Sales Report:Supplement No. 61 dated Oct 25, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 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 454448
This series of Notes was issued and sold upon the funding of the borrower loan #44954, 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: 18.30% 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): 6 First credit line: Jul-1993 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,298Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: nc_cbs 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 1 ( 3% )  
640-659 (Aug-2008)
600-619 (Apr-2008)
600-619 (Jan-2008)
620-639 (Nov-2006)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
My loan for an auto purchase
This loan will be used to buy a used car. Our current vehicle is is simply too expensive to maintain and gas is costing us a fortune every month. We are going to purchase a well cared for used car with fuel economy in the 30 mpg range. The money saved on fuel alone will pay for this loan, plus, we will be selling our current automobile. Thanks for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
brother_tam$50.00$50.009/30/2010 2:43:26 PM
villagers$25.00$25.009/30/2010 2:43:36 PM
Amber_Stone$25.00$25.009/30/2010 3:01:34 PM
frugalinvestor20$25.00$25.009/30/2010 2:47:56 PM
loan-kung-fu$25.00$25.009/30/2010 10:58:07 PM
AlexTrep$50.00$50.0010/1/2010 10:33:04 AM
glroark$50.00$50.0010/1/2010 12:58:06 PM
reflective-rupee$100.00$100.0010/1/2010 3:02:19 PM
kulender$100.00$100.0010/3/2010 3:08:28 AM
mikeandcat$50.00$50.0010/4/2010 8:39:21 AM
data2360$50.00$50.0010/4/2010 3:53:35 PM
jennifer55126$25.00$25.0010/5/2010 2:54:30 PM
Comoparklender$25.00$25.0010/5/2010 3:28:12 PM
green-ore-expert$50.00$50.0010/5/2010 3:29:04 PM
blitzen40$25.00$25.0010/5/2010 8:51:50 PM
inventive-exchange$25.00$25.0010/6/2010 2:07:13 AM
myutmost$50.00$50.0010/6/2010 9:14:17 AM
mrxtravis$31.23$31.2310/6/2010 10:57:47 AM
red-favorable-basis$25.00$25.0010/6/2010 2:44:42 PM
nowits10$25.00$25.0010/6/2010 2:44:46 PM
reinforced-revenue069$75.00$75.0010/6/2010 2:44:39 PM
_SCI_$25.00$25.0010/6/2010 3:16:36 PM
Moe87$25.00$25.0010/6/2010 3:30:18 PM
Mark-M$25.00$25.0010/6/2010 5:36:25 PM
skillful-asset5$30.00$30.0010/6/2010 7:19:16 PM
Kash2010lu$50.00$50.0010/6/2010 8:18:45 PM
feb217$35.00$35.0010/6/2010 8:21:55 PM
loanman2007$50.00$50.0010/7/2010 5:51:16 AM
Land_on_your_feet$50.00$50.0010/7/2010 4:03:45 AM
Income-Scout$101.99$101.9910/7/2010 6:19:06 AM
WonByOne$50.00$50.0010/7/2010 6:19:48 AM
NickRac$35.00$35.0010/7/2010 7:32:11 AM
autumn_leaves$25.00$25.0010/7/2010 5:49:13 AM
reflective-rupee$150.00$150.0010/7/2010 8:15:06 AM
mcgovern2024$25.00$25.0010/7/2010 8:41:12 AM
Lender12$400.00$400.0010/7/2010 9:44:23 AM
sturdy-peace9$75.00$75.0010/7/2010 9:54:05 AM
briskdevl07$25.00$25.0010/7/2010 10:12:16 AM
realtormoises$25.00$25.0010/7/2010 10:48:36 AM
boomer5$25.00$25.0010/7/2010 10:57:28 AM
houli123$150.00$150.0010/7/2010 9:08:42 AM
340$25.00$25.0010/7/2010 9:25:05 AM
gothampark$25.00$25.0010/7/2010 12:13:25 PM
loanermn$25.00$25.0010/7/2010 12:17:04 PM
credit-elation1$25.00$25.0010/7/2010 10:38:34 AM
SlickNick$25.00$25.0010/7/2010 12:38:20 PM
roadroamer$37.00$37.0010/7/2010 2:16:30 PM
payout-bridge$25.00$25.0010/7/2010 2:31:06 PM
CommunityArts_Non-profit$150.00$150.0010/7/2010 2:14:46 PM
fervent-power$25.00$25.0010/7/2010 1:18:01 PM
american-investor$32.20$32.2010/7/2010 1:19:31 PM
camer069$25.37$25.3710/7/2010 1:39:18 PM
fabulous-community4$25.00$25.0010/7/2010 2:06:07 PM
grampy48$50.00$50.0010/7/2010 2:08:52 PM
yield-lion2$25.00$25.0010/7/2010 2:13:30 PM
cablenews$25.00$25.0010/1/2010 10:48:49 AM
Skeptical-one$30.00$30.0010/1/2010 10:38:31 AM
mikeandcat$50.00$50.0010/1/2010 1:50:11 PM
papaloha$100.00$100.0010/3/2010 7:55:35 PM
Artist_Blue$25.00$25.0010/4/2010 1:35:10 PM
gold-channel2$30.60$30.6010/4/2010 3:51:51 PM
icecoldcash$30.00$30.0010/4/2010 4:27:57 PM
head$25.00$25.0010/5/2010 9:44:11 AM
graceful-investment$100.00$100.0010/5/2010 2:54:44 PM
euro-banker$50.00$50.0010/5/2010 2:54:42 PM
AF-Chief$35.00$35.0010/5/2010 9:28:34 PM
IIP77$25.00$25.0010/6/2010 1:10:03 AM
bulsa$50.00$50.0010/6/2010 4:37:53 AM
well-mannered-income3$40.00$40.0010/6/2010 8:11:21 AM
autumn_leaves$25.00$25.0010/6/2010 1:05:52 PM
contract-maracas$30.42$30.4210/6/2010 2:44:54 PM
sycamore4$50.00$17.6110/6/2010 2:44:56 PM
scout124$25.00$25.0010/6/2010 3:07:24 PM
return-grizzly$100.00$100.0010/6/2010 3:26:23 PM
genuine-integrity0$25.00$25.0010/6/2010 6:44:28 PM
SFBank$300.00$300.0010/6/2010 8:04:07 PM
DasMula$25.00$25.0010/6/2010 9:04:31 PM
autumn_leaves$25.00$25.0010/7/2010 5:48:26 AM
autumn_leaves$25.00$25.0010/7/2010 5:51:12 AM
NekHoldings$25.00$25.0010/7/2010 5:30:10 AM
Leshan$75.00$75.0010/7/2010 8:09:12 AM
chameleon125$50.00$50.0010/7/2010 6:26:08 AM
Astyanax$75.00$75.0010/7/2010 9:27:30 AM
TakeCare$50.00$50.0010/7/2010 9:44:17 AM
reflective-rupee$50.00$50.0010/7/2010 9:54:15 AM
vmh20035$40.00$40.0010/7/2010 11:28:10 AM
JauaFlash$38.27$38.2710/7/2010 10:12:31 AM
mikeandcat$50.00$50.0010/7/2010 10:16:03 AM
sgvending$26.81$26.8110/7/2010 11:42:30 AM
paqattack$25.00$25.0010/7/2010 10:30:34 AM
Lender12$125.00$125.0010/7/2010 9:43:52 AM
HomerdohNY$25.00$25.0010/7/2010 12:14:35 PM
lucrative-loan$75.00$75.0010/7/2010 1:27:52 PM
Brighter_Future$25.00$25.0010/7/2010 11:09:27 AM
aquistoyraul$25.00$25.0010/7/2010 11:49:05 AM
social-zebra$25.00$25.0010/7/2010 11:49:48 AM
Bob450$26.00$26.0010/7/2010 12:05:25 PM
money-fort$40.00$40.0010/7/2010 2:32:35 PM
lucrative-coin$62.50$62.5010/7/2010 1:57:40 PM
ddoneday$25.00$25.0010/7/2010 1:00:33 PM
supreme-hope$25.00$25.0010/7/2010 1:11:17 PM
101 bids
 
Borrower Payment Dependent Notes Series 462024
This series of Notes was issued and sold upon the funding of the borrower loan #44972, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-18-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $271.42
 
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): 4 First credit line: Feb-1988 Debt/Income ratio: 29%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,442Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: jrlrsh Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2010)
640-659 (Jan-2010)
640-659 (Oct-2009)
640-659 (Sep-2009)
 
Principal balance: $1,006.58 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?We need a new roof on our house and some other small jobs that we haven't been able to do.?

My financial situation:
I am a good candidate for this loan because?I pay my bills on time and sometimes early.? I have a Prosper loan that has been paid on time every month.?My boyfriend will be returning to work in November after being out of work for 2 1/2 years.

Monthly net income: $ 1900.

Monthly expenses: $
??Housing: $
??Insurance: $ 576.00
Car expenses: $ 100.00
??Utilities: $ 244.00
??Phone, cable, internet: $ 83.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??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: your income is small compared to your expenses. Is that incomed combined with your boyfriends - restless-dime
A: No, when he starts working on November 1, his income will be added to that to help pay the loan back. Thanks!!!! (Oct-15-2010)
Q: Why is your loan amount is bigger than your revolving credit balances? Any debts not listed in Prosper? Could you make certain that you can pay this loan back? Thanks, - p2ploan-sensation211
A: Yes, I can pay this loan amt back, my boyfriend is going back to work on November 1 and his salary will then be added to my income. This will be coming directly out of my checking account so IT will be paid. Thanks (Oct-17-2010)
Q: Hi, What are you & your boyfriend's jobs? How secure are your jobs? Is the house your mom's? If your boyfriend dislike his new job and quit, can you still afford to pay this loan? Thanks, - p2ploan-sensation211
A: I am an Office Manager for a outpatient physical therapy center. I have been there for 5 years. He will be the manager of a Saw shop and repair store. The house is his. Yes I can still afford to pay the loan off if he quits his job. (Oct-17-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0010/12/2010 9:48:10 AM
AlexTrep$50.00$50.0010/12/2010 10:14:09 AM
CommunityArts_Non-profit$55.00$55.0010/12/2010 3:36:02 PM
villagers$25.00$25.0010/12/2010 4:39:17 PM
NekHoldings$25.00$25.0010/12/2010 7:21:24 PM
LeverageLender$25.00$25.0010/12/2010 7:43:15 PM
realtormoises$25.00$25.0010/13/2010 11:34:45 AM
usaUmp$50.00$50.0010/13/2010 6:49:34 PM
retired272$25.00$25.0010/14/2010 11:14:34 AM
generous-deal6$25.00$25.0010/14/2010 2:57:45 PM
genuine-integrity0$25.00$25.0010/14/2010 5:08:40 PM
niceguy777$25.00$25.0010/14/2010 10:07:46 PM
Cash_Angel$25.00$25.0010/14/2010 7:43:02 PM
graceful-investment$52.30$52.3010/15/2010 11:12:18 AM
swoosh$25.00$25.0010/15/2010 3:16:34 PM
umwol13$25.00$25.0010/15/2010 3:31:08 PM
zone8$28.35$28.3510/15/2010 3:35:13 PM
red-favorable-basis$25.00$25.0010/15/2010 6:01:30 PM
return-grizzly$100.00$100.0010/15/2010 4:39:54 PM
Aberdeen$400.00$400.0010/15/2010 6:02:46 PM
WonByOne$25.00$25.0010/15/2010 8:52:25 PM
Bob450$25.00$25.0010/16/2010 8:45:50 AM
golffish2$100.00$100.0010/16/2010 5:42:10 AM
Iceman1347$25.00$25.0010/16/2010 11:58:55 AM
cash-tent$30.00$30.0010/16/2010 4:57:45 PM
tcbmc$25.00$25.0010/16/2010 1:31:48 PM
mikeandcat$50.00$50.0010/16/2010 8:22:57 PM
redhead21$50.00$50.0010/16/2010 3:53:26 PM
Robertd918$25.00$25.0010/17/2010 8:36:56 AM
jtc26$34.20$34.2010/17/2010 7:46:18 PM
golffish2$100.00$100.0010/18/2010 4:08:03 AM
pietro_torna_indietro$41.20$41.2010/17/2010 11:48:40 PM
SolarMoonshine$25.00$25.0010/18/2010 5:28:48 AM
prodigy525$25.00$25.0010/18/2010 6:44:29 AM
ronin4sale$25.00$25.0010/18/2010 6:02:16 AM
nethosters$25.00$25.0010/18/2010 6:49:28 AM
enthusiastic-balance5$200.00$200.0010/18/2010 6:05:19 AM
realestate6606$100.00$100.0010/18/2010 7:55:30 AM
moola-monger9$50.00$50.0010/18/2010 8:38:06 AM
brother_tam$50.00$50.0010/12/2010 9:52:02 AM
reflective-rupee$300.00$300.0010/12/2010 2:12:28 PM
UCLA4life$50.00$50.0010/12/2010 2:12:46 PM
lendstats_com$200.00$200.0010/12/2010 1:13:43 PM
worthy-bid8$25.00$25.0010/12/2010 5:24:16 PM
TakeCare$50.00$50.0010/13/2010 10:55:46 AM
well-mannered-income3$75.00$75.0010/13/2010 8:32:01 PM
bold-shrewd-duty$25.00$25.0010/14/2010 8:23:43 AM
nilonc1$150.00$150.0010/14/2010 2:05:52 PM
MarinLoans$25.00$25.0010/14/2010 2:58:09 PM
copper$27.70$27.7010/14/2010 4:42:46 PM
IIP77$25.00$25.0010/14/2010 2:58:12 PM
SFBank$300.00$300.0010/14/2010 7:18:33 PM
labyrinth0$26.57$26.5710/14/2010 4:44:25 PM
selector568$50.00$50.0010/14/2010 7:19:07 PM
DasMula$25.00$25.0010/14/2010 8:04:37 PM
lucrative-loan$100.00$100.0010/14/2010 7:18:48 PM
DasMula$25.00$25.0010/14/2010 8:04:54 PM
zone6$100.00$100.0010/15/2010 4:43:57 AM
kulender$51.12$51.1210/15/2010 10:07:58 AM
mikeandcat$100.00$100.0010/15/2010 7:31:56 AM
shawnw2$500.00$500.0010/15/2010 12:46:51 PM
JustMee$25.00$25.0010/15/2010 7:27:32 PM
unger$65.00$65.0010/15/2010 7:50:33 PM
b1geasy$39.06$39.0610/15/2010 9:03:40 PM
Kash2010lu$50.00$50.0010/15/2010 10:09:11 PM
head$25.00$25.0010/15/2010 5:47:40 PM
Aberdeen$400.00$400.0010/15/2010 6:02:48 PM
imoutdoorsy$25.00$25.0010/15/2010 5:32:01 PM
YoungTaxMan$305.37$305.3710/15/2010 8:20:26 PM
jwsun90$121.43$27.7610/15/2010 9:50:44 PM
fabulous-community4$25.00$25.0010/16/2010 2:27:23 AM
thatguyoverseas$26.23$26.2310/16/2010 7:40:10 AM
168RichCapital$25.00$25.0010/16/2010 8:24:58 AM
blitzen40$50.00$50.0010/16/2010 9:52:36 AM
wealth-samaritan2$25.00$25.0010/16/2010 6:10:59 AM
thankful-nickel2$25.00$25.0010/16/2010 11:34:45 AM
investment-artist$25.00$25.0010/16/2010 10:12:44 AM
larryboy10$25.00$25.0010/16/2010 8:42:35 PM
vine99$40.00$40.0010/17/2010 11:43:59 AM
chameleon125$100.00$100.0010/17/2010 9:14:16 AM
preventivepestcontrol$50.00$50.0010/17/2010 8:10:01 PM
tech310$50.00$50.0010/18/2010 1:03:46 AM
hookUup$50.00$50.0010/17/2010 7:08:55 PM
gothampark$25.00$25.0010/17/2010 7:50:15 PM
autonomous-power$50.00$50.0010/18/2010 6:16:58 AM
MoneyTree79$25.00$25.0010/18/2010 5:43:11 AM
Jinja$25.14$25.1410/18/2010 7:54:40 AM
TakeCare$50.00$50.0010/18/2010 8:21:00 AM
88 bids
 
Borrower Payment Dependent Notes Series 478554
This series of Notes was issued and sold upon the funding of the borrower loan #44964, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $267.11
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 29.52% Final monthly payment: $261.89
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.42%  
Lender servicing fee: 1.00% Estimated return: 13.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2003 Debt/Income ratio: 22%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,053Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: diligent-bid2 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 credits cards at once
Purpose of loan:
To finally pay off these blasted credit cards once and for all.

My financial situation:
I am a good candidate for this loan because I am dedicated to getting rid of this nonsense debt. I have a great job and secured it recently by getting my state license. I have never missed a payment and I am in great standing with all my creditors. I basically would rather just pay off my cards now and only have to worry about one payment a month.

Monthly net income: $ 3,200 to 4,000

Monthly expenses: $
??Housing: $ 600.00
??Insurance: $ 96.00 ????
??Car expenses: $ 50.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0010/8/2010 3:27:01 PM
penny-plato$25.00$25.0010/8/2010 3:37:16 PM
debtcollector$50.00$50.0010/8/2010 4:55:26 PM
the-stylish-euro$25.00$25.0010/8/2010 4:13:01 PM
katnmouse$25.00$25.0010/9/2010 2:36:08 PM
godfather4u$50.00$50.0010/9/2010 8:11:49 AM
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AM2171$25.00$25.0010/15/2010 3:10:50 PM
124 bids
 
Borrower Payment Dependent Notes Series 478838
This series of Notes was issued and sold upon the funding of the borrower loan #44978, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-19-2010 
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $510.12
Final lender yield: 12.65% Final borrower rate/APR: 13.65% / 15.80% Final monthly payment: $510.12
 
Auction yield range: 5.71% - 12.65% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1987 Debt/Income ratio: 13%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:25y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,963Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: scholarly-credit3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
800-819 (Jan-2010)
 
Principal balance: $3,982.56 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Home Improvements
Purpose of loan:
This loan will be used to make home improvements in order to sell our house. As the children are leaving we intend to sell and downsize.?After the sale we will be able to live in a rental house we currently own.?This loan will enable us to paint, refinish floors, and update some fixtures and appliances to make our home appealing to buyers. As everyone knows in order to sell your home these days you need to be in tip top shape and look sharp. This will help to do so.

My financial situation:
I am a good candidate for this loan because I have a?solid position at my company, have been there for 25+ years.?

Monthly net income: $ 9000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, How soon do you think the house will be sold? If it is not sold soon, will you still able to pay the loan? From your monthly income/expenses, it looks as you should have leftover a lot every month, why borrow? Thanks, - p2ploan-sensation211
A: I think the house will sell fairly soon, will be putting it on the market in the spring. If it does not we will still be able to make the payments but do intend to keep the house on the market untill it sells. (Oct-19-2010)
Q: Hi, are you able to get a home equity line of credit? Thanks. - interest88
A: I have not tried the home equity route, but would think I could. I prefer to stay with prosper instead of the large banks. Much easier and better use of time and money. I intend on paying this off earlier than 3 years as well. Sorry for the late answer, I was not awake. (Oct-19-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$100.00$100.0010/12/2010 9:44:46 AM
radforj22$25.00$25.0010/12/2010 9:46:25 AM
papaloha$25.00$25.0010/12/2010 9:46:57 AM
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Gabriel02$25.00$25.0010/12/2010 9:47:54 AM
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jdwillcox$50.00$50.0010/12/2010 9:59:45 AM
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jazzlender$25.00$25.0010/12/2010 9:58:16 AM
6moonbeams$200.00$200.0010/12/2010 10:09:50 AM
ferocious-camaraderi1$100.00$100.0010/12/2010 10:10:37 AM
alpinaut$25.00$25.0010/12/2010 10:12:19 AM
mjunlimited$50.00$50.0010/12/2010 10:15:21 AM
enthusiastic-balance5$100.00$100.0010/12/2010 10:16:48 AM
efficient-treasure0$25.00$25.0010/12/2010 10:14:59 AM
loan-mammal$25.00$25.0010/12/2010 10:18:21 AM
crenen139$25.00$25.0010/12/2010 10:31:17 AM
worthy-bid8$47.26$47.2610/12/2010 11:18:47 AM
platinum-hunter7$60.00$60.0010/12/2010 1:55:33 PM
blue-useful-auction$25.00$25.0010/12/2010 4:34:00 PM
MadHun$75.00$75.0010/12/2010 4:13:06 PM
handshake5$100.00$100.0010/13/2010 9:50:08 AM
bold-shrewd-duty$50.00$50.0010/13/2010 10:17:49 AM
the-profit-oracle$25.00$25.0010/13/2010 9:43:59 AM
DDPrime$100.00$100.0010/13/2010 3:17:32 PM
integrityisnumone$25.00$25.0010/13/2010 3:18:13 PM
agiovasil$25.00$25.0010/13/2010 3:23:13 PM
taurusco$50.00$50.0010/13/2010 4:53:12 PM
graceful-investment$26.73$26.7310/13/2010 5:48:36 PM
GElender$50.00$50.0010/14/2010 7:54:47 AM
larrybird$50.00$50.0010/14/2010 8:13:28 AM
Investoman$25.00$25.0010/14/2010 11:15:07 AM
brother_tam$50.00$50.0010/14/2010 12:33:13 PM
maldok1$25.00$25.0010/14/2010 1:14:30 PM
EricLender$25.00$25.0010/15/2010 7:37:18 AM
ray1051$25.00$25.0010/15/2010 6:30:47 AM
tsui517$25.00$25.0010/15/2010 11:11:40 AM
harmonious-moola7$50.00$50.0010/15/2010 3:01:38 PM
soheagle$50.00$50.0010/15/2010 3:04:06 PM
dcap3$50.00$50.0010/15/2010 3:46:58 PM
dpdn57$25.00$25.0010/15/2010 3:04:41 PM
Bendistraw$50.00$50.0010/15/2010 5:19:44 PM
NiceNate$50.00$50.0010/15/2010 5:18:39 PM
eloquent-dough5$25.00$25.0010/15/2010 5:20:48 PM
green-planet-guy$31.00$31.0010/15/2010 5:44:26 PM
cash-boots$25.00$25.0010/15/2010 8:09:13 PM
mtquan$25.00$25.0010/16/2010 4:28:45 AM
wealth-carrier$25.00$25.0010/16/2010 7:14:46 AM
gallant-economy9$62.46$62.4610/16/2010 7:15:01 AM
adir1$25.00$25.0010/16/2010 11:34:44 AM
zaxsan$50.00$50.0010/16/2010 7:13:53 AM
ericgassercom$50.00$50.0010/16/2010 7:14:43 AM
money-bauble$57.37$57.3710/16/2010 2:33:06 PM
RMB-Investments$50.00$50.0010/16/2010 4:38:18 PM
special-currency6$50.00$50.0010/17/2010 8:53:18 AM
schpere$100.00$100.0010/17/2010 8:49:34 AM
teller$50.00$50.0010/17/2010 1:02:53 PM
dignified-euro8$25.00$25.0010/17/2010 9:50:01 AM
Goodthing$100.00$100.0010/17/2010 1:58:11 PM
dobied$25.00$25.0010/17/2010 8:07:44 PM
greenback-ally$50.00$50.0010/17/2010 7:34:18 PM
blackstar$25.00$25.0010/18/2010 4:38:06 AM
MrX$25.00$25.0010/18/2010 5:51:38 AM
commonsenseman$25.00$25.0010/18/2010 6:14:18 AM
mobius_titan$25.00$25.0010/18/2010 6:19:03 AM
wings2fly$25.00$25.0010/18/2010 4:13:04 AM
p2ploan-charmer$25.00$25.0010/18/2010 4:33:55 AM
triumph329$50.00$50.0010/18/2010 6:17:20 AM
corporealfunk$50.00$50.0010/18/2010 7:24:28 AM
foxhunter$25.00$25.0010/18/2010 6:17:55 AM
grue$50.00$50.0010/18/2010 7:24:33 AM
j2ee$25.00$25.0010/18/2010 7:02:48 AM
bomdel$25.00$25.0010/18/2010 8:05:29 AM
honorable-yield$35.00$35.0010/18/2010 7:13:42 AM
Pookie22$50.00$50.0010/18/2010 8:13:42 AM
relentless-gain7$50.00$50.0010/18/2010 8:47:57 AM
ashot12$25.00$25.0010/18/2010 8:29:56 AM
excellent-nickel$50.00$50.0010/18/2010 8:30:45 AM
Clambake$50.00$50.0010/18/2010 9:45:09 AM
listing-meridian$100.00$100.0010/18/2010 9:33:58 AM
income-titan8$30.00$30.0010/18/2010 10:28:51 AM
credit-guard5$25.00$25.0010/18/2010 9:58:38 AM
Ready2Loan$25.00$25.0010/18/2010 11:16:51 AM
nicklds$25.00$25.0010/18/2010 11:23:05 AM
yennib$50.00$50.0010/18/2010 11:32:51 AM
mla$25.00$25.0010/18/2010 10:28:15 AM
upbeat-investment9$152.45$152.4510/18/2010 12:52:18 PM
logical-kindness0$25.00$25.0010/18/2010 11:32:52 AM
PCGeekWI$25.00$25.0010/18/2010 1:37:59 PM
orderly-leverage$50.00$50.0010/18/2010 11:33:07 AM
anton$1,500.00$1,500.0010/18/2010 2:01:16 PM
return-elm$32.00$32.0010/18/2010 12:34:29 PM
tearingstar$25.00$25.0010/18/2010 12:40:46 PM
Interloper$35.00$35.0010/18/2010 2:37:48 PM
liberty-carnival$25.00$25.0010/18/2010 12:19:31 PM
streak269$25.00$25.0010/18/2010 12:41:03 PM
wampum-chorus3$25.00$25.0010/18/2010 1:13:01 PM
payout-reaction740$25.00$25.0010/18/2010 2:05:28 PM
beachbum22$25.00$25.0010/18/2010 3:40:25 PM
smallfry$25.00$25.0010/18/2010 3:19:05 PM
dollar-grid$25.00$25.0010/18/2010 3:42:24 PM
EvalCrux$50.00$50.0010/18/2010 3:43:33 PM
jlofgren$25.00$25.0010/18/2010 3:28:32 PM
Hexamond$50.00$50.0010/18/2010 3:50:28 PM
pennyman$25.00$25.0010/18/2010 3:58:44 PM
brilliant-revenue$25.00$25.0010/18/2010 4:30:40 PM
proper-revenue7$45.00$45.0010/18/2010 4:40:28 PM
green-unassailable-investment$25.00$25.0010/18/2010 3:50:14 PM
upright-asset2$25.00$25.0010/18/2010 4:59:47 PM
payment-hawk$25.00$25.0010/18/2010 4:39:06 PM
reflective-rupee$500.00$500.0010/18/2010 5:15:20 PM
mgking007$50.00$50.0010/18/2010 5:24:02 PM
bold-social-advantage$100.00$100.0010/18/2010 6:38:16 PM
lucrative-durability$25.00$25.0010/18/2010 5:52:00 PM
Johnab$25.00$25.0010/18/2010 6:44:53 PM
BankShark$25.00$25.0010/18/2010 7:48:14 PM
TakeCare$40.00$40.0010/18/2010 7:53:37 PM
AustinAmerica$25.00$25.0010/18/2010 10:06:14 PM
Loansforlife$25.00$25.0010/18/2010 8:40:07 PM
penny-plato$50.00$50.0010/18/2010 10:02:11 PM
gilbrear$25.00$25.0010/19/2010 3:38:06 AM
wonderous-power$25.00$25.0010/19/2010 5:38:02 AM
Shanester$25.00$25.0010/19/2010 6:56:09 AM
patriot897$28.27$28.2710/19/2010 9:08:31 AM
277 bids
 
Borrower Payment Dependent Notes Series 478946
This series of Notes was issued and sold upon the funding of the borrower loan #44956, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Oct-13-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.15% Final monthly payment: $67.85
 
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: Dec-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 9 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,310Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: wonderful-note23 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
buying accounts
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
agiovasil$25.00$25.0010/13/2010 3:16:55 PM
worthy-bid8$25.00$25.0010/19/2010 10:05:19 AM
villagers$25.00$25.0010/19/2010 11:13:53 AM
inspiring-reward$100.00$100.0010/19/2010 11:18:54 AM
bold-shrewd-duty$25.00$25.0010/19/2010 4:11:53 PM
copper$50.00$50.0010/19/2010 4:12:15 PM
famous-bill$25.00$25.0010/19/2010 4:12:27 PM
Cash_Angel$25.00$25.0010/19/2010 4:13:47 PM
tjone69$42.46$42.4610/19/2010 4:14:13 PM
Anny-Disco$25.00$25.0010/19/2010 4:15:03 PM
generous-deal6$25.00$25.0010/19/2010 4:11:52 PM
p2ploan-charmer$25.00$25.0010/19/2010 4:12:10 PM
truth-magma$25.00$25.0010/19/2010 4:12:11 PM
icecoldcash$30.00$30.0010/19/2010 4:13:26 PM
IIP77$25.00$25.0010/19/2010 4:10:49 PM
MarinLoans$25.00$25.0010/19/2010 4:11:49 PM
leverage-hawk$25.00$25.0010/19/2010 4:12:09 PM
valiant-liberty4$25.00$25.0010/19/2010 4:15:58 PM
euro-banker$50.00$50.0010/19/2010 7:08:11 PM
data2360$50.00$50.0010/19/2010 7:08:10 PM
carrinel$78.16$78.1610/20/2010 7:36:03 AM
TakeCare$50.00$50.0010/13/2010 3:06:15 PM
loan-kung-fu$25.00$25.0010/18/2010 3:24:10 AM
graceful-investment$100.00$100.0010/19/2010 11:19:38 AM
helping-out$125.00$125.0010/19/2010 11:42:14 AM
wampum-chorus3$25.00$25.0010/19/2010 4:10:04 PM
well-mannered-marketplace5$25.00$25.0010/19/2010 4:12:13 PM
liberty-revelry2$25.00$25.0010/19/2010 4:13:45 PM
Comoparklender$25.00$25.0010/19/2010 4:10:35 PM
the-upbeat-p2p$50.00$50.0010/19/2010 4:12:02 PM
majestic-principal1$50.00$50.0010/19/2010 4:12:07 PM
LOLgivin_monies$25.00$25.0010/19/2010 4:08:36 PM
zone8$50.00$50.0010/19/2010 4:13:35 PM
SolarMoonshine$25.00$25.0010/19/2010 4:53:48 PM
larryboy10$25.00$25.0010/19/2010 6:32:58 PM
puifais$25.00$25.0010/19/2010 4:57:50 PM
visionary-currency$40.82$40.8210/19/2010 7:05:35 PM
jennifer55126$25.00$25.0010/19/2010 7:08:09 PM
money-bauble$44.16$8.5610/19/2010 7:20:46 PM
Bob450$25.00$25.0010/20/2010 8:45:42 AM
40 bids
 
Borrower Payment Dependent Notes Series 479050
This series of Notes was issued and sold upon the funding of the borrower loan #44979, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,300.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 32.10% Starting monthly payment: $53.42
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 31.59% Final monthly payment: $53.07
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.45%  
Lender servicing fee: 1.00% Estimated return: 14.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1989 Debt/Income ratio: 36%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,973Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: red-golden-felicity6 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit card
Purpose of loan:
This loan will be used to?
pay off my American Express account in full.
My financial situation:
I am a good candidate for this loan because I pay my bills on time and do not want added interest charges.?

Monthly net income: $
$3200 plus 1300 rent
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 236
??Car expenses: $80 a month gas?
??Utilities: $ 260 electric
??Phone, cable, internet: $ 100
??Food, entertainment: $ 240
??Clothing, household expenses $ 225
??Credit cards and other loans: $ 145
??Other expenses: $ 50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0010/12/2010 9:52:01 AM
preventivepestcontrol$50.00$50.0010/12/2010 11:44:10 AM
platinum-hunter7$30.00$30.0010/12/2010 1:45:17 PM
trade-goblin9$25.00$25.0010/12/2010 11:29:51 AM
reflective-rupee$25.00$25.0010/12/2010 1:39:34 PM
SolarMoonshine$25.00$25.0010/12/2010 5:53:26 PM
penny-plato$25.00$25.0010/12/2010 5:32:26 PM
Little_Tuna_College_Fund$50.00$50.0010/13/2010 8:42:22 PM
Little_Tuna_College_Fund$50.00$50.0010/13/2010 8:42:53 PM
shellstar$30.00$30.0010/14/2010 10:17:18 AM
reflective-rupee$75.00$75.0010/14/2010 11:44:36 AM
hookUup$50.00$50.0010/14/2010 5:33:49 PM
SFBank$200.00$200.0010/14/2010 7:12:01 PM
Free-the-usa-1776$25.00$25.0010/14/2010 11:11:12 PM
cashhelp$50.00$50.0010/15/2010 10:45:11 AM
wlm3012$25.00$25.0010/15/2010 9:19:21 AM
RochelleW$25.00$25.0010/15/2010 11:48:13 AM
bold-attentive-listing$25.00$25.0010/12/2010 10:09:07 AM
tech310$50.00$50.0010/12/2010 3:17:01 PM
leverage-monger$25.00$25.0010/13/2010 11:39:41 AM
Joshua_E$25.00$25.0010/13/2010 11:44:55 AM
Onlyhappycustomers$25.00$25.0010/13/2010 6:37:24 PM
Little_Tuna_College_Fund$50.00$50.0010/13/2010 8:41:51 PM
ethicalhumanist$50.00$50.0010/14/2010 11:22:23 AM
FinanceEngine$25.00$25.0010/14/2010 9:12:24 AM
bold-dynamic-silver$25.00$25.0010/14/2010 1:56:54 PM
calbertrand$25.00$25.0010/14/2010 5:06:30 PM
Reliance_Banker$25.00$25.0010/14/2010 8:35:34 PM
kendigme$36.10$36.1010/15/2010 3:52:43 AM
octoberfresh$25.00$25.0010/15/2010 11:28:19 AM
Katzenjammer$25.00$25.0010/15/2010 10:41:24 AM
2grindstones$25.00$25.0010/15/2010 10:49:11 AM
SeeksValue$25.00$3.9010/15/2010 12:16:50 PM
scoobiedoo$25.00$25.0010/15/2010 2:18:48 PM
34 bids
 
Borrower Payment Dependent Notes Series 479240
This series of Notes was issued and sold upon the funding of the borrower loan #44975, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-19-2010 
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $204.05
Final lender yield: 12.65% Final borrower rate/APR: 13.65% / 15.80% Final monthly payment: $204.05
 
Auction yield range: 5.71% - 12.65% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1986 Debt/Income ratio: 12%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,217Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: highroi Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 21 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
720-739 (Sep-2009)
660-679 (Apr-2008)
660-679 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Investment
Purpose of loan:
This loan will be used to invest in credit spreads. See http://www.5percentperweek.com
My financial situation:
I am a good candidate for this loan because my income is more than sufficient to make the monthly payments.

Monthly net income: $ 2500

Monthly expenses: $1270
??Housing: $600
??Insurance: $50
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $120
??Food, entertainment: $400
??Clothing, household expenses $100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rescue$100.00$100.0010/12/2010 9:44:55 AM
radforj22$25.00$25.0010/12/2010 9:46:36 AM
Gabriel02$25.00$25.0010/12/2010 9:48:08 AM
authentic-liberty7$25.00$25.0010/12/2010 9:50:33 AM
DRA-Properties$25.00$25.0010/12/2010 9:57:18 AM
jazzlender$25.00$25.0010/12/2010 9:58:26 AM
mike_banker$50.00$50.0010/12/2010 9:59:36 AM
jdwillcox$50.00$50.0010/12/2010 9:59:57 AM
studious-bonus7$100.00$100.0010/12/2010 9:57:49 AM
kmr2$200.00$200.0010/12/2010 10:00:54 AM
escharfer$25.00$25.0010/12/2010 10:03:02 AM
JohnGalt79$100.00$100.0010/12/2010 10:01:54 AM
greentomato$25.00$25.0010/12/2010 10:04:34 AM
cybernosha$25.00$25.0010/12/2010 10:05:50 AM
bountiful-durability$100.00$100.0010/12/2010 9:57:01 AM
mla$25.00$25.0010/12/2010 10:15:51 AM
alpinaut$25.00$25.0010/12/2010 10:16:12 AM
greenback-bull6$50.00$50.0010/12/2010 10:19:57 AM
Beeeej$25.00$25.0010/12/2010 10:27:08 AM
WSTRDG$50.00$50.0010/12/2010 10:10:20 AM
mjunlimited$50.00$50.0010/12/2010 10:15:14 AM
natural-greenback6$25.00$25.0010/12/2010 10:18:11 AM
preventivepestcontrol$50.00$50.0010/12/2010 11:36:48 AM
payout-achievement$100.00$100.0010/12/2010 10:19:17 AM
jigsaw$100.00$100.0010/12/2010 10:26:19 AM
Interstate_Rate$100.00$100.0010/12/2010 12:38:50 PM
platinum-hunter7$25.00$25.0010/12/2010 1:34:17 PM
blue-useful-auction$25.00$25.0010/12/2010 4:21:26 PM
cpbreton$25.00$25.0010/13/2010 9:40:11 AM
efficient-treasure0$25.00$25.0010/13/2010 10:22:49 AM
asset-equilibrium0$50.00$50.0010/13/2010 12:28:22 PM
hookUup$25.00$25.0010/13/2010 1:26:09 PM
SelectTrustLending$25.00$25.0010/13/2010 2:28:29 PM
a-finance-nirvana$25.00$25.0010/13/2010 6:37:42 PM
williemc44$50.00$50.0010/13/2010 7:39:32 PM
Sevron$100.00$100.0010/14/2010 10:28:03 AM
maldok1$25.00$25.0010/14/2010 1:13:12 PM
larrybird$150.00$135.8910/14/2010 1:22:56 PM
penny-plato$25.00$25.0010/14/2010 2:17:15 PM
outofoffice$75.00$75.0010/14/2010 2:58:43 PM
JGuide$26.10$26.1010/14/2010 9:34:28 PM
FinDoc$25.00$25.0010/15/2010 11:08:13 AM
Soulphoniks-Holdings$50.00$50.0010/15/2010 11:13:06 AM
ethicalhumanist$50.00$50.0010/15/2010 1:25:57 PM
Goodthing$150.00$150.0010/17/2010 1:56:52 PM
ronin4sale$25.00$25.0010/18/2010 7:05:19 AM
Lender0307$25.00$25.0010/18/2010 10:18:34 AM
Mindful7$25.00$25.0010/18/2010 10:23:50 AM
rmpedi33$50.00$50.0010/18/2010 3:27:34 PM
cash-tent$25.00$25.0010/18/2010 3:41:53 PM
jescowa$50.00$50.0010/18/2010 3:43:55 PM
icon7$30.00$30.0010/18/2010 5:19:09 PM
Bufordo$50.00$50.0010/18/2010 6:25:04 PM
kander80$25.00$25.0010/18/2010 7:58:05 PM
Loansforlife$25.00$25.0010/18/2010 8:40:09 PM
jpblan11$25.00$25.0010/19/2010 3:59:24 AM
Weaverville$50.00$50.0010/12/2010 9:47:26 AM
papaloha$100.00$100.0010/12/2010 9:49:38 AM
generous-deal6$50.00$50.0010/12/2010 9:52:54 AM
tolerant-dinero2$25.00$25.0010/12/2010 10:03:21 AM
ichibon$150.00$150.0010/12/2010 10:03:41 AM
murph0025$40.00$40.0010/12/2010 10:08:18 AM
bambampk$25.00$25.0010/12/2010 10:07:02 AM
moola-wildebeest3$50.00$50.0010/12/2010 10:12:49 AM
delicious-social132$50.00$50.0010/12/2010 10:08:41 AM
objective-investor$100.00$100.0010/12/2010 10:01:40 AM
bowdish1$50.00$50.0010/12/2010 10:02:16 AM
itnAAnti$25.00$25.0010/12/2010 10:15:08 AM
tntmojave$25.00$25.0010/12/2010 10:04:09 AM
enthusiastic-balance5$100.00$100.0010/12/2010 10:16:51 AM
loan-mammal$25.00$25.0010/12/2010 10:18:26 AM
6moonbeams$200.00$200.0010/12/2010 10:10:01 AM
jeg3k$50.00$50.0010/12/2010 10:28:26 AM
fairness-kayak$25.00$25.0010/12/2010 10:13:21 AM
tranquil-return4$25.00$25.0010/12/2010 10:13:45 AM
crenen139$25.00$25.0010/12/2010 10:31:27 AM
Artist_Blue$25.00$25.0010/12/2010 3:23:35 PM
forthright-dedication$50.00$50.0010/12/2010 3:53:43 PM
MadHun$75.00$75.0010/12/2010 4:13:13 PM
worthy-bid8$50.00$50.0010/12/2010 5:17:48 PM
integrity-samaritan$25.00$25.0010/12/2010 5:31:31 PM
JustMee$25.00$25.0010/12/2010 9:28:31 PM
ptjg$50.00$50.0010/12/2010 11:05:06 PM
bid-czar8$50.00$50.0010/13/2010 2:57:55 AM
the-upbeat-p2p$41.13$41.1310/13/2010 8:03:01 AM
handshake5$100.00$100.0010/13/2010 9:50:16 AM
loyalist1$100.00$100.0010/13/2010 9:03:14 AM
haplender$50.00$50.0010/13/2010 12:38:53 PM
TakeCare$80.00$80.0010/13/2010 10:54:19 AM
taurusco$50.00$50.0010/13/2010 4:53:04 PM
tech310$50.00$50.0010/13/2010 8:03:38 PM
ferocious-camaraderi1$36.37$36.3710/13/2010 6:58:57 PM
MoneyForNothing$39.44$39.4410/13/2010 7:24:28 PM
oskizzle$25.00$25.0010/14/2010 6:58:41 AM
shmb6508$100.00$100.0010/14/2010 8:17:39 AM
jc33148$25.00$25.0010/14/2010 9:33:19 AM
GElender$50.00$50.0010/14/2010 7:54:59 AM
bold-social-advantage$75.00$75.0010/14/2010 6:14:07 PM
respectful-integrity3$25.00$25.0010/15/2010 2:09:27 PM
thankful-nickel2$25.00$25.0010/16/2010 11:33:22 AM
AK49-JW$30.00$30.0010/16/2010 11:09:44 PM
Alittleluck$25.00$25.0010/17/2010 6:23:44 PM
loanman2007$125.00$125.0010/18/2010 5:14:06 AM
TakeCare$50.00$50.0010/18/2010 8:34:24 AM
credit-guard5$25.00$25.0010/18/2010 10:15:48 AM
JeramyU$50.00$50.0010/18/2010 10:19:52 AM
BlessedEveryDay$28.00$28.0010/18/2010 12:28:29 PM
FundMaker$25.00$25.0010/18/2010 11:39:17 AM
Astyanax$100.00$100.0010/18/2010 2:24:22 PM
brightest-fascinating-principal$25.00$25.0010/18/2010 3:21:04 PM
RecoveryLender$25.00$25.0010/18/2010 5:09:01 PM
hookUup$100.00$100.0010/18/2010 5:36:26 PM
mgking007$50.00$50.0010/18/2010 5:23:39 PM
Feyenoord$25.00$25.0010/18/2010 9:26:06 PM
Personal-Bond$38.07$38.0710/19/2010 1:48:07 AM
jybank$25.00$25.0010/18/2010 9:32:36 PM
Barky52$25.00$25.0010/19/2010 2:48:13 AM
Stek7$25.00$25.0010/19/2010 6:28:35 AM
118 bids
 
Borrower Payment Dependent Notes Series 479260
This series of Notes was issued and sold upon the funding of the borrower loan #44984, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-19-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 40.68% Starting monthly payment: $44.87
Final lender yield: 29.00% Final borrower rate/APR: 30.00% / 36.16% Final monthly payment: $42.45
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 13.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1980 Debt/Income ratio: 31%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 12Length of status:12y 1m
Amount delinquent: $56 Total credit lines: 39 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,993Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: impressive-pound953 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Repairs
Purpose of loan:
This loan will be used to pay for car repairs.

My financial situation:
I am a good candidate for this loan because?
My main intention is not to charge on my revolving credit cards so I can pay down my debit on revolving cards, close some of these accounts?and?maintain?a fair rating with credit bureaus at the same time. My pending upcoming expenses will be a hardship for me due to my monthly expenses?(paying monthly revolving credit cards) ?In addition I have had steady employment for many years.
Monthly net income: $ 1700.00

Monthly expenses: $
??Housing: $ 645.00
??Insurance: $ 56.00
??Car expenses: $ 20.00
??Utilities: $?75.00
??Phone, cable, internet: $?65.00??Food, entertainment: $ 120.00
??Clothing, household expenses $?50.00??Credit cards and other loans: $?550.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
dynamic-platinum$50.00$50.0010/13/2010 3:06:52 PM
ethicalhumanist$25.00$25.0010/14/2010 11:28:02 AM
Jinja$25.00$25.0010/14/2010 2:42:48 PM
hookUup$100.00$100.0010/14/2010 6:04:33 PM
cashhelp$50.00$50.0010/15/2010 10:45:13 AM
aztocas$25.00$25.0010/16/2010 7:59:41 AM
bst$28.40$28.4010/16/2010 9:16:16 AM
vine99$40.00$40.0010/17/2010 11:57:02 AM
Jeddy$25.00$25.0010/17/2010 2:27:48 PM
towering-dinero$25.00$25.0010/18/2010 3:11:07 PM
Bob450$25.00$25.0010/19/2010 8:19:08 AM
Lubava$25.00$25.0010/19/2010 1:57:08 PM
moola-monger9$50.00$50.0010/19/2010 2:56:31 PM
ultimate-peace$150.00$150.0010/19/2010 2:58:12 PM
Moe87$25.00$25.0010/19/2010 3:13:22 PM
loyalist1$50.00$50.0010/13/2010 8:58:58 AM
stephen_c01$25.00$25.0010/13/2010 11:43:23 PM
awesome-silver$130.00$130.0010/18/2010 7:32:06 PM
REITRUST$25.00$25.0010/19/2010 6:52:47 AM
social-zebra$30.00$30.0010/19/2010 10:35:36 AM
best-listing-toro$25.00$15.6310/19/2010 10:46:07 AM
Bidwinner08$30.97$30.9710/19/2010 1:23:44 PM
drmoney11$25.00$25.0010/19/2010 3:06:18 PM
23 bids
 
Borrower Payment Dependent Notes Series 479412
This series of Notes was issued and sold upon the funding of the borrower loan #44966, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-14-2010 
  Auction end date:  Oct-16-2010 
 
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): 9 First credit line: Jun-2001 Debt/Income ratio: 18%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,677Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: dummypants Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I want to be debt free!
Hello there! I am applying for this loan in order to become debt-free (other than my car). I paid down about 10k in debt over the last year by putting myself on a strict payoff plan for each card/loan and I was extremely successful. I was well on my way to paying the final 5k down but my boyfriend (of 9 years) was laid off last month. So now, I have had to step up to help him where I can, and I can't make the larger payments (300-400 dollars per month) I was putting toward my cards (at 20% and higher) each month. I don't want to revert to paying minimums on my cards because then I will be spinning my wheels and not accomplishing my goal.

I believe I am a good candidate for this loan because I have a great credit history, that I have worked very hard to acheive. Paying less than 200 per month towards the cards via this loan would be totally manageable and would get me out of debt much quicker than I am anticipating now. We have had friends who are extremely talented and well educated take 6+ months to find a new job. The main thing I want to avoid is falling back on credit cards in order to help my boyfriend out of his hole. He is my partner and I know he would help me, no questions asked, so I am here to help him - I just don't want to get myself in trouble in order to do so. We have already made cutbacks in other areas as well, in order to get through this time.

Here are my current stats:

Monthly net income: $ 3942

Monthly expenses: $
Housing: $ 600
Insurance: $ 100
Car expenses: $ 450
Utilities: $ 150
Phone, cable, internet: $ 120
Food, entertainment: $ 250
Clothing, household expenses $ 150 (primarily $100 for prescription dog food
Credit cards and other loans: $ 350
Other expenses: $ 400

For the time being, I will be taking on all of my boyfriend's expenses, which are similar to mine, that he will not be able to cover with unemployment.

Thank you for your time and consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Is this $5,000 on one card? If so, what is the interest rate on it? Thanks. - tuxedo76
A: No it is 3000 on 1 and 1000 a piece on 2 others. The interest rates vary from 19-24%. If it were on 1 card, I would be hounding them to reduce my interest rate so that I would not need a loan. :) I have actually contacted all 3 companies several times over the last 18 months to reduce my rate, to no avail. (Oct-15-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alpinaut$25.00$25.0010/14/2010 2:11:21 PM
tsg2007$25.00$25.0010/14/2010 2:17:08 PM
jdwillcox$50.00$50.0010/14/2010 2:19:00 PM
objective-investor$100.00$100.0010/14/2010 2:19:49 PM
jeg3k$50.00$50.0010/14/2010 2:22:29 PM
crenen139$25.00$25.0010/14/2010 2:22:35 PM
kmr2$200.00$200.0010/14/2010 2:19:42 PM
Sevron$100.00$100.0010/14/2010 2:26:13 PM
Gabriel02$25.00$25.0010/14/2010 2:11:42 PM
nunnie$25.00$25.0010/14/2010 2:21:56 PM
GElender$50.00$50.0010/14/2010 2:25:43 PM
larrybird$150.00$150.0010/14/2010 2:27:00 PM
DRA-Properties$25.00$25.0010/14/2010 2:18:40 PM
JohnGalt79$100.00$100.0010/14/2010 2:20:08 PM
ichibon$150.00$150.0010/14/2010 2:20:55 PM
tntmojave$25.00$25.0010/14/2010 2:21:06 PM
bambampk$25.00$25.0010/14/2010 2:21:34 PM
TakeCare$80.00$80.0010/14/2010 2:24:28 PM
RandyL3$25.00$25.0010/14/2010 2:24:59 PM
roux$25.00$25.0010/14/2010 2:25:40 PM
tolerant-dinero2$25.00$25.0010/14/2010 2:26:19 PM
palmdelino$25.00$25.0010/14/2010 7:36:31 PM
thrilling-nickel5$26.00$26.0010/15/2010 6:09:35 AM
jazzlender$25.00$25.0010/15/2010 1:40:14 AM
money-explorer3$25.00$25.0010/15/2010 8:08:17 AM
orgy63$50.00$50.0010/15/2010 8:39:47 AM
mjunlimited$50.00$50.0010/15/2010 10:48:27 AM
eloquent-bill6$25.00$25.0010/15/2010 9:32:45 AM
escharfer$25.00$25.0010/15/2010 11:13:00 AM
RochelleW$63.00$63.0010/15/2010 11:52:07 AM
jga516$25.00$25.0010/15/2010 11:28:00 AM
gaoche$50.00$50.0010/15/2010 2:25:13 PM
Golf34$50.00$50.0010/15/2010 12:29:18 PM
tomdooley12520$25.00$25.0010/15/2010 4:08:50 PM
bold-social-advantage$75.00$75.0010/15/2010 10:37:50 PM
wa_boarder$25.00$25.0010/16/2010 12:34:18 AM
radforj22$25.00$25.0010/14/2010 2:11:35 PM
SelectTrustLending$25.00$25.0010/14/2010 2:12:21 PM
ethicalhumanist$50.00$50.0010/14/2010 2:13:32 PM
rescue$50.00$50.0010/14/2010 2:11:09 PM
Weaverville$50.00$50.0010/14/2010 2:11:46 PM
lendstats_com$25.00$25.0010/14/2010 2:18:03 PM
papaloha$25.00$25.0010/14/2010 2:18:19 PM
bowdish1$50.00$50.0010/14/2010 2:20:21 PM
cybernosha$25.00$25.0010/14/2010 2:21:19 PM
CAGE-Investments$25.00$25.0010/14/2010 2:21:30 PM
income-fortress$25.00$25.0010/14/2010 2:22:04 PM
payout-achievement$100.00$100.0010/14/2010 2:22:12 PM
worthy-bid8$100.00$100.0010/14/2010 2:23:04 PM
bid-czar8$50.00$50.0010/14/2010 2:23:48 PM
sweet-social2$33.00$33.0010/14/2010 2:18:24 PM
bountiful-durability$100.00$100.0010/14/2010 2:18:30 PM
handshake5$100.00$100.0010/14/2010 2:24:14 PM
selector568$400.00$400.0010/14/2010 2:10:53 PM
greentomato$25.00$25.0010/14/2010 2:21:09 PM
delicious-social132$50.00$50.0010/14/2010 2:21:40 PM
maldok1$25.00$25.0010/14/2010 2:26:37 PM
jigsaw$100.00$100.0010/14/2010 2:22:25 PM
generous-deal6$50.00$50.0010/14/2010 2:23:19 PM
williemc44$50.00$50.0010/14/2010 2:25:26 PM
MadHun$100.00$100.0010/14/2010 2:25:54 PM
authentic-liberty7$25.00$25.0010/14/2010 2:17:44 PM
mike_banker$50.00$50.0010/14/2010 2:18:47 PM
GeorgiaGator$50.00$50.0010/14/2010 4:09:34 PM
hookUup$75.00$75.0010/14/2010 2:25:09 PM
enthralling-deal180$50.00$50.0010/14/2010 2:35:31 PM
blue-useful-auction$25.00$25.0010/14/2010 5:13:43 PM
squarebob$25.00$25.0010/14/2010 6:44:16 PM
JustMee$25.00$25.0010/14/2010 10:35:39 PM
studious-bonus7$25.47$25.4710/15/2010 4:48:11 AM
Brian5$50.00$50.0010/15/2010 5:07:35 AM
la_verita$25.00$25.0010/14/2010 7:46:47 PM
Gebbo$30.00$30.0010/15/2010 6:37:14 AM
upbeat-coin937$100.00$100.0010/15/2010 7:45:34 AM
DebtFreeAlaska$25.00$25.0010/15/2010 8:09:20 AM
ray1051$25.00$25.0010/15/2010 6:31:07 AM
Richlaw$400.00$400.0010/15/2010 7:11:31 AM
simplelender80$90.00$90.0010/15/2010 12:32:11 PM
CommLendOff$29.24$29.2410/15/2010 1:18:34 PM
graceful-investment$100.00$100.0010/15/2010 4:18:08 PM
grifinvest$25.00$23.2910/15/2010 4:27:49 PM
kind-value-pouch$200.00$200.0010/16/2010 4:29:13 AM
leverage-reaction$25.00$25.0010/15/2010 11:16:02 PM
83 bids
 
Borrower Payment Dependent Notes Series 479474
This series of Notes was issued and sold upon the funding of the borrower loan #44948, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Oct-13-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $172.99
Final lender yield: 7.25% Final borrower rate/APR: 8.25% / 8.59% Final monthly payment: $172.99
 
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: Apr-1993 Debt/Income ratio: 18%
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 41 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,629Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: fairness-nebula1 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement, safe investment
I need to have some work done on the outside of my house (replacing wood trim with non-rotting PVC material, powerwashing, painting, staining decks, etc). A friend referred me to Prosper and I like the concept so I applied here instead of with my bank.

I am a good candidate for this loan because I have good credit, am a hard worker, have a steady income, and have never missed a payment on anything in my whole life.
Information in the Description is not verified.
Friends And Family Winning Bids
lijah10 has bid a total of $168.25 in winning bids.
"I am bidding at the lowest possible rate Proser will allow me to submit. If I could bid at zero percent, I absolutely would. Anyone would be honored to have someone like this borrower in their life, and I am proud to call him a friend!"
1 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
mistertao$25.00$25.0010/13/2010 2:41:28 PM
blot44$25.00$25.0010/13/2010 2:47:01 PM
jdwillcox$50.00$50.0010/13/2010 2:51:50 PM
ogmanny$50.00$50.0010/13/2010 2:52:01 PM
exact-gold2$50.00$40.1410/13/2010 2:42:02 PM
ethicalhumanist$50.00$50.0010/14/2010 11:30:00 AM
bondhedger$25.00$25.0010/14/2010 3:08:38 PM
Barrayaran$25.00$25.0010/14/2010 8:20:28 PM
compassion-burrito$41.80$41.8010/15/2010 5:27:25 AM
WorkerBee55$104.83$104.8310/15/2010 8:13:02 AM
lijah10$25.99$25.9910/15/2010 1:22:33 PM
Boba1964$25.00$25.0010/15/2010 2:13:17 PM
icon7$30.00$30.0010/15/2010 5:35:31 PM
credit-guard5$25.00$25.0010/15/2010 7:28:53 PM
julijask$35.00$35.0010/15/2010 5:53:11 PM
Ardy123$25.00$25.0010/16/2010 9:10:57 AM
lion445$25.00$25.0010/16/2010 2:48:16 PM
tsmonaghan$26.00$26.0010/16/2010 1:07:03 PM
paixbouche$50.00$50.0010/17/2010 10:22:03 AM
sportract05$25.00$25.0010/17/2010 9:58:29 AM
rudy510s$33.51$33.5110/17/2010 4:21:05 PM
Byrd24$100.00$100.0010/17/2010 6:35:46 PM
fcrick$25.00$25.0010/18/2010 1:30:43 AM
beachfunder$25.00$25.0010/17/2010 10:02:18 PM
HamIAm$100.00$100.0010/18/2010 3:17:21 AM
Tsimmeej$25.00$25.0010/18/2010 4:12:58 AM
MoneyTree79$50.00$50.0010/18/2010 5:52:01 AM
Lotsofbears$25.00$25.0010/18/2010 8:20:33 AM
TakeCare$40.00$40.0010/18/2010 8:41:53 AM
alydad1$25.00$25.0010/18/2010 8:49:57 AM
indomart$50.32$50.3210/18/2010 9:21:25 AM
Dollars4Rent$25.00$25.0010/18/2010 11:13:01 AM
FundMaker$25.00$25.0010/18/2010 11:41:18 AM
justme4now$25.00$25.0010/18/2010 2:37:06 PM
brightest-fascinating-principal$25.00$25.0010/18/2010 3:53:12 PM
coolcoast$50.00$50.0010/18/2010 4:16:13 PM
gizmo65$25.00$25.0010/18/2010 6:33:07 PM
BankOfBob$50.00$50.0010/18/2010 8:27:54 PM
dealmaster$100.00$100.0010/18/2010 7:34:25 PM
burnfromwithin$25.00$25.0010/18/2010 7:42:24 PM
Roundhouse$50.00$50.0010/18/2010 8:00:06 PM
MathProfessor$50.00$50.0010/18/2010 8:34:19 PM
value-pouch$50.00$50.0010/18/2010 11:32:55 PM
BankShark$25.00$25.0010/18/2010 9:37:28 PM
ray1051$75.00$75.0010/19/2010 5:42:15 AM
WAITING4SUNSHINE$25.00$25.0010/19/2010 11:18:35 AM
twsems$100.00$100.0010/19/2010 11:31:48 AM
credit-vinyl$25.00$25.0010/19/2010 2:08:08 PM
myextracash$25.00$25.0010/19/2010 2:59:54 PM
NorthPlainsCapital$100.00$100.0010/19/2010 2:39:49 PM
sadani$25.00$25.0010/19/2010 4:17:37 PM
OoM$26.31$26.3110/19/2010 4:57:29 PM
LawyerLoan$60.00$60.0010/19/2010 6:16:32 PM
happyjackbak$35.00$35.0010/19/2010 7:03:44 PM
Daubertoo$25.00$25.0010/19/2010 7:39:36 PM
karmarush$25.00$25.0010/19/2010 7:52:14 PM
Damostuff$25.00$25.0010/20/2010 12:46:27 AM
BipedalHominid$30.00$30.0010/20/2010 2:40:09 AM
autoconnection$27.73$27.7310/20/2010 4:47:27 AM
serene-credit4$50.00$50.0010/20/2010 4:38:01 AM
gustavholstopus32$25.00$25.0010/20/2010 5:29:35 AM
nofreelunch$25.00$25.0010/20/2010 6:48:23 AM
RichDadPoorDad$25.00$25.0010/20/2010 6:48:58 AM
designs626$50.00$50.0010/20/2010 7:11:02 AM
NJNY$25.00$25.0010/20/2010 7:31:24 AM
nasents$25.00$25.0010/20/2010 7:48:18 AM
PalmerTheEmbalmer$25.00$25.0010/20/2010 8:07:47 AM
helping-out$100.00$100.0010/20/2010 8:30:32 AM
beeslow$50.00$50.0010/20/2010 8:38:23 AM
nestegg4e$25.00$25.0010/20/2010 8:44:47 AM
Eagledrop$25.00$25.0010/20/2010 8:45:05 AM
discrete-asset$25.00$25.0010/20/2010 9:05:53 AM
stormwatch$25.00$25.0010/20/2010 9:07:14 AM
Spkthewrd3$25.00$25.0010/20/2010 9:12:36 AM
Socorro_Capital_Partners$25.00$25.0010/20/2010 9:36:16 AM
theskippy$25.00$25.0010/20/2010 9:45:59 AM
rakstar$25.00$25.0010/20/2010 10:26:32 AM
108lender$125.00$125.0010/20/2010 10:39:24 AM
cpy911$50.00$50.0010/20/2010 10:39:39 AM
L-vex$25.00$25.0010/20/2010 11:07:52 AM
Chrishu$25.00$25.0010/20/2010 11:17:51 AM
FrayBentos$50.00$50.0010/20/2010 11:25:18 AM
newest-sensible-hope$50.00$50.0010/20/2010 11:16:39 AM
NYCLAIMSGUY$25.00$25.0010/20/2010 11:47:03 AM
debt-legend$25.00$25.0010/20/2010 12:25:11 PM
Astyanax$75.00$75.0010/20/2010 12:00:28 PM
rutzebach$33.02$33.0210/20/2010 1:05:12 PM
friendinmoney$25.00$25.0010/20/2010 2:30:35 PM
platinum-hunter7$50.00$50.0010/13/2010 2:48:44 PM
RandyL3$25.00$25.0010/13/2010 2:56:18 PM
Bank_Of_XL$25.00$25.0010/13/2010 7:47:51 PM
lijah10$117.26$117.2610/14/2010 8:47:55 AM
Aristocrat$25.00$25.0010/14/2010 9:41:13 AM
outofoffice$75.00$75.0010/14/2010 3:01:25 PM
papy$25.00$25.0010/15/2010 12:12:47 AM
penny-plato$50.00$50.0010/15/2010 8:26:25 AM
lijah10$25.00$25.0010/15/2010 1:25:12 PM
rate-negotiator$25.00$25.0010/15/2010 1:29:25 PM
octoberfresh$35.00$35.0010/15/2010 11:19:46 AM
kander80$25.00$25.0010/15/2010 3:53:27 PM
myworld701$25.00$25.0010/16/2010 2:51:33 PM
hondo44$26.00$26.0010/17/2010 6:28:57 AM
thankful-nickel2$25.00$25.0010/16/2010 11:11:07 PM
tolerant-dinero2$25.00$25.0010/18/2010 4:12:55 AM
Jtomtom$50.00$50.0010/18/2010 9:15:39 AM
jasperpants$25.00$25.0010/18/2010 9:33:33 AM
lostviajero$25.00$25.0010/18/2010 9:29:44 AM
Dollars4Rent$25.00$25.0010/18/2010 11:13:18 AM
drewdles20$30.00$30.0010/18/2010 11:59:51 AM
Simply2fly$25.00$25.0010/18/2010 1:15:15 PM
credit-launcher773$25.00$25.0010/18/2010 3:27:47 PM
berkeleylender$33.00$33.0010/18/2010 5:27:28 PM
Guiren$25.00$25.0010/18/2010 5:33:43 PM
zenchef$25.00$25.0010/18/2010 5:34:45 PM
manuvns$25.00$25.0010/19/2010 1:30:32 AM
generous-deal6$25.00$25.0010/19/2010 3:15:44 AM
loanman2007$50.00$50.0010/19/2010 5:46:10 AM
-thisguy-$25.00$25.0010/19/2010 7:29:43 AM
peace-saber0$25.00$25.0010/19/2010 8:08:37 AM
mmmaacc$50.00$50.0010/19/2010 2:01:05 PM
crw1950$50.00$50.0010/19/2010 3:01:10 PM
Money_Hog$25.00$25.0010/19/2010 4:38:41 PM
kleinbrak$25.00$25.0010/19/2010 6:07:49 PM
arenangelchild$50.00$50.0010/19/2010 7:00:16 PM
Hotrod52$27.00$27.0010/19/2010 7:12:58 PM
wwwUniversal$25.00$25.0010/19/2010 7:06:12 PM
Charmart$25.00$25.0010/20/2010 5:58:01 AM
MO_Investor$25.00$25.0010/20/2010 6:34:18 AM
exact-peso2$25.00$25.0010/20/2010 7:15:07 AM
trade-freshmaker$50.00$50.0010/20/2010 7:29:06 AM
thebadpelican$25.00$25.0010/20/2010 8:07:10 AM
Earn_money$25.09$25.0910/20/2010 8:12:29 AM
gdfp158$25.00$25.0010/20/2010 8:43:44 AM
logical-reward8$25.00$25.0010/20/2010 9:20:16 AM
ryan6853$25.00$25.0010/20/2010 9:24:18 AM
MissionMicroFinance$25.00$25.0010/20/2010 9:31:36 AM
relierma$25.00$25.0010/20/2010 9:31:30 AM
j352000$25.00$25.0010/20/2010 10:09:43 AM
UT2008$50.00$50.0010/20/2010 10:17:12 AM
REITRUST$25.00$25.0010/20/2010 10:27:55 AM
PCGeekWI$25.00$25.0010/20/2010 11:10:11 AM
equitable-yield4$25.00$25.0010/20/2010 11:26:14 AM
GSV67$50.00$50.0010/20/2010 11:53:52 AM
flshdaskll$25.00$25.0010/20/2010 12:37:17 PM
investment-maker0$50.00$50.0010/20/2010 12:53:57 PM
fireferd$40.00$40.0010/20/2010 12:49:59 PM
dmitriy2$37.00$37.0010/20/2010 12:42:33 PM
cash-queen$40.00$40.0010/20/2010 2:22:43 PM
compassion-paladin042$25.00$25.0010/20/2010 2:40:46 PM
149 bids
 
Borrower Payment Dependent Notes Series 479520
This series of Notes was issued and sold upon the funding of the borrower loan #44967, 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: 9.80% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-22-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $140.55
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $140.55
 
Auction yield range: 10.71% - 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): 6 First credit line: May-1978 Debt/Income ratio: 27%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:19y 5m
Amount delinquent: $0 Total credit lines: 63 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,735Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: responsible-loyalty4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
780-799 (Jan-2010)
 
Principal balance: $2,776.12 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Annual home & auto related bills
Purpose of loan:
This loan will be used to pay annual home warranty, auto membership and other smaller expenses.

My financial situation:
I am a good candidate for this loan because I've had a solid history with Prosper for almost a year now and I've worked hard to build and sustain a good credit rating over the past 10 years.

Monthly net income: $ 3500

Monthly expenses: $2850
Housing: $1800
Car expenses: $200
Food, entertainment: $200
Credit cards and other loans: $550
This loan will be used to pay annual home warranty, auto membership and other smaller expenses.

My financial situation:
I am a good candidate for this loan because I've had a solid history with Prosper for almost a year now and I've worked hard to build and sustain a good credit rating over the past 10 years.

Monthly net income: $ 3500

Monthly expenses: $2850
Housing: $1800
Car expenses: $200
Food, entertainment: $200
Credit cards and other loans: $550
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ethicalhumanist$25.00$25.0010/18/2010 3:04:25 PM
loyalist1$100.00$100.0010/18/2010 3:03:29 PM
handshake5$100.00$100.0010/18/2010 3:12:42 PM
ekmendenhall$45.00$45.0010/18/2010 3:10:59 PM
radiant-loan5$200.00$200.0010/18/2010 3:11:39 PM
bold-attentive-listing$25.00$25.0010/18/2010 3:24:33 PM
NoCal$30.00$30.0010/18/2010 3:24:02 PM
reflective-rupee$350.00$350.0010/18/2010 4:43:39 PM
penny-plato$25.00$25.0010/18/2010 5:25:52 PM
money-bauble$100.00$100.0010/19/2010 11:15:33 AM
TakeCare$60.00$60.0010/19/2010 11:21:33 AM
Wellman$50.00$50.0010/19/2010 11:24:40 AM
musegaze$100.00$100.0010/19/2010 11:25:13 AM
jigsaw$50.00$50.0010/19/2010 6:43:38 PM
ingenious-deal6$25.00$25.0010/19/2010 5:18:13 PM
SFBank$300.00$300.0010/19/2010 6:33:11 PM
patriot384$60.00$60.0010/20/2010 7:50:05 AM
investment-artist$25.00$25.0010/20/2010 11:04:12 AM
MadHun$100.00$100.0010/20/2010 3:42:47 PM
Sonihal$25.65$25.6510/20/2010 3:43:55 PM
anton$300.00$218.2510/20/2010 3:45:19 PM
dinero-launcher$25.00$25.0010/21/2010 2:42:20 PM
Gaelicman$75.10$75.1010/21/2010 4:38:44 PM
gjm6d$31.00$31.0010/21/2010 5:51:53 PM
cassperr$25.00$25.0010/21/2010 6:38:07 PM
exchange-dreams$25.00$25.0010/21/2010 7:11:14 PM
lucrative-loan$50.00$50.0010/22/2010 3:07:47 AM
wlm3012$25.00$25.0010/22/2010 9:39:12 AM
2grindstones$25.00$25.0010/22/2010 9:54:31 AM
Katzenjammer$25.00$25.0010/22/2010 10:32:56 AM
bid-czar8$25.00$25.0010/18/2010 3:12:47 PM
all_of_that_one$40.00$40.0010/18/2010 3:05:53 PM
nybanker85$50.00$50.0010/18/2010 3:51:19 PM
NekHoldings$25.00$25.0010/19/2010 5:35:13 AM
brother_tam$50.00$50.0010/19/2010 6:17:59 AM
shmb6508$50.00$50.0010/19/2010 9:14:31 AM
mercuriant$25.00$25.0010/19/2010 11:06:22 AM
teller$50.00$50.0010/19/2010 11:24:44 AM
graceful-investment$100.00$100.0010/19/2010 11:23:37 AM
JustMee$25.00$25.0010/19/2010 1:08:32 PM
B-rad_the_Coug$25.00$25.0010/19/2010 6:43:21 PM
worthy-bid8$25.00$25.0010/19/2010 6:31:31 PM
EBITDA$25.00$25.0010/20/2010 5:57:26 AM
natural-greenback6$25.00$25.0010/20/2010 9:52:13 AM
euphoria8$25.00$25.0010/20/2010 10:26:45 AM
psa1995$25.00$25.0010/20/2010 3:43:06 PM
HedgeFund$50.00$50.0010/20/2010 3:45:14 PM
payout-reaction740$25.00$25.0010/20/2010 4:00:22 PM
thankful-nickel2$25.00$25.0010/20/2010 4:31:52 PM
penny-surgeon$25.00$25.0010/21/2010 9:48:52 AM
rapid-currency$25.00$25.0010/21/2010 10:36:55 AM
Bcs-cnc$25.00$25.0010/21/2010 11:57:52 AM
bold-attentive-listing$25.00$25.0010/21/2010 2:57:33 PM
bondhedger$25.00$25.0010/21/2010 3:01:31 PM
tech310$50.00$50.0010/21/2010 3:06:50 PM
Reliance_Banker$25.00$25.0010/21/2010 5:33:20 PM
platinum-hunter7$25.00$25.0010/21/2010 5:39:09 PM
yield-lion2$75.00$75.0010/21/2010 7:20:57 PM
1SteelerFan$30.00$30.0010/21/2010 10:26:30 PM
Bob450$25.00$25.0010/21/2010 10:36:02 PM
smear87$25.00$25.0010/22/2010 9:17:41 AM
Pu239$60.00$60.0010/22/2010 8:22:49 AM
fabulous-community4$50.00$50.0010/22/2010 10:25:54 AM
63 bids
 
Borrower Payment Dependent Notes Series 479708
This series of Notes was issued and sold upon the funding of the borrower loan #44970, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-14-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $200.79
Final lender yield: 21.00% Final borrower rate/APR: 22.00% / 25.44% Final monthly payment: $190.95
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 10.69%  
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): 7 First credit line: May-1993 Debt/Income ratio: 15%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 14Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,772 
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: proper-hope1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
 
Principal balance: $2,246.09 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Roof Replacement Before Winter
Let me start by introducing myself; I am a female, retired Army Veteran who served in Operation Iraqi Freedom 2003-2004. I was medically retired due to physical and emotional traumas received during combat. I have since been rated at 100% disabled by the Veteran's Administration and also by Social Security Disability.? I receive a fixed income of $2820.00/month from the VA and $550.00/month from Social Security, for a total of $3370.00/month net. ?I still value and live by the high moral and ethical standards that I lived by during my time in service to my country. This loan will be used to replace the roof on my small home.? I believe very strongly in regular maintainance of everything I own, and although the inspection report indicated that the roof may last another year or two, I am reluctant to risk incurring further damage to the sheathing or attic area.? At the interest rate of 25% or lower, $5000.00 over 3 years is approx. $200/month; an amount I will be very comfortable paying each month. I recently reduced my monthly housing payment from $1192.00 down to $747.09, therefore the loan payment amount will be readily available.? My monthly expenses are: Mortgage: $747.09/ mo. fixed Electric: $145.00/mo. avg. Phone: $115.00/mo. avg. Food: $300.00/mo. avg. Fuel: $240.00/mo avg. Utilities: $155.00/mo. avg. Household Essentials: $65.00/mo. avg. Credit Card Payments: $70.00/mo. avg. Animal Care: $240.00/mo. fixed Current Prosper Loan: $121.00/mo. fixed Incidentals/Savings/Emergency: $1171.91/mo. avg. As you can see, I live a very frugal lifestyle, my credit score is steadily rising, and the $200.00/mo. payment to the roofing loan will be an excellent investment into the longevity and future value of my property.? My income is GUARANTEED and I will never lose income due to job loss, lay-off, or further disability. It is for this reason I consider myself an excellent risk, and implore you to consider my loan request. Thank you 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
Q: Hello Proper-Hope1, Very nice listing! Very detailed and informative, it will be a pleasure to help fund your loan. Thanks, Steve - DasMula
A: Hi Steve, I really appreciate it. I was very surprised how many listings are so abrupt and unclear, I'm sure it's frustrating to be on the lending side and try to decipher some of them! Thank you so much, -J (Oct-21-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$100.00$100.0010/14/2010 2:09:36 PM
Trakissta$150.00$150.0010/14/2010 7:33:36 PM
mercuriant$25.00$25.0010/16/2010 7:15:18 AM
chato2345$70.54$70.5410/16/2010 11:41:53 PM
LifeRing$75.00$75.0010/17/2010 12:33:34 AM
Hartfelt$30.00$30.0010/17/2010 8:12:07 PM
HamIAm$100.00$100.0010/18/2010 3:12:46 AM
thankful-nickel2$25.00$25.0010/18/2010 11:07:57 AM
SmartConsolidation$25.00$25.0010/18/2010 11:18:21 AM
investment-artist$29.47$29.4710/18/2010 10:53:51 AM
pietro_torna_indietro$25.00$25.0010/18/2010 11:33:22 AM
return-elm$33.00$33.0010/18/2010 12:30:29 PM
omyogafinance$102.36$102.3610/18/2010 3:28:33 PM
BankofHoneybear$50.00$50.0010/18/2010 4:33:58 PM
benefit-boots$25.00$25.0010/18/2010 7:40:50 PM
Reliance_Banker$25.00$25.0010/18/2010 6:28:39 PM
AaronL$25.00$25.0010/18/2010 11:18:42 PM
twjh$25.00$25.0010/19/2010 3:16:42 AM
rate-nest$40.87$40.8710/19/2010 11:42:23 AM
ghinga$25.00$25.0010/19/2010 6:45:11 PM
cleo1255$50.00$50.0010/20/2010 10:23:14 AM
neorunner$50.00$50.0010/20/2010 11:34:24 AM
fairgirl$25.00$25.0010/20/2010 2:58:59 PM
HammerSmith$25.00$25.0010/20/2010 6:07:14 PM
credit-missile$25.00$25.0010/20/2010 8:08:44 PM
Cpay2Me$25.00$25.0010/20/2010 8:30:46 PM
credit-missile$25.00$25.0010/20/2010 8:09:31 PM
credit-missile$25.00$25.0010/20/2010 8:11:17 PM
DasMula$25.00$25.0010/20/2010 9:36:56 PM
RecoveryLender$25.00$25.0010/21/2010 12:51:59 AM
lucrative-durability$25.00$25.0010/21/2010 3:45:49 AM
duty-monger$50.00$50.0010/21/2010 3:17:07 AM
wach$31.57$31.5710/21/2010 6:52:30 AM
minnesotafinancial$25.00$25.0010/21/2010 7:38:40 AM
Leshan$75.00$75.0010/21/2010 7:12:34 AM
Rulea72$39.76$39.7610/21/2010 7:39:53 AM
DoctorJoe$25.00$25.0010/21/2010 7:26:43 AM
cclady$100.00$100.0010/21/2010 7:30:10 AM
note-virtuoso8$50.00$50.0010/21/2010 8:36:34 AM
LA915X$25.00$25.0010/21/2010 10:27:18 AM
drb4ever$25.00$25.0010/21/2010 10:51:44 AM
unafraid-loan5$25.82$25.8210/21/2010 11:10:05 AM
the-revenue-demon$50.00$50.0010/21/2010 11:21:01 AM
JGuide$50.00$50.0010/21/2010 12:02:55 PM
Branch95$100.00$100.0010/21/2010 12:12:41 PM
jpblan11$25.00$25.0010/21/2010 12:25:33 PM
Coppercanyon$64.92$64.9210/21/2010 12:55:08 PM
first-dinero-igloo$26.00$26.0010/21/2010 12:58:10 PM
social-zebra$28.00$28.0010/21/2010 1:27:46 PM
Astyanax$100.00$100.0010/21/2010 1:37:58 PM
platinum-hunter7$30.00$30.0010/14/2010 4:08:17 PM
kind-value-pouch$100.00$100.0010/16/2010 4:27:23 AM
payout-reaction740$25.00$25.0010/16/2010 9:48:06 AM
SunriseTrader1$25.00$25.0010/16/2010 7:12:48 AM
McKrackle$50.00$50.0010/17/2010 2:03:47 PM
SolarMoonshine$25.00$25.0010/17/2010 6:39:46 PM
sweet-bonus$25.00$25.0010/18/2010 4:38:18 AM
hookUup$200.00$200.0010/17/2010 8:34:40 PM
outofoffice$25.00$25.0010/18/2010 8:49:05 AM
credit-guard5$25.00$25.0010/18/2010 10:31:41 AM
tarafied$25.00$25.0010/18/2010 9:54:44 AM
ronin4sale$25.00$25.0010/18/2010 11:54:24 AM
FundMaker$30.00$30.0010/18/2010 11:59:15 AM
West_End_Local$35.00$35.0010/18/2010 3:04:33 PM
wirebutterfly$35.00$35.0010/18/2010 3:20:03 PM
Haribelle$50.00$50.0010/18/2010 4:00:30 PM
ajst1$27.15$27.1510/18/2010 5:10:30 PM
bessbird$100.00$100.0010/18/2010 6:04:44 PM
Roundhouse$50.00$50.0010/18/2010 8:02:28 PM
unconquerable-cash$25.00$25.0010/18/2010 7:19:26 PM
850$50.00$50.0010/18/2010 8:43:19 PM
MathProfessor$50.00$50.0010/18/2010 9:11:06 PM
loanman2007$100.00$100.0010/19/2010 6:12:05 AM
FIRE09$100.00$100.0010/19/2010 10:10:41 AM
euro-deployment$25.00$25.0010/19/2010 1:29:21 PM
tacopants$100.00$100.0010/19/2010 2:43:11 PM
interest88$25.00$25.0010/19/2010 5:15:38 PM
whatreality$38.09$38.0910/19/2010 6:52:06 PM
sentimental-euro$35.00$35.0010/20/2010 6:51:04 AM
FinanceEngine$25.00$25.0010/20/2010 10:22:04 AM
PlusUltra$77.69$77.6910/20/2010 10:43:49 AM
marwadi-62$100.00$100.0010/20/2010 2:33:54 PM
moola-monger9$50.00$50.0010/20/2010 2:44:27 PM
vest_vortex$25.00$25.0010/20/2010 4:48:00 PM
Jerrys1951$40.00$40.0010/20/2010 7:40:51 PM
jms1983$25.00$25.0010/20/2010 6:40:49 PM
DasMula$25.00$25.0010/20/2010 9:35:03 PM
credit-missile$25.00$25.0010/20/2010 8:10:25 PM
gjm6d$25.00$25.0010/20/2010 8:33:23 PM
draggon77$25.00$3.6810/21/2010 1:41:33 AM
Nerdster1$25.01$25.0110/21/2010 4:05:31 AM
JeramyU$25.00$25.0010/21/2010 8:12:09 AM
rate-hickory$25.00$25.0010/21/2010 8:07:00 AM
commerce-selector0$50.00$50.0010/21/2010 8:47:25 AM
Chesterite$25.00$25.0010/21/2010 9:53:19 AM
enthusiastic-balance5$100.00$100.0010/21/2010 9:58:52 AM
Soulphoniks-Holdings$50.00$50.0010/21/2010 10:14:30 AM
fireferd$30.00$30.0010/21/2010 10:33:42 AM
Diamond942$25.00$25.0010/21/2010 10:52:14 AM
djber$26.52$26.5210/21/2010 11:04:46 AM
tadpole256$53.44$53.4410/21/2010 11:33:38 AM
amlu1988$25.00$25.0010/21/2010 11:42:46 AM
leverage-monger$25.00$25.0010/21/2010 12:12:30 PM
benefit-javelin$26.93$26.9310/21/2010 12:14:41 PM
clean-fund$25.00$25.0010/21/2010 12:22:32 PM
zztopdog$25.00$25.0010/21/2010 12:59:27 PM
grampy48$25.00$25.0010/21/2010 12:56:14 PM
PadreAyudate$34.18$34.1810/21/2010 1:34:48 PM
phchristensen$50.00$50.0010/21/2010 2:06:19 PM
blue-useful-auction$25.00$25.0010/21/2010 2:07:42 PM
patriot384$180.00$180.0010/21/2010 2:07:46 PM
111 bids
 
Borrower Payment Dependent Notes Series 479852
This series of Notes was issued and sold upon the funding of the borrower loan #44944, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Oct-14-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.88% Starting monthly payment: $72.38
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.88% Final monthly payment: $72.38
 
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: Sep-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,478Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: a-abundant-transparency Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? Pay off credit cards with high interests. I run my own business and have spent everything i can on that business and now that it's making money i want to pay off my cards as fast as possible, hence the 91% card utilization. I run 2 retail websites and am starting at least 2 more in the next 2 weeks. The first 3 are niche sites dealing with sci-fi/horror movies and the next retail site will be a natural/gluten free foods online store.

My financial situation:
I am a good candidate for this loan because?even though i may have high debts i've NEVER been late or delinquent on a payment...EVER. I run my own business selling movie props and memorabilia. I know my customers and know what they want and can find what they want for cheap and sell for a great profit. Help me to pay off my debts and if there are any business investors i am always looking to maybe add some help! I am also starting to reinvest in other prosper users as well and will have my first transfer available this week so i will be putting some money back into the community as well. THANK YOU!

Monthly net income: $5,000-10,000

Monthly expenses: $1400
??Housing: $0
??Insurance: $
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $700
??Other expenses: $200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
swoosh$25.00$25.0010/14/2010 2:54:50 PM
noble-revenue$50.00$50.0010/14/2010 2:34:36 PM
Gixxer600$50.00$50.0010/14/2010 2:54:25 PM
Diamond_Jim$25.00$25.0010/14/2010 2:55:08 PM
Artist_Blue$25.00$25.0010/14/2010 2:57:06 PM
mrxtravis$50.00$50.0010/21/2010 7:51:48 AM
kic008$125.00$125.0010/21/2010 7:28:48 AM
lijah10$25.94$25.9410/21/2010 7:37:04 AM
capital-kingdom$50.00$50.0010/21/2010 7:39:23 AM
wealth-multiplier$25.00$25.0010/21/2010 10:06:00 AM
mbcjk$25.00$25.0010/21/2010 10:13:25 AM
drb4ever$25.00$25.0010/21/2010 10:50:04 AM
social-zebra$26.00$26.0010/21/2010 1:33:16 PM
entertaining-greenback2$25.00$25.0010/21/2010 2:01:21 PM
payout-bridge$105.31$105.3110/21/2010 2:05:45 PM
engrossing-commerce$50.00$20.5010/14/2010 4:03:59 PM
cablenews$25.00$25.0010/14/2010 2:58:22 PM
hookUup$25.00$25.0010/14/2010 6:53:18 PM
larryboy10$25.00$25.0010/19/2010 6:35:35 PM
DenimCapital$25.00$25.0010/20/2010 12:17:04 PM
penny-plato$50.00$50.0010/20/2010 2:15:57 PM
seanickson$25.00$25.0010/20/2010 4:41:45 PM
Bob450$25.00$25.0010/20/2010 9:59:49 PM
gold-cluster$100.00$100.0010/20/2010 8:57:26 PM
income-rocker2$74.90$74.9010/21/2010 4:47:38 AM
kendigme$36.35$36.3510/21/2010 4:17:47 AM
Leshan$200.00$200.0010/21/2010 7:22:02 AM
aquistoyraul$25.00$25.0010/21/2010 8:23:56 AM
fervent-power$25.00$25.0010/21/2010 10:01:43 AM
Lubava$25.00$25.0010/21/2010 10:08:58 AM
heroic-benefit$200.00$200.0010/21/2010 12:38:33 PM
just-trade0$36.00$36.0010/21/2010 2:02:07 PM
32 bids
 
Borrower Payment Dependent Notes Series 479924
This series of Notes was issued and sold upon the funding of the borrower loan #44963, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-15-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $347.39
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $347.39
 
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: Dec-1996 Debt/Income ratio: 14%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,472Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: superb-power8 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
My 3 year plan to become debt free
Purpose of loan:
To pay off all high-interest debt that has accumulated over the years. I want to become debt free within 3 year and start to set money aside for my 3 year old daughters college fund.

My financial situation:
I am a good candidate for this loan because, I always make my payments. I strive to make all my payments on time every time.

Monthly net income: $5747
(Total Household NET:? Mine + Spouse)


Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radforj22$25.00$25.0010/15/2010 3:28:08 PM
mike_banker$50.00$50.0010/15/2010 3:30:55 PM
bowdish1$50.00$50.0010/15/2010 3:31:20 PM
bambampk$25.00$25.0010/15/2010 3:33:54 PM
CAGE-Investments$25.00$25.0010/15/2010 3:34:08 PM
alpinaut$25.00$25.0010/15/2010 3:26:36 PM
DRA-Properties$25.00$25.0010/15/2010 3:30:48 PM
graceful-investment$100.00$100.0010/15/2010 4:18:19 PM
delicious-social132$50.00$50.0010/15/2010 3:31:37 PM
rescue$50.00$50.0010/15/2010 3:27:22 PM
itnAAnti$25.00$25.0010/15/2010 5:03:30 PM
Weaverville$50.00$50.0010/15/2010 3:28:13 PM
selector568$300.00$300.0010/15/2010 3:28:27 PM
TakeCare$80.00$80.0010/15/2010 3:33:11 PM
williemc44$50.00$50.0010/15/2010 3:33:20 PM
authentic-liberty7$25.00$25.0010/15/2010 3:30:17 PM
maldok1$25.00$25.0010/15/2010 3:34:04 PM
ray1051$25.00$25.0010/15/2010 3:34:25 PM
ichibon$150.00$150.0010/15/2010 3:31:25 PM
payout-achievement$100.00$100.0010/15/2010 3:31:43 PM
jigsaw$100.00$100.0010/15/2010 3:31:47 PM
MadHun$100.00$100.0010/15/2010 3:33:24 PM
Gabriel02$25.00$25.0010/15/2010 3:34:45 PM
simplelender80$250.00$250.0010/15/2010 5:19:42 PM
Bank_Of_XL$50.00$50.0010/15/2010 6:10:31 PM
wampum-chorus3$25.00$25.0010/15/2010 7:12:46 PM
HealthNut92023$45.49$45.4910/15/2010 9:47:59 PM
Gibbyland$25.27$25.2710/16/2010 2:15:14 AM
Kmac_Lending$25.00$25.0010/16/2010 6:28:07 AM
mla$25.00$25.0010/16/2010 1:50:12 AM
fairness-kayak$25.00$25.0010/16/2010 7:14:48 AM
platinum-hunter7$25.00$25.0010/16/2010 4:38:19 AM
WarmWeather$50.00$50.0010/16/2010 4:53:11 AM
Interstate_Rate$100.00$100.0010/16/2010 1:56:20 AM
janus_god$25.00$25.0010/16/2010 2:09:55 AM
inspiring-reward$36.31$36.3110/16/2010 10:29:54 AM
dgallo$25.00$25.0010/16/2010 5:27:58 AM
whsprint$25.00$25.0010/16/2010 6:17:48 AM
mac415$50.00$50.0010/16/2010 2:44:18 PM
Isaac007$30.00$30.0010/16/2010 8:57:48 AM
blue-useful-auction$25.00$25.0010/16/2010 9:17:09 AM
Doodlemeyer$25.00$25.0010/16/2010 7:10:02 PM
trustu$25.56$25.5610/16/2010 8:22:36 PM
cpbreton$25.00$25.0010/16/2010 8:20:10 PM
JustMee$25.00$25.0010/16/2010 9:36:18 PM
special-currency6$50.00$50.0010/17/2010 8:53:01 AM
cclady$100.00$100.0010/17/2010 7:09:23 AM
helpful-dough$50.00$50.0010/17/2010 9:37:56 AM
shmb6508$30.74$30.7410/17/2010 5:17:50 PM
supersarah61$25.00$25.0010/17/2010 5:34:55 PM
loyalist1$25.00$25.0010/17/2010 11:52:46 AM
techvet$50.00$50.0010/17/2010 3:31:55 PM
rovo$25.00$25.0010/17/2010 9:04:24 PM
triumph329$25.00$25.0010/18/2010 6:12:50 AM
helping-out$100.00$100.0010/18/2010 8:30:39 AM
excellent-nickel$50.00$50.0010/18/2010 8:31:03 AM
helpinghand63$50.00$50.0010/18/2010 9:38:25 AM
lostviajero$25.00$25.0010/18/2010 9:49:19 AM
californiakhan$25.00$25.0010/18/2010 9:33:27 AM
jlofgren$25.00$25.0010/18/2010 9:34:44 AM
orangetrust$100.00$100.0010/18/2010 10:11:02 AM
tylerfd$25.00$25.0010/18/2010 9:35:33 AM
credit-coach118$25.00$25.0010/18/2010 9:37:03 AM
Clambake$50.00$50.0010/18/2010 9:45:35 AM
income-titan8$30.00$30.0010/18/2010 10:29:07 AM
imlosttoo$25.00$25.0010/18/2010 9:36:12 AM
Requiem$25.00$25.0010/18/2010 9:37:30 AM
MrX$25.00$25.0010/18/2010 10:39:37 AM
bonanza1973$25.00$25.0010/18/2010 10:28:46 AM
Ripsaw4U$39.17$39.1710/18/2010 2:13:34 PM
newgroom422$25.00$25.0010/18/2010 12:48:06 PM
patriot384$360.00$360.0010/18/2010 1:06:08 PM
point-shooter$50.00$50.0010/18/2010 1:23:12 PM
tearingstar$25.00$25.0010/18/2010 3:42:35 PM
ti22ring$25.00$25.0010/18/2010 4:39:24 PM
HedgeFund$50.00$50.0010/18/2010 4:20:40 PM
ivadood$100.00$100.0010/18/2010 4:45:06 PM
nytrnbow$25.00$17.7210/18/2010 5:38:24 PM
economy-popcorn$25.00$25.0010/18/2010 6:09:08 PM
TakeCare$40.00$40.0010/18/2010 8:15:01 PM
FinDoc$25.00$25.0010/19/2010 10:34:34 AM
Islandgal$43.00$43.0010/19/2010 4:16:08 PM
papaloha$200.00$200.0010/20/2010 12:39:30 AM
mjunlimited$50.00$50.0010/20/2010 6:28:20 AM
designs626$50.00$50.0010/20/2010 7:11:47 AM
deal-enrichment$50.00$50.0010/20/2010 9:48:59 AM
crw1950$50.00$50.0010/20/2010 11:14:26 AM
rad-pred$25.00$25.0010/20/2010 11:16:05 AM
tranquil-revenue$50.00$50.0010/20/2010 11:12:47 AM
the-money-position$50.00$50.0010/20/2010 12:33:13 PM
blukestrel$25.00$25.0010/20/2010 3:46:06 PM
innocent-income4$25.00$25.0010/20/2010 5:15:29 PM
SOP_Bank$25.00$25.0010/20/2010 7:53:19 PM
covie$50.00$50.0010/20/2010 6:43:00 PM
cutter21$25.00$25.0010/20/2010 8:56:32 PM
boogles72$50.00$50.0010/20/2010 10:03:00 PM
philantist$25.00$25.0010/20/2010 7:57:38 PM
kenji4861$25.00$25.0010/20/2010 9:41:21 PM
Wizard2$50.00$50.0010/20/2010 10:29:00 PM
generous-deal6$50.00$50.0010/15/2010 3:28:26 PM
worthy-bid8$31.37$31.3710/15/2010 3:30:09 PM
objective-investor$100.00$100.0010/15/2010 3:31:10 PM
JohnGalt79$100.00$100.0010/15/2010 3:31:15 PM
handshake5$100.00$100.0010/15/2010 3:33:04 PM
Sevron$100.00$100.0010/15/2010 3:33:27 PM
larrybird$150.00$150.0010/15/2010 3:33:34 PM
enthralling-deal180$50.00$50.0010/15/2010 3:33:39 PM
kmr2$200.00$200.0010/15/2010 3:34:11 PM
greentomato$25.00$25.0010/15/2010 3:31:29 PM
cybernosha$25.00$25.0010/15/2010 3:31:32 PM
jeg3k$50.00$50.0010/15/2010 3:31:51 PM
crenen139$25.00$25.0010/15/2010 3:31:56 PM
bid-czar8$50.00$50.0010/15/2010 3:32:41 PM
DDPrime$100.00$100.0010/15/2010 3:33:13 PM
hookUup$75.00$75.0010/15/2010 3:33:17 PM
GElender$50.00$50.0010/15/2010 3:33:22 PM
bountiful-durability$100.00$100.0010/15/2010 3:30:41 PM
jdwillcox$50.00$50.0010/15/2010 3:31:00 PM
tolerant-dinero2$25.00$25.0010/15/2010 3:33:31 PM
IamSparticus$25.00$25.0010/15/2010 5:44:37 PM
akakii$25.00$25.0010/15/2010 6:17:52 PM
wdworld$25.00$25.0010/15/2010 9:47:53 PM
tntmojave$25.00$25.0010/16/2010 12:26:35 AM
SelectTrustLending$25.00$25.0010/16/2010 12:25:25 AM
moola-wildebeest3$50.00$50.0010/16/2010 12:26:31 AM
forthright-dedication$50.00$50.0010/16/2010 7:15:15 AM
studious-bonus7$89.88$89.8810/16/2010 12:26:34 AM
cocolitovi$50.00$50.0010/16/2010 4:02:58 AM
sellersbay$25.00$25.0010/16/2010 4:48:13 AM
UT-Longhorn$25.00$25.0010/16/2010 6:27:44 AM
cello1$25.00$25.0010/16/2010 10:57:48 AM
efficient-treasure0$25.00$25.0010/16/2010 12:44:50 PM
phaded$25.00$25.0010/16/2010 8:22:42 PM
jazzlender$25.00$25.0010/16/2010 8:23:31 PM
coin-investor$25.00$25.0010/16/2010 8:27:56 PM
lean-integrity9$100.00$100.0010/16/2010 7:24:43 PM
tranquil-return4$25.00$25.0010/16/2010 8:22:09 PM
ms48105$25.00$25.0010/16/2010 8:22:33 PM
worth-entrepreneur$25.00$25.0010/16/2010 6:57:52 PM
best-phenomenal-treasure$25.00$25.0010/16/2010 8:22:44 PM
taurusco$42.49$42.4910/16/2010 7:09:57 PM
boater01$50.00$50.0010/16/2010 8:22:35 PM
asset-professor$50.00$50.0010/16/2010 8:22:45 PM
penny-chooser$35.00$35.0010/17/2010 7:36:13 AM
AK49-JW$25.00$25.0010/16/2010 10:45:01 PM
schpere$200.00$200.0010/17/2010 8:49:11 AM
escharfer$25.00$25.0010/17/2010 9:12:50 AM
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Artist_Blue$25.00$25.0010/17/2010 11:25:52 PM
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Ocean713$50.00$50.0010/18/2010 7:12:50 AM
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JebkaClan$25.00$25.0010/18/2010 9:03:21 AM
BzJ108$25.00$25.0010/18/2010 9:55:42 AM
elegant-bonus$25.00$25.0010/18/2010 9:25:08 AM
runner262$25.00$25.0010/18/2010 9:44:37 AM
Macarro4$25.00$25.0010/18/2010 11:43:21 AM
liberty-carnival$25.00$25.0010/18/2010 11:28:44 AM
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lendstats_com$200.00$200.0010/18/2010 1:48:46 PM
thankful-nickel2$25.00$25.0010/18/2010 2:14:04 PM
kindness-hickory5$50.00$50.0010/18/2010 2:34:17 PM
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mtquan$25.00$25.0010/18/2010 3:41:39 PM
nybanker85$50.00$50.0010/18/2010 3:50:43 PM
reflective-rupee$200.00$200.0010/18/2010 4:58:53 PM
credit-bearer959$25.00$25.0010/18/2010 5:02:54 PM
the-upbeat-p2p$50.00$50.0010/18/2010 5:36:10 PM
cashhelp$25.00$25.0010/18/2010 5:48:54 PM
pioneer538$50.00$50.0010/18/2010 7:05:19 PM
Roundhouse$50.00$50.0010/18/2010 8:18:53 PM
Ven58$25.00$25.0010/19/2010 1:50:10 AM
investment-artist$25.00$25.0010/19/2010 7:27:50 AM
dajen1$50.00$50.0010/19/2010 12:16:22 PM
engaging-worth$25.00$25.0010/19/2010 3:36:45 PM
greenback-bull6$50.00$50.0010/19/2010 2:09:14 PM
Cherrypicker$30.00$30.0010/19/2010 3:08:05 PM
rmpedi33$50.00$50.0010/19/2010 4:56:44 PM
ogmanny$50.00$50.0010/20/2010 1:46:47 AM
silver-armada$50.00$50.0010/20/2010 5:04:05 AM
suave-dime6$25.00$25.0010/20/2010 7:51:14 AM
nestegg4e$25.00$25.0010/20/2010 8:44:19 AM
Eagledrop$25.00$25.0010/20/2010 8:46:26 AM
Dollars4Rent$25.00$25.0010/20/2010 11:11:49 AM
rupee-prairie$25.00$25.0010/20/2010 11:25:32 AM
equitable-yield4$25.00$25.0010/20/2010 11:25:43 AM
dollardave$100.00$100.0010/20/2010 1:11:16 PM
LittlePiggyBank$50.00$50.0010/20/2010 1:49:08 PM
TechieLender$50.00$50.0010/20/2010 3:35:53 PM
bold-durability-drum$50.00$50.0010/20/2010 4:13:58 PM
kander80$25.00$25.0010/20/2010 7:09:24 PM
Magog12$50.00$50.0010/20/2010 9:41:10 PM
money-bauble$100.00$100.0010/21/2010 2:22:07 AM
ardaentiknik$25.00$25.0010/21/2010 4:02:32 AM
Mindful7$25.00$25.0010/21/2010 4:57:03 AM
198 bids
 
Borrower Payment Dependent Notes Series 478283
This series of Notes was issued and sold upon the funding of the borrower loan #44950, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-05-2010 
  Auction end date:  Oct-12-2010 
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $521.08
Final lender yield: 14.15% Final borrower rate/APR: 15.15% / 17.32% Final monthly payment: $521.08
 
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: Mar-1973 Debt/Income ratio: 31%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 35 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,967Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: zippy-worth4 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
Credit Card Payoff Project
Purpose of loan:
This loan will be used to?
pay off credit cards.
My financial situation:
I am a good candidate for this loan because? I have a good credit history, a steady job, have lived in my house for over 12 years, and have had zero delinquent payments to lenders.

Monthly net income: $ 3600 (plus $2500 spouse income)

Monthly expenses: $
??Housing: $ 1385
??Insurance: $ 120
??Car expenses: $ 538
??Utilities: $?300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700
??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, May I ask what you and your spouse do for a living also please list the debts you are consolidating (lender, balance, APR and current monthly payment made)? Thank you, Steve - DasMula
A: I am a Senior Account Manager with McKesson, and my husband is a police officer. I am consolidating two credit cards, Chase, $10,000 balance, 18% APR (went a lot higher once the introductory phase ended), and Discover $5,000 balance, 0% right now but once that expires will probably be around 16%. Chase is $300/month minimum, I usually pay $400, and Discover is $200/month. (Oct-07-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
auction-elvis$25.00$25.0010/5/2010 2:49:17 PM
papaloha$25.00$25.0010/5/2010 2:49:31 PM
generous-deal6$50.00$50.0010/5/2010 2:50:47 PM
chemistry220$50.00$50.0010/5/2010 2:56:49 PM
Weaverville$50.00$50.0010/5/2010 2:57:13 PM
DRA-Properties$25.00$25.0010/5/2010 3:21:16 PM
bid-czar8$100.00$100.0010/5/2010 3:21:40 PM
shmb6508$100.00$100.0010/5/2010 3:21:45 PM
jazzlender$25.00$25.0010/5/2010 3:21:59 PM
mike_banker$50.00$50.0010/5/2010 3:22:55 PM
jdwillcox$50.00$50.0010/5/2010 3:23:03 PM
kmr2$200.00$200.0010/5/2010 3:23:17 PM
nicklds$25.00$25.0010/5/2010 3:23:27 PM
JohnGalt79$100.00$100.0010/5/2010 3:23:50 PM
objective-investor$100.00$100.0010/5/2010 3:23:45 PM
radforj22$25.00$25.0010/5/2010 3:23:56 PM
mla$25.00$25.0010/5/2010 3:24:03 PM
tech310$50.00$50.0010/5/2010 3:24:36 PM
moola-wildebeest3$50.00$50.0010/5/2010 3:25:43 PM
ichibon$150.00$150.0010/5/2010 3:25:55 PM
tntmojave$25.00$25.0010/5/2010 3:26:36 PM
elfincove$50.00$50.0010/5/2010 3:26:23 PM
agiovasil$25.00$25.0010/5/2010 3:20:54 PM
brother_tam$50.00$50.0010/5/2010 3:27:16 PM
studious-bonus7$100.00$100.0010/5/2010 3:21:30 PM
herbyman$50.00$50.0010/5/2010 3:23:08 PM
marketplace-cello5$50.00$50.0010/5/2010 3:25:09 PM
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dospapalotes$50.00$50.0010/5/2010 5:03:48 PM
WarmWeather$50.00$50.0010/5/2010 5:19:35 PM
BaileyBrothers$50.00$50.0010/5/2010 4:51:55 PM
Interstate_Rate$100.00$100.0010/5/2010 5:34:23 PM
lending-bear$50.00$50.0010/5/2010 4:52:31 PM
triumph329$25.00$25.0010/5/2010 4:53:33 PM
DasCoon$42.77$42.7710/5/2010 5:19:31 PM
jrbill1998$50.00$50.0010/5/2010 5:20:01 PM
blue-useful-auction$25.00$25.0010/5/2010 6:57:13 PM
E_G$50.00$50.0010/5/2010 9:17:51 PM
tylerfd$25.00$25.0010/6/2010 12:51:56 AM
Asynch$25.00$25.0010/5/2010 9:08:09 PM
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cablenews$25.00$25.0010/6/2010 1:14:38 AM
asset-professor$50.00$50.0010/6/2010 2:10:18 AM
tender-gold$28.21$28.2110/6/2010 2:07:22 AM
lendme2$75.00$75.0010/6/2010 9:59:34 AM
thunderd$25.00$25.0010/6/2010 10:29:04 AM
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ti22ring$30.00$30.0010/7/2010 5:04:30 PM
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kapahua$50.00$50.0010/7/2010 4:21:27 PM
life-is-great$50.00$50.0010/7/2010 4:40:05 PM
nickel-hickory$25.00$25.0010/7/2010 5:05:03 PM
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6moonbeams$200.00$200.0010/8/2010 12:33:07 PM
dollardave$100.00$100.0010/8/2010 12:13:26 PM
SpectrumCen$30.00$30.0010/8/2010 5:26:28 PM
wealth-carrier$25.00$25.0010/8/2010 7:39:53 PM
harmonious-moola7$50.00$50.0010/8/2010 4:49:23 PM
CasaDeTomas$25.00$25.0010/8/2010 8:49:13 PM
Bendistraw$50.00$50.0010/9/2010 11:52:53 AM
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gold-sushi$25.00$25.0010/9/2010 12:27:46 PM
cxl9$50.00$50.0010/9/2010 2:02:47 PM
gallant-economy9$25.00$25.0010/10/2010 10:10:01 AM
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LendDoc$50.00$50.0010/5/2010 3:57:59 PM
Randini$50.00$50.0010/5/2010 4:53:52 PM
sweet-peace6$50.00$50.0010/5/2010 6:22:21 PM
trustu$39.43$39.4310/6/2010 1:13:25 AM
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AK49-JW$25.84$25.8410/10/2010 5:13:15 PM
reward-planetarium$100.00$100.0010/11/2010 2:22:49 PM
red-robust-rupee$25.00$25.0010/11/2010 2:12:47 PM
Phantom99$25.00$25.0010/11/2010 3:05:43 PM
108lender$96.93$96.9310/11/2010 3:03:27 PM
titan1$25.00$25.0010/11/2010 3:07:32 PM
Charlieofalbany$25.00$25.0010/11/2010 3:13:49 PM
point-shooter$50.00$50.0010/11/2010 4:30:38 PM
natural-greenback6$25.00$25.0010/11/2010 8:12:47 PM
Easystreet$25.00$25.0010/11/2010 10:14:39 PM
buckyhead2000$25.00$25.0010/11/2010 3:10:44 PM
All_Wins$25.00$25.0010/12/2010 8:04:50 AM
rhodylend$25.00$25.0010/11/2010 4:47:50 PM
BangBros$50.00$50.0010/12/2010 9:33:07 AM
money-corps8$100.00$100.0010/12/2010 9:33:16 AM
BenOrt$50.00$50.0010/12/2010 9:35:41 AM
catterpillar$43.62$43.6210/12/2010 8:42:45 AM
MissionMicroFinance$25.00$25.0010/12/2010 10:25:04 AM
Beachbum27$25.00$25.0010/12/2010 10:28:41 AM
super100$50.00$50.0010/12/2010 10:31:30 AM
preventivepestcontrol$75.00$75.0010/12/2010 11:23:37 AM
credit-panda1$25.00$25.0010/12/2010 10:54:04 AM
jeg3k$50.00$50.0010/12/2010 10:28:00 AM
trade-caper$25.00$25.0010/12/2010 12:35:42 PM
rogue_monster$50.00$50.0010/12/2010 11:53:19 AM
YellowJacket$25.00$25.0010/12/2010 12:36:24 PM
ClearLake$25.00$25.0010/12/2010 12:36:35 PM
loot-heart$50.00$50.0010/12/2010 12:36:39 PM
bodascafe$25.00$25.0010/12/2010 12:36:58 PM
iolaire$25.00$25.0010/12/2010 12:43:24 PM
crenen139$25.00$25.0010/12/2010 10:30:49 AM
peso-genome$50.00$50.0010/12/2010 1:03:37 PM
agile$50.00$50.0010/12/2010 10:37:55 AM
peace-saber0$25.00$25.0010/12/2010 10:39:18 AM
greenbackapult9$50.00$50.0010/12/2010 12:36:03 PM
loan-wasp$35.37$35.3710/12/2010 12:36:10 PM
Picopie$50.00$50.0010/12/2010 12:36:30 PM
loan-master996$49.99$49.9910/12/2010 12:36:38 PM
Oupa-George$25.00$25.0010/12/2010 12:37:35 PM
ready-currency$25.00$25.0010/12/2010 1:22:59 PM
ethicalhumanist$50.00$50.0010/12/2010 12:39:49 PM
ShhDragon$25.00$25.0010/12/2010 12:52:48 PM
stylish-transaction$25.00$25.0010/12/2010 1:03:35 PM
Lender0424$50.00$50.0010/12/2010 11:53:29 AM
ChicagoBoyz$25.00$25.0010/12/2010 12:18:00 PM
_NaLNaBB$300.00$300.0010/12/2010 12:29:21 PM
excellent-greenback$50.00$50.0010/12/2010 2:12:54 PM
ramsba$45.70$45.7010/12/2010 12:35:41 PM
Clambake$33.38$33.3810/12/2010 12:36:06 PM
Rivervale_Westwood$25.00$25.0010/12/2010 12:36:22 PM
Ripsaw4U$44.14$44.1410/12/2010 12:36:33 PM
anders94$25.00$25.0010/12/2010 12:38:47 PM
gokart83$25.00$25.0010/12/2010 1:03:34 PM
289 bids
 
Borrower Payment Dependent Notes Series 478351
This series of Notes was issued and sold upon the funding of the borrower loan #44981, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-08-2010 
  Auction end date:  Oct-15-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $308.20
 
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: Oct-1996 Debt/Income ratio: 20%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Tradesman - Plumber
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,096Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: gain-arboretum9 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? pay on a medical bill that was aquired from the birth of our daughter.

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lendstats_com$25.00$25.0010/8/2010 3:19:54 PM
papaloha$25.00$25.0010/8/2010 3:22:11 PM
tech310$50.00$50.0010/8/2010 3:26:57 PM
loan-adventurer7$50.00$50.0010/8/2010 3:28:57 PM
ingenious-deal6$25.00$25.0010/8/2010 3:21:23 PM
AlexTrep$50.00$50.0010/8/2010 3:21:33 PM
bid-czar8$25.00$25.0010/8/2010 3:25:10 PM
agiovasil$25.00$25.0010/11/2010 9:43:07 AM
all_of_that_one$34.00$34.0010/11/2010 7:22:43 PM
Papa_Mema$50.00$50.0010/11/2010 8:27:45 PM
Artist_Blue$25.00$25.0010/12/2010 6:08:34 AM
gentle-social0$25.00$25.0010/12/2010 9:33:58 AM
simplelender80$25.00$25.0010/12/2010 10:54:09 AM
crenen139$25.00$25.0010/12/2010 10:29:59 AM
whatknows$25.00$25.0010/12/2010 11:49:12 AM
the-determined-value$50.00$50.0010/12/2010 3:01:16 PM
kulender$100.00$100.0010/12/2010 3:14:52 PM
noble-revenue$100.00$100.0010/12/2010 3:15:59 PM
DSFinancial$50.00$50.0010/12/2010 4:39:48 PM
graceful-investment$100.00$100.0010/12/2010 5:14:06 PM
SolarMoonshine$25.00$25.0010/12/2010 6:17:36 PM
generous-deal6$25.00$25.0010/13/2010 3:02:59 PM
dcap3$50.00$50.0010/14/2010 5:19:20 AM
MadHun$100.00$100.0010/14/2010 8:53:51 AM
AF-Chief$35.03$35.0310/14/2010 9:50:27 AM
asiaratt$50.00$50.0010/14/2010 9:50:38 AM
gold-channel2$31.09$31.0910/14/2010 2:56:01 PM
life-is-great$50.00$50.0010/14/2010 2:58:50 PM
escharfer$25.00$25.0010/14/2010 3:50:50 PM
numitor$50.00$50.0010/14/2010 3:50:59 PM
SLN-10$50.00$50.0010/14/2010 2:59:57 PM
seisen$100.00$100.0010/14/2010 4:49:36 PM
JAVEHE$50.00$50.0010/14/2010 2:25:34 PM
bill-mushroom$25.00$25.0010/14/2010 3:50:44 PM
assetmanager$25.00$25.0010/14/2010 5:37:45 PM
barefootpaul$35.00$35.0010/14/2010 2:56:10 PM
happy-return4$48.58$48.5810/14/2010 5:18:36 PM
gallant-economy9$327.73$327.7310/14/2010 2:59:31 PM
psa1995$25.00$25.0010/14/2010 3:50:44 PM
burrito6$25.00$25.0010/14/2010 4:49:36 PM
johnayan$47.58$47.5810/15/2010 7:18:07 AM
doncm$50.00$50.0010/15/2010 7:18:22 AM
head$25.00$25.0010/15/2010 7:18:44 AM
nodrivelpls$25.00$25.0010/15/2010 7:19:02 AM
first-listing-expert$25.00$25.0010/15/2010 7:25:12 AM
credit-wheel7$26.17$26.1710/15/2010 8:57:08 AM
patriot384$60.00$60.0010/15/2010 7:13:18 AM
Speculator$50.00$50.0010/15/2010 7:18:14 AM
the-bid-sorcerer$50.00$50.0010/15/2010 7:18:29 AM
GElender$25.00$25.0010/15/2010 7:18:33 AM
MADAOO7$25.96$25.9610/15/2010 7:19:03 AM
EBITDA$25.00$25.0010/15/2010 7:19:26 AM
BeanCownter$25.00$25.0010/15/2010 7:25:19 AM
generosity-giraffe0$25.00$25.0010/15/2010 9:31:38 AM
valiant-liberty4$25.00$25.0010/15/2010 9:44:31 AM
balance-warrior$25.00$25.0010/15/2010 8:23:44 AM
famous-bill$25.00$25.0010/15/2010 9:04:37 AM
droopie1$25.00$25.0010/15/2010 9:11:16 AM
kind-bill-supporter$50.00$50.0010/15/2010 9:12:27 AM
thrifty-return$35.00$35.0010/15/2010 7:18:25 AM
friendly-credit2$25.00$25.0010/15/2010 7:18:38 AM
aldeed$50.00$50.0010/15/2010 7:18:41 AM
Sateesh$28.55$28.5510/15/2010 7:18:57 AM
bonFire8$25.52$25.5210/15/2010 7:19:00 AM
hopeful-asset9$25.00$25.0010/15/2010 7:25:21 AM
wise-silver-wonder$25.00$25.0010/15/2010 9:43:14 AM
ColoradoCamping$25.89$25.8910/15/2010 8:03:10 AM
EngineersAlliance$50.00$50.0010/15/2010 10:07:24 AM
rvfbroker$25.00$25.0010/15/2010 10:07:31 AM
red-power-pecan$50.00$50.0010/15/2010 9:11:17 AM
Leshan$25.00$25.0010/15/2010 11:39:16 AM
Sibelius2$25.00$25.0010/15/2010 9:41:25 AM
selfmademan$25.00$25.0010/15/2010 10:07:30 AM
social-zebra$27.00$27.0010/15/2010 1:33:50 PM
natural-greenback6$25.00$25.0010/8/2010 3:31:02 PM
handshake5$100.00$100.0010/8/2010 3:24:56 PM
moola-wildebeest3$25.00$25.0010/8/2010 3:27:55 PM
w3alter$50.00$50.0010/8/2010 8:42:54 PM
soulful-truth$1,000.00$1,000.0010/9/2010 8:18:59 PM
bold-shrewd-duty$27.11$27.1110/11/2010 11:03:52 PM
rescue$100.00$100.0010/12/2010 3:16:42 PM
consummate-loyalty1$40.44$40.4410/12/2010 3:17:04 PM
economy-producer$25.00$25.0010/12/2010 3:04:10 PM
radiant-loan5$100.00$100.0010/12/2010 4:02:58 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:14 PM
teller$50.00$50.0010/12/2010 6:18:44 PM
shrewd-peace7$50.00$50.0010/12/2010 4:58:27 PM
jubilant-agreement0$25.00$25.0010/12/2010 9:31:00 PM
b-rent$25.00$25.0010/13/2010 9:49:15 AM
TakeCare$60.00$60.0010/13/2010 10:54:34 AM
villagers$33.10$33.1010/13/2010 11:53:07 AM
FeedTheMachine$100.00$100.0010/13/2010 7:42:46 PM
cash-spark3$50.00$50.0010/14/2010 12:39:35 AM
IIP77$25.00$25.0010/14/2010 5:44:15 AM
108lender$56.01$56.0110/14/2010 12:13:54 PM
anton$300.00$300.0010/14/2010 2:36:05 PM
important-openness1$58.61$58.6110/14/2010 3:50:45 PM
youthful-greenback3$25.00$25.0010/14/2010 4:39:14 PM
mtquan$25.00$25.0010/14/2010 4:48:49 PM
payment-gusto$25.00$25.0010/14/2010 3:49:48 PM
kegs$30.25$30.2510/14/2010 3:50:46 PM
momoney2lend$25.00$25.0010/14/2010 4:07:42 PM
FASTIZIO_P$27.00$27.0010/14/2010 2:55:35 PM
RMB-Investments$50.00$50.0010/14/2010 4:49:35 PM
musegaze$100.00$100.0010/14/2010 5:32:58 PM
jubilant-auction5$25.00$25.0010/14/2010 2:59:26 PM
larrybird$150.00$150.0010/14/2010 2:59:35 PM
airrbob$50.00$50.0010/14/2010 3:49:55 PM
ferocious-exchange3$50.00$50.0010/14/2010 3:50:46 PM
Rdodson11$25.00$25.0010/15/2010 1:19:09 AM
asmithj$27.35$27.3510/15/2010 1:53:27 AM
tspyz$50.00$50.0010/14/2010 11:09:14 PM
peaceful-bazaar497$40.00$40.0010/14/2010 7:25:36 PM
Wellman$50.00$50.0010/15/2010 6:31:21 AM
Comoparklender$40.00$40.0010/15/2010 1:53:38 AM
jybank$25.00$25.0010/14/2010 8:32:43 PM
treasure-bliss$50.00$50.0010/15/2010 3:27:47 AM
zone6$100.00$100.0010/15/2010 5:33:35 AM
JoyfulVegetarian$25.00$25.0010/15/2010 7:18:10 AM
bold-yield-rumbler$25.00$25.0010/15/2010 7:18:39 AM
givingguy$25.00$25.0010/15/2010 12:07:56 AM
S-Master$50.00$50.0010/15/2010 7:25:08 AM
ElAbel11$25.00$25.0010/15/2010 7:37:31 AM
PatRichi$25.00$25.0010/15/2010 9:04:33 AM
RandB_CPAs$50.00$50.0010/15/2010 9:04:53 AM
flwah$25.00$25.0010/15/2010 7:14:48 AM
bountiful-durability$37.43$37.4310/15/2010 7:18:12 AM
shur$25.00$25.0010/15/2010 7:18:17 AM
blackstar$25.00$25.0010/15/2010 7:18:32 AM
mla$25.00$25.0010/15/2010 7:25:18 AM
ramsba$50.00$50.0010/15/2010 9:31:36 AM
bnlforever$25.00$19.6010/15/2010 10:12:50 AM
red-unequivocal-finance$25.00$25.0010/15/2010 9:20:59 AM
Cybercusp$25.00$25.0010/15/2010 7:18:36 AM
compassionate-fairness6$25.00$25.0010/15/2010 7:18:40 AM
platinum-rapture6$50.00$50.0010/15/2010 7:18:52 AM
miked8303$25.00$25.0010/15/2010 9:31:39 AM
lagnisiruk$25.00$25.0010/15/2010 7:25:15 AM
Sokarnox$25.00$25.0010/15/2010 9:42:04 AM
LAM26$25.00$25.0010/15/2010 9:43:30 AM
well-mannered-marketplace5$25.00$25.0010/15/2010 8:03:13 AM
marketplace-cello5$25.00$25.0010/15/2010 8:03:17 AM
trade-caper$25.00$25.0010/15/2010 8:39:19 AM
wwwUniversal$25.00$25.0010/15/2010 10:49:09 AM
Whitewater_Loans$25.00$25.0010/15/2010 11:39:06 AM
chemistry220$50.00$50.0010/15/2010 9:20:55 AM
neutrino6$25.00$25.0010/15/2010 9:41:50 AM
irrelevant$25.00$25.0010/15/2010 10:06:47 AM
lucrative-coin$50.00$50.0010/15/2010 1:57:15 PM
Shanester$25.00$25.0010/15/2010 11:37:08 AM
HammerSmith$25.00$25.0010/15/2010 1:23:30 PM
yu-rik$40.00$40.0010/15/2010 1:57:18 PM
152 bids
 
Borrower Payment Dependent Notes Series 478483
This series of Notes was issued and sold upon the funding of the borrower loan #44957, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-07-2010 
  Auction end date:  Oct-14-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $246.56
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $246.56
 
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): 8 First credit line: Jul-1998 Debt/Income ratio: 20%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,350Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: commitment-genome 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
Wedding Expenses
I am getting married the 23rd of this month and weddings aren't cheap. I am looking for a good cushion of extra funds for those just-in-case expenses. My past delinquencies were over 3 years ago, after I had graduated from college that I paid for by myself. Although I have been at my current position less than a year, I have been in the same software development industry for over 5 years. Thank you so much for your consideration!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what are your current fixed monthly income and expenses? - beakerfish
A: My monthly income after taxes is: ~$3500.00 My Fixed Expenses include: $550 Rent(Live with my fiance, she pays half) $400 Utilities(Electricity, Cable, Phone, Cell Phone) $250 Student Loan $500 Other CC Bills $90 Car Insurance ---------------------------------- $1790 Total Fixed Expenses I drive a truck that is paid for. (Oct-07-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
AlexTrep$50.00$50.0010/7/2010 2:42:37 PM
handshake5$100.00$100.0010/7/2010 2:48:21 PM
moola-wildebeest3$25.00$25.0010/7/2010 2:50:47 PM
loan-adventurer7$25.00$25.0010/7/2010 2:51:59 PM
beakerfish$50.00$50.0010/8/2010 6:46:09 PM
soulful-truth$125.00$125.0010/9/2010 8:27:42 PM
Papa_Mema$25.43$25.4310/10/2010 6:49:07 PM
all_of_that_one$40.00$40.0010/11/2010 2:12:55 PM
kulender$50.00$50.0010/11/2010 3:04:50 PM
consummate-loyalty1$83.01$83.0110/11/2010 3:27:43 PM
crenen139$25.00$25.0010/12/2010 10:29:50 AM
whatknows$25.00$25.0010/12/2010 11:49:02 AM
JAVEHE$50.00$50.0010/12/2010 3:03:06 PM
life-is-great$26.17$26.1710/12/2010 3:16:35 PM
teller$50.00$50.0010/12/2010 3:01:17 PM
radiant-loan5$100.00$100.0010/12/2010 4:02:48 PM
DSFinancial$50.00$50.0010/12/2010 4:39:38 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:10 PM
asiaratt$50.00$50.0010/12/2010 9:29:48 PM
generous-deal6$25.00$25.0010/12/2010 7:57:57 PM
numitor$50.00$50.0010/12/2010 9:29:58 PM
SLN-10$50.00$50.0010/12/2010 9:30:05 PM
head$25.00$25.0010/12/2010 11:19:00 PM
escharfer$25.00$25.0010/13/2010 9:48:57 AM
TakeCare$60.00$60.0010/13/2010 10:54:27 AM
seisen$100.00$100.0010/13/2010 11:38:10 AM
S-Master$50.00$50.0010/13/2010 2:59:11 PM
the-silver-blaster$50.00$50.0010/13/2010 3:04:52 PM
circuitfive$25.00$25.0010/13/2010 3:00:02 PM
asmithj$50.00$50.0010/13/2010 3:00:07 PM
siuflightboy$50.00$50.0010/13/2010 3:04:15 PM
squarebob$25.00$25.0010/13/2010 3:20:56 PM
mamasbeachhouse$200.00$200.0010/13/2010 5:00:58 PM
credit-sycamore4$50.00$50.0010/13/2010 3:07:42 PM
julsal$50.00$50.0010/13/2010 3:07:55 PM
irrelevant$25.00$25.0010/13/2010 7:53:49 PM
IIP77$25.00$25.0010/13/2010 11:24:34 PM
bountiful-durability$38.83$38.8310/13/2010 11:38:22 PM
bill-mushroom$25.00$25.0010/14/2010 12:42:39 AM
pbo922$25.00$25.0010/13/2010 11:38:49 PM
cash-spark3$50.00$50.0010/14/2010 12:39:27 AM
dcap3$50.00$50.0010/14/2010 5:19:13 AM
Rdodson11$25.00$25.0010/14/2010 5:58:15 AM
sgt-schultz$25.00$25.0010/14/2010 6:21:41 AM
Lubava$25.00$25.0010/14/2010 7:14:14 AM
SeaDevil$50.00$50.0010/14/2010 9:33:30 AM
hard-working-loot$46.64$46.6410/14/2010 9:33:33 AM
diversification-pilot$25.00$25.0010/14/2010 9:33:40 AM
greenback-amplifier$25.00$25.0010/14/2010 9:33:54 AM
prudent-dinero$25.00$25.0010/14/2010 9:33:59 AM
trade-caper$25.00$25.0010/14/2010 9:34:15 AM
wealth-hercules$25.00$25.0010/14/2010 9:35:04 AM
xzec777$25.00$25.0010/14/2010 9:35:18 AM
studious-peso$50.00$50.0010/14/2010 9:33:31 AM
gss_000$25.00$25.0010/14/2010 9:33:36 AM
wwwUniversal$25.00$25.0010/14/2010 9:42:48 AM
famous-bill$25.00$25.0010/14/2010 9:34:12 AM
well-mannered-marketplace5$25.00$25.0010/14/2010 9:34:22 AM
GInBaghdad$25.00$25.0010/14/2010 9:35:25 AM
compassionate-fairness6$25.00$25.0010/14/2010 9:35:30 AM
Leshan$25.00$25.0010/14/2010 9:39:59 AM
cash-queen$25.00$25.0010/14/2010 9:33:23 AM
affluence-tycoon$25.00$25.0010/14/2010 9:33:26 AM
dmh4880$100.00$100.0010/14/2010 9:33:34 AM
jobani$25.00$25.0010/14/2010 9:33:40 AM
iolaire$25.00$25.0010/14/2010 9:33:58 AM
aader$25.00$25.0010/14/2010 9:35:21 AM
ethicalhumanist$50.00$50.0010/14/2010 11:08:56 AM
papaloha$25.00$25.0010/7/2010 2:43:53 PM
ingenious-deal6$25.00$25.0010/7/2010 2:49:06 PM
bid-czar8$25.00$25.0010/7/2010 2:48:30 PM
tech310$50.00$50.0010/7/2010 2:49:27 PM
natural-greenback6$25.00$25.0010/7/2010 8:54:11 PM
agiovasil$25.00$25.0010/8/2010 2:39:00 AM
MikeyZ2008$36.40$36.4010/8/2010 2:28:10 PM
bold-shrewd-duty$50.00$50.0010/10/2010 7:33:08 PM
rescue$100.00$100.0010/11/2010 3:14:04 PM
the-determined-value$50.00$50.0010/11/2010 3:11:14 PM
graceful-investment$100.00$100.0010/11/2010 3:10:39 PM
jubilant-agreement0$25.00$25.0010/12/2010 6:08:46 AM
noble-revenue$100.00$100.0010/12/2010 8:40:12 AM
gentle-social0$25.00$25.0010/12/2010 9:33:49 AM
simplelender80$250.00$250.0010/12/2010 12:37:56 AM
b-rent$25.00$25.0010/12/2010 6:08:44 AM
Artist_Blue$25.00$25.0010/12/2010 8:39:51 AM
economy-producer$25.00$25.0010/12/2010 10:48:12 AM
Thylow$93.10$93.1010/12/2010 3:18:13 PM
villagers$50.00$50.0010/12/2010 3:16:13 PM
SolarMoonshine$25.00$25.0010/12/2010 6:14:06 PM
musegaze$37.22$37.2210/12/2010 6:03:32 PM
shrewd-peace7$25.00$25.0010/12/2010 4:53:29 PM
icecoldcash$25.00$25.0010/12/2010 9:29:36 PM
networks4ever$25.00$25.0010/13/2010 8:37:50 AM
MarinLoans$25.00$25.0010/13/2010 8:47:45 AM
richboy56$25.00$25.0010/13/2010 8:52:51 AM
108lender$34.89$34.8910/13/2010 7:43:00 AM
gallant-economy9$42.09$42.0910/13/2010 8:58:46 AM
jubilant-auction5$25.00$25.0010/13/2010 9:49:14 AM
CC911$25.00$25.0010/13/2010 2:43:04 PM
gold-channel2$38.72$38.7210/13/2010 2:59:43 PM
barefootpaul$35.00$35.0010/13/2010 3:02:32 PM
ashot12$50.00$50.0010/13/2010 3:07:45 PM
cybernosha$25.00$25.0010/13/2010 3:07:40 PM
larrybird$150.00$150.0010/13/2010 3:04:47 PM
debtcollector$25.00$25.0010/13/2010 3:07:40 PM
FeedTheMachine$100.00$100.0010/13/2010 7:42:38 PM
JoyfulVegetarian$25.00$25.0010/13/2010 10:32:57 PM
E-B$50.00$50.0010/14/2010 3:22:28 AM
retirementlady$25.00$25.0010/14/2010 8:23:42 AM
order-gondola$50.00$50.0010/14/2010 9:33:27 AM
trimwork99$25.00$25.0010/14/2010 9:33:31 AM
velocity-motivator6$25.00$25.0010/14/2010 9:33:34 AM
autonomous-basis$25.00$25.0010/14/2010 9:33:56 AM
red-unequivocal-finance$25.00$25.0010/14/2010 9:34:03 AM
inventive-exchange$25.00$25.0010/14/2010 9:34:30 AM
Comoparklender$34.89$34.8910/13/2010 11:44:10 PM
marketplace-cello5$25.00$25.0010/14/2010 9:35:15 AM
Mailman2004$50.00$50.0010/14/2010 9:35:26 AM
jybank$25.00$25.0010/14/2010 12:16:38 AM
jo2y$25.00$25.0010/14/2010 9:12:46 AM
social-conductor4$25.00$25.0010/14/2010 9:33:21 AM
benevolent-bonus$25.00$25.0010/14/2010 9:33:28 AM
stoopidnoodle$25.00$25.0010/14/2010 9:33:33 AM
orange-dollar-guild$25.00$25.0010/14/2010 9:34:02 AM
ColoradoCamping$50.00$50.0010/14/2010 9:34:18 AM
Preferred-Lender$25.00$25.0010/14/2010 9:34:30 AM
eadamson$50.00$50.0010/14/2010 9:35:16 AM
rick446$37.42$37.4210/14/2010 9:35:22 AM
RickColo$25.00$25.0010/14/2010 9:35:29 AM
aldeed$50.00$14.0210/14/2010 9:35:31 AM
bondhedger$25.00$25.0010/14/2010 9:37:31 AM
calkidd05$25.00$25.0010/14/2010 8:23:40 AM
MadHun$100.00$100.0010/14/2010 8:53:43 AM
branaa99$25.00$25.0010/14/2010 9:52:06 AM
funtwosay$25.00$25.0010/14/2010 9:33:25 AM
firewomin$25.00$25.0010/14/2010 9:33:32 AM
sturdy-fairness5$25.00$25.0010/14/2010 9:33:37 AM
yield-aurora$25.00$25.0010/14/2010 9:33:49 AM
credit-wheel7$26.17$26.1710/14/2010 9:34:14 AM
bklynborn424$25.00$25.0010/14/2010 9:34:35 AM
turbolozano$25.00$25.0010/14/2010 9:34:40 AM
dime-vista2$75.00$75.0010/14/2010 11:37:01 AM
FASTIZIO_P$25.00$25.0010/14/2010 9:40:34 AM
Green-Baron$25.00$25.0010/14/2010 9:59:22 AM
144 bids
 
Borrower Payment Dependent Notes Series 478731
This series of Notes was issued and sold upon the funding of the borrower loan #44973, 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: 10.80% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-16-2010 
 
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): 7 First credit line: Jun-1983 Debt/Income ratio: 17%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:30y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: treasure-upholder1 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating bills
Purpose of loan:
This loan will be used to?consolidate bills, such as medical bills, ,dental bills, pay off medicines?

My financial situation:
I am a good candidate for this loan because? i pay my bills on time. i've worked over 30 years and i have been a homeowner sine 1983 and have never been late on ?a house payment and you can count on me to do the same with this bill.

Monthly net income: $ 1850

Monthly expenses: $
??Housing: $ 830.00
??Insurance: $ 119.83
??Car expenses: $248.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 84.00
??Food, entertainment: $?300
??Clothing, household expenses $?100
??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
Q: Hey. Your monthly expenses seem to be higher (1882.00) than your monthly income (1850). How do you cover this negative amount, and how do you plan on covering the extra cost of this loan? Do you have any plans for unexpected expenses? - Mention
A: my wife has a job to help cover the extra expenses (Oct-15-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
papaloha$25.00$25.0010/12/2010 9:52:59 AM
bid-czar8$25.00$25.0010/12/2010 9:58:53 AM
sfmf$25.00$25.0010/12/2010 10:04:15 AM
natural-greenback6$25.00$25.0010/12/2010 10:07:18 AM
tech310$50.00$50.0010/12/2010 10:02:19 AM
bold-attentive-listing$25.00$25.0010/12/2010 10:09:00 AM
crenen139$25.00$25.0010/12/2010 10:30:16 AM
reflective-rupee$25.00$25.0010/12/2010 1:44:06 PM
frogperson$250.00$250.0010/12/2010 10:07:18 PM
TakeCare$60.00$60.0010/13/2010 10:54:47 AM
SqueezeKing$25.00$25.0010/14/2010 9:34:35 AM
musegaze$100.00$100.0010/14/2010 5:33:08 PM
SFBank$200.00$200.0010/14/2010 7:15:25 PM
DHolly$25.00$25.0010/15/2010 5:57:15 AM
mercuriant$25.00$25.0010/15/2010 1:41:13 AM
red-power-pecan$50.00$50.0010/15/2010 9:11:35 AM
mt3209$25.00$25.0010/15/2010 6:38:53 AM
Cromag$25.00$25.0010/15/2010 7:11:02 AM
patriot384$120.00$120.0010/15/2010 10:19:28 AM
IIP77$25.00$25.0010/15/2010 12:55:14 PM
Miklot$75.00$75.0010/15/2010 12:20:09 PM
NoCal$30.00$30.0010/15/2010 11:54:36 AM
bold-shrewd-duty$50.00$50.0010/15/2010 3:45:58 PM
BigGuyBank$25.00$25.0010/15/2010 5:55:43 PM
cashhelp$25.00$25.0010/15/2010 4:14:12 PM
graceful-investment$100.00$100.0010/15/2010 4:14:35 PM
cognizant-rate732$25.00$25.0010/16/2010 12:32:58 AM
wwwUniversal$25.00$25.0010/16/2010 2:32:33 AM
inspiring-reward$100.00$75.8810/16/2010 10:30:00 AM
mpatrick$25.00$25.0010/16/2010 4:45:15 PM
ingenious-deal6$25.00$25.0010/12/2010 10:00:57 AM
handshake5$100.00$100.0010/12/2010 9:58:38 AM
AlexTrep$50.00$50.0010/12/2010 10:14:39 AM
BrLender$25.00$25.0010/12/2010 10:27:35 AM
gentle-social0$25.00$25.0010/12/2010 3:17:23 PM
noble-revenue$100.00$100.0010/12/2010 3:48:31 PM
radiant-loan5$100.00$100.0010/12/2010 4:03:13 PM
shrewd-peace7$50.00$50.0010/12/2010 4:58:41 PM
blue-useful-auction$25.00$25.0010/12/2010 5:09:48 PM
worthy-bid8$25.00$25.0010/12/2010 5:23:25 PM
teller$50.00$50.0010/12/2010 6:19:07 PM
all_of_that_one$30.00$30.0010/13/2010 7:09:02 AM
MadHun$100.00$100.0010/14/2010 8:54:04 AM
simplelender80$73.02$73.0210/14/2010 9:50:52 AM
well-mannered-income3$25.00$25.0010/14/2010 1:23:52 PM
anton$300.00$300.0010/14/2010 2:36:11 PM
Free-the-usa-1776$25.00$25.0010/14/2010 11:05:40 PM
rescue$30.00$30.0010/14/2010 7:18:51 PM
Wellman$50.00$50.0010/15/2010 6:31:34 AM
flwah$25.00$25.0010/15/2010 7:15:08 AM
missing-link$51.10$51.1010/15/2010 7:52:10 AM
Whipster$25.00$25.0010/15/2010 10:47:28 AM
money-bauble$100.00$100.0010/15/2010 1:08:40 PM
scoobiedoo$25.00$25.0010/15/2010 2:18:30 PM
Papa_Mema$50.00$50.0010/15/2010 3:45:55 PM
reward-adventure$30.00$30.0010/15/2010 5:21:08 PM
EBITDA$25.00$25.0010/15/2010 4:08:19 PM
mrladybug101$50.00$50.0010/15/2010 6:08:22 PM
Bob450$25.00$25.0010/15/2010 8:17:10 PM
ah-long$50.00$50.0010/15/2010 11:04:19 PM
loan-fate$50.00$50.0010/16/2010 2:29:51 AM
orange-preeminant-bill$50.00$50.0010/16/2010 12:53:58 AM
zorg77$25.00$25.0010/16/2010 6:52:54 AM
EngineersAlliance$100.00$100.0010/16/2010 10:32:46 AM
64 bids
 
Borrower Payment Dependent Notes Series 478773
This series of Notes was issued and sold upon the funding of the borrower loan #44969, 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: 14.20% Auction start date:  Oct-12-2010 
  Auction end date:  Oct-19-2010 
 
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: 13.71% - 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): 5 First credit line: Nov-1998 Debt/Income ratio: 11%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:28y 2m
Amount delinquent: $435 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: capital-baker1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills
Purpose of loan:
This loan will be used to pay off some? unexpected medical expenses

My financial situation:
I am a good candidate for this loan because I have been gainfully employed for over 25 years

Monthly net income: $ 8862.00

Monthly expenses: $
??Housing: $ 1327.00
??Insurance: $ 150.00
??Car expenses: $?385.00
??Utilities: $ 500.00
??Phone, cable, internet: $?285.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 400.00
??Credit cards and other loans: $ 450.00
??Other expenses: $ 250.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What exactly is your occupation? Thanks - RecoveryLender
A: I am a Youth Supervisor IV, the equivalent to a Captain for the Illinois Department of Corrections Juvenile Division. I supervise a daily staff of approximately 40 and manage approximately 100 - 125 juvenile inmates of medium security on a daily basis. (Oct-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
handshake5$100.00$100.0010/12/2010 9:58:39 AM
papaloha$25.00$25.0010/12/2010 9:53:00 AM
bid-czar8$25.00$25.0010/12/2010 9:58:53 AM
crenen139$25.00$25.0010/12/2010 10:30:17 AM
worthy-bid8$25.00$25.0010/12/2010 5:23:26 PM
radiant-loan5$100.00$100.0010/12/2010 4:03:14 PM
all_of_that_one$30.00$30.0010/13/2010 7:09:03 AM
MadHun$100.00$100.0010/14/2010 8:54:05 AM
anton$300.00$300.0010/14/2010 2:36:14 PM
simplelender80$25.00$25.0010/14/2010 2:59:05 PM
Cash_Angel$25.00$25.0010/14/2010 7:43:09 PM
rescue$25.00$25.0010/14/2010 8:44:59 PM
NoCal$30.00$30.0010/15/2010 11:54:36 AM
Miklot$73.98$73.9810/15/2010 1:19:10 PM
ah-long$50.00$50.0010/15/2010 11:04:20 PM
orange-preeminant-bill$50.00$50.0010/16/2010 12:53:59 AM
contract-happiness1$25.00$25.0010/16/2010 2:32:31 AM
zorg77$25.00$25.0010/16/2010 6:52:54 AM
inspiring-reward$100.00$100.0010/16/2010 10:29:22 AM
capital-galaxy$200.00$200.0010/16/2010 2:38:24 PM
larryboy10$25.00$25.0010/16/2010 9:26:00 PM
lending-theory$25.00$25.0010/17/2010 6:53:49 AM
thorough-exchange4$50.00$50.0010/17/2010 6:34:26 PM
reward-adventure$50.00$50.0010/17/2010 4:41:33 PM
jigsaw$50.00$50.0010/18/2010 5:29:06 AM
honorable-yield$25.00$25.0010/18/2010 7:24:52 AM
brainy-deal$25.00$25.0010/18/2010 6:04:58 AM
168RichCapital$28.60$28.6010/18/2010 8:15:51 AM
helping-out$100.00$100.0010/18/2010 8:13:05 AM
zwd12$100.00$100.0010/18/2010 9:45:58 AM
runner262$25.00$25.0010/18/2010 9:35:42 AM
healthy-commerce$25.00$25.0010/18/2010 1:23:31 PM
capital-galaxy$100.00$100.0010/18/2010 12:43:13 PM
rogue_monster$25.00$25.0010/18/2010 1:07:38 PM
tearingstar$25.00$25.0010/18/2010 12:40:59 PM
kindness-hickory5$25.00$25.0010/18/2010 2:34:00 PM
gizzywump$50.00$50.0010/18/2010 3:50:25 PM
whatknows$25.00$25.0010/18/2010 3:39:01 PM
asiaratt$50.00$50.0010/18/2010 5:04:08 PM
Shepherd7$50.00$50.0010/18/2010 4:13:48 PM
burrito6$25.00$25.0010/18/2010 5:06:42 PM
the-upbeat-p2p$50.00$50.0010/18/2010 5:35:01 PM
Pitufo$50.00$50.0010/18/2010 5:49:58 PM
calinno2$25.00$25.0010/18/2010 5:15:59 PM
RecoveryLender$25.00$25.0010/18/2010 8:00:32 PM
DasMula$25.00$25.0010/18/2010 7:34:10 PM
papaman$25.00$25.0010/18/2010 8:39:06 PM
the-silver-blaster$50.00$50.0010/18/2010 8:39:56 PM
jybank$25.00$25.0010/18/2010 9:04:13 PM
minddoc$25.00$25.0010/18/2010 9:05:09 PM
Bob450$25.00$25.0010/18/2010 10:14:36 PM
ingenious-deal6$25.00$25.0010/12/2010 10:00:58 AM
AlexTrep$50.00$50.0010/12/2010 10:14:17 AM
natural-greenback6$25.00$25.0010/12/2010 10:07:19 AM
noble-revenue$50.00$50.0010/12/2010 3:15:42 PM
gentle-social0$25.00$25.0010/12/2010 3:17:24 PM
HelpfulLender1$25.00$25.0010/12/2010 3:17:37 PM
shrewd-peace7$50.00$50.0010/12/2010 4:58:41 PM
teller$50.00$50.0010/12/2010 6:19:08 PM
TakeCare$60.00$60.0010/13/2010 10:54:47 AM
villagers$25.00$25.0010/14/2010 9:43:14 AM
musegaze$100.00$100.0010/14/2010 5:33:08 PM
red-power-pecan$50.00$50.0010/15/2010 9:11:36 AM
Wellman$50.00$50.0010/15/2010 6:31:36 AM
flwah$25.00$25.0010/15/2010 7:15:09 AM
bold-shrewd-duty$25.00$25.0010/15/2010 10:21:36 AM
money-bauble$100.00$100.0010/15/2010 1:08:41 PM
IIP77$25.00$25.0010/15/2010 3:35:03 PM
graceful-investment$36.70$36.7010/15/2010 4:14:35 PM
reward-adventure$30.00$30.0010/15/2010 5:21:09 PM
cognizant-rate732$25.00$25.0010/16/2010 12:32:59 AM
shmb6508$50.00$50.0010/16/2010 12:59:02 PM
best-unbeatable-transaction$25.00$25.0010/16/2010 2:37:58 PM
investment-artist$25.00$25.0010/17/2010 3:08:27 PM
SolarMoonshine$25.00$25.0010/17/2010 6:36:44 PM
loan-kung-fu$25.00$25.0010/18/2010 3:23:29 AM
tech310$50.00$50.0010/18/2010 1:03:56 AM
agiovasil$25.00$25.0010/18/2010 6:28:12 AM
capital-galaxy$100.00$100.0010/18/2010 5:55:34 AM
hard-working-loot$25.00$25.0010/18/2010 5:57:56 AM
extraordinary-transaction$25.00$25.0010/18/2010 6:44:56 AM
b-rent$25.00$25.0010/18/2010 8:47:50 AM
wampum-chorus3$25.00$25.0010/18/2010 10:19:42 AM
NewPairOfShoes$25.00$25.0010/18/2010 9:34:54 AM
lobstahlender$25.00$25.0010/18/2010 12:16:01 PM
orderly-leverage$50.00$50.0010/18/2010 11:40:03 AM
DreamsDoComeTrue$75.00$75.0010/18/2010 2:05:42 PM
Papa_Mema$50.00$50.0010/18/2010 3:38:38 PM
economy-producer$25.00$25.0010/18/2010 3:39:15 PM
asmithj$50.00$50.0010/18/2010 3:50:19 PM
compwhiz$25.00$25.0010/18/2010 3:43:22 PM
ivadood$100.00$100.0010/18/2010 4:44:41 PM
bold-direct-asset$50.00$50.0010/18/2010 4:19:16 PM
HedgeFund$50.00$50.0010/18/2010 4:20:59 PM
treasure-bliss$50.00$50.0010/18/2010 5:04:58 PM
cunning-bill$25.00$25.0010/18/2010 5:41:41 PM
first-listing-expert$25.00$25.0010/18/2010 5:18:01 PM
nicklds$25.00$25.0010/18/2010 5:35:53 PM
newest-investment-elevator$25.00$25.0010/18/2010 6:04:29 PM
NoMoreDebt4Me$25.00$25.0010/18/2010 6:24:56 PM
truth-magma$25.00$25.0010/18/2010 8:08:54 PM
income-pillow$50.00$50.0010/18/2010 7:28:09 PM
fairness-kayak$25.00$25.0010/18/2010 7:23:09 PM
Beverly_Hills_Lender$25.00$25.0010/18/2010 8:39:09 PM
MathProfessor$25.00$25.0010/18/2010 7:58:49 PM
Comoparklender$25.33$25.3310/18/2010 9:07:46 PM
psa1995$25.00$25.0010/18/2010 8:29:48 PM
well-mannered-marketplace5$25.00$25.0010/18/2010 8:30:53 PM
towering-platinum3$50.00$50.0010/18/2010 9:54:21 PM
WorldlyWorker$25.00$25.0010/18/2010 9:38:08 PM
Soxxes$25.00$25.0010/18/2010 9:22:58 PM
iolaire$25.00$25.0010/18/2010 11:18:11 PM
KiwiElf$30.00$10.3910/19/2010 1:32:02 AM
Kqwik$50.00$50.0010/19/2010 4:23:28 AM
Ven58$25.00$25.0010/19/2010 5:37:49 AM
115 bids
 
Borrower Payment Dependent Notes Series 478801
This series of Notes was issued and sold upon the funding of the borrower loan #44947, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Oct-14-2010 
  Auction end date:  Oct-18-2010 
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $188.71
Final lender yield: 7.25% Final borrower rate/APR: 8.25% / 8.59% Final monthly payment: $188.71
 
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: 7%
Credit score: 860-879 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 38 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,869Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: imbaldjerry Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
I am simply looking to consolidate my debt so I can pay it off as quick as I possible.? I am an extremely low risk as you can tell by my credit score.? The reason my debt has increased over the last year is because I've spent a lot of money flying myself and my family to be with my mom because she has cancer.? This loan would be a huge relief as I am a very conservative person who hates deb but has had no choice lately.? Thanks.

My financial situation:
I am very financially sound.? I have been in software development for over 15 years and in addition to my day job I write mobile phone applications for the iphone and others.? This is additional income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ramsbladder$25.00$25.0010/14/2010 2:13:11 PM
ericgassercom$50.00$50.0010/14/2010 2:13:28 PM
auction-sage$50.00$50.0010/14/2010 2:15:59 PM
orange-influential-credit$225.00$225.0010/14/2010 2:16:08 PM
TennSquire$25.00$25.0010/14/2010 2:16:24 PM
alpinaut$30.00$30.0010/14/2010 2:10:32 PM
turbospeed$25.00$25.0010/14/2010 2:10:51 PM
mjunlimited$50.00$50.0010/14/2010 2:13:35 PM
tntmojave$25.00$25.0010/14/2010 2:13:43 PM
jts$25.00$25.0010/14/2010 2:14:39 PM
MJDAE$50.00$50.0010/14/2010 2:15:41 PM
roadtruck$50.00$50.0010/14/2010 2:15:54 PM
blot44$25.00$25.0010/14/2010 2:16:00 PM
noble-revenue$35.70$35.7010/14/2010 2:22:41 PM
werdnaff$25.00$25.0010/14/2010 2:17:28 PM
TakeCare$100.00$100.0010/14/2010 2:24:22 PM
penny-plato$25.00$25.0010/14/2010 2:20:06 PM
MarinLoans$25.00$25.0010/14/2010 2:23:00 PM
Veridic$25.00$25.0010/14/2010 2:12:43 PM
radforj22$50.00$50.0010/14/2010 2:13:22 PM
Marathoner$25.00$25.0010/14/2010 2:14:24 PM
psa1995$50.00$50.0010/14/2010 2:14:58 PM
chinolatino$50.00$50.0010/14/2010 2:15:03 PM
RandyL3$25.00$25.0010/14/2010 2:24:58 PM
cebgop$25.00$25.0010/14/2010 2:16:15 PM
antlr$50.00$50.0010/14/2010 2:16:42 PM
DonaldColorado$100.00$100.0010/14/2010 2:16:57 PM
SDNLR$25.00$25.0010/14/2010 2:17:03 PM
ThomasC$50.00$50.0010/14/2010 2:17:13 PM
damage$25.00$25.0010/14/2010 2:17:21 PM
ogmanny$50.00$50.0010/14/2010 2:19:21 PM
platinum-hunter7$35.00$35.0010/14/2010 4:18:27 PM
kegs$100.00$100.0010/14/2010 2:27:13 PM
thedoctor$50.00$50.0010/14/2010 8:59:45 PM
greenbacchus$25.00$25.0010/15/2010 7:07:04 AM
Go_Ducks$25.00$25.0010/15/2010 7:16:49 AM
organized-payment6$50.00$50.0010/15/2010 6:39:14 AM
marketplace-cello5$50.00$50.0010/15/2010 11:12:27 AM
dollardave$34.89$34.8910/15/2010 11:37:53 AM
blue-exuberant-economy$25.00$25.0010/15/2010 1:43:14 PM
tuxedo76$25.00$25.0010/15/2010 12:29:38 PM
retiresecure$25.00$25.0010/15/2010 3:28:24 PM
nicklds$25.00$25.0010/15/2010 5:15:59 PM
bayareainv$100.00$100.0010/15/2010 10:25:27 PM
ADenny$25.00$25.0010/15/2010 9:37:59 PM
serene-power0$25.00$25.0010/15/2010 10:21:15 PM
Duchdad$25.00$25.0010/15/2010 10:23:30 PM
dcap3$50.00$50.0010/15/2010 10:24:14 PM
TigerForce$25.00$25.0010/16/2010 5:05:41 AM
kind-value-pouch$200.00$200.0010/16/2010 4:32:50 AM
godfather4u$50.00$50.0010/16/2010 8:57:55 AM
accelerator1$25.00$25.0010/16/2010 9:35:31 AM
crjcapt$200.00$200.0010/16/2010 9:04:56 AM
solarwind$25.00$25.0010/16/2010 7:42:03 PM
Hakoola$200.00$200.0010/16/2010 9:15:53 PM
commerceasaurus-rex2$25.00$25.0010/16/2010 9:27:24 PM
ITFDEE$25.00$25.0010/16/2010 6:57:05 PM
focused-return366$25.00$25.0010/16/2010 10:48:52 PM
Dr_M$25.00$25.0010/16/2010 7:19:40 PM
Traal$25.00$25.0010/16/2010 10:28:21 PM
credit-guard5$25.00$25.0010/17/2010 1:42:27 PM
HamIAm$95.00$95.0010/18/2010 3:26:19 AM
delicious-social132$50.00$50.0010/14/2010 2:14:07 PM
cachecrew$50.00$50.0010/14/2010 2:14:14 PM
diplomatic-wealth7$100.00$100.0010/14/2010 2:14:46 PM
julijask$35.00$35.0010/14/2010 2:15:18 PM
E_G$50.00$50.0010/14/2010 2:15:35 PM
rescue$100.00$100.0010/14/2010 2:15:41 PM
Castellan$25.00$25.0010/14/2010 2:15:58 PM
GElender$50.00$50.0010/14/2010 2:16:05 PM
gold-sushi$50.00$50.0010/14/2010 2:16:31 PM
jazz619$25.00$25.0010/14/2010 2:10:28 PM
Jynxie$50.00$50.0010/14/2010 2:13:33 PM
kenji4861$50.00$50.0010/14/2010 2:14:08 PM
meenan$25.00$25.0010/14/2010 2:14:48 PM
eyal0$50.00$50.0010/14/2010 2:15:09 PM
mistertao$25.00$25.0010/14/2010 2:17:19 PM
worthy-bid8$100.00$100.0010/14/2010 2:12:07 PM
exact-gold2$50.00$50.0010/14/2010 2:12:33 PM
DukSerduk$25.00$25.0010/14/2010 2:12:37 PM
life-is-great$50.00$50.0010/14/2010 2:12:49 PM
numitor$50.00$50.0010/14/2010 2:13:39 PM
ichibon$150.00$150.0010/14/2010 2:14:18 PM
Avala$100.00$100.0010/14/2010 2:14:26 PM
larrybird$150.00$150.0010/14/2010 2:26:46 PM
andyb9$50.00$50.0010/14/2010 2:16:36 PM
fishtale$25.00$25.0010/14/2010 2:17:12 PM
diversification-pilot$25.00$25.0010/14/2010 2:17:26 PM
surfsider123$25.00$25.0010/14/2010 2:50:18 PM
generous-deal6$25.00$25.0010/14/2010 2:23:14 PM
community-saver158$25.00$25.0010/14/2010 4:14:28 PM
ray1051$75.00$75.0010/15/2010 6:28:40 AM
bobemilman$50.00$50.0010/15/2010 8:03:54 AM
Aristocrat$25.00$25.0010/15/2010 8:02:18 AM
red-unequivocal-finance$25.00$25.0010/15/2010 9:12:16 AM
cippy$25.00$25.0010/15/2010 9:34:54 AM
money-bauble$100.00$100.0010/15/2010 11:21:14 AM
ethicalhumanist$50.00$50.0010/15/2010 1:37:26 PM
seanambrose$25.00$25.0010/15/2010 1:58:49 PM
tekkie2412$50.00$50.0010/15/2010 10:24:12 PM
skuba$36.33$36.3310/16/2010 1:50:05 AM
gojackgo$50.00$50.0010/16/2010 6:27:58 AM
CleeClee$100.00$100.0010/15/2010 10:23:31 PM
rpg$75.00$75.0010/16/2010 7:32:41 AM
JedClampett$75.00$75.0010/16/2010 8:20:05 AM
debt-patriot$25.00$25.0010/16/2010 6:31:32 AM
rosie777$30.00$30.0010/16/2010 11:28:00 AM
silver-armada$50.00$50.0010/16/2010 7:47:57 AM
principal-bull$25.00$25.0010/16/2010 6:44:11 AM
interstellar$50.00$50.0010/16/2010 9:03:53 AM
sweet-platinum3$200.00$83.0810/16/2010 11:51:25 AM
Fishy014$60.00$60.0010/16/2010 7:40:52 PM
Sarspatula$25.00$25.0010/16/2010 9:28:47 PM
paixbouche$150.00$150.0010/17/2010 10:08:44 AM
generous-deal6$25.00$25.0010/17/2010 5:52:49 PM
fcrick$25.00$25.0010/18/2010 1:30:15 AM
chrisb1414$25.00$25.0010/18/2010 6:38:23 AM
117 bids
 
Borrower Payment Dependent Notes Series 479207
This series of Notes was issued and sold upon the funding of the borrower loan #44951, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-13-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $336.52
 
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: Jul-1995 Debt/Income ratio: 32%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,792Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: the-transaction-wizard Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2009)
660-679 (Aug-2009)
680-699 (Jul-2009)
680-699 (May-2009)
 
Principal balance: $4,814.12 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?install a new roof on my house and pay off my existing prosper loan.?

My financial situation:
I am a good candidate for this loan because? i have never been late on any of my credit obligations

Monthly net income: $ 4700.00????

Monthly expenses: $
??Housing: $ 799.00????
??Insurance: $ 80.00
??Car expenses: $ 1000.0
??Utilities: $ 300.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $550.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
drcoop$25.00$25.0010/13/2010 2:44:30 PM
TakeCare$60.00$60.0010/13/2010 5:48:42 PM
nilonc1$50.00$50.0010/13/2010 3:15:03 PM
reflective-rupee$100.00$100.0010/14/2010 11:47:04 AM
washboard1$50.00$50.0010/14/2010 1:48:07 PM
money-bauble$96.21$96.2110/15/2010 1:09:32 PM
loan-kung-fu$25.00$25.0010/18/2010 3:24:10 AM
jigsaw$50.00$50.0010/18/2010 5:29:57 AM
investment-artist$25.00$25.0010/18/2010 10:14:59 AM
capital-galaxy$200.00$200.0010/18/2010 12:52:09 PM
HedgeFund$50.00$50.0010/18/2010 4:21:45 PM
restless-dime$25.00$25.0010/19/2010 10:34:55 AM
lending-theory$25.00$25.0010/19/2010 11:03:47 AM
thorough-exchange4$50.00$50.0010/19/2010 11:16:15 AM
tearingstar$25.00$25.0010/19/2010 11:10:30 AM
all_of_that_one$45.00$45.0010/19/2010 11:10:49 AM
ivadood$100.00$100.0010/19/2010 11:11:07 AM
orderly-leverage$50.00$50.0010/19/2010 11:12:15 AM
orange-preeminant-bill$50.00$50.0010/19/2010 11:12:41 AM
inspiring-reward$100.00$100.0010/19/2010 11:18:54 AM
MadHun$100.00$100.0010/19/2010 11:23:06 AM
DasMula$25.00$25.0010/19/2010 1:48:50 PM
heroic-benefit$200.00$200.0010/19/2010 2:05:19 PM
helping-out$55.43$55.4310/19/2010 11:42:14 AM
contract-happiness1$25.00$25.0010/19/2010 2:44:38 PM
IIP77$25.00$25.0010/19/2010 4:10:51 PM
gold-channel2$49.76$49.7610/19/2010 4:11:07 PM
truth-magma$25.00$25.0010/19/2010 4:12:32 PM
extraordinary-transaction$25.00$25.0010/19/2010 4:12:35 PM
fairness-kayak$25.00$25.0010/19/2010 4:13:01 PM
LOLgivin_monies$25.00$25.0010/19/2010 4:08:28 PM
burgeoning-silver$25.00$25.0010/19/2010 4:14:38 PM
wampum-chorus3$25.00$25.0010/19/2010 4:10:05 PM
the-upbeat-p2p$50.00$50.0010/19/2010 4:12:02 PM
majestic-principal1$50.00$50.0010/19/2010 4:12:07 PM
teejay411$30.00$30.0010/19/2010 4:39:38 PM
Pitufo$50.00$50.0010/19/2010 4:13:11 PM
cognizant-rate732$25.00$25.0010/19/2010 4:13:16 PM
puifais$25.00$25.0010/19/2010 4:57:50 PM
SolarMoonshine$25.00$25.0010/19/2010 4:58:57 PM
Anny-Disco$25.00$25.0010/19/2010 4:15:04 PM
thankful-nickel2$25.00$25.0010/19/2010 5:07:52 PM
ah-long$25.00$25.0010/19/2010 4:15:07 PM
well-mannered-marketplace5$25.00$25.0010/19/2010 5:14:18 PM
gentle-social0$25.00$25.0010/19/2010 4:12:44 PM
numitor$50.00$50.0010/19/2010 5:16:12 PM
escharfer$25.00$25.0010/19/2010 5:16:31 PM
bill-mushroom$25.00$25.0010/19/2010 5:16:38 PM
treasure-bliss$50.00$50.0010/19/2010 4:14:25 PM
social-conductor4$25.00$25.0010/19/2010 4:15:17 PM
S-Master$50.00$50.0010/19/2010 5:15:14 PM
FASTIZIO_P$27.00$27.0010/19/2010 5:15:35 PM
JoyfulVegetarian$25.00$25.0010/19/2010 5:16:07 PM
Kash2010lu$35.00$35.0010/19/2010 6:39:23 PM
jamiee73$25.00$25.0010/19/2010 5:13:57 PM
CC911$25.00$25.0010/19/2010 5:14:13 PM
jubilant-auction5$25.00$25.0010/19/2010 5:16:33 PM
Prairie-MN$30.00$30.0010/19/2010 5:54:48 PM
YoungTaxMan$50.00$50.0010/19/2010 6:30:20 PM
ritchie70$25.00$25.0010/19/2010 7:03:32 PM
mcgovern2024$25.00$25.0010/20/2010 6:26:21 AM
jpollar$25.00$25.0010/20/2010 7:19:32 AM
Bob450$30.00$30.0010/20/2010 8:49:04 AM
Socorro_Capital_Partners$25.00$25.0010/20/2010 9:34:59 AM
nodebt2012$25.00$25.0010/20/2010 9:59:41 AM
credit-elation1$25.00$25.0010/20/2010 10:21:37 AM
icon7$45.00$45.0010/20/2010 12:05:36 PM
2grindstones$27.45$27.4510/20/2010 11:49:51 AM
social-zebra$25.00$25.0010/20/2010 12:02:03 PM
Rogelio48$30.00$30.0010/20/2010 12:53:04 PM
grampy48$25.00$25.0010/20/2010 12:07:00 PM
Lubava$25.00$25.0010/20/2010 1:07:39 PM
WMY-Investor$150.00$150.0010/20/2010 1:11:51 PM
DenimCapital$100.00$100.0010/20/2010 2:01:05 PM
teller$50.00$50.0010/13/2010 2:57:44 PM
radiant-loan5$100.00$100.0010/13/2010 2:55:36 PM
handshake5$50.00$50.0010/13/2010 3:05:14 PM
brother_tam$50.00$50.0010/13/2010 3:23:03 PM
beakerfish$100.00$100.0010/13/2010 5:56:16 PM
bid-czar8$25.00$25.0010/13/2010 3:01:38 PM
musegaze$100.00$100.0010/14/2010 5:34:00 PM
worthy-bid8$25.00$25.0010/14/2010 7:18:53 PM
zone6$100.00$100.0010/15/2010 5:04:14 AM
NoCal$30.00$30.0010/15/2010 11:55:36 AM
balance-handshake7$25.00$25.0010/15/2010 5:31:39 PM
shmb6508$50.00$50.0010/16/2010 12:59:46 PM
graceful-investment$25.00$25.0010/16/2010 1:32:52 PM
Wellman$50.00$50.0010/17/2010 6:53:37 AM
ingenious-deal6$25.00$25.0010/17/2010 11:26:01 PM
enthusiastic-balance5$100.00$100.0010/18/2010 6:23:47 AM
psa1995$25.00$25.0010/19/2010 8:28:01 AM
capital-galaxy$200.00$200.0010/19/2010 10:25:15 AM
shrewd-peace7$50.00$50.0010/19/2010 11:09:59 AM
first-listing-expert$25.00$25.0010/19/2010 11:14:42 AM
best-unbeatable-transaction$25.00$25.0010/19/2010 11:11:30 AM
villagers$25.00$25.0010/19/2010 11:13:54 AM
honorable-yield$25.00$25.0010/19/2010 11:11:19 AM
Shepherd7$50.00$50.0010/19/2010 11:11:40 AM
anton$300.00$300.0010/19/2010 11:19:42 AM
zwd12$100.00$100.0010/19/2010 11:16:48 AM
red-power-pecan$50.00$50.0010/19/2010 11:17:32 AM
crenen139$25.00$25.0010/19/2010 11:21:45 AM
lucrative-loan$70.20$70.2010/19/2010 11:44:11 AM
nickel-universe2$25.00$25.0010/19/2010 11:50:23 AM
noble-revenue$100.00$100.0010/19/2010 11:22:07 AM
suave-dime6$50.00$50.0010/19/2010 11:25:44 AM
bold-shrewd-duty$25.00$25.0010/19/2010 4:11:54 PM
p2ploan-charmer$25.00$25.0010/19/2010 4:12:11 PM
valiant-liberty4$25.00$25.0010/19/2010 4:15:59 PM
famous-bill$25.00$25.0010/19/2010 4:12:27 PM
healthy-commerce$25.00$25.0010/19/2010 4:12:38 PM
Cash_Angel$25.00$25.0010/19/2010 4:13:48 PM
Comoparklender$25.00$25.0010/19/2010 4:10:35 PM
NewPairOfShoes$25.00$25.0010/19/2010 4:15:13 PM
tornandfrayed$50.00$50.0010/19/2010 4:15:14 PM
rvfbroker$25.00$25.0010/19/2010 5:14:25 PM
blitzen40$25.00$25.0010/19/2010 5:15:12 PM
restless-dime$25.00$25.0010/19/2010 4:22:24 PM
lobstahlender$25.00$25.0010/19/2010 4:13:05 PM
asiaratt$40.18$40.1810/19/2010 5:16:41 PM
kulender$53.87$53.8710/19/2010 4:16:03 PM
life-is-great$50.00$50.0010/19/2010 4:24:25 PM
head$25.00$25.0010/19/2010 5:16:09 PM
bountiful-durability$86.64$86.6410/19/2010 5:16:29 PM
important-openness1$100.00$14.7910/19/2010 5:16:44 PM
misterhobbs$25.00$25.0010/19/2010 5:04:18 PM
courteous-kindness1$50.00$50.0010/19/2010 6:50:19 PM
icecoldcash$30.00$30.0010/19/2010 5:16:01 PM
well-mannered-income3$40.00$40.0010/19/2010 5:19:44 PM
sensible-fund$50.00$50.0010/19/2010 5:57:04 PM
LeverageLender$25.00$25.0010/19/2010 7:44:23 PM
rlaboy$25.00$25.0010/20/2010 5:04:04 AM
mikeandcat$100.00$100.0010/20/2010 5:41:48 AM
heerzaquestion$25.00$25.0010/20/2010 6:05:20 AM
oath163$34.00$34.0010/20/2010 6:18:11 AM
credit-missile$25.00$25.0010/20/2010 7:15:03 AM
credit-missile$25.00$25.0010/20/2010 7:15:58 AM
patriot384$60.00$60.0010/20/2010 7:38:05 AM
fabulous-community4$100.00$100.0010/20/2010 8:23:54 AM
outofoffice$50.00$50.0010/20/2010 8:27:06 AM
Leshan$50.00$50.0010/20/2010 8:55:36 AM
yield-lion2$75.00$75.0010/20/2010 8:58:49 AM
BrighterSuns$25.00$25.0010/20/2010 9:22:44 AM
leverage-monger$25.00$25.0010/20/2010 10:10:14 AM
RyanM561$25.00$25.0010/20/2010 10:36:34 AM
aquistoyraul$25.00$25.0010/20/2010 11:21:35 AM
Whitewater_Loans$25.00$25.0010/20/2010 11:48:51 AM
bullish2bearish$29.47$29.4710/20/2010 12:13:36 PM
the-money-position$50.00$50.0010/20/2010 12:32:55 PM
CommunityArts_Non-profit$75.00$75.0010/20/2010 12:20:59 PM
IASKGOD$25.00$25.0010/20/2010 1:23:10 PM
PrincessGrace33$100.00$100.0010/20/2010 2:36:49 PM
sturdy-peace9$75.00$75.0010/20/2010 2:02:42 PM
houli123$250.00$250.0010/20/2010 2:24:08 PM
wwwUniversal$25.00$25.0010/20/2010 2:36:34 PM
155 bids
 
Borrower Payment Dependent Notes Series 479461
This series of Notes was issued and sold upon the funding of the borrower loan #44976, 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: 14.20% Auction start date:  Oct-13-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
Final lender yield: 31.80% Final borrower rate/APR: 32.80% / 36.47% Final monthly payment: $88.00
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.66%  
Lender servicing fee: 1.00% Estimated return: 16.14%  
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: Nov-1997 Debt/Income ratio: 30%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,623Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: contract-fanatic8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating existing debt
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
Q: Would you please fill out your monthly expenses for us. - Math_Physics
A: Monthly expenses: $ Housing: $0 Insurance: $70 Car expenses: $284 Utilities: $75 Phone, cable, internet: $100 Food, entertainment: $300 Clothing, household expenses $100 Credit cards and other loans: $115 Other expenses: $ 100 (Oct-16-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0010/13/2010 2:50:45 PM
lendstats_com$25.00$25.0010/13/2010 2:50:18 PM
SolarMoonshine$25.00$25.0010/14/2010 6:47:16 PM
vine99$40.00$40.0010/17/2010 11:50:11 AM
preventivepestcontrol$25.89$25.8910/17/2010 8:27:45 PM
AlexTrep$50.00$50.0010/18/2010 12:55:48 PM
One_Lolo$25.00$25.0010/18/2010 4:29:35 PM
EngineersAlliance$25.00$25.0010/18/2010 4:38:25 PM
eman48$34.86$34.8610/18/2010 4:45:51 PM
Bob450$25.00$25.0010/18/2010 10:16:37 PM
Requiem$25.00$25.0010/19/2010 2:41:32 AM
loan-kung-fu$50.00$50.0010/20/2010 4:02:51 AM
gshx2$25.00$25.0010/20/2010 4:41:25 AM
capital-kingdom$50.00$50.0010/20/2010 5:30:20 AM
Sudoku$159.55$159.5510/20/2010 5:45:57 AM
bright-exchange$25.00$25.0010/20/2010 8:14:58 AM
goodhearted-basis4$25.00$25.0010/20/2010 9:15:28 AM
Free-the-usa-1776$25.45$25.4510/20/2010 11:44:59 AM
ultimate-peace$150.00$150.0010/20/2010 12:18:05 PM
CommunityArts_Non-profit$30.00$30.0010/20/2010 12:31:25 PM
social-zebra$26.00$26.0010/20/2010 12:05:36 PM
fireferd$35.00$35.0010/20/2010 12:47:20 PM
radiant-loan5$100.00$100.0010/20/2010 1:51:16 PM
IASKGOD$25.00$25.0010/20/2010 1:25:18 PM
aquistoyraul$25.00$25.0010/20/2010 2:33:48 PM
EretzCapital$50.00$50.0010/20/2010 2:39:26 PM
majestic-currency3$50.00$50.0010/20/2010 2:40:30 PM
noble-revenue$47.29$47.2910/13/2010 11:44:18 PM
transaction-circuit$100.00$100.0010/14/2010 9:59:39 AM
bold-direct-asset$50.00$50.0010/18/2010 4:30:39 PM
1stBankAndHal$25.00$25.0010/18/2010 4:57:12 PM
benefit-boots$25.00$25.0010/18/2010 7:40:12 PM
Roundhouse$50.00$50.0010/18/2010 7:56:37 PM
ttnk62918$25.00$25.0010/19/2010 4:23:47 AM
lending-theory$25.00$25.0010/19/2010 11:03:52 AM
icon7$25.00$25.0010/19/2010 4:26:33 PM
Bocephus1959$25.00$25.0010/19/2010 5:54:15 PM
larryboy10$25.00$25.0010/19/2010 6:38:11 PM
periko$50.00$50.0010/19/2010 5:42:47 PM
california5andime$25.00$25.0010/19/2010 5:17:30 PM
loan-eagle9$25.00$25.0010/20/2010 8:38:10 AM
DasMula$25.00$25.0010/20/2010 12:39:55 PM
ethicalhumanist$25.00$25.0010/20/2010 1:18:54 PM
just-trade0$36.00$36.0010/20/2010 2:09:59 PM
patriot384$60.00$60.0010/20/2010 2:19:45 PM
capital-galaxy$200.00$29.9610/20/2010 2:14:18 PM
marwadi-62$100.00$100.0010/20/2010 2:31:49 PM
47 bids
 
Borrower Payment Dependent Notes Series 479573
This series of Notes was issued and sold upon the funding of the borrower loan #44953, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-13-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
Final lender yield: 22.71% Final borrower rate/APR: 23.71% / 27.18% Final monthly payment: $293.11
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.35%  
Lender servicing fee: 1.00% Estimated return: 12.36%  
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): 6 First credit line: Jan-1983 Debt/Income ratio: 23%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,510Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: silverbaywolf Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 38 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2009)
640-659 (May-2008)
 
Principal balance: $1,198.72 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Working Towards "Debt Free"
Purpose of loan:
This loan will be used to pay off my other Prosper loan balance of $1200, my remaining credit cards $3500,?buy a used horse trailer $2500
.
My financial situation:
I am a good candidate for this loan because I have shown great fiscal responsibility by raising my credit score over 40 points since my Prosper loan last year (over 80 points since my first loan in 2008).? I don't borrow frivilously and for only what I need, I pay on time or ahead of time. I work over time when available to acheive this. My goal is to pay off the remaining credit card balances then begin paying off my 2009 Dodge Ram so I can live debit? free.? Planing ahead for my "debt free" retirement down the road.

Monthly net income: $ 4737

Monthly expenses:?$1370?
??Housing: $ Property caretaker in lieu of rent?
??Insurance: $ 103
??Car expenses: $ 540
??Utilities: $?200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 175
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 152 Student Loan?
??Other expenses: $100 horse care
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, Will you be using this money for "Prosper loan balance of $1200, my remaining credit cards $3500, buy a used horse trailer $2500" or to begin paying off my 2009 Dodge Ram? Is there a reason for purchasing the horse trailer? TY, MM - Mr-Miracle
A: I will be using the proceeds from this loan to 1) pay off my other Prosper loan at a lower interest rate, 2) pay my credit card balance, also at a lower interest rate and 3) purchase a used horse trailer because I don't own one and I have been renting or paying others to haul my horse for me. I found an old one that will work just fine. My truck is financed at 6% so that is the last priority. Prosper loans are term loans which I prefer so once it is paid that is it, no revolving debt. j (Oct-17-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ethicalhumanist$25.00$25.0010/13/2010 2:45:37 PM
lendstats_com$25.00$25.0010/13/2010 2:50:19 PM
MoneyForNothing$39.73$39.7310/13/2010 9:19:13 PM
PXM-Financial$45.00$45.0010/14/2010 9:22:35 PM
investment-thinker4$25.00$25.0010/17/2010 5:47:46 PM
enthusiastic-balance5$300.00$300.0010/18/2010 6:13:11 AM
Sven79$200.00$200.0010/18/2010 10:19:07 AM
greenback-chairman5$25.00$25.0010/18/2010 6:40:04 PM
usedtoborrow$150.00$150.0010/19/2010 3:17:00 AM
mercuriant$25.00$25.0010/19/2010 2:07:47 AM
convergentthinker$25.00$25.0010/19/2010 3:01:39 AM
Aberdeen$500.00$500.0010/19/2010 3:06:32 AM
Aberdeen$400.00$400.0010/19/2010 3:06:52 AM
1stBankAndHal$25.00$25.0010/19/2010 12:05:40 PM
vmh20035$26.53$26.5310/19/2010 1:26:00 PM
EngineersAlliance$50.00$50.0010/19/2010 4:39:35 PM
bughead$25.00$25.0010/19/2010 6:29:20 PM
credit-missile$25.00$25.0010/19/2010 7:35:25 PM
credit-missile$25.00$25.0010/19/2010 7:59:21 PM
Renoan$25.00$25.0010/20/2010 3:24:32 AM
BrighterSuns$25.00$25.0010/20/2010 9:23:23 AM
Book-Mark$25.00$25.0010/20/2010 9:27:41 AM
Socorro_Capital_Partners$25.00$25.0010/20/2010 9:36:52 AM
Feyenoord$25.00$25.0010/20/2010 10:21:10 AM
integrity-broker$25.00$25.0010/20/2010 11:52:55 AM
Astyanax$100.00$100.0010/20/2010 12:11:46 PM
fireferd$51.01$51.0110/20/2010 12:53:12 PM
ustfu$25.00$25.0010/20/2010 1:05:56 PM
EretzCapital$50.00$45.7210/20/2010 2:41:56 PM
ptjg$50.00$50.0010/13/2010 3:00:05 PM
Trakissta$150.00$150.0010/13/2010 7:33:11 PM
lendstats_com$375.00$375.0010/13/2010 6:51:31 PM
felicity-daydream$50.00$50.0010/14/2010 7:42:26 AM
squarebob$46.14$46.1410/15/2010 5:54:55 AM
BlueSharp$50.00$50.0010/15/2010 11:44:18 AM
SolarMoonshine$25.00$25.0010/18/2010 6:20:29 AM
HenlopenCapital$25.00$25.0010/18/2010 8:00:17 AM
investment-artist$25.00$25.0010/18/2010 10:30:53 AM
JeramyU$25.00$25.0010/18/2010 10:26:10 AM
credit-guard5$25.00$25.0010/18/2010 3:36:25 PM
payout-reaction740$25.00$25.0010/18/2010 4:59:37 PM
grammaspurse$25.00$25.0010/18/2010 8:14:10 PM
Aberdeen$400.00$400.0010/19/2010 3:04:28 AM
tech310$50.00$50.0010/19/2010 10:39:52 AM
economy-popcorn$25.00$25.0010/19/2010 4:59:46 PM
thankful-nickel2$25.00$25.0010/19/2010 5:02:42 PM
deepblue34$30.00$30.0010/19/2010 5:25:23 PM
sensible-fund$100.00$100.0010/19/2010 5:58:40 PM
principal-laser$42.75$42.7510/19/2010 6:48:23 PM
SFBank$300.00$300.0010/19/2010 6:30:36 PM
LeverageLender$25.00$25.0010/19/2010 7:43:11 PM
loanman2007$300.00$300.0010/20/2010 5:58:54 AM
golffish2$100.00$100.0010/20/2010 5:48:42 AM
ronin4sale$25.00$25.0010/20/2010 6:33:59 AM
credit-missile$25.00$25.0010/20/2010 6:57:27 AM
credit-missile$25.00$25.0010/20/2010 6:58:15 AM
credit-missile$25.00$25.0010/20/2010 6:59:34 AM
credit-missile$25.00$25.0010/20/2010 7:22:51 AM
rate-hickory$25.00$25.0010/20/2010 7:59:09 AM
outofoffice$75.00$75.0010/20/2010 8:28:26 AM
LittleMingo$28.94$28.9410/20/2010 8:42:58 AM
principal-star$25.00$25.0010/20/2010 9:57:04 AM
brightest-dignified-penny$25.00$25.0010/20/2010 10:33:05 AM
dough-hammock$25.00$25.0010/20/2010 10:44:07 AM
social-zebra$28.00$28.0010/20/2010 12:08:29 PM
SkyLoan$25.00$25.0010/20/2010 12:24:12 PM
grnii78$91.18$91.1810/20/2010 12:12:28 PM
exciting-fairness$200.00$200.0010/20/2010 12:29:37 PM
Barrayaran$25.00$25.0010/20/2010 12:32:21 PM
rlaboy$25.00$25.0010/20/2010 1:13:54 PM
gothampark$25.00$25.0010/20/2010 1:15:59 PM
houli123$2,000.00$2,000.0010/20/2010 2:38:32 PM
friendinmoney$50.00$50.0010/20/2010 2:40:42 PM
moola-monger9$50.00$50.0010/20/2010 2:41:13 PM
blue-useful-auction$25.00$25.0010/20/2010 2:41:52 PM
75 bids
 
Borrower Payment Dependent Notes Series 479583
This series of Notes was issued and sold upon the funding of the borrower loan #44961, 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: 18.30% Auction start date:  Oct-14-2010 
  Auction end date:  Oct-20-2010 
 
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): 6 First credit line: Jun-1989 Debt/Income ratio: 24%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 5Length of status:3y 4m
Amount delinquent: $358 Total credit lines: 20 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,110Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: wuzamouz Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2010)
640-659 (Apr-2008)
 
Principal balance: $994.71 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
buying second car for work
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
zone6$100.00$100.0010/15/2010 5:29:22 AM
brother_tam$50.00$50.0010/15/2010 11:11:58 AM
reflective-rupee$50.00$50.0010/15/2010 3:44:13 PM
special-currency6$25.00$25.0010/17/2010 8:53:50 AM
YoungTaxMan$50.00$50.0010/18/2010 11:36:39 AM
TakeCare$50.00$50.0010/19/2010 8:40:53 AM
inspiring-reward$53.49$53.4910/19/2010 2:20:18 PM
fabulous-community4$100.00$100.0010/20/2010 9:03:03 AM
selector568$50.00$50.0010/20/2010 9:05:17 AM
108lender$50.00$50.0010/20/2010 10:32:09 AM
whirlingdervish$25.00$25.0010/20/2010 10:49:33 AM
CommunityArts_Non-profit$75.00$75.0010/20/2010 12:15:15 PM
atlas100$50.00$50.0010/20/2010 2:57:30 PM
Anny-Disco$25.00$25.0010/20/2010 3:34:17 PM
bold-shrewd-duty$25.00$25.0010/20/2010 3:29:41 PM
graceful-investment$100.00$100.0010/20/2010 3:47:22 PM
puifais$25.00$25.0010/20/2010 3:47:46 PM
broosky2$50.00$50.0010/20/2010 3:59:55 PM
SolarMoonshine$25.00$25.0010/20/2010 5:08:23 PM
innovator2$80.18$80.1810/20/2010 6:04:52 PM
progressive-power9$25.00$5.1710/20/2010 5:42:07 PM
foldingbenny2$55.00$55.0010/20/2010 6:13:39 PM
jpaulnyc$27.20$27.2010/15/2010 6:02:58 PM
NekHoldings$25.00$25.0010/16/2010 8:47:16 AM
UCLA4life$25.00$25.0010/17/2010 1:53:13 PM
loan-kung-fu$25.00$25.0010/18/2010 3:24:40 AM
realtormoises$25.00$25.0010/18/2010 1:33:47 PM
worthy-bid8$25.00$25.0010/19/2010 11:19:31 AM
lucrative-loan$61.34$61.3410/19/2010 4:12:23 PM
yield-lion2$75.00$75.0010/20/2010 8:59:01 AM
helping-out$300.00$300.0010/20/2010 2:59:26 PM
myutmost$42.62$42.6210/20/2010 3:13:37 PM
the-upbeat-p2p$50.00$50.0010/20/2010 3:29:49 PM
Cash_Angel$25.00$25.0010/20/2010 3:48:19 PM
Bob450$25.00$25.0010/20/2010 3:57:16 PM
villagers$25.00$25.0010/20/2010 3:48:41 PM
Kash2010lu$50.00$50.0010/20/2010 4:17:43 PM
well-mannered-income3$25.00$25.0010/20/2010 4:19:16 PM
malar$50.00$50.0010/20/2010 6:17:42 PM
39 bids
 
Borrower Payment Dependent Notes Series 480129
This series of Notes was issued and sold upon the funding of the borrower loan #44960, 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: 1.30% Auction start date:  Oct-19-2010 
  Auction end date:  Oct-22-2010 
 
Starting lender yield: 6.85% Starting borrower rate/APR: 7.85% / 8.19% Starting monthly payment: $156.34
Final lender yield: 6.85% Final borrower rate/APR: 7.85% / 8.19% Final monthly payment: $156.34
 
Auction yield range: 2.71% - 6.85% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1990 Debt/Income ratio: 11%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $194Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: payment-hawk Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2009)
 
Principal balance: $673.35 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Pay Down a Credit Card
Purpose of loan:
This loan will be used to pay down a credit card that has split rates - some of the balance is at a high rate and some is at low promotional rates. By paying it down, I will be charged less interest.

My financial situation:
I am a good candidate for this loan because my work remains steady, my income is steady, and I manage my bank account carefully to be sure my Prosper payment goes through every month.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is your monthly NET income and detailed account of your monthly expenses? - jpblan11
A: Hmm, thought I answered this but it isn't showing up. Take in about $5,000/mo and expenses are about $4,000/mo (Oct-21-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alpinaut$30.00$30.0010/19/2010 3:39:22 PM
DukSerduk$25.00$25.0010/19/2010 3:39:31 PM
life-is-great$50.00$50.0010/19/2010 3:40:23 PM
Avala$100.00$100.0010/19/2010 3:45:02 PM
roadtruck$50.00$50.0010/19/2010 3:45:42 PM
antlr$50.00$50.0010/19/2010 3:45:59 PM
exact-gold2$25.00$25.0010/19/2010 3:44:15 PM
schpere$100.00$100.0010/19/2010 3:40:50 PM
mjunlimited$50.00$50.0010/19/2010 3:44:42 PM
tntmojave$25.00$25.0010/19/2010 3:44:48 PM
Simply2fly$25.00$25.0010/19/2010 3:41:36 PM
diplomatic-wealth7$100.00$100.0010/19/2010 3:45:13 PM
meenan$25.00$25.0010/19/2010 3:45:17 PM
psa1995$50.00$50.0010/19/2010 3:45:21 PM
julijask$35.00$35.0010/19/2010 3:45:26 PM
E_G$50.00$50.0010/19/2010 3:45:32 PM
GElender$50.00$50.0010/19/2010 3:45:53 PM
ericgassercom$50.00$50.0010/19/2010 3:44:38 PM
numitor$50.00$50.0010/19/2010 3:44:45 PM
MJDAE$50.00$50.0010/19/2010 3:45:38 PM
blot44$25.00$25.0010/19/2010 3:45:46 PM
ThomasC$50.00$50.0010/19/2010 3:46:07 PM
organized-payment6$50.00$50.0010/19/2010 3:53:57 PM
wise-dedicated-power$25.00$25.0010/19/2010 3:55:42 PM
generous-deal6$25.00$25.0010/19/2010 3:49:53 PM
damage$25.00$25.0010/19/2010 3:56:31 PM
thedoctor$50.00$50.0010/19/2010 3:53:12 PM
dtrain5$25.00$25.0010/19/2010 3:55:32 PM
proaz0119$25.00$25.0010/19/2010 3:55:47 PM
gold-commander0$50.00$50.0010/19/2010 3:57:03 PM
platinum-genetics$25.00$25.0010/19/2010 3:55:44 PM
auction-sage$50.00$50.0010/19/2010 3:55:50 PM
yukongin$50.00$24.4810/19/2010 3:57:23 PM
buukyak$25.00$25.0010/19/2010 4:08:55 PM
payout-reaction740$25.00$25.0010/19/2010 4:01:49 PM
thankful-nickel2$25.00$25.0010/19/2010 5:03:31 PM
gotbyu$50.00$50.0010/20/2010 12:19:27 AM
Sarspatula$25.00$25.0010/20/2010 1:51:25 AM
outofoffice$75.00$75.0010/20/2010 8:30:29 AM
nestegg4e$25.00$25.0010/20/2010 8:43:26 AM
Socorro_Capital_Partners$25.00$25.0010/20/2010 9:40:41 AM
rakstar$25.00$25.0010/20/2010 10:26:47 AM
heerzaquestion$25.00$25.0010/20/2010 10:28:56 AM
equitable-yield4$25.00$25.0010/20/2010 11:26:22 AM
Preteur$25.00$25.0010/20/2010 4:41:56 PM
FlexFunding$100.00$100.0010/20/2010 4:58:53 PM
billnsc$25.00$25.0010/20/2010 6:15:37 PM
income-banjo$50.00$50.0010/20/2010 5:56:20 PM
kander80$25.00$25.0010/20/2010 7:20:13 PM
shaker348$25.00$25.0010/21/2010 1:18:17 PM
PCGeekWI$25.00$25.0010/21/2010 2:45:52 PM
ramsbladder$25.00$25.0010/21/2010 2:48:27 PM
Hondo$25.00$25.0010/21/2010 3:25:29 PM
platinum-hunter7$40.00$40.0010/21/2010 5:28:36 PM
dpfl55$25.00$25.0010/21/2010 6:12:54 PM
investment-network$25.00$25.0010/21/2010 10:41:01 PM
delicious-social132$50.00$50.0010/22/2010 3:52:12 AM
myworld701$25.00$25.0010/22/2010 6:05:18 AM
srgriff$25.00$25.0010/22/2010 8:58:11 AM
worthy-bid8$100.00$100.0010/19/2010 3:40:13 PM
fishtale$25.00$25.0010/19/2010 3:41:29 PM
kenji4861$50.00$50.0010/19/2010 3:44:52 PM
rescue$100.00$100.0010/19/2010 3:45:35 PM
DonaldColorado$100.00$100.0010/19/2010 3:46:03 PM
ADenny$25.00$25.0010/19/2010 3:40:32 PM
kegs$25.00$25.0010/19/2010 3:42:41 PM
selector568$500.00$500.0010/19/2010 3:44:26 PM
hookUup$100.00$100.0010/19/2010 3:44:36 PM
ichibon$150.00$150.0010/19/2010 3:44:56 PM
Supernick$50.00$50.0010/19/2010 3:41:19 PM
turbospeed$25.00$25.0010/19/2010 3:44:34 PM
cebgop$25.00$25.0010/19/2010 3:45:56 PM
TakeCare$100.00$100.0010/19/2010 3:51:26 PM
MarinLoans$25.00$25.0010/19/2010 3:49:41 PM
bobemilman$50.00$50.0010/19/2010 3:54:23 PM
RandyL3$25.00$25.0010/19/2010 3:54:40 PM
natural-affluence4$30.00$30.0010/19/2010 3:57:07 PM
healthy-commerce$25.00$25.0010/19/2010 3:57:12 PM
larrybird$150.00$150.0010/19/2010 3:52:55 PM
ferocious-exchange3$50.00$50.0010/19/2010 3:56:28 PM
red-unequivocal-finance$25.00$25.0010/19/2010 3:54:33 PM
point-shooter$50.00$50.0010/19/2010 3:57:09 PM
timepassport$25.00$25.0010/19/2010 3:57:29 PM
helping-out$100.00$100.0010/19/2010 3:56:02 PM
figs4u2$100.00$100.0010/19/2010 3:57:20 PM
ethicalhumanist$50.00$50.0010/19/2010 4:08:52 PM
MoneyForNothing$25.52$25.5210/20/2010 1:46:35 AM
Eagledrop$25.00$25.0010/20/2010 8:45:43 AM
newest-sensible-hope$50.00$50.0010/20/2010 11:16:59 AM
108lender$100.00$100.0010/20/2010 3:36:43 PM
NATIVEBORN$25.00$25.0010/20/2010 3:57:56 PM
alakanbearcub$25.00$25.0010/20/2010 6:31:46 PM
Planecourage$35.00$35.0010/20/2010 6:58:19 PM
paul1$25.00$25.0010/20/2010 10:16:21 PM
Cheburashka$30.00$30.0010/21/2010 1:33:47 AM
runbix7$25.00$25.0010/21/2010 2:54:50 AM
gzeo$25.00$25.0010/21/2010 7:44:45 AM
rachelrachelrachel$25.00$25.0010/21/2010 10:23:21 AM
transparency-giant$50.00$50.0010/21/2010 11:30:16 AM
Veridic$25.00$25.0010/21/2010 2:48:38 PM
credit-bearer959$50.00$50.0010/21/2010 2:49:49 PM
credit-launcher773$25.00$25.0010/21/2010 6:45:56 PM
eCapital$25.00$25.0010/22/2010 12:34:28 AM
fcukciti$25.00$25.0010/22/2010 4:22:32 AM
104 bids
 
Borrower Payment Dependent Notes Series 480277
This series of Notes was issued and sold upon the funding of the borrower loan #44959, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $205.47
 
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): 8 First credit line: Aug-2002 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,608Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: durable-point8 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Bills
I am a good candidate for this loan because I am loyal, hard working, and true to my word. I am kind and like to help others when I have it. I came across this site and it was something that put a smile on my face. I have helped strangers, family, and friends all my life I will this site will now help me.

I have accumulated many bills and would like to get it all in one small payment. It would help me free up a lot of cash monthly. My goal is to get this $5000 loan and pay all my debt off. Even though I chose to pay in 3 years I would get this paid off in one year. With your help I could get this done and be much happier. I dislike dealing with so many companies a month, it?s a time waster and it would make my life much easier if I get this loan.

I have established great credit since I was 18. I will continue to do so. People tell me all the time why don?t I go bankrupt. I do not believe in that, I believe in paying my dues the fair way. I got myself into this I will find a way out. It would be much appreciated if you all believe in me and trust that I will pay this loan back.

I just want to get this behind me and start fresh. I promised myself to not ever get into something like this again. Thank you for your help and 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ethicalhumanist$25.00$25.0010/18/2010 3:04:23 PM
handshake5$50.00$50.0010/18/2010 3:13:54 PM
droopie1$25.00$25.0010/18/2010 3:21:42 PM
lendstats_com$99.30$99.3010/18/2010 3:22:59 PM
bid-czar8$25.00$25.0010/18/2010 3:13:19 PM
Evan_Safe$25.00$25.0010/18/2010 3:41:12 PM
bold-attentive-listing$25.00$25.0010/18/2010 3:24:43 PM
blue-useful-auction$25.00$25.0010/18/2010 4:53:20 PM
Kreditorium$25.00$25.0010/18/2010 5:00:05 PM
dedicated-diversification5$64.32$64.3210/18/2010 5:04:04 PM
lloyd_s$25.00$25.0010/18/2010 5:04:42 PM
Gixxer600$46.09$46.0910/18/2010 5:05:41 PM
penny-plato$25.00$25.0010/18/2010 4:42:54 PM
steamboatgal$50.00$50.0010/18/2010 4:59:50 PM
LuvToLend$25.00$25.0010/18/2010 5:01:44 PM
czar3$40.00$40.0010/18/2010 5:04:01 PM
restondoublek$25.00$25.0010/18/2010 4:59:27 PM
Jonb6919$25.00$25.0010/18/2010 5:05:08 PM
cashonhand$25.00$25.0010/18/2010 5:02:56 PM
successful-agreement7$100.00$100.0010/18/2010 6:33:54 PM
gamp$25.00$25.0010/18/2010 6:32:58 PM
special-currency6$50.00$50.0010/18/2010 6:33:07 PM
washboard1$50.00$50.0010/18/2010 7:22:59 PM
boybutter$50.00$50.0010/18/2010 9:28:06 PM
debt-system880$25.00$25.0010/18/2010 9:28:15 PM
payment-gusto$25.00$25.0010/18/2010 9:28:39 PM
Bob450$25.00$25.0010/18/2010 9:57:55 PM
NorthernFunds$50.00$50.0010/18/2010 9:28:12 PM
cablenews$25.00$25.0010/18/2010 9:28:21 PM
asset-professor$38.13$38.1310/18/2010 9:28:26 PM
balance-hercules$50.00$50.0010/18/2010 9:28:35 PM
klinebarger$25.00$25.0010/18/2010 9:05:16 PM
ktradtke$25.00$25.0010/18/2010 10:38:03 PM
supreme-bonus0$25.00$25.0010/18/2010 9:28:12 PM
r0b3m4n$25.00$25.0010/18/2010 9:28:14 PM
keeminn$50.00$50.0010/18/2010 9:28:16 PM
Bank42$50.00$50.0010/19/2010 1:49:49 AM
forthright-dedication$62.75$62.7510/19/2010 4:04:39 AM
twirl2$25.00$25.0010/19/2010 3:00:48 AM
zburner$25.00$25.0010/19/2010 3:32:06 AM
value-microscope$25.00$25.0010/19/2010 4:03:59 AM
jga516$25.00$25.0010/19/2010 6:47:46 AM
FountainShrugged$50.00$50.0010/19/2010 8:49:39 AM
patriot384$50.00$50.0010/19/2010 7:44:17 AM
persevering$50.00$50.0010/19/2010 10:33:34 AM
upright-asset2$25.00$25.0010/19/2010 9:33:03 AM
borrowmine$25.00$25.0010/19/2010 9:53:32 AM
asset-equilibrium0$34.26$34.2610/19/2010 10:36:27 AM
yomanie$27.41$27.4110/19/2010 10:33:17 AM
mt3209$25.00$25.0010/19/2010 10:57:40 AM
NoCal$30.00$30.0010/19/2010 11:17:26 AM
kfi805$25.00$25.0010/19/2010 11:18:02 AM
worthy-truth$25.00$25.0010/19/2010 12:32:51 PM
cash-boots$25.00$25.0010/19/2010 12:32:58 PM
mizon291$50.00$50.0010/19/2010 12:32:51 PM
revenue-officer36$32.35$32.3510/19/2010 12:32:45 PM
The_Secret$25.00$25.0010/19/2010 12:32:50 PM
tkr2$25.00$25.0010/19/2010 12:33:00 PM
felicity-shrine2$25.00$25.0010/19/2010 1:02:31 PM
1-HARD-HEAD$25.00$25.0010/19/2010 2:42:12 PM
sweet-peace3$25.00$25.0010/19/2010 6:35:59 PM
musegaze$100.00$100.0010/19/2010 6:31:02 PM
wwwUniversal$25.00$25.0010/19/2010 6:43:28 PM
finance-dandelion$25.00$25.0010/19/2010 7:29:30 PM
Xsi2k$25.00$25.0010/20/2010 5:17:15 AM
Mocaba$50.00$50.0010/20/2010 6:46:50 AM
Mocaba$50.00$30.0010/20/2010 6:47:32 AM
Brent_I$30.00$30.0010/20/2010 8:59:07 AM
Requiem$25.00$25.0010/20/2010 11:09:55 AM
green-wampum-titan$25.00$25.0010/20/2010 12:14:40 PM
moola-wildebeest3$25.00$25.0010/18/2010 3:39:38 PM
bre56$25.00$25.0010/18/2010 3:50:09 PM
KaizenDiva$50.00$50.0010/18/2010 3:50:30 PM
nybanker85$50.00$50.0010/18/2010 3:50:58 PM
Shepherd7$30.00$30.0010/18/2010 4:13:45 PM
worth-arch$25.00$25.0010/18/2010 5:03:02 PM
HedgeFund$50.00$50.0010/18/2010 4:12:47 PM
gimincorp$31.55$31.5510/18/2010 5:05:10 PM
first-listing-expert$25.00$25.0010/18/2010 5:05:20 PM
radiant-loan5$100.00$100.0010/18/2010 5:06:54 PM
zone6$100.00$100.0010/18/2010 4:38:47 PM
LoisLoan$25.00$25.0010/18/2010 4:38:31 PM
Artist_Blue$25.00$25.0010/18/2010 5:23:50 PM
texrob20$25.00$25.0010/18/2010 4:59:45 PM
TheBaldGuy$25.00$25.0010/18/2010 4:59:56 PM
fund-web3$25.00$25.0010/18/2010 5:00:36 PM
happyaric$50.00$50.0010/18/2010 5:02:31 PM
cloud8$25.00$25.0010/18/2010 5:05:33 PM
piter-to-la-investment$25.00$25.0010/18/2010 5:02:59 PM
danthemon35$25.00$25.0010/18/2010 5:04:33 PM
jml3482$25.00$25.0010/18/2010 5:04:46 PM
tearsnstone$25.00$25.0010/18/2010 5:17:51 PM
cpodakine$25.00$25.0010/18/2010 6:52:17 PM
want2race$25.00$25.0010/18/2010 8:41:22 PM
CapeDollars$25.00$25.0010/18/2010 8:54:07 PM
Comoparklender$25.00$25.0010/18/2010 9:04:26 PM
ImaPutz$25.00$25.0010/18/2010 9:28:09 PM
Speculator$100.00$100.0010/18/2010 9:28:21 PM
hope-equation$50.00$50.0010/18/2010 9:28:27 PM
bassman2$50.00$50.0010/18/2010 9:28:10 PM
w3alter$50.00$50.0010/18/2010 9:28:28 PM
balance-handshake7$25.00$25.0010/18/2010 9:28:43 PM
drg6289$25.00$25.0010/19/2010 1:46:38 AM
mbwillma$25.00$25.0010/19/2010 1:49:08 AM
Msbutterfly$50.00$50.0010/18/2010 9:28:07 PM
momoney2lend$25.00$25.0010/18/2010 9:28:13 PM
Vreet$50.00$50.0010/18/2010 9:28:15 PM
626457$50.00$50.0010/18/2010 9:28:23 PM
EBITDA$25.00$25.0010/18/2010 9:29:14 PM
flexiboy35$25.00$25.0010/19/2010 1:19:17 AM
Tammy102800$25.00$25.0010/19/2010 3:31:05 AM
janus_god$25.00$25.0010/19/2010 2:33:10 AM
SDNLR$25.00$25.0010/19/2010 2:05:00 AM
DadWarbucks$50.00$50.0010/19/2010 2:32:56 AM
GrooveBiz$43.11$43.1110/19/2010 3:19:26 AM
iLoaner$25.00$25.0010/19/2010 3:01:36 AM
DHolly$25.00$25.0010/19/2010 6:18:27 AM
SolarMoonshine$25.00$25.0010/19/2010 3:50:32 AM
JGB$90.75$90.7510/19/2010 3:30:43 AM
circustab$50.00$50.0010/19/2010 8:00:52 AM
supersarah61$25.00$25.0010/19/2010 8:14:47 AM
Ocean713$50.00$50.0010/19/2010 8:14:56 AM
oldmora$29.79$29.7910/19/2010 9:54:11 AM
nerdbomber$25.00$25.0010/19/2010 10:33:23 AM
Lender0424$50.00$50.0010/19/2010 10:34:40 AM
marketplace-buckeye$50.00$50.0010/19/2010 12:32:53 PM
lucrative-dollar$25.00$25.0010/19/2010 12:33:01 PM
zen1cent$25.00$25.0010/19/2010 12:32:53 PM
jeromeyuan$50.00$50.0010/19/2010 12:32:52 PM
the-money-gargantuan$25.00$25.0010/19/2010 12:32:57 PM
shmb6508$32.17$32.1710/19/2010 5:04:14 PM
Sleg$25.00$25.0010/19/2010 7:12:27 PM
teller$33.02$33.0210/20/2010 4:09:39 AM
heerzaquestion$25.00$25.0010/20/2010 6:21:32 AM
Mocaba$50.00$50.0010/20/2010 6:47:11 AM
redcat57$25.00$25.0010/20/2010 7:53:09 AM
CirC$25.00$25.0010/20/2010 8:22:37 AM
wlm3012$25.00$25.0010/20/2010 8:16:24 AM
dinero-launcher$25.00$25.0010/20/2010 11:45:58 AM
helpful-credit156$25.00$25.0010/20/2010 11:47:07 AM
140 bids
 
Borrower Payment Dependent Notes Series 480455
This series of Notes was issued and sold upon the funding of the borrower loan #44941, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Oct-19-2010 
  Auction end date:  Oct-21-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 30.70% Starting monthly payment: $48.19
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 30.70% Final monthly payment: $48.19
 
Auction yield range: 10.71% - 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): 5 First credit line: Oct-2004 Debt/Income ratio: Not calculated
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 1Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: 465Boogs Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,200.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Short Term Student Loan
Purpose of loan:
This loan will be used to help me subsidize tuition, rent, and bills until i receive my Financial Aid check in January 2011.

My financial situation: Once again, I am here to help aid my bills and tuition. I am in my Senior year. My major is Digital Media Arts. I am currently working, however, it is an internship. Due to the fact that I receive stipends, they are not considered "taxable income" therefore private lenders do not accept them as "eligible" income sources. That's why I am here; it is not due to any inability to pay. The one delinquency on my account is due to an automatic payment that was attached to my credit card, which unbeknownst to me had expired. Once it was brought to my attention I immediately corrected the situation. Unfortunately, it hit my credit report before the situation was rectified. So now I'm stuck with it, but that's how these things go. I am a good candidate for this loan because I am responsible and credit worthy. As you can see from my previous loan, I will make sure your invested funds find there way back to you!

Monthly net income: $ 2500

Monthly expenses: $ 1985
??Housing: $875
??Insurance: $140
??Car expenses: $200
??Utilities: $30
??Phone, cable, internet: $140
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $200
??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 you plan on paying this loan off in Jan when you get your student loan check? - smarva
A: Yes and no. The loan payment is rather low so I was thinking of keeping it to term, however, if my financial outlook isn't look so well (i.e. this internship doesn't have the potential of turning into a "job") then I am planning on paying it off. I do not want to default on any loan, ever. Keeping the loan to term could have a positive effect on my credit score since they often look at the ability to provide timely payments. Yet, if I have the money to pay it off then why not pay it off? (Oct-21-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alexgalt$100.00$100.0010/19/2010 3:46:14 PM
handshake5$50.00$50.0010/19/2010 3:51:02 PM
clean-fund$25.00$25.0010/19/2010 3:54:57 PM
EBITDA$25.00$25.0010/20/2010 6:33:15 AM
healingangel22$25.00$25.0010/20/2010 7:40:01 AM
blue-useful-auction$25.00$25.0010/20/2010 9:36:19 AM
dinero-launcher$25.00$25.0010/20/2010 11:52:54 AM
reflective-rupee$33.00$33.0010/20/2010 1:57:57 PM
heerzaquestion$25.00$25.0010/20/2010 8:39:33 PM
brother_tam$50.00$17.6410/21/2010 1:53:07 AM
loanman2007$25.00$25.0010/21/2010 7:02:52 AM
pureliquidhw$25.00$25.0010/21/2010 9:31:51 AM
green-rapid-openness$50.00$50.0010/21/2010 9:52:18 AM
bondhedger$25.00$25.0010/21/2010 10:07:35 AM
thankful-nickel2$25.00$25.0010/21/2010 12:21:32 PM
transaction-circuit$50.00$50.0010/19/2010 3:46:54 PM
bid-czar8$25.00$25.0010/19/2010 3:50:36 PM
radiant-loan5$100.00$100.0010/19/2010 3:58:31 PM
invest-in-ed$200.00$200.0010/19/2010 6:48:05 PM
SolarMoonshine$25.00$25.0010/20/2010 3:51:53 AM
israel15$25.00$25.0010/20/2010 3:52:10 AM
donlenboy$34.36$34.3610/20/2010 9:56:49 AM
balance-handshake7$25.00$25.0010/20/2010 12:11:47 PM
washboard1$50.00$50.0010/20/2010 12:18:37 PM
moola-wildebeest3$25.00$25.0010/20/2010 12:32:31 PM
all_of_that_one$40.00$40.0010/20/2010 4:35:51 PM
ZLyons$25.00$25.0010/20/2010 9:44:33 PM
green-rapid-openness$50.00$50.0010/21/2010 9:51:58 AM
greenback-guard$25.00$25.0010/21/2010 1:22:15 PM
29 bids