 
Borrower Payment Dependent Notes Series 454794
This series of Notes was issued and sold upon the funding of the borrower loan #42217, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Apr-19-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $30.94
Final lender yield: 5.00% Final borrower rate/APR: 6.00% / 6.34% Final monthly payment: $30.42
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.59%  
Lender servicing fee: 1.00% Estimated return: 4.41%  
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-1997 Debt/Income ratio: 3%
Basic (1-10): 10 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:1y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 10 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: octal Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 86% ) 720-739 (Latest)
Principal borrowed: $1,500.00< mo. late: 2 ( 14% )  
580-599 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Using prosper to build credit
Purpose of loan:
I have a limited credit history, mainly due to being in Iraq/Afghanistan for much of the past several years.? In order to get my credit score up, I'd like to take multiple installment loans (Prosper, credit unions) for small amounts, 1 year duration, and pay them off successfully.? I will most likely leave the money in my checking account for the duration of the loan.

I want to buy a house in the next few years, so I am investing the time and energy (and fee/interest money) now, to try to get my score from ~720 to >760.

My financial situation:
I am a good candidate for this loan because I do not need the money from the loan!? I can pay the loan at any time out of savings.? I am just doing this to build a positive credit tradeline.? I have a job which pays very well, plus savings.
Information in the Description is not verified.
Friends And Family Winning Bids
jpaulnyc has bid a total of $564.11 in winning bids.
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jpaulnyc$64.11$64.114/19/2010 4:35:41 PM
jpaulnyc$500.00$500.004/19/2010 5:02:34 PM
marwadi-62$25.00$25.004/24/2010 8:18:42 PM
catalystcf$25.00$25.004/26/2010 1:00:11 PM
all_of_that_one$25.00$25.004/26/2010 3:22:57 PM
Young-Y$107.32$2.404/26/2010 4:06:18 PM
etherichands$25.00$25.004/20/2010 6:48:49 PM
cebgop$25.00$25.004/22/2010 2:25:00 AM
Gandalf0001$50.00$50.004/24/2010 11:35:28 AM
billquality$114.26$114.264/24/2010 3:48:26 PM
widowsmite$69.23$69.234/24/2010 6:04:02 PM
martymaniaman$25.00$25.004/26/2010 8:11:00 AM
hilsoon$25.00$25.004/26/2010 12:01:28 PM
BankofRa$25.00$25.004/26/2010 1:29:55 PM
14 bids
 
Borrower Payment Dependent Notes Series 454798
This series of Notes was issued and sold upon the funding of the borrower loan #42181, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $102.57
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $101.06
 
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-1977 Debt/Income ratio: 11%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 2Length of status:13y 0m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: noelle144 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 97% ) 700-719 (Latest)
Principal borrowed: $1,200.00< mo. late: 1 ( 3% )  
660-679 (Oct-2007)
 
Principal balance: $280.38 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
medical bills
Purpose of loan:i would like to pay off a medical bill, after surgery my insurance only paid very little on anesthesia bill. i would like to pay this off and be finished paying, instead of the monthly payments.? i do like the fact the it comes out of my checking acct. through your co. and is taken care of each month.? i have like using the company before and have paid back first loan,? just wanted to take care of another medical bill.
(explain what you will be using this loan for) to pay medical bill for a recent surgery on my foot.? insurance paid 50% the rest is mine.? i would like to get this paid off as fast as possible instead of draging it out for several months

My financial situation: i have a job, some can't say that these days, the co. i work for does well and ireally like what i'm doing.? i am able to repay the loan.
(explain why you are a good candidate for paying back this loan) repaying the loan is no problem i just need to money up front to get the bills taken of

Monthly net income: $ 1000.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 175.00
??Car expenses: $ 150.00
??Utilities: $ 100.00
??Phone, cable, internet: $
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 0
??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: you wiped out 10k in debt? in couple of years? that's prety impressive. can you please explain about your situation if you only make 20k a year? - allbalooboy2
A: i had an aunt die, and left me a little bit of money. i used the money to pay off debt then had the surgery, and insurance didn't pay what i thought they would. (Apr-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loan-gatherer$25.00$25.004/20/2010 4:19:05 PM
oreyedoc$25.00$25.004/20/2010 4:20:01 PM
treasure-generator$25.00$25.004/20/2010 4:19:36 PM
xzec777$25.00$18.864/20/2010 4:20:58 PM
israel15$25.00$25.004/20/2010 4:10:43 PM
codybraxton$25.00$25.004/20/2010 4:18:27 PM
irrelevant$25.00$25.004/20/2010 4:31:43 PM
reflective-rupee$250.00$250.004/20/2010 11:41:10 PM
frogperson$100.00$100.004/21/2010 8:53:14 AM
Bob450$75.00$75.004/22/2010 8:41:55 PM
Ogerta$50.00$50.004/23/2010 7:23:13 AM
loss-of-control$25.00$25.004/24/2010 7:11:58 PM
marwadi-62$40.00$40.004/24/2010 8:20:47 PM
five-star-note$50.00$50.004/24/2010 5:59:51 PM
skillful-asset5$30.00$30.004/25/2010 8:44:27 PM
umfan123$25.00$25.004/26/2010 7:08:30 AM
serene-capital$25.00$25.004/26/2010 11:45:30 AM
wise-courageous-social$25.00$25.004/26/2010 4:23:11 PM
TNG812$25.00$25.004/26/2010 4:50:42 PM
dRatedOnly$25.00$25.004/26/2010 6:22:16 PM
msmlender$27.58$27.584/27/2010 5:52:22 AM
Wachocia$25.00$25.004/26/2010 8:37:25 PM
AlphaInternational$25.00$25.004/26/2010 11:10:54 PM
Bekim$29.99$29.994/27/2010 7:30:33 AM
Pu239$60.00$60.004/27/2010 10:04:38 AM
Snoopylover$25.00$25.004/27/2010 10:49:23 AM
ultimate-peace$100.00$100.004/27/2010 1:50:17 PM
dmh4880$30.83$30.834/20/2010 4:20:56 PM
BGILlender$25.00$25.004/20/2010 4:19:58 PM
finance-prescription$50.00$50.004/20/2010 4:28:08 PM
daekpon$25.00$25.004/20/2010 4:37:15 PM
twjh$25.00$25.004/20/2010 4:38:47 PM
UCLA4life$25.00$25.004/20/2010 5:33:00 PM
ttnk62918$25.00$25.004/22/2010 7:44:37 PM
Sackmaster$25.00$25.004/22/2010 11:28:12 PM
jpblan11$25.29$25.294/23/2010 4:25:10 PM
loss-of-control$50.00$50.004/23/2010 5:48:48 PM
Your_Bank$50.00$50.004/25/2010 11:09:52 AM
charitycoon$25.00$25.004/25/2010 11:38:06 AM
vigilance-searcher$25.00$25.004/25/2010 8:26:38 PM
tcbmc$25.00$25.004/26/2010 1:04:06 PM
jhouman$25.00$25.004/26/2010 4:30:16 PM
scroooge$25.00$25.004/26/2010 4:39:10 PM
enthusiastic-balance5$100.00$100.004/26/2010 3:14:26 PM
Kash2010lu$25.00$25.004/26/2010 6:24:11 PM
patriot384$180.00$180.004/26/2010 9:19:29 PM
Mikale360$25.00$25.004/27/2010 12:19:34 AM
glenium$25.00$25.004/27/2010 3:40:43 AM
autoconnection$32.45$32.454/27/2010 4:37:43 AM
farchoir$25.00$25.004/27/2010 6:42:15 AM
Skeptical-one$25.00$25.004/27/2010 8:12:01 AM
Gandalf0001$25.00$25.004/26/2010 7:26:41 PM
allbalooboy2$25.00$25.004/26/2010 9:19:41 PM
us957165$25.00$25.004/27/2010 12:41:56 PM
autumn_leaves$50.00$50.004/27/2010 3:27:45 PM
YoungTaxMan$250.00$250.004/27/2010 3:53:51 PM
56 bids
 
Borrower Payment Dependent Notes Series 454822
This series of Notes was issued and sold upon the funding of the borrower loan #41993, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $30.94
Final lender yield: 6.05% Final borrower rate/APR: 7.05% / 7.39% Final monthly payment: $30.90
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
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-2005 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 2m
Credit score: 760-779 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mwichmann4 Borrower's state: Wisconsin Borrower's group: STUDENT AND EDUCATIONAL LOANS
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: 25 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
720-739 (Jan-2010)
700-719 (Sep-2009)
700-719 (Dec-2006)
700-719 (Nov-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Internet Business with Cash Flow
The purpose of this loan is to help me quickly purchase an internet business that has a current cash flow of $300 per month.
I plan on repaying this loan within 6 months. I have 6 years of experience in Internet Marketing and currently work in the field.
I am going to use some of the cash flow and my own money to pay this loan off quickly.

If you would like a fast return, please bid on this loan. I have already successfully paid off a larger prosper loan in the past so I am very creditable.

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)
MoneyForNothing$25.00$25.004/20/2010 7:09:06 PM
SpotLending$50.00$50.004/20/2010 8:25:15 PM
springpanda$25.00$25.004/21/2010 1:47:00 PM
Grimmreaper$25.00$25.004/23/2010 6:31:46 AM
springpanda$25.00$25.004/23/2010 2:01:21 PM
REITRUST$25.00$25.004/26/2010 7:18:43 PM
Dollars4Rent$25.00$25.004/26/2010 8:24:35 PM
Dollars4Rent$25.00$25.004/26/2010 8:25:00 PM
widowsmite$50.00$50.004/26/2010 10:58:44 PM
loanman2007$75.00$75.004/27/2010 5:36:35 AM
frankandirene$25.00$25.004/27/2010 9:36:35 AM
Spkthewrd3$25.00$25.004/27/2010 10:08:49 AM
Bonplay$25.00$25.004/27/2010 3:00:36 PM
octoberfresh$25.00$25.004/21/2010 7:34:30 AM
julijask$35.00$35.004/23/2010 1:10:04 PM
GreenHill$25.00$25.004/23/2010 11:54:49 PM
JDLanier$25.00$25.004/26/2010 12:22:34 PM
neighborly-power8$50.00$7.704/26/2010 3:24:48 PM
finance-burger$25.00$25.004/26/2010 4:20:00 PM
availableloan$25.00$25.004/26/2010 5:59:15 PM
justice-disk$25.00$25.004/27/2010 8:55:53 AM
itsmaj$57.30$57.304/27/2010 5:05:53 AM
sunny1985$25.00$25.004/27/2010 9:35:21 AM
AsianDragon$50.00$50.004/27/2010 10:29:04 AM
natedog666$200.00$200.004/27/2010 11:38:04 AM
wam37$50.00$50.004/27/2010 1:41:13 PM
26 bids
 
Borrower Payment Dependent Notes Series 454858
This series of Notes was issued and sold upon the funding of the borrower loan #42072, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 28.03% Final borrower rate/APR: 29.03% / 33.03% Final monthly payment: $41.92
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 26.63%  
Lender servicing fee: 1.00% Estimated return: 1.40%  
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-1993 Debt/Income ratio: 11%
Basic (1-10): 3 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 6Length of status:16y 3m
Credit score: 600-619 (Apr-2010) Total credit lines: 54 Occupation: Professional
Now delinquent: 3 Revolving credit balance: $4,278Stated income:$50,000-$74,999
Amount delinquent: $5,715 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: Seasonair Borrower's state: Maryland Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 600-619 (Latest)
Principal borrowed: $6,001.00< mo. late: 0 ( 0% )  
600-619 (Feb-2010)
600-619 (Jun-2008)
620-639 (Apr-2008)
600-619 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Need Money For Medication
Purpose of loan:
This loan will be used to? Purchase my needed medication.? The cost of my medication is $675.00.? This is a medication I am in need of.? I just do not have the money right now.? That is why I am asking for a loan.

My financial situation:
I am a good candidate for this loan because? I paid off a previous Prosper loan and did not miss a payment.? This time I am only in need of $1000.00.? If things go as planned I will be able to repay the loan in less than three years.

Monthly net income: $ $3326.00

Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 100.00
??Car expenses: $ 500.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??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)
Aberdeen$400.00$400.004/26/2010 1:47:52 PM
mrxtravis$164.12$164.124/26/2010 1:46:36 PM
chameleon125$50.00$50.004/27/2010 8:22:03 AM
debt-legend$25.00$10.884/27/2010 10:09:57 AM
YoungTaxMan$25.00$25.004/27/2010 3:32:50 PM
SolarMoonshine$25.00$25.004/27/2010 3:59:16 PM
five-star-note$25.00$25.004/27/2010 12:42:43 PM
HenlopenCapital$25.00$25.004/27/2010 2:54:11 PM
jhouman$25.00$25.004/22/2010 8:32:53 AM
SNH$50.00$50.004/23/2010 4:52:49 AM
UCLA4life$25.00$25.004/25/2010 11:44:18 PM
Mikale360$25.00$25.004/27/2010 12:21:26 AM
loanman2007$50.00$50.004/27/2010 5:39:34 AM
AsianDragon$25.00$25.004/27/2010 10:30:58 AM
Bob450$25.00$25.004/27/2010 12:37:31 PM
supreme-hope$25.00$25.004/27/2010 12:40:11 PM
ZOOOM$25.00$25.004/27/2010 1:23:59 PM
17 bids
 
Borrower Payment Dependent Notes Series 454860
This series of Notes was issued and sold upon the funding of the borrower loan #42178, 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:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
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: May-2001 Debt/Income ratio: 23%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:2y 10m
Credit score: 660-679 (Mar-2010) Total credit lines: 20 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $18,130Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: note-nexus9 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
Pay Off Some Personal debt
This loan will be used to pay off some personal loan and some immediate needs
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)
oreyedoc$25.00$25.004/20/2010 4:20:03 PM
revenue-ruler6$25.00$25.004/20/2010 4:21:50 PM
AF-Chief$28.00$28.004/20/2010 4:23:34 PM
shrewd-peace7$30.00$30.004/20/2010 4:22:31 PM
Tikibarman$100.00$100.004/20/2010 4:24:49 PM
smart-leverage7$25.00$25.004/20/2010 4:25:02 PM
brightest-asset-healer$25.00$25.004/20/2010 4:26:39 PM
the-silver-blaster$25.00$25.004/20/2010 4:25:22 PM
bountiful-bazaar$25.00$25.004/20/2010 4:27:00 PM
Dap2005$25.00$25.004/20/2010 4:26:55 PM
cbz$25.00$25.004/20/2010 4:26:58 PM
JGB$25.00$25.004/20/2010 4:28:25 PM
methodical-capital7$25.00$25.004/20/2010 4:27:17 PM
floridass$25.00$25.004/20/2010 4:27:25 PM
Speculator$100.00$100.004/20/2010 4:28:18 PM
Zingaro$25.00$25.004/20/2010 4:28:48 PM
treasure-generator$25.00$25.004/20/2010 4:19:35 PM
asiaratt$100.00$100.004/20/2010 4:21:25 PM
irrelevant$25.00$25.004/20/2010 4:31:45 PM
Lam0nt$25.00$25.004/20/2010 4:24:05 PM
head$25.00$25.004/20/2010 4:25:17 PM
cypressdev001$25.00$25.004/20/2010 4:27:30 PM
frogperson$25.00$25.004/20/2010 4:28:36 PM
fortytwo$50.00$50.004/20/2010 4:28:56 PM
supreme-hope$25.00$25.004/20/2010 4:29:00 PM
Banker7371$25.00$25.004/20/2010 4:29:29 PM
cablenews$25.00$25.004/20/2010 4:30:14 PM
payment-gusto$25.00$16.294/20/2010 4:30:16 PM
loan-fate$50.00$50.004/20/2010 4:38:49 PM
mercuriant$25.00$25.004/20/2010 5:17:12 PM
Sackmaster$25.00$25.004/22/2010 11:28:11 PM
Bob450$60.00$60.004/22/2010 8:42:52 PM
Ogerta$25.00$25.004/23/2010 7:21:22 AM
golffish2$100.00$100.004/23/2010 9:00:00 AM
loss-of-control$50.00$50.004/24/2010 7:15:28 PM
Your_Bank$50.00$50.004/25/2010 11:13:50 AM
buffalobills$25.00$25.004/26/2010 6:24:04 AM
checzwick$25.00$25.004/26/2010 5:40:43 AM
new-truth-chuckler$42.26$42.264/26/2010 12:34:31 PM
scroooge$25.00$25.004/26/2010 4:39:10 PM
1-HARD-HEAD$100.00$100.004/26/2010 7:16:11 PM
sincere-balance$25.00$25.004/26/2010 6:37:49 PM
skillful-asset5$35.00$35.004/26/2010 4:24:36 PM
scoobiedoo$25.00$25.004/26/2010 4:27:52 PM
umfan123$25.00$25.004/27/2010 7:06:30 AM
vigilance-searcher$25.00$25.004/26/2010 9:15:17 PM
wise-repayment-seeker$25.00$25.004/26/2010 9:36:41 PM
integrity-doctor$100.00$100.004/27/2010 3:44:28 PM
YoungTaxMan$25.00$25.004/27/2010 3:54:47 PM
brightest-dignified-penny$25.00$25.004/27/2010 4:02:52 PM
Kaj$25.00$25.004/20/2010 4:23:31 PM
social-conductor4$25.00$25.004/20/2010 4:21:41 PM
value-microscope$25.00$25.004/20/2010 4:22:26 PM
Helenska11$25.00$25.004/20/2010 4:24:53 PM
burrito6$25.00$25.004/20/2010 4:23:27 PM
bassman2$25.00$25.004/20/2010 4:25:15 PM
delivery$25.00$25.004/20/2010 4:25:39 PM
autonomous-basis$25.00$25.004/20/2010 4:24:39 PM
fairhelper$25.00$25.004/20/2010 4:25:12 PM
The_Secret$25.00$25.004/20/2010 4:25:29 PM
loan-upholder4$25.00$25.004/20/2010 4:27:07 PM
jonbozeman$25.00$25.004/20/2010 4:28:33 PM
keeminn$25.00$25.004/20/2010 4:27:19 PM
thedreamer$25.00$25.004/20/2010 4:27:23 PM
israel15$25.00$25.004/20/2010 4:10:41 PM
kindness-percolator5$25.00$25.004/20/2010 4:29:03 PM
newest-inspiring-power$25.00$25.004/20/2010 4:29:25 PM
finance-prescription$50.00$50.004/20/2010 4:28:11 PM
global_microfinance$25.00$25.004/20/2010 4:28:39 PM
lagnisiruk$25.00$25.004/20/2010 4:28:53 PM
compassion-bauble4$25.00$25.004/20/2010 4:29:06 PM
deal-secret-agent$25.00$25.004/20/2010 4:22:36 PM
suomynona$25.00$25.004/20/2010 4:24:46 PM
famous-bill$50.00$50.004/20/2010 4:24:57 PM
FeedTheMachine$50.00$50.004/20/2010 4:25:05 PM
decisive-capital$75.00$75.004/20/2010 4:25:25 PM
authoritative-capital$25.00$25.004/20/2010 4:27:57 PM
bowdish1$50.00$50.004/20/2010 4:28:58 PM
unforgettable-fund2$25.00$25.004/20/2010 4:30:11 PM
Loan2Own$64.02$64.024/20/2010 6:08:04 PM
frogperson$100.00$100.004/21/2010 8:52:09 AM
golffish2$100.00$100.004/21/2010 12:27:52 PM
charming-point$300.00$300.004/22/2010 2:04:12 PM
DasMula$25.00$25.004/23/2010 11:09:48 AM
Wachocia$25.00$25.004/26/2010 9:02:58 PM
patriot384$100.00$100.004/26/2010 9:18:31 PM
fascinating-gold$159.43$159.434/26/2010 9:48:25 PM
malomar66$40.00$40.004/26/2010 11:15:45 PM
rate-hickory$25.00$25.004/27/2010 8:59:37 AM
hektek22$25.00$25.004/26/2010 7:55:49 PM
wonder3$25.00$25.004/27/2010 6:15:30 AM
PotBellyPete$25.00$25.004/27/2010 8:44:41 AM
investment-cluster$25.00$25.004/27/2010 12:39:57 PM
ultimate-peace$150.00$150.004/27/2010 1:51:57 PM
LoanerPrincipal$50.00$50.004/27/2010 4:06:46 PM
Ogerta$25.00$25.004/27/2010 1:23:52 PM
96 bids
 
Borrower Payment Dependent Notes Series 454870
This series of Notes was issued and sold upon the funding of the borrower loan #42190, 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:  Apr-20-2010 
  Auction end date:  Apr-26-2010 
 
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: Jun-1997 Debt/Income ratio: 18%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:0y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 32 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,543Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: afsmith Borrower's state: Maryland Borrower's group: Fix your credit, then get a loan.
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: 5 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
640-659 (May-2008)
660-679 (Apr-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Money to finance website creation
Purpose of loan:
I am a web designer who currently owns and maintains 50+ niche websites.? I am planning the creation of another website that will earn additional income.? I have years of experience in web design and SEO optimization and I know how to earn an income online.

My financial situation:
I am a great candidate for this loan because I have a well-paying day job as a web developer for a reputable tech company.? Also, I earn $1000 per month from my portfolio of websites.?

I can easily repay this loan.? I hold much importance in my credit rating and I take my financial obligations very seriously.

Also note the fact that I have successfully repaid a Prosper loan already.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 100

Total Monthly Expenses: $2,850
Time of Employment

? I have worked with my current company for 3 months but I just left another company where I worked for 3 years.? I left for a significant salary increase.
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)
loyalist1$59.33$59.334/20/2010 4:11:34 PM
nalaari$25.00$25.004/20/2010 4:21:33 PM
treasure-generator$25.00$25.004/20/2010 4:19:34 PM
value-microscope$25.00$25.004/20/2010 4:22:26 PM
POLRBEAR$25.00$25.004/20/2010 4:22:45 PM
burrito6$25.00$25.004/20/2010 4:23:27 PM
Tikibarman$100.00$100.004/20/2010 4:24:48 PM
famous-bill$50.00$50.004/20/2010 4:24:56 PM
smart-leverage7$25.00$25.004/20/2010 4:25:01 PM
fairhelper$25.00$25.004/20/2010 4:25:11 PM
head$25.00$25.004/20/2010 4:25:18 PM
the-silver-blaster$25.00$25.004/20/2010 4:25:21 PM
decisive-capital$75.00$75.004/20/2010 4:25:26 PM
resource777$25.00$25.004/20/2010 4:25:48 PM
twirl2$25.00$25.004/20/2010 4:26:34 PM
dime-reaction$25.00$25.004/20/2010 4:26:43 PM
E-normous$25.00$25.004/20/2010 4:27:13 PM
delivery$25.00$25.004/20/2010 4:25:40 PM
moves$25.00$25.004/20/2010 4:27:15 PM
the-persistent-reward$25.00$25.004/20/2010 4:25:42 PM
larry2003$25.00$25.004/20/2010 4:25:49 PM
Dubbs360$30.90$30.904/20/2010 4:27:27 PM
davidside$25.00$25.004/20/2010 4:25:53 PM
kmprospeo$25.00$25.004/20/2010 4:27:35 PM
KandKLegacyInvestments$25.00$25.004/20/2010 4:26:50 PM
cbz$25.00$25.004/20/2010 4:26:57 PM
cberthiaume$25.00$25.004/20/2010 4:28:28 PM
methodical-capital7$25.00$25.004/20/2010 4:27:17 PM
global_microfinance$25.00$25.004/20/2010 4:28:39 PM
Zingaro$25.00$25.004/20/2010 4:28:48 PM
cypressdev001$25.00$25.004/20/2010 4:27:29 PM
aggresive-nickel2$25.00$25.004/20/2010 4:27:36 PM
fortytwo$50.00$50.004/20/2010 4:28:56 PM
Zolton$200.00$200.004/20/2010 4:30:27 PM
bowdish1$50.00$50.004/20/2010 4:28:57 PM
nrowland$25.00$25.004/20/2010 4:31:35 PM
asiaratt$100.00$100.004/20/2010 4:21:23 PM
payment-gusto$25.00$25.004/20/2010 4:30:16 PM
revenue-ruler6$25.00$25.004/20/2010 4:21:50 PM
Midwestvalues$100.00$100.004/20/2010 4:30:32 PM
ukstevenhawaii$50.00$50.004/20/2010 4:30:36 PM
Kaj$25.00$25.004/20/2010 4:23:30 PM
jrbill1998$50.00$50.004/20/2010 4:34:31 PM
natural-greenback6$25.00$25.004/20/2010 4:24:36 PM
derwiki$25.00$25.004/20/2010 4:34:56 PM
ssh1983$25.00$25.004/20/2010 4:35:18 PM
gjh37$25.00$25.004/20/2010 4:35:26 PM
aggielender$25.00$25.004/20/2010 4:35:57 PM
valiant-liberty4$25.00$25.004/20/2010 4:25:44 PM
TommyTucker$25.00$25.004/20/2010 4:25:47 PM
gain-bridge$25.00$25.004/20/2010 4:33:33 PM
debt-system880$25.00$25.004/20/2010 4:36:35 PM
gmanrex$50.00$50.004/20/2010 4:36:42 PM
PRGuyinVA$25.00$25.004/20/2010 4:33:46 PM
Therapist$25.00$25.004/20/2010 4:26:42 PM
currency-sergeant$25.00$25.004/20/2010 4:36:47 PM
bountiful-bazaar$25.00$25.004/20/2010 4:26:59 PM
visionary-currency$50.00$50.004/20/2010 4:37:04 PM
autonomous-truth$25.00$25.004/20/2010 4:27:41 PM
market-pudding$25.00$25.004/20/2010 4:37:43 PM
ASR3$25.00$25.004/20/2010 4:35:11 PM
lagnisiruk$25.00$25.004/20/2010 4:28:54 PM
kindness-percolator5$25.00$25.004/20/2010 4:29:03 PM
helping-out$28.05$28.054/20/2010 4:36:21 PM
desertoasis$25.00$25.004/20/2010 4:36:33 PM
zorg77$25.00$25.004/20/2010 4:36:43 PM
skuba$25.00$25.004/20/2010 4:36:54 PM
personal-lender$25.00$25.004/20/2010 4:30:25 PM
rhin0cerx$50.00$50.004/20/2010 4:30:43 PM
harmonious-revenue7$25.00$25.004/20/2010 4:31:16 PM
return-eclipse0$25.00$25.004/20/2010 4:31:18 PM
trustu$25.00$25.004/20/2010 4:31:30 PM
hope-equation$50.00$50.004/20/2010 4:31:41 PM
gettingonyourfeet$25.00$25.004/20/2010 5:02:45 PM
GElender$25.00$25.004/20/2010 5:02:50 PM
rescue$50.00$50.004/20/2010 5:16:18 PM
Malkial$25.00$25.004/20/2010 5:07:55 PM
BBL$25.00$25.004/20/2010 4:34:35 PM
etraboulay$25.00$25.004/20/2010 4:35:00 PM
ah-long$25.00$25.004/20/2010 5:28:44 PM
TpbiCapitals$50.00$50.004/20/2010 4:35:25 PM
inspiring-reward$150.00$150.004/20/2010 4:36:39 PM
momoney2lend$25.00$25.004/20/2010 4:36:44 PM
aasx1108$25.00$25.004/20/2010 4:36:50 PM
chicagoman$25.00$25.004/20/2010 4:36:53 PM
Petite_Rose$25.00$25.004/20/2010 4:36:59 PM
asset-professor$35.00$35.004/20/2010 4:37:03 PM
duty-sensai$25.00$25.004/20/2010 5:07:58 PM
elegant-loot$25.00$25.004/20/2010 5:16:29 PM
tuneman1980$25.00$25.004/20/2010 5:28:35 PM
antrux$25.00$25.004/20/2010 5:28:46 PM
WorldlyWorker$25.00$25.004/20/2010 5:28:52 PM
SolarMoonshine$25.00$25.004/20/2010 5:51:23 PM
reflective-rupee$25.00$25.004/20/2010 11:41:43 PM
reflective-rupee$25.00$25.004/20/2010 11:41:32 PM
pbnjelly$25.00$25.004/21/2010 11:01:36 AM
DasMula$25.00$25.004/21/2010 10:30:12 PM
Bob450$60.00$60.004/22/2010 8:43:50 PM
Sackmaster$25.00$25.004/22/2010 11:28:10 PM
nickel-position$29.63$29.634/24/2010 2:02:00 AM
loss-of-control$50.00$50.004/24/2010 7:16:49 PM
greenback-chairman5$25.00$25.004/24/2010 4:06:34 PM
fillholdingsllc$25.00$25.004/25/2010 10:21:18 AM
Your_Bank$25.00$25.004/25/2010 11:14:36 AM
vigilance-searcher$25.00$25.004/25/2010 8:27:41 PM
Ogerta$100.00$100.004/26/2010 7:02:35 AM
ambmba$25.00$25.004/20/2010 4:18:20 PM
social-conductor4$25.00$25.004/20/2010 4:21:40 PM
building-america$25.00$25.004/20/2010 4:19:56 PM
oreyedoc$25.00$25.004/20/2010 4:20:03 PM
shrewd-peace7$30.00$30.004/20/2010 4:22:29 PM
jimmykat$25.00$25.004/20/2010 4:22:25 PM
deal-secret-agent$25.00$25.004/20/2010 4:22:36 PM
Helenska11$25.00$25.004/20/2010 4:24:52 PM
FeedTheMachine$50.00$50.004/20/2010 4:25:06 PM
Lam0nt$25.00$25.004/20/2010 4:24:04 PM
The_Secret$25.00$25.004/20/2010 4:25:28 PM
flipnsf$25.00$25.004/20/2010 4:25:44 PM
autonomous-basis$25.00$25.004/20/2010 4:24:38 PM
Dap2005$25.00$25.004/20/2010 4:26:54 PM
JBA25$25.00$25.004/20/2010 4:27:04 PM
shomikaci$25.00$25.004/20/2010 4:25:41 PM
keeminn$25.00$25.004/20/2010 4:27:19 PM
lukeskywalkerkp$25.00$25.004/20/2010 4:25:45 PM
floridass$25.00$25.004/20/2010 4:27:24 PM
CROBRUN$25.00$25.004/20/2010 4:25:51 PM
kmr2$200.00$200.004/20/2010 4:27:29 PM
spruce2$50.00$50.004/20/2010 4:27:38 PM
special-responsibility$25.00$25.004/20/2010 4:26:36 PM
credit-wheel7$25.00$25.004/20/2010 4:27:06 PM
purdue98$25.00$25.004/20/2010 4:28:29 PM
schlepper$25.00$25.004/20/2010 4:27:40 PM
authoritative-capital$25.00$25.004/20/2010 4:27:56 PM
compassion-bauble4$25.00$25.004/20/2010 4:29:05 PM
circuitfive$25.00$25.004/20/2010 4:28:30 PM
frogperson$25.00$25.004/20/2010 4:28:35 PM
supreme-hope$25.00$25.004/20/2010 4:29:00 PM
deegeeman$50.00$50.004/20/2010 4:30:48 PM
red-favorable-basis$25.00$25.004/20/2010 4:30:54 PM
Streetfighter$50.00$50.004/20/2010 4:31:03 PM
unforgettable-order9$25.00$25.004/20/2010 4:31:05 PM
Banker7371$25.00$25.004/20/2010 4:29:28 PM
integrity-doctor$100.00$100.004/20/2010 4:31:07 PM
first-upright-payout$25.00$25.004/20/2010 4:31:14 PM
life-is-great$25.00$25.004/20/2010 4:31:38 PM
cablenews$25.00$25.004/20/2010 4:30:13 PM
Rattlehead$25.00$25.004/20/2010 4:30:57 PM
magnolia161$25.00$25.004/20/2010 4:30:59 PM
MylesNH$25.00$25.004/20/2010 4:22:34 PM
red_spade$26.00$26.004/20/2010 4:31:11 PM
HHP$25.00$25.004/20/2010 4:31:12 PM
stock106$30.00$30.004/20/2010 4:31:31 PM
AF-Chief$28.00$28.004/20/2010 4:23:34 PM
suomynona$25.00$25.004/20/2010 4:24:46 PM
ayerobbie$25.00$25.004/20/2010 4:35:02 PM
upright-revenue7$25.00$25.004/20/2010 4:35:17 PM
bassman2$25.00$25.004/20/2010 4:25:14 PM
tjone69$30.00$30.004/20/2010 4:35:34 PM
Ragnar$25.00$25.004/20/2010 4:36:12 PM
cash-boots$25.00$25.004/20/2010 4:25:46 PM
godzig$25.00$25.004/20/2010 4:36:20 PM
Supernick$25.00$25.004/20/2010 4:36:27 PM
chakra$25.00$25.004/20/2010 4:36:46 PM
ImaPutz$25.00$25.004/20/2010 4:26:51 PM
brother_tam$50.00$50.004/20/2010 4:36:56 PM
thedreamer$25.00$25.004/20/2010 4:27:23 PM
mmqc$25.00$25.004/20/2010 4:27:37 PM
finance-prescription$50.00$50.004/20/2010 4:28:11 PM
JGB$25.00$25.004/20/2010 4:28:24 PM
lowrate$25.00$25.004/20/2010 4:34:59 PM
jonbozeman$25.00$25.004/20/2010 4:28:32 PM
actvtrdr$35.00$35.004/20/2010 4:35:23 PM
mtquan$25.00$25.004/20/2010 4:35:29 PM
Sateesh$35.50$35.504/20/2010 4:35:50 PM
LenderExtraordinaire$25.00$25.004/20/2010 4:38:53 PM
newest-inspiring-power$25.00$25.004/20/2010 4:29:24 PM
Craig_B$25.00$25.004/20/2010 4:36:40 PM
EnigmaNYC-29$25.00$25.004/20/2010 4:36:49 PM
oldmora$47.85$47.854/20/2010 4:36:58 PM
unforgettable-fund2$25.00$25.004/20/2010 4:30:10 PM
greenwell$25.00$25.004/20/2010 4:30:46 PM
reward-adventure$30.00$30.004/20/2010 4:31:20 PM
xyzlmno$25.00$25.004/20/2010 4:31:27 PM
cash-tiramisu$25.00$25.004/20/2010 4:53:37 PM
irrelevant$25.00$25.004/20/2010 4:31:46 PM
Doug1043$25.00$25.004/20/2010 4:43:47 PM
orderly-leverage$30.00$30.004/20/2010 4:34:39 PM
Havana21$100.00$100.004/20/2010 4:34:49 PM
ThisGuyIKnow$37.90$8.344/20/2010 5:28:54 PM
Buffer10$100.00$100.004/20/2010 4:36:09 PM
dthompso$41.66$41.664/20/2010 4:36:38 PM
supersarah61$25.00$25.004/20/2010 4:36:41 PM
sympathetic-asset$25.00$25.004/20/2010 4:36:45 PM
SBT$49.74$49.744/20/2010 4:36:51 PM
BlindJoeDeath$25.00$25.004/20/2010 4:36:55 PM
awesome-return0$25.00$25.004/20/2010 4:37:01 PM
israel15$25.00$25.004/20/2010 4:39:11 PM
Cleon$25.00$25.004/20/2010 5:28:09 PM
js44043$25.00$25.004/20/2010 5:28:40 PM
twjh$25.00$25.004/20/2010 5:33:28 PM
dollardave$100.00$100.004/20/2010 10:33:58 PM
frogperson$100.00$100.004/21/2010 8:51:24 AM
kronosmetis$25.00$25.004/23/2010 7:22:04 AM
Ogerta$100.00$100.004/23/2010 7:25:20 AM
funds-rascal$100.00$100.004/23/2010 11:20:26 AM
charming-point$300.00$300.004/23/2010 11:21:16 AM
Gandalf0001$25.00$25.004/24/2010 12:10:28 PM
Your_Bank$35.00$35.004/25/2010 11:14:53 AM
proton346$25.00$25.004/26/2010 9:36:08 AM
209 bids
 
Borrower Payment Dependent Notes Series 454908
This series of Notes was issued and sold upon the funding of the borrower loan #41996, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.96% Starting monthly payment: $49.02
Final lender yield: 17.85% Final borrower rate/APR: 18.85% / 21.72% Final monthly payment: $47.55
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.91%  
Lender servicing fee: 1.00% Estimated return: 10.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1998 Debt/Income ratio: 60%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 8Length of status:2y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 26 Occupation: Retail Management
Now delinquent: 1 Revolving credit balance: $27,697Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ilovecoffee2010 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.
Description
"Paying off my credit cards"
Purpose of loan: <<Hello, I am joining Prosper to pay down my credit card debt at reasonable rates. Over the past few years I have made remarkable strides paying off my debt. In fact over the past 12 months I have begun to see the light at the end of the tunnel! Unfortunately, a major current bank (who shall remain nameless :-( ) decided to hike up my interest rates for no apparent reason before the new credit card laws took place this year. I have had 3 credit cards with this company for approximately 5 years and never missed a payment. Any help in lowering my rate is much appreciated. Thanks for taking the time to read this!
Information in the Description is not verified.
Friends And Family Winning Bids
futurechef11 has bid a total of $300.00 in winning bids.
"I know he's been working on paying off his debt for a couple years now and believe this is a safe investment."
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Hi, Could you explain the delinquency that is showing on your report. Thanks and good luck - Little_Tuna_College_Fund
A: Hello, The delinquency was actually from a department store credit card payment being late approximately 4 years ago. The card has long been paid off and to be honest I didn't even know it was on my record until signing up on Prosper. I hope this clarifies for you. I appreciate your time! Thanks! (Apr-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
futurechef11$25.00$25.004/20/2010 5:30:09 PM
futurechef11$275.00$275.004/21/2010 3:51:59 PM
icecoldcash$25.00$25.004/23/2010 9:53:45 PM
donlenboy$43.20$43.204/26/2010 7:04:29 AM
shrewd-asset$25.00$25.004/26/2010 8:14:50 AM
serene-capital$25.00$25.004/26/2010 11:47:41 AM
festeringsnot$25.00$25.004/26/2010 3:22:43 PM
mckhbnpc$25.00$25.004/27/2010 9:01:54 AM
engbusres$35.00$35.004/26/2010 8:15:33 PM
solin003$25.00$25.004/26/2010 9:42:56 PM
wild-orange$50.00$50.004/27/2010 2:32:42 PM
duty-monger$50.00$50.004/27/2010 3:11:50 PM
patriot384$40.00$40.004/27/2010 3:44:38 PM
capital-kingdom$25.00$25.004/27/2010 4:01:58 PM
yurison$25.00$25.004/27/2010 12:43:32 PM
wild-orange$25.00$25.004/27/2010 2:34:21 PM
LoanerPrincipal$50.00$40.804/27/2010 3:57:04 PM
Unitas4302$50.00$50.004/22/2010 6:31:07 PM
icecoldcash$25.00$25.004/23/2010 9:53:27 PM
icecoldcash$25.00$25.004/23/2010 9:54:28 PM
rome1426$25.00$25.004/26/2010 5:16:12 PM
amlu1988$25.00$25.004/27/2010 8:10:57 AM
autoconnection$32.00$32.004/27/2010 4:40:11 AM
redrose1518$25.00$25.004/27/2010 7:11:05 AM
The-CAPS-fan$34.00$34.004/27/2010 10:28:37 AM
scientists$25.00$25.004/27/2010 11:38:58 AM
SkinnyFish$50.00$50.004/27/2010 1:09:41 PM
hillerod$25.00$25.004/27/2010 1:22:40 PM
investment-cluster$25.00$25.004/27/2010 12:40:56 PM
ultimate-peace$150.00$150.004/27/2010 1:51:08 PM
30 bids
 
Borrower Payment Dependent Notes Series 454972
This series of Notes was issued and sold upon the funding of the borrower loan #42023, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Apr-21-2010 
  Auction end date:  Apr-23-2010 
 
Starting lender yield: 22.14% Starting borrower rate/APR: 23.14% / 25.42% Starting monthly payment: $96.96
Final lender yield: 22.00% Final borrower rate/APR: 23.00% / 25.28% Final monthly payment: $96.77
 
Auction yield range: 8.04% - 22.14% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 14.98%  
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: Feb-1993 Debt/Income ratio: 4%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:2y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 58 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,226Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: the-joyful-rupee 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
moving expenses
Purpose of loan:
This loan will be used to?? For moving expenses

My financial situation:
I am a good candidate for this loan because?
If you look closely at my credit report you will see I have always paid on time. Exception is my Countrywide / Bank of America due to mortgage fraud. I have a court decision in my favor from the Department of Real Estate stating I was victimized. Will send upon request
Monthly net income: $
6000.00 a month from employment and state retirement
Monthly expenses: $
??Housing: $ currently 0
??Insurance: $50.00
??Car expenses: $ 500.00
??Utilities: $60.00?
??Phone, cable, internet: $100.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100
??Credit cards and other loans: $50.00
??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)
five-star-justice$36.00$36.004/21/2010 4:53:56 PM
torion$25.00$25.004/21/2010 5:06:15 PM
mmckune$25.00$25.004/21/2010 5:06:54 PM
tntmojave$25.00$25.004/21/2010 5:07:47 PM
hrubinst$25.00$25.004/21/2010 5:05:56 PM
dinero-speaker$25.00$25.004/21/2010 5:06:35 PM
income-fortress$25.00$25.004/21/2010 5:12:53 PM
integrity-doctor$100.00$100.004/21/2010 5:12:31 PM
loan-kung-fu$25.00$25.004/21/2010 5:13:19 PM
powerful-velocity$25.00$25.004/21/2010 5:33:25 PM
organic-income5$40.00$40.004/21/2010 9:03:10 PM
JustMee$25.00$25.004/21/2010 6:14:46 PM
Havana21$25.00$25.004/21/2010 11:14:00 PM
rider350$25.00$25.004/22/2010 9:35:56 AM
Gabriel02$25.00$25.004/22/2010 11:05:08 AM
thorough-exchange4$25.00$25.004/22/2010 12:02:21 PM
uncleubb$25.00$25.004/22/2010 4:15:49 PM
gelidfrank$25.00$25.004/22/2010 4:54:51 PM
SolarMoonshine$25.00$25.004/22/2010 5:30:49 PM
radforj22$25.00$25.004/22/2010 7:45:30 PM
Amsie614$25.00$25.004/23/2010 6:21:54 AM
finance-prescription$50.00$50.004/22/2010 8:43:00 PM
duty-monger$50.00$50.004/23/2010 3:16:26 AM
ichibon$75.00$75.004/23/2010 3:23:11 AM
upbeat-principal$25.00$25.004/23/2010 8:28:08 AM
worth-arch$25.00$25.004/23/2010 8:27:46 AM
Comoparklender$30.00$30.004/23/2010 8:44:01 AM
crippledcircus$50.00$50.004/23/2010 10:52:17 AM
jcjdingdong$25.00$25.004/23/2010 9:37:27 AM
transparency-advocator$25.00$25.004/23/2010 9:37:53 AM
bowdish1$37.78$37.784/23/2010 11:27:25 AM
FinDoc$25.00$25.004/23/2010 2:14:57 PM
hbzchimar$25.00$25.004/23/2010 2:48:38 PM
Supernick$50.00$50.004/23/2010 4:59:31 PM
GElender$37.52$37.524/23/2010 5:02:21 PM
reflective-rupee$50.00$50.004/23/2010 6:13:30 PM
EngineersAlliance$75.00$75.004/23/2010 6:19:25 PM
KandKLegacyInvestments$25.00$25.004/21/2010 4:50:03 PM
AF-Chief$28.00$28.004/21/2010 4:55:33 PM
Avala$50.00$50.004/21/2010 5:06:24 PM
orderly-leverage$40.00$40.004/21/2010 5:08:34 PM
market-pudding$25.00$25.004/21/2010 5:11:41 PM
delicious-social132$25.00$25.004/21/2010 5:06:29 PM
unassassinable$25.00$25.004/21/2010 5:07:16 PM
JGB$25.00$25.004/21/2010 5:12:01 PM
a-consummate-camaraderi$50.00$50.004/21/2010 5:08:14 PM
balanced-bill7$100.00$100.004/21/2010 5:12:39 PM
bonus-adventure3$25.00$25.004/21/2010 5:09:03 PM
GiantAardvark$25.00$25.004/21/2010 5:15:59 PM
interest-jedi0$50.00$50.004/21/2010 5:12:15 PM
return-eclipse0$25.00$25.004/22/2010 7:29:17 AM
contract-giant$25.00$25.004/22/2010 9:34:32 AM
the-profit-oracle$25.00$25.004/22/2010 11:08:50 AM
bchen78875$25.00$25.004/22/2010 2:08:54 PM
capital-web193$25.00$25.004/22/2010 4:54:31 PM
Rogesparkguy$25.00$25.004/22/2010 4:29:19 PM
don8ter$25.00$25.004/22/2010 5:36:09 PM
treasure-dreamer7$50.00$50.004/22/2010 4:43:17 PM
a-finance-nirvana$25.00$25.004/22/2010 6:02:39 PM
treasure-amplifier6$25.00$25.004/22/2010 8:33:01 PM
lukeskywalkerkp$25.00$25.004/22/2010 7:34:44 PM
floret596$25.00$25.004/23/2010 9:37:39 AM
neutrino6$25.00$25.004/23/2010 8:21:07 AM
resource777$25.00$25.004/23/2010 9:03:09 AM
studious-camaraderi$25.00$25.004/23/2010 9:36:31 AM
heroic-deal7$25.00$25.004/23/2010 9:36:59 AM
Marathoner$25.00$25.004/23/2010 11:50:42 AM
japerk$25.00$25.004/23/2010 11:12:55 AM
Dap2005$25.00$25.004/23/2010 12:26:19 PM
sgt-schultz$50.00$50.004/23/2010 11:43:03 AM
reflective-rupee$25.00$25.004/23/2010 3:23:19 PM
thedreamer$25.00$25.004/23/2010 3:46:59 PM
reflective-rupee$150.00$100.704/23/2010 6:13:45 PM
mpactlender$25.00$25.004/23/2010 6:20:07 PM
74 bids
 
Borrower Payment Dependent Notes Series 455070
This series of Notes was issued and sold upon the funding of the borrower loan #42087, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Apr-21-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $114.88
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $113.19
 
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-1992 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 13 / 10Length of status:13y 5m
Credit score: 640-659 (Apr-2010) Total credit lines: 42Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $10,924 
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: boknows1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
580-599 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Hoping for a Second Loan Approved
Purpose of loan:
This loan will be used to? to?some small debit consolidation and the rest for family medical issues.
My financial situation:
I am a good candidate for this loan because? I do have good payment history, I paid?off my 1st loan without missing a payment and paying it off a lot eariler.I have fixed income. ?I am?a 100 percent service connected?retired Disabled Veteran.??Receiving?Va compensation and Social security benefits totaling $3,914.00 a month. I had a high rish rating at first, and I believed now I'm some between fair to good.?I would appreciate the help. I will not let anyone down. Thank you.

Monthly net income: $ 3,914.00

Monthly expenses: $
??Housing: $?650
??Insurance: $?78
??Car expenses: $?158.00
??Utilities: $?130
??Phone, cable, internet:?75.00
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $? 1400?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)
RebuildALife$25.00$25.004/21/2010 4:52:03 PM
Headhunter14$25.00$25.004/21/2010 4:52:32 PM
randsenterprise$25.00$25.004/21/2010 4:50:51 PM
burrito6$50.00$50.004/21/2010 4:54:59 PM
Lam0nt$25.00$25.004/21/2010 4:55:13 PM
LuvToLend$25.00$25.004/21/2010 4:56:16 PM
famous-bill$50.00$50.004/21/2010 4:57:23 PM
social-conductor4$25.00$25.004/21/2010 4:52:28 PM
innocent-loot$25.00$25.004/21/2010 4:57:46 PM
shrewd-peace7$25.00$25.004/21/2010 4:53:18 PM
bountiful-bazaar$25.00$25.004/21/2010 4:58:31 PM
AF-Chief$28.00$28.004/21/2010 4:55:05 PM
DUDE66$25.00$25.004/21/2010 4:56:54 PM
the-silver-blaster$25.00$25.004/21/2010 4:57:49 PM
loan-fate$50.00$50.004/21/2010 5:16:01 PM
Aberdeen$400.00$400.004/21/2010 5:14:53 PM
reflective-rupee$25.00$25.004/21/2010 10:27:18 PM
mercuriant$25.00$25.004/22/2010 9:39:42 AM
charming-point$300.00$300.004/22/2010 4:30:25 PM
Bob450$53.00$53.004/22/2010 8:50:46 PM
Sackmaster$25.00$25.004/22/2010 11:28:03 PM
Ogerta$25.00$25.004/23/2010 7:34:35 AM
killdare$25.00$25.004/24/2010 10:40:53 AM
jpblan11$25.00$25.004/24/2010 12:58:13 PM
integrity-doctor$100.00$100.004/24/2010 1:28:04 PM
five-star-note$50.00$50.004/24/2010 6:00:53 PM
UCLA4life$25.00$25.004/25/2010 11:44:11 PM
SFBank$200.00$200.004/25/2010 7:02:42 PM
Purposeful$25.00$25.004/21/2010 4:52:41 PM
finance-keeper4$25.00$25.004/21/2010 4:50:44 PM
turbolozano$25.00$25.004/21/2010 4:52:34 PM
MAYBROOK$50.00$50.004/21/2010 4:49:20 PM
deal-secret-agent$25.00$25.004/21/2010 4:56:31 PM
finance-prescription$50.00$50.004/21/2010 4:59:32 PM
Speculator$100.00$92.574/21/2010 4:59:41 PM
benefit-squirrel$25.00$25.004/21/2010 4:56:51 PM
yield-seeker$25.00$25.004/21/2010 4:51:40 PM
Helenska11$25.00$25.004/21/2010 4:57:20 PM
rupee-artisan$25.00$25.004/21/2010 4:52:17 PM
fairhelper$25.00$25.004/21/2010 4:57:33 PM
bassman2$25.00$25.004/21/2010 4:57:39 PM
decisive-capital$75.00$75.004/21/2010 4:57:55 PM
The_Secret$25.00$25.004/21/2010 4:57:57 PM
thedreamer$25.00$25.004/21/2010 4:58:55 PM
authoritative-capital$25.00$25.004/21/2010 4:59:13 PM
twjh$25.00$25.004/21/2010 5:16:24 PM
DasMula$25.00$25.004/21/2010 10:04:23 PM
JustMee$25.00$25.004/21/2010 6:10:36 PM
pietro_torna_indietro$26.43$26.434/21/2010 9:58:12 PM
foothillender$25.00$25.004/22/2010 8:04:19 AM
irrelevant$25.00$25.004/22/2010 8:33:27 AM
_SCI_$25.00$25.004/22/2010 12:50:15 PM
MoneyForNothing$25.00$25.004/22/2010 7:49:41 PM
CA_Lender$25.00$25.004/22/2010 11:07:20 PM
shawnw2$50.00$50.004/23/2010 11:10:07 AM
frogperson$100.00$100.004/23/2010 3:08:49 PM
greenback-chairman5$25.00$25.004/24/2010 4:12:46 PM
SV-AZ$25.00$25.004/24/2010 10:22:27 PM
Your_Bank$50.00$50.004/25/2010 11:25:58 AM
59 bids
 
Borrower Payment Dependent Notes Series 455090
This series of Notes was issued and sold upon the funding of the borrower loan #42002, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-26-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $316.65
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
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-1989 Debt/Income ratio: 45%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 4Length of status:0y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 32 Occupation: Accountant/CPA
Now delinquent: 3 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $506 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: Scorpio1970 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: 51 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
660-679 (Jun-2008)
600-619 (Mar-2008)
640-659 (Sep-2007)
 
Principal balance: $2,613.64 1+ mo. late: 0 ( 0% )
Total payments billed: 51  
Description
Really Need a New Vehicle
If funded this loan will be used to purchase a new vehicle.? I withdrew my last listing because a dealer has agreed to give me $2000 for my currant vehicle and?so I only need $7000 to get the?vehicle I am looking at.? I am currently driving 70 miles round trip to work and my current vehicle has over 170,000 miles.? This will be my first major purchase since filing bankruptcy in 2007.

I really don't understand why I am considered high risk since my last loan was a "C" rating.? All my information is basically the same except for my wages.? I have been in manufacturing for the past ten years and decided to leave manufacturing for property management.? I also don't understand why I am still showing 3 accounts delinquent as they were included in the bankruptcy.?

I am a good candidate for this loan for several reasons.? First I have no debt except for my prosper loan.? Second I have had two prosper loans making over 50 payments without being late once.? Third I have managed to improve my credit score by more than 60 points thanks to prosper lenders.? Prosper is the only way for me.

Net Income:?? $2074 + $1800 from my husband - Total $3874

Expenses:
House - 731.50
Taxes & House Insurance - 150.00
Car Insurance - 147.00
Utilities - 250.00
Cell Phone - 95.00
Phone, Cable & Internet - 150.00
Daycare - 300.00
Food & Misc Expenses - 500.00
Prosper Loan - 212.26

Total - 2531.50

I have plenty of extra income to pay this loan plus still put some in savings.? I am offering a guaranteed rate and this is a win win situation.? I will not give up on Prosper lenders and I hope you decide to bid on me.? Any concerns or questions please ask.? Thanks for looking and bidding.
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: Congrats on your perfect payment history with Prosper. Do you have any other debt you are carrying? If so, please itemize and explain. Kind Regards - Your_Bank
A: First of all thanks so much for all the bids on past listing and this one as well I really appreciate it. The only other debt I am carrying is my other Prosper loan for 212.26. My vehicle was paid off last year and besides every day bills I have tried hard not to open any other accounts. I haven't even applied for a credit card since filing bankruptcy. I hope this helps. Thanks again. (Apr-21-2010)
Q: Do you plan on paying down your outstanding prosper loan with this one? Kind Regards - Your_Bank
A: I do not plan on paying down my current prosper loan as I only have just over a year until it is complete. My prosper loans are helping me improve my credit so I would like to continue with at least two different loans as they both would be reported to the credit bureaus. Thanks again for the second bid on this loan if funded you will not regret your investment as my prosper loans always come first. (Apr-21-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Your_Bank$200.00$200.004/20/2010 5:13:24 PM
Your_Bank$200.00$200.004/21/2010 6:14:08 AM
jhouman$25.00$25.004/22/2010 12:00:15 PM
loan-tycoon0$25.00$25.004/22/2010 8:40:49 PM
victor111$25.00$25.004/25/2010 11:33:55 PM
reflective-rupee$300.00$300.004/26/2010 9:25:07 AM
wealth-pipeline$25.00$25.004/26/2010 7:00:49 AM
shawnw2$67.52$67.524/26/2010 12:01:17 PM
well-mannered-income3$75.00$75.004/26/2010 2:57:17 PM
supreme-hope$25.00$25.004/26/2010 1:00:25 PM
reflective-rupee$400.00$400.004/26/2010 4:32:19 PM
reflective-rupee$300.00$300.004/26/2010 4:33:13 PM
Rip128$200.00$200.004/26/2010 6:47:04 PM
Rip128$300.00$300.004/26/2010 5:48:30 PM
Aberdeen$400.00$400.004/26/2010 7:18:17 PM
icanhasloanz$400.00$400.004/26/2010 7:46:28 PM
icanhasloanz$1,000.00$1,000.004/26/2010 7:45:30 PM
aztocas$50.00$50.004/21/2010 1:13:04 PM
Your_Bank$200.00$200.004/22/2010 5:56:37 AM
Your_Bank$200.00$200.004/23/2010 3:52:21 PM
Your_Bank$200.00$200.004/25/2010 5:43:47 PM
UCLA4life$25.00$25.004/25/2010 11:44:17 PM
Your_Bank$500.00$500.004/25/2010 6:16:49 PM
tcbmc$25.00$25.004/26/2010 1:08:23 PM
Tono$30.00$30.004/26/2010 5:08:20 PM
gpuck$25.00$25.004/26/2010 3:02:29 PM
SolarMoonshine$25.00$25.004/26/2010 5:50:44 PM
Kash2010lu$25.00$25.004/26/2010 6:10:58 PM
Aberdeen$400.00$400.004/26/2010 7:16:32 PM
Aberdeen$400.00$400.004/26/2010 7:16:49 PM
lender12345$50.00$27.484/26/2010 7:08:59 PM
Aberdeen$500.00$500.004/26/2010 7:16:33 PM
Aberdeen$400.00$400.004/26/2010 7:16:34 PM
33 bids
 
Borrower Payment Dependent Notes Series 455096
This series of Notes was issued and sold upon the funding of the borrower loan #42193, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $153.86
Final lender yield: 12.75% Final borrower rate/APR: 13.75% / 15.90% Final monthly payment: $153.25
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:3y 5m
Credit score: 740-759 (Apr-2010) Total credit lines: 20 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $9,091Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: peace-strawberry 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
Fixing for the Future
Purpose of loan: Sorry to?all the lenders who already saw my listing before.. The forecast for my 9500.00 getting funded did not look at all like it was going to happen, so I am relisting for a lower amount. Thank you!!!! Happy Spring!
This loan will be used to pay?most of?my two high interest credit cards. I have been struggling with getting these cards down in balances for a very long time. I am tired of paying around 100.00 a month in interest when I don't even use the cards. I know this loan would take an immense weight off me.
Bank Of America Credit Card 6149.95? 23.24%
Merrick Bank/Geico Credit Card 3314.65? 12.99%

My financial situation:
I am an excellent candidate for this loan because I have cut up my credit cards and have stopped spending money I do not have. I do not miss payments and I also make them on time. I have two stable jobs and have the income to cover the one payment a month back to the loan. I currently work full time for the University of Minnesota as a purchasing manager and have a part time job at Urbanimal, selling pet products. I have signed up for Mint.com to track all my expenses and have created a budget that I have been sticking to since the beginning of the year. I hope that from this information you choose to provide me a new wonderful chapter in my life to becoming financially free.
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)
best-listing-toro$25.00$25.004/20/2010 5:42:16 PM
qkinger$50.00$50.004/21/2010 9:57:57 AM
FIRE09$25.00$25.004/21/2010 12:27:01 PM
enthusiastic-point$25.00$25.004/21/2010 2:01:05 PM
newest-courageous-openness$25.00$25.004/21/2010 5:08:13 PM
one-midas$25.00$25.004/21/2010 7:58:40 PM
sturdy-velocity6$25.00$25.004/22/2010 2:34:49 PM
WisconsinLiberal$25.00$25.004/22/2010 5:33:59 PM
smart-gold$25.00$25.004/23/2010 9:35:53 AM
johnpmid$25.00$25.004/23/2010 8:39:47 AM
TakeCare$100.00$100.004/23/2010 7:49:09 AM
credit-panda1$50.00$50.004/23/2010 8:48:38 AM
sk10023$50.00$50.004/23/2010 12:38:22 PM
payontime1$26.22$26.224/23/2010 12:55:17 PM
red-goodhearted-wealth$25.00$25.004/23/2010 3:07:09 PM
grafton$35.27$35.274/23/2010 6:58:41 PM
goblin555$25.00$25.004/23/2010 11:54:16 PM
Gandalf0001$25.00$25.004/24/2010 12:08:51 PM
eBankInvest$60.01$60.014/24/2010 5:58:55 AM
the-charming-integrity$40.00$40.004/24/2010 8:55:57 AM
roadtruck$50.00$50.004/24/2010 3:46:04 PM
VonAp$30.00$30.004/24/2010 1:52:38 PM
Kerrysbay$50.00$50.004/25/2010 11:03:59 AM
Flash80$100.00$100.004/25/2010 11:27:27 AM
payout-magician$25.00$25.004/24/2010 7:55:29 PM
Anamorph$25.00$25.004/25/2010 6:09:52 PM
Techne_Funds_LLC$25.00$25.004/26/2010 5:38:52 AM
Pickmar$25.00$25.004/26/2010 9:34:03 AM
CashBank$25.00$25.004/26/2010 9:07:17 AM
greekgst99$25.00$25.004/26/2010 9:41:22 AM
back-scratchers$25.00$25.004/26/2010 3:19:44 PM
lucky2$25.00$25.004/26/2010 2:35:25 PM
Young-Y$25.00$25.004/26/2010 3:22:37 PM
brightest-dignified-penny$25.00$25.004/26/2010 4:33:57 PM
dproxima$25.00$25.004/26/2010 4:45:11 PM
gjm6d$25.00$25.004/26/2010 6:52:43 PM
The-CAPS-fan$25.00$25.004/27/2010 7:17:17 AM
captainzero$75.00$75.004/26/2010 6:19:19 PM
justice-disk$25.00$25.004/27/2010 8:57:35 AM
vutah$25.00$25.004/26/2010 8:03:40 PM
patriot384$75.00$75.004/26/2010 9:16:31 PM
uncleubb$100.00$100.004/27/2010 9:26:51 AM
redrose1518$25.00$25.004/27/2010 7:03:47 AM
rupee-kung-fu7$33.56$33.564/27/2010 8:10:52 AM
Flreap$50.00$50.004/27/2010 10:34:14 AM
jocephus$60.09$60.094/27/2010 2:21:55 PM
friendinmoney$33.87$33.874/27/2010 3:08:02 PM
Grimmreaper$25.00$25.004/27/2010 3:44:34 PM
shrewd-income$100.00$100.004/27/2010 11:54:48 AM
ScottFinance$25.00$25.004/27/2010 12:57:30 PM
shrewd-income$150.00$150.004/27/2010 3:48:16 PM
Sven79$50.00$50.004/20/2010 4:26:31 PM
small-change$25.00$25.004/20/2010 5:11:08 PM
seanvr33$25.00$25.004/21/2010 7:04:39 AM
rummy06$25.00$25.004/21/2010 7:00:07 AM
1stBankAndHal$35.00$35.004/21/2010 11:20:36 AM
buckyhead2000$25.00$25.004/22/2010 4:55:35 PM
betheanswer$50.00$50.004/22/2010 4:31:17 PM
Bulldogee$25.00$25.004/23/2010 5:05:09 AM
spiff666$25.00$25.004/23/2010 6:17:08 AM
genuine-diversification5$25.00$25.004/23/2010 1:08:56 PM
himanshuko$25.00$25.004/23/2010 3:14:15 PM
mosby$50.00$50.004/23/2010 3:28:52 PM
Loan_shark718$60.00$60.004/24/2010 6:56:25 AM
MattProsper$30.00$30.004/23/2010 11:50:39 PM
exponential-affluence4$50.00$50.004/23/2010 6:24:16 PM
NorthlandAlchemist$25.00$25.004/24/2010 5:21:47 AM
Machbannai$25.00$25.004/24/2010 3:15:52 AM
Kerrysbay$50.00$50.004/24/2010 12:50:26 PM
adir1$25.00$25.004/24/2010 12:54:00 PM
averagefore$25.00$25.004/24/2010 2:26:39 PM
heerzaquestion$50.00$50.004/25/2010 7:34:42 AM
ritwik$50.00$50.004/25/2010 11:54:30 AM
nakane66$25.00$25.004/25/2010 6:58:11 AM
wwwUniversal$25.00$25.004/25/2010 7:45:45 AM
MattProsper$40.00$40.004/25/2010 12:15:55 PM
VonAp$100.00$100.004/26/2010 5:46:52 AM
marinade$30.01$30.014/25/2010 6:34:22 PM
RedCentre$500.00$500.004/26/2010 8:18:43 AM
ToloUSN$50.00$50.004/26/2010 8:53:55 AM
steady-dime$25.00$25.004/26/2010 6:48:19 AM
PatriotKnight$25.00$25.004/26/2010 12:08:11 PM
hopheadmike$34.00$34.004/26/2010 2:16:50 PM
BrighterSuns$25.00$25.004/26/2010 2:15:52 PM
Leopoldine$25.89$25.894/26/2010 3:12:30 PM
SummaCapital$100.00$100.004/26/2010 4:17:11 PM
Milonguero$100.00$100.004/26/2010 8:19:43 PM
market-pudding$25.00$25.004/26/2010 9:08:23 PM
Galdis$25.00$25.004/27/2010 4:42:58 AM
reliable-silver7$25.00$25.004/26/2010 4:38:12 PM
jybank$25.00$25.004/27/2010 12:06:02 AM
MarkDown$25.00$25.004/26/2010 5:32:54 PM
rate-hickory$25.00$25.004/27/2010 9:00:42 AM
mitcha1$25.00$25.004/27/2010 4:14:14 AM
catalystcf$25.00$25.004/27/2010 6:50:47 AM
SOP_Bank$25.00$25.004/27/2010 9:33:28 AM
wyogirllender$25.00$25.004/27/2010 9:45:24 AM
thoughtful-justice8$25.00$25.004/27/2010 10:15:46 AM
dollymama$25.00$25.004/27/2010 12:20:17 PM
gourd6$30.00$30.004/27/2010 12:24:44 PM
investment-cluster$25.00$25.004/27/2010 12:42:11 PM
Sol_Invictus$25.00$25.004/27/2010 11:19:22 AM
benefit-catalyst$250.00$46.084/27/2010 3:36:00 PM
sgt-schultz$50.00$50.004/27/2010 3:35:14 PM
LoanerPrincipal$50.00$50.004/27/2010 4:00:42 PM
radiant-value$25.00$25.004/27/2010 12:29:56 PM
106 bids
 
Borrower Payment Dependent Notes Series 455102
This series of Notes was issued and sold upon the funding of the borrower loan #42196, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Apr-20-2010 
  Auction end date:  Apr-27-2010 
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $143.90
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $143.52
 
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: Oct-2003 Debt/Income ratio: 35%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 23 / 21Length of status:1y 11m
Credit score: 760-779 (Mar-2010) Total credit lines: 28 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $20,961Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bountiful-benefit0 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off My Credit Cards
Purpose of loan:
Last year, I bought my first home and got married! (The picture on the listing is of a little friend that I met on my honeymoon)... This loan will be used to pay off some credit card debt that I accumulated from those events. I?would?like to take advantage?of a lower interest rate so that I have an easier time paying it off more quickly. I really appreciate you taking the time to consider funding my loan.

My financial situation:
I am an excellent?candidate for this loan because I have two jobs, one is a full-time good-paying job in the utility industry and the second is a part-time job for extra spending cash. I am very comfortable in saying that I will have no problem paying back the loan.?I have never missed a payment on any debt in all of my years of credit history. I certainly plan on continuing that record! Thanks 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
KandKLegacyInvestments$25.00$25.004/20/2010 4:19:00 PM
delicious-social132$25.00$25.004/20/2010 4:32:28 PM
mmckune$25.00$25.004/20/2010 4:33:05 PM
orderly-leverage$40.00$40.004/20/2010 4:34:46 PM
JGB$25.00$25.004/20/2010 4:37:28 PM
loan-kung-fu$25.00$25.004/20/2010 4:39:15 PM
torion$25.00$25.004/20/2010 4:32:12 PM
bowdish1$50.00$50.004/20/2010 4:33:29 PM
integrity-doctor$100.00$100.004/20/2010 4:38:00 PM
Dap2005$25.00$25.004/20/2010 4:38:26 PM
kindness-percolator5$25.00$25.004/20/2010 5:36:29 PM
yield-seeker$25.00$25.004/20/2010 8:03:57 PM
calilending$25.00$25.004/21/2010 12:14:15 AM
influential-compassion9$47.93$47.934/21/2010 4:47:38 AM
nands31$25.00$25.004/21/2010 9:33:33 AM
rummy06$25.00$25.004/21/2010 6:56:22 AM
shrewd-peace7$25.00$25.004/21/2010 10:10:35 AM
Tc11902$25.00$25.004/21/2010 9:13:22 AM
fairness-champ7$25.00$25.004/21/2010 9:33:56 AM
upright-asset2$25.00$25.004/21/2010 9:34:27 AM
responsive-gain7$25.00$25.004/21/2010 11:16:01 AM
mulberry4$25.00$25.004/21/2010 12:33:52 PM
don8ter$25.00$25.004/21/2010 1:08:56 PM
direct-yield$25.00$25.004/21/2010 1:21:32 PM
Okeey$25.00$25.004/21/2010 12:33:44 PM
powerful-velocity$25.00$25.004/21/2010 5:33:27 PM
organic-income5$40.00$40.004/21/2010 9:03:12 PM
contract-giant$25.00$25.004/22/2010 9:34:35 AM
rider350$25.00$25.004/22/2010 9:35:59 AM
thedreamer$25.00$25.004/22/2010 12:25:39 PM
capital-web193$25.00$25.004/22/2010 4:54:34 PM
worth-arch$25.00$25.004/23/2010 8:27:47 AM
upbeat-principal$25.00$25.004/23/2010 8:28:12 AM
transparency-advocator$25.00$25.004/23/2010 9:37:55 AM
Comoparklender$30.00$30.004/23/2010 8:44:03 AM
resource777$25.00$25.004/23/2010 9:03:11 AM
studious-camaraderi$25.00$25.004/23/2010 9:36:34 AM
Artist_Blue$25.00$25.004/23/2010 11:43:12 AM
applepie1$50.00$50.004/23/2010 12:07:39 PM
sgt-schultz$50.00$50.004/23/2010 11:43:06 AM
GElender$50.00$50.004/23/2010 5:02:19 PM
Cai8899$50.00$50.004/23/2010 5:03:29 PM
decisive-capital$75.00$75.004/23/2010 4:59:02 PM
radforj22$25.00$25.004/23/2010 7:12:46 PM
irrelevant$25.00$25.004/23/2010 5:03:15 PM
slick8812$25.00$25.004/24/2010 5:56:24 AM
dschaaf$25.00$25.004/24/2010 2:28:15 PM
gao$173.91$173.914/24/2010 4:05:48 PM
Zeenos$25.00$25.004/24/2010 7:17:30 PM
marinade$50.00$50.004/25/2010 9:54:28 AM
JerryB96$25.00$25.004/26/2010 9:52:58 AM
springpanda$25.00$25.004/26/2010 2:42:02 PM
focused-wampum$50.00$50.004/27/2010 5:45:10 AM
AF-Chief$27.00$27.004/20/2010 4:24:20 PM
benefit-arch$25.00$25.004/20/2010 4:12:19 PM
unassassinable$25.00$25.004/20/2010 4:33:18 PM
hrubinst$25.00$25.004/20/2010 4:32:03 PM
dinero-speaker$25.00$25.004/20/2010 4:32:35 PM
a-consummate-camaraderi$50.00$50.004/20/2010 4:34:28 PM
balanced-bill7$100.00$100.004/20/2010 4:38:09 PM
bonus-adventure3$25.00$25.004/20/2010 4:35:15 PM
interest-jedi0$50.00$50.004/20/2010 4:37:38 PM
Slend49$25.00$25.004/20/2010 4:39:09 PM
finance-prescription$58.26$58.264/20/2010 4:39:19 PM
Avala$50.00$50.004/20/2010 4:32:20 PM
nickel-ferret$25.00$25.004/20/2010 5:36:31 PM
the-profit-oracle$25.00$25.004/20/2010 5:37:18 PM
Havana21$44.81$44.814/20/2010 7:40:01 PM
contract-eagle$25.00$25.004/20/2010 9:39:50 PM
jeb_31$25.00$25.004/20/2010 6:49:22 PM
market-pudding$25.00$25.004/20/2010 7:39:57 PM
thrifty-funds1$25.00$25.004/21/2010 6:23:08 AM
MTlender$25.00$25.004/21/2010 8:25:25 AM
ijspence$25.00$25.004/21/2010 8:33:34 AM
ctgscott$25.00$25.004/21/2010 9:33:21 AM
whois-JohnGalt$25.00$25.004/21/2010 9:33:30 AM
a-studious-payment$25.00$25.004/21/2010 9:34:10 AM
japerk$25.00$25.004/21/2010 8:12:51 AM
GiantAardvark$25.00$25.004/21/2010 10:11:07 AM
PRGuyinVA$25.00$25.004/21/2010 10:44:00 AM
money-boots2$25.00$25.004/21/2010 9:34:30 AM
unforgettable-moola1$30.00$30.004/21/2010 12:34:18 PM
JFKPilot$25.00$25.004/21/2010 12:47:36 PM
bountiful-bazaar$25.00$25.004/21/2010 11:49:32 AM
uncleubb$25.00$25.004/21/2010 1:38:37 PM
CAGE-Investments$47.85$47.854/21/2010 1:45:43 PM
iolaire$25.00$25.004/21/2010 3:00:34 PM
Gabriel02$25.00$25.004/22/2010 11:04:56 AM
thorough-exchange4$25.00$25.004/22/2010 12:02:24 PM
bchen78875$25.00$25.004/22/2010 2:08:47 PM
gelidfrank$25.00$25.004/22/2010 4:54:58 PM
ichibon$75.00$75.004/23/2010 3:23:16 AM
Supernick$42.00$42.004/23/2010 7:12:01 AM
circustab$50.00$50.004/23/2010 7:06:27 AM
neutrino6$25.00$25.004/23/2010 8:21:09 AM
a-finance-nirvana$25.00$25.004/23/2010 9:08:18 AM
wise-silver-wonder$25.00$25.004/23/2010 11:12:37 AM
Marathoner$25.00$25.004/23/2010 11:50:45 AM
wings2fly$25.00$25.004/23/2010 5:02:45 PM
Clambake$50.00$50.004/23/2010 5:03:25 PM
mpactlender$25.00$25.004/23/2010 5:05:25 PM
Breakfast_Gypsy$25.00$25.004/23/2010 5:02:38 PM
important-ore$50.00$50.004/24/2010 9:22:48 AM
sarisai$501.00$471.844/24/2010 7:57:51 PM
junctionking$25.00$25.004/24/2010 1:54:17 PM
castleman$25.00$25.004/24/2010 5:19:45 PM
ritwik$50.00$50.004/25/2010 11:56:20 AM
malltp11$32.54$32.544/25/2010 8:12:07 AM
BigB22$50.00$50.004/25/2010 1:52:27 PM
Roohugger$25.00$25.004/26/2010 5:52:52 AM
JDLanier$25.00$25.004/26/2010 12:23:47 PM
dreamhope$25.00$25.004/26/2010 11:55:53 AM
StarE$25.00$25.004/26/2010 12:59:04 PM
Leopoldine$25.00$25.004/26/2010 3:13:02 PM
jwood3030$35.00$35.004/26/2010 4:31:08 PM
rmpedi33$150.00$150.004/27/2010 12:03:52 AM
wonderous-power$25.00$25.004/27/2010 3:11:33 AM
shellstar$53.86$53.864/27/2010 12:40:38 PM
118 bids
 
Borrower Payment Dependent Notes Series 455536
This series of Notes was issued and sold upon the funding of the borrower loan #42075, 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:  Apr-27-2010 
  Auction end date:  Apr-27-2010 
 
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: Apr-1997 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:11y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 34 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $2,595Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jman78 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
620-639 (Jul-2009)
640-659 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Paying off my Chase Account
Purpose of loan:
This loan will be used to? Pay off my Chase Account.? It is currently 29% interest.

My financial situation:
I am a good candidate for this loan because? I pay my bills on time, I just have a few credit accounts I would like to eliminate because of their high interest.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 395
??Insurance: $ 50
??Car expenses: $ 235
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 75
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 100
??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)
KandKLegacyInvestments$25.00$25.004/27/2010 9:23:53 AM
hrubinst$25.00$25.004/27/2010 9:57:01 AM
Avala$50.00$50.004/27/2010 9:57:57 AM
mmckune$25.00$25.004/27/2010 9:59:12 AM
orderly-leverage$40.00$40.004/27/2010 10:00:00 AM
thorough-exchange4$25.00$25.004/27/2010 10:03:12 AM
balanced-bill7$100.00$100.004/27/2010 10:01:57 AM
gelidfrank$25.00$8.004/27/2010 10:05:30 AM
delicious-social132$25.00$25.004/27/2010 9:58:18 AM
integrity-doctor$100.00$100.004/27/2010 10:01:38 AM
Easystreet$25.00$25.004/27/2010 10:24:47 AM
twjh$25.00$25.004/27/2010 10:35:56 AM
Aberdeen$400.00$400.004/27/2010 10:35:52 AM
AF-Chief$27.00$27.004/27/2010 9:52:23 AM
torion$25.00$25.004/27/2010 9:57:25 AM
dinero-speaker$25.00$25.004/27/2010 9:58:41 AM
loan-kung-fu$25.00$25.004/27/2010 10:02:12 AM
GiantAardvark$25.00$25.004/27/2010 10:02:22 AM
rider350$25.00$25.004/27/2010 10:02:41 AM
JGB$25.00$25.004/27/2010 10:00:37 AM
interest-jedi0$50.00$50.004/27/2010 10:01:10 AM
unassassinable$25.00$25.004/27/2010 9:59:35 AM
market-pudding$25.00$25.004/27/2010 10:03:50 AM
income-fortress$25.00$25.004/27/2010 10:31:50 AM
Whipster$25.00$25.004/27/2010 10:35:14 AM
25 bids
 
Borrower Payment Dependent Notes Series 455664
This series of Notes was issued and sold upon the funding of the borrower loan #42084, 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:  Apr-27-2010 
  Auction end date:  Apr-27-2010 
 
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-2000 Debt/Income ratio: 33%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:0y 9m
Credit score: 680-699 (Apr-2010) Total credit lines: 28 Occupation: Chemist
Now delinquent: 1 Revolving credit balance: $8,794Stated income:$25,000-$49,999
Amount delinquent: $120 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: creative-felicity 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
need a feul efficient vehicle
Purpose of loan:
This loan will be used to get a more feul efficient vehicle. I am in the national guard and drive over 50 miles each way at least twice a week not including driving back and forth to my normal place of employment. My Xterra SUV just isn't cutting it.

My financial situation:
I am a good candidate for this loan because it is a realitive small amount and I will be using my FTHB tax credit to pay it back quicky.

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)
satanichammy$25.00$25.004/27/2010 9:21:49 AM
b2m80s$25.00$25.004/27/2010 9:21:55 AM
social-conductor4$25.00$25.004/27/2010 9:37:22 AM
shrewd-peace7$30.00$30.004/27/2010 9:37:25 AM
rock-turner$25.00$25.004/27/2010 9:39:38 AM
revenue-ruler6$25.00$25.004/27/2010 9:28:55 AM
AF-Chief$28.00$28.004/27/2010 9:42:54 AM
return-eclipse0$25.00$25.004/27/2010 10:06:31 AM
xyzlmno$25.00$25.004/27/2010 10:06:53 AM
jrbill1998$50.00$50.004/27/2010 10:07:23 AM
copper$30.00$30.004/27/2010 10:06:18 AM
secobarbital$25.00$25.004/27/2010 10:09:49 AM
red_spade$26.00$26.004/27/2010 10:09:51 AM
greenback-visionary4$25.00$25.004/27/2010 10:10:40 AM
israel15$25.00$25.004/27/2010 10:08:46 AM
finance-prescription$100.00$100.004/27/2010 10:12:05 AM
jonbozeman$25.00$25.004/27/2010 10:12:25 AM
harmonious-revenue7$25.00$25.004/27/2010 10:10:05 AM
chicagoman$25.00$25.004/27/2010 10:10:58 AM
contract-giant$25.00$25.004/27/2010 10:11:21 AM
unforgettable-fund2$25.00$25.004/27/2010 10:13:37 AM
newest-inspiring-power$25.00$25.004/27/2010 10:13:18 AM
29Palms$25.00$25.004/27/2010 10:15:48 AM
investment-forte$25.00$25.004/27/2010 10:16:30 AM
Streetfighter$50.00$50.004/27/2010 10:15:06 AM
irrelevant$25.00$25.004/27/2010 10:16:07 AM
lukeskywalkerkp$25.00$25.004/27/2010 10:16:09 AM
gjh37$25.00$25.004/27/2010 10:08:05 AM
GiantAardvark$25.00$25.004/27/2010 10:08:54 AM
nrowland$25.00$25.004/27/2010 10:10:13 AM
visionary-currency$25.55$25.554/27/2010 10:10:32 AM
hope-equation$50.00$50.004/27/2010 10:10:54 AM
cpodakine$25.00$25.004/27/2010 10:11:07 AM
MARWARISETH$25.00$25.004/27/2010 10:11:11 AM
astute-dollar$50.00$50.004/27/2010 10:22:16 AM
Lam0nt$25.00$25.004/27/2010 10:11:33 AM
bassman2$25.00$25.004/27/2010 10:11:39 AM
adama_48$25.00$25.004/27/2010 10:23:06 AM
heavenly-repayment4$25.00$25.004/27/2010 10:21:08 AM
floridass$25.00$25.004/27/2010 10:23:53 AM
Midwestvalues$100.00$100.004/27/2010 10:14:10 AM
ukstevenhawaii$50.00$50.004/27/2010 10:14:14 AM
rhin0cerx$50.00$50.004/27/2010 10:14:22 AM
payment-gusto$25.00$25.004/27/2010 10:26:42 AM
schpere$25.00$25.004/27/2010 10:26:45 AM
deal-secret-agent$25.00$25.004/27/2010 10:27:37 AM
supreme-bonus0$25.00$25.004/27/2010 10:26:10 AM
martinnc$25.00$25.004/27/2010 10:27:42 AM
frogperson$25.00$22.214/27/2010 10:27:44 AM
contract-eagle$25.00$25.004/27/2010 10:21:26 AM
Helenska11$25.00$25.004/27/2010 10:23:35 AM
intrepid-transaction5$25.00$25.004/27/2010 10:23:43 AM
TpbiCapitals$46.01$46.014/27/2010 10:25:02 AM
important-ore$50.00$50.004/27/2010 10:25:39 AM
compassion-bauble4$25.00$25.004/27/2010 10:26:33 AM
Kaj$25.00$25.004/27/2010 9:42:43 AM
famous-bill$50.00$50.004/27/2010 9:42:20 AM
treasure-amplifier6$25.00$25.004/27/2010 9:50:41 AM
Comoparklender$25.00$25.004/27/2010 9:50:24 AM
seisen$100.00$100.004/27/2010 9:51:58 AM
autonomous-truth$25.00$25.004/27/2010 9:52:06 AM
bowdish1$50.00$50.004/27/2010 9:55:14 AM
gelidfrank$25.00$25.004/27/2010 10:04:24 AM
interest-griffin$25.00$25.004/27/2010 10:05:47 AM
circuitfive$25.00$25.004/27/2010 10:06:03 AM
gain-bridge$25.00$25.004/27/2010 10:07:12 AM
PRGuyinVA$25.00$25.004/27/2010 10:07:15 AM
brother_tam$50.00$50.004/27/2010 9:56:37 AM
actvtrdr$35.00$35.004/27/2010 10:07:52 AM
asset-professor$35.00$35.004/27/2010 10:08:41 AM
life-is-great$25.00$25.004/27/2010 10:07:03 AM
first-upright-payout$25.00$25.004/27/2010 10:09:58 AM
trustu$25.00$25.004/27/2010 10:10:10 AM
orderly-leverage$30.00$30.004/27/2010 10:07:40 AM
deegeeman$50.00$50.004/27/2010 10:10:45 AM
desertoasis$25.00$25.004/27/2010 10:08:22 AM
thedreamer$25.00$25.004/27/2010 10:11:53 AM
deal-hickory5$25.00$25.004/27/2010 10:09:11 AM
JGB$25.00$25.004/27/2010 10:12:16 AM
global_microfinance$25.00$25.004/27/2010 10:12:31 AM
Zingaro$25.00$25.004/27/2010 10:12:38 AM
cablenews$25.00$25.004/27/2010 10:13:43 AM
thorough-exchange4$25.00$25.004/27/2010 10:02:50 AM
personal-lender$25.00$25.004/27/2010 10:13:58 AM
Zolton$200.00$200.004/27/2010 10:14:02 AM
lagnisiruk$25.00$25.004/27/2010 10:12:47 AM
red-favorable-basis$25.00$25.004/27/2010 10:14:41 AM
fortytwo$50.00$50.004/27/2010 10:12:53 AM
Rattlehead$25.00$25.004/27/2010 10:14:45 AM
reward-adventure$30.00$30.004/27/2010 10:06:43 AM
magnolia161$25.00$25.004/27/2010 10:14:53 AM
unforgettable-order9$25.00$25.004/27/2010 10:15:18 AM
integrity-doctor$100.00$100.004/27/2010 10:15:25 AM
ssh1983$25.00$25.004/27/2010 10:07:46 AM
Sackmaster$25.00$25.004/27/2010 10:16:43 AM
Supernick$25.00$25.004/27/2010 10:08:13 AM
successful-euro$42.23$42.234/27/2010 10:17:22 AM
Marathoner$25.00$25.004/27/2010 10:19:16 AM
coin-equalizer2$25.00$25.004/27/2010 10:10:50 AM
burrito6$25.00$25.004/27/2010 10:11:26 AM
capital-web193$25.00$25.004/27/2010 10:20:49 AM
supreme-hope$25.00$25.004/27/2010 10:13:01 AM
kindness-percolator5$25.00$25.004/27/2010 10:13:10 AM
Banker7371$25.00$25.004/27/2010 10:13:27 AM
icecoldcash$25.00$25.004/27/2010 10:24:27 AM
greenwell$25.00$25.004/27/2010 10:14:32 AM
Speculator$100.00$100.004/27/2010 10:23:10 AM
Tikibarman$100.00$100.004/27/2010 10:25:51 AM
stock106$30.00$30.004/27/2010 10:24:25 AM
Headhunter14$25.00$25.004/27/2010 10:27:30 AM
radforj22$25.00$25.004/27/2010 10:26:13 AM
dschaaf$25.00$25.004/27/2010 10:27:11 AM
Artist_Blue$25.00$25.004/27/2010 10:21:20 AM
DadWarbucks$25.00$25.004/27/2010 10:21:32 AM
metro457$40.00$40.004/27/2010 10:22:09 AM
lending_pugs$25.00$25.004/27/2010 10:22:14 AM
blue_skies_ahead$25.00$25.004/27/2010 10:22:21 AM
mtquan$25.00$25.004/27/2010 10:23:39 AM
responsive-transaction8$25.00$25.004/27/2010 10:26:18 AM
119 bids