Sales Report:Supplement No. 228 dated Jun 30, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 296133
This series of Notes was issued and sold upon the funding of the borrower loan #43282, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-24-2010 
  Auction end date:  Jun-26-2010 
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $65.48
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $63.79
 
Auction yield range: 3.98% - 10.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1996 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:1y 7m
Credit score: 760-779 (Jun-2010) Total credit lines: 14 Occupation: Tradesman - Plumber
Now delinquent: 0 Revolving credit balance: $8,676Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kbcw Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Re-plaster my pool
Purpose of loan:
I have been working my rear-end off for the last couple of months working on my pool and now it is finally time to re-plaster.? I have chipped out the old plaster and tile, fixed a crack, cut out 5 areas of rusted rebar, and re-tiled the entire water line.? I saved about $1,400 doing this myself. ????

My financial situation:
I have worked for the last 10 years in the swimming pool service and repair industry, and specialize in automated, wireless, and complex systems.? I work full time plus over time mon. - fri. and own my own service and repair company which I work evenings and weekends.? I have only 3 credit accounts with a balance, and actually have $13,000+ available from a line of credit, however I do not want to access this as it would re-work the balance to a 5 year term, and I intend on paying this loan off in 18-24 months, with a monthly payment of 100 - 125.

My truck is completely paid off, and I am working to become debt free, however it is starting to get hot, and I really want to swim in my pool.

Monthly net income: $ 2,800 - 3,300

Monthly expenses: $ 1450 - 1600
??Housing: $ 890
??Insurance: $ 90
??Car expenses: $ paid through my business
??Utilities: $ 145 - 295??? (Water/trash/city bill is $91/month plus electric heating and cooling bill which varies by season.)
??Phone, cable, internet: $ 120
? Credit cards and other loans: $ 205

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
orderly-loot$25.00$25.006/24/2010 3:51:03 PM
american6$50.00$50.006/24/2010 3:53:02 PM
Havana21$25.00$25.006/24/2010 3:53:18 PM
FlexFunding$100.00$100.006/24/2010 3:53:55 PM
UT-Longhorn$25.00$25.006/24/2010 3:54:17 PM
gojackgo$50.00$50.006/24/2010 3:54:35 PM
tekkie2412$25.00$25.006/24/2010 3:54:45 PM
jangalt$72.00$72.006/24/2010 3:54:55 PM
syounker$25.00$25.006/24/2010 3:57:07 PM
ommcd$25.00$25.006/24/2010 3:58:19 PM
dharma1$25.00$25.006/24/2010 3:51:43 PM
orgy63$25.00$25.006/24/2010 3:51:49 PM
personal-lender$25.00$25.006/24/2010 3:53:28 PM
fair-funds$25.00$25.006/24/2010 3:53:41 PM
SNH$50.00$50.006/24/2010 3:54:47 PM
ThomasC$25.00$25.006/24/2010 3:55:19 PM
interest-jedi0$50.00$50.006/24/2010 3:55:59 PM
tntmojave$25.00$25.006/24/2010 3:56:05 PM
inspired-contract9$50.00$50.006/24/2010 3:56:50 PM
zaxsan$25.00$25.006/24/2010 3:56:54 PM
trunderw$25.00$25.006/25/2010 1:53:14 PM
riproaringrapids$25.00$25.006/24/2010 3:51:28 PM
Artist_Blue$25.00$25.006/24/2010 3:52:09 PM
bountiful-durability$100.00$100.006/24/2010 3:52:40 PM
flexible-value$28.00$28.006/24/2010 3:53:05 PM
credit-investor5$100.00$100.006/24/2010 3:54:37 PM
Global2010$50.00$50.006/24/2010 3:55:05 PM
the-transaction-stronghold$50.00$50.006/24/2010 3:55:12 PM
bchen78875$50.00$50.006/24/2010 3:55:25 PM
alexstar$25.00$25.006/24/2010 3:55:52 PM
studious-bonus7$50.00$50.006/24/2010 3:56:15 PM
successful-euro$50.00$50.006/24/2010 3:51:24 PM
kenji4861$25.00$25.006/24/2010 3:51:33 PM
Tc11902$25.00$25.006/24/2010 3:53:45 PM
delicious-social132$25.00$25.006/24/2010 3:53:52 PM
point-zebra$25.00$25.006/24/2010 3:54:05 PM
hookUup$25.00$25.006/24/2010 3:54:12 PM
szetowski$25.00$25.006/24/2010 3:54:22 PM
simplelender80$100.00$100.006/24/2010 3:54:26 PM
loot-heart$50.00$50.006/24/2010 3:55:36 PM
treasure-hunter270$25.00$25.006/24/2010 3:55:45 PM
mlopez2007$25.00$25.006/24/2010 3:55:51 PM
hrubinst$25.00$25.006/24/2010 3:56:17 PM
Avala$50.00$50.006/24/2010 3:56:27 PM
head$25.00$25.006/24/2010 3:56:52 PM
Jassi$25.00$25.006/24/2010 3:57:08 PM
enthralling-deal180$100.00$100.006/24/2010 3:57:15 PM
Winsten$50.00$50.006/24/2010 3:57:19 PM
bid-czar8$100.00$50.006/24/2010 3:58:26 PM
49 bids
 
Borrower Payment Dependent Notes Series 455089
This series of Notes was issued and sold upon the funding of the borrower loan #43303, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $159.46
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $159.46
 
Auction yield range: 3.98% - 8.20% 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: Aug-1981 Debt/Income ratio: 28%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 16Length of status:4y 7m
Credit score: 760-779 (Jun-2010) Total credit lines: 38 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $32,576Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: juxtapose Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
I have a small balance credit card at 14% that I'd like to replace with a lower rate.? All remaining debt is between 5% and 7.5%.

My financial situation:
I am a good candidate for this loan because? I have no lates and good credit.? I'd rather pay prosper investors my interest than a credit card company.? I have also been a prosper lender since 2006.? Feel free to ask me any questions you may have!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
treasure-hunter270$25.00$25.006/21/2010 3:57:11 PM
Syndication$25.00$25.006/21/2010 4:01:32 PM
riproaringrapids$25.00$25.006/21/2010 4:03:37 PM
UT-Longhorn$25.00$25.006/21/2010 4:08:58 PM
Avala$50.00$50.006/21/2010 3:56:07 PM
american6$25.00$25.006/21/2010 3:56:25 PM
Havana21$25.00$25.006/21/2010 3:59:17 PM
delicious-social132$25.00$25.006/21/2010 4:03:14 PM
bountiful-durability$50.00$50.006/21/2010 4:04:54 PM
bchen78875$25.00$25.006/21/2010 4:10:40 PM
BooFoo22$25.00$25.006/21/2010 4:22:11 PM
serpentine$50.00$50.006/21/2010 4:51:03 PM
ommcd$25.00$25.006/21/2010 4:55:46 PM
BuffetRocks$50.00$50.006/21/2010 4:57:39 PM
famous-bill$50.00$50.006/21/2010 5:03:48 PM
hrubinst$25.00$25.006/21/2010 5:06:41 PM
peb44$50.00$50.006/21/2010 5:08:56 PM
generous-deal6$25.00$25.006/21/2010 5:09:04 PM
shrewd-truth1$25.00$25.006/21/2010 5:09:28 PM
blackstar$25.00$25.006/21/2010 5:10:31 PM
j2ee$25.00$25.006/21/2010 5:03:59 PM
justice-clipper$50.00$50.006/21/2010 5:04:03 PM
pavelz$27.19$27.196/21/2010 5:05:25 PM
successful-euro$50.00$50.006/21/2010 5:05:54 PM
studious-bonus7$50.00$50.006/21/2010 5:06:40 PM
ddog0224$25.00$25.006/21/2010 5:09:55 PM
gracej$25.00$25.006/21/2010 5:10:26 PM
AF-Chief$28.00$28.006/21/2010 5:09:32 PM
castleman$25.00$25.006/21/2010 9:53:09 PM
flexible-return297$25.00$25.006/21/2010 5:10:42 PM
Rips$25.00$25.006/21/2010 10:08:57 PM
angelinvestor01$75.00$75.006/21/2010 7:09:29 PM
tech310$50.00$50.006/22/2010 12:19:39 AM
zaxsan$25.00$25.006/22/2010 4:24:58 AM
power-fate3$50.00$50.006/22/2010 9:35:07 AM
Ready2Loan$25.00$25.006/22/2010 9:35:47 AM
Comoparklender$30.00$30.006/22/2010 7:15:23 AM
teller$25.00$25.006/22/2010 7:01:35 AM
rescue$28.87$28.876/22/2010 9:47:46 AM
Tc11902$50.00$50.006/22/2010 1:00:08 PM
dontletmoneyfoolya$100.00$100.006/22/2010 5:42:40 PM
Dan12781$25.00$25.006/23/2010 7:10:47 AM
PersonalBnkr$25.00$25.006/22/2010 8:44:51 PM
muzicman$50.00$50.006/23/2010 10:08:25 AM
Breakfast_Gypsy$25.00$25.006/23/2010 9:39:37 AM
LenderByDay$25.00$25.006/23/2010 1:34:55 PM
bigphish$25.00$25.006/23/2010 2:29:43 PM
apetrock$50.00$50.006/23/2010 11:09:43 AM
iceberg982362$25.00$25.006/23/2010 11:49:30 AM
ohnezweck$25.00$25.006/23/2010 11:54:30 AM
nanda$25.00$25.006/23/2010 1:09:43 PM
felicity-loyalist0$30.00$30.006/23/2010 3:31:56 PM
integrity-doctor$25.00$25.006/23/2010 3:09:29 PM
oskizzle$25.00$25.006/24/2010 9:11:19 AM
mmckune$25.00$25.006/24/2010 9:11:33 AM
brazilofmux$70.36$70.366/24/2010 9:33:43 AM
first-upright-payout$25.00$25.006/24/2010 11:47:16 AM
successful-agreement7$50.00$50.006/24/2010 2:25:22 PM
IIP77$25.00$25.006/24/2010 9:50:16 AM
reflective-rupee$25.00$25.006/24/2010 10:20:37 AM
life-is-great$25.00$25.006/24/2010 10:39:50 AM
Cherrypicker$50.00$50.006/24/2010 11:52:42 AM
dhe50$25.00$25.006/24/2010 2:29:02 PM
reflective-rupee$1,000.00$307.876/24/2010 3:05:15 PM
Trident-Fund$50.00$50.006/26/2010 9:02:20 AM
JGuide$26.99$26.996/28/2010 10:49:57 AM
forthright-principal2$25.00$25.006/28/2010 12:29:33 PM
mgking007$25.00$25.006/28/2010 1:11:51 PM
yield-seeker$25.00$25.006/21/2010 4:06:47 PM
personal-lender$25.00$25.006/21/2010 3:58:01 PM
ichibon$75.00$75.006/21/2010 4:04:09 PM
relentless-penny$25.00$25.006/21/2010 4:05:27 PM
orderly-loot$25.00$25.006/21/2010 4:06:59 PM
the-transaction-stronghold$25.00$25.006/21/2010 4:24:08 PM
SNH$50.00$50.006/21/2010 4:20:00 PM
miked8303$25.00$25.006/21/2010 4:49:01 PM
orgy63$25.00$25.006/21/2010 4:41:41 PM
SelectTrustLending$50.00$50.006/21/2010 4:47:10 PM
openness-prospector$25.00$25.006/21/2010 4:51:13 PM
velocity-warrior$50.00$50.006/21/2010 5:04:45 PM
shrewd-deal$25.00$25.006/21/2010 5:05:01 PM
new-return-faire$50.00$50.006/21/2010 5:10:34 PM
bonus-patriot$25.00$25.006/21/2010 4:58:15 PM
klinebarger$25.00$25.006/21/2010 4:58:30 PM
new-social-economist$25.00$25.006/21/2010 5:03:52 PM
syounker$25.00$25.006/21/2010 5:03:32 PM
platinum-sorcerer6$50.00$50.006/21/2010 5:04:33 PM
jdrez$25.00$25.006/21/2010 5:04:42 PM
wise-spiritual-commitment$45.72$45.726/21/2010 5:08:17 PM
holstj$25.00$25.006/21/2010 5:07:41 PM
balanced-bill7$100.00$100.006/21/2010 5:08:24 PM
loot-heart$50.00$50.006/21/2010 5:10:21 PM
cash-spark3$25.00$25.006/21/2010 5:10:49 PM
radforj22$25.00$25.006/21/2010 10:34:34 PM
bonus-acrobat$50.00$50.006/21/2010 7:55:27 PM
gobot$50.00$50.006/21/2010 9:00:29 PM
peso-windmill$50.00$50.006/22/2010 9:34:41 AM
head$25.00$25.006/22/2010 2:19:43 AM
the-profit-oracle$25.00$25.006/21/2010 10:36:31 PM
impressive-credit431$25.00$25.006/22/2010 9:47:43 AM
green-thoughtful-yield$50.00$50.006/22/2010 9:48:00 AM
nikkiesgrandma$50.00$50.006/22/2010 5:34:29 AM
atlantic51$50.00$50.006/22/2010 6:04:40 AM
surfhoss644$50.00$50.006/22/2010 7:54:26 AM
movistar$25.00$25.006/22/2010 9:35:51 AM
enthralling-deal180$100.00$100.006/22/2010 9:35:11 AM
gulch$30.00$30.006/22/2010 9:48:37 AM
Winsten$50.00$50.006/22/2010 1:24:54 PM
lululender$75.00$75.006/22/2010 5:40:32 PM
Artist_Blue$25.00$25.006/23/2010 9:41:14 AM
Headhunter14$25.00$25.006/22/2010 8:19:32 PM
DadWarbucks$25.00$25.006/23/2010 10:41:32 AM
RandyL3$25.00$25.006/23/2010 10:48:43 AM
mikeandcat$50.00$50.006/23/2010 12:04:31 PM
bodascafe$25.00$25.006/23/2010 9:50:11 AM
fareast_man$25.00$25.006/23/2010 2:29:54 PM
retiresecure$25.00$25.006/23/2010 3:43:25 PM
Clambake$50.00$50.006/24/2010 9:11:31 AM
jchurchi$25.00$25.006/23/2010 6:56:33 PM
dreammachine$50.00$50.006/24/2010 9:13:50 AM
green-penny-finder$25.00$25.006/24/2010 9:44:25 AM
logical-loyalty0$25.00$25.006/24/2010 2:54:31 PM
ethicalhumanist$25.00$25.006/25/2010 4:52:54 PM
wwwUniversal$25.00$25.006/26/2010 1:09:37 PM
theloanfiller$25.00$25.006/26/2010 8:02:04 PM
Toony$25.00$25.006/27/2010 8:38:05 PM
Toony$25.00$25.006/27/2010 8:46:36 PM
loanman2007$150.00$150.006/28/2010 5:01:21 AM
emjaybee$25.00$25.006/28/2010 3:40:58 PM
1phantom$50.00$50.006/28/2010 3:55:36 PM
130 bids
 
Borrower Payment Dependent Notes Series 459831
This series of Notes was issued and sold upon the funding of the borrower loan #43236, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,300.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $91.45
Final lender yield: 16.00% Final borrower rate/APR: 17.00% / 19.20% Final monthly payment: $82.00
 
Auction yield range: 13.98% - 24.00% Estimated loss impact: 14.70%  
Lender servicing fee: 1.00% Estimated return: 1.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2006 Debt/Income ratio: 23%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 5Length of status:3y 11m
Credit score: 640-659 (May-2010) Total credit lines: 15 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $2,417Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: plantengineer Borrower's state: Georgia Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 32 ( 94% ) 640-659 (Latest)
Principal borrowed: $8,000.00< 31 days late: 2 ( 6% )  
660-679 (Jul-2009)
580-599 (Jul-2008)
560-579 (Feb-2008)
580-599 (May-2007)
 
Principal balance: $2,170.30 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
lower prosper interest rate
Purpose of loan:
I simply want to lower the interest rate on the remainder of my current prosper loan.

My financial situation:
I am a good candidate for this loan because I earn slightly more money than I spend each month?

Monthly net income: $2300

Monthly expenses: $
??Housing: 850$
??Insurance: 75$
??Car expenses: 0$
??Utilities:150 $
??Phone, cable, internet: 50$
??Food, entertainment: 175$
??Clothing, household expenses 150$
??Credit cards and other loans: 450$
??Other expenses: 150$
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of $177.85 in winning bids.
"Group Member, 640+ Credit Score, No DQs, prior borrower and about 1/5th of the requested invested as a Lender! I am bidding!"
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: What interest rate are you aiming for? Thanks, and Good Luck! - proton346
A: Thanks for your question. I'm happy with anything under 21% but I'm aiming for 12%. In the past year I have been working really hard to lower my monthly expenses. I streamlined my home mortgage at a much lower interest rate and successfully appealed my property taxes. Even though it would extend payment for another year, lowering the interest rate of this Prosper loan would save me between $30 and $45 a month. (Jun-24-2010)
Q: Can you talk about the 2 late payments to Prosper? In particular, when did they happen and why? - Finspons
A: I think the first late payment was about the time my student loans satarted coming due and it took me a couple of pay periods to adjust to the new item. I think the second one was a couple of years ago when I was purchasing our home. We did a FHA rehab and had some added expenses to pass inspection. The house needed a lot of work before we could live in it. I think I was less than ten days late on both payments. I'll juggle if I have to but I always pay. (Jun-24-2010)
Q: As of June ?10: 2 late payments Aug ?09: 1 late payment May ?07: "refinance of that student loan that I owe $17,000 at 7% for 30yrs and pay $165 a month on" Can you explain the late payment that occurred within the last 10 months? - Finspons
A: I'm guessing at events that may have caused a late paymnets but my wife and I did have a baby within the past 15 months. Maybe we had a much larger than usual gas bill because we had an unusually cold winter here. We changed daycares and the new one is more expensive. Any number of unexpected expenses can cause one to have to juggle finances and adjust. However, I did not miss any payments and was only a few days late. Sorry, without reconstructing the past 10 months I couldn't precisely say. (Jun-25-2010)
Q: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: I too, as a Prosper lender, lost about half the value of my portfolio over the past 18months due to defaults. I however, have no intention of defaulting. My situation is pretty stable and I think Prosper is a great thing. If you look at my loan history and credit info you can see I don't default on my debts. I would appreciate your bid but I understand your aversion to risk. Signing the promissory note if I accept this loan is my promise to everyone bidding on me to pay them back with interest. (Jun-26-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
calkidd05$25.00$25.006/22/2010 2:28:30 PM
wlm3012$25.00$25.006/23/2010 8:18:17 AM
nimcha$50.00$50.006/24/2010 6:57:12 AM
loanman2007$250.00$250.006/25/2010 4:37:17 PM
Firescreek$25.00$25.006/28/2010 7:13:12 AM
simeonthewhale$42.23$42.236/28/2010 6:46:34 AM
credit-missile$25.00$25.006/28/2010 7:08:29 PM
order-bee1$25.00$25.006/29/2010 2:20:33 AM
mrxtravis$100.00$100.006/29/2010 10:06:15 AM
JGuide$51.41$51.416/29/2010 9:57:47 AM
RugbyFan$27.07$27.076/29/2010 10:30:08 AM
Socorro_Capital_Partners$25.00$25.006/29/2010 11:09:08 AM
XayV03$25.00$25.006/29/2010 11:34:51 AM
loot-motion$25.00$25.006/29/2010 1:10:24 PM
grampy48$25.00$25.006/29/2010 1:26:19 PM
JGuide$25.03$25.036/22/2010 2:28:25 PM
MrPie$50.00$50.006/22/2010 6:11:59 PM
BAEVentures$25.00$25.006/23/2010 6:30:22 AM
TJGbank$25.00$25.006/23/2010 2:01:27 PM
jpblan11$36.53$36.536/24/2010 4:30:48 PM
MrPie$50.00$50.006/25/2010 3:28:59 AM
tacologic$100.00$100.006/25/2010 8:13:20 AM
burnfromwithin$25.00$25.006/26/2010 3:14:49 PM
deal-dojo$43.82$35.986/26/2010 5:47:23 PM
wlm3012$25.00$25.006/26/2010 11:36:36 AM
jslo722$25.00$25.006/26/2010 8:51:28 PM
clemclan$25.00$25.006/28/2010 10:22:45 AM
DackoDenk$25.00$25.006/28/2010 12:04:55 PM
lendstats_com$500.00$500.006/28/2010 8:46:07 PM
exchange-cowbell5$25.00$25.006/29/2010 8:03:47 AM
JGuide$101.41$101.416/29/2010 9:56:15 AM
mrxtravis$50.00$50.006/29/2010 10:08:00 AM
jpblan11$29.72$29.726/29/2010 9:55:52 AM
dano1965$50.00$50.006/29/2010 11:14:25 AM
upbeat-marketplace$25.00$25.006/29/2010 11:25:39 AM
sunnygee$34.62$34.626/29/2010 11:26:46 AM
moola-accelerator6$30.00$30.006/29/2010 1:14:21 PM
bull_lender$36.00$36.006/29/2010 1:28:58 PM
hillerod$25.00$25.006/29/2010 10:20:10 AM
I_want_to_help_you$25.00$25.006/29/2010 1:24:24 PM
credit-missile$25.00$25.006/29/2010 11:54:16 AM
credit-missile$75.00$75.006/29/2010 12:04:07 PM
loanman2007$50.00$50.006/29/2010 12:10:38 PM
43 bids
 
Borrower Payment Dependent Notes Series 460733
This series of Notes was issued and sold upon the funding of the borrower loan #43312, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.46% Final monthly payment: $41.09
 
Auction yield range: 16.98% - 34.00% Estimated loss impact: 19.54%  
Lender servicing fee: 1.00% Estimated return: 6.96%  
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-2000 Debt/Income ratio: 11%
Basic (1-10): 5 Inquiries last 6m: 10Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 8Length of status:8y 11m
Credit score: 640-659 (May-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,680Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: caprirolito Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a high interest credit card
Purpose of loan:
This loan will be used to pay off a couple of small credit cards and in the process increase my credit score.

My financial situation:
I am a good candidate for this loan because I am looking to build up my credit score not tear it down.

My goal is to pay this loan off in 4 or less payments. I am also a lender on this site.
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 was not aware I had a delinquency. Can you please clarify?" On the "Borrower's Credit Profile" on your listing, it shows 1 deliquency in the last 7 years. - tigercat
A: I'll have to pull a copy of my credit report to find out what it was. I honestly do not remember being late with any of my payments. (Jun-25-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fuzed$50.00$50.006/22/2010 10:47:20 AM
realtormoises$25.00$25.006/23/2010 6:53:41 AM
SolarMoonshine$25.00$25.006/23/2010 10:02:48 AM
checzwick$25.00$25.006/24/2010 5:20:08 AM
loanman2007$75.00$75.006/28/2010 5:05:06 AM
diligent-moola9$32.06$32.066/28/2010 1:03:17 PM
Iza13$39.67$39.676/28/2010 4:37:02 PM
admirable-credit$25.00$25.006/28/2010 4:01:35 PM
coyone$40.40$40.406/28/2010 4:06:58 PM
DCsource$25.00$25.006/28/2010 4:54:27 PM
Happyhourcomics$25.00$25.006/28/2010 6:00:42 PM
khamlagirl$25.00$25.006/28/2010 8:36:24 PM
order-bee1$100.00$100.006/29/2010 1:53:43 AM
AdamsWay$25.00$25.006/29/2010 6:39:13 AM
Leshan$50.00$50.006/29/2010 7:51:20 AM
wyobeads$25.00$25.006/29/2010 9:12:06 AM
wlm3012$25.00$25.006/23/2010 8:32:26 AM
SNH$50.00$50.006/28/2010 4:13:10 PM
onecooldrink$25.00$25.006/28/2010 11:35:12 PM
lendstats_com$100.00$100.006/28/2010 8:40:52 PM
leverage-britches$25.00$25.006/28/2010 9:49:51 PM
IntrepidInvestment$50.00$9.196/28/2010 10:13:03 PM
TashaRemay$25.00$25.006/29/2010 7:32:33 AM
MrPie$25.00$25.006/29/2010 7:51:58 AM
Nasdaq$25.00$25.006/29/2010 7:24:07 AM
alluring-yield5$28.68$28.686/29/2010 8:50:03 AM
kinetic-social$25.00$25.006/29/2010 9:06:59 AM
CPAecs$25.00$25.006/29/2010 9:13:34 AM
28 bids
 
Borrower Payment Dependent Notes Series 461643
This series of Notes was issued and sold upon the funding of the borrower loan #43224, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,250.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jun-23-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $215.04
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $215.04
 
Auction yield range: 10.98% - 26.25% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1977 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 14Length of status:30y 5m
Credit score: 660-679 (Jun-2010) Total credit lines: 44 Occupation: Accountant/CPA
Now delinquent: 1 Revolving credit balance: $21,018Stated income:$50,000-$74,999
Amount delinquent: $1,091 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 99    
Screen name: SIGMAMAN Borrower's state: Texas Borrower's group: HARD MONEY LOANS
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 94% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 2 ( 6% )  
640-659 (Aug-2009)
600-619 (Jan-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
PAYING HIGH INTEREST DEBT
Purpose of loan:
This loan will be used to pay off short term high interest debt, and to repair my truck. I would also like to take care of some minor blimishes on my credit report from the past when things were not so good.

My financial situation:
I am a good candidate for this loan because my previous Prosper loan was paid in full with only?one issue resulting from some unauthorized activity in my checking account that took two months to clear up. In addition, my house will be paid off in a little over one year and my truck will be paid off in 24 months. I am also vested in my company pension?plan. In the past I promised not to let my lenders down if given the chance, and I didn't. One of my goals is be an investor in Prosper loans and help someone?else. My credit score?as gone up over 60 point since my?first contact with prosper. This loan will allow me to pay off debt and save money by consolidating several short term high interest payments into one manageable payment. I have made major progress in reducing my debt, and I have still have some work to do, but I am headed in the right direction. If?approved, I will not let the Prosper investors down.

Monthly net income:
$4337.62 a month plus a $200 a month from a pension from my deceased father.

Monthly expenses: $
??Housing: $746.00
??Insurance:?paid by my wife?
??Car expenses: $552.00 car note & 100.00?for gas??
??Utilities:?paid by my wife
??Phone, cable, internet:?$225.00
??Food, entertainment: $500.00
??Clothing, household expenses?100.00
??Credit cards and other loans:710.00
??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: Could you say how you got 99 delinquencies? Thanks, and Good Luck! - proton346
A: Several years ago due to finanical difficulties I contacted several of my creditors about my situation. As result of those conversations, I was granted lower interest rates with very stiff pay back conditions. The good part for me and the creditors was that they got paid and my debt went down. However they continued to report me late to the credit agencies even though I made the payments each and every month. Once the balances reached a certain level they stopped reporting me late. (Jun-24-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
helping-out$30.00$30.006/23/2010 4:10:48 PM
AF-Chief$28.00$28.006/23/2010 4:14:14 PM
MADAOO7$50.00$50.006/23/2010 4:21:53 PM
Havana21$25.00$25.006/23/2010 4:22:01 PM
greenwell$25.00$25.006/23/2010 4:22:07 PM
relentless-penny$25.00$25.006/23/2010 4:22:19 PM
orderly-leverage$30.00$30.006/23/2010 4:23:11 PM
simplelender80$50.00$50.006/23/2010 4:21:44 PM
FeedTheMachine$100.00$100.006/23/2010 4:22:47 PM
bid-czar8$100.00$100.006/23/2010 4:22:06 PM
SNH$50.00$50.006/23/2010 4:22:58 PM
Artist_Blue$25.00$25.006/23/2010 4:24:38 PM
Flying_Tilapia$25.00$25.006/23/2010 10:50:54 PM
Pman$25.00$25.006/23/2010 4:25:36 PM
supreme-hope$25.00$25.006/23/2010 4:38:09 PM
life-is-great$25.00$25.006/24/2010 10:39:46 AM
logical-loyalty0$25.00$25.006/24/2010 3:00:05 PM
orderly-loot$25.00$25.006/24/2010 1:05:18 PM
seisen$29.64$29.646/24/2010 4:22:55 PM
samo102us$25.00$25.006/24/2010 4:22:13 PM
Cypher041$25.00$25.006/24/2010 4:23:54 PM
green-thoughtful-yield$50.00$50.006/24/2010 9:35:46 PM
interest-coyote$40.00$40.006/24/2010 9:48:43 PM
treasure-bliss$55.19$55.196/25/2010 7:14:54 AM
kind-adventurous-finance$30.00$30.006/25/2010 7:50:54 AM
wlm3012$25.00$25.006/25/2010 9:04:40 AM
soulful-truth$1,000.00$1,000.006/25/2010 4:26:06 PM
ChrisKwan$25.00$25.006/25/2010 4:41:30 PM
Amber_Stone$25.00$25.006/26/2010 8:09:25 AM
KiwiElf$25.00$25.006/25/2010 10:55:34 PM
boo_hoo$50.00$50.006/26/2010 3:20:43 AM
grnii78$38.03$38.036/26/2010 6:49:08 AM
genuine-integrity0$25.00$25.006/26/2010 7:12:45 AM
Mark-M$25.00$25.006/27/2010 8:14:15 AM
worldly-gold$100.00$100.006/26/2010 8:17:22 PM
slojudy$25.00$25.006/27/2010 5:00:44 PM
salala$25.00$25.006/27/2010 5:04:47 PM
TheColoradoDon$25.00$25.006/27/2010 5:04:49 PM
TCayce$25.00$25.006/27/2010 5:04:54 PM
natecam$25.00$25.006/27/2010 5:05:31 PM
moopi$25.00$25.006/27/2010 8:40:11 AM
Galdis$25.00$25.006/27/2010 8:31:56 AM
EJL$25.00$25.006/27/2010 8:40:08 AM
jhouman$25.00$25.006/27/2010 8:20:13 PM
lagnisiruk$25.00$25.006/27/2010 11:45:41 AM
AlexTrep$25.00$25.006/27/2010 1:20:25 PM
utmom$25.00$25.006/27/2010 12:09:33 PM
BrighterSuns$25.00$25.006/28/2010 7:00:02 AM
flexible-value$25.00$25.006/27/2010 4:59:56 PM
nick5454$25.00$25.006/27/2010 4:59:58 PM
108lender$25.00$25.006/27/2010 5:04:45 PM
wwwUniversal$25.00$25.006/27/2010 5:35:42 PM
SohamCA$200.00$200.006/28/2010 2:15:49 AM
Comoparklender$25.00$25.006/23/2010 4:23:33 PM
head$25.00$25.006/23/2010 4:23:52 PM
personal-lender$25.00$25.006/23/2010 4:23:13 PM
IntrepidInvestment$50.00$50.006/23/2010 4:22:30 PM
cash-spark3$50.00$50.006/23/2010 4:22:57 PM
ommcd$25.00$25.006/23/2010 4:24:07 PM
famous-bill$50.00$50.006/24/2010 6:21:30 AM
PatRichi$25.00$25.006/24/2010 6:49:36 AM
UCLA4life$25.00$25.006/23/2010 4:37:09 PM
desertoasis$25.00$25.006/23/2010 10:20:50 PM
reflective-rupee$25.00$25.006/24/2010 10:20:55 AM
first-upright-payout$25.00$25.006/24/2010 11:46:42 AM
delivery$25.00$25.006/24/2010 10:10:52 AM
loan-genie88$25.00$25.006/24/2010 12:59:45 PM
bnlforever$25.00$25.006/24/2010 4:23:03 PM
Sam65$25.00$25.006/24/2010 4:23:58 PM
rhin0cerx$35.80$35.806/25/2010 1:04:30 AM
blissful-gain$50.00$50.006/25/2010 8:43:03 AM
asmithj$50.00$50.006/25/2010 9:39:28 AM
RebuildALife$25.00$25.006/25/2010 4:14:34 PM
kginatl$25.00$25.006/25/2010 4:14:40 PM
Rattlehead$25.00$25.006/26/2010 8:20:33 AM
gizzywump$25.00$25.006/25/2010 10:56:17 PM
red-favorable-basis$25.00$25.006/26/2010 5:15:37 AM
dough-bear$50.00$50.006/27/2010 8:40:09 AM
Sateesh$29.83$29.836/26/2010 11:41:51 PM
festeringsnot$25.00$25.006/27/2010 4:59:44 PM
Mantis75$25.00$25.006/27/2010 4:59:55 PM
LBOregon$25.00$25.006/27/2010 5:00:22 PM
loan-gatherer$25.00$25.006/27/2010 5:04:26 PM
rlgnyc$68.07$68.076/27/2010 5:04:38 PM
zeelender$25.00$25.006/27/2010 5:04:50 PM
compassion-paladin042$25.00$25.006/27/2010 5:04:58 PM
cash-tiramisu$124.42$124.426/27/2010 5:05:35 PM
top-courteous-peso$25.00$25.006/27/2010 5:35:43 PM
marcomnzs$25.00$25.006/27/2010 8:40:07 AM
saffron4$50.00$50.006/27/2010 8:40:21 AM
rdecartus$25.00$25.006/27/2010 8:41:03 AM
ITExec$40.47$40.476/27/2010 8:41:16 AM
A007$25.00$25.006/27/2010 4:34:56 PM
affluence-tycoon$25.00$25.006/27/2010 5:00:01 PM
revenue-achievement$25.00$25.006/27/2010 5:00:42 PM
Kaj$25.00$25.006/27/2010 4:59:43 PM
upc_tnt$25.00$25.006/27/2010 5:04:27 PM
honorable-yield$35.00$35.006/27/2010 5:00:03 PM
CC911$25.00$25.006/27/2010 5:04:31 PM
topher515$25.00$25.006/27/2010 5:04:52 PM
theshef$25.00$25.006/27/2010 5:04:25 PM
johnayan$25.00$25.006/27/2010 5:04:34 PM
ouyangers$25.00$25.006/27/2010 5:04:43 PM
jlr613$25.00$25.006/27/2010 5:05:31 PM
exchange-cowbell5$25.00$25.006/27/2010 6:32:33 PM
reflective-rupee$1,200.00$527.226/27/2010 5:30:44 PM
twjh$25.00$25.006/27/2010 5:35:39 PM
new-peso-concerto$133.33$133.336/28/2010 8:23:02 AM
108 bids
 
Borrower Payment Dependent Notes Series 462305
This series of Notes was issued and sold upon the funding of the borrower loan #43279, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-14-2010 
  Auction end date:  Jun-21-2010 
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $95.68
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $95.68
 
Auction yield range: 3.98% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 0m
Credit score: 780-799 (Jun-2010) Total credit lines: 14 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $4,762Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fearless-agreement8 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Yoga For Kids Studio Space
Purpose of the Loan: Kid Yoga Studio Space
This loan will be used to help bring my mobile business to a home base. I have traveled from school to school over the past two years offering yoga to kids. I now have the opportunity to bring my popular classes into my very own space. The space I have found is beautiful and meant for movement, but will need some financial start up that I do not have right now. This is an amazing opportunity I do not want to miss. Kids can benefit from yoga just the same way adults can. Yoga for Kids is an hugely growing market in Denver and I would love to be at the front of it.
My financial situation is actually quite good. I have terrific credit and very little debt. I am a responsible bill payer and look forward to additional profits brought on by the additional space for classes and workshops.
I am a good candidate for this loan because I am an enthusiastic business owner with lots of ideas for growth. I would be honored to have your support and would never take it for granted. I have the heart to pull this off, I just need a financial boost!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
j2ee$25.00$25.006/14/2010 4:01:32 PM
impressive-credit431$500.00$500.006/14/2010 4:01:42 PM
delicious-social132$25.00$25.006/14/2010 4:05:26 PM
flexible-value$28.00$28.006/14/2010 4:10:17 PM
hookUup$25.00$25.006/14/2010 4:10:49 PM
successful-euro$75.00$75.006/14/2010 4:02:24 PM
orgy63$25.00$25.006/14/2010 4:08:22 PM
kulender$30.00$30.006/14/2010 4:08:32 PM
Bank42$50.00$50.006/14/2010 4:08:36 PM
treasure-hunter270$25.00$25.006/14/2010 4:08:44 PM
alexstar$25.00$25.006/14/2010 4:09:08 PM
riproaringrapids$25.00$25.006/14/2010 4:03:07 PM
truth-image$50.00$50.006/14/2010 4:09:16 PM
a-responsible-return$25.00$25.006/14/2010 4:09:36 PM
figs4u2$80.00$80.006/14/2010 4:10:30 PM
dontscrewmeover1$25.00$25.006/14/2010 4:10:55 PM
SpotLending$50.00$50.006/14/2010 8:11:55 PM
interstellar$50.00$50.006/15/2010 8:44:49 AM
bizguy1982$25.00$25.006/16/2010 12:15:35 PM
FundMaker$25.00$25.006/17/2010 8:17:32 PM
wwwUniversal$25.00$25.006/18/2010 11:40:31 AM
Spring342$25.00$25.006/19/2010 8:36:02 AM
d3v0t3d$25.00$25.006/18/2010 6:05:37 PM
natural-affluence4$50.00$50.006/18/2010 7:12:57 PM
DirtyJackBoner$50.00$50.006/19/2010 6:06:44 AM
tallfund$50.00$50.006/19/2010 8:55:05 AM
felicity-loyalist0$25.00$25.006/19/2010 9:57:15 AM
socal-lender$25.00$25.006/19/2010 9:38:17 PM
mbf2234$25.00$25.006/20/2010 3:18:18 AM
rangersquire$25.00$25.006/20/2010 12:27:23 AM
Lefty_the_Lender$25.00$25.006/21/2010 12:58:04 PM
himanshuko$45.00$45.006/21/2010 8:15:34 AM
Dskillz$33.55$33.556/21/2010 9:42:32 AM
Ivan2007$25.00$25.006/14/2010 4:02:00 PM
Artist_Blue$25.00$25.006/14/2010 4:02:12 PM
tender-integrity3$50.00$50.006/14/2010 4:02:47 PM
pavelz$100.00$100.006/14/2010 4:05:15 PM
personal-lender$25.00$25.006/14/2010 4:05:38 PM
loot-heart$50.00$50.006/14/2010 4:06:38 PM
mlopez2007$25.00$25.006/14/2010 4:09:04 PM
meenan$25.00$25.006/14/2010 4:09:21 PM
american6$50.00$50.006/14/2010 4:09:44 PM
kegs$100.00$100.006/14/2010 4:09:58 PM
meux99$25.00$25.006/14/2010 4:02:37 PM
SNH$50.00$50.006/14/2010 4:06:13 PM
interest-jedi0$50.00$50.006/14/2010 4:09:30 PM
dharma1$25.00$25.006/14/2010 4:02:59 PM
moltopaolo$50.00$50.006/14/2010 4:10:40 PM
koa$50.00$50.006/14/2010 4:05:31 PM
AmericanCredit$25.00$25.006/14/2010 4:07:40 PM
kenji4861$25.00$25.006/14/2010 4:08:06 PM
tntmojave$25.00$25.006/14/2010 4:10:11 PM
simplelender80$100.00$87.966/14/2010 4:11:02 PM
grc$65.49$65.496/15/2010 7:53:12 AM
ToweringDan$50.00$50.006/17/2010 9:47:43 AM
simiray$25.00$25.006/17/2010 3:19:32 PM
Lender0307$25.00$25.006/18/2010 10:44:40 PM
whitebalcony$100.00$100.006/19/2010 8:59:32 AM
lucrative-coin$50.00$50.006/20/2010 9:27:03 AM
usd1027$25.00$25.006/20/2010 4:51:11 PM
PalmerTheEmbalmer$25.00$25.006/20/2010 10:25:35 PM
myidear$25.00$25.006/21/2010 4:21:15 AM
debt-legend$25.00$25.006/21/2010 2:33:20 PM
1SteelerFan$30.00$30.006/21/2010 1:57:24 PM
wild-orange$50.00$50.006/21/2010 3:51:35 PM
65 bids
 
Borrower Payment Dependent Notes Series 462379
This series of Notes was issued and sold upon the funding of the borrower loan #43218, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,900.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $262.39
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $255.65
 
Auction yield range: 3.98% - 11.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1999 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:5y 5m
Credit score: 740-759 (Jun-2010) Total credit lines: 21 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $37,557Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: BankofBadHabits Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 36 ( 100% ) 740-759 (Latest)
Principal borrowed: $27,000.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2007)
740-759 (May-2007)
 
Principal balance: $0.74 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
3rd Prosper Loan - Closing Costs
First of all, I would like to thank everyone that helped in funding 2 loans in 2007 and 2008. The first loan helped me pay off debts accumulated by my ex-wife and the second loan help me purchase a new car. During both of these loans, I kept my promise to be a responsible borrower and paid my loans on time each month and was never late.

Purpose of this loan:

The purpose of this loan is to help us pay the closing costs associated with refinancing our home loan. We will be will be dropping our interest rate on our current home loan from 6.375 to 5.15% with a new home loan, dropping our mortgage payment down about $200 per month. Over the term of the new home loan, we will save close to $70,000 with the new loan.

My financial situation:

I have a stable job which I have been at for the last 5 ? years now and 19 years in my profession. I was the only one in my company who received a promotion and raise within last year. I choose to borrow from Prosper because I personally like the idea of giving the interest that I would be paying to a bank, to people who invest in Prosper borrowers. I currently have 35 active notes myself as a Prosper lender and have seen my share of borrower defaults. I can guarantee you that this is by far the safest loan you can bid on at Prosper. I have had a $7000 loan and a $20,000 loan funded by Prosper lenders in the past and take pride in the fact that I have never been late on any of them.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain why your revolving credit balance is up so much since your last Prosper loan. Thanks and best wishes. - reflective-rupee
A: We have a second mortgage on our home that we used to replace the roof on our house last year and we bought a car for my wife. It's at 5.24% interest. My credit report also still shows me having a loan with Prosper at $6741.00 that has been paid off. Prosper hasn't updated my credit report since Nov. 2009. This is why it is much higher than it should be and has caused my credit score to drop a few points since my last loan. (Jun-22-2010)
Q: Why aren't you rolling the closing costs into the re-fi? - JackinGreen
A: Thanks for your question. I actually did do some homework before requesting this loan, I found that by rolling the closing costs into the re-fi, I would push the loan to value ratio of my home above the 80% mark requiring me to then pay PMI at about $79 more a month, Add in the extra interest over the term of the re-fi, and the Prosper loan comes out to be the better cost savings solution. (Jun-27-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bountiful-durability$50.00$50.006/22/2010 9:57:51 AM
studious-bonus7$50.00$50.006/22/2010 10:03:25 AM
treasure-hunter270$25.00$25.006/22/2010 10:04:19 AM
enthralling-deal180$100.00$100.006/22/2010 10:06:28 AM
orgy63$25.00$25.006/22/2010 9:56:31 AM
orderly-loot$25.00$25.006/22/2010 9:55:38 AM
SNH$50.00$50.006/22/2010 9:58:52 AM
Havana21$25.00$25.006/22/2010 9:57:00 AM
personal-lender$25.00$25.006/22/2010 10:04:22 AM
yield-seeker$25.00$25.006/22/2010 10:04:48 AM
american6$25.00$25.006/22/2010 10:03:42 AM
syounker$25.00$25.006/22/2010 10:06:07 AM
successful-euro$30.00$30.006/22/2010 10:04:54 AM
head$25.00$25.006/22/2010 10:41:47 AM
radforj22$25.00$25.006/22/2010 10:55:10 AM
zaxsan$25.00$25.006/22/2010 2:26:31 PM
Tc11902$50.00$50.006/22/2010 1:00:07 PM
Winsten$50.00$50.006/22/2010 1:24:53 PM
availableloan$25.00$25.006/22/2010 4:09:15 PM
blackstar$25.00$25.006/22/2010 5:51:35 PM
ichibon$75.00$75.006/22/2010 5:51:34 PM
benjamin67$25.00$25.006/22/2010 8:54:37 PM
UT-Longhorn$25.00$25.006/23/2010 7:14:33 AM
selector568$114.08$114.086/23/2010 8:00:08 AM
muzicman$50.00$50.006/23/2010 10:08:24 AM
DadWarbucks$25.00$25.006/23/2010 10:41:36 AM
teller$25.00$25.006/23/2010 4:05:09 PM
commerce-triumph$25.00$25.006/23/2010 10:52:17 AM
apetrock$50.00$50.006/23/2010 11:09:43 AM
mikeandcat$50.00$50.006/23/2010 12:04:32 PM
delicious-social132$25.00$25.006/23/2010 1:16:10 PM
bigphish$25.00$25.006/23/2010 2:29:45 PM
life-is-great$25.00$25.006/23/2010 3:11:03 PM
cash-spark3$25.00$25.006/23/2010 4:04:44 PM
peb44$50.00$50.006/23/2010 4:05:21 PM
Flying_Tilapia$50.00$50.006/23/2010 10:46:31 PM
scratch4you$50.01$50.016/23/2010 4:30:04 PM
ohnezweck$25.00$25.006/23/2010 4:37:22 PM
mmckune$25.00$25.006/24/2010 9:56:46 AM
dreammachine$50.00$50.006/24/2010 9:13:50 AM
LenderByDay$25.00$25.006/24/2010 9:32:46 AM
Clambake$50.00$50.006/24/2010 9:33:46 AM
green-penny-finder$25.00$25.006/24/2010 9:44:24 AM
Sven79$50.00$50.006/24/2010 11:11:42 AM
first-upright-payout$25.00$25.006/24/2010 11:47:14 AM
logical-loyalty0$25.00$25.006/24/2010 2:54:28 PM
get30inc$25.00$25.006/24/2010 9:59:52 PM
Johnab$50.00$50.006/24/2010 7:28:00 PM
the-silver-blaster$40.00$36.256/25/2010 10:20:29 AM
bxdoc$39.61$39.616/25/2010 4:11:08 AM
Dollars4Rent$25.00$25.006/26/2010 11:31:23 AM
investment-cluster$25.00$25.006/27/2010 2:55:12 PM
creative-finance7$25.00$25.006/28/2010 12:32:29 AM
MSBMSB$50.00$50.006/28/2010 11:32:58 AM
ethicalhumanist$25.00$25.006/28/2010 3:45:59 PM
ryan6853$25.00$25.006/28/2010 1:17:05 PM
johndoeProsper$100.00$100.006/28/2010 2:23:03 PM
Bluebanker$100.00$100.006/28/2010 4:12:50 PM
Skiph$25.00$25.006/28/2010 4:40:26 PM
revenue-youngster$25.00$25.006/28/2010 5:56:57 PM
khamlagirl$25.00$25.006/28/2010 8:37:31 PM
hidavehi$88.00$88.006/28/2010 6:59:24 PM
thaceisbac$25.00$25.006/28/2010 9:21:07 PM
Fillinganeed$25.00$25.006/28/2010 10:59:04 PM
Lo0se_mo0se$25.00$25.006/28/2010 9:46:35 PM
billquality$110.35$110.356/28/2010 10:27:41 PM
calilending$36.51$36.516/28/2010 11:26:59 PM
leverage-britches$25.00$25.006/28/2010 9:52:13 PM
manugee$50.00$50.006/29/2010 4:54:33 AM
marshallmanhattan$25.00$25.006/29/2010 6:18:19 AM
CA_Lender$25.00$25.006/29/2010 12:49:22 AM
crw1950$50.00$50.006/29/2010 4:21:08 AM
leverage-monger$25.00$25.006/29/2010 7:33:47 AM
revenue-appraiser$25.91$25.916/29/2010 8:21:35 AM
Spkthewrd3$25.00$25.006/29/2010 9:38:15 AM
JJ-Loans$50.00$50.006/29/2010 9:18:16 AM
RecoveryLender$25.00$25.006/29/2010 9:47:57 AM
the-transaction-stronghold$25.00$25.006/22/2010 9:59:41 AM
hrubinst$25.00$25.006/22/2010 10:03:26 AM
B-rad_the_Coug$25.00$25.006/22/2010 10:05:00 AM
Avala$50.00$50.006/22/2010 10:03:37 AM
riproaringrapids$25.00$25.006/22/2010 10:04:38 AM
bchen78875$25.00$25.006/22/2010 10:05:21 AM
roadster199$25.00$25.006/22/2010 12:40:45 PM
ommcd$25.00$25.006/22/2010 3:41:28 PM
ijspence$25.00$25.006/22/2010 3:10:32 PM
wwwUniversal$25.00$25.006/22/2010 8:54:36 PM
impressive-credit431$200.00$200.006/22/2010 4:56:07 PM
Picopie$50.00$50.006/22/2010 5:04:29 PM
Dan12781$25.00$25.006/23/2010 7:10:46 AM
pavelz$50.00$50.006/22/2010 5:51:36 PM
Aberdeen$400.00$400.006/22/2010 7:15:57 PM
Headhunter14$25.00$25.006/22/2010 8:19:32 PM
Aberdeen$400.00$400.006/22/2010 7:15:58 PM
PersonalBnkr$25.00$25.006/22/2010 8:44:50 PM
MoneyForNothing$59.77$59.776/23/2010 2:41:47 AM
iceberg982362$25.00$25.006/23/2010 11:49:31 AM
FinanceEngine$25.00$25.006/23/2010 9:17:42 AM
Artist_Blue$25.00$25.006/23/2010 9:41:15 AM
Breakfast_Gypsy$25.00$25.006/23/2010 9:39:40 AM
bodascafe$25.00$25.006/23/2010 9:51:06 AM
mcs99$100.00$100.006/23/2010 10:12:07 AM
kmr2$118.05$118.056/23/2010 4:04:01 PM
trustworthy-fairness$50.00$50.006/23/2010 4:04:21 PM
ddog0224$25.00$25.006/23/2010 4:04:42 PM
a-finance-nirvana$25.00$25.006/23/2010 4:05:13 PM
nanda$25.00$25.006/23/2010 1:09:42 PM
fareast_man$25.00$25.006/23/2010 2:29:53 PM
integrity-doctor$100.00$100.006/23/2010 3:09:28 PM
flexible-return297$25.00$25.006/23/2010 4:05:18 PM
new-return-faire$50.00$50.006/23/2010 4:05:27 PM
balanced-bill7$48.04$48.046/23/2010 4:04:45 PM
jchurchi$47.97$47.976/23/2010 6:59:11 PM
benefit-dreams$29.06$29.066/23/2010 8:11:14 PM
Chesterite$100.00$100.006/23/2010 8:11:27 PM
Comoparklender$30.00$30.006/24/2010 8:30:35 AM
Firescreek$25.00$25.006/24/2010 9:37:31 AM
successful-agreement7$50.00$50.006/24/2010 2:25:22 PM
dickfore$25.00$25.006/24/2010 9:42:37 AM
Max8319$25.00$25.006/24/2010 7:24:40 PM
loan-kung-fu$25.00$25.006/24/2010 9:22:44 PM
brazilofmux$88.33$88.336/24/2010 9:24:49 PM
ChoiceInvestments$25.00$25.006/25/2010 12:06:51 AM
puchkoo$50.00$50.006/25/2010 8:50:52 AM
BrighterSuns$25.00$25.006/25/2010 9:09:27 AM
Tradesmanlender$25.00$25.006/25/2010 9:37:42 AM
mammalian4$50.00$50.006/26/2010 12:14:43 PM
Pendruce$25.00$25.006/26/2010 4:13:16 AM
lsx7$250.00$250.006/26/2010 6:54:41 PM
LARRY4NY$25.00$25.006/26/2010 8:03:27 AM
MTGuy$25.00$25.006/26/2010 11:38:18 AM
Boba1964$25.00$25.006/26/2010 11:22:12 PM
JackinGreen$37.84$37.846/27/2010 8:33:17 AM
Toony$25.00$25.006/27/2010 8:48:17 PM
DoctorJoe$25.00$25.006/28/2010 9:39:05 AM
slgilligan$50.00$50.006/27/2010 9:10:29 PM
loanman2007$200.00$200.006/28/2010 5:10:16 AM
ksamba$90.00$90.006/28/2010 11:20:25 AM
bejfishing$25.00$25.006/28/2010 11:36:02 AM
ProModelA$25.00$25.006/28/2010 12:18:48 PM
1phantom$25.00$25.006/28/2010 3:52:57 PM
top-courteous-peso$250.00$250.006/28/2010 12:10:30 PM
StreetJustice$46.00$46.006/28/2010 4:12:55 PM
kevdigital$25.00$25.006/28/2010 4:26:47 PM
newest-bountiful-basis$25.00$25.006/28/2010 4:12:57 PM
mykeystoy$25.00$25.006/28/2010 4:13:19 PM
best-generosity-financier$25.00$25.006/28/2010 6:03:39 PM
Richmp412$25.00$25.006/28/2010 5:14:13 PM
Bunji78$50.00$50.006/28/2010 5:58:37 PM
julijask$35.00$35.006/28/2010 6:39:59 PM
AuroraRobbin$50.00$50.006/28/2010 7:01:43 PM
Planecourage$50.00$50.006/28/2010 9:01:52 PM
MonkeyHero$30.83$30.836/28/2010 7:09:09 PM
intelligent-reward7$28.30$28.306/28/2010 9:16:57 PM
RugbyFan$28.00$28.006/29/2010 4:51:07 AM
credit-panda1$50.00$50.006/29/2010 6:02:25 AM
RecoveryLender$25.00$25.006/29/2010 6:13:14 AM
spotty54$25.00$25.006/29/2010 5:01:54 AM
a-wealth-visionary$50.00$50.006/29/2010 1:41:13 AM
soular21804$25.00$25.006/29/2010 2:52:29 AM
income-lion$25.00$25.006/29/2010 6:43:32 AM
grampy48$25.00$25.006/29/2010 6:44:32 AM
Steffy1976$119.20$119.206/29/2010 6:26:28 AM
martymaniaman$37.89$37.896/29/2010 7:47:15 AM
exact-peso2$25.00$25.006/29/2010 8:08:57 AM
csak13$25.00$25.006/29/2010 8:12:53 AM
Nasdaq$25.00$25.006/29/2010 7:19:36 AM
grabtakeout$70.00$70.006/29/2010 8:55:22 AM
Leopoldine$25.00$25.006/29/2010 7:59:58 AM
169 bids
 
Borrower Payment Dependent Notes Series 462505
This series of Notes was issued and sold upon the funding of the borrower loan #43244, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jun-15-2010 
  Auction end date:  Jun-22-2010 
 
Starting lender yield: 19.06% Starting borrower rate/APR: 20.06% / 23.85% Starting monthly payment: $37.19
Final lender yield: 19.06% Final borrower rate/APR: 20.06% / 23.85% Final monthly payment: $37.19
 
Auction yield range: 7.98% - 19.06% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.12%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1998 Debt/Income ratio: 37%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 14Length of status:13y 11m
Credit score: 660-679 (Jun-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $51,898Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: funds-cluster Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff awful payday loans
Purpose of loan:
This loan will be used to?
?Get caught up !
Monthly net income: $

2,800

Monthly expenses: $
??Housing: $ 1,000
??Insurance: $ 646 --yearly
??Car expenses: $ gas--- 120
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??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: How will you manage your remaining obligations, beyond this payday loan, given your high revolving credit balance? How did you get in this position, and why can you get out? Thanks and best wishes. - reflective-rupee
A: Very good question. Three years ago, my revolving credit use was at 5%. then, I chose to help a family member that had lost his job. Things spiraled with high interest cash advances. At Christmas, I needed xtra cash, and made a VERY poor choice to take a "payday loan". Stupid. Last month, I finally took back control of my finances and am working with a non-profit agency to budget my income. We have also drawn up a contract with my brother-in-law, and he is repaying his debt to me. (Jun-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Moneypenny6$30.00$30.006/16/2010 8:46:20 PM
bluebouyz$25.00$25.006/19/2010 12:03:27 PM
best-listing-toro$25.00$25.006/19/2010 7:14:32 AM
focused-dime8$25.00$25.006/19/2010 7:27:43 AM
1phantom$25.00$25.006/19/2010 11:25:25 AM
mrxtravis$50.00$50.006/21/2010 1:13:09 PM
VAGweilo$50.00$50.006/21/2010 4:43:33 PM
Reliance_Banker$25.00$25.006/21/2010 4:53:59 PM
revenue-youngster$25.00$25.006/21/2010 6:37:52 PM
loanermn$25.00$25.006/21/2010 6:49:35 PM
reflective-rupee$25.00$25.006/21/2010 8:33:38 PM
orange-dollar-guild$30.00$30.006/22/2010 12:53:44 AM
Ven58$25.00$25.006/21/2010 9:49:51 PM
keeper24$25.00$25.006/22/2010 5:41:10 AM
pureliquidhw$25.00$25.006/22/2010 7:04:50 AM
Sol_Invictus$25.00$25.006/21/2010 10:07:56 PM
wwwUniversal$25.00$25.006/22/2010 4:36:24 AM
reflective-rupee$250.00$84.516/22/2010 4:31:42 AM
Investor_83$25.00$25.006/19/2010 2:06:00 PM
nilonc1$50.00$50.006/19/2010 4:23:54 PM
Bank_Of_XL$100.00$100.006/20/2010 9:57:50 AM
GS-ROCK$25.00$25.006/21/2010 10:32:53 AM
mrxtravis$30.49$30.496/21/2010 3:53:54 PM
investment-cluster$25.00$25.006/21/2010 4:12:03 PM
NJournalist$25.00$25.006/21/2010 4:24:17 PM
newstar2000$25.00$25.006/21/2010 9:45:29 PM
intelligent-reward7$25.00$25.006/21/2010 9:24:22 PM
porwestco$25.00$25.006/22/2010 6:15:48 AM
Cambium$25.00$25.006/22/2010 4:53:01 AM
E-B$50.00$50.006/22/2010 3:10:56 AM
30 bids
 
Borrower Payment Dependent Notes Series 462659
This series of Notes was issued and sold upon the funding of the borrower loan #43276, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Jun-16-2010 
  Auction end date:  Jun-23-2010 
 
Starting lender yield: 12.85% Starting borrower rate/APR: 13.85% / 16.01% Starting monthly payment: $170.52
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $170.52
 
Auction yield range: 5.98% - 12.85% 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: Oct-1993 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 11Length of status:7y 1m
Credit score: 740-759 (Jun-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $18,134Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: a-compatible-transparency 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
Used Truck
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Artist_Blue$25.00$25.006/16/2010 4:16:56 PM
american6$25.00$25.006/16/2010 4:20:55 PM
Thylow$25.00$25.006/16/2010 4:19:41 PM
Avala$50.00$50.006/16/2010 4:20:49 PM
Havana21$25.00$25.006/16/2010 4:22:48 PM
Syndication$25.00$25.006/16/2010 5:29:35 PM
SNH$50.00$50.006/16/2010 4:26:15 PM
bchen78875$25.00$25.006/17/2010 1:10:12 AM
delicious-social132$25.00$25.006/17/2010 12:53:19 PM
famous-bill$50.00$50.006/17/2010 5:15:28 AM
peb44$50.00$50.006/17/2010 3:58:18 PM
nunnie$25.00$25.006/17/2010 7:24:47 PM
upbeat-investment9$25.00$25.006/17/2010 7:40:43 PM
riproaringrapids$25.00$25.006/17/2010 7:44:37 PM
teller$25.00$25.006/18/2010 6:54:54 AM
holstj$25.00$25.006/18/2010 11:41:29 AM
careful-benjamins8$50.00$50.006/18/2010 9:42:33 AM
VEZIROGLUA$50.00$50.006/18/2010 10:40:30 AM
bountiful-durability$50.00$50.006/18/2010 2:09:45 PM
yield-seeker$25.00$25.006/18/2010 3:59:53 PM
LenderByDay$25.00$25.006/20/2010 12:59:48 AM
new-social-economist$25.00$25.006/20/2010 10:39:35 PM
jsr73$37.72$37.726/21/2010 3:30:46 AM
j2ee$25.00$25.006/21/2010 7:54:46 AM
justice-clipper$50.00$50.006/21/2010 9:39:53 AM
line6owner$36.00$36.006/21/2010 3:51:42 PM
DadWarbucks$25.00$25.006/21/2010 11:47:02 AM
ElevenHills$25.00$25.006/21/2010 12:28:03 PM
Dahlozer$25.00$25.006/21/2010 12:25:37 PM
gnar$25.00$25.006/21/2010 2:33:14 PM
the-silver-blaster$40.00$40.006/21/2010 4:47:49 PM
dollar-oracle55$25.00$25.006/21/2010 5:00:05 PM
pbo922$25.00$25.006/21/2010 5:01:01 PM
Tradesmanlender$25.00$25.006/21/2010 5:02:58 PM
IIP77$25.00$25.006/21/2010 4:51:41 PM
flexible-value$26.00$26.006/21/2010 5:04:53 PM
Binan$25.00$25.006/21/2010 5:01:05 PM
Sol_Invictus$25.00$25.006/21/2010 6:14:25 PM
biobulator$25.00$25.006/21/2010 5:04:17 PM
somebody32$25.00$25.006/21/2010 5:03:26 PM
lagnisiruk$25.00$25.006/21/2010 5:05:14 PM
Supernick$50.00$50.006/21/2010 5:04:37 PM
omerta6102$29.51$29.516/21/2010 9:53:18 PM
head$25.00$25.006/21/2010 5:10:12 PM
IP$38.67$38.676/21/2010 9:53:26 PM
money2k$25.00$25.006/21/2010 10:09:57 PM
irrelevant$25.00$25.006/22/2010 9:47:55 AM
nikkiesgrandma$50.00$50.006/22/2010 5:34:38 AM
DrStaff$57.05$57.056/22/2010 9:47:00 AM
PHI4308$25.00$25.006/22/2010 9:48:35 AM
enthralling-deal180$100.00$100.006/22/2010 9:35:19 AM
KDW08$25.00$25.006/22/2010 12:56:36 PM
janicewill$25.00$25.006/22/2010 3:51:55 PM
JMJIluss$25.00$25.006/22/2010 4:06:58 PM
iolaire$25.00$25.006/22/2010 4:07:17 PM
sshs$25.00$25.006/22/2010 4:07:19 PM
flexiboy35$25.00$25.006/22/2010 3:52:03 PM
Au-Ag-Pt$25.00$25.006/22/2010 4:05:52 PM
divemaster$25.00$25.006/22/2010 4:06:45 PM
TURNTEX75$25.00$25.006/22/2010 4:06:57 PM
hanuman77$50.00$50.006/22/2010 4:07:00 PM
ElChico124$25.00$25.006/22/2010 3:52:37 PM
yield-lion$25.00$25.006/22/2010 4:07:13 PM
WolRab$25.00$25.006/22/2010 4:05:53 PM
mrkb80$25.00$25.006/22/2010 4:06:46 PM
glalat$25.00$25.006/22/2010 4:06:49 PM
Onesiphorus$25.00$25.006/22/2010 4:06:53 PM
vontuse$25.00$25.006/22/2010 4:07:01 PM
Little_Guy$25.00$25.006/22/2010 4:07:11 PM
bazaar-ruler$25.00$1.626/22/2010 4:07:20 PM
gjm6d$25.00$25.006/22/2010 4:44:58 PM
MattProsper$25.00$25.006/22/2010 5:27:15 PM
bigmoneybags$44.05$44.056/22/2010 5:51:43 PM
the-charming-integrity$25.00$25.006/23/2010 9:19:16 AM
rockhound84$25.00$25.006/23/2010 7:09:47 AM
redrose1518$30.00$30.006/23/2010 8:58:35 AM
patriot384$210.00$210.006/23/2010 1:04:27 PM
rockhound84$25.00$25.006/23/2010 2:43:13 PM
exact-peso2$27.50$27.506/23/2010 10:59:42 AM
vigorous-moola$36.00$36.006/23/2010 1:51:12 PM
studious-bonus7$50.00$50.006/16/2010 4:20:09 PM
treasure-hunter270$25.00$25.006/16/2010 4:21:28 PM
simplelender80$100.00$100.006/16/2010 4:21:34 PM
personal-lender$25.00$25.006/16/2010 4:21:47 PM
orgy63$25.00$25.006/16/2010 4:19:50 PM
hrubinst$25.00$25.006/16/2010 4:20:23 PM
syounker$25.00$25.006/16/2010 4:25:34 PM
orderly-loot$25.00$25.006/16/2010 9:54:56 PM
the-profit-oracle$25.00$25.006/17/2010 1:25:47 AM
successful-euro$30.00$30.006/17/2010 6:45:20 AM
poetic-yield3$25.00$25.006/17/2010 9:34:54 AM
bigdogsafety1$25.00$25.006/17/2010 3:19:51 PM
ichibon$75.00$75.006/18/2010 3:19:45 AM
blackstar$25.00$25.006/18/2010 4:34:41 AM
relentless-penny$25.00$25.006/18/2010 2:51:14 PM
JohnW12$25.00$25.006/19/2010 5:39:43 AM
UT-Longhorn$25.00$25.006/19/2010 6:14:46 AM
life-is-great$25.00$25.006/20/2010 6:54:44 AM
Billfred$25.00$25.006/19/2010 8:40:42 PM
swanseasailor$25.00$25.006/20/2010 3:13:35 AM
whois-JohnGalt$25.00$25.006/20/2010 7:25:26 AM
Aeroman32$25.00$25.006/20/2010 10:50:14 PM
ray1051$25.00$25.006/21/2010 7:26:42 AM
AF-Chief$28.00$28.006/21/2010 8:30:06 AM
cello1$25.00$25.006/21/2010 2:04:39 PM
lend_to_you$25.00$25.006/21/2010 2:32:03 PM
the-transaction-stronghold$25.00$25.006/21/2010 2:33:57 PM
Phantom99$25.00$25.006/21/2010 2:34:05 PM
oskizzle$25.00$25.006/21/2010 3:51:39 PM
DaveG56313$25.00$25.006/21/2010 4:55:28 PM
leftcoast52$25.00$25.006/21/2010 4:59:53 PM
CPAMAN$25.00$25.006/21/2010 5:01:54 PM
phillipd48$25.00$25.006/21/2010 5:02:52 PM
szetowski$25.00$25.006/21/2010 4:55:20 PM
brazilofmux$100.00$100.006/21/2010 5:10:06 PM
mmckune$25.00$25.006/21/2010 5:00:56 PM
Rogue_Funding$25.00$25.006/21/2010 6:21:44 PM
Clambake$50.00$50.006/21/2010 5:09:21 PM
wdove511$25.00$25.006/22/2010 6:50:17 AM
tech310$50.00$50.006/22/2010 12:19:48 AM
zaxsan$25.00$25.006/22/2010 4:24:48 AM
RationalWorld$25.00$25.006/22/2010 9:47:12 AM
ualf$39.08$39.086/22/2010 9:48:16 AM
MrBluesummers$50.00$50.006/22/2010 9:47:50 AM
nodrivelpls$25.00$25.006/22/2010 9:48:27 AM
radforj22$25.00$25.006/22/2010 10:55:16 AM
Winsten$50.00$50.006/22/2010 1:25:02 PM
GREATDEALS$56.38$56.386/22/2010 1:51:02 PM
nildivloans$25.00$25.006/22/2010 1:29:37 PM
bbrelo$25.00$25.006/22/2010 4:06:56 PM
williamdkit$25.00$25.006/22/2010 4:07:15 PM
BerkeleyBonds$25.00$25.006/22/2010 4:07:18 PM
ommcd$25.00$25.006/22/2010 3:41:34 PM
Grandmahoneybee$25.00$25.006/22/2010 5:40:40 PM
Dia_Lucrii$25.00$25.006/22/2010 4:07:00 PM
AKJagMan$25.00$25.006/22/2010 4:07:04 PM
Sam65$25.00$25.006/22/2010 4:07:10 PM
aldeed$25.00$25.006/22/2010 4:07:20 PM
ArkoshKovash$25.00$25.006/22/2010 4:06:48 PM
carlover$25.00$25.006/22/2010 4:06:51 PM
BankofTony$30.00$30.006/22/2010 4:06:55 PM
TEAM-Jasper$25.00$25.006/22/2010 4:07:03 PM
CaboWaboRobo$25.00$25.006/22/2010 4:07:14 PM
best-generosity-financier$25.00$25.006/22/2010 10:57:52 PM
NorthwestLoan1$25.00$25.006/22/2010 5:32:32 PM
Bidwinner08$65.33$65.336/22/2010 8:47:09 PM
lazyeye$25.00$25.006/22/2010 8:52:01 PM
jocephus$62.09$62.096/23/2010 10:31:00 AM
lucrative-coin$50.00$50.006/23/2010 6:57:03 AM
1phantom$25.00$25.006/23/2010 7:24:18 AM
attractive-fund$25.00$25.006/23/2010 11:06:09 AM
calbertrand$25.00$25.006/23/2010 9:12:22 AM
dasbuntenheim$50.00$50.006/23/2010 1:59:22 PM
mammalian4$25.00$25.006/23/2010 2:25:01 PM
154 bids
 
Borrower Payment Dependent Notes Series 462933
This series of Notes was issued and sold upon the funding of the borrower loan #43315, 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:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $80.85
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $80.85
 
Auction yield range: 10.98% - 25.25% 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-1998 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:12y 10m
Credit score: 660-679 (May-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,471Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: virtuous-community2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto repair
Purpose of loan:
This loan will be used to?
The purpose for this loan is to complete some repair's on my car that are badly needed.?
My financial situation:
I am a good candidate for this loan because?
I am?a good candidate for this loan because I?have a very secure job, even in this not so secure market.? I have worked with my current employer for just shy of?14 years.?Additionally, I have taken a second job (seasonal or short term) when needed.? I do whatever is necessary to meet my obligations and responsibilities.? Finally, I?m not a spender, and live a more minimal life style.? I have had some medical issues in the past that have been resolved, but did affect my credit at the time.? I had to have a surgery that was not covered by my medical insurance. ?I took out some loans to pay for the surgery, and unfortunately, I was out of work longer that I anticipated, (1year) was not able to pay back the loans that I took for the surgery. And had to?claim a medical bankruptcy. Did I like that I was unable to pay back the loans and had to claim bankruptcy, no, but in the end, my health was suffering and I needed to have the surgery.
Monthly net income: $
2000.00-2200.00
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 90????
??Car expenses: $ 389
??Utilities: $
??Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 225
Monthly net income: $
2000.00-2200.00
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 90????
??Car expenses: $ 389
??Utilities: $
??Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 225
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 (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: I promise that I will pay this back. NO MATTER WHAT. Getting my car fixed, and my credit card paid off is the most important thing to me right now. I will not default, and am actually hoping to pay this loan off early. Whomever loans me this money, I promise this is the most important goal I have. To make the monthly payment's, and to also make addtl monthly pymts so that I can get this paid off asap. I PROMISE. (Jun-27-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
qwsd12$40.00$40.006/21/2010 3:56:45 PM
Havana21$25.00$25.006/21/2010 3:58:56 PM
simplelender80$50.00$50.006/21/2010 3:57:31 PM
personal-lender$25.00$25.006/21/2010 3:57:06 PM
bountiful-durability$50.00$50.006/21/2010 4:05:03 PM
yield-seeker$25.00$25.006/21/2010 4:06:40 PM
desertoasis$25.00$25.006/21/2010 4:12:37 PM
seisen$50.00$50.006/21/2010 4:17:17 PM
wwwUniversal$25.00$25.006/21/2010 5:10:10 PM
wlm3012$25.00$25.006/21/2010 6:12:09 PM
S-Master$25.00$25.006/21/2010 5:06:36 PM
SolarMoonshine$25.00$25.006/22/2010 9:54:52 AM
AlexTrep$25.00$25.006/24/2010 10:54:34 AM
Ambassador$25.00$25.006/24/2010 8:23:32 PM
Wachocia$25.00$25.006/25/2010 7:09:38 AM
marwadi-62$25.00$25.006/25/2010 11:53:42 AM
ethicalhumanist$25.00$25.006/25/2010 4:55:05 PM
Reliance_Banker$25.00$25.006/25/2010 6:50:02 PM
zone6$100.00$100.006/25/2010 6:39:22 PM
changger$50.00$50.006/26/2010 3:36:01 PM
social-zebra$25.00$25.006/26/2010 10:38:18 AM
Bob450$25.00$25.006/26/2010 2:41:17 PM
lsx7$100.00$100.006/26/2010 6:50:01 PM
MrRooster101$25.00$25.006/27/2010 7:41:08 AM
GS-ROCK$25.00$25.006/27/2010 9:15:29 AM
jybank$25.00$25.006/27/2010 2:08:53 PM
Leshan$100.00$100.006/28/2010 7:58:23 AM
LeoBUSIIT$25.00$25.006/28/2010 1:53:46 PM
Engineer44$30.00$30.006/28/2010 3:54:48 PM
dudebrah$25.00$25.006/28/2010 1:46:32 PM
top-historic-peso$26.00$26.006/21/2010 3:56:57 PM
orderly-leverage$30.00$30.006/21/2010 3:57:00 PM
MADAOO7$50.00$50.006/21/2010 3:57:38 PM
greenwell$25.00$25.006/21/2010 4:02:05 PM
cash-spark3$50.00$50.006/21/2010 3:56:41 PM
SNH$50.00$50.006/21/2010 3:56:52 PM
bid-czar8$100.00$100.006/21/2010 3:59:49 PM
burrito6$25.00$1.786/21/2010 4:19:29 PM
riproaringrapids$25.00$25.006/21/2010 4:03:54 PM
relentless-penny$25.00$25.006/21/2010 4:05:13 PM
life-is-great$25.00$25.006/21/2010 4:16:34 PM
daekpon$25.00$25.006/21/2010 4:43:31 PM
green-thoughtful-yield$50.00$50.006/21/2010 5:02:45 PM
transaction-circuit$25.00$25.006/21/2010 5:07:13 PM
market-pudding$25.00$25.006/22/2010 5:50:56 PM
squarebob$25.00$25.006/24/2010 10:51:40 AM
tolerant-diversification4$25.00$25.006/24/2010 9:12:44 PM
top-courteous-peso$25.00$25.006/25/2010 5:30:31 AM
mckhbnpc$30.00$30.006/26/2010 11:23:10 AM
Pu239$60.00$60.006/26/2010 7:21:24 AM
duty-monger$50.00$50.006/28/2010 4:13:29 AM
Red-Bull-One$25.00$25.006/28/2010 11:43:51 AM
TFAD72$25.00$25.006/28/2010 1:53:33 PM
social-zebra$25.00$25.006/28/2010 2:58:41 PM
revenue-appraiser$57.22$57.226/28/2010 3:31:45 PM
goodhearted-basis4$25.00$25.006/28/2010 3:45:52 PM
56 bids
 
Borrower Payment Dependent Notes Series 463241
This series of Notes was issued and sold upon the funding of the borrower loan #43253, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $109.14
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $109.14
 
Auction yield range: 10.98% - 25.25% 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: Mar-1996 Debt/Income ratio: 14%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:16y 11m
Credit score: 660-679 (Jun-2010) Total credit lines: 16 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $7,521Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: glowing-pound7 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
Helping With Baby Expenses
Purpose of loan:
This loan will be used to Pay down credit card debts, much of which I have accumulated taking care of my first child.?He?was born premature and had to spend his first six weeks in the hospital. It was a very difficult time for my wife and I, but we pulled through and now are enjoying our new life with our wonderful son.

My financial situation:
I am a good candidate for this loan because?I have?worked for the same?employer for almost?17 years. My wife?has also?returned to work so?our income will?soon be returning to normal. I?also?take great pride in paying my bills?on time.

Monthly net income: $2400

Monthly expenses: $
??Housing: $400?
??Insurance: $100
??Car expenses: $ 50
??Utilities: $50
??Phone, cable, internet: $ 50
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 240
??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: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: I am saddened to hear that you have been strickened by those who would betray your trust. To me, because this is a loan coming from real people to aid people like me in their time of need, paying back this loan is more than a promise, it is a solemn oath and a sacred trust. I was raised by my parents instilled with the notion, from what now seems a bygone age, that a handshake and a man's word were golden, as concrete as any written contract. I give you my word now and ask for your trust. (Jun-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
simplelender80$50.00$50.006/21/2010 3:57:30 PM
MADAOO7$50.00$50.006/21/2010 3:57:36 PM
famous-bill$50.00$50.006/21/2010 4:02:15 PM
reflective-rupee$2,500.00$115.006/21/2010 4:11:42 PM
Havana21$25.00$25.006/21/2010 3:58:55 PM
washboard1$100.00$100.006/21/2010 4:01:03 PM
greenwell$25.00$25.006/21/2010 4:02:07 PM
Helenska11$25.00$25.006/21/2010 4:08:43 PM
uncleegg$50.00$50.006/21/2010 4:09:11 PM
wwwUniversal$25.00$25.006/21/2010 4:23:33 PM
green-thoughtful-yield$50.00$50.006/21/2010 8:19:49 PM
mamasbeachhouse$100.00$100.006/22/2010 5:10:30 PM
brightest-dignified-penny$25.00$25.006/22/2010 4:13:53 PM
squarebob$25.00$25.006/24/2010 11:02:17 AM
golffish2$100.00$100.006/24/2010 11:46:04 AM
top-courteous-peso$25.00$25.006/25/2010 5:30:33 AM
revenue-youngster$25.00$25.006/25/2010 4:41:50 AM
the-dynamic-marketplace$25.00$25.006/25/2010 12:52:14 PM
leverage-monger$25.00$25.006/26/2010 9:46:47 AM
golffish2$100.00$100.006/26/2010 7:12:23 AM
Ambassador$50.00$50.006/27/2010 5:06:05 AM
jamiee73$25.00$25.006/27/2010 7:49:43 AM
GS-ROCK$25.00$25.006/27/2010 9:16:16 AM
4mydaughterseducation$25.00$25.006/27/2010 7:55:03 PM
HomerdohNY$25.00$25.006/28/2010 6:53:47 AM
genuine-money$50.00$50.006/28/2010 10:27:06 AM
Red-Bull-One$25.00$25.006/28/2010 11:45:21 AM
ColoradoLender82$25.00$25.006/28/2010 11:05:15 AM
Whipster$25.00$25.006/28/2010 2:54:41 PM
shrewd-income$50.00$50.006/28/2010 2:28:04 PM
bountiful-durability$50.00$50.006/21/2010 4:05:00 PM
yield-seeker$25.00$25.006/21/2010 4:06:38 PM
bid-czar8$100.00$100.006/21/2010 3:59:45 PM
riproaringrapids$25.00$25.006/21/2010 4:03:52 PM
relentless-penny$25.00$25.006/21/2010 4:05:11 PM
S-Master$25.00$25.006/21/2010 5:06:33 PM
wlm3012$25.00$25.006/21/2010 6:13:42 PM
mlj0671$25.00$25.006/23/2010 11:25:41 AM
proton346$25.00$25.006/23/2010 11:45:59 PM
squarebob$25.00$25.006/24/2010 11:02:42 AM
squarebob$25.00$25.006/24/2010 11:02:56 AM
AlexTrep$25.00$25.006/24/2010 5:01:40 PM
blissful-gain$25.00$25.006/25/2010 8:36:06 AM
mckhbnpc$30.00$30.006/26/2010 11:27:01 AM
mammalian4$50.00$50.006/26/2010 11:10:54 AM
wlm3012$25.00$25.006/26/2010 11:17:22 AM
worldly-gold$50.00$50.006/26/2010 8:04:56 PM
Bob450$30.00$30.006/27/2010 9:06:01 PM
jybank$25.00$25.006/27/2010 2:11:35 PM
Wachocia$25.00$25.006/28/2010 6:25:44 AM
zone6$200.00$200.006/27/2010 5:56:50 PM
patriot384$70.00$70.006/28/2010 6:28:45 AM
reflective-rupee$25.00$25.006/28/2010 10:13:48 AM
Leshan$25.00$25.006/28/2010 8:02:51 AM
DasMula$25.00$25.006/28/2010 1:06:51 PM
Engineer44$30.00$30.006/28/2010 3:55:47 PM
dudebrah$25.00$25.006/28/2010 1:48:42 PM
ultimate-peace$300.00$300.006/28/2010 3:06:55 PM
58 bids
 
Borrower Payment Dependent Notes Series 463561
This series of Notes was issued and sold upon the funding of the borrower loan #43241, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $220.32
Final lender yield: 7.30% Final borrower rate/APR: 8.30% / 8.64% Final monthly payment: $220.32
 
Auction yield range: 2.98% - 7.30% 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: Mar-1993 Debt/Income ratio: 14%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:5y 3m
Credit score: 820-839 (Jun-2010) Total credit lines: 26 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $14,706Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: funds-vista5 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Card
Purpose of loan:
This loan will be used to pay off a credit card.

My financial situation:
I am a good candidate for this loan because I am able to make this monthly payment.? I have a stable job and income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
StocksMan$50.00$50.006/29/2010 9:49:32 AM
tbrnet$50.00$50.006/22/2010 9:55:26 AM
successful-euro$50.00$50.006/22/2010 9:56:05 AM
skvat$25.00$25.006/22/2010 9:56:44 AM
power-defender7$40.00$40.006/22/2010 9:57:08 AM
FlexFunding$100.00$100.006/22/2010 9:58:07 AM
Global2010$50.00$50.006/22/2010 9:59:21 AM
cyberie21$50.00$50.006/22/2010 9:59:23 AM
orgy63$25.00$25.006/22/2010 10:03:06 AM
mlopez2007$25.00$25.006/22/2010 10:03:11 AM
surfhoss644$50.00$50.006/22/2010 10:06:17 AM
Railbird$25.00$25.006/22/2010 10:06:30 AM
flexible-value$28.00$28.006/22/2010 9:56:26 AM
Tc11902$25.00$25.006/22/2010 9:57:22 AM
bountiful-durability$100.00$100.006/22/2010 9:58:04 AM
midifool$25.00$25.006/22/2010 9:55:41 AM
bowdish1$29.51$29.516/22/2010 10:50:31 AM
hookUup$25.00$25.006/22/2010 9:58:23 AM
kenji4861$25.00$25.006/22/2010 9:56:10 AM
smloanbigresult$25.00$25.006/22/2010 11:19:52 AM
credit-investor5$100.00$100.006/22/2010 9:58:38 AM
108lender$27.80$27.806/22/2010 11:20:30 AM
Artist_Blue$25.00$25.006/22/2010 11:20:38 AM
elasermd$50.00$50.006/22/2010 9:59:27 AM
delicious-social132$25.00$25.006/22/2010 9:57:33 AM
Ivan2007$25.00$25.006/22/2010 10:00:33 AM
turbospeed$25.00$25.006/22/2010 9:58:16 AM
tekkie2412$25.00$25.006/22/2010 9:58:39 AM
loot-heart$50.00$50.006/22/2010 10:02:52 AM
SNH$50.00$50.006/22/2010 10:03:07 AM
alexstar$25.00$25.006/22/2010 10:03:15 AM
ThomasC$25.00$25.006/22/2010 9:59:46 AM
murren$25.00$25.006/22/2010 9:59:51 AM
treasure-hunter270$25.00$25.006/22/2010 10:03:08 AM
tntmojave$25.00$25.006/22/2010 10:03:18 AM
tenacious-payout$25.00$25.006/22/2010 10:05:15 AM
Int_PrinRateTime4000$26.56$26.566/22/2010 10:10:11 AM
Divot$25.00$25.006/22/2010 10:05:57 AM
syounker$25.00$25.006/22/2010 10:06:08 AM
Mint_Man$25.00$25.006/22/2010 10:34:29 AM
a-wealth-visionary$25.00$25.006/22/2010 10:41:36 AM
radforj22$50.00$50.006/22/2010 10:54:57 AM
peso-windmill$32.28$32.286/22/2010 11:49:29 AM
eighttone$25.00$25.006/22/2010 2:59:51 PM
cello1$25.00$25.006/22/2010 3:00:02 PM
bds9646$26.00$26.006/22/2010 3:00:09 PM
Ananya$27.99$27.996/22/2010 3:00:16 PM
godspeed237$25.00$25.006/22/2010 3:00:25 PM
fxsrider$25.00$25.006/22/2010 3:00:29 PM
tylerfd$25.00$25.006/22/2010 3:00:32 PM
CASHGIRL$50.00$50.006/22/2010 3:00:38 PM
LittleTiny$25.00$25.006/22/2010 3:00:44 PM
1fortheroad$25.00$25.006/22/2010 3:00:50 PM
tender-integrity3$50.00$50.006/22/2010 1:00:50 PM
Northsider$27.64$27.646/22/2010 1:49:51 PM
sf-funder$25.00$25.006/22/2010 2:04:56 PM
calkidd05$25.00$25.006/22/2010 2:34:58 PM
life-is-great$25.00$25.006/22/2010 2:59:49 PM
wdove511$30.00$30.006/22/2010 3:00:04 PM
value-pouch$29.74$29.746/22/2010 3:00:08 PM
david5000$50.00$50.006/22/2010 3:00:19 PM
capital-mover7$25.00$25.006/22/2010 3:00:26 PM
Steveoo1$25.00$25.006/22/2010 3:00:39 PM
p2p_banker$25.00$25.006/22/2010 3:00:44 PM
kcole10$25.00$25.006/22/2010 3:00:46 PM
Walkingcowboy$25.00$25.006/22/2010 3:00:48 PM
nevetsnosliw1$25.26$25.266/22/2010 3:00:55 PM
lend_to_you$25.00$25.006/22/2010 2:59:47 PM
hawaiiangirl76$25.00$25.006/22/2010 2:59:56 PM
fireboss$25.00$25.006/22/2010 3:00:05 PM
important-ore$100.00$100.006/22/2010 3:00:12 PM
nestegg4e$25.00$25.006/22/2010 3:00:22 PM
Ranch88$50.00$50.006/22/2010 3:00:27 PM
Tai$25.00$25.006/22/2010 3:00:42 PM
pathfinder1027$25.00$25.006/22/2010 3:00:49 PM
HenryK7$25.00$25.006/22/2010 4:08:38 PM
wwwUniversal$25.00$25.006/22/2010 4:46:00 PM
dollarboy$25.00$25.006/23/2010 6:24:00 AM
octoberfresh$25.00$25.006/23/2010 7:04:58 AM
Kelor99$25.00$25.006/22/2010 8:35:36 PM
blot44$25.00$25.006/22/2010 8:52:15 PM
ijspence$25.00$25.006/23/2010 11:19:31 AM
jchurchi$70.00$70.006/23/2010 7:01:42 PM
TomDalonajay$25.00$25.006/23/2010 4:36:08 PM
dontletmoneyfoolya$50.00$50.006/23/2010 7:45:22 PM
Tc11902$50.00$50.006/24/2010 6:56:18 AM
Sven79$50.00$50.006/24/2010 11:11:44 AM
RandyL3$25.00$25.006/24/2010 4:23:50 PM
gsp1885$27.00$27.006/25/2010 11:02:50 AM
LawyerLoan$25.00$25.006/25/2010 1:47:18 PM
socal-lender$25.00$25.006/27/2010 10:02:35 PM
dma1206$25.00$25.006/28/2010 5:11:51 PM
fair_rates$25.00$25.006/29/2010 12:04:32 AM
dmitriy2$25.00$25.006/29/2010 8:32:10 AM
Pollack$50.00$50.006/29/2010 8:45:39 AM
scientists$25.00$25.006/29/2010 9:04:51 AM
lloyd_s$25.00$25.006/22/2010 9:55:55 AM
Havana21$25.00$25.006/22/2010 9:56:54 AM
red-trade-cologne$25.00$25.006/22/2010 9:57:24 AM
relentless-penny$50.00$50.006/22/2010 9:58:02 AM
point-zebra$25.00$25.006/22/2010 9:58:08 AM
yield-seeker$25.00$25.006/22/2010 9:58:10 AM
szetowski$25.00$25.006/22/2010 9:58:29 AM
mrbanker$100.00$100.006/22/2010 9:59:10 AM
quirky$25.00$25.006/22/2010 9:59:25 AM
the-transaction-stronghold$50.00$50.006/22/2010 9:59:32 AM
bchen78875$50.00$50.006/22/2010 10:02:33 AM
gigabit$50.00$50.006/22/2010 10:05:03 AM
tech310$50.00$50.006/22/2010 10:05:30 AM
DeltaComputerGuy$25.00$25.006/22/2010 10:10:24 AM
american6$50.00$50.006/22/2010 9:56:23 AM
ethicalhumanist$25.00$25.006/22/2010 9:56:42 AM
mla$25.00$25.006/22/2010 10:41:28 AM
fair-funds$25.00$25.006/22/2010 9:57:16 AM
UT-Longhorn$25.00$25.006/22/2010 9:58:26 AM
riproaringrapids$25.00$25.006/22/2010 9:56:07 AM
simplelender80$100.00$100.006/22/2010 9:58:31 AM
dharma1$25.00$25.006/22/2010 9:56:12 AM
gojackgo$50.00$50.006/22/2010 9:58:33 AM
revenue-officer36$25.00$25.006/22/2010 11:19:58 AM
jangalt$72.00$72.006/22/2010 9:58:59 AM
personal-lender$25.00$25.006/22/2010 9:57:15 AM
investment-network$25.00$25.006/22/2010 10:02:50 AM
JKEnterprises$25.00$25.006/22/2010 12:25:26 PM
interest-jedi0$50.00$50.006/22/2010 10:03:16 AM
inspired-contract9$50.00$50.006/22/2010 10:05:07 AM
pavelz$34.75$34.756/22/2010 10:05:10 AM
Binan$25.00$25.006/22/2010 10:05:28 AM
head$25.00$25.006/22/2010 10:05:44 AM
Rdodson11$25.00$25.006/22/2010 10:05:11 AM
zaxsan$25.00$25.006/22/2010 10:05:51 AM
Jassi$25.00$25.006/22/2010 10:06:21 AM
samo102us$25.00$25.006/22/2010 10:50:27 AM
heroic-platinum$25.00$25.006/22/2010 11:45:48 AM
dinero-oasis$25.00$25.006/22/2010 12:00:16 PM
basis-daydream$50.00$50.006/22/2010 2:59:51 PM
zenchef$25.00$25.006/22/2010 3:00:03 PM
sarahsophie$50.00$50.006/22/2010 3:00:10 PM
Velocity_Lenders$50.00$50.006/22/2010 3:00:18 PM
jjb3$25.00$25.006/22/2010 3:00:28 PM
blissful-note7$25.00$25.006/22/2010 3:00:30 PM
nonukem$25.00$25.006/22/2010 12:29:28 PM
HunterSix$25.00$25.006/22/2010 3:00:33 PM
BayShell$50.00$50.006/22/2010 3:00:38 PM
iflyforfun$25.00$25.006/22/2010 3:00:49 PM
Pasagam$25.00$25.006/22/2010 3:00:55 PM
teller$25.73$25.736/22/2010 12:52:38 PM
conductor146$25.00$25.006/22/2010 1:05:14 PM
upc_tnt$25.00$25.006/22/2010 1:44:31 PM
intrepid-transaction5$25.00$25.006/22/2010 2:59:52 PM
bigballer105$50.00$50.006/22/2010 2:59:54 PM
impressive-credit431$500.00$500.006/22/2010 3:00:00 PM
point-shooter$25.00$25.006/22/2010 3:00:17 PM
SunsetCoastCapital$25.00$25.006/22/2010 3:00:29 PM
AJSinvest$25.00$25.006/22/2010 3:00:31 PM
Merganser$25.00$25.006/22/2010 3:00:41 PM
hogdriver$25.00$25.006/22/2010 3:00:45 PM
roccofox$27.56$27.566/22/2010 3:00:47 PM
top-payout-fixer$25.00$25.006/22/2010 3:00:52 PM
RG$35.00$35.006/22/2010 2:59:41 PM
alpinaut$25.00$25.006/22/2010 2:59:46 PM
GrommetPosse$25.00$25.006/22/2010 2:59:50 PM
phillipd48$25.00$25.006/22/2010 3:00:01 PM
AndrewNikolas$25.00$25.006/22/2010 3:00:11 PM
actuarial_investor$25.00$25.006/22/2010 3:00:18 PM
oskizzle$25.00$25.006/22/2010 3:00:24 PM
kegs$33.99$33.996/22/2010 3:00:32 PM
suburbanman64$35.00$35.006/22/2010 3:00:37 PM
panegryst$25.00$25.006/22/2010 3:00:45 PM
MONEYLENDER101$40.81$40.816/22/2010 3:00:51 PM
baci99$25.00$4.606/22/2010 3:00:56 PM
all_of_that_one$25.00$25.006/23/2010 6:12:08 AM
giovani$25.00$25.006/23/2010 5:13:53 PM
Bank_Of_XL$50.00$50.006/24/2010 3:06:47 PM
Money_Hog$25.00$25.006/25/2010 2:51:23 PM
systematic-trade$34.66$34.666/25/2010 1:19:17 PM
felicity-loyalist0$30.00$30.006/25/2010 6:00:25 PM
Dollars4Rent$25.00$25.006/26/2010 11:34:06 AM
top-courteous-peso$250.00$250.006/28/2010 12:10:32 PM
kevdigital$41.68$41.686/28/2010 4:28:23 PM
best-generosity-financier$25.00$25.006/28/2010 6:05:45 PM
HappyToLoan$30.00$30.006/28/2010 6:19:52 PM
bankojerry$25.00$25.006/28/2010 5:17:42 PM
bouvierchamp$37.75$37.756/28/2010 11:49:13 PM
Patrician$32.01$32.016/28/2010 11:51:20 PM
Charmart$25.00$25.006/29/2010 2:57:54 AM
jwood3030$34.18$34.186/29/2010 12:05:15 AM
rce1964$25.00$25.006/29/2010 12:05:43 AM
scloans$27.50$27.506/29/2010 2:24:11 AM
Richmp412$25.00$25.006/29/2010 6:32:54 AM
Banker3119$25.00$25.006/29/2010 5:02:28 AM
191 bids
 
Borrower Payment Dependent Notes Series 463729
This series of Notes was issued and sold upon the funding of the borrower loan #43247, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-23-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $173.33
Final lender yield: 14.00% Final borrower rate/APR: 15.00% / 17.17% Final monthly payment: $173.33
 
Auction yield range: 3.98% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
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-1969 Debt/Income ratio: 26%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 18 / 12Length of status:1y 10m
Credit score: 700-719 (Jun-2010) Total credit lines: 61 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $104,285Stated 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: paulpk Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 96% ) 700-719 (Latest)
Principal borrowed: $3,500.00< 31 days late: 1 ( 4% )  
700-719 (Feb-2008)
 
Principal balance: $934.32 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Debt Retirement
Purpose of loan: I was an earlier beneficiary of Prosper and have been extremely pleased with the experience. I am interested in borrowing another $5,000 to pay down some higher interest debt.


My financial situation:
This is the second time I have applied for a peer loan through Prosper, and I think this is a fantastic system. My repayment history on my first loan has been nearly perfect - with one small glitch that happened while I was out of town - and it's my intention to maintain that record. When I took out my last loan I was self-employed with a reliable income stream. Currently I have a traditional job and am earning about 10% more than before.

Monthly net income: $ $7,200

Monthly expenses: $
??Housing: $ 3,000
??Insurance: $ 200
??Car expenses: $500
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 250
??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: Please explain your very high revolving debt level. Thanks and best wishes. - reflective-rupee
A: Hi, and thanks for that question. I'm not entirely sure how Prosper came up with that number. My revolving debt balances are not nearly that high. In fact, if you look at my debt-to-income ratio, they show it at 26% -- which makes more sense to me. My utlization rate IS high, in reality. That's just because I have chosen to pay down credit lines sequentially, and then cancel them. I know that's not the recommended way to do it, but I feel better when I pay something off and then eliminate it. (Jun-23-2010)
Q: If the revolving debt listed is incorrect...what is the right number? and Do you have a second mortgage on your home (and if so, how much/ interest)? Thanks, and Good Luck! - proton346
A: The correct number is closer to $40K. I do have a second, and the carrying cost for it is included in my monthly housing expense. I pay about 5 3/4 on it. (Jun-24-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
cfarther$25.00$25.006/23/2010 4:12:57 PM
butlerpossible$25.00$25.006/23/2010 4:11:08 PM
B-rad_the_Coug$25.00$25.006/23/2010 4:23:27 PM
silverloan$50.00$50.006/23/2010 4:12:53 PM
WealthBoy$25.00$25.006/23/2010 4:12:30 PM
income-fortress$25.00$25.006/23/2010 4:20:14 PM
Bski745$25.00$25.006/23/2010 10:01:56 PM
Jester8967$45.00$45.006/23/2010 4:24:19 PM
dontletmoneyfoolya$50.00$50.006/23/2010 7:45:25 PM
MasterKey$25.00$25.006/24/2010 9:53:44 AM
Stavros$69.24$69.246/24/2010 9:48:06 PM
wkeboarder21$50.00$50.006/24/2010 10:41:38 PM
Lender_1972$25.00$25.006/25/2010 9:50:01 AM
verdiprr$125.00$125.006/26/2010 8:33:21 AM
Galdis$25.00$25.006/27/2010 8:20:57 AM
afm$100.00$100.006/27/2010 10:30:18 AM
wwwUniversal$25.00$25.006/28/2010 9:48:35 AM
minista$25.00$25.006/28/2010 9:48:51 AM
liberty-equilibrium$41.73$41.736/27/2010 11:56:14 PM
REBizGuy$27.18$27.186/27/2010 11:59:22 PM
xlch$25.00$25.006/28/2010 4:44:18 AM
OldManP$25.00$25.006/28/2010 9:34:36 AM
reflective-rupee$3,000.00$2,073.406/28/2010 9:47:58 AM
FjLenders$50.03$50.036/28/2010 9:55:48 AM
puchkoo$50.00$50.006/28/2010 10:24:10 AM
loot-motion$25.00$25.006/28/2010 10:16:48 AM
powerful-greenback2$25.00$25.006/28/2010 10:26:54 AM
the-auction-lotus$25.00$25.006/28/2010 12:29:47 PM
BrighterSuns$25.00$25.006/28/2010 1:28:17 PM
hydrolucid$25.00$25.006/28/2010 11:44:00 AM
forthright-principal2$25.00$25.006/28/2010 12:24:32 PM
reflective-rupee$25.00$25.006/28/2010 12:45:53 PM
mgking007$25.00$25.006/28/2010 12:56:56 PM
3_boyz$25.00$25.006/28/2010 3:15:37 PM
justinology$31.99$31.996/28/2010 3:58:14 PM
Rattlehead$75.00$75.006/23/2010 4:13:00 PM
inforapenny$25.00$25.006/23/2010 4:13:43 PM
rate-mogul$50.00$50.006/23/2010 4:17:52 PM
loanermn$25.00$25.006/23/2010 4:24:22 PM
rockhound84$25.00$25.006/24/2010 6:59:55 AM
sshgfwb$25.00$25.006/24/2010 11:46:42 AM
Uylsses$100.00$100.006/24/2010 9:34:06 AM
DeltaComputerGuy$25.19$25.196/24/2010 9:44:55 AM
reflective-rupee$25.00$25.006/24/2010 9:52:35 AM
colospgs$25.00$25.006/24/2010 10:10:10 AM
silver-halo3$100.00$100.006/24/2010 11:22:23 AM
Bank_Of_XL$25.00$25.006/24/2010 3:08:56 PM
ore-leather$25.00$25.006/24/2010 9:03:40 PM
leverage-oasis$25.00$25.006/24/2010 5:01:52 PM
Jabez$25.00$25.006/25/2010 5:34:26 AM
ChoiceInvestments$25.00$25.006/25/2010 12:01:05 AM
top-courteous-peso$80.00$80.006/25/2010 5:30:49 AM
friendly-market5$25.00$25.006/25/2010 6:04:56 AM
smart-gain$50.00$50.006/25/2010 4:40:49 PM
chibear34$25.00$25.006/25/2010 10:59:23 AM
johndoeProsper$100.00$100.006/25/2010 11:31:24 AM
NJournalist$25.00$25.006/25/2010 5:06:48 PM
lucrative-loan$25.00$25.006/25/2010 11:37:55 PM
seth70810$75.00$75.006/26/2010 2:22:19 AM
JackinGreen$75.00$75.006/26/2010 6:10:50 AM
supreme-hope$25.00$25.006/26/2010 6:25:22 AM
benevolent-benefit$25.00$25.006/26/2010 12:46:45 PM
auction-seeker$25.00$25.006/26/2010 7:51:34 PM
selector568$26.16$26.166/26/2010 11:45:17 PM
FinDoc$25.00$25.006/27/2010 4:54:25 AM
Scottio$25.00$25.006/27/2010 6:42:32 AM
lukeskywalkerkp$25.00$25.006/27/2010 8:45:49 AM
BoughtTheFarm$25.00$25.006/28/2010 9:48:19 AM
DiabolicalGamer$25.00$25.006/28/2010 9:48:36 AM
Josphine$25.00$25.006/28/2010 6:50:07 AM
calbertrand$25.00$25.006/28/2010 10:28:47 AM
shortblondemark$25.00$25.006/28/2010 9:55:06 AM
tender-integrity3$50.00$50.006/28/2010 9:47:14 AM
mcs99$50.00$50.006/28/2010 11:44:23 AM
Rustang$50.00$50.006/28/2010 10:58:54 AM
AY_RY$28.15$28.156/28/2010 12:26:31 PM
JTHarris$25.00$25.006/28/2010 12:42:55 PM
mosby$26.93$26.936/28/2010 1:44:33 PM
Rabid_Dove$25.00$25.006/28/2010 1:55:14 PM
buffalobills$25.00$25.006/28/2010 2:22:01 PM
80 bids
 
Borrower Payment Dependent Notes Series 464055
This series of Notes was issued and sold upon the funding of the borrower loan #43291, 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:  Jun-24-2010 
  Auction end date:  Jun-26-2010 
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $204.80
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $204.80
 
Auction yield range: 10.98% - 26.25% 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: Sep-2003 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:4y 7m
Credit score: 720-739 (Jun-2010) Total credit lines: 13 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $5,783Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: barreler247 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
Attorney to Fight for Custody
Purpose of loan:
This loan will be used to fight for Custody of my kids

My financial situation:
I am a good candidate for this loan because I have a very stable job and I have longevity at it

Monthly net income: $ 2824????

Monthly expenses: $
??Housing: $ 1186.04
??Insurance: $ 86
??Car expenses: $ 412
??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: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: I promise to pay back this loan. I have a great credit score with no defaults on my credit and plan to keep it that way. I am currently applying to the police force and have to keep my credit in line to do so. I hope that is a good enough promise for you. As I have a lot riding on this as well. I could lose a job if I go into default and if I don't get the loan I could lose my children. (Jun-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$28.00$28.006/24/2010 3:52:01 PM
orderly-leverage$30.00$30.006/24/2010 3:58:01 PM
brightest-asset-healer$25.00$25.006/24/2010 4:20:15 PM
stock106$25.00$25.006/24/2010 4:23:48 PM
Havana21$25.00$25.006/24/2010 3:57:32 PM
relentless-penny$25.00$25.006/24/2010 3:57:41 PM
IntrepidInvestment$50.00$50.006/24/2010 3:57:47 PM
Comoparklender$25.00$25.006/24/2010 3:58:15 PM
ommcd$25.00$25.006/24/2010 3:58:21 PM
famous-bill$50.00$50.006/24/2010 3:59:49 PM
reflective-rupee$25.00$25.006/24/2010 4:00:19 PM
orderly-loot$25.00$25.006/24/2010 4:00:55 PM
green-thoughtful-yield$50.00$50.006/24/2010 9:35:07 PM
brother_tam$50.00$50.006/24/2010 9:38:10 PM
mydreamsagain$25.00$25.006/24/2010 9:49:21 PM
credit-wheel7$25.00$25.006/25/2010 4:04:32 AM
What-goes-around-comes-around$25.00$25.006/25/2010 5:14:27 AM
Artist_Blue$25.00$25.006/25/2010 7:09:35 AM
loot-heart$50.00$50.006/25/2010 7:09:39 AM
blazing-money$25.00$25.006/25/2010 9:34:37 AM
HHP$25.00$25.006/24/2010 9:34:25 PM
fund-web3$25.00$25.006/25/2010 9:34:56 AM
Malkial$25.00$25.006/24/2010 9:46:08 PM
m3498$25.00$25.006/25/2010 9:36:09 AM
tkr2$25.00$25.006/24/2010 9:48:10 PM
87Marc$25.00$25.006/25/2010 9:36:43 AM
dedicated-diversification5$26.72$26.726/24/2010 9:49:19 PM
benefit-squirrel$25.00$25.006/24/2010 9:50:12 PM
treasure-bliss$54.30$54.306/24/2010 9:49:24 PM
jonbozeman$25.00$25.006/25/2010 9:37:38 AM
bountiful-durability$50.00$50.006/24/2010 10:39:25 PM
mercuriant$25.00$25.006/25/2010 4:04:39 AM
MoneyLender72$28.23$28.236/25/2010 5:34:28 AM
Uylsses$100.00$100.006/25/2010 6:27:52 AM
top-historic-peso$26.00$26.006/25/2010 6:29:35 AM
qwsd12$40.00$40.006/25/2010 7:09:43 AM
orange-preeminant-bill$63.01$63.016/25/2010 9:14:45 AM
371millwood$300.00$300.006/25/2010 9:15:49 AM
CapeDollars$25.00$25.006/25/2010 9:36:28 AM
cloud8$25.00$25.006/25/2010 10:19:50 AM
SeaSoundFinancier$25.00$25.006/25/2010 10:50:27 AM
Georgia_Boy$25.00$25.006/25/2010 1:04:33 PM
marketologist327$25.00$25.006/25/2010 1:15:16 PM
seisen$64.70$64.706/25/2010 4:14:37 PM
cashhelp$25.00$25.006/25/2010 4:29:40 PM
transparency-advocator$50.00$50.006/25/2010 6:54:28 PM
JustMee$25.00$25.006/25/2010 7:28:38 PM
top-courteous-peso$25.00$25.006/26/2010 6:29:41 AM
wwwUniversal$25.00$25.006/26/2010 6:29:40 AM
simplelender80$50.00$50.006/24/2010 3:57:24 PM
MADAOO7$50.00$50.006/24/2010 3:57:27 PM
Pman$25.00$25.006/24/2010 3:59:03 PM
bid-czar8$100.00$100.006/24/2010 3:57:36 PM
cognizant-rate732$50.00$50.006/24/2010 3:57:40 PM
cash-spark3$50.00$50.006/24/2010 3:57:57 PM
personal-lender$25.00$25.006/24/2010 3:58:12 PM
desertoasis$25.00$25.006/24/2010 3:59:41 PM
life-is-great$25.00$25.006/24/2010 4:00:31 PM
first-upright-payout$25.00$25.006/24/2010 4:00:48 PM
momoney2lend$25.00$25.006/24/2010 9:35:35 PM
loan-adventurer7$25.27$25.276/24/2010 9:45:35 PM
lloyd_s$25.00$25.006/24/2010 9:49:01 PM
finance-prescription$50.00$50.006/24/2010 4:21:51 PM
helping-out$30.00$30.006/24/2010 9:50:23 PM
LessAllan$25.00$25.006/24/2010 4:22:30 PM
zento$25.00$25.006/24/2010 4:23:33 PM
SkepticalBen$25.00$25.006/24/2010 6:45:02 PM
czar3$40.00$40.006/25/2010 7:09:31 AM
S-Master$25.00$25.006/25/2010 7:09:37 AM
successful-euro$30.00$30.006/25/2010 7:09:45 AM
worth-arch$25.00$25.006/25/2010 8:54:25 AM
bgood2016$25.00$25.006/24/2010 9:33:29 PM
loan-tycoon0$25.00$25.006/24/2010 9:49:44 PM
yield-seeker$25.00$25.006/24/2010 9:54:27 PM
riproaringrapids$25.00$25.006/25/2010 12:29:25 AM
return-eclipse0$25.00$25.006/25/2010 12:59:40 AM
washboard1$83.99$83.996/25/2010 5:45:26 AM
DosPassos$25.00$25.006/25/2010 5:59:44 AM
Rips$25.00$25.006/25/2010 5:34:27 AM
kind-adventurous-finance$30.00$30.006/25/2010 7:50:47 AM
boogles72$50.00$50.006/25/2010 1:45:53 PM
JGB$25.00$25.006/25/2010 1:54:58 PM
SDNLR$25.00$25.006/25/2010 9:37:47 AM
responsive-rate884$25.00$25.006/25/2010 9:38:31 AM
The_Secret$25.00$25.006/25/2010 10:59:59 AM
tender-deal$25.00$25.006/25/2010 12:09:29 PM
loyalist1$50.00$50.006/25/2010 12:19:53 PM
soulful-truth$1,000.00$1,000.006/25/2010 4:25:56 PM
reflective-rupee$850.00$673.496/26/2010 6:28:37 AM
smart-rate7$30.00$30.006/25/2010 6:14:21 PM
thomas16882004$25.00$25.006/25/2010 11:26:06 PM
SpectrumCapital$71.29$71.296/26/2010 6:29:30 AM
SpectrumFinance$25.00$25.006/26/2010 6:29:36 AM
93 bids
 
Borrower Payment Dependent Notes Series 464139
This series of Notes was issued and sold upon the funding of the borrower loan #43212, 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:  Jun-25-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 25.38% Starting borrower rate/APR: 26.38% / 28.71% Starting monthly payment: $80.99
Final lender yield: 25.38% Final borrower rate/APR: 26.38% / 28.71% Final monthly payment: $80.99
 
Auction yield range: 10.98% - 25.38% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.75%  
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-1994 Debt/Income ratio: 24%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 8Length of status:0y 7m
Credit score: 700-719 (Jun-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,810Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: quiche 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 historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
580-599 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Pay unexpected medical bills
Purpose of loan:
This loan will be used to?? Pay off medical bills from an unexpected illness and to pay off two smaller credit card balances.

My financial situation:
I am a good candidate for this loan because? I have not had any delinquencies in at least four years and part of my getting this loan is to keep my credit score up by taking care of the unexpected medical bills.? Also, I had a previous loan through prosper and I made good on the loan.? Also, I have a full and part time job, I have a real estate license, and I am currently studying for a master's degree in property management.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1524
??Insurance: $ 50
??Car expenses: $ 70
??Utilities: $
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $?675
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$100.00$100.006/25/2010 4:59:54 PM
cognizant-rate732$50.00$50.006/25/2010 5:05:00 PM
alexgalt$100.00$100.006/25/2010 4:59:49 PM
careful-compassion$25.00$25.006/26/2010 11:51:57 AM
wlm3012$25.00$25.006/26/2010 2:45:26 PM
supreme-hope$25.00$25.006/27/2010 5:47:58 AM
five-star-note$35.00$35.006/28/2010 10:06:06 AM
Personal-Bond$50.00$50.006/28/2010 10:07:30 AM
wwwUniversal$25.00$25.006/28/2010 10:07:35 AM
mckhbnpc$30.00$30.006/28/2010 10:07:20 AM
top-courteous-peso$25.00$25.006/28/2010 10:07:36 AM
red-favorable-basis$25.00$25.006/26/2010 5:17:45 AM
crab-e-bill$30.79$30.796/27/2010 8:32:58 AM
superb-kindness2$25.00$25.006/27/2010 9:42:10 PM
AlexTrep$25.00$25.006/27/2010 1:27:11 PM
AlexTrep$25.00$25.006/27/2010 1:35:10 PM
Wachocia$25.00$25.006/28/2010 10:07:37 AM
loot-motion$25.00$25.006/28/2010 10:22:51 AM
whatreality$33.76$33.766/28/2010 10:33:45 AM
reflective-rupee$2,000.00$1,270.456/28/2010 10:02:26 AM
mercuriant$25.00$25.006/28/2010 10:07:24 AM
21 bids
 
Borrower Payment Dependent Notes Series 464229
This series of Notes was issued and sold upon the funding of the borrower loan #43238, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jun-25-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $266.24
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $266.24
 
Auction yield range: 10.98% - 26.25% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1997 Debt/Income ratio: 27%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:6y 0m
Credit score: 680-699 (Jun-2010) Total credit lines: 22 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $5,187Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: newest-favorable-loan Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Combine All-in-1Payment To Catch-Up
Purpose of loan:
This loan will be used?to put together Dental/Medical Bills,?payoff Dell Financial account which is now closed and help?both of my son who are not able to find jobs at the moment and I would like to be able to?help pay a couple of their outstanding?debt.

My financial situation:
I am a good candidate for this loan because?my?job here at Bentley School is very steady, secured,?and I am very happy here.?I am also very much well appreciated by my employer and as well as all families?who attend to this school. My husband may be stingy when it comes to money, but he does provide his half for all household expenses.

Monthly net income: $ 2815.88

Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 246
??Car expenses: $ 250
??Utilities: $ 179
??Phone, cable, internet: $ 264
??Food, entertainment: $?300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 567?
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, Why did you have public record? Does $2815 include your husband's income? Thanks, - p2ploan-sensation211
A: Hi, Public record was from state EDD who put a lien on my house until i pay off overpayment when I was unemployed. Paid off the balance and took care of lien in July 2006. The $2815 is solely my pay. But Like I mentioned my husband gives me his half to pay household billings. Thank you (Jun-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$28.00$28.006/25/2010 4:59:57 PM
lendstats_com$25.00$25.006/25/2010 5:04:48 PM
IntrepidInvestment$50.00$50.006/25/2010 5:05:03 PM
personal-lender$25.00$25.006/25/2010 5:05:18 PM
kind-adventurous-finance$30.00$30.006/25/2010 5:07:55 PM
payment-gusto$25.00$25.006/25/2010 5:55:23 PM
MADAOO7$50.00$50.006/25/2010 5:04:53 PM
Comoparklender$25.00$25.006/25/2010 5:05:18 PM
Pman$25.00$25.006/25/2010 5:05:43 PM
Gibbyland$50.00$50.006/25/2010 11:24:38 PM
mercuriant$25.00$25.006/25/2010 11:28:05 PM
a-healthy-affluence$28.33$28.336/25/2010 11:36:17 PM
unassassinable$25.00$25.006/25/2010 11:37:59 PM
oldmora$26.79$26.796/25/2010 11:38:16 PM
supreme-bonus0$25.00$25.006/25/2010 11:38:28 PM
soulful-truth$1,000.00$1,000.006/25/2010 5:08:46 PM
visionary-currency$35.32$35.326/25/2010 6:50:11 PM
DadWarbucks$25.00$25.006/25/2010 11:10:24 PM
JBA25$25.00$25.006/25/2010 11:07:38 PM
credit-fox3$25.00$25.006/26/2010 11:50:16 AM
Kreditorium$28.75$28.756/25/2010 11:22:52 PM
The_Secret$25.00$25.006/25/2010 11:27:55 PM
dedicated-diversification5$35.14$35.146/25/2010 11:38:40 PM
rhightower003$25.00$25.006/25/2010 11:36:39 PM
JGB$50.35$50.356/25/2010 11:39:09 PM
melodious-fairness$25.00$25.006/25/2010 11:37:42 PM
turbolozano$25.00$25.006/26/2010 1:29:36 AM
orange-preeminant-bill$71.27$71.276/25/2010 11:38:25 PM
tech310$44.08$44.086/26/2010 3:19:29 AM
benefit-squirrel$25.00$25.006/25/2010 11:38:45 PM
famous-bill$50.00$50.006/26/2010 6:04:38 AM
Gixxer600$25.00$25.006/26/2010 11:27:59 PM
autonomous-basis$25.00$25.006/26/2010 11:14:31 AM
top-historic-peso$26.00$26.006/26/2010 11:35:06 AM
soulwork$25.00$25.006/27/2010 8:44:26 AM
pavelz$50.00$50.006/27/2010 8:44:35 AM
1800porsche$25.00$25.006/26/2010 2:44:30 PM
loot-heart$49.92$49.926/26/2010 8:25:11 PM
Viamin$25.00$25.006/26/2010 11:27:23 PM
tallmon$25.00$25.006/26/2010 11:39:09 PM
cypressdev001$25.00$25.006/26/2010 11:38:58 PM
balance-warrior$25.00$25.006/26/2010 11:44:38 PM
just-money930$50.00$50.006/27/2010 4:34:57 PM
treasure-bliss$76.62$76.626/27/2010 4:35:03 PM
inspiring-reward$150.00$150.006/27/2010 5:00:11 PM
teller$25.00$25.006/27/2010 5:00:16 PM
successful-euro$30.00$30.006/27/2010 5:00:29 PM
sympathetic-asset$25.00$25.006/27/2010 8:44:28 AM
power-pagoda$25.00$25.006/27/2010 8:44:41 AM
burrito6$25.00$25.006/27/2010 8:44:30 AM
balance6$25.00$25.006/27/2010 10:34:55 AM
life-is-great$25.00$25.006/27/2010 1:40:42 PM
bold-principal-thinker$25.00$25.006/27/2010 4:09:24 PM
ukstevenhawaii$50.00$50.006/27/2010 4:34:49 PM
Bank42$50.00$50.006/27/2010 4:34:58 PM
misterhobbs$25.00$25.006/27/2010 4:59:42 PM
kindness-percolator5$25.00$25.006/27/2010 4:59:50 PM
qwsd12$40.00$40.006/27/2010 4:35:08 PM
seisen$63.11$63.116/27/2010 4:35:11 PM
svandgts$50.00$50.006/27/2010 5:00:07 PM
jrbill1998$50.00$50.006/27/2010 5:00:14 PM
stock106$25.00$25.006/27/2010 5:00:20 PM
SDNLR$25.00$25.006/27/2010 5:00:31 PM
IIP77$25.00$25.006/27/2010 4:59:52 PM
social-vibrato$25.00$25.006/27/2010 5:00:08 PM
sharp-money3$25.00$25.006/27/2010 5:00:12 PM
supreme-hope$25.00$25.006/27/2010 5:00:18 PM
green-thoughtful-yield$50.00$50.006/27/2010 5:00:24 PM
thorough-exchange4$25.00$25.006/27/2010 8:39:22 PM
jga516$25.00$25.006/27/2010 10:09:59 PM
HHP$25.00$25.006/27/2010 10:10:08 PM
loan-fate$48.10$48.106/28/2010 5:39:32 AM
wwwUniversal$25.00$25.006/28/2010 5:45:50 AM
simplelender80$50.00$50.006/25/2010 5:04:51 PM
Havana21$25.00$25.006/25/2010 5:04:56 PM
reflective-rupee$25.00$25.006/25/2010 4:58:45 PM
intrepid-transaction5$25.00$25.006/25/2010 6:50:07 PM
transparency-advocator$50.00$50.006/25/2010 6:54:24 PM
orderly-leverage$30.00$30.006/25/2010 5:05:11 PM
cash-spark3$50.00$50.006/25/2010 5:05:08 PM
Phantom99$25.00$25.006/25/2010 11:26:15 PM
first-upright-payout$25.00$25.006/25/2010 5:06:24 PM
Artist_Blue$25.00$25.006/25/2010 5:07:49 PM
desertoasis$25.00$25.006/26/2010 7:10:08 AM
Isaac007$25.00$25.006/26/2010 10:44:36 AM
zorg77$25.00$25.006/25/2010 10:56:14 PM
flexiboy35$25.00$25.006/25/2010 10:53:12 PM
DreDub$50.00$50.006/26/2010 11:09:46 AM
Dubbs360$27.17$27.176/25/2010 11:09:54 PM
Sanford-N-Sons$25.00$25.006/25/2010 11:10:30 PM
brother_tam$50.00$50.006/25/2010 11:27:12 PM
ommcd$25.00$25.006/26/2010 2:09:25 PM
purdue98$25.00$25.006/25/2010 11:26:02 PM
heavenly-repayment4$25.00$25.006/25/2010 11:37:16 PM
shrewd-peace7$30.00$30.006/25/2010 11:37:33 PM
awesome-return0$25.00$25.006/25/2010 11:36:11 PM
time4aloan$30.00$30.006/25/2010 11:38:17 PM
special-responsibility$25.00$25.006/25/2010 11:36:21 PM
worth-arch$25.00$25.006/25/2010 11:39:02 PM
loan4teacher$50.00$50.006/26/2010 7:49:36 AM
Rattlehead$25.00$25.006/26/2010 8:20:22 AM
ethicalhumanist$25.00$25.006/26/2010 10:44:35 AM
currency-oak$25.00$25.006/26/2010 11:50:17 AM
jml3482$25.00$25.006/27/2010 8:44:33 AM
autonomous-truth$25.00$25.006/27/2010 8:44:40 AM
orderly-loot$25.00$25.006/26/2010 2:35:21 PM
AlexTrep$25.00$25.006/27/2010 1:27:12 PM
wdove511$25.00$25.006/26/2010 11:38:47 PM
Dreams4Cash$25.00$25.006/26/2010 11:38:56 PM
kidsskipp$25.00$25.006/27/2010 4:34:47 PM
S-Master$25.00$25.006/27/2010 4:35:07 PM
a275ranger$25.00$25.006/27/2010 5:00:07 PM
shrewd-deal$25.00$25.006/27/2010 5:00:13 PM
Interstate_Rate$25.00$25.006/27/2010 5:00:19 PM
upright-revenue7$25.00$25.006/27/2010 5:04:43 PM
tech_helper$25.00$25.006/27/2010 8:44:37 AM
danthemon35$25.00$25.006/27/2010 8:44:39 AM
credit-wheel7$25.00$25.006/27/2010 12:24:30 PM
AlexTrep$25.00$25.006/27/2010 1:35:11 PM
Anny-Disco$50.00$50.006/27/2010 4:35:01 PM
commerce-handshake$25.00$25.006/27/2010 4:34:59 PM
oceanwind1950$25.00$25.006/27/2010 4:59:46 PM
coachmike15$25.00$25.006/27/2010 5:00:05 PM
zone6$40.89$40.896/27/2010 5:00:17 PM
mizount$25.00$25.006/27/2010 5:00:23 PM
FeedTheMachine$25.00$25.006/27/2010 4:35:29 PM
Ocean713$50.00$50.006/27/2010 5:00:06 PM
gain-bridge$25.00$25.006/27/2010 5:00:09 PM
point-shooter$25.00$25.006/27/2010 5:00:15 PM
lloyd_s$25.00$25.006/27/2010 5:04:55 PM
Whipster$50.00$50.006/27/2010 5:00:41 PM
ingenious-deal6$25.00$25.006/27/2010 5:04:25 PM
hard-working-loot$25.00$25.006/27/2010 5:04:45 PM
scoobiedoo$25.00$25.006/27/2010 9:57:42 PM
top-courteous-peso$25.00$25.006/28/2010 5:45:51 AM
fairhelper$25.00$25.006/28/2010 5:39:29 AM
reflective-rupee$1,400.00$1,180.166/28/2010 5:43:29 AM
137 bids
 
Borrower Payment Dependent Notes Series 432918
This series of Notes was issued and sold upon the funding of the borrower loan #43227, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jun-16-2010 
  Auction end date:  Jun-23-2010 
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $74.23
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 22.14% Final monthly payment: $74.23
 
Auction yield range: 7.98% - 18.90% 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: Jan-1994 Debt/Income ratio: 34%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 8Length of status:1y 9m
Credit score: 660-679 (Jun-2010) Total credit lines: 32 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $10,073Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-riveting-funds 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.
Description
real estate taxes
Purpose of loan:
This loan will be used to? get my real estate taxes current

My financial situation:
I am a good candidate for this loan because? I have an excellent work record and good credit score
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: How did you build up so much revolving debt? Are you underwater on your house? Thanks and best wishes. - reflective-rupee
A: Lost close to 2000 a month of income because of job change due to medical condition. Used revolving credit to try and make ends meet. Yes, underwater close to 50,000 according to last assessment. (Jun-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
orgy63$25.00$4.426/16/2010 4:19:51 PM
Bank_Of_XL$100.00$100.006/16/2010 6:29:52 PM
Artist_Blue$25.00$25.006/16/2010 4:16:55 PM
treasure-hunter270$25.00$25.006/16/2010 4:21:28 PM
Easystreet$25.00$25.006/18/2010 2:25:03 AM
JustMee$25.00$25.006/18/2010 8:52:54 PM
jethro$50.00$50.006/19/2010 7:06:09 AM
OgOman$50.00$50.006/20/2010 11:13:16 AM
moo916$25.00$25.006/20/2010 10:35:36 PM
statenisland51$25.00$25.006/21/2010 4:58:32 PM
gjm6d$25.00$25.006/21/2010 7:46:33 PM
Sol_Invictus$25.00$25.006/21/2010 6:13:06 PM
glenium$25.00$25.006/22/2010 2:50:59 AM
scientists$25.00$25.006/21/2010 9:05:04 PM
critter58$25.00$25.006/22/2010 12:48:49 AM
ethicalhumanist$25.00$25.006/22/2010 1:41:40 PM
worthy-bid4$25.00$25.006/22/2010 1:56:47 PM
LSAR$25.00$25.006/22/2010 5:50:03 PM
tidy-cash1$56.35$56.356/22/2010 6:32:36 PM
jonnysixgun$100.00$100.006/23/2010 7:58:06 AM
MattProsper$50.00$50.006/22/2010 5:26:33 PM
mlj0671$25.00$25.006/23/2010 10:38:51 AM
1phantom$25.00$25.006/23/2010 7:23:08 AM
Mindful7$25.00$25.006/23/2010 10:51:52 AM
blackstar$25.00$25.006/23/2010 11:00:19 AM
blooming-commerce6$25.00$25.006/23/2010 9:51:57 AM
wild-orange$25.00$25.006/23/2010 3:10:06 PM
Moneypenny6$30.00$30.006/23/2010 3:16:11 PM
exact-peso2$27.50$27.506/23/2010 11:04:55 AM
mckhbnpc$30.00$30.006/23/2010 11:27:47 AM
blue-dollar-jet$26.90$26.906/23/2010 12:37:50 PM
mammalian4$25.00$25.006/23/2010 2:25:00 PM
just-trade0$36.00$36.006/23/2010 3:54:43 PM
revenue-youngster$25.00$25.006/17/2010 5:47:51 PM
Ven58$25.00$25.006/18/2010 4:34:50 AM
best-listing-toro$25.00$25.006/19/2010 7:26:45 AM
wwwUniversal$25.00$25.006/20/2010 8:06:00 PM
EngineersAlliance$75.00$75.006/21/2010 7:00:33 AM
Uylsses$100.00$100.006/21/2010 10:00:50 AM
d_grbg$25.00$25.006/22/2010 8:17:55 AM
asya$40.00$40.006/22/2010 9:15:44 AM
steady-dime$25.00$25.006/22/2010 1:14:33 PM
Grandmahoneybee$25.00$25.006/22/2010 5:38:46 PM
iflyforfun$25.00$25.006/22/2010 5:50:09 PM
photo999$25.00$25.006/22/2010 6:23:08 PM
redrose1518$30.00$30.006/23/2010 8:55:46 AM
gilbrear$25.00$25.006/22/2010 5:51:17 PM
best-generosity-financier$25.00$25.006/22/2010 10:57:11 PM
power-secret-agent$25.00$25.006/23/2010 2:02:56 AM
attractive-fund$25.00$25.006/23/2010 11:00:31 AM
mroew$28.83$28.836/23/2010 9:20:38 AM
porwestco$25.00$25.006/23/2010 11:44:33 AM
draggon77$25.00$25.006/23/2010 10:14:33 AM
joeandsam$25.00$25.006/23/2010 2:40:37 PM
patriot384$140.00$140.006/23/2010 1:06:58 PM
yu-rik$100.00$100.006/23/2010 3:58:27 PM
56 bids
 
Borrower Payment Dependent Notes Series 440772
This series of Notes was issued and sold upon the funding of the borrower loan #43230, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $63.79
Final lender yield: 8.15% Final borrower rate/APR: 9.15% / 11.25% Final monthly payment: $63.74
 
Auction yield range: 3.98% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.03%  
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-1989 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 8Length of status:0y 7m
Credit score: 740-759 (Jun-2010) Total credit lines: 30 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $15,333Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: terrific-dollar9 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off chase visa
Purpose of loan:
Thank you for your consideration.? This loan will be used to consolidate the current balance on an Chase Visa card.

My financial situation:
I have a stable career as a computer engineer and have been consistently paying down debt.? The primary reason for the current amount of debt I have is that a home renovation in 2007 went over budget and I didn't use a home equity loan for 2/3's of the cost at the time.? I have been consistently paying my bills on time and have done so since 1989.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Geebradly$25.00$25.006/21/2010 4:51:48 PM
tommyanthony$158.71$158.716/21/2010 5:15:23 PM
Cherrypicker$50.00$50.006/21/2010 6:25:10 PM
pioneer580$40.86$40.866/22/2010 7:41:44 AM
wwwUniversal$25.00$25.006/22/2010 9:48:03 AM
LawyerLoan$50.00$50.006/22/2010 11:42:53 AM
FundMaker$25.00$25.006/22/2010 7:32:09 PM
Castelj$30.00$30.006/23/2010 6:27:22 AM
Halos2002$50.00$50.006/23/2010 10:39:25 AM
microfunder$25.00$25.006/24/2010 5:54:46 AM
famous-marketplace9$50.00$50.006/23/2010 5:02:51 PM
tomjac2000$25.00$25.006/23/2010 8:48:08 PM
Tc11902$50.00$11.806/24/2010 7:00:14 AM
asset-trumpeter$100.00$100.006/24/2010 4:12:33 PM
Trident-Fund$50.00$50.006/26/2010 9:00:34 AM
wonderous-power$25.00$25.006/26/2010 11:49:16 AM
admirable-credit$25.00$25.006/25/2010 11:37:06 PM
PalmerTheEmbalmer$25.00$25.006/26/2010 8:21:25 PM
Richmp412$25.00$25.006/26/2010 7:46:11 AM
jwood3030$25.99$25.996/26/2010 11:44:56 PM
MacBrandon$25.00$25.006/26/2010 12:08:21 PM
adaptable-dime4$25.00$25.006/27/2010 10:42:26 AM
Toony$25.00$25.006/27/2010 8:35:41 PM
justin323$25.00$25.006/27/2010 4:33:12 PM
wise382$25.00$25.006/27/2010 3:34:27 PM
best-generosity-financier$25.00$25.006/27/2010 8:28:59 PM
dano1965$25.00$25.006/28/2010 10:49:19 AM
Happyhourcomics$25.00$25.006/28/2010 11:16:02 AM
friendinmoney$25.00$25.006/28/2010 3:28:54 PM
Engineer44$25.00$25.006/28/2010 3:50:48 PM
otalon$25.00$25.006/22/2010 7:50:36 AM
forthright-principal2$25.00$25.006/22/2010 9:36:10 AM
mster9ball$25.00$25.006/22/2010 4:32:01 AM
lockstock$40.43$40.436/22/2010 7:02:38 PM
Kelor99$25.00$25.006/22/2010 8:37:48 PM
ethicalhumanist$25.00$25.006/24/2010 10:56:31 AM
Lo0se_mo0se$25.00$25.006/24/2010 11:08:30 PM
dmitriy2$25.00$25.006/25/2010 11:56:55 AM
jdadverb$25.00$25.006/25/2010 8:03:49 PM
rce1964$25.00$25.006/25/2010 11:23:51 PM
jayk63$25.00$25.006/26/2010 4:20:35 AM
stevexs$45.00$45.006/26/2010 8:15:28 AM
BlindSquirrel$25.00$25.006/26/2010 11:04:43 AM
MoneyTree79$29.19$29.196/27/2010 6:57:58 AM
kanyonkat$25.00$25.006/26/2010 10:18:55 PM
RadarLuv$25.00$25.006/27/2010 5:17:18 AM
RainMakers$25.00$25.006/27/2010 9:56:05 PM
shellstar$32.26$32.266/28/2010 8:04:48 AM
sharp518$25.00$25.006/28/2010 9:00:28 AM
roguewinner$25.00$25.006/28/2010 9:02:04 AM
emjaybee$25.00$25.006/27/2010 7:21:10 PM
itsmaj$55.00$55.006/28/2010 12:11:53 AM
debt-legend$25.00$25.006/28/2010 8:13:37 AM
BristolGarden$50.00$50.006/28/2010 10:51:59 AM
Earn_money$25.76$25.766/28/2010 11:52:05 AM
mgking007$30.00$30.006/28/2010 1:12:39 PM
frankandirene$25.00$25.006/28/2010 1:59:45 PM
UCSBGAUCHOS$25.00$25.006/28/2010 3:51:06 PM
revenue-appraiser$50.00$50.006/28/2010 3:26:54 PM
FlightAttendantBret$50.00$50.006/28/2010 3:39:21 PM
60 bids
 
Borrower Payment Dependent Notes Series 462686
This series of Notes was issued and sold upon the funding of the borrower loan #43285, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jun-16-2010 
  Auction end date:  Jun-23-2010 
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $121.27
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $121.27
 
Auction yield range: 10.98% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 4%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:3y 5m
Credit score: 660-679 (Jun-2010) Total credit lines: 24 Occupation: Sales - Commission
Now delinquent: 4 Revolving credit balance: $473Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 46    
Screen name: blissful-trade Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a car loan
Purpose of loan:
This loan will be used to?
Pay off a car loan for my family.
My financial situation: I am in good financial shape
I am a good candidate for this loan because?I have been paying my debts in a timely manner and make enough money to pay this loan off in less than 36 months.

Monthly net income: $ 3800.00

Monthly expenses: $ 1425.00
??Housing: $800.00
??Insurance: $315.00
??Car expenses: $100.00
??Utilities: $70.00
??Phone, cable, internet: $200.00
??Food, entertainment: $150.00
??Clothing, household expenses $0
??Credit cards and other loans: $100.00
??Other expenses: $0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loot-heart$50.00$50.006/16/2010 4:18:02 PM
qwsd12$40.00$40.006/16/2010 4:21:02 PM
top-historic-peso$26.00$26.006/16/2010 4:21:11 PM
Artist_Blue$25.00$25.006/16/2010 4:16:30 PM
MADAOO7$50.00$50.006/16/2010 4:21:40 PM
MoneyLender72$50.00$50.006/16/2010 4:25:37 PM
SNH$50.00$50.006/16/2010 4:21:04 PM
orderly-leverage$30.00$30.006/16/2010 4:21:15 PM
bid-czar8$100.00$100.006/16/2010 4:23:53 PM
danthemon35$25.00$25.006/16/2010 5:00:31 PM
greenwell$25.00$25.006/16/2010 5:00:34 PM
moola-accelerator6$25.00$25.006/16/2010 5:21:02 PM
washboard1$100.00$100.006/16/2010 4:26:58 PM
generous-deal6$25.00$25.006/16/2010 5:00:29 PM
Little_Tuna_College_Fund$74.61$74.616/16/2010 9:43:00 PM
wwwUniversal$25.00$25.006/16/2010 6:31:01 PM
MONEY_IN_THE_BANK$25.00$25.006/19/2010 5:29:56 PM
squarebob$25.00$25.006/21/2010 4:58:26 PM
realtormoises$25.00$25.006/22/2010 4:43:57 PM
4mydaughterseducation$25.00$25.006/22/2010 7:27:04 PM
zone6$150.00$150.006/22/2010 7:08:34 PM
jybank$25.00$25.006/22/2010 10:44:55 PM
yu-rik$75.00$75.006/23/2010 4:02:10 PM
fairness-atmosphere$25.00$25.006/23/2010 10:52:15 AM
wealth-multiplier$25.00$25.006/23/2010 12:37:15 PM
S-Master$25.00$25.006/16/2010 4:19:55 PM
simplelender80$50.00$50.006/16/2010 4:21:36 PM
FeedTheMachine$100.00$100.006/16/2010 4:17:52 PM
reflective-rupee$2,000.00$1,119.396/16/2010 6:25:08 PM
cash-spark3$25.00$25.006/16/2010 4:20:59 PM
personal-lender$25.00$25.006/16/2010 4:21:18 PM
Havana21$25.00$25.006/16/2010 4:22:33 PM
lagnisiruk$25.00$25.006/16/2010 4:23:05 PM
green-thoughtful-yield$50.00$50.006/16/2010 4:25:11 PM
wlm3012$25.00$25.006/17/2010 2:55:22 PM
SolarMoonshine$25.00$25.006/17/2010 10:00:13 AM
AlexTrep$25.00$25.006/17/2010 4:04:45 PM
best-listing-toro$25.00$25.006/19/2010 7:30:00 AM
lender-inc$30.00$30.006/19/2010 4:22:15 PM
neorunner$25.00$25.006/19/2010 4:28:40 PM
marwadi-62$25.00$25.006/19/2010 8:22:16 PM
market-pudding$25.00$25.006/21/2010 4:14:11 PM
asya$30.00$30.006/22/2010 9:16:21 AM
daekpon$25.00$25.006/23/2010 8:00:42 AM
credit-coach118$25.00$25.006/23/2010 9:46:53 AM
yu-rik$25.00$25.006/23/2010 3:59:15 PM
sensational-peace6$50.00$50.006/23/2010 1:18:32 PM
ore-dojo$50.00$50.006/23/2010 3:19:41 PM
Engineer44$25.00$25.006/23/2010 4:11:44 PM
49 bids
 
Borrower Payment Dependent Notes Series 462754
This series of Notes was issued and sold upon the funding of the borrower loan #43215, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $13,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 22.55% Starting borrower rate/APR: 23.55% / 25.84% Starting monthly payment: $506.96
Final lender yield: 22.55% Final borrower rate/APR: 23.55% / 25.84% Final monthly payment: $506.96
 
Auction yield range: 7.98% - 22.55% Estimated loss impact: 7.53%  
Lender servicing fee: 1.00% Estimated return: 15.02%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2001 Debt/Income ratio: 41%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:7y 3m
Credit score: 780-799 (Jun-2010) Total credit lines: 29 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $4,456Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Texas-Air-Guard 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
Debt Consolidation
Purpose of loan:
This loan will be used to? Pay off truck that I am paying????????????????????? $400.00?
???????????????????????????????????????Paying off Credit Card that I am paying???????? $150.00
???????????????????????????????????????Paying off Motorcycle that I am paying?????????$200.00
????????????????????????????????????????????????????????????????????????????????????????????????????????=$750.00 a month
This loan will save me?$250 a month and the bills will be paid off faster.???????????????????????????????????????????????????????????????

My financial situation:
I am a good candidate for this loan because? I have never made a late payment on any lines of credit I have ever had. I am working toward being debt free.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I think you?re a great candidate to pledge / bid for!!... Can you briefly list payments on other car loans, personal loans, credit cards, mortgages, etc?.. Also, what are the monthly utilities, ins., living expenses, leases, etc. payments?.. THANKS! - SmartConsolidation
A: My only other bills that I have that are not going into this loan are my utilities which equal about 200 a month, my mortgage which is 810 a month and thats including my insurance and taxes. I also have a student loan that I pay 100 bucks a month on. My car insurance is 100 a month as well. So. 200 for utilities 100 student loan 810 for mortgage and 100 for car insurance Thats it in a nutshell. (Jun-24-2010)
Q: Can you explain your employment status a bit more...... Where you work, how long you've been here, what you do, how your monthly pay is calculated, etc? THANKS!! - SmartConsolidation
A: Sure. Im in the Texas Air National Guard. I joined in 2003 and have been there ever since. Normally Guard members are only one weekend a month, but there are a number of us that work there full time. So I'm pretty much active duty Air Force. I am stationed at NAS JRB Fort Worth. My normal pay after tax is $2660 after taxes. I also have a roomate that pays me $400 a month, and my 1 weekend a month I work as a guard member I get $240 a month from. (Jun-24-2010)
Q: Other monthly expenses? - Trakissta
A: Student Loan $100 monthly Mortgage $ 810 monthly (That includes Insurance and Tax) Car Insurance $100 monthly utilities equal around $200 a month cell phone $60 a month IRA $100 a month everything else will fall under this loan (Jun-24-2010)
Q: Hi, what is the total amount of debt you owe? What are you total monthly debt payments? Thanks. - interest88
A: I am right at $24k in debt excluding my house. This loan will include all my debt except for a 12k student loan. I pay $750 a month on this debt but am hoping to lower that with this loan. I withdrew my last loan because I decided consolidation of the majority of my debt made more sense, and it would save me more money. (Jun-29-2010)
Q: Also, why did you withdraw your last loan? Why did your DTI rise from 30% to 40%. Thanks and good luck. - interest88
A: I honestly don't know why my DTI went up. I did apply for a loan through my credit union to see about a lower intrest rate. I declined the loan through them. (Jun-29-2010)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
trustworthy-fairness$100.00$100.006/22/2010 9:55:42 AM
Havana21$25.00$25.006/22/2010 9:56:59 AM
Thylow$25.00$25.006/22/2010 9:58:14 AM
simplelender80$100.00$100.006/22/2010 10:04:21 AM
bchen78875$25.00$25.006/22/2010 10:05:22 AM
syounker$25.00$25.006/22/2010 10:06:06 AM
orderly-loot$25.00$25.006/22/2010 9:55:36 AM
radforj22$25.00$25.006/22/2010 10:55:09 AM
lendmedo$25.00$25.006/22/2010 11:24:38 AM
bountiful-durability$50.00$50.006/22/2010 9:57:50 AM
GlowHost$50.00$50.006/22/2010 9:59:09 AM
american6$25.00$25.006/22/2010 10:03:41 AM
hrubinst$25.00$25.006/22/2010 10:03:27 AM
treasure-hunter270$25.00$25.006/22/2010 10:04:18 AM
personal-lender$25.00$25.006/22/2010 10:04:23 AM
successful-euro$30.00$30.006/22/2010 10:04:53 AM
enthralling-deal180$100.00$100.006/22/2010 10:06:28 AM
tnjohnso$25.00$25.006/22/2010 2:26:05 PM
finance-prescription$25.65$25.656/22/2010 2:28:27 PM
head$25.00$25.006/22/2010 12:53:51 PM
Winsten$50.00$50.006/22/2010 1:24:52 PM
nunnie$25.00$25.006/22/2010 4:55:03 PM
the-silver-blaster$35.81$35.816/22/2010 4:11:44 PM
ichibon$75.00$75.006/22/2010 4:56:13 PM
blackstar$25.00$25.006/22/2010 4:56:16 PM
balanced-bill7$100.00$100.006/22/2010 5:51:35 PM
ddog0224$25.00$25.006/22/2010 5:51:32 PM
Bank_Of_XL$100.00$100.006/23/2010 7:03:38 AM
Artist_Blue$25.00$25.006/23/2010 9:41:17 AM
bodascafe$25.00$25.006/23/2010 9:51:05 AM
bigphish$25.00$25.006/23/2010 2:29:46 PM
generous-deal6$25.00$25.006/23/2010 4:03:57 PM
wise-spiritual-commitment$50.00$50.006/23/2010 4:04:38 PM
apetrock$50.00$50.006/23/2010 11:09:44 AM
a-finance-nirvana$25.00$25.006/23/2010 10:51:27 AM
nanda$25.00$25.006/23/2010 1:09:42 PM
peb44$50.00$50.006/23/2010 1:16:11 PM
life-is-great$25.00$25.006/23/2010 3:11:02 PM
brightest-asset-healer$25.00$25.006/23/2010 4:01:49 PM
payment-freshmaker$50.00$50.006/23/2010 4:03:51 PM
shrewd-deal$25.00$25.006/23/2010 4:04:41 PM
Anny-Disco$45.30$45.306/23/2010 4:04:34 PM
platinum-sorcerer6$36.52$36.526/23/2010 4:04:53 PM
DadWarbucks$25.00$25.006/23/2010 4:05:10 PM
loot-heart$50.00$50.006/23/2010 4:05:16 PM
market-pudding$25.00$25.006/24/2010 7:19:46 AM
Comoparklender$30.00$30.006/24/2010 8:30:34 AM
penny-surgeon$25.00$25.006/24/2010 8:17:47 AM
dreammachine$50.00$50.006/24/2010 9:13:49 AM
Clambake$32.10$32.106/24/2010 9:33:48 AM
sanych$50.00$50.006/24/2010 9:56:10 AM
finance-solo$25.00$25.006/24/2010 10:40:12 AM
logical-loyalty0$25.00$25.006/24/2010 2:54:27 PM
get30inc$25.00$25.006/24/2010 9:59:51 PM
TravisMcGee$25.00$25.006/24/2010 8:07:59 PM
loan-kung-fu$25.00$25.006/24/2010 9:22:43 PM
Tradesmanlender$25.00$25.006/25/2010 9:37:42 AM
SmartConsolidation$25.00$25.006/25/2010 1:27:13 AM
capital-mover7$50.00$50.006/25/2010 4:11:02 AM
SCTrojangirl$25.00$25.006/25/2010 11:05:10 AM
ddibernardo$25.00$25.006/25/2010 12:19:43 PM
pound-lightning$50.00$50.006/25/2010 12:39:43 PM
boogles72$50.00$50.006/25/2010 1:46:05 PM
LenderByDay$25.00$25.006/25/2010 10:55:46 PM
brazilofmux$84.36$84.366/25/2010 10:56:41 PM
auction-seeker$25.00$25.006/26/2010 7:47:23 PM
bid-czar8$100.00$100.006/26/2010 9:55:28 AM
favorite-commerce$50.00$50.006/26/2010 9:55:57 AM
Dollars4Rent$25.00$25.006/26/2010 11:35:26 AM
kashikoe$25.00$25.006/26/2010 12:59:31 PM
1800porsche$25.00$25.006/26/2010 2:39:47 PM
payment-halo$25.00$25.006/26/2010 3:33:15 PM
dickfore$75.00$75.006/27/2010 2:28:13 AM
well-mannered-income3$40.00$40.006/27/2010 6:59:54 PM
AlexTrep$25.00$25.006/27/2010 1:26:36 PM
reflective-rupee$500.00$500.006/28/2010 9:35:06 AM
Karey$25.00$25.006/28/2010 9:19:36 AM
asset-trumpeter$25.00$25.006/28/2010 11:00:19 AM
durability-bandit1$50.00$50.006/28/2010 9:34:47 AM
reflective-rupee$100.00$100.006/28/2010 9:34:10 AM
mizount$25.00$25.006/28/2010 11:13:54 AM
Whipster$50.00$50.006/28/2010 11:56:45 AM
ISHLEP67$50.00$50.006/28/2010 12:15:00 PM
outtahoth2o$50.00$50.006/28/2010 11:15:37 AM
Little_Guy$25.00$25.006/28/2010 11:56:39 AM
elegant-loot$25.00$25.006/28/2010 4:12:05 PM
dadalou$25.00$25.006/28/2010 12:49:28 PM
MrCoffee$29.26$29.266/28/2010 1:03:54 PM
steady-dime$25.00$25.006/28/2010 1:13:07 PM
Weaverville$50.00$50.006/28/2010 4:19:56 PM
superstar449$25.00$25.006/28/2010 12:48:45 PM
spsavage$25.00$25.006/28/2010 2:20:54 PM
Plotinus$43.21$43.216/28/2010 2:29:45 PM
divedude$25.00$25.006/28/2010 2:35:27 PM
jstnow$25.00$25.006/28/2010 4:29:39 PM
eric-p$25.00$25.006/28/2010 4:20:01 PM
Frosty$50.00$50.006/28/2010 4:34:43 PM
kmwvma$25.00$25.006/28/2010 5:12:19 PM
Sixmil$25.00$25.006/28/2010 5:12:59 PM
bsh297$25.00$25.006/28/2010 5:19:40 PM
rmachi$25.00$25.006/28/2010 5:12:22 PM
somebody32$25.00$25.006/28/2010 6:29:43 PM
well-rounded-dinero$100.00$100.006/28/2010 5:01:19 PM
Carpetkid$25.00$25.006/28/2010 7:05:32 PM
best-generosity-financier$25.00$25.006/28/2010 6:04:03 PM
blue-dollar-viking$25.00$25.006/28/2010 5:25:37 PM
shortstop21$25.00$25.006/28/2010 5:29:22 PM
lagnisiruk$25.00$25.006/28/2010 6:29:41 PM
Sam65$25.00$25.006/28/2010 5:54:24 PM
credit-maverick1$60.00$60.006/28/2010 8:43:37 PM
wdove511$25.00$25.006/28/2010 7:05:34 PM
TennSquire$25.00$21.536/28/2010 7:15:05 PM
MattProsper$100.00$100.006/28/2010 9:50:01 PM
1traveler$25.00$25.006/29/2010 1:11:52 AM
shrewd-income$50.00$50.006/29/2010 5:17:50 AM
bstlndlrd207$150.00$150.006/29/2010 6:59:26 AM
interstellar$50.00$50.006/29/2010 7:24:27 AM
oceanside$25.00$25.006/29/2010 5:56:26 AM
porwestco$25.00$25.006/29/2010 7:43:33 AM
grampy48$25.00$25.006/29/2010 6:52:26 AM
interest88$25.00$25.006/29/2010 7:42:16 AM
twtb19$25.00$25.006/29/2010 8:35:57 AM
order-bee1$500.00$500.006/29/2010 9:49:18 AM
wwwUniversal$25.00$25.006/29/2010 9:14:53 AM
mmmm1982$28.00$28.006/29/2010 9:27:48 AM
orgy63$25.00$25.006/22/2010 9:56:30 AM
SNH$50.00$50.006/22/2010 9:58:53 AM
yield-seeker$25.00$25.006/22/2010 10:04:47 AM
the-transaction-stronghold$25.00$25.006/22/2010 9:59:41 AM
sociallender$25.00$25.006/22/2010 10:00:53 AM
Avala$50.00$50.006/22/2010 10:03:36 AM
Pulchritudinous$25.00$25.006/22/2010 10:03:10 AM
riproaringrapids$25.00$25.006/22/2010 10:04:33 AM
studious-bonus7$50.00$50.006/22/2010 10:03:25 AM
Tc11902$50.00$50.006/22/2010 1:00:07 PM
impressive-credit431$25.00$25.006/22/2010 3:19:31 PM
intelligent-yield$25.00$25.006/22/2010 2:14:43 PM
Easystreet$25.00$25.006/22/2010 2:27:25 PM
UT-Longhorn$25.00$25.006/22/2010 4:12:00 PM
ommcd$25.00$25.006/22/2010 3:41:27 PM
frogperson$25.15$25.156/22/2010 5:50:06 PM
zaxsan$25.00$25.006/22/2010 4:11:48 PM
Billfred$25.00$25.006/22/2010 4:11:52 PM
pavelz$50.00$50.006/22/2010 4:56:16 PM
Picopie$100.00$100.006/22/2010 5:04:28 PM
reflective-rupee$25.00$25.006/22/2010 4:54:44 PM
cash-spark3$25.00$25.006/22/2010 5:51:34 PM
relentless-penny$25.00$25.006/22/2010 5:54:43 PM
Headhunter14$25.00$25.006/22/2010 8:19:31 PM
reflective-rupee$100.00$100.006/22/2010 8:53:32 PM
teller$25.00$25.006/23/2010 10:41:10 AM
Dan12781$25.00$25.006/23/2010 7:10:45 AM
commerce-triumph$25.00$25.006/23/2010 10:52:16 AM
Breakfast_Gypsy$25.00$25.006/23/2010 9:39:42 AM
mikeandcat$50.00$50.006/23/2010 12:04:33 PM
loan-genie88$25.00$25.006/23/2010 1:49:34 PM
muzicman$50.00$50.006/23/2010 10:08:23 AM
integrity-doctor$100.00$100.006/23/2010 3:09:27 PM
kmr2$350.00$350.006/23/2010 4:04:00 PM
chestnut4$25.00$25.006/23/2010 4:04:35 PM
greenback-museum$25.00$25.006/23/2010 4:04:39 PM
Ripsaw4U$25.00$25.006/23/2010 4:04:54 PM
iceberg982362$25.00$25.006/23/2010 11:49:31 AM
green-thoughtful-yield$50.00$50.006/23/2010 1:02:33 PM
flexible-return297$25.00$25.006/23/2010 1:16:02 PM
tjone69$30.00$30.006/23/2010 1:45:42 PM
fareast_man$25.00$25.006/23/2010 2:29:53 PM
vegibenz$25.00$25.006/23/2010 2:34:52 PM
lokiswolf$30.00$30.006/23/2010 4:00:52 PM
new-return-faire$28.25$28.256/23/2010 3:25:56 PM
elephantparty$25.00$25.006/23/2010 4:03:59 PM
rescue$50.00$50.006/23/2010 4:04:12 PM
dinero-speaker$50.00$50.006/23/2010 4:04:36 PM
enthusiastic-balance5$37.47$37.476/23/2010 4:04:43 PM
mzman$25.00$25.006/23/2010 4:04:55 PM
economy-producer$25.00$25.006/23/2010 4:05:20 PM
money_money$50.00$50.006/23/2010 4:04:11 PM
power-pagoda$26.00$26.006/23/2010 4:04:18 PM
top-historic-peso$25.00$25.006/23/2010 4:04:37 PM
PRGuyinVA$25.00$25.006/23/2010 4:05:24 PM
Trakissta$100.00$100.006/23/2010 6:55:10 PM
benefit-dreams$50.00$50.006/23/2010 8:11:13 PM
successful-agreement7$50.00$50.006/24/2010 2:25:21 PM
dickfore$25.00$25.006/24/2010 9:42:35 AM
green-penny-finder$25.00$25.006/24/2010 9:44:23 AM
first-upright-payout$25.00$25.006/24/2010 11:47:13 AM
ptjg$25.00$25.006/24/2010 5:00:49 PM
Imaginos1892$100.00$100.006/24/2010 6:02:37 PM
Sol_Invictus$25.00$25.006/24/2010 5:08:09 PM
Max8319$25.00$25.006/24/2010 7:24:39 PM
superstar449$50.00$50.006/25/2010 5:48:32 AM
mirth378$25.00$25.006/25/2010 11:30:59 AM
overflowinglife$25.00$25.006/25/2010 9:39:25 AM
cingular$25.00$25.006/25/2010 9:34:51 PM
IIP77$25.00$25.006/25/2010 10:54:27 PM
Military-2-Military$1,000.00$1,000.006/25/2010 9:27:16 PM
mmckune$25.00$25.006/25/2010 11:10:53 PM
zone6$150.00$150.006/26/2010 10:47:02 PM
verdiprr$100.00$100.006/26/2010 8:25:17 AM
mpactlender$25.00$25.006/27/2010 6:54:46 AM
E-B$50.00$50.006/27/2010 4:00:28 AM
thorough-exchange4$25.00$25.006/27/2010 8:39:41 PM
afm$100.00$100.006/27/2010 10:29:02 AM
KiwiElf$25.00$25.006/28/2010 5:56:07 AM
buvaet$25.00$25.006/27/2010 11:01:06 PM
gt5149c$25.00$25.006/28/2010 6:17:54 AM
reflective-rupee$200.00$200.006/28/2010 9:34:36 AM
reflective-rupee$100.00$100.006/28/2010 9:33:54 AM
benevolent-benefit$25.00$25.006/28/2010 9:49:22 AM
Au-Ag-Pt$25.00$25.006/28/2010 11:59:22 AM
DrStaff$52.47$52.476/28/2010 12:14:59 PM
jtradition$50.00$50.006/28/2010 12:15:09 PM
don8ter$25.00$25.006/28/2010 11:16:04 AM
flexible-value$26.00$26.006/28/2010 11:15:14 AM
Panna$25.00$25.006/28/2010 11:43:12 AM
fireboss$32.64$32.646/28/2010 11:44:50 AM
dollar-oracle55$25.00$25.006/28/2010 2:29:43 PM
top-courteous-peso$65.00$65.006/28/2010 11:45:50 AM
money2k$25.00$25.006/28/2010 12:15:10 PM
RationalWorld$25.00$25.006/28/2010 4:02:23 PM
monticello$25.00$25.006/28/2010 11:57:02 AM
herbyman$25.00$25.006/28/2010 12:14:57 PM
MrBluesummers$50.00$50.006/28/2010 4:19:51 PM
zrohmm$25.00$25.006/28/2010 2:09:40 PM
TheColoradoDon$25.00$25.006/28/2010 3:50:13 PM
biglender5$25.00$25.006/28/2010 3:54:39 PM
irrelevant$25.00$25.006/28/2010 4:19:59 PM
A007$25.00$25.006/28/2010 4:19:49 PM
svandgts$25.00$25.006/28/2010 4:26:22 PM
cgorry$25.00$25.006/28/2010 4:29:28 PM
latestone$25.00$25.006/28/2010 5:11:06 PM
Supernick$50.00$50.006/28/2010 5:11:16 PM
decisive-capital$100.00$100.006/28/2010 5:13:03 PM
sentry256$25.00$25.006/28/2010 6:09:29 PM
ILoveSushi$25.00$25.006/28/2010 5:11:05 PM
lostontheedge$25.00$25.006/28/2010 5:12:42 PM
szetowski$25.00$25.006/28/2010 6:29:47 PM
sail120$25.00$25.006/28/2010 5:19:41 PM
faldska$25.00$25.006/28/2010 7:05:33 PM
noble-revenue$50.00$50.006/28/2010 6:05:05 PM
checkuto$25.00$25.006/28/2010 5:12:57 PM
Dahlozer$25.00$25.006/28/2010 6:29:44 PM
bughead$25.00$25.006/28/2010 7:56:41 PM
DasMula$25.00$25.006/28/2010 8:01:23 PM
rose88$25.00$25.006/28/2010 6:05:06 PM
silver-armada$37.79$37.796/28/2010 6:44:24 PM
Rogue_Funding$25.00$25.006/28/2010 7:02:50 PM
AM2008$25.00$25.006/28/2010 7:30:57 PM
DasMula$25.00$25.006/28/2010 8:00:57 PM
mpatrick$50.00$50.006/28/2010 9:27:03 PM
green-rapid-openness$50.00$50.006/28/2010 10:08:52 PM
admirable-credit$25.00$25.006/29/2010 12:17:36 AM
greenbfin$25.00$25.006/29/2010 1:08:05 AM
dynrep$25.00$25.006/29/2010 4:55:43 AM
patriot384$140.00$140.006/29/2010 6:59:56 AM
mammalian4$50.00$50.006/29/2010 5:25:01 AM
MrPie$25.00$25.006/29/2010 7:34:38 AM
broker558$25.00$25.006/29/2010 7:48:37 AM
szetheli$158.00$158.006/29/2010 8:33:41 AM
wealth-multiplier$25.00$25.006/29/2010 8:43:21 AM
worthy-bid4$25.00$25.006/29/2010 8:18:43 AM
leverage-monger$25.00$25.006/29/2010 7:32:06 AM
bold-attentive-listing$69.49$69.496/29/2010 9:09:42 AM
funtwosay$25.00$25.006/29/2010 8:00:53 AM
jhernand17$25.00$25.006/29/2010 9:18:33 AM
principal-star$25.00$25.006/29/2010 9:31:45 AM
scientists$25.00$25.006/29/2010 9:04:22 AM
order-bee1$500.00$500.006/29/2010 9:49:46 AM
268 bids
 
Borrower Payment Dependent Notes Series 462942
This series of Notes was issued and sold upon the funding of the borrower loan #43294, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Jun-16-2010 
  Auction end date:  Jun-23-2010 
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $74.23
Final lender yield: 18.90% Final borrower rate/APR: 19.90% / 22.14% Final monthly payment: $74.23
 
Auction yield range: 7.98% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1997 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:1y 7m
Credit score: 640-659 (Jun-2010) Total credit lines: 41 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $253Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 18%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 23    
Screen name: duty-frog 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
Loan for Our Wedding!
Purpose of loan:
This loan will be used to pay for our upcoming wedding.? We are very excited to be starting our life together and want everything to be fun and enjoyable for all!?

My financial situation:
I am a good candidate for this loan because I have a steady job and sufficient income to repay this loan.? I will be sure to make all payments in full and on time.?

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $0
??Insurance: $ 69
??Car expenses: $ 405
??Utilities: $ 150
??Phone, cable, internet: $115
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
market-pudding$25.00$25.006/16/2010 5:00:08 PM
orgy63$25.00$25.006/16/2010 4:19:44 PM
studious-bonus7$50.00$50.006/16/2010 4:20:00 PM
hrubinst$25.00$25.006/16/2010 4:20:31 PM
treasure-hunter270$25.00$25.006/16/2010 4:21:24 PM
simplelender80$100.00$19.366/16/2010 4:21:30 PM
4mydaughterseducation$25.00$25.006/17/2010 8:46:11 PM
MONEY_IN_THE_BANK$25.00$25.006/19/2010 5:31:28 PM
wild_carrot$25.00$25.006/21/2010 9:40:35 AM
rustysailor$29.00$29.006/22/2010 7:15:03 AM
Chesterite$25.00$25.006/22/2010 8:21:57 AM
dpries123$25.00$25.006/22/2010 12:52:03 PM
YeoLenderSource$25.00$25.006/22/2010 4:09:53 PM
dontletmoneyfoolya$50.00$50.006/22/2010 5:19:36 PM
satisfying-deal5$100.00$100.006/22/2010 3:54:23 PM
uarewhatuthink$43.95$43.956/22/2010 4:09:56 PM
credit-missile$75.00$75.006/23/2010 8:15:47 AM
djkaiser$25.00$25.006/23/2010 10:21:55 AM
scottr$25.00$25.006/23/2010 10:46:28 AM
mlj0671$25.00$25.006/23/2010 11:18:26 AM
shrewd-income$100.00$100.006/23/2010 9:38:23 AM
wealth-multiplier$25.00$25.006/23/2010 12:42:06 PM
credit-coach118$25.00$25.006/23/2010 9:45:45 AM
wild-orange$25.00$25.006/23/2010 3:22:53 PM
eclipse056$25.58$25.586/23/2010 11:45:15 AM
patriot384$140.00$140.006/23/2010 1:08:21 PM
Avala$50.00$50.006/16/2010 4:20:40 PM
american6$25.00$25.006/16/2010 4:20:51 PM
wwwUniversal$25.00$25.006/16/2010 5:00:33 PM
wlm3012$25.00$25.006/17/2010 3:05:07 PM
Easystreet$25.00$25.006/18/2010 2:25:08 AM
Finchy78$25.00$25.006/18/2010 2:56:53 PM
interstellar$50.00$50.006/18/2010 11:44:45 AM
squarebob$25.00$25.006/18/2010 12:08:40 PM
CSinvestments$25.00$25.006/18/2010 6:32:50 PM
marwadi-62$25.00$25.006/19/2010 8:20:35 PM
Ambassador$25.00$25.006/20/2010 4:03:15 AM
maricel10$50.00$50.006/21/2010 2:44:54 AM
changger$50.00$50.006/21/2010 5:43:54 PM
income-fortress$25.00$25.006/22/2010 6:24:29 AM
pureliquidhw$25.00$25.006/22/2010 7:06:49 AM
ethicalhumanist$25.00$25.006/22/2010 2:20:26 PM
brightest-dignified-penny$25.00$25.006/22/2010 4:07:28 PM
lawyervon$25.00$25.006/22/2010 4:11:22 PM
zone6$100.00$100.006/22/2010 7:10:54 PM
jybank$25.00$25.006/22/2010 10:51:46 PM
moola-accelerator6$25.00$25.006/22/2010 9:40:01 PM
prohelper$40.04$40.046/23/2010 6:25:03 AM
lucrative-coin$50.00$50.006/23/2010 7:01:11 AM
daekpon$25.00$25.006/23/2010 8:04:08 AM
ryan6853$25.00$25.006/23/2010 9:24:50 AM
bigb7$27.07$27.076/23/2010 12:32:38 PM
shrewd-income$100.00$100.006/23/2010 4:01:28 PM
53 bids
 
Borrower Payment Dependent Notes Series 463090
This series of Notes was issued and sold upon the funding of the borrower loan #43250, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
Final lender yield: 29.89% Final borrower rate/APR: 30.89% / 33.28% Final monthly payment: $257.64
 
Auction yield range: 16.98% - 34.00% Estimated loss impact: 36.25%  
Lender servicing fee: 1.00% Estimated return: -6.36%  
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-2002 Debt/Income ratio: 6%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:7y 0m
Credit score: 700-719 (Jun-2010) Total credit lines: 8 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $25Stated income:$75,000-$99,999
Amount delinquent: $3 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: twan32 Borrower's state: Georgia Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 11 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,900.00< 31 days late: 0 ( 0% )  
640-659 (May-2009)
620-639 (Sep-2008)
640-659 (Jul-2008)
540-559 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Home Improvement
Purpose of loan:
This loan will be used for Home Improvement for new house.

My Financial situation and Credit:
I just bought a house and the Prosper family help me out with my closing cost in which I paid the prosper loan off completely last year. I am a good candidate for this loan because I am a responsible man who has always paid his bills and just need a little help with things in my new house for my family.

My Prosper Loan will pay the following:
Furniture
House Painting inside and outside

I recently celebrated my 6th year as a Regional Manager with my company so job stability has not been a problem and I received a little raise since my last loan. I currently make a little over $ 72,000.00 per year / $6000.00 a month that is a steady income for me the past 5 years. I make a good salary but I just need a little help with new furniture and house painting.

Monthly expenses:
Housing: $ 1200.00
Car expenses: $ 0, paid off
Insurance: $ 120.00
Bill: $95.00
Utilities: $ 200.00
Phone, cable, Internet: $ 160.00
Food, entertainment: $ 300.00
Clothing, household expenses $ 200.00
Other expenses (including medical & Savings): $ 500.00
Daycare: $200.00

I promise that my payments to Prosper will be a top priority each month like my fist 2 loans with Prosper. In fact, I am going to have Prosper automatically withdraw my payments each month from my bank account so that everyone will know that the payments will be regularly scheduled and on time. I appreciate you taking the time to read my listing I look forward to establishing myself with the Prosper Community and helping others. Thank you and God bless.
Information in the Description is not verified.
Friends And Family Winning Bids
Socorro_Capital_Partners has bid a total of $25.00 in winning bids.
"He has successful repaid previous loans with Prosper and has my full trust he will repay this one. My bid is at the minimum 16.98%."
1 friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q: Hi - can you talk a bit about the "public record" listed from the last 10 years? Thanks. - courteous-bazaar
A: The public record that is listed from the last 10 years is because I had identity theft back in 2003 in which I did not find out until I tried to use my credit in 2006. It was really bad, I could not even get access to my credit because I could not identify any accounts that were listed on the reports so I thought the only way to clear everything off was to file for Bankruptcy in which was the worst decision I could have done but I have learned & recovered from it. Thank you for your support. (Jun-22-2010)
Q: Hi, Why does your Prosper base rating is only 1? Do you have other monthly income in your household? What is your occupation? Thanks. - p2ploan-sensation211
A: Hi, Im not sure why my Prosper base rating is only a 1, I have had 2 loans here from Prosper and paid both loans back in full for both. My wife works part time but she is mostly with our 2 kids. My occupation, I am a Regional Manager for a manufacture, thank you for your support. (Jun-22-2010)
Q: Hi, can you please tell us about your current delinquency of $3. Also, a DTI of 6% implies a monthly debt payment of $360. Your house payment is $1200. Can you please explain? Thanks. - interest88
A: Hi, I pulled my credit report and there is nothing showing me oweing $3, that is strange, im not sure but I will find out to get it cleared. I just purchased my house 2 months ago so the $1200 per month might not show yet, I am paying for our wedding rings per month with our JB Robinson account that is in my wifes name but I added my name for access to the account. Thank you for your support. (Jun-26-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alexgalt$100.00$100.006/22/2010 6:21:33 AM
Socorro_Capital_Partners$25.00$25.006/22/2010 6:15:28 AM
ghinga$25.00$25.006/22/2010 7:51:33 AM
Dorf$25.00$25.006/22/2010 8:36:57 AM
Spring342$25.00$25.006/22/2010 11:33:23 AM
JGuide$25.03$25.036/22/2010 2:28:24 PM
lepolgr$50.00$50.006/22/2010 8:12:14 PM
PXM-Financial$50.00$50.006/22/2010 9:58:07 PM
power-pagoda$50.00$50.006/23/2010 1:44:10 AM
Stegs$50.00$50.006/22/2010 5:30:37 PM
HealthyWealthNow$25.00$25.006/22/2010 8:52:54 PM
daekpon$25.00$25.006/23/2010 7:55:41 AM
greenback-chairman5$32.52$32.526/23/2010 9:05:15 AM
soulblest$132.95$132.956/23/2010 5:20:16 PM
the-serene-transaction$29.93$29.936/23/2010 4:48:15 PM
Kash2010lu$50.00$50.006/23/2010 10:58:30 PM
boo_hoo$50.00$50.006/24/2010 5:00:53 PM
akakii$68.76$68.766/26/2010 12:37:35 PM
RKLFinancial$119.59$119.596/26/2010 2:15:39 PM
phchristensen$50.00$50.006/26/2010 7:30:58 AM
5kids5$25.00$25.006/26/2010 7:53:36 AM
mammalian4$50.00$50.006/26/2010 11:02:11 AM
houli123$193.55$193.556/27/2010 5:07:52 AM
capital-galaxy$250.00$250.006/27/2010 6:08:54 PM
paceme1$30.44$30.446/27/2010 1:01:36 PM
2020$25.00$25.006/28/2010 6:21:18 AM
PeterPsych$300.00$300.006/27/2010 2:39:37 PM
TJGbank$25.00$25.006/27/2010 4:44:01 PM
YoungTaxMan$100.00$100.006/28/2010 8:58:14 AM
tompau$25.00$25.006/28/2010 9:24:08 AM
found$51.46$51.466/28/2010 9:24:38 AM
deal-promiser$50.00$50.006/28/2010 9:31:58 AM
exchange-cowbell5$25.00$25.006/27/2010 6:39:24 PM
onecooldrink$25.00$25.006/27/2010 9:40:40 PM
MrPie$25.95$25.956/28/2010 5:18:44 AM
moose-capital-funding$25.24$25.246/28/2010 9:56:25 AM
jrcctexas25$25.00$25.006/28/2010 8:11:51 AM
debt-legend$25.00$25.006/28/2010 8:22:38 AM
Montiesholdings$25.00$25.006/28/2010 8:26:40 AM
AlexTrep$25.00$25.006/28/2010 9:37:08 AM
ds5184$33.49$33.496/28/2010 8:57:17 AM
BrighterSuns$25.00$25.006/28/2010 11:23:29 AM
dammage$25.00$25.006/28/2010 9:45:44 AM
bonafide-commitment2$25.00$25.006/28/2010 10:58:59 AM
houli123$239.54$239.546/28/2010 11:01:22 AM
Bob450$30.00$30.006/28/2010 12:12:38 PM
worldly-gold$100.00$100.006/28/2010 1:00:22 PM
eboomer2611$25.00$25.006/28/2010 3:06:44 PM
Madmigel$45.18$45.186/28/2010 3:14:55 PM
clemclan$25.00$25.006/28/2010 3:34:47 PM
money-fort$30.00$30.006/28/2010 3:38:12 PM
PotBellyPete$50.00$50.006/28/2010 12:38:21 PM
DasMula$25.00$25.006/28/2010 12:52:13 PM
enthusiastic-balance5$200.00$200.006/28/2010 12:59:08 PM
tacologic$200.00$200.006/28/2010 12:40:09 PM
buyrite334$35.52$35.526/28/2010 12:56:18 PM
Gregger$25.00$25.006/28/2010 1:21:42 PM
HayrideRanch$25.00$25.006/28/2010 2:40:21 PM
friendinmoney$25.00$25.006/28/2010 3:31:38 PM
Ray3486$25.00$25.006/28/2010 3:34:37 PM
dougm$50.00$50.006/22/2010 7:49:58 AM
dudebrah$25.00$25.006/22/2010 7:50:39 AM
money_player$25.00$25.006/22/2010 11:25:22 AM
UncleScroogeDMD$25.00$25.006/22/2010 12:50:11 PM
goodcents$30.00$30.006/22/2010 9:28:40 PM
realtormoises$25.00$25.006/23/2010 6:52:02 AM
riverflow$25.00$25.006/22/2010 8:35:13 PM
SolarMoonshine$50.00$50.006/23/2010 10:12:11 AM
pietro_torna_indietro$35.83$35.836/22/2010 9:40:46 PM
bountiful-community$415.00$137.726/22/2010 10:21:06 PM
publisherptw$25.00$25.006/23/2010 4:36:26 AM
lucrative-loan$50.00$50.006/23/2010 11:54:53 AM
bobnewt$100.00$100.006/23/2010 5:46:15 PM
wlm3012$50.00$50.006/23/2010 6:16:57 PM
thomas16882004$25.00$25.006/23/2010 5:26:18 PM
smart-risk-lender$50.00$50.006/24/2010 12:24:25 AM
first-dinero-igloo$25.00$25.006/25/2010 7:20:04 AM
YurshotCapital$25.00$25.006/24/2010 8:04:04 PM
bull_lender$25.00$25.006/25/2010 7:01:51 AM
loanman2007$200.00$200.006/25/2010 4:40:56 PM
CoolPlexer$25.00$25.006/25/2010 6:15:40 PM
photo999$25.00$25.006/26/2010 3:46:12 AM
autonomous-power$40.00$40.006/26/2010 11:25:53 AM
GS-ROCK$25.00$25.006/26/2010 12:54:57 PM
umwol13$25.00$25.006/27/2010 5:53:52 AM
buvaet$25.00$25.006/27/2010 10:49:57 PM
top-courteous-peso$25.00$25.006/28/2010 7:19:21 AM
Leshan$200.00$200.006/28/2010 7:47:53 AM
marinbb$25.00$25.006/27/2010 5:18:06 PM
note-pursuit$25.00$25.006/28/2010 9:36:17 AM
AlexTrep$25.00$25.006/28/2010 9:36:53 AM
IFGINVEST$53.14$53.146/27/2010 7:47:17 PM
mcshew99$35.36$35.366/27/2010 6:40:21 PM
superb-kindness2$25.00$25.006/27/2010 9:31:34 PM
JGuide$100.08$100.086/27/2010 8:51:23 PM
credit-missile$50.00$50.006/28/2010 7:19:06 AM
draggon77$25.00$25.006/28/2010 8:39:29 AM
vineet$46.78$46.786/28/2010 9:16:14 AM
rbgnr111$25.00$25.006/28/2010 11:23:51 AM
clemclan$25.00$25.006/28/2010 10:18:10 AM
DMKAssetManagement$42.85$42.856/28/2010 11:10:33 AM
grampy48$25.00$25.006/28/2010 1:16:04 PM
Bobusa$25.00$25.006/28/2010 1:28:52 PM
Kash2010lu$35.00$35.006/28/2010 3:31:18 PM
VBPlayer$30.00$30.006/28/2010 11:49:50 AM
brightest-dignified-penny$25.00$25.006/28/2010 12:28:36 PM
icanhasloanz$100.00$100.006/28/2010 12:54:50 PM
icanhasloanz$150.00$150.006/28/2010 12:57:46 PM
SlickNick$25.00$25.006/28/2010 1:53:36 PM
Bantam$50.00$50.006/28/2010 3:29:54 PM
credit-coach118$29.75$29.756/28/2010 3:32:32 PM
gpuck$25.00$25.006/28/2010 3:34:50 PM
doubledb$34.34$34.346/28/2010 3:41:44 PM
113 bids
 
Borrower Payment Dependent Notes Series 463144
This series of Notes was issued and sold upon the funding of the borrower loan #43229, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $30.92
Final lender yield: 6.00% Final borrower rate/APR: 7.00% / 7.34% Final monthly payment: $30.88
 
Auction yield range: 2.98% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1998 Debt/Income ratio: 20%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:9y 10m
Credit score: 720-739 (Jun-2010) Total credit lines: 47 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $15,499Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: TechGuy85204 Borrower's state: Arizona Borrower's group: Geek Power!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 22 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,900.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2008)
720-739 (Oct-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
I may have lost my wedding band....
I may have lost my wedding band and need to replace it quickly. Please help a fellow out and get me some money quickly so I can replace my wedding band before anyone gets the wiser. Especially my wife. I was kayaking down the Salt River and lost it when I went under. I didn't even notice till the middle of the night when I woke up feeling for it with my thumb. If this loan closes quickly I can say I found it laying around somewhere I hadn't looked. Prosper has been good to me in the past and I plan on paying promptly if not sooner as my previous history shows.
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 (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: Yes. My history here with prosper should reflect 2 paid in full and paid early loans. So I promise I will pay it back and probably early. (Jun-26-2010)
Q: Good luck with your listing. Do you anticipate any major life events within the next 12 months? This would include divorce, change in employment or employment status, birth of a child, etc. - CaribbeanBanker
A: No not really. Although that new xbox looks pretty sweet I might save up for that for Christmas. (Jun-26-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Personal-Bond$50.00$50.006/21/2010 4:11:12 PM
wwwUniversal$25.00$25.006/21/2010 4:20:55 PM
dontletmoneyfoolya$50.00$50.006/23/2010 7:45:19 PM
Dollars4Rent$25.00$25.006/24/2010 8:38:00 PM
pinballwizard$25.00$25.006/25/2010 3:49:16 AM
kevdigital$25.00$25.006/26/2010 7:30:26 AM
sflash$30.00$30.006/26/2010 12:21:21 PM
vutah$25.00$25.006/27/2010 2:18:19 PM
Earn_money$25.00$25.006/28/2010 11:54:15 AM
SchaeferJ$25.00$25.006/28/2010 11:25:57 AM
top-courteous-peso$250.00$66.946/28/2010 12:10:23 PM
fortytwo$100.00$100.006/21/2010 4:46:40 PM
TomDalonajay$25.00$25.006/21/2010 4:53:17 PM
RandyL3$33.00$33.006/21/2010 5:01:58 PM
MoneyForNothing$45.06$45.066/21/2010 10:24:13 PM
octoberfresh$25.00$25.006/22/2010 6:28:44 AM
blot44$25.00$25.006/22/2010 7:31:39 AM
cwegert$25.00$25.006/23/2010 9:35:11 AM
dstolars$25.00$25.006/24/2010 8:49:33 AM
Dollars4Rent$25.00$25.006/24/2010 8:38:17 PM
Tiger6543$25.00$25.006/24/2010 9:21:59 PM
Snoopylover$25.00$25.006/25/2010 10:55:19 PM
CaribbeanBanker$25.00$25.006/26/2010 11:35:17 AM
dynamic-fairness$25.00$25.006/26/2010 11:44:34 PM
BlindSquirrel$25.00$25.006/26/2010 11:04:43 AM
BigRango$50.00$50.006/27/2010 3:23:42 AM
alpinaut$25.00$25.006/27/2010 11:46:59 AM
sweety075$25.00$25.006/27/2010 5:17:42 PM
Taien$25.00$25.006/28/2010 11:40:29 AM
REITRUST$25.00$25.006/28/2010 10:36:09 AM
giovani$25.00$25.006/28/2010 12:15:02 PM
31 bids
 
Borrower Payment Dependent Notes Series 463290
This series of Notes was issued and sold upon the funding of the borrower loan #43288, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Jun-18-2010 
  Auction end date:  Jun-25-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $226.18
 
Auction yield range: 16.98% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2008 Debt/Income ratio: 15%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 3Length of status:2y 0m
Credit score: 640-659 (Jun-2010) Total credit lines: 3 Occupation: Other
Now delinquent: 0 Revolving credit balance: $671Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: autonomous-coin9 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
i want to pay my debt and fix car
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $ 795
??Insurance: $ 75
??Car expenses: $ 204
??Utilities: $ 35
??Phone, cable, internet: $ 135
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $40
??Other expenses: $ 40
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, What is your monthly net income? Your Debt to Income ratio is 15%, what debt payments do you have? Thanks and good luck. - interest88
A: my monthly net income is $3000.00 (Jun-23-2010)
Q: Thanks, what debt payments do you have? Good luck. - interest88
A: i have to pay $2500.00 for friend i had borrowed and there is not intrest rate for that money and i want to fix my car and it will coast me arround $ 1000 (Jun-23-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Caerus$25.00$25.006/18/2010 4:30:34 PM
SBT$25.00$25.006/18/2010 4:30:36 PM
svandgts$50.00$50.006/18/2010 4:30:42 PM
famous-bill$50.00$50.006/18/2010 4:34:43 PM
Soxxes$25.00$25.006/18/2010 4:41:17 PM
RMB-Investments$25.00$25.006/18/2010 4:41:21 PM
Ananya$50.00$50.006/18/2010 5:24:39 PM
Artist_Blue$25.00$25.006/18/2010 4:30:49 PM
helping-out$35.00$35.006/18/2010 4:30:44 PM
Buffer10$25.00$25.006/18/2010 4:30:49 PM
loan-genie88$25.00$25.006/18/2010 4:35:14 PM
autonomous-truth$50.00$50.006/18/2010 4:41:52 PM
wcg-nyc$50.00$50.006/19/2010 7:19:30 AM
uncleegg$50.00$50.006/19/2010 7:29:29 AM
azncurls82$62.66$62.666/18/2010 11:26:49 PM
MonkeyB$25.00$25.006/19/2010 3:15:04 AM
Viamin$25.00$25.006/19/2010 1:04:08 PM
TribecaFunding$25.00$25.006/19/2010 1:04:15 PM
SailAwayMoon$25.00$25.006/19/2010 6:20:36 AM
zone8$59.73$59.736/19/2010 12:44:34 AM
djc314$25.00$25.006/19/2010 12:49:53 AM
sensible-order2$25.00$25.006/19/2010 2:30:44 PM
skuba$25.00$25.006/19/2010 11:04:42 AM
yomanie$25.00$25.006/19/2010 8:19:30 PM
selfmademan$25.00$25.006/19/2010 1:21:33 PM
shrewd-peace7$25.00$25.006/19/2010 2:18:40 PM
social-conductor4$25.00$25.006/19/2010 2:31:29 PM
gustavzantanon$25.00$25.006/20/2010 12:15:09 PM
unger$50.00$50.006/20/2010 4:44:50 PM
reflective-rupee$25.00$25.006/20/2010 8:18:57 PM
WorldlyWorker$25.00$25.006/21/2010 12:00:38 AM
inspiring-reward$200.00$200.006/21/2010 4:34:44 AM
kubien$25.00$25.006/21/2010 4:34:45 AM
SolarMoonshine$25.00$25.006/21/2010 9:54:06 AM
well-mannered-income3$25.00$25.006/21/2010 5:10:32 PM
wlm3012$25.00$25.006/23/2010 6:06:01 PM
tcbmc$50.00$50.006/24/2010 8:43:18 AM
buffalobills$25.00$25.006/24/2010 11:46:36 AM
Leshan$25.00$25.006/24/2010 2:13:02 PM
ledesma31$100.00$100.006/24/2010 2:58:56 PM
rjsdsu$25.00$25.006/24/2010 4:42:37 PM
dunrizzo$41.52$41.526/24/2010 7:25:02 PM
auction-mastery$29.30$29.306/24/2010 8:37:58 PM
Elevate2012$25.00$25.006/24/2010 10:04:43 PM
Jrbgood$50.00$50.006/24/2010 7:49:04 PM
order-bee1$50.00$50.006/24/2010 8:59:37 PM
innovator2$50.00$50.006/24/2010 9:41:16 PM
epic-payout$61.73$61.736/25/2010 7:33:34 AM
money-boomarang$25.00$25.006/25/2010 12:57:38 PM
Rogelio48$35.00$35.006/25/2010 2:44:48 PM
jules3304$25.00$25.006/25/2010 2:07:19 PM
leslends$25.00$25.006/25/2010 3:59:06 PM
gain-implementer$580.00$580.006/25/2010 4:06:22 PM
JiggaJoeyS$29.39$29.396/25/2010 3:37:45 PM
bid-caballero$31.33$31.336/25/2010 3:45:37 PM
PRGuyinVA$25.00$25.006/18/2010 4:30:35 PM
Diamond_Jim$25.00$25.006/18/2010 4:30:38 PM
burrito6$25.00$25.006/18/2010 4:41:20 PM
simplelender80$50.00$50.006/18/2010 4:30:40 PM
zone6$100.00$100.006/18/2010 4:30:45 PM
green-thoughtful-yield$50.00$50.006/18/2010 4:30:33 PM
comicdoc$25.00$25.006/18/2010 8:39:30 PM
treasure-hunter270$25.00$25.006/18/2010 4:30:39 PM
Aleut$25.00$25.006/18/2010 4:30:46 PM
kind-efficient-credit$25.00$25.006/18/2010 4:30:47 PM
AlexTrep$25.00$25.006/18/2010 4:35:50 PM
handy-justice$28.50$28.506/18/2010 4:41:16 PM
friendly-worth3$25.00$25.006/18/2010 4:41:42 PM
nybanker85$42.13$42.136/18/2010 11:44:33 PM
LuvToLend$25.00$25.006/19/2010 1:04:13 PM
charlieok$25.00$25.006/19/2010 1:20:49 PM
terrific-fund5$25.00$25.006/18/2010 11:09:33 PM
ingenious-deal6$25.00$25.006/19/2010 2:31:04 PM
108lender$25.00$25.006/19/2010 9:35:50 AM
nanda$25.00$25.006/19/2010 1:35:52 PM
imlosttoo$25.00$25.006/19/2010 1:48:44 PM
IIP77$25.00$25.006/19/2010 1:21:12 PM
gotjack$25.00$25.006/19/2010 1:48:58 PM
Gibbyland$36.30$36.306/19/2010 2:06:36 PM
r0b3m4n$25.00$25.006/20/2010 9:54:44 AM
rock-turner$25.00$25.006/19/2010 2:31:59 PM
veneziani$25.00$25.006/19/2010 8:19:31 PM
tjone69$30.00$30.006/19/2010 8:19:29 PM
Rogesparkguy$25.00$25.006/20/2010 10:39:50 AM
S-Master$25.00$25.006/21/2010 4:34:43 AM
econgineer$25.00$25.006/21/2010 8:52:02 AM
swoosh$25.00$25.006/21/2010 4:34:48 AM
gelidfrank$25.00$25.006/21/2010 4:34:41 AM
genuine-responsibility8$50.00$4.396/21/2010 4:34:51 AM
realtormoises$25.00$25.006/21/2010 6:55:53 AM
coasterman$25.00$25.006/23/2010 8:00:01 PM
first-dinero-igloo$25.00$25.006/24/2010 7:08:26 AM
squarebob$25.00$25.006/24/2010 11:05:53 AM
marwadi-62$25.00$25.006/24/2010 8:14:32 PM
order-bee1$250.00$250.006/24/2010 8:59:06 PM
YoungTaxMan$50.00$50.006/24/2010 9:19:03 PM
nodebt2012$25.00$25.006/24/2010 10:17:13 PM
nilonc1$50.00$50.006/25/2010 2:40:06 AM
LeoBUSIIT$25.00$25.006/25/2010 7:21:55 AM
principal-laser$65.00$65.006/25/2010 8:12:42 AM
Miklot$73.02$73.026/25/2010 9:10:13 AM
IASKGOD$25.00$25.006/25/2010 8:47:33 AM
asset-trumpeter$25.00$25.006/25/2010 2:41:59 PM
lucky2$25.00$25.006/25/2010 3:01:13 PM
order-bee1$350.00$350.006/25/2010 4:02:26 PM
shneb$50.00$50.006/25/2010 10:40:37 AM
gjm6d$25.00$25.006/25/2010 2:13:47 PM
Rip128$100.00$100.006/25/2010 2:13:00 PM
responsibility-blanket6$25.00$25.006/25/2010 3:12:45 PM
moola-accelerator6$30.00$30.006/25/2010 2:44:28 PM
dws2380$25.00$25.006/25/2010 2:47:19 PM
AtlantistoXanadu$50.00$50.006/25/2010 4:13:08 PM
112 bids
 
Borrower Payment Dependent Notes Series 463328
This series of Notes was issued and sold upon the funding of the borrower loan #43309, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,900.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 33.15% Starting borrower rate/APR: 34.15% / 36.59% Starting monthly payment: $129.79
Final lender yield: 27.45% Final borrower rate/APR: 28.45% / 30.81% Final monthly payment: $120.66
 
Auction yield range: 13.98% - 33.15% Estimated loss impact: 15.25%  
Lender servicing fee: 1.00% Estimated return: 12.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:8y 10m
Credit score: 640-659 (Jun-2010) Total credit lines: 30 Occupation: Waiter/Waitress
Now delinquent: 0 Revolving credit balance: $14,243Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: elsteel 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 historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
620-639 (Jun-2008)
 
Principal balance: $784.80 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Second Prosper Loan
Purpose of loan:
This loan will be used to pay off a high interest credit card.
My financial situation:
I am a good candidate for this loan because this is my second prosper loan and I have a good payment history.
Monthly net income: $ 2000

Monthly expenses: $ 1500
??Housing: $ 315.00 (boyfriend pays other half and have lived at apartment for 6 years+)
??Insurance: $ 70
??Car expenses: $?100 (car is paid off)
??Utilities: $ 50
??Phone, cable, internet: $?115
?Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: 30% + seems a very high interest rate at which to consolidate debt. The previous loan you received from Prosper was at a much more reasonable 13% rate. Just curious, what is the interest rate of the debt you are trying to consolidate? Thanks. - green-rapid-openness
A: My first loan was bid down to that rate. I was hoping that this loan would also be bid down. My interest rate is 31.99%. (Jun-23-2010)
Q: Thanks for your reply. It is unlikely the interest on this loan will match the low interest you got last time since now your Prosper rating is E and before it was C. Would you withdraw this loan if the interest is more than 31% ? - green-rapid-openness
A: I was a D rating before (because the loan was a smaller amount) and I was lucky to get the rate I got. I prefer an installment loan and my bank card utilization hurts my credit score, so I will not withdraw my listing. I do hope that my rate will at least get bid down some. By the way, my starting rate was what prosper recommended. (Jun-23-2010)
Q: Hi, Are your job and your relationship w/your boyfriend stable? Does he pay other household expenses? Thanks, - p2ploan-sensation211
A: My relationship with my boyfriend is stable. We are going to have a small wedding later this year. I am trying to get my credit cards and credit score in order so we can get a house in a few years. He pays half the cable, rent, and electricity (wich are not that high). I am able to meet my expenses without him, which I did for over 5 years when I was single. (Jun-24-2010)
Q: Other than your wedding, do you anticipate any major life event in the next 12 months? This would include a change in job or employment status, any major purchases (car-size and bigger), declaring bankruptcy, etc. Thanks and good luck. - CaribbeanBanker
A: i do not plan on any other major life event in the next 12 months. My car is in good working order and I only drive it about 50 miles a week if that. I do not plan on changing jobs. There is no reason for me to declare bankruptcy. I am able to pay my bills on time and would not want to hurt my credit score. (Jun-26-2010)
Q: What is the total balance on the credit card(s) that you're consolidating? - CaribbeanBanker
A: The total balance is 2815. I asked for 2900 because after the fees that would leave just enough to pay it off. (Jun-26-2010)
5 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
realtormoises$25.00$25.006/22/2010 4:37:45 PM
wlm3012$25.00$25.006/23/2010 8:10:14 AM
trainu$90.24$90.246/24/2010 1:31:53 PM
StargazerLending$25.00$25.006/24/2010 4:38:45 PM
cobramonkey$50.00$50.006/25/2010 11:39:14 AM
eboomer2611$25.00$25.006/25/2010 10:18:32 PM
wlm3012$25.00$25.006/26/2010 11:28:14 AM
MattProsper$30.00$30.006/27/2010 12:19:39 PM
BankofBadHabits$25.00$25.006/27/2010 12:04:32 PM
enthusiastic-balance5$200.00$200.006/28/2010 9:51:44 AM
Core-Marketing$50.00$50.006/28/2010 5:50:41 PM
Loanstou$100.00$100.006/28/2010 6:12:28 PM
DasMula$25.00$25.006/28/2010 8:10:46 PM
DasMula$25.00$25.006/28/2010 8:11:18 PM
Feyenoord$40.24$40.246/28/2010 8:46:04 PM
vigilance-searcher$25.00$25.006/28/2010 9:57:56 PM
lookin_up$50.00$50.006/29/2010 5:28:51 AM
MrPie$25.00$25.006/29/2010 7:57:33 AM
Hobson$25.00$25.006/29/2010 7:13:48 AM
goodhearted-basis4$25.00$25.006/29/2010 9:47:59 AM
coasterman$25.00$25.006/29/2010 8:56:53 AM
bull_lender$25.00$25.006/29/2010 9:48:27 AM
Leshan$200.00$200.006/29/2010 7:56:08 AM
trade-elm$25.00$25.006/29/2010 8:34:50 AM
order-bee1$350.00$350.006/29/2010 9:46:52 AM
lucrative-loan$50.00$9.236/22/2010 10:10:31 AM
Kash2010lu$35.00$35.006/22/2010 4:20:23 PM
green-rapid-openness$100.00$100.006/23/2010 12:11:24 PM
scratch4you$25.00$25.006/23/2010 4:33:07 PM
frogperson$50.00$50.006/24/2010 9:07:41 AM
AlexTrep$25.00$25.006/24/2010 9:51:06 PM
FinanceEngine$25.00$25.006/25/2010 9:42:36 AM
mammalian4$50.00$50.006/26/2010 12:32:23 PM
boo_hoo$50.00$50.006/26/2010 3:13:59 AM
exchange-cowbell5$25.00$25.006/27/2010 6:30:23 PM
spike22$25.00$25.006/27/2010 11:37:42 AM
investment-cluster$50.00$50.006/27/2010 2:51:15 PM
new-peso-concerto$75.00$75.006/28/2010 8:42:45 AM
income-rocker2$50.00$50.006/28/2010 9:27:22 AM
eboomer2611$25.00$25.006/28/2010 3:11:32 PM
coyone$40.40$40.406/28/2010 4:07:31 PM
DCsource$25.00$25.006/28/2010 4:55:27 PM
DasMula$25.00$25.006/28/2010 8:11:00 PM
micsupra$36.04$36.046/28/2010 7:06:54 PM
ALFLoan$25.00$25.006/28/2010 7:15:15 PM
hektek22$300.00$300.006/28/2010 10:13:40 PM
khamlagirl$25.00$25.006/28/2010 8:12:10 PM
KLcapital$25.00$25.006/28/2010 8:26:49 PM
kendigme$25.00$25.006/29/2010 3:35:07 AM
Mikale360$25.00$25.006/29/2010 6:59:04 AM
Flshedman$50.00$50.006/29/2010 7:08:06 AM
ZOOOM$25.00$25.006/29/2010 8:10:39 AM
worthy-bid4$25.00$25.006/29/2010 8:20:22 AM
Skeptical-one$25.00$25.006/29/2010 8:15:51 AM
Rulea72$40.32$40.326/29/2010 7:37:01 AM
msgslg68$28.53$28.536/29/2010 9:47:25 AM
56 bids
 
Borrower Payment Dependent Notes Series 463348
This series of Notes was issued and sold upon the funding of the borrower loan #43209, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $63.79
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $63.79
 
Auction yield range: 3.98% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1982 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 22 / 21Length of status:24y 9m
Credit score: 700-719 (Jun-2010) Total credit lines: 72 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $34,816Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: imsure Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2008)
 
Principal balance: $1,924.22 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Equipment to expand business
Purpose of loan:
This loan will be used to? Buy more equipment for my business.? Prosper has been good to me.

My financial situation:
I am a good candidate for this loan because? I pay my bills on time. I have had financial troubles in the past?but I paid my bills?by getting an extra job.? What ever I had to do to keep the bills paid. Of course, I am tired, sometimes working 3 jobs.? But, as long as my health allows it.? I am determined to do the right thing. I presently am paying on a prosper loan no problem with 1 year to go.? I was turned down for a loan last week only a few believed in me.? So I have put in all my income and I have lowered the amount that I need. So maybe this time I will get funded. Two years ago I got funded in 3 days.? This is a sign of the times everybody's scared. Prosper is the only one that I can depend on and if I don't get funded this time that's ok. I will always look to GOD for help and he will see me through.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: Hi Toastmaster007, I have been in Dallas for the last week, just got back at 2:30 this morning. I just checked my account and got 100% funded. I'll answer your I have never filed bankruptcy, I always pay my bill no matter what. I have a loan with prosper and they deduct my payments every month. I will have it paid by August 2011 if not sooner. Yes, I can truly say I will promise to pay this back - NO MATTER WHAT. Thanks if you help funded me I have not checked yet. I too am a lender. (Jun-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hrubinst$25.00$25.006/21/2010 3:56:00 PM
yield-seeker$25.00$25.006/21/2010 4:06:48 PM
orgy63$25.00$25.006/21/2010 3:55:27 PM
american6$25.00$25.006/21/2010 3:56:32 PM
Avala$50.00$50.006/21/2010 3:56:14 PM
SNH$50.00$50.006/21/2010 4:19:56 PM
delicious-social132$25.00$25.006/21/2010 5:07:26 PM
AF-Chief$27.00$27.006/21/2010 5:09:37 PM
holstj$25.00$25.006/21/2010 7:00:11 PM
ddog0224$25.00$25.006/21/2010 8:19:53 PM
Syndication$25.00$25.006/21/2010 5:07:17 PM
peb44$50.00$50.006/21/2010 5:08:59 PM
BooFoo22$25.00$25.006/21/2010 5:09:42 PM
Aberdeen$400.00$400.006/21/2010 8:29:34 PM
nikkiesgrandma$50.00$50.006/22/2010 5:34:31 AM
new-return-faire$41.15$41.156/21/2010 11:39:42 PM
tech310$50.00$50.006/22/2010 12:19:41 AM
balanced-bill7$30.67$30.676/22/2010 3:10:45 AM
Comoparklender$30.00$30.006/22/2010 7:15:25 AM
PalmerTheEmbalmer$25.00$25.006/26/2010 8:23:18 PM
orderly-loot$25.00$25.006/21/2010 4:07:02 PM
studious-bonus7$50.00$50.006/21/2010 3:55:44 PM
treasure-hunter270$25.00$25.006/21/2010 3:57:16 PM
personal-lender$25.00$25.006/21/2010 3:57:53 PM
Havana21$25.00$25.006/21/2010 3:59:20 PM
riproaringrapids$25.00$25.006/21/2010 4:03:42 PM
the-transaction-stronghold$25.00$25.006/21/2010 4:24:10 PM
bchen78875$25.00$25.006/21/2010 4:10:27 PM
bountiful-durability$100.00$100.006/21/2010 5:05:20 PM
UT-Longhorn$25.00$25.006/21/2010 5:08:09 PM
ichibon$75.00$75.006/21/2010 5:07:34 PM
relentless-penny$25.00$25.006/21/2010 5:07:46 PM
successful-euro$30.00$30.006/21/2010 5:08:00 PM
loot-heart$50.00$50.006/21/2010 5:10:23 PM
bonus-acrobat$50.00$50.006/21/2010 7:55:29 PM
the-profit-oracle$25.00$25.006/21/2010 8:29:33 PM
new-social-economist$25.00$25.006/21/2010 10:10:05 PM
syounker$25.00$25.006/22/2010 6:54:40 AM
BuffetRocks$50.00$50.006/21/2010 10:22:28 PM
head$25.00$25.006/22/2010 2:19:37 AM
zaxsan$25.00$25.006/22/2010 4:24:55 AM
cash-spark3$25.00$16.186/22/2010 7:19:33 AM
wwwUniversal$25.00$25.006/22/2010 10:50:36 AM
colorfulgardener$25.00$25.006/25/2010 11:09:02 PM
sprinkler5$25.00$25.006/26/2010 4:13:44 PM
lucrative-coin$50.00$50.006/26/2010 8:03:29 AM
grampy48$25.00$25.006/28/2010 1:23:39 PM
SpotLending$50.00$50.006/28/2010 1:40:51 PM
48 bids
 
Borrower Payment Dependent Notes Series 463362
This series of Notes was issued and sold upon the funding of the borrower loan #43235, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $11,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 22.55% Starting borrower rate/APR: 23.55% / 25.84% Starting monthly payment: $428.97
Final lender yield: 22.55% Final borrower rate/APR: 23.55% / 25.84% Final monthly payment: $428.97
 
Auction yield range: 7.98% - 22.55% Estimated loss impact: 7.53%  
Lender servicing fee: 1.00% Estimated return: 15.02%  
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-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:3y 0m
Credit score: 760-779 (Jun-2010) Total credit lines: 53 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,897Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: drummermarco Borrower's state: Pennsylvania Borrower's group: Pittsburgh / Western Pennsylvania
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
Payoff card and increase inventory
Purpose of loan:
This loan will be used to?pay off one credit card with a $6500 balance and use the balance to purchase more inventory.? My used furniture business is doing?well but could do better if I had a better selection.?
My financial situation:
I am a good candidate for this loan because? my credit score is high,?my bills are always paid early, and my business is successful.? I also?am a homeowner, owned?free and clear without debt?with my only real estate liability being property tax escrow.? I am also a Prosper investor,?so a portion of my?loan payments will be coming from the payments that I am receiving for loans that I helped to fund.???

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 90
??Car expenses: $ 450
??Utilities:?$?150
??Phone, cable, internet: $ 220
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
orgy63$25.00$25.006/21/2010 3:55:26 PM
hrubinst$25.00$25.006/21/2010 3:56:01 PM
Avala$50.00$50.006/21/2010 3:56:13 PM
ichibon$43.01$43.016/21/2010 4:04:14 PM
yield-seeker$25.00$25.006/21/2010 4:06:48 PM
treasure-hunter270$25.00$25.006/21/2010 3:57:15 PM
Thylow$25.00$25.006/21/2010 4:07:33 PM
GlowHost$50.00$50.006/21/2010 4:20:57 PM
new-social-economist$25.00$25.006/21/2010 5:03:55 PM
successful-euro$32.00$32.006/21/2010 5:05:56 PM
peb44$50.00$50.006/21/2010 5:08:59 PM
bonus-patriot$25.00$25.006/21/2010 4:58:19 PM
syounker$25.00$25.006/21/2010 5:03:35 PM
BooFoo22$25.00$25.006/21/2010 5:09:41 PM
generous-deal6$25.00$25.006/21/2010 5:09:07 PM
AF-Chief$28.00$28.006/21/2010 5:09:36 PM
flexible-return297$25.00$25.006/21/2010 5:10:45 PM
reflective-rupee$100.00$100.006/21/2010 8:31:50 PM
nikkiesgrandma$50.00$50.006/22/2010 5:34:31 AM
the-profit-oracle$25.00$25.006/21/2010 10:36:29 PM
tech310$50.00$50.006/22/2010 12:19:40 AM
head$25.00$25.006/22/2010 2:19:38 AM
zaxsan$25.00$25.006/22/2010 4:24:55 AM
surfhoss644$50.00$50.006/22/2010 7:54:29 AM
peso-windmill$50.00$50.006/22/2010 9:34:46 AM
Tc11902$25.00$25.006/22/2010 1:00:10 PM
ommcd$25.00$25.006/22/2010 3:41:28 PM
bodascafe$25.00$25.006/23/2010 9:51:09 AM
Headhunter14$25.00$25.006/22/2010 8:19:34 PM
muzicman$50.00$50.006/23/2010 10:08:27 AM
brazilofmux$76.13$76.136/23/2010 10:25:26 AM
blackstar$25.00$25.006/23/2010 8:04:49 AM
ALVO$50.12$50.126/23/2010 11:10:07 AM
nolahelper$25.00$25.006/23/2010 11:10:22 AM
penny-surgeon$25.00$25.006/23/2010 9:21:17 AM
DadWarbucks$25.00$25.006/23/2010 9:40:47 AM
MrBadExample$41.00$41.006/23/2010 12:57:12 PM
IIP77$25.00$25.006/23/2010 10:23:46 AM
mmckune$25.00$25.006/23/2010 10:41:23 AM
don8ter$25.00$25.006/23/2010 10:48:56 AM
iceberg982362$25.00$25.006/23/2010 11:49:28 AM
nanda$25.00$25.006/23/2010 1:09:44 PM
Dahlozer$25.00$25.006/23/2010 1:34:40 PM
lagnisiruk$25.00$25.006/23/2010 1:34:45 PM
tjone69$30.00$30.006/23/2010 1:43:17 PM
szetowski$25.00$25.006/23/2010 3:19:28 PM
biobulator$25.00$25.006/24/2010 10:24:32 AM
nestegg4e$25.00$25.006/24/2010 7:15:34 AM
first-upright-payout$25.00$25.006/24/2010 11:47:18 AM
cassius84$25.00$25.006/24/2010 9:50:26 AM
PatRichi$25.00$25.006/24/2010 10:03:08 AM
finance-solo$25.00$25.006/24/2010 10:38:00 AM
well-mannered-income3$50.00$50.006/24/2010 1:47:01 PM
Sol_Invictus$25.00$25.006/24/2010 5:04:44 PM
YurshotCapital$45.00$45.006/24/2010 8:15:11 PM
loan-kung-fu$25.00$25.006/24/2010 9:22:47 PM
Max8319$25.00$25.006/24/2010 7:24:41 PM
happyface$50.00$50.006/24/2010 8:01:45 PM
BrighterSuns$25.00$25.006/25/2010 8:48:40 AM
PHI4308$25.00$25.006/24/2010 9:49:04 PM
outtahoth2o$49.31$49.316/24/2010 9:50:02 PM
decisive-capital$25.00$25.006/24/2010 9:54:29 PM
omerta6102$50.00$50.006/25/2010 9:38:28 AM
kmwvma$25.00$25.006/25/2010 10:20:22 AM
assetmanager$25.00$25.006/25/2010 6:29:29 AM
mizount$25.00$25.006/25/2010 1:54:55 PM
rmachi$25.00$25.006/25/2010 10:42:14 PM
Sixmil$25.00$25.006/25/2010 10:56:22 PM
mistertao$25.00$25.006/25/2010 11:25:19 PM
dermit$25.00$25.006/26/2010 4:29:20 AM
Pu239$60.00$60.006/26/2010 7:15:21 AM
cingular$25.00$25.006/25/2010 9:34:48 PM
bid-czar8$100.00$100.006/26/2010 9:55:31 AM
ualf$28.32$28.326/25/2010 10:54:34 PM
mckhbnpc$30.00$30.006/26/2010 11:16:14 AM
lostontheedge$25.00$25.006/25/2010 11:24:43 PM
seattleslug$25.00$25.006/25/2010 11:24:50 PM
slyder61$25.00$25.006/25/2010 11:24:53 PM
flwah$25.00$25.006/25/2010 11:25:32 PM
somebody32$25.00$25.006/25/2010 11:44:24 PM
trustworthy-fairness$50.00$50.006/26/2010 4:59:40 AM
credit-maverick1$100.00$100.006/26/2010 5:34:28 AM
DasMula$25.00$25.006/26/2010 7:21:42 PM
mrxtravis$45.84$45.846/26/2010 7:22:17 AM
All_Wins$25.00$25.006/27/2010 6:24:44 AM
wonder3$25.00$25.006/27/2010 8:22:13 AM
benevolent-benefit$25.00$25.006/26/2010 12:52:22 PM
dynrep$25.00$25.006/26/2010 2:26:53 PM
1800porsche$25.00$25.006/26/2010 2:39:50 PM
LahnDi$25.00$25.006/26/2010 5:19:53 PM
AgTiPinisher$25.00$25.006/26/2010 11:37:38 PM
TBONE2008$50.00$50.006/27/2010 2:00:49 AM
credit-tornado689$25.00$25.006/27/2010 7:51:34 AM
TURNTEX75$25.00$25.006/27/2010 8:29:25 AM
Galdis$25.00$25.006/27/2010 8:27:31 AM
silvercertificate$25.00$25.006/27/2010 8:54:53 PM
theaterguy$25.00$25.006/27/2010 10:59:24 AM
MattProsper$75.00$75.006/27/2010 12:12:19 PM
leverage-monger$25.00$25.006/28/2010 7:15:08 AM
Miklot$138.22$138.226/28/2010 7:23:29 AM
Karey$25.00$25.006/28/2010 9:18:56 AM
jplatypus$25.00$25.006/27/2010 5:04:30 PM
goldlender$28.23$28.236/27/2010 8:38:13 PM
thorough-exchange4$25.00$25.006/27/2010 8:39:44 PM
gjm6d$25.00$25.006/27/2010 8:43:14 PM
buvaet$25.00$25.006/27/2010 10:55:49 PM
Cre8iveCash$25.00$25.006/27/2010 10:59:55 PM
treasure-generator$25.00$25.006/27/2010 9:16:44 PM
hayhelp$25.00$25.006/28/2010 5:54:46 AM
five-star-justice$36.00$36.006/28/2010 5:54:58 AM
calbertrand$50.00$50.006/28/2010 10:27:24 AM
bughead$25.00$25.006/28/2010 10:42:58 AM
srthsvghdthtr$25.00$25.006/28/2010 9:35:08 AM
bullwink27$25.00$25.006/28/2010 8:24:26 AM
Occhy$25.00$25.006/28/2010 8:40:35 AM
reflective-rupee$2,000.00$646.996/28/2010 9:32:45 AM
wwwUniversal$25.00$25.006/28/2010 9:37:43 AM
nalaari$35.10$35.106/28/2010 11:41:24 AM
principal-star$25.00$25.006/28/2010 10:02:37 AM
zztopdog$25.00$25.006/28/2010 3:53:06 PM
Bob450$25.00$25.006/28/2010 12:11:13 PM
brightest-dignified-penny$25.00$25.006/28/2010 12:33:41 PM
enthusiastic-point$25.00$25.006/28/2010 1:17:54 PM
Hatdance$25.00$25.006/28/2010 3:09:07 PM
124SpiderMan$50.00$50.006/28/2010 2:10:48 PM
shrewd-income$100.00$100.006/28/2010 2:25:27 PM
worldly-gold$50.00$50.006/28/2010 3:49:40 PM
Engineer44$25.00$25.006/28/2010 3:53:41 PM
personal-lender$25.00$25.006/21/2010 3:57:54 PM
Havana21$25.00$25.006/21/2010 3:59:19 PM
studious-bonus7$50.00$50.006/21/2010 3:55:41 PM
american6$25.00$25.006/21/2010 3:56:31 PM
simplelender80$100.00$100.006/21/2010 3:57:22 PM
riproaringrapids$25.00$25.006/21/2010 4:03:42 PM
orderly-loot$25.00$25.006/21/2010 4:07:02 PM
bchen78875$25.00$25.006/21/2010 4:10:29 PM
SNH$50.00$50.006/21/2010 4:19:56 PM
the-transaction-stronghold$25.00$25.006/21/2010 4:24:10 PM
Easystreet$25.00$25.006/21/2010 4:55:14 PM
ddog0224$25.00$25.006/21/2010 5:09:58 PM
BuffetRocks$50.00$50.006/21/2010 4:57:42 PM
loot-heart$50.00$50.006/21/2010 5:10:22 PM
justice-clipper$50.00$50.006/21/2010 5:04:05 PM
bountiful-durability$100.00$100.006/21/2010 5:05:19 PM
balanced-bill7$25.00$25.006/21/2010 7:25:40 PM
relentless-penny$25.00$25.006/21/2010 5:07:45 PM
UT-Longhorn$25.00$25.006/21/2010 5:08:09 PM
holstj$25.00$25.006/21/2010 5:07:43 PM
Trakissta$100.00$100.006/21/2010 9:26:44 PM
cash-spark3$25.00$25.006/21/2010 5:10:53 PM
new-return-faire$50.00$50.006/21/2010 5:10:38 PM
bonus-acrobat$50.00$50.006/21/2010 7:55:29 PM
gracej$25.00$25.006/22/2010 5:24:47 AM
enthralling-deal180$100.00$100.006/22/2010 9:35:12 AM
Comoparklender$30.00$30.006/22/2010 7:15:25 AM
pavelz$50.00$50.006/22/2010 9:48:09 AM
power-fate3$50.00$50.006/22/2010 9:35:09 AM
velocity-warrior$50.00$50.006/22/2010 9:47:20 AM
shrewd-truth1$25.00$25.006/22/2010 9:47:51 AM
radforj22$25.00$25.006/22/2010 10:55:11 AM
davidmanheim$25.00$25.006/22/2010 4:11:37 PM
the-silver-blaster$40.00$40.006/22/2010 4:55:41 PM
Artist_Blue$25.00$25.006/22/2010 3:54:04 PM
LenderByDay$25.00$25.006/22/2010 4:09:55 PM
Clambake$50.00$50.006/23/2010 10:24:50 AM
Dan12781$25.00$25.006/23/2010 7:10:49 AM
apetrock$50.00$50.006/23/2010 11:09:41 AM
Billfred$25.00$25.006/23/2010 11:10:10 AM
ohnezweck$25.00$25.006/23/2010 11:54:29 AM
Breakfast_Gypsy$25.00$25.006/23/2010 9:39:31 AM
Danfromnapa$50.00$50.006/23/2010 1:10:22 PM
treasure-chestnut$50.00$50.006/23/2010 10:47:44 AM
market-pudding$25.00$25.006/23/2010 11:02:26 AM
mikeandcat$50.00$50.006/23/2010 12:04:29 PM
beakerfish$274.34$274.346/23/2010 12:14:34 PM
flexible-value$26.00$26.006/23/2010 1:34:43 PM
Binan$25.00$25.006/23/2010 1:34:48 PM
teejay411$100.00$100.006/23/2010 1:09:38 PM
loan-genie88$25.00$25.006/23/2010 1:49:35 PM
bigphish$25.00$25.006/23/2010 2:29:42 PM
fareast_man$25.00$25.006/23/2010 2:29:55 PM
alpinaut$25.00$25.006/24/2010 5:21:06 AM
zone6$150.00$150.006/23/2010 7:31:21 PM
Felix14$55.00$55.006/23/2010 7:35:25 PM
the-payout-hug$25.00$25.006/24/2010 8:26:45 AM
dickfore$25.00$25.006/24/2010 9:42:39 AM
green-penny-finder$25.00$25.006/24/2010 9:44:28 AM
dollar-oracle55$25.00$25.006/24/2010 9:50:36 AM
nodrivelpls$25.00$25.006/24/2010 9:51:32 AM
BrooklynJim$25.00$25.006/24/2010 9:56:38 AM
kind-bill-supporter$25.00$25.006/24/2010 10:21:25 AM
life-is-great$25.00$25.006/24/2010 10:39:51 AM
leverage-oasis$25.00$25.006/24/2010 4:00:17 PM
successful-agreement7$50.00$50.006/24/2010 2:25:23 PM
Max8319$25.00$25.006/24/2010 7:25:52 PM
KiwiElf$25.00$25.006/24/2010 4:22:47 PM
get30inc$25.00$25.006/24/2010 9:59:54 PM
TEAM-Jasper$25.00$25.006/24/2010 4:23:45 PM
How$25.00$25.006/24/2010 5:19:31 PM
Superc0ld$29.42$29.426/24/2010 9:35:22 PM
money2k$25.00$25.006/24/2010 9:35:28 PM
SCTrojangirl$25.00$25.006/25/2010 11:05:12 AM
ddibernardo$25.00$25.006/25/2010 12:19:45 PM
Heiko$25.00$25.006/25/2010 9:36:47 AM
Tradesmanlender$25.00$25.006/25/2010 9:37:40 AM
MrCoffee$37.84$37.846/25/2010 10:31:29 AM
dadalou$25.00$25.006/25/2010 1:30:18 PM
houli123$49.83$49.836/25/2010 6:23:12 PM
Interloper$25.63$25.636/25/2010 10:54:41 PM
Cutts$25.00$25.006/25/2010 11:09:49 PM
MrBadExample$399.00$399.006/26/2010 10:58:57 AM
jblack01$25.00$25.006/26/2010 11:09:43 AM
fireboss$60.75$60.756/25/2010 11:25:48 PM
dynrep$25.00$25.006/26/2010 2:26:37 PM
E-B$50.00$50.006/26/2010 3:44:41 AM
OnePoorDude$25.40$25.406/26/2010 7:37:10 PM
kmr2$25.00$25.006/26/2010 8:19:39 PM
silver-boots$50.00$50.006/26/2010 6:45:22 AM
a-finance-nirvana$25.00$25.006/26/2010 7:15:20 AM
gristle$25.00$25.006/26/2010 11:45:06 PM
leverage-monger$25.00$25.006/26/2010 9:31:29 AM
AM2008$25.00$25.006/27/2010 7:05:25 AM
kashikoe$25.00$25.006/26/2010 12:59:28 PM
dynrep$50.00$50.006/26/2010 2:27:14 PM
payment-halo$25.00$25.006/26/2010 3:04:49 PM
marinade$25.00$25.006/26/2010 5:21:08 PM
worldly-gold$50.00$50.006/26/2010 7:58:40 PM
compatible-diversification$25.00$25.006/27/2010 2:49:42 PM
investment-cluster$50.00$50.006/27/2010 2:53:40 PM
Red4Golf$25.00$25.006/26/2010 11:44:50 PM
DaveG56313$25.00$25.006/26/2010 11:45:02 PM
umwol13$25.00$25.006/27/2010 5:56:36 AM
Quid-Pro-Quo$34.96$34.966/27/2010 6:48:12 AM
mpactlender$25.00$25.006/27/2010 6:54:43 AM
selfmademan$25.00$25.006/27/2010 5:04:46 PM
wise-silver-wonder$25.00$25.006/27/2010 5:04:48 PM
ConcreteOne$25.00$25.006/27/2010 7:10:02 AM
DrWill$26.70$26.706/27/2010 8:31:52 AM
hektek22$300.00$300.006/27/2010 9:10:28 AM
Bob450$40.00$40.006/27/2010 11:46:11 AM
BuzzyBee336$30.00$30.006/27/2010 10:29:39 AM
1traveler$25.00$25.006/27/2010 10:39:25 PM
topher515$25.00$25.006/27/2010 12:09:32 PM
AlexTrep$25.00$25.006/27/2010 1:26:33 PM
reflective-rupee$200.00$200.006/28/2010 5:46:28 AM
zeelender$25.00$25.006/28/2010 5:55:32 AM
awwaaww$65.00$65.006/28/2010 8:31:13 AM
mizunoman$25.00$25.006/27/2010 5:04:37 PM
Bob450$25.00$25.006/27/2010 6:20:47 PM
bazaar-tulip$25.00$25.006/27/2010 9:16:43 PM
reflective-rupee$100.00$100.006/28/2010 5:47:33 AM
Leshan$100.00$100.006/28/2010 7:54:19 AM
rate-hickory$25.00$25.006/28/2010 9:01:33 AM
tomoe$25.00$25.006/28/2010 9:14:54 AM
rbgnr111$25.00$25.006/28/2010 11:27:30 AM
strutter$25.00$25.006/28/2010 10:04:19 AM
JGuide$26.38$26.386/28/2010 10:51:09 AM
SFBank$88.48$88.486/28/2010 11:11:15 AM
sharp518$25.00$25.006/28/2010 12:23:19 PM
beachfunder$25.00$25.006/28/2010 11:26:08 AM
trumpeter5$25.00$25.006/28/2010 11:52:34 AM
easylivin$25.00$25.006/28/2010 3:43:08 PM
VBPlayer$25.00$25.006/28/2010 11:57:55 AM
patriot384$117.00$117.006/28/2010 2:09:22 PM
partyplan$25.00$25.006/28/2010 1:29:25 PM
auction-seeker$25.00$25.006/28/2010 3:10:59 PM
266 bids
 
Borrower Payment Dependent Notes Series 463422
This series of Notes was issued and sold upon the funding of the borrower loan #43232, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $78.34
Final lender yield: 6.10% Final borrower rate/APR: 7.10% / 7.44% Final monthly payment: $77.31
 
Auction yield range: 2.98% - 7.00% 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-1969 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:16y 8m
Credit score: 820-839 (Jun-2010) Total credit lines: 31 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $876Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: LawyerLoan 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
finish kitchen with new countertop
Purpose of loan:
cover the cost of new granite top in kitchen.? could judt use lowes card but looking for better interest rate.
My financial situation:
Great credit, Pay all bills, and can pay if needed immediately.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
american6$50.00$50.006/21/2010 3:54:44 PM
pavelz$100.00$100.006/21/2010 4:00:22 PM
yield-seeker$25.00$25.006/21/2010 4:06:32 PM
flexible-value$28.00$28.006/21/2010 3:55:05 PM
meenan$25.00$25.006/21/2010 3:54:30 PM
gojackgo$50.00$50.006/21/2010 4:10:57 PM
alpinaut$25.00$25.006/21/2010 3:58:22 PM
Havana21$25.00$25.006/21/2010 3:59:06 PM
BOZO88$25.00$25.006/21/2010 4:15:18 PM
personal-lender$25.00$25.006/21/2010 4:00:30 PM
fair-funds$25.00$25.006/21/2010 4:00:47 PM
red-trade-cologne$25.00$25.006/21/2010 4:01:47 PM
delicious-social132$25.00$25.006/21/2010 4:03:04 PM
Binan$25.00$25.006/21/2010 4:21:02 PM
FlexFunding$100.00$100.006/21/2010 4:06:02 PM
point-zebra$25.00$25.006/21/2010 4:06:20 PM
hookUup$25.00$25.006/21/2010 4:08:24 PM
UT-Longhorn$25.00$25.006/21/2010 4:08:52 PM
lend_to_you$25.00$25.006/21/2010 4:08:39 PM
szetowski$25.00$25.006/21/2010 4:09:19 PM
credit-investor5$100.00$100.006/21/2010 4:12:04 PM
adir1$25.00$25.006/21/2010 4:14:47 PM
quirky$25.00$25.006/21/2010 4:22:28 PM
elasermd$50.00$50.006/21/2010 4:22:50 PM
the-transaction-stronghold$50.00$50.006/21/2010 4:23:48 PM
Okeey$31.17$31.176/21/2010 4:45:41 PM
successful-euro$75.00$64.586/21/2010 4:47:43 PM
julijask$35.00$35.006/21/2010 9:22:17 PM
eCapital$25.00$25.006/23/2010 1:50:16 PM
cwegert$27.25$27.256/28/2010 12:29:51 PM
tntmojave$25.00$25.006/21/2010 3:54:55 PM
relentless-penny$50.00$50.006/21/2010 4:05:33 PM
interest-jedi0$50.00$50.006/21/2010 3:54:37 PM
dontscrewmeover1$25.00$25.006/21/2010 3:55:14 PM
skvat$25.00$25.006/21/2010 3:58:49 PM
power-defender7$40.00$40.006/21/2010 3:59:56 PM
Tc11902$25.00$25.006/21/2010 4:00:57 PM
rulestein$25.00$25.006/21/2010 4:17:04 PM
Artist_Blue$25.00$25.006/21/2010 4:01:16 PM
bountiful-durability$100.00$100.006/21/2010 4:05:42 PM
simplelender80$100.00$100.006/21/2010 4:09:42 PM
martalli$25.00$25.006/21/2010 4:40:26 PM
eighttone$25.00$25.006/21/2010 4:40:42 PM
bigballer105$50.00$50.006/21/2010 4:41:24 PM
j2ee$25.00$25.006/21/2010 4:11:11 PM
tekkie2412$25.00$25.006/21/2010 4:15:56 PM
Ivan2007$25.00$25.006/21/2010 4:47:33 PM
mrbanker$100.00$100.006/21/2010 4:21:12 PM
jangalt$72.00$72.006/21/2010 4:20:13 PM
Global2010$50.00$50.006/21/2010 4:21:40 PM
basis-daydream$50.00$50.006/21/2010 4:21:33 PM
cyberie21$50.00$50.006/21/2010 4:21:48 PM
ikaika1$50.00$50.006/21/2010 4:23:37 PM
ThomasC$25.00$25.006/21/2010 4:40:34 PM
murren$25.00$25.006/21/2010 4:41:56 PM
cwegert$50.00$50.006/23/2010 9:43:05 AM
giovani$25.00$25.006/23/2010 5:03:16 PM
FLFF$50.00$50.006/24/2010 7:40:57 AM
Dollars4Rent$25.00$25.006/24/2010 8:40:58 PM
Dollars4Rent$25.00$25.006/24/2010 8:41:17 PM
tomjac2000$25.00$25.006/25/2010 5:59:08 PM
felicity-loyalist0$25.00$25.006/25/2010 6:00:22 PM
emjaybee$25.00$25.006/27/2010 7:35:30 PM
gsp1885$27.00$27.006/28/2010 1:34:12 PM
64 bids
 
Borrower Payment Dependent Notes Series 463430
This series of Notes was issued and sold upon the funding of the borrower loan #43300, 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:  Jun-22-2010 
  Auction end date:  Jun-23-2010 
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.84% Starting monthly payment: $60.64
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.84% Final monthly payment: $60.64
 
Auction yield range: 10.98% - 25.25% 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-1993 Debt/Income ratio: 2%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:3y 7m
Credit score: 660-679 (Jun-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 19    
Screen name: reward-blackberry1 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moving to a less expense place
Purpose of loan:
This loan will be used toward a deposit and first months rent on an apartment.

My financial situation:
I am a good candidate for this loan because? I have a stable, secure job and with a low debt to income ratio

Monthly net income: $2500

Monthly expenses: $2050
??Housing: $500 (roommate)
??Insurance: $125
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $125
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $0
??Other expenses: $200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$28.00$28.006/22/2010 1:30:39 PM
Havana21$25.00$25.006/22/2010 1:31:24 PM
Comoparklender$25.00$25.006/22/2010 1:32:48 PM
simplelender80$50.00$50.006/22/2010 1:31:17 PM
visionary-currency$50.00$50.006/22/2010 1:32:00 PM
loot-heart$50.00$50.006/22/2010 1:32:26 PM
top-historic-peso$26.00$26.006/22/2010 1:32:34 PM
SNH$50.00$50.006/22/2010 1:32:31 PM
keeks$25.00$25.006/22/2010 1:40:02 PM
DreDub$50.00$50.006/22/2010 4:30:39 PM
worth-arch$25.00$25.006/22/2010 4:56:01 PM
tech310$50.00$50.006/22/2010 4:11:31 PM
orange-preeminant-bill$100.00$100.006/22/2010 4:55:52 PM
desertoasis$25.00$25.006/22/2010 5:04:35 PM
SolarMoonshine$25.00$25.006/23/2010 9:59:56 AM
S-Master$25.00$25.006/23/2010 10:07:27 AM
MADAOO7$50.00$50.006/22/2010 1:31:21 PM
head$25.00$25.006/22/2010 2:27:23 PM
successful-euro$30.00$30.006/22/2010 1:31:15 PM
bid-czar8$100.00$100.006/22/2010 1:31:26 PM
IntrepidInvestment$50.00$50.006/22/2010 1:31:56 PM
loyalist1$50.00$50.006/22/2010 1:32:04 PM
orderly-leverage$30.00$30.006/22/2010 1:32:37 PM
greenwell$25.00$25.006/22/2010 1:31:27 PM
relentless-penny$25.00$25.006/22/2010 1:31:32 PM
burrito6$25.00$25.006/22/2010 1:31:52 PM
FeedTheMachine$100.00$100.006/22/2010 1:32:22 PM
cash-spark3$50.00$50.006/22/2010 1:32:30 PM
personal-lender$25.00$25.006/22/2010 1:32:38 PM
ommcd$25.00$25.006/22/2010 3:40:47 PM
reflective-rupee$350.00$236.006/22/2010 5:16:24 PM
wwwUniversal$25.00$25.006/22/2010 5:19:34 PM
32 bids
 
Borrower Payment Dependent Notes Series 463446
This series of Notes was issued and sold upon the funding of the borrower loan #43239, 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:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $111.63
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $111.63
 
Auction yield range: 3.98% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1999 Debt/Income ratio: 32%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:0y 7m
Credit score: 700-719 (Jun-2010) Total credit lines: 18 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $25,696Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: contract-plum Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Emergency funding for home mortage
Purpose of loan: Emergency funding for home mortage. This loan will be used for funding towards mortage payment and to pay credit card debit
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I understand and realize the importance of maintaining and having good credit.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: Good Morning, Just wanted to take a moment to respond to your question. Iam not quite sure if you were referencing the comments concerning the defaults to my attention or not . At this point I have taken care of 60% of my fianancial oligation. Iam now seeking a lesser amount. $1500 - 1800 max. Unfortnately, I had a very personal incident occur in my life. Iam a very responsible person who knows and values the importance of maintaining a good credit rating. (Jun-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
interest-jedi0$50.00$50.006/21/2010 3:54:36 PM
tntmojave$25.00$25.006/21/2010 3:54:53 PM
skvat$25.00$25.006/21/2010 3:58:49 PM
red-trade-cologne$25.00$25.006/21/2010 4:01:46 PM
orderly-loot$25.00$25.006/21/2010 4:07:01 PM
dontscrewmeover1$25.00$25.006/21/2010 3:55:13 PM
hrubinst$25.00$25.006/21/2010 3:56:02 PM
szetowski$25.00$25.006/21/2010 4:09:19 PM
Avala$50.00$50.006/21/2010 3:56:11 PM
treasure-hunter270$25.00$25.006/21/2010 3:57:13 PM
Havana21$25.00$25.006/21/2010 3:59:06 PM
pavelz$100.00$100.006/21/2010 4:00:21 PM
Artist_Blue$25.00$25.006/21/2010 4:01:14 PM
SNH$50.00$50.006/21/2010 4:19:57 PM
jangalt$72.00$72.006/21/2010 4:20:13 PM
bountiful-durability$100.00$100.006/21/2010 4:05:42 PM
hookUup$25.00$25.006/21/2010 4:08:23 PM
eighttone$25.00$25.006/21/2010 4:40:41 PM
bigballer105$50.00$50.006/21/2010 4:41:24 PM
Ivan2007$25.00$25.006/21/2010 4:47:32 PM
mrbanker$100.00$100.006/21/2010 4:21:12 PM
BooFoo22$25.00$25.006/21/2010 4:22:13 PM
Global2010$50.00$50.006/21/2010 4:21:40 PM
cello1$25.00$25.006/21/2010 4:51:24 PM
justice-clipper$50.00$50.006/21/2010 5:04:04 PM
velocity-warrior$50.00$50.006/21/2010 5:04:48 PM
dharma1$25.00$25.006/21/2010 5:05:42 PM
alexstar$25.00$25.006/21/2010 5:06:22 PM
balanced-bill7$100.00$100.006/21/2010 5:08:26 PM
gracej$25.00$25.006/21/2010 5:10:28 PM
klinebarger$25.00$25.006/21/2010 4:58:31 PM
wwwUniversal$25.00$25.006/21/2010 5:17:06 PM
syounker$25.00$25.006/21/2010 5:03:33 PM
new-social-economist$25.00$25.006/21/2010 5:03:54 PM
mlopez2007$25.00$25.006/21/2010 5:06:21 PM
peb44$50.00$50.006/21/2010 5:08:58 PM
new-return-faire$50.00$28.226/21/2010 5:10:36 PM
socal-lender$25.00$25.006/27/2010 10:01:42 PM
studious-bonus7$50.00$50.006/21/2010 3:55:40 PM
personal-lender$25.00$25.006/21/2010 3:57:56 PM
fair-funds$25.00$25.006/21/2010 4:00:46 PM
riproaringrapids$25.00$25.006/21/2010 4:03:40 PM
yield-seeker$25.00$25.006/21/2010 4:06:31 PM
orgy63$25.00$25.006/21/2010 3:55:24 PM
meenan$25.00$25.006/21/2010 3:54:28 PM
american6$50.00$50.006/21/2010 3:54:43 PM
flexible-value$28.00$28.006/21/2010 3:55:06 PM
alpinaut$25.00$25.006/21/2010 3:58:21 PM
power-defender7$40.00$40.006/21/2010 3:59:55 PM
Tc11902$25.00$25.006/21/2010 4:00:56 PM
inspired-contract9$40.21$40.216/21/2010 4:02:01 PM
Syndication$25.00$25.006/21/2010 4:01:36 PM
delicious-social132$25.00$25.006/21/2010 4:03:03 PM
ichibon$75.00$75.006/21/2010 4:04:12 PM
nunnie$25.00$25.006/21/2010 4:04:23 PM
relentless-penny$50.00$50.006/21/2010 4:05:32 PM
FlexFunding$100.00$100.006/21/2010 4:06:03 PM
point-zebra$25.00$25.006/21/2010 4:06:19 PM
elasermd$50.00$50.006/21/2010 4:22:49 PM
lend_to_you$25.00$25.006/21/2010 4:08:39 PM
the-transaction-stronghold$50.00$50.006/21/2010 4:23:48 PM
UT-Longhorn$25.00$25.006/21/2010 4:08:52 PM
ThomasC$25.00$25.006/21/2010 4:40:33 PM
bchen78875$25.00$25.006/21/2010 4:10:33 PM
simplelender80$100.00$100.006/21/2010 4:09:41 PM
gojackgo$50.00$50.006/21/2010 4:10:56 PM
credit-investor5$100.00$100.006/21/2010 4:12:05 PM
tekkie2412$25.00$25.006/21/2010 4:15:56 PM
successful-euro$75.00$75.006/21/2010 4:47:42 PM
quirky$25.00$25.006/21/2010 4:22:27 PM
wdove511$30.00$30.006/21/2010 4:52:58 PM
martalli$25.00$25.006/21/2010 4:40:25 PM
murren$25.00$25.006/21/2010 4:41:56 PM
phillipd48$25.00$25.006/21/2010 4:51:00 PM
serpentine$50.00$50.006/21/2010 4:51:06 PM
kenji4861$25.00$25.006/21/2010 5:05:30 PM
holstj$25.00$25.006/21/2010 5:07:42 PM
radforj22$50.00$50.006/21/2010 4:55:12 PM
money-bauble$75.00$75.006/21/2010 4:55:39 PM
ommcd$25.00$25.006/21/2010 4:55:51 PM
generous-deal6$25.00$25.006/21/2010 5:09:06 PM
shrewd-truth1$25.00$25.006/21/2010 5:09:31 PM
BuffetRocks$50.00$50.006/21/2010 4:57:41 PM
bonus-patriot$25.00$25.006/21/2010 4:58:18 PM
DadWarbucks$25.00$25.006/21/2010 5:00:36 PM
j2ee$25.00$25.006/21/2010 5:04:01 PM
loot-heart$50.00$50.006/21/2010 5:06:03 PM
AF-Chief$28.00$28.006/21/2010 5:09:34 PM
ddog0224$25.00$25.006/21/2010 5:09:57 PM
dmitriy2$25.00$25.006/25/2010 12:00:57 PM
wise382$33.57$33.576/27/2010 3:38:32 PM
91 bids
 
Borrower Payment Dependent Notes Series 463662
This series of Notes was issued and sold upon the funding of the borrower loan #43233, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,060.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0% Auction start date:  Jun-21-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 11.98% Starting borrower rate/APR: 12.98% / 15.12% Starting monthly payment: $69.39
Final lender yield: 11.00% Final borrower rate/APR: 12.00% / 14.13% Final monthly payment: $68.42
 
Auction yield range: 5.98% - 11.98% Estimated loss impact: 5.18%  
Lender servicing fee: 1.00% Estimated return: 5.82%  
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-1989 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 13Length of status:5y 11m
Credit score: 740-759 (Jun-2010) Total credit lines: 39 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $8,015Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: i-have-money-HELP Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off loan with HIGH interest
Purpose of loan:
This loan will be used to?pay off a high interest loan of $2000.?

My financial situation:
I am a good candidate for this loan because? I pay all my bills?ON TIME?and?NEVER late.? I have a great job that is in no danger of layoffs.? I am trying?Prosper for only one debt?I have and if it works out then?I have other debt i would like consolidate through Prosper.? Financial institutions will not grant me a consolidation loan because of my debt to ratio (my name also on home loan?but my husband is the one who pays)
Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $ husband pays
??Insurance: $ husband pays
??Car expenses: $ 387
??Utilities: $ husband pays
??Phone, cable, internet: $ 100
??Food, entertainment: $ husband pays
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: I promise. I have never been late on any of my extended credit lines, mortgage, car payment, etc. You will be making a safe investment in me, if you choose to bid. (Jun-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
buckyhead2000$25.00$25.006/22/2010 10:41:41 AM
rockhound84$25.00$25.006/22/2010 5:41:23 PM
vigorous-moola$36.00$36.006/23/2010 1:50:00 PM
Mav26$70.00$70.006/23/2010 5:29:18 PM
Iloanyoumoney$25.00$25.006/25/2010 7:26:02 AM
rummy06$25.00$25.006/26/2010 8:05:10 PM
5kids5$25.00$25.006/26/2010 7:56:18 AM
nolahelper$25.00$25.006/27/2010 4:25:20 AM
Galdis$25.00$25.006/27/2010 8:17:22 AM
msmlender$26.01$26.016/27/2010 2:36:53 PM
versatilenyguy$75.00$75.006/27/2010 4:38:52 PM
nakane66$25.00$25.006/27/2010 12:17:40 PM
KrystalBall$25.00$25.006/27/2010 3:51:56 PM
circustab$50.00$50.006/28/2010 6:26:38 AM
social-zebra$25.00$25.006/28/2010 2:56:47 PM
steady-dime$25.00$25.006/28/2010 1:12:11 PM
DasMula$25.00$25.006/28/2010 12:55:23 PM
enthusiastic-point$25.00$16.656/28/2010 1:18:34 PM
exciting-fairness$200.00$200.006/28/2010 3:14:10 PM
myduck$50.00$50.006/28/2010 3:32:19 PM
friendinmoney$46.91$46.916/28/2010 3:32:56 PM
Engineer44$25.00$25.006/28/2010 3:54:01 PM
colospgs$25.00$25.006/23/2010 10:16:17 AM
4gotn1$100.00$100.006/23/2010 10:46:43 AM
omahajay$50.00$50.006/23/2010 1:50:39 PM
Sven79$50.00$50.006/24/2010 11:11:41 AM
psalms6612$25.00$25.006/25/2010 7:32:17 PM
surgtech74$50.00$50.006/26/2010 10:49:36 AM
Nasdaq$25.00$25.006/26/2010 11:46:58 PM
CERTIFIED$100.00$100.006/27/2010 7:58:44 AM
Islandgal$35.00$35.006/26/2010 11:31:58 AM
redmen93$100.00$100.006/27/2010 2:21:17 PM
Johnab$25.00$25.006/27/2010 4:02:37 PM
alvinsl$25.00$25.006/27/2010 3:18:03 AM
E-B$50.00$50.006/27/2010 3:49:19 AM
Toony$25.00$25.006/27/2010 8:39:36 PM
xlch$100.00$100.006/28/2010 4:38:14 AM
Flanders122$25.00$25.006/27/2010 2:15:31 PM
rjcoutur2001$35.00$35.006/27/2010 11:51:57 PM
Leshan$25.00$25.006/28/2010 7:56:02 AM
tompau$25.00$25.006/28/2010 9:27:09 AM
FinanceEngine$25.00$25.006/28/2010 10:21:23 AM
John_Galt$25.00$25.006/28/2010 10:53:45 AM
Bait989$35.63$35.636/28/2010 11:49:29 AM
ezhik00$25.00$25.006/28/2010 10:09:59 AM
mammalian4$50.00$50.006/28/2010 2:00:10 PM
dasbuntenheim$33.80$33.806/28/2010 2:38:53 PM
mgking007$25.00$25.006/28/2010 12:51:14 PM
goodhearted-basis4$25.00$25.006/28/2010 3:54:56 PM
easylivin$25.00$25.006/28/2010 3:41:28 PM
50 bids
 
Borrower Payment Dependent Notes Series 463706
This series of Notes was issued and sold upon the funding of the borrower loan #43297, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Jun-24-2010 
  Auction end date:  Jun-28-2010 
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $207.30
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $207.30
 
Auction yield range: 3.98% - 8.20% 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: Nov-1997 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:12y 9m
Credit score: 720-739 (Jun-2010) Total credit lines: 19 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $26,290Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: transaction-magnolia4 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
Personal loan debt consolidation
Purpose of loan:
Paying off a credit card with higher rate.

financial situation:
I am a good candidate for this loan because?? I am military and intend to remain untill I retire.? Also a homeowner.
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 have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007
A: I've never been late or missed a payment on anything ever. (Jun-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
trustworthy-fairness$100.00$100.006/24/2010 3:51:08 PM
orgy63$25.00$25.006/24/2010 3:51:48 PM
bountiful-durability$100.00$100.006/24/2010 3:52:38 PM
Havana21$25.00$25.006/24/2010 3:53:17 PM
power-defender7$40.00$40.006/24/2010 3:53:25 PM
Tc11902$25.00$25.006/24/2010 3:53:45 PM
tekkie2412$25.00$25.006/24/2010 3:54:45 PM
jangalt$72.00$72.006/24/2010 3:54:55 PM
ThomasC$25.00$25.006/24/2010 3:55:19 PM
interest-jedi0$50.00$50.006/24/2010 3:55:59 PM
Avala$50.00$50.006/24/2010 3:56:25 PM
inspired-contract9$50.00$50.006/24/2010 3:56:50 PM
zaxsan$25.00$25.006/24/2010 3:56:55 PM
Jassi$25.00$25.006/24/2010 3:57:09 PM
Winsten$50.00$50.006/24/2010 3:57:18 PM
fareast_man$25.00$25.006/24/2010 3:59:20 PM
BaxterEvil$25.00$25.006/24/2010 4:00:43 PM
orderly-loot$25.00$25.006/24/2010 3:51:00 PM
dharma1$25.00$25.006/24/2010 3:51:43 PM
american6$50.00$50.006/24/2010 3:53:02 PM
fair-funds$25.00$25.006/24/2010 3:53:40 PM
personal-lender$25.00$25.006/24/2010 3:53:29 PM
FlexFunding$100.00$100.006/24/2010 3:53:56 PM
szetowski$25.00$25.006/24/2010 3:54:21 PM
point-zebra$25.00$25.006/24/2010 3:54:04 PM
UT-Longhorn$25.00$25.006/24/2010 3:54:17 PM
credit-investor5$100.00$100.006/24/2010 3:54:38 PM
mrbanker$100.00$100.006/24/2010 3:55:01 PM
bchen78875$50.00$50.006/24/2010 3:55:26 PM
loot-heart$50.00$50.006/24/2010 3:55:36 PM
treasure-hunter270$25.00$25.006/24/2010 3:55:44 PM
mlopez2007$25.00$25.006/24/2010 3:55:50 PM
Lii4me$50.00$50.006/24/2010 3:58:47 PM
potatoepicker$50.00$50.006/24/2010 3:59:07 PM
commerce-triumph$25.00$25.006/24/2010 3:59:15 PM
green-penny-finder$25.00$25.006/24/2010 4:00:01 PM
first-upright-payout$25.00$25.006/24/2010 4:00:52 PM
blackstar$25.00$25.006/24/2010 6:54:36 PM
loan-kung-fu$25.00$25.006/24/2010 9:22:35 PM
tallmon$25.00$25.006/24/2010 9:35:03 PM
TaoPooh$25.00$25.006/25/2010 9:37:20 AM
ichibon$75.00$75.006/25/2010 3:20:45 AM
alpinaut$25.00$25.006/25/2010 11:09:57 AM
ticketman2$25.00$25.006/25/2010 9:35:43 AM
m3498$25.00$25.006/25/2010 9:36:04 AM
overflowinglife$25.00$25.006/25/2010 9:39:21 AM
bodascafe$25.00$25.006/25/2010 9:37:33 AM
power-igloo3$25.00$25.006/25/2010 3:30:22 PM
gold-disk$50.00$50.006/25/2010 10:11:15 AM
pound-lightning$50.00$50.006/25/2010 12:39:40 PM
mizount$25.00$25.006/25/2010 1:54:43 PM
brainy-dedication$25.00$25.006/25/2010 2:39:24 PM
floret596$25.00$25.006/25/2010 2:50:20 PM
woodenshoes$25.00$25.006/25/2010 3:39:51 PM
JGB$31.42$31.426/25/2010 3:59:52 PM
power-pagoda$26.00$26.006/25/2010 4:25:15 PM
BooFoo22$25.00$25.006/25/2010 4:25:47 PM
geekguy$25.00$25.006/25/2010 10:55:53 PM
emprestador$25.00$25.006/25/2010 5:25:25 PM
transparency-advocator$50.00$50.006/25/2010 6:54:48 PM
PatRichi$25.00$25.006/25/2010 11:25:14 PM
SummaCapital$50.00$50.006/26/2010 9:24:35 AM
saysana$25.00$25.006/26/2010 10:35:04 AM
AmericanCredit$25.00$25.006/26/2010 10:50:25 AM
mcds$25.00$25.006/27/2010 8:19:27 AM
exciting-responsibility3$25.00$25.006/26/2010 4:15:22 PM
McGrufus$55.00$55.006/27/2010 1:22:49 PM
bondhedger$25.00$25.006/27/2010 1:34:44 PM
meenan$25.00$25.006/26/2010 10:09:39 PM
AlexTrep$25.00$25.006/27/2010 2:09:29 PM
mpactlender$25.00$25.006/27/2010 6:54:50 AM
hardwareman$100.00$100.006/27/2010 8:29:32 AM
ProfPC$25.00$25.006/27/2010 10:27:10 AM
moneyfriend$50.00$50.006/27/2010 1:19:44 PM
buckyhead2000$25.00$25.006/28/2010 5:55:38 AM
durability-bandit1$50.00$50.006/28/2010 9:34:43 AM
thorough-exchange4$25.00$25.006/27/2010 8:39:36 PM
bds9646$26.00$26.006/28/2010 9:48:54 AM
skuba$42.51$42.516/28/2010 5:56:11 AM
kashikoe$25.00$25.006/28/2010 5:56:19 AM
successful-euro$50.00$50.006/24/2010 3:51:23 PM
kenji4861$25.00$25.006/24/2010 3:51:32 PM
Artist_Blue$25.00$25.006/24/2010 3:52:10 PM
Global2010$50.00$50.006/24/2010 3:55:05 PM
the-transaction-stronghold$50.00$50.006/24/2010 3:55:12 PM
head$25.00$25.006/24/2010 3:56:52 PM
bid-czar8$100.00$100.006/24/2010 3:58:26 PM
dtrain5$25.00$25.006/24/2010 3:58:56 PM
life-is-great$25.00$25.006/24/2010 4:00:29 PM
logical-loyalty0$25.00$25.006/24/2010 4:01:00 PM
riproaringrapids$25.00$25.006/24/2010 3:51:27 PM
satisfying-durability$25.00$25.006/24/2010 4:24:02 PM
flexible-value$28.00$28.006/24/2010 3:53:06 PM
delicious-social132$25.00$25.006/24/2010 3:53:51 PM
hookUup$25.00$25.006/24/2010 3:54:11 PM
gojackgo$50.00$50.006/24/2010 3:54:33 PM
simplelender80$100.00$100.006/24/2010 3:54:25 PM
SNH$50.00$50.006/24/2010 3:54:49 PM
alexstar$25.00$25.006/24/2010 3:55:53 PM
tntmojave$25.00$25.006/24/2010 3:56:04 PM
studious-bonus7$50.00$50.006/24/2010 3:56:14 PM
hrubinst$25.00$25.006/24/2010 3:56:19 PM
syounker$25.00$25.006/24/2010 3:57:02 PM
enthralling-deal180$100.00$100.006/24/2010 3:57:14 PM
Syndication$25.00$25.006/24/2010 8:01:12 PM
ommcd$25.00$25.006/24/2010 3:58:19 PM
djs81$50.00$50.006/24/2010 3:58:51 PM
ray1051$50.00$50.006/24/2010 3:59:46 PM
stilleto8$25.00$25.006/24/2010 3:59:38 PM
reflective-rupee$25.00$25.006/24/2010 4:00:16 PM
Comoparklender$30.00$30.006/24/2010 3:59:53 PM
get30inc$25.00$25.006/24/2010 9:59:48 PM
a-finance-nirvana$25.00$25.006/25/2010 4:11:09 AM
4XKcWfGvp9kC3ELjo4pL$25.00$25.006/24/2010 5:19:26 PM
Jofga$25.00$25.006/24/2010 6:45:45 PM
Max8319$25.00$25.006/24/2010 7:24:33 PM
capital-mover7$50.00$50.006/24/2010 8:39:40 PM
tolerant-diversification4$25.00$25.006/24/2010 9:21:42 PM
demoseal$25.00$25.006/25/2010 9:35:38 AM
SCTrojangirl$25.00$25.006/25/2010 9:35:47 AM
rcflick$25.00$25.006/25/2010 9:36:13 AM
finance-conga$25.00$25.006/25/2010 9:36:19 AM
proper-p2p6$100.00$100.006/25/2010 9:36:23 AM
dontscrewmeover1$25.00$25.006/24/2010 9:51:04 PM
cash-vault$25.00$25.006/25/2010 9:39:33 AM
Ivan2007$25.00$25.006/24/2010 10:00:42 PM
RandyL3$25.00$25.006/25/2010 10:22:07 AM
What-goes-around-comes-around$25.00$25.006/25/2010 5:09:39 AM
reueljw$25.00$25.006/25/2010 7:05:03 AM
iolaire$25.00$25.006/25/2010 7:24:43 AM
ddibernardo$25.00$25.006/25/2010 12:19:36 PM
jumprun4112$26.10$26.106/25/2010 1:19:50 PM
radforj22$25.00$25.006/25/2010 9:29:40 AM
dschless$25.00$25.006/25/2010 9:35:29 AM
systemlender$25.00$25.006/25/2010 9:37:23 AM
ms48105$25.00$25.006/25/2010 9:37:37 AM
SimpleChoice$25.00$25.006/25/2010 9:37:49 AM
visionary-community$25.00$25.006/25/2010 9:39:43 AM
treasure-bliss$42.33$42.336/25/2010 4:29:42 PM
ddog0224$25.00$25.006/25/2010 11:09:56 AM
moneysuccess$25.00$25.006/25/2010 11:34:29 AM
boogles72$50.00$50.006/25/2010 1:45:59 PM
yield-seeker$25.00$25.006/25/2010 2:14:34 PM
sawastea$25.00$25.006/25/2010 2:54:27 PM
hawksfanmd$25.00$25.006/25/2010 2:54:26 PM
Tradesmanlender$25.00$25.006/25/2010 11:44:26 PM
Reinadog9$50.00$50.006/25/2010 9:54:42 PM
1800porsche$25.00$25.006/26/2010 2:39:38 PM
famous-bill$50.00$50.006/26/2010 6:04:47 AM
ThompsonCapital$25.00$25.006/26/2010 11:24:38 AM
kmr2$25.00$25.006/26/2010 1:24:28 PM
balance6$25.00$25.006/27/2010 10:35:04 AM
NATIVEBORN$25.00$25.006/26/2010 11:45:47 PM
finance-negotiator2$25.00$25.006/27/2010 5:59:33 AM
all_of_that_one$25.00$25.006/27/2010 8:19:36 AM
liberty-destiny3$25.00$25.006/27/2010 6:19:27 PM
mgking007$25.00$25.006/28/2010 9:34:58 AM
stable-money$25.00$25.006/28/2010 9:37:14 AM
reflective-rupee$700.00$615.646/28/2010 9:49:27 AM
miq3263827$25.00$25.006/28/2010 5:16:37 AM
wise-silver-wonder$25.00$25.006/28/2010 5:55:04 AM
GElender$50.00$50.006/28/2010 5:55:48 AM
orindalender$50.00$50.006/28/2010 6:40:46 AM
leverage-monger$25.00$25.006/28/2010 7:12:38 AM
lender_100$25.00$25.006/28/2010 9:35:04 AM
lostontheedge$25.00$25.006/28/2010 9:35:44 AM
tech310$50.00$50.006/28/2010 9:37:03 AM
Cherrypicker$40.00$40.006/28/2010 10:50:08 AM
168 bids
 
Borrower Payment Dependent Notes Series 463770
This series of Notes was issued and sold upon the funding of the borrower loan #43306, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Jun-22-2010 
  Auction end date:  Jun-29-2010 
 
Starting lender yield: 26.25% Starting borrower rate/APR: 27.25% / 29.59% Starting monthly payment: $225.28
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $225.28
 
Auction yield range: 10.98% - 26.25% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1998 Debt/Income ratio: 8%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:4y 2m
Credit score: 740-759 (Jun-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: a-adorable-duty Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Procedure to start a family
I appreciate you for taking an interested in my request.
I have been employed fulltime with my current employer for 4 years. I work closely with students, parents and faculty to assist students in a successful matriculation through college. I also have a part-time job with an academic development corporation. This academic tutoring program has a partnership with local school districts to provide additional resources to improve student standardize test scores.
The delinquencies on my credit report from 2 years ago are a result of multiple purchases and transactions clearing my account at the same time around the time of my wedding. I have taken steps in the past several years to improve and clean up my credit record. I must add that in an effort to not be in debt after the wedding, my husband and I were committed to paying for everything up front and with cash which in turn, led to some late payments. Since then, I have paid off my car note and paid all other bills on time.
I would like for prospective lenders to know that, I have been very committed to living as debt free as possible. I have worked hard to correct the mistakes from years ago as a college student. I am an extremely responsible and frugal adult that wants nothing more than to start a family. I have a stable fulltime job and have always had part-time projects for extra income. I hope that my honest description has provided you with the information you need to assist me in this journey.

Thank you again,
Dreamingoftheday
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AF-Chief$28.00$28.006/22/2010 9:54:49 AM
successful-euro$30.00$30.006/22/2010 9:56:18 AM
bid-czar8$100.00$100.006/22/2010 9:57:04 AM
credit-wheel7$25.00$25.006/22/2010 9:59:16 AM
greenwell$25.00$25.006/22/2010 9:57:30 AM
loyalist1$50.00$50.006/22/2010 9:59:30 AM
cash-spark3$50.00$50.006/22/2010 10:03:45 AM
SNH$50.00$50.006/22/2010 10:03:54 AM
top-historic-peso$26.00$26.006/22/2010 10:03:59 AM
tech310$50.00$50.006/22/2010 10:05:36 AM
JohnSmallberries$25.00$25.006/22/2010 12:29:33 PM
cashhelp$25.00$25.006/22/2010 4:39:32 PM
ommcd$25.00$25.006/22/2010 3:40:49 PM
buukyak$25.00$25.006/22/2010 4:43:18 PM
DreDub$50.00$50.006/22/2010 4:30:41 PM
thomas16882004$25.00$25.006/22/2010 4:39:31 PM
jmart30702$50.61$50.616/22/2010 6:12:45 PM
interstellar$27.99$27.996/23/2010 10:36:49 AM
first-dinero-igloo$25.00$25.006/23/2010 12:20:45 PM
kwan$30.00$30.006/23/2010 1:05:00 PM
druidpoet$25.00$25.006/23/2010 3:45:28 PM
Perksunlimited$27.00$27.006/24/2010 10:04:02 AM
Uylsses$100.00$100.006/24/2010 7:00:54 AM
ChrisKwan$25.00$25.006/24/2010 5:01:13 PM
Bob450$25.00$25.006/24/2010 8:01:41 PM
LoveVA$35.00$35.006/24/2010 8:22:42 PM
ore-leather$25.00$25.006/24/2010 8:47:38 PM
Jester8967$35.00$35.006/25/2010 9:08:04 AM
Jester8967$35.00$35.006/25/2010 9:09:52 AM
12Knocksinna$25.00$25.006/25/2010 1:30:07 PM
mammalian4$50.00$50.006/26/2010 12:20:38 PM
redrose1518$25.00$25.006/27/2010 1:02:25 PM
finance-solo$50.00$50.006/28/2010 5:07:03 AM
l2fp$59.92$59.926/27/2010 5:39:55 PM
ASG_NECO$32.32$32.326/27/2010 5:57:21 PM
Bait989$25.00$25.006/28/2010 11:59:11 AM
market-pudding$25.00$25.006/28/2010 2:21:23 PM
reflective-rupee$75.00$75.006/28/2010 3:17:40 PM
gotwins$100.00$100.006/28/2010 12:54:38 PM
reflective-rupee$25.00$25.006/28/2010 3:16:57 PM
moramis$25.00$25.006/28/2010 4:13:30 PM
DDH61$25.00$25.006/28/2010 5:24:21 PM
DasMula$25.00$25.006/28/2010 8:25:00 PM
nitrostamped$93.10$93.106/28/2010 8:32:22 PM
zone6$100.00$100.006/28/2010 7:03:08 PM
attractive-fund$25.00$25.006/28/2010 7:29:02 PM
IntrepidInvestment$50.00$50.006/28/2010 10:08:16 PM
Kash2010lu$25.00$25.006/28/2010 11:16:43 PM
DasMula$25.00$25.006/28/2010 8:24:34 PM
DasMula$25.00$25.006/28/2010 8:25:12 PM
finance-prescription$42.94$42.946/28/2010 7:55:36 PM
DasMula$25.00$25.006/28/2010 8:26:19 PM
vigilance-searcher$25.00$25.006/28/2010 10:02:13 PM
Whipster$25.00$25.006/29/2010 5:24:32 AM
lib5836$25.00$25.006/29/2010 7:00:05 AM
exchange-cowbell5$25.00$25.006/29/2010 8:03:08 AM
credit-missile$50.00$50.006/29/2010 7:54:46 AM
credit-missile$25.00$25.006/29/2010 8:02:30 AM
astro128$33.93$33.936/29/2010 8:46:32 AM
leverage-monger$25.00$25.006/29/2010 7:35:52 AM
wealth-multiplier$25.00$25.006/29/2010 8:51:28 AM
principal-star$25.00$25.006/29/2010 9:35:44 AM
simplelender80$50.00$50.006/22/2010 9:56:33 AM
Havana21$25.00$25.006/22/2010 9:56:49 AM
relentless-penny$25.00$25.006/22/2010 9:57:59 AM
visionary-currency$50.00$50.006/22/2010 9:59:03 AM
orderly-leverage$30.00$30.006/22/2010 10:04:04 AM
MADAOO7$50.00$50.006/22/2010 9:56:38 AM
penny-surgeon$25.00$25.006/22/2010 10:45:50 AM
IntrepidInvestment$50.00$50.006/22/2010 9:58:49 AM
bountiful-durability$50.00$50.006/22/2010 9:57:56 AM
head$25.00$25.006/22/2010 10:01:41 AM
burrito6$25.00$25.006/22/2010 9:58:44 AM
loot-heart$50.00$50.006/22/2010 10:03:00 AM
qwsd12$40.00$40.006/22/2010 10:03:50 AM
FeedTheMachine$100.00$100.006/22/2010 10:02:47 AM
personal-lender$25.00$25.006/22/2010 10:04:12 AM
Comoparklender$25.00$25.006/22/2010 10:06:10 AM
Isaac007$25.00$25.006/22/2010 10:10:34 AM
YsoSLO$50.00$50.006/22/2010 12:01:55 PM
ethicalhumanist$25.00$25.006/22/2010 3:14:47 PM
jitterbugqueen$25.00$25.006/22/2010 10:42:54 PM
reflective-rupee$5,000.00$139.506/22/2010 4:39:28 PM
wwwUniversal$25.00$25.006/22/2010 4:39:35 PM
gourd6$31.89$31.896/22/2010 5:53:17 PM
foothillender$25.00$25.006/23/2010 8:02:09 AM
brightest-dignified-penny$25.00$25.006/23/2010 10:34:09 AM
realtormoises$25.00$25.006/23/2010 6:55:42 AM
lender-inc$25.00$25.006/23/2010 10:59:31 AM
wlm3012$25.00$25.006/23/2010 8:16:43 AM
S-Master$25.00$25.006/23/2010 10:41:44 AM
persistent-funds9$25.00$25.006/23/2010 6:38:56 PM
SolarMoonshine$25.00$25.006/23/2010 8:32:50 PM
unconquerable-cash$30.00$30.006/23/2010 6:50:41 PM
MattProsper$100.00$100.006/24/2010 10:23:58 AM
fairness-atmosphere$25.00$25.006/25/2010 8:15:44 AM
integrity-doctor$100.00$100.006/25/2010 8:40:02 AM
green-thoughtful-yield$50.00$50.006/24/2010 9:35:44 PM
top-courteous-peso$25.00$25.006/25/2010 5:30:34 AM
FreedomAlas$25.00$25.006/25/2010 11:41:43 AM
blissful-gain$25.00$25.006/25/2010 8:39:11 AM
interest-taiko$49.43$49.436/25/2010 2:43:45 PM
green-rapid-openness$50.00$50.006/25/2010 10:19:02 PM
LARRY4NY$25.00$25.006/26/2010 8:05:01 AM
b2m80s$25.00$25.006/25/2010 8:49:27 PM
credit-maverick1$100.00$100.006/27/2010 9:23:16 AM
ksubd$50.00$50.006/27/2010 10:42:21 PM
AlexTrep$25.00$25.006/27/2010 1:20:19 PM
timmybraley$33.07$33.076/28/2010 8:05:27 AM
FinanceEngine$25.00$25.006/28/2010 10:23:50 AM
reflective-rupee$50.00$50.006/28/2010 3:17:12 PM
reflective-rupee$100.00$100.006/28/2010 3:17:53 PM
reflective-rupee$100.00$100.006/28/2010 3:17:27 PM
Loanstou$54.30$54.306/28/2010 6:14:11 PM
deepblue34$30.00$30.006/28/2010 7:12:51 PM
worldly-gold$50.00$50.006/28/2010 5:38:18 PM
DasMula$25.00$25.006/28/2010 8:24:22 PM
DasMula$25.00$25.006/28/2010 8:24:47 PM
DasMula$25.00$25.006/28/2010 8:26:05 PM
mistifilio$25.00$25.006/28/2010 9:03:17 PM
credit-missile$25.00$25.006/29/2010 8:01:30 AM
patriot384$70.00$70.006/29/2010 7:01:05 AM
mckhbnpc$30.00$30.006/29/2010 8:12:23 AM
MrPie$25.00$25.006/29/2010 7:40:32 AM
five-star-note$50.00$50.006/29/2010 7:56:03 AM
shrewd-income$50.00$50.006/29/2010 7:29:37 AM
order-bee1$500.00$500.006/29/2010 9:48:24 AM
127 bids