Sales Report:Supplement No. 67 dated Nov 02, 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 425296
This series of Notes was issued and sold upon the funding of the borrower loan #45103, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Oct-19-2010 
  Auction end date:  Oct-26-2010 
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 18.54% Starting monthly payment: $33.69
Final lender yield: 12.00% Final borrower rate/APR: 13.00% / 18.54% Final monthly payment: $33.69
 
Auction yield range: 5.71% - 12.00% Estimated loss impact: 6.15%  
Lender servicing fee: 1.00% Estimated return: 5.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-2001 Debt/Income ratio: 15%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 7Length of status:0y 5m
Amount delinquent: $18,628 Total credit lines: 25 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,872Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: orange-subtle-pound 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
Paying off my credit cards!
Purpose of loan:
This loan will be used get out of credit card debt for good, so I can raise my credit score and buy another car in the future.

My financial situation:
I am a good candidate for this loan because I will treat this loan like my job, with ethics and integrity. I really need a boost to lower my 25% interest rate so that I can pay it?off in a timely manner, and I will. I?have been focused for the past year on getting out of debt and?this will give me?a way to expedite the process. ?

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $?50
??Food, entertainment: $?100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600????????????
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What caused the "delinquency"? And for how long were you delinquent? - triumph329
A: The delinquency was due to my being unemployed for about 2 months, I have since found a new job and before and after that occurrence, I have not been late on any payments. (Oct-26-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
exchange-squirrel$25.00$25.0010/19/2010 3:44:18 PM
tolerant-dinero2$25.00$25.0010/19/2010 4:01:17 PM
valiant-liberty4$25.00$25.0010/24/2010 9:45:18 AM
kazanov$50.00$50.0010/25/2010 9:44:40 PM
icecoldcash$100.00$100.0010/26/2010 3:14:17 PM
kinetic-social$25.00$25.0010/26/2010 3:37:27 PM
vigorous-moola$36.00$36.0010/25/2010 1:50:19 PM
microfunder$30.00$30.0010/26/2010 8:23:22 AM
anton$800.00$684.0010/26/2010 3:31:34 PM
9 bids
 
Borrower Payment Dependent Notes Series 473992
This series of Notes was issued and sold upon the funding of the borrower loan #45115, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $94.36
Final lender yield: 6.79% Final borrower rate/APR: 7.79% / 8.13% Final monthly payment: $93.72
 
Auction yield range: 2.71% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jun-1988 Debt/Income ratio: 12%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 18Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 54 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $281,787Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: VonAp Borrower's state: Florida Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Money to Re-Invest
I plan to use this loan to re-invest in higher risk Prosper members. I currently hold around 15 loans to members which are all current and only one had a small hiccup. This will be an experiment and if it works out I will become more aggressive doing this.

I am employed full-time and paying this loan is no problem.
The largest loan I have outstanding is a Home Equity Line of Credit which is about $ 250,000 at a current interest rate of 2.75%. This rate can change of course but is tied to prime and won't move up any time soon I believe.
Aside from that my house is fully paid for.

I am hoping the starting rate that I have on here gets bid down a bit as there is no risk in this loan. My credit is excellent and I would not put it at risk by not paying this loan off.

Get in there and bid;
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)
Approved$50.00$50.0010/21/2010 10:01:57 AM
blot44$25.00$25.0010/21/2010 10:02:55 AM
Dollars4Rent$25.00$25.0010/21/2010 10:19:34 AM
JGuide$101.99$101.9910/21/2010 10:21:43 AM
investment-artist$25.00$25.0010/21/2010 12:01:57 PM
ethicalhumanist$50.00$25.8510/21/2010 5:34:32 PM
platinum-hunter7$25.00$25.0010/21/2010 5:13:45 PM
tacologic$50.00$50.0010/21/2010 6:11:52 PM
UncleScroogeDMD$150.00$150.0010/21/2010 7:06:20 PM
JeramyU$75.00$75.0010/22/2010 10:37:43 AM
AsianDragon$100.00$100.0010/22/2010 1:35:22 PM
calkidd05$35.00$35.0010/22/2010 1:34:36 PM
lenderrn$44.62$44.6210/23/2010 10:02:41 AM
loanman2007$50.00$50.0010/23/2010 10:02:52 AM
lostperception$29.97$29.9710/23/2010 1:32:54 PM
265alan0$25.00$25.0010/24/2010 8:00:39 PM
grasscutter$50.00$50.0010/26/2010 4:51:10 PM
one-midas$50.00$50.0010/26/2010 6:34:31 PM
PrepWonder$27.67$27.6710/26/2010 8:07:35 PM
rce1964$25.00$25.0010/27/2010 1:52:19 AM
OoM$25.00$25.0010/26/2010 11:17:45 PM
octoberfresh$35.00$35.0010/27/2010 6:33:11 AM
availableloan$25.00$25.0010/27/2010 1:22:48 PM
Tsimmeej$25.00$25.0010/27/2010 3:59:45 PM
nimcha$50.00$50.0010/27/2010 3:43:56 PM
WAITING4SUNSHINE$25.00$25.0010/27/2010 3:59:17 PM
YummiBear$25.00$25.0010/27/2010 4:49:38 PM
usbank$25.00$25.0010/27/2010 5:17:05 PM
debt-legend$25.00$25.0010/27/2010 11:24:07 PM
djmjkelso$25.00$25.0010/28/2010 1:00:14 AM
wonderous-power$25.00$25.0010/28/2010 1:16:39 AM
Nasdaq$25.00$25.0010/28/2010 7:09:24 AM
RandyL3$25.00$25.0010/21/2010 10:07:46 AM
thankful-nickel2$25.00$25.0010/21/2010 1:34:48 PM
TJGbank$25.00$25.0010/21/2010 3:05:31 PM
gpuck$50.00$50.0010/21/2010 6:15:32 PM
Cheburashka$30.00$30.0010/22/2010 2:28:55 AM
BuckeyeBanker$100.00$100.0010/22/2010 7:15:21 AM
jpaulnyc$100.00$100.0010/22/2010 9:17:49 AM
Socorro_Capital_Partners$25.00$25.0010/22/2010 9:56:57 AM
Huck007$183.78$183.7810/22/2010 5:14:09 PM
Octamer$50.00$50.0010/23/2010 9:56:25 AM
beachfunder$25.00$25.0010/23/2010 2:50:35 PM
Johnab$25.00$25.0010/25/2010 10:28:56 AM
wam37$25.00$25.0010/26/2010 4:58:35 AM
kinetic-social$25.00$25.0010/26/2010 3:46:24 PM
market-jam$100.00$100.0010/26/2010 6:02:59 PM
aislinnn$25.00$25.0010/26/2010 5:56:50 PM
elvisloans$25.00$25.0010/27/2010 4:42:19 AM
qkinger$50.00$50.0010/27/2010 10:39:48 AM
4DreamsGroup$100.00$100.0010/27/2010 12:10:16 PM
nbah123$50.00$50.0010/27/2010 12:41:32 PM
tolerant-dinero2$25.00$25.0010/27/2010 3:12:08 PM
gsd$35.00$35.0010/27/2010 4:07:12 PM
cpbreton$25.00$25.0010/27/2010 4:21:39 PM
broosky2$100.00$100.0010/27/2010 4:54:44 PM
gilbrear$25.00$25.0010/27/2010 4:38:24 PM
wwwUniversal$50.00$50.0010/27/2010 5:01:13 PM
BANKIN$51.12$51.1210/27/2010 7:35:53 PM
nourishing-loan1$25.00$25.0010/28/2010 9:46:41 AM
transaction-raccoon$25.00$25.0010/28/2010 9:48:17 AM
olin5$25.00$25.0010/28/2010 4:29:54 AM
arkleseizure$25.00$25.0010/28/2010 4:36:29 AM
ray1051$75.00$75.0010/28/2010 5:44:23 AM
manugee$50.00$50.0010/28/2010 8:24:50 AM
alphabet76$25.00$25.0010/28/2010 9:48:08 AM
TomDalonajay$25.00$25.0010/28/2010 9:39:27 AM
silver-dogwood4$25.00$25.0010/28/2010 9:46:26 AM
68 bids
 
Borrower Payment Dependent Notes Series 479826
This series of Notes was issued and sold upon the funding of the borrower loan #45117, 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-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
Final lender yield: 29.50% Final borrower rate/APR: 30.50% / 34.12% Final monthly payment: $85.45
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.55%  
Lender servicing fee: 1.00% Estimated return: 13.95%  
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-1987 Debt/Income ratio: 33%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 11Length of status:4y 0m
Amount delinquent: $138 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,676Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: the-profit-reformer Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
600-619 (Oct-2008)
 
Principal balance: $958.32 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Dental Work
Purpose of loan:
This loan will be used to? I need 3 crowns done on my teeth

My financial situation:
I am a good candidate for this loan because? I am doing well financially but I just don't have this amount all at once. I was just promoted to a new position that is effective Dec. 1, so I feel with a wage increase I will definitely be okay to make my payments. I am very hard working and have always paid my obligations.

Monthly net income: $ 2,700.00

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 105.00
??Car expenses: $155.70
??Utilities: $ 100.00
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 180.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: what is the current delnquency on your account? - cellardoor
A: In my credit report I have a $138 past due gas bill from years ago. (Oct-30-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
fabulous-community4$27.47$27.4710/26/2010 12:55:45 PM
SolarMoonshine$25.00$25.0010/26/2010 6:03:41 PM
greenback-guard$25.00$25.0010/27/2010 4:32:16 PM
loan-kingdom162$100.00$100.0010/27/2010 9:10:48 PM
glroark$50.00$50.0010/28/2010 10:27:23 AM
buyrite334$25.00$25.0010/28/2010 1:11:34 PM
dudebrah$25.00$25.0010/28/2010 8:13:14 PM
McDeeter$25.00$25.0010/29/2010 11:50:26 AM
red-favorable-basis$25.00$25.0010/29/2010 1:27:10 PM
Slapshot$29.18$29.1810/29/2010 1:48:52 PM
greenback-guard$25.00$0.3010/29/2010 3:09:21 PM
gothampark$25.00$25.0010/29/2010 5:06:34 PM
deepblue34$30.00$30.0010/29/2010 3:29:17 PM
justbman$50.00$50.0010/30/2010 8:46:34 AM
thankful-nickel2$25.00$25.0010/30/2010 6:43:37 AM
courteous-note1$25.00$25.0010/30/2010 9:46:13 AM
partyplan$40.00$40.0010/31/2010 10:09:21 AM
realtormoises$25.00$25.0010/31/2010 1:09:58 PM
SALLYEB$25.00$25.0010/31/2010 6:41:04 AM
SouthernRemarketing$25.00$25.0010/31/2010 10:56:37 AM
vine99$40.00$40.0010/31/2010 9:24:04 PM
Moe87$25.00$25.0010/31/2010 3:29:56 PM
radiant-loan5$200.00$200.0011/1/2010 5:33:52 AM
credit-missile$25.00$25.0010/31/2010 7:05:50 PM
credit-missile$25.00$25.0010/31/2010 7:10:23 PM
principal-laser$25.00$25.0011/1/2010 4:41:43 AM
thatguyoverseas$25.00$25.0011/1/2010 6:32:49 AM
dsnybnd$25.00$25.0011/1/2010 7:52:26 AM
yield-lion2$75.00$75.0010/26/2010 9:32:47 AM
lucrative-loan$45.02$45.0210/26/2010 5:03:45 PM
Moe87$25.00$25.0010/27/2010 4:30:29 AM
lifelongreds$50.00$50.0010/27/2010 8:46:35 AM
Kash2010lu$25.00$25.0010/27/2010 4:22:54 PM
stevensonfan$98.03$98.0310/28/2010 2:11:06 PM
DenimCapital$250.00$250.0010/28/2010 1:14:35 PM
Fire2$25.00$25.0010/29/2010 7:39:47 AM
outofoffice$25.00$25.0010/29/2010 7:03:24 AM
california5andime$25.00$25.0010/29/2010 5:49:47 PM
Whitewater_Loans$25.00$25.0010/30/2010 8:30:21 AM
brondero$90.00$90.0010/30/2010 1:08:28 PM
FASTIZIO_P$25.00$25.0010/30/2010 6:42:55 PM
SRPT$25.00$25.0010/31/2010 7:46:03 AM
Leshan$75.00$75.0010/31/2010 9:50:00 AM
aleong$25.00$25.0010/31/2010 5:46:00 PM
zydeco337$25.00$25.0010/31/2010 7:51:07 PM
credit-missile$25.00$25.0010/31/2010 7:03:51 PM
PeePaw$25.00$25.0011/1/2010 7:44:25 AM
47 bids
 
Borrower Payment Dependent Notes Series 481078
This series of Notes was issued and sold upon the funding of the borrower loan #45114, 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: 4.95% Auction start date:  Oct-22-2010 
  Auction end date:  Oct-23-2010 
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $193.55
Final lender yield: 12.85% Final borrower rate/APR: 13.85% / 16.01% Final monthly payment: $170.52
 
Auction yield range: 5.71% - 22.00% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.69%  
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): 10 First credit line: Dec-1980 Debt/Income ratio: 6%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,325Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: moving2008 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: 1 / 1 On-time: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2008)
600-619 (Jun-2007)
 
Principal balance: $693.84 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Moving Again
Purpose of loan:
Help with the costs of?moving for a great new job opportunity.?

My financial situation:
I have sufficient income to support the monthly payment and have made all payments on time for my previous Prosper loan in 2008?- this loan was also made for moving.

Monthly net income: $7000

Monthly expenses: $
??Housing: $3000
??Insurance: $95
??Car expenses: $75
??Utilities: $250
??Phone, cable, internet: $125
??Food, entertainment: $1200?
??Clothing, household expenses $500?
??Credit cards and other loans: $800
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alpinaut$25.00$25.0010/22/2010 2:26:41 PM
Weaverville$50.00$50.0010/22/2010 2:29:37 PM
delicious-social132$50.00$50.0010/22/2010 2:30:59 PM
robertmm25$50.00$50.0010/22/2010 2:26:09 PM
digitalrinaldo$50.00$39.0310/22/2010 2:26:19 PM
bid-czar8$50.00$50.0010/22/2010 2:33:49 PM
GElender$50.00$50.0010/22/2010 2:34:06 PM
kmr2$200.00$200.0010/22/2010 2:35:08 PM
C_Mark$50.00$50.0010/22/2010 2:28:48 PM
successful-agreement7$100.00$100.0010/22/2010 2:31:16 PM
williemc44$50.00$50.0010/22/2010 2:31:06 PM
mjunlimited$50.00$50.0010/22/2010 2:37:54 PM
enthralling-deal180$50.00$50.0010/22/2010 2:34:16 PM
don8ter$25.00$25.0010/22/2010 2:34:55 PM
objective-investor$100.00$100.0010/22/2010 2:33:40 PM
ichibon$150.00$150.0010/22/2010 2:33:44 PM
handshake5$100.00$100.0010/22/2010 2:33:52 PM
reward-tsunami7$50.00$50.0010/22/2010 2:38:39 PM
Sevron$100.00$100.0010/22/2010 2:34:13 PM
teller$50.00$50.0010/22/2010 2:34:53 PM
mike_banker$50.00$50.0010/22/2010 2:36:37 PM
Aberdeen$400.00$400.0010/22/2010 2:41:36 PM
SimpleChoice$25.00$25.0010/22/2010 2:43:45 PM
Gabriel02$25.00$25.0010/22/2010 2:44:42 PM
the-money-position$50.00$50.0010/22/2010 2:42:26 PM
jdwillcox$50.00$50.0010/22/2010 3:03:29 PM
russm011$25.00$25.0010/22/2010 4:07:25 PM
greentomato$50.00$50.0010/22/2010 4:24:06 PM
loyalist1$60.48$60.4810/22/2010 6:32:35 PM
banker727$50.00$50.0010/22/2010 5:53:28 PM
thankful-nickel2$25.00$25.0010/22/2010 7:24:38 PM
jigsaw$25.00$25.0010/22/2010 9:40:33 PM
cloud8$25.00$25.0010/22/2010 9:32:12 PM
MoneyForNothing$39.37$39.3710/23/2010 1:17:34 AM
trustu$39.67$39.6710/23/2010 2:54:59 AM
Gobsek$25.00$25.0010/23/2010 3:12:31 AM
forthright-dedication$50.00$50.0010/23/2010 4:11:44 AM
asset-professor$50.00$50.0010/23/2010 4:12:01 AM
Railbird$25.00$25.0010/23/2010 8:36:35 AM
Cypher041$25.00$25.0010/23/2010 9:03:08 AM
Interstate_Rate$50.00$50.0010/23/2010 8:54:31 AM
WSTRDG$25.00$25.0010/23/2010 10:00:20 AM
nybanker85$32.20$32.2010/23/2010 10:46:11 AM
Clambake$30.82$30.8210/23/2010 12:27:36 PM
worthy-bid8$50.00$50.0010/22/2010 2:27:41 PM
schpere$100.00$100.0010/22/2010 2:28:05 PM
lend4help$35.00$35.0010/22/2010 2:26:06 PM
authentic-liberty7$25.00$25.0010/22/2010 2:32:48 PM
bowdish1$50.00$50.0010/22/2010 2:33:42 PM
efficient-treasure0$25.00$25.0010/22/2010 2:27:52 PM
generous-deal6$50.00$50.0010/22/2010 2:28:35 PM
MadHun$75.00$75.0010/22/2010 2:28:46 PM
payout-achievement$100.00$100.0010/22/2010 2:35:05 PM
BuffetRocks$50.00$50.0010/22/2010 2:35:13 PM
vigorous-velocity$100.00$100.0010/22/2010 2:35:59 PM
rescue$50.00$50.0010/22/2010 2:30:30 PM
sweet-social2$33.00$33.0010/22/2010 2:31:10 PM
HedgeFund$50.00$50.0010/22/2010 2:31:13 PM
ogmanny$50.00$50.0010/22/2010 2:37:34 PM
nunnie$25.00$25.0010/22/2010 2:31:48 PM
radforj22$25.00$25.0010/22/2010 2:32:01 PM
mla$25.00$25.0010/22/2010 2:34:51 PM
jeg3k$50.00$50.0010/22/2010 2:35:02 PM
orangetrust$100.00$100.0010/22/2010 2:34:44 PM
ray1051$25.00$25.0010/22/2010 2:37:51 PM
TakeCare$80.00$80.0010/22/2010 2:36:28 PM
wings2fly$25.00$25.0010/22/2010 2:41:44 PM
bold-durability-drum$50.00$50.0010/22/2010 2:38:47 PM
a-finance-nirvana$25.00$25.0010/22/2010 2:42:08 PM
jazzlender$50.00$50.0010/22/2010 2:39:24 PM
natural-affluence4$25.00$25.0010/22/2010 2:40:10 PM
BxRealtor$25.00$25.0010/22/2010 2:43:28 PM
Banker7371$25.00$25.0010/22/2010 2:45:13 PM
wwwUniversal$25.00$25.0010/22/2010 2:45:19 PM
FigTree$50.00$50.0010/22/2010 2:44:13 PM
JohnGalt79$100.00$100.0010/22/2010 2:44:44 PM
interstellar$50.00$50.0010/22/2010 2:45:05 PM
bountiful-durability$100.00$100.0010/22/2010 3:03:28 PM
zippy-interest$25.00$25.0010/22/2010 3:46:43 PM
lending_well$25.00$25.0010/22/2010 4:24:34 PM
penny-plato$25.00$25.0010/22/2010 4:49:06 PM
jpblan11$25.00$25.0010/22/2010 5:21:44 PM
Easystreet$25.00$25.0010/22/2010 6:51:30 PM
thrifty-peso$25.00$25.0010/22/2010 8:02:03 PM
MoneyForNothing$28.65$28.6510/23/2010 12:47:21 AM
samo102us$25.00$25.0010/23/2010 3:09:12 AM
HHP$25.00$25.0010/23/2010 3:15:27 AM
Tradesmanlender$25.00$25.0010/23/2010 2:53:15 AM
peb44$25.00$25.0010/23/2010 3:42:46 AM
Gibbyland$50.00$50.0010/23/2010 3:18:36 AM
iLoaner$25.00$25.0010/23/2010 3:19:10 AM
skuba$50.00$50.0010/23/2010 5:02:37 AM
studious-bonus7$56.78$56.7810/23/2010 4:12:55 AM
hannibal720$25.00$25.0010/23/2010 6:18:44 AM
mmzero$25.00$25.0010/23/2010 9:58:05 AM
runner262$25.00$25.0010/23/2010 11:15:51 AM
heerzaquestion$25.00$25.0010/23/2010 10:06:24 AM
maldok1$25.00$25.0010/23/2010 10:18:36 AM
klinebarger$25.00$25.0010/23/2010 10:46:38 AM
crenen139$25.00$25.0010/23/2010 12:21:56 PM
100 bids
 
Borrower Payment Dependent Notes Series 481132
This series of Notes was issued and sold upon the funding of the borrower loan #45107, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-22-2010 
  Auction end date:  Oct-25-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $134.61
 
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: Jun-1984 Debt/Income ratio: 22%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 6Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,464 
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: thoughtful-integrity1 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 some of my bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0010/22/2010 2:40:32 PM
handshake5$50.00$50.0010/22/2010 2:41:21 PM
successful-agreement7$100.00$100.0010/22/2010 3:26:33 PM
workinghardoregon$25.00$25.0010/22/2010 3:45:27 PM
gustavzantanon$25.00$25.0010/22/2010 3:52:34 PM
nybanker85$50.00$50.0010/22/2010 3:51:01 PM
SDNLR$25.00$25.0010/22/2010 3:56:16 PM
the-money-gargantuan$25.00$25.0010/22/2010 3:53:49 PM
Artist_Blue$25.00$25.0010/22/2010 3:56:55 PM
helping-out$25.00$25.0010/22/2010 3:58:44 PM
hope-equation$50.00$50.0010/22/2010 4:22:08 PM
desertoasis$25.00$25.0010/22/2010 4:27:48 PM
magnolia161$50.00$50.0010/22/2010 4:27:57 PM
zen1cent$25.00$25.0010/22/2010 4:29:11 PM
cablenews$25.00$25.0010/22/2010 4:29:30 PM
cloud8$25.00$25.0010/22/2010 9:26:51 PM
worth-arch$25.00$25.0010/22/2010 8:09:32 PM
Kreditorium$25.00$25.0010/23/2010 3:19:01 AM
forthright-dedication$50.00$50.0010/23/2010 2:53:45 AM
danthemon35$25.00$25.0010/23/2010 3:39:43 AM
lloyd_s$25.00$25.0010/23/2010 3:20:45 AM
momoney2lend$25.00$25.0010/23/2010 11:01:12 AM
sensible-order2$28.47$28.4710/23/2010 10:46:33 AM
jga516$25.00$25.0010/23/2010 3:41:40 PM
unforgettable-order9$50.00$50.0010/24/2010 8:12:19 AM
valiant-liberty4$25.00$25.0010/24/2010 1:52:23 PM
kmprospeo$50.00$50.0010/24/2010 6:35:20 PM
BlindJoeDeath$50.00$50.0010/24/2010 9:51:42 PM
JagFan$25.00$25.0010/25/2010 6:16:02 AM
Evolver$50.00$50.0010/25/2010 8:25:32 AM
oldmora$50.00$50.0010/25/2010 9:25:53 AM
flexible-vigilance7$25.00$25.0010/25/2010 8:39:22 AM
picklesforarthur$25.00$0.1910/25/2010 11:11:40 AM
Speculator$48.20$48.2010/25/2010 11:00:49 AM
bid-czar8$25.00$25.0010/22/2010 2:40:58 PM
radiant-loan5$200.00$200.0010/22/2010 2:41:32 PM
valiant-liberty4$25.00$25.0010/22/2010 2:45:36 PM
Georgetastic$25.00$25.0010/22/2010 3:45:44 PM
sharpchicago$25.00$25.0010/22/2010 3:47:29 PM
atothez$50.00$50.0010/22/2010 3:48:37 PM
sakha$50.00$50.0010/22/2010 3:46:01 PM
Jonb6919$25.00$25.0010/22/2010 3:46:37 PM
svandgts$25.00$25.0010/22/2010 3:48:19 PM
zone6$38.03$38.0310/22/2010 3:47:36 PM
justonejake$25.00$25.0010/22/2010 3:50:18 PM
special-currency6$25.00$25.0010/22/2010 3:52:12 PM
supersarah61$25.00$25.0010/22/2010 3:56:43 PM
moola-wildebeest3$25.00$25.0010/22/2010 3:58:50 PM
balance-handshake7$25.00$25.0010/22/2010 3:57:16 PM
Ocean713$50.00$50.0010/22/2010 3:56:34 PM
washboard1$50.00$50.0010/22/2010 3:57:46 PM
Interstate_Rate$135.87$135.8710/22/2010 4:29:09 PM
SPB$25.00$25.0010/22/2010 4:27:52 PM
kidsskipp$50.00$50.0010/22/2010 4:27:54 PM
fizwahh$40.00$40.0010/22/2010 4:29:05 PM
listing-trapper3$50.00$50.0010/22/2010 4:29:10 PM
NorthernFunds$50.00$50.0010/22/2010 4:29:07 PM
dedicated-diversification5$28.59$28.5910/22/2010 4:29:24 PM
ore-accord$40.00$40.0010/22/2010 8:13:30 PM
Rob717171$25.00$25.0010/23/2010 2:55:29 AM
Diamond_Jim$25.00$25.0010/23/2010 3:40:27 AM
czar3$33.24$33.2410/23/2010 3:39:41 AM
shrewd-peace7$25.00$25.0010/23/2010 4:10:41 AM
asset-professor$32.81$32.8110/23/2010 4:11:21 AM
glimmering-point$25.00$25.0010/23/2010 4:11:38 AM
Banker7371$25.00$25.0010/23/2010 10:46:56 AM
Comoparklender$25.00$25.0010/24/2010 5:56:13 AM
payment-gusto$25.00$25.0010/24/2010 6:56:42 AM
vine99$40.00$40.0010/24/2010 3:08:13 PM
larryboy10$25.00$25.0010/24/2010 9:41:32 PM
inspiring-reward$100.00$100.0010/25/2010 2:19:39 AM
MAYBROOK$50.00$50.0010/25/2010 2:13:36 AM
kindness-hickory5$34.60$34.6010/25/2010 8:21:35 AM
wwwUniversal$25.00$25.0010/25/2010 8:25:02 AM
noble-revenue$50.00$50.0010/25/2010 8:24:22 AM
w3alter$50.00$50.0010/25/2010 9:25:12 AM
unassassinable$25.00$25.0010/25/2010 9:06:39 AM
626457$25.00$25.0010/25/2010 10:54:37 AM
78 bids
 
Borrower Payment Dependent Notes Series 481144
This series of Notes was issued and sold upon the funding of the borrower loan #45127, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
Final lender yield: 26.50% Final borrower rate/APR: 27.50% / 31.05% Final monthly payment: $123.28
 
Auction yield range: 10.71% - 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: Sep-2005 Debt/Income ratio: 18%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,773Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: credit-duckling Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?
pay off my credit cards.
My financial situation:
I am a good candidate for this loan because?
I have a stable income, and my debts are all current. I would really like to be able to be debt free when I start looking to buy my first home, hopefully within a year or two.
Monthly net income: $
1530
Monthly expenses: $ 730
??Housing: $ 250
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 30
??Clothing, household expenses $ 0
??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: can you elaborate on the industry that you work in, and how stable that industry is/how difficult it would be to find a new job? thanks - cellardoor
A: I work in the banking industry. I am a Personal Banker, so I do customer service duties, and I am in charge of the consumer loans for my bank branch. I feel this is a stable industry, and if I were to lose my job, I am confident that I would be able to find employment at another bank. There are many banks in my area, so the options are abundant. (Oct-29-2010)
Q: How will trading your current credit card debit for a Prosper loan welp you? - Loan_Stranger
A: The payments for the Prosper loan will be less than what I am currently paying on my credit cards. (Nov-01-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/25/2010 3:32:03 PM
transaction-circuit$50.00$50.0010/25/2010 5:53:21 PM
bold-attentive-listing$25.00$25.0010/27/2010 5:03:21 PM
SolarMoonshine$25.00$25.0010/28/2010 4:12:46 AM
daekpon$25.00$25.0010/28/2010 7:33:16 PM
poolshark72$25.00$25.0010/28/2010 11:24:30 PM
impartial-deal$25.00$25.0010/29/2010 6:50:14 AM
loan-fate$58.69$58.6910/29/2010 5:38:40 PM
value-boomarang$25.00$25.0010/29/2010 6:24:18 PM
DHolly$30.00$30.0010/29/2010 6:47:36 PM
grammaspurse$25.00$25.0010/29/2010 8:50:20 PM
Makemony$50.00$50.0010/30/2010 12:30:17 AM
rockhound84$25.00$25.0010/30/2010 12:37:18 AM
mercuriant$25.00$25.0010/29/2010 5:38:54 PM
wwwUniversal$25.00$25.0010/30/2010 4:04:01 AM
orionn1$35.00$35.0010/29/2010 8:37:21 PM
platinum-hunter7$25.00$25.0010/29/2010 5:56:46 PM
skillful-asset5$25.00$25.0010/29/2010 6:27:21 PM
dime-futurist$25.00$25.0010/29/2010 7:58:05 PM
EngineersAlliance$48.78$48.7810/29/2010 8:00:31 PM
taetrade$25.00$25.0010/30/2010 6:46:04 AM
silverloan$50.00$50.0010/30/2010 2:36:48 AM
auction-mastery$25.00$25.0010/30/2010 12:54:39 AM
4mydaughterseducation$25.00$25.0010/30/2010 8:41:54 AM
scroooge$25.00$25.0010/30/2010 3:56:08 AM
randsenterprise$25.00$25.0010/30/2010 8:33:39 AM
JDLN$50.00$50.0010/30/2010 10:24:30 AM
mammalian4$25.00$25.0010/30/2010 10:58:22 AM
bratcher$35.26$35.2610/30/2010 12:49:55 PM
makosdJR02$26.94$26.9410/30/2010 1:31:25 PM
eloquent-bill6$25.00$25.0010/30/2010 1:55:20 PM
1stBankAndHal$35.00$35.0010/30/2010 11:59:40 AM
loans-from-us-2-u$25.00$25.0010/30/2010 12:21:06 PM
rinyt$25.00$25.0010/30/2010 12:46:34 PM
Leshan$25.00$25.0010/31/2010 9:51:08 AM
shellstar$25.00$25.0010/30/2010 4:00:24 PM
honey-money$25.00$25.0010/30/2010 6:55:35 PM
gain-dolphin$25.00$25.0010/30/2010 6:48:47 PM
love2garden$31.11$31.1110/31/2010 9:33:47 PM
loss-of-control$50.00$50.0010/31/2010 2:59:23 PM
KLcapital$25.00$25.0010/31/2010 3:06:46 PM
ALFLoan$25.00$25.0011/1/2010 6:23:20 AM
billybragg$25.00$25.0011/1/2010 5:35:00 AM
handshake5$100.00$51.0310/25/2010 3:27:28 PM
radiant-loan5$200.00$200.0010/25/2010 3:24:59 PM
new-truth-chuckler$33.00$33.0010/27/2010 8:19:09 AM
Bob450$25.00$25.0010/27/2010 8:16:16 PM
nilonc1$52.90$52.9010/28/2010 9:36:18 AM
patriot384$120.00$120.0010/28/2010 7:30:23 PM
PeePaw$25.00$25.0010/29/2010 2:50:38 PM
hookUup$100.00$100.0010/30/2010 12:47:19 AM
Streamfeeder$25.00$25.0010/30/2010 3:29:57 AM
Maximum_Investment$42.43$42.4310/29/2010 8:46:12 PM
mt3209$25.00$25.0010/30/2010 3:06:44 AM
umfan123$25.00$25.0010/30/2010 3:48:28 AM
Terapin0511$36.07$36.0710/30/2010 4:23:22 AM
AM2008$25.00$25.0010/30/2010 4:51:24 AM
Rogelio48$25.00$25.0010/30/2010 5:07:22 AM
Easystreet$25.00$25.0010/30/2010 2:19:05 AM
exchange-dreams$50.00$50.0010/30/2010 8:48:07 AM
duty-monger$50.00$50.0010/30/2010 10:53:20 AM
leverage-monger$25.00$25.0010/30/2010 7:58:21 AM
Mrgiggleswic$50.00$50.0010/30/2010 6:33:16 AM
ksubd$25.00$25.0010/30/2010 8:15:58 AM
revenue-spa8$25.00$25.0010/30/2010 9:17:17 AM
spiff666$25.00$25.0010/30/2010 10:01:45 AM
ttnk62918$25.00$25.0010/30/2010 9:34:55 PM
value-rocket$28.79$28.7910/30/2010 1:30:28 PM
welshcat$100.00$100.0010/31/2010 10:10:03 AM
cognizant-responsibility9$25.00$25.0010/30/2010 7:11:32 PM
economy-popcorn$25.00$25.0010/30/2010 8:44:15 PM
mpatrick$25.00$25.0010/31/2010 7:21:49 AM
PeterPsych$115.00$115.0010/31/2010 3:38:06 PM
mckhbnpc$30.00$30.0010/31/2010 5:37:06 PM
gjm6d$25.00$25.0010/31/2010 6:27:11 PM
worthy-bid4$30.00$30.0010/31/2010 11:47:09 AM
realtormoises$25.00$25.0010/31/2010 1:13:20 PM
fairgirl$25.00$25.0011/1/2010 6:18:07 AM
kttalamo$25.00$25.0010/31/2010 11:47:13 PM
Graven33$25.00$25.0010/31/2010 10:46:21 PM
E-B$50.00$50.0011/1/2010 3:31:56 AM
thatguyoverseas$35.00$35.0011/1/2010 6:33:40 AM
82 bids
 
Borrower Payment Dependent Notes Series 481152
This series of Notes was issued and sold upon the funding of the borrower loan #45132, 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-22-2010 
  Auction end date:  Oct-29-2010 
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $200.79
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $200.79
 
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): 8 First credit line: Oct-1995 Debt/Income ratio: 15%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $49,730Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: PetsPop 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: 26 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
660-679 (Jul-2008)
 
Principal balance: $981.98 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Fixed Term - Yahoooooo!
Purpose of loan:
Just want a little buffer/pay down some high interest cards.

My financial situation:
Pretty good risk - Stable?job in high demand profession (Supply Chain Management).

Proven?100% payment history on Prosper.?

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: you have a debt to income ratio of 15%. I see you have about 50K in debt and don't make more than 100k. Would that make your debt to income ratio at least of 50%? - Mighty_Hunter
A: Mighty Hunter, I'm sorry but I don't know how to answer your question. I don't think that I populate the debt to income ratio field, and consequently don't know what goes into the calculation. For example: I have $230k in mortgage debt. Does that mean that my debt to income ration is somewhere like 2.3/1? Thanks for your consideration in funding me... (Oct-28-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
radiant-loan5$200.00$200.0010/22/2010 2:41:33 PM
handshake5$50.00$50.0010/22/2010 2:41:22 PM
valiant-liberty4$25.00$25.0010/22/2010 2:46:15 PM
ThisGuyIKnow$25.00$25.0010/22/2010 3:21:22 PM
LuvToLend$25.00$25.0010/22/2010 3:21:56 PM
wampum-prodigy6$25.00$25.0010/22/2010 3:44:46 PM
antrux$25.00$25.0010/22/2010 3:44:57 PM
gamp$25.00$25.0010/22/2010 3:46:26 PM
Jonb6919$25.00$25.0010/22/2010 3:46:36 PM
successful-agreement7$100.00$100.0010/22/2010 3:26:31 PM
Gixxer600$50.00$50.0010/22/2010 3:47:14 PM
zone6$100.00$55.6810/22/2010 3:47:36 PM
jleng$25.00$25.0010/22/2010 3:44:50 PM
witty-principal$50.00$50.0010/22/2010 3:45:03 PM
magnolia161$50.00$50.0010/22/2010 3:45:10 PM
SPB$25.00$25.0010/22/2010 3:45:06 PM
fizwahh$40.00$40.0010/22/2010 3:47:12 PM
ADSFL05$25.00$25.0010/22/2010 3:45:57 PM
TheBaldGuy$25.00$25.0010/22/2010 3:46:22 PM
oldmora$50.00$50.0010/22/2010 3:46:58 PM
penny-plato$25.00$25.0010/22/2010 4:54:06 PM
platinum-hunter7$25.00$25.0010/22/2010 4:54:59 PM
thankful-nickel2$25.00$25.0010/22/2010 7:26:11 PM
integrity-doctor$100.00$100.0010/23/2010 1:37:08 PM
nyran20$25.00$25.0010/23/2010 5:52:11 PM
blue-useful-auction$25.00$25.0010/24/2010 12:23:24 PM
power-secret-agent$25.00$25.0010/25/2010 11:01:50 AM
aganippe$25.00$25.0010/25/2010 7:38:21 PM
outofoffice$50.00$50.0010/26/2010 7:18:17 AM
realtormoises$25.00$25.0010/26/2010 9:56:16 AM
penny-surgeon$25.00$25.0010/26/2010 10:45:20 AM
dajen1$50.00$50.0010/26/2010 10:18:40 AM
bradny$25.00$25.0010/26/2010 1:55:56 PM
quest0$25.00$25.0010/26/2010 3:58:30 PM
brightest-dignified-penny$25.00$25.0010/26/2010 4:08:43 PM
Rashanir$25.00$25.0010/26/2010 4:18:26 PM
Helenska11$25.00$25.0010/26/2010 8:20:20 PM
frogperson$250.00$250.0010/26/2010 9:53:38 PM
JerryB96$25.00$25.0010/27/2010 9:56:27 PM
NekHoldings$25.00$25.0010/28/2010 5:24:18 AM
loan-upholder4$25.00$25.0010/28/2010 11:20:31 AM
cbivitz$100.00$100.0010/28/2010 1:12:14 PM
Feyenoord$25.00$25.0010/28/2010 6:31:07 PM
wampum-amplifier$25.00$25.0010/28/2010 7:09:52 PM
houli123$100.00$100.0010/29/2010 6:27:28 AM
ronin4sale$25.00$25.0010/29/2010 7:11:31 AM
favorite-commerce$50.00$50.0010/29/2010 7:43:20 AM
Smallbear$25.00$25.0010/29/2010 3:55:54 AM
minnesotafinancial$25.00$25.0010/29/2010 6:33:13 AM
moola-accelerator6$25.00$25.0010/29/2010 7:51:22 AM
LeoBUSIIT$25.00$25.0010/29/2010 11:57:53 AM
Lubava$25.00$25.0010/29/2010 1:24:09 PM
fairness-atmosphere$25.00$25.0010/29/2010 9:59:40 AM
aultraman$25.00$25.0010/29/2010 10:20:34 AM
benefit-javelin$25.00$25.0010/29/2010 9:53:29 AM
ultimate-peace$25.00$25.0010/29/2010 11:45:28 AM
DasMula$25.00$25.0010/29/2010 11:54:32 AM
red-favorable-basis$25.00$25.0010/29/2010 1:20:43 PM
dinero-launcher$25.00$25.0010/29/2010 2:14:46 PM
AM2008$25.00$25.0010/29/2010 2:23:05 PM
inspiring-reward$80.00$80.0010/22/2010 2:46:28 PM
ryanplays311$25.00$25.0010/22/2010 3:07:12 PM
nletunic$36.17$36.1710/22/2010 3:44:54 PM
workinghardoregon$25.00$25.0010/22/2010 3:45:26 PM
loan-scientist8$25.00$25.0010/22/2010 3:46:06 PM
desertoasis$25.00$25.0010/22/2010 3:45:00 PM
kidsskipp$50.00$50.0010/22/2010 3:45:08 PM
mickeyroi$25.00$25.0010/22/2010 3:45:18 PM
yield-lion2$75.00$75.0010/22/2010 3:50:41 PM
kindness-hickory5$50.00$50.0010/22/2010 3:46:12 PM
nerdbomber$25.00$25.0010/22/2010 3:46:41 PM
MADAOO7$44.99$44.9910/22/2010 3:45:14 PM
apeloans$25.00$25.0010/22/2010 3:47:18 PM
sakha$50.00$50.0010/22/2010 3:46:00 PM
sharpchicago$25.00$25.0010/22/2010 3:47:28 PM
legend717$25.00$25.0010/22/2010 3:47:12 PM
reflective-rupee$33.00$33.0010/22/2010 4:44:26 PM
Trakissta$150.00$150.0010/22/2010 9:09:23 PM
twjh$25.00$25.0010/23/2010 3:33:33 AM
lucrative-loan$50.00$50.0010/23/2010 4:05:03 AM
wlm3012$25.00$25.0010/24/2010 11:10:45 AM
vtr1000$25.00$25.0010/24/2010 11:11:03 AM
maccpro1$50.00$50.0010/24/2010 5:35:00 PM
jpollar$25.00$25.0010/25/2010 6:44:01 AM
mike279766$45.51$45.5110/25/2010 2:11:36 PM
SFBank$300.00$300.0010/25/2010 7:36:34 PM
localsports38$48.65$48.6510/26/2010 9:31:17 AM
fabulous-community4$50.00$50.0010/26/2010 9:32:44 AM
leprechaun92$25.00$25.0010/26/2010 4:39:07 PM
Bob450$25.00$25.0010/26/2010 3:59:31 PM
ritwik$50.00$50.0010/26/2010 5:03:08 PM
bold-attentive-listing$25.00$25.0010/26/2010 7:49:52 PM
heerzaquestion$25.00$25.0010/27/2010 8:28:52 AM
atomantic$50.00$50.0010/27/2010 10:45:59 AM
patriot384$176.00$176.0010/27/2010 1:37:57 PM
funds-kingdom$30.00$30.0010/27/2010 3:58:36 PM
Ubiquinone$35.00$35.0010/27/2010 8:35:26 PM
mpatrick$25.00$25.0010/27/2010 8:16:40 PM
Fire2$25.00$25.0010/27/2010 6:51:13 PM
Mikale360$25.00$25.0010/28/2010 7:08:48 AM
Belair_Advisors$25.00$25.0010/28/2010 10:03:35 AM
grampy48$75.00$75.0010/28/2010 1:23:55 PM
Mighty_Hunter$50.00$50.0010/28/2010 11:16:26 AM
superb-social$100.00$100.0010/28/2010 2:54:06 PM
SkinnyFish$25.00$25.0010/28/2010 5:00:06 PM
willinvest$25.00$25.0010/28/2010 3:58:24 PM
Ven58$25.00$25.0010/29/2010 1:36:21 AM
Astyanax$75.00$75.0010/28/2010 6:24:45 PM
siafu_kali$25.00$25.0010/29/2010 5:09:15 AM
Jerrys1951$50.00$50.0010/28/2010 7:41:44 PM
bitano$50.00$50.0010/29/2010 7:49:32 AM
investment-artist$25.00$25.0010/29/2010 10:11:24 AM
BrighterSuns$25.00$25.0010/29/2010 12:30:58 PM
supreme-hope$25.00$25.0010/29/2010 1:30:09 PM
114 bids
 
Borrower Payment Dependent Notes Series 481186
This series of Notes was issued and sold upon the funding of the borrower loan #45124, 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: 9.80% Auction start date:  Oct-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $241.74
Final lender yield: 24.75% Final borrower rate/APR: 25.75% / 29.27% Final monthly payment: $240.95
 
Auction yield range: 10.71% - 25.00% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,213Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: bonneville83 Borrower's state: NewYork Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 25 ( 96% ) 700-719 (Latest)
Principal borrowed: $5,500.00< 31 days late: 1 ( 4% )  
680-699 (Feb-2010)
680-699 (Jun-2008)
640-659 (Apr-2008)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Relist, 700-719 Score, CC, Med Debt
Purpose of loan:
This loan will be used to consolidate the debt from three credit cards into one.? Due to medical bills from an unexpected bout with cancer, I had to do quite a bit of charging on my credit cards to cover expenses.? I'm out of the woods now and wanted to get back on track consolidating and eliminating debt.? Also, one monthly payment will be much easier to manage.

My financial situation:
I am a good candidate for this loan because I have a steady income ($2148 a month), few expenses, and my credit score history shows a steady improvement.? My Prosper Rating is admittedly not great and I can only say that it does not accurately reflect my credit worthiness.? I am currently a Ph.D. student in Engineering receiving a modest stipend.? I also am living at home so I have very few expenses and can devote the majority of my income to debt repayment.? I overpay all debts and can devote $1400 a month to debt payments. I am aggressive about paying down my debt.? The single late payment on a previous Prosper loan was due to a delay in processing a deposit by my bank.? Once the deposit cleared I immediately made the payment.? You can be assured that this will never happen again.

If funded, this will be my fourth successful loan with Prosper.? Prosper works and hopefully my credit score history attests to this fact.? I am an active investor in Prosper and will answer any and all questions you may have.? I have paid all of my Prosper loans back in full and ahead of schedule and this one will be no different.?

Monthly net income: $ 2148

Monthly expenses: $ 1803??Housing: $ 0??Insurance: $ 83??Car expenses: $ 100??Utilities: $ 0??Phone, cable, internet: $ 70??Food, entertainment: $ 100??Clothing, household expenses $ 50??Credit cards and other loans: $ 1400? (I overpay on my debts.? Minimum payments are around $700.00 a month)??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: What are the interest rates and balances on each of the credit cards youi wish to consolidate? - mjerryfirst
A: There are two things I want to tackle with this loan. I have $3400 of medical related charges on a Citibank Mastercard at a 29.99% rate and I also have $2232 of a Hospital bill due by the end of November. I'd rather not charge anymore to that high interest card which is my only card that hasn't had its limit cut. (Oct-31-2010)
Q: As an engineering student, I assume you know that the quickest way to pay down multiple debts is to make any extra principal payments on the debts with the highest interest rate ?? - mjerryfirst
A: Absolutely, but I've gotten burned that way too. I had an HSBC card go from being my 2nd lowest rate to my highest rate for no reason and ended up having to pay 34.99% on a pretty high balance. That's why I overpay on everything. It'll take longer and I'll probably pay more, but I don't want to have to scramble again with shifting around debt to save money. (Nov-01-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/25/2010 3:32:09 PM
handshake5$100.00$100.0010/25/2010 3:27:33 PM
inspiring-reward$100.00$100.0010/25/2010 4:34:50 PM
investment-artist$25.00$25.0010/26/2010 4:16:17 PM
suave-dime6$25.00$25.0010/26/2010 6:03:45 PM
musegaze$100.00$100.0010/27/2010 4:24:35 PM
teller$50.00$50.0010/27/2010 5:06:24 PM
simplelender80$200.00$200.0010/28/2010 3:04:56 PM
Artist_Blue$25.00$25.0010/29/2010 9:33:41 AM
smear87$25.00$25.0010/29/2010 2:33:00 PM
asiaratt$50.00$50.0010/29/2010 2:37:18 PM
saxaphone6$25.00$25.0010/29/2010 2:39:45 PM
graceful-investment$100.00$100.0010/29/2010 3:11:06 PM
momoney2lend$25.00$25.0010/29/2010 2:57:04 PM
money-bauble$25.00$25.0010/29/2010 3:10:43 PM
red-power-pecan$50.00$50.0010/29/2010 3:09:10 PM
SolarMoonshine$25.00$25.0010/29/2010 4:20:14 PM
neutrino6$25.00$25.0010/29/2010 3:12:04 PM
orangetrust$50.00$50.0010/29/2010 3:14:10 PM
GElender$50.00$50.0010/29/2010 3:51:33 PM
Investoman$25.00$25.0010/29/2010 7:08:10 PM
b-rent$25.00$25.0010/30/2010 3:48:19 AM
treasure-bliss$50.00$50.0010/30/2010 4:04:26 AM
randsenterprise$25.00$25.0010/30/2010 8:33:46 AM
orange-preeminant-bill$50.00$50.0010/30/2010 4:35:57 AM
escharfer$25.00$25.0010/30/2010 8:33:54 AM
jo2y$25.00$25.0010/31/2010 1:53:30 PM
onlyinchicago$50.00$50.0010/31/2010 7:13:06 AM
kulender$100.00$100.0010/31/2010 8:17:19 AM
profitable-return5$25.00$25.0010/31/2010 1:53:43 PM
lendme2$35.90$35.9010/31/2010 8:58:04 PM
PXM-Financial$48.00$48.0010/31/2010 9:28:05 PM
kind-bill-supporter$32.88$32.8810/31/2010 1:53:51 PM
IIP77$25.00$25.0010/31/2010 1:53:57 PM
Paxman84$28.00$28.0010/31/2010 3:17:36 PM
Rashanir$25.00$25.0010/31/2010 5:20:18 PM
IntrepidInvestment$25.00$25.0011/1/2010 7:03:28 AM
Bcs-cnc$50.00$50.0010/31/2010 8:14:04 PM
golden-cat$25.00$25.0011/1/2010 7:28:57 AM
worthy-bid4$100.00$100.0011/1/2010 9:28:18 AM
nickel-hickory$50.00$50.0010/31/2010 11:48:09 PM
HedgeFund$50.00$50.0011/1/2010 9:49:34 AM
flwah$25.00$25.0011/1/2010 9:49:42 AM
orange-dollar-guild$25.00$25.0011/1/2010 6:59:00 AM
Gladglide$30.00$30.0011/1/2010 7:47:57 AM
bnlforever$25.00$25.0011/1/2010 7:12:13 AM
tech310$25.00$25.0011/1/2010 7:12:51 AM
jonnysixgun$25.00$25.0011/1/2010 11:23:39 AM
new-social-economist$47.41$47.4111/1/2010 9:08:33 AM
Untiedshu$100.00$100.0011/1/2010 12:02:51 PM
lostontheedge$25.00$25.0011/1/2010 9:40:47 AM
WorldlyWorker$25.00$25.0011/1/2010 10:06:04 AM
DasMula$50.00$50.0011/1/2010 9:48:11 AM
CPAecs$25.00$25.0011/1/2010 9:57:17 AM
mdf$36.67$36.6711/1/2010 10:33:14 AM
bzlbub$50.00$50.0011/1/2010 10:33:19 AM
srthsvghdthtr$25.00$25.0011/1/2010 10:43:05 AM
lending-bear$25.00$25.0011/1/2010 11:04:11 AM
mla$25.00$25.0011/1/2010 11:40:54 AM
larrybird$150.00$119.6111/1/2010 11:41:47 AM
Hambone1111$25.00$25.0011/1/2010 11:39:55 AM
ultimate-peace$25.00$25.0011/1/2010 1:35:09 PM
worldly-gold$100.00$100.0011/1/2010 1:45:08 PM
bid-czar8$25.00$25.0010/25/2010 3:33:46 PM
radiant-loan5$200.00$200.0010/25/2010 3:25:06 PM
Trakissta$150.00$150.0010/25/2010 7:53:51 PM
natural-greenback6$25.00$25.0010/26/2010 5:02:38 PM
all_of_that_one$40.00$40.0010/26/2010 4:57:05 PM
loanasauras$50.00$50.0010/26/2010 5:54:46 PM
NekHoldings$25.00$25.0010/27/2010 5:18:26 AM
skuba$25.00$25.0010/27/2010 4:24:23 PM
NoCal$30.00$30.0010/27/2010 4:16:01 PM
shmb6508$50.00$50.0010/27/2010 4:24:46 PM
encouraging-fund$50.00$50.0010/28/2010 10:06:44 AM
TakeCare$60.00$60.0010/28/2010 10:32:41 AM
superb-social$100.00$100.0010/28/2010 2:59:02 PM
Bob450$35.00$35.0010/28/2010 10:46:06 PM
velocity-solo$25.00$25.0010/29/2010 9:43:35 AM
sagan$25.00$25.0010/29/2010 9:47:35 AM
worthy-bid8$25.00$25.0010/29/2010 2:35:46 PM
credible-balance0$25.00$25.0010/29/2010 2:38:24 PM
Comoparklender$50.00$50.0010/29/2010 2:40:40 PM
point-kitten6$50.00$50.0010/29/2010 2:37:07 PM
Wellman$50.00$50.0010/29/2010 3:12:18 PM
KiwiElf$30.00$30.0010/30/2010 1:40:37 AM
papaloha$200.00$200.0010/29/2010 10:13:19 PM
FeedTheMachine$43.78$43.7810/29/2010 7:28:10 PM
famous-bill$25.00$25.0010/30/2010 5:19:23 AM
JJ9876$25.00$25.0010/30/2010 8:40:39 AM
shrewd-peace7$50.00$50.0010/30/2010 4:34:39 AM
jhouman$25.00$25.0010/30/2010 8:09:29 AM
BrighterSuns$25.00$25.0010/30/2010 7:27:47 AM
generous-deal6$25.00$25.0010/30/2010 5:25:58 PM
cropdust3r$25.00$25.0010/31/2010 11:08:12 AM
autumn_leaves$25.00$25.0010/31/2010 11:14:32 AM
bunnybear$28.71$28.7110/30/2010 10:16:46 PM
Easystreet$25.00$25.0010/31/2010 1:08:13 PM
E-B$50.00$50.0010/31/2010 4:16:45 AM
asmithj$39.89$39.8910/31/2010 1:53:26 PM
loss-of-control$50.00$50.0010/31/2010 3:01:25 PM
Trevor_C$25.00$25.0010/31/2010 1:53:22 PM
turbobrat$50.00$50.0010/31/2010 1:53:45 PM
mjerryfirst$400.00$400.0011/1/2010 12:22:07 AM
Katieo$25.00$25.0011/1/2010 7:03:31 AM
seisen$100.00$100.0011/1/2010 9:38:37 AM
social-conductor4$25.00$25.0011/1/2010 6:44:26 AM
burrito6$25.00$25.0011/1/2010 9:49:46 AM
wampum-chorus3$25.00$25.0011/1/2010 11:03:59 AM
outofoffice$50.00$50.0011/1/2010 11:29:47 AM
platinum-celebration4$25.00$25.0011/1/2010 9:38:49 AM
MissionMicroFinance$25.00$25.0011/1/2010 9:46:34 AM
noble-revenue$52.75$52.7511/1/2010 10:05:21 AM
MadHun$29.91$29.9111/1/2010 9:49:24 AM
hamster$26.49$26.4911/1/2010 10:29:45 AM
lagnisiruk$25.00$25.0011/1/2010 10:33:20 AM
moola-monger9$50.00$50.0011/1/2010 2:14:27 PM
Astyanax$75.00$75.0011/1/2010 11:27:45 AM
Mocaba$150.00$150.0011/1/2010 2:50:22 PM
rmpedi33$25.00$25.0011/1/2010 11:26:01 AM
ethicalhumanist$50.00$50.0011/1/2010 12:49:12 PM
skaught$30.00$30.0011/1/2010 1:03:35 PM
supreme-hope$25.00$25.0011/1/2010 12:56:30 PM
mpatrick$25.00$25.0011/1/2010 2:31:29 PM
123 bids
 
Borrower Payment Dependent Notes Series 481362
This series of Notes was issued and sold upon the funding of the borrower loan #45138, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,100.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-25-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 32.98% Starting monthly payment: $45.20
Final lender yield: 21.00% Final borrower rate/APR: 22.00% / 27.30% Final monthly payment: $42.01
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.31%  
Lender servicing fee: 1.00% Estimated return: 9.69%  
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): 8 First credit line: Sep-1988 Debt/Income ratio: 14%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,600Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: ecstatic-p2ploan5 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
fixing the air conditioner in car
Purpose of loan:
This loan will be used to? fix air conditioner in my car

My financial situation:
I am a good candidate for this loan because? I will have no problems making the payments on time .

Monthly net income: $ 3100

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 49
??Car expenses: $ 312
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
scamps$25.00$25.0010/25/2010 8:01:22 PM
SolarMoonshine$25.00$25.0010/26/2010 3:37:46 AM
jpollar$25.00$25.0010/28/2010 6:44:15 AM
smarva$25.00$25.0010/29/2010 11:32:22 AM
worth-excellence4$25.00$25.0010/29/2010 10:54:30 PM
SOP_Bank$25.00$25.0010/30/2010 7:32:34 AM
exchange-dreams$25.00$25.0010/30/2010 8:50:21 AM
economy-popcorn$25.00$25.0010/30/2010 8:44:49 PM
lijah10$26.98$26.9810/31/2010 7:58:05 AM
CASSHMAN$75.00$75.0010/31/2010 9:22:30 AM
Investoman$25.00$25.0010/31/2010 9:27:18 PM
honey-money$25.00$25.0011/1/2010 4:43:40 AM
transaction-circuit$50.00$50.0010/25/2010 5:53:23 PM
lendstats_com$25.00$25.0010/25/2010 6:24:13 PM
EngineersAlliance$150.00$150.0010/25/2010 7:46:46 PM
thankful-nickel2$25.00$25.0010/26/2010 7:15:48 AM
Reliance_Banker$50.00$50.0010/26/2010 6:34:26 PM
Fishy014$30.00$30.0010/27/2010 7:23:56 PM
wlm3012$25.00$25.0010/29/2010 10:26:48 AM
FundMaker$25.00$25.0010/29/2010 9:42:58 AM
KlarthXVII$25.00$25.0010/29/2010 9:00:27 PM
Rosencranz$25.00$25.0010/29/2010 4:29:15 PM
hookUup$100.00$100.0010/30/2010 12:53:06 AM
trader-joe$25.00$25.0010/30/2010 9:01:53 AM
loans-from-us-2-u$25.00$25.0010/30/2010 12:12:37 PM
durability-halibut$25.00$25.0010/30/2010 2:53:05 PM
spibytes$28.73$22.0210/31/2010 12:05:45 PM
heerzaquestion$25.00$25.0010/31/2010 9:36:48 AM
gjm6d$26.00$26.0010/31/2010 6:28:49 PM
chevy92$45.00$45.0010/31/2010 6:23:06 PM
zztopdog$25.00$25.0010/31/2010 11:17:31 PM
31 bids
 
Borrower Payment Dependent Notes Series 473801
This series of Notes was issued and sold upon the funding of the borrower loan #45129, 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: 24.00% Auction start date:  Oct-27-2010 
  Auction end date:  Nov-01-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 30.00% Final borrower rate/APR: 31.00% / 35.05% Final monthly payment: $64.50
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 25.76%  
Lender servicing fee: 1.00% Estimated return: 4.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1996 Debt/Income ratio: 45%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 11Length of status:10y 2m
Amount delinquent: $849 Total credit lines: 48 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,245Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: lala2506 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 / 2 On-time: 69 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
620-639 (Nov-2007)
680-699 (Oct-2006)
 
Principal balance: $152.78 31+ days late: 0 ( 0% )
Total payments billed: 69  
Description
My personal loan
Purpose of loan:
This loan will be used to pay the delinquent that i have on my credit?

My financial situation:
I am a good candidate for this loan because?I pay all my bills and I am a reasonable person. I have longevity at?my employer.?
Monthly net income: $ 4065.00

Monthly expenses: $
??Housing: $ 2248.00
??Insurance: $ 150.00
??Car expenses: $ 150.00
??Utilities: $ 175.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 120.00
??Credit cards and other loans: $ 450.00
??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)
Moe87$50.00$50.0010/27/2010 5:44:00 PM
UCLA4life$25.00$25.0010/28/2010 10:58:46 AM
Chesterite$25.00$25.0010/28/2010 1:18:19 PM
Stek7$25.00$25.0010/29/2010 7:10:01 AM
Kash2010lu$25.00$25.0010/29/2010 7:17:30 PM
return-grizzly$100.00$21.0010/30/2010 7:55:47 AM
blitzen40$50.00$50.0010/30/2010 12:24:49 PM
quicksilver70$25.00$25.0010/30/2010 5:11:30 PM
Aberdeen$999.00$999.0010/31/2010 1:18:35 PM
cashhelp$50.00$50.0010/31/2010 1:22:56 PM
RainyDayFunds$25.00$25.0010/31/2010 11:29:03 AM
Amber_Stone$25.00$25.0010/27/2010 8:15:52 PM
myutmost$25.00$25.0010/30/2010 5:46:18 AM
genuine-integrity0$25.00$25.0010/30/2010 12:48:16 PM
mrreynol$30.00$30.0010/31/2010 2:41:25 PM
realtormoises$25.00$25.0010/31/2010 1:12:41 PM
dudebrah$25.00$25.0010/31/2010 11:18:29 PM
UCLA4life$25.00$25.0010/31/2010 3:45:50 PM
18 bids
 
Borrower Payment Dependent Notes Series 479449
This series of Notes was issued and sold upon the funding of the borrower loan #45126, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Oct-13-2010 
  Auction end date:  Oct-20-2010 
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.50% Final monthly payment: $79.52
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.39%  
Lender servicing fee: 1.00% Estimated return: 12.61%  
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: Aug-1999 Debt/Income ratio: 37%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 14Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 37 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,210Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: payout-apple 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 credit cards
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)
transaction-circuit$50.00$50.0010/13/2010 2:50:44 PM
SolarMoonshine$25.00$25.0010/18/2010 6:18:36 AM
nickelasaurus-rex$25.00$25.0010/18/2010 8:36:36 AM
Roundhouse$50.00$50.0010/18/2010 8:26:46 PM
freedom3$1,116.85$1,116.8510/19/2010 3:24:12 PM
gothampark$25.00$25.0010/19/2010 5:10:30 PM
thankful-nickel2$25.00$25.0010/19/2010 5:39:16 PM
credit-missile$25.00$25.0010/20/2010 7:20:09 AM
admirable-loyalty$25.00$25.0010/20/2010 9:12:59 AM
Requiem$25.00$25.0010/20/2010 11:06:43 AM
social-zebra$26.00$26.0010/20/2010 12:04:57 PM
fireferd$35.00$35.0010/20/2010 12:46:17 PM
just-trade0$25.00$25.0010/20/2010 2:12:53 PM
friendinmoney$25.00$25.0010/20/2010 2:29:42 PM
grampy48$25.00$25.0010/20/2010 1:47:51 PM
SeeksValue$25.00$25.0010/13/2010 3:00:17 PM
reflective-rupee$50.00$50.0010/13/2010 4:30:31 PM
bold-attentive-listing$25.00$21.1910/14/2010 12:32:56 PM
Joshua_E$25.00$25.0010/17/2010 2:16:23 AM
tech310$50.00$50.0010/19/2010 8:27:38 AM
Bocephus1959$25.00$25.0010/19/2010 5:53:43 PM
scho0590$26.68$26.6810/19/2010 5:57:03 PM
paradisenow$25.00$25.0010/20/2010 12:27:04 AM
credit-missile$25.00$25.0010/20/2010 7:21:03 AM
Bob450$25.00$25.0010/20/2010 8:33:55 AM
mpatrick$25.00$25.0010/20/2010 10:39:53 AM
nickel-launcher$29.28$29.2810/20/2010 2:34:33 PM
patriot384$120.00$120.0010/20/2010 1:44:09 PM
28 bids
 
Borrower Payment Dependent Notes Series 480133
This series of Notes was issued and sold upon the funding of the borrower loan #45118, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Oct-18-2010 
  Auction end date:  Oct-22-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
Final lender yield: 29.00% Final borrower rate/APR: 30.00% / 33.61% Final monthly payment: $148.58
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 19.99%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1999 Debt/Income ratio: 33%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,141Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: SUCCESSAHEAD Borrower's state: Colorado Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 47 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2009)
620-639 (Sep-2007)
540-559 (Feb-2007)
540-559 (Feb-2007)
 
Principal balance: $1,471.36 31+ days late: 0 ( 0% )
Total payments billed: 47  
Description
Never Missed a Prosper Payment!
Purpose of loan: Debt consolidation.
This loan will be used to? pay off very high interest pay advance loans,?and consolidate some credit cards?I needed for auto repairs and a family emergency.??

My financial situation:
I am a good candidate for this loan because? I have never missed or was late for a single?Prosper loan payment. I have been in the same profession for over 30 years... and my credit score has improved 20 points?since starting with Prosper.

Monthly net income: $3940

Monthly expenses: $1638?
??Housing: $450
??Insurance: $90
??Car expenses: $ 120
??Utilities: $65
??Phone, cable, internet: $65
??Food, entertainment: $240
??Clothing, household expenses $68
??Credit cards and other loans: $485
??Other expenses: $55
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$25.0010/18/2010 3:13:44 PM
penny-plato$25.00$25.0010/18/2010 4:56:31 PM
well-rounded-return3$100.00$100.0010/18/2010 8:29:40 PM
Flying_Tilapia$25.00$25.0010/20/2010 4:19:00 AM
Aberdeen$400.00$400.0010/20/2010 9:06:04 AM
Aberdeen$400.00$400.0010/20/2010 9:06:07 AM
shawnw2$242.46$242.4610/20/2010 12:44:56 PM
SolarMoonshine$25.00$25.0010/20/2010 5:07:00 PM
loanman2007$150.00$150.0010/21/2010 7:00:04 AM
Chesterite$25.00$25.0010/21/2010 10:01:06 AM
mikeandcat$101.10$101.1010/21/2010 10:33:59 AM
DenimCapital$350.00$232.2510/21/2010 11:02:43 AM
Branch95$25.00$25.0010/21/2010 12:14:13 PM
taetrade$25.00$25.0010/21/2010 3:34:59 PM
unger$200.00$200.0010/21/2010 4:51:18 PM
platinum-hunter7$35.00$35.0010/21/2010 5:33:44 PM
bizzzond$101.00$101.0010/21/2010 7:06:11 PM
Socorro_Capital_Partners$25.00$25.0010/22/2010 9:51:09 AM
Whitewater_Loans$50.00$50.0010/22/2010 11:40:44 AM
SANTIAGO1$25.00$25.0010/22/2010 12:41:55 PM
realtormoises$25.00$25.0010/22/2010 3:13:55 PM
the-fantastic-bid$50.00$50.0010/22/2010 5:16:01 PM
kander80$25.00$25.0010/22/2010 7:34:34 PM
usedtoborrow$50.00$50.0010/18/2010 3:02:07 PM
seadrg$25.00$25.0010/18/2010 7:09:31 PM
Aberdeen$400.00$400.0010/20/2010 9:06:06 AM
moola-escalator$115.01$115.0110/20/2010 11:44:57 AM
Kash2010lu$50.00$50.0010/20/2010 12:03:02 PM
ustfu$25.00$25.0010/20/2010 1:22:06 PM
atlas100$50.00$50.0010/20/2010 2:53:53 PM
thankful-nickel2$25.00$25.0010/20/2010 4:29:08 PM
glroark$50.00$50.0010/20/2010 8:31:05 PM
EEasyMoney$25.00$25.0010/21/2010 7:25:48 AM
mikeandcat$48.18$48.1810/21/2010 10:34:47 AM
Bob450$25.00$25.0010/21/2010 10:54:27 AM
jpollar$25.00$25.0010/21/2010 11:15:53 AM
investment-artist$25.00$25.0010/21/2010 11:21:35 AM
fizicks06$50.00$50.0010/21/2010 12:00:36 PM
interest-goblin$25.00$25.0010/21/2010 3:53:48 PM
exchange-dreams$25.00$25.0010/21/2010 7:22:06 PM
FinanceEngine$25.00$25.0010/22/2010 7:57:50 AM
economy-popcorn$25.00$25.0010/22/2010 5:37:09 AM
wlm3012$25.00$25.0010/22/2010 9:53:55 AM
supreme-hope$25.00$25.0010/22/2010 1:48:32 PM
himistu22$25.00$25.0010/22/2010 3:44:46 PM
45 bids
 
Borrower Payment Dependent Notes Series 480741
This series of Notes was issued and sold upon the funding of the borrower loan #45135, 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-25-2010 
  Auction end date:  Nov-01-2010 
 
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): 5 First credit line: Aug-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $619Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: desbynac Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2010)
640-659 (Jan-2010)
640-659 (Dec-2009)
620-639 (Jun-2008)
 
Principal balance: $1,693.93 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
consolidate small business
Purpose of loan:
This loan will be used to? finish my paint boot

My financial situation:
?My 1st loan was canceled due to address change,2nd one cause i'm self employed since 2008 and my profile haven't been changed. wednesday i sent new documents to prosper and this 3rd listing is under self employed.?the way things are working for me ,i don't think i need to go?back working $9/h?to keep paying?for these loans.??

Monthly net income: $ 2500

Monthly expenses: $ 1400????????
??Housing: $ 0????
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $ 184
??Phone, cable, internet: $ 80
??Food, entertainment: $ 250
??Clothing, household expenses $ 170
??Credit cards and other loans: $ 350
??Other expenses: $ 150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
valiant-liberty4$25.00$25.0010/25/2010 3:30:54 PM
helping-out$25.00$25.0010/25/2010 4:51:08 PM
Amber_Stone$25.00$25.0010/26/2010 5:23:51 AM
brother_tam$50.00$50.0010/26/2010 5:43:59 PM
NekHoldings$25.00$25.0010/27/2010 5:21:38 AM
shmb6508$50.00$50.0010/27/2010 1:35:18 PM
TakeCare$50.00$50.0010/27/2010 4:19:14 PM
greenback-guard$25.00$25.0010/27/2010 4:32:17 PM
teller$50.00$50.0010/27/2010 4:23:42 PM
larryboy10$25.00$25.0010/27/2010 6:17:34 PM
worthy-bid8$25.00$25.0010/28/2010 10:39:08 AM
simplelender80$200.00$200.0010/28/2010 3:04:50 PM
asiaratt$47.34$47.3410/28/2010 10:05:41 PM
velocity-solo$25.00$25.0010/29/2010 9:43:31 AM
Artist_Blue$25.00$25.0010/29/2010 9:32:23 AM
Comoparklender$45.02$45.0210/29/2010 1:15:45 PM
shrewd-peace7$50.00$50.0010/29/2010 2:32:51 PM
jigsaw$50.00$50.0010/29/2010 2:35:58 PM
Easystreet$25.00$25.0010/29/2010 2:36:55 PM
jobani$30.00$30.0010/29/2010 2:39:11 PM
iolaire$25.00$25.0010/29/2010 2:58:28 PM
dough-destiny$25.00$25.0010/29/2010 2:58:51 PM
HedgeFund$50.00$50.0010/29/2010 2:37:15 PM
turbobrat$50.00$50.0010/29/2010 2:39:02 PM
djindepth$50.00$50.0010/29/2010 2:39:29 PM
red-power-pecan$50.00$50.0010/29/2010 2:32:57 PM
neutrino6$25.00$25.0010/29/2010 2:35:38 PM
Wellman$50.00$50.0010/29/2010 2:36:05 PM
momoney2lend$25.00$25.0010/29/2010 2:36:27 PM
JJ9876$25.00$25.0010/29/2010 2:40:21 PM
puifais$25.00$25.0010/29/2010 3:10:02 PM
retired272$25.00$25.0010/29/2010 3:10:07 PM
selector568$100.00$100.0010/29/2010 2:57:54 PM
bright-balance$50.00$50.0010/29/2010 2:58:12 PM
the-upbeat-p2p$50.00$50.0010/29/2010 2:58:21 PM
bold-yield-rumbler$25.00$25.0010/29/2010 2:58:26 PM
euro-banker$50.00$50.0010/29/2010 2:58:31 PM
bold-shrewd-duty$25.00$25.0010/29/2010 2:58:36 PM
green-capital-hornet$25.00$25.0010/29/2010 2:58:56 PM
head$25.00$25.0010/29/2010 2:58:16 PM
well-mannered-marketplace5$25.00$25.0010/29/2010 2:58:27 PM
rockstar78$25.00$25.0010/29/2010 3:09:30 PM
data2360$50.00$50.0010/29/2010 3:09:44 PM
gold-channel2$50.00$50.0010/29/2010 3:09:59 PM
Lam0nt$25.00$25.0010/29/2010 3:10:20 PM
thatguyoverseas$25.00$25.0010/29/2010 3:10:28 PM
copper$50.00$23.1310/29/2010 3:10:31 PM
IIP77$25.00$25.0010/29/2010 3:07:48 PM
Sagenius$25.00$25.0010/29/2010 3:10:37 PM
jhouman$25.00$25.0010/30/2010 2:48:00 AM
Bob450$30.00$30.0010/29/2010 6:32:19 PM
zone6$100.00$100.0010/30/2010 5:40:29 AM
Legally_Blonde$25.00$25.0010/30/2010 7:27:43 AM
lucrative-loan$50.00$50.0010/30/2010 5:10:25 AM
justbman$82.65$82.6510/30/2010 8:48:35 AM
brondero$75.00$75.0010/30/2010 1:12:51 PM
SouthernRemarketing$26.80$26.8010/31/2010 10:55:36 AM
autumn_leaves$50.00$50.0010/31/2010 11:12:19 AM
Rashanir$33.52$33.5210/31/2010 5:19:05 PM
jpollar$25.00$25.0010/31/2010 12:35:55 PM
realtormoises$25.00$25.0010/31/2010 1:11:19 PM
Zipcut$25.00$25.0011/1/2010 6:31:52 AM
reflective-rupee$33.00$33.0010/31/2010 9:02:37 PM
Saleen06$25.00$25.0010/31/2010 8:18:02 PM
silver-frog0$600.00$600.0010/31/2010 8:23:24 PM
nickel-position$25.00$25.0011/1/2010 2:32:53 AM
Zipcut$25.00$25.0011/1/2010 6:31:23 AM
mikeandcat$100.00$100.0011/1/2010 7:05:37 AM
enthusiastic-balance5$200.00$200.0011/1/2010 6:53:31 AM
DasMula$50.00$50.0011/1/2010 8:14:13 AM
fabulous-community4$25.00$25.0011/1/2010 10:48:10 AM
ALANGREANSPAN$25.00$25.0011/1/2010 7:38:43 AM
jhernand17$25.00$25.0011/1/2010 9:06:21 AM
kwan$25.00$25.0011/1/2010 9:24:23 AM
laidback59$28.62$28.6211/1/2010 8:57:38 AM
the-felicity-supergiant$50.00$50.0011/1/2010 9:56:55 AM
ultimate-peace$25.00$25.0011/1/2010 1:31:46 PM
Mr_Katana$25.00$25.0011/1/2010 1:37:57 PM
income-rocker2$50.00$50.0011/1/2010 11:07:53 AM
Moe87$25.00$25.0011/1/2010 11:43:53 AM
moola-monger9$50.00$50.0011/1/2010 2:09:10 PM
Lubava$25.00$25.0011/1/2010 2:15:54 PM
PrincessGrace33$200.00$200.0011/1/2010 2:48:12 PM
handshake5$100.00$100.0010/25/2010 3:27:26 PM
radiant-loan5$200.00$200.0010/25/2010 3:24:58 PM
UCLA4life$50.00$50.0010/25/2010 3:35:48 PM
bid-czar8$25.00$25.0010/25/2010 3:33:29 PM
inspiring-reward$100.00$100.0010/25/2010 3:43:45 PM
natural-greenback6$25.00$25.0010/26/2010 9:36:19 AM
suave-dime6$25.00$25.0010/26/2010 6:03:40 PM
NoCal$30.00$30.0010/26/2010 6:06:56 PM
money-bauble$50.00$50.0010/27/2010 4:19:52 PM
skuba$25.00$25.0010/27/2010 4:24:20 PM
musegaze$100.00$100.0010/27/2010 4:24:30 PM
CPADawg$35.00$35.0010/28/2010 1:22:47 PM
point-kitten6$50.00$50.0010/29/2010 6:33:51 AM
credible-balance0$25.00$25.0010/29/2010 9:42:30 AM
sagan$25.00$25.0010/29/2010 9:47:32 AM
orange-preeminant-bill$25.74$25.7410/29/2010 2:34:34 PM
saxaphone6$25.00$25.0010/29/2010 10:53:41 AM
the-credit-maker$50.00$50.0010/29/2010 2:58:20 PM
icecoldcash$30.00$30.0010/29/2010 2:58:33 PM
profitable-return5$25.00$25.0010/29/2010 2:35:34 PM
graceful-investment$100.00$100.0010/29/2010 2:32:37 PM
orangetrust$50.00$50.0010/29/2010 2:40:42 PM
CoffeyvilleKS$50.00$50.0010/29/2010 3:06:26 PM
new-social-economist$58.28$58.2810/29/2010 2:39:07 PM
MadHun$100.00$100.0010/29/2010 2:40:08 PM
Aleut$25.00$25.0010/29/2010 3:09:48 PM
MoonMama$25.00$25.0010/29/2010 3:10:04 PM
best-unbeatable-transaction$25.00$25.0010/29/2010 3:10:24 PM
generous-deal6$25.00$25.0010/29/2010 2:58:23 PM
MarinLoans$25.00$25.0010/29/2010 2:58:29 PM
UBOtto186$25.00$25.0010/29/2010 2:58:40 PM
108lender$50.00$50.0010/29/2010 2:58:07 PM
famous-bill$25.00$25.0010/29/2010 2:58:18 PM
Emt-James$57.81$57.8110/29/2010 2:58:34 PM
GInBaghdad$25.00$25.0010/29/2010 2:58:37 PM
balance-warrior$25.00$25.0010/29/2010 2:58:45 PM
contract-happiness1$25.00$25.0010/29/2010 3:09:19 PM
Cash_Angel$25.00$25.0010/29/2010 3:09:52 PM
Anny-Disco$25.00$25.0010/29/2010 3:09:55 PM
greenback-guard$25.00$25.0010/29/2010 3:09:23 PM
innovator2$25.00$25.0010/29/2010 3:53:00 PM
Kash2010lu$50.00$50.0010/29/2010 7:05:58 PM
skillful-asset5$25.00$25.0010/29/2010 6:34:12 PM
red-favorable-basis$25.00$25.0010/30/2010 6:58:47 AM
Moe87$25.00$25.0010/30/2010 9:14:20 AM
fillholdingsllc$25.00$25.0010/30/2010 12:28:01 PM
autumn_leaves$50.00$50.0010/31/2010 11:12:48 AM
blitzen40$35.00$35.0010/31/2010 7:00:34 PM
autumn_leaves$50.00$50.0010/31/2010 11:11:43 AM
SFBank$300.00$300.0010/31/2010 7:21:14 PM
yield-lion2$25.00$25.0011/1/2010 9:56:34 AM
YoungTaxMan$247.82$247.8211/1/2010 9:59:25 AM
supreme-hope$25.00$25.0011/1/2010 1:01:05 PM
371millwood$300.00$300.0011/1/2010 10:30:23 AM
EretzCapital$32.79$32.7911/1/2010 10:59:35 AM
dough-rocket$25.00$25.0011/1/2010 12:07:34 PM
mikeandcat$32.10$32.1011/1/2010 12:38:36 PM
ethicalhumanist$25.00$25.0011/1/2010 12:42:30 PM
FarmersBank$25.00$25.0011/1/2010 2:22:00 PM
worldly-gold$75.00$75.0011/1/2010 1:43:00 PM
grampy48$25.00$25.0011/1/2010 2:05:53 PM
Kqwik$110.38$110.3811/1/2010 2:12:02 PM
145 bids
 
Borrower Payment Dependent Notes Series 480795
This series of Notes was issued and sold upon the funding of the borrower loan #45109, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-20-2010 
  Auction end date:  Oct-27-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $157.04
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $157.04
 
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: Aug-1990 Debt/Income ratio: 30%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:18y 3m
Amount delinquent: $1,445 Total credit lines: 15 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $785Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: brawn4650 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2009)
 
Principal balance: $2,005.90 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Bill Consolidation
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: can you explain more about this loan. you wrote nothing in your description - restless-dime
A: Sorry for that. Paying off a high interest credit card. (Oct-22-2010)
Q: Please explain the current delinquency shown in your credit profile. Thanks and best wishes. - reflective-rupee
A: My vehicle was totaled in December of 2009, after insurance and gap insurance was paid to the financial institution there was a dispute that I owed two payments, the dispute is still on going, the original financial institution sold off the loans to another, which i am working with to resolve the issue. Unfortunately, it has been being reported on my credit since March. The total amount in dispute is $950.00. There are no payments being missed, just a dispute over open funds. (Oct-25-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bid-czar8$25.00$25.0010/20/2010 2:57:14 PM
loan-kung-fu$50.00$50.0010/20/2010 3:01:31 PM
noble-revenue$50.00$50.0010/20/2010 3:29:29 PM
radiant-loan5$100.00$100.0010/20/2010 3:47:54 PM
Comoparklender$25.00$25.0010/20/2010 4:02:01 PM
balance-handshake7$25.00$25.0010/21/2010 7:44:08 AM
natural-greenback6$25.00$25.0010/22/2010 9:06:53 AM
valiant-liberty4$25.00$25.0010/22/2010 11:13:24 AM
inspiring-reward$100.00$100.0010/22/2010 2:06:36 PM
helping-out$25.00$25.0010/22/2010 3:58:01 PM
NoCal$27.96$27.9610/22/2010 4:05:28 PM
zone6$30.49$30.4910/22/2010 8:23:27 PM
reflective-rupee$33.00$33.0010/25/2010 10:55:39 AM
TakeCare$50.00$50.0010/25/2010 4:23:32 PM
well-mannered-income3$30.00$30.0010/26/2010 1:40:26 PM
autonomous-truth$25.00$25.0010/26/2010 3:51:33 PM
kind-bill-supporter$25.00$25.0010/26/2010 3:54:38 PM
lucrative-deal5$25.00$25.0010/26/2010 4:39:12 PM
contract-happiness1$25.00$25.0010/26/2010 4:34:34 PM
red-favorable-basis$25.00$25.0010/26/2010 4:20:24 PM
agiovasil$25.00$25.0010/26/2010 4:52:43 PM
green-capital-hornet$25.00$25.0010/26/2010 4:53:35 PM
new-social-economist$80.00$80.0010/26/2010 4:53:58 PM
money-bauble$50.00$50.0010/26/2010 4:57:59 PM
momoney2lend$25.00$25.0010/26/2010 4:50:28 PM
red-power-pecan$50.00$50.0010/26/2010 4:54:04 PM
smear87$25.00$25.0010/26/2010 4:54:15 PM
Mark0135$50.00$50.0010/26/2010 4:55:22 PM
suave-dime6$50.00$21.5010/26/2010 4:58:36 PM
Bob450$25.00$25.0010/26/2010 6:29:20 PM
felicity-festival$30.00$30.0010/26/2010 6:16:09 PM
pyungpyung$29.02$29.0210/26/2010 7:00:47 PM
frogperson$25.00$25.0010/26/2010 10:15:17 PM
greenback-guard$25.00$25.0010/26/2010 11:16:08 PM
bondhedger$25.00$25.0010/26/2010 11:17:05 PM
Ven58$25.00$25.0010/27/2010 1:31:34 AM
gsd$29.70$29.7010/27/2010 6:10:58 AM
Cawse$25.00$25.0010/27/2010 9:56:25 AM
aquistoyraul$25.00$25.0010/27/2010 7:28:36 AM
seanickson$25.00$25.0010/27/2010 8:43:16 AM
dudebrah$25.00$25.0010/27/2010 10:55:51 AM
toomanyfishtanks$25.00$25.0010/27/2010 1:26:48 PM
Moe87$25.00$25.0010/27/2010 1:31:03 PM
handshake5$50.00$50.0010/20/2010 2:57:43 PM
ritchie70$25.00$25.0010/20/2010 3:00:35 PM
MAYBROOK$50.00$50.0010/20/2010 4:02:16 PM
brother_tam$50.00$50.0010/21/2010 2:51:12 PM
successful-agreement7$100.00$100.0010/22/2010 3:28:04 PM
skuba$25.00$25.0010/24/2010 5:56:06 AM
shmb6508$50.00$50.0010/24/2010 12:45:27 PM
NekHoldings$25.00$25.0010/25/2010 7:40:20 AM
teller$41.49$41.4910/25/2010 8:41:04 AM
musegaze$100.00$100.0010/25/2010 3:44:26 PM
graceful-investment$100.00$100.0010/25/2010 6:33:31 PM
capital-galaxy$200.00$200.0010/26/2010 8:42:03 AM
capital-galaxy$100.00$100.0010/26/2010 8:42:38 AM
innovator2$25.00$25.0010/26/2010 8:52:20 AM
shrewd-peace7$25.00$25.0010/26/2010 4:44:37 PM
unger$130.00$130.0010/26/2010 4:42:21 PM
HedgeFund$50.00$50.0010/26/2010 4:56:41 PM
psa1995$25.00$25.0010/26/2010 4:56:53 PM
lovely-benefit7$25.00$25.0010/26/2010 4:55:08 PM
fairhelper$25.00$25.0010/26/2010 4:54:49 PM
jigsaw$50.00$50.0010/26/2010 4:56:07 PM
SolarMoonshine$25.00$25.0010/26/2010 5:51:46 PM
thatguyoverseas$25.00$25.0010/26/2010 6:47:31 PM
zone6$50.00$50.0010/26/2010 8:51:10 PM
greenback-guard$25.00$25.0010/26/2010 11:10:18 PM
Leshan$75.00$75.0010/27/2010 8:07:30 AM
Starfin-Capital-Management$150.00$150.0010/27/2010 8:38:43 AM
lifelongreds$50.00$50.0010/27/2010 8:47:18 AM
Phatt-Daddy$25.00$25.0010/27/2010 6:28:49 AM
atomantic$50.00$50.0010/27/2010 10:37:56 AM
lucrative-coin$56.84$56.8410/27/2010 12:36:20 PM
marwadi-62$100.00$100.0010/27/2010 12:54:00 PM
loan-eagle9$25.00$25.0010/27/2010 10:03:09 AM
grampy48$50.00$50.0010/27/2010 1:34:54 PM
patriot384$60.00$60.0010/27/2010 1:29:07 PM
78 bids
 
Borrower Payment Dependent Notes Series 480797
This series of Notes was issued and sold upon the funding of the borrower loan #45123, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Oct-20-2010 
  Auction end date:  Oct-27-2010 
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $77.94
Final lender yield: 6.00% Final borrower rate/APR: 7.00% / 7.34% Final monthly payment: $77.19
 
Auction yield range: 2.71% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 4.70%  
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: Feb-1995 Debt/Income ratio: 6%
Credit score: 820-839 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,921Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: excellence4 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 820-839 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
840-859 (Sep-2009)
 
Principal balance: $934.05 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
New windows
Purpose of loan:
This loan will be used to replace the drafty old windows in my house before the tax credit expires.

My financial situation:
I am a good candidate for this loan because I have great credit and I always pay on 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)
exchange-squirrel$25.00$25.0010/20/2010 2:54:43 PM
Approved$50.00$50.0010/20/2010 2:52:50 PM
blot44$25.00$25.0010/20/2010 2:55:49 PM
exchange-squirrel$25.00$25.0010/21/2010 12:36:18 AM
Brisket_Bob$40.00$40.0010/21/2010 5:41:17 AM
TomDalonajay$25.00$25.0010/21/2010 10:00:07 AM
HappyToLoan$30.00$30.0010/22/2010 9:41:01 AM
outofoffice$50.00$50.0010/22/2010 9:28:57 AM
interstellar$50.00$50.0010/22/2010 10:26:41 AM
impartial-deal$50.00$50.0010/22/2010 2:12:05 PM
Rick21$50.00$50.0010/24/2010 9:51:55 PM
gavinsp$25.00$25.0010/25/2010 10:25:15 AM
investment-artist$25.00$25.0010/25/2010 1:02:47 PM
JerryB96$25.00$25.0010/25/2010 8:29:42 PM
LawyerLoan$30.00$30.0010/26/2010 3:48:16 PM
billquality$350.57$350.5710/26/2010 4:39:58 PM
5kids5$29.99$29.9910/26/2010 4:16:26 PM
word140$25.00$25.0010/26/2010 5:07:43 PM
exchange-paladin$25.00$25.0010/26/2010 5:28:46 PM
help4u$150.00$150.0010/26/2010 6:10:36 PM
YummiBear$25.00$25.0010/26/2010 6:50:20 PM
RiskManiac$25.00$25.0010/27/2010 6:03:26 AM
Ratgirl$25.00$25.0010/27/2010 8:07:18 AM
restless-balance9$50.00$50.0010/27/2010 9:02:48 AM
jsnryn$25.00$25.0010/27/2010 8:34:59 AM
bluefinch$25.00$25.0010/27/2010 8:46:23 AM
DanV$25.00$25.0010/27/2010 9:03:38 AM
Dskillz$30.00$30.0010/27/2010 10:02:00 AM
Dollars4Rent$25.00$25.0010/27/2010 11:13:23 AM
debt-legend$25.00$25.0010/27/2010 11:37:21 AM
RandyL3$25.00$25.0010/20/2010 3:47:58 PM
conqueror359$50.00$50.0010/21/2010 7:21:31 AM
F_r_e_d_s__B_a_n_k$50.00$50.0010/21/2010 6:11:27 AM
payout-reaction740$25.00$25.0010/21/2010 11:36:53 AM
thankful-nickel2$25.00$25.0010/21/2010 12:22:31 PM
platinum-hunter7$75.00$0.2410/21/2010 5:18:23 PM
gotbyu$50.00$50.0010/22/2010 3:34:30 AM
CharliesHobbies$25.00$25.0010/22/2010 11:35:01 AM
cwegert$30.00$30.0010/22/2010 12:38:22 PM
marwadi-62$200.00$200.0010/24/2010 6:43:45 PM
credit-guard5$25.00$25.0010/25/2010 2:20:24 PM
qkinger$50.00$50.0010/25/2010 4:20:43 PM
USFoundation$25.00$25.0010/25/2010 7:17:02 PM
uvumf$25.00$25.0010/25/2010 9:00:06 PM
surferracerskaterboy$50.00$50.0010/26/2010 4:02:47 PM
sunny1985$25.00$25.0010/26/2010 4:42:41 PM
grasscutter$50.00$50.0010/26/2010 4:48:14 PM
jpblan11$25.00$25.0010/26/2010 5:12:13 PM
RecoveryLender$25.00$25.0010/26/2010 5:37:55 PM
G2Money$50.00$50.0010/26/2010 7:08:05 PM
Peacepower$25.00$25.0010/26/2010 6:10:39 PM
heerzaquestion$25.00$25.0010/27/2010 8:27:48 AM
Anacomical$30.00$30.0010/27/2010 8:09:54 AM
worth-excellence4$25.00$25.0010/27/2010 10:31:35 AM
FundMaker$27.35$27.3510/27/2010 11:59:45 AM
GarBear88$100.00$100.0010/27/2010 10:51:33 AM
MongoBongo$25.00$25.0010/27/2010 11:45:08 AM
paul1$26.85$26.8510/27/2010 12:38:44 PM
58 bids
 
Borrower Payment Dependent Notes Series 480899
This series of Notes was issued and sold upon the funding of the borrower loan #45106, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.70% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 20.65% Starting borrower rate/APR: 21.65% / 25.08% Starting monthly payment: $285.07
Final lender yield: 20.65% Final borrower rate/APR: 21.65% / 25.08% Final monthly payment: $285.07
 
Auction yield range: 7.71% - 20.65% Estimated loss impact: 8.18%  
Lender servicing fee: 1.00% Estimated return: 12.47%  
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: Dec-1998 Debt/Income ratio: 13%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,014Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: MicroVentures 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 780-799 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2010)
 
Principal balance: $13,165.38 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Home/business owner pays cards off
Purpose of loan:
I currently have a little over 8,000 in credit card loans that I am paying off incrementally.? I'd like to consolidate those and have one monthly bill.? As well, I'd like to pay people rather than large financial organizations.? The card bills were spent on supporting the first 6 months of my newly opened business, Dance Muse Studio (www.thedancemuse.com).? We have used it to fund our last two advertising campaigns through print and online media because we are building a client base from scratch.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan before.? Before my mortgage and my first Prosper loan 6 months ago, I did not have any debt (including credit card debt, which was all within the grace period and paid off before any interest occurred).? I own my own home, have one full time job in corporate finance in addition to owning the dance studio, and also have a part-time job tutoring SAT prep on the weekends.? I have and will work hard to pay you back.

Monthly net income: $?5000

Monthly expenses: $ 4200
??Housing: $ 1820 (inc. school taxes in?escrow)
??Insurance: $ 0 (pre-paid in full)
??Car expenses: $ 50 (gas only, insurance and?car pre-paid in full)
??Utilities: $?155 (120 gas/electric,?25 water,?10 trash)
??Phone, cable, internet: $ 75
??Food, entertainment: $ 150
??Clothing, household expenses $?150
??Credit cards and other loans: $?800 ($582 for Prosper, rest?towards credit cards)
??Other expenses: $ 1000 into studio for ongoing operating expenses (will likely reduce to $0 by December 2011*)
??????????????? *Note: Opened 4/10/10, went from -$12,000 loss ($0 revenue and $12k expenses) monthly to -$1,000 loss in 6 months ($8k revenue and $9k expenses).? Optimistic projection shows breakeven by end of year, pessimistic by end of next year.
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 the interest rates of those credit cards? - beakerfish
A: One is for 21.99% and the other is 24.99%. (Oct-22-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lendstats_com$25.00$25.0010/21/2010 9:55:57 AM
lendingfrog$25.00$25.0010/21/2010 10:02:27 AM
enthusiastic-balance5$100.00$100.0010/21/2010 9:58:55 AM
top-courteous-peso$50.00$50.0010/21/2010 9:59:32 AM
GElender$50.00$50.0010/21/2010 10:04:49 AM
teller$50.00$50.0010/21/2010 10:05:56 AM
the-money-position$50.00$50.0010/21/2010 10:06:47 AM
reward-tsunami7$50.00$50.0010/21/2010 10:07:44 AM
natural-affluence4$25.00$25.0010/21/2010 10:10:21 AM
platinum-hunter7$25.00$25.0010/21/2010 5:08:24 PM
Belair_Advisors$25.00$25.0010/22/2010 4:58:19 AM
Artist_Blue$25.00$25.0010/22/2010 6:06:10 AM
aprivatelender$100.00$100.0010/22/2010 6:59:02 AM
spy0$25.00$25.0010/22/2010 8:55:42 AM
reflective-rupee$33.00$33.0010/22/2010 9:14:57 AM
graceful-investment$55.94$55.9410/22/2010 10:24:30 AM
valiant-liberty4$25.00$25.0010/22/2010 11:13:51 AM
yield-lion2$75.00$75.0010/22/2010 12:00:08 PM
AK49-JW$25.00$25.0010/22/2010 11:47:17 AM
janus_god$25.00$25.0010/22/2010 12:27:56 PM
rescue$100.00$100.0010/22/2010 4:26:33 PM
FadSaolAgat$50.00$50.0010/22/2010 4:29:02 PM
bountiful-durability$100.00$100.0010/23/2010 6:42:38 AM
deal-vibrato$50.00$50.0010/23/2010 12:15:30 PM
integrity-doctor$100.00$100.0010/23/2010 2:59:13 PM
nickel-hickory$25.00$25.0010/24/2010 8:04:26 AM
poolshark72$25.00$25.0010/23/2010 10:31:54 PM
TrustPlus$50.00$50.0010/24/2010 3:21:40 PM
larrybird$35.07$35.0710/24/2010 10:19:16 PM
Panna$25.00$25.0010/24/2010 10:34:12 PM
unassassinable$25.00$25.0010/25/2010 9:06:56 AM
point-kitten6$50.00$50.0010/25/2010 9:58:19 AM
GCInvestments$25.00$25.0010/25/2010 10:16:55 AM
chlebie$50.00$50.0010/25/2010 10:43:52 AM
jcjawors$25.00$25.0010/25/2010 10:51:03 AM
aprivatelender$107.27$107.2710/25/2010 1:41:59 PM
bold-attentive-listing$25.00$25.0010/25/2010 1:42:32 PM
ti22ring$25.00$25.0010/25/2010 1:57:11 PM
patriot384$129.00$129.0010/25/2010 3:02:14 PM
intuitive-bill$25.00$25.0010/25/2010 5:14:41 PM
radforj22$25.00$25.0010/25/2010 6:28:50 PM
museic1$25.00$25.0010/26/2010 7:53:49 AM
psa1995$34.00$34.0010/26/2010 5:00:51 AM
patriot897$25.00$25.0010/26/2010 9:16:52 AM
dajen1$40.00$40.0010/26/2010 10:42:34 AM
well-mannered-income3$30.00$30.0010/26/2010 1:44:09 PM
Tradesmanlender$35.00$35.0010/26/2010 10:26:46 AM
zeelender$25.00$25.0010/26/2010 3:01:46 PM
loss-of-control$50.00$50.0010/26/2010 4:05:54 PM
the-debt-fluffy-bunny$25.00$25.0010/26/2010 4:41:49 PM
mercuriant$25.00$25.0010/26/2010 4:46:22 PM
SelectTrustLending$25.00$25.0010/26/2010 5:04:48 PM
mla$25.00$25.0010/26/2010 5:09:19 PM
The_Secret$50.00$50.0010/26/2010 5:11:42 PM
nakane66$50.00$50.0010/26/2010 6:16:27 PM
thrifty-capital$25.00$25.0010/26/2010 7:51:13 PM
Pacific-Bank$50.00$50.0010/26/2010 9:26:45 PM
GrayStudio$25.00$25.0010/26/2010 7:22:49 PM
brondero$70.00$70.0010/26/2010 7:32:24 PM
lovely-benefit7$25.00$25.0010/26/2010 10:01:23 PM
justice-dna$25.00$25.0010/26/2010 10:01:29 PM
outofoffice$40.97$40.9710/27/2010 8:33:04 AM
trapper569$50.00$50.0010/27/2010 5:05:45 AM
generous-agreement$25.00$25.0010/27/2010 6:22:05 AM
versatilenyguy$75.00$75.0010/27/2010 10:50:37 AM
cashhelp$25.00$25.0010/27/2010 10:26:03 AM
brainy-dedication$25.00$25.0010/27/2010 2:08:34 PM
nilonc1$100.00$100.0010/27/2010 1:50:27 PM
Top_Gun_Lender$26.00$26.0010/27/2010 1:55:33 PM
openness-wind8$32.95$32.9510/27/2010 3:08:08 PM
Lil_One$25.00$25.0010/27/2010 2:49:13 PM
phaded$25.00$25.0010/27/2010 3:27:44 PM
a-resplendent-commitment$50.00$50.0010/27/2010 4:24:31 PM
gilbrear$25.00$25.0010/27/2010 4:47:17 PM
Whitewater_Loans$25.00$25.0010/27/2010 7:40:19 PM
careful-compassion$25.00$25.0010/27/2010 5:22:16 PM
tender-contract8$25.00$25.0010/27/2010 7:54:57 PM
loss-of-control$50.00$50.0010/27/2010 6:10:45 PM
DasMula$25.00$25.0010/27/2010 5:16:53 PM
loyalty-czar$25.00$25.0010/27/2010 7:24:54 PM
Ven58$25.00$25.0010/28/2010 1:59:13 AM
loyalty-czar$25.00$25.0010/27/2010 7:24:23 PM
Mighty_Hunter$50.00$50.0010/27/2010 11:17:41 PM
ttnk62918$25.00$25.0010/28/2010 2:17:11 AM
CashBank$25.00$25.0010/28/2010 8:33:34 AM
corporatejim$31.09$31.0910/28/2010 9:40:03 AM
gjm6d$25.00$25.0010/28/2010 5:35:01 AM
earth70s$25.00$25.0010/28/2010 9:17:03 AM
Weaverville$50.00$50.0010/21/2010 10:02:23 AM
dynrep$25.00$25.0010/21/2010 10:02:43 AM
tntmojave$25.00$25.0010/21/2010 10:00:27 AM
rate-mogul$50.00$50.0010/21/2010 10:01:49 AM
bold-durability-drum$50.00$50.0010/21/2010 10:07:53 AM
ogmanny$50.00$50.0010/21/2010 10:05:48 AM
B-rad_the_Coug$25.00$25.0010/21/2010 10:06:36 AM
jazzlender$50.00$50.0010/21/2010 10:08:21 AM
VAGweilo$50.00$50.0010/21/2010 10:19:58 AM
Lending1239$25.00$25.0010/21/2010 10:20:19 AM
selector568$100.00$100.0010/21/2010 10:19:19 AM
williemc44$50.00$50.0010/21/2010 10:40:13 AM
best-ingenious-funds$25.00$25.0010/21/2010 7:04:39 PM
BxRealtor$25.00$25.0010/21/2010 7:30:05 PM
studious-bonus7$100.00$100.0010/22/2010 8:17:29 AM
nprfan5$25.00$25.0010/22/2010 10:27:59 AM
fabulous-community4$50.00$50.0010/22/2010 12:00:14 PM
ptjg$25.00$25.0010/22/2010 11:46:38 AM
alpinaut$25.00$25.0010/22/2010 11:47:15 AM
cello1$25.00$25.0010/22/2010 12:25:47 PM
lucrative-loan$26.35$26.3510/22/2010 12:52:28 PM
Banker7371$25.00$25.0010/22/2010 12:43:13 PM
rapid-credit428$25.00$25.0010/22/2010 1:18:40 PM
nickel-universe2$25.00$25.0010/22/2010 6:14:42 PM
thrifty-peso$25.00$25.0010/22/2010 8:02:12 PM
Bob450$30.00$30.0010/22/2010 9:46:54 PM
the-profit-oracle$25.00$25.0010/23/2010 3:43:14 AM
skuba$25.00$25.0010/23/2010 5:03:24 AM
inismor$50.00$50.0010/23/2010 10:30:53 AM
timepassport$25.00$25.0010/23/2010 12:21:36 PM
ghinga$25.00$25.0010/24/2010 6:15:01 AM
tenacious-compassion9$25.00$25.0010/24/2010 11:16:38 AM
ore-dojo$25.00$25.0010/24/2010 5:11:04 PM
OrcaFIN$25.00$25.0010/24/2010 8:34:05 PM
handshake5$100.00$100.0010/24/2010 10:48:18 PM
important-ore$67.83$67.8310/25/2010 3:24:33 AM
exchange-battalion$30.00$30.0010/24/2010 11:19:25 PM
KileNSmyth4$32.00$32.0010/25/2010 7:06:01 AM
a-finance-nirvana$25.00$25.0010/25/2010 9:14:11 AM
gracej$25.00$25.0010/25/2010 11:49:44 AM
Mark0135$50.00$50.0010/25/2010 12:54:55 PM
beakerfish$50.00$50.0010/25/2010 5:48:29 PM
silvercertificate$25.00$25.0010/25/2010 6:46:54 PM
Fiimg$50.00$50.0010/26/2010 4:57:50 AM
bonus-maximizer919$50.00$50.0010/26/2010 9:43:59 AM
life-is-great$50.00$50.0010/26/2010 4:34:29 PM
red-favorable-basis$25.00$25.0010/26/2010 4:22:16 PM
cybernosha$25.00$25.0010/26/2010 4:40:42 PM
silver-armada$50.00$50.0010/26/2010 5:04:27 PM
suave-dime6$25.00$25.0010/26/2010 4:57:10 PM
fund-jedi3$50.00$50.0010/26/2010 5:51:35 PM
brother_tam$50.00$50.0010/26/2010 5:56:28 PM
bambampk$25.00$25.0010/26/2010 6:05:53 PM
shmb6508$50.00$50.0010/26/2010 6:38:29 PM
dinero-launcher$25.00$25.0010/26/2010 7:13:15 PM
silver-dogwood4$25.00$25.0010/26/2010 9:29:54 PM
EvalCrux$50.00$2.6310/26/2010 10:02:04 PM
thatguyoverseas$50.00$50.0010/26/2010 9:30:40 PM
jdwillcox$100.00$100.0010/26/2010 9:11:15 PM
Wilcat77$50.00$50.0010/26/2010 10:01:20 PM
greenback-guard$25.00$25.0010/26/2010 11:10:29 PM
greenback-guard$25.00$25.0010/26/2010 11:16:13 PM
JCM_MN$34.00$34.0010/27/2010 4:50:38 AM
Leshan$150.00$150.0010/27/2010 8:16:58 AM
InDyingLight$25.00$25.0010/27/2010 5:02:02 AM
new-truth-chuckler$34.00$34.0010/27/2010 8:17:17 AM
flexible-funds3$75.00$75.0010/27/2010 9:37:59 AM
skaught$50.00$50.0010/27/2010 10:21:28 AM
evian415$25.00$25.0010/27/2010 9:51:49 AM
run_dmc$100.00$100.0010/27/2010 11:39:06 AM
silvercertificate$25.00$25.0010/27/2010 10:11:26 AM
kayakbleu$25.00$25.0010/27/2010 12:54:58 PM
thankful-nickel2$25.00$25.0010/27/2010 1:04:32 PM
agiovasil$25.00$25.0010/27/2010 1:33:46 PM
Cawse$25.00$25.0010/27/2010 3:00:56 PM
Helping-One-Another$31.18$31.1810/27/2010 2:13:34 PM
ColoradoLender82$25.00$25.0010/27/2010 2:26:48 PM
first-serene-credit$100.00$100.0010/27/2010 1:39:49 PM
funds-kingdom$29.02$29.0210/27/2010 3:48:26 PM
wwwUniversal$25.00$25.0010/27/2010 3:55:18 PM
EngineersAlliance$50.00$50.0010/27/2010 4:52:03 PM
jwjazzco$25.00$25.0010/27/2010 7:26:30 PM
hope-wonder4$25.00$25.0010/27/2010 5:46:35 PM
SFBank$300.00$300.0010/27/2010 8:11:41 PM
turbostar666$25.00$25.0010/28/2010 1:48:29 AM
McRowdy$25.00$25.0010/28/2010 4:20:37 AM
Spinnaker$50.00$50.0010/27/2010 9:29:20 PM
hebergee$25.00$25.0010/28/2010 7:07:46 AM
Mindful7$25.00$25.0010/28/2010 4:30:44 AM
thrilling-nickel5$32.70$32.7010/28/2010 4:45:30 AM
amlu1988$25.00$25.0010/28/2010 8:01:17 AM
Sol_Invictus$25.00$25.0010/28/2010 5:46:43 AM
integrity-broker$25.00$25.0010/28/2010 6:15:40 AM
Sealion$50.00$50.0010/28/2010 9:41:01 AM
GarciaCompany$25.00$25.0010/28/2010 9:05:24 AM
183 bids
 
Borrower Payment Dependent Notes Series 480901
This series of Notes was issued and sold upon the funding of the borrower loan #45121, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $310.23
Final lender yield: 23.95% Final borrower rate/APR: 24.95% / 28.45% Final monthly payment: $298.00
 
Auction yield range: 16.71% - 27.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -14.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1992 Debt/Income ratio: 39%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:13y 6m
Amount delinquent: $0 Total credit lines: 46 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,308Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: lendho Borrower's state: Idaho Borrower's group: VETTED BORROWERS
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: 44 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,300.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2009)
620-639 (Aug-2009)
620-639 (Jul-2009)
600-619 (May-2009)
 
Principal balance: $3,617.58 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Continue to Consolidate 3rd Loan
Purpose of this loan: Continue to debt swap to lower interest rate and escalate payoff. This loan will replace my high interest personal loan. While my payments may go up or stay the same, I will be paying this loan off in 3 years as opposed to five plus the way the current loan is structured.

Employment and Income: I have worked for a large division of State Government for over thirteen years. Privately, I do small business bookkeeping and work for a tax company as a reviewer seasonally, and periodically throughout the year. I am also working as a teacher for tax preparer classes this year.

My Financial Situation:? Continued improvement, I have an employer matched retirement plan and another pre-tax fund I contribute to monthly.? During the time I had breast cancer, 4-1/2 years ago, I was dependent on my credit lines to get me through.? After my first Prosper loan, I had additional follow up reconstruction surgery and once again used credit to get me through.? Now I am healthy, back to work full-time, and diligently working to wipe out my debt.? A detailed debt disclosure is posted on my member page.

Income:? $3610 net
Fixed Expense:? $2476
Debt Services: $835 (detailed listing on my member page)
Monthly cash available: $234I have been making huge steps in the right direction with my first and second loans with Prosper as you will note from my improving credit score.
This loan will add to my improving financial picture. Thank you for considering me. Please ask questions.
Information in the Description is not verified.
Friends And Family Winning Bids
gpuck has bid a total of $350.00 in winning bids.
"Lendho is a Cancer Survivor and proving to be a Financial Survivor! I missed out on the first Loan, Invested in Lendho on her 2nd Loan, and investing in Lendho again on her 3rd Loan."
BAEVentures has bid a total of $171.92 in winning bids.
"LendHo is a highly responsible individual looking to recover from some tough life circumstances. I trust her with all my available cash on Prosper currently and believe you should as well. I have verified her credit report, all debts are accounted for. She is also a two time previous borrower and previous borrower of VETTED BORROWERS. Let's get her a low rate lenders so she can continue to excel in paying down her debts."
INVESTAR-Lender has bid a total of $200.00 in winning bids.
"INVESTAR Lenders recommend this loan. Borrower has unblemished track record, has worked hard, has reduced her revolving debt nearly 20% in a dozen months. Investar has reviewed current credit report and confirms budget disclosure is accurate."
3 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
Q: Clarification, LendHo's Revolving Credit Balance has increased slightly. She has actually made progress paying off credit cards. She cosigned on her daughters credit card which was recently used for study abroad expenses, paid for by her daughter. - BAEVentures
A: Thank you for the clarification for the lenders. As an additional note, there is student loan funding coming through for my daughter in January that she will transfer this debt to for deferment until after she graduates. That will clear at least $2,600 from my credit at that point. Thank you all for your support. (Oct-21-2010)
Q: Clarification, LendHo's DTI increased due to a Prosper change, not more accrued debt. During the summer of 2010 Prosper changed their DTI calculation to include mortgage payments, which it had not in the past. - BAEVentures
A: Thanks, and some additional information, my first Prosper loan has been paid in full, I've paid off my Maurices and Dell charge cards completely and I am also making a big dent in the rest of my debt thanks to all of you! (Oct-21-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
BAEVentures$145.68$145.6810/21/2010 9:58:57 AM
alexgalt$100.00$100.0010/21/2010 10:20:27 AM
goffmt$70.17$70.1710/21/2010 5:07:05 PM
roxon$25.00$25.0010/21/2010 6:49:58 PM
UncleScroogeDMD$50.00$50.0010/21/2010 7:07:44 PM
Eaglehigh$25.00$25.0010/22/2010 7:46:40 AM
loanman2007$200.00$200.0010/22/2010 7:47:41 AM
halothane_logic$200.00$200.0010/22/2010 1:27:28 PM
the-determined-value$100.00$100.0010/22/2010 1:09:25 PM
penny-plato$25.00$25.0010/22/2010 1:45:57 PM
halothane_logic$75.00$75.0010/22/2010 1:28:41 PM
hellasow$25.00$25.0010/22/2010 2:36:00 PM
debbymcc$75.00$75.0010/22/2010 6:00:48 PM
gpuck$150.00$150.0010/22/2010 7:37:36 PM
chameleon125$100.00$100.0010/23/2010 7:32:28 AM
burnfromwithin$25.00$25.0010/23/2010 6:05:10 PM
KirosPOS$122.92$122.9210/24/2010 8:47:19 PM
WonByOne$50.00$50.0010/25/2010 6:08:26 PM
proton346$25.00$25.0010/26/2010 12:14:53 AM
FinanceEngine$25.00$25.0010/26/2010 9:42:50 AM
realtormoises$25.00$25.0010/26/2010 9:55:39 AM
Jinja$100.00$100.0010/26/2010 8:32:47 AM
loanasauras$25.00$25.0010/26/2010 5:47:09 PM
LendingMind$50.00$50.0010/26/2010 7:30:03 PM
JeramyU$31.86$31.8610/26/2010 7:57:48 PM
Moe87$25.00$25.0010/27/2010 4:21:11 AM
ore-jedi$25.00$6.5810/27/2010 9:02:41 AM
loanermn$49.23$49.2310/27/2010 8:13:17 AM
Bob450$35.00$35.0010/27/2010 8:35:03 AM
neorunner$25.00$25.0010/27/2010 9:11:51 AM
JGuide$100.08$100.0810/27/2010 9:52:27 AM
atomantic$50.00$50.0010/27/2010 10:40:53 AM
ORcowboy$300.00$300.0010/27/2010 10:03:51 AM
Whitewater_Loans$50.00$50.0010/27/2010 11:58:05 AM
r1w$25.00$25.0010/27/2010 3:14:38 PM
starry2001$25.00$25.0010/27/2010 5:24:55 PM
DasMula$25.00$25.0010/27/2010 5:19:26 PM
fizicks06$50.00$50.0010/27/2010 8:08:47 PM
tacologic$200.00$200.0010/28/2010 9:18:14 AM
Catz_aplenty$45.00$45.0010/28/2010 9:50:39 AM
bobnewt$100.00$100.0010/28/2010 9:50:52 AM
Jinja$27.39$27.3910/21/2010 10:18:51 AM
bull_lender$30.00$30.0010/21/2010 11:47:33 AM
taetrade$25.00$25.0010/21/2010 3:42:41 PM
INVESTAR-Lender$100.00$100.0010/21/2010 5:30:29 PM
well-rounded-dinero$209.28$209.2810/21/2010 5:28:10 PM
gpuck$200.00$200.0010/21/2010 6:19:22 PM
lucrative-coin$60.04$60.0410/21/2010 6:22:39 PM
GAHeel$380.21$380.2110/21/2010 7:40:08 PM
first-genuine-bid$42.34$42.3410/21/2010 9:50:19 PM
loanman2007$200.00$200.0010/22/2010 7:46:45 AM
matthewa$25.00$25.0010/22/2010 7:37:15 AM
Eaglehigh$25.00$25.0010/22/2010 7:44:33 AM
Eaglehigh$25.00$25.0010/22/2010 7:45:34 AM
jpaulnyc$50.00$50.0010/22/2010 9:20:31 AM
wlm3012$25.00$25.0010/22/2010 10:07:06 AM
enthusiastic-balance5$200.00$200.0010/22/2010 10:22:12 AM
JeramyU$75.00$75.0010/22/2010 10:37:12 AM
JGuide$50.08$50.0810/22/2010 12:23:43 PM
thankful-nickel2$25.00$25.0010/22/2010 1:36:25 PM
sweety075$25.00$25.0010/22/2010 1:22:36 PM
INVESTAR-Lender$100.00$100.0010/22/2010 2:01:24 PM
hellasow$25.00$25.0010/22/2010 2:35:34 PM
hellasow$25.00$25.0010/22/2010 2:36:38 PM
hellasow$25.00$25.0010/22/2010 2:37:32 PM
hellasow$25.00$25.0010/22/2010 2:38:17 PM
EEasyMoney$25.00$25.0010/23/2010 7:23:17 AM
halothane_logic$54.80$54.8010/23/2010 5:05:01 AM
EEasyMoney$25.00$25.0010/23/2010 7:23:51 AM
Octamer$57.05$57.0510/23/2010 9:58:13 AM
lenderrn$50.00$50.0010/23/2010 10:01:05 AM
goffmt$32.02$32.0210/23/2010 3:03:24 PM
vtr1000$28.00$28.0010/24/2010 11:08:09 AM
investment-artist$25.00$25.0010/25/2010 1:06:48 PM
Top_Gun_Lender$26.00$26.0010/25/2010 7:22:48 PM
JGuide$100.08$100.0810/25/2010 8:13:16 PM
proton346$25.00$25.0010/26/2010 12:40:03 AM
supreme-hope$25.00$25.0010/26/2010 6:35:49 AM
JGuide$100.08$100.0810/26/2010 1:31:17 PM
brightest-dignified-penny$25.00$25.0010/26/2010 4:02:49 PM
Tizzo27$25.13$25.1310/26/2010 6:58:17 PM
PrepWonder$75.00$75.0010/26/2010 8:06:37 PM
Starfin-Capital-Management$201.16$201.1610/27/2010 8:42:08 AM
lasalsa03$42.12$42.1210/27/2010 4:54:17 AM
lobstahlender$25.00$25.0010/27/2010 7:32:24 AM
well-rounded-dinero$175.00$175.0010/27/2010 8:07:44 AM
BAEVentures$26.24$26.2410/27/2010 6:28:57 AM
Leshan$150.00$150.0010/27/2010 8:19:49 AM
lively-exchange$50.00$50.0010/27/2010 10:44:46 AM
gothampark$25.00$25.0010/27/2010 3:27:25 PM
Huck007$666.38$666.3810/27/2010 6:12:19 PM
Chillito$75.00$75.0010/28/2010 2:03:35 AM
Feyenoord$25.00$25.0010/27/2010 8:50:07 PM
exciting-fairness$200.00$200.0010/28/2010 9:03:10 AM
corporatejim$31.09$31.0910/28/2010 9:33:46 AM
LittleMingo$30.00$30.0010/28/2010 9:37:11 AM
fairness-atmosphere$35.00$35.0010/28/2010 9:40:49 AM
thefisherman$38.99$38.9910/28/2010 9:49:25 AM
a_falk22$25.00$25.0010/28/2010 9:28:45 AM
RecoveryLender$25.00$25.0010/28/2010 9:39:07 AM
100 bids
 
Borrower Payment Dependent Notes Series 480961
This series of Notes was issued and sold upon the funding of the borrower loan #45120, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $112.17
Final lender yield: 33.35% Final borrower rate/APR: 34.35% / 38.06% Final monthly payment: $112.17
 
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: 9%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $79Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: hope-sceptre 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
Continue to Build Business
Purpose of loan:
This loan will be used to continue to build business.

My financial situation:
I am a good candidate for this loan because I have steady income and very little revolving or bankcard debt.?

Monthly net income: $ 4200

Monthly expenses: $?3106
??Housing: $ 1250
??Insurance: $ 140
??Car expenses: $ 365?& $336
??Utilities: $ 250
??Phone, cable, internet: $ 130
??Food, entertainment: $ 100
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 35
??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)
loyalist1$50.00$50.0010/21/2010 1:43:42 PM
ritchie70$25.00$25.0010/21/2010 1:44:25 PM
bid-czar8$25.00$25.0010/21/2010 1:45:28 PM
handshake5$50.00$0.0310/21/2010 1:45:34 PM
pembull$50.00$50.0010/23/2010 8:11:27 AM
wampum-amplifier$49.30$49.3010/23/2010 7:48:18 PM
investment-forte$37.21$37.2110/24/2010 9:21:13 AM
bid-treaty$36.00$36.0010/25/2010 5:42:46 PM
AdamsWay$30.00$30.0010/25/2010 8:08:48 PM
thatguyoverseas$25.00$25.0010/25/2010 9:44:05 PM
FinDoc$30.00$30.0010/26/2010 2:30:55 PM
interstellar$50.00$50.0010/26/2010 4:42:24 PM
Evolver$50.00$50.0010/26/2010 5:10:49 PM
Rogesparkguy$25.00$25.0010/26/2010 6:00:09 PM
nodebt2012$25.00$25.0010/26/2010 7:24:42 PM
greenback-guard$25.00$25.0010/26/2010 11:10:36 PM
greenback-guard$25.00$25.0010/26/2010 11:16:16 PM
aztocas$50.00$50.0010/27/2010 8:12:08 AM
Leshan$103.20$103.2010/27/2010 8:24:39 AM
dudebrah$25.00$25.0010/27/2010 11:03:40 AM
flexible-funds3$50.00$50.0010/27/2010 11:39:55 AM
Cawse$25.00$25.0010/27/2010 12:06:41 PM
himistu22$25.00$25.0010/27/2010 3:36:33 PM
ralf206$31.12$31.1210/28/2010 12:05:42 AM
yons88$30.00$30.0010/27/2010 8:55:29 PM
rakey$25.00$25.0010/28/2010 2:31:00 AM
diversification-maple1$27.73$27.7310/28/2010 8:46:57 AM
compassionate-payment9$25.00$25.0010/28/2010 9:08:35 AM
CommunityArts_Non-profit$31.24$31.2410/28/2010 7:40:12 AM
prodigy525$25.00$25.0010/28/2010 10:03:28 AM
BankLV$25.00$25.0010/28/2010 12:04:01 PM
trade-elm$30.00$30.0010/28/2010 11:50:35 AM
blazing-dough$25.00$25.0010/28/2010 1:03:54 PM
unger$50.00$50.0010/28/2010 12:21:43 PM
grampy48$25.00$25.0010/28/2010 1:14:32 PM
social-heart$50.00$50.0010/28/2010 1:24:23 PM
YoungTaxMan$25.00$25.0010/28/2010 11:57:04 AM
transaction-circuit$50.00$50.0010/21/2010 1:45:22 PM
noble-revenue$50.00$50.0010/21/2010 3:01:50 PM
platinum-hunter7$25.00$25.0010/21/2010 5:05:05 PM
DDS84$100.00$100.0010/22/2010 6:20:56 AM
SolarMoonshine$25.00$25.0010/22/2010 4:57:39 PM
BradP$50.00$50.0010/22/2010 5:59:05 PM
daekpon$25.00$25.0010/23/2010 8:16:30 AM
larryboy10$25.00$25.0010/23/2010 11:22:20 AM
painterflipper$32.74$32.7410/23/2010 3:04:20 PM
marwadi-62$50.00$50.0010/24/2010 6:44:33 PM
pembull$25.00$25.0010/25/2010 8:12:20 PM
double22$100.00$100.0010/26/2010 2:41:04 PM
eloquent-bill6$25.00$25.0010/26/2010 1:53:58 PM
felicity-festival$30.00$30.0010/26/2010 6:16:05 PM
kingston1$25.00$25.0010/26/2010 9:12:39 PM
LendingMind$41.43$41.4310/26/2010 7:38:26 PM
surgeon3$35.00$35.0010/26/2010 9:07:09 PM
run_dmc$50.00$50.0010/27/2010 11:37:06 AM
r1w$25.00$25.0010/27/2010 3:25:50 PM
Easystreet$25.00$25.0010/27/2010 6:57:09 PM
bst$25.00$25.0010/27/2010 9:36:43 PM
Bob450$25.00$25.0010/27/2010 8:22:40 PM
friendinmoney$25.00$25.0010/28/2010 9:09:35 AM
RyanM561$25.00$25.0010/28/2010 6:03:31 AM
vigilance-searcher$25.00$25.0010/28/2010 8:16:05 AM
healingangel22$25.00$25.0010/28/2010 8:57:53 AM
IASKGOD$25.00$25.0010/28/2010 8:18:01 AM
Sagenius$25.00$25.0010/28/2010 9:47:14 AM
HeroJason86$25.00$25.0010/28/2010 11:31:44 AM
ethicalhumanist$25.00$25.0010/28/2010 12:50:44 PM
payout-bridge$75.00$75.0010/28/2010 1:31:44 PM
Red-Bull-One$25.00$25.0010/28/2010 1:33:49 PM
56bones$25.00$25.0010/28/2010 12:00:07 PM
aquistoyraul$25.00$25.0010/28/2010 12:10:15 PM
jhernand17$25.00$25.0010/28/2010 1:04:06 PM
72 bids
 
Borrower Payment Dependent Notes Series 481005
This series of Notes was issued and sold upon the funding of the borrower loan #45110, 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: 4.95% Auction start date:  Oct-21-2010 
  Auction end date:  Oct-28-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $169.43
Final lender yield: 12.35% Final borrower rate/APR: 13.35% / 15.50% Final monthly payment: $169.31
 
Auction yield range: 5.71% - 12.40% Estimated loss impact: 5.15%  
Lender servicing fee: 1.00% Estimated return: 7.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1992 Debt/Income ratio: 30%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,142Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: lpn03 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,650.00< 31 days late: 0 ( 0% )  
740-759 (Jun-2010)
720-739 (Jun-2008)
 
Principal balance: $3,047.47 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off credit cards. With the?new Card Act, some of my creditors have raised the interest rate. I would prefer to payoff credit cards I want use again.?

My financial situation:
I am a good candidate for this loan because?
I currently have a loan with Prosper, which I have paid on time consistently, and will be paid off in July 2011.
Monthly net income: $
$1800 - $2000
Monthly expenses: $
??Housing: $ 825.00
??Insurance: $ 80.00 -? includes auto, life & renters
?Car expenses: $?81.00 - repairs included in credit card monthly expense
?Utilities: $ 80.00 average
?Phone, cable, internet: $?188.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?181
??Other expenses: $ 21.00 AOL & newspaper
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 off your current prosper loan with this new loan? - KTOWN
A: no (Oct-21-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.0010/21/2010 1:42:51 PM
platinum-hunter7$60.00$60.0010/21/2010 5:03:16 PM
BxRealtor$25.00$25.0010/21/2010 7:30:06 PM
omahajay$25.00$25.0010/22/2010 11:42:00 AM
RandyL3$25.00$25.0010/22/2010 11:59:25 AM
heerzaquestion$50.00$50.0010/23/2010 10:05:24 AM
aganippe$50.00$50.0010/23/2010 11:00:42 AM
KTOWN$28.70$28.7010/23/2010 2:53:15 PM
valiant-liberty4$25.00$25.0010/24/2010 1:59:58 PM
poetic-diversification$250.00$250.0010/24/2010 6:29:36 PM
Debt-free-Southern-California$27.11$27.1110/25/2010 1:24:19 AM
outofoffice$50.00$50.0010/25/2010 8:21:56 AM
JABank$25.00$25.0010/26/2010 6:03:28 AM
newegg$51.00$51.0010/26/2010 2:00:32 PM
hidavehi$177.00$177.0010/26/2010 6:06:45 PM
JJ-Loans$50.00$50.0010/27/2010 7:05:22 AM
atomantic$50.00$50.0010/27/2010 10:43:00 AM
market-jam$100.00$100.0010/27/2010 4:00:55 PM
gilbrear$25.00$25.0010/27/2010 4:52:15 PM
Aberdeen$999.00$999.0010/27/2010 6:31:19 PM
RecoveryLender$25.00$25.0010/27/2010 6:44:42 PM
honey-money$30.00$30.0010/27/2010 8:46:55 PM
Feyenoord$25.00$25.0010/27/2010 8:46:38 PM
integrity-cowbell$25.00$25.0010/28/2010 7:27:29 AM
Sol_Invictus$25.00$25.0010/28/2010 5:48:45 AM
skaught$25.00$25.0010/28/2010 10:38:32 AM
productive-finance$30.00$30.0010/28/2010 9:42:20 AM
economy-caper9$25.00$25.0010/28/2010 10:41:30 AM
corporatejim$31.09$31.0910/28/2010 9:34:26 AM
Soulphoniks-Holdings$25.00$25.0010/28/2010 9:55:12 AM
BankLV$25.00$25.0010/28/2010 12:01:37 PM
toomanyfishtanks$25.00$25.0010/28/2010 12:37:00 PM
scordo326$25.00$25.0010/28/2010 1:26:27 PM
blLending$25.00$25.0010/28/2010 11:58:44 AM
p2ploan-sensation211$25.00$25.0010/28/2010 11:11:38 AM
PalmerTheEmbalmer$25.00$25.0010/28/2010 11:31:41 AM
grampy48$64.00$64.0010/28/2010 1:16:45 PM
DanV$25.00$25.0010/28/2010 1:36:14 PM
penny-plato$25.00$25.0010/21/2010 2:56:38 PM
sign_here$25.00$25.0010/21/2010 4:14:16 PM
seadrg$25.00$25.0010/21/2010 6:23:42 PM
AK49-JW$25.00$25.0010/22/2010 11:53:11 AM
jpblan11$25.00$25.0010/22/2010 4:17:24 PM
ptjg$28.90$28.9010/23/2010 3:17:57 AM
Aberdeen$400.00$400.0010/23/2010 2:58:57 PM
payout-reaction740$25.00$25.0010/25/2010 8:23:54 AM
serene-capital$35.00$35.0010/25/2010 9:01:05 AM
ujiba$50.00$50.0010/25/2010 10:42:25 AM
thankful-nickel2$25.00$25.0010/25/2010 1:50:44 PM
systemlender$50.00$50.0010/26/2010 7:12:27 AM
Bcs-cnc$25.00$25.0010/26/2010 5:55:52 AM
Jim33$25.00$25.0010/26/2010 8:24:41 AM
maj0508$100.00$100.0010/26/2010 7:23:35 PM
Pacific-Bank$50.00$29.1710/26/2010 9:06:06 PM
moneytolend72$25.00$25.0010/27/2010 7:34:02 AM
Manta_Rai$40.81$40.8110/27/2010 3:57:44 AM
fairness-coup8$25.00$25.0010/27/2010 10:42:49 AM
myduck$35.00$35.0010/27/2010 12:30:37 PM
silver-baby$25.00$25.0010/27/2010 10:58:53 AM
peso-fortress$25.00$25.0010/27/2010 1:30:51 PM
greenback-guard$25.00$25.0010/27/2010 1:12:06 PM
DackoDenk$25.00$25.0010/27/2010 4:21:36 PM
BankofBeth$25.00$25.0010/27/2010 4:42:41 PM
starry2001$25.00$25.0010/27/2010 5:26:32 PM
velocity-winner$25.00$25.0010/27/2010 8:04:54 PM
DoctorJoe$25.00$25.0010/27/2010 5:10:23 PM
gizmo65$44.27$44.2710/27/2010 7:56:21 PM
jayk63$25.00$25.0010/28/2010 3:25:16 AM
JerryB96$25.00$25.0010/27/2010 9:53:24 PM
Lender0307$25.00$25.0010/27/2010 10:15:56 PM
Brown98$25.00$25.0010/27/2010 10:20:28 PM
mpatrick$25.00$25.0010/27/2010 8:06:58 PM
gogrannygo$25.00$25.0010/28/2010 7:03:22 AM
wwwUniversal$43.95$43.9510/28/2010 2:30:05 AM
Photoman42$25.00$25.0010/27/2010 11:18:52 PM
Mindful7$25.00$25.0010/28/2010 4:32:48 AM
skeebuzz$50.00$50.0010/28/2010 8:27:26 AM
tomdooley12520$25.00$25.0010/28/2010 6:01:59 AM
BrighterSuns$25.00$25.0010/28/2010 7:47:01 AM
patriot384$480.00$480.0010/28/2010 10:41:32 AM
makosdJR02$25.00$25.0010/28/2010 10:28:19 AM
UBOtto186$50.00$50.0010/28/2010 11:49:10 AM
phaded$25.00$25.0010/28/2010 10:32:57 AM
AndyT1999$25.00$25.0010/28/2010 11:19:18 AM
durability-high-five$25.00$25.0010/28/2010 11:48:02 AM
top-tranquil-justice$25.00$25.0010/28/2010 1:00:03 PM
dsv$25.00$25.0010/28/2010 1:00:27 PM
mustang9935$40.00$40.0010/28/2010 1:13:31 PM
gothampark$25.00$25.0010/28/2010 1:30:31 PM
89 bids
 
Borrower Payment Dependent Notes Series 481145
This series of Notes was issued and sold upon the funding of the borrower loan #45112, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Oct-25-2010 
  Auction end date:  Oct-27-2010 
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $140.29
Final lender yield: 6.65% Final borrower rate/APR: 7.65% / 7.99% Final monthly payment: $140.29
 
Auction yield range: 2.71% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1994 Debt/Income ratio: 15%
Credit score: 840-859 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,539Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: shannabeast Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 43 ( 100% ) 840-859 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2009)
720-739 (May-2008)
 
Principal balance: $659.87 31+ days late: 0 ( 0% )
Total payments billed: 43  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt

My financial situation:
I am a good candidate for this loan because i have a full time job
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)
buukyak$25.00$25.0010/25/2010 3:02:29 PM
selector568$500.00$500.0010/25/2010 2:56:41 PM
impartial-deal$50.00$50.0010/25/2010 3:16:57 PM
DukSerduk$25.00$25.0010/25/2010 3:06:24 PM
mjunlimited$50.00$50.0010/25/2010 3:22:41 PM
value-pouch$50.00$50.0010/25/2010 3:27:19 PM
NATIVEBORN$25.00$25.0010/25/2010 3:25:14 PM
kenji4861$25.00$25.0010/25/2010 3:26:28 PM
income-banjo$50.00$50.0010/25/2010 3:25:47 PM
ThomasC$25.00$25.0010/25/2010 3:25:54 PM
AmericanCredit$25.00$25.0010/25/2010 3:28:38 PM
pleasant-basis$50.00$50.0010/25/2010 3:30:07 PM
rescue$100.00$100.0010/25/2010 3:34:11 PM
Banker7371$25.00$25.0010/25/2010 3:30:36 PM
payout-reaction740$25.00$25.0010/25/2010 3:44:17 PM
degster$25.00$25.0010/25/2010 3:35:39 PM
RandyL3$25.00$25.0010/25/2010 3:41:55 PM
Aberdeen$400.00$400.0010/25/2010 3:46:37 PM
platinum-hunter7$100.00$100.0010/25/2010 4:28:19 PM
Sarspatula$25.00$25.0010/25/2010 5:03:07 PM
MoneyForNothing$74.29$74.2910/26/2010 8:40:47 AM
Simply2fly$25.00$25.0010/26/2010 5:48:11 PM
gotbyu$50.00$50.0010/27/2010 1:05:45 AM
heroic-payout9$25.00$25.0010/27/2010 10:44:31 AM
thankful-nickel2$25.00$25.0010/27/2010 1:06:43 PM
Aberdeen$999.00$999.0010/27/2010 6:31:41 PM
psa1995$50.00$50.0010/25/2010 3:06:56 PM
life-is-great$50.00$50.0010/25/2010 3:09:03 PM
organized-payment6$50.00$50.0010/25/2010 3:21:30 PM
tntmojave$25.00$25.0010/25/2010 3:22:56 PM
blot44$25.00$25.0010/25/2010 3:19:58 PM
FlexFunding$100.00$100.0010/25/2010 3:25:39 PM
indomitable-coin$50.00$50.0010/25/2010 3:29:46 PM
larrybird$150.00$150.0010/25/2010 3:23:19 PM
GElender$50.00$50.0010/25/2010 3:26:39 PM
eyal0$50.00$50.0010/25/2010 3:35:43 PM
LiveNow$25.00$25.0010/25/2010 3:35:58 PM
exact-gold2$25.00$25.0010/25/2010 3:26:19 PM
skuba$50.00$46.7110/25/2010 3:36:36 PM
delicious-social132$50.00$50.0010/25/2010 3:28:47 PM
srgriff$25.00$25.0010/25/2010 3:28:59 PM
rachelrachelrachel$25.00$25.0010/25/2010 3:27:08 PM
figs4u2$100.00$100.0010/25/2010 3:29:28 PM
here2lend$25.00$25.0010/25/2010 3:29:57 PM
fcukciti$25.00$25.0010/25/2010 3:28:51 PM
Aberdeen$400.00$400.0010/25/2010 3:41:51 PM
timepassport$25.00$25.0010/25/2010 5:11:04 PM
outofoffice$75.00$75.0010/26/2010 7:19:09 AM
bradny$25.00$25.0010/26/2010 1:57:10 PM
felicity-loyalist0$30.00$30.0010/26/2010 4:46:27 PM
investment-artist$25.00$25.0010/26/2010 4:13:56 PM
beachfunder$25.00$25.0010/26/2010 7:56:31 PM
credit-guard5$25.00$25.0010/26/2010 8:05:52 PM
heerzaquestion$25.00$25.0010/27/2010 8:31:09 AM
restless-balance9$50.00$50.0010/27/2010 8:53:48 AM
penny-plato$25.00$25.0010/27/2010 6:07:23 PM
56 bids