Sales Report:Supplement No. 191 dated May 06, 2010 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
451709
This series of Notes was issued and sold upon the funding of the borrower loan #42354, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 14.02% |
Starting borrower rate/APR:
| 15.02% / 17.19% |
Starting monthly payment:
| $121.36 |
|
Final lender yield:
| 8.88% |
Final borrower rate/APR:
| 9.88% / 11.99% |
Final monthly payment:
| $112.74 |
| |
|
Auction yield range:
| 4.04% - 14.02% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.76% | | |
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:
| Feb-1988 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
8 | Length of status: | 15y 1m |
|
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 44 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,665 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| believeit |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 29 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $21,501.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Mar-2010)
720-739
(Aug-2009)
640-659
(Jul-2008)
680-699
(Sep-2007)
|
|
Principal balance:
| $2,834.89 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
good loan history with prosper
Purpose: I have a current Prosper loan with a balance of 2900.00. My monthly net income is?$ 3300?
Monthly expenses:??? ? $?2500
mortgage:????????????????????????????1223
Insurance:???????????????????????????????? 90?????????????????????
Car note:????????????????????????????????342?????
Utilities:????????????????????????????????????80
Phone, cable, internet:????? 120
Food, entertainment:????????245
Clothing/hh?????????????????????? 80
Credit cards:??????????????????????50
monthly??Loans include:?
Bank of America?????????????? 200??
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What will you be using the loan for? - jpblan11
A:
I have to put new carpet in my basement and I need electrical repairs.
(May-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 4/28/2010 3:28:59 AM |
| aislinnn | $25.00 | $25.00 | 4/28/2010 12:23:52 PM |
| wwwUniversal | $25.00 | $25.00 | 4/28/2010 11:27:23 AM |
| MoneyForNothing | $25.00 | $25.00 | 4/28/2010 4:33:25 PM |
| Xarach | $34.50 | $34.50 | 4/28/2010 8:08:36 PM |
| beachfunder | $25.00 | $25.00 | 4/29/2010 7:35:28 AM |
| selector568 | $156.40 | $156.40 | 4/29/2010 4:56:30 PM |
| Dollars4Rent | $25.00 | $25.00 | 4/29/2010 7:11:45 PM |
| cwegert | $48.20 | $48.20 | 4/30/2010 8:52:14 AM |
| stephen_c01 | $25.00 | $25.00 | 4/30/2010 9:33:40 AM |
| jasunshine | $25.00 | $25.00 | 4/30/2010 8:33:51 AM |
| Ven58 | $25.00 | $25.00 | 5/3/2010 5:39:18 AM |
| LittleMingo | $30.00 | $30.00 | 5/3/2010 5:18:09 AM |
| BankofPaul | $25.00 | $25.00 | 5/3/2010 6:11:06 AM |
| FloridaBookie | $25.00 | $25.00 | 5/3/2010 6:37:12 AM |
| cwegert | $106.86 | $106.86 | 5/3/2010 9:07:39 AM |
| Chesterite | $50.00 | $50.00 | 5/3/2010 9:12:59 AM |
| SeaLoans | $25.00 | $25.00 | 5/3/2010 9:37:59 AM |
| dynamic-platinum | $25.00 | $25.00 | 5/3/2010 9:49:52 AM |
| njmlaj726 | $25.00 | $25.00 | 5/3/2010 11:17:56 AM |
| umwol13 | $25.00 | $25.00 | 5/3/2010 12:15:08 PM |
| slgilligan | $50.00 | $50.00 | 5/3/2010 3:00:31 PM |
| bss97603 | $25.00 | $25.00 | 5/3/2010 5:53:21 PM |
| jtoms101 | $25.00 | $25.00 | 5/3/2010 5:44:16 PM |
| Jerrys1951 | $50.00 | $50.00 | 5/3/2010 6:31:03 PM |
| Digs | $25.00 | $25.00 | 5/3/2010 6:40:38 PM |
| bowl800 | $25.00 | $25.00 | 5/3/2010 7:52:46 PM |
| allbalooboy2 | $30.00 | $30.00 | 5/3/2010 10:41:31 PM |
| triumph246 | $50.00 | $50.00 | 5/4/2010 1:36:46 AM |
| Biazza | $25.23 | $25.23 | 5/4/2010 3:28:01 AM |
| theloanfiller | $26.25 | $26.25 | 5/4/2010 5:07:12 AM |
| DenverFamilyMan | $50.00 | $50.00 | 5/4/2010 5:33:27 AM |
| CheapDolo22 | $25.00 | $25.00 | 5/4/2010 6:22:56 AM |
| Long-term2040 | $25.00 | $25.00 | 5/4/2010 6:51:10 AM |
| orange-dollar-guild | $50.00 | $50.00 | 5/4/2010 7:55:20 AM |
| FundMaker | $25.00 | $25.00 | 5/4/2010 7:38:37 AM |
| dgagli1 | $45.00 | $45.00 | 5/4/2010 8:48:45 AM |
| Aberdeen | $400.00 | $400.00 | 4/27/2010 11:04:41 PM |
| loanman2007 | $200.00 | $200.00 | 4/28/2010 12:53:24 PM |
| duke12 | $36.56 | $36.56 | 4/28/2010 12:58:26 PM |
| billnsc | $25.00 | $25.00 | 4/28/2010 7:17:18 PM |
| payontime1 | $25.00 | $25.00 | 4/28/2010 10:52:57 PM |
| BipedalHominid | $25.00 | $25.00 | 4/30/2010 12:34:26 PM |
| debt-legend | $25.00 | $25.00 | 4/30/2010 3:30:06 PM |
| bornsucka | $25.00 | $25.00 | 4/30/2010 4:28:34 PM |
| justin323 | $25.00 | $25.00 | 4/30/2010 5:19:33 PM |
| Mr_Egret | $50.00 | $50.00 | 4/30/2010 5:21:09 PM |
| GoldenTrout | $25.00 | $25.00 | 5/2/2010 9:12:10 PM |
| rjcoutur2001 | $37.65 | $37.65 | 5/3/2010 1:21:01 AM |
| Johnab | $50.00 | $50.00 | 5/3/2010 6:06:04 AM |
| Manta_Rai | $25.00 | $25.00 | 5/3/2010 7:02:25 AM |
| exchange-grizzly | $25.00 | $25.00 | 5/3/2010 7:09:36 AM |
| Xsi2k | $25.00 | $25.00 | 5/3/2010 8:01:40 AM |
| Rothgoe | $33.98 | $33.98 | 5/3/2010 8:21:47 AM |
| Richmp412 | $25.00 | $25.00 | 5/3/2010 8:58:35 AM |
| dmitriy2 | $25.00 | $25.00 | 5/3/2010 10:03:56 AM |
| Jiangtao | $25.00 | $25.00 | 5/3/2010 11:50:26 AM |
| himanshuko | $25.00 | $25.00 | 5/3/2010 11:45:02 AM |
| isfahanian | $25.00 | $25.00 | 5/3/2010 12:49:02 PM |
| rockhound84 | $25.00 | $25.00 | 5/3/2010 3:15:46 PM |
| malcolmreynolds | $25.00 | $25.00 | 5/3/2010 3:20:59 PM |
| interest88 | $25.00 | $25.00 | 5/3/2010 3:02:41 PM |
| redmen93 | $100.00 | $100.00 | 5/3/2010 3:46:18 PM |
| AsianDragon | $35.00 | $35.00 | 5/3/2010 4:39:02 PM |
| Moots | $25.00 | $25.00 | 5/3/2010 6:03:40 PM |
| usd1027 | $25.00 | $25.00 | 5/3/2010 8:14:56 PM |
| ommuruga | $50.00 | $50.00 | 5/3/2010 8:44:37 PM |
| flyer10631 | $40.00 | $40.00 | 5/3/2010 8:51:10 PM |
| ommuruga | $67.71 | $67.71 | 5/3/2010 8:58:01 PM |
| cariromero2000 | $25.00 | $25.00 | 5/3/2010 9:34:05 PM |
| PeacefulFlorida | $25.00 | $25.00 | 5/4/2010 2:05:26 AM |
| steady-penny1 | $27.05 | $27.05 | 5/4/2010 3:43:11 AM |
| WillingToHelpOut | $25.00 | $25.00 | 5/4/2010 3:45:21 AM |
| lucrative-durability | $25.00 | $25.00 | 5/4/2010 5:38:33 AM |
| crawfishcentral | $50.00 | $40.03 | 5/4/2010 5:55:49 AM |
| porwestco | $25.00 | $25.00 | 5/4/2010 6:03:28 AM |
| favorite-commerce | $50.00 | $50.00 | 5/4/2010 7:05:45 AM |
| grampy48 | $50.00 | $50.00 | 5/4/2010 6:30:35 AM |
| tamcho | $25.00 | $25.00 | 5/4/2010 6:41:59 AM |
| Grimmreaper | $25.00 | $25.00 | 5/4/2010 7:11:28 AM |
| rockhound84 | $25.00 | $25.00 | 5/4/2010 6:51:13 AM |
| icon7 | $25.00 | $25.00 | 5/4/2010 6:54:50 AM |
| blackstar | $25.00 | $25.00 | 5/4/2010 7:35:58 AM |
| brlarue | $25.00 | $25.00 | 5/4/2010 8:36:21 AM |
| dpries123 | $25.00 | $25.00 | 5/4/2010 8:03:55 AM |
| ExtraIncome | $29.58 | $29.58 | 5/4/2010 8:38:54 AM |
| triumph246 | $50.00 | $50.00 | 5/4/2010 9:12:50 AM |
| 87 bids
|
Borrower Payment Dependent Notes Series
453867
This series of Notes was issued and sold upon the funding of the borrower loan #42343, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-03-2010 |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $191.86 |
|
Final lender yield:
| 8.20% |
Final borrower rate/APR:
| 9.20% / 11.30% |
Final monthly payment:
| $191.36 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1985 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
15 | Length of status: | 5y 7m |
|
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 42 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,410 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cvanderhoff65 |
Borrower's state:
| NewJersey |
Borrower's group:
| Debt Consolidators |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 57 ( 93% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $14,500.00 | < 31 days late:
| 3
( 5% )
| 660-679
(Mar-2008)
660-679
(Nov-2006)
|
|
Principal balance:
| $848.92 |
31+ days late:
| 1
( 2% )
|
|
Total payments billed:
| 61 | | |
Description
end CC debt
Purpose of loan:
This loan will be used to pay off current CC's that are at high interest rates
My financial situation:
I am a good candidate for this loan because I paid off one loan from Prosper already, I have secure employment and I have a faily low debt ratio.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| delicious-social132 | $25.00 | $25.00 | 4/27/2010 5:01:21 PM |
| integrity-doctor | $100.00 | $100.00 | 4/27/2010 5:01:47 PM |
| torion | $25.00 | $25.00 | 4/27/2010 5:01:13 PM |
| balanced-bill7 | $100.00 | $100.00 | 4/27/2010 5:01:50 PM |
| mmckune | $25.00 | $25.00 | 4/27/2010 5:01:27 PM |
| rider350 | $25.00 | $25.00 | 4/27/2010 5:01:56 PM |
| museic1 | $25.00 | $25.00 | 4/27/2010 5:02:20 PM |
| yield-seeker | $25.00 | $25.00 | 4/27/2010 5:02:25 PM |
| mrzz | $25.00 | $25.00 | 4/27/2010 5:02:35 PM |
| KeepOnRunning | $50.00 | $50.00 | 4/27/2010 5:02:50 PM |
| fortytwo | $100.00 | $100.00 | 4/27/2010 5:03:19 PM |
| Taxman44 | $25.00 | $25.00 | 4/27/2010 5:04:41 PM |
| elasermd | $50.00 | $50.00 | 4/27/2010 5:04:18 PM |
| golden-responsibility189 | $50.00 | $50.00 | 4/27/2010 5:04:30 PM |
| Marathoner | $25.00 | $25.00 | 4/27/2010 5:05:05 PM |
| dschaaf | $25.00 | $25.00 | 4/27/2010 5:06:17 PM |
| alcyon | $25.00 | $25.00 | 4/27/2010 5:05:51 PM |
| castleman | $25.00 | $25.00 | 4/27/2010 5:06:29 PM |
| CaptainBlueberry | $25.00 | $25.00 | 4/27/2010 5:06:47 PM |
| harty | $60.00 | $60.00 | 4/27/2010 5:08:13 PM |
| income-excellence1 | $25.00 | $25.00 | 4/27/2010 5:08:38 PM |
| GenerousGentleMan | $54.92 | $54.92 | 4/27/2010 5:15:13 PM |
| Sykes66 | $25.00 | $25.00 | 4/27/2010 5:14:45 PM |
| Avala | $50.00 | $50.00 | 4/27/2010 5:01:18 PM |
| JGB | $25.00 | $25.00 | 4/27/2010 5:01:42 PM |
| thorough-exchange4 | $25.00 | $25.00 | 4/27/2010 5:02:03 PM |
| BankOfFrankFairness | $25.38 | $25.38 | 4/27/2010 5:02:13 PM |
| Jassi | $25.00 | $25.00 | 4/27/2010 5:02:44 PM |
| capital-web193 | $25.00 | $25.00 | 4/27/2010 5:02:49 PM |
| BMP | $25.00 | $25.00 | 4/27/2010 5:18:57 PM |
| jonesboyz | $25.00 | $25.00 | 4/27/2010 5:19:03 PM |
| halfpintc | $25.00 | $25.00 | 4/27/2010 5:17:48 PM |
| bruin558 | $48.70 | $48.70 | 4/27/2010 5:19:17 PM |
| mlopez2007 | $50.00 | $50.00 | 4/27/2010 5:03:49 PM |
| Divot | $25.00 | $25.00 | 4/27/2010 5:18:14 PM |
| Blue_HorseShoe | $25.00 | $25.00 | 4/27/2010 5:20:02 PM |
| frankdelraza | $25.00 | $25.00 | 4/27/2010 5:20:13 PM |
| ebusinessagent | $25.00 | $25.00 | 4/27/2010 5:20:29 PM |
| sisterkate | $25.00 | $25.00 | 4/27/2010 5:20:34 PM |
| Natronpee | $25.00 | $25.00 | 4/27/2010 5:20:54 PM |
| metro457 | $40.00 | $40.00 | 4/27/2010 5:04:33 PM |
| tolstoy00 | $25.00 | $25.00 | 4/27/2010 5:21:15 PM |
| perlindc | $100.00 | $100.00 | 4/27/2010 5:19:44 PM |
| ChicoBob | $50.00 | $50.00 | 4/27/2010 5:21:35 PM |
| scott73 | $25.00 | $25.00 | 4/27/2010 5:21:45 PM |
| OldestBrother | $50.00 | $50.00 | 4/27/2010 5:19:59 PM |
| StrongMoney | $25.00 | $25.00 | 4/27/2010 5:20:07 PM |
| Sam65 | $25.00 | $25.00 | 4/27/2010 5:20:27 PM |
| fcukciti | $50.00 | $50.00 | 4/27/2010 5:22:13 PM |
| reueljw | $25.00 | $25.00 | 4/27/2010 5:20:37 PM |
| wrchism | $36.25 | $36.25 | 4/27/2010 5:22:22 PM |
| pbandjb | $25.00 | $25.00 | 4/27/2010 5:20:53 PM |
| stikman | $25.00 | $25.00 | 4/27/2010 5:22:47 PM |
| nhm | $50.00 | $50.00 | 4/27/2010 5:05:32 PM |
| anakinsolo | $25.00 | $25.00 | 4/27/2010 5:22:51 PM |
| OLYVRC | $25.00 | $25.00 | 4/27/2010 5:21:17 PM |
| unclejaef | $25.00 | $25.00 | 4/27/2010 5:21:21 PM |
| RusRobo | $25.00 | $25.00 | 4/27/2010 5:21:38 PM |
| jdashv | $25.00 | $25.00 | 4/27/2010 5:23:38 PM |
| truth-image | $50.00 | $50.00 | 4/27/2010 5:23:56 PM |
| vtr1000 | $25.51 | $25.51 | 4/27/2010 5:22:46 PM |
| DeathScythe676 | $25.00 | $25.00 | 4/27/2010 5:22:58 PM |
| RickD1003 | $50.00 | $50.00 | 4/27/2010 5:06:41 PM |
| credit-scout7 | $30.00 | $30.00 | 4/27/2010 5:07:51 PM |
| nickel-advocator | $25.00 | $25.00 | 4/27/2010 5:09:08 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 4/27/2010 5:13:34 PM |
| joandjon | $25.00 | $25.00 | 4/27/2010 5:17:24 PM |
| generous-at-heart | $25.00 | $25.00 | 4/27/2010 5:17:50 PM |
| dollars4debts | $25.00 | $25.00 | 4/27/2010 5:18:18 PM |
| synergy4all | $25.00 | $25.00 | 4/27/2010 5:19:00 PM |
| MrDavid | $50.00 | $50.00 | 4/27/2010 5:20:10 PM |
| pseudokris | $25.00 | $25.00 | 4/27/2010 5:20:14 PM |
| Castellan | $25.00 | $25.00 | 4/27/2010 5:20:19 PM |
| help_each_other | $25.00 | $25.00 | 4/27/2010 5:20:21 PM |
| Gunny89 | $25.00 | $25.00 | 4/27/2010 5:20:35 PM |
| LKN2RTR | $25.00 | $25.00 | 4/27/2010 5:20:41 PM |
| Westerly | $47.39 | $47.39 | 4/27/2010 5:20:51 PM |
| lagnisiruk | $25.00 | $25.00 | 4/27/2010 5:21:08 PM |
| revmax | $25.00 | $25.00 | 4/27/2010 5:21:27 PM |
| pinnacle10 | $25.00 | $25.00 | 4/27/2010 5:21:43 PM |
| stensonb | $25.00 | $25.00 | 4/27/2010 5:22:24 PM |
| blukestrel | $25.00 | $25.00 | 4/27/2010 5:22:39 PM |
| degster | $25.00 | $25.00 | 4/27/2010 5:23:07 PM |
| isfahanian | $25.00 | $25.00 | 4/28/2010 7:41:14 PM |
| RandyL3 | $99.00 | $99.00 | 4/28/2010 5:51:31 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 4/28/2010 6:12:23 PM |
| turbospeed | $25.00 | $25.00 | 4/29/2010 11:53:30 PM |
| ekc12 | $25.00 | $25.00 | 4/30/2010 10:40:03 AM |
| wwwUniversal | $25.00 | $25.00 | 4/30/2010 1:17:13 PM |
| simiray | $25.00 | $25.00 | 5/2/2010 9:44:30 PM |
| FloridaBookie | $25.00 | $25.00 | 5/3/2010 5:01:12 AM |
| dinero-speaker | $25.00 | $25.00 | 4/27/2010 5:01:24 PM |
| unassassinable | $25.00 | $25.00 | 4/27/2010 5:01:36 PM |
| mathprof | $25.00 | $25.00 | 4/27/2010 5:02:11 PM |
| interest-jedi0 | $50.00 | $50.00 | 4/27/2010 5:01:45 PM |
| GiantAardvark | $25.00 | $25.00 | 4/27/2010 5:01:53 PM |
| bchen78875 | $50.00 | $50.00 | 4/27/2010 5:02:30 PM |
| radforj22 | $40.00 | $40.00 | 4/27/2010 5:03:41 PM |
| Comoparklender | $30.00 | $30.00 | 4/27/2010 5:04:07 PM |
| loan-warrior | $25.00 | $25.00 | 4/27/2010 5:04:46 PM |
| resource777 | $25.00 | $25.00 | 4/27/2010 5:04:17 PM |
| grampy48 | $25.00 | $25.00 | 4/27/2010 5:05:08 PM |
| sgt-schultz | $50.00 | $50.00 | 4/27/2010 5:04:52 PM |
| Artist_Blue | $25.00 | $25.00 | 4/27/2010 5:05:16 PM |
| DcUnited | $25.00 | $25.00 | 4/27/2010 5:06:58 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 4/27/2010 5:07:26 PM |
| liberty-bearer0 | $25.00 | $25.00 | 4/27/2010 5:07:42 PM |
| sethred17 | $25.00 | $25.00 | 4/27/2010 5:13:17 PM |
| finance-negotiator2 | $25.00 | $25.00 | 4/27/2010 5:08:18 PM |
| morpholog | $25.00 | $25.00 | 4/27/2010 5:08:26 PM |
| credit-coach118 | $40.00 | $40.00 | 4/27/2010 5:15:14 PM |
| randomguy100 | $25.00 | $25.00 | 4/27/2010 5:14:13 PM |
| Fryilluh | $25.00 | $25.00 | 4/27/2010 5:14:16 PM |
| peace-cadence | $25.00 | $25.00 | 4/27/2010 5:15:11 PM |
| tender-integrity3 | $50.00 | $50.00 | 4/27/2010 5:16:33 PM |
| hrubinst | $25.00 | $25.00 | 4/27/2010 5:01:06 PM |
| Nco | $25.00 | $25.00 | 4/27/2010 5:17:35 PM |
| Hexnut | $50.00 | $50.00 | 4/27/2010 5:18:21 PM |
| langdonx | $25.00 | $25.00 | 4/27/2010 5:02:17 PM |
| mtp | $50.00 | $50.00 | 4/27/2010 5:02:39 PM |
| Boxhead | $25.00 | $25.00 | 4/27/2010 5:18:59 PM |
| jeffpac | $55.00 | $55.00 | 4/27/2010 5:03:34 PM |
| TheReaderRabbit | $25.00 | $25.00 | 4/27/2010 5:18:08 PM |
| dlshap | $25.00 | $25.00 | 4/27/2010 5:18:11 PM |
| purohit | $25.00 | $25.00 | 4/27/2010 5:19:51 PM |
| TK4 | $25.00 | $25.00 | 4/27/2010 5:03:51 PM |
| token34 | $25.00 | $25.00 | 4/27/2010 5:19:58 PM |
| RussianPrincess | $100.00 | $100.00 | 4/27/2010 5:20:08 PM |
| upbeat-principal | $25.00 | $25.00 | 4/27/2010 5:03:57 PM |
| laststrawman | $25.00 | $25.00 | 4/27/2010 5:18:20 PM |
| kanpur63 | $25.00 | $25.00 | 4/27/2010 5:20:31 PM |
| _kyle | $25.00 | $25.00 | 4/27/2010 5:20:48 PM |
| GrommetPosse | $25.00 | $25.00 | 4/27/2010 5:19:47 PM |
| MissionMicroFinance | $25.00 | $25.00 | 4/27/2010 5:21:39 PM |
| Searlzy | $25.00 | $25.00 | 4/27/2010 5:19:49 PM |
| anton | $150.00 | $150.00 | 4/27/2010 5:20:05 PM |
| lucky6 | $25.00 | $25.00 | 4/27/2010 5:21:54 PM |
| silver-ace | $50.00 | $50.00 | 4/27/2010 5:22:03 PM |
| thegreatone | $100.00 | $100.00 | 4/27/2010 5:20:33 PM |
| Aleut | $25.00 | $25.00 | 4/27/2010 5:20:38 PM |
| keydet99 | $25.00 | $25.00 | 4/27/2010 5:20:47 PM |
| fsa3 | $25.00 | $25.00 | 4/27/2010 5:22:44 PM |
| engaging-worth | $25.00 | $25.00 | 4/27/2010 5:05:27 PM |
| danfrphils | $25.00 | $25.00 | 4/27/2010 5:21:22 PM |
| lowrate | $25.00 | $25.00 | 4/27/2010 5:21:25 PM |
| xyzlmno | $25.00 | $25.00 | 4/27/2010 5:21:41 PM |
| evnagelist | $25.00 | $25.00 | 4/27/2010 5:23:50 PM |
| decisive-capital | $100.00 | $100.00 | 4/27/2010 5:22:09 PM |
| Ivan2007 | $25.00 | $25.00 | 4/27/2010 5:24:02 PM |
| Ellisdee | $32.57 | $32.57 | 4/27/2010 5:22:43 PM |
| meenan | $25.00 | $25.00 | 4/27/2010 5:24:21 PM |
| telegon | $25.00 | $25.00 | 4/27/2010 5:08:08 PM |
| kenji4861 | $25.00 | $25.00 | 4/27/2010 5:15:08 PM |
| meux99 | $25.00 | $25.00 | 4/27/2010 5:15:41 PM |
| dharma1 | $25.00 | $25.00 | 4/27/2010 5:16:49 PM |
| derfen | $25.00 | $25.00 | 4/27/2010 5:17:39 PM |
| Hoov | $25.00 | $25.00 | 4/27/2010 5:17:49 PM |
| MoJoRisin15 | $25.00 | $25.00 | 4/27/2010 5:18:36 PM |
| kid8549 | $25.00 | $25.00 | 4/27/2010 5:18:53 PM |
| Phillip4ever | $25.00 | $25.00 | 4/27/2010 5:19:01 PM |
| think-become | $25.00 | $25.00 | 4/27/2010 5:20:03 PM |
| honorable-yield | $50.00 | $50.00 | 4/27/2010 5:20:11 PM |
| reefer | $47.25 | $47.25 | 4/27/2010 5:20:20 PM |
| pi31415 | $25.00 | $25.00 | 4/27/2010 5:20:32 PM |
| sajitk | $25.00 | $25.00 | 4/27/2010 5:20:39 PM |
| Emgolda | $25.00 | $25.00 | 4/27/2010 5:20:44 PM |
| acropiloterau2002 | $25.00 | $25.00 | 4/27/2010 5:21:46 PM |
| Cai8899 | $75.00 | $75.00 | 4/27/2010 5:22:14 PM |
| xphile | $25.00 | $25.00 | 4/27/2010 5:22:53 PM |
| nickel-ferret | $25.00 | $25.00 | 4/27/2010 5:24:11 PM |
| Barak | $40.00 | $38.03 | 4/27/2010 5:24:27 PM |
| 12Knocksinna | $25.00 | $25.00 | 4/28/2010 3:04:28 PM |
| paul1 | $50.00 | $50.00 | 4/28/2010 5:49:20 PM |
| GABC-1 | $25.00 | $25.00 | 4/29/2010 3:19:09 PM |
| crawfishcentral | $50.00 | $50.00 | 4/30/2010 1:17:55 PM |
| generous-deal6 | $25.00 | $25.00 | 5/2/2010 9:58:12 PM |
| Dollars4Rent | $25.00 | $25.00 | 5/2/2010 10:39:18 PM |
| 177 bids
|
Borrower Payment Dependent Notes Series
455625
This series of Notes was issued and sold upon the funding of the borrower loan #42355, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
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:
| 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:
| Jul-1991 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
6 | Length of status: | 2y 6m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,169 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| snowdogminn |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 46 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2008)
640-659
(Apr-2008)
640-659
(Oct-2007)
|
|
Principal balance:
| $1,057.35 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 46 | | |
Description
Need a Debt Cosolidation Loan
Purposes of Loan: Debt Consolidation. I currently work for the third largest bank in the U.S. as an Assistant Vice President and & Trust Officer. I have been in the trust field for over two decades. My 2009 salary plus bonus was $75,044.07. We are consolidating the remaining outstanding debt we have other than a auto loan and student loan. Our risk level on Prosper does not correspond with our actual credit report data. We have twelve revolving credit accounts open and all are under $1,200.00 and the interest rates are outrageous! We recently paid off in full another Prosper loan we have and the remaining loan is in good standing and we have never missed any payments.
Rent $1099.00
Auto Loan $ 445.02
Student Loan $ 145.00
Utilities $ 125.00
Credit Card $ 500.00
Auto Insurance $ 100.00
Gross Monthly Salary - Myself $5058.74
Net Monthly Salary After Taxes/Benefits $3310.00
Wife's eBay Business $1200.00
Total Income $4510.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is the nature of the debt(s) you want to consolidate and what is the principal balance, interest rate and monthly payments you are currently making? - jpblan11
A:
All debt is consumer debt. Total revolving balances are $7761.22. Interest rates are from the lowest card 12.00% to the highest card is 31.99%. Monthly Payments are $511.00. Thanks!
(Apr-29-2010)
Q:
Any clue as to why Prosper is $6.6K off from your revolving balance? - jpblan11
A:
Current Credit Reports Dated 04/24/2010
Experian Score: 655
Equifax Score: 700
TransUnion Score: 662
All Report Total Revolving Debt: $3907.00
All Report Total Installment Debt: $44,420.00
We have a total of 18 accounts carrying a balance including the student loan and auto loan. All other accounts are closed and we are trying to consolidate these accounts into one loan on Prosper. We have always paid our debts on time and as agreed for the past eight years.
(Apr-29-2010)
Q:
Hello, could you help us understand why you work for the bank, have a good credit score and yet are willing to get a 34% loan here on prosper? Love the payment history by the way. - myutmost
A:
Excellent question. I have a fair to good credit score. Credit markets are very tight everywhere. If you want a loan that is amortized with fixed payments you need a very high score to obtain one, around 800 +. If you have a lower score you can't even get a loan, and if you qualify the lender requires substantial collateral. One can try opening a new credit card account which I want to avoid because a cash advance to consolidate my debt is going to be about 30% to 35%.
(Apr-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| jhouman | $25.00 | $25.00 | 4/27/2010 10:32:10 AM |
| reflective-rupee | $200.00 | $200.00 | 4/27/2010 9:40:56 PM |
| nodebt2012 | $50.00 | $50.00 | 4/28/2010 10:56:58 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 2:05:43 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 2:06:22 PM |
| gold-cluster | $100.00 | $100.00 | 4/29/2010 8:33:35 PM |
| clemclan | $25.00 | $25.00 | 4/29/2010 10:22:22 PM |
| jpblan11 | $150.00 | $150.00 | 4/30/2010 3:05:45 PM |
| hope-gadget | $50.00 | $50.00 | 5/2/2010 10:02:14 PM |
| zone6 | $75.50 | $75.50 | 5/3/2010 12:25:51 AM |
| bulsa | $89.78 | $89.78 | 5/3/2010 1:36:11 AM |
| Ogerta | $100.00 | $100.00 | 5/3/2010 6:53:46 AM |
| selector568 | $40.15 | $40.15 | 5/3/2010 9:46:08 AM |
| transparency-tomahawk | $25.00 | $25.00 | 5/3/2010 11:08:43 AM |
| eod_man | $145.56 | $145.56 | 5/3/2010 1:05:39 PM |
| Rip128 | $200.00 | $200.00 | 5/3/2010 12:39:47 PM |
| autonomous-truth | $25.00 | $25.00 | 5/3/2010 3:15:13 PM |
| friendinmoney | $100.00 | $100.00 | 5/3/2010 4:00:19 PM |
| Tono | $25.00 | $25.00 | 5/3/2010 4:31:36 PM |
| well-mannered-income3 | $75.00 | $75.00 | 5/3/2010 5:39:29 PM |
| orange-pound-party | $35.00 | $35.00 | 5/3/2010 7:00:54 PM |
| Aberdeen | $400.00 | $400.00 | 5/3/2010 7:07:53 PM |
| Aberdeen | $400.00 | $400.00 | 5/3/2010 7:07:52 PM |
| reflective-rupee | $1,000.00 | $936.78 | 5/3/2010 7:55:03 PM |
| Kash2010lu | $35.00 | $35.00 | 5/3/2010 10:59:18 PM |
| Bob450 | $40.00 | $40.00 | 5/4/2010 7:34:38 AM |
| Skeptical-one | $50.00 | $50.00 | 5/4/2010 8:10:53 AM |
| Leshan | $65.71 | $65.71 | 5/4/2010 7:42:16 AM |
| FrogAndToad | $26.63 | $26.63 | 5/4/2010 8:43:42 AM |
| Ogerta | $300.00 | $300.00 | 5/4/2010 9:08:28 AM |
| nilonc1 | $350.00 | $350.00 | 4/27/2010 7:21:55 PM |
| reflective-rupee | $300.00 | $300.00 | 4/27/2010 9:41:19 PM |
| reflective-rupee | $100.00 | $100.00 | 4/27/2010 9:40:27 PM |
| visionary-deal3 | $100.00 | $100.00 | 4/28/2010 7:43:08 AM |
| MoneyForNothing | $25.00 | $25.00 | 4/28/2010 4:35:22 PM |
| big_balla | $25.00 | $25.00 | 4/28/2010 10:11:24 PM |
| 113121 | $50.00 | $50.00 | 4/29/2010 6:52:41 AM |
| DasMula | $25.00 | $25.00 | 4/29/2010 2:06:06 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 2:05:28 PM |
| Ogerta | $25.00 | $25.00 | 4/29/2010 11:19:22 PM |
| 113121 | $500.00 | $500.00 | 4/30/2010 10:27:22 AM |
| SolarMoonshine | $25.00 | $25.00 | 4/30/2010 5:59:40 PM |
| peso-miser | $75.00 | $75.00 | 5/2/2010 9:14:38 PM |
| Ronnieboy888 | $25.00 | $25.00 | 5/2/2010 9:40:59 PM |
| sgt-schultz | $75.00 | $75.00 | 5/3/2010 6:22:34 AM |
| LeoBUSIIT | $25.00 | $25.00 | 5/3/2010 8:41:01 AM |
| YoungTaxMan | $231.82 | $231.82 | 5/3/2010 11:14:50 AM |
| clemclan | $25.00 | $25.00 | 5/3/2010 3:19:26 PM |
| lucrative-loan | $48.35 | $48.35 | 5/3/2010 2:16:08 PM |
| shrewd-income | $100.00 | $100.00 | 5/3/2010 5:55:04 PM |
| Ray3486 | $25.00 | $25.00 | 5/3/2010 6:55:38 PM |
| Aberdeen | $500.00 | $500.00 | 5/3/2010 7:07:51 PM |
| Aberdeen | $400.00 | $400.00 | 5/3/2010 7:12:23 PM |
| Bob450 | $40.00 | $40.00 | 5/3/2010 8:48:06 PM |
| twjh | $25.00 | $25.00 | 5/3/2010 7:55:48 PM |
| JustMee | $25.00 | $25.00 | 5/3/2010 8:10:32 PM |
| clemclan | $25.00 | $25.00 | 5/3/2010 9:22:56 PM |
| NekHoldings | $25.00 | $25.00 | 5/4/2010 5:29:30 AM |
| carrinel | $39.72 | $39.72 | 5/4/2010 6:26:18 AM |
| gold-cluster | $100.00 | $100.00 | 5/4/2010 6:47:17 AM |
| Ogerta | $200.00 | $200.00 | 5/4/2010 8:06:18 AM |
| UCLA4life | $25.00 | $25.00 | 5/4/2010 8:10:40 AM |
| NV_Funding | $50.00 | $50.00 | 5/4/2010 8:27:24 AM |
| ore-dojo | $25.00 | $25.00 | 5/4/2010 9:13:41 AM |
| 64 bids
|
Borrower Payment Dependent Notes Series
455969
This series of Notes was issued and sold upon the funding of the borrower loan #42329, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,600.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $162.85 |
|
Final lender yield:
| 32.99% |
Final borrower rate/APR:
| 33.99% / 36.43% |
Final monthly payment:
| $160.80 |
| |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.77% | | |
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:
| Nov-1998 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 7m |
|
Credit score:
| 620-639 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,147 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 16 | | | | |
|
Screen name:
| joegator12 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,250.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Oct-2009)
640-659
(Sep-2008)
|
|
Principal balance:
| $1,406.58 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Paying for school and credit cards
Purpose of loan:
This loan will be used to pay off?two credit cards and pay for my graduate program.? It seems I pay large amounts each month to high interest cards and I can never make a dent into the principal amount.
My financial situation:
I would like to add that all payments will be automatically deducted from my account through the automatic deduction option on repaying this loan. PAYMENTS WILL BE ON TIME!?? As you can see from my past history, with prosper I have never been late and always pay.
I am a good candidate for this loan because I have an amazing and stable job in biotech sales and I am back on track finally to fixing any discrepancies on my credit history. I am new to Prosper and looking to repair some past mistakes to my credit. I am a college graduate with an incredible job in the Biotech industry and will be attending a MBA program at the country?s largest research university. No worries, my employer will be paying for school, but I will be looking to start a major campaign to repair my credit. I am trying to repair some damage I made while in undergraduate. I had a couple of set backs in school, the most pressing was the death of my younger brother, but I am finally at the point financially and emotionally for a fresh start. These setbacks knocked me off balance for a little bit, but now I am ready and willing to do all in my power to fix my past mistakes. The only problem is that it is extremely hard to get a start. I have applied, without success, on several occasions for a bank funded loan, but I feel my past mistakes are just too great. Unfortunately, I do not have the opportunity to explain to them that those mistakes were a one time occurrence during an extremely difficult time in my life. I have an amazing job (employed for over a year now) that pays for my needs four times over, but now all I want to do is use those extra funds to help me restore my credit. I have begun with little payments here and there, but I really need to pay a credit card in full that is currently in collections. Thank you so much for any consideration and understanding.
Monthly net income: $ 2450.00 + commissions ($ +600.00)
Monthly expenses: $ 2096
Housing: $ 1100.00
Insurance: $ 105.00
Car/Gas expenses: $120.00
Utilities: $ 95.00
Phone, cable, internet: $ 66.00
Food, entertainment: $ 350.00
Credit cards and other loans: $ 260.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
At what principal amounts and interest rates are any debts you owe? - Serpent2801
A:
Thank you for the question. Other than my previous Prosper loan, I have a school loan at 3% for 48,000 and two credit cards. The total on both of those cards ( with about 29% APR on both) is about 2800, but uses about 90% of my total available credit. This seems to hurt my credit worse than it already is. These are the main reasons for this loan, to pay down the debt on these cards and use the remaining to help with school for my post- bac program. Please let me know if i can answer any
(Apr-29-2010)
Q:
I'm confused. Is part of this loan paying for schooling (how much?), or is your employer paying that bill for you? - new-peso-concerto
A:
Yes, my work is paying for most of my tuition, but not all. I still must cover the difference (about $700 a semester) for books and what ever my contract doesn't cover. I'm allowed around $2,000 a year in continuing education reimbursements.
(Apr-29-2010)
Q:
Congratulations on paying your Prosper loan on time. Once you pay off those 2 cards, don't close the accounts - that will hurt your credit score. Just don't use them. Best of luck on your listing. - tigercat
A:
thanks so much. I will certainly do that.
(Apr-30-2010)
Q:
No need to reply, the portion of graduate degree paid by if it is used to maintain or improve your skills and is in a related field in which you are now employed is tax deductible. - jpblan11
A:
This is awesome news. I will certainly look into this. Thanks so much.
(May-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| finance-prescription | $50.00 | $50.00 | 4/27/2010 10:00:59 AM |
| reflective-rupee | $100.00 | $100.00 | 4/27/2010 9:44:57 PM |
| winmals | $25.00 | $25.00 | 4/28/2010 1:04:32 PM |
| new-peso-concerto | $50.00 | $50.00 | 4/30/2010 9:00:55 AM |
| chameleon125 | $50.00 | $50.00 | 5/3/2010 8:10:26 AM |
| Skeptical-one | $25.00 | $25.00 | 5/3/2010 9:17:38 AM |
| YoungTaxMan | $350.00 | $350.00 | 5/3/2010 11:28:52 AM |
| eod_man | $134.00 | $134.00 | 5/3/2010 1:16:57 PM |
| MrDance123 | $25.00 | $25.00 | 5/3/2010 3:39:43 PM |
| patriot384 | $50.00 | $50.00 | 5/3/2010 3:30:56 PM |
| Tono | $25.00 | $25.00 | 5/3/2010 4:38:48 PM |
| golffish2 | $200.00 | $200.00 | 5/3/2010 3:57:37 PM |
| jpblan11 | $28.69 | $28.69 | 5/3/2010 5:20:19 PM |
| FinanceEngine | $25.00 | $25.00 | 5/3/2010 4:55:56 PM |
| SFBank | $200.00 | $200.00 | 5/3/2010 6:41:18 PM |
| spiff666 | $25.00 | $25.00 | 5/3/2010 8:42:55 PM |
| charitycoon | $25.00 | $25.00 | 5/3/2010 8:02:09 PM |
| vigilance-searcher | $25.00 | $25.00 | 5/3/2010 11:03:15 PM |
| Kash2010lu | $25.00 | $25.00 | 5/3/2010 11:09:36 PM |
| kevlar | $25.00 | $25.00 | 5/4/2010 12:16:13 AM |
| Evolver | $35.52 | $35.52 | 5/4/2010 2:13:46 AM |
| Bobusa | $25.00 | $25.00 | 5/4/2010 5:06:56 AM |
| NekHoldings | $25.00 | $25.00 | 5/4/2010 5:31:37 AM |
| market-pudding | $25.00 | $25.00 | 5/4/2010 6:37:51 AM |
| Mikale360 | $25.00 | $25.00 | 5/4/2010 6:43:47 AM |
| ZOOOM | $25.00 | $25.00 | 5/4/2010 6:58:48 AM |
| DasMula | $25.00 | $25.00 | 5/4/2010 7:24:57 AM |
| friendinmoney | $50.00 | $50.00 | 5/4/2010 9:05:49 AM |
| 113121 | $800.00 | $426.45 | 5/4/2010 8:41:28 AM |
| Bob450 | $25.00 | $25.00 | 5/4/2010 9:13:45 AM |
| reflective-rupee | $100.00 | $100.00 | 4/27/2010 9:45:19 PM |
| reflective-rupee | $100.00 | $100.00 | 4/27/2010 9:46:27 PM |
| market-pudding | $25.00 | $25.00 | 4/28/2010 11:45:13 AM |
| alexgalt | $50.00 | $50.00 | 4/28/2010 8:35:16 PM |
| SolarMoonshine | $25.00 | $25.00 | 4/29/2010 6:04:14 PM |
| allbalooboy2 | $25.00 | $25.00 | 4/30/2010 6:24:26 AM |
| leverage-monger | $25.00 | $25.00 | 4/30/2010 4:32:35 PM |
| Serpent2801 | $25.00 | $25.00 | 5/2/2010 9:29:34 PM |
| Ronnieboy888 | $50.00 | $50.00 | 5/2/2010 9:43:21 PM |
| jpblan11 | $25.00 | $25.00 | 5/3/2010 4:07:59 AM |
| lucrative-loan | $53.00 | $53.00 | 5/3/2010 6:11:01 AM |
| shrewd-income | $25.00 | $25.00 | 5/3/2010 7:38:25 AM |
| LeoBUSIIT | $25.00 | $25.00 | 5/3/2010 8:43:32 AM |
| realtormoises | $25.00 | $25.00 | 5/3/2010 1:46:15 PM |
| yield-zoomer | $50.00 | $50.00 | 5/3/2010 3:29:59 PM |
| Bob450 | $50.00 | $50.00 | 5/3/2010 3:39:57 PM |
| Frosty | $25.00 | $25.00 | 5/3/2010 3:55:43 PM |
| shrewd-income | $75.00 | $75.00 | 5/3/2010 5:46:35 PM |
| Hummer-Guy | $25.00 | $25.00 | 5/3/2010 5:19:13 PM |
| zeeexsixare | $25.00 | $25.00 | 5/3/2010 7:18:47 PM |
| twjh | $25.00 | $25.00 | 5/3/2010 7:22:37 PM |
| sparkling-funds | $25.00 | $25.00 | 5/3/2010 7:46:00 PM |
| Trespass4 | $60.00 | $60.00 | 5/4/2010 5:10:16 AM |
| dynrep | $25.00 | $25.00 | 5/4/2010 7:23:13 AM |
| wealth-multiplier | $25.00 | $25.00 | 5/4/2010 7:58:59 AM |
| income-rocker2 | $27.34 | $27.34 | 5/4/2010 7:40:14 AM |
| dgagli1 | $25.00 | $25.00 | 5/4/2010 8:51:09 AM |
| credit-coach118 | $35.00 | $35.00 | 5/4/2010 8:58:31 AM |
| payout-bridge | $350.00 | $350.00 | 5/4/2010 9:16:11 AM |
| aquistoyraul | $25.00 | $25.00 | 5/4/2010 9:13:40 AM |
| 60 bids
|
Borrower Payment Dependent Notes Series
456079
This series of Notes was issued and sold upon the funding of the borrower loan #42364, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Apr-28-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $108.28 |
|
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $108.23 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 4% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 11m |
|
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 8 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $307 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ChakaMB |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Social Responsibility
This loan will be used to fund an inventory expansion for Chaka MarketBridge. Chaka MarketBridge helps artisans in Nicaragua. The artisans use their trade and businesses to provide for their families and make a meaningful impact in their communities.
Chaka buys products from these artisans, allowing them access to greater demand and higher sales, helping them to keep their businesses solvent. To learn more, please visit our website at http://www.chakamarketbridge.com
This business is a venture that four partners and I work at on the side. I have a secure full-time job, as do my partners. I have worked hard to obtain my excellent credit rating and will do what it takes to maintain it. I can safely make the payments on this loan.
Please help my partners and I make a difference in the lives of Nicaraguan artisans. Thanks for your consideration
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| meux99 | $25.00 | $25.00 | 4/28/2010 5:09:17 PM |
| dharma1 | $25.00 | $25.00 | 4/28/2010 5:09:39 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 4/28/2010 5:08:28 PM |
| microloan-green | $25.00 | $25.00 | 4/28/2010 5:09:01 PM |
| Artist_Blue | $25.00 | $25.00 | 4/28/2010 5:15:21 PM |
| iolaire | $25.00 | $25.00 | 4/28/2010 5:17:12 PM |
| castleman | $25.00 | $25.00 | 4/28/2010 5:16:49 PM |
| income-excellence1 | $25.00 | $25.00 | 4/28/2010 5:17:04 PM |
| Divot | $25.00 | $25.00 | 4/28/2010 5:19:14 PM |
| kenji4861 | $50.00 | $50.00 | 4/28/2010 5:07:13 PM |
| careful-note | $50.00 | $50.00 | 4/28/2010 5:20:48 PM |
| dlshap | $25.00 | $25.00 | 4/28/2010 5:19:10 PM |
| bright-balance | $25.00 | $25.00 | 4/28/2010 5:20:57 PM |
| TakeCare | $100.00 | $100.00 | 4/28/2010 5:21:01 PM |
| figs4u2 | $80.00 | $80.00 | 4/28/2010 5:21:35 PM |
| investment-network | $25.00 | $25.00 | 4/28/2010 5:21:43 PM |
| tenacious-compassion9 | $30.00 | $30.00 | 4/28/2010 5:20:51 PM |
| Daneistes | $100.00 | $100.00 | 4/28/2010 5:21:07 PM |
| antlr | $25.00 | $25.00 | 4/28/2010 5:21:10 PM |
| JGB | $25.00 | $25.00 | 4/28/2010 5:21:23 PM |
| GiantAardvark | $25.00 | $25.00 | 4/28/2010 5:21:32 PM |
| afotherg | $25.00 | $25.00 | 4/28/2010 5:21:39 PM |
| hookUup | $25.00 | $25.00 | 4/28/2010 5:21:45 PM |
| thorough-exchange4 | $40.00 | $36.67 | 4/28/2010 5:21:47 PM |
| Taxman44 | $25.00 | $25.00 | 4/28/2010 5:15:08 PM |
| CaptainBlueberry | $25.00 | $25.00 | 4/28/2010 5:15:58 PM |
| balanced-bill7 | $50.00 | $50.00 | 4/28/2010 5:16:32 PM |
| finance-negotiator2 | $25.00 | $25.00 | 4/28/2010 5:17:02 PM |
| Marathoner | $25.00 | $25.00 | 4/28/2010 5:18:52 PM |
| GrommetPosse | $25.00 | $25.00 | 4/28/2010 5:19:33 PM |
| fcukciti | $50.00 | $50.00 | 4/28/2010 5:20:02 PM |
| nickel-ferret | $25.00 | $25.00 | 4/28/2010 5:20:35 PM |
| DukSerduk | $25.00 | $25.00 | 4/28/2010 5:21:13 PM |
| interest-jedi0 | $50.00 | $50.00 | 4/28/2010 5:21:27 PM |
| MoneySiles | $25.00 | $25.00 | 4/28/2010 5:21:41 PM |
| julijask | $35.00 | $35.00 | 4/29/2010 8:53:23 AM |
| Okeey | $75.00 | $75.00 | 4/29/2010 8:10:53 AM |
| springpanda | $25.00 | $25.00 | 4/29/2010 1:10:36 PM |
| tsmonaghan | $25.00 | $25.00 | 4/29/2010 1:42:59 PM |
| swerd | $26.49 | $26.49 | 4/29/2010 1:54:46 PM |
| ScoopnDots | $75.00 | $75.00 | 4/29/2010 7:41:03 PM |
| platinum-rapture6 | $25.00 | $25.00 | 4/30/2010 11:19:08 AM |
| FloridaBookie | $25.00 | $25.00 | 4/30/2010 12:32:50 PM |
| duke12 | $30.62 | $30.62 | 4/30/2010 10:49:27 AM |
| SpotLending | $50.00 | $50.00 | 4/30/2010 4:04:43 PM |
| giovani | $25.00 | $25.00 | 5/3/2010 1:42:51 AM |
| jackdempsey | $150.00 | $150.00 | 5/4/2010 3:33:48 AM |
| Favish | $100.00 | $100.00 | 5/4/2010 7:38:21 AM |
| selo80 | $25.00 | $25.00 | 5/4/2010 10:31:39 AM |
| julijask | $25.00 | $25.00 | 5/4/2010 10:20:47 AM |
| selector568 | $500.00 | $500.00 | 5/4/2010 10:24:17 AM |
| Chesterite | $25.00 | $25.00 | 5/4/2010 11:16:22 AM |
| loan-warrior | $25.00 | $25.00 | 4/28/2010 5:15:10 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 4/28/2010 5:16:39 PM |
| credit-scout7 | $30.00 | $30.00 | 4/28/2010 5:16:47 PM |
| telegon | $25.00 | $25.00 | 4/28/2010 5:16:51 PM |
| harty | $60.00 | $60.00 | 4/28/2010 5:16:56 PM |
| evnagelist | $25.00 | $25.00 | 4/28/2010 5:20:16 PM |
| fantastic-openness | $50.00 | $50.00 | 4/28/2010 5:20:53 PM |
| bonus-adventure3 | $25.00 | $25.00 | 4/28/2010 5:21:05 PM |
| tender-integrity3 | $50.00 | $50.00 | 4/28/2010 5:09:21 PM |
| kulender | $25.00 | $25.00 | 4/28/2010 5:21:18 PM |
| Ivan2007 | $25.00 | $25.00 | 4/28/2010 5:20:29 PM |
| meenan | $25.00 | $25.00 | 4/28/2010 5:20:42 PM |
| money-surge1 | $25.00 | $25.00 | 4/28/2010 5:21:30 PM |
| blot44 | $25.00 | $25.00 | 4/28/2010 5:24:23 PM |
| nickel-advocator | $25.00 | $25.00 | 4/28/2010 5:17:11 PM |
| truth-image | $50.00 | $50.00 | 4/28/2010 5:20:23 PM |
| delicious-social132 | $40.00 | $40.00 | 4/28/2010 5:20:39 PM |
| healingangel22 | $25.00 | $25.00 | 4/29/2010 8:52:48 AM |
| wwwUniversal | $25.00 | $25.00 | 4/29/2010 9:36:55 AM |
| turbospeed | $25.00 | $25.00 | 4/29/2010 11:53:34 PM |
| patrickj79 | $32.22 | $32.22 | 4/29/2010 8:40:52 PM |
| HealthAndSafety | $100.00 | $100.00 | 4/30/2010 11:13:33 AM |
| RandyL3 | $99.00 | $99.00 | 4/30/2010 12:21:34 PM |
| JohnSmith10 | $50.00 | $50.00 | 5/2/2010 9:59:55 PM |
| LendingRyan | $25.00 | $25.00 | 5/3/2010 7:06:49 AM |
| debt-legend | $25.00 | $25.00 | 5/3/2010 9:10:25 AM |
| Approved | $25.00 | $25.00 | 5/3/2010 7:22:29 PM |
| socal-lender | $25.00 | $25.00 | 5/3/2010 7:37:46 PM |
| octoberfresh | $25.00 | $25.00 | 5/4/2010 10:21:32 AM |
| 81 bids
|
Borrower Payment Dependent Notes Series
456121
This series of Notes was issued and sold upon the funding of the borrower loan #42367, 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-28-2010 |
| |
Auction end date:
| Apr-29-2010 |
|
|
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-1990 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 3m |
|
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 19 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $452 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 22 | | | | |
|
Screen name:
| elegant-note |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
helping my brother with his divorce
Purpose of loan:
This loan will be used to?help my brother with a nasty divorce and get some dental work
My financial situation:my financial situation is good have $3800 left on a truck payment.
I am a good candidate for this loan because?have very little expenses and will help with my credit worthiness.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| b2m80s | $25.00 | $25.00 | 4/28/2010 5:08:23 PM |
| social-conductor4 | $25.00 | $25.00 | 4/28/2010 5:09:43 PM |
| jrbill1998 | $50.00 | $50.00 | 4/28/2010 5:10:35 PM |
| Supernick | $25.00 | $25.00 | 4/28/2010 5:10:52 PM |
| copper | $30.00 | $30.00 | 4/28/2010 5:10:18 PM |
| thedreamer | $25.00 | $25.00 | 4/28/2010 5:11:18 PM |
| xyzlmno | $25.00 | $25.00 | 4/28/2010 5:10:28 PM |
| cablenews | $25.00 | $25.00 | 4/28/2010 5:11:56 PM |
| JGB | $25.00 | $25.00 | 4/28/2010 5:11:23 PM |
| greenwell | $25.00 | $25.00 | 4/28/2010 5:12:20 PM |
| integrity-doctor | $58.00 | $58.00 | 4/28/2010 5:12:47 PM |
| capital-web193 | $25.00 | $25.00 | 4/28/2010 5:12:59 PM |
| ukstevenhawaii | $50.00 | $50.00 | 4/28/2010 5:12:13 PM |
| autonomous-truth | $25.00 | $25.00 | 4/28/2010 5:13:11 PM |
| icecoldcash | $25.00 | $25.00 | 4/28/2010 5:13:14 PM |
| Streetfighter | $50.00 | $50.00 | 4/28/2010 5:12:37 PM |
| unforgettable-order9 | $25.00 | $25.00 | 4/28/2010 5:12:42 PM |
| S-Master | $25.00 | $25.00 | 4/28/2010 5:12:54 PM |
| secobarbital | $25.00 | $25.00 | 4/28/2010 5:13:57 PM |
| delivery | $25.00 | $25.00 | 4/28/2010 5:14:19 PM |
| important-ore | $50.00 | $50.00 | 4/28/2010 5:13:19 PM |
| deal-secret-agent | $25.00 | $25.00 | 4/28/2010 5:13:26 PM |
| famous-bill | $50.00 | $50.00 | 4/28/2010 5:13:34 PM |
| balanced-bill7 | $75.00 | $75.00 | 4/28/2010 5:13:42 PM |
| KevinC_63366 | $25.00 | $25.00 | 4/28/2010 5:14:22 PM |
| loanfairy | $25.00 | $25.00 | 4/28/2010 5:21:16 PM |
| reward-adventure | $30.00 | $30.00 | 4/28/2010 5:10:25 PM |
| PRGuyinVA | $25.00 | $25.00 | 4/28/2010 5:10:31 PM |
| ssh1983 | $25.00 | $25.00 | 4/28/2010 5:10:41 PM |
| jonbozeman | $25.00 | $25.00 | 4/28/2010 5:11:26 PM |
| finance-prescription | $100.00 | $100.00 | 4/28/2010 5:23:28 PM |
| Banker7371 | $25.00 | $25.00 | 4/28/2010 5:11:47 PM |
| unforgettable-fund2 | $25.00 | $25.00 | 4/28/2010 5:11:50 PM |
| Midwestvalues | $100.00 | $100.00 | 4/28/2010 5:12:11 PM |
| rhin0cerx | $50.00 | $50.00 | 4/28/2010 5:12:16 PM |
| Rattlehead | $25.00 | $25.00 | 4/28/2010 5:12:29 PM |
| magnolia161 | $25.00 | $25.00 | 4/28/2010 5:12:33 PM |
| responsive-transaction8 | $25.00 | $25.00 | 4/28/2010 5:13:24 PM |
| daekpon | $25.00 | $25.00 | 4/28/2010 5:41:54 PM |
| interest-griffin | $25.00 | $25.00 | 4/28/2010 5:10:11 PM |
| circuitfive | $25.00 | $25.00 | 4/28/2010 5:10:15 PM |
| return-eclipse0 | $25.00 | $25.00 | 4/28/2010 5:10:22 PM |
| actvtrdr | $35.00 | $35.00 | 4/28/2010 5:10:44 PM |
| Kaj | $25.00 | $25.00 | 4/28/2010 5:09:49 PM |
| GiantAardvark | $25.00 | $25.00 | 4/28/2010 5:11:00 PM |
| brother_tam | $50.00 | $50.00 | 4/28/2010 5:10:00 PM |
| MARWARISETH | $25.00 | $25.00 | 4/28/2010 5:11:12 PM |
| lagnisiruk | $25.00 | $25.00 | 4/28/2010 5:11:30 PM |
| orderly-leverage | $30.00 | $30.00 | 4/28/2010 5:10:38 PM |
| newest-inspiring-power | $25.00 | $25.00 | 4/28/2010 5:11:44 PM |
| gjh37 | $25.00 | $25.00 | 4/28/2010 5:10:47 PM |
| deal-hickory5 | $25.00 | $25.00 | 4/28/2010 5:11:04 PM |
| Zolton | $200.00 | $200.00 | 4/28/2010 5:12:08 PM |
| red-favorable-basis | $25.00 | $25.00 | 4/28/2010 5:12:23 PM |
| kindness-percolator5 | $25.00 | $25.00 | 4/28/2010 5:11:41 PM |
| personal-lender | $25.00 | $25.00 | 4/28/2010 5:12:01 PM |
| Marathoner | $25.00 | $25.00 | 4/28/2010 5:12:57 PM |
| frogperson | $25.00 | $25.00 | 4/28/2010 5:13:28 PM |
| DcUnited | $25.00 | $25.00 | 4/28/2010 5:13:40 PM |
| life-is-great | $25.00 | $25.00 | 4/28/2010 5:14:02 PM |
| Artist_Blue | $25.00 | $25.00 | 4/28/2010 5:13:05 PM |
| lending_pugs | $25.00 | $25.00 | 4/28/2010 5:14:23 PM |
| marketplace-buckeye | $25.00 | $25.00 | 4/28/2010 5:13:44 PM |
| decisive-capital | $75.00 | $75.00 | 4/28/2010 5:14:12 PM |
| satanichammy | $25.00 | $25.00 | 4/28/2010 5:14:21 PM |
| FeedTheMachine | $43.59 | $12.00 | 4/28/2010 5:14:25 PM |
| shrewd-peace7 | $30.00 | $30.00 | 4/28/2010 5:09:24 PM |
| thorough-exchange4 | $25.00 | $25.00 | 4/28/2010 5:10:04 PM |
| gelidfrank | $25.00 | $25.00 | 4/28/2010 5:10:08 PM |
| burrito6 | $25.00 | $25.00 | 4/28/2010 5:11:14 PM |
| fortytwo | $50.00 | $50.00 | 4/28/2010 5:11:34 PM |
| supreme-hope | $25.00 | $25.00 | 4/28/2010 5:11:38 PM |
| castleman | $25.00 | $25.00 | 4/28/2010 5:13:48 PM |
| 73 bids
|
Borrower Payment Dependent Notes Series
456155
This series of Notes was issued and sold upon the funding of the borrower loan #42351, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 12.50% |
Starting borrower rate/APR:
| 13.50% / 17.14% |
Starting monthly payment:
| $33.94 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 14.58% |
Final monthly payment:
| $32.74 |
| |
|
Auction yield range:
| 4.04% - 12.50% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1980 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 8m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 38 |
Occupation: | Bus Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,619 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| forthright-integrity |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Car needs new tires
Purpose of loan: New tires in order to sell car for best possible price.
My financial situation:
The proceeds of this loan will be used first to put a set of
new tires 2006 Mazda
Miata, which will then be sold.? That accounts for $500.? The remainder will pay off or reduce the balances of some higher interest accounts.?
We were hit by a large tax bill this year due to a combination of
inadequate withholding and an unexpected
windfall at year end.? My wife has a second
job as an independent contractor and this employer gave her a bonus in December which more
than doubled her earnings for the year.? While
the bonus was much appreciated, it created a bit of a problem for us.? Due to the relatively small income, there was no income tax
withholding during the year and now payroll taxes plus regular income tax on
that additional, larger than expected income are due.We have the cash to cover most of the
tax bill, the rest will have to be paid in installments and the savings from
eliminating one car payment will free up the funds for the remaining tax bill
plus this loan, and leave us some breathing room besides.We?ve increased our withholding this year so we won?t be
faced with the same situation next April.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Stavros | $75.00 | $75.00 | 4/27/2010 5:28:17 PM |
| ToloUSN | $50.00 | $50.00 | 5/3/2010 4:50:45 PM |
| Approved | $25.00 | $25.00 | 5/3/2010 7:22:08 PM |
| rome1426 | $25.00 | $25.00 | 5/3/2010 10:40:14 PM |
| wild-orange | $40.00 | $40.00 | 5/4/2010 12:49:50 AM |
| mpatrick | $25.00 | $25.00 | 5/4/2010 9:24:40 AM |
| leverage-monger | $25.00 | $25.00 | 5/4/2010 9:24:45 AM |
| leverage-monger | $35.00 | $35.00 | 5/4/2010 11:21:50 AM |
| Nasdaq | $25.00 | $25.00 | 5/4/2010 12:12:37 PM |
| leverage-monger | $96.00 | $96.00 | 5/4/2010 4:47:16 PM |
| basejump0 | $25.00 | $25.00 | 4/29/2010 11:00:13 PM |
| IcedMochaFund | $25.00 | $25.00 | 5/3/2010 11:32:47 AM |
| csak13 | $50.00 | $50.00 | 5/3/2010 11:44:52 AM |
| heeeley | $25.00 | $25.00 | 5/4/2010 10:16:47 AM |
| wild-orange | $60.00 | $60.00 | 5/4/2010 10:33:17 AM |
| leverage-monger | $40.00 | $40.00 | 5/4/2010 11:23:51 AM |
| LeoBUSIIT | $25.00 | $25.00 | 5/4/2010 11:39:53 AM |
| leverage-monger | $30.00 | $30.00 | 5/4/2010 10:52:28 AM |
| leverage-monger | $45.00 | $45.00 | 5/4/2010 1:56:20 PM |
| uralrider | $28.35 | $28.35 | 5/4/2010 3:01:30 PM |
| yogi1975 | $25.00 | $25.00 | 5/4/2010 4:07:23 PM |
| patriot384 | $200.00 | $170.65 | 5/4/2010 5:03:20 PM |
| p2p-mover0 | $30.00 | $30.00 | 5/4/2010 5:01:21 PM |
| 23 bids
|
Borrower Payment Dependent Notes Series
456157
This series of Notes was issued and sold upon the funding of the borrower loan #42361, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Apr-28-2010 |
| |
Auction end date:
| May-05-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
8 | Length of status: | 10y 10m |
|
Credit score:
| 620-639 (Apr-2010) |
Total credit lines:
| 23 |
Occupation: | Truck Driver |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $2,277 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $27,098 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| jpp1972 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 20 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
special needs
Purpose of loan:
This loan will be used to?get my son special shoes.He?needs some custom made shoes and special furniture?
My financial situation:
I am a good candidate for this loan because?I need some help now.I will repay every cent.Please help?if you can?
Monthly net income: $ 4400.00
Monthly expenses: $
??Housing: $ 1421????
??Insurance: $ 100.00
??Car expenses: $ 0.00
??Utilities: $ 175.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 50.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| YoungTaxMan | $50.00 | $50.00 | 4/28/2010 5:15:30 PM |
| finance-prescription | $50.00 | $50.00 | 4/28/2010 5:22:18 PM |
| SolarMoonshine | $25.00 | $25.00 | 4/29/2010 5:51:50 PM |
| ScoopnDots | $100.00 | $100.00 | 4/29/2010 8:36:54 PM |
| MilitaryLending | $100.00 | $100.00 | 5/3/2010 12:39:13 AM |
| mrxtravis | $124.85 | $124.85 | 5/4/2010 10:03:30 AM |
| vigilance-searcher | $50.00 | $50.00 | 5/4/2010 11:57:18 AM |
| allbalooboy2 | $50.00 | $50.00 | 5/4/2010 12:38:52 PM |
| respectful-credit3 | $116.08 | $116.08 | 5/4/2010 5:41:06 PM |
| wwwUniversal | $25.00 | $25.00 | 5/4/2010 6:00:46 PM |
| reflective-rupee | $25.00 | $25.00 | 5/4/2010 8:43:04 PM |
| truth-trapper | $50.00 | $50.00 | 5/4/2010 6:25:38 PM |
| McDeeter | $25.00 | $25.00 | 5/5/2010 6:59:16 AM |
| frugalinvestor20 | $25.00 | $25.00 | 4/28/2010 5:22:15 PM |
| Jasmel | $400.00 | $307.59 | 4/28/2010 5:24:50 PM |
| selector568 | $25.00 | $25.00 | 4/29/2010 1:43:05 AM |
| Iza13 | $26.48 | $26.48 | 4/28/2010 6:11:36 PM |
| alexgalt | $25.00 | $25.00 | 4/28/2010 11:33:01 PM |
| reflective-rupee | $100.00 | $100.00 | 5/4/2010 10:30:28 AM |
| Aberdeen | $400.00 | $400.00 | 5/4/2010 10:11:04 AM |
| investment-tempo | $50.00 | $50.00 | 5/4/2010 2:04:59 PM |
| FASTIZIO_P | $25.00 | $25.00 | 5/4/2010 5:13:55 PM |
| reflective-rupee | $50.00 | $50.00 | 5/4/2010 8:43:49 PM |
| reflective-rupee | $25.00 | $25.00 | 5/4/2010 8:43:37 PM |
| chameleon125 | $50.00 | $50.00 | 5/4/2010 9:15:16 PM |
| Tono | $25.00 | $25.00 | 5/4/2010 5:54:23 PM |
| McDeeter | $25.00 | $25.00 | 5/5/2010 6:59:00 AM |
| dudebrah | $25.00 | $25.00 | 5/5/2010 9:03:08 AM |
| exchange-cowbell5 | $25.00 | $25.00 | 5/5/2010 10:35:28 AM |
| 29 bids
|
Borrower Payment Dependent Notes Series
456303
This series of Notes was issued and sold upon the funding of the borrower loan #42337, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Apr-30-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 35.05% |
Final monthly payment:
| $43.00 |
| |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
12 | Length of status: | 4y 4m |
|
Credit score:
| 600-619 (Apr-2010) |
Total credit lines:
| 68 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,658 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ajncj |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Jul-2008)
|
|
Principal balance:
| $571.70 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Graduation Expenses
Purpose of loan:
This loan will be used to?
Fund graduation expenses for my son.
My financial situation:
I am a good candidate for this loan because I pay my current loan on time and I have been working hard to keep my current bills up to date.
Monthly net income: $ 4800
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| usedtoborrow | $25.00 | $25.00 | 4/30/2010 3:34:01 PM |
| shawnw2 | $50.00 | $50.00 | 4/30/2010 4:00:29 PM |
| alexgalt | $25.00 | $25.00 | 4/30/2010 3:49:35 PM |
| jpblan11 | $25.00 | $25.00 | 4/30/2010 4:18:14 PM |
| reflective-rupee | $100.00 | $25.00 | 4/30/2010 4:34:44 PM |
| SolarMoonshine | $25.00 | $25.00 | 4/30/2010 5:56:10 PM |
| CA_Lender | $25.00 | $25.00 | 5/3/2010 12:55:14 AM |
| TheSweetLender | $50.00 | $50.00 | 5/3/2010 5:20:02 PM |
| fund-secret-agent | $25.00 | $25.00 | 5/3/2010 10:37:25 PM |
| MilitaryLending | $25.00 | $25.00 | 5/4/2010 6:07:55 AM |
| UCLA4life | $25.00 | $25.00 | 5/4/2010 9:52:48 AM |
| finance-prescription | $50.00 | $50.00 | 4/30/2010 3:48:17 PM |
| twjh | $25.00 | $25.00 | 5/2/2010 11:30:45 PM |
| Aberdeen | $400.00 | $400.00 | 5/2/2010 11:27:54 PM |
| twjh | $25.00 | $25.00 | 5/2/2010 11:27:56 PM |
| transaction-circuit | $25.00 | $25.00 | 5/4/2010 9:50:28 AM |
| icanhasloanz | $100.00 | $100.00 | 5/4/2010 2:46:35 PM |
| reflective-rupee | $25.00 | $25.00 | 5/4/2010 2:57:38 PM |
| market-pudding | $25.00 | $25.00 | 5/4/2010 2:52:49 PM |
| 19 bids
|
Borrower Payment Dependent Notes Series
456335
This series of Notes was issued and sold upon the funding of the borrower loan #42366, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Apr-28-2010 |
| |
Auction end date:
| Apr-30-2010 |
|
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $207.85 |
|
Final lender yield:
| 26.25% |
Final borrower rate/APR:
| 27.25% / 29.59% |
Final monthly payment:
| $204.80 |
| |
|
Auction yield range:
| 11.04% - 27.38% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
10 | Length of status: | 9y 5m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 46 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,155 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-entertaining-liberty |
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 car loan at higher rate
Purpose of loan:
This loan will be used to? payoff auto financed at higher rate & dell account?
My financial situation:
I am a good candidate for this loan because? I am working toward paying off debt
Monthly net income: $ 3000
Monthly expenses: $ 2500
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AF-Chief | $28.00 | $28.00 | 4/28/2010 5:09:50 PM |
| autonomous-truth | $25.00 | $25.00 | 4/28/2010 5:09:54 PM |
| actvtrdr | $35.00 | $35.00 | 4/28/2010 5:10:43 PM |
| Supernick | $25.00 | $25.00 | 4/28/2010 5:10:50 PM |
| copper | $30.00 | $30.00 | 4/28/2010 5:10:16 PM |
| bassman2 | $25.00 | $25.00 | 4/28/2010 5:11:15 PM |
| PRGuyinVA | $25.00 | $25.00 | 4/28/2010 5:10:30 PM |
| jrbill1998 | $50.00 | $50.00 | 4/28/2010 5:10:32 PM |
| unforgettable-fund2 | $25.00 | $25.00 | 4/28/2010 5:11:49 PM |
| contract-giant | $25.00 | $25.00 | 4/28/2010 5:11:13 PM |
| thedreamer | $25.00 | $25.00 | 4/28/2010 5:11:21 PM |
| integrity-doctor | $100.00 | $100.00 | 4/28/2010 5:12:45 PM |
| ukstevenhawaii | $50.00 | $50.00 | 4/28/2010 5:12:12 PM |
| capital-web193 | $25.00 | $25.00 | 4/28/2010 5:13:01 PM |
| supreme-bonus0 | $25.00 | $25.00 | 4/28/2010 5:13:20 PM |
| Streetfighter | $50.00 | $50.00 | 4/28/2010 5:12:36 PM |
| deal-secret-agent | $25.00 | $25.00 | 4/28/2010 5:13:25 PM |
| S-Master | $25.00 | $25.00 | 4/28/2010 5:12:52 PM |
| icecoldcash | $25.00 | $25.00 | 4/28/2010 5:13:12 PM |
| important-ore | $50.00 | $50.00 | 4/28/2010 5:13:18 PM |
| The_Secret | $25.00 | $25.00 | 4/28/2010 5:14:46 PM |
| castleman | $25.00 | $25.00 | 4/28/2010 5:13:47 PM |
| decisive-capital | $75.00 | $75.00 | 4/28/2010 5:14:14 PM |
| zebra806 | $25.00 | $25.00 | 4/28/2010 5:14:36 PM |
| SolarMoonshine | $25.00 | $25.00 | 4/28/2010 5:18:05 PM |
| social-conductor4 | $25.00 | $25.00 | 4/28/2010 5:09:42 PM |
| burrito6 | $50.00 | $50.00 | 4/28/2010 5:09:55 PM |
| thorough-exchange4 | $25.00 | $25.00 | 4/28/2010 5:10:02 PM |
| reward-adventure | $30.00 | $30.00 | 4/28/2010 5:10:23 PM |
| ssh1983 | $25.00 | $25.00 | 4/28/2010 5:10:39 PM |
| jonbozeman | $25.00 | $25.00 | 4/28/2010 5:11:25 PM |
| newest-inspiring-power | $25.00 | $25.00 | 4/28/2010 5:11:42 PM |
| rhin0cerx | $50.00 | $50.00 | 4/28/2010 5:12:17 PM |
| Rattlehead | $25.00 | $25.00 | 4/28/2010 5:12:27 PM |
| magnolia161 | $25.00 | $25.00 | 4/28/2010 5:12:31 PM |
| unforgettable-order9 | $25.00 | $25.00 | 4/28/2010 5:12:40 PM |
| r0b3m4n | $25.00 | $25.00 | 4/28/2010 5:25:04 PM |
| Artist_Blue | $25.00 | $25.00 | 4/28/2010 5:13:07 PM |
| mtquan | $25.00 | $25.00 | 4/28/2010 5:13:10 PM |
| IIP77 | $25.00 | $25.00 | 4/28/2010 5:25:54 PM |
| Ragnar | $25.00 | $25.00 | 4/28/2010 5:13:30 PM |
| DcUnited | $25.00 | $25.00 | 4/28/2010 5:13:39 PM |
| balanced-bill7 | $75.00 | $75.00 | 4/28/2010 5:13:41 PM |
| desertoasis | $25.00 | $25.00 | 4/28/2010 5:13:58 PM |
| life-is-great | $25.00 | $25.00 | 4/28/2010 5:14:01 PM |
| a-special-power | $25.00 | $25.00 | 4/28/2010 5:27:13 PM |
| asset-professor | $35.00 | $35.00 | 4/28/2010 5:14:08 PM |
| Lam0nt | $25.00 | $25.00 | 4/28/2010 5:14:11 PM |
| papaloha | $50.00 | $50.00 | 4/28/2010 5:25:03 PM |
| 1phantom | $25.00 | $25.00 | 4/28/2010 5:25:07 PM |
| MitchD | $25.00 | $25.00 | 4/28/2010 5:39:33 PM |
| bigphish | $25.00 | $25.00 | 4/28/2010 5:41:00 PM |
| silver-armada | $50.00 | $50.00 | 4/28/2010 5:41:06 PM |
| zorg77 | $25.00 | $25.00 | 4/28/2010 5:27:21 PM |
| gmanrex | $50.00 | $50.00 | 4/28/2010 5:27:22 PM |
| shawndw | $25.00 | $25.00 | 4/28/2010 5:42:03 PM |
| thrifty-return | $35.00 | $35.00 | 4/28/2010 5:42:40 PM |
| wdove511 | $25.00 | $25.00 | 4/28/2010 5:40:08 PM |
| responsive-rate884 | $25.00 | $25.00 | 4/28/2010 5:40:56 PM |
| yield-lion | $25.00 | $25.00 | 4/28/2010 5:42:10 PM |
| SDNLR | $25.00 | $25.00 | 4/28/2010 5:42:24 PM |
| coin-investor | $25.00 | $20.10 | 4/28/2010 5:45:41 PM |
| LenderExtraordinaire | $25.00 | $25.00 | 4/28/2010 5:50:22 PM |
| loan-fate | $50.00 | $50.00 | 4/28/2010 5:55:38 PM |
| debt-system880 | $25.00 | $25.00 | 4/28/2010 5:26:43 PM |
| attractive-rate | $25.00 | $25.00 | 4/28/2010 5:27:14 PM |
| sjlnn | $25.00 | $25.00 | 4/28/2010 5:39:05 PM |
| systemlender | $25.00 | $25.00 | 4/28/2010 5:39:34 PM |
| PaulW | $25.00 | $25.00 | 4/28/2010 5:40:39 PM |
| CreativeIdeas | $25.00 | $25.00 | 4/28/2010 5:40:51 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 4/28/2010 5:40:57 PM |
| lostontheedge | $25.00 | $25.00 | 4/28/2010 5:42:36 PM |
| econgineer | $25.00 | $25.00 | 4/28/2010 6:57:43 PM |
| foothillender | $25.00 | $25.00 | 4/29/2010 7:54:38 AM |
| atomantic | $25.00 | $25.00 | 4/29/2010 12:42:30 PM |
| money-fort | $25.00 | $25.00 | 4/29/2010 6:36:44 PM |
| Comoparklender | $25.00 | $25.00 | 4/28/2010 5:09:53 PM |
| unforgettable-moola1 | $25.00 | $25.00 | 4/28/2010 5:10:06 PM |
| orderly-leverage | $30.00 | $30.00 | 4/28/2010 5:10:36 PM |
| gjh37 | $25.00 | $25.00 | 4/28/2010 5:10:45 PM |
| Kaj | $25.00 | $25.00 | 4/28/2010 5:09:47 PM |
| GiantAardvark | $25.00 | $25.00 | 4/28/2010 5:10:58 PM |
| brother_tam | $50.00 | $50.00 | 4/28/2010 5:09:58 PM |
| deegeeman | $50.00 | $50.00 | 4/28/2010 5:11:06 PM |
| MARWARISETH | $25.00 | $25.00 | 4/28/2010 5:11:09 PM |
| JGB | $25.00 | $25.00 | 4/28/2010 5:11:21 PM |
| Zingaro | $25.00 | $25.00 | 4/28/2010 5:11:28 PM |
| fortytwo | $50.00 | $50.00 | 4/28/2010 5:11:35 PM |
| kindness-percolator5 | $25.00 | $25.00 | 4/28/2010 5:11:40 PM |
| Banker7371 | $25.00 | $25.00 | 4/28/2010 5:11:45 PM |
| israel15 | $25.00 | $25.00 | 4/28/2010 5:10:54 PM |
| deal-hickory5 | $25.00 | $25.00 | 4/28/2010 5:11:02 PM |
| Zolton | $200.00 | $200.00 | 4/28/2010 5:12:06 PM |
| global_microfinance | $25.00 | $25.00 | 4/28/2010 5:11:27 PM |
| lagnisiruk | $25.00 | $25.00 | 4/28/2010 5:11:32 PM |
| personal-lender | $25.00 | $25.00 | 4/28/2010 5:12:04 PM |
| Marathoner | $25.00 | $25.00 | 4/28/2010 5:12:55 PM |
| greenwell | $25.00 | $25.00 | 4/28/2010 5:12:22 PM |
| red-favorable-basis | $25.00 | $25.00 | 4/28/2010 5:12:24 PM |
| MTlender | $25.00 | $25.00 | 4/28/2010 5:13:16 PM |
| marketplace-buckeye | $25.00 | $25.00 | 4/28/2010 5:13:43 PM |
| responsive-transaction8 | $25.00 | $25.00 | 4/28/2010 5:13:23 PM |
| authoritative-capital | $25.00 | $25.00 | 4/28/2010 5:13:31 PM |
| bountiful-bazaar | $25.00 | $25.00 | 4/28/2010 5:14:16 PM |
| gelidfrank | $25.00 | $25.00 | 4/28/2010 5:10:06 PM |
| interest-griffin | $25.00 | $25.00 | 4/28/2010 5:10:09 PM |
| circuitfive | $25.00 | $25.00 | 4/28/2010 5:10:12 PM |
| return-eclipse0 | $25.00 | $25.00 | 4/28/2010 5:10:20 PM |
| coin-equalizer2 | $25.00 | $25.00 | 4/28/2010 5:11:08 PM |
| supreme-hope | $25.00 | $25.00 | 4/28/2010 5:11:37 PM |
| cablenews | $25.00 | $25.00 | 4/28/2010 5:11:52 PM |
| finance-prescription | $50.00 | $50.00 | 4/28/2010 5:22:17 PM |
| Midwestvalues | $100.00 | $100.00 | 4/28/2010 5:12:09 PM |
| bnlforever | $25.00 | $25.00 | 4/28/2010 5:24:12 PM |
| supersarah61 | $25.00 | $25.00 | 4/28/2010 5:24:46 PM |
| Speculator | $100.00 | $100.00 | 4/28/2010 5:13:08 PM |
| inspiring-reward | $75.45 | $75.45 | 4/28/2010 5:26:18 PM |
| frogperson | $25.00 | $25.00 | 4/28/2010 5:13:27 PM |
| famous-bill | $50.00 | $50.00 | 4/28/2010 5:13:33 PM |
| bold-principal-thinker | $25.00 | $25.00 | 4/28/2010 5:26:44 PM |
| LucyMcClane | $25.00 | $25.00 | 4/28/2010 5:26:53 PM |
| CSUgrad08 | $25.00 | $25.00 | 4/28/2010 5:13:51 PM |
| davechris870 | $25.00 | $25.00 | 4/28/2010 5:27:15 PM |
| HedgeFund | $25.00 | $25.00 | 4/28/2010 5:27:20 PM |
| nrowland | $25.00 | $25.00 | 4/28/2010 5:25:14 PM |
| shaanr | $25.00 | $25.00 | 4/28/2010 5:27:58 PM |
| Veshay | $49.73 | $49.73 | 4/28/2010 5:39:07 PM |
| fair-rate | $25.00 | $25.00 | 4/28/2010 5:26:07 PM |
| oldmora | $39.19 | $39.19 | 4/28/2010 5:26:46 PM |
| finance-keeper4 | $25.00 | $25.00 | 4/28/2010 5:40:54 PM |
| shadowcredit | $25.00 | $25.00 | 4/28/2010 5:27:15 PM |
| shrewd-peace7 | $35.00 | $35.00 | 4/28/2010 5:41:31 PM |
| lendme2 | $25.00 | $25.00 | 4/28/2010 5:41:56 PM |
| heroic-deal7 | $25.00 | $25.00 | 4/28/2010 5:40:21 PM |
| Gilgothdae | $25.00 | $25.00 | 4/28/2010 5:40:52 PM |
| uprising35 | $50.00 | $50.00 | 4/28/2010 5:40:59 PM |
| jblack01 | $25.00 | $25.00 | 4/28/2010 5:42:11 PM |
| Phantom99 | $25.00 | $25.00 | 4/28/2010 5:42:22 PM |
| elnuks | $25.00 | $25.00 | 4/28/2010 5:42:50 PM |
| Whipster | $25.00 | $25.00 | 4/28/2010 5:49:13 PM |
| wwwUniversal | $25.00 | $25.00 | 4/28/2010 5:51:24 PM |
| adama_48 | $25.00 | $25.00 | 4/28/2010 5:24:14 PM |
| chakra | $25.00 | $25.00 | 4/28/2010 5:27:20 PM |
| bonus-zone | $25.00 | $25.00 | 4/28/2010 5:40:55 PM |
| beezling | $43.55 | $43.55 | 4/28/2010 5:40:58 PM |
| frogperson | $150.00 | $150.00 | 4/29/2010 8:59:04 AM |
| mercuriant | $25.00 | $25.00 | 4/29/2010 9:36:52 AM |
| Montgomery-Burns | $25.00 | $25.00 | 4/29/2010 12:23:26 PM |
| InChicago | $25.00 | $25.00 | 4/29/2010 3:42:52 PM |
| scoobiedoo | $25.00 | $25.00 | 4/29/2010 5:51:48 PM |
| mhotchan | $63.98 | $63.98 | 4/30/2010 7:29:16 AM |
| 151 bids
|
Borrower Payment Dependent Notes Series
456937
This series of Notes was issued and sold upon the funding of the borrower loan #42360, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| May-04-2010 |
| |
Auction end date:
| May-05-2010 |
|
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $108.23 |
|
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $108.23 |
| |
|
Auction yield range:
| 3.04% - 6.10% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 0m |
|
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,725 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| vailak |
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
Pay off high rate credit cards
Purpose of loan:
This loan will be used to pay off high interest credit card debt
My financial situation:
I am a good candidate for this loan because? I work as a Mechanical Engineer and have stable full time job?and been with same company for last three years.?I pay all my monthly bills?on time and have a very good credit history. But unfortunately, good credit history and good credit score could not stop my credit card interest rates go higher recently. So I will be using this loan to pay off high rate credit card balance.
Monthly net income: $ 3950 after all deductions
Yearly Bonus: $ 4000 after Tax for 2009
Monthly expenses: $
??Housing: $ 805
??Insurance: $?80
??Car expenses: $500?
??Utilities: $ 80
??Phone, cable, internet: $?125
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $?250
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| microloan-green | $25.00 | $25.00 | 5/4/2010 4:29:45 PM |
| important-ore | $100.00 | $100.00 | 5/4/2010 4:30:16 PM |
| bowdish1 | $100.00 | $100.00 | 5/4/2010 4:30:26 PM |
| Armenish | $25.00 | $25.00 | 5/4/2010 4:30:44 PM |
| Holtavious | $25.00 | $25.00 | 5/4/2010 4:30:50 PM |
| myextracash | $25.00 | $25.00 | 5/4/2010 4:30:43 PM |
| zielojo | $25.00 | $25.00 | 5/4/2010 4:30:56 PM |
| MoneyMA | $25.00 | $25.00 | 5/4/2010 4:30:59 PM |
| first-pragmatic-note | $25.00 | $25.00 | 5/4/2010 4:31:02 PM |
| rupee-kung-fu7 | $25.00 | $25.00 | 5/4/2010 4:31:14 PM |
| jh157765 | $25.00 | $25.00 | 5/4/2010 4:31:28 PM |
| JKEnterprises | $25.00 | $25.00 | 5/4/2010 4:31:30 PM |
| mad4wknds | $25.00 | $25.00 | 5/4/2010 4:31:38 PM |
| fortytwo | $100.00 | $100.00 | 5/4/2010 4:32:07 PM |
| golden-responsibility189 | $50.00 | $50.00 | 5/4/2010 4:32:15 PM |
| Ivan2007 | $25.00 | $25.00 | 5/4/2010 4:33:26 PM |
| lukeskywalkerkp | $25.00 | $25.00 | 5/4/2010 4:30:18 PM |
| antlr | $25.00 | $25.00 | 5/4/2010 4:30:32 PM |
| michaelndn | $25.00 | $25.00 | 5/4/2010 4:30:41 PM |
| flexible-vigilance7 | $25.00 | $25.00 | 5/4/2010 4:34:14 PM |
| HunterSix | $25.00 | $25.00 | 5/4/2010 4:30:52 PM |
| wampum-optimization | $36.42 | $36.42 | 5/4/2010 4:31:01 PM |
| FloridaBookie | $25.00 | $25.00 | 5/4/2010 4:33:56 PM |
| MartiniCognac | $25.00 | $25.00 | 5/4/2010 4:31:16 PM |
| leanthony | $25.00 | $25.00 | 5/4/2010 4:34:16 PM |
| LAKESPRING | $50.00 | $50.00 | 5/4/2010 4:31:29 PM |
| ray1051 | $25.00 | $25.00 | 5/4/2010 4:31:37 PM |
| balance6 | $25.00 | $25.00 | 5/4/2010 4:34:47 PM |
| radforj22 | $40.00 | $40.00 | 5/4/2010 4:32:10 PM |
| life-is-great | $25.00 | $25.00 | 5/4/2010 4:32:38 PM |
| F16Pilot | $25.00 | $25.00 | 5/4/2010 4:35:47 PM |
| meux99 | $25.00 | $25.00 | 5/4/2010 4:37:19 PM |
| bayareainv | $100.00 | $100.00 | 5/4/2010 4:33:38 PM |
| magnificent-reward9 | $25.00 | $25.00 | 5/4/2010 4:34:19 PM |
| alpinaut | $25.00 | $25.00 | 5/4/2010 4:35:30 PM |
| 1phantom | $50.00 | $50.00 | 5/4/2010 4:35:37 PM |
| harty | $60.00 | $60.00 | 5/4/2010 4:40:15 PM |
| Havana21 | $50.00 | $50.00 | 5/4/2010 4:35:59 PM |
| xyzlmno | $25.00 | $25.00 | 5/4/2010 4:36:07 PM |
| Artist_Blue | $25.00 | $25.00 | 5/4/2010 4:40:03 PM |
| ferocious-exchange3 | $25.00 | $25.00 | 5/4/2010 4:37:43 PM |
| Approved | $25.00 | $25.00 | 5/4/2010 4:43:14 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 5/4/2010 4:40:06 PM |
| Marathoner | $25.00 | $25.00 | 5/4/2010 4:40:24 PM |
| blot44 | $25.00 | $25.00 | 5/4/2010 7:22:00 PM |
| Phantom99 | $25.00 | $25.00 | 5/4/2010 4:30:15 PM |
| SonomaHills | $25.00 | $25.00 | 5/4/2010 4:30:47 PM |
| islandbuilder1 | $25.00 | $25.00 | 5/4/2010 4:30:42 PM |
| integrity-liberator | $25.00 | $25.00 | 5/4/2010 4:30:55 PM |
| empire9 | $25.00 | $25.00 | 5/4/2010 4:30:57 PM |
| social-conductor4 | $25.00 | $25.00 | 5/4/2010 4:30:59 PM |
| phillipd48 | $25.00 | $25.00 | 5/4/2010 4:31:00 PM |
| Cr_Sunset | $25.00 | $25.00 | 5/4/2010 4:31:27 PM |
| acsej | $25.00 | $25.00 | 5/4/2010 4:31:31 PM |
| tensalis | $25.00 | $25.00 | 5/4/2010 4:31:35 PM |
| cleared2land | $25.00 | $25.00 | 5/4/2010 4:31:42 PM |
| mlopez2007 | $50.00 | $50.00 | 5/4/2010 4:32:12 PM |
| Merganser | $25.00 | $25.00 | 5/4/2010 4:32:30 PM |
| Veridic | $25.00 | $25.00 | 5/4/2010 4:32:55 PM |
| turbospeed | $25.00 | $25.00 | 5/4/2010 4:30:10 PM |
| authoritative-capital | $25.00 | $25.00 | 5/4/2010 4:33:51 PM |
| bradny | $25.00 | $25.00 | 5/4/2010 4:30:33 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 5/4/2010 4:30:38 PM |
| silver-philosopher | $25.00 | $25.00 | 5/4/2010 4:34:15 PM |
| Railbird | $25.00 | $25.00 | 5/4/2010 4:30:48 PM |
| invincible-duty | $25.00 | $25.00 | 5/4/2010 4:30:58 PM |
| CaptainBlueberry | $25.00 | $25.00 | 5/4/2010 4:31:04 PM |
| Walkingcowboy | $25.00 | $25.00 | 5/4/2010 4:31:25 PM |
| best-decisive-peace | $25.00 | $25.00 | 5/4/2010 4:31:34 PM |
| credit-coach118 | $40.00 | $40.00 | 5/4/2010 4:35:43 PM |
| NATIVEBORN | $25.00 | $25.00 | 5/4/2010 4:35:13 PM |
| lenderforyoutoday | $50.00 | $50.00 | 5/4/2010 4:36:08 PM |
| bchen78875 | $50.00 | $50.00 | 5/4/2010 4:32:37 PM |
| resource777 | $25.00 | $25.00 | 5/4/2010 4:36:10 PM |
| platinum-rapture6 | $25.00 | $25.00 | 5/4/2010 4:32:41 PM |
| upbeat-principal | $25.00 | $25.00 | 5/4/2010 4:36:13 PM |
| dharma1 | $25.00 | $25.00 | 5/4/2010 4:37:21 PM |
| generous-deal6 | $25.00 | $25.00 | 5/4/2010 4:36:35 PM |
| TheMan | $25.00 | $25.00 | 5/4/2010 4:33:15 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 5/4/2010 4:36:43 PM |
| kenji4861 | $25.00 | $25.00 | 5/4/2010 4:37:10 PM |
| bigdogsafety1 | $25.00 | $25.00 | 5/4/2010 4:35:04 PM |
| castleman | $25.00 | $25.00 | 5/4/2010 4:40:12 PM |
| finance-negotiator2 | $25.00 | $25.00 | 5/4/2010 4:40:16 PM |
| fcukciti | $50.00 | $37.43 | 5/4/2010 4:40:26 PM |
| credit-scout7 | $30.00 | $30.00 | 5/4/2010 4:40:08 PM |
| tender-integrity3 | $50.00 | $50.00 | 5/4/2010 4:37:20 PM |
| balanced-bill7 | $50.00 | $50.00 | 5/4/2010 4:40:04 PM |
| RandyL3 | $55.83 | $55.83 | 5/4/2010 4:45:38 PM |
| wwwUniversal | $25.00 | $25.00 | 5/4/2010 4:46:58 PM |
| epicanthal | $25.00 | $25.00 | 5/4/2010 4:56:59 PM |
| selector568 | $500.00 | $500.00 | 5/4/2010 4:46:37 PM |
| ijspence | $25.00 | $25.00 | 5/4/2010 5:20:32 PM |
| julijask | $25.32 | $25.32 | 5/5/2010 5:44:45 AM |
| the-bright-velocity | $25.00 | $25.00 | 5/5/2010 6:34:14 AM |
| 95 bids
|
Borrower Payment Dependent Notes Series
455346
This series of Notes was issued and sold upon the funding of the borrower loan #42338, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Apr-22-2010 |
| |
Auction end date:
| Apr-29-2010 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.82% |
Starting monthly payment:
| $65.65 |
|
Final lender yield:
| 21.85% |
Final borrower rate/APR:
| 22.85% / 25.22% |
Final monthly payment:
| $61.81 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.32% | | |
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-1994 |
Debt/Income ratio:
| 4% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 14y 8m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $217 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 10 | | | | |
|
Screen name:
| return-equilibrium4 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Nov-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Need to restructure loan
Purpose of loan:
This loan will be used to pay off a 401k loan I took out 3 years ago prior to divorce that takes out $260 a month from my paycheck. So this is basically restructuring that loan for a longer term and lower monthly payments, to free up cash so I can save. I expect this to be the second and last time I'll need to use Prosper as I'm heading the right direction financially.
I thank you for your consideration.
My financial situation:
I am a good candidate for this loan because aside from a bump in the road over a year ago due to divorce, I've had good credit and I've had a loan through prosper last year that I paid off. Additionally I've paid my bills on time, and my credit score has gone up since that divorce.
Monthly net income: $ 2300
Monthly expenses: $
??Housing: $
50
??Insurance: $
50
??Car expenses: $
50
??Utilities: $
0 (live with family)
??Phone, cable, internet: $ 0
??Food, entertainment: $
150
??Clothing, household expenses $
25
??Credit cards and other loans: $
50
??Other expenses: $
450 child support
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Unitas4302 | $100.00 | $100.00 | 4/22/2010 6:32:47 PM |
| econgineer | $35.14 | $35.14 | 4/23/2010 6:14:47 AM |
| cippy | $50.00 | $50.00 | 4/27/2010 10:01:07 AM |
| brondero | $80.00 | $80.00 | 4/27/2010 3:25:12 PM |
| Kash2010lu | $25.00 | $25.00 | 4/28/2010 8:25:00 PM |
| five-star-note | $25.00 | $25.00 | 4/29/2010 10:21:23 AM |
| vigilance-searcher | $25.00 | $25.00 | 4/29/2010 8:11:50 AM |
| icecoldcash | $25.00 | $25.00 | 4/29/2010 2:00:59 PM |
| jcw3rd | $25.00 | $25.00 | 4/29/2010 2:32:40 PM |
| exchange-cowbell5 | $25.00 | $25.00 | 4/29/2010 9:21:43 AM |
| BrighterSuns | $25.00 | $25.00 | 4/29/2010 2:49:44 PM |
| piter-to-la-investment | $25.00 | $25.00 | 4/29/2010 4:24:50 PM |
| Cambium | $25.00 | $25.00 | 4/29/2010 4:30:56 PM |
| patriot384 | $150.00 | $150.00 | 4/29/2010 4:41:28 PM |
| WZ3190 | $25.13 | $25.13 | 4/29/2010 3:42:15 PM |
| principal-star | $25.00 | $25.00 | 4/29/2010 5:33:44 PM |
| kinetic-social | $25.00 | $25.00 | 4/29/2010 5:43:01 PM |
| transaction-circuit | $25.00 | $25.00 | 4/23/2010 11:35:57 AM |
| admirable-loyalty | $25.00 | $25.00 | 4/25/2010 4:16:19 PM |
| Leshan | $100.00 | $100.00 | 4/29/2010 7:57:47 AM |
| atomantic | $25.00 | $25.00 | 4/28/2010 11:40:39 PM |
| jhernand17 | $25.00 | $25.00 | 4/29/2010 12:09:41 PM |
| exchange-cowbell5 | $25.00 | $25.00 | 4/29/2010 1:09:23 PM |
| JGuide | $26.01 | $26.01 | 4/29/2010 3:41:00 PM |
| CoolPlexer | $25.00 | $25.00 | 4/29/2010 3:22:18 PM |
| Starfin300 | $29.89 | $29.89 | 4/29/2010 10:33:27 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 4/29/2010 10:47:26 AM |
| carrinel | $55.80 | $55.80 | 4/29/2010 4:31:40 PM |
| marwadi-62 | $200.00 | $200.00 | 4/29/2010 4:32:10 PM |
| coyone | $32.49 | $32.49 | 4/29/2010 12:39:28 PM |
| Trekow | $25.00 | $25.00 | 4/29/2010 4:47:43 PM |
| greekgst99 | $25.00 | $25.00 | 4/29/2010 4:51:05 PM |
| Feyenoord | $35.47 | $35.47 | 4/29/2010 5:06:15 PM |
| dRatedOnly | $25.00 | $25.00 | 4/29/2010 5:42:09 PM |
| Engineer44 | $25.00 | $25.00 | 4/29/2010 5:44:19 PM |
| payout-bridge | $350.00 | $105.07 | 4/29/2010 5:43:15 PM |
| aquistoyraul | $25.00 | $25.00 | 4/29/2010 5:43:58 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
455412
This series of Notes was issued and sold upon the funding of the borrower loan #42346, 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-23-2010 |
| |
Auction end date:
| Apr-30-2010 |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $74.33 |
|
Final lender yield:
| 19.00% |
Final borrower rate/APR:
| 20.00% / 22.24% |
Final monthly payment:
| $74.33 |
| |
|
Auction yield range:
| 11.04% - 19.00% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
8 | Length of status: | 12y 5m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 26 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,498 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| debt-pal |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 19 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2008)
|
|
Principal balance:
| $3,965.58 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Pay off high interest cards, bills
Purpose of loan:
This loan will be used to?pay?off balances on very high interest credit cards?, medical bills
My financial situation:
I am a good candidate for this loan because? I pay my bills. Credit score is not as good as it should be due to high utilization of available credit. Most of this debt comes from medical bills from an auto accident in which my wife Pamela was seriously injured. Monthly net income: $6800
Monthly expenses: $
??Housing: $ 1800
??Insurance:$ 165
??Car expenses: $?300
??Utilities: $?280
??Phone, cable, internet: $ 450
??Food, entertainment: $?500
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1500
??Other expenses: $ 480
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lendstats_com | $25.00 | $25.00 | 4/23/2010 4:56:18 PM |
| Unitas4302 | $200.00 | $200.00 | 4/23/2010 7:14:10 PM |
| jpblan11 | $25.00 | $25.00 | 4/24/2010 12:55:26 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 6:48:47 PM |
| DasMula | $50.00 | $50.00 | 4/29/2010 6:52:12 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 6:49:18 PM |
| lildones | $25.00 | $25.00 | 4/29/2010 8:32:36 PM |
| nilonc1 | $200.00 | $200.00 | 4/29/2010 10:30:36 PM |
| allbalooboy2 | $25.00 | $25.00 | 4/30/2010 6:12:28 AM |
| DasMula | $25.00 | $25.00 | 4/29/2010 6:51:26 PM |
| DasMula | $50.00 | $50.00 | 4/29/2010 6:52:31 PM |
| LAKETIME | $25.00 | $25.00 | 4/30/2010 12:21:47 PM |
| credit-coach118 | $55.00 | $55.00 | 4/30/2010 3:12:14 PM |
| red-favorable-basis | $25.00 | $25.00 | 4/30/2010 2:25:59 PM |
| jpblan11 | $100.00 | $100.00 | 4/30/2010 3:14:35 PM |
| orange-pound-party | $40.00 | $40.00 | 4/30/2010 1:21:36 PM |
| well-mannered-income3 | $40.00 | $40.00 | 4/30/2010 1:43:25 PM |
| credit-coach118 | $25.00 | $25.00 | 4/30/2010 3:12:28 PM |
| jpblan11 | $360.00 | $360.00 | 4/30/2010 3:59:28 PM |
| reflective-rupee | $25.00 | $5.00 | 4/30/2010 4:00:07 PM |
| MoneyForNothing | $25.00 | $25.00 | 4/23/2010 9:04:13 PM |
| CA_Lender | $25.00 | $25.00 | 4/28/2010 3:48:10 AM |
| sgt-schultz | $25.00 | $25.00 | 4/29/2010 1:00:10 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 6:51:38 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 6:49:02 PM |
| lendstats_com | $75.00 | $75.00 | 4/29/2010 11:54:57 PM |
| DasMula | $25.00 | $25.00 | 4/29/2010 6:51:13 PM |
| reflective-rupee | $100.00 | $100.00 | 4/30/2010 10:23:22 AM |
| patriot384 | $250.00 | $250.00 | 4/30/2010 10:51:39 AM |
| Leshan | $50.00 | $50.00 | 4/30/2010 6:39:09 AM |
| dammage | $25.00 | $25.00 | 4/30/2010 1:47:13 PM |
| 31 bids
|
Borrower Payment Dependent Notes Series
455694
This series of Notes was issued and sold upon the funding of the borrower loan #42340, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 33.50% |
Starting borrower rate/APR:
| 34.50% / 38.64% |
Starting monthly payment:
| $44.95 |
|
Final lender yield:
| 33.50% |
Final borrower rate/APR:
| 34.50% / 38.64% |
Final monthly payment:
| $44.95 |
| |
|
Auction yield range:
| 11.04% - 33.50% |
Estimated loss impact:
| 10.85% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 22.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 1
/
0 | Length of status: | 0y 4m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| enterprising-value5 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Feb-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Loan for Advertising Campaign
Purpose of loan:
This loan will be used to?
run a advertising campaign for an existing business.
My financial situation:
I am a good candidate for this loan because?
I have zero to no overhead, and I will be able to pay back the loan in a timely fashion with the profits from the campaign. I'm currently living at my parents house, attending graduate school online, and starting a small business. I am not sure if you are able to see my loan repayment history here on Prosper, but I have a plan to repay the loan over the course of the next six months.
Monthly net income: $
1086.00
Monthly expenses: $ 439.00
??Housing: $
0
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
50
??Clothing, household expenses $
0
??Credit cards and other loans: $
189
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 4/27/2010 10:00:19 AM |
| transaction-circuit | $25.00 | $25.00 | 4/28/2010 8:19:42 AM |
| Florida67 | $45.00 | $45.00 | 4/29/2010 3:37:27 AM |
| Unitas4302 | $50.00 | $50.00 | 4/29/2010 4:00:09 AM |
| Asian-Persuasion | $25.00 | $25.00 | 4/29/2010 10:47:01 PM |
| alexgalt | $25.00 | $25.00 | 4/30/2010 4:39:50 PM |
| fillholdingsllc | $25.00 | $25.00 | 4/30/2010 5:59:36 PM |
| lucrative-loan | $100.00 | $100.00 | 5/3/2010 6:10:53 AM |
| YoungTaxMan | $50.00 | $50.00 | 5/3/2010 11:31:28 AM |
| NekHoldings | $25.00 | $25.00 | 5/3/2010 1:50:25 PM |
| SolarMoonshine | $25.00 | $25.00 | 5/3/2010 5:25:01 PM |
| Bob450 | $30.00 | $30.00 | 5/3/2010 9:55:45 PM |
| lend4life13 | $200.83 | $18.28 | 5/4/2010 7:12:33 AM |
| eagle1271 | $25.00 | $25.00 | 5/4/2010 7:24:04 AM |
| eagle1271 | $25.00 | $25.00 | 5/4/2010 7:25:53 AM |
| supreme-hope | $25.00 | $25.00 | 5/4/2010 7:15:12 AM |
| Bob450 | $25.00 | $25.00 | 5/4/2010 7:36:57 AM |
| wwwUniversal | $25.00 | $25.00 | 5/4/2010 7:58:51 AM |
| Kash2010lu | $25.00 | $25.00 | 5/4/2010 8:47:11 AM |
| Cashlender1992 | $26.73 | $26.73 | 4/28/2010 8:27:45 PM |
| oath163 | $30.00 | $30.00 | 5/3/2010 6:29:51 AM |
| inforapenny | $25.00 | $25.00 | 5/3/2010 11:21:54 AM |
| transparency-tomahawk | $25.00 | $25.00 | 5/3/2010 11:17:54 AM |
| Frosty | $25.00 | $25.00 | 5/3/2010 3:59:13 PM |
| cashhelp | $25.00 | $25.00 | 5/4/2010 7:19:18 AM |
| wealth-pipeline | $25.00 | $25.00 | 5/4/2010 7:23:51 AM |
| victor111 | $100.00 | $100.00 | 5/4/2010 7:48:27 AM |
| Zipcut | $40.99 | $40.99 | 5/4/2010 8:31:25 AM |
| branaa99 | $34.00 | $34.00 | 5/4/2010 8:56:04 AM |
| kinetic-social | $25.00 | $25.00 | 5/4/2010 9:16:25 AM |
| 30 bids
|
Borrower Payment Dependent Notes Series
455728
This series of Notes was issued and sold upon the funding of the borrower loan #42363, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-03-2010 |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $196.16 |
|
Final lender yield:
| 22.00% |
Final borrower rate/APR:
| 24.00% / 26.29% |
Final monthly payment:
| $196.16 |
| |
|
Auction yield range:
| 8.04% - 22.00% |
Estimated loss impact:
| 7.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 2m |
|
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,573 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| best-agreement-flamenco |
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
Capital to Grow Internet Business
Purpose of loan:
This loan will be used to provide capital to scale my internet marketing business. I promote Lasik clinics locally in the Chicago area and I have a marketing system that works exceptionally well. My clients are very happy and continue to pay me monthly. In order for me to scale this business I need to:
Pay for direct mail advertising to Lasik Clinics in other cities.Pay to fund the initial pay-per-click advertising fees.Pay for website and landing page development for new clients
I am generating a nice and steady income with this business, and I am going to grow my business with your help.
My financial situation: I have over 780 credit and always pay my bills on time. My monthly expenses are about $2500 per month personal expenses. Because I work on my computer, my business expenses are very low. The only additional expenses, which I am seeking investment for, are my marketing expenses for my current campaigns.
I am a good candidate for this loan because I have great credit, am in great health and have proven, marketing campaigns which need to be scaled. I have an affluent family who is supportive of me, however I would like to get this money on my own, without investments from any family members.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| KandKLegacyInvestments | $25.00 | $25.00 | 4/27/2010 9:23:48 AM |
| hrubinst | $25.00 | $25.00 | 4/27/2010 9:57:07 AM |
| dinero-speaker | $25.00 | $25.00 | 4/27/2010 9:58:38 AM |
| unassassinable | $25.00 | $25.00 | 4/27/2010 9:59:30 AM |
| interest-jedi0 | $50.00 | $50.00 | 4/27/2010 10:01:06 AM |
| mmckune | $25.00 | $25.00 | 4/27/2010 9:59:16 AM |
| AF-Chief | $27.00 | $27.00 | 4/27/2010 9:52:20 AM |
| loan-kung-fu | $25.00 | $25.00 | 4/27/2010 10:02:09 AM |
| thorough-exchange4 | $25.00 | $25.00 | 4/27/2010 10:03:08 AM |
| JGB | $25.00 | $25.00 | 4/27/2010 10:00:29 AM |
| Comoparklender | $30.00 | $30.00 | 4/27/2010 10:17:49 AM |
| transparency-advocator | $25.00 | $25.00 | 4/27/2010 10:18:44 AM |
| bchen78875 | $25.00 | $25.00 | 4/27/2010 10:20:18 AM |
| radforj22 | $25.00 | $25.00 | 4/27/2010 10:24:04 AM |
| Dap2005 | $25.00 | $25.00 | 4/27/2010 10:25:14 AM |
| finance-prescription | $100.00 | $100.00 | 4/27/2010 10:25:24 AM |
| dschaaf | $25.00 | $25.00 | 4/27/2010 10:26:51 AM |
| ichibon | $75.00 | $75.00 | 4/27/2010 10:17:09 AM |
| Artist_Blue | $25.00 | $25.00 | 4/27/2010 10:31:41 AM |
| nickel-ferret | $25.00 | $25.00 | 4/27/2010 10:32:35 AM |
| kind-adventurous-finance | $25.00 | $25.00 | 4/27/2010 10:34:09 AM |
| shrewd-peace7 | $25.00 | $25.00 | 4/27/2010 10:36:07 AM |
| interest-griffin | $50.00 | $50.00 | 4/27/2010 10:35:20 AM |
| investor7257 | $25.00 | $25.00 | 4/27/2010 10:35:36 AM |
| loanforyou08 | $25.00 | $25.00 | 4/27/2010 10:37:20 AM |
| telegon | $25.00 | $25.00 | 4/27/2010 10:37:40 AM |
| DcUnited | $25.00 | $25.00 | 4/27/2010 10:30:42 AM |
| Ducatiman1978 | $25.00 | $25.00 | 4/27/2010 2:09:30 PM |
| healingangel22 | $25.00 | $25.00 | 4/27/2010 12:24:20 PM |
| Trakissta | $100.00 | $100.00 | 4/27/2010 6:37:35 PM |
| SNH | $50.00 | $50.00 | 4/27/2010 7:17:50 PM |
| frogperson | $50.00 | $50.00 | 4/27/2010 9:20:30 PM |
| funds-rascal | $100.00 | $100.00 | 4/28/2010 8:54:03 AM |
| r0b3m4n | $25.00 | $25.00 | 4/28/2010 9:09:13 AM |
| JanLal | $25.00 | $25.00 | 4/28/2010 10:08:07 AM |
| life-is-great | $25.00 | $25.00 | 4/28/2010 8:32:48 AM |
| the-profit-oracle | $25.00 | $25.00 | 4/28/2010 12:49:23 PM |
| engaging-worth | $25.00 | $25.00 | 4/28/2010 10:47:03 AM |
| JustMee | $25.00 | $25.00 | 4/28/2010 5:41:54 PM |
| bountiful-bazaar | $25.00 | $25.00 | 4/28/2010 8:49:03 PM |
| loanfairy | $25.00 | $25.00 | 4/28/2010 5:54:19 PM |
| basis-prodigy | $25.00 | $25.00 | 4/29/2010 9:34:11 AM |
| calm-deal7 | $25.00 | $25.00 | 4/29/2010 9:34:54 AM |
| PRGuyinVA | $25.00 | $25.00 | 4/28/2010 8:52:39 PM |
| saysana | $25.00 | $25.00 | 4/29/2010 10:50:29 AM |
| gold-disk | $100.00 | $100.00 | 4/29/2010 11:07:07 AM |
| shawntem | $100.00 | $100.00 | 4/29/2010 12:31:55 PM |
| line6owner | $36.00 | $36.00 | 4/29/2010 1:04:07 PM |
| bonus-adventure3 | $25.00 | $25.00 | 4/29/2010 6:57:49 PM |
| orange-preeminant-bill | $100.00 | $100.00 | 4/30/2010 4:23:14 AM |
| treasure-bliss | $25.00 | $25.00 | 4/30/2010 7:27:47 AM |
| Dahlozer | $25.00 | $25.00 | 4/30/2010 12:19:15 PM |
| market-solstice2 | $25.00 | $25.00 | 4/30/2010 1:43:46 PM |
| greeninspirit | $25.00 | $25.00 | 4/30/2010 3:06:31 PM |
| studious-bonus7 | $50.00 | $50.00 | 4/30/2010 4:32:47 PM |
| GoldenTrout | $25.00 | $25.00 | 5/2/2010 9:25:56 PM |
| cashhelp | $25.00 | $25.00 | 5/3/2010 1:07:54 AM |
| E-B | $50.00 | $50.00 | 5/3/2010 3:34:40 AM |
| fillholdingsllc | $25.00 | $25.00 | 5/3/2010 8:13:26 AM |
| doctorgrab | $25.00 | $25.00 | 5/3/2010 7:05:28 AM |
| F16Pilot | $25.00 | $25.00 | 5/3/2010 9:17:01 AM |
| rainbowsorbet | $25.00 | $25.00 | 5/3/2010 2:04:53 PM |
| trumpeter5 | $25.00 | $25.00 | 5/3/2010 2:15:56 PM |
| famous-hope | $25.00 | $25.00 | 5/3/2010 1:16:30 PM |
| 108lender | $34.53 | $34.53 | 5/3/2010 5:17:35 PM |
| shrewd-income | $25.00 | $25.00 | 5/3/2010 5:58:39 PM |
| Chuck9802 | $25.00 | $25.00 | 5/3/2010 6:27:27 PM |
| psztnrw | $100.00 | $100.00 | 5/3/2010 7:56:01 PM |
| orderly-leverage | $40.00 | $40.00 | 4/27/2010 9:59:53 AM |
| delicious-social132 | $25.00 | $25.00 | 4/27/2010 9:58:13 AM |
| integrity-doctor | $100.00 | $100.00 | 4/27/2010 10:01:32 AM |
| balanced-bill7 | $100.00 | $100.00 | 4/27/2010 10:01:53 AM |
| market-pudding | $25.00 | $25.00 | 4/27/2010 10:03:48 AM |
| GiantAardvark | $25.00 | $25.00 | 4/27/2010 10:02:19 AM |
| rider350 | $25.00 | $25.00 | 4/27/2010 10:02:39 AM |
| torion | $25.00 | $25.00 | 4/27/2010 9:57:20 AM |
| gelidfrank | $25.00 | $25.00 | 4/27/2010 10:05:24 AM |
| Avala | $50.00 | $50.00 | 4/27/2010 9:57:50 AM |
| Marathoner | $25.00 | $25.00 | 4/27/2010 10:19:42 AM |
| a-consummate-camaraderi | $50.00 | $50.00 | 4/27/2010 10:22:35 AM |
| bowdish1 | $50.00 | $50.00 | 4/27/2010 10:24:19 AM |
| important-ore | $50.00 | $50.00 | 4/27/2010 10:25:46 AM |
| castleman | $25.00 | $25.00 | 4/27/2010 10:28:30 AM |
| sgt-schultz | $50.00 | $50.00 | 4/27/2010 10:19:25 AM |
| CAGE-Investments | $75.00 | $75.00 | 4/27/2010 10:31:10 AM |
| NDFIRTH | $50.00 | $50.00 | 4/27/2010 10:32:45 AM |
| return-eclipse0 | $25.00 | $25.00 | 4/27/2010 10:23:21 AM |
| kindness-percolator5 | $25.00 | $25.00 | 4/27/2010 10:33:04 AM |
| frogperson | $75.00 | $75.00 | 4/27/2010 10:34:32 AM |
| HamletTower | $25.00 | $25.00 | 4/27/2010 10:36:29 AM |
| tremendous-payment | $25.00 | $25.00 | 4/27/2010 10:49:16 AM |
| financialaid | $25.00 | $25.00 | 4/27/2010 10:49:11 AM |
| Easystreet | $25.00 | $25.00 | 4/27/2010 10:53:23 AM |
| marketplace-buckeye | $25.00 | $25.00 | 4/27/2010 10:53:31 AM |
| fcukciti | $50.00 | $50.00 | 4/27/2010 10:36:54 AM |
| durability-exchanger | $25.00 | $25.00 | 4/27/2010 10:51:45 AM |
| vanderhp | $25.00 | $25.00 | 4/27/2010 12:47:44 PM |
| revenue-ruler6 | $25.00 | $25.00 | 4/27/2010 1:02:57 PM |
| nickel-advocator | $25.00 | $25.00 | 4/27/2010 4:03:20 PM |
| 1phantom | $50.00 | $50.00 | 4/28/2010 9:19:56 AM |
| platinum-rapture6 | $25.00 | $25.00 | 4/28/2010 9:34:50 AM |
| sarisai | $25.00 | $25.00 | 4/28/2010 10:07:56 AM |
| ddog0224 | $25.00 | $25.00 | 4/28/2010 2:34:43 PM |
| loan-tycoon0 | $25.00 | $25.00 | 4/28/2010 9:05:26 PM |
| lloyd_s | $25.00 | $25.00 | 4/29/2010 3:38:44 PM |
| Interstate_Rate | $25.00 | $25.00 | 4/29/2010 10:53:32 AM |
| KiwiElf | $25.00 | $25.00 | 4/29/2010 11:32:50 AM |
| Cheburashka | $25.00 | $25.00 | 4/29/2010 12:37:58 PM |
| beakerfish | $50.00 | $50.00 | 4/29/2010 9:38:04 PM |
| self-reliant-integrity0 | $50.00 | $50.00 | 4/30/2010 9:23:27 AM |
| gentle-note | $25.00 | $25.00 | 4/30/2010 9:34:59 AM |
| fishintime | $25.00 | $25.00 | 4/30/2010 10:12:45 AM |
| flexible-vigilance7 | $25.00 | $25.00 | 4/30/2010 11:58:36 AM |
| 34bcp23 | $25.00 | $25.00 | 4/30/2010 7:43:40 AM |
| magnificent-reward9 | $25.00 | $25.00 | 4/30/2010 12:12:24 PM |
| cablenews | $50.00 | $50.00 | 4/30/2010 1:18:23 PM |
| jga516 | $25.00 | $25.00 | 4/30/2010 9:34:40 AM |
| Clambake | $50.00 | $50.00 | 4/30/2010 10:48:29 AM |
| Phantom99 | $25.00 | $25.00 | 4/30/2010 10:55:23 AM |
| balance6 | $25.00 | $25.00 | 4/30/2010 5:07:51 PM |
| teller | $25.00 | $25.00 | 4/30/2010 5:27:48 PM |
| thoughtful-capital1 | $25.00 | $25.00 | 4/30/2010 5:12:46 PM |
| magnificent-reward9 | $25.00 | $25.00 | 5/2/2010 10:05:22 PM |
| AlphaInternational | $25.00 | $25.00 | 5/3/2010 1:04:27 AM |
| point-taco | $25.00 | $25.00 | 5/3/2010 2:55:50 AM |
| worth-arch | $25.00 | $25.00 | 5/3/2010 4:17:41 AM |
| progressive-asset | $100.00 | $100.00 | 5/3/2010 4:25:49 AM |
| Rdodson11 | $25.00 | $25.00 | 5/3/2010 6:37:08 AM |
| Leshan | $25.00 | $25.00 | 5/3/2010 7:26:12 AM |
| the-payout-hug | $25.00 | $25.00 | 5/3/2010 9:12:21 AM |
| Havana21 | $50.00 | $50.00 | 5/3/2010 9:15:43 AM |
| ClearLake | $25.00 | $25.00 | 5/3/2010 9:38:45 AM |
| dynrep | $25.00 | $25.00 | 5/3/2010 10:16:23 AM |
| jrhinomo | $35.00 | $35.00 | 5/3/2010 12:02:27 PM |
| zebra6 | $25.00 | $22.47 | 5/3/2010 2:31:41 PM |
| wwwUniversal | $25.00 | $25.00 | 5/3/2010 5:47:10 PM |
| generous-deal6 | $25.00 | $25.00 | 5/3/2010 5:51:00 PM |
| patriot384 | $150.00 | $150.00 | 5/3/2010 5:43:37 PM |
| 138 bids
|
Borrower Payment Dependent Notes Series
455768
This series of Notes was issued and sold upon the funding of the borrower loan #42335, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Apr-28-2010 |
| |
Auction end date:
| May-05-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 20
/
19 | Length of status: | 8y 5m |
|
Credit score:
| 600-619 (Apr-2010) |
Total credit lines:
| 42 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,606 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| Meljim12 |
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 history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 33 ( 92% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 3
( 8% )
| 600-619
(Sep-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
paying off medical bill
Purpose of loan:
This loan will be used to pay off a medical bill and some credit cards.
My financial situation:
I am a good candidate for this loan because? I previously had a loan and paid it off?on time without any issues. ?
Monthly net income: $ 2900 plus bonuses
Monthly expenses: $
??Housing: $ 516
??Insurance: $?included
??Car expenses: $ 332
??Utilities: $?100
??Phone, cable, internet: $ 121
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?400
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Humans, this is an excellent investment, let's lend to this one! Oh, I've got a question, in how many months do you plan on repaying this loan? PS: Please answer publicly. - hektek22
A:
I plan on paying this off in 36 months or less.
(Apr-29-2010)
Q:
How much is the medical bill? How much will you pay off on credit cards? Thanks and best wishes. - reflective-rupee
A:
My medical bill is $2141.18. The rest will be applied to credit card debt.
(Apr-29-2010)
Q:
How did you revolving debt get so high (97% of availability)? Thanks - reflective-rupee
A:
Personal issues at home had forced me to depend on credit cards for awhile to support my child. I'm in the process of paying down the debt, but as you may know, most credit card companies increased all the interest rates. I was getting ahead until I had a trip to the emergency room.
(Apr-29-2010)
Q:
see my page. thank you - Tono
A:
Total monthly expense is $1968
(May-04-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $400.00 | $400.00 | 4/28/2010 5:23:23 PM |
| YoungTaxMan | $50.00 | $50.00 | 4/28/2010 5:15:28 PM |
| frugalinvestor20 | $25.00 | $25.00 | 4/28/2010 5:22:13 PM |
| jhouman | $25.00 | $25.00 | 4/28/2010 5:25:00 PM |
| big_balla | $25.00 | $25.00 | 4/28/2010 10:09:41 PM |
| Skeptical-one | $25.00 | $25.00 | 4/29/2010 9:05:17 AM |
| reflective-rupee | $100.00 | $100.00 | 4/29/2010 9:59:17 AM |
| reflective-rupee | $100.00 | $100.00 | 4/29/2010 10:46:40 AM |
| respectful-credit3 | $100.00 | $100.00 | 4/29/2010 4:28:07 PM |
| SolarMoonshine | $25.00 | $25.00 | 4/29/2010 5:54:24 PM |
| Unitas4302 | $83.59 | $83.59 | 4/30/2010 4:05:50 AM |
| Ogerta | $25.00 | $25.00 | 4/29/2010 10:15:28 PM |
| best-generosity-financier | $25.00 | $25.00 | 5/2/2010 11:14:53 PM |
| lucrative-loan | $51.65 | $51.65 | 5/3/2010 7:50:48 PM |
| best-generosity-financier | $25.00 | $25.00 | 5/3/2010 7:29:19 PM |
| reflective-rupee | $100.00 | $100.00 | 5/4/2010 9:21:50 AM |
| reflective-rupee | $100.00 | $100.00 | 5/4/2010 9:22:15 AM |
| well-mannered-income3 | $100.00 | $100.00 | 5/4/2010 12:43:43 PM |
| YoungTaxMan | $200.00 | $200.00 | 5/4/2010 2:32:16 PM |
| c_justin | $25.00 | $25.00 | 5/4/2010 12:35:41 PM |
| sensible-fund | $35.50 | $35.50 | 5/4/2010 5:16:41 PM |
| Kash2010lu | $25.00 | $25.00 | 5/4/2010 7:41:16 PM |
| credit-missile | $42.73 | $42.73 | 5/4/2010 8:15:16 PM |
| chameleon125 | $50.00 | $50.00 | 5/4/2010 9:14:30 PM |
| fascinating-gold | $250.00 | $215.17 | 5/4/2010 5:31:24 PM |
| zeeexsixare | $33.59 | $33.59 | 5/4/2010 6:41:46 PM |
| MrMoneyBags | $25.00 | $25.00 | 5/5/2010 4:14:27 AM |
| dudebrah | $25.00 | $25.00 | 5/4/2010 7:47:29 PM |
| allbalooboy2 | $25.00 | $25.00 | 5/4/2010 8:17:58 PM |
| wwwUniversal | $25.00 | $25.00 | 5/4/2010 9:11:03 PM |
| finance-prescription | $50.00 | $50.00 | 4/28/2010 5:22:19 PM |
| fund-secret-agent | $25.00 | $25.00 | 4/29/2010 11:55:23 AM |
| Ronnieboy888 | $25.00 | $25.00 | 5/2/2010 9:46:21 PM |
| Kash2010lu | $25.00 | $25.00 | 5/3/2010 11:37:54 PM |
| selector568 | $100.00 | $100.00 | 5/4/2010 3:58:10 AM |
| reflective-rupee | $100.00 | $100.00 | 5/4/2010 9:22:02 AM |
| five-star-note | $27.32 | $27.32 | 5/4/2010 9:54:48 AM |
| innovator2 | $65.83 | $65.83 | 5/4/2010 10:21:27 AM |
| vigilance-searcher | $25.00 | $25.00 | 5/4/2010 11:50:36 AM |
| Bob450 | $40.00 | $40.00 | 5/4/2010 12:40:48 PM |
| trade-guru938 | $100.00 | $100.00 | 5/4/2010 9:04:11 PM |
| Spinnaker | $50.00 | $50.00 | 5/4/2010 5:27:23 PM |
| 1traveler | $25.00 | $25.00 | 5/4/2010 5:45:07 PM |
| Tono | $25.00 | $25.00 | 5/4/2010 5:47:50 PM |
| DebtRelief777 | $29.62 | $29.62 | 5/5/2010 4:07:43 AM |
| garnetchik | $25.00 | $25.00 | 5/4/2010 8:46:23 PM |
| lendstats_com | $50.00 | $50.00 | 5/4/2010 9:14:35 PM |
| MilitaryLending | $100.00 | $100.00 | 5/5/2010 3:32:05 AM |
| 48 bids
|
Borrower Payment Dependent Notes Series
455778
This series of Notes was issued and sold upon the funding of the borrower loan #42326, 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-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $311.77 |
|
Final lender yield:
| 26.00% |
Final borrower rate/APR:
| 27.00% / 29.33% |
Final monthly payment:
| $306.19 |
| |
|
Auction yield range:
| 11.04% - 27.38% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 29y 2m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 34 |
Occupation: | Postal Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,498 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kctrick |
Borrower's state:
| Ohio |
Borrower's group:
| Government Employees |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 35 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $18,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2008)
660-679
(May-2007)
640-659
(Feb-2007)
|
|
Principal balance:
| $3,278.06 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Prosper=Lower rates than Chase
Purpose of loan: The interest rates on all of my credit cards have risen too high the past year, despite my timely payment history. I'd rather owe the Prosper community money than Chase, HSBC and Capital One
?financial situation:
(explain why you are a good candidate for paying back this loan) I've been employed by the USPS for over 30 years.I'm guaranteed to never be laid-off by contract.?I work an average of?45 hours weekly.My credit score has gone down to 693 despite owing $12,000 less than 2 years ago. As I've payed down debt, the credit card companies have lowered my limit, while raising my interest rate by an average of 7% higher than it was.
Monthly net income: $ 4,000.00
Monthly expenses: $
??Housing: $ 640.00
??Insurance: $?70.00??Car expenses: $225.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1300.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I think you?re a great candidate for this loan!...What?s your total 1st and 2nd mortgage payment with yearly (or monthly) property tax and insurance? Also, what?s the rough value and total owed on the home? (use www.zillow.com for estimate) THANKS! - SmartConsolidation
A:
I have my property taxes and insurance taken out of my mortgage payments bi-monthly. I only have one mortgage. The payment is about $700 a month total. I owe about 75K on an 88K home.
(Apr-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DasMula | $25.00 | $25.00 | 4/27/2010 10:07:52 AM |
| Aberdeen | $400.00 | $400.00 | 4/27/2010 10:35:53 AM |
| Whipster | $25.00 | $25.00 | 4/27/2010 10:53:48 AM |
| twjh | $25.00 | $25.00 | 4/27/2010 12:23:20 PM |
| srthsvghdthtr | $25.00 | $25.00 | 4/27/2010 4:34:25 PM |
| UCLA4life | $25.00 | $25.00 | 4/27/2010 4:22:49 PM |
| jhouman | $25.00 | $25.00 | 4/27/2010 4:24:51 PM |
| reflective-rupee | $250.00 | $250.00 | 4/27/2010 10:33:52 PM |
| FinanceEngine | $25.00 | $25.00 | 4/28/2010 2:32:52 PM |
| mercuriant | $25.00 | $25.00 | 4/28/2010 5:26:27 PM |
| shawnw2 | $30.35 | $30.35 | 4/28/2010 5:49:40 PM |
| JustMee | $25.00 | $25.00 | 4/28/2010 5:35:48 PM |
| Maksimus | $31.39 | $31.39 | 4/28/2010 7:01:20 PM |
| Megatron404 | $25.00 | $25.00 | 4/28/2010 9:22:17 PM |
| ksubd | $30.00 | $30.00 | 4/28/2010 9:51:01 PM |
| atomantic | $50.00 | $50.00 | 4/28/2010 11:23:53 PM |
| credible-coin | $59.62 | $59.62 | 4/28/2010 6:20:26 PM |
| Skeptical-one | $25.00 | $25.00 | 4/29/2010 9:08:55 AM |
| foothillender | $25.00 | $25.00 | 4/29/2010 7:52:51 AM |
| debtcollector | $50.00 | $50.00 | 4/29/2010 2:26:11 PM |
| ptjg | $25.00 | $25.00 | 4/29/2010 2:56:00 PM |
| jpblan11 | $25.00 | $25.00 | 4/29/2010 3:07:19 PM |
| payout-mongoose | $50.00 | $50.00 | 4/29/2010 3:54:26 PM |
| kttalamo | $25.00 | $25.00 | 4/29/2010 10:34:22 PM |
| 113121 | $500.00 | $500.00 | 4/30/2010 10:17:25 AM |
| lucky2 | $25.00 | $25.00 | 4/29/2010 11:15:11 PM |
| himanshuko | $25.00 | $25.00 | 4/30/2010 11:21:45 AM |
| charming-point | $300.00 | $300.00 | 4/30/2010 11:29:25 AM |
| buffalobills | $25.00 | $25.00 | 4/30/2010 12:23:23 PM |
| appcoder | $30.00 | $30.00 | 4/30/2010 10:53:40 AM |
| checzwick | $25.00 | $25.00 | 4/30/2010 12:34:26 PM |
| jaesposito | $25.00 | $25.00 | 4/30/2010 4:33:34 PM |
| Rogesparkguy | $25.00 | $25.00 | 5/2/2010 10:05:54 PM |
| revenue-marauder0 | $25.00 | $25.00 | 5/2/2010 11:10:05 PM |
| mattblizz | $25.00 | $25.00 | 5/3/2010 12:04:44 AM |
| fearless-contract | $35.00 | $35.00 | 5/3/2010 5:23:16 AM |
| Leshan | $75.00 | $75.00 | 5/3/2010 7:28:43 AM |
| dynamic-platinum | $25.00 | $25.00 | 5/3/2010 9:45:50 AM |
| clemclan | $67.35 | $67.35 | 5/3/2010 12:51:59 PM |
| eod_man | $133.00 | $133.00 | 5/3/2010 1:14:10 PM |
| ore-dojo | $25.00 | $25.00 | 5/3/2010 4:09:31 PM |
| SFBank | $200.00 | $200.00 | 5/3/2010 6:43:09 PM |
| peregrine | $36.91 | $36.91 | 5/3/2010 9:29:56 PM |
| Bob450 | $75.00 | $75.00 | 5/3/2010 10:00:12 PM |
| allbalooboy2 | $50.00 | $50.00 | 5/3/2010 10:47:18 PM |
| Kash2010lu | $35.00 | $35.00 | 5/3/2010 11:15:07 PM |
| triumph246 | $100.00 | $100.00 | 5/4/2010 1:38:56 AM |
| buphigam | $30.00 | $30.00 | 5/4/2010 2:45:18 AM |
| investment-party | $150.19 | $150.19 | 5/4/2010 6:03:05 AM |
| market-pudding | $25.00 | $25.00 | 5/4/2010 6:32:25 AM |
| grnii78 | $150.00 | $150.00 | 5/4/2010 7:36:06 AM |
| grnii78 | $150.00 | $150.00 | 5/4/2010 7:36:24 AM |
| WZ3190 | $25.18 | $25.18 | 5/4/2010 7:40:35 AM |
| nbhz60a | $25.00 | $25.00 | 5/4/2010 8:36:19 AM |
| enchanted-reward1 | $25.00 | $25.00 | 5/4/2010 9:15:04 AM |
| the-payout-hug | $25.00 | $25.00 | 5/4/2010 9:15:52 AM |
| DasMula | $25.00 | $25.00 | 4/27/2010 10:06:45 AM |
| DasMula | $25.00 | $25.00 | 4/27/2010 10:07:22 AM |
| Aberdeen | $400.00 | $400.00 | 4/27/2010 10:35:48 AM |
| loan-fate | $50.00 | $50.00 | 4/27/2010 10:53:51 AM |
| twjh | $25.00 | $25.00 | 4/27/2010 12:07:57 PM |
| gourd6 | $25.00 | $25.00 | 4/27/2010 12:17:55 PM |
| sincere-investment4 | $50.00 | $50.00 | 4/27/2010 12:59:17 PM |
| irrelevant | $25.00 | $25.00 | 4/27/2010 3:57:02 PM |
| Rabid_Dove | $25.00 | $25.00 | 4/27/2010 3:25:37 PM |
| Steffy1976 | $50.00 | $50.00 | 4/28/2010 6:26:50 AM |
| BarTop | $25.00 | $25.00 | 4/28/2010 7:58:24 AM |
| frogperson | $150.00 | $74.87 | 4/27/2010 9:19:15 PM |
| market-pudding | $25.00 | $25.00 | 4/28/2010 6:08:48 AM |
| felicity-daydream | $75.00 | $75.00 | 4/28/2010 10:44:20 AM |
| LenderExtraordinaire | $25.00 | $25.00 | 4/28/2010 12:24:30 PM |
| MoneyForNothing | $25.00 | $25.00 | 4/28/2010 4:51:23 PM |
| Starfin-Capital-Management | $50.00 | $50.00 | 4/28/2010 9:12:19 PM |
| ChrisKwan | $25.00 | $25.00 | 4/29/2010 9:36:44 AM |
| scoobiedoo | $25.00 | $25.00 | 4/29/2010 5:51:11 PM |
| enthusiastic-balance5 | $250.00 | $250.00 | 4/29/2010 7:09:42 PM |
| l2fp | $39.79 | $39.79 | 4/29/2010 11:02:39 PM |
| BigBizBuilder | $200.00 | $200.00 | 4/30/2010 6:53:17 AM |
| quest0 | $44.04 | $44.04 | 4/30/2010 8:56:25 AM |
| FollowMe2Freedom | $25.00 | $25.00 | 4/30/2010 10:11:59 AM |
| integrity-doctor | $100.00 | $100.00 | 4/30/2010 11:53:24 AM |
| mhotchan | $150.00 | $150.00 | 4/30/2010 7:27:50 AM |
| mason5 | $75.00 | $75.00 | 4/30/2010 1:05:42 PM |
| seajab | $25.00 | $25.00 | 4/30/2010 3:20:10 PM |
| vivacious-p2p3 | $25.00 | $25.00 | 4/30/2010 5:27:02 PM |
| peso-miser | $75.00 | $75.00 | 5/2/2010 9:22:27 PM |
| Ronnieboy888 | $25.00 | $25.00 | 5/2/2010 9:39:35 PM |
| best-commanding-funds | $25.00 | $25.00 | 5/2/2010 9:34:20 PM |
| patriot384 | $150.00 | $150.00 | 5/3/2010 6:21:50 AM |
| The-CAPS-fan | $39.00 | $39.00 | 5/3/2010 7:16:47 AM |
| LeoBUSIIT | $25.00 | $25.00 | 5/3/2010 8:44:59 AM |
| captainzero | $75.00 | $75.00 | 5/3/2010 8:11:43 AM |
| Realty24 | $25.00 | $25.00 | 5/3/2010 9:45:36 AM |
| crawfishcentral | $25.00 | $25.00 | 5/3/2010 10:12:42 AM |
| grnii78 | $40.71 | $40.71 | 5/3/2010 1:39:36 PM |
| rockhound84 | $25.00 | $25.00 | 5/3/2010 4:20:26 PM |
| shrewd-income | $25.00 | $25.00 | 5/3/2010 5:53:45 PM |
| Book-Mark | $41.73 | $41.73 | 5/3/2010 6:50:15 PM |
| RugbyFan | $25.00 | $25.00 | 5/3/2010 7:52:27 PM |
| charitycoon | $25.00 | $25.00 | 5/3/2010 7:56:22 PM |
| Flanders122 | $25.00 | $25.00 | 5/3/2010 9:32:01 PM |
| 1-HARD-HEAD | $50.00 | $50.00 | 5/4/2010 3:30:39 AM |
| shawnw2 | $55.87 | $55.87 | 5/4/2010 2:51:59 AM |
| principal-laser | $50.00 | $50.00 | 5/4/2010 4:19:15 AM |
| wonder3 | $25.00 | $25.00 | 5/4/2010 6:11:58 AM |
| ZOOOM | $25.00 | $25.00 | 5/4/2010 7:02:53 AM |
| Ogerta | $95.00 | $95.00 | 5/4/2010 7:24:02 AM |
| principal-star | $25.00 | $25.00 | 5/4/2010 7:48:53 AM |
| 113121 | $600.00 | $600.00 | 5/4/2010 8:50:45 AM |
| rate-hickory | $25.00 | $25.00 | 5/4/2010 8:58:02 AM |
| credit-coach118 | $75.00 | $75.00 | 5/4/2010 9:04:20 AM |
| 111 bids
|
Borrower Payment Dependent Notes Series
455816
This series of Notes was issued and sold upon the funding of the borrower loan #42358, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $226.24 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 22.14% |
Final monthly payment:
| $222.68 |
| |
|
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-2002 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
13 | Length of status: | 8y 4m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,728 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ecmguy |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 24 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Aug-2009)
620-639
(Jul-2009)
620-639
(Apr-2009)
540-559
(Dec-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Medical Expense
Purpose of loan:
This loan will be used to pay down a medical bill.
My financial situation:
I have a solid track record in paying my debt obligations on time. I am a business professional working as an IT Business Consultant for a firm in Houston, Texas. I have been gainfully employed with the same company since 2002. My credit score is much lower than it would otherwise be if not for a difficult decision to file for bankruptcy 8 years ago. I ventured out on my own to start a business funded with personal capital and once things turned south made the tough choice towards Chapter 7 filing. Since then my credit history has been impeccable and I have the financial ability to repay the loan I've requested.
Thanks in advance for your consideration.
Monthly net income: $ 4,150
Monthly expenses: $ 3,160
??Housing: $ 920
??Insurance: $ 90
??Car expenses: $
75
??Utilities: $
100
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $
100
??Credit cards and other loans: $ 1,025
??Other expenses: $
150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| KandKLegacyInvestments | $25.00 | $25.00 | 4/27/2010 9:23:46 AM |
| dinero-speaker | $25.00 | $25.00 | 4/27/2010 9:58:34 AM |
| delicious-social132 | $25.00 | $25.00 | 4/27/2010 9:58:10 AM |
| GiantAardvark | $25.00 | $25.00 | 4/27/2010 10:02:14 AM |
| AF-Chief | $27.00 | $27.00 | 4/27/2010 9:52:17 AM |
| rider350 | $25.00 | $25.00 | 4/27/2010 10:02:36 AM |
| torion | $25.00 | $25.00 | 4/27/2010 9:57:14 AM |
| orderly-leverage | $40.00 | $40.00 | 4/27/2010 9:59:50 AM |
| JGB | $25.00 | $25.00 | 4/27/2010 10:00:24 AM |
| integrity-doctor | $100.00 | $100.00 | 4/27/2010 10:01:25 AM |
| thorough-exchange4 | $25.00 | $25.00 | 4/27/2010 10:03:04 AM |
| Marathoner | $25.00 | $25.00 | 4/27/2010 10:19:38 AM |
| bowdish1 | $50.00 | $50.00 | 4/27/2010 10:24:17 AM |
| Dap2005 | $25.00 | $25.00 | 4/27/2010 10:25:10 AM |
| mpatrick | $25.00 | $25.00 | 4/27/2010 10:24:51 AM |
| castleman | $25.00 | $25.00 | 4/27/2010 10:28:23 AM |
| priceless-money6 | $50.00 | $45.17 | 4/27/2010 10:32:42 AM |
| return-eclipse0 | $25.00 | $25.00 | 4/27/2010 10:23:18 AM |
| finance-prescription | $100.00 | $100.00 | 4/27/2010 10:25:21 AM |
| important-ore | $50.00 | $50.00 | 4/27/2010 10:25:44 AM |
| upbeat-principal | $25.00 | $25.00 | 4/27/2010 10:27:57 AM |
| organic-income5 | $40.00 | $40.00 | 4/27/2010 10:28:12 AM |
| Artist_Blue | $25.00 | $25.00 | 4/27/2010 10:31:44 AM |
| nickel-ferret | $25.00 | $25.00 | 4/27/2010 10:32:31 AM |
| Bank_Of_XL | $25.00 | $25.00 | 4/27/2010 7:02:12 PM |
| icecoldcash | $50.00 | $50.00 | 4/27/2010 9:35:17 PM |
| icecoldcash | $25.00 | $25.00 | 4/27/2010 9:34:37 PM |
| icecoldcash | $50.00 | $50.00 | 4/27/2010 9:35:33 PM |
| Whipster | $25.00 | $25.00 | 4/27/2010 7:24:43 PM |
| independent-dollar | $27.00 | $27.00 | 4/28/2010 7:09:42 AM |
| interstellar | $50.00 | $50.00 | 4/28/2010 11:18:00 AM |
| dbanwart | $25.00 | $25.00 | 4/28/2010 6:38:16 PM |
| 113121 | $25.00 | $25.00 | 4/29/2010 7:16:48 AM |
| the-profit-oracle | $25.00 | $25.00 | 4/29/2010 10:57:11 AM |
| 1-HARD-HEAD | $50.00 | $50.00 | 4/28/2010 11:52:07 PM |
| duty-monger | $50.00 | $50.00 | 4/29/2010 3:48:09 AM |
| 113121 | $500.00 | $500.00 | 4/30/2010 10:15:47 AM |
| 113121 | $500.00 | $500.00 | 4/30/2010 10:15:19 AM |
| TashaRemay | $25.00 | $25.00 | 4/30/2010 10:36:09 AM |
| jpblan11 | $25.00 | $25.00 | 4/30/2010 4:49:01 PM |
| patriot384 | $300.00 | $300.00 | 5/3/2010 6:23:17 AM |
| Leshan | $47.11 | $47.11 | 5/3/2010 7:31:49 AM |
| Occhy | $50.00 | $50.00 | 5/3/2010 12:17:39 PM |
| Milonguero | $100.00 | $100.00 | 5/3/2010 5:55:41 PM |
| MoneyMover | $25.00 | $25.00 | 5/3/2010 6:15:24 PM |
| Bob450 | $40.00 | $40.00 | 5/3/2010 10:02:32 PM |
| DasMula | $25.00 | $25.00 | 5/4/2010 7:32:32 AM |
| divine940 | $41.56 | $41.56 | 5/4/2010 7:31:50 AM |
| grammaspurse | $25.00 | $25.00 | 5/4/2010 8:41:10 AM |
| fortytwo | $200.00 | $200.00 | 4/27/2010 9:28:59 AM |
| Avala | $50.00 | $50.00 | 4/27/2010 9:57:47 AM |
| mmckune | $25.00 | $25.00 | 4/27/2010 9:59:20 AM |
| unassassinable | $25.00 | $25.00 | 4/27/2010 9:59:23 AM |
| loan-kung-fu | $25.00 | $25.00 | 4/27/2010 10:02:07 AM |
| interest-jedi0 | $50.00 | $50.00 | 4/27/2010 10:01:04 AM |
| market-pudding | $25.00 | $25.00 | 4/27/2010 10:03:45 AM |
| gelidfrank | $25.00 | $25.00 | 4/27/2010 10:05:20 AM |
| hrubinst | $25.00 | $25.00 | 4/27/2010 9:57:10 AM |
| balanced-bill7 | $100.00 | $100.00 | 4/27/2010 10:01:51 AM |
| sgt-schultz | $50.00 | $50.00 | 4/27/2010 10:19:22 AM |
| a-consummate-camaraderi | $50.00 | $50.00 | 4/27/2010 10:22:31 AM |
| dschaaf | $25.00 | $25.00 | 4/27/2010 10:26:47 AM |
| ichibon | $75.00 | $75.00 | 4/27/2010 10:17:05 AM |
| Comoparklender | $30.00 | $30.00 | 4/27/2010 10:17:46 AM |
| fairness-champ7 | $25.00 | $25.00 | 4/27/2010 10:27:19 AM |
| transparency-advocator | $25.00 | $25.00 | 4/27/2010 10:18:39 AM |
| vanderhp | $25.00 | $25.00 | 4/27/2010 10:29:51 AM |
| sarisai | $409.08 | $409.08 | 4/27/2010 10:29:59 AM |
| CAGE-Investments | $75.00 | $75.00 | 4/27/2010 10:31:07 AM |
| r0b3m4n | $25.00 | $25.00 | 4/27/2010 10:30:55 AM |
| radforj22 | $25.00 | $25.00 | 4/27/2010 10:24:00 AM |
| powerful-finance7 | $25.00 | $25.00 | 4/27/2010 10:24:41 AM |
| DcUnited | $25.00 | $25.00 | 4/27/2010 10:30:40 AM |
| Aberdeen | $400.00 | $400.00 | 4/27/2010 10:53:52 AM |
| twjh | $25.00 | $25.00 | 4/27/2010 4:50:44 PM |
| uncleubb | $25.00 | $25.00 | 4/27/2010 4:37:37 PM |
| icecoldcash | $25.00 | $25.00 | 4/27/2010 9:35:52 PM |
| icecoldcash | $25.00 | $25.00 | 4/27/2010 9:35:03 PM |
| CA_Lender | $25.00 | $25.00 | 4/28/2010 3:45:03 AM |
| Easystreet | $25.00 | $25.00 | 4/28/2010 1:05:55 PM |
| frogperson | $100.00 | $100.00 | 4/29/2010 8:56:29 AM |
| atomantic | $50.00 | $50.00 | 4/28/2010 11:32:02 PM |
| money-fort | $25.00 | $25.00 | 4/29/2010 6:05:06 PM |
| Ambassador | $39.00 | $39.00 | 4/29/2010 8:29:49 PM |
| MStackIV | $25.00 | $25.00 | 4/30/2010 2:48:09 PM |
| Dollars4Rent | $25.00 | $25.00 | 5/2/2010 10:35:08 PM |
| wwwUniversal | $25.00 | $25.00 | 5/3/2010 5:45:18 AM |
| enchanted-reward1 | $25.00 | $25.00 | 5/3/2010 8:24:38 AM |
| forthright-trade | $25.00 | $25.00 | 5/3/2010 10:21:43 AM |
| Southern_Illinois_Girl | $29.08 | $29.08 | 5/3/2010 5:09:19 PM |
| TravisMcGee | $35.00 | $35.00 | 5/3/2010 8:48:03 PM |
| Kash2010lu | $25.00 | $25.00 | 5/3/2010 11:15:43 PM |
| Montgomery-Burns | $25.00 | $25.00 | 5/4/2010 2:28:58 AM |
| mbf2234 | $25.00 | $25.00 | 5/4/2010 6:01:57 AM |
| wonder3 | $25.00 | $25.00 | 5/4/2010 6:16:43 AM |
| easylivin | $25.00 | $25.00 | 5/4/2010 7:27:01 AM |
| 113121 | $500.00 | $500.00 | 5/4/2010 8:52:46 AM |
| 97 bids
|
Borrower Payment Dependent Notes Series
455934
This series of Notes was issued and sold upon the funding of the borrower loan #42348, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-03-2010 |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $185.62 |
|
Final lender yield:
| 6.10% |
Final borrower rate/APR:
| 7.10% / 7.44% |
Final monthly payment:
| $185.54 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1985 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
16 | Length of status: | 1y 3m |
|
Credit score:
| 820-839 (Apr-2010) |
Total credit lines:
| 36 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,980 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mdhensley911 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 6 |
On-time:
| 13 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $23,200.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2008)
740-759
(Nov-2007)
780-799
(Aug-2007)
740-759
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Pay off LAST credit card!!!!
Purpose of loan:
This loan will be used to pay off my LAST credit card (Citibank).
My financial situation:
I am a good candidate for this loan because:
1.? I have had many listings with Prosper in the past and have paid every one of them and paid them off early.
2.? I have a great income and, let's face it, I will not have any problem finding a job any place in the U.S. due to the current (and worsening) nursing shortage.
3.? With regards to the above, I can work all of the overtime I want! :)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| capital-web193 | $25.00 | $25.00 | 4/27/2010 5:02:46 PM |
| LoanAngel | $25.00 | $25.00 | 4/27/2010 5:03:26 PM |
| radforj22 | $40.00 | $40.00 | 4/27/2010 5:03:38 PM |
| golden-responsibility189 | $50.00 | $50.00 | 4/27/2010 5:04:28 PM |
| alcyon | $25.00 | $25.00 | 4/27/2010 5:05:48 PM |
| rider350 | $50.00 | $50.00 | 4/27/2010 5:06:33 PM |
| castleman | $25.00 | $25.00 | 4/27/2010 5:08:02 PM |
| balanced-bill7 | $50.00 | $50.00 | 4/27/2010 5:07:19 PM |
| credit-scout7 | $30.00 | $30.00 | 4/27/2010 5:07:49 PM |
| telegon | $25.00 | $25.00 | 4/27/2010 5:08:06 PM |
| harty | $60.00 | $60.00 | 4/27/2010 5:08:11 PM |
| tender-integrity3 | $50.00 | $50.00 | 4/27/2010 5:16:32 PM |
| GrommetPosse | $25.00 | $25.00 | 4/27/2010 5:16:44 PM |
| fortytwo | $100.00 | $100.00 | 4/27/2010 5:03:16 PM |
| Interloper | $35.00 | $35.00 | 4/27/2010 5:03:23 PM |
| dlshap | $25.00 | $25.00 | 4/27/2010 5:18:12 PM |
| Divot | $25.00 | $25.00 | 4/27/2010 5:18:16 PM |
| resource777 | $25.00 | $25.00 | 4/27/2010 5:04:14 PM |
| elasermd | $50.00 | $50.00 | 4/27/2010 5:04:21 PM |
| Taxman44 | $25.00 | $25.00 | 4/27/2010 5:04:38 PM |
| loan-warrior | $25.00 | $25.00 | 4/27/2010 5:04:44 PM |
| HunterSix | $25.00 | $25.00 | 4/27/2010 5:23:26 PM |
| turbospeed | $25.00 | $25.00 | 4/27/2010 5:05:57 PM |
| fcukciti | $50.00 | $50.00 | 4/27/2010 5:22:11 PM |
| CaptainBlueberry | $25.00 | $25.00 | 4/27/2010 5:06:44 PM |
| tenacious-compassion9 | $30.00 | $30.00 | 4/27/2010 5:24:36 PM |
| bonus-adventure3 | $25.00 | $25.00 | 4/27/2010 5:24:54 PM |
| delicious-social132 | $40.00 | $40.00 | 4/27/2010 5:24:16 PM |
| figs4u2 | $80.00 | $80.00 | 4/27/2010 5:25:40 PM |
| thorough-exchange4 | $40.00 | $40.00 | 4/27/2010 5:26:17 PM |
| Daneistes | $100.00 | $100.00 | 4/27/2010 5:25:02 PM |
| antlr | $25.00 | $25.00 | 4/27/2010 5:25:08 PM |
| kulender | $25.00 | $25.00 | 4/27/2010 5:25:17 PM |
| interest-jedi0 | $50.00 | $50.00 | 4/27/2010 5:25:25 PM |
| money-surge1 | $25.00 | $25.00 | 4/27/2010 5:25:29 PM |
| GiantAardvark | $25.00 | $25.00 | 4/27/2010 5:25:36 PM |
| afotherg | $25.00 | $25.00 | 4/27/2010 5:25:48 PM |
| engaging-worth | $25.00 | $25.00 | 4/27/2010 5:52:40 PM |
| dharma1 | $25.00 | $25.00 | 4/27/2010 5:16:48 PM |
| zippy-revenue8 | $25.00 | $25.00 | 4/27/2010 6:34:22 PM |
| Marathoner | $25.00 | $25.00 | 4/27/2010 5:17:03 PM |
| WHEREISTHEMOON | $25.00 | $25.00 | 4/27/2010 5:23:15 PM |
| evnagelist | $25.00 | $25.00 | 4/27/2010 5:23:49 PM |
| fantastic-openness | $50.00 | $50.00 | 4/27/2010 5:24:41 PM |
| bright-balance | $25.00 | $25.00 | 4/27/2010 5:24:46 PM |
| DukSerduk | $25.00 | $25.00 | 4/27/2010 5:25:12 PM |
| investment-network | $25.00 | $25.00 | 4/27/2010 5:26:03 PM |
| superchicken | $25.00 | $25.00 | 4/27/2010 5:26:24 PM |
| Angleofcare | $25.00 | $25.00 | 4/27/2010 10:57:40 PM |
| blot44 | $25.00 | $25.00 | 4/27/2010 7:20:01 PM |
| five-star-asset2 | $25.00 | $25.00 | 4/28/2010 4:55:46 AM |
| Merganser | $25.00 | $25.00 | 4/28/2010 6:02:49 AM |
| gain-seagull9 | $25.00 | $25.00 | 4/28/2010 5:12:53 AM |
| organic-income5 | $50.00 | $50.00 | 4/28/2010 7:04:50 AM |
| Luminous-P | $25.00 | $25.00 | 4/28/2010 11:48:23 AM |
| dimitrip1024 | $25.00 | $25.00 | 4/28/2010 11:49:59 AM |
| ahansen | $25.00 | $25.00 | 4/28/2010 11:26:32 AM |
| alaco | $25.00 | $25.00 | 4/28/2010 11:35:28 AM |
| magical-greenback | $25.00 | $25.00 | 4/28/2010 12:30:20 PM |
| devoider | $25.00 | $25.00 | 4/28/2010 12:39:44 PM |
| hbzchimar | $25.00 | $25.00 | 4/28/2010 12:24:20 PM |
| 1phantom | $50.00 | $50.00 | 4/28/2010 9:21:18 AM |
| junctionking | $25.00 | $25.00 | 4/28/2010 12:30:06 PM |
| hard-working-loot | $25.00 | $25.00 | 4/28/2010 12:53:18 PM |
| paymeplease | $25.00 | $25.00 | 4/28/2010 1:44:58 PM |
| HHP | $25.00 | $25.00 | 4/28/2010 12:55:04 PM |
| blissful-note7 | $25.00 | $25.00 | 4/28/2010 12:57:37 PM |
| respectful-integrity3 | $25.00 | $25.00 | 4/28/2010 1:52:47 PM |
| inqbus | $25.00 | $25.00 | 4/28/2010 2:33:49 PM |
| Microfinancer | $25.00 | $25.00 | 4/28/2010 1:53:06 PM |
| samo102us | $25.00 | $25.00 | 4/28/2010 2:59:30 PM |
| axl163 | $25.00 | $25.00 | 4/28/2010 11:26:34 AM |
| iolaire | $25.00 | $25.00 | 4/28/2010 2:35:25 PM |
| open-minded-credit4 | $25.00 | $25.00 | 4/28/2010 4:03:56 PM |
| Dap2005 | $39.91 | $39.91 | 4/28/2010 4:16:02 PM |
| balance-warrior | $25.00 | $25.00 | 4/28/2010 2:59:03 PM |
| neutrino6 | $25.00 | $25.00 | 4/28/2010 4:23:26 PM |
| naina_my_daughter | $25.00 | $25.00 | 4/28/2010 12:23:58 PM |
| treasure-transporter | $25.00 | $25.00 | 4/28/2010 12:48:20 PM |
| cash-queen | $25.22 | $25.22 | 4/28/2010 12:53:31 PM |
| CollinsCrew | $25.00 | $25.00 | 4/28/2010 2:18:50 PM |
| cash-vault | $25.00 | $25.00 | 4/28/2010 4:03:58 PM |
| MoneyForNothing | $25.00 | $25.00 | 4/28/2010 4:53:03 PM |
| salala | $25.00 | $25.00 | 4/28/2010 6:04:53 PM |
| dumbass | $25.00 | $25.00 | 4/28/2010 7:37:46 PM |
| MartiniCognac | $25.00 | $25.00 | 4/28/2010 10:52:42 PM |
| flwah | $25.00 | $25.00 | 4/28/2010 5:48:36 PM |
| don8ter | $42.99 | $26.44 | 4/29/2010 4:42:41 AM |
| discrete-asset | $25.00 | $25.00 | 4/29/2010 1:43:17 AM |
| Okeey | $100.00 | $100.00 | 4/29/2010 8:07:35 AM |
| julijask | $35.00 | $35.00 | 4/29/2010 8:44:47 AM |
| wwwUniversal | $25.00 | $25.00 | 4/29/2010 9:36:57 AM |
| dontscrewmeover1 | $50.00 | $50.00 | 4/29/2010 6:37:54 PM |
| zx12rider | $25.00 | $25.00 | 4/30/2010 2:50:55 PM |
| giovani | $25.00 | $25.00 | 5/2/2010 11:41:47 PM |
| Jiangtao | $25.00 | $25.00 | 5/3/2010 11:51:43 AM |
| upbeat-principal | $25.00 | $25.00 | 4/27/2010 5:03:55 PM |
| jeffpac | $55.00 | $55.00 | 4/27/2010 5:03:30 PM |
| sgt-schultz | $50.00 | $50.00 | 4/27/2010 5:04:49 PM |
| inspired-contract9 | $50.00 | $50.00 | 4/27/2010 5:05:42 PM |
| Brainworm | $25.00 | $25.00 | 4/27/2010 5:07:04 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 4/27/2010 5:07:24 PM |
| liberty-bearer0 | $25.00 | $25.00 | 4/27/2010 5:07:40 PM |
| nickel-advocator | $25.00 | $25.00 | 4/27/2010 5:09:07 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 4/27/2010 5:13:25 PM |
| financialaid | $25.00 | $25.00 | 4/27/2010 5:08:21 PM |
| kenji4861 | $25.00 | $25.00 | 4/27/2010 5:15:05 PM |
| meux99 | $25.00 | $25.00 | 4/27/2010 5:15:45 PM |
| DeltaGambler | $25.00 | $25.00 | 4/27/2010 5:17:44 PM |
| mlopez2007 | $50.00 | $50.00 | 4/27/2010 5:03:48 PM |
| Artist_Blue | $25.00 | $25.00 | 4/27/2010 5:05:19 PM |
| r0b3m4n | $25.00 | $25.00 | 4/27/2010 5:21:57 PM |
| truth-image | $50.00 | $50.00 | 4/27/2010 5:23:55 PM |
| Barak | $40.00 | $40.00 | 4/27/2010 5:24:26 PM |
| RickD1003 | $50.00 | $50.00 | 4/27/2010 5:06:39 PM |
| careful-note | $50.00 | $50.00 | 4/27/2010 5:24:31 PM |
| nickel-ferret | $25.00 | $25.00 | 4/27/2010 5:24:09 PM |
| JGB | $25.00 | $25.00 | 4/27/2010 5:25:20 PM |
| meenan | $25.00 | $25.00 | 4/27/2010 5:24:20 PM |
| djs81 | $50.00 | $50.00 | 4/27/2010 5:25:43 PM |
| MoneySiles | $25.00 | $25.00 | 4/27/2010 5:25:56 PM |
| finance-negotiator2 | $25.00 | $25.00 | 4/27/2010 5:08:17 PM |
| income-excellence1 | $25.00 | $25.00 | 4/27/2010 5:08:37 PM |
| GeorgiaGator | $50.00 | $50.00 | 4/27/2010 5:26:21 PM |
| rosie777 | $30.00 | $30.00 | 4/27/2010 6:33:04 PM |
| cub510 | $100.00 | $100.00 | 4/27/2010 5:17:53 PM |
| Ivan2007 | $25.00 | $25.00 | 4/27/2010 5:24:00 PM |
| TakeCare | $100.00 | $100.00 | 4/27/2010 5:24:49 PM |
| important-ore | $25.58 | $25.58 | 4/27/2010 8:20:19 PM |
| hookUup | $25.00 | $25.00 | 4/27/2010 5:26:08 PM |
| mster9ball | $25.00 | $25.00 | 4/28/2010 5:00:20 AM |
| bchen78875 | $25.00 | $25.00 | 4/28/2010 7:27:58 AM |
| life-is-great | $25.00 | $25.00 | 4/28/2010 8:33:17 AM |
| ingenious-order783 | $25.00 | $25.00 | 4/28/2010 10:07:43 AM |
| bradny | $25.00 | $25.00 | 4/28/2010 9:36:32 AM |
| shorthairedg | $50.00 | $50.00 | 4/28/2010 6:39:35 AM |
| BillW | $25.00 | $25.00 | 4/28/2010 11:35:30 AM |
| pbeach05 | $25.00 | $25.00 | 4/28/2010 11:43:07 AM |
| Gunjin | $25.00 | $25.00 | 4/28/2010 12:24:33 PM |
| Walkingcowboy | $25.00 | $25.00 | 4/28/2010 11:44:30 AM |
| steady-funds6 | $25.00 | $25.00 | 4/28/2010 12:31:39 PM |
| ramsbladder | $25.00 | $25.00 | 4/28/2010 12:15:43 PM |
| LAM26 | $25.00 | $25.00 | 4/28/2010 12:23:47 PM |
| brightest-income-hunter | $25.00 | $25.00 | 4/28/2010 12:48:07 PM |
| lloyd_s | $25.00 | $25.00 | 4/28/2010 12:24:05 PM |
| credit-coach118 | $40.00 | $40.00 | 4/28/2010 12:49:32 PM |
| Dweeberkitty1 | $25.00 | $25.00 | 4/28/2010 12:49:40 PM |
| moola-man | $32.57 | $32.57 | 4/28/2010 12:57:38 PM |
| platinum-rapture6 | $25.00 | $25.00 | 4/28/2010 9:34:06 AM |
| wampum-optimization | $27.55 | $27.55 | 4/28/2010 12:54:46 PM |
| satisfying-durability | $25.00 | $25.00 | 4/28/2010 1:46:02 PM |
| lancetc | $25.00 | $25.00 | 4/28/2010 2:24:12 PM |
| relierma | $25.00 | $25.00 | 4/28/2010 1:52:46 PM |
| BayShell | $39.89 | $39.89 | 4/28/2010 10:49:14 AM |
| KiwiElf | $29.31 | $29.31 | 4/28/2010 2:18:07 PM |
| meers2000 | $30.00 | $30.00 | 4/28/2010 11:43:12 AM |
| Veridic | $25.00 | $25.00 | 4/28/2010 3:57:37 PM |
| fightinjoe | $25.00 | $25.00 | 4/28/2010 3:57:43 PM |
| bds9646 | $26.00 | $26.00 | 4/28/2010 11:51:18 AM |
| wampum-chorus3 | $25.00 | $25.00 | 4/28/2010 12:24:01 PM |
| oceanwind1950 | $25.00 | $25.00 | 4/28/2010 4:32:41 PM |
| cello1 | $25.00 | $25.00 | 4/28/2010 12:53:39 PM |
| bowdish1 | $55.68 | $55.68 | 4/28/2010 1:05:32 PM |
| financial-frenzy | $25.00 | $25.00 | 4/28/2010 4:52:30 PM |
| HT3 | $100.00 | $100.00 | 4/28/2010 2:00:04 PM |
| roccofox | $44.27 | $44.27 | 4/28/2010 2:35:11 PM |
| calessabay | $25.00 | $25.00 | 4/28/2010 2:43:00 PM |
| Sokarnox | $25.00 | $25.00 | 4/28/2010 2:59:21 PM |
| DeltaComputerGuy | $25.00 | $25.00 | 4/28/2010 3:00:41 PM |
| rescue | $28.21 | $28.21 | 4/28/2010 3:14:44 PM |
| determined-contract | $30.00 | $30.00 | 4/28/2010 3:57:40 PM |
| ATOHokie | $25.00 | $25.00 | 4/28/2010 4:15:19 PM |
| economy-chemistry | $25.00 | $25.00 | 4/28/2010 5:06:52 PM |
| GElender | $35.37 | $35.37 | 4/28/2010 5:48:12 PM |
| ClearLake | $25.00 | $25.00 | 4/28/2010 10:34:17 PM |
| buckyhead2000 | $25.00 | $25.00 | 4/28/2010 5:50:07 PM |
| grampy48 | $25.00 | $25.00 | 4/28/2010 6:12:47 PM |
| DadWarbucks | $25.00 | $25.00 | 4/28/2010 6:19:14 PM |
| RandyL3 | $99.00 | $99.00 | 4/29/2010 3:38:50 PM |
| Dollars4Rent | $25.00 | $25.00 | 5/2/2010 10:41:08 PM |
| loanman2007 | $50.00 | $50.00 | 5/3/2010 4:57:15 AM |
| djmjkelso | $25.00 | $25.00 | 5/3/2010 8:31:12 AM |
| octoberfresh | $25.00 | $25.00 | 5/3/2010 10:32:33 AM |
| UCSBGAUCHOS | $25.00 | $25.00 | 5/3/2010 11:35:58 AM |
| 184 bids
|
Borrower Payment Dependent Notes Series
455956
This series of Notes was issued and sold upon the funding of the borrower loan #42334, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 14.42% |
Starting borrower rate/APR:
| 15.42% / 17.60% |
Starting monthly payment:
| $209.23 |
|
Final lender yield:
| 12.85% |
Final borrower rate/APR:
| 13.85% / 16.01% |
Final monthly payment:
| $204.63 |
| |
|
Auction yield range:
| 6.04% - 14.42% |
Estimated loss impact:
| 5.21% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 7m |
|
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 10 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,890 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| consummate-moola |
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
Debt Consolidation before wedding
Purpose of loan:
This loan will be used to pay off my credit cards and some other debt in preparation of getting married to the most beautiful women in the world.
My financial situation:
I am a good candidate for this loan because I worked hard to get where I am at today.? It's been a long stuggle towards responsibility for me, and I am finally there.? Mainly due to my fiance, who was there to support me through it all.? I would like to be able to make one payment towards prosper instead of multple payments to various credit cards.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Why did you not publish publicly my question to you? - jpblan11
A:
I apologize. This is my first time on prosper, and I didn't realize I uncheck it. Here is the information again.
Net Income: $2,223.20
Monthly Bills:
Utilites: $100
Student Loan: $176
Mortgage:$820 (Escrow Payment will Be adjust down by $40 in July)
Cable/Internet: $115
Gas: $120
Insurance: $27
Food / Entertainment: $300
Monthly Disposable Income: $565.20
(May-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Comoparklender | $30.00 | $30.00 | 4/27/2010 5:04:01 PM |
| castleman | $25.00 | $25.00 | 4/27/2010 5:06:23 PM |
| fcukciti | $50.00 | $50.00 | 4/27/2010 5:07:58 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 4/27/2010 5:13:43 PM |
| dschaaf | $25.00 | $25.00 | 4/27/2010 5:06:09 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 4/27/2010 5:07:30 PM |
| mmckune | $25.00 | $25.00 | 4/27/2010 5:27:42 PM |
| GiantAardvark | $25.00 | $25.00 | 4/27/2010 5:28:09 PM |
| interest-jedi0 | $50.00 | $50.00 | 4/27/2010 5:27:51 PM |
| liberty-bearer0 | $25.00 | $25.00 | 4/27/2010 6:47:46 PM |
| r0b3m4n | $25.00 | $25.00 | 4/27/2010 6:38:38 PM |
| important-ore | $48.84 | $48.84 | 4/27/2010 8:12:49 PM |
| income-excellence1 | $25.00 | $25.00 | 4/27/2010 9:22:59 PM |
| torion | $25.00 | $25.00 | 4/27/2010 5:27:20 PM |
| Avala | $50.00 | $50.00 | 4/27/2010 5:27:25 PM |
| dinero-speaker | $25.00 | $25.00 | 4/27/2010 5:27:36 PM |
| tramdath | $25.00 | $25.00 | 4/28/2010 6:52:49 AM |
| life-is-great | $25.00 | $25.00 | 4/28/2010 8:32:40 AM |
| line6owner | $32.03 | $32.03 | 4/28/2010 9:19:32 AM |
| galaxy318 | $25.00 | $25.00 | 4/28/2010 9:34:21 AM |
| platinum-rapture6 | $25.00 | $25.00 | 4/28/2010 9:34:45 AM |
| funds-rascal | $25.00 | $25.00 | 4/28/2010 9:09:20 AM |
| logical-reward8 | $25.00 | $25.00 | 4/28/2010 9:54:28 AM |
| 1phantom | $50.00 | $50.00 | 4/28/2010 9:19:46 AM |
| SanJoser | $25.00 | $25.00 | 4/28/2010 10:04:44 AM |
| cocobear | $25.00 | $25.00 | 4/28/2010 10:05:11 AM |
| JanLal | $25.00 | $25.00 | 4/28/2010 10:07:58 AM |
| charming-dime | $25.00 | $25.00 | 4/28/2010 9:36:43 AM |
| financialaid | $25.00 | $25.00 | 4/28/2010 10:36:08 AM |
| cpblue79 | $100.00 | $100.00 | 4/28/2010 10:53:23 AM |
| shabufa | $25.00 | $25.00 | 4/28/2010 10:28:34 AM |
| tallmon | $25.00 | $25.00 | 4/28/2010 10:53:33 AM |
| physicsman | $50.00 | $50.00 | 4/28/2010 10:54:24 AM |
| movistar | $25.00 | $25.00 | 4/28/2010 10:46:38 AM |
| stable-nickel | $25.00 | $25.00 | 4/28/2010 7:44:21 AM |
| ciccio70 | $25.00 | $25.00 | 4/28/2010 10:52:51 AM |
| lendme2 | $31.11 | $31.11 | 4/28/2010 10:53:11 AM |
| marabu | $25.00 | $25.00 | 4/28/2010 11:35:06 AM |
| burgeoning-silver | $25.00 | $25.00 | 4/28/2010 10:53:38 AM |
| runner262 | $25.00 | $25.00 | 4/28/2010 10:59:29 AM |
| Opportunity4you | $25.00 | $25.00 | 4/28/2010 12:07:46 PM |
| investor7257 | $25.00 | $25.00 | 4/28/2010 11:35:57 AM |
| Kulchar | $45.85 | $45.85 | 4/28/2010 11:49:26 AM |
| nickel-ferret | $25.00 | $25.00 | 4/28/2010 8:54:30 AM |
| pujols8996 | $30.00 | $30.00 | 4/28/2010 12:40:42 PM |
| sloak | $25.00 | $25.00 | 4/28/2010 12:41:45 PM |
| czar3 | $25.47 | $25.47 | 4/28/2010 12:48:16 PM |
| AF-Chief | $28.00 | $28.00 | 4/28/2010 12:49:49 PM |
| orange-preeminant-bill | $65.13 | $65.13 | 4/28/2010 12:53:52 PM |
| soccermom33 | $25.00 | $25.00 | 4/28/2010 9:33:14 AM |
| powerful-finance7 | $25.00 | $25.00 | 4/28/2010 12:30:40 PM |
| NDFIRTH | $50.00 | $50.00 | 4/28/2010 1:04:39 PM |
| marketplace-buckeye | $25.00 | $25.00 | 4/28/2010 1:05:35 PM |
| durability-exchanger | $25.00 | $20.16 | 4/28/2010 1:05:44 PM |
| Beverly_Hills_Lender | $25.00 | $25.00 | 4/28/2010 9:36:35 AM |
| aggielender | $25.00 | $25.00 | 4/28/2010 9:54:17 AM |
| gelidfrank | $25.00 | $25.00 | 4/28/2010 1:04:18 PM |
| loanforyou08 | $25.00 | $25.00 | 4/28/2010 1:04:33 PM |
| orderly-leverage | $40.00 | $40.00 | 4/28/2010 1:04:36 PM |
| a-consummate-camaraderi | $50.00 | $50.00 | 4/28/2010 1:04:46 PM |
| Ducatiman1978 | $25.00 | $25.00 | 4/28/2010 1:05:39 PM |
| 13nd3r | $25.00 | $25.00 | 4/28/2010 10:44:45 AM |
| Archchancellor | $25.00 | $25.00 | 4/28/2010 10:52:55 AM |
| gametime34 | $33.98 | $33.98 | 4/28/2010 11:10:35 AM |
| Eric15378 | $26.62 | $26.62 | 4/28/2010 11:43:19 AM |
| Rostov | $25.00 | $25.00 | 4/28/2010 12:00:08 PM |
| boater01 | $46.21 | $46.21 | 4/28/2010 12:02:03 PM |
| lending_well | $25.00 | $25.00 | 4/28/2010 12:29:28 PM |
| icecoldcash | $80.00 | $80.00 | 4/28/2010 12:29:32 PM |
| gettingonyourfeet | $25.00 | $25.00 | 4/28/2010 12:39:47 PM |
| elegant-bonus | $25.00 | $25.00 | 4/28/2010 12:48:50 PM |
| HamletTower | $25.00 | $25.00 | 4/28/2010 1:04:32 PM |
| buckyhead2000 | $25.00 | $25.00 | 4/29/2010 9:59:33 AM |
| Sven79 | $50.00 | $50.00 | 4/29/2010 10:58:48 AM |
| blackstar | $25.00 | $25.00 | 4/29/2010 11:53:08 AM |
| dgagli1 | $50.00 | $50.00 | 4/30/2010 6:19:56 AM |
| pdude | $50.00 | $50.00 | 4/30/2010 6:59:31 AM |
| sensational-kindness | $150.00 | $150.00 | 4/30/2010 11:21:06 AM |
| eloop | $25.00 | $25.00 | 4/30/2010 4:51:51 PM |
| mattblizz | $25.00 | $25.00 | 5/3/2010 12:08:49 AM |
| patriot384 | $200.00 | $200.00 | 5/3/2010 5:44:58 PM |
| marala4285 | $25.00 | $25.00 | 5/3/2010 7:01:24 PM |
| enchanted-reward1 | $25.00 | $25.00 | 5/4/2010 9:20:33 AM |
| julijask | $35.00 | $35.00 | 5/4/2010 10:20:20 AM |
| natural-affluence4 | $30.00 | $30.00 | 5/4/2010 10:35:58 AM |
| jimmya | $27.00 | $27.00 | 5/4/2010 11:17:01 AM |
| justice-trooper | $25.00 | $25.00 | 5/4/2010 2:35:36 PM |
| yons88 | $25.00 | $25.00 | 5/4/2010 2:26:07 PM |
| BigBizBuilder | $106.27 | $106.27 | 5/4/2010 1:57:09 PM |
| patriot384 | $150.00 | $150.00 | 5/4/2010 3:04:10 PM |
| Marathoner | $25.00 | $25.00 | 4/27/2010 5:04:59 PM |
| finance-prescription | $100.00 | $100.00 | 4/27/2010 5:06:04 PM |
| radforj22 | $25.00 | $25.00 | 4/27/2010 5:05:53 PM |
| DcUnited | $25.00 | $25.00 | 4/27/2010 5:06:53 PM |
| Artist_Blue | $25.00 | $25.00 | 4/27/2010 5:07:10 PM |
| hrubinst | $25.00 | $25.00 | 4/27/2010 5:27:13 PM |
| delicious-social132 | $25.00 | $25.00 | 4/27/2010 5:27:32 PM |
| integrity-doctor | $100.00 | $100.00 | 4/27/2010 5:27:57 PM |
| balanced-bill7 | $100.00 | $100.00 | 4/27/2010 5:28:06 PM |
| thorough-exchange4 | $25.00 | $25.00 | 4/27/2010 5:28:14 PM |
| unassassinable | $25.00 | $25.00 | 4/27/2010 5:27:46 PM |
| JGB | $25.00 | $25.00 | 4/27/2010 5:27:49 PM |
| vanderhp | $25.00 | $25.00 | 4/27/2010 10:22:39 PM |
| rider350 | $25.00 | $25.00 | 4/27/2010 5:28:11 PM |
| enriching-capital | $25.00 | $25.00 | 4/27/2010 10:39:57 PM |
| marilyn7 | $25.00 | $25.00 | 4/27/2010 11:47:38 PM |
| ss2020 | $25.00 | $25.00 | 4/28/2010 12:14:29 AM |
| Angleofcare | $25.00 | $25.00 | 4/27/2010 10:57:37 PM |
| RickD1003 | $27.41 | $27.41 | 4/27/2010 7:47:45 PM |
| neutrino6 | $25.00 | $25.00 | 4/28/2010 9:34:41 AM |
| nanda | $25.00 | $25.00 | 4/28/2010 9:54:19 AM |
| sarisai | $25.00 | $25.00 | 4/27/2010 10:22:39 PM |
| basis-mammal | $30.49 | $30.49 | 4/28/2010 9:33:28 AM |
| Financer | $37.94 | $37.94 | 4/28/2010 10:30:10 AM |
| shamil45 | $25.00 | $25.00 | 4/28/2010 10:34:50 AM |
| onlyastepaway | $25.00 | $25.00 | 4/28/2010 10:36:06 AM |
| influential-compassion9 | $50.00 | $50.00 | 4/28/2010 9:56:11 AM |
| Dap2005 | $25.00 | $25.00 | 4/28/2010 10:36:10 AM |
| bowerz | $25.00 | $25.00 | 4/28/2010 10:03:15 AM |
| loucr2003 | $25.00 | $25.00 | 4/28/2010 10:29:08 AM |
| sensational-kindness | $50.00 | $50.00 | 4/28/2010 10:29:15 AM |
| Cheburashka | $25.00 | $25.00 | 4/28/2010 11:00:26 AM |
| ClearLake | $25.00 | $25.00 | 4/28/2010 11:10:27 AM |
| ghinga | $25.19 | $25.19 | 4/28/2010 10:46:07 AM |
| Northsider | $25.00 | $25.00 | 4/28/2010 11:34:58 AM |
| ideal-platinum1 | $25.07 | $25.07 | 4/28/2010 10:53:39 AM |
| gotjack | $25.00 | $25.00 | 4/28/2010 11:43:36 AM |
| helpinghand63 | $29.38 | $29.38 | 4/28/2010 11:49:12 AM |
| thunderd | $25.00 | $25.00 | 4/28/2010 12:00:26 PM |
| bchen78875 | $25.00 | $25.00 | 4/28/2010 11:27:01 AM |
| bowdish1 | $50.00 | $50.00 | 4/28/2010 12:08:20 PM |
| red-undaunted-kindness | $57.99 | $57.99 | 4/28/2010 12:29:35 PM |
| transparency-advocator | $25.00 | $25.00 | 4/28/2010 12:30:47 PM |
| jeb_31 | $25.00 | $25.00 | 4/28/2010 1:04:04 PM |
| ichibon | $75.00 | $75.00 | 4/28/2010 1:04:37 PM |
| nickel-advocator | $25.00 | $25.00 | 4/28/2010 1:04:49 PM |
| CAGE-Investments | $42.46 | $42.46 | 4/28/2010 12:49:16 PM |
| reflective-cash0 | $42.14 | $42.14 | 4/28/2010 12:53:37 PM |
| worth-arch | $25.00 | $25.00 | 4/28/2010 12:53:50 PM |
| credit-kahuna | $50.78 | $50.78 | 4/28/2010 12:54:23 PM |
| shrewd-peace7 | $25.00 | $25.00 | 4/28/2010 1:04:31 PM |
| telegon | $25.00 | $25.00 | 4/28/2010 1:04:35 PM |
| revenue-serenity | $25.00 | $25.00 | 4/28/2010 10:12:41 AM |
| Kessler | $26.00 | $26.00 | 4/28/2010 1:13:07 PM |
| talang | $25.00 | $25.00 | 4/28/2010 11:42:51 AM |
| wwwUniversal | $25.00 | $25.00 | 4/28/2010 3:01:40 PM |
| ski3632 | $25.00 | $25.00 | 4/28/2010 12:27:49 PM |
| PGA2 | $50.00 | $50.00 | 4/28/2010 12:29:30 PM |
| sgt-schultz | $50.00 | $50.00 | 4/28/2010 12:30:48 PM |
| sweet-social2 | $30.00 | $30.00 | 4/28/2010 12:47:54 PM |
| tremendous-payment | $25.00 | $25.00 | 4/28/2010 12:50:07 PM |
| return-eclipse0 | $25.00 | $25.00 | 4/28/2010 1:04:27 PM |
| loan-kung-fu | $25.00 | $25.00 | 4/28/2010 1:04:42 PM |
| credit-panda1 | $50.00 | $50.00 | 4/29/2010 8:50:38 AM |
| FinanceEngine | $25.00 | $25.00 | 4/29/2010 9:55:29 AM |
| stockpiler079 | $25.00 | $25.00 | 4/29/2010 9:59:01 AM |
| steady-dime | $25.00 | $25.00 | 4/30/2010 7:01:00 AM |
| NorthlandAlchemist | $100.00 | $100.00 | 4/30/2010 4:35:10 AM |
| freefly67 | $28.68 | $28.68 | 4/30/2010 11:46:16 AM |
| the-profit-oracle | $25.00 | $25.00 | 4/30/2010 4:51:00 PM |
| FloridaBookie | $25.00 | $25.00 | 5/3/2010 5:13:41 AM |
| GeorgiaGator | $50.00 | $50.00 | 5/3/2010 4:24:01 AM |
| jpblan11 | $25.00 | $25.00 | 5/3/2010 9:33:52 AM |
| UBOtto186 | $39.80 | $39.80 | 5/4/2010 10:06:39 AM |
| market-pudding | $25.00 | $25.00 | 5/4/2010 10:15:19 AM |
| natural-credit328 | $25.00 | $25.00 | 5/4/2010 10:29:05 AM |
| orange-dollar-guild | $50.00 | $50.00 | 5/4/2010 1:08:52 PM |
| dorfinia | $50.00 | $50.00 | 5/4/2010 1:14:11 PM |
| enthusiastic-point | $25.00 | $25.00 | 5/4/2010 3:39:41 PM |
| 169 bids
|
Borrower Payment Dependent Notes Series
456074
This series of Notes was issued and sold upon the funding of the borrower loan #42332, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Apr-27-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 11.65% |
Starting borrower rate/APR:
| 12.65% / 13.00% |
Starting monthly payment:
| $50.29 |
|
Final lender yield:
| 11.19% |
Final borrower rate/APR:
| 12.19% / 12.54% |
Final monthly payment:
| $49.96 |
| |
|
Auction yield range:
| 3.04% - 11.65% |
Estimated loss impact:
| 0.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1984 |
Debt/Income ratio:
| 48% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
15 |
Occupation: | Retail Management |
|
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 34 | Stated income: | $50,000-$74,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $244,852 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| revenue-beaker |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit card payoff
Purpose of loan:
This loan will be used to?help pay down my high interest credit card debt.?
My financial situation:
I am a good candidate for this loan because? I have a good job and have been employed at the same company for over 20 years
Monthly net income: $ 4600? does not include my wife's salary
Monthly expenses: $
??Housing: $ 1800 mortgage
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Why is your revolving credit card balance so high? - thoughtful-justice8
A:
Hello
I unfortunately rain into some medical bills issues. I am currently working to reduce those balances.
(Apr-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| suburbanman64 | $35.00 | $35.00 | 4/27/2010 5:15:32 PM |
| stockpiler079 | $25.00 | $25.00 | 4/27/2010 6:08:14 PM |
| sshgfwb | $25.00 | $25.00 | 4/29/2010 11:40:03 AM |
| Mav26 | $25.30 | $25.30 | 4/29/2010 1:53:49 PM |
| building_community | $25.00 | $25.00 | 4/29/2010 3:53:03 PM |
| 13loans | $25.00 | $25.00 | 4/29/2010 8:21:44 PM |
| inforapenny | $25.00 | $25.00 | 5/3/2010 7:55:44 PM |
| octoberfresh | $25.00 | $25.00 | 5/4/2010 10:20:40 AM |
| sshgfwb | $219.19 | $219.19 | 5/4/2010 11:41:48 AM |
| Bothus | $50.00 | $50.00 | 5/4/2010 11:53:38 AM |
| Bothus | $50.00 | $50.00 | 5/4/2010 11:54:49 AM |
| PPLIN810 | $25.00 | $25.00 | 5/4/2010 2:15:41 PM |
| Gold_Coin | $25.00 | $25.00 | 5/4/2010 3:18:46 PM |
| intelligent-yield | $25.00 | $25.00 | 4/27/2010 5:17:18 PM |
| income-fortress | $25.00 | $25.00 | 4/27/2010 5:07:16 PM |
| Dad2SandJ | $50.00 | $50.00 | 4/27/2010 5:23:32 PM |
| marinade | $40.00 | $40.00 | 4/27/2010 8:03:05 PM |
| FinDoc | $25.00 | $25.00 | 4/28/2010 5:08:18 PM |
| otalon | $25.00 | $25.00 | 5/3/2010 8:27:27 AM |
| top-courteous-peso | $25.00 | $25.00 | 5/3/2010 9:46:12 AM |
| wam37 | $50.00 | $50.00 | 5/3/2010 9:57:28 AM |
| LSAR | $25.00 | $25.00 | 5/3/2010 2:26:07 PM |
| Approved | $25.00 | $25.00 | 5/3/2010 7:22:07 PM |
| friendly-worth3 | $25.00 | $25.00 | 5/4/2010 9:25:11 AM |
| PurplePonchoMan | $25.00 | $25.00 | 5/4/2010 10:41:24 AM |
| Manvel | $25.00 | $25.00 | 5/4/2010 10:53:21 AM |
| csak13 | $50.00 | $50.00 | 5/4/2010 10:55:03 AM |
| lanlie | $161.14 | $161.14 | 5/4/2010 2:10:23 PM |
| patriot384 | $100.00 | $100.00 | 5/4/2010 2:56:59 PM |
| magnificent-reward9 | $50.00 | $50.00 | 5/4/2010 4:31:13 PM |
| dblaz5 | $250.00 | $144.37 | 5/4/2010 4:36:35 PM |
| chibear34 | $25.00 | $25.00 | 5/4/2010 4:41:47 PM |
| 32 bids
|
Borrower Payment Dependent Notes Series
456148
This series of Notes was issued and sold upon the funding of the borrower loan #42323, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Apr-28-2010 |
| |
Auction end date:
| May-05-2010 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $178.92 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 23.25% |
Final monthly payment:
| $169.54 |
| |
|
Auction yield range:
| 11.04% - 24.00% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 3m |
|
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,488 | Stated 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:
| Jinxgolf |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 43 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $15,250.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Apr-2009)
720-739
(Dec-2007)
700-719
(Apr-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 43 | | |
Description
3rd Loan NO Late Payments
Purpose of loan: RELIST: I have lowered the amount of the loan in hopes this listing will fund. I have also increased the interest rate by 1%, this would still be lower than the rates on my cards.?
This loan will be used to payoff two credit cards. One previously had a zero balance but I had to?put?what I owed in taxes this year on that card. The other card was also previously paid off, however, during the economic dowturn my wife lost her job and we ran up the balance again trying to make ends meet.?
My financial situation:
This will be my third prosper loan.The other two were successfully paid off. No late payments EVER! This loan will effectively lower my monthly payment and put me on a three year plan to get all of this taken care of. I was debt free for about 6 months and loved the feeling. I want to get back to that. My wife has since gone back to work and is making around 45k, which is obviously not included in my income. I would rather pay interest to the people of Prosper than the credit card company. I feel that I am as close to a sure deal as you can get on this site. I hope you feel the same way. Thanks for considering my loan.
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of
$464.95 in winning bids.
"A fellow lender with ~$1k invested on Prosper, previous borrower of over $15k, contact info verified - this is a great bet!"
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 4/28/2010 5:09:13 PM |
| jhouman | $25.00 | $25.00 | 4/28/2010 5:25:02 PM |
| JGuide | $551.99 | $437.96 | 4/28/2010 7:05:59 PM |
| MoneyForNothing | $25.00 | $25.00 | 4/28/2010 8:43:23 PM |
| loanman2007 | $250.00 | $250.00 | 4/29/2010 10:48:59 AM |
| atomantic | $89.00 | $89.00 | 4/29/2010 12:55:45 PM |
| Johnab | $26.00 | $26.00 | 4/29/2010 8:47:15 PM |
| Aberdeen | $400.00 | $400.00 | 4/29/2010 10:03:28 PM |
| Aberdeen | $400.00 | $400.00 | 4/29/2010 10:03:27 PM |
| Johnab | $25.00 | $25.00 | 5/3/2010 5:46:33 AM |
| YurshotCapital | $45.00 | $45.00 | 5/3/2010 8:19:43 AM |
| Chesterite | $200.00 | $200.00 | 5/3/2010 10:21:43 AM |
| shrewd-income | $25.00 | $25.00 | 5/3/2010 2:38:26 PM |
| mhotchan | $100.00 | $100.00 | 5/3/2010 2:20:53 PM |
| FinanceEngine | $25.00 | $25.00 | 5/3/2010 2:29:24 PM |
| shrewd-income | $50.00 | $50.00 | 5/3/2010 6:03:58 PM |
| proton346 | $25.00 | $25.00 | 5/3/2010 7:18:54 PM |
| visionary-deal3 | $100.00 | $100.00 | 5/3/2010 8:57:43 PM |
| Jinja | $26.23 | $26.23 | 5/4/2010 2:08:47 AM |
| 113121 | $25.00 | $25.00 | 5/4/2010 8:38:19 AM |
| TashaRemay | $25.00 | $25.00 | 5/4/2010 9:29:48 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 5/4/2010 10:53:35 AM |
| paul1 | $25.00 | $25.00 | 5/4/2010 12:18:53 PM |
| Chesterite | $193.14 | $193.14 | 5/4/2010 11:27:52 AM |
| credit-coach118 | $45.00 | $45.00 | 5/4/2010 11:48:35 AM |
| sharp518 | $54.34 | $54.34 | 5/4/2010 3:15:23 PM |
| power-secret-agent | $35.60 | $35.60 | 5/4/2010 6:51:04 PM |
| allbalooboy2 | $100.00 | $100.00 | 5/4/2010 8:21:39 PM |
| Bob450 | $30.00 | $30.00 | 5/4/2010 8:37:06 PM |
| CASSHMAN | $75.00 | $75.00 | 5/4/2010 8:36:29 PM |
| Elevate2012 | $25.00 | $25.00 | 5/4/2010 9:17:27 PM |
| lendstats_com | $200.00 | $200.00 | 5/4/2010 9:21:34 PM |
| the-cash-allotment | $25.00 | $25.00 | 5/5/2010 7:59:02 AM |
| dgagli1 | $35.00 | $35.00 | 5/5/2010 6:43:50 AM |
| JGuide | $26.99 | $26.99 | 4/28/2010 11:58:08 PM |
| JustMee | $25.00 | $25.00 | 4/28/2010 5:49:12 PM |
| catalystcf | $25.00 | $25.00 | 4/29/2010 12:06:01 PM |
| respectful-integrity3 | $25.00 | $25.00 | 4/30/2010 6:16:03 AM |
| Aberdeen | $400.00 | $400.00 | 4/29/2010 10:03:18 PM |
| rockhound84 | $25.00 | $25.00 | 4/30/2010 6:05:26 AM |
| bondhedger | $25.00 | $25.00 | 4/30/2010 11:19:28 AM |
| loanman2007 | $100.00 | $100.00 | 5/3/2010 4:16:10 AM |
| twjh | $25.00 | $25.00 | 5/3/2010 4:19:09 AM |
| afterhours | $25.00 | $25.00 | 5/3/2010 3:10:36 PM |
| BlueProteus | $25.00 | $25.00 | 5/3/2010 6:15:11 PM |
| Kash2010lu | $25.00 | $25.00 | 5/3/2010 11:18:04 PM |
| RecoveryLender | $25.00 | $25.00 | 5/4/2010 5:52:51 AM |
| dgagli1 | $25.00 | $25.00 | 5/4/2010 8:57:20 AM |
| buphigam | $30.00 | $30.00 | 5/4/2010 9:27:29 AM |
| DackoDenk | $25.00 | $25.00 | 5/4/2010 10:44:04 AM |
| Hobson | $30.00 | $30.00 | 5/4/2010 10:20:38 AM |
| market-pudding | $50.00 | $50.00 | 5/4/2010 10:20:55 AM |
| vigilance-searcher | $50.00 | $50.00 | 5/4/2010 11:56:32 AM |
| riv701 | $25.00 | $25.00 | 5/4/2010 3:42:27 PM |
| Loanstou | $45.74 | $45.74 | 5/4/2010 7:48:06 PM |
| kronosmetis | $25.00 | $25.00 | 5/4/2010 8:27:02 PM |
| CommunityArts_Non-profit | $50.00 | $50.00 | 5/4/2010 10:31:09 PM |
| AlphaInternational | $25.00 | $25.00 | 5/4/2010 11:22:00 PM |
| principal-star | $25.00 | $25.00 | 5/4/2010 7:39:58 PM |
| Redleg6 | $25.00 | $25.00 | 5/5/2010 10:30:38 AM |
| pellet | $25.00 | $25.00 | 5/5/2010 7:44:56 AM |
| Ogerta | $25.00 | $25.00 | 5/5/2010 8:46:42 AM |
| LeoBUSIIT | $25.00 | $25.00 | 5/5/2010 9:41:06 AM |
| 63 bids
|
Borrower Payment Dependent Notes Series
456198
This series of Notes was issued and sold upon the funding of the borrower loan #42357, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Apr-29-2010 |
| |
Auction end date:
| May-03-2010 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.99% |
Starting monthly payment:
| $61.54 |
|
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.84% |
Final monthly payment:
| $60.64 |
| |
|
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:
| Oct-2008 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
2 | Length of status: | 1y 2m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 3 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $86 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| immaculate-p2p |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Financing for business investment
Purpose of loan:
This loan will be used to finance workshops needed to take for model training.
My financial situation:
I am a good candidate for this loan because I have a great credit history, and I work 2 jobs. I will also make a HUGE return on my investment.
Monthly net income: $
1,500
Monthly expenses: $
??Housing: Living with family
??Insurance: None
??Car expenses: None
??Utilities: None
??Phone, cable, internet: $
115
??Food, entertainment: $
50
??Clothing, household expenses
??Credit cards and other loans: Paid back in full.
??Other expenses: None
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you be more specific about how you plan on using the proceeds from this loan? - smarva
A:
I recently signed a contract with Wilhelmina modeling agency. I need the money for a start up kit. This includes fees and workshops to get started.
(Apr-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| nrowland | $25.00 | $25.00 | 4/29/2010 4:08:52 PM |
| julsal | $25.00 | $25.00 | 4/29/2010 4:10:18 PM |
| papaloha | $50.00 | $50.00 | 4/29/2010 4:08:39 PM |
| 1phantom | $25.00 | $25.00 | 4/29/2010 4:08:45 PM |
| Phantom99 | $25.00 | $25.00 | 4/29/2010 4:09:24 PM |
| punctual-worth | $25.00 | $25.00 | 4/29/2010 4:26:36 PM |
| natecam | $25.00 | $25.00 | 4/29/2010 4:29:51 PM |
| gizzywump | $25.00 | $25.00 | 4/29/2010 4:26:31 PM |
| return-eclipse0 | $25.00 | $25.00 | 4/29/2010 4:32:35 PM |
| orderly-leverage | $30.00 | $30.00 | 4/29/2010 4:32:56 PM |
| ssh1983 | $25.00 | $5.28 | 4/29/2010 4:33:03 PM |
| LucyMcClane | $25.00 | $25.00 | 4/29/2010 4:09:05 PM |
| GInBaghdad | $25.00 | $25.00 | 4/29/2010 4:10:48 PM |
| valiant-liberty4 | $25.00 | $25.00 | 4/29/2010 4:22:45 PM |
| rlgnyc | $33.31 | $33.31 | 4/29/2010 4:25:58 PM |
| Sateesh | $62.60 | $62.60 | 4/29/2010 4:29:33 PM |
| jlr613 | $25.00 | $25.00 | 4/29/2010 4:29:53 PM |
| gelidfrank | $25.00 | $25.00 | 4/29/2010 4:32:10 PM |
| SolarMoonshine | $25.00 | $25.00 | 4/29/2010 5:33:53 PM |
| reward-adventure | $30.00 | $30.00 | 4/29/2010 4:32:41 PM |
| bowdish1 | $50.00 | $50.00 | 4/29/2010 4:09:31 PM |
| gallant-camaraderi | $33.00 | $33.00 | 4/29/2010 4:10:00 PM |
| Raetha | $25.00 | $25.00 | 4/29/2010 4:20:47 PM |
| shrewd-peace7 | $35.00 | $35.00 | 4/29/2010 4:09:21 PM |
| lostontheedge | $25.00 | $25.00 | 4/29/2010 4:09:25 PM |
| inkplj | $50.00 | $50.00 | 4/29/2010 4:22:24 PM |
| investment-forte | $25.00 | $25.00 | 4/29/2010 4:09:33 PM |
| zburner | $25.00 | $25.00 | 4/29/2010 4:23:37 PM |
| basis-prodigy | $25.00 | $25.00 | 4/29/2010 4:24:00 PM |
| ITExec | $39.24 | $39.24 | 4/29/2010 4:25:37 PM |
| dbmurch | $25.00 | $25.00 | 4/29/2010 4:26:32 PM |
| head | $25.00 | $25.00 | 4/29/2010 4:26:38 PM |
| yarg | $25.00 | $25.00 | 4/29/2010 4:22:09 PM |
| rdecartus | $25.00 | $25.00 | 4/29/2010 4:26:34 PM |
| social-conductor4 | $25.00 | $25.00 | 4/29/2010 4:31:10 PM |
| Comoparklender | $25.00 | $25.00 | 4/29/2010 4:31:30 PM |
| brother_tam | $50.00 | $50.00 | 4/29/2010 4:31:55 PM |
| xyzlmno | $25.00 | $25.00 | 4/29/2010 4:32:43 PM |
| PRGuyinVA | $25.00 | $25.00 | 4/29/2010 4:32:50 PM |
| IIP77 | $25.00 | $25.00 | 4/29/2010 4:08:55 PM |
| shaanr | $25.00 | $25.00 | 4/29/2010 4:09:16 PM |
| dime-producer | $25.00 | $25.00 | 4/29/2010 4:12:32 PM |
| ReallyGoodGuy | $25.00 | $25.00 | 4/29/2010 4:20:09 PM |
| nuts | $26.57 | $26.57 | 4/29/2010 4:20:46 PM |
| MONEYMATCH | $25.00 | $25.00 | 4/29/2010 4:26:01 PM |
| Cypher041 | $25.00 | $25.00 | 4/29/2010 4:26:29 PM |
| Kaj | $25.00 | $25.00 | 4/29/2010 4:31:19 PM |
| copper | $30.00 | $30.00 | 4/29/2010 4:32:28 PM |
| marwadi-62 | $100.00 | $100.00 | 4/30/2010 11:48:36 AM |
| transaction-circuit | $25.00 | $25.00 | 5/3/2010 7:28:41 AM |
| 50 bids
|
Borrower Payment Dependent Notes Series
456364
This series of Notes was issued and sold upon the funding of the borrower loan #42349, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Apr-30-2010 |
| |
Auction end date:
| May-04-2010 |
|
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $157.79 |
|
Final lender yield:
| 7.30% |
Final borrower rate/APR:
| 8.30% / 8.64% |
Final monthly payment:
| $157.37 |
| |
|
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:
| Nov-1994 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 2y 9m |
|
Credit score:
| 820-839 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,444 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| liberty-course |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Remodeling Bathroom & Paying off
Purpose of loan:
The purpose of this loan is two parts:
?1. $3,500 will be used to remodel my bathroom - I have an old bathroom from the 70's.? As the weather gets warmer in CT, this will be a great opportunity to modernize the bathroom in my condo.? Bathroom remodeling usually pays off later when it is time for reselling.
2. $1,500 will be used to pay off some old credit card debt from college.? I've paid down the majority of it and realize that there is not much left, however, I am not happy with the current interest rate that the bank is charging.? Thus, I am consolidating this debt with the home improvement project.
My financial situation:
I am a good candidate for this loan because I have an excellent credit score.? I am very responsible and conscientious of my financial obligations.? All my bills are paid on time.? I currently have a steady job that I enjoy very much.?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| meux99 | $25.00 | $25.00 | 4/30/2010 3:35:57 PM |
| kenji4861 | $25.00 | $25.00 | 4/30/2010 3:35:51 PM |
| turbospeed | $25.00 | $25.00 | 4/30/2010 3:40:09 PM |
| microloan-green | $25.00 | $25.00 | 4/30/2010 3:40:01 PM |
| careful-note | $39.17 | $39.17 | 4/30/2010 3:46:59 PM |
| antlr | $25.00 | $25.00 | 4/30/2010 3:47:23 PM |
| DukSerduk | $25.00 | $25.00 | 4/30/2010 3:47:27 PM |
| JGB | $25.00 | $25.00 | 4/30/2010 3:47:36 PM |
| hookUup | $25.00 | $25.00 | 4/30/2010 3:47:59 PM |
| Artist_Blue | $25.00 | $25.00 | 4/30/2010 3:45:05 PM |
| fcukciti | $50.00 | $50.00 | 4/30/2010 3:46:35 PM |
| evnagelist | $25.00 | $25.00 | 4/30/2010 3:46:41 PM |
| life-is-great | $25.00 | $25.00 | 4/30/2010 3:50:03 PM |
| mlopez2007 | $50.00 | $50.00 | 4/30/2010 3:49:19 PM |
| 1fortheroad | $25.00 | $25.00 | 4/30/2010 3:52:42 PM |
| silver-philosopher | $25.00 | $25.00 | 4/30/2010 3:53:40 PM |
| leanthony | $25.00 | $25.00 | 4/30/2010 3:53:50 PM |
| alpinaut | $25.00 | $25.00 | 4/30/2010 4:13:09 PM |
| HHP | $25.00 | $25.00 | 4/30/2010 4:11:03 PM |
| ferocious-exchange3 | $25.00 | $25.00 | 4/30/2010 3:33:15 PM |
| dharma1 | $25.00 | $25.00 | 4/30/2010 3:36:16 PM |
| fantastic-openness | $50.00 | $50.00 | 4/30/2010 4:14:37 PM |
| balance6 | $25.00 | $25.00 | 4/30/2010 5:07:39 PM |
| teller | $60.00 | $60.00 | 4/30/2010 5:28:04 PM |
| meenan | $25.00 | $25.00 | 4/30/2010 3:46:52 PM |
| bright-balance | $25.00 | $25.00 | 4/30/2010 3:47:10 PM |
| GiantAardvark | $25.00 | $25.00 | 4/30/2010 3:47:45 PM |
| afotherg | $25.00 | $25.00 | 4/30/2010 3:47:55 PM |
| golden-responsibility189 | $50.00 | $50.00 | 4/30/2010 3:49:22 PM |
| bchen78875 | $45.03 | $45.03 | 4/30/2010 3:49:56 PM |
| turbospeed | $25.00 | $25.00 | 4/30/2010 3:52:07 PM |
| flexible-vigilance7 | $25.00 | $25.00 | 4/30/2010 3:53:33 PM |
| inspired-contract9 | $50.00 | $50.00 | 4/30/2010 4:26:13 PM |
| islandbuilder1 | $25.00 | $25.00 | 5/1/2010 11:20:20 AM |
| worlds-best-auction | $25.00 | $25.00 | 5/2/2010 9:11:09 PM |
| rider350 | $34.77 | $34.77 | 5/2/2010 9:26:18 PM |
| wealth-cloud | $25.00 | $25.00 | 5/2/2010 9:45:57 PM |
| agreement-pie | $25.00 | $25.00 | 5/3/2010 12:15:45 AM |
| peerlender | $25.00 | $25.00 | 5/2/2010 11:00:46 PM |
| seanvr33 | $25.00 | $25.00 | 5/2/2010 11:51:30 PM |
| resource777 | $25.00 | $25.00 | 5/3/2010 2:03:19 AM |
| alcyon | $25.00 | $25.00 | 5/3/2010 4:41:50 AM |
| paladin847 | $25.00 | $25.00 | 5/3/2010 6:26:37 AM |
| steady-funds6 | $25.00 | $25.00 | 5/3/2010 6:26:45 AM |
| dlshap | $25.00 | $25.00 | 5/3/2010 6:28:09 AM |
| teejay411 | $100.00 | $100.00 | 5/3/2010 5:50:51 AM |
| worthy-truth | $25.00 | $25.00 | 5/3/2010 6:10:46 AM |
| axl163 | $25.00 | $25.00 | 5/3/2010 6:26:43 AM |
| lend2end | $25.00 | $25.00 | 5/3/2010 6:46:50 AM |
| HunterSix | $25.00 | $25.00 | 5/3/2010 6:27:04 AM |
| Walkingcowboy | $25.00 | $25.00 | 5/3/2010 6:28:15 AM |
| ingenious-order783 | $25.00 | $25.00 | 5/3/2010 6:26:41 AM |
| suburbanman64 | $30.00 | $30.00 | 5/3/2010 6:28:07 AM |
| marinade | $25.00 | $25.00 | 5/3/2010 6:46:40 AM |
| Aeroman32 | $25.00 | $25.00 | 5/3/2010 6:46:45 AM |
| open-marketplace | $25.00 | $25.00 | 5/3/2010 6:46:41 AM |
| exchange-grizzly | $29.06 | $29.06 | 5/3/2010 7:22:48 AM |
| donmacprosper | $25.00 | $25.00 | 5/3/2010 6:46:47 AM |
| impeccable-funds5 | $25.00 | $25.00 | 5/3/2010 6:46:52 AM |
| benevolent-benefit | $50.00 | $50.00 | 5/3/2010 6:55:59 AM |
| zippy-revenue8 | $25.00 | $25.00 | 5/3/2010 9:47:06 AM |
| Kerrysbay | $50.00 | $50.00 | 5/3/2010 1:01:18 PM |
| surfsider123 | $25.00 | $25.00 | 5/3/2010 3:44:54 PM |
| dontscrewmeover1 | $50.00 | $50.00 | 5/3/2010 7:14:29 PM |
| grampy48 | $25.00 | $25.00 | 5/4/2010 6:32:17 AM |
| tender-integrity3 | $50.00 | $50.00 | 4/30/2010 3:36:01 PM |
| KandKLegacyInvestments | $25.00 | $25.00 | 4/30/2010 3:33:37 PM |
| finance-negotiator2 | $25.00 | $25.00 | 4/30/2010 3:46:17 PM |
| Marathoner | $25.00 | $25.00 | 4/30/2010 3:46:25 PM |
| delicious-social132 | $40.00 | $40.00 | 4/30/2010 3:46:48 PM |
| TakeCare | $100.00 | $100.00 | 4/30/2010 3:47:14 PM |
| kulender | $25.00 | $25.00 | 4/30/2010 3:47:33 PM |
| interest-jedi0 | $50.00 | $50.00 | 4/30/2010 3:47:38 PM |
| thorough-exchange4 | $40.00 | $40.00 | 4/30/2010 3:48:02 PM |
| balanced-bill7 | $50.00 | $50.00 | 4/30/2010 3:45:52 PM |
| credit-scout7 | $30.00 | $30.00 | 4/30/2010 3:46:03 PM |
| harty | $60.00 | $60.00 | 4/30/2010 3:46:12 PM |
| truth-image | $50.00 | $50.00 | 4/30/2010 3:46:45 PM |
| bonus-adventure3 | $25.00 | $25.00 | 4/30/2010 3:47:17 PM |
| radforj22 | $40.00 | $40.00 | 4/30/2010 3:49:15 PM |
| TheMan | $25.00 | $25.00 | 4/30/2010 3:51:12 PM |
| Ivan2007 | $25.00 | $25.00 | 4/30/2010 3:51:53 PM |
| engaging-worth | $25.00 | $25.00 | 4/30/2010 3:50:09 PM |
| honorable-yield | $50.00 | $50.00 | 4/30/2010 3:51:07 PM |
| Phantom99 | $25.00 | $25.00 | 4/30/2010 3:53:18 PM |
| surfhoss644 | $25.00 | $25.00 | 4/30/2010 3:53:20 PM |
| bradny | $25.00 | $25.00 | 4/30/2010 4:14:57 PM |
| buckyhead2000 | $25.00 | $25.00 | 4/30/2010 4:14:26 PM |
| js60l | $25.00 | $25.00 | 4/30/2010 4:27:54 PM |
| GeorgiaGator | $50.00 | $50.00 | 4/30/2010 3:44:10 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 4/30/2010 3:45:56 PM |
| castleman | $25.00 | $25.00 | 4/30/2010 3:46:06 PM |
| tenacious-compassion9 | $30.00 | $30.00 | 4/30/2010 3:47:04 PM |
| Daneistes | $100.00 | $100.00 | 4/30/2010 3:47:19 PM |
| money-surge1 | $25.00 | $25.00 | 4/30/2010 3:47:42 PM |
| figs4u2 | $80.00 | $80.00 | 4/30/2010 3:47:52 PM |
| fortytwo | $100.00 | $100.00 | 4/30/2010 3:49:13 PM |
| Merganser | $25.00 | $25.00 | 4/30/2010 3:49:49 PM |
| platinum-rapture6 | $25.00 | $25.00 | 4/30/2010 3:50:05 PM |
| Veridic | $25.00 | $25.00 | 4/30/2010 3:50:16 PM |
| authoritative-capital | $25.00 | $25.00 | 4/30/2010 3:52:37 PM |
| FloridaBookie | $25.00 | $25.00 | 4/30/2010 3:52:44 PM |
| magnificent-reward9 | $25.00 | $25.00 | 4/30/2010 3:53:56 PM |
| LoanAngel | $25.00 | $25.00 | 4/30/2010 4:14:23 PM |
| thedoctor | $36.51 | $36.51 | 4/30/2010 4:14:28 PM |
| CaptainBlueberry | $25.00 | $25.00 | 4/30/2010 4:14:59 PM |
| bigdogsafety1 | $25.00 | $25.00 | 5/2/2010 9:37:14 PM |
| GenerousGentleMan | $25.00 | $25.00 | 5/2/2010 11:45:42 PM |
| brstern2 | $25.00 | $25.00 | 5/2/2010 11:50:48 PM |
| NATIVEBORN | $25.00 | $25.00 | 5/3/2010 3:26:25 AM |
| balance2 | $25.00 | $25.00 | 5/3/2010 4:42:18 AM |
| Armenish | $25.00 | $25.00 | 5/3/2010 4:42:43 AM |
| practice44 | $25.00 | $25.00 | 5/3/2010 6:26:34 AM |
| Holtavious | $25.00 | $25.00 | 5/3/2010 6:26:40 AM |
| Tootsolrac | $25.00 | $25.00 | 5/3/2010 6:16:01 AM |
| toblerone | $27.50 | $27.50 | 5/3/2010 6:27:32 AM |
| kchen486 | $25.00 | $25.00 | 5/3/2010 6:27:33 AM |
| Rdodson11 | $25.00 | $25.00 | 5/3/2010 6:36:46 AM |
| cub510 | $88.30 | $88.30 | 5/3/2010 6:26:32 AM |
| r0b3m4n | $25.00 | $25.00 | 5/3/2010 6:26:36 AM |
| bds9646 | $26.00 | $26.00 | 5/3/2010 6:26:44 AM |
| iolaire | $25.00 | $25.00 | 5/3/2010 6:26:48 AM |
| moola-rose8 | $25.00 | $25.00 | 5/3/2010 6:46:42 AM |
| rescue | $49.92 | $49.92 | 5/3/2010 6:27:02 AM |
| boilermaker63 | $25.00 | $13.61 | 5/3/2010 6:46:52 AM |
| ahansen | $25.00 | $25.00 | 5/3/2010 6:27:04 AM |
| BayShell | $50.00 | $50.00 | 5/3/2010 6:27:25 AM |
| Toby1montana | $100.00 | $100.00 | 5/3/2010 6:26:37 AM |
| WHEREISTHEMOON | $25.00 | $25.00 | 5/3/2010 6:28:23 AM |
| Tai | $25.00 | $25.00 | 5/3/2010 6:26:42 AM |
| jjb3 | $25.00 | $25.00 | 5/3/2010 6:27:15 AM |
| wwwUniversal | $25.00 | $25.00 | 5/3/2010 6:49:39 AM |
| pbeach05 | $25.00 | $25.00 | 5/3/2010 6:46:35 AM |
| GrommetPosse | $25.00 | $25.00 | 5/3/2010 6:28:10 AM |
| cavalier2020 | $25.00 | $25.00 | 5/3/2010 6:46:43 AM |
| wise-bonus-honker | $25.00 | $25.00 | 5/3/2010 6:46:46 AM |
| Xaja | $25.00 | $25.00 | 5/3/2010 6:46:43 AM |
| trillian16 | $25.00 | $25.00 | 5/3/2010 6:46:49 AM |
| orange-dollar-guild | $50.00 | $50.00 | 5/3/2010 9:03:35 AM |
| selector568 | $153.13 | $153.13 | 5/3/2010 9:46:06 AM |
| crawfishcentral | $48.00 | $48.00 | 5/3/2010 10:15:36 AM |
| RandyL3 | $99.00 | $99.00 | 5/3/2010 4:41:42 PM |
| blot44 | $25.00 | $25.00 | 5/4/2010 6:43:41 AM |
| Favish | $100.00 | $100.00 | 5/4/2010 7:29:54 AM |
| 144 bids
|
Borrower Payment Dependent Notes Series
456560
This series of Notes was issued and sold upon the funding of the borrower loan #42341, 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-30-2010 |
| |
Auction end date:
| May-05-2010 |
|
|
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:
| 10% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 3m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 34 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,622 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 14 | | | | |
|
Screen name:
| penny-planetarium |
Borrower's state:
| Kansas |
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 CC and home Imp.
Purpose of loan:
This loan will be used to consolidate my credit debt and make improvements to my home.?????
My financial situation:
I am a good candidate for this loan because I am a civil engineer working with a well established firm. I make a fair living and have been working hard to pay off credit incurred during college. I have always paid my debts and will continue to do so. I have been recovering from a low credit score and don't want to do anything to threaten that recovery.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 195
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 245
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| burrito6 | $50.00 | $50.00 | 4/30/2010 3:36:26 PM |
| Comoparklender | $25.00 | $25.00 | 4/30/2010 3:39:57 PM |
| social-conductor4 | $25.00 | $25.00 | 4/30/2010 3:36:03 PM |
| brother_tam | $50.00 | $50.00 | 4/30/2010 3:40:13 PM |
| copper | $30.00 | $30.00 | 4/30/2010 3:40:24 PM |
| deal-hickory5 | $25.00 | $25.00 | 4/30/2010 3:41:27 PM |
| MARWARISETH | $25.00 | $25.00 | 4/30/2010 3:41:33 PM |
| rhin0cerx | $50.00 | $50.00 | 4/30/2010 3:42:59 PM |
| Rattlehead | $25.00 | $25.00 | 4/30/2010 3:43:17 PM |
| gjh37 | $25.00 | $25.00 | 4/30/2010 3:41:11 PM |
| Marathoner | $25.00 | $25.00 | 4/30/2010 3:43:42 PM |
| Artist_Blue | $25.00 | $25.00 | 4/30/2010 3:43:54 PM |
| supreme-hope | $25.00 | $25.00 | 4/30/2010 3:41:54 PM |
| personal-lender | $25.00 | $25.00 | 4/30/2010 3:42:31 PM |
| magnolia161 | $25.00 | $25.00 | 4/30/2010 3:43:25 PM |
| lendstats_com | $25.00 | $25.00 | 4/30/2010 3:46:20 PM |
| AF-Chief | $28.00 | $28.00 | 4/30/2010 3:50:31 PM |
| loot-tuba | $25.00 | $25.00 | 4/30/2010 3:51:30 PM |
| inspiring-reward | $100.00 | $30.48 | 4/30/2010 3:52:01 PM |
| GInBaghdad | $25.00 | $25.00 | 4/30/2010 3:50:24 PM |
| asset-professor | $35.00 | $35.00 | 4/30/2010 3:50:46 PM |
| global_microfinance | $25.00 | $25.00 | 4/30/2010 3:51:34 PM |
| jpjones86 | $25.00 | $25.00 | 4/30/2010 3:51:44 PM |
| wwwUniversal | $25.00 | $25.00 | 4/30/2010 3:54:00 PM |
| shrewd-peace7 | $30.00 | $30.00 | 4/30/2010 3:36:09 PM |
| dime-producer | $25.00 | $25.00 | 4/30/2010 3:38:44 PM |
| orderly-leverage | $30.00 | $30.00 | 4/30/2010 3:40:55 PM |
| actvtrdr | $35.00 | $35.00 | 4/30/2010 3:41:03 PM |
| jonbozeman | $25.00 | $25.00 | 4/30/2010 3:41:47 PM |
| Zolton | $200.00 | $200.00 | 4/30/2010 3:42:35 PM |
| castleman | $25.00 | $25.00 | 4/30/2010 3:44:24 PM |
| bountiful-bazaar | $25.00 | $25.00 | 4/30/2010 3:44:44 PM |
| skuba | $25.00 | $25.00 | 4/30/2010 3:51:39 PM |
| Tom579 | $25.00 | $25.00 | 4/30/2010 3:51:47 PM |
| czar3 | $40.00 | $40.00 | 5/3/2010 1:26:10 PM |
| SolarMoonshine | $25.00 | $25.00 | 5/3/2010 5:16:35 PM |
| irrelevant | $25.00 | $25.00 | 5/4/2010 10:38:39 AM |
| futurechef11 | $25.00 | $25.00 | 5/4/2010 8:26:25 PM |
| zburner | $25.00 | $25.00 | 4/30/2010 3:38:54 PM |
| GiantAardvark | $25.00 | $25.00 | 4/30/2010 3:41:22 PM |
| seisen | $51.52 | $51.52 | 4/30/2010 3:39:13 PM |
| unforgettable-order9 | $25.00 | $25.00 | 4/30/2010 3:43:37 PM |
| icecoldcash | $25.00 | $25.00 | 4/30/2010 3:44:00 PM |
| JGB | $25.00 | $25.00 | 4/30/2010 3:41:40 PM |
| deal-secret-agent | $25.00 | $25.00 | 4/30/2010 3:44:06 PM |
| kindness-percolator5 | $25.00 | $25.00 | 4/30/2010 3:42:03 PM |
| unforgettable-fund2 | $25.00 | $25.00 | 4/30/2010 3:42:09 PM |
| desertoasis | $25.00 | $25.00 | 4/30/2010 3:44:34 PM |
| cablenews | $25.00 | $25.00 | 4/30/2010 3:42:17 PM |
| life-is-great | $25.00 | $25.00 | 4/30/2010 3:44:38 PM |
| Midwestvalues | $100.00 | $100.00 | 4/30/2010 3:42:40 PM |
| red-favorable-basis | $25.00 | $25.00 | 4/30/2010 3:43:16 PM |
| Streetfighter | $50.00 | $50.00 | 4/30/2010 3:43:32 PM |
| DcUnited | $25.00 | $25.00 | 4/30/2010 3:44:12 PM |
| balanced-bill7 | $75.00 | $75.00 | 4/30/2010 3:44:17 PM |
| marketplace-buckeye | $25.00 | $25.00 | 4/30/2010 3:44:21 PM |
| rock-turner | $25.00 | $25.00 | 4/30/2010 3:50:44 PM |
| newest-inspiring-power | $25.00 | $25.00 | 4/30/2010 3:51:50 PM |
| melodious-fairness | $25.00 | $25.00 | 4/30/2010 3:50:42 PM |
| Zingaro | $25.00 | $25.00 | 4/30/2010 3:51:35 PM |
| autonomous-truth | $25.00 | $25.00 | 4/30/2010 3:36:23 PM |
| basis-prodigy | $25.00 | $25.00 | 4/30/2010 3:39:00 PM |
| gelidfrank | $25.00 | $25.00 | 4/30/2010 3:40:18 PM |
| return-eclipse0 | $25.00 | $25.00 | 4/30/2010 3:40:34 PM |
| reward-adventure | $30.00 | $30.00 | 4/30/2010 3:40:42 PM |
| PRGuyinVA | $25.00 | $25.00 | 4/30/2010 3:40:51 PM |
| ssh1983 | $25.00 | $25.00 | 4/30/2010 3:40:59 PM |
| ukstevenhawaii | $50.00 | $50.00 | 4/30/2010 3:42:47 PM |
| greenwell | $25.00 | $25.00 | 4/30/2010 3:43:11 PM |
| funds-rascal | $25.00 | $25.00 | 4/30/2010 3:50:51 PM |
| honorable-yield | $35.00 | $35.00 | 4/30/2010 3:51:04 PM |
| Banker7371 | $25.00 | $25.00 | 4/30/2010 3:51:19 PM |
| BlindJoeDeath | $25.00 | $25.00 | 4/30/2010 3:51:41 PM |
| finance-prescription | $100.00 | $100.00 | 5/4/2010 5:43:49 AM |
| market-pudding | $25.00 | $25.00 | 5/4/2010 10:43:06 AM |
| serene-capital | $25.00 | $25.00 | 5/5/2010 1:24:31 AM |
| 76 bids
|
Borrower Payment Dependent Notes Series
456618
This series of Notes was issued and sold upon the funding of the borrower loan #42352, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% |
Auction start date:
| May-03-2010 |
| |
Auction end date:
| May-03-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $452.36 |
| |
|
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:
| Jan-2002 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
13 | Length of status: | 9y 1m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 31 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $23,198 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $1,707 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| subtle-money764 |
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
Combining Debt
Purpose of loan:
This loan will be used to consolidate credit cards. The credit cards will be closed once paid off.
My financial situation:
I am a good candidate for this loan because I am in the military and your money will be paid back in full or the Navy gets involved. My wife also works full time, we are just struggling a little because our previous tenant did not pay the rent for 3 months. This loan will get us back in control of our finances by?paying off credit cards. We now have a good?tenant and need this loan to pay off credit cards so the extra money can be used towards the rental.?
Monthly net income: $
5200- US Navy
1700- Rental Income
Monthly expenses: $
??Housing: $ 3300
??Insurance: $ 80
??Car expenses: $ 480
??Utilities: $?180
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 75
??Credit cards and other loans: $?300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kindness-percolator5 | $25.00 | $25.00 | 5/3/2010 7:07:47 PM |
| julian_rojas72 | $10,000.00 | $9,975.00 | 5/3/2010 11:22:59 PM |
| 2 bids
|