Sales Report:Supplement No. 54 dated Oct 14, 2010 to Prospectus dated Jul 26, 2010File 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 26, 2010 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 26, 2010 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
467215
This series of Notes was issued and sold upon the funding of the borrower loan #44812, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.6% |
Auction start date:
| Oct-01-2010 |
| |
Auction end date:
| Oct-08-2010 |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $157.26 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 8.59% |
Final monthly payment:
| $157.26 |
| |
|
Auction yield range:
| 2.79% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,433 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| p2ploan-charmer |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my vacation :)
Purpose of loan:
This loan will be used to?
Pay off my summer vacation.
My financial situation: Looking good, the company I worked for just got acquired by Google, will be getting retention package (2x salary) after 1 year, for 3 years.
I am a good candidate for this loan because... I care about my credit rating.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is the name of the company you worked for before it was acquired? - 4Horseman
A:
Like.com
(Oct-05-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radforj22 | $50.00 | $50.00 | 10/1/2010 2:18:32 PM |
| DukSerduk | $25.00 | $25.00 | 10/1/2010 2:20:18 PM |
| Captain88 | $25.00 | $25.00 | 10/1/2010 2:21:14 PM |
| generous-deal6 | $50.00 | $50.00 | 10/1/2010 2:21:43 PM |
| GElender | $100.00 | $100.00 | 10/1/2010 2:21:54 PM |
| natural-affluence4 | $50.00 | $50.00 | 10/1/2010 2:22:14 PM |
| nicklds | $50.00 | $50.00 | 10/1/2010 2:19:32 PM |
| alpinaut | $30.00 | $30.00 | 10/1/2010 2:19:56 PM |
| unclejaef | $25.00 | $25.00 | 10/1/2010 2:20:00 PM |
| riproaringrapids | $25.00 | $25.00 | 10/1/2010 2:20:06 PM |
| understanding-marketplace | $50.00 | $50.00 | 10/1/2010 2:21:46 PM |
| murren | $25.00 | $25.00 | 10/1/2010 2:21:38 PM |
| MarinLoans | $50.00 | $50.00 | 10/1/2010 2:21:59 PM |
| magical-greenback | $50.00 | $50.00 | 10/1/2010 2:22:06 PM |
| yukongin | $50.00 | $50.00 | 10/1/2010 2:22:10 PM |
| museic1 | $25.00 | $6.63 | 10/1/2010 2:22:15 PM |
| bondhedger | $25.00 | $25.00 | 10/1/2010 2:34:31 PM |
| RandyL3 | $25.00 | $25.00 | 10/1/2010 2:29:50 PM |
| wwwUniversal | $25.00 | $25.00 | 10/1/2010 2:54:17 PM |
| Sarspatula | $25.00 | $25.00 | 10/1/2010 3:03:24 PM |
| diverse-transparency | $25.00 | $25.00 | 10/1/2010 5:42:04 PM |
| ddamenace | $40.00 | $40.00 | 10/2/2010 3:09:56 PM |
| jdnyguy | $50.00 | $50.00 | 10/3/2010 6:36:15 AM |
| conductor146 | $25.00 | $25.00 | 10/3/2010 7:53:05 AM |
| leverage-reaction | $25.00 | $25.00 | 10/3/2010 1:13:51 PM |
| Guiren | $29.00 | $29.00 | 10/3/2010 1:49:55 PM |
| Chesterite | $25.00 | $25.00 | 10/4/2010 2:03:10 PM |
| kmcolo | $25.00 | $25.00 | 10/4/2010 2:12:01 PM |
| gsp1885 | $30.00 | $30.00 | 10/5/2010 5:09:04 AM |
| SourDoughSteve | $25.00 | $25.00 | 10/5/2010 7:01:23 AM |
| heerzaquestion | $25.00 | $25.00 | 10/5/2010 2:03:09 PM |
| happyjackbak | $35.00 | $35.00 | 10/5/2010 9:44:05 AM |
| encore02 | $50.00 | $50.00 | 10/5/2010 7:04:39 PM |
| socal-lender | $25.00 | $25.00 | 10/6/2010 5:42:48 AM |
| repaymeplease | $25.00 | $25.00 | 10/6/2010 10:13:02 AM |
| best-shiny-hope | $25.00 | $25.00 | 10/6/2010 3:01:45 PM |
| gogrannygo | $25.00 | $25.00 | 10/6/2010 4:04:25 PM |
| Whitewater_Loans | $50.00 | $50.00 | 10/6/2010 5:15:51 PM |
| Money_Hog | $25.00 | $25.00 | 10/6/2010 5:18:51 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/6/2010 8:25:17 PM |
| dollarboy | $25.00 | $25.00 | 10/6/2010 7:55:13 PM |
| -thisguy- | $25.00 | $25.00 | 10/7/2010 8:39:08 AM |
| kinetic-truth | $25.00 | $25.00 | 10/7/2010 7:33:12 AM |
| ryan6853 | $25.00 | $25.00 | 10/7/2010 9:51:45 AM |
| erowis | $25.00 | $25.00 | 10/7/2010 10:03:58 AM |
| uarewhatuthink | $25.00 | $25.00 | 10/7/2010 12:05:31 PM |
| prainvestment | $50.00 | $50.00 | 10/7/2010 1:49:22 PM |
| investment-artist | $25.00 | $25.00 | 10/7/2010 3:10:16 PM |
| manuvns | $25.00 | $25.00 | 10/7/2010 11:29:23 PM |
| CreditBuilder2 | $150.00 | $150.00 | 10/7/2010 11:17:12 PM |
| capital-star5 | $25.00 | $25.00 | 10/8/2010 6:12:44 AM |
| Chewbaca | $25.00 | $25.00 | 10/8/2010 5:17:15 AM |
| worth-sanctuary9 | $33.43 | $33.43 | 10/8/2010 6:07:44 AM |
| stonewell | $26.00 | $26.00 | 10/7/2010 9:33:48 PM |
| patriot897 | $50.00 | $50.00 | 10/8/2010 9:31:47 AM |
| loan-adventurer7 | $100.00 | $100.00 | 10/8/2010 10:20:24 AM |
| squarebob | $25.00 | $25.00 | 10/8/2010 5:50:41 AM |
| unafraid-loan5 | $25.80 | $25.80 | 10/8/2010 10:47:46 AM |
| Trapman13 | $50.00 | $50.00 | 10/8/2010 7:40:00 AM |
| cathmorcorvus | $50.00 | $50.00 | 10/8/2010 11:18:09 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/8/2010 12:04:02 PM |
| Go_Ducks | $25.00 | $25.00 | 10/8/2010 12:12:58 PM |
| squarebob | $25.00 | $25.00 | 10/8/2010 12:42:28 PM |
| AK49-JW | $50.00 | $50.00 | 10/8/2010 2:06:07 PM |
| BipedalHominid | $25.00 | $25.00 | 10/8/2010 11:51:21 AM |
| trade-elm | $30.00 | $30.00 | 10/8/2010 12:44:51 PM |
| oplender | $46.77 | $46.77 | 10/8/2010 1:25:39 PM |
| turbospeed | $25.00 | $25.00 | 10/1/2010 2:21:04 PM |
| damage | $25.00 | $25.00 | 10/1/2010 2:22:01 PM |
| wild_carrot | $25.00 | $25.00 | 10/1/2010 2:18:31 PM |
| cash-sensai2 | $25.00 | $25.00 | 10/1/2010 2:19:38 PM |
| cebgop | $25.00 | $25.00 | 10/1/2010 2:20:03 PM |
| Rivervale_Westwood | $25.00 | $25.00 | 10/1/2010 2:21:11 PM |
| market-socrates4 | $49.51 | $49.51 | 10/1/2010 2:21:45 PM |
| duty-windmill | $25.00 | $25.00 | 10/1/2010 2:21:49 PM |
| agiovasil | $25.00 | $25.00 | 10/1/2010 2:21:18 PM |
| kanakakm | $50.00 | $50.00 | 10/1/2010 2:21:53 PM |
| life-is-great | $50.00 | $50.00 | 10/1/2010 2:21:36 PM |
| larrybird | $150.00 | $150.00 | 10/1/2010 2:22:07 PM |
| blot44 | $25.00 | $25.00 | 10/1/2010 2:22:37 PM |
| dollardave | $100.00 | $100.00 | 10/1/2010 2:28:22 PM |
| ogmanny | $50.00 | $50.00 | 10/1/2010 2:24:42 PM |
| arenangelchild | $100.00 | $100.00 | 10/1/2010 2:52:28 PM |
| otalon | $25.00 | $25.00 | 10/1/2010 4:30:58 PM |
| tutnyce | $50.00 | $50.00 | 10/2/2010 11:06:26 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/2/2010 9:59:23 AM |
| MonkeyHero | $25.00 | $25.00 | 10/3/2010 9:16:20 AM |
| Shanester | $25.00 | $25.00 | 10/3/2010 5:50:04 PM |
| sbv1689 | $25.00 | $25.00 | 10/4/2010 6:55:34 AM |
| Cheburashka | $30.00 | $30.00 | 10/5/2010 1:15:28 AM |
| seineil | $50.00 | $50.00 | 10/5/2010 2:04:07 AM |
| octoberfresh | $35.00 | $35.00 | 10/5/2010 7:16:49 AM |
| Planecourage | $25.00 | $25.00 | 10/5/2010 9:36:47 AM |
| simiray | $50.00 | $50.00 | 10/5/2010 10:14:40 AM |
| moclimb | $36.86 | $36.86 | 10/5/2010 10:26:25 AM |
| penny-finder | $25.00 | $25.00 | 10/5/2010 6:44:57 PM |
| MoneyTree79 | $50.00 | $50.00 | 10/5/2010 6:45:11 PM |
| PBanker | $25.00 | $25.00 | 10/6/2010 5:42:44 AM |
| rainbowsorbet | $25.00 | $25.00 | 10/6/2010 10:01:48 AM |
| rainbowsorbet | $25.00 | $25.00 | 10/6/2010 10:00:54 AM |
| earth70s | $25.00 | $25.00 | 10/6/2010 2:14:46 PM |
| bouvierchamp | $50.00 | $50.00 | 10/6/2010 3:07:41 PM |
| debt-legend | $25.00 | $25.00 | 10/6/2010 5:59:07 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/6/2010 8:24:55 PM |
| caring-hope2 | $50.00 | $50.00 | 10/6/2010 5:47:10 PM |
| djmjkelso | $25.00 | $25.00 | 10/7/2010 12:44:09 AM |
| filovirus | $25.00 | $25.00 | 10/7/2010 5:05:42 AM |
| Paxman84 | $26.00 | $26.00 | 10/7/2010 6:32:15 AM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:36:49 AM |
| Westb | $50.00 | $50.00 | 10/7/2010 7:21:58 AM |
| midifool | $25.00 | $25.00 | 10/7/2010 9:33:39 AM |
| Dskillz | $30.00 | $30.00 | 10/7/2010 10:10:14 AM |
| selector568 | $100.00 | $100.00 | 10/7/2010 9:57:56 AM |
| zenchef | $25.00 | $25.00 | 10/7/2010 12:21:07 PM |
| Jtomtom | $25.00 | $25.00 | 10/7/2010 1:39:43 PM |
| crw1950 | $50.00 | $50.00 | 10/7/2010 2:48:30 PM |
| sunny1985 | $25.00 | $25.00 | 10/7/2010 5:17:20 PM |
| redtilapia | $25.00 | $25.00 | 10/7/2010 6:01:40 PM |
| Richmp412 | $25.00 | $25.00 | 10/7/2010 6:49:04 PM |
| blindtaxidriver | $25.00 | $25.00 | 10/7/2010 11:40:08 PM |
| Sumach | $25.00 | $25.00 | 10/8/2010 6:51:28 AM |
| brlarue | $25.00 | $25.00 | 10/8/2010 9:50:31 AM |
| loan-kung-fu | $100.00 | $100.00 | 10/8/2010 5:35:09 AM |
| relaxation688 | $25.00 | $25.00 | 10/8/2010 10:57:03 AM |
| elvisloans | $25.00 | $25.00 | 10/8/2010 6:15:10 AM |
| RecoveryLender | $25.00 | $25.00 | 10/8/2010 11:15:48 AM |
| OoM | $25.00 | $25.00 | 10/8/2010 12:02:08 PM |
| buukyak | $35.00 | $35.00 | 10/8/2010 12:53:46 PM |
| Johnab | $25.00 | $25.00 | 10/8/2010 10:45:51 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/8/2010 2:11:00 PM |
| 6moonbeams | $200.00 | $200.00 | 10/8/2010 12:32:51 PM |
| toomanyfishtanks | $25.00 | $25.00 | 10/8/2010 12:54:28 PM |
| 132 bids
|
Borrower Payment Dependent Notes Series
477027
This series of Notes was issued and sold upon the funding of the borrower loan #44780, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-27-2010 |
| |
Auction end date:
| Oct-04-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $224.34 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 5 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,483 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loot-samaritan |
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
Wedding
Purpose of loan:
This loan will be used to fund my wedding.
My financial situation:
I am a good candidate for this loan because I have NEVER been delinquent on a credit payment. I have great credit. My debt ratio was due to using my savings and cards to expand my Engineering firm this year. Please help us with the funding for our wedding. We will love you forever for it:)
Monthly net income: $ 7500.00
Monthly expenses: $5150.00
??Housing: $1000
??Insurance: $150
??Car expenses: $500
??Utilities: $500
??Phone, cable, internet: $0
??Food, entertainment: $500
??Clothing, household expenses $500
??Credit cards and other loans: $1000
??Other expenses(investments): $1000
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AlexTrep | $50.00 | $50.00 | 9/27/2010 3:24:58 PM |
| handshake5 | $100.00 | $100.00 | 9/27/2010 3:38:12 PM |
| rescue | $100.00 | $100.00 | 9/27/2010 3:44:43 PM |
| bountiful-durability | $100.00 | $100.00 | 9/27/2010 3:47:43 PM |
| agiovasil | $25.00 | $25.00 | 9/27/2010 10:32:24 PM |
| abnvette | $33.74 | $33.74 | 9/28/2010 2:48:59 AM |
| simplelender80 | $250.00 | $250.00 | 9/29/2010 10:01:34 AM |
| musegaze | $100.00 | $100.00 | 9/29/2010 12:30:05 PM |
| Whipster | $50.00 | $50.00 | 9/29/2010 4:44:03 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/30/2010 3:46:38 AM |
| Artist_Blue | $25.00 | $25.00 | 9/30/2010 7:47:51 AM |
| loan-kung-fu | $25.00 | $25.00 | 9/30/2010 11:18:48 AM |
| jubilant-auction5 | $25.00 | $25.00 | 9/30/2010 10:54:10 AM |
| 108lender | $100.00 | $100.00 | 9/30/2010 11:17:31 AM |
| JoyfulVegetarian | $25.00 | $25.00 | 9/30/2010 11:12:19 AM |
| squarebob | $25.00 | $25.00 | 9/30/2010 11:51:56 AM |
| squarebob | $25.00 | $25.00 | 9/30/2010 11:52:46 AM |
| fairness-kayak | $25.00 | $25.00 | 9/30/2010 1:14:18 PM |
| nilonc1 | $75.00 | $75.00 | 9/30/2010 6:40:39 PM |
| gallant-economy9 | $100.00 | $100.00 | 9/30/2010 11:28:24 PM |
| irrelevant | $25.00 | $25.00 | 10/1/2010 6:28:39 AM |
| octoberfresh | $25.00 | $25.00 | 10/1/2010 6:41:11 AM |
| larrybird | $50.00 | $50.00 | 10/1/2010 6:58:37 AM |
| escharfer | $25.00 | $25.00 | 10/1/2010 9:35:59 AM |
| important-openness1 | $25.00 | $25.00 | 10/1/2010 10:58:06 AM |
| head | $25.00 | $25.00 | 10/1/2010 2:47:29 PM |
| the-silver-blaster | $50.00 | $50.00 | 10/1/2010 2:53:05 PM |
| psa1995 | $25.00 | $25.00 | 10/1/2010 2:53:10 PM |
| geniusj | $25.00 | $25.00 | 10/1/2010 4:08:22 PM |
| shur | $25.00 | $25.00 | 10/1/2010 7:42:56 PM |
| cash-spark3 | $25.00 | $25.00 | 10/1/2010 11:33:04 PM |
| brother_tam | $50.00 | $50.00 | 10/2/2010 4:17:59 AM |
| diversification-maple1 | $25.00 | $25.00 | 10/2/2010 7:27:42 AM |
| loss-of-control | $50.00 | $50.00 | 10/2/2010 8:59:48 AM |
| larryboy10 | $25.00 | $25.00 | 10/2/2010 11:29:57 AM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/2/2010 3:13:45 PM |
| Preferred-Lender | $25.00 | $25.00 | 10/2/2010 2:23:07 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/2/2010 8:08:49 PM |
| inventive-exchange | $25.00 | $25.00 | 10/2/2010 7:47:51 PM |
| money4sale | $155.31 | $155.31 | 10/3/2010 12:50:25 AM |
| turbostar666 | $25.00 | $25.00 | 10/3/2010 8:08:22 PM |
| Zipcut | $25.00 | $25.00 | 10/3/2010 8:02:50 PM |
| loss-of-control | $25.00 | $25.00 | 10/3/2010 8:04:00 PM |
| the-debt-starfish | $140.74 | $140.74 | 10/3/2010 9:35:53 PM |
| mtquan | $25.00 | $25.00 | 10/3/2010 11:08:09 PM |
| AF-Chief | $32.72 | $32.72 | 10/4/2010 6:09:41 AM |
| LeoBUSIIT | $25.00 | $25.00 | 10/4/2010 8:38:08 AM |
| glroark | $100.00 | $100.00 | 10/4/2010 7:36:58 AM |
| bondhedger | $25.00 | $25.00 | 10/4/2010 7:38:26 AM |
| contract-happiness1 | $25.00 | $25.00 | 9/27/2010 3:20:03 PM |
| villagers | $25.00 | $25.00 | 9/27/2010 3:32:04 PM |
| kulender | $50.00 | $50.00 | 9/27/2010 3:32:50 PM |
| 6moonbeams | $25.00 | $25.00 | 9/27/2010 3:37:43 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/27/2010 3:41:54 PM |
| bid-czar8 | $25.00 | $25.00 | 9/27/2010 3:39:18 PM |
| b-rent | $25.00 | $25.00 | 9/27/2010 3:54:12 PM |
| consummate-loyalty1 | $25.00 | $25.00 | 9/28/2010 6:23:44 AM |
| beakerfish | $50.00 | $50.00 | 9/28/2010 12:38:24 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/28/2010 10:52:25 PM |
| reward-adventure | $50.00 | $50.00 | 9/29/2010 4:53:53 AM |
| Comoparklender | $50.00 | $50.00 | 9/29/2010 10:01:32 AM |
| money-bauble | $100.00 | $100.00 | 9/29/2010 11:39:04 AM |
| thrifty-capital | $25.00 | $25.00 | 9/29/2010 1:07:19 PM |
| reflective-rupee | $250.00 | $250.00 | 9/29/2010 9:34:13 PM |
| squarebob | $25.00 | $25.00 | 9/30/2010 11:53:05 AM |
| squarebob | $25.00 | $25.00 | 9/30/2010 11:52:27 AM |
| squarebob | $25.00 | $25.00 | 9/30/2010 11:53:27 AM |
| gold-channel2 | $50.00 | $50.00 | 9/30/2010 3:01:58 PM |
| FutureLenderEC | $25.00 | $25.00 | 9/30/2010 6:48:07 PM |
| beakerfish | $50.00 | $50.00 | 9/30/2010 9:53:16 PM |
| JustMee | $25.00 | $25.00 | 10/1/2010 5:57:19 AM |
| asiaratt | $37.02 | $37.02 | 10/1/2010 10:04:21 AM |
| cablenews | $25.00 | $25.00 | 10/1/2010 10:49:54 AM |
| Bcs-cnc | $50.00 | $50.00 | 10/1/2010 1:18:29 PM |
| euro-banker | $50.00 | $50.00 | 10/1/2010 2:49:30 PM |
| Rob717171 | $25.00 | $25.00 | 10/1/2010 6:09:21 PM |
| preventivepestcontrol | $100.00 | $100.00 | 10/1/2010 9:48:27 PM |
| Bob450 | $25.00 | $25.00 | 10/1/2010 10:54:18 PM |
| marketplace-cello5 | $25.00 | $25.00 | 10/2/2010 12:20:13 AM |
| loss-of-control | $50.00 | $50.00 | 10/2/2010 9:00:09 AM |
| Vreet | $50.00 | $50.00 | 10/2/2010 3:12:48 PM |
| mcgovern2024 | $50.00 | $50.00 | 10/2/2010 6:31:00 PM |
| Gobsek | $25.00 | $25.00 | 10/2/2010 7:03:00 PM |
| mcgovern2024 | $155.01 | $155.01 | 10/2/2010 6:40:00 PM |
| ORcowboy | $50.00 | $50.00 | 10/2/2010 10:28:51 PM |
| papaloha | $25.00 | $25.00 | 10/3/2010 9:32:48 AM |
| wonder3 | $25.00 | $25.00 | 10/3/2010 10:55:56 AM |
| red-ready-principal | $25.00 | $25.00 | 10/3/2010 7:23:57 PM |
| diversification-maple1 | $25.00 | $25.00 | 10/3/2010 8:01:48 PM |
| lucrative-coin | $100.00 | $100.00 | 10/3/2010 6:27:49 PM |
| Zipcut | $25.00 | $25.00 | 10/3/2010 8:01:56 PM |
| Zipcut | $25.00 | $25.00 | 10/3/2010 8:03:25 PM |
| Kash2010lu | $25.00 | $25.00 | 10/3/2010 10:10:55 PM |
| restless-dime | $25.00 | $25.00 | 10/3/2010 8:50:07 PM |
| IIP77 | $25.00 | $25.00 | 10/4/2010 4:17:47 AM |
| radiant-loan5 | $100.00 | $100.00 | 10/4/2010 5:44:43 AM |
| jamiee73 | $25.00 | $25.00 | 10/4/2010 6:09:58 AM |
| adaptable-capital | $180.78 | $120.46 | 10/4/2010 7:38:48 AM |
| reflective-rupee | $250.00 | $250.00 | 10/4/2010 8:21:05 AM |
| restless-dime | $25.00 | $25.00 | 10/4/2010 8:30:35 AM |
| 100 bids
|
Borrower Payment Dependent Notes Series
477047
This series of Notes was issued and sold upon the funding of the borrower loan #44774, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Sep-27-2010 |
| |
Auction end date:
| Oct-04-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $191.06 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $191.06 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,931 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| soulful-capital |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an engagement ring
Purpose of loan:
This loan will be used to?
buy an engagement ring for my girlfriend of 5 years.
My financial situation:
I am a good candidate for this loan because?
I am a person of integrity and have always been taught to honor your commitments.? I budget my income and have made sure that this expense will not be an issue.
Monthly net income: $
1800.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $20
??Car expenses: $100
??Utilities: $ 0
??Phone, cable, internet: $90
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 60
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rescue | $100.00 | $100.00 | 9/27/2010 3:22:04 PM |
| Weaverville | $25.00 | $25.00 | 9/27/2010 3:22:42 PM |
| AF-Chief | $50.00 | $50.00 | 9/27/2010 3:29:41 PM |
| VAGweilo | $50.00 | $50.00 | 9/27/2010 3:24:28 PM |
| radforj22 | $25.00 | $25.00 | 9/27/2010 3:27:59 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/27/2010 3:36:10 PM |
| peripatetic | $25.00 | $25.00 | 9/27/2010 3:34:21 PM |
| mtquan | $25.00 | $25.00 | 9/27/2010 3:34:49 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/27/2010 3:33:24 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/27/2010 3:33:33 PM |
| jazzlender | $25.00 | $25.00 | 9/27/2010 3:36:20 PM |
| maldok1 | $25.00 | $25.00 | 9/27/2010 3:36:36 PM |
| money-bauble | $50.00 | $50.00 | 9/27/2010 3:37:11 PM |
| shmb6508 | $100.00 | $100.00 | 9/27/2010 3:35:53 PM |
| Tomeus | $75.00 | $75.00 | 9/27/2010 3:36:29 PM |
| gold-channel2 | $87.00 | $87.00 | 9/27/2010 3:41:20 PM |
| ray1051 | $25.00 | $25.00 | 9/27/2010 3:39:54 PM |
| dollardave | $100.00 | $100.00 | 9/27/2010 3:42:12 PM |
| powerful-finance7 | $25.00 | $25.00 | 9/27/2010 3:44:25 PM |
| riproaringrapids | $25.00 | $25.00 | 9/27/2010 3:50:09 PM |
| jdwillcox | $50.00 | $50.00 | 9/27/2010 3:49:49 PM |
| NorthernFunds | $50.00 | $50.00 | 9/27/2010 3:54:42 PM |
| williemc44 | $50.00 | $50.00 | 9/27/2010 3:51:12 PM |
| herbyman | $50.00 | $50.00 | 9/27/2010 3:53:20 PM |
| GeorgiaGator | $25.00 | $25.00 | 9/27/2010 4:23:58 PM |
| JustMee | $25.00 | $25.00 | 9/27/2010 6:31:25 PM |
| note-mad-scientist | $36.38 | $36.38 | 9/28/2010 3:20:41 AM |
| Sol_Invictus | $25.00 | $25.00 | 9/28/2010 11:08:12 AM |
| SANTIAGO1 | $25.00 | $25.00 | 9/28/2010 7:52:52 PM |
| Loansforlife | $25.00 | $25.00 | 9/29/2010 8:23:18 AM |
| TheDigitalMan | $25.00 | $25.00 | 9/29/2010 9:40:58 AM |
| revenue-youngster | $25.00 | $25.00 | 9/29/2010 4:48:22 PM |
| FinanceEngine | $25.00 | $25.00 | 9/29/2010 4:16:14 PM |
| the-silver-blaster | $50.00 | $50.00 | 9/29/2010 8:17:53 PM |
| Mindful7 | $25.00 | $25.00 | 9/30/2010 10:50:17 AM |
| CommLendOff | $25.00 | $25.00 | 9/30/2010 11:29:39 AM |
| bondhedger | $25.00 | $25.00 | 9/30/2010 4:20:42 PM |
| dobied | $25.00 | $25.00 | 9/30/2010 4:41:16 PM |
| Katburg | $35.00 | $35.00 | 10/1/2010 6:13:43 AM |
| sawastea | $25.00 | $25.00 | 10/1/2010 10:12:14 AM |
| lendingfrog | $50.00 | $50.00 | 10/1/2010 4:52:46 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/2/2010 12:03:55 AM |
| llequire1 | $98.95 | $98.95 | 10/2/2010 8:26:27 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/2/2010 9:59:03 AM |
| FundMaker | $25.00 | $25.00 | 10/2/2010 2:30:17 PM |
| JBF_Investments | $25.00 | $25.00 | 10/2/2010 11:12:38 PM |
| sensational-penny | $30.00 | $30.00 | 10/3/2010 2:16:58 AM |
| lukeskywalkerkp | $25.00 | $25.00 | 10/3/2010 12:12:27 AM |
| gulab77 | $50.00 | $50.00 | 10/3/2010 2:57:05 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/3/2010 4:06:44 PM |
| loss-of-control | $50.00 | $50.00 | 10/3/2010 8:05:06 PM |
| itsmaj | $33.00 | $33.00 | 10/3/2010 8:37:22 PM |
| agiovasil | $25.00 | $25.00 | 9/27/2010 3:22:38 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/27/2010 3:33:53 PM |
| schpere | $75.00 | $75.00 | 9/27/2010 3:27:19 PM |
| simplelender80 | $250.00 | $250.00 | 9/27/2010 3:33:01 PM |
| soheagle | $50.00 | $50.00 | 9/27/2010 3:33:16 PM |
| pfh | $25.00 | $25.00 | 9/27/2010 3:34:13 PM |
| DRA-Properties | $25.00 | $25.00 | 9/27/2010 3:32:15 PM |
| bid-czar8 | $100.00 | $100.00 | 9/27/2010 3:34:43 PM |
| handshake5 | $100.00 | $100.00 | 9/27/2010 3:33:45 PM |
| jigsaw | $100.00 | $100.00 | 9/27/2010 3:33:59 PM |
| generous-deal6 | $50.00 | $50.00 | 9/27/2010 3:34:30 PM |
| orgy63 | $25.00 | $25.00 | 9/27/2010 3:39:48 PM |
| GElender | $75.00 | $75.00 | 9/27/2010 3:37:23 PM |
| ichibon | $150.00 | $150.00 | 9/27/2010 3:35:02 PM |
| first-listing-expert | $25.00 | $25.00 | 9/27/2010 3:35:15 PM |
| Gabriel02 | $25.00 | $25.00 | 9/27/2010 3:36:01 PM |
| mla | $25.00 | $25.00 | 9/27/2010 3:38:55 PM |
| mike_banker | $50.00 | $50.00 | 9/27/2010 3:40:05 PM |
| tech310 | $50.00 | $50.00 | 9/27/2010 3:40:39 PM |
| bountiful-durability | $100.00 | $100.00 | 9/27/2010 3:42:48 PM |
| Interstate_Rate | $100.00 | $100.00 | 9/27/2010 3:45:14 PM |
| papaloha | $25.00 | $25.00 | 9/27/2010 3:43:34 PM |
| MarinLoans | $25.00 | $25.00 | 9/27/2010 3:46:59 PM |
| george_kaplan | $50.00 | $50.00 | 9/27/2010 4:13:54 PM |
| kmr2 | $150.00 | $150.00 | 9/27/2010 4:14:26 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/27/2010 4:14:38 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/27/2010 4:14:29 PM |
| Moneypenny6 | $25.00 | $10.40 | 9/27/2010 5:08:26 PM |
| RandyL3 | $25.00 | $25.00 | 9/27/2010 7:12:13 PM |
| octoberfresh | $25.00 | $25.00 | 9/28/2010 7:03:46 AM |
| heerzaquestion | $25.00 | $25.00 | 9/28/2010 1:20:38 PM |
| TwinCities | $25.00 | $25.00 | 9/29/2010 6:23:35 AM |
| manatee21 | $75.00 | $75.00 | 9/29/2010 7:36:20 AM |
| ClearCut | $50.00 | $50.00 | 9/29/2010 8:23:15 AM |
| gtdane | $28.91 | $28.91 | 9/29/2010 12:11:44 PM |
| penny-chooser | $25.00 | $25.00 | 9/29/2010 11:54:54 AM |
| outofoffice | $50.00 | $50.00 | 9/29/2010 12:53:23 PM |
| ManhattanLender | $50.00 | $50.00 | 9/29/2010 12:44:30 PM |
| cutter21 | $25.00 | $25.00 | 9/29/2010 1:55:55 PM |
| chris668 | $25.00 | $25.00 | 9/29/2010 4:55:32 PM |
| Crom | $25.00 | $25.00 | 9/29/2010 6:43:39 PM |
| encore06 | $25.00 | $25.00 | 9/29/2010 7:28:22 PM |
| isuperwang | $91.63 | $91.63 | 9/29/2010 11:31:27 PM |
| wwwUniversal | $25.00 | $25.00 | 9/30/2010 12:11:49 AM |
| JeramyU | $45.00 | $45.00 | 9/30/2010 6:39:03 AM |
| revenue-sapling | $25.00 | $25.00 | 9/30/2010 9:05:26 AM |
| hawk357 | $35.00 | $35.00 | 9/30/2010 8:29:53 AM |
| auction-workhorse679 | $25.00 | $25.00 | 9/30/2010 9:40:36 AM |
| dmk2006 | $25.00 | $25.00 | 9/30/2010 2:03:45 PM |
| nickel-demon2 | $50.00 | $50.00 | 9/30/2010 4:41:11 PM |
| Shanester | $25.00 | $25.00 | 10/1/2010 6:56:01 AM |
| malar | $50.00 | $50.00 | 10/1/2010 10:10:32 AM |
| blindtaxidriver | $25.00 | $25.00 | 10/1/2010 2:34:58 PM |
| Oakland | $50.00 | $50.00 | 10/2/2010 5:45:32 AM |
| lazyeye | $25.00 | $25.00 | 10/2/2010 8:50:41 AM |
| MattProsper | $55.00 | $55.00 | 10/2/2010 10:15:59 AM |
| Gobsek | $25.00 | $25.00 | 10/2/2010 6:58:59 PM |
| gotigers1972 | $35.00 | $35.00 | 10/2/2010 10:52:16 PM |
| payout-magician | $25.00 | $25.00 | 10/3/2010 11:08:55 AM |
| squarebob | $25.00 | $25.00 | 10/3/2010 11:43:10 AM |
| Payout_Assured | $25.00 | $25.00 | 10/3/2010 6:21:21 PM |
| lucrative-coin | $38.33 | $38.33 | 10/3/2010 6:06:13 PM |
| patriot384 | $100.00 | $100.00 | 10/3/2010 7:19:57 PM |
| bnl42 | $37.50 | $37.50 | 10/3/2010 7:54:55 PM |
| ezerkd | $27.90 | $27.90 | 10/3/2010 9:03:03 PM |
| 117 bids
|
Borrower Payment Dependent Notes Series
477581
This series of Notes was issued and sold upon the funding of the borrower loan #44806, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Sep-30-2010 |
| |
Auction end date:
| Oct-07-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $451.60 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $451.60 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,451 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lovely-hope9 |
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
Cosolidation
Purpose of loan:
This loan will be used to? Consolidate credit cards and install new super high efficiency air conditioning unit.
My financial situation:
I am financially responsible and pay all of my bills on time, my credit rating is very important to me, with all of the incentives offered for the super high efficiency air conditioner and cutting the electric bill in half the savings will be significant.
Monthly net income: $ 4,124.00
Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 60.00
??Car expenses: $ 472.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ will be 0
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bountiful-durability | $100.00 | $100.00 | 9/30/2010 2:40:01 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/30/2010 2:43:45 PM |
| peripatetic | $25.00 | $25.00 | 9/30/2010 2:43:56 PM |
| Gabriel02 | $25.00 | $25.00 | 9/30/2010 2:44:14 PM |
| Tomeus | $75.00 | $75.00 | 9/30/2010 2:44:20 PM |
| maldok1 | $25.00 | $25.00 | 9/30/2010 2:44:23 PM |
| orgy63 | $25.00 | $25.00 | 9/30/2010 2:44:52 PM |
| jdwillcox | $50.00 | $50.00 | 9/30/2010 2:45:32 PM |
| agiovasil | $25.00 | $25.00 | 9/30/2010 2:40:25 PM |
| nicklds | $25.00 | $25.00 | 9/30/2010 2:46:57 PM |
| rescue | $50.00 | $50.00 | 9/30/2010 2:39:03 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/30/2010 2:47:23 PM |
| JohnGalt79 | $100.00 | $100.00 | 9/30/2010 2:47:27 PM |
| radforj22 | $25.00 | $25.00 | 9/30/2010 2:47:35 PM |
| schpere | $75.00 | $75.00 | 9/30/2010 2:47:38 PM |
| Artist_Blue | $25.00 | $25.00 | 9/30/2010 2:58:19 PM |
| ichibon | $150.00 | $150.00 | 9/30/2010 2:44:03 PM |
| shmb6508 | $100.00 | $100.00 | 9/30/2010 2:44:07 PM |
| mike_banker | $50.00 | $50.00 | 9/30/2010 2:44:59 PM |
| jigsaw | $100.00 | $100.00 | 9/30/2010 2:43:50 PM |
| herbyman | $50.00 | $50.00 | 9/30/2010 2:45:37 PM |
| bid-czar8 | $100.00 | $100.00 | 9/30/2010 2:44:00 PM |
| kmr2 | $200.00 | $200.00 | 9/30/2010 2:45:48 PM |
| skuba | $50.00 | $50.00 | 9/30/2010 2:47:13 PM |
| larrybird | $150.00 | $150.00 | 9/30/2010 2:46:19 PM |
| papaloha | $25.00 | $25.00 | 9/30/2010 2:47:47 PM |
| mla | $25.00 | $25.00 | 9/30/2010 2:48:23 PM |
| thrifty-capital | $25.00 | $25.00 | 9/30/2010 2:47:25 PM |
| teller | $50.00 | $50.00 | 9/30/2010 2:47:53 PM |
| penny-plato | $25.00 | $25.00 | 9/30/2010 3:41:41 PM |
| hookUup | $25.00 | $25.00 | 9/30/2010 5:28:59 PM |
| lendstats_com | $175.00 | $175.00 | 9/30/2010 6:07:34 PM |
| GElender | $75.00 | $75.00 | 9/30/2010 3:44:51 PM |
| syounker | $25.00 | $25.00 | 9/30/2010 4:52:16 PM |
| dollardave | $100.00 | $100.00 | 9/30/2010 9:28:27 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/30/2010 9:08:02 PM |
| ocho | $50.00 | $50.00 | 10/1/2010 5:51:21 AM |
| lloyd_s | $25.00 | $25.00 | 10/1/2010 3:15:20 AM |
| mtquan | $25.00 | $25.00 | 10/1/2010 5:51:51 AM |
| boater01 | $50.00 | $50.00 | 10/1/2010 5:52:57 AM |
| Katburg | $35.00 | $35.00 | 10/1/2010 6:14:07 AM |
| macgeek | $35.87 | $35.87 | 10/1/2010 8:07:55 AM |
| nickel-advocator | $50.00 | $50.00 | 10/1/2010 6:34:09 AM |
| irrelevant | $25.00 | $25.00 | 10/1/2010 6:34:22 AM |
| chestnut4 | $25.00 | $25.00 | 10/1/2010 8:14:37 AM |
| runner262 | $25.00 | $25.00 | 10/1/2010 9:38:58 AM |
| tylerfd | $25.00 | $25.00 | 10/1/2010 8:58:03 AM |
| escharfer | $25.00 | $25.00 | 10/1/2010 9:35:41 AM |
| nycfinance | $25.00 | $25.00 | 10/1/2010 9:36:52 AM |
| burntxsoul | $25.00 | $25.00 | 10/1/2010 9:38:06 AM |
| helpinghand63 | $50.00 | $50.00 | 10/1/2010 9:38:43 AM |
| svandgts | $25.00 | $25.00 | 10/1/2010 10:54:11 AM |
| cablenews | $50.00 | $50.00 | 10/1/2010 10:48:17 AM |
| Palacios | $28.11 | $28.11 | 10/1/2010 12:57:59 PM |
| silvercertificate | $25.00 | $25.00 | 10/1/2010 2:06:26 PM |
| GeorgiaGator | $50.00 | $50.00 | 10/1/2010 3:31:54 PM |
| Easystreet | $25.00 | $25.00 | 10/1/2010 5:03:50 PM |
| worldly-community3 | $50.00 | $50.00 | 10/1/2010 6:18:01 PM |
| Bcs-cnc | $50.00 | $50.00 | 10/1/2010 6:59:45 PM |
| Tradesmanlender | $25.00 | $25.00 | 10/2/2010 2:01:05 AM |
| efficient-treasure0 | $25.00 | $25.00 | 10/2/2010 3:18:49 PM |
| brother_tam | $50.00 | $50.00 | 10/2/2010 7:53:16 PM |
| shur | $25.00 | $25.00 | 10/2/2010 10:47:55 PM |
| ti22ring | $30.00 | $30.00 | 10/3/2010 11:18:05 AM |
| ericgassercom | $50.00 | $50.00 | 10/3/2010 1:38:10 PM |
| power-expert | $25.00 | $25.00 | 10/3/2010 8:12:54 PM |
| elegant-bonus | $25.00 | $25.00 | 10/4/2010 4:52:49 AM |
| studious-value8 | $25.00 | $25.00 | 10/4/2010 10:48:26 AM |
| crawfingers | $25.00 | $25.00 | 10/4/2010 10:32:51 AM |
| FinDoc | $25.00 | $25.00 | 10/4/2010 12:46:57 PM |
| tntmojave | $25.00 | $25.00 | 10/4/2010 2:09:19 PM |
| nytrnbow | $25.00 | $25.00 | 10/4/2010 3:18:23 PM |
| auction-elvis | $25.00 | $25.00 | 10/4/2010 4:34:43 PM |
| KingCroesus | $25.00 | $25.00 | 10/4/2010 10:01:12 PM |
| trustu | $50.00 | $50.00 | 10/4/2010 7:13:08 PM |
| rdrloan | $50.00 | $50.00 | 10/5/2010 7:19:40 AM |
| worldly-penny8 | $25.00 | $25.00 | 10/5/2010 9:33:49 AM |
| HalfDayz | $50.00 | $50.00 | 10/5/2010 2:45:16 PM |
| point-shooter | $50.00 | $50.00 | 10/5/2010 1:24:08 PM |
| heerzaquestion | $25.00 | $25.00 | 10/5/2010 2:06:34 PM |
| Phantom99 | $25.00 | $25.00 | 10/5/2010 2:58:29 PM |
| fsa3 | $50.00 | $50.00 | 10/5/2010 4:23:18 PM |
| fairwealth | $25.00 | $25.00 | 10/5/2010 6:57:45 PM |
| checkuto | $25.00 | $25.00 | 10/5/2010 6:53:59 PM |
| focused-wampum | $25.00 | $25.00 | 10/5/2010 8:52:51 PM |
| timepassport | $25.00 | $25.00 | 10/5/2010 10:19:25 PM |
| Cheburashka | $25.00 | $25.00 | 10/6/2010 12:52:54 AM |
| friendly-credit2 | $50.00 | $50.00 | 10/6/2010 2:27:47 AM |
| eadamson | $26.50 | $26.50 | 10/6/2010 6:57:42 AM |
| peaceful-bazaar497 | $30.00 | $30.00 | 10/6/2010 9:33:34 AM |
| stoopidnoodle | $25.00 | $25.00 | 10/6/2010 9:59:26 AM |
| repaymeplease | $25.00 | $25.00 | 10/6/2010 10:16:16 AM |
| loan-mammal | $25.00 | $25.00 | 10/6/2010 10:18:33 AM |
| kanedukke | $27.45 | $27.45 | 10/6/2010 9:02:21 AM |
| compwhiz | $25.00 | $25.00 | 10/6/2010 9:24:45 AM |
| benefit-comforter | $25.00 | $25.00 | 10/6/2010 9:33:46 AM |
| mmaurer | $30.00 | $30.00 | 10/6/2010 11:12:55 AM |
| thoughtful-community7 | $25.00 | $25.00 | 10/6/2010 12:18:45 PM |
| newest-orbital-justice | $25.00 | $25.00 | 10/6/2010 10:48:09 AM |
| jojo6686 | $25.00 | $25.00 | 10/6/2010 1:14:42 PM |
| promise2 | $50.00 | $50.00 | 10/6/2010 12:48:02 PM |
| autonomous-basis | $25.00 | $25.00 | 10/6/2010 12:13:49 PM |
| nalaari | $25.00 | $25.00 | 10/6/2010 1:03:59 PM |
| Cai8899 | $50.00 | $50.00 | 10/6/2010 1:14:27 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/6/2010 2:21:36 PM |
| nanda | $35.01 | $35.01 | 10/6/2010 2:38:12 PM |
| ManhattanLender | $34.66 | $34.66 | 10/6/2010 3:11:17 PM |
| williemc44 | $50.00 | $50.00 | 10/6/2010 3:10:25 PM |
| IIP77 | $25.00 | $16.09 | 10/6/2010 3:10:40 PM |
| harvicseeds | $60.00 | $60.00 | 10/6/2010 8:20:11 PM |
| gogrannygo | $50.00 | $50.00 | 10/6/2010 4:01:17 PM |
| LendToCause | $25.00 | $25.00 | 10/6/2010 7:51:42 PM |
| credit-kahuna | $50.00 | $50.00 | 10/6/2010 8:55:19 PM |
| forthright-principal2 | $25.00 | $25.00 | 10/6/2010 8:56:28 PM |
| the-silver-blaster | $50.00 | $50.00 | 10/6/2010 8:57:41 PM |
| prohelper | $50.00 | $50.00 | 10/6/2010 8:55:27 PM |
| LibbyZ | $50.00 | $50.00 | 10/6/2010 6:47:46 PM |
| blagosboy | $50.00 | $50.00 | 10/6/2010 9:19:42 PM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:36:12 AM |
| AM2008 | $25.00 | $25.00 | 10/7/2010 4:36:45 AM |
| toddr54 | $25.00 | $25.00 | 10/7/2010 6:02:52 AM |
| _NaLNaBB | $500.00 | $500.00 | 10/6/2010 9:44:10 PM |
| all_of_that_one | $35.00 | $35.00 | 10/7/2010 5:58:12 AM |
| johnk317 | $34.27 | $34.27 | 10/7/2010 7:33:20 AM |
| jybank | $25.00 | $25.00 | 10/6/2010 10:56:06 PM |
| JeramyU | $30.00 | $30.00 | 10/7/2010 7:52:31 AM |
| moneytolend72 | $25.00 | $25.00 | 10/7/2010 7:32:17 AM |
| Cambium | $35.00 | $35.00 | 10/7/2010 3:49:27 AM |
| JeffHoll | $50.00 | $50.00 | 10/7/2010 8:24:29 AM |
| 12Knocksinna | $31.08 | $31.08 | 10/7/2010 6:18:34 AM |
| Ven58 | $25.00 | $25.00 | 10/7/2010 8:59:25 AM |
| DasMula | $25.00 | $25.00 | 10/7/2010 7:22:09 AM |
| TakeCare | $50.00 | $50.00 | 10/7/2010 9:35:29 AM |
| Astyanax | $100.00 | $100.00 | 10/7/2010 9:29:52 AM |
| UBOtto186 | $25.00 | $25.00 | 10/7/2010 8:19:09 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 10/7/2010 10:35:23 AM |
| economy-caper9 | $25.00 | $25.00 | 10/7/2010 11:40:09 AM |
| social-zebra | $30.00 | $30.00 | 10/7/2010 11:50:50 AM |
| favorite-commerce | $100.00 | $100.00 | 10/7/2010 10:15:50 AM |
| Peterman | $25.00 | $25.00 | 10/7/2010 12:52:14 PM |
| mgking007 | $25.73 | $25.73 | 10/7/2010 11:05:02 AM |
| lucrative-coin | $50.00 | $50.00 | 10/7/2010 1:58:44 PM |
| systematic-trade | $44.83 | $44.83 | 10/7/2010 1:21:09 PM |
| ready-agreement5 | $100.00 | $100.00 | 10/7/2010 1:45:46 PM |
| credit-guard5 | $25.00 | $25.00 | 10/7/2010 12:49:49 PM |
| simplelender80 | $250.00 | $250.00 | 9/30/2010 2:43:34 PM |
| Weaverville | $25.00 | $25.00 | 9/30/2010 2:39:19 PM |
| psa1995 | $50.00 | $50.00 | 9/30/2010 2:45:57 PM |
| kegs | $150.00 | $150.00 | 9/30/2010 2:46:22 PM |
| objective-investor | $100.00 | $100.00 | 9/30/2010 2:47:21 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/30/2010 2:40:32 PM |
| DRA-Properties | $25.00 | $25.00 | 9/30/2010 2:43:20 PM |
| pfh | $25.00 | $25.00 | 9/30/2010 2:43:53 PM |
| jazzlender | $25.00 | $25.00 | 9/30/2010 2:44:18 PM |
| 108lender | $100.00 | $100.00 | 9/30/2010 2:46:16 PM |
| red-robust-rupee | $25.00 | $25.00 | 9/30/2010 2:46:27 PM |
| ray1051 | $25.00 | $25.00 | 9/30/2010 2:44:57 PM |
| mtp | $50.00 | $50.00 | 9/30/2010 2:47:02 PM |
| lendstats_com | $25.00 | $25.00 | 9/30/2010 2:47:40 PM |
| JoyfulVegetarian | $25.00 | $25.00 | 9/30/2010 2:48:10 PM |
| miket71 | $54.11 | $54.11 | 9/30/2010 3:12:57 PM |
| money-boots2 | $25.00 | $25.00 | 9/30/2010 3:32:52 PM |
| gallant-economy9 | $400.00 | $400.00 | 9/30/2010 3:44:59 PM |
| money-bauble | $100.00 | $100.00 | 9/30/2010 3:03:52 PM |
| mulberry4 | $50.00 | $50.00 | 9/30/2010 6:13:23 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/30/2010 3:44:58 PM |
| bowdish1 | $50.00 | $50.00 | 9/30/2010 4:47:33 PM |
| elevated-truth | $25.00 | $25.00 | 9/30/2010 10:58:23 PM |
| tech310 | $50.00 | $50.00 | 10/1/2010 1:35:10 AM |
| soheagle | $50.00 | $50.00 | 10/1/2010 1:53:23 AM |
| RedCentre | $29.56 | $29.56 | 10/1/2010 12:05:39 AM |
| Interstate_Rate | $100.00 | $100.00 | 10/1/2010 1:53:49 AM |
| AF-Chief | $25.00 | $25.00 | 10/1/2010 5:18:53 AM |
| danthemon35 | $25.00 | $25.00 | 10/1/2010 4:01:04 AM |
| zacharyd | $50.00 | $50.00 | 10/1/2010 6:16:04 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/1/2010 5:10:05 AM |
| jdrez | $25.00 | $25.00 | 10/1/2010 5:49:24 AM |
| get30inc | $38.80 | $38.80 | 10/1/2010 5:52:56 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/1/2010 6:05:29 AM |
| nickel-hickory | $25.00 | $25.00 | 10/1/2010 7:59:38 AM |
| Sol_Invictus | $25.00 | $25.00 | 10/1/2010 6:53:36 AM |
| UncleSafety | $100.00 | $100.00 | 10/1/2010 8:32:56 AM |
| Aimvest | $25.00 | $25.00 | 10/1/2010 9:36:57 AM |
| gold-channel2 | $25.00 | $25.00 | 10/1/2010 9:37:47 AM |
| Benjamin_Orban | $25.00 | $25.00 | 10/1/2010 11:43:29 AM |
| SOP_Bank | $25.00 | $25.00 | 10/1/2010 1:55:10 PM |
| orange-resolute-platinum | $25.00 | $25.00 | 10/1/2010 1:33:27 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/1/2010 2:38:30 PM |
| lendingfrog | $50.00 | $50.00 | 10/1/2010 4:52:53 PM |
| JustMee | $25.00 | $25.00 | 10/1/2010 7:39:21 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/1/2010 11:39:24 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/2/2010 12:13:44 AM |
| generous-deal6 | $50.00 | $50.00 | 10/1/2010 11:58:32 PM |
| lending_well | $25.00 | $25.00 | 10/2/2010 6:53:06 AM |
| Preferred-Lender | $25.00 | $25.00 | 10/2/2010 2:28:57 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/2/2010 3:13:58 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/2/2010 10:19:08 PM |
| tsui517 | $25.00 | $25.00 | 10/3/2010 10:53:28 PM |
| Saleen06 | $75.00 | $75.00 | 10/3/2010 9:42:57 PM |
| LandoC1 | $50.00 | $50.00 | 10/4/2010 2:33:56 AM |
| elfincove | $50.00 | $50.00 | 10/4/2010 9:33:26 AM |
| RationalWorld | $25.00 | $25.00 | 10/4/2010 9:27:54 AM |
| cclady | $100.00 | $100.00 | 10/4/2010 9:46:46 AM |
| Investoman | $25.00 | $25.00 | 10/4/2010 11:51:28 AM |
| fairness-kayak | $50.00 | $50.00 | 10/4/2010 11:17:42 AM |
| graceful-investment | $100.00 | $100.00 | 10/4/2010 12:12:37 PM |
| alpinaut | $25.00 | $25.00 | 10/4/2010 2:24:26 PM |
| icecoldcash | $50.00 | $50.00 | 10/4/2010 4:08:05 PM |
| riproaringrapids | $25.00 | $25.00 | 10/4/2010 8:08:36 PM |
| Charlieofalbany | $25.00 | $25.00 | 10/4/2010 8:33:57 PM |
| mjunlimited | $50.00 | $50.00 | 10/4/2010 9:42:51 PM |
| adir1 | $25.00 | $25.00 | 10/4/2010 10:47:57 PM |
| ski bum | $25.28 | $25.28 | 10/5/2010 1:04:15 AM |
| gracej | $25.00 | $25.00 | 10/5/2010 1:32:18 AM |
| credit-coach118 | $25.00 | $25.00 | 10/5/2010 9:00:40 AM |
| power-kin | $50.00 | $50.00 | 10/5/2010 9:33:15 AM |
| chemistry220 | $50.00 | $50.00 | 10/5/2010 9:35:28 AM |
| sophisticated-economy8 | $25.00 | $25.00 | 10/5/2010 2:08:33 PM |
| MarinLoans | $25.00 | $25.00 | 10/5/2010 2:43:18 PM |
| bold-careful-finance | $25.00 | $25.00 | 10/5/2010 2:47:46 PM |
| jennifer55126 | $25.00 | $25.00 | 10/5/2010 2:50:23 PM |
| mpactlender | $25.00 | $25.00 | 10/5/2010 2:43:06 PM |
| FadSaolAgat | $50.00 | $50.00 | 10/5/2010 3:36:37 PM |
| Yaj | $25.00 | $25.00 | 10/5/2010 5:04:14 PM |
| jrbill1998 | $50.00 | $50.00 | 10/5/2010 5:19:46 PM |
| oracle3 | $25.00 | $25.00 | 10/5/2010 7:03:05 PM |
| rawman | $25.00 | $25.00 | 10/5/2010 6:35:13 PM |
| return-elm | $25.00 | $25.00 | 10/6/2010 12:31:43 AM |
| self-reliant-integrity0 | $50.00 | $50.00 | 10/6/2010 12:18:10 AM |
| chlebie | $25.00 | $25.00 | 10/6/2010 2:06:28 AM |
| itnAAnti | $25.00 | $25.00 | 10/6/2010 6:18:44 AM |
| first-charming-fund | $25.00 | $25.00 | 10/6/2010 8:03:04 AM |
| katnmouse | $25.00 | $25.00 | 10/6/2010 9:10:00 AM |
| respectful-integrity3 | $25.00 | $25.00 | 10/6/2010 8:41:19 AM |
| chinolatino | $25.00 | $25.00 | 10/6/2010 9:18:10 AM |
| maltma | $43.33 | $43.33 | 10/6/2010 7:04:43 AM |
| vigorous-integrity8 | $25.00 | $25.00 | 10/6/2010 9:33:58 AM |
| fabulous-revenue7 | $25.00 | $25.00 | 10/6/2010 9:34:19 AM |
| helvet | $25.00 | $25.00 | 10/6/2010 9:34:23 AM |
| wacko82 | $50.00 | $50.00 | 10/6/2010 10:23:22 AM |
| CLoViq | $50.00 | $50.00 | 10/6/2010 9:59:28 AM |
| djh47a | $25.00 | $25.00 | 10/6/2010 11:12:46 AM |
| bodascafe | $25.00 | $25.00 | 10/6/2010 12:19:44 PM |
| active-wealth3 | $25.00 | $25.00 | 10/6/2010 10:39:42 AM |
| trade-caper | $25.00 | $25.00 | 10/6/2010 12:18:41 PM |
| Slipps | $25.00 | $25.00 | 10/6/2010 12:18:46 PM |
| patriot384 | $360.00 | $360.00 | 10/6/2010 12:48:16 PM |
| ptjg | $50.00 | $50.00 | 10/6/2010 1:14:39 PM |
| melodious-fairness | $25.00 | $25.00 | 10/6/2010 12:56:04 PM |
| tuneman1980 | $25.00 | $25.00 | 10/6/2010 3:05:14 PM |
| bxdoc | $62.67 | $62.67 | 10/6/2010 3:07:07 PM |
| Ripsaw4U | $50.00 | $50.00 | 10/6/2010 3:10:23 PM |
| credit-panda1 | $25.00 | $25.00 | 10/6/2010 3:20:55 PM |
| blue-dollar-viking | $25.00 | $25.00 | 10/6/2010 6:35:25 PM |
| kind-value-pouch | $49.00 | $49.00 | 10/6/2010 5:14:51 PM |
| hope-lionheart1 | $25.00 | $25.00 | 10/6/2010 9:18:36 PM |
| MattProsper | $60.00 | $60.00 | 10/6/2010 9:28:20 PM |
| greenback-ally | $50.00 | $50.00 | 10/6/2010 9:34:41 PM |
| friendinmoney | $25.00 | $25.00 | 10/6/2010 8:42:16 PM |
| jodilee31 | $65.65 | $65.65 | 10/7/2010 2:18:09 AM |
| Mindful7 | $25.00 | $25.00 | 10/7/2010 4:47:55 AM |
| squarebob | $25.00 | $25.00 | 10/7/2010 6:36:33 AM |
| aleong | $25.00 | $25.00 | 10/7/2010 7:20:35 AM |
| economy-popcorn | $25.00 | $25.00 | 10/7/2010 5:59:00 AM |
| peaceful-farmer | $30.00 | $30.00 | 10/7/2010 8:48:16 AM |
| BuzzyBee336 | $35.00 | $35.00 | 10/7/2010 8:22:44 AM |
| octoberfresh | $25.00 | $25.00 | 10/7/2010 6:47:46 AM |
| encore739 | $25.00 | $25.00 | 10/7/2010 9:14:37 AM |
| triumphant-bonus | $31.00 | $31.00 | 10/7/2010 9:47:06 AM |
| Trapman13 | $50.00 | $50.00 | 10/7/2010 9:59:59 AM |
| velocity-winner | $25.00 | $25.00 | 10/7/2010 10:53:16 AM |
| wwwUniversal | $25.00 | $25.00 | 10/7/2010 12:08:06 PM |
| hebergee | $25.00 | $25.00 | 10/7/2010 11:39:45 AM |
| toomanyfishtanks | $25.00 | $25.00 | 10/7/2010 9:16:23 AM |
| selector568 | $200.00 | $200.00 | 10/7/2010 10:04:55 AM |
| AM2171 | $25.00 | $25.00 | 10/7/2010 12:53:02 PM |
| grampy48 | $25.00 | $25.00 | 10/7/2010 1:57:23 PM |
| revenue-appraiser | $25.00 | $25.00 | 10/7/2010 2:04:54 PM |
| exuberant-loot | $50.00 | $50.00 | 10/7/2010 1:50:51 PM |
| DSK_Financials | $50.00 | $50.00 | 10/7/2010 2:23:49 PM |
| autonomous-kindness | $50.00 | $50.00 | 10/7/2010 2:30:17 PM |
| 281 bids
|
Borrower Payment Dependent Notes Series
477621
This series of Notes was issued and sold upon the funding of the borrower loan #44802, 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:
| 18.3% |
Auction start date:
| Sep-30-2010 |
| |
Auction end date:
| Oct-07-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 6m |
|
Amount delinquent:
| $84 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,438 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| SunShine1925 |
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
Supplemental Income for 5 Months
Purpose of loan:
Supplemental Income during Maternity leave and Cesarean section funding will assist with maintaining all my finacial obligations during this time. ,
My financial situation:
I am on good financial footing because I pay all my bills on time and take my financial responsibility very seriously. I also have great job security during these tough economic times so making my monthly payments wont be a problem.
Monthly net income: $ 5900
Monthly expenses: $?
??Housing: $ 1,786
Insurance: $77
Car expenses: $450 + Gas $150
Utilities: $ 350
Phone, cable, internet: $ 130
Food, entertainment: $ 500
Clothing, household expenses $ 300
Credit cards and other loans: $ 105
Medical expenses : $70
Other expenses: Tithes 10% of take home Total = $590
Total monthly expenses = $ 4,508
For some reason Prosper sent me an email stating my address could not be verified when, I have received and confirmed my address via the post card mailed to me. So my previous listing was full funded but communication error did not allow my loan to be proccesed.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
can you explain your delinquency - restless-dime
A:
The $84 was from a unknowing membership to Columbia house. Although I sent the titles back unopened I was being charged for the membership. I became aware of this after checking my credit for the purchase of a home, It was immediately resolved.
(Oct-04-2010)
Q:
will you set up automatic payments - restless-dime
A:
Yes Lender Restless - Dime I will setup automatic repayments of my prosper loan But from my understanding Prosper Fixed monthly payments are automatically withdrawn from your bank.
(Oct-04-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| villagers | $25.00 | $25.00 | 9/30/2010 6:17:51 PM |
| Sackking32 | $350.00 | $350.00 | 9/30/2010 8:38:43 PM |
| Artist_Blue | $25.00 | $25.00 | 10/1/2010 1:33:44 AM |
| Rogelio48 | $35.00 | $35.00 | 10/1/2010 4:19:03 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/1/2010 3:55:37 AM |
| penny-plato | $25.00 | $25.00 | 10/1/2010 10:14:32 AM |
| Diamond_Jim | $25.00 | $25.00 | 10/1/2010 1:28:24 PM |
| niceguy777 | $25.00 | $25.00 | 10/1/2010 2:44:32 PM |
| diversification-maple1 | $25.00 | $25.00 | 10/2/2010 7:26:08 AM |
| larryboy10 | $25.00 | $25.00 | 10/2/2010 12:15:43 PM |
| brondero | $50.00 | $50.00 | 10/3/2010 12:06:14 AM |
| jazz619 | $25.00 | $25.00 | 10/3/2010 7:48:13 PM |
| kulender | $45.23 | $45.23 | 10/3/2010 7:37:52 PM |
| Sudoku | $50.00 | $50.00 | 10/4/2010 3:39:21 AM |
| restless-dime | $25.00 | $25.00 | 10/4/2010 7:18:21 AM |
| ralf206 | $25.00 | $25.00 | 10/4/2010 7:14:10 PM |
| Sudoku | $197.68 | $197.68 | 10/4/2010 9:13:23 PM |
| restless-dime | $25.00 | $25.00 | 10/4/2010 10:26:28 PM |
| 340 | $50.00 | $50.00 | 10/6/2010 1:19:07 AM |
| payment-encore | $200.00 | $200.00 | 10/6/2010 4:18:16 PM |
| Chewbaca | $25.00 | $25.00 | 10/6/2010 4:23:37 PM |
| Leshan | $25.00 | $25.00 | 10/7/2010 8:17:32 AM |
| DasMula | $25.00 | $25.00 | 10/7/2010 8:05:06 AM |
| lively-exchange | $40.00 | $40.00 | 10/7/2010 9:52:11 AM |
| aquistoyraul | $25.00 | $25.00 | 10/7/2010 11:49:34 AM |
| ddoneday | $25.00 | $25.00 | 10/7/2010 1:04:11 PM |
| loan-kung-fu | $25.00 | $25.00 | 9/30/2010 10:58:12 PM |
| Sudoku | $1,500.00 | $1,500.00 | 10/1/2010 3:07:20 AM |
| AlexTrep | $50.00 | $50.00 | 10/1/2010 10:33:08 AM |
| cablenews | $25.00 | $25.00 | 10/1/2010 10:48:45 AM |
| Sudoku | $500.00 | $500.00 | 10/2/2010 7:19:18 PM |
| head | $25.00 | $13.58 | 10/5/2010 2:54:33 PM |
| icecoldcash | $25.00 | $25.00 | 10/5/2010 2:49:05 PM |
| nickel-position | $25.00 | $25.00 | 10/6/2010 1:13:49 AM |
| jedijenn | $25.00 | $25.00 | 10/6/2010 10:30:16 AM |
| kaianja | $50.00 | $50.00 | 10/6/2010 8:37:07 PM |
| feb217 | $35.00 | $35.00 | 10/6/2010 8:29:38 PM |
| squarebob | $25.00 | $25.00 | 10/7/2010 6:30:01 AM |
| minnesotafinancial | $25.00 | $25.00 | 10/7/2010 6:33:49 AM |
| squarebob | $25.00 | $25.00 | 10/7/2010 6:31:04 AM |
| Astyanax | $75.00 | $75.00 | 10/7/2010 9:36:33 AM |
| Lender12 | $1,037.51 | $1,037.51 | 10/7/2010 9:46:26 AM |
| catb | $45.00 | $45.00 | 10/7/2010 11:08:34 AM |
| social-zebra | $26.00 | $26.00 | 10/7/2010 11:52:42 AM |
| gothampark | $25.00 | $25.00 | 10/7/2010 12:23:43 PM |
| 45 bids
|
Borrower Payment Dependent Notes Series
477807
This series of Notes was issued and sold upon the funding of the borrower loan #44789, 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:
| 10.8% |
Auction start date:
| Oct-04-2010 |
| |
Auction end date:
| Oct-09-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $123.28 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $123.28 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-2005 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,755 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| LOOKER4 |
Borrower's state:
| Hawaii |
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
Last minute wedding expenses
Purpose of loan:
This loan will be used to?
pay for last minute wedding expenses.? I am getting married in two weeks and have a few small loose ends to tie up.
My financial situation:
I am a good candidate for this loan because?
I am a full time employee and so is my fiance', soon to be wife.?
Monthly net income: $
2500
We are currently living with my future in laws and are not paying rent.? Just helping out with groceries and stuff.? I am a honest person who pays all his debts and is up an up with people.? I will answer any and all questions that pertain to this loan request.? I have been a lender on prosper for a few years but have never tried to get a loan.? I hope and pray that the Prosper community can come together to help me and my fiance' make our special day a memorable one.? I thank you for looking at my listing and thank you for considering me a worthy candidate of your hard earned money.
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 explain the three delinquencies? - rockhound84
A:
When I was about 22, I struggled with paying a high balance card which was the result of stupid spending in college. I had talked to a collector representing the credit card company and needed to settle for less.
I don't know what the other delinquencies are for honestly.
(Oct-06-2010)
Q:
What is your occupation and income potential? Good luck with your loan. - filovirus
A:
I work one on one with autistic children.
(Oct-07-2010)
Q:
You say you are an honest person that has never tried for a loan before yet your profile shows that this is your ninth request? Please square this for me. My bid is dependent on your answer.
Thanks - corporatejim
A:
I have casually tried to attempt bigger loans in the past. My prosper score was very low and my listings drew little attention. So soon after I withdrew them everytime within a day or two. None of those other attempts were as important as this one.
(Oct-08-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| sfmf | $25.00 | $25.00 | 10/4/2010 2:38:30 PM |
| tech310 | $50.00 | $50.00 | 10/4/2010 2:39:38 PM |
| bid-czar8 | $25.00 | $25.00 | 10/4/2010 2:43:04 PM |
| kulender | $50.00 | $50.00 | 10/4/2010 2:48:44 PM |
| AlexTrep | $50.00 | $50.00 | 10/4/2010 2:47:57 PM |
| 6moonbeams | $25.00 | $25.00 | 10/4/2010 2:51:02 PM |
| rescue | $36.71 | $36.71 | 10/4/2010 2:53:44 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/4/2010 2:50:40 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/4/2010 2:51:25 PM |
| graceful-investment | $100.00 | $100.00 | 10/4/2010 3:37:12 PM |
| simplelender80 | $250.00 | $250.00 | 10/4/2010 3:38:20 PM |
| b-rent | $25.00 | $25.00 | 10/4/2010 3:39:11 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/4/2010 6:18:48 PM |
| papaloha | $25.00 | $25.00 | 10/5/2010 3:03:20 AM |
| thrifty-capital | $25.00 | $25.00 | 10/5/2010 1:38:55 PM |
| JGuide | $26.15 | $26.15 | 10/5/2010 2:17:36 PM |
| S-Master | $50.00 | $50.00 | 10/5/2010 5:34:47 PM |
| frogperson | $200.00 | $200.00 | 10/5/2010 5:54:25 PM |
| mamasbeachhouse | $100.00 | $100.00 | 10/5/2010 6:22:52 PM |
| SqueezeKing | $25.00 | $25.00 | 10/6/2010 9:18:05 AM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/6/2010 9:49:10 AM |
| Milonguero | $100.00 | $100.00 | 10/6/2010 10:03:10 AM |
| best-deal-escalator | $25.00 | $25.00 | 10/6/2010 2:32:33 PM |
| 108lender | $100.00 | $100.00 | 10/6/2010 3:14:34 PM |
| escharfer | $25.00 | $23.78 | 10/6/2010 3:14:39 PM |
| leverage-monger | $25.00 | $25.00 | 10/6/2010 3:27:33 PM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:40:53 AM |
| FinanceEngine | $30.00 | $30.00 | 10/7/2010 9:37:11 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 9:02:11 AM |
| SkinnyFish | $25.00 | $25.00 | 10/7/2010 3:09:19 PM |
| poolshark72 | $25.00 | $25.00 | 10/7/2010 9:52:12 PM |
| new-social-economist | $50.00 | $50.00 | 10/7/2010 10:39:16 PM |
| EngineersAlliance | $100.00 | $100.00 | 10/7/2010 10:42:46 PM |
| sensational-dollar | $25.00 | $25.00 | 10/8/2010 5:34:05 AM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 11:05:03 AM |
| dudebrah | $25.00 | $25.00 | 10/9/2010 5:58:19 AM |
| aztocas | $25.00 | $25.00 | 10/9/2010 7:27:03 AM |
| drsny66 | $25.00 | $25.00 | 10/9/2010 4:42:59 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 10:59:49 AM |
| transaction-circuit | $50.00 | $50.00 | 10/4/2010 2:40:31 PM |
| handshake5 | $100.00 | $100.00 | 10/4/2010 2:42:50 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/4/2010 2:44:36 PM |
| agiovasil | $25.00 | $25.00 | 10/4/2010 2:46:28 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 10/4/2010 3:38:12 PM |
| villagers | $42.48 | $42.48 | 10/4/2010 3:52:49 PM |
| numitor | $50.00 | $50.00 | 10/5/2010 8:58:21 AM |
| neorunner | $25.00 | $25.00 | 10/5/2010 3:23:23 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/5/2010 11:42:43 PM |
| loan-mammal | $25.00 | $25.00 | 10/6/2010 10:18:44 AM |
| icecoldcash | $30.00 | $30.00 | 10/6/2010 3:11:09 PM |
| irrelevant | $25.00 | $25.00 | 10/6/2010 3:13:23 PM |
| Comoparklender | $40.00 | $40.00 | 10/6/2010 3:13:33 PM |
| dinero-vista2 | $25.00 | $25.00 | 10/6/2010 8:16:23 PM |
| 1stofthemonth | $25.82 | $25.82 | 10/7/2010 6:06:09 PM |
| lender-inc | $50.22 | $50.22 | 10/7/2010 8:07:15 PM |
| rockhound84 | $25.00 | $25.00 | 10/7/2010 11:52:45 PM |
| jasbra | $25.00 | $25.00 | 10/7/2010 6:03:00 PM |
| FriendInSeattle | $100.00 | $100.00 | 10/8/2010 7:33:41 AM |
| sharp-revenue3 | $25.00 | $25.00 | 10/8/2010 7:47:14 AM |
| LibbyZ | $50.00 | $50.00 | 10/8/2010 2:19:54 PM |
| marwadi-62 | $50.00 | $50.00 | 10/8/2010 3:15:18 PM |
| Pu239 | $60.00 | $60.00 | 10/8/2010 5:46:35 PM |
| satisfying-deal5 | $34.84 | $34.84 | 10/9/2010 3:20:02 AM |
| labyrinth0 | $25.00 | $25.00 | 10/8/2010 9:51:25 PM |
| umfan123 | $25.00 | $25.00 | 10/9/2010 10:07:51 AM |
| 65 bids
|
Borrower Payment Dependent Notes Series
477819
This series of Notes was issued and sold upon the funding of the borrower loan #44768, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Oct-04-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 14.16% |
Starting borrower rate/APR:
| 15.16% / 17.33% |
Starting monthly payment:
| $104.23 |
|
Final lender yield:
| 13.00% |
Final borrower rate/APR:
| 14.00% / 16.16% |
Final monthly payment:
| $102.53 |
| |
|
Auction yield range:
| 5.79% - 14.16% |
Estimated loss impact:
| 6.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.83% | | |
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 score (1-10):
| 8 |
First credit line:
| Nov-1985 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
6 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,135 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| principal-pagoda |
Borrower's state:
| NorthCarolina |
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
Bringing family to the US for visit
Purpose of loan:
The specific purpose for this loan is to bring my mother- and father-in-law to the US from India for a trip.? My wife has not seen her parents since our wedding in India -almost 4 years ago.? I find that very saddening, as I am also quote close to them.? We would like to visit; however, our work schedules make the kind of time off necessary for a trip that far unattainable.
My financial situation:
Several reasons.? I am a recent recipient of a Ph.D. in Biology.? I have a current position as a research fellow in a very large institute.? Thus, my employment by virtue of my degree, the field I am in, and my employer is very stable.? In fact, it is likely that I will experience a substantial bump in my pay upon the completion of my fellowship (within the payback period of this loan); however, I don't expect any of you the factor that in your decision to fund or not fund my loan.? My wife is an engineer and has a substantial income as well.? Intuitively one might ask "Well why can't you afford to pay for the tickets by virtue of your salaries?"? The answer is pretty straightforward:? We're trying to actively pay down ugly revolving debt mostly on her end and we don't want to threaten the cash we have on hand that is strictly for emergencies.? If I had my druthers, we'd wait a little longer to bring her parents over when some of those debts are retired; however, this is probably the best time we'll ever have -before we have children and when her parents' schedules best permit it.? I will say that we do have enough in savings right now and every month to cover the loan.? I hope that improves your confidence in this listing.
Comment on late payments:? These occurred in 2008 as I was completing my Ph.D. and my graduate stipend was exhausted (my Ph.D. adviser ran out of funding).? That resulted in a tremendous cash crunch and the subsequent late payments.? Since then 100% current and my utilization has decreased drastically.
Monthly net income: $? From $0-$1000/mo. depending on how aggressively we send left over money to attack my wife's debt.
Monthly expenses: $
??Housing: $?
650
??Insurance: $?
50
??Car expenses: $
425, will be paid off? April 2011.
??Utilities: $? 150
??Phone, cable, internet: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I just have to ask...so how much does your wife owe on Her credit cards and how did she accumulate that balance? Thank you! - proton346
A:
Thank you for your question and interest in the listing! She currently owes $3000 on a limit of $5200, $0 on a limit of $500, $1200 on a limit of $1700, and $520 on a limit of $1200. That's $4720 of $8600 by my math. The balances were accumulated because of the decision (preceding us meeting) of taking cash advances to cover a shortfall in tuition expenses. She was an international student and as such had a very large tuition bill with limited options to pay for it.
(Oct-07-2010)
Q:
Have you tried consolidating these debts into the lowest APR card that she holds? Sometimes you can do that. - best-shiny-hope
A:
Thank you for your question. Unfortunately the lowest APR card she has also doubles as the one with the lowest credit limit. Plus there's also the issue of balance transfer fees. This loan option is nice because it's also fixed term, not revolving.
What the issue ultimately boils down to is having her parents come sooner than later without risking emergency cash. Personally I wish the trip could be in April or May but it's best for them to come in November.
(Oct-07-2010)
Q:
I wish I had more money in my account to support a fellow Indian. I hope that you will uphold my faith in you. - principal-star
A:
Thank you for your kind words and support.
The money we are seeking in this loan will never belong to us, it is merely borrowed. It absolutely will be repaid per the terms of the loan.
(Oct-11-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| OoM | $30.00 | $30.00 | 10/4/2010 7:33:27 PM |
| wwwUniversal | $25.00 | $25.00 | 10/5/2010 1:44:48 AM |
| dollardave | $26.93 | $26.93 | 10/5/2010 2:09:11 AM |
| sturdy-velocity6 | $25.00 | $25.00 | 10/5/2010 2:33:05 PM |
| best-listing-toro | $25.00 | $25.00 | 10/5/2010 9:42:16 PM |
| loss-of-control | $25.00 | $25.00 | 10/5/2010 7:41:00 PM |
| corndog4000 | $150.00 | $150.00 | 10/6/2010 2:00:38 AM |
| LibbyZ | $37.50 | $37.50 | 10/6/2010 6:47:53 PM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:41:21 AM |
| selector568 | $400.00 | $388.14 | 10/7/2010 10:08:11 AM |
| bicyclist2270 | $25.00 | $25.00 | 10/7/2010 5:04:09 PM |
| lawstudent1 | $35.00 | $35.00 | 10/8/2010 1:00:33 PM |
| noconnor01 | $25.00 | $25.00 | 10/8/2010 2:36:00 PM |
| marwadi-62 | $200.00 | $200.00 | 10/8/2010 3:15:46 PM |
| Photoman42 | $25.00 | $25.00 | 10/8/2010 8:47:55 PM |
| Tizzo27 | $37.46 | $37.46 | 10/9/2010 12:03:18 PM |
| djenge | $25.00 | $25.00 | 10/9/2010 3:59:04 AM |
| bid-czar8 | $50.00 | $50.00 | 10/9/2010 4:15:18 AM |
| gogrannygo | $25.00 | $25.00 | 10/9/2010 12:03:24 PM |
| focused-dime8 | $44.89 | $44.89 | 10/9/2010 7:02:34 PM |
| evildutchman | $50.00 | $50.00 | 10/9/2010 5:49:08 PM |
| SeekingAlpha | $30.00 | $30.00 | 10/9/2010 10:21:08 AM |
| Ambassador | $25.00 | $25.00 | 10/9/2010 7:29:59 PM |
| a_andy | $29.28 | $29.28 | 10/11/2010 9:26:21 AM |
| wealthydc | $25.00 | $25.00 | 10/10/2010 8:13:21 PM |
| erowis | $25.00 | $25.00 | 10/11/2010 10:48:57 AM |
| rajs | $250.00 | $250.00 | 10/11/2010 9:17:28 AM |
| lucrative-coin | $50.00 | $50.00 | 10/11/2010 11:01:39 AM |
| Loandoc62 | $25.00 | $25.00 | 10/11/2010 10:29:26 AM |
| HomerdohNY | $25.00 | $25.00 | 10/11/2010 11:09:34 AM |
| _NaLNaBB | $100.00 | $100.00 | 10/11/2010 12:49:15 PM |
| dpries123 | $25.00 | $25.00 | 10/11/2010 1:59:25 PM |
| social-zebra | $30.00 | $30.00 | 10/11/2010 10:46:01 AM |
| Shanester | $25.00 | $25.00 | 10/11/2010 11:35:21 AM |
| jabberwockgee | $28.89 | $28.89 | 10/11/2010 2:08:42 PM |
| lendingfrog | $50.00 | $50.00 | 10/4/2010 2:49:25 PM |
| bondhedger | $25.00 | $25.00 | 10/4/2010 2:52:47 PM |
| Slapshot | $25.00 | $25.00 | 10/5/2010 8:13:14 AM |
| cutter21 | $25.00 | $25.00 | 10/5/2010 4:39:26 PM |
| Land_on_your_feet | $25.00 | $25.00 | 10/5/2010 7:14:30 PM |
| Kessler | $28.00 | $28.00 | 10/7/2010 9:34:06 AM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 11:06:18 AM |
| noconnor01 | $50.00 | $50.00 | 10/8/2010 2:33:49 PM |
| icecoldcash | $100.00 | $100.00 | 10/8/2010 7:18:00 PM |
| Mindful7 | $25.00 | $25.00 | 10/9/2010 12:50:39 PM |
| autoconnection | $25.00 | $25.00 | 10/10/2010 6:19:11 AM |
| MrCoffee | $25.00 | $25.00 | 10/10/2010 12:01:49 AM |
| wikkiewikkie | $50.00 | $50.00 | 10/10/2010 9:13:20 PM |
| CSAworker | $25.00 | $25.00 | 10/11/2010 6:33:08 AM |
| IwillHuntUdown | $48.91 | $48.91 | 10/11/2010 5:57:32 AM |
| trade-elm | $30.00 | $30.00 | 10/11/2010 6:50:04 AM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/11/2010 8:56:20 AM |
| principal-star | $25.00 | $25.00 | 10/11/2010 9:27:59 AM |
| StreetJustice | $100.00 | $100.00 | 10/10/2010 8:13:14 PM |
| massuot | $25.00 | $25.00 | 10/11/2010 10:56:26 AM |
| forthright-trade | $25.00 | $25.00 | 10/11/2010 11:50:46 AM |
| rate-negotiator | $25.00 | $25.00 | 10/11/2010 12:52:20 PM |
| Leshan | $50.00 | $50.00 | 10/11/2010 8:21:57 AM |
| goodhearted-basis4 | $25.00 | $25.00 | 10/11/2010 10:53:20 AM |
| Astyanax | $100.00 | $100.00 | 10/11/2010 1:55:14 PM |
| 60 bids
|
Borrower Payment Dependent Notes Series
477839
This series of Notes was issued and sold upon the funding of the borrower loan #44786, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,300.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Oct-01-2010 |
| |
Auction end date:
| Oct-08-2010 |
|
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 35.65% |
Starting monthly payment:
| $274.39 |
|
Final lender yield:
| 28.84% |
Final borrower rate/APR:
| 29.84% / 33.45% |
Final monthly payment:
| $266.89 |
| |
|
Auction yield range:
| 10.79% - 31.00% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.32% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,072 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| 1st-Home-Purchase |
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
U Get AWESOME Rate.. I Get a House!
Purpose of loan:
This loan will be used to?
Purchase our 1st house!
My financial situation:
Experian: 712 - Equifax: 715 - TransUnion: 703
For Real!
So why the 'D' rating? Who cares!... the money will?go to YOU instead of the landlord -?Shazam!!
BTW, I'm never late on payments, and my 'low risk' credit scores reflect that.
Our new house mortgage will be hundreds less than what we now pay for rent, (wait, what... seriously? YES!).
The money saved?will offset this loan payment. Win!
I have paid off several auto loans and credit cards over the years, and my future keeps getting brighter.
Monthly net income: $6,230 <-- Not bad eh?
Monthly expenses: $ 3,730
??Housing: $ 1,450
??Car Insurance: $ 150
??Car expenses: $ 300
? Medical: $ 450
??Utilities: $ 200?
??Phone, cable, internet: $ 375
??Food, entertainment: $ 400
??Clothing, household expenses $75
??Credit cards and other loans: $ 230
??Other expenses: $ 100
Check out my debt/income ratio. That's what I'm talkin bout.
This loan is guaranteed S O L I D (your so stoked).
Hurry, this crazy deal won't last!!!
Thanks for your time!
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- I was wondering if you could clarify your income. You claim that it is $6,230, which is excellent, however that would come out to $74,760 a month, not $100,000+. Thanks for your explanation- - diversification-maple1
A:
Hello,
The $6,230 is 'net' income (after taxes, etc.).
(Oct-06-2010)
Q:
CAN YOU TELL ME ABOUT PUBLIC REC - NELI
A:
It was a chapter 7 bankruptcy, filied in 2002, which was completely discharged.
9/11 caused a layoff at my company (during the recession) which hurt me.
(Oct-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ingenious-deal6 | $25.00 | $25.00 | 10/1/2010 2:25:44 PM |
| handshake5 | $100.00 | $100.00 | 10/1/2010 2:24:03 PM |
| ferocious-camaraderi1 | $100.00 | $100.00 | 10/1/2010 2:26:55 PM |
| listing-trapper3 | $50.00 | $50.00 | 10/1/2010 3:44:03 PM |
| 6moonbeams | $25.00 | $25.00 | 10/1/2010 3:13:24 PM |
| cash-spark3 | $25.00 | $25.00 | 10/1/2010 10:56:58 PM |
| cash-spark3 | $25.00 | $25.00 | 10/1/2010 10:56:49 PM |
| Interstate_Rate | $250.00 | $250.00 | 10/2/2010 8:38:16 AM |
| plentiful-gain3 | $50.00 | $50.00 | 10/2/2010 10:37:50 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/2/2010 8:09:29 PM |
| AF-Chief | $25.00 | $25.00 | 10/3/2010 2:03:55 AM |
| Artist_Blue | $25.00 | $25.00 | 10/3/2010 7:42:57 AM |
| apeloans | $25.00 | $25.00 | 10/3/2010 1:37:47 PM |
| witty-principal | $50.00 | $50.00 | 10/3/2010 11:00:34 PM |
| payment-gusto | $25.00 | $25.00 | 10/4/2010 6:09:52 AM |
| fizwahh | $40.00 | $40.00 | 10/4/2010 7:14:26 AM |
| cablenews | $25.00 | $25.00 | 10/4/2010 6:09:31 AM |
| rescue | $100.00 | $100.00 | 10/4/2010 10:20:25 AM |
| Rattlehead | $25.00 | $25.00 | 10/4/2010 11:49:54 AM |
| Comoparklender | $25.00 | $25.00 | 10/4/2010 11:49:53 AM |
| SPB | $25.00 | $25.00 | 10/4/2010 12:35:59 PM |
| graceful-investment | $100.00 | $100.00 | 10/4/2010 1:35:14 PM |
| fairness-kayak | $25.00 | $25.00 | 10/4/2010 1:35:07 PM |
| danthemon35 | $25.00 | $25.00 | 10/4/2010 1:34:47 PM |
| simplelender80 | $250.00 | $250.00 | 10/4/2010 3:38:17 PM |
| Green-Baron | $25.00 | $25.00 | 10/5/2010 2:29:46 AM |
| papaloha | $25.00 | $25.00 | 10/5/2010 3:03:18 AM |
| gallant-economy9 | $236.91 | $236.91 | 10/5/2010 3:00:12 PM |
| debtcollector | $25.00 | $25.00 | 10/5/2010 5:35:44 PM |
| credit-sycamore4 | $100.00 | $100.00 | 10/5/2010 6:10:11 PM |
| 108lender | $100.00 | $100.00 | 10/6/2010 2:09:40 AM |
| loan-mammal | $25.00 | $25.00 | 10/6/2010 10:18:41 AM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/6/2010 9:49:04 AM |
| icecoldcash | $30.00 | $30.00 | 10/6/2010 3:11:07 PM |
| Reddress4u | $25.00 | $25.00 | 10/6/2010 10:03:34 PM |
| bountiful-durability | $100.00 | $100.00 | 10/6/2010 9:54:57 PM |
| Jester8967 | $50.00 | $50.00 | 10/6/2010 10:03:36 PM |
| toomanyfishtanks | $25.00 | $25.00 | 10/7/2010 9:30:31 AM |
| head | $25.00 | $25.00 | 10/7/2010 8:19:48 AM |
| JoyfulVegetarian | $25.00 | $25.00 | 10/7/2010 12:09:28 PM |
| EBITDA | $25.00 | $25.00 | 10/7/2010 12:20:37 PM |
| larrybird | $30.08 | $30.08 | 10/7/2010 12:21:18 PM |
| the-silver-blaster | $50.00 | $50.00 | 10/7/2010 12:21:23 PM |
| life-is-great | $50.00 | $50.00 | 10/7/2010 4:40:16 PM |
| Kash2010lu | $25.00 | $25.00 | 10/7/2010 4:12:54 PM |
| point-tornado | $25.00 | $25.00 | 10/7/2010 6:14:34 PM |
| Cory79 | $26.39 | $26.39 | 10/7/2010 3:29:13 PM |
| Brighter_Future | $25.00 | $25.00 | 10/7/2010 4:31:43 PM |
| bondhedger | $25.00 | $25.00 | 10/7/2010 4:32:56 PM |
| Bob450 | $25.00 | $25.00 | 10/7/2010 10:49:47 PM |
| kain11286 | $100.00 | $100.00 | 10/7/2010 5:18:56 PM |
| Leshan | $25.00 | $25.00 | 10/7/2010 6:04:55 PM |
| busterrabbit | $50.00 | $50.00 | 10/8/2010 6:09:56 AM |
| tsimerso | $25.00 | $25.00 | 10/8/2010 7:39:59 AM |
| oldmora | $50.00 | $50.00 | 10/8/2010 6:52:49 AM |
| paceme1 | $27.00 | $27.00 | 10/7/2010 9:15:01 PM |
| trumpeter5 | $50.00 | $50.00 | 10/8/2010 8:41:43 AM |
| Peterman | $25.00 | $25.00 | 10/8/2010 9:00:58 AM |
| MrRooster101 | $25.00 | $25.00 | 10/8/2010 8:33:03 AM |
| PropertyInvest | $25.00 | $25.00 | 10/8/2010 9:48:53 AM |
| diversification-maple1 | $25.00 | $25.00 | 10/8/2010 10:25:16 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/8/2010 12:07:52 PM |
| jkeller4000 | $25.00 | $25.00 | 10/8/2010 9:38:43 AM |
| Zipcut | $25.00 | $25.00 | 10/8/2010 10:06:11 AM |
| nickel-position | $44.14 | $44.14 | 10/8/2010 10:35:33 AM |
| Southern_Illinois_Girl | $56.43 | $56.43 | 10/8/2010 1:25:42 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/8/2010 2:05:13 PM |
| proper-revenue7 | $30.00 | $30.00 | 10/8/2010 2:11:44 PM |
| SLN-10 | $50.00 | $50.00 | 10/8/2010 2:07:52 PM |
| roberto76 | $52.21 | $52.21 | 10/8/2010 1:25:21 PM |
| Credit4Talent | $33.48 | $33.48 | 10/8/2010 1:32:01 PM |
| bid-czar8 | $25.00 | $25.00 | 10/1/2010 2:24:12 PM |
| tech310 | $50.00 | $50.00 | 10/1/2010 2:27:54 PM |
| AlexTrep | $50.00 | $50.00 | 10/1/2010 2:29:24 PM |
| felicity-festival | $25.00 | $25.00 | 10/1/2010 2:46:49 PM |
| kulender | $50.00 | $50.00 | 10/1/2010 3:57:22 PM |
| penny-plato | $50.00 | $50.00 | 10/1/2010 4:28:00 PM |
| preventivepestcontrol | $75.00 | $75.00 | 10/1/2010 10:37:29 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/1/2010 11:39:18 PM |
| zen1cent | $25.00 | $25.00 | 10/2/2010 5:28:42 AM |
| patriot897 | $25.00 | $25.00 | 10/2/2010 8:38:13 AM |
| dedicated-diversification5 | $100.00 | $100.00 | 10/2/2010 10:44:21 AM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/2/2010 3:13:00 PM |
| asset-professor | $50.00 | $50.00 | 10/2/2010 7:58:42 PM |
| Gixxer600 | $50.00 | $50.00 | 10/3/2010 11:00:03 AM |
| hope-equation | $25.00 | $25.00 | 10/3/2010 7:14:39 PM |
| villagers | $25.00 | $25.00 | 10/4/2010 6:10:00 AM |
| b-rent | $25.00 | $25.00 | 10/4/2010 1:35:53 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 10/4/2010 3:38:10 PM |
| mercuriant | $25.00 | $25.00 | 10/5/2010 1:19:10 AM |
| S-Master | $50.00 | $50.00 | 10/5/2010 8:14:04 AM |
| numitor | $50.00 | $50.00 | 10/5/2010 8:58:18 AM |
| jubilant-auction5 | $25.00 | $25.00 | 10/5/2010 3:28:08 PM |
| irrelevant | $25.00 | $25.00 | 10/6/2010 6:23:38 AM |
| escharfer | $25.00 | $25.00 | 10/6/2010 3:14:38 PM |
| musegaze | $100.00 | $100.00 | 10/6/2010 3:14:42 PM |
| julsal | $50.00 | $50.00 | 10/6/2010 3:19:19 PM |
| schmegs | $25.00 | $25.00 | 10/6/2010 10:03:37 PM |
| smart-gain | $50.00 | $50.00 | 10/6/2010 10:03:35 PM |
| deepblue34 | $30.00 | $30.00 | 10/6/2010 8:55:57 PM |
| asiaratt | $50.00 | $50.00 | 10/7/2010 1:48:19 AM |
| Land_on_your_feet | $100.00 | $100.00 | 10/7/2010 4:15:25 AM |
| all_of_that_one | $35.00 | $35.00 | 10/7/2010 6:24:48 AM |
| COCHINOBOY | $40.27 | $40.27 | 10/6/2010 10:43:48 PM |
| cybernosha | $25.00 | $25.00 | 10/7/2010 7:53:31 AM |
| MarinLoans | $25.00 | $25.00 | 10/7/2010 7:39:44 AM |
| newest-inspiring-power | $25.00 | $25.00 | 10/7/2010 8:19:56 AM |
| saffron4 | $25.00 | $25.00 | 10/7/2010 8:30:40 AM |
| bold-direct-asset | $50.00 | $50.00 | 10/7/2010 12:29:02 PM |
| simplewareinc | $25.00 | $25.00 | 10/7/2010 1:02:56 PM |
| TicTac | $33.00 | $33.00 | 10/7/2010 3:56:46 PM |
| credit-missile | $25.00 | $25.00 | 10/7/2010 5:52:30 PM |
| credit-missile | $25.00 | $25.00 | 10/7/2010 5:53:41 PM |
| wwwUniversal | $25.00 | $25.00 | 10/7/2010 11:12:44 PM |
| FinanceEngine | $25.00 | $25.00 | 10/7/2010 9:08:30 PM |
| interstellar | $49.70 | $49.70 | 10/7/2010 11:41:57 PM |
| loan-adventurer7 | $100.00 | $100.00 | 10/7/2010 11:43:41 PM |
| EngineersAlliance | $50.00 | $50.00 | 10/7/2010 9:48:51 PM |
| credit-missile | $25.00 | $25.00 | 10/7/2010 5:53:05 PM |
| trainu | $42.23 | $42.23 | 10/8/2010 5:08:58 AM |
| aztocas | $25.00 | $25.00 | 10/8/2010 7:13:39 AM |
| srs1325 | $25.00 | $25.00 | 10/8/2010 8:57:36 AM |
| commitment-symphony9 | $50.00 | $50.00 | 10/8/2010 9:34:01 AM |
| mstar925 | $25.00 | $25.00 | 10/8/2010 10:02:35 AM |
| Zipcut | $25.00 | $25.00 | 10/8/2010 10:06:40 AM |
| corporatejim | $30.00 | $30.00 | 10/8/2010 10:38:10 AM |
| taetrade | $25.00 | $25.00 | 10/8/2010 5:55:04 AM |
| leprechaun92 | $25.00 | $25.00 | 10/8/2010 11:04:44 AM |
| leverage-monger | $56.00 | $56.00 | 10/8/2010 7:45:08 AM |
| jstnow | $25.00 | $25.00 | 10/8/2010 8:20:20 AM |
| leverage-monger | $25.00 | $25.00 | 10/8/2010 11:34:00 AM |
| trade-elm | $30.00 | $30.00 | 10/8/2010 12:47:08 PM |
| radiant-loan5 | $50.00 | $50.00 | 10/8/2010 9:43:02 AM |
| cleo1255 | $50.00 | $50.00 | 10/8/2010 12:46:23 PM |
| tidy-generosity | $25.00 | $25.00 | 10/8/2010 10:07:55 AM |
| terrific-peace8 | $25.00 | $25.00 | 10/8/2010 1:39:15 PM |
| matthewa | $25.00 | $25.00 | 10/8/2010 10:46:03 AM |
| social-heart | $25.00 | $25.00 | 10/8/2010 2:09:59 PM |
| YeoLenderSource | $28.00 | $28.00 | 10/8/2010 2:14:36 PM |
| chemistry220 | $49.15 | $49.15 | 10/8/2010 12:00:12 PM |
| contract-high-five | $25.00 | $25.00 | 10/8/2010 12:06:08 PM |
| social-zebra | $27.00 | $27.00 | 10/8/2010 12:22:39 PM |
| Nerdster1 | $40.01 | $40.01 | 10/8/2010 12:30:01 PM |
| jybank | $25.00 | $25.00 | 10/8/2010 12:49:47 PM |
| booOST | $121.84 | $53.00 | 10/8/2010 1:13:04 PM |
| 145 bids
|
Borrower Payment Dependent Notes Series
477909
This series of Notes was issued and sold upon the funding of the borrower loan #44809, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Oct-04-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $269.21 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $269.21 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 5 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,414 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blue-mindful-kindness |
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
Funding for Police Academy
Purpose of loan:
This loan will be used for tuition for a police academy in Florida.? Unfortunately, the academy I'm going to does not offer student loans.? This year, I graduated with honors with an Associate of Arts in Criminal Justice and all I have left now is the academy.? :-)? I currently work for a police department as a non-bonded patrolman.
My financial situation:
I am a good candidate for this loan because I believe in paying my debts on time, as reflected in my credit history.
Monthly net income: $ 1320.00
Monthly expenses: $ 524.00
??Housing: $ 450.00/2 = $225.00 (shared with another person)
??Insurance: $
0.00 (Parents still wish to pay this for me!)
??Car expenses: $ 50.00 (Fuel)
??Utilities: $ 25.00
??Phone, cable, internet: $
34.00
??Food, entertainment: $
75.00
??Clothing, household expenses $
25.00
??Credit cards and other loans: $
90.00
??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:
Hi,
YOu live in Ohio, and the Police Academy in Florida??
Are your food, phone, utility exp underestimated?
What is the total Academy fees?
Thanks, - p2ploan-sensation211
A:
My fiance and I are currently living together in Ohio. In November, we are moving to Florida (we already have money saved up for the move). He has a job waiting for him down there.
The academy is $9593.34, because I must pay out-of-state rates. I have several thousand saved up for the academy, with this loan to cover the remaining balance.
My listed expenses are the true value of what I pay, as I pay half, with my fiance paying the other half.
(Oct-09-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $100.00 | $100.00 | 10/4/2010 2:42:54 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/4/2010 2:50:34 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/4/2010 2:51:32 PM |
| 371millwood | $300.00 | $300.00 | 10/4/2010 4:00:26 PM |
| retired272 | $25.00 | $25.00 | 10/4/2010 4:53:00 PM |
| papaloha | $25.00 | $25.00 | 10/5/2010 3:03:26 AM |
| nodebt2012 | $25.00 | $25.00 | 10/5/2010 1:51:36 PM |
| b-rent | $25.00 | $25.00 | 10/5/2010 2:59:36 PM |
| Rogesparkguy | $25.00 | $25.00 | 10/5/2010 5:30:55 PM |
| beakerfish | $100.00 | $100.00 | 10/5/2010 6:05:16 PM |
| 1stBankAndHal | $25.00 | $25.00 | 10/5/2010 7:17:49 PM |
| S-Master | $50.00 | $50.00 | 10/6/2010 3:13:11 PM |
| jamiee73 | $25.00 | $25.00 | 10/6/2010 7:02:59 PM |
| asiaratt | $50.00 | $50.00 | 10/7/2010 1:48:29 AM |
| bankbuddy55 | $75.00 | $75.00 | 10/7/2010 3:52:53 AM |
| irrelevant | $25.00 | $25.00 | 10/7/2010 8:19:04 AM |
| head | $25.00 | $22.12 | 10/7/2010 2:13:33 PM |
| all_of_that_one | $40.00 | $40.00 | 10/7/2010 12:29:22 PM |
| well-mannered-income3 | $100.00 | $100.00 | 10/7/2010 8:47:18 PM |
| income-rocker2 | $35.64 | $35.64 | 10/9/2010 7:07:53 AM |
| oath163 | $50.00 | $50.00 | 10/9/2010 11:23:43 AM |
| worth-jedi5 | $30.46 | $30.46 | 10/9/2010 1:06:28 PM |
| bestman | $25.00 | $25.00 | 10/10/2010 2:54:37 AM |
| loss-of-control | $25.00 | $25.00 | 10/10/2010 8:06:43 AM |
| active-wealth3 | $25.00 | $25.00 | 10/10/2010 8:27:20 AM |
| larryboy10 | $25.00 | $25.00 | 10/10/2010 10:31:12 AM |
| jybank | $25.00 | $25.00 | 10/9/2010 5:49:49 PM |
| octoberfresh | $25.00 | $25.00 | 10/10/2010 12:41:55 PM |
| seanickson | $25.00 | $25.00 | 10/10/2010 10:41:55 AM |
| congardner1 | $25.00 | $25.00 | 10/10/2010 2:39:56 PM |
| agiovasil | $25.00 | $25.00 | 10/4/2010 2:44:18 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/4/2010 2:45:02 PM |
| bid-czar8 | $25.00 | $25.00 | 10/4/2010 2:43:10 PM |
| 6moonbeams | $25.00 | $25.00 | 10/4/2010 2:51:09 PM |
| loan-kung-fu | $25.00 | $25.00 | 10/4/2010 2:47:03 PM |
| rescue | $100.00 | $100.00 | 10/4/2010 3:40:56 PM |
| plentiful-gain3 | $50.00 | $50.00 | 10/4/2010 3:51:27 PM |
| kulender | $50.00 | $50.00 | 10/4/2010 3:39:56 PM |
| AlexTrep | $50.00 | $50.00 | 10/4/2010 3:40:05 PM |
| contract-happiness1 | $25.00 | $25.00 | 10/4/2010 5:27:45 PM |
| graceful-investment | $72.75 | $72.75 | 10/5/2010 1:47:16 AM |
| reflective-rupee | $300.00 | $300.00 | 10/5/2010 10:59:56 AM |
| villagers | $25.00 | $25.00 | 10/5/2010 2:48:54 PM |
| simplelender80 | $26.10 | $26.10 | 10/5/2010 3:00:24 PM |
| consummate-loyalty1 | $77.93 | $77.93 | 10/5/2010 5:35:43 PM |
| penny-plato | $25.00 | $25.00 | 10/6/2010 9:31:05 AM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/6/2010 9:49:14 AM |
| transformer8 | $50.00 | $50.00 | 10/6/2010 1:19:36 PM |
| best-deal-escalator | $25.00 | $25.00 | 10/6/2010 2:34:59 PM |
| numitor | $50.00 | $50.00 | 10/6/2010 3:14:29 PM |
| jeffe43 | $50.00 | $50.00 | 10/6/2010 3:38:50 PM |
| diversification-maple1 | $30.00 | $30.00 | 10/6/2010 3:37:05 PM |
| debtcollector | $25.00 | $25.00 | 10/6/2010 9:56:27 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/7/2010 1:41:23 AM |
| noble-revenue | $50.00 | $50.00 | 10/7/2010 8:08:37 AM |
| MarinLoans | $25.00 | $25.00 | 10/7/2010 7:40:04 AM |
| Kash2010lu | $25.00 | $25.00 | 10/8/2010 5:54:56 PM |
| drsny66 | $25.00 | $25.00 | 10/9/2010 4:44:41 AM |
| ORcowboy | $50.00 | $50.00 | 10/9/2010 8:59:41 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 11:04:30 AM |
| CashFlow13 | $2,000.00 | $2,000.00 | 10/9/2010 2:50:52 PM |
| trumpeter5 | $50.00 | $50.00 | 10/9/2010 6:33:53 PM |
| goodcents | $25.00 | $25.00 | 10/9/2010 8:13:53 AM |
| larryboy10 | $25.00 | $25.00 | 10/9/2010 10:17:25 AM |
| skillful-asset5 | $35.00 | $35.00 | 10/10/2010 5:58:31 AM |
| best-listing-toro | $25.00 | $25.00 | 10/9/2010 12:52:36 PM |
| courteous-kindness1 | $50.00 | $50.00 | 10/9/2010 1:09:28 PM |
| kingpin1 | $50.00 | $50.00 | 10/10/2010 8:10:29 AM |
| unger | $80.00 | $80.00 | 10/9/2010 5:31:01 PM |
| Starfin-Capital-Management | $500.00 | $500.00 | 10/9/2010 6:55:18 PM |
| Income-Scout | $100.00 | $100.00 | 10/10/2010 5:21:36 PM |
| greenback-chairman5 | $25.00 | $25.00 | 10/10/2010 5:22:40 PM |
| ethicalhumanist | $25.00 | $25.00 | 10/10/2010 5:30:25 PM |
| tigercat | $50.00 | $50.00 | 10/10/2010 6:54:00 AM |
| Bob450 | $25.00 | $25.00 | 10/10/2010 11:01:51 PM |
| Rob1978 | $50.00 | $50.00 | 10/10/2010 4:56:07 PM |
| rvfbroker | $25.00 | $25.00 | 10/10/2010 6:05:29 PM |
| vine99 | $50.00 | $50.00 | 10/10/2010 6:21:37 PM |
| 78 bids
|
Borrower Payment Dependent Notes Series
477965
This series of Notes was issued and sold upon the funding of the borrower loan #44815, 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:
| 24.0% |
Auction start date:
| Oct-04-2010 |
| |
Auction end date:
| Oct-09-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 37.20% |
Final monthly payment:
| $43.00 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 25.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Jun-1986 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 13y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,722 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| poetic-loan4 |
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
Divorce done, Debt isn't..
Purpose of loan:
This loan will be used to?
Catch up bills that were being paid absolute minimums during my divorce.
My financial situation:
I am a good candidate for this loan because?
I am a disabled veteran with guaranteed income.? I take my debts seriously and have maintained my bills at all times.
Monthly net income:? $2523
Monthly expenses: $ 2020
??Housing: $
650
??Insurance: $
32
??Car expenses: $ 75
??Utilities: $220
??Phone, cable, internet: $
193
??Food, entertainment: $
400
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| top-courteous-peso | $50.00 | $50.00 | 10/4/2010 2:39:11 PM |
| reflective-rupee | $100.00 | $100.00 | 10/4/2010 3:32:56 PM |
| GS-ROCK | $25.00 | $25.00 | 10/5/2010 1:35:30 PM |
| SFBank | $200.00 | $200.00 | 10/5/2010 4:20:58 PM |
| jpaulnyc | $25.00 | $25.00 | 10/5/2010 4:38:49 PM |
| social-hunter5 | $31.69 | $31.69 | 10/7/2010 9:55:42 AM |
| greenback-chairman5 | $25.00 | $25.00 | 10/8/2010 6:20:13 PM |
| Kash2010lu | $25.00 | $25.00 | 10/8/2010 5:57:07 PM |
| tigercat | $50.00 | $50.00 | 10/5/2010 11:49:18 AM |
| lendstats_com | $200.00 | $200.00 | 10/5/2010 12:44:53 PM |
| jpaulnyc | $25.00 | $2.31 | 10/5/2010 4:37:56 PM |
| thomas16882004 | $25.00 | $25.00 | 10/6/2010 1:39:35 AM |
| vigorous-moola | $36.00 | $36.00 | 10/6/2010 7:51:06 AM |
| 340 | $25.00 | $25.00 | 10/6/2010 11:14:59 PM |
| OLYVRC | $30.00 | $30.00 | 10/8/2010 9:30:50 AM |
| terrific-peace8 | $50.00 | $50.00 | 10/8/2010 9:53:16 AM |
| Whitewater_Loans | $25.00 | $25.00 | 10/8/2010 11:41:40 AM |
| kf88 | $25.00 | $25.00 | 10/8/2010 4:40:52 PM |
| drsny66 | $25.00 | $25.00 | 10/9/2010 4:45:26 AM |
| icecoldcash | $25.00 | $25.00 | 10/9/2010 6:29:56 AM |
| 20 bids
|
Borrower Payment Dependent Notes Series
478085
This series of Notes was issued and sold upon the funding of the borrower loan #44800, 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:
| 10.8% |
Auction start date:
| Oct-04-2010 |
| |
Auction end date:
| Oct-09-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $123.28 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $123.28 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
1 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Bus Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $84 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| inspired-worth2 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New windows for rental property
Purpose of loan:
This loan will be used to?install new energy efficient windows in a rental property in Philadelphia. ?
My financial situation:
I am a good candidate for this loan because I have worked very hard to save and invest my money.?I own this rental property free and clear so I have no mortgage. I am seeking this loan in order to finish my renovation quicker and get it rented?to get a higher return on cash invested. I have ZERO DEBT and I take my credit worthiness very seriously.?I have no mortgage, no car loan, no student loans, and no kids. I have been employed at my current job for over 4 yrs. and my senority there ensures job security. This loan will be paid back from my personal income, which can?more than handle the expense of?monthly payments on this loan.?Good credit is very important in real estate and I would not do anything to damage my credit history.?This loan will be paid back. Thank you for your consideration.
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $ 610 (rent on personal residence)
??Insurance: $ 0
??Car expenses:?$100 (car insurance, gas)?
??Utilities: $ 40
??Phone, cable, internet: $70
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $100.00 | $94.13 | 10/4/2010 2:42:58 PM |
| tech310 | $50.00 | $50.00 | 10/4/2010 2:47:26 PM |
| reflective-rupee | $300.00 | $300.00 | 10/4/2010 3:32:20 PM |
| 371millwood | $300.00 | $300.00 | 10/4/2010 3:59:24 PM |
| trade-goblin9 | $25.00 | $25.00 | 10/4/2010 4:59:44 PM |
| changger | $50.00 | $50.00 | 10/6/2010 8:20:42 AM |
| kycats01 | $25.00 | $25.00 | 10/6/2010 9:01:25 AM |
| dinero-vista2 | $50.00 | $50.00 | 10/6/2010 8:22:16 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/6/2010 10:05:28 PM |
| pksfunds | $50.00 | $50.00 | 10/7/2010 10:06:32 AM |
| boomer5 | $25.00 | $25.00 | 10/7/2010 11:03:58 AM |
| umfan123 | $25.00 | $25.00 | 10/7/2010 9:34:54 AM |
| elated-greenback | $50.00 | $50.00 | 10/7/2010 2:04:53 PM |
| wlm3012 | $25.00 | $25.00 | 10/7/2010 3:25:41 PM |
| One_Lolo | $25.00 | $25.00 | 10/7/2010 5:54:02 PM |
| patriot384 | $120.00 | $120.00 | 10/7/2010 5:54:26 PM |
| DHolly | $25.00 | $25.00 | 10/8/2010 9:31:15 AM |
| Cromag | $25.00 | $25.00 | 10/8/2010 9:03:47 AM |
| donlenboy | $46.45 | $46.45 | 10/8/2010 9:59:27 AM |
| trumpeter5 | $50.00 | $50.00 | 10/9/2010 6:50:50 AM |
| rockhound84 | $25.00 | $25.00 | 10/9/2010 2:54:51 AM |
| _NaLNaBB | $400.00 | $400.00 | 10/9/2010 3:28:14 PM |
| l2fp | $25.00 | $25.00 | 10/9/2010 5:43:15 PM |
| EliteCapital | $33.42 | $33.42 | 10/9/2010 10:45:04 AM |
| rustysailor | $25.00 | $25.00 | 10/5/2010 12:13:45 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/5/2010 6:10:44 PM |
| mamasbeachhouse | $100.00 | $100.00 | 10/5/2010 6:21:21 PM |
| FinDoc | $25.00 | $25.00 | 10/6/2010 1:08:25 AM |
| ralf206 | $25.00 | $25.00 | 10/6/2010 8:54:35 PM |
| interstellar | $50.00 | $50.00 | 10/6/2010 8:56:29 PM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:44:29 AM |
| gaiusceasar | $25.00 | $25.00 | 10/7/2010 9:49:46 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:57:59 AM |
| leverage-monger | $25.00 | $25.00 | 10/7/2010 9:17:19 AM |
| FinanceEngine | $30.00 | $30.00 | 10/7/2010 9:34:10 AM |
| scoobiedoo | $50.00 | $50.00 | 10/7/2010 12:59:05 PM |
| vine99 | $50.00 | $50.00 | 10/7/2010 10:00:18 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 9:00:46 AM |
| roberto76 | $50.00 | $50.00 | 10/8/2010 11:17:53 AM |
| loan-mammal | $25.00 | $25.00 | 10/8/2010 2:20:06 PM |
| marwadi-62 | $100.00 | $100.00 | 10/8/2010 3:17:23 PM |
| boo_hoo | $50.00 | $50.00 | 10/8/2010 4:10:46 PM |
| irrelevant | $25.00 | $25.00 | 10/8/2010 5:24:56 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/8/2010 6:45:23 PM |
| dudebrah | $25.00 | $25.00 | 10/9/2010 6:22:24 AM |
| Bob450 | $30.00 | $30.00 | 10/9/2010 7:26:25 AM |
| Pu239 | $60.00 | $60.00 | 10/9/2010 9:20:56 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 11:00:44 AM |
| frogperson | $150.00 | $150.00 | 10/9/2010 10:11:27 AM |
| toddr54 | $25.00 | $25.00 | 10/9/2010 2:23:27 PM |
| 50 bids
|
Borrower Payment Dependent Notes Series
478111
This series of Notes was issued and sold upon the funding of the borrower loan #44797, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $164.38 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $164.38 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1986 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 15y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $93,548 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Delaware-Patriot |
Borrower's state:
| Delaware |
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
Motivated Borrower-Medical/Taxes
Purpose of loan:
This loan will be used to consolidate/pay Medical ?Out-of-pocket/Deductible? expenses and Property Taxes. Savings?were used to pay Emergency Medical expenses; this loan will consolidate the remainder and bring both current. I?don?t foresee any problem next year.
My financial situation:
I am a good candidate for this loan because I am the type of person who feels an honor-bound personal responsibility to pay my debts/obligations. - I am a good candidate for this loan because part of my income is a Pension (permanent income) and the payment for this loan will automatically come from these?Pension funds each month.- Also, I am currently self-employed as an Information Tech Systems Consultant and I will be starting a new project soon and will have more income. - And I am a good candidate for this loan because I will be selling a home (has no existing mortgage) in the next few months and those funds will be used to pay debts including: Credit Cards, Car, and most of my current home?s mortgage. Please note: The ?Revolving Credit Balance? listed here includes a 2nd Mortgage on my current home and a Car Loan.
Monthly net income: $ 4800. ? $ 5800.
Monthly expenses: $ 4237.54
Housing: $ 1287.54
Insurance: $ 100.00
Car expenses: $ 100.00
Utilities: $ 175.00
Phone, cable, internet: $ 50.00
Food, entertainment: $ 250.00
Clothing, household expenses $ 75.00
Credit cards and other loans: $ 1800.00
Other expenses: $400.00?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AlexTrep | $50.00 | $50.00 | 10/5/2010 2:48:01 PM |
| tech310 | $50.00 | $50.00 | 10/5/2010 3:20:32 PM |
| bid-czar8 | $25.00 | $25.00 | 10/5/2010 3:22:35 PM |
| agiovasil | $25.00 | $25.00 | 10/5/2010 3:24:13 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/5/2010 3:23:32 PM |
| jpaulnyc | $25.00 | $25.00 | 10/5/2010 4:18:17 PM |
| 6moonbeams | $25.00 | $25.00 | 10/6/2010 2:10:24 AM |
| rescue | $100.00 | $100.00 | 10/6/2010 3:19:01 PM |
| graceful-investment | $100.00 | $100.00 | 10/6/2010 3:18:24 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:55:34 AM |
| trade-goblin9 | $25.00 | $25.00 | 10/7/2010 11:19:35 AM |
| consummate-loyalty1 | $51.00 | $51.00 | 10/7/2010 10:04:10 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 9:00:49 AM |
| numitor | $50.00 | $50.00 | 10/8/2010 2:35:39 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/8/2010 2:44:55 PM |
| Madmigel | $35.13 | $35.13 | 10/8/2010 4:47:32 PM |
| verdiprr | $100.00 | $100.00 | 10/9/2010 8:04:41 AM |
| the-determined-value | $50.00 | $50.00 | 10/10/2010 8:38:50 PM |
| life-is-great | $50.00 | $50.00 | 10/11/2010 8:59:47 AM |
| patriot384 | $120.00 | $120.00 | 10/11/2010 12:36:39 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/11/2010 3:02:53 PM |
| S-Master | $50.00 | $50.00 | 10/11/2010 3:00:57 PM |
| credit-sycamore4 | $50.00 | $50.00 | 10/11/2010 3:04:32 PM |
| spiritual-social3 | $25.00 | $25.00 | 10/11/2010 6:48:07 PM |
| shellstar | $25.00 | $25.00 | 10/11/2010 6:40:24 PM |
| octoberfresh | $25.00 | $25.00 | 10/12/2010 9:22:01 AM |
| _NaLNaBB | $300.00 | $300.00 | 10/12/2010 9:21:37 AM |
| Lubava | $25.00 | $25.00 | 10/12/2010 9:25:44 AM |
| squarebob | $25.00 | $25.00 | 10/12/2010 5:58:27 AM |
| FallonCredit | $25.00 | $25.00 | 10/12/2010 8:40:36 AM |
| minnesotafinancial | $25.00 | $25.00 | 10/12/2010 8:44:52 AM |
| alluring-yield5 | $25.00 | $25.00 | 10/12/2010 10:34:01 AM |
| mckhbnpc | $30.00 | $30.00 | 10/12/2010 12:08:37 PM |
| RecoveryLender | $25.00 | $25.00 | 10/12/2010 12:25:35 PM |
| BrLender | $25.00 | $25.00 | 10/12/2010 10:27:19 AM |
| reflective-rupee | $75.00 | $75.00 | 10/12/2010 11:51:40 AM |
| squarebob | $25.00 | $25.00 | 10/12/2010 12:18:09 PM |
| WMY-Investor | $200.00 | $200.00 | 10/12/2010 1:02:52 PM |
| Garion | $45.00 | $45.00 | 10/12/2010 11:37:35 AM |
| Nerdster1 | $25.01 | $25.01 | 10/12/2010 2:17:25 PM |
| grampy48 | $25.00 | $25.00 | 10/12/2010 2:17:54 PM |
| Whipster | $25.00 | $25.00 | 10/9/2010 2:57:35 PM |
| papaloha | $25.00 | $25.00 | 10/5/2010 2:54:03 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/5/2010 3:25:37 PM |
| handshake5 | $100.00 | $100.00 | 10/5/2010 3:22:13 PM |
| jpaulnyc | $25.00 | $25.00 | 10/5/2010 4:17:55 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/5/2010 3:27:05 PM |
| reflective-rupee | $25.00 | $25.00 | 10/5/2010 7:32:08 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/5/2010 11:43:01 PM |
| kulender | $50.00 | $50.00 | 10/6/2010 3:16:05 PM |
| simplelender80 | $35.00 | $35.00 | 10/7/2010 4:34:07 AM |
| organic-order | $25.00 | $25.00 | 10/7/2010 1:38:56 AM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/7/2010 8:20:32 AM |
| b-rent | $25.00 | $25.00 | 10/7/2010 12:21:24 PM |
| all_of_that_one | $40.00 | $40.00 | 10/7/2010 3:08:00 PM |
| teller | $50.00 | $50.00 | 10/8/2010 7:42:58 PM |
| villagers | $25.00 | $25.00 | 10/8/2010 8:12:59 PM |
| timepassport | $25.00 | $25.00 | 10/8/2010 8:13:07 PM |
| beaker | $25.00 | $25.00 | 10/9/2010 7:23:01 AM |
| Papa_Mema | $50.00 | $50.00 | 10/10/2010 6:48:46 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/10/2010 5:17:47 PM |
| loan-mammal | $25.00 | $25.00 | 10/11/2010 2:45:53 PM |
| asiaratt | $50.00 | $50.00 | 10/11/2010 8:59:21 AM |
| irrelevant | $25.00 | $25.00 | 10/11/2010 2:59:44 PM |
| debtcollector | $25.00 | $25.00 | 10/11/2010 3:02:49 PM |
| cybernosha | $25.00 | $25.00 | 10/11/2010 3:05:13 PM |
| seanickson | $25.00 | $25.00 | 10/11/2010 12:41:02 PM |
| gold-channel2 | $50.00 | $50.00 | 10/11/2010 3:06:05 PM |
| Bob450 | $25.00 | $25.00 | 10/11/2010 2:48:32 PM |
| ashot12 | $50.00 | $44.94 | 10/11/2010 3:06:38 PM |
| courteous-kindness1 | $25.00 | $25.00 | 10/11/2010 8:21:28 PM |
| E-B | $50.00 | $50.00 | 10/12/2010 3:32:16 AM |
| squarebob | $25.00 | $25.00 | 10/12/2010 5:58:51 AM |
| realtormoises | $25.00 | $25.00 | 10/12/2010 6:39:18 AM |
| squarebob | $25.00 | $25.00 | 10/12/2010 5:58:40 AM |
| Starfin-Capital-Management | $100.00 | $100.00 | 10/12/2010 6:00:01 AM |
| neorunner | $25.00 | $25.00 | 10/12/2010 7:37:48 AM |
| contract-high-five | $25.00 | $25.00 | 10/12/2010 9:30:12 AM |
| cash-spark3 | $50.00 | $50.00 | 10/12/2010 6:42:46 AM |
| caddy5662 | $100.00 | $100.00 | 10/12/2010 8:05:14 AM |
| havok555 | $28.92 | $28.92 | 10/12/2010 10:05:29 AM |
| 2grindstones | $25.00 | $25.00 | 10/12/2010 10:00:27 AM |
| preventivepestcontrol | $100.00 | $100.00 | 10/12/2010 11:10:10 AM |
| Whitewater_Loans | $25.00 | $25.00 | 10/12/2010 11:58:29 AM |
| Astyanax | $120.00 | $120.00 | 10/12/2010 12:43:47 PM |
| tomdooley12520 | $25.00 | $25.00 | 10/12/2010 12:57:42 PM |
| icecoldcash | $50.00 | $50.00 | 10/12/2010 12:58:04 PM |
| justasoldier | $50.00 | $50.00 | 10/12/2010 1:18:50 PM |
| trumpeter5 | $50.00 | $50.00 | 10/12/2010 2:04:37 PM |
| 89 bids
|
Borrower Payment Dependent Notes Series
478227
This series of Notes was issued and sold upon the funding of the borrower loan #44803, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $113.09 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 18y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,158 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| best-restless-community |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Dec-2009)
|
|
Principal balance:
| $331.29 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Finishing the basement
Purpose of loan:
This loan will be used to? Finishing the basement
My financial situation:
I am a good candidate for this loan because? I pay back early
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| glroark | $50.00 | $50.00 | 10/6/2010 2:35:02 PM |
| WinterUSMC | $28.60 | $28.60 | 10/6/2010 5:02:01 PM |
| DasMula | $25.00 | $25.00 | 10/6/2010 9:05:22 PM |
| Kash2010lu | $50.00 | $50.00 | 10/6/2010 8:22:39 PM |
| LendingService | $50.00 | $50.00 | 10/7/2010 11:20:22 AM |
| mikeandcat | $50.00 | $50.00 | 10/7/2010 11:44:42 AM |
| lendstats_com | $200.00 | $200.00 | 10/8/2010 7:38:03 PM |
| labyrinth0 | $25.00 | $25.00 | 10/8/2010 9:34:39 PM |
| restless-dime | $50.00 | $50.00 | 10/10/2010 1:32:19 AM |
| loanman2007 | $75.00 | $75.00 | 10/10/2010 1:32:56 PM |
| loss-of-control | $25.00 | $25.00 | 10/10/2010 3:06:42 PM |
| Green-Baron | $25.00 | $25.00 | 10/11/2010 10:02:43 AM |
| nilonc1 | $25.00 | $25.00 | 10/11/2010 2:12:43 PM |
| supreme-hope | $25.00 | $25.00 | 10/11/2010 7:13:20 PM |
| restless-dime | $30.14 | $30.14 | 10/11/2010 3:40:58 PM |
| Bob450 | $25.00 | $25.00 | 10/11/2010 4:41:20 PM |
| 340 | $25.00 | $25.00 | 10/11/2010 7:06:20 PM |
| YoungTaxMan | $25.00 | $25.00 | 10/12/2010 12:27:09 AM |
| papaloha | $500.00 | $500.00 | 10/12/2010 2:07:49 PM |
| nodebt2012 | $100.00 | $100.00 | 10/12/2010 4:46:04 PM |
| McDeeter | $25.00 | $25.00 | 10/12/2010 3:30:23 PM |
| Nailman88 | $25.00 | $25.00 | 10/12/2010 3:33:44 PM |
| Mr_Katana | $25.00 | $25.00 | 10/12/2010 5:32:43 PM |
| Moe87 | $25.00 | $25.00 | 10/12/2010 5:19:47 PM |
| investment-artist | $25.00 | $25.00 | 10/12/2010 3:54:40 PM |
| reflective-rupee | $100.00 | $100.00 | 10/6/2010 2:59:16 PM |
| blitzen40 | $25.00 | $25.00 | 10/6/2010 7:34:22 PM |
| mikeandcat | $100.00 | $100.00 | 10/6/2010 6:55:31 PM |
| NekHoldings | $25.00 | $25.00 | 10/7/2010 5:25:49 AM |
| CommunityArts_Non-profit | $50.00 | $50.00 | 10/7/2010 2:13:00 PM |
| lucrative-loan | $75.00 | $75.00 | 10/7/2010 10:27:50 PM |
| Sudoku | $200.00 | $146.26 | 10/7/2010 10:23:45 PM |
| nodebt2012 | $25.00 | $25.00 | 10/7/2010 10:56:51 PM |
| fabulous-community4 | $25.00 | $25.00 | 10/9/2010 3:20:19 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 2:38:49 PM |
| vine99 | $40.00 | $40.00 | 10/10/2010 6:13:45 PM |
| well-mannered-income3 | $30.00 | $30.00 | 10/10/2010 5:24:56 PM |
| genuine-integrity0 | $25.00 | $25.00 | 10/11/2010 2:58:39 PM |
| whatreality | $25.00 | $25.00 | 10/12/2010 6:41:39 AM |
| innovator2 | $50.00 | $50.00 | 10/11/2010 5:08:10 PM |
| payout-comet | $25.00 | $25.00 | 10/11/2010 5:20:32 PM |
| amor1962 | $25.00 | $25.00 | 10/12/2010 7:58:51 AM |
| mikeandcat | $50.00 | $50.00 | 10/12/2010 5:46:27 AM |
| gothampark | $25.00 | $25.00 | 10/12/2010 4:49:28 PM |
| CaliforniaSun | $25.00 | $25.00 | 10/12/2010 3:44:48 PM |
| larryboy10 | $25.00 | $25.00 | 10/12/2010 6:01:56 PM |
| neorunner | $25.00 | $25.00 | 10/12/2010 5:06:15 PM |
| 47 bids
|
Borrower Payment Dependent Notes Series
478327
This series of Notes was issued and sold upon the funding of the borrower loan #44771, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,600.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 23.99% |
Starting borrower rate/APR:
| 24.99% / 28.49% |
Starting monthly payment:
| $302.13 |
|
Final lender yield:
| 22.65% |
Final borrower rate/APR:
| 23.65% / 27.12% |
Final monthly payment:
| $296.77 |
| |
|
Auction yield range:
| 7.71% - 23.99% |
Estimated loss impact:
| 9.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 800-819 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,616 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| durable-bill9 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Eliminate Debt to Simplify Life!
Purpose of loan:
This loan will be used to consolidate credit cards.
My financial situation:
I am a good candidate for this loan because I have excellent credit and pay my bills on time.
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| icecoldcash | $50.00 | $50.00 | 10/5/2010 2:49:07 PM |
| boater01 | $50.00 | $50.00 | 10/5/2010 2:51:59 PM |
| chemistry220 | $50.00 | $50.00 | 10/5/2010 2:56:49 PM |
| Weaverville | $50.00 | $50.00 | 10/5/2010 2:57:14 PM |
| papaloha | $25.00 | $25.00 | 10/5/2010 2:49:31 PM |
| rescue | $50.00 | $50.00 | 10/5/2010 3:10:00 PM |
| teller | $50.00 | $50.00 | 10/5/2010 2:51:43 PM |
| inspired-duty5 | $50.00 | $50.00 | 10/5/2010 2:58:56 PM |
| bountiful-durability | $100.00 | $100.00 | 10/5/2010 3:20:06 PM |
| simplelender80 | $250.00 | $250.00 | 10/5/2010 3:21:21 PM |
| jigsaw | $100.00 | $100.00 | 10/5/2010 3:21:33 PM |
| bid-czar8 | $100.00 | $100.00 | 10/5/2010 3:21:40 PM |
| shmb6508 | $100.00 | $100.00 | 10/5/2010 3:21:45 PM |
| mike_banker | $50.00 | $50.00 | 10/5/2010 3:22:55 PM |
| bowdish1 | $50.00 | $50.00 | 10/5/2010 3:24:26 PM |
| escharfer | $25.00 | $25.00 | 10/5/2010 3:24:42 PM |
| citytreker | $35.00 | $35.00 | 10/5/2010 3:24:44 PM |
| graceful-investment | $100.00 | $100.00 | 10/5/2010 3:26:28 PM |
| authentic-liberty7 | $50.00 | $50.00 | 10/5/2010 3:20:17 PM |
| agiovasil | $25.00 | $25.00 | 10/5/2010 3:20:42 PM |
| FadSaolAgat | $50.00 | $50.00 | 10/5/2010 3:35:55 PM |
| jdwillcox | $50.00 | $50.00 | 10/5/2010 3:23:03 PM |
| auction-seeker | $25.00 | $25.00 | 10/5/2010 3:49:09 PM |
| kmr2 | $200.00 | $200.00 | 10/5/2010 3:23:18 PM |
| LendDoc | $50.00 | $50.00 | 10/5/2010 3:57:56 PM |
| 6moonbeams | $100.00 | $100.00 | 10/5/2010 3:24:10 PM |
| troile | $25.00 | $25.00 | 10/5/2010 3:24:54 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/5/2010 3:25:42 PM |
| tender-gold | $50.00 | $50.00 | 10/5/2010 4:51:52 PM |
| GoodScot | $25.00 | $25.00 | 10/5/2010 4:52:23 PM |
| lending-bear | $50.00 | $50.00 | 10/5/2010 4:52:30 PM |
| triumph329 | $25.00 | $25.00 | 10/5/2010 4:53:32 PM |
| SFBank | $300.00 | $300.00 | 10/5/2010 4:16:10 PM |
| Randini | $50.00 | $50.00 | 10/5/2010 4:53:52 PM |
| Tolipwen | $25.00 | $25.00 | 10/5/2010 5:59:40 PM |
| AF-Chief | $25.00 | $25.00 | 10/5/2010 4:55:52 PM |
| danthemon35 | $25.00 | $25.00 | 10/5/2010 4:56:23 PM |
| reflective-rupee | $100.00 | $100.00 | 10/5/2010 7:27:28 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/6/2010 2:52:09 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/6/2010 3:46:31 AM |
| lawboy74 | $25.00 | $25.00 | 10/6/2010 7:07:51 AM |
| JBG | $25.00 | $25.00 | 10/6/2010 10:59:59 AM |
| commanding-income774 | $25.00 | $25.00 | 10/6/2010 6:30:50 PM |
| reflective-rupee | $100.00 | $100.00 | 10/6/2010 8:48:00 PM |
| umfan123 | $25.00 | $25.00 | 10/7/2010 6:08:19 AM |
| 1-HARD-HEAD | $50.00 | $50.00 | 10/7/2010 12:11:43 AM |
| first-charming-fund | $25.00 | $25.00 | 10/7/2010 8:53:45 AM |
| AlexTrep | $25.00 | $25.00 | 10/7/2010 10:43:58 AM |
| carlos_chantana | $25.00 | $25.00 | 10/7/2010 10:03:17 AM |
| repaymeplease | $25.00 | $25.00 | 10/7/2010 7:37:04 PM |
| octoberfresh | $25.00 | $25.00 | 10/8/2010 6:11:54 AM |
| Katburg | $35.00 | $35.00 | 10/8/2010 4:38:02 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/8/2010 6:57:01 PM |
| Terapin0511 | $29.89 | $29.89 | 10/8/2010 7:16:16 PM |
| LoanerPrincipal | $60.00 | $60.00 | 10/8/2010 9:35:54 PM |
| Arpad | $30.00 | $30.00 | 10/9/2010 4:25:51 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/9/2010 7:36:53 PM |
| credit-guard5 | $25.00 | $25.00 | 10/10/2010 9:49:47 AM |
| MattProsper | $50.00 | $50.00 | 10/10/2010 10:27:22 AM |
| mbf2234 | $25.00 | $25.00 | 10/10/2010 11:40:12 AM |
| platinum-hunter7 | $25.00 | $25.00 | 10/10/2010 4:38:51 AM |
| Bob450 | $30.00 | $30.00 | 10/10/2010 11:08:32 PM |
| JTHarris | $25.00 | $25.00 | 10/11/2010 7:54:29 AM |
| seanickson | $40.00 | $40.00 | 10/11/2010 12:51:55 PM |
| attractive-fund | $50.00 | $50.00 | 10/11/2010 9:23:37 AM |
| patriot384 | $240.00 | $240.00 | 10/11/2010 12:42:03 PM |
| felicity-festival | $30.00 | $30.00 | 10/11/2010 3:59:28 PM |
| Mindful7 | $25.00 | $25.00 | 10/12/2010 4:55:06 AM |
| jybank | $25.00 | $25.00 | 10/11/2010 9:59:48 PM |
| itsmaj | $25.00 | $25.00 | 10/12/2010 1:47:10 AM |
| kendigme | $25.00 | $25.00 | 10/12/2010 2:45:02 AM |
| zztopdog | $25.00 | $25.00 | 10/12/2010 8:20:43 AM |
| shrewd-income | $50.00 | $50.00 | 10/12/2010 9:22:39 AM |
| carlos_chantana | $25.00 | $25.00 | 10/11/2010 7:07:47 PM |
| grampy48 | $25.00 | $25.00 | 10/12/2010 8:55:37 AM |
| sharp-trade0 | $25.00 | $25.00 | 10/12/2010 9:03:30 AM |
| Lubava | $25.00 | $25.00 | 10/12/2010 9:24:01 AM |
| johnk317 | $37.68 | $37.68 | 10/12/2010 9:39:46 AM |
| scottb429 | $25.00 | $25.00 | 10/12/2010 10:54:26 AM |
| preventivepestcontrol | $50.00 | $50.00 | 10/12/2010 11:12:43 AM |
| the-silver-blaster | $50.00 | $50.00 | 10/12/2010 12:48:20 PM |
| WMY-Investor | $250.00 | $250.00 | 10/12/2010 1:08:09 PM |
| yu-rik | $25.00 | $25.00 | 10/12/2010 2:31:44 PM |
| community-pipeline8 | $50.00 | $50.00 | 10/5/2010 2:53:35 PM |
| Georgia_Boy | $50.00 | $50.00 | 10/5/2010 2:55:09 PM |
| generous-deal6 | $50.00 | $50.00 | 10/5/2010 2:50:47 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/5/2010 2:56:27 PM |
| top-courteous-peso | $50.00 | $50.00 | 10/5/2010 3:20:07 PM |
| thrifty-capital | $35.00 | $35.00 | 10/5/2010 3:20:44 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/5/2010 3:21:31 PM |
| DRA-Properties | $25.00 | $25.00 | 10/5/2010 3:21:17 PM |
| jazzlender | $25.00 | $25.00 | 10/5/2010 3:21:59 PM |
| herbyman | $50.00 | $50.00 | 10/5/2010 3:23:09 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/5/2010 3:23:51 PM |
| radforj22 | $25.00 | $25.00 | 10/5/2010 3:23:57 PM |
| mla | $25.00 | $25.00 | 10/5/2010 3:24:03 PM |
| tech310 | $50.00 | $50.00 | 10/5/2010 3:24:37 PM |
| mtquan | $25.00 | $25.00 | 10/5/2010 3:24:48 PM |
| lendingfrog | $25.00 | $25.00 | 10/5/2010 3:25:00 PM |
| ichibon | $150.00 | $150.00 | 10/5/2010 3:25:55 PM |
| tntmojave | $25.00 | $25.00 | 10/5/2010 3:26:37 PM |
| b-rent | $25.00 | $25.00 | 10/5/2010 3:27:00 PM |
| Premierelender | $25.00 | $25.00 | 10/5/2010 3:20:47 PM |
| Gabriel02 | $25.00 | $25.00 | 10/5/2010 3:21:50 PM |
| Artist_Blue | $25.00 | $25.00 | 10/5/2010 3:35:41 PM |
| nicklds | $25.00 | $25.00 | 10/5/2010 3:23:28 PM |
| objective-investor | $100.00 | $100.00 | 10/5/2010 3:23:46 PM |
| trustu | $50.00 | $50.00 | 10/5/2010 4:19:17 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/5/2010 3:25:10 PM |
| 350DGRZ | $25.00 | $25.00 | 10/5/2010 3:25:48 PM |
| ericgassercom | $50.00 | $50.00 | 10/5/2010 3:26:03 PM |
| tsui517 | $25.00 | $25.00 | 10/5/2010 3:26:13 PM |
| elfincove | $50.00 | $50.00 | 10/5/2010 3:26:24 PM |
| Bobafet | $25.00 | $25.00 | 10/5/2010 4:50:27 PM |
| brother_tam | $50.00 | $50.00 | 10/5/2010 3:27:17 PM |
| ferocious-camaraderi1 | $100.00 | $100.00 | 10/5/2010 3:28:19 PM |
| BaileyBrothers | $50.00 | $50.00 | 10/5/2010 4:51:54 PM |
| gethsemane4 | $25.00 | $25.00 | 10/5/2010 4:53:55 PM |
| tranquil-return4 | $25.00 | $25.00 | 10/5/2010 4:53:58 PM |
| dospapalotes | $50.00 | $50.00 | 10/5/2010 5:03:47 PM |
| tremendous-payment | $25.00 | $25.00 | 10/5/2010 4:52:37 PM |
| DasCoon | $50.00 | $0.99 | 10/5/2010 5:19:29 PM |
| sharp-return7 | $25.00 | $25.00 | 10/6/2010 2:57:04 PM |
| FoosMaster | $25.00 | $25.00 | 10/6/2010 4:58:54 PM |
| Taz-Man-IIWIS | $25.00 | $25.00 | 10/6/2010 7:04:49 PM |
| LakeShoreLending | $25.00 | $25.00 | 10/6/2010 9:03:19 PM |
| c-gurista-5 | $25.00 | $25.00 | 10/7/2010 6:08:31 AM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:46:46 AM |
| integrity-doctor | $100.00 | $100.00 | 10/7/2010 1:48:07 PM |
| felicity-festival | $30.00 | $30.00 | 10/7/2010 11:06:03 PM |
| rainbowsorbet | $25.00 | $25.00 | 10/8/2010 9:59:04 AM |
| Whitewater_Loans | $25.00 | $25.00 | 10/8/2010 11:47:27 AM |
| Sol_Invictus | $25.00 | $25.00 | 10/8/2010 12:10:15 PM |
| carlos_chantana | $25.00 | $25.00 | 10/8/2010 12:12:14 PM |
| katnmouse | $25.00 | $25.00 | 10/8/2010 2:50:00 PM |
| _NaLNaBB | $200.00 | $200.00 | 10/8/2010 10:32:01 PM |
| djenge | $25.00 | $25.00 | 10/9/2010 3:48:41 AM |
| best-listing-toro | $25.00 | $25.00 | 10/9/2010 12:59:29 PM |
| frogperson | $200.00 | $200.00 | 10/9/2010 10:05:14 AM |
| loss-of-control | $50.00 | $50.00 | 10/10/2010 3:01:32 PM |
| Sugarmama21 | $50.00 | $50.00 | 10/10/2010 5:41:40 PM |
| nickel-demon2 | $100.00 | $100.00 | 10/10/2010 7:12:01 AM |
| hope-lionheart1 | $35.00 | $35.00 | 10/10/2010 9:13:19 PM |
| mtp | $50.00 | $50.00 | 10/10/2010 8:12:59 PM |
| cash-spark3 | $25.00 | $25.00 | 10/11/2010 6:48:49 PM |
| Free-the-usa-1776 | $31.44 | $31.44 | 10/11/2010 10:59:18 PM |
| Starfin-Capital-Management | $100.00 | $100.00 | 10/12/2010 11:36:03 AM |
| yu-rik | $50.00 | $50.00 | 10/12/2010 2:33:54 PM |
| justasoldier | $25.00 | $25.00 | 10/12/2010 1:20:36 PM |
| 149 bids
|
Borrower Payment Dependent Notes Series
478337
This series of Notes was issued and sold upon the funding of the borrower loan #44808, 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:
| 6.0% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $173.69 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $173.69 |
| |
|
Auction yield range:
| 5.71% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Nov-1989 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 780-799 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,189 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| order-baton |
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
Basic Startup Costs
Purpose of loan:
I am trying to get a new website up
and running.? I have been working on this for 3 years now, and have
finished developing my website, but am currently in need of a loan to
pay for server and other operating costs. I have been working
for the last few years analyzing, designing, and developing
a new site.? Taking this first step, will allow
me to push through a proof of concept and show that my framework holds
ground, in order to provide a base for venture capital to come later.
My financial situation:
I
am a good candidate for this loan because I currently make a salary above my expenditures, and have always paid my debts on time and without fail.? All my money goes into this venture as well as the expenses below.? Please note, my credit balance is currently on a card with a near 0% APR for now - so the balance has remained open.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $
1195
??Insurance: $
180
??Car expenses: $
0
??Utilities: $
275
??Phone, cable, internet: $
125
??Food, entertainment: $ 400
??Clothing, household expenses $
100
??Credit cards and other loans: $
50
??Other expenses: $
0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ethicalhumanist | $50.00 | $50.00 | 10/6/2010 2:24:30 PM |
| rescue | $100.00 | $100.00 | 10/6/2010 2:26:10 PM |
| lendingfrog | $50.00 | $50.00 | 10/6/2010 2:27:08 PM |
| 108lender | $100.00 | $100.00 | 10/6/2010 2:24:59 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/6/2010 2:26:26 PM |
| papaloha | $25.00 | $25.00 | 10/6/2010 2:26:37 PM |
| Weaverville | $50.00 | $50.00 | 10/6/2010 2:26:42 PM |
| icecoldcash | $50.00 | $50.00 | 10/6/2010 2:27:12 PM |
| auction-elvis | $25.00 | $25.00 | 10/6/2010 2:27:19 PM |
| seineil | $50.00 | $50.00 | 10/6/2010 2:27:33 PM |
| nicklds | $75.00 | $75.00 | 10/6/2010 2:25:20 PM |
| jdwillcox | $50.00 | $50.00 | 10/6/2010 2:33:32 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/6/2010 2:34:16 PM |
| bowdish1 | $50.00 | $50.00 | 10/6/2010 2:34:27 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/6/2010 2:32:41 PM |
| bid-czar8 | $100.00 | $100.00 | 10/6/2010 2:32:44 PM |
| Gabriel02 | $25.00 | $25.00 | 10/6/2010 2:32:53 PM |
| jazzlender | $25.00 | $25.00 | 10/6/2010 2:32:57 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/6/2010 2:35:14 PM |
| ericgassercom | $50.00 | $50.00 | 10/6/2010 2:35:53 PM |
| elfincove | $50.00 | $50.00 | 10/6/2010 2:36:05 PM |
| hookUup | $25.00 | $25.00 | 10/6/2010 2:34:33 PM |
| DRA-Properties | $25.00 | $25.00 | 10/6/2010 2:32:33 PM |
| escharfer | $25.00 | $25.00 | 10/6/2010 2:34:52 PM |
| ichibon | $150.00 | $150.00 | 10/6/2010 2:35:45 PM |
| tsui517 | $25.00 | $25.00 | 10/6/2010 2:35:57 PM |
| kmr2 | $200.00 | $200.00 | 10/6/2010 2:33:52 PM |
| greentomato | $25.00 | $25.00 | 10/6/2010 2:36:45 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/6/2010 2:35:25 PM |
| tntmojave | $25.00 | $25.00 | 10/6/2010 2:36:13 PM |
| GeorgiaGator | $50.00 | $50.00 | 10/6/2010 2:51:45 PM |
| timepassport | $25.00 | $25.00 | 10/6/2010 3:12:04 PM |
| SOP_Bank | $25.00 | $25.00 | 10/7/2010 6:43:00 AM |
| Uylsses | $100.00 | $100.00 | 10/7/2010 7:20:00 AM |
| cudgeon | $25.00 | $25.00 | 10/7/2010 8:17:59 AM |
| snowyowl | $25.00 | $25.00 | 10/7/2010 10:12:14 AM |
| luckyldy | $35.00 | $35.00 | 10/7/2010 11:13:47 AM |
| worldly-return | $63.66 | $63.66 | 10/7/2010 2:21:34 PM |
| Kessler | $28.00 | $28.00 | 10/7/2010 5:05:10 PM |
| Cromag | $25.00 | $25.00 | 10/8/2010 10:25:10 AM |
| labyrinth0 | $25.00 | $25.00 | 10/8/2010 9:26:14 PM |
| forthright-principal2 | $25.00 | $25.00 | 10/8/2010 5:23:36 PM |
| icecoldcash | $25.00 | $25.00 | 10/9/2010 6:39:10 AM |
| d_grbg | $25.00 | $25.00 | 10/9/2010 3:08:24 AM |
| poolshark72 | $25.00 | $25.00 | 10/9/2010 10:21:02 AM |
| Loansforlife | $25.00 | $25.00 | 10/9/2010 9:58:54 PM |
| income-fortress | $25.00 | $25.00 | 10/10/2010 7:25:08 AM |
| loan-upholder4 | $25.00 | $25.00 | 10/10/2010 9:41:33 AM |
| MTGuy | $25.00 | $25.00 | 10/9/2010 2:57:54 PM |
| MattProsper | $45.00 | $45.00 | 10/10/2010 10:30:45 AM |
| AK49-JW | $50.00 | $50.00 | 10/10/2010 1:52:55 PM |
| cash-tent | $25.00 | $25.00 | 10/10/2010 10:11:06 AM |
| Lender0307 | $25.00 | $25.00 | 10/10/2010 8:43:37 PM |
| JTHarris | $25.00 | $25.00 | 10/11/2010 7:55:29 AM |
| vulgy | $25.00 | $25.00 | 10/11/2010 5:45:06 AM |
| ChewyZ | $25.00 | $25.00 | 10/11/2010 6:32:47 AM |
| herbyman | $25.00 | $25.00 | 10/6/2010 2:24:48 PM |
| chemistry220 | $50.00 | $50.00 | 10/6/2010 2:28:03 PM |
| generous-deal6 | $50.00 | $50.00 | 10/6/2010 2:26:06 PM |
| bountiful-durability | $100.00 | $100.00 | 10/6/2010 2:26:18 PM |
| sweet-social2 | $33.00 | $33.00 | 10/6/2010 2:27:02 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/6/2010 2:27:52 PM |
| agiovasil | $25.00 | $25.00 | 10/6/2010 2:32:22 PM |
| radforj22 | $25.00 | $25.00 | 10/6/2010 2:27:15 PM |
| simplelender80 | $250.00 | $250.00 | 10/6/2010 2:32:40 PM |
| mike_banker | $50.00 | $50.00 | 10/6/2010 2:33:25 PM |
| objective-investor | $100.00 | $100.00 | 10/6/2010 2:34:12 PM |
| shmb6508 | $100.00 | $100.00 | 10/6/2010 2:32:48 PM |
| tech310 | $50.00 | $50.00 | 10/6/2010 2:32:15 PM |
| RandyL3 | $25.00 | $25.00 | 10/6/2010 2:35:07 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/6/2010 2:35:43 PM |
| mtquan | $25.00 | $25.00 | 10/6/2010 2:36:02 PM |
| graceful-investment | $100.00 | $100.00 | 10/6/2010 2:36:10 PM |
| brother_tam | $50.00 | $50.00 | 10/6/2010 2:36:32 PM |
| jrbill1998 | $50.00 | $3.58 | 10/6/2010 2:36:56 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/6/2010 2:49:42 PM |
| interstellar | $45.02 | $45.02 | 10/7/2010 10:14:30 AM |
| ClearCut | $50.00 | $50.00 | 10/7/2010 10:32:12 AM |
| selector568 | $400.00 | $400.00 | 10/7/2010 10:08:11 AM |
| credit-panda1 | $25.00 | $25.00 | 10/7/2010 10:15:14 AM |
| Peterman | $25.00 | $25.00 | 10/7/2010 12:58:09 PM |
| serene-capital | $25.00 | $25.00 | 10/7/2010 8:33:53 PM |
| Bank_Of_XL | $50.00 | $50.00 | 10/7/2010 3:31:07 PM |
| repaymeplease | $25.00 | $25.00 | 10/7/2010 5:53:03 PM |
| psalms6612 | $25.00 | $25.00 | 10/7/2010 6:42:05 PM |
| lukeskywalkerkp | $25.00 | $25.00 | 10/7/2010 10:23:58 PM |
| octoberfresh | $25.00 | $25.00 | 10/8/2010 6:12:44 AM |
| dollardave | $100.00 | $100.00 | 10/8/2010 12:13:28 PM |
| wwwUniversal | $25.00 | $25.00 | 10/8/2010 5:24:38 PM |
| Fishy014 | $45.00 | $45.00 | 10/8/2010 5:28:25 PM |
| Terapin0511 | $28.00 | $28.00 | 10/8/2010 7:13:38 PM |
| Katburg | $35.00 | $35.00 | 10/8/2010 4:38:03 PM |
| RedCentre | $74.48 | $74.48 | 10/9/2010 2:47:04 AM |
| Sol_Invictus | $25.00 | $25.00 | 10/9/2010 6:01:37 AM |
| iflyforfun | $25.00 | $25.00 | 10/10/2010 3:12:48 AM |
| massuot | $25.00 | $25.00 | 10/10/2010 1:46:07 AM |
| enthusiastic-ore5 | $25.00 | $25.00 | 10/10/2010 11:05:48 AM |
| bxdoc | $39.26 | $39.26 | 10/10/2010 5:58:36 PM |
| KrisKringle | $25.00 | $25.00 | 10/10/2010 9:08:04 PM |
| credit-guard5 | $25.00 | $25.00 | 10/10/2010 10:01:55 AM |
| what_goes_around | $50.00 | $50.00 | 10/10/2010 12:27:57 PM |
| 101 bids
|
Borrower Payment Dependent Notes Series
478393
This series of Notes was issued and sold upon the funding of the borrower loan #44783, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.6% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-08-2010 |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $157.26 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 8.59% |
Final monthly payment:
| $157.26 |
| |
|
Auction yield range:
| 2.71% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
16 | Length of status: | 16y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $196,789 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| historic-credit7 |
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
New Business Startup, Inventory
Purpose of loan:
This loan will be used to purchase initial inventory and demonstration units of an Enterprise Appliance for small and medium sized businesses to give them an instant HR, CRM, Intranet, collaboration tools, timecard, and bookkeeping capability.? See www.redline-strategies.com for more information where we reference the ThinkBIG(TM) SMB Enterprise Appliance.
My financial situation:
I am a good candidate for this loan because I have a solid credit history and track record of business successes.? I am interested in peer?to peer lending and see this could be?a win-win for?myself and lenders.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| nicklds | $50.00 | $50.00 | 10/6/2010 2:24:56 PM |
| hawaiiangirl76 | $25.00 | $25.00 | 10/6/2010 2:25:40 PM |
| auction-elvis | $25.00 | $25.00 | 10/6/2010 2:27:22 PM |
| mjunlimited | $50.00 | $50.00 | 10/6/2010 2:27:29 PM |
| agiovasil | $25.00 | $25.00 | 10/6/2010 2:28:40 PM |
| life-is-great | $50.00 | $50.00 | 10/6/2010 2:28:43 PM |
| murren | $25.00 | $25.00 | 10/6/2010 2:28:45 PM |
| generous-deal6 | $50.00 | $50.00 | 10/6/2010 2:28:48 PM |
| kanakakm | $50.00 | $50.00 | 10/6/2010 2:28:52 PM |
| nickel-demon2 | $50.00 | $50.00 | 10/6/2010 2:26:56 PM |
| cachecrew | $50.00 | $50.00 | 10/6/2010 2:29:47 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/6/2010 2:29:53 PM |
| neighborly-hope6 | $50.00 | $50.00 | 10/6/2010 2:30:01 PM |
| numitor | $50.00 | $50.00 | 10/6/2010 2:27:47 PM |
| tntmojave | $25.00 | $25.00 | 10/6/2010 2:27:50 PM |
| chemistry220 | $50.00 | $50.00 | 10/6/2010 2:28:00 PM |
| jazzlender | $25.00 | $25.00 | 10/6/2010 2:30:25 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 10/6/2010 2:30:28 PM |
| dtrain5 | $25.00 | $25.00 | 10/6/2010 2:30:39 PM |
| duty-windmill | $25.00 | $25.00 | 10/6/2010 2:28:50 PM |
| meux99 | $25.00 | $25.00 | 10/6/2010 2:31:11 PM |
| GElender | $100.00 | $100.00 | 10/6/2010 2:28:55 PM |
| magical-greenback | $50.00 | $50.00 | 10/6/2010 2:29:01 PM |
| natural-affluence4 | $50.00 | $50.00 | 10/6/2010 2:25:26 PM |
| MoonMama | $25.00 | $25.00 | 10/6/2010 2:31:18 PM |
| CaptainBlueberry | $25.00 | $25.00 | 10/6/2010 2:31:55 PM |
| Castellan | $50.00 | $50.00 | 10/6/2010 2:30:15 PM |
| BayShell | $50.00 | $50.00 | 10/6/2010 2:30:33 PM |
| kegs | $150.00 | $150.00 | 10/6/2010 2:30:50 PM |
| economy-orchid | $30.00 | $30.00 | 10/6/2010 2:30:53 PM |
| tekkie2412 | $50.00 | $50.00 | 10/6/2010 2:30:56 PM |
| spiritual-bonus9 | $50.00 | $50.00 | 10/6/2010 2:30:59 PM |
| Go_Ducks | $25.00 | $25.00 | 10/6/2010 2:31:04 PM |
| LizzieMN | $50.00 | $50.00 | 10/6/2010 2:31:29 PM |
| unclejaef | $25.00 | $25.00 | 10/6/2010 2:28:26 PM |
| balance6 | $25.00 | $25.00 | 10/6/2010 2:31:45 PM |
| damage | $25.00 | $25.00 | 10/6/2010 2:28:58 PM |
| museic1 | $25.00 | $25.00 | 10/6/2010 2:29:13 PM |
| kenji4861 | $50.00 | $50.00 | 10/6/2010 2:29:22 PM |
| ichibon | $150.00 | $150.00 | 10/6/2010 2:30:06 PM |
| Avala | $100.00 | $100.00 | 10/6/2010 2:30:19 PM |
| meenan | $25.00 | $25.00 | 10/6/2010 2:30:37 PM |
| RandyL3 | $25.00 | $25.00 | 10/6/2010 2:35:08 PM |
| JoyfulVegetarian | $50.00 | $50.00 | 10/6/2010 2:31:01 PM |
| aasx1108 | $25.00 | $25.00 | 10/6/2010 2:31:14 PM |
| eadamson | $50.00 | $50.00 | 10/6/2010 2:31:21 PM |
| lendingfrog | $50.00 | $50.00 | 10/6/2010 2:31:34 PM |
| zen1cent | $25.00 | $25.00 | 10/6/2010 2:31:42 PM |
| LAAJ38 | $25.00 | $25.00 | 10/6/2010 2:32:03 PM |
| afotherg | $75.00 | $75.00 | 10/6/2010 2:37:17 PM |
| E_G | $50.00 | $50.00 | 10/6/2010 2:37:21 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/6/2010 2:35:26 PM |
| interstellar | $50.00 | $50.00 | 10/6/2010 2:37:48 PM |
| harty | $50.00 | $50.00 | 10/6/2010 2:38:37 PM |
| jennifer55126 | $25.00 | $25.00 | 10/6/2010 2:36:30 PM |
| AJSinvest | $25.00 | $25.00 | 10/6/2010 2:37:31 PM |
| Tai | $25.00 | $25.00 | 10/6/2010 2:37:45 PM |
| Lakeland | $25.00 | $25.00 | 10/6/2010 3:04:45 PM |
| newest-sensible-hope | $50.00 | $50.00 | 10/6/2010 2:38:54 PM |
| CASHGIRL | $25.00 | $25.00 | 10/6/2010 2:37:43 PM |
| irisheyes9 | $50.00 | $50.00 | 10/6/2010 3:04:52 PM |
| 16888 | $50.00 | $50.00 | 10/6/2010 3:05:10 PM |
| Georgia_Boy | $50.00 | $50.00 | 10/6/2010 3:05:19 PM |
| zenchef | $25.00 | $25.00 | 10/7/2010 12:29:38 PM |
| Bank_Of_XL | $25.00 | $25.00 | 10/7/2010 3:29:09 PM |
| cash-sensai2 | $25.00 | $25.00 | 10/6/2010 2:25:13 PM |
| alpinaut | $30.00 | $30.00 | 10/6/2010 2:25:34 PM |
| cebgop | $25.00 | $25.00 | 10/6/2010 2:25:47 PM |
| exact-gold2 | $25.00 | $25.00 | 10/6/2010 2:26:04 PM |
| DukSerduk | $25.00 | $25.00 | 10/6/2010 2:25:18 PM |
| happyjackbak | $35.00 | $35.00 | 10/6/2010 2:28:10 PM |
| point-shooter | $50.00 | $50.00 | 10/6/2010 2:28:14 PM |
| blot44 | $25.00 | $25.00 | 10/6/2010 2:29:58 PM |
| psa1995 | $50.00 | $50.00 | 10/6/2010 2:30:42 PM |
| chinolatino | $50.00 | $50.00 | 10/6/2010 2:30:44 PM |
| radforj22 | $50.00 | $50.00 | 10/6/2010 2:24:46 PM |
| larrybird | $150.00 | $150.00 | 10/6/2010 2:29:07 PM |
| yukongin | $50.00 | $50.00 | 10/6/2010 2:29:10 PM |
| elasermd | $100.00 | $100.00 | 10/6/2010 2:29:18 PM |
| ericgassercom | $50.00 | $50.00 | 10/6/2010 2:25:59 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/6/2010 2:31:38 PM |
| Marathoner | $25.00 | $25.00 | 10/6/2010 2:30:10 PM |
| point-zebra | $50.00 | $50.00 | 10/6/2010 2:27:44 PM |
| cablenews | $50.00 | $50.00 | 10/6/2010 2:31:27 PM |
| commanding-dollar2 | $50.00 | $50.00 | 10/6/2010 2:31:37 PM |
| eyal0 | $50.00 | $50.00 | 10/6/2010 2:31:41 PM |
| bglender | $50.00 | $50.00 | 10/6/2010 2:31:46 PM |
| thezfunk | $25.00 | $25.00 | 10/6/2010 2:31:56 PM |
| delicious-social132 | $50.00 | $50.00 | 10/6/2010 2:29:15 PM |
| tender-integrity3 | $50.00 | $50.00 | 10/6/2010 2:29:50 PM |
| jts | $25.00 | $25.00 | 10/6/2010 2:30:22 PM |
| lend_to_you | $25.00 | $25.00 | 10/6/2010 2:31:07 PM |
| Preferred-Lender | $25.00 | $25.00 | 10/6/2010 2:31:50 PM |
| open-minded-finance1 | $25.00 | $25.00 | 10/6/2010 2:37:54 PM |
| MAJESTIC5 | $50.00 | $50.00 | 10/6/2010 2:38:15 PM |
| ogmanny | $50.00 | $50.00 | 10/6/2010 2:33:48 PM |
| julijask | $35.00 | $35.00 | 10/6/2010 2:36:51 PM |
| credit-scout7 | $32.40 | $32.40 | 10/6/2010 2:36:54 PM |
| rescue | $100.00 | $100.00 | 10/6/2010 2:37:50 PM |
| himanshuko | $25.00 | $25.00 | 10/6/2010 3:04:44 PM |
| MJDAE | $50.00 | $50.00 | 10/6/2010 2:38:43 PM |
| WindyKid | $26.67 | $26.67 | 10/6/2010 2:44:06 PM |
| LendDoc | $50.00 | $50.00 | 10/6/2010 2:36:43 PM |
| keyfig | $25.00 | $25.00 | 10/6/2010 2:37:07 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 10/6/2010 2:37:46 PM |
| antrux | $25.00 | $25.00 | 10/6/2010 3:05:00 PM |
| samo102us | $25.00 | $5.93 | 10/6/2010 3:05:45 PM |
| Bankman68 | $50.00 | $50.00 | 10/6/2010 3:05:40 PM |
| diverse-transparency | $25.00 | $25.00 | 10/7/2010 8:33:19 AM |
| dollardave | $100.00 | $100.00 | 10/7/2010 5:28:46 PM |
| SpotLending | $50.00 | $50.00 | 10/7/2010 8:44:11 PM |
| wild_carrot | $25.00 | $25.00 | 10/7/2010 3:22:50 PM |
| octoberfresh | $30.00 | $30.00 | 10/8/2010 6:13:24 AM |
| 113 bids
|
Borrower Payment Dependent Notes Series
478411
This series of Notes was issued and sold upon the funding of the borrower loan #44784, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $143.83 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $143.83 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 30y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,078 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Gwizzy |
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
buying a used Suburban to pull my c
Thanks for showing interest in my much needed loan! My wife and myself would like to purchase a friends 2000 Chevy LS Suburban. It is in excellent condition, has a clear title, had a new engine put in approx 48500 miles ago, it's color is fire engine red, leather interior and no rust. I pay all my debts on time, have never had a late payment yet! My wife is an interior/exterior painter and owns her own company which is just getting off the ground, but had?offered day care services out of our home for the past 19 years.
Purpose of loan:
This loan will be used to purchase a 2000 Chevy Suburban LS
My financial situation:
I am a good candidate for this loan because I pay all my debts on time or early.
Monthly net income: $ 6247
Monthly expenses: $ 3502
Housing: $ 825
Insurance: $243
Car expenses: $ 503
Utilities: $287
Phone, cable, internet: $223
Food, entertainment: $ 400
Clothing, household expenses $200
Credit cards and other loans: $392
Other expenses: $429
MANY THANKS!!!!!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What kind of executive are you? What industry are you in? Thank you! - proton346
A:
Thank you for your interest, I manage a larger "contractor" based lumber yard with 20+ employee?s and one asst. manager.
(Oct-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| papaloha | $25.00 | $25.00 | 10/6/2010 2:27:40 PM |
| handshake5 | $100.00 | $100.00 | 10/6/2010 2:33:12 PM |
| hookUup | $25.00 | $25.00 | 10/6/2010 2:35:22 PM |
| bid-czar8 | $25.00 | $25.00 | 10/6/2010 2:33:21 PM |
| tech310 | $50.00 | $50.00 | 10/6/2010 2:34:41 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/6/2010 2:35:33 PM |
| sfmf | $25.00 | $25.00 | 10/6/2010 2:36:20 PM |
| AlexTrep | $50.00 | $50.00 | 10/6/2010 2:38:21 PM |
| agiovasil | $25.00 | $25.00 | 10/6/2010 3:37:43 PM |
| cablenews | $25.00 | $25.00 | 10/6/2010 3:38:01 PM |
| diversification-maple1 | $25.00 | $25.00 | 10/6/2010 6:21:47 PM |
| Taz-Man-IIWIS | $25.00 | $25.00 | 10/6/2010 6:58:25 PM |
| lendstats_com | $200.00 | $200.00 | 10/6/2010 7:00:16 PM |
| trade-goblin9 | $25.00 | $25.00 | 10/6/2010 9:36:18 PM |
| Uylsses | $100.00 | $100.00 | 10/7/2010 7:22:28 AM |
| ImaPutz | $25.00 | $25.00 | 10/7/2010 9:17:51 AM |
| geauxtigers29 | $50.00 | $50.00 | 10/7/2010 8:16:07 AM |
| mercuriant | $25.00 | $25.00 | 10/7/2010 9:49:51 AM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2010 12:11:23 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/7/2010 12:10:04 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 9:00:55 AM |
| zxr | $25.00 | $25.00 | 10/8/2010 9:04:22 AM |
| wealth-equilibrium0 | $100.00 | $100.00 | 10/8/2010 9:51:36 AM |
| kappaknight | $26.00 | $26.00 | 10/8/2010 10:03:25 AM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/8/2010 2:45:05 PM |
| Madmigel | $35.00 | $35.00 | 10/8/2010 4:48:37 PM |
| simplelender80 | $250.00 | $250.00 | 10/9/2010 3:48:32 AM |
| first-serene-credit | $100.00 | $100.00 | 10/9/2010 9:33:47 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 11:10:51 AM |
| rescue | $100.00 | $100.00 | 10/10/2010 1:40:50 PM |
| Papa_Mema | $50.00 | $50.00 | 10/10/2010 6:48:59 PM |
| 1-HARD-HEAD | $25.00 | $25.00 | 10/11/2010 12:18:22 AM |
| EBITDA | $25.00 | $25.00 | 10/10/2010 7:13:58 PM |
| loan-kingdom162 | $50.00 | $50.00 | 10/11/2010 1:16:36 PM |
| nilonc1 | $50.00 | $50.00 | 10/11/2010 2:26:27 PM |
| Bob450 | $30.00 | $30.00 | 10/11/2010 2:51:08 PM |
| EngineersAlliance | $100.00 | $100.00 | 10/11/2010 3:24:48 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 10/11/2010 4:15:57 PM |
| kendigme | $31.64 | $31.64 | 10/12/2010 2:46:43 AM |
| Whipster | $25.00 | $25.00 | 10/9/2010 3:02:04 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/6/2010 2:34:09 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/6/2010 2:37:37 PM |
| hope-equation | $50.00 | $50.00 | 10/6/2010 3:36:47 PM |
| dt_one | $25.00 | $25.00 | 10/6/2010 8:57:42 PM |
| payment-gusto | $25.00 | $25.00 | 10/6/2010 9:55:02 PM |
| joeboxr182 | $75.00 | $75.00 | 10/7/2010 9:44:26 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:48:35 AM |
| JustMee | $25.00 | $25.00 | 10/7/2010 11:46:30 AM |
| Comoparklender | $25.00 | $25.00 | 10/7/2010 9:53:05 AM |
| SolarMoonshine | $25.00 | $25.00 | 10/7/2010 5:28:01 PM |
| sharp-return7 | $25.00 | $25.00 | 10/7/2010 8:59:35 PM |
| GeorgiaGator | $25.00 | $25.00 | 10/7/2010 7:22:18 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 11:17:43 AM |
| Paxman84 | $25.00 | $25.00 | 10/8/2010 12:24:27 PM |
| balance-river | $25.00 | $25.00 | 10/8/2010 6:14:39 PM |
| Fishy014 | $30.00 | $30.00 | 10/8/2010 5:21:31 PM |
| kulender | $30.00 | $30.00 | 10/9/2010 7:32:55 AM |
| graceful-investment | $26.33 | $26.33 | 10/9/2010 2:49:10 AM |
| frogperson | $200.00 | $200.00 | 10/9/2010 10:14:06 AM |
| jlofgren | $25.00 | $25.00 | 10/9/2010 3:41:23 PM |
| schoolfund | $35.00 | $35.00 | 10/10/2010 10:02:39 AM |
| proton346 | $25.00 | $25.00 | 10/9/2010 9:18:57 PM |
| platinum-hunter7 | $25.00 | $25.00 | 10/10/2010 4:28:37 AM |
| seanmel | $120.00 | $120.00 | 10/10/2010 6:22:18 AM |
| chevy92 | $60.68 | $60.68 | 10/10/2010 7:14:01 PM |
| the-determined-value | $50.00 | $13.59 | 10/10/2010 8:38:59 PM |
| affluence-tambourine | $25.00 | $25.00 | 10/10/2010 10:50:19 PM |
| greenkid | $25.00 | $25.00 | 10/10/2010 5:09:06 PM |
| feb217 | $30.00 | $30.00 | 10/11/2010 8:19:42 AM |
| RecoveryLender | $25.00 | $25.00 | 10/11/2010 2:42:21 PM |
| patriot384 | $120.00 | $120.00 | 10/11/2010 3:12:08 PM |
| seanickson | $25.00 | $25.00 | 10/11/2010 3:37:51 PM |
| shellstar | $30.99 | $30.99 | 10/11/2010 6:31:23 PM |
| Jeddy | $30.00 | $30.00 | 10/11/2010 7:18:42 PM |
| Paxman84 | $25.77 | $25.77 | 10/11/2010 7:26:24 PM |
| itsmaj | $25.00 | $25.00 | 10/12/2010 1:49:57 AM |
| california5andime | $25.00 | $25.00 | 10/11/2010 7:10:09 PM |
| 77 bids
|
Borrower Payment Dependent Notes Series
478469
This series of Notes was issued and sold upon the funding of the borrower loan #44811, 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:
| 10.8% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-09-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.46% |
Starting monthly payment:
| $61.64 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.46% |
Final monthly payment:
| $61.64 |
| |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,873 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| neighborly-p2ploan |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Upcoming wedding is almost paid off
Purpose of loan:
This loan will be used to pay off the remaining balance for my wedding. Myself and my fiance have paid almost the entirety of the wedding, just need a little extra.
My financial situation:
I am a good candidate for this loan because I am honest, as is my future wife. We are both stable and have consistent income. I work in the IT department at a Jewish Middle School and she is a Clinical Research assistant at a hospital.
Monthly net income: $
Combined, myself and my wife have a combined income of about 4 thousand dollars a month.
Monthly expenses: $
??Housing: $
500 monthly
??Insurance: $
??Car expenses: $
??Utilities: $ 180
??Phone, cable, internet: $
150 monthly
??Food, entertainment: $
250 monthly
??Clothing, household expenses $
??Credit cards and other loans: $
1000 Monthly
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| papaloha | $25.00 | $25.00 | 10/6/2010 2:27:41 PM |
| bid-czar8 | $25.00 | $25.00 | 10/6/2010 2:33:22 PM |
| tech310 | $50.00 | $50.00 | 10/6/2010 2:34:43 PM |
| handshake5 | $100.00 | $100.00 | 10/6/2010 2:33:13 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/6/2010 2:35:30 PM |
| AlexTrep | $50.00 | $50.00 | 10/6/2010 2:38:24 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/6/2010 2:37:38 PM |
| reflective-rupee | $100.00 | $100.00 | 10/6/2010 3:01:14 PM |
| cablenews | $25.00 | $25.00 | 10/6/2010 3:18:19 PM |
| Brown98 | $25.00 | $25.00 | 10/6/2010 3:36:00 PM |
| ThatDanGuy | $25.00 | $25.00 | 10/6/2010 3:37:56 PM |
| agiovasil | $25.00 | $25.00 | 10/6/2010 4:22:54 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/6/2010 5:55:02 PM |
| crab-e-bill | $28.01 | $28.01 | 10/6/2010 7:42:00 PM |
| Vreet | $25.28 | $25.28 | 10/6/2010 10:03:38 PM |
| patriot897 | $25.00 | $25.00 | 10/7/2010 1:41:19 AM |
| zen1cent | $25.00 | $25.00 | 10/7/2010 8:20:26 AM |
| CSUgrad08 | $25.00 | $25.00 | 10/7/2010 9:34:37 AM |
| return-elm | $25.00 | $25.00 | 10/7/2010 8:20:25 AM |
| asset-professor | $50.00 | $50.00 | 10/7/2010 12:08:38 PM |
| ImaPutz | $25.00 | $25.00 | 10/7/2010 9:17:48 AM |
| AF-Chief | $25.00 | $25.00 | 10/7/2010 12:09:11 PM |
| FountainShrugged | $27.19 | $27.19 | 10/7/2010 11:47:55 AM |
| Tokkoutai99 | $50.00 | $50.00 | 10/8/2010 8:19:26 AM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 9:00:56 AM |
| LastLikeFirst | $50.00 | $50.00 | 10/8/2010 9:39:58 AM |
| LastLikeFirst | $50.00 | $37.71 | 10/8/2010 2:26:45 PM |
| DEZ1721 | $50.00 | $50.00 | 10/8/2010 12:10:46 PM |
| GrowthAspirations | $25.00 | $25.00 | 10/8/2010 2:59:44 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/6/2010 2:34:10 PM |
| hope-equation | $50.00 | $50.00 | 10/6/2010 3:14:24 PM |
| payment-gusto | $25.00 | $25.00 | 10/6/2010 3:14:58 PM |
| Comoparklender | $25.00 | $25.00 | 10/6/2010 3:17:05 PM |
| beakerfish | $50.00 | $50.00 | 10/6/2010 5:43:13 PM |
| ukstevenhawaii | $50.00 | $50.00 | 10/7/2010 8:20:24 AM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2010 9:27:46 AM |
| danthemon35 | $25.00 | $25.00 | 10/7/2010 9:01:48 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:47:54 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/7/2010 6:52:47 PM |
| EBITDA | $25.00 | $25.00 | 10/8/2010 9:42:52 AM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 10:56:47 AM |
| LastLikeFirst | $31.81 | $31.81 | 10/8/2010 1:32:35 PM |
| wwwUniversal | $25.00 | $25.00 | 10/8/2010 12:14:04 PM |
| 43 bids
|
Borrower Payment Dependent Notes Series
478545
This series of Notes was issued and sold upon the funding of the borrower loan #44805, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Oct-08-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $89.74 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $89.74 |
| |
|
Auction yield range:
| 13.71% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 6 |
First credit line:
| Apr-1974 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 11y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 3 |
Revolving credit balance:
| $9,817 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| self-reliant-dollar9 |
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
bills
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
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| pembull | $25.00 | $25.00 | 10/8/2010 3:20:09 PM |
| transaction-circuit | $50.00 | $50.00 | 10/8/2010 3:21:13 PM |
| papaloha | $25.00 | $25.00 | 10/8/2010 3:22:14 PM |
| noble-revenue | $50.00 | $50.00 | 10/8/2010 3:30:01 PM |
| AlexTrep | $50.00 | $50.00 | 10/8/2010 3:38:40 PM |
| w3alter | $50.00 | $50.00 | 10/8/2010 8:42:51 PM |
| timepassport | $25.00 | $25.00 | 10/8/2010 9:18:35 PM |
| soulful-truth | $1,000.00 | $1,000.00 | 10/9/2010 8:18:56 PM |
| agiovasil | $25.00 | $25.00 | 10/9/2010 4:47:50 PM |
| pembull | $25.00 | $25.00 | 10/10/2010 4:36:01 PM |
| transaction-circuit | $100.00 | $100.00 | 10/11/2010 8:11:24 AM |
| RebuildALife | $25.00 | $25.00 | 10/10/2010 7:17:44 PM |
| Kash2010lu | $25.00 | $25.00 | 10/11/2010 6:27:16 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/8/2010 3:19:42 PM |
| bid-czar8 | $25.00 | $25.00 | 10/8/2010 3:25:12 PM |
| handshake5 | $100.00 | $100.00 | 10/8/2010 3:25:01 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/8/2010 3:31:10 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/8/2010 3:26:19 PM |
| swoosh | $25.00 | $25.00 | 10/8/2010 3:47:50 PM |
| first-serene-credit | $100.00 | $100.00 | 10/8/2010 9:18:21 PM |
| HelpfulLender1 | $25.00 | $25.00 | 10/9/2010 7:33:02 AM |
| CommunityArts_Non-profit | $25.00 | $25.00 | 10/10/2010 6:45:54 AM |
| Kqwik | $30.22 | $30.22 | 10/10/2010 6:00:04 PM |
| newest-investment-elevator | $25.00 | $25.00 | 10/10/2010 7:43:44 PM |
| wwwUniversal | $25.00 | $25.00 | 10/10/2010 7:47:48 PM |
| Speculator | $53.18 | $44.78 | 10/11/2010 10:07:52 AM |
| 26 bids
|
Borrower Payment Dependent Notes Series
476958
This series of Notes was issued and sold upon the funding of the borrower loan #44777, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-29-2010 |
| |
Auction end date:
| Oct-06-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $328.75 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $328.75 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 19y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,710 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| market-accelerator5 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Take advantage of car opportunity
Purpose of loan:
This loan will be used to?
buy a slightly used car recommended by my mechanic.
My financial situation:
I am a good candidate for this loan because?
I have never been late for a payment of any kind. My salary covers our basic expenses (including children's college loans) My wife can cover emergencies. My credit rating went from the mid-high 700's to the mid-low 700's after I opened a Kohl's charge account (to take advantage of their special sales). I am communicating with Experian about this...
Monthly net income: $ 6200
Monthly expenses: $
??Housing: $
2250
??Insurance: $ No expense from net pay.
Medical paid pre-tax out of my gross salary.
??Car expenses: $
300 (insurance and maintenance)
??Utilities: $
225
??Phone, cable, internet: $
200
??Food, entertainment: $
600
??Clothing, household expenses $
100
??Credit cards and other loans: $
1400
??Other expenses: $
200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is the 35k in revolving debt? Credit cards? With no home how did you accumilate this debt? - wealth-pipeline
A:
We accumulated this during the economic meltdown. We sold our house at a slight loss and my wife lost her job. We are now recovering.
(Oct-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| a-bountiful-trade | $25.00 | $25.00 | 9/29/2010 2:44:38 PM |
| handshake5 | $100.00 | $100.00 | 9/29/2010 2:49:32 PM |
| bid-czar8 | $25.00 | $25.00 | 9/29/2010 2:50:06 PM |
| agiovasil | $25.00 | $25.00 | 9/29/2010 2:53:43 PM |
| b-rent | $25.00 | $25.00 | 9/29/2010 2:51:48 PM |
| payment-gusto | $25.00 | $25.00 | 9/29/2010 7:02:17 PM |
| beakerfish | $100.00 | $100.00 | 9/29/2010 6:30:36 PM |
| frogperson | $150.00 | $150.00 | 9/30/2010 9:14:57 AM |
| reflective-rupee | $400.00 | $400.00 | 9/30/2010 11:18:30 AM |
| fairness-kayak | $25.00 | $25.00 | 9/30/2010 1:14:50 PM |
| Katburg | $25.00 | $25.00 | 10/1/2010 6:15:22 AM |
| nilonc1 | $75.00 | $75.00 | 10/1/2010 11:06:42 AM |
| villagers | $50.00 | $50.00 | 10/1/2010 2:52:07 PM |
| preventivepestcontrol | $100.00 | $100.00 | 10/1/2010 10:18:13 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/1/2010 11:38:59 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/2/2010 11:42:44 AM |
| gallant-economy9 | $74.00 | $74.00 | 10/2/2010 12:23:11 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/2/2010 3:13:25 PM |
| 108lender | $51.83 | $51.83 | 10/2/2010 3:52:44 PM |
| Comoparklender | $50.00 | $50.00 | 10/2/2010 4:57:55 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/2/2010 8:09:07 PM |
| diversification-maple1 | $25.00 | $25.00 | 10/3/2010 8:14:09 PM |
| larrybird | $27.00 | $27.00 | 10/4/2010 11:50:38 AM |
| newest-inspiring-power | $25.00 | $25.00 | 10/4/2010 1:15:44 PM |
| head | $25.00 | $25.00 | 10/4/2010 3:41:31 PM |
| JoyfulVegetarian | $25.00 | $25.00 | 10/4/2010 3:37:47 PM |
| shur | $25.00 | $25.00 | 10/4/2010 3:53:03 PM |
| asiaratt | $50.00 | $50.00 | 10/4/2010 3:53:27 PM |
| icecoldcash | $30.00 | $30.00 | 10/4/2010 4:28:02 PM |
| DreamsDoComeTrue | $49.25 | $49.25 | 10/4/2010 6:39:23 PM |
| _NaLNaBB | $300.00 | $300.00 | 10/4/2010 10:32:07 PM |
| jennifer55126 | $25.00 | $25.00 | 10/5/2010 12:28:14 AM |
| Philkent | $25.00 | $25.00 | 10/5/2010 8:14:16 AM |
| numitor | $50.00 | $50.00 | 10/5/2010 8:57:52 AM |
| papaloha | $25.00 | $25.00 | 10/5/2010 3:02:54 AM |
| chemistry220 | $50.00 | $50.00 | 10/5/2010 9:35:45 AM |
| miked8303 | $25.00 | $25.00 | 10/5/2010 12:52:52 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/5/2010 9:34:12 AM |
| inventive-exchange | $25.00 | $25.00 | 10/5/2010 2:45:52 PM |
| thankful-dollar6 | $25.00 | $25.00 | 10/5/2010 2:46:33 PM |
| GElender | $25.00 | $25.00 | 10/5/2010 2:24:03 PM |
| Vreet | $50.00 | $50.00 | 10/5/2010 2:50:00 PM |
| lagnisiruk | $25.00 | $25.00 | 10/5/2010 2:52:41 PM |
| mla | $25.00 | $25.00 | 10/5/2010 2:59:10 PM |
| point-shooter | $50.00 | $50.00 | 10/5/2010 2:58:41 PM |
| rrfgloan | $50.00 | $50.00 | 10/5/2010 2:58:01 PM |
| delivery | $25.00 | $25.00 | 10/5/2010 3:28:52 PM |
| Phantom99 | $25.00 | $25.00 | 10/5/2010 3:35:42 PM |
| lcole32 | $25.00 | $25.00 | 10/5/2010 4:56:32 PM |
| Rdodson11 | $25.00 | $25.00 | 10/5/2010 4:57:42 PM |
| repaintandrepair | $25.00 | $25.00 | 10/5/2010 5:35:45 PM |
| Simonsez808 | $25.00 | $25.00 | 10/5/2010 6:03:04 PM |
| imoutdoorsy | $25.95 | $25.95 | 10/5/2010 6:03:01 PM |
| wise-silver-wonder | $25.00 | $25.00 | 10/5/2010 5:18:46 PM |
| FeedTheMachine | $47.02 | $47.02 | 10/5/2010 7:12:45 PM |
| mistertao | $25.00 | $25.00 | 10/5/2010 9:08:17 PM |
| julsal | $50.00 | $50.00 | 10/5/2010 6:32:55 PM |
| MoneyTree79 | $50.00 | $50.00 | 10/5/2010 6:51:38 PM |
| Brighter_Future | $25.00 | $25.00 | 10/5/2010 9:52:31 PM |
| jybank | $25.00 | $25.00 | 10/6/2010 12:22:04 AM |
| KiwiElf | $30.00 | $30.00 | 10/6/2010 12:39:35 AM |
| Investor704 | $50.00 | $50.00 | 10/5/2010 8:50:00 PM |
| Sateesh | $75.89 | $75.89 | 10/6/2010 12:53:49 AM |
| seisen | $83.40 | $83.40 | 10/5/2010 9:28:31 PM |
| lendcraft | $25.00 | $25.00 | 10/6/2010 12:57:05 AM |
| imlosttoo | $25.00 | $25.00 | 10/6/2010 1:21:51 AM |
| gotjack | $25.00 | $25.00 | 10/6/2010 1:09:53 AM |
| cospilot | $25.00 | $25.00 | 10/6/2010 1:38:03 AM |
| samo102us | $25.00 | $25.00 | 10/6/2010 1:38:33 AM |
| inkplj | $50.00 | $50.00 | 10/6/2010 1:36:03 AM |
| bid-papyrus | $34.42 | $34.42 | 10/6/2010 1:59:10 AM |
| StreetJustice | $53.03 | $53.03 | 10/6/2010 2:01:50 AM |
| Sibelius2 | $25.00 | $25.00 | 10/6/2010 1:06:47 AM |
| somebody32 | $25.00 | $25.00 | 10/6/2010 1:20:56 AM |
| loan-fate | $50.00 | $50.00 | 10/6/2010 2:23:47 AM |
| valiant-liberty4 | $25.00 | $25.00 | 10/6/2010 1:39:26 AM |
| Madmigel | $47.96 | $47.96 | 10/6/2010 4:56:15 AM |
| E-B | $50.00 | $50.00 | 10/6/2010 3:44:28 AM |
| sgt-schultz | $25.00 | $25.00 | 10/6/2010 3:52:35 AM |
| favorite-commerce | $50.00 | $50.00 | 10/6/2010 9:11:27 AM |
| FinanceEngine | $25.00 | $25.00 | 10/6/2010 7:22:01 AM |
| mckhbnpc | $30.00 | $30.00 | 10/6/2010 8:02:21 AM |
| Leshan | $33.33 | $33.33 | 10/6/2010 8:35:04 AM |
| Astyanax | $100.00 | $100.00 | 10/6/2010 10:10:11 AM |
| leverage-monger | $25.00 | $25.00 | 10/6/2010 9:41:12 AM |
| loan-mammal | $25.00 | $25.00 | 10/6/2010 10:18:21 AM |
| DasMula | $25.00 | $25.00 | 10/6/2010 10:27:47 AM |
| money-fort | $25.00 | $25.00 | 10/6/2010 11:37:26 AM |
| NickRac | $35.00 | $35.00 | 10/6/2010 10:25:28 AM |
| Gobsek | $25.00 | $25.00 | 10/6/2010 12:30:50 PM |
| lucrative-coin | $100.00 | $100.00 | 10/6/2010 12:54:48 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/6/2010 2:11:26 PM |
| cash-daisy | $35.53 | $35.53 | 10/6/2010 2:24:35 PM |
| exciting-fairness | $200.00 | $200.00 | 10/6/2010 1:45:08 PM |
| transformer8 | $50.00 | $50.00 | 10/6/2010 1:00:07 PM |
| HammerSmith | $25.00 | $25.00 | 10/6/2010 2:27:35 PM |
| OLYVRC | $25.00 | $25.00 | 10/6/2010 1:30:33 PM |
| kulender | $100.00 | $100.00 | 9/29/2010 2:53:10 PM |
| 6moonbeams | $25.00 | $25.00 | 9/29/2010 2:53:27 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/29/2010 2:54:06 PM |
| tech310 | $50.00 | $50.00 | 9/29/2010 7:56:58 PM |
| rescue | $100.00 | $100.00 | 9/30/2010 3:39:18 AM |
| money-bauble | $100.00 | $100.00 | 9/30/2010 6:43:57 AM |
| AlexTrep | $39.58 | $39.58 | 9/30/2010 11:37:11 AM |
| consummate-loyalty1 | $25.00 | $25.00 | 9/30/2010 7:42:55 PM |
| simplelender80 | $100.00 | $100.00 | 9/30/2010 7:37:45 PM |
| hope-equation | $50.00 | $50.00 | 10/1/2010 6:05:54 AM |
| cablenews | $25.00 | $25.00 | 10/1/2010 10:49:33 AM |
| brother_tam | $50.00 | $50.00 | 10/2/2010 4:18:22 AM |
| hookUup | $25.00 | $25.00 | 10/2/2010 8:09:13 AM |
| Artist_Blue | $25.00 | $25.00 | 10/2/2010 8:09:00 AM |
| bountiful-durability | $100.00 | $100.00 | 10/2/2010 4:57:56 PM |
| musegaze | $25.00 | $25.00 | 10/2/2010 5:33:49 PM |
| escharfer | $25.00 | $25.00 | 10/3/2010 6:07:54 PM |
| irrelevant | $25.00 | $25.00 | 10/3/2010 6:28:56 PM |
| well-mannered-income3 | $160.00 | $160.00 | 10/4/2010 8:44:48 AM |
| graceful-investment | $100.00 | $100.00 | 10/4/2010 12:11:55 PM |
| cognizant-rate732 | $25.00 | $25.00 | 10/4/2010 12:49:39 PM |
| the-silver-blaster | $43.63 | $43.63 | 10/4/2010 1:35:51 PM |
| mercuriant | $25.00 | $25.00 | 10/4/2010 1:14:33 PM |
| S-Master | $50.00 | $50.00 | 10/4/2010 2:09:52 PM |
| jamiee73 | $25.00 | $25.00 | 10/4/2010 3:52:12 PM |
| whartonmba | $25.00 | $25.00 | 10/4/2010 3:53:26 PM |
| JustMee | $25.00 | $25.00 | 10/4/2010 5:59:46 PM |
| marketplace-cello5 | $25.00 | $25.00 | 10/4/2010 6:39:13 PM |
| bnlforever | $25.00 | $25.00 | 10/4/2010 6:39:41 PM |
| important-openness1 | $33.91 | $33.91 | 10/4/2010 8:47:46 PM |
| psa1995 | $25.00 | $25.00 | 10/4/2010 6:39:14 PM |
| kegs | $45.75 | $45.75 | 10/5/2010 4:48:49 AM |
| IIP77 | $25.00 | $25.00 | 10/5/2010 6:12:43 AM |
| dermit | $25.00 | $25.00 | 10/5/2010 4:09:37 AM |
| mtquan | $25.00 | $25.00 | 10/5/2010 8:13:55 AM |
| squarebob | $25.00 | $25.00 | 10/5/2010 1:14:44 PM |
| momoney2lend | $25.00 | $25.00 | 10/5/2010 2:45:24 PM |
| harmonious-revenue7 | $25.00 | $25.00 | 10/5/2010 2:46:21 PM |
| eadamson | $50.00 | $50.00 | 10/5/2010 2:46:39 PM |
| Preferred-Lender | $25.00 | $25.00 | 10/5/2010 2:48:24 PM |
| PatRichi | $25.00 | $25.00 | 10/5/2010 2:50:22 PM |
| rob1971 | $50.00 | $50.00 | 10/5/2010 2:54:16 PM |
| geniusj | $25.00 | $25.00 | 10/5/2010 2:54:21 PM |
| gold-channel2 | $50.00 | $50.00 | 10/5/2010 2:55:28 PM |
| Speculator | $50.00 | $50.00 | 10/5/2010 2:59:11 PM |
| jono9999 | $25.00 | $25.00 | 10/5/2010 2:53:31 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 10/5/2010 2:59:07 PM |
| burrito6 | $25.00 | $25.00 | 10/5/2010 2:59:12 PM |
| bill-mushroom | $25.00 | $25.00 | 10/5/2010 2:59:13 PM |
| capital-web193 | $50.00 | $50.00 | 10/5/2010 3:27:50 PM |
| nicklds | $25.00 | $25.00 | 10/5/2010 3:48:55 PM |
| Dhuri | $38.80 | $38.80 | 10/5/2010 4:53:37 PM |
| zrohmm | $25.00 | $25.00 | 10/5/2010 4:54:04 PM |
| bettndon | $25.68 | $25.68 | 10/5/2010 4:56:15 PM |
| debtcollector | $25.00 | $25.00 | 10/5/2010 4:28:16 PM |
| liberty-injector | $50.00 | $50.00 | 10/5/2010 5:22:51 PM |
| sqdrew | $50.00 | $50.00 | 10/5/2010 5:20:03 PM |
| AF-Chief | $35.00 | $35.00 | 10/5/2010 5:34:31 PM |
| payout-carnival | $50.00 | $50.00 | 10/5/2010 5:28:12 PM |
| r0b3m4n | $25.00 | $25.00 | 10/5/2010 6:03:05 PM |
| silverloan | $29.58 | $29.58 | 10/5/2010 4:56:08 PM |
| TW2000 | $25.00 | $25.00 | 10/5/2010 6:22:51 PM |
| jojo6686 | $25.00 | $25.00 | 10/5/2010 5:09:07 PM |
| MADAOO7 | $38.18 | $38.18 | 10/5/2010 6:53:37 PM |
| cash-tent | $25.00 | $25.00 | 10/5/2010 10:26:27 PM |
| nodrivelpls | $25.00 | $25.00 | 10/6/2010 1:08:21 AM |
| financialaid | $25.00 | $25.00 | 10/6/2010 1:05:24 AM |
| yield-aurora | $25.00 | $25.00 | 10/6/2010 1:10:23 AM |
| mnmcarve | $25.54 | $25.54 | 10/6/2010 1:21:56 AM |
| lostontheedge | $25.00 | $25.00 | 10/6/2010 1:23:16 AM |
| Zingaro | $25.00 | $25.00 | 10/6/2010 1:23:35 AM |
| 340 | $25.00 | $25.00 | 10/6/2010 1:22:00 AM |
| InvestorPartners | $25.00 | $25.00 | 10/6/2010 12:38:55 AM |
| DER | $29.30 | $29.30 | 10/6/2010 12:50:28 AM |
| yomanie | $45.94 | $24.87 | 10/6/2010 1:59:54 AM |
| mvalley | $25.56 | $25.56 | 10/6/2010 1:06:41 AM |
| LAM26 | $25.00 | $25.00 | 10/6/2010 1:37:55 AM |
| TheYellowDart | $25.00 | $25.00 | 10/6/2010 1:59:07 AM |
| Whipster | $50.00 | $50.00 | 10/6/2010 5:12:39 AM |
| dynrep | $25.00 | $25.00 | 10/6/2010 5:56:55 AM |
| loan-adventurer7 | $36.00 | $36.00 | 10/6/2010 2:22:47 AM |
| OLYVRC | $25.00 | $25.00 | 10/6/2010 8:26:23 AM |
| octoberfresh | $25.00 | $25.00 | 10/6/2010 6:36:46 AM |
| Bob450 | $25.00 | $25.00 | 10/6/2010 7:53:48 AM |
| skaught | $30.00 | $30.00 | 10/6/2010 10:01:09 AM |
| squarebob | $25.00 | $25.00 | 10/6/2010 9:31:33 AM |
| squarebob | $25.00 | $25.00 | 10/6/2010 10:09:57 AM |
| golffish2 | $100.00 | $100.00 | 10/6/2010 10:14:58 AM |
| active-wealth3 | $25.00 | $25.00 | 10/6/2010 11:01:10 AM |
| grampy48 | $25.00 | $25.00 | 10/6/2010 12:38:42 PM |
| Nerdster1 | $25.01 | $25.01 | 10/6/2010 2:15:37 PM |
| JamesDewsbury | $25.00 | $25.00 | 10/6/2010 1:56:43 PM |
| 189 bids
|
Borrower Payment Dependent Notes Series
477148
This series of Notes was issued and sold upon the funding of the borrower loan #44790, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-27-2010 |
| |
Auction end date:
| Oct-04-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $179.48 |
| |
|
Auction yield range:
| 13.79% - 34.00% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 5 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 8y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 | Stated income: | $75,000-$99,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $182 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| affluence-taco |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to pay a couple month's rent
Hello;
I'm looking for a temporary respite... no sob story here; I just don't want to move from the apartment that has been my home for 18 years. My landlord loves me... I always pay my rent early.
I've been on furlough this past year, so need a loan to provide a temporary comfort zone.
I will return to work on 1 Jan 11, and I earn $86000 a year, working in a city government position. Payments for this loan will come directly from my city employee's credit union, an account I have maintained for seven years.
Also, please note that I have been diligent with credit, and I maintain a high credit score -- I don't know how they gage it here at Prosper, but Experian put it at 741 on 3 August 2010 (I do not know if that was Vantage or Fair Issac).
I maintain only one credit card for emergencies.
Thank you so much for your kind attention.
Monthly net income: $ 86000 when I return to work
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $750
??Utilities: $ 100
??Phone, cable, internet: $75
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $ None
??Other expenses: $ None
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AlexTrep | $50.00 | $50.00 | 9/27/2010 3:24:50 PM |
| kulender | $50.00 | $50.00 | 9/27/2010 3:31:48 PM |
| agiovasil | $200.00 | $200.00 | 9/27/2010 3:35:24 PM |
| bid-czar8 | $25.00 | $25.00 | 9/27/2010 3:39:08 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/27/2010 3:41:46 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 9/27/2010 3:50:22 PM |
| bountiful-durability | $100.00 | $100.00 | 9/27/2010 3:47:34 PM |
| simplelender80 | $250.00 | $250.00 | 9/27/2010 3:48:30 PM |
| reward-adventure | $50.00 | $50.00 | 9/27/2010 3:48:58 PM |
| musegaze | $100.00 | $100.00 | 9/27/2010 4:00:47 PM |
| Comoparklender | $50.00 | $50.00 | 9/27/2010 4:13:29 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/28/2010 10:52:13 PM |
| AF-Chief | $25.00 | $25.00 | 9/29/2010 9:23:06 AM |
| Artist_Blue | $25.00 | $25.00 | 9/30/2010 7:47:57 AM |
| jubilant-auction5 | $25.00 | $25.00 | 9/30/2010 10:53:58 AM |
| 108lender | $100.00 | $100.00 | 9/30/2010 11:17:19 AM |
| important-openness1 | $40.08 | $40.08 | 9/30/2010 3:04:43 PM |
| nickel-hickory | $25.00 | $25.00 | 9/30/2010 3:53:11 PM |
| gochargers | $107.25 | $107.25 | 9/30/2010 9:31:40 PM |
| kycats01 | $25.00 | $25.00 | 10/1/2010 10:23:37 AM |
| first-serene-credit | $50.00 | $50.00 | 10/1/2010 3:11:14 PM |
| Bob450 | $25.00 | $25.00 | 10/1/2010 10:49:03 PM |
| larryboy10 | $25.00 | $25.00 | 10/2/2010 11:24:49 AM |
| Runegeld | $95.00 | $95.00 | 10/2/2010 1:38:31 PM |
| realtormoises | $25.00 | $25.00 | 10/2/2010 11:13:32 AM |
| vulgy | $25.00 | $25.00 | 10/2/2010 8:30:42 PM |
| Pu239 | $60.00 | $60.00 | 10/2/2010 8:40:32 PM |
| marwadi-62 | $100.00 | $100.00 | 10/2/2010 7:16:22 PM |
| frogperson | $100.00 | $100.00 | 10/3/2010 9:34:40 AM |
| felicity-festival | $40.00 | $40.00 | 10/4/2010 1:28:53 AM |
| atlas100 | $50.00 | $50.00 | 10/4/2010 8:32:25 AM |
| income-rocker2 | $25.00 | $25.00 | 10/4/2010 7:59:38 AM |
| UBOtto186 | $25.00 | $25.00 | 10/4/2010 9:48:41 AM |
| aquistoyraul | $25.00 | $25.00 | 10/4/2010 12:13:47 PM |
| cash-spark3 | $25.00 | $25.00 | 10/4/2010 1:18:50 PM |
| felicity-festival | $40.00 | $40.00 | 10/4/2010 2:09:55 PM |
| majestic-currency3 | $50.00 | $50.00 | 10/4/2010 3:16:01 PM |
| contract-happiness1 | $25.00 | $25.00 | 9/27/2010 3:20:01 PM |
| villagers | $25.00 | $25.00 | 9/27/2010 3:33:10 PM |
| handshake5 | $50.00 | $50.00 | 9/27/2010 3:37:59 PM |
| 6moonbeams | $25.00 | $25.00 | 9/27/2010 3:37:32 PM |
| rescue | $100.00 | $100.00 | 9/27/2010 3:44:30 PM |
| b-rent | $25.00 | $25.00 | 9/27/2010 3:54:02 PM |
| penny-plato | $25.00 | $25.00 | 9/27/2010 7:03:06 PM |
| gold-channel2 | $50.00 | $50.00 | 9/29/2010 10:04:06 AM |
| money-bauble | $100.00 | $100.00 | 9/29/2010 11:38:49 AM |
| asiaratt | $50.00 | $50.00 | 9/29/2010 1:26:40 PM |
| psa1995 | $25.00 | $25.00 | 9/30/2010 3:39:10 AM |
| JoyfulVegetarian | $25.00 | $25.00 | 9/30/2010 9:38:51 AM |
| loan-kung-fu | $25.00 | $25.00 | 9/30/2010 11:18:41 AM |
| fairness-kayak | $25.00 | $25.00 | 9/30/2010 1:13:45 PM |
| momoney2lend | $25.00 | $25.00 | 9/30/2010 3:00:54 PM |
| head | $25.00 | $25.00 | 9/30/2010 3:02:49 PM |
| gallant-economy9 | $400.00 | $400.00 | 9/30/2010 3:01:33 PM |
| papaloha | $25.00 | $25.00 | 9/30/2010 3:06:12 PM |
| larrybird | $150.00 | $150.00 | 9/30/2010 3:07:07 PM |
| kegs | $75.22 | $32.66 | 9/30/2010 7:57:50 PM |
| fizicks06 | $55.00 | $55.00 | 10/2/2010 12:25:53 AM |
| attractive-rate | $30.00 | $30.00 | 10/2/2010 4:52:06 AM |
| unger | $50.00 | $50.00 | 10/2/2010 4:32:44 PM |
| revenue-youngster | $25.00 | $25.00 | 10/3/2010 11:07:18 AM |
| capital-galaxy | $100.00 | $100.00 | 10/3/2010 7:10:18 PM |
| red-ready-principal | $25.00 | $25.00 | 10/3/2010 7:19:52 PM |
| Sudoku | $50.00 | $50.00 | 10/4/2010 3:20:59 AM |
| Sudoku | $100.00 | $100.00 | 10/4/2010 3:20:02 AM |
| Leshan | $25.00 | $25.00 | 10/4/2010 7:55:11 AM |
| moola-monger9 | $50.00 | $50.00 | 10/4/2010 10:18:03 AM |
| on_your_side | $25.00 | $25.00 | 10/4/2010 9:56:18 AM |
| Lubava | $25.00 | $25.00 | 10/4/2010 1:24:36 PM |
| Nerdster1 | $25.01 | $25.01 | 10/4/2010 2:49:55 PM |
| 70 bids
|
Borrower Payment Dependent Notes Series
477490
This series of Notes was issued and sold upon the funding of the borrower loan #44796, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% |
Auction start date:
| Sep-28-2010 |
| |
Auction end date:
| Oct-05-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $192.76 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $192.76 |
| |
|
Auction yield range:
| 10.79% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
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 score (1-10):
| 8 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $116,985 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| magnificent-trade2 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,950.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Nov-2009)
|
|
Principal balance:
| $1,581.97 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Consolidate CC debt & Prosper loan
Purpose of loan:
This loan will be used to payoff my prosper loan and payoff credit card debt on balances that will increase?significantly after special balance transfer rates will be expiring.?
My financial situation:
I am a good candidate for this loan because I have stable employment as my bank was bought by another bank. The new bank not only retained me but gave me a raise. I pay my bills in a timely manner and the reason for my lower credit score is because of the high utilization on my revolving?Home Equity Line of Credit. Otherwise, I would have a much better credit score.?I have a loan with Propser that was used to pay wedding expenses, which has been paid on time.?I had anticpated the loan to?be?paid off by now?but we have not?been able to sell my wife's house, which would increase our cash flow significantly.?My wife has a very secure job in the medical field.
Please be aware,?that since I have had my loan with Propser I have been able to?increase my credit score by over 20 points. Also, the net effect of the decrease in?my cash flow would actual be about $120 when you consider the payoff of my other Prosper Loan.
If you have any question, please feel to ask.?
Thank you for your time
Monthly net income: $ 4400
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 30
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400 includes $78 propser loan to be paid off
??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:
Do your income and expense numbers include your wife's income and house expenses? Does she have equity in the house? Thank you! - proton346
A:
Because of the two homes, we have not combined cash flow and debts to date due to the way our mortgages are auto debited from our accounts. So therfore, at the moment, our incomes and expenses are set up as though we are still dating and the numbers reflect my obligations and income only. She does have equity in the home.
(Sep-30-2010)
Q:
What is the Now Delinquent: 1 about in your profile? - RecoveryLender
A:
I believe the account showed up on my first Prosper loan too. Unfortunately, I don't know why there is a deliquent account showing. I know I am current on all my outstanding credit cards and loans and have been them as agreed. The only thing I can think of is an old medical bill or old parking ticket.
(Oct-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| 6moonbeams | $25.00 | $25.00 | 9/28/2010 2:31:43 PM |
| brother_tam | $50.00 | $50.00 | 9/28/2010 2:32:03 PM |
| sfmf | $25.00 | $25.00 | 9/28/2010 2:28:33 PM |
| drcoop | $25.00 | $25.00 | 9/28/2010 2:38:43 PM |
| a-bountiful-trade | $25.00 | $25.00 | 9/28/2010 2:32:46 PM |
| handshake5 | $100.00 | $100.00 | 9/28/2010 2:31:56 PM |
| LoisLoan | $25.00 | $25.00 | 9/28/2010 3:24:01 PM |
| bid-czar8 | $25.00 | $25.00 | 9/28/2010 2:32:23 PM |
| money-bauble | $50.00 | $50.00 | 9/28/2010 3:25:42 PM |
| b-rent | $25.00 | $25.00 | 9/28/2010 2:35:00 PM |
| Rattlehead | $25.00 | $25.00 | 9/28/2010 3:25:31 PM |
| payment-gusto | $25.00 | $25.00 | 9/28/2010 5:12:02 PM |
| danthemon35 | $25.00 | $25.00 | 9/29/2010 3:07:06 AM |
| Comoparklender | $25.00 | $25.00 | 9/29/2010 4:53:46 AM |
| shrewd-peace7 | $35.00 | $35.00 | 9/29/2010 7:32:12 AM |
| ingenious-deal6 | $25.00 | $25.00 | 9/28/2010 10:52:47 PM |
| ozlem | $50.00 | $50.00 | 9/29/2010 7:47:07 AM |
| thedude393 | $25.00 | $25.00 | 9/29/2010 9:07:06 AM |
| elegant-bonus | $25.00 | $25.00 | 9/29/2010 9:07:05 AM |
| coin-investor | $25.00 | $25.00 | 9/29/2010 9:37:43 AM |
| jlr613 | $50.00 | $50.00 | 9/29/2010 9:54:40 AM |
| Lam0nt | $25.00 | $25.00 | 9/29/2010 1:25:05 PM |
| tech310 | $50.00 | $50.00 | 9/29/2010 12:48:51 PM |
| dedicated-diversification5 | $37.49 | $37.49 | 9/29/2010 1:24:52 PM |
| steamboatgal | $50.00 | $50.00 | 9/29/2010 1:25:04 PM |
| happyaric | $50.00 | $50.00 | 9/29/2010 1:24:48 PM |
| Ocean713 | $48.08 | $48.08 | 9/29/2010 2:34:04 PM |
| DasMula | $25.00 | $25.00 | 9/29/2010 5:10:37 PM |
| rescue | $100.00 | $100.00 | 9/29/2010 3:52:33 PM |
| bountiful-durability | $39.58 | $39.58 | 9/29/2010 9:27:27 PM |
| frogperson | $250.00 | $250.00 | 9/30/2010 9:13:30 AM |
| reflective-rupee | $200.00 | $200.00 | 9/30/2010 11:26:21 AM |
| simplelender80 | $250.00 | $148.39 | 9/30/2010 3:07:25 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/30/2010 5:56:11 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/1/2010 3:01:50 PM |
| dollardave | $36.00 | $36.00 | 10/2/2010 2:16:08 AM |
| Galdis | $25.00 | $25.00 | 10/2/2010 6:40:59 AM |
| penny-plato | $25.00 | $25.00 | 10/3/2010 2:03:56 PM |
| loss-of-control | $50.00 | $50.00 | 10/3/2010 8:24:58 PM |
| radiant-loan5 | $106.77 | $106.77 | 10/4/2010 5:46:51 AM |
| grnii78 | $129.76 | $129.76 | 10/4/2010 8:43:39 AM |
| well-mannered-income3 | $100.00 | $100.00 | 10/4/2010 8:43:50 AM |
| patriot384 | $135.00 | $135.00 | 10/4/2010 11:55:19 AM |
| interstellar | $50.00 | $50.00 | 10/4/2010 12:18:43 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 10/4/2010 1:26:15 PM |
| SqueezeKing | $25.00 | $25.00 | 10/4/2010 3:32:34 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/4/2010 3:32:39 PM |
| trumpeter5 | $50.00 | $50.00 | 10/4/2010 3:53:42 PM |
| TakeCare | $25.00 | $25.00 | 10/4/2010 6:39:48 PM |
| supreme-hope | $25.00 | $25.00 | 10/4/2010 8:04:45 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/4/2010 10:48:07 PM |
| benefit-javelin | $27.00 | $27.00 | 10/5/2010 6:51:17 AM |
| listing-bada-bing | $50.00 | $50.00 | 10/5/2010 8:25:05 AM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 8:27:13 AM |
| whatreality | $25.00 | $25.00 | 10/5/2010 9:04:39 AM |
| squarebob | $25.00 | $25.00 | 10/5/2010 11:52:17 AM |
| squarebob | $25.00 | $25.00 | 10/5/2010 11:52:32 AM |
| best-commanding-funds | $25.62 | $25.62 | 10/5/2010 10:02:54 AM |
| Nerdster1 | $25.01 | $25.01 | 10/5/2010 2:21:51 PM |
| squarebob | $25.00 | $25.00 | 10/5/2010 11:51:58 AM |
| squarebob | $25.00 | $25.00 | 10/5/2010 11:52:57 AM |
| first-dinero-igloo | $26.20 | $26.20 | 10/5/2010 1:11:04 PM |
| Paxman84 | $25.00 | $25.00 | 10/5/2010 1:13:34 PM |
| GElender | $25.00 | $25.00 | 9/28/2010 2:38:14 PM |
| patriot897 | $25.00 | $25.00 | 9/28/2010 3:27:40 PM |
| kulender | $50.00 | $50.00 | 9/28/2010 2:52:31 PM |
| cashonhand | $25.00 | $25.00 | 9/28/2010 3:23:14 PM |
| AF-Chief | $25.00 | $25.00 | 9/28/2010 3:33:31 PM |
| villagers | $25.00 | $25.00 | 9/28/2010 3:37:23 PM |
| agiovasil | $25.00 | $25.00 | 9/28/2010 3:37:49 PM |
| zone6 | $100.00 | $100.00 | 9/28/2010 5:56:59 PM |
| seisen | $65.42 | $65.42 | 9/29/2010 10:05:39 AM |
| finance-prescription | $50.00 | $50.00 | 9/29/2010 1:24:42 PM |
| zone8 | $100.00 | $100.00 | 9/29/2010 1:24:54 PM |
| soulful-truth | $25.00 | $25.00 | 9/29/2010 2:34:02 PM |
| dime-reaction | $50.00 | $50.00 | 9/29/2010 2:34:01 PM |
| AlexTrep | $50.00 | $50.00 | 9/29/2010 5:52:19 PM |
| consummate-loyalty1 | $78.68 | $78.68 | 9/30/2010 9:08:48 AM |
| fairness-kayak | $25.00 | $25.00 | 9/30/2010 1:14:42 PM |
| neorunner | $25.00 | $25.00 | 10/2/2010 8:07:27 PM |
| fireman4 | $25.00 | $25.00 | 10/4/2010 4:41:10 AM |
| new-social-economist | $50.00 | $50.00 | 10/4/2010 3:36:08 PM |
| Bob450 | $25.00 | $25.00 | 10/4/2010 3:31:05 PM |
| jybank | $25.00 | $25.00 | 10/4/2010 8:41:51 PM |
| LoanerPrincipal | $50.00 | $50.00 | 10/5/2010 4:12:15 AM |
| loanman2007 | $50.00 | $50.00 | 10/5/2010 4:44:13 AM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 8:25:34 AM |
| houli123 | $250.00 | $250.00 | 10/5/2010 8:08:39 AM |
| whatreality | $25.00 | $25.00 | 10/5/2010 9:04:15 AM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 8:26:42 AM |
| Astyanax | $100.00 | $100.00 | 10/5/2010 10:07:49 AM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 8:26:09 AM |
| Feyenoord | $25.00 | $25.00 | 10/5/2010 8:45:49 AM |
| lucrative-coin | $100.00 | $100.00 | 10/5/2010 11:45:31 AM |
| bsmtloan | $100.00 | $100.00 | 10/5/2010 12:01:22 PM |
| grampy48 | $25.00 | $25.00 | 10/5/2010 2:03:59 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/5/2010 11:20:40 AM |
| 97 bids
|
Borrower Payment Dependent Notes Series
477848
This series of Notes was issued and sold upon the funding of the borrower loan #44792, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,900.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% |
Auction start date:
| Oct-01-2010 |
| |
Auction end date:
| Oct-08-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $266.89 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $266.89 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
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 score (1-10):
| 1 |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 21y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $13,709 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| 3Bookworms |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 97% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $25,000.00 | < 31 days late:
| 1
( 3% )
| 720-739
(Aug-2010)
740-759
(Sep-2008)
720-739
(Jun-2008)
760-779
(Jun-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Paying Tuition for Child
Purpose of loan:
This loan will be used to? pay college tuition for my son.
My financial situation:
I am a good candidate for this loan because? I am on my way to being debt-free.? 3 years ago I got a $25K Proper loan and an additional $20K from credit card advances to bolster a part-time family business we had started.? That business is still going well and I have recently had a promotion with my regular full time job in the financial services industry.
The $25K Prosper Loan?has been?paid in full.??The credit card bills are down to $14K.? The credit card bills will be paid off by my 2010 bonus which pays in February 2011.?
I am committed to sharing the cost of college with my son and our goal is to have him finish without him using any student loans so that he has a better financial start to his future than I did.?? This loan will help us work toward that goal.?
Thank you for your consideration.
Monthly net income: $ 9400
Monthly expenses: $
??Housing: $ 2700
??Insurance: $?595
??Car expenses: $ 425
??Utilities: $ 295
??Phone, cable, internet: $ 235
??Food, entertainment: $ 850
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 750
??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 admire the fact that you paid down the first loan but i must admit that i am a little confused by this listing and the last listing. Now you want one for your son's school and the last time it was for a CC bill. What is really going on here? - Johnab
A:
Thanks for the very fair question.
Two things have happened. First thing is that our supposed funding source for this portion of my son's college fell through. Therfore, that left us to look elsewhere and that was disappointing.
Secondly, the projected numbers for my year-end bonus were revised upward due to my winning an internal sales initiative. That's great news because now the bonus will likely take care of the credit card debt.
Thanks.
(Oct-03-2010)
Q:
Your monthly expenses subtracted from your monthly net income
appear to show you'll have more than $3,000. spendable. How much
will you need for son's schooling? - RecoveryLender
A:
Hello and thanks for the question.
The total amount we will be needing is just under $10,000. This loan combined with some other assets and income will allow us to accomplish this next portion of his schooling.
Thank you so much.
(Oct-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 10/1/2010 2:26:23 PM |
| glroark | $50.00 | $50.00 | 10/1/2010 2:29:41 PM |
| Jasmel | $500.00 | $500.00 | 10/1/2010 6:19:15 PM |
| Saleen06 | $50.00 | $50.00 | 10/3/2010 9:49:52 PM |
| Johnab | $25.00 | $25.00 | 10/4/2010 5:43:54 AM |
| brondero | $250.00 | $250.00 | 10/5/2010 6:20:41 PM |
| LendingService | $50.00 | $46.23 | 10/6/2010 9:21:42 AM |
| restless-dime | $25.00 | $25.00 | 10/6/2010 11:49:19 AM |
| _SCI_ | $25.00 | $25.00 | 10/6/2010 7:32:46 PM |
| clemclan | $25.00 | $25.00 | 10/6/2010 9:20:17 PM |
| friendinmoney | $25.00 | $25.00 | 10/6/2010 8:56:31 PM |
| DasMula | $25.00 | $25.00 | 10/6/2010 9:09:42 PM |
| WonByOne | $50.00 | $50.00 | 10/7/2010 6:23:37 AM |
| Bob450 | $25.00 | $25.00 | 10/6/2010 10:03:59 PM |
| chameleon125 | $75.00 | $75.00 | 10/7/2010 6:27:58 AM |
| vmh20035 | $50.00 | $50.00 | 10/7/2010 11:34:47 AM |
| five-star-note | $250.00 | $250.00 | 10/7/2010 11:35:47 AM |
| supreme-hope | $25.00 | $25.00 | 10/7/2010 1:15:20 PM |
| fabulous-community4 | $25.00 | $25.00 | 10/7/2010 2:06:10 PM |
| lucrative-loan | $75.00 | $75.00 | 10/7/2010 1:27:54 PM |
| CommunityArts_Non-profit | $50.00 | $50.00 | 10/7/2010 2:29:44 PM |
| head | $25.00 | $25.00 | 10/7/2010 1:55:44 PM |
| american-investor | $25.00 | $25.00 | 10/7/2010 1:25:32 PM |
| YoungTaxMan | $25.00 | $25.00 | 10/7/2010 1:27:50 PM |
| wlm3012 | $25.00 | $25.00 | 10/7/2010 3:10:12 PM |
| nodebt2012 | $25.00 | $25.00 | 10/7/2010 11:14:24 PM |
| ookamikun | $100.00 | $100.00 | 10/7/2010 11:27:37 PM |
| Leshan | $107.16 | $107.16 | 10/7/2010 6:05:55 PM |
| PXM-Financial | $50.00 | $50.00 | 10/8/2010 7:14:18 AM |
| a_falk22 | $25.00 | $25.00 | 10/8/2010 8:29:27 AM |
| golffish2 | $100.00 | $100.00 | 10/8/2010 7:41:18 AM |
| MrRooster101 | $25.00 | $25.00 | 10/8/2010 8:35:32 AM |
| terrific-peace8 | $50.00 | $50.00 | 10/8/2010 9:51:59 AM |
| druidpoet | $30.00 | $30.00 | 10/8/2010 9:51:38 AM |
| Iloanyoumoney | $25.00 | $25.00 | 10/8/2010 7:10:59 AM |
| mcgovern2024 | $25.00 | $25.00 | 10/8/2010 7:51:39 AM |
| DasMula | $100.00 | $100.00 | 10/8/2010 12:03:40 PM |
| AlexTrep | $25.00 | $25.00 | 10/8/2010 1:05:06 PM |
| noble-marketplace | $25.00 | $25.00 | 10/8/2010 2:00:57 PM |
| PunjabBank | $50.00 | $50.00 | 10/8/2010 2:08:16 PM |
| nduli | $27.05 | $27.05 | 10/8/2010 11:27:54 AM |
| Paxman84 | $25.00 | $25.00 | 10/8/2010 12:36:17 PM |
| AlexTrep | $25.00 | $25.00 | 10/8/2010 1:05:23 PM |
| reflective-rupee | $50.00 | $50.00 | 10/1/2010 3:13:23 PM |
| Skeptical-one | $29.06 | $29.06 | 10/1/2010 6:12:45 PM |
| economy-popcorn | $25.00 | $25.00 | 10/3/2010 5:45:38 AM |
| brondero | $100.00 | $100.00 | 10/3/2010 12:47:55 AM |
| mikeandcat | $100.00 | $100.00 | 10/4/2010 8:38:12 AM |
| NekHoldings | $25.00 | $25.00 | 10/5/2010 4:59:45 AM |
| diversification-maple1 | $25.00 | $25.00 | 10/6/2010 12:17:49 AM |
| Riccous | $375.00 | $375.00 | 10/6/2010 12:04:07 AM |
| Moe87 | $25.00 | $25.00 | 10/6/2010 3:28:13 PM |
| well-mannered-income3 | $30.00 | $30.00 | 10/6/2010 3:42:50 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/6/2010 6:35:32 PM |
| genuine-integrity0 | $25.00 | $25.00 | 10/6/2010 6:48:23 PM |
| atlas100 | $50.00 | $50.00 | 10/6/2010 8:13:09 PM |
| blitzen40 | $50.00 | $50.00 | 10/6/2010 7:29:14 PM |
| Kash2010lu | $50.00 | $50.00 | 10/6/2010 8:20:51 PM |
| loanman2007 | $100.00 | $100.00 | 10/7/2010 5:49:23 AM |
| BrighterSuns | $25.00 | $25.00 | 10/7/2010 1:36:14 PM |
| xiobus | $25.00 | $25.00 | 10/7/2010 7:38:45 PM |
| icanhasloanz | $50.00 | $50.00 | 10/7/2010 8:38:30 PM |
| payment-encore | $200.00 | $200.00 | 10/7/2010 9:28:36 PM |
| Tono | $30.00 | $30.00 | 10/7/2010 6:56:41 PM |
| Belair_Advisors | $25.00 | $25.00 | 10/8/2010 4:33:41 AM |
| minnesotafinancial | $25.00 | $25.00 | 10/8/2010 6:53:50 AM |
| eagle1271 | $25.00 | $25.00 | 10/8/2010 7:39:52 AM |
| aquistoyraul | $25.00 | $25.00 | 10/8/2010 8:21:36 AM |
| payout-comet | $25.00 | $25.00 | 10/8/2010 8:59:29 AM |
| gain-implementer | $60.00 | $60.00 | 10/8/2010 9:19:35 AM |
| nhrma | $26.52 | $26.52 | 10/8/2010 3:22:44 AM |
| red-favorable-basis | $25.00 | $25.00 | 10/8/2010 3:34:03 AM |
| golffish2 | $200.00 | $200.00 | 10/8/2010 9:55:00 AM |
| ronin4sale | $25.00 | $25.00 | 10/8/2010 6:19:01 AM |
| fervent-power | $25.00 | $25.00 | 10/8/2010 10:58:10 AM |
| gold-cluster | $100.00 | $100.00 | 10/8/2010 7:34:06 AM |
| debt-legend | $25.00 | $25.00 | 10/8/2010 11:06:53 AM |
| DasMula | $100.00 | $100.00 | 10/8/2010 12:03:21 PM |
| mrxtravis | $48.98 | $48.98 | 10/8/2010 1:18:35 PM |
| wealth-multiplier | $25.00 | $25.00 | 10/8/2010 10:06:17 AM |
| american-investor | $25.00 | $25.00 | 10/8/2010 1:36:53 PM |
| money-fort | $40.00 | $40.00 | 10/8/2010 2:01:34 PM |
| payout-bridge | $1,000.00 | $1,000.00 | 10/8/2010 2:12:34 PM |
| 83 bids
|
Borrower Payment Dependent Notes Series
478088
This series of Notes was issued and sold upon the funding of the borrower loan #44814, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Oct-04-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 33.56% |
Starting monthly payment:
| $41.09 |
|
Final lender yield:
| 21.30% |
Final borrower rate/APR:
| 22.30% / 28.17% |
Final monthly payment:
| $38.35 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.32% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1980 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
11 | Length of status: | 11y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $169,211 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unrelenting-coin |
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
Paying off Macy's card - 746 Eqfax
Purpose of loan:
This loan will be used to pay down Macy's card.
My financial situation:
I am a good candidate for this loan because I take pride in paying off loans. Please take help me to pay down this high interest rate store card.
Monthly net income: $8500
Monthly expenses: $
??Housing: $2023 (including ins.)
??Car expenses: $650
??Utilities: $250
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $1500
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 large revolving credit balance. How did you build up this debt? What sort of debt is this (ie, credit card, home equity line of credit, personal line of credit, etc)? Thanks and best wishes. - reflective-rupee
A:
Sorry for the delayed response as I am just getting used to this. 135K is HELOC. The rest are credit cards that I have closed (except for one) and am paying down, plus the Macy's card. Debt accumulated by medical expenses, dental expenses, kitchen upgrade, support of family members overseas. Macy's card has interest rate of 24.5%. Loan request amount would pay off a portion of Macy's card. Once the Prosper loan is paid off, and if it is worth it, I will do another.
(Oct-05-2010)
Q:
What's the rate on your store card? - new-social-economist
A:
The interest rate on the Macy's store card is 24.5%
(Oct-05-2010)
Q:
What's the $169k revolving balance from? And how are you making payments on that? - new-social-economist
A:
135K is HELOC. The rest are closed credit cards (but one), and the Macy's store card. We are faithfully making payments on all revolving accounts from income, with very little to spare.
(Oct-06-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IPG1 | $25.00 | $25.00 | 10/4/2010 2:40:03 PM |
| 850 | $59.45 | $59.45 | 10/4/2010 9:29:10 PM |
| GS-ROCK | $25.00 | $25.00 | 10/5/2010 1:35:11 PM |
| FinanceEngine | $25.00 | $25.00 | 10/5/2010 2:54:24 PM |
| doopers | $25.00 | $25.00 | 10/5/2010 5:25:54 PM |
| admirable-loyalty | $25.00 | $25.00 | 10/5/2010 5:35:41 PM |
| Reliance_Banker | $25.00 | $25.00 | 10/5/2010 7:22:44 PM |
| mercuriant | $25.00 | $25.00 | 10/6/2010 1:14:01 AM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:44:04 AM |
| lucky2 | $25.00 | $25.00 | 10/7/2010 3:25:26 PM |
| exchange-squirrel | $25.00 | $25.00 | 10/8/2010 12:53:44 PM |
| tigercat | $50.00 | $50.00 | 10/10/2010 6:59:29 AM |
| mpatrick | $25.00 | $25.00 | 10/10/2010 11:40:52 AM |
| autoconnection | $25.00 | $25.00 | 10/10/2010 6:23:00 AM |
| erowis | $25.00 | $25.00 | 10/11/2010 10:52:20 AM |
| Jeddy | $40.00 | $40.00 | 10/11/2010 2:07:12 PM |
| mkvance | $32.26 | $32.26 | 10/11/2010 12:18:46 PM |
| dudebrah | $25.00 | $25.00 | 10/11/2010 2:21:35 PM |
| wild-orange | $25.00 | $25.00 | 10/11/2010 2:27:39 PM |
| trade-goblin9 | $25.00 | $25.00 | 10/4/2010 4:57:36 PM |
| bluebouyz | $25.00 | $25.00 | 10/4/2010 7:09:30 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/9/2010 7:32:27 PM |
| REITRUST | $25.00 | $25.00 | 10/11/2010 7:50:29 AM |
| Book-Mark | $25.00 | $25.00 | 10/11/2010 9:38:58 AM |
| social-zebra | $27.00 | $27.00 | 10/11/2010 10:56:24 AM |
| patriot384 | $500.00 | $191.29 | 10/11/2010 2:39:07 PM |
| reflective-rupee | $25.00 | $25.00 | 10/11/2010 10:41:25 AM |
| new-social-economist | $25.00 | $25.00 | 10/11/2010 10:59:48 AM |
| maccpro1 | $50.00 | $50.00 | 10/11/2010 1:12:02 PM |
| 29 bids
|
Borrower Payment Dependent Notes Series
478162
This series of Notes was issued and sold upon the funding of the borrower loan #44781, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-08-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.49% |
Starting monthly payment:
| $67.30 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.49% |
Final monthly payment:
| $67.30 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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 score (1-10):
| 6 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 6y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,182 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peace-neutron |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement Loan
Purpose of loan:
This loan will be used to? Home Improvement
My financial situation:
I am a good candidate for this loan because? I always pay on time.? All bills setup on auto pay
Monthly net income: $ 1800-2000
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Artist_Blue | $25.00 | $25.00 | 10/5/2010 2:51:39 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/5/2010 3:25:33 PM |
| pembull | $25.00 | $25.00 | 10/5/2010 3:26:42 PM |
| transaction-circuit | $50.00 | $50.00 | 10/5/2010 3:20:59 PM |
| bid-czar8 | $25.00 | $25.00 | 10/5/2010 3:22:40 PM |
| beakerfish | $50.00 | $50.00 | 10/5/2010 6:00:38 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/5/2010 6:43:32 PM |
| FinDoc | $25.00 | $25.00 | 10/6/2010 1:08:28 AM |
| AlexTrep | $50.00 | $50.00 | 10/6/2010 6:37:58 AM |
| plentiful-gain3 | $50.00 | $50.00 | 10/6/2010 6:38:03 AM |
| 6moonbeams | $25.00 | $25.00 | 10/6/2010 3:16:49 PM |
| JustMee | $25.00 | $25.00 | 10/6/2010 9:04:49 PM |
| kulender | $50.00 | $50.00 | 10/6/2010 10:08:22 PM |
| rescue | $28.25 | $28.25 | 10/7/2010 8:21:00 AM |
| simplelender80 | $31.00 | $20.61 | 10/7/2010 8:21:09 AM |
| noble-revenue | $50.00 | $50.00 | 10/7/2010 8:08:18 AM |
| vine99 | $40.00 | $40.00 | 10/7/2010 9:57:22 PM |
| nodebt2012 | $25.00 | $25.00 | 10/7/2010 11:15:27 PM |
| timepassport | $25.00 | $25.00 | 10/7/2010 11:31:45 PM |
| point-tornado | $25.00 | $25.00 | 10/7/2010 6:05:30 PM |
| fund-secret-agent | $25.00 | $25.00 | 10/8/2010 3:56:47 AM |
| papaloha | $25.00 | $25.00 | 10/5/2010 2:54:08 PM |
| ethicalhumanist | $25.00 | $25.00 | 10/5/2010 3:11:54 PM |
| agiovasil | $25.00 | $25.00 | 10/5/2010 3:23:20 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/5/2010 3:23:36 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/5/2010 3:27:08 PM |
| handshake5 | $100.00 | $100.00 | 10/5/2010 3:22:19 PM |
| hookUup | $25.00 | $25.00 | 10/5/2010 3:25:13 PM |
| larryboy10 | $25.00 | $25.00 | 10/5/2010 6:29:38 PM |
| diversification-maple1 | $25.00 | $25.00 | 10/5/2010 8:52:51 PM |
| Brown98 | $25.00 | $25.00 | 10/6/2010 12:39:22 AM |
| CommunityArts_Non-profit | $35.00 | $35.00 | 10/6/2010 8:08:03 PM |
| graceful-investment | $100.00 | $100.00 | 10/7/2010 8:20:37 AM |
| transaction-circuit | $100.00 | $100.00 | 10/7/2010 9:39:37 AM |
| DHolly | $25.00 | $25.00 | 10/7/2010 1:08:50 PM |
| blissful-gain | $41.14 | $41.14 | 10/8/2010 7:53:15 AM |
| Rogelio48 | $35.00 | $35.00 | 10/8/2010 9:38:19 AM |
| exchange-squirrel | $25.00 | $25.00 | 10/8/2010 12:54:48 PM |
| marwadi-62 | $100.00 | $100.00 | 10/8/2010 3:11:59 PM |
| mt3209 | $25.00 | $25.00 | 10/8/2010 3:20:16 PM |
| 40 bids
|
Borrower Payment Dependent Notes Series
478252
This series of Notes was issued and sold upon the funding of the borrower loan #44799, 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:
| 1.6% |
Auction start date:
| Oct-06-2010 |
| |
Auction end date:
| Oct-07-2010 |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $220.16 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 8.59% |
Final monthly payment:
| $220.16 |
| |
|
Auction yield range:
| 2.71% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 780-799 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 18y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Military Officer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,634 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| melodious-benefit2 |
Borrower's state:
| Idaho |
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
Major Purchase Loan
Purpose of loan:? Purchase a 2009 Polaris ATV.? Tax, title, licensing and the extended warranty plan I will pay in cash.
My financial situation:? Since my divorce in 2005, which left some financial scars, I have stuck with a ?purchase with cash? attitude.? This is how I upgraded most of my furniture and other purchases in the past 5 years minus my 2007 Dodge truck which was still a 50% cash down and financing as little as possible.? Unfortunately, a cash only lifestyle has hurt my credit and I do not have the same credit buying power as I did a decade ago.? I have been in the market to purchase an ATV for the last few months and instead of paying cash decided to borrow the funds in order to help facilitate re-establishing a stronger credit history.?
???? I currently have 3 debts that I pay monthly amounts: Auto Loan, $286.00 a month (I habitually pay $350 a month) Citi Financial: $1,500.00 Line of credit of which I used $1000 to purchase new sofa set a few months ago, $10.00 monthly (I pay $200.00 monthly) and will be zero balance in NOV 10.? AAFES:? Credit card with the Armed Forces Exchange, $25.00 is average for a required monthly payment (I habitually pay $100-$200 a month)? If you include what I habitually pay in the aformentioned debts and add other monthly commitments (cable, phone, gas, internest, etc) my monthly bill payments equal approx $1,400.00 a month.?After deductions, including deducting child support, my take home pay is $4,564.52 a month.? I have disposible cash (if there is such a thing) each month for savings and purchases.
???? I am simply looking to rebuild a better credit history which will affect future purchases after retirement (couple decades from now).?
Thank you for your consideration.
Sincerely
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radforj22 | $50.00 | $50.00 | 10/6/2010 2:24:43 PM |
| cash-sensai2 | $25.00 | $25.00 | 10/6/2010 2:25:10 PM |
| unclejaef | $25.00 | $25.00 | 10/6/2010 2:25:15 PM |
| exact-gold2 | $25.00 | $25.00 | 10/6/2010 2:26:03 PM |
| chemistry220 | $50.00 | $50.00 | 10/6/2010 2:27:59 PM |
| happyjackbak | $35.00 | $35.00 | 10/6/2010 2:28:09 PM |
| natural-affluence4 | $50.00 | $50.00 | 10/6/2010 2:28:16 PM |
| GElender | $100.00 | $100.00 | 10/6/2010 2:28:54 PM |
| larrybird | $150.00 | $150.00 | 10/6/2010 2:29:06 PM |
| delicious-social132 | $50.00 | $50.00 | 10/6/2010 2:29:16 PM |
| Castellan | $50.00 | $50.00 | 10/6/2010 2:30:13 PM |
| Ivan2007 | $50.00 | $50.00 | 10/6/2010 2:28:30 PM |
| kegs | $150.00 | $150.00 | 10/6/2010 2:30:49 PM |
| tekkie2412 | $50.00 | $50.00 | 10/6/2010 2:30:55 PM |
| aasx1108 | $25.00 | $25.00 | 10/6/2010 2:31:14 PM |
| yukongin | $50.00 | $50.00 | 10/6/2010 2:29:09 PM |
| alpinaut | $30.00 | $30.00 | 10/6/2010 2:25:33 PM |
| hawaiiangirl76 | $25.00 | $25.00 | 10/6/2010 2:25:40 PM |
| cebgop | $25.00 | $25.00 | 10/6/2010 2:25:46 PM |
| kenji4861 | $50.00 | $50.00 | 10/6/2010 2:29:21 PM |
| ericgassercom | $50.00 | $50.00 | 10/6/2010 2:25:57 PM |
| ichibon | $150.00 | $150.00 | 10/6/2010 2:30:05 PM |
| auction-elvis | $25.00 | $25.00 | 10/6/2010 2:27:22 PM |
| mjunlimited | $50.00 | $50.00 | 10/6/2010 2:27:30 PM |
| commanding-dollar2 | $50.00 | $50.00 | 10/6/2010 2:31:36 PM |
| zen1cent | $25.00 | $25.00 | 10/6/2010 2:31:42 PM |
| Kame | $50.00 | $50.00 | 10/6/2010 2:31:52 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/6/2010 2:29:54 PM |
| BayShell | $50.00 | $50.00 | 10/6/2010 2:30:34 PM |
| chinolatino | $50.00 | $50.00 | 10/6/2010 2:30:43 PM |
| lend_to_you | $25.00 | $25.00 | 10/6/2010 2:31:07 PM |
| MoonMama | $25.00 | $25.00 | 10/6/2010 2:31:17 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/6/2010 2:31:38 PM |
| Preferred-Lender | $25.00 | $25.00 | 10/6/2010 2:31:49 PM |
| ogmanny | $50.00 | $50.00 | 10/6/2010 2:33:46 PM |
| julijask | $35.00 | $35.00 | 10/6/2010 2:36:50 PM |
| rescue | $100.00 | $100.00 | 10/6/2010 2:37:51 PM |
| LendDoc | $50.00 | $50.00 | 10/6/2010 2:36:44 PM |
| woodenshoes | $50.00 | $50.00 | 10/6/2010 3:06:46 PM |
| value-pouch | $50.00 | $50.00 | 10/6/2010 3:06:52 PM |
| keyfig | $25.00 | $25.00 | 10/6/2010 2:37:07 PM |
| jjb3 | $25.00 | $25.00 | 10/6/2010 3:07:46 PM |
| open-minded-finance1 | $25.00 | $25.00 | 10/6/2010 2:37:55 PM |
| riproaringrapids | $25.00 | $25.00 | 10/6/2010 3:05:21 PM |
| cosmof16 | $25.00 | $25.00 | 10/6/2010 3:08:04 PM |
| newest-sensible-hope | $50.00 | $50.00 | 10/6/2010 2:38:53 PM |
| 10ECgirl | $25.00 | $25.00 | 10/6/2010 3:09:02 PM |
| IIP77 | $25.00 | $25.00 | 10/6/2010 3:09:17 PM |
| lovelongandprosper | $50.00 | $50.00 | 10/6/2010 3:09:27 PM |
| progressive-rupee | $50.00 | $50.00 | 10/6/2010 3:06:58 PM |
| crawfingers | $25.00 | $25.00 | 10/6/2010 3:09:29 PM |
| Cai8899 | $67.26 | $67.26 | 10/6/2010 3:11:49 PM |
| lostontheedge | $25.00 | $25.00 | 10/6/2010 3:10:33 PM |
| return-elm | $25.00 | $25.00 | 10/6/2010 3:11:17 PM |
| johntina | $32.38 | $32.38 | 10/6/2010 3:06:46 PM |
| KiwiElf | $40.00 | $40.00 | 10/6/2010 3:11:39 PM |
| ceg451 | $42.74 | $42.74 | 10/6/2010 3:07:47 PM |
| ijspence | $50.00 | $50.00 | 10/6/2010 3:09:00 PM |
| Mr_Bigmoney | $25.00 | $25.00 | 10/6/2010 3:09:06 PM |
| grc | $41.54 | $41.54 | 10/6/2010 3:09:25 PM |
| Cheburashka | $30.00 | $30.00 | 10/6/2010 3:10:15 PM |
| syounker | $25.00 | $25.00 | 10/6/2010 3:15:43 PM |
| deal-frontier | $50.00 | $50.00 | 10/6/2010 3:15:46 PM |
| Okeey | $25.00 | $25.00 | 10/6/2010 3:12:29 PM |
| Phantom99 | $25.00 | $25.00 | 10/6/2010 3:16:41 PM |
| Steveoo1 | $25.00 | $25.00 | 10/6/2010 3:15:21 PM |
| steady-gain5 | $25.00 | $25.00 | 10/6/2010 3:22:34 PM |
| SourDoughSteve | $25.00 | $25.00 | 10/6/2010 3:22:48 PM |
| GenerousGentleMan | $75.00 | $75.00 | 10/6/2010 3:23:04 PM |
| interstellar | $50.00 | $50.00 | 10/6/2010 3:23:10 PM |
| Octavian315 | $35.00 | $35.00 | 10/6/2010 3:22:30 PM |
| tender-integrity3 | $50.00 | $50.00 | 10/6/2010 3:22:39 PM |
| rate-comforter | $25.00 | $25.00 | 10/6/2010 3:22:44 PM |
| trade-caper | $25.00 | $25.00 | 10/6/2010 3:23:06 PM |
| MAJESTIC5 | $49.60 | $49.60 | 10/6/2010 3:23:17 PM |
| inventive-exchange | $25.00 | $25.00 | 10/6/2010 3:22:46 PM |
| cool_kubera | $50.00 | $50.00 | 10/6/2010 3:23:15 PM |
| loanermn | $25.00 | $25.00 | 10/7/2010 12:24:21 PM |
| nicklds | $50.00 | $50.00 | 10/6/2010 2:24:56 PM |
| point-zebra | $50.00 | $50.00 | 10/6/2010 2:27:44 PM |
| life-is-great | $50.00 | $50.00 | 10/6/2010 2:28:42 PM |
| murren | $25.00 | $25.00 | 10/6/2010 2:28:45 PM |
| generous-deal6 | $50.00 | $50.00 | 10/6/2010 2:28:47 PM |
| duty-windmill | $25.00 | $25.00 | 10/6/2010 2:28:50 PM |
| elasermd | $100.00 | $100.00 | 10/6/2010 2:29:18 PM |
| numitor | $50.00 | $50.00 | 10/6/2010 2:27:47 PM |
| tntmojave | $25.00 | $25.00 | 10/6/2010 2:27:49 PM |
| Marathoner | $25.00 | $25.00 | 10/6/2010 2:30:09 PM |
| jts | $25.00 | $25.00 | 10/6/2010 2:30:23 PM |
| point-shooter | $50.00 | $50.00 | 10/6/2010 2:28:13 PM |
| economy-orchid | $30.00 | $30.00 | 10/6/2010 2:30:52 PM |
| Go_Ducks | $25.00 | $25.00 | 10/6/2010 2:31:03 PM |
| kanakakm | $50.00 | $50.00 | 10/6/2010 2:28:53 PM |
| DukSerduk | $25.00 | $25.00 | 10/6/2010 2:25:17 PM |
| damage | $25.00 | $25.00 | 10/6/2010 2:28:57 PM |
| Anny-Disco | $25.00 | $25.00 | 10/6/2010 2:31:16 PM |
| cablenews | $50.00 | $50.00 | 10/6/2010 2:31:26 PM |
| LAKESPRING | $25.00 | $25.00 | 10/6/2010 2:29:43 PM |
| bglender | $50.00 | $50.00 | 10/6/2010 2:31:47 PM |
| neighborly-hope6 | $50.00 | $50.00 | 10/6/2010 2:30:02 PM |
| CaptainBlueberry | $25.00 | $25.00 | 10/6/2010 2:31:54 PM |
| thezfunk | $25.00 | $25.00 | 10/6/2010 2:31:57 PM |
| Avala | $100.00 | $100.00 | 10/6/2010 2:30:18 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 10/6/2010 2:30:28 PM |
| meenan | $25.00 | $25.00 | 10/6/2010 2:30:36 PM |
| spiritual-bonus9 | $50.00 | $50.00 | 10/6/2010 2:30:58 PM |
| JoyfulVegetarian | $50.00 | $50.00 | 10/6/2010 2:31:01 PM |
| meux99 | $25.00 | $25.00 | 10/6/2010 2:31:11 PM |
| eadamson | $50.00 | $50.00 | 10/6/2010 2:31:20 PM |
| balance6 | $25.00 | $25.00 | 10/6/2010 2:31:44 PM |
| agiovasil | $25.00 | $25.00 | 10/6/2010 2:28:39 PM |
| magical-greenback | $50.00 | $50.00 | 10/6/2010 2:29:02 PM |
| museic1 | $25.00 | $25.00 | 10/6/2010 2:29:12 PM |
| cachecrew | $50.00 | $50.00 | 10/6/2010 2:29:45 PM |
| dtrain5 | $25.00 | $25.00 | 10/6/2010 2:30:39 PM |
| psa1995 | $50.00 | $50.00 | 10/6/2010 2:30:41 PM |
| investment-network | $25.00 | $25.00 | 10/6/2010 2:31:19 PM |
| LizzieMN | $50.00 | $50.00 | 10/6/2010 2:31:29 PM |
| lendingfrog | $50.00 | $50.00 | 10/6/2010 2:31:33 PM |
| eyal0 | $50.00 | $50.00 | 10/6/2010 2:31:40 PM |
| LAAJ38 | $25.00 | $25.00 | 10/6/2010 2:32:02 PM |
| Anonymous_Guy | $25.00 | $25.00 | 10/6/2010 2:37:05 PM |
| E_G | $50.00 | $50.00 | 10/6/2010 2:37:22 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/6/2010 2:35:24 PM |
| harty | $50.00 | $50.00 | 10/6/2010 2:38:36 PM |
| jennifer55126 | $25.00 | $25.00 | 10/6/2010 2:36:29 PM |
| afotherg | $32.73 | $32.73 | 10/6/2010 2:37:18 PM |
| AJSinvest | $25.00 | $25.00 | 10/6/2010 2:37:30 PM |
| CASHGIRL | $25.00 | $25.00 | 10/6/2010 2:37:44 PM |
| mistertao | $25.00 | $25.00 | 10/6/2010 2:37:20 PM |
| Bankman68 | $50.00 | $50.00 | 10/6/2010 3:05:40 PM |
| MJDAE | $50.00 | $50.00 | 10/6/2010 2:38:40 PM |
| pavelz | $50.00 | $50.00 | 10/6/2010 3:08:58 PM |
| UncleTupelo2 | $25.00 | $25.00 | 10/6/2010 3:09:33 PM |
| Vreet | $50.00 | $50.00 | 10/6/2010 3:11:46 PM |
| rmachi | $25.00 | $25.00 | 10/6/2010 3:12:18 PM |
| skuba | $50.00 | $50.00 | 10/6/2010 3:12:25 PM |
| kcole10 | $25.00 | $25.00 | 10/6/2010 3:12:38 PM |
| chillware | $25.00 | $25.00 | 10/6/2010 3:10:57 PM |
| otter | $25.00 | $25.00 | 10/6/2010 3:08:54 PM |
| the-transaction-stronghold | $50.00 | $50.00 | 10/6/2010 3:08:57 PM |
| Philosonie | $25.00 | $25.00 | 10/6/2010 3:15:38 PM |
| cloud8 | $31.12 | $31.12 | 10/6/2010 3:10:17 PM |
| jengachamp | $25.00 | $25.00 | 10/6/2010 3:15:13 PM |
| Artist_Blue | $25.00 | $25.00 | 10/6/2010 3:11:14 PM |
| proper-cash0 | $25.00 | $25.00 | 10/6/2010 3:15:36 PM |
| ramsumana | $25.00 | $25.00 | 10/6/2010 3:12:21 PM |
| lloyd_s | $25.00 | $25.00 | 10/6/2010 3:13:15 PM |
| CorMDNY | $29.45 | $29.45 | 10/6/2010 3:13:18 PM |
| scrappy-bonus2 | $25.00 | $25.00 | 10/6/2010 3:15:11 PM |
| orgy63 | $50.00 | $50.00 | 10/6/2010 3:22:41 PM |
| tech310 | $50.00 | $50.00 | 10/6/2010 3:23:05 PM |
| gallant-economy9 | $400.00 | $313.34 | 10/6/2010 3:23:21 PM |
| best-ingenious-funds | $25.00 | $25.00 | 10/6/2010 3:16:52 PM |
| lifegrowth | $25.00 | $25.00 | 10/6/2010 3:22:24 PM |
| MarinLoans | $25.00 | $25.00 | 10/6/2010 3:22:36 PM |
| jazzlender | $25.00 | $25.00 | 10/6/2010 3:22:42 PM |
| Tai | $25.00 | $25.00 | 10/6/2010 3:23:07 PM |
| djh47a | $25.00 | $25.00 | 10/6/2010 3:22:34 PM |
| deca78750 | $50.00 | $50.00 | 10/6/2010 3:22:45 PM |
| revmax | $25.00 | $25.00 | 10/6/2010 3:22:47 PM |
| credit-scout7 | $50.00 | $50.00 | 10/6/2010 3:23:03 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 10/6/2010 3:23:09 PM |
| bondhedger | $25.00 | $25.00 | 10/6/2010 3:35:25 PM |
| CARedBull | $47.00 | $47.00 | 10/6/2010 9:29:49 PM |
| solarguy2 | $27.84 | $27.84 | 10/7/2010 12:07:30 PM |
| 166 bids
|
Borrower Payment Dependent Notes Series
478316
This series of Notes was issued and sold upon the funding of the borrower loan #44793, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,600.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $96.63 |
|
Final lender yield:
| 19.00% |
Final borrower rate/APR:
| 20.00% / 23.39% |
Final monthly payment:
| $96.63 |
| |
|
Auction yield range:
| 16.71% - 19.00% |
Estimated loss impact:
| 19.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.36% | | |
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 score (1-10):
| 4 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,833 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| jetblackflames |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2008)
680-699
(Nov-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Paying off 2 credit cards!
Purpose of loan:
This loan will be used to pay off two credit cards that are at 29% interest.
My financial situation:
I am a good candidate for this loan because I have already paid off one $10,000 prosper loan and never missed a payment.
Monthly net income: $1,600
Monthly expenses: $500 food and everything else
??Housing: $200/month rent
??Insurance: $30/month
??Credit cards and other loans: $ I currently spend $215 on these 2 cards per month to pay them off more quickly, so I can pay more than my monthly payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 10/5/2010 5:04:28 PM |
| papaloha | $2,550.00 | $2,550.00 | 10/12/2010 1:18:16 PM |
| pietro_torna_indietro | $25.00 | $25.00 | 10/6/2010 10:23:05 PM |
| 3 bids
|
Borrower Payment Dependent Notes Series
478544
This series of Notes was issued and sold upon the funding of the borrower loan #44787, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Oct-07-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 6y 11m |
|
Amount delinquent:
| $1,265 |
Total credit lines:
| 16 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| MartialKid81 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 30 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 540-559
(Jan-2008)
|
|
Principal balance:
| $0.33 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Pay-Off Remaining Credit Debt
Purpose of loan:
This loan will be used to?
Pay off all of my remaining revolving debt.
My financial situation:
I am a good candidate for this loan because?
I am a returning prosper customer, the last loan I had I paid in full more than a year in advance of what the original payment structure was, all of my payments were on time, and my credit score has already improved more than 100 points so far, and I want to get everything else paid off remaining so that I can continue to improve my score.? I am also a good candidate because I have a steady job and income to pay back the loan amount.?
Monthly net income: $
2500
Monthly expenses: $
??Housing: $ 0
??Insurance: $?123
??Car expenses: $ 400
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?300-400
??Other expenses: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| brother_tam | $50.00 | $50.00 | 10/7/2010 2:41:55 PM |
| alexgalt | $100.00 | $100.00 | 10/7/2010 2:41:47 PM |
| frugalinvestor20 | $25.00 | $25.00 | 10/7/2010 2:42:11 PM |
| AlexTrep | $25.00 | $25.00 | 10/7/2010 4:03:29 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 6:00:03 PM |
| reflective-rupee | $100.00 | $100.00 | 10/7/2010 3:49:38 PM |
| bambampk | $25.00 | $25.00 | 10/7/2010 4:14:35 PM |
| DasMula | $25.00 | $25.00 | 10/8/2010 11:41:52 AM |
| penny-plato | $25.00 | $25.00 | 10/8/2010 4:24:39 PM |
| LeverageLender | $25.00 | $25.00 | 10/8/2010 5:24:51 PM |
| CommunityArts_Non-profit | $75.00 | $75.00 | 10/8/2010 9:37:06 PM |
| JM245 | $25.00 | $25.00 | 10/9/2010 3:01:36 AM |
| loanman2007 | $50.00 | $50.00 | 10/10/2010 1:13:20 PM |
| FarmersBank | $25.00 | $25.00 | 10/9/2010 7:11:47 PM |
| atlas100 | $100.00 | $100.00 | 10/10/2010 12:52:43 PM |
| innovator2 | $25.00 | $25.00 | 10/10/2010 10:30:54 PM |
| twjh | $25.00 | $25.00 | 10/11/2010 12:14:29 AM |
| chameleon125 | $50.00 | $50.00 | 10/11/2010 6:51:27 AM |
| interloode | $150.00 | $150.00 | 10/11/2010 12:10:52 AM |
| mikeandcat | $100.00 | $100.00 | 10/11/2010 11:14:59 AM |
| innovator2 | $25.00 | $25.00 | 10/11/2010 9:02:49 AM |
| mikeandcat | $50.00 | $50.00 | 10/11/2010 11:14:05 AM |
| villagers | $25.00 | $25.00 | 10/11/2010 3:13:34 PM |
| mikeandcat | $50.00 | $50.00 | 10/7/2010 3:31:52 PM |
| blitzen40 | $50.00 | $50.00 | 10/7/2010 8:27:23 PM |
| Jasmel | $50.00 | $50.00 | 10/7/2010 11:09:34 PM |
| UCLA4life | $50.00 | $50.00 | 10/8/2010 9:13:03 AM |
| selector568 | $50.00 | $50.00 | 10/8/2010 9:13:05 AM |
| Kash2010lu | $50.00 | $50.00 | 10/8/2010 9:07:41 AM |
| noble-revenue | $50.00 | $50.00 | 10/8/2010 2:33:57 PM |
| swoosh | $25.00 | $25.00 | 10/8/2010 3:47:58 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/8/2010 5:27:03 PM |
| exchange-squirrel | $50.00 | $50.00 | 10/9/2010 4:12:00 AM |
| genuine-integrity0 | $25.00 | $25.00 | 10/9/2010 6:49:32 AM |
| restless-dime | $31.62 | $31.62 | 10/9/2010 6:47:23 AM |
| realtormoises | $25.00 | $25.00 | 10/9/2010 2:38:29 PM |
| what_goes_around | $50.00 | $50.00 | 10/10/2010 12:49:21 PM |
| red-adaptable-funds | $50.00 | $50.00 | 10/10/2010 1:49:40 PM |
| seanickson | $25.00 | $25.00 | 10/10/2010 7:39:18 PM |
| nerlands | $25.00 | $25.00 | 10/10/2010 10:33:45 PM |
| seanickson | $25.00 | $25.00 | 10/10/2010 7:39:33 PM |
| glroark | $50.00 | $50.00 | 10/11/2010 1:52:28 PM |
| Artist_Blue | $25.00 | $25.00 | 10/11/2010 3:07:13 PM |
| jvg10 | $50.00 | $50.00 | 10/11/2010 3:52:29 PM |
| reflective-rupee | $25.00 | $18.38 | 10/11/2010 4:08:02 PM |
| 45 bids
|