Sales Report:Supplement No. 96 dated Dec 15, 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 480503
This series of Notes was issued and sold upon the funding of the borrower loan #45887, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Nov-24-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 10.60% Starting borrower rate/APR: 11.60% / 17.10% Starting monthly payment: $33.02
Final lender yield: 10.57% Final borrower rate/APR: 11.57% / 17.07% Final monthly payment: $33.01
 
Auction yield range: 10.57% - 10.60% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-2003 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,121Stated income:$25,000-$49,999
Delinquencies in last 7y: 32 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: newest-famous-velocity 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
Improve Credit Score
Purpose of loan:
This loan will be used to improve my credit score through Prosper Lending.

My financial situation:
I am a good candidate for this loan because I have a stable job and I will repay this loan as soon as possible. I intend to make higher payments because I already saved money for this loan. I also have a monthly excess of $400. I am in a new season of my life and I have taken control of my debt. I have not missed a credit card payment in over 3 years now and my school debt repayment is current.

Monthly net income: $ 2,000 - excess of $400

Monthly expenses: $ 1,600
??Housing: $ 385
??Insurance: $ 145
??Car expenses: $ 150
??Utilities: $ 30
??Phone, cable, internet: $ 20
??Food, entertainment: $ 330
??Clothing, household expenses $ -
??Credit cards and other loans: $ 400
??Other expenses: $ 140
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)
squarebob$50.00$50.0011/26/2010 7:51:12 PM
economy-synapse$25.00$25.0011/26/2010 9:07:24 PM
HermanstadtKid$100.00$100.0011/30/2010 6:26:26 AM
HermanstadtKid$25.00$25.0011/30/2010 4:27:25 PM
HermanstadtKid$27.00$27.0011/30/2010 7:24:27 PM
HermanstadtKid$57.00$57.0012/1/2010 4:48:39 AM
HermanstadtKid$50.00$50.0012/1/2010 2:10:57 PM
REITRUST$25.00$25.0012/1/2010 11:48:05 AM
HermanstadtKid$50.00$50.0012/1/2010 2:11:34 PM
HermanstadtKid$50.00$50.0012/1/2010 2:11:52 PM
BankLV$25.00$25.0012/1/2010 2:12:14 PM
JGuide$26.14$26.1411/28/2010 10:43:20 AM
Cluvnupe06$25.00$25.0011/30/2010 6:45:12 AM
HermanstadtKid$26.00$26.0011/30/2010 7:22:51 PM
HermanstadtKid$25.00$25.0011/30/2010 4:25:56 PM
bullwink27$25.00$25.0012/1/2010 3:00:20 AM
HermanstadtKid$38.76$38.7612/1/2010 4:51:01 AM
HermanstadtKid$57.00$57.0012/1/2010 4:49:44 AM
HermanstadtKid$80.00$80.0012/1/2010 2:12:37 PM
HermanstadtKid$80.00$58.1012/1/2010 2:13:14 PM
HermanstadtKid$50.00$50.0012/1/2010 2:12:15 PM
HermanstadtKid$80.00$80.0012/1/2010 2:12:57 PM
friendinmoney$25.00$25.0012/1/2010 1:57:21 PM
23 bids
 
Borrower Payment Dependent Notes Series 485717
This series of Notes was issued and sold upon the funding of the borrower loan #45899, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $259.62
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1991 Debt/Income ratio: 20%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 47 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,624Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: p2ploan-caramel 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
Pay off higher rate credit cards!
Purpose of loan:
I have some credit cards whose interest rates have gone up due to the recent law changes.? Not because of late payments (as shown by the credit profile).? I'd like to get some of them paid off so that we start a snowball effect with lower interest rates and hopefully get the credit cards paid off in full in a few years.? We have been working on paying them off, but with the increase in the rates, it's not making as much of a dent as fast.

My financial situation:
My financial situation is stable.? I have been at my current job for under a year, but my two previous employments were for almost 5 years and almost 10 years prior to that.??

Monthly net income: $ 6,000

We are also still paying off my student loans from Pharmacy School.? The cars are paid off, but while I was in pharmacy school and part of the time while my husband was in school (he's due to graduate this December), we did use the credit cards to help with living expenses, hence the totals.

With regards to the total credit lines, a number of them are due to my student loans from Pharmacy School which were consolidated, but the original loans are still showing as separate lines on the credit report.

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)
proper-commitment5$25.00$25.0011/26/2010 12:51:46 PM
simplelender80$250.00$250.0011/26/2010 12:52:14 PM
ray1051$50.00$50.0011/26/2010 12:55:03 PM
ASR3$25.00$25.0011/26/2010 12:55:22 PM
indomitable-coin$50.00$50.0011/26/2010 12:54:54 PM
tech310$50.00$50.0011/26/2010 12:51:40 PM
platinum-celebration4$25.00$25.0011/26/2010 12:55:11 PM
enthralling-deal180$50.00$50.0011/26/2010 12:52:21 PM
AFairDeal$50.00$50.0011/26/2010 12:55:28 PM
blue-useful-auction$25.00$25.0011/26/2010 1:31:36 PM
squarebob$50.00$50.0011/26/2010 6:45:43 PM
squarebob$50.00$50.0011/26/2010 6:44:50 PM
squarebob$50.00$50.0011/26/2010 6:45:20 PM
reflective-rupee$300.00$300.0011/26/2010 7:37:23 PM
Micropterus$25.00$25.0011/27/2010 7:26:23 PM
reflective-rupee$100.00$100.0011/29/2010 10:31:21 AM
peso-fortress$25.00$25.0011/29/2010 7:37:59 AM
Sol_Invictus$25.00$25.0011/29/2010 12:12:07 PM
AuroraRobbin$25.00$25.0011/29/2010 12:28:50 PM
triumph329$40.00$40.0011/29/2010 12:37:12 PM
FundMaker$25.00$25.0011/29/2010 10:45:14 PM
STLRacer$25.00$25.0011/30/2010 5:47:02 AM
DonTraveler99$26.92$26.9211/30/2010 12:29:21 PM
rdrloan$50.00$50.0011/30/2010 3:12:18 PM
Techne_Funds_LLC$25.00$25.0011/30/2010 4:13:05 PM
sosleep$25.00$25.0012/1/2010 7:27:55 AM
fair_rates$25.00$25.0012/1/2010 2:23:38 AM
GALERXLoans$36.00$36.0012/1/2010 10:27:26 AM
moneytolend72$25.00$25.0012/1/2010 12:43:01 PM
engaging-worth$25.00$25.0012/1/2010 2:33:53 PM
wwwUniversal$25.00$25.0012/1/2010 3:22:49 PM
power-secret-agent$25.00$25.0012/1/2010 2:49:44 PM
ethicalhumanist$50.00$50.0012/1/2010 2:53:07 PM
integrity-broker$25.00$25.0012/1/2010 5:55:26 PM
bicyclist2270$50.00$50.0012/1/2010 6:28:33 PM
VitaminFunk$25.00$25.0012/1/2010 4:50:17 PM
hawk357$30.00$30.0012/1/2010 8:56:46 PM
gravity7$25.00$25.0012/1/2010 5:19:28 PM
Johnab$25.00$25.0012/1/2010 8:37:29 PM
KirosPOS$50.00$50.0012/1/2010 9:00:27 PM
elloboverde$25.00$25.0012/1/2010 11:29:09 PM
pilot1723$28.00$28.0012/2/2010 4:07:03 AM
outofoffice$50.00$50.0012/2/2010 7:09:41 AM
StrongMonty$25.00$25.0012/2/2010 5:08:17 AM
gilbrear$25.00$25.0012/2/2010 7:15:58 AM
redmen93$100.00$100.0012/1/2010 9:00:02 PM
fiserve4u$25.00$25.0012/2/2010 8:35:31 AM
jslo722$25.00$25.0012/2/2010 10:16:56 AM
jslo722$25.00$25.0012/2/2010 10:17:48 AM
loanermn$33.53$33.5312/2/2010 2:35:12 PM
c-gurista-5$25.00$25.0012/2/2010 6:37:32 AM
Shawnman19$28.99$28.9912/2/2010 2:56:45 PM
gmf$50.00$50.0012/2/2010 3:14:45 PM
honey-money$25.00$25.0012/2/2010 3:20:54 PM
economy-caper9$25.68$25.6812/2/2010 1:48:30 PM
one-midas$100.00$100.0012/2/2010 2:05:27 PM
davidmanheim$25.00$25.0012/2/2010 5:05:05 PM
Gobsek$25.00$25.0012/2/2010 7:12:29 PM
Bank_of_E-Ville$30.00$30.0012/2/2010 8:14:48 PM
availableloan$25.00$25.0012/2/2010 11:28:48 PM
Easystreet$25.00$25.0012/3/2010 4:34:01 AM
crw1950$50.00$50.0012/3/2010 4:56:49 AM
prohelper$26.38$26.3812/3/2010 2:07:03 AM
wkeboarder21$50.00$50.0012/3/2010 5:24:32 AM
leverage-monger$25.00$25.0012/3/2010 6:31:11 AM
competent-p2p$50.00$50.0012/3/2010 7:38:01 AM
heroic-payout9$30.01$30.0112/3/2010 6:08:42 AM
kermitdafrog$25.00$25.0012/3/2010 7:55:42 AM
newest-funds-powerplant$50.00$50.0012/2/2010 8:39:53 PM
B-rad_the_Coug$25.00$25.0012/3/2010 6:54:42 AM
wild_carrot$25.00$25.0012/3/2010 8:34:20 AM
CSinvestments$25.00$25.0012/3/2010 9:19:41 AM
Equity_Investor$55.00$55.0012/3/2010 9:10:19 AM
BuzzyBee336$35.00$35.0012/3/2010 9:37:04 AM
worth-victor6$25.00$25.0012/3/2010 5:07:21 AM
attractive-fund$50.00$50.0012/3/2010 10:22:40 AM
jcw3rd$25.00$25.0012/3/2010 5:45:49 AM
treasure-kazoo$50.00$50.0012/3/2010 10:29:06 AM
red-deal-genius$39.39$39.3912/3/2010 5:57:39 AM
Moneypenny6$25.00$25.0012/3/2010 6:17:01 AM
redtilapia$25.00$25.0012/3/2010 10:58:08 AM
ttnk62918$25.00$25.0012/3/2010 12:03:31 PM
businessguy29$25.00$25.0012/3/2010 11:22:50 AM
DasMula$25.00$25.0012/3/2010 11:50:40 AM
78$29.04$29.0412/3/2010 11:54:08 AM
bjr01$25.00$25.0012/3/2010 9:00:44 AM
principal-star$25.00$25.0012/3/2010 10:00:55 AM
flyflorida2001$25.00$25.0012/3/2010 11:11:04 AM
DasMula$100.00$100.0012/3/2010 11:51:13 AM
friendinmoney$25.00$25.0012/3/2010 12:29:10 PM
dunox$50.00$50.0011/26/2010 12:52:45 PM
kulender$100.00$100.0011/26/2010 12:53:10 PM
finance_mba$25.00$25.0011/26/2010 12:54:59 PM
Ripsaw4U$50.00$50.0011/26/2010 12:52:26 PM
nickel-ferret$50.00$50.0011/26/2010 12:51:01 PM
melodious-fairness$50.00$15.7111/26/2010 12:55:44 PM
hopeful-truth5$100.00$100.0011/26/2010 12:52:54 PM
money-bauble$25.00$25.0011/26/2010 12:53:47 PM
jazzlender$25.00$25.0011/26/2010 12:55:05 PM
skuba$25.00$25.0011/26/2010 12:55:35 PM
tolerant-dinero2$25.00$25.0011/26/2010 12:56:34 PM
penny-plato$50.00$50.0011/26/2010 2:44:46 PM
RandyL3$25.00$25.0011/26/2010 3:52:04 PM
greenback-guard$25.00$25.0011/26/2010 4:20:07 PM
squarebob$100.00$100.0011/26/2010 6:44:10 PM
green-unrivaled-felicity$50.00$50.0011/26/2010 6:25:34 PM
reflective-rupee$500.00$500.0011/26/2010 7:36:49 PM
qkinger$50.00$50.0011/27/2010 11:00:39 AM
happy-loyalty$25.00$25.0011/27/2010 5:10:27 AM
cclady$100.00$100.0011/27/2010 8:55:24 AM
Loan2Own$50.00$50.0011/27/2010 7:30:47 PM
charming-dough0$25.00$25.0011/28/2010 7:21:48 PM
velocity-onator$25.00$25.0011/29/2010 12:28:46 PM
SV-AZ$25.00$25.0011/29/2010 5:20:04 PM
maximizer$25.00$25.0011/30/2010 8:43:01 AM
mgking007$25.00$25.0011/30/2010 12:39:24 PM
melodious-fairness$50.00$50.0011/30/2010 10:40:47 AM
the-capital-shooter$100.00$100.0011/30/2010 3:27:33 PM
gdfp158$25.00$25.0011/30/2010 9:03:21 PM
Byrd24$100.00$100.0011/30/2010 4:21:09 PM
Ven58$25.00$25.0012/1/2010 1:19:44 AM
The-Lighthouse-Group$25.00$25.0012/1/2010 6:34:20 AM
Paxman84$25.00$25.0012/1/2010 7:42:04 AM
hebergee$25.00$25.0012/1/2010 7:49:55 AM
bondhedger$25.00$25.0012/1/2010 11:33:55 AM
fund-javelin1$25.00$25.0012/1/2010 10:00:29 AM
CashBank$25.00$25.0012/1/2010 10:09:56 AM
mpatrick$25.00$25.0012/1/2010 2:55:14 PM
pythia$25.00$25.0012/1/2010 11:47:21 AM
rockhound84$25.00$25.0012/1/2010 12:34:32 PM
bankojerry$25.00$25.0012/1/2010 3:32:32 PM
direct-asset$25.00$25.0012/1/2010 4:08:14 PM
justinology$25.83$25.8312/1/2010 5:31:56 PM
smbau06$50.00$50.0012/1/2010 7:35:19 PM
twerns$40.00$40.0012/1/2010 4:42:57 PM
engbusres$35.00$35.0012/1/2010 8:21:00 PM
woohoo$25.00$25.0012/1/2010 5:27:12 PM
cashtolendyou$25.00$25.0012/1/2010 11:47:34 PM
lazyeye$25.00$25.0012/2/2010 1:15:43 AM
Mindful7$25.00$25.0012/2/2010 4:36:33 AM
fireman4$25.00$25.0012/2/2010 7:24:50 AM
theboygenius$45.00$45.0012/2/2010 6:32:43 AM
True-Patriot$25.00$25.0012/1/2010 8:02:45 PM
pjandnikki$25.00$25.0012/2/2010 9:09:05 AM
LendingSingularity$100.00$100.0012/1/2010 11:15:34 PM
mobius_titan$25.00$25.0012/2/2010 1:36:31 AM
NeketanBank$25.00$25.0012/2/2010 11:38:04 AM
Astyanax$50.00$50.0012/2/2010 12:05:54 PM
dt_one$25.00$25.0012/2/2010 10:42:43 AM
Chewbaca$25.00$25.0012/2/2010 4:54:27 AM
grampy48$50.00$50.0012/2/2010 1:05:45 PM
DSK_Financials$50.00$50.0012/2/2010 2:45:38 PM
Richmp412$25.00$25.0012/2/2010 12:18:49 PM
kapahua$50.00$50.0012/2/2010 12:43:02 PM
coloradoadam$30.00$30.0012/2/2010 3:31:14 PM
mcs99$100.00$100.0012/2/2010 1:09:25 PM
paul1$39.52$39.5212/2/2010 5:42:13 PM
culldud6900$50.00$50.0012/2/2010 8:25:19 PM
bejfishing$25.00$25.0012/2/2010 5:38:54 PM
NorthwestLoan1$40.00$40.0012/2/2010 4:43:17 PM
reneenurse$50.00$50.0012/2/2010 4:44:31 PM
Ambassador$25.00$25.0012/3/2010 4:55:57 AM
gogrannygo$25.00$25.0012/3/2010 6:27:07 AM
blue-relay$25.00$25.0012/3/2010 6:30:51 AM
arkleseizure$25.00$25.0012/3/2010 3:59:45 AM
starry2001$25.00$25.0012/3/2010 4:03:34 AM
spiff666$25.00$25.0012/3/2010 6:50:00 AM
Charmart$25.00$25.0012/3/2010 4:43:41 AM
MrEville$25.00$25.0012/2/2010 5:34:55 PM
ChewyZ$25.00$25.0012/3/2010 6:35:36 AM
chokichi$50.00$50.0012/2/2010 9:07:35 PM
balance-force$30.00$30.0012/2/2010 9:57:30 PM
SlickNick$25.00$25.0012/3/2010 9:35:23 AM
Bujinkan1$25.00$25.0012/3/2010 10:13:51 AM
branaa99$25.00$25.0012/3/2010 9:12:20 AM
CashBank$25.00$25.0012/3/2010 9:25:23 AM
wojo$25.00$25.0012/3/2010 5:47:59 AM
sgt-schultz$25.00$25.0012/3/2010 6:16:58 AM
icon7$30.00$30.0012/3/2010 12:09:45 PM
SmartBanking$25.00$25.0012/3/2010 8:17:55 AM
forthright-trade$25.00$25.0012/3/2010 10:21:34 AM
181 bids
 
Borrower Payment Dependent Notes Series 485837
This series of Notes was issued and sold upon the funding of the borrower loan #46002, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $173.08
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $173.08
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
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-1978 Debt/Income ratio: 7%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 9 Current / open credit lines: 3 / 3Length of status:12y 5m
Amount delinquent: $1,570 Total credit lines: 47 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,433Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: new-commanding-bid Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Home purchase- Down payment
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)
Ripsaw4U$50.00$50.0011/29/2010 2:57:56 PM
jazzlender$25.00$25.0011/29/2010 3:01:57 PM
nickel-ferret$50.00$50.0011/29/2010 2:57:30 PM
proper-commitment5$25.00$25.0011/29/2010 2:59:07 PM
AFairDeal$50.00$50.0011/29/2010 3:07:12 PM
simplelender80$250.00$250.0011/29/2010 3:04:15 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:24 PM
ray1051$50.00$50.0011/29/2010 3:06:46 PM
Mariner3605$100.00$100.0011/29/2010 3:18:20 PM
finance_mba$25.00$25.0011/29/2010 3:06:36 PM
finance-prescription$100.00$100.0011/29/2010 3:16:04 PM
cablenews$50.00$50.0011/29/2010 3:19:33 PM
bid-czar8$100.00$100.0011/29/2010 3:22:17 PM
rautility$50.00$50.0011/29/2010 3:20:55 PM
understanding-affluence5$30.00$30.0011/29/2010 3:14:25 PM
careful-note$100.00$100.0011/29/2010 3:15:02 PM
the-enterprising-leverage$25.00$25.0011/29/2010 3:28:59 PM
wayman$50.00$50.0011/29/2010 3:27:23 PM
stuy1998$25.00$25.0011/29/2010 3:18:11 PM
GElender$75.00$75.0011/29/2010 3:34:04 PM
organized-payment6$50.00$50.0011/29/2010 3:27:07 PM
community-seahorse0$25.00$25.0011/29/2010 3:27:14 PM
bonafide-cash$50.00$50.0011/29/2010 3:28:15 PM
rudyindc$25.00$25.0011/29/2010 3:29:51 PM
yield-enlistment$25.00$25.0011/29/2010 5:32:50 PM
the-profit-oracle$25.00$25.0011/30/2010 3:02:48 AM
tsui517$25.00$25.0011/30/2010 7:11:50 AM
credit-bliss8$25.00$25.0011/30/2010 7:08:21 AM
zebra806$49.28$49.2811/30/2010 7:35:57 AM
astute-investment5$25.00$25.0011/30/2010 9:33:26 AM
objective-investor$44.29$44.2911/30/2010 7:10:54 AM
maximizer$25.00$25.0011/30/2010 7:11:02 AM
handshake5$100.00$100.0011/30/2010 7:11:59 AM
rss197$25.00$25.0011/30/2010 9:12:56 AM
108lender$135.57$135.5711/30/2010 1:27:46 PM
p2p-rider7$50.00$50.0011/30/2010 10:18:23 AM
goodfaithAK$50.00$50.0011/30/2010 1:10:34 PM
velocity-solo$25.00$25.0011/30/2010 1:37:45 PM
riproaringrapids$25.00$25.0011/30/2010 2:28:21 PM
commerce-yeller$50.00$50.0011/30/2010 3:00:48 PM
bazaar-utensil7$50.00$50.0011/30/2010 3:13:49 PM
rvirk$50.00$50.0011/30/2010 3:17:26 PM
income-vault6$25.00$25.0011/30/2010 2:29:12 PM
the-debt-fluffy-bunny$25.00$25.0011/30/2010 2:29:36 PM
natural-affluence4$25.00$25.0011/30/2010 4:07:16 PM
Bank42$43.89$43.8911/30/2010 7:32:55 PM
MarinLoans$25.00$25.0011/30/2010 7:37:46 PM
finance-mushroom$75.00$75.0011/30/2010 10:59:47 PM
vigorous-velocity$100.00$100.0011/30/2010 10:59:48 PM
bazaar-secret-agent6$33.37$33.3711/30/2010 10:59:57 PM
comet55$25.00$25.0011/30/2010 4:45:35 PM
interstellar$46.95$46.9512/1/2010 1:45:32 AM
gaiusceasar$25.00$25.0012/1/2010 7:36:39 AM
pouch7$25.00$25.0012/1/2010 2:31:48 PM
grampy48$30.00$30.0012/2/2010 1:13:03 PM
wwwUniversal$25.00$25.0012/3/2010 6:57:14 AM
cash-vault$25.00$25.0012/3/2010 4:49:41 AM
hopeful-truth5$90.35$90.3511/29/2010 3:01:06 PM
enthralling-deal180$50.00$50.0011/29/2010 3:01:31 PM
kulender$50.00$50.0011/29/2010 3:00:04 PM
indomitable-coin$50.00$50.0011/29/2010 3:02:46 PM
dunox$50.00$50.0011/29/2010 3:04:35 PM
skuba$25.00$25.0011/29/2010 3:07:28 PM
tech310$50.00$50.0011/29/2010 2:56:57 PM
Webpreneur$50.00$50.0011/29/2010 3:17:18 PM
radforj22$25.00$25.0011/29/2010 3:18:36 PM
platinum-celebration4$25.00$25.0011/29/2010 3:06:54 PM
ASR3$25.00$25.0011/29/2010 3:07:01 PM
melodious-fairness$50.00$50.0011/29/2010 3:07:48 PM
kc8fot$50.00$50.0011/29/2010 3:21:50 PM
trade-boots1$100.00$100.0011/29/2010 3:23:59 PM
LiveNow$25.00$25.0011/29/2010 3:21:30 PM
MrBailey$25.00$25.0011/29/2010 3:24:47 PM
peace-maximizer8$25.00$25.0011/29/2010 3:25:21 PM
ichibon$150.00$150.0011/29/2010 3:15:19 PM
Artist_Blue$25.00$25.0011/29/2010 3:32:02 PM
the-bright-velocity$25.00$25.0011/29/2010 3:34:52 PM
Headhunter14$25.00$25.0011/29/2010 3:29:17 PM
the-silver-blaster$50.00$50.0011/29/2010 3:31:15 PM
gain-gourd$100.00$100.0011/29/2010 3:31:24 PM
money-bauble$25.00$25.0011/29/2010 3:32:46 PM
worthy-bid8$31.82$31.8211/30/2010 3:43:00 AM
gavinfh$25.00$25.0011/30/2010 5:53:19 AM
Approved1234$25.00$25.0011/30/2010 7:09:59 AM
hitsman$50.00$50.0011/30/2010 9:53:03 AM
RationalWorld$25.00$25.0011/30/2010 7:12:35 AM
efficient-treasure0$25.00$25.0011/30/2010 10:46:33 AM
investment-comet$25.00$25.0011/30/2010 1:12:42 PM
competent-p2p$25.00$25.0011/30/2010 11:14:40 AM
greenback-guard$25.00$25.0011/30/2010 2:13:22 PM
loyalist1$100.00$100.0011/30/2010 2:24:56 PM
reward-motion$50.00$50.0011/30/2010 3:00:45 PM
open-dough6$50.00$50.0011/30/2010 3:13:51 PM
raisingophelia$25.00$25.0011/30/2010 3:13:52 PM
valiant-liberty4$25.00$25.0011/30/2010 3:17:11 PM
graceful-investment$100.00$100.0011/30/2010 2:24:55 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:42:46 PM
MedLend$50.00$50.0011/30/2010 2:27:51 PM
SajDiddy$75.00$75.0011/30/2010 4:55:04 PM
j2ee$25.00$25.0011/30/2010 3:12:04 PM
native68$50.00$50.0011/30/2010 8:24:57 PM
nybanker85$30.53$30.5312/1/2010 1:22:30 AM
Anny-Disco$50.00$7.5912/1/2010 3:40:03 AM
generous-deal6$50.00$50.0012/1/2010 2:58:00 AM
dollardave$72.36$72.3612/1/2010 10:17:43 AM
Kessler$29.00$29.0012/1/2010 3:22:56 PM
dcap3$25.00$25.0012/3/2010 5:04:33 AM
107 bids
 
Borrower Payment Dependent Notes Series 485931
This series of Notes was issued and sold upon the funding of the borrower loan #45884, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-02-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $485.71
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $485.71
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1997 Debt/Income ratio: 9%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 45 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,363Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: return-legend3 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Putting in a new kitchen
Purpose of loan:
This loan will be used to remodel our existing kitchen which is 13 years old with a severely water damaged wood floor.

My financial situation:
I believe I am a good candidate for a loan of $25,000 since my credit report is excellent at 750+ and I have a steady income stream.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0011/29/2010 2:59:52 PM
FlexFunding$50.00$50.0011/29/2010 2:56:30 PM
proper-commitment5$25.00$25.0011/29/2010 2:58:50 PM
generous-deal6$50.00$50.0011/29/2010 2:59:43 PM
capital-web7$50.00$50.0011/29/2010 3:03:43 PM
mjunlimited$50.00$50.0011/29/2010 3:08:04 PM
helpishere777$25.00$25.0011/29/2010 3:08:09 PM
DonaldColorado$100.00$100.0011/29/2010 3:08:38 PM
Havana21$100.00$100.0011/29/2010 3:05:51 PM
perlindc$100.00$100.0011/29/2010 3:09:14 PM
forrestgump$50.00$50.0011/29/2010 3:10:40 PM
nickel-ferret$50.00$50.0011/29/2010 3:08:48 PM
financelover$50.00$50.0011/29/2010 3:11:33 PM
vigilance-revolutionary$50.00$50.0011/29/2010 3:11:41 PM
chekat$25.00$25.0011/29/2010 3:09:41 PM
forthright-dedication$25.00$25.0011/29/2010 3:09:53 PM
bowdish1$100.00$100.0011/29/2010 3:09:56 PM
auction-sage$50.00$50.0011/29/2010 3:10:03 PM
ommcd$25.00$25.0011/29/2010 3:10:21 PM
Avala$100.00$100.0011/29/2010 2:59:34 PM
indomitable-coin$50.00$50.0011/29/2010 3:13:18 PM
Binan$25.00$25.0011/29/2010 3:13:22 PM
commerce-voyager$25.00$25.0011/29/2010 2:59:48 PM
Emgolda$25.00$25.0011/29/2010 3:10:35 PM
bds9646$26.00$26.0011/29/2010 3:10:46 PM
innocent-deal$50.00$50.0011/29/2010 3:11:31 PM
truth-prospector$25.00$25.0011/29/2010 3:14:18 PM
Mariner3605$25.00$25.0011/29/2010 3:11:49 PM
panegryst$50.00$50.0011/29/2010 3:11:57 PM
unclejaef$25.00$25.0011/29/2010 3:01:20 PM
slartibardfast$30.00$30.0011/29/2010 3:15:31 PM
fcukciti$25.00$25.0011/29/2010 3:15:35 PM
exchange-pledge$50.00$50.0011/29/2010 3:16:47 PM
kenji4861$50.00$50.0011/29/2010 3:17:07 PM
dharma1$50.00$50.0011/29/2010 3:14:47 PM
Soothsayer$25.00$25.0011/29/2010 3:17:48 PM
investment-network$25.00$25.0011/29/2010 3:06:03 PM
fishtale$25.00$25.0011/29/2010 3:06:20 PM
zhiguli$25.00$25.0011/29/2010 3:18:29 PM
inforapenny$50.00$50.0011/29/2010 3:21:39 PM
Jassi$25.00$25.0011/29/2010 3:10:06 PM
SDNLR$25.00$25.0011/29/2010 3:10:17 PM
NycDean$25.00$25.0011/29/2010 3:10:24 PM
diablorulz$50.00$50.0011/29/2010 3:10:51 PM
PThor$25.00$25.0011/29/2010 3:11:28 PM
point-didgeridoo$50.00$50.0011/29/2010 3:22:47 PM
ADenny$25.00$25.0011/29/2010 3:22:55 PM
blot44$25.00$25.0011/29/2010 3:12:03 PM
conaty$50.00$50.0011/29/2010 3:20:36 PM
life-is-great$50.00$50.0011/29/2010 3:22:02 PM
Toby1montana$100.00$100.0011/29/2010 3:13:32 PM
respectablename$50.00$50.0011/29/2010 3:13:57 PM
greenback-guard$25.00$25.0011/29/2010 3:23:24 PM
important-ore$26.60$26.6011/29/2010 3:23:42 PM
loan-warrior$25.00$25.0011/29/2010 3:25:12 PM
bruin558$50.00$50.0011/29/2010 3:16:52 PM
kid8549$50.00$50.0011/29/2010 3:17:29 PM
compoundinterest$50.00$50.0011/29/2010 3:17:36 PM
green-glowing-gain$25.00$25.0011/29/2010 3:31:38 PM
blue-velocity-investor$25.00$25.0011/29/2010 3:31:50 PM
efficient-marketplace$50.00$50.0011/29/2010 3:20:41 PM
meux99$25.00$25.0011/29/2010 3:22:06 PM
subtle-revenue0$25.00$25.0011/29/2010 3:32:15 PM
interest-exec9$25.00$25.0011/29/2010 3:33:49 PM
GElender$100.00$100.0011/29/2010 3:34:00 PM
napmanger$25.00$25.0011/29/2010 3:36:44 PM
Dan65$50.00$50.0011/29/2010 3:47:59 PM
royboy0292$25.00$25.0011/29/2010 4:43:16 PM
Bank_Of_XL$25.00$25.0011/29/2010 6:41:05 PM
stable-money$25.00$25.0011/29/2010 3:33:15 PM
the-bright-velocity$25.00$25.0011/29/2010 3:34:38 PM
jackdempsey$75.00$75.0011/30/2010 1:47:59 AM
economy-beast$25.00$25.0011/29/2010 4:29:28 PM
revmax$25.00$25.0011/30/2010 3:28:37 AM
lloyd_s$25.00$25.0011/30/2010 2:29:49 AM
gold-achievement$25.00$25.0011/30/2010 8:30:00 AM
rss197$25.00$25.0011/30/2010 7:51:14 AM
delicious-social132$50.00$50.0011/30/2010 3:27:19 AM
windfall46$25.00$25.0011/30/2010 8:22:45 AM
108lender$85.81$85.8111/30/2010 11:59:10 AM
schpere$25.00$25.0011/30/2010 9:46:50 AM
bigballer105$100.00$100.0011/30/2010 1:27:59 PM
benjamin67$50.00$50.0011/30/2010 2:02:12 PM
SourDoughSteve$25.00$25.0011/30/2010 11:00:14 AM
nybanker85$50.00$50.0011/30/2010 2:45:19 PM
frankdelraza$25.00$25.0011/30/2010 2:24:46 PM
ivar$25.00$25.0011/30/2010 3:53:13 PM
ArashMass$30.00$30.0011/30/2010 6:49:27 PM
BigMonkey$50.00$50.0011/30/2010 7:02:39 PM
lifegrowth$25.00$25.0011/30/2010 8:39:16 PM
divedude$25.00$25.0012/1/2010 1:36:27 AM
Dazz2061$25.00$25.0011/30/2010 11:06:03 PM
turbostar666$50.00$50.0012/1/2010 12:55:39 AM
TCayce$25.00$25.0012/1/2010 2:00:23 AM
gethsemane4$25.00$25.0012/1/2010 2:01:20 AM
majormoves1$25.00$25.0012/1/2010 2:11:03 AM
BludAx$25.00$25.0012/1/2010 1:45:05 AM
JaceSpade$25.00$25.0012/1/2010 2:32:56 AM
GenerousGentleMan$56.20$56.2011/30/2010 5:28:03 PM
NJNY$25.00$25.0012/1/2010 2:44:55 AM
latestone$25.00$25.0012/1/2010 2:46:02 AM
outwish$25.00$25.0012/1/2010 2:13:43 AM
degster$25.00$25.0012/1/2010 2:49:52 AM
Veridic$25.00$25.0012/1/2010 2:52:13 AM
xphile$25.00$25.0012/1/2010 2:33:00 AM
skunkor2$27.24$27.2412/1/2010 2:44:23 AM
dollar-oracle55$25.00$25.0012/1/2010 3:05:38 AM
authoritative-capital$25.00$25.0012/1/2010 3:06:11 AM
top-sensible-yield$25.00$25.0012/1/2010 3:40:20 AM
wise-silver-wonder$25.00$25.0012/1/2010 3:11:06 AM
wormdc$25.00$25.0011/30/2010 9:34:36 PM
coolgenner$50.00$50.0012/1/2010 4:44:53 AM
valueguru$39.13$39.1312/1/2010 12:37:39 AM
ayerobbie$28.44$28.4412/1/2010 1:09:50 AM
sentry256$25.00$25.0012/1/2010 1:10:43 AM
Cai8899$45.00$45.0012/1/2010 1:11:21 AM
jasperpants$25.00$25.0012/1/2010 1:11:34 AM
bayareainv$33.24$33.2412/1/2010 1:17:32 AM
BMP$25.00$25.0012/1/2010 1:20:15 AM
Mark-O-Polo$25.00$25.0012/1/2010 1:20:26 AM
dcap3$25.00$25.0012/1/2010 5:43:45 AM
Aimvest$25.00$25.0012/1/2010 1:37:16 AM
chrisb1414$25.00$25.0012/1/2010 1:44:20 AM
UncleTupelo2$25.00$25.0012/1/2010 7:12:14 AM
TheReaderRabbit$31.89$31.8912/1/2010 2:00:31 AM
onlyinchicago$29.19$29.1912/1/2010 2:10:24 AM
PCGeekWI$25.00$25.0012/1/2010 2:10:53 AM
neutrino6$25.00$25.0012/1/2010 3:06:57 AM
MO_Investor$25.00$25.0012/1/2010 3:13:17 AM
tuneman1980$25.00$25.0012/1/2010 5:14:17 AM
iolaire$25.00$25.0012/1/2010 7:12:49 AM
Katburg$42.59$42.5912/1/2010 11:01:32 AM
flwah$25.00$25.0012/1/2010 1:58:25 PM
awwaww$25.00$25.0012/1/2010 1:33:11 PM
zenchef$25.00$25.0012/1/2010 1:47:51 PM
highcountry1$25.00$25.0012/1/2010 9:53:33 AM
jlofgren$25.00$25.0012/1/2010 9:59:48 AM
Green_Bean$25.00$25.0012/1/2010 10:34:33 AM
fortytwo$200.00$200.0012/1/2010 2:27:59 PM
preciouschild$100.00$100.0012/1/2010 2:36:52 PM
cablenews$50.00$50.0012/1/2010 11:07:19 AM
mnmcarve$26.93$26.9312/1/2010 11:14:58 AM
Holtavious$25.00$25.0012/1/2010 1:18:09 PM
mistertao$25.00$25.0012/1/2010 2:45:04 PM
teller$50.00$50.0012/1/2010 2:48:24 PM
Sam65$25.00$25.0012/1/2010 2:48:31 PM
zeelender$25.00$25.0012/1/2010 2:48:48 PM
sundaisybabie$25.00$25.0012/1/2010 4:17:12 PM
windpiano1962$25.00$25.0012/1/2010 7:20:46 PM
Avid_Skier$50.00$50.0012/1/2010 7:21:16 PM
cropdust3r$50.00$50.0012/1/2010 7:21:54 PM
nourishing-payment8$25.00$25.0012/1/2010 7:22:30 PM
nytrnbow$25.00$25.0012/1/2010 7:22:37 PM
CorporateT00l$25.00$25.0012/1/2010 7:22:45 PM
LOANMAN614$25.00$25.0012/1/2010 7:23:16 PM
orange-mighty-finance$25.00$25.0012/1/2010 6:14:44 PM
Proud2BAmerican$25.00$25.0012/1/2010 7:23:36 PM
RJN$25.00$25.0012/1/2010 7:24:09 PM
pipopirate$46.03$46.0312/1/2010 7:24:13 PM
ahalls$25.00$25.0012/1/2010 7:24:20 PM
mscomeaux$25.00$25.0012/1/2010 7:24:27 PM
Quaven$25.00$25.0012/1/2010 7:24:48 PM
Wilvara$50.00$50.0012/1/2010 7:25:02 PM
ciscoparrot$25.00$25.0012/1/2010 7:25:15 PM
Ariesian1$50.00$50.0012/1/2010 7:25:42 PM
newest-sensible-hope$50.00$50.0012/1/2010 7:27:02 PM
SARMAR$50.00$50.0012/1/2010 7:27:24 PM
rvirk$50.00$50.0012/1/2010 7:21:18 PM
balanced-rupee$50.00$50.0012/1/2010 7:21:42 PM
rdking647$25.00$25.0012/1/2010 7:21:55 PM
BeachWalkz$50.00$50.0012/1/2010 7:22:19 PM
visionary-asset5$50.00$50.0012/1/2010 7:22:24 PM
well-mannered-basis1$50.00$50.0012/1/2010 7:22:31 PM
cebgop$25.00$25.0012/1/2010 7:22:48 PM
joseapg$25.00$25.0012/1/2010 7:22:58 PM
purohit$25.00$25.0012/1/2010 7:23:11 PM
WorldlyWorker$25.00$25.0012/1/2010 7:23:20 PM
serene-credit4$50.00$50.0012/1/2010 7:23:30 PM
SunsetCoastCapital$25.00$25.0012/1/2010 7:23:40 PM
SkonkeyGongo$25.00$25.0012/1/2010 7:24:27 PM
shaker348$25.00$25.0012/1/2010 7:24:50 PM
sappy02$40.00$40.0012/1/2010 7:25:17 PM
_kyle$50.00$50.0012/1/2010 7:25:25 PM
johngaltline$25.00$25.0012/1/2010 7:26:17 PM
balance-voyager$75.00$75.0012/1/2010 7:26:58 PM
balance2$25.00$25.0012/1/2010 7:27:29 PM
zwx1997$25.00$25.0012/1/2010 3:57:09 PM
dma1206$25.00$25.0012/1/2010 7:34:42 PM
ZeoInvestments$25.00$25.0012/1/2010 4:57:52 PM
neighborly-hope6$50.00$50.0012/1/2010 5:09:36 PM
mrpowers5531$25.00$25.0012/1/2010 5:47:34 PM
sensible-order2$31.07$31.0712/1/2010 6:47:57 PM
bbaughma$50.00$50.0012/1/2010 7:20:45 PM
SJM10011a$25.00$25.0012/1/2010 7:20:54 PM
shrewd-deal$25.00$25.0012/1/2010 7:21:58 PM
lucky6$25.00$25.0012/1/2010 7:22:26 PM
inspired-investment8$100.00$100.0012/1/2010 7:22:32 PM
cleared2land$25.00$25.0012/1/2010 7:22:39 PM
mattpet$25.00$25.0012/1/2010 7:22:59 PM
Nikelaos$34.67$34.6712/1/2010 7:23:17 PM
pleasant-basis$38.88$38.8812/1/2010 7:23:31 PM
Namrok$25.00$25.0012/1/2010 7:23:37 PM
demoseal$25.00$25.0012/1/2010 7:23:43 PM
stensonb$25.00$25.0012/1/2010 7:24:14 PM
mikeleib$25.00$25.0012/1/2010 7:24:25 PM
buckeye55$25.00$25.0012/1/2010 7:24:29 PM
dadalou$25.00$25.0012/1/2010 7:24:32 PM
duphregne79$50.00$50.0012/1/2010 7:24:59 PM
antlr$50.00$50.0012/1/2010 7:25:11 PM
heroic-platinum$25.00$25.0012/1/2010 7:25:22 PM
camaraderi-entrepreneur$25.00$25.0012/1/2010 7:26:12 PM
bulldawg$25.00$25.0012/1/2010 7:26:16 PM
Chembro783$50.00$50.0012/1/2010 7:27:33 PM
BiggestG$25.00$25.0012/1/2010 7:27:53 PM
shawndw$25.00$7.6212/1/2010 7:28:52 PM
DukSerduk$25.00$25.0011/29/2010 2:56:36 PM
radforj22$50.00$50.0011/29/2010 3:02:11 PM
money-bauble$100.00$100.0011/29/2010 2:59:26 PM
Rivervale_Westwood$25.00$25.0011/29/2010 3:08:30 PM
money-surge1$25.00$25.0011/29/2010 3:09:09 PM
wjf60$50.00$50.0011/29/2010 3:06:09 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:29 PM
MarinLoans$25.00$25.0011/29/2010 3:10:00 PM
murren$25.00$25.0011/29/2010 3:10:32 PM
figs4u2$100.00$100.0011/29/2010 3:10:56 PM
sjlender$50.00$50.0011/29/2010 3:08:19 PM
Goodlender42$25.00$25.0011/29/2010 3:11:09 PM
skuba$100.00$100.0011/29/2010 3:11:19 PM
Cal07$25.00$25.0011/29/2010 3:11:24 PM
brightest-affluence-motivator$100.00$100.0011/29/2010 3:09:00 PM
BuckeyeBanker$50.00$50.0011/29/2010 3:11:52 PM
roadtruck$50.00$50.0011/29/2010 3:11:59 PM
Curly-Girly$25.00$25.0011/29/2010 3:12:12 PM
vigorous-velocity$100.00$100.0011/29/2010 3:12:17 PM
meenan$25.00$25.0011/29/2010 3:10:27 PM
ThomasC$50.00$50.0011/29/2010 3:13:29 PM
C_Mark$50.00$50.0011/29/2010 3:11:03 PM
a-responsible-return$50.00$50.0011/29/2010 3:12:08 PM
seabass123$25.00$25.0011/29/2010 3:02:38 PM
upright-commitment5$50.00$50.0011/29/2010 3:16:44 PM
goldie414$50.00$50.0011/29/2010 3:13:53 PM
loan-kung-fu$200.00$200.0011/29/2010 3:17:25 PM
ichibon$150.00$150.0011/29/2010 3:14:57 PM
Ripsaw4U$75.00$75.0011/29/2010 3:08:00 PM
elasermd$50.00$50.0011/29/2010 3:09:04 PM
snowman34$25.00$25.0011/29/2010 3:09:47 PM
stuy1998$30.00$30.0011/29/2010 3:18:02 PM
flypenguin$50.00$50.0011/29/2010 3:10:10 PM
value-pouch$37.07$37.0711/29/2010 3:23:14 PM
organized-payment6$50.00$50.0011/29/2010 3:11:55 PM
j2ee$25.00$25.0011/29/2010 3:20:27 PM
kc8fot$50.00$50.0011/29/2010 3:21:59 PM
reflective-rupee$25.00$25.0011/29/2010 3:26:18 PM
trade-boots1$100.00$100.0011/29/2010 3:23:50 PM
currency-persimmon$25.00$25.0011/29/2010 3:28:09 PM
jazzlender$25.00$25.0011/29/2010 3:17:02 PM
verse99$25.00$25.0011/29/2010 3:18:14 PM
CaptainBlueberry$25.00$25.0011/29/2010 3:18:32 PM
Headhunter14$25.00$25.0011/29/2010 3:29:08 PM
CBO-Enterprise$100.00$100.0011/29/2010 3:19:48 PM
Doc23$25.00$25.0011/29/2010 3:33:37 PM
afotherg$75.00$75.0011/29/2010 3:31:47 PM
Sixmil$75.00$75.0011/29/2010 3:23:34 PM
AFairDeal$75.00$75.0011/29/2010 3:28:31 PM
the-enterprising-leverage$25.00$25.0011/29/2010 3:28:56 PM
balance-force$31.00$31.0011/29/2010 5:10:51 PM
RB_Double-A_Bravo$25.00$25.0011/29/2010 6:18:00 PM
IIP77$25.00$25.0011/30/2010 1:34:32 AM
julijask$35.00$35.0011/30/2010 2:29:28 AM
orange-durability-freshmaker$25.00$25.0011/29/2010 8:39:54 PM
restless-balance9$50.00$50.0011/30/2010 5:27:15 AM
caring-hope2$50.00$50.0011/29/2010 9:06:25 PM
scottburger$25.00$25.0011/30/2010 2:36:35 AM
ivadood$42.20$42.2011/30/2010 7:57:43 AM
ingenious-order783$25.00$25.0011/30/2010 7:36:46 AM
astute-investment5$25.00$25.0011/30/2010 9:33:04 AM
MONEYLENDER101$100.00$100.0011/30/2010 1:02:51 PM
nimble-money0$50.00$50.0011/30/2010 1:24:58 PM
whistledicksmith$25.00$25.0011/30/2010 10:59:37 AM
ChristopherHS$25.00$25.0011/30/2010 11:00:03 AM
Steveoo1$34.54$34.5411/30/2010 11:13:56 AM
PatRichi$25.00$25.0011/30/2010 2:43:32 PM
jjswanso$50.00$50.0011/30/2010 3:11:52 PM
SkiNZ$25.00$25.0011/30/2010 3:52:41 PM
treasure-gazer$25.00$25.0011/30/2010 3:52:48 PM
nickel-synapse$25.00$25.0011/30/2010 4:47:31 PM
p2ploan-axis$25.00$25.0011/30/2010 6:03:02 PM
bba11er45$44.13$44.1311/30/2010 8:27:34 PM
cash-queen$25.00$25.0011/30/2010 10:32:26 PM
kind-adventurous-finance$25.00$25.0011/30/2010 3:39:59 PM
Anny-Disco$25.00$25.0011/30/2010 4:04:37 PM
The1thing$44.13$44.1311/30/2010 11:04:49 PM
YellowJacket$25.00$25.0012/1/2010 1:39:12 AM
t-loan$25.00$25.0012/1/2010 1:07:22 AM
L-vex$25.00$25.0012/1/2010 1:38:23 AM
Phantom99$100.00$100.0012/1/2010 2:50:58 AM
metro457$33.84$33.8412/1/2010 2:24:18 AM
tekkie2412$25.00$25.0012/1/2010 2:31:57 AM
orange-dollar-guild$25.00$25.0012/1/2010 3:06:21 AM
power-defender7$25.00$25.0012/1/2010 3:13:21 AM
vigilance-accruer$25.00$25.0012/1/2010 3:04:53 AM
bouvierchamp$28.97$28.9712/1/2010 1:07:59 AM
totoro$25.00$25.0012/1/2010 1:09:29 AM
Weaverville$50.00$50.0012/1/2010 1:12:18 AM
dingus$25.00$25.0012/1/2010 1:13:07 AM
eyal0$29.50$29.5012/1/2010 1:20:21 AM
sajitk$25.00$25.0012/1/2010 1:45:10 AM
SeaLoans$25.00$25.0012/1/2010 2:02:57 AM
first-upright-payout$25.00$25.0012/1/2010 7:32:58 AM
lostontheedge$25.00$25.0012/1/2010 2:10:57 AM
Cartm$25.00$25.0012/1/2010 2:45:44 AM
Cheburashka$30.00$30.0012/1/2010 7:50:36 AM
logical-reward8$25.00$25.0012/1/2010 3:05:51 AM
gold-sushi$27.72$27.7212/1/2010 3:06:23 AM
ramsbladder$25.00$25.0012/1/2010 4:10:22 AM
hopeful-point$50.00$50.0012/1/2010 10:34:26 AM
ChicoBob$32.47$32.4712/1/2010 6:47:56 AM
One-ninety-three$25.00$25.0012/1/2010 7:43:09 AM
dime-cherry$50.00$50.0012/1/2010 8:11:51 AM
payout-alien6$25.00$25.0012/1/2010 11:30:55 AM
rytrearc$49.09$49.0912/1/2010 9:14:41 AM
corporealfunk$53.77$53.7712/1/2010 9:24:16 AM
gojackgo$50.00$50.0012/1/2010 1:48:28 PM
CASHGIRL$27.01$27.0112/1/2010 1:56:11 PM
derec$25.00$25.0012/1/2010 2:10:22 PM
newfoundation$25.00$25.0012/1/2010 2:45:31 PM
lounges$50.00$50.0012/1/2010 2:45:51 PM
Digs$25.00$25.0012/1/2010 2:48:23 PM
Castellan$46.79$46.7912/1/2010 11:15:11 AM
MrSolution$25.00$25.0012/1/2010 3:00:45 PM
agalt$100.00$100.0012/1/2010 1:48:08 PM
QuinMccoy$50.00$50.0012/1/2010 2:46:59 PM
SpareChangeDreamFundLLC$25.84$25.8412/1/2010 3:04:53 PM
scrappy-bonus2$25.00$25.0012/1/2010 3:13:37 PM
Guiren$100.00$100.0012/1/2010 4:37:59 PM
affert$50.00$50.0012/1/2010 7:20:31 PM
bebeshor$25.00$25.0012/1/2010 7:20:50 PM
jt88$50.00$50.0012/1/2010 7:21:52 PM
saintjude$50.00$50.0012/1/2010 7:22:03 PM
grlscz$25.00$25.0012/1/2010 7:22:27 PM
best-coin-miser$25.00$25.0012/1/2010 7:22:35 PM
NJournalist$50.00$50.0012/1/2010 7:23:15 PM
RaginBajin$25.00$25.0012/1/2010 7:23:27 PM
Hexnut$50.00$50.0012/1/2010 7:23:33 PM
nofreelunch$25.00$25.0012/1/2010 7:23:38 PM
onegoodlender$25.00$25.0012/1/2010 7:24:07 PM
BlindSquirrel$25.00$25.0012/1/2010 7:24:12 PM
ArmyGuy$25.00$25.0012/1/2010 7:24:16 PM
Hoov$25.00$25.0012/1/2010 7:24:22 PM
rulender$33.11$33.1112/1/2010 7:24:36 PM
RoyFauntleroy$25.00$25.0012/1/2010 7:25:00 PM
Ocean-Breeze$50.00$50.0012/1/2010 7:25:20 PM
gardenglow$25.00$25.0012/1/2010 7:25:50 PM
dignified-funds7$38.70$38.7012/1/2010 7:26:03 PM
mpthree$50.00$50.0012/1/2010 7:26:14 PM
justalender$25.00$25.0012/1/2010 7:27:12 PM
social-comet7$25.00$25.0012/1/2010 7:28:42 PM
rosie777$30.00$30.0012/1/2010 7:20:47 PM
bold-yield-rumbler$25.00$25.0012/1/2010 7:21:22 PM
ArtemisFitzlebottom$50.00$50.0012/1/2010 7:21:49 PM
Radium84$50.00$50.0012/1/2010 7:21:56 PM
lendermender$50.00$50.0012/1/2010 7:22:14 PM
lazytom$50.00$50.0012/1/2010 7:22:21 PM
Phillip298$25.00$25.0012/1/2010 7:22:28 PM
nycfinance$25.00$25.0012/1/2010 7:23:10 PM
nail19027$38.42$38.4212/1/2010 7:23:18 PM
Woodworker57$25.00$25.0012/1/2010 7:23:25 PM
lenderme$25.00$25.0012/1/2010 7:23:34 PM
jcrew007$25.00$25.0012/1/2010 7:24:10 PM
jonandmeg21$30.22$30.2212/1/2010 7:24:20 PM
Nco$25.00$25.0012/1/2010 7:24:34 PM
orange-courageous-dedication$50.00$50.0012/1/2010 7:25:21 PM
rcr549$25.00$25.0012/1/2010 7:26:15 PM
Mantis75$25.00$25.0012/1/2010 7:26:54 PM
sngndnc$50.00$50.0012/1/2010 7:27:06 PM
Octavian315$35.00$35.0012/1/2010 7:27:09 PM
dumbass$25.00$25.0012/1/2010 7:27:30 PM
OldestBrother$50.00$50.0012/1/2010 5:15:12 PM
heavenly-treasure542$50.00$50.0012/1/2010 7:19:20 PM
kegs$108.95$108.9512/1/2010 7:20:48 PM
tenacious-payout$25.00$25.0012/1/2010 7:20:51 PM
ISHLEP67$71.00$71.0012/1/2010 7:21:23 PM
honorable-yield$50.00$50.0012/1/2010 7:21:51 PM
bedok$50.00$50.0012/1/2010 7:22:00 PM
nv$25.00$25.0012/1/2010 7:22:06 PM
cyonamine$25.00$25.0012/1/2010 7:22:34 PM
wampum-chorus3$25.00$25.0012/1/2010 7:22:44 PM
Tasmir$25.00$25.0012/1/2010 7:22:57 PM
officer8$25.00$25.0012/1/2010 7:23:01 PM
tbati$25.00$25.0012/1/2010 7:23:23 PM
pinnacle10$25.00$25.0012/1/2010 7:23:29 PM
Wawenock$25.00$25.0012/1/2010 7:23:35 PM
FCI$25.00$25.0012/1/2010 7:24:26 PM
tolstoy00$25.00$25.0012/1/2010 7:24:31 PM
Tlk2drew$50.00$50.0012/1/2010 7:25:01 PM
auction-elvis$25.00$25.0012/1/2010 7:25:09 PM
medman$25.00$25.0012/1/2010 7:25:45 PM
dollars4debts$25.00$25.0012/1/2010 7:26:09 PM
Thecozychick$25.00$25.0012/1/2010 7:26:13 PM
gzeo$25.00$25.0012/1/2010 7:27:00 PM
KeepOnRunning$50.00$50.0012/1/2010 7:27:55 PM
market-socrates4$50.00$50.0012/1/2010 7:28:30 PM
Zipperdu$50.00$50.0012/2/2010 3:56:53 AM
403 bids
 
Borrower Payment Dependent Notes Series 485965
This series of Notes was issued and sold upon the funding of the borrower loan #45979, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $346.16
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $346.16
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1995 Debt/Income ratio: 15%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,442Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: income-scrutinzer1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Down Debt, Prepping Future
Purpose of loan:
This loan will be used to pay down my existing credit debt and to finally start preparing for my future.

My financial situation:
I am a good candidate for this loan because I am fortunate to have a great job and I am committed to this task of gaining control over my finances.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 65
??Phone, cable, internet: $ 50
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??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: You report a net monthly income of $3600 and monthly expenses of $3615. Where will the money to service this loan come from? - integrity-broker
A: Thanks for your question. Total income is actually $3685 and the expenses listed include the budgeted amount (proposed monthly loan payment) under the credit cards amount. Thanks for your consideration! (Dec-02-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
nickel-ferret$50.00$50.0011/29/2010 2:57:13 PM
proper-commitment5$25.00$25.0011/29/2010 2:59:11 PM
Ripsaw4U$50.00$50.0011/29/2010 2:58:03 PM
indomitable-coin$50.00$50.0011/29/2010 3:02:49 PM
enthralling-deal180$50.00$50.0011/29/2010 3:01:34 PM
ASR3$25.00$25.0011/29/2010 3:07:04 PM
melodious-fairness$50.00$50.0011/29/2010 3:07:53 PM
ray1051$50.00$50.0011/29/2010 3:06:49 PM
AFairDeal$50.00$50.0011/29/2010 3:07:17 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:33 PM
dunox$25.00$25.0011/29/2010 3:00:27 PM
ichibon$150.00$150.0011/29/2010 3:15:23 PM
understanding-affluence5$30.00$30.0011/29/2010 3:14:29 PM
hopeful-truth5$100.00$100.0011/29/2010 3:05:01 PM
finance-prescription$100.00$100.0011/29/2010 3:16:08 PM
rautility$50.00$50.0011/29/2010 3:20:59 PM
kc8fot$50.00$50.0011/29/2010 3:21:56 PM
trade-boots1$100.00$100.0011/29/2010 3:24:01 PM
peace-maximizer8$25.00$25.0011/29/2010 3:25:23 PM
careful-note$100.00$100.0011/29/2010 3:15:05 PM
wayman$50.00$50.0011/29/2010 3:27:25 PM
Headhunter14$25.00$25.0011/29/2010 3:29:24 PM
rudyindc$25.00$25.0011/29/2010 3:29:55 PM
reflective-rupee$250.00$250.0011/29/2010 3:31:17 PM
organized-payment6$50.00$50.0011/29/2010 3:27:10 PM
community-seahorse0$25.00$25.0011/29/2010 3:27:17 PM
TeaHouseFinance$25.00$25.0011/29/2010 5:15:27 PM
Artist_Blue$25.00$25.0011/29/2010 3:31:57 PM
GElender$75.00$75.0011/29/2010 3:34:06 PM
gavinfh$25.00$25.0011/30/2010 5:53:24 AM
coin-investor$25.00$25.0011/30/2010 7:11:57 AM
astute-investment5$25.00$25.0011/30/2010 9:33:29 AM
melodious-fairness$50.00$50.0011/30/2010 10:48:53 AM
competent-p2p$25.00$25.0011/30/2010 11:14:43 AM
rss197$25.00$25.0011/30/2010 9:12:57 AM
p2p-rider7$50.00$50.0011/30/2010 10:18:30 AM
the-silver-blaster$50.00$50.0011/30/2010 2:27:59 PM
handshake5$100.00$100.0011/30/2010 3:14:25 PM
income-vault6$25.00$25.0011/30/2010 3:14:46 PM
goodfaithAK$50.00$50.0011/30/2010 3:15:34 PM
investment-comet$25.00$25.0011/30/2010 3:33:07 PM
the-profit-oracle$25.00$25.0011/30/2010 2:28:33 PM
comet55$25.00$25.0011/30/2010 4:45:39 PM
GeorgiaGator$40.00$40.0011/30/2010 5:06:05 PM
greenback-maniac$25.00$25.0011/30/2010 8:34:58 PM
graceful-investment$100.00$100.0011/30/2010 10:59:44 PM
MedLend$50.00$50.0011/30/2010 10:59:50 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:42:49 PM
loyalist1$100.00$100.0011/30/2010 10:58:45 PM
the-debt-fluffy-bunny$25.00$25.0011/30/2010 10:59:59 PM
DalCowboys$25.00$25.0011/30/2010 6:36:23 PM
generous-deal6$50.00$50.0012/1/2010 2:58:06 AM
valiant-liberty4$25.00$25.0012/1/2010 3:16:42 AM
Anny-Disco$50.00$50.0012/1/2010 3:39:57 AM
Bank42$35.49$35.4912/1/2010 7:39:47 AM
first-upright-payout$25.00$25.0012/1/2010 7:40:09 AM
open-dough6$43.28$43.2812/1/2010 7:51:23 AM
bazaar-utensil7$43.28$43.2812/1/2010 9:23:25 AM
pythia$25.00$25.0012/1/2010 11:58:39 AM
dollardave$100.00$100.0012/1/2010 10:17:40 AM
nybanker85$33.27$25.1012/1/2010 1:31:32 PM
integrity-palm9$33.39$33.3912/1/2010 6:46:20 PM
roadster199$25.00$25.0012/1/2010 6:44:20 PM
the-capital-shooter$171.00$171.0012/1/2010 9:06:09 PM
Gr8rGood$25.00$25.0012/2/2010 12:43:41 PM
nolahelper$25.00$25.0012/2/2010 7:25:02 AM
silver-breeze3$30.75$30.7512/2/2010 3:33:06 PM
newest-funds-powerplant$25.00$25.0012/2/2010 8:46:28 PM
leverage-monger$25.00$25.0012/3/2010 6:41:41 AM
engaging-worth$25.00$25.0012/2/2010 5:34:58 PM
Ven58$25.00$25.0012/3/2010 12:54:34 AM
grampy48$40.00$40.0012/3/2010 7:39:03 AM
calbertrand$25.00$25.0012/3/2010 12:50:20 PM
cordial-funds8$25.00$25.0012/3/2010 12:55:34 PM
vineet$25.00$25.0012/3/2010 1:41:05 PM
secureincome$2,000.00$2,000.0012/3/2010 5:08:29 PM
greenback-guard$25.00$25.0012/3/2010 5:28:55 PM
dime-explosion$50.00$50.0012/3/2010 3:27:46 PM
Flreap$25.00$25.0012/4/2010 9:59:42 AM
chameleon125$25.00$25.0012/4/2010 10:40:48 AM
Lo0se_mo0se$25.00$25.0012/4/2010 6:12:15 AM
Terapin0511$27.67$27.6712/3/2010 7:59:36 PM
mpatrick$25.00$25.0012/4/2010 10:33:08 AM
thankful-nickel2$25.00$25.0012/4/2010 7:17:29 PM
diverse-transparency$25.00$25.0012/4/2010 11:12:13 AM
bxdoc$40.00$40.0012/4/2010 3:29:29 PM
lazyeye$25.00$25.0012/6/2010 7:15:32 AM
Ambassador$28.00$28.0012/5/2010 6:26:07 AM
outofoffice$50.00$50.0012/6/2010 7:39:07 AM
CSinvestments$25.00$25.0012/5/2010 10:05:01 AM
Dollars4Rent$25.00$25.0012/5/2010 11:32:22 AM
payout-alien6$25.00$25.0012/6/2010 10:54:53 AM
Techne_Funds_LLC$25.00$25.0012/5/2010 3:56:22 PM
Washington_Loan$25.00$25.0012/5/2010 4:41:34 PM
Astyanax$50.00$50.0012/6/2010 12:06:55 PM
balance-chestnut$62.50$62.5012/6/2010 12:19:14 PM
broker558$25.00$25.0012/6/2010 2:20:48 PM
BxRealtor$25.00$25.0012/6/2010 1:14:11 PM
tech310$50.00$50.0011/29/2010 2:57:03 PM
simplelender80$250.00$250.0011/29/2010 3:04:04 PM
jazzlender$25.00$25.0011/29/2010 3:02:00 PM
finance_mba$25.00$25.0011/29/2010 3:06:39 PM
platinum-celebration4$25.00$25.0011/29/2010 3:06:57 PM
skuba$25.00$25.0011/29/2010 3:07:32 PM
Webpreneur$50.00$50.0011/29/2010 3:17:20 PM
kulender$100.00$100.0011/29/2010 3:05:15 PM
LiveNow$25.00$25.0011/29/2010 3:21:33 PM
bid-czar8$100.00$100.0011/29/2010 3:22:20 PM
MrBailey$25.00$25.0011/29/2010 3:24:55 PM
Pulchritudinous$25.00$25.0011/29/2010 3:14:38 PM
Mariner3605$100.00$100.0011/29/2010 3:18:22 PM
radforj22$25.00$25.0011/29/2010 3:18:40 PM
cablenews$50.00$50.0011/29/2010 3:19:27 PM
the-bright-velocity$25.00$25.0011/29/2010 3:34:48 PM
money-bauble$25.00$25.0011/29/2010 3:32:50 PM
bonafide-cash$50.00$50.0011/29/2010 3:28:18 PM
the-enterprising-leverage$25.00$25.0011/29/2010 3:29:01 PM
gain-gourd$100.00$100.0011/29/2010 3:31:26 PM
JustMee$25.00$25.0011/29/2010 5:45:13 PM
economy-beast$50.00$50.0011/29/2010 4:49:57 PM
stuy1998$30.00$30.0011/30/2010 7:07:57 AM
zebra806$28.70$28.7011/30/2010 9:12:39 AM
direct-liberty819$50.00$50.0011/30/2010 10:31:32 AM
RationalWorld$25.00$25.0011/30/2010 7:12:37 AM
Hola_James$40.00$40.0011/30/2010 12:30:57 PM
gold-conga$25.00$25.0011/30/2010 1:53:23 PM
smart-gold$25.00$25.0011/30/2010 10:51:01 AM
Sol_Invictus$25.00$25.0011/30/2010 1:52:45 PM
velocity-solo$25.00$25.0011/30/2010 2:47:52 PM
108lender$30.00$30.0011/30/2010 3:12:01 PM
maximizer$25.00$25.0011/30/2010 3:13:54 PM
tsui517$25.00$25.0011/30/2010 3:14:02 PM
efficient-treasure0$25.00$25.0011/30/2010 3:15:05 PM
rvirk$50.00$50.0011/30/2010 3:17:28 PM
SajDiddy$75.00$75.0011/30/2010 4:55:07 PM
worthy-bid8$50.00$50.0011/30/2010 3:11:47 PM
objective-investor$36.39$36.3911/30/2010 3:12:02 PM
MarinLoans$25.00$25.0011/30/2010 7:37:48 PM
yield-enlistment$25.00$25.0011/30/2010 3:13:55 PM
hitsman$100.00$100.0011/30/2010 3:14:56 PM
Approved1234$25.00$25.0011/30/2010 3:15:18 PM
selector568$300.00$300.0011/30/2010 10:57:41 PM
commerce-yeller$25.00$25.0011/30/2010 10:53:03 PM
natural-affluence4$25.00$25.0011/30/2010 4:07:18 PM
blue-relay$25.00$25.0011/30/2010 6:45:53 PM
native68$50.00$50.0011/30/2010 8:25:00 PM
ASR3$25.00$25.0012/1/2010 4:30:16 AM
riproaringrapids$25.00$25.0012/1/2010 2:36:35 AM
raisingophelia$25.00$25.0012/1/2010 7:51:26 AM
dcap3$25.00$25.0012/1/2010 5:43:56 AM
money-shrine$100.00$100.0012/1/2010 10:08:54 AM
rbotterbLLC$25.00$25.0012/1/2010 1:31:14 PM
fund-javelin1$25.00$25.0012/1/2010 2:57:54 PM
Bank_Of_XL$50.00$50.0012/1/2010 4:21:01 PM
nilonc1$100.00$100.0012/1/2010 5:50:31 PM
totoro$25.00$25.0012/2/2010 12:53:26 AM
TheJunker$25.00$25.0012/2/2010 9:51:40 AM
fair_rates$25.00$25.0012/3/2010 2:34:50 AM
ttnk62918$25.00$25.0012/3/2010 12:03:40 PM
wwwUniversal$25.00$25.0012/3/2010 7:14:32 AM
Shamrock731$25.00$25.0012/3/2010 10:09:35 AM
Bank_of_E-Ville$25.55$25.5512/3/2010 1:05:50 PM
hoffspot$25.00$25.0012/3/2010 6:28:01 PM
honey-money$25.00$25.0012/3/2010 7:33:08 PM
mgking007$25.00$25.0012/3/2010 11:11:05 PM
Flreap$25.00$25.0012/4/2010 10:05:25 AM
rdrloan$50.00$50.0012/4/2010 2:19:02 PM
benefit-trident$25.00$25.0012/4/2010 8:47:55 AM
bullwink27$25.00$25.0012/4/2010 5:11:33 PM
Whitewater_Loans$25.00$25.0012/4/2010 9:49:31 AM
2Below$25.00$25.0012/4/2010 11:08:05 AM
primed$25.00$25.0012/5/2010 8:37:35 AM
jcw3rd$25.00$25.0012/5/2010 5:07:23 AM
nickel-hickory$100.00$100.0012/5/2010 2:46:47 PM
wampum-chorus3$28.58$28.5812/4/2010 2:55:49 PM
starry2001$25.00$25.0012/5/2010 11:42:43 AM
rautility$25.00$25.0012/4/2010 7:27:27 PM
tomdooley12520$25.00$25.0012/5/2010 8:00:43 PM
upperdeck$25.00$25.0012/5/2010 9:08:34 AM
Steveoo1$50.00$50.0012/5/2010 9:29:23 PM
LindaRicci$25.00$25.0012/6/2010 10:01:06 AM
triumph329$30.32$30.3212/6/2010 8:00:54 AM
integrity-broker$25.00$25.0012/5/2010 6:03:53 PM
mcs99$50.00$50.0012/6/2010 10:45:32 AM
smalltown_mn$25.00$25.0012/6/2010 10:49:11 AM
investment-cluster$25.00$25.0012/6/2010 2:38:30 PM
186 bids
 
Borrower Payment Dependent Notes Series 486411
This series of Notes was issued and sold upon the funding of the borrower loan #45893, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Dec-02-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $97.58
Final lender yield: 8.35% Final borrower rate/APR: 9.35% / 11.45% Final monthly payment: $95.89
 
Auction yield range: 3.57% - 9.55% Estimated loss impact: 3.27%  
Lender servicing fee: 1.00% Estimated return: 5.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-1968 Debt/Income ratio: 11%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 15Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,030 
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: zztopdog Borrower's state: Missouri Borrower's group: Renewed Financial Horizons
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 37 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
760-779 (Jun-2010)
760-779 (Nov-2009)
660-679 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
New driveway for my fixer upper
Purpose of loan:
This loan will be used to?
replace the driveway of the house I bought this summer, in which I reside.
My financial situation:
I am a good candidate for this loan because?this is my third
prosper loan and I have a good Ford pension + S.S.? and I keep my loans small.

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)
Aberdeen$999.99$999.9912/2/2010 4:44:46 PM
cashhelp$30.00$30.0012/2/2010 4:45:10 PM
selector568$300.00$93.9612/2/2010 4:54:19 PM
BankofRa$25.00$25.0012/2/2010 6:20:43 PM
RainMakers$25.00$25.0012/2/2010 5:45:36 PM
setUup$50.00$50.0012/3/2010 2:58:43 AM
wwwUniversal$25.00$25.0012/2/2010 4:46:43 PM
cwegert$41.27$41.2712/3/2010 10:03:44 AM
lendstats_com$400.00$400.0012/3/2010 12:33:36 PM
outofoffice$50.00$50.0012/3/2010 10:10:22 AM
FundMaker$25.00$25.0012/3/2010 4:53:49 PM
hidavehi$26.00$26.0012/3/2010 9:36:28 PM
JGuide$26.99$26.9912/3/2010 11:16:08 PM
CA_Lender$25.00$25.0012/3/2010 6:15:58 PM
Planecourage$25.00$25.0012/4/2010 12:42:38 PM
goal-benefit2$50.00$50.0012/4/2010 10:14:52 PM
lucrative-durability$25.00$25.0012/6/2010 9:48:49 AM
ingenious-order783$25.00$25.0012/6/2010 10:48:44 AM
dma1206$25.00$25.0012/2/2010 4:45:13 PM
exchange-squirrel$25.00$25.0012/3/2010 2:25:08 AM
MoneyForNothing$102.37$102.3712/3/2010 7:27:42 AM
cwegert$25.00$25.0012/3/2010 10:02:29 AM
freefly67$29.42$29.4212/3/2010 1:51:09 PM
Scotcha$50.00$50.0012/3/2010 5:36:50 PM
chameleon125$50.00$50.0012/4/2010 11:27:50 AM
thankful-nickel2$25.00$25.0012/4/2010 7:02:28 PM
JerryB96$25.00$25.0012/4/2010 7:49:53 AM
rmpedi33$50.00$50.0012/4/2010 8:19:03 AM
calimanusa$25.00$25.0012/4/2010 4:20:46 PM
exchange-squirrel$25.00$25.0012/4/2010 11:21:12 PM
loanman2007$200.00$200.0012/5/2010 6:24:58 AM
Rearden_Steel$25.00$25.0012/6/2010 9:39:59 AM
sadhikari$25.00$25.0012/5/2010 6:43:50 PM
grasscutter$100.00$100.0012/6/2010 9:41:54 AM
run_dmc$100.00$100.0012/6/2010 10:15:31 AM
Nazbuster$100.00$100.0012/6/2010 11:28:00 AM
jehopper5$25.00$25.0012/6/2010 8:35:58 AM
37 bids
 
Borrower Payment Dependent Notes Series 486631
This series of Notes was issued and sold upon the funding of the borrower loan #45988, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-03-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $180.94
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2001 Debt/Income ratio: 10%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,726Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: exchanger383 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
Please help me out
This is harder than i expected. Please investors i really needs this loan to cover my cost for the wedding, I will not let you down.i promise i will pay this loan back on time with no delays i kindly ask you to just give me a chance. I never missed a payment in years and i know i can afford the monthly payment. I can provide to prosper any documents to show my proof of income.
Purpose of loan: This loan will help me cover the remaining balance I need to pay for my upcoming wedding. I ask you to trust me and i will promise that i will repay by making my monthly payments on time without any delay.Thank You very much

If you are reading this and want to help to contribute to my loan for my upcoming wedding please don?t hesitate to ask questions. I can only give you my word to you guys online that I will pay the loan back on time and all the investors will get their share. I worked hard to keep my credit score high and I promise all of you that paying this loan will be my first priority. So please don?t hesitate to bid on my loan. My self and my future wife could easy afford pay this loan back after we get married, because of the amount of people we have at our wedding we are looking at 20-25k returned. You probably ask your self how you came up with that number. We went to lots of wedding at our church to our friends and family and now they will return the favor to us and that will pretty much pay for total cost for weeding and profit.

First of all I would like to thank everyone that bid on my loan but unfortunately it was not enough this either to have my loan funded 100% Let?s make it happen third time around please!!! .I believe I?m a great borrow because I have a low Dti ratio and I been making all my payments on time for the past couple years without any late payment and i do not have any credit card debt. In the past I was very irresponsible about my credit I was not educated how credit worked .But now I learned from my mistakes and I realize that credit is one of the most important think in life and I been showing that my mistake was corrected,

My financial situation:
I have a very stable job. I work in the medical field as a pharmacist tech for a company that has been in business more then 30 years. I work for a long term pharmacy we supply all the nursing home with medications 365/24 for approximate 8000 patient on a daily basis.

Monthly net income:3120 $ (3-5% raise to be applied at the end of the month)

Monthly expenses:
Housing: $ 0 (no mortgage fully owned)
Insurance: $ 70
Car expenses: $ 150
Utilities: $ 30/month
Phone, cable, internet: $ 30
Food, entertainment: $ 150
Clothing, household expenses $ 50
Credit cards and other loans: $50
Other expenses: $ 50
Student loans payment: $110/month
Missionary work sponsor: $50/month
Information in the Description is not verified.
Friends And Family Winning Bids
flower77867 has bid a total of $200.00 in winning bids.
1 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
Q: Your HR credit is a concern, but I am bidding on YOU. I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You
A: Thank you for bidding.I promise to make my payments on time with no delay.I just hope to get the chance to prove that.Thanks once again (Dec-09-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Redmond$25.00$25.0012/3/2010 2:25:41 PM
graceful-investment$100.00$100.0012/3/2010 2:15:43 PM
Kash2010lu$50.00$50.0012/3/2010 4:23:54 PM
alexgalt$50.00$50.0012/3/2010 4:25:51 PM
flower77867$200.00$200.0012/3/2010 4:13:20 PM
Diamond_Jim$25.00$25.0012/4/2010 2:40:07 AM
visionary-currency$25.00$25.0012/4/2010 2:59:06 PM
Finestra1972$25.00$25.0012/5/2010 12:23:37 PM
TrustinOthers$25.00$25.0012/5/2010 9:03:11 PM
impala6464$75.00$75.0012/5/2010 8:10:16 PM
WorldlyWorker$25.00$25.0012/5/2010 9:03:13 PM
banker65010$25.00$25.0012/6/2010 2:48:46 PM
ASR3$25.00$25.0012/6/2010 3:23:45 PM
worthy-bid8$25.00$25.0012/6/2010 3:25:38 PM
kulender$50.00$50.0012/6/2010 3:27:34 PM
macbeck22$25.00$25.0012/6/2010 3:04:24 PM
SolarMoonshine$50.00$50.0012/6/2010 5:42:49 PM
independent-silver9$62.39$62.3912/7/2010 2:40:29 PM
rustysailor$30.00$30.0012/7/2010 10:57:01 AM
well-mannered-income3$40.00$40.0012/7/2010 3:10:17 PM
Starfin-Capital-Management$40.50$40.5012/9/2010 5:00:16 AM
dfl$50.00$50.0012/9/2010 6:34:05 AM
finance-prescription$50.00$32.3212/8/2010 3:47:58 PM
I-Believe-In-You$25.00$25.0012/9/2010 1:39:43 PM
Rogelio48$25.00$25.0012/9/2010 12:17:39 PM
jes5199$25.00$25.0012/9/2010 4:11:22 PM
alexgalt$25.00$25.0012/10/2010 12:40:33 AM
mcgovern2024$50.00$50.0012/10/2010 7:50:16 AM
EretzCapital$50.00$50.0012/10/2010 10:29:27 AM
california5andime$25.00$25.0012/10/2010 10:53:37 AM
MilitaryLending$25.00$25.0012/10/2010 5:11:40 AM
EJ217$25.00$25.0012/10/2010 12:11:10 PM
Zoomzoom22$100.00$100.0012/10/2010 8:16:04 AM
unger$100.00$100.0012/9/2010 7:26:03 PM
himanshuko$30.00$30.0012/10/2010 8:56:53 AM
realtormoises$25.00$25.0012/10/2010 10:08:05 AM
gristle_mcthornbody$25.00$25.0012/10/2010 10:51:53 AM
bst$40.00$40.0012/10/2010 12:00:37 PM
economy-popcorn$25.00$25.0012/10/2010 5:09:55 AM
Nasdaq$25.00$25.0012/10/2010 6:20:47 AM
Zachilles$25.00$25.0012/10/2010 8:11:13 AM
ColoradoLender82$25.00$25.0012/10/2010 10:13:56 AM
Decent$111.87$111.8712/10/2010 10:17:15 AM
entertaining-greenback2$25.00$25.0012/10/2010 1:21:10 PM
tech310$25.00$25.0012/3/2010 4:49:55 PM
money-bauble$100.00$100.0012/3/2010 2:16:21 PM
forthright-dedication$25.00$25.0012/3/2010 3:55:59 PM
Artist_Blue$25.00$25.0012/3/2010 2:24:43 PM
zone6$100.00$100.0012/4/2010 2:34:42 AM
jamiee73$25.00$25.0012/4/2010 5:23:06 PM
reflective-rupee$200.00$200.0012/4/2010 9:49:10 PM
ore-armada$50.00$50.0012/6/2010 3:51:43 AM
jwsun90$200.00$200.0012/5/2010 6:45:44 PM
loanman2007$50.00$50.0012/6/2010 6:20:31 AM
Gibbyland$50.00$50.0012/6/2010 3:38:55 PM
hopeful-truth5$100.00$100.0012/6/2010 4:13:13 PM
rakey$25.00$25.0012/6/2010 7:05:42 PM
yeti888$25.00$25.0012/6/2010 7:06:25 PM
shmb6508$100.00$100.0012/7/2010 10:52:47 AM
painterflipper$59.92$59.9212/8/2010 1:57:41 AM
paytonbrigadier$150.00$150.0012/7/2010 5:55:04 PM
penny-plato$25.00$25.0012/8/2010 6:57:26 PM
shrewd-income$50.00$50.0012/9/2010 12:46:07 PM
daekpon$25.00$25.0012/9/2010 5:07:28 PM
Rip128$30.00$30.0012/10/2010 6:26:42 AM
Leshan$50.00$50.0012/10/2010 6:57:33 AM
goodhearted-finance2$25.00$25.0012/9/2010 7:17:03 PM
ddoneday$30.00$30.0012/10/2010 8:49:31 AM
ZOOOM$25.00$25.0012/10/2010 9:50:59 AM
montegomm$63.00$63.0012/10/2010 10:18:16 AM
dudebrah$25.00$25.0012/10/2010 12:25:50 PM
friendinmoney$25.00$25.0012/10/2010 7:59:45 AM
wealth-multiplier$25.00$25.0012/10/2010 1:48:39 PM
blue-silver-ruler$25.00$25.0012/10/2010 11:22:20 AM
mammalian4$50.00$50.0012/10/2010 11:41:11 AM
aquistoyraul$25.00$25.0012/10/2010 1:09:20 PM
currency-laser6$25.00$25.0012/10/2010 5:53:12 AM
friendinmoney$25.00$25.0012/10/2010 1:51:44 PM
daddysgotya$50.00$50.0012/10/2010 9:13:06 AM
JayIsABear$60.00$60.0012/10/2010 10:59:06 AM
catb$50.00$50.0012/10/2010 11:43:45 AM
Leopoldine$25.00$25.0012/10/2010 11:54:52 AM
pellet$45.00$45.0012/10/2010 1:47:12 PM
83 bids
 
Borrower Payment Dependent Notes Series 486651
This series of Notes was issued and sold upon the funding of the borrower loan #45964, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $152.49
Final lender yield: 10.00% Final borrower rate/APR: 11.00% / 13.12% Final monthly payment: $147.32
 
Auction yield range: 5.57% - 12.40% Estimated loss impact: 5.11%  
Lender servicing fee: 1.00% Estimated return: 4.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1983 Debt/Income ratio: 10%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,480Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: dr-ferret Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 47 ( 100% ) 820-839 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2010)
760-779 (Feb-2008)
780-799 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 47  
Description
Training / Certification Licenses
Purpose of loan:
This loan will be used to fund certification and training programs to continue my journey to become a licensed official for the American Driving Society (ADS), which is the overseeing organization for horse and carriage driving competitions.? Thank you to Prosper Lenders for giving me a successful start for the learner program and allowing me to do the training and travel needed for the learner program and successfully achieving my first apprentice licenses as a Combined Driving Technical Delegate and a Pleasure Driving Technical Delegate.?Without Prosper I could not have achieved this first milestone!? ?I would now like to?continue through the ADS program to obtain my final licenses and certifications, which will allow me to earn supplementary income as a horse carriage driving official.

My financial situation:
I am a good candidate for this loan because I have already taken out and successfully paid off two?Prosper Loans with no delinquencies or problems.? These two loans funded the first phases of my training, and I am grateful!??I have had zero delinquencies on anything in the past five years.? I can also earn additional money by teaching summer school.

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: Are you tenured? Would you please explain the deliquencies in your credit history. Thanks. - setUup
A: Yes, I am a tenured professor at a four-year university. There is no fear of job loss. Delinquencies in credit history happened six years ago when my husband, primary income earner, lost his job. Since the time that my husband found part-time employment five years ago, we have had zero delinquencies. Thank you for your interest and allowing me the opportunity to explain further. (Dec-07-2010)
Q: working with horses is a lost art. By having a licenses dose that mean you can teach your trade? - USFoundation
A: Yes, I can teach my trade, which is the best part! With my first Prosper loans I was able to achieve first level licensing, and I am already teaching at various clinics and workshops for beginners. I am requesting the final level licenses so not only can I work at competitions as a licensed official, but I can also "teach the trade" at all levels (from training level all the way to advanced level carriage driving). Working with carriage drivers and their horses is a joy. (Dec-07-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
first-serene-credit$25.00$25.0012/6/2010 4:50:22 PM
thankful-nickel2$25.00$25.0012/6/2010 6:05:38 PM
investment-artist$50.00$50.0012/7/2010 3:20:15 PM
FundMaker$25.00$25.0012/7/2010 7:10:29 PM
Stravage$25.00$25.0012/8/2010 3:19:32 AM
reflective-rupee$25.00$25.0012/8/2010 10:12:06 AM
loanman2007$100.00$100.0012/9/2010 3:54:30 AM
bughead$25.00$25.0012/8/2010 9:51:43 PM
CincyTex$50.00$50.0012/9/2010 12:31:25 PM
IrrationalPi$25.00$25.0012/9/2010 6:47:43 AM
gothampark$25.00$25.0012/9/2010 9:16:51 PM
Schwamie$269.54$269.5412/10/2010 7:52:43 AM
Chesterite$250.00$250.0012/9/2010 8:35:18 PM
himanshuko$27.50$27.5012/10/2010 8:52:35 AM
mammalian4$50.00$50.0012/10/2010 11:49:19 AM
Catz_aplenty$30.00$30.0012/10/2010 6:25:34 AM
Flying_Tilapia$25.00$25.0012/9/2010 9:55:34 PM
Jinja$25.00$25.0012/10/2010 2:44:45 PM
RainMakers$25.00$25.0012/10/2010 1:21:19 PM
wlm3012$25.00$25.0012/10/2010 4:08:18 PM
PalmerTheEmbalmer$25.00$25.0012/11/2010 11:23:19 AM
ZLyons$25.00$25.0012/11/2010 8:31:34 PM
LD4LIFE$50.00$50.0012/11/2010 10:57:08 AM
LittleMingo$35.72$35.7212/11/2010 2:45:56 AM
mex_invests$25.00$25.0012/11/2010 7:25:09 AM
cash-tent$50.00$50.0012/12/2010 11:24:42 AM
rmpedi33$50.00$47.2912/11/2010 10:45:24 AM
JCM_MN$50.00$50.0012/12/2010 11:14:00 AM
charb57$50.00$50.0012/11/2010 6:17:29 PM
WeR5A$25.00$25.0012/12/2010 1:16:00 AM
EscapeArtist$100.00$100.0012/12/2010 6:47:31 PM
gristle_mcthornbody$25.00$25.0012/12/2010 8:15:20 AM
BrighterSuns$25.00$25.0012/12/2010 11:45:11 AM
Whitewater_Loans$28.98$28.9812/13/2010 5:22:22 AM
peace-sitar0$100.00$100.0012/12/2010 9:41:38 PM
radiant-return$49.00$49.0012/13/2010 9:51:04 AM
MightyZep$25.13$25.1312/13/2010 12:35:00 AM
niq4soccer$25.00$25.0012/13/2010 5:51:58 AM
skaught$25.00$25.0012/13/2010 9:43:32 AM
unafraid-loan5$25.00$25.0012/13/2010 10:30:18 AM
HolJenks$25.00$25.0012/13/2010 6:56:49 AM
details$50.00$50.0012/13/2010 12:48:39 PM
Trapman13$50.00$50.0012/13/2010 1:17:51 PM
MoneyForNothing$188.10$188.1012/13/2010 1:35:46 PM
Littlepeng$50.00$50.0012/13/2010 10:09:56 AM
steady-funds3$25.00$25.0012/13/2010 11:14:46 AM
velocity-winner$25.00$25.0012/13/2010 11:29:20 AM
Astyanax$50.00$50.0012/13/2010 12:03:15 PM
bold-enriching-capital$30.26$30.2612/13/2010 1:26:27 PM
jlathem$25.00$25.0012/13/2010 2:10:54 PM
p2ploan-sensation211$50.00$50.0012/13/2010 3:41:46 PM
cashhelp$50.00$50.0012/11/2010 4:29:50 AM
USFoundation$25.00$25.0012/6/2010 4:06:09 PM
cashhelp$30.00$30.0012/6/2010 7:28:28 PM
interstellar$50.00$50.0012/6/2010 5:01:47 PM
setUup$100.00$100.0012/7/2010 5:31:44 AM
Scotcha$50.00$50.0012/6/2010 8:44:15 PM
the-serene-transaction$27.52$27.5212/7/2010 11:31:46 AM
WorkingTA$25.00$25.0012/8/2010 2:15:44 PM
gpuck$50.00$50.0012/8/2010 5:25:39 PM
The-Lighthouse-Group$25.00$25.0012/9/2010 6:33:39 AM
tacologic$25.00$25.0012/9/2010 7:24:17 AM
JGuide$50.08$50.0812/9/2010 1:27:41 PM
halothane_logic$25.00$25.0012/9/2010 9:32:45 AM
4Horseman$50.00$50.0012/9/2010 4:16:06 PM
deal-dojo$100.00$100.0012/9/2010 11:05:51 AM
Soulphoniks-Holdings$42.01$42.0112/9/2010 12:39:22 PM
economy-popcorn$25.00$25.0012/10/2010 10:15:56 AM
keichi03$30.00$30.0012/10/2010 11:09:48 AM
Johnab$25.00$25.0012/10/2010 12:22:18 PM
Jinja$25.00$25.0012/10/2010 2:44:24 PM
BHP12345$25.00$25.0012/10/2010 11:54:44 AM
Barrayaran$25.00$25.0012/10/2010 2:25:13 PM
bentonlending$50.00$50.0012/10/2010 5:17:24 PM
ballz694$25.00$25.0012/10/2010 9:40:05 PM
vigorous-moola$36.00$36.0012/11/2010 10:16:21 AM
psteveo$25.82$25.8212/12/2010 10:54:27 AM
SteadyOne$25.00$25.0012/11/2010 11:36:45 AM
bearclan$25.00$25.0012/12/2010 2:19:43 PM
vutah$100.00$100.0012/12/2010 12:28:37 PM
Cluvnupe06$60.00$60.0012/13/2010 7:19:29 AM
tolerant-dinero2$100.00$100.0012/13/2010 7:53:03 AM
LeoBUSIIT$25.00$25.0012/13/2010 8:08:30 AM
dudebrah$25.00$25.0012/13/2010 1:21:04 AM
exact-peso2$25.00$25.0012/13/2010 6:03:37 AM
myduck$50.00$50.0012/13/2010 6:19:53 AM
bonus-quark4$27.70$27.7012/13/2010 7:33:16 AM
benefit-trident$25.00$25.0012/12/2010 3:32:51 PM
BlueSharp$80.00$80.0012/12/2010 6:06:42 PM
iamdoug$25.00$25.0012/12/2010 6:50:22 PM
mclean_loaner$50.00$50.0012/12/2010 8:52:28 PM
availableloan$25.00$25.0012/13/2010 1:10:13 PM
grampy48$25.00$25.0012/13/2010 1:50:10 PM
ChoiceInvestments$26.00$26.0012/13/2010 2:32:46 PM
DoctorJoe$25.00$25.0012/13/2010 5:08:44 AM
bunnybear$31.77$31.7712/13/2010 2:35:06 PM
payout-detective7$101.58$101.5812/13/2010 2:52:48 PM
ScottCapital$25.00$25.0012/13/2010 12:22:16 PM
asset-refuge5$25.00$25.0012/13/2010 2:04:36 PM
market-pudding$25.00$25.0012/13/2010 2:16:13 PM
reflective-rupee$25.00$25.0012/13/2010 3:09:00 PM
101 bids
 
Borrower Payment Dependent Notes Series 486797
This series of Notes was issued and sold upon the funding of the borrower loan #45987, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 26.82% Starting monthly payment: $37.68
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 26.82% Final monthly payment: $37.68
 
Auction yield range: 16.57% - 20.00% Estimated loss impact: 25.13%  
Lender servicing fee: 1.00% Estimated return: -5.13%  
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: Dec-1983 Debt/Income ratio: 23%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,791Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: hallie70 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2008)
 
Principal balance: $314.64 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
purchase a new laptop computer
Purpose of loan:
This loan will be used to?Purchase a quality laptop for my? new real estate business?

My financial situation:
I am a good candidate for this loan because I have not had a late payment since 2003. At that time I became involved a a debt collection scam which ruined my credit history.? Since that time I have always met my financial obligations?

Monthly net income: $ 2600

Monthly expenses: $ 2247
??Housing: $ 931
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 141
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 550
??Other expenses: $ 75
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)
UCLA4life$25.00$25.0012/6/2010 3:47:01 PM
reflective-rupee$25.00$25.0012/8/2010 12:36:43 PM
moo916$50.00$50.0012/8/2010 10:42:18 PM
jhouman$25.00$25.0012/11/2010 7:01:53 AM
lendstats_com$200.00$200.0012/11/2010 8:49:52 PM
papaloha$200.00$128.8912/12/2010 11:57:47 PM
cash-tent$30.00$30.0012/12/2010 11:29:33 AM
chameleon125$50.00$50.0012/13/2010 6:43:39 AM
friendinmoney$25.00$25.0012/13/2010 1:30:17 PM
friendinmoney$25.00$25.0012/13/2010 3:32:58 PM
friendinmoney$25.00$25.0012/13/2010 3:45:46 PM
nilonc1$100.00$100.0012/7/2010 9:17:49 PM
supreme-hope$25.00$25.0012/8/2010 4:26:45 AM
elmo667$41.11$41.1112/11/2010 2:25:59 PM
Feyenoord$25.00$25.0012/12/2010 7:39:27 PM
cash-tent$25.00$25.0012/13/2010 2:13:56 PM
ultimate-peace$125.00$125.0012/13/2010 12:51:01 PM
bunnybear$25.00$25.0012/13/2010 2:36:09 PM
kinetic-social$25.00$25.0012/13/2010 3:44:40 PM
19 bids
 
Borrower Payment Dependent Notes Series 486805
This series of Notes was issued and sold upon the funding of the borrower loan #45969, 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:  Dec-06-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $126.53
Final lender yield: 28.00% Final borrower rate/APR: 29.00% / 32.59% Final monthly payment: $125.72
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.50%  
Lender servicing fee: 1.00% Estimated return: 16.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1987 Debt/Income ratio: 45%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,114Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: professional-asset Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
helping child with college
Purpose of loan:
This loan will be used to? help my daughter with school and pay off some debts of mine

My financial situation:
I am a good candidate for this loan because? i also have a husband to help me with my bills

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 100
??Car expenses: $ 125
??Utilities: $?0
??Phone, cable, internet: $ 140
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
economy-synapse$25.00$25.0012/6/2010 6:48:01 PM
finance-prescription$100.00$100.0012/6/2010 4:43:48 PM
bondhedger$25.00$25.0012/6/2010 7:29:19 PM
paytonbrigadier$200.00$200.0012/6/2010 11:50:53 PM
Reliance_Banker$25.00$25.0012/7/2010 1:57:13 AM
alexgalt$25.00$25.0012/6/2010 9:50:17 PM
nickel-position$25.00$25.0012/7/2010 2:16:35 PM
FoosMaster$50.00$50.0012/9/2010 3:48:15 PM
profitable-balance$25.00$25.0012/9/2010 10:27:09 PM
murspot$50.00$25.6112/10/2010 12:39:55 PM
mammalian4$50.00$50.0012/10/2010 12:05:27 PM
CC911$25.00$25.0012/10/2010 2:06:36 PM
loyalist1$50.00$50.0012/10/2010 4:31:52 PM
Free-the-usa-1776$25.00$25.0012/10/2010 9:49:11 PM
leverage-monger$25.00$25.0012/11/2010 2:40:30 PM
hellasow$25.00$25.0012/10/2010 4:54:19 PM
california5andime$25.00$25.0012/11/2010 6:59:58 PM
realtormoises$25.00$25.0012/11/2010 7:55:23 AM
phchristensen$50.00$50.0012/12/2010 10:55:36 AM
kendallv$25.00$25.0012/11/2010 1:54:58 PM
One_Lolo$25.00$25.0012/11/2010 3:48:26 PM
Bob450$25.00$25.0012/11/2010 6:34:31 PM
mckhbnpc$30.00$30.0012/12/2010 5:38:02 PM
beans53$25.00$25.0012/12/2010 6:53:58 PM
precious-coin3$25.00$25.0012/12/2010 9:28:53 AM
auction-seeker$25.00$25.0012/12/2010 12:48:03 PM
hunter700$50.00$50.0012/13/2010 12:59:34 AM
bitano$30.00$30.0012/13/2010 8:37:47 AM
ultimate-peace$300.00$300.0012/13/2010 12:48:45 PM
wild-orange$25.00$25.0012/13/2010 4:03:28 AM
income-vault6$25.00$25.0012/13/2010 11:54:37 AM
LeoBUSIIT$25.00$25.0012/13/2010 8:12:09 AM
leverage-monger$25.00$25.0012/13/2010 12:21:58 PM
wwwUniversal$25.00$25.0012/13/2010 11:53:57 AM
principal-laser$28.00$28.0012/13/2010 3:23:03 PM
simplelender80$100.00$100.0012/6/2010 4:43:18 PM
reflective-rupee$25.00$25.0012/6/2010 8:33:04 PM
Mrgiggleswic$25.00$25.0012/6/2010 5:02:02 PM
TommyTucker$25.00$25.0012/6/2010 5:18:30 PM
order-brigade$25.00$25.0012/7/2010 9:05:50 AM
musegaze$79.21$79.2112/7/2010 6:37:34 PM
tender-transaction$50.00$50.0012/8/2010 10:57:08 AM
HammerSmith$25.00$25.0012/10/2010 1:57:41 PM
dedicated-transaction796$30.29$30.2912/10/2010 8:08:01 PM
umfan123$25.00$25.0012/11/2010 1:11:05 AM
melodious-openness$31.06$31.0612/11/2010 4:47:40 AM
snoopey100$25.00$25.0012/10/2010 9:21:44 PM
hellasow$25.00$25.0012/10/2010 4:54:52 PM
nickel-demon2$100.00$100.0012/11/2010 2:59:41 PM
goodhearted-basis4$25.00$25.0012/12/2010 4:40:42 PM
ethicalhumanist$50.00$50.0012/12/2010 6:42:19 PM
loss-of-control$50.00$50.0012/12/2010 9:32:39 AM
hurricanefever$30.83$30.8312/12/2010 5:51:57 PM
b-rent$25.00$25.0012/13/2010 6:09:02 AM
vine99$40.00$40.0012/12/2010 4:37:12 PM
inspiring-reward$100.00$100.0012/13/2010 11:33:20 AM
orange-preeminant-bill$50.00$50.0012/13/2010 11:37:51 AM
moola-monger9$50.00$50.0012/13/2010 1:06:25 PM
ptclender$100.00$100.0012/13/2010 1:15:25 PM
tech310$50.00$50.0012/13/2010 11:40:38 AM
integrity-doctor$100.00$100.0012/13/2010 8:00:04 AM
income-rocker2$100.00$100.0012/13/2010 8:21:13 AM
YeoLenderSource$25.00$25.0012/13/2010 2:17:20 PM
greenback-guard$25.00$25.0012/13/2010 11:28:30 AM
Book-Mark$25.00$25.0012/13/2010 2:51:41 PM
Frosty$25.00$25.0012/13/2010 3:03:38 PM
66 bids
 
Borrower Payment Dependent Notes Series 486869
This series of Notes was issued and sold upon the funding of the borrower loan #45967, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 41.36% Final monthly payment: $45.24
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1990 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:4y 9m
Amount delinquent: $3,956 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $343Stated income:$100,000+
Delinquencies in last 7y: 21 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: jmart30702 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2010)
700-719 (Jan-2010)
720-739 (Dec-2009)
720-739 (Nov-2009)
 
Principal balance: $1,605.78 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off more credit cards
Purpose of loan:
This loan will be used to? Paying off more credit cards

My financial situation:
I am a good candidate for this loan because? I have a loan open?with prosper and paying on time for 9 months

Monthly net income: $ 6800

Monthly expenses: $
??Housing: $ 2500
??Insurance: $?75
??Car expenses: $ 400
??Utilities: $ 160
??Phone, cable, internet: $ 200
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 160
??Other expenses: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain the delinquincies shown on your listing. Please answer publicly. Thanks. - tigercat
A: I had other credit cards and in order to make a deal paying them off you have to be late with your monthly payments. I am down to one card to settle. I hope i answer your question Thanks (Dec-07-2010)
Q: Thanks for answering. I probably misunderstand, but how will borrowing $1,000 repair a $4,000 delinquency? I do appreciate that you've made on-time payments on your present Prosper loan. - tigercat
A: My credit card debt is 4000 but I could settle for 1000. 25% (Dec-07-2010)
Q: So you are honestly telling us you are trying to charge off a $4k loan for $1k and you want us to loan you $1k to do that? If you supposedly make $100k and you cannot pay $4k, then I don't see how you expect anyone to trust you loaning you money. - nfx
A: I have a propser loan which am paying now on time. (Dec-08-2010)
Q: As a follow-up to my previous question and your answer. You have a $2k prosper loan which you have paid $400 on. So you owe $1600 and you want another $1k, yet you make $100k. It doesn't add up. Having 1 Prosper loan active doesn't mean anything. - nfx
A: If you are not comfortable you don't have to be part of my loan. It is a great rate.. (Dec-08-2010)
Q: I'm trying to understand why someone who makes $100k needs small Prosper loans. If you can not answer these simple questions then you won't be getting your bids and these are easy questions and prudent for a loan. - nfx
A: Sorry I think its time for you to move on. (Dec-08-2010)
Q: Please provide 1. The total balance of the mortgage loans and any HELOC you owe on your home, and... 2. The current market value of your home? (use zillow.com if unsure) - kindness-launcher
A: Mortgage 500,000 Worth 525,000 (Dec-11-2010)
Q: what every1 is trying to get at w/ their questions is based off of your income & expenses, you should be able to bank about 2000/mo. Why do you need to borrow money at such a high rate based off of that situation? Will u be able to save $ in future - green-wampum-titan
A: I take a look at that. schedule. I wish that was true. I could use more loan but prosper people will not lead you more money because you are a risk. (Dec-13-2010)
7 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
competent-p2p$25.00$25.0012/6/2010 4:53:50 PM
reflective-rupee$200.00$200.0012/7/2010 1:50:44 PM
currency-bumblebee$25.00$25.0012/7/2010 10:12:04 AM
supreme-hope$25.00$25.0012/8/2010 4:28:30 AM
FASTIZIO_P$25.00$25.0012/11/2010 12:49:44 AM
fallentimbers$25.00$20.1812/10/2010 7:13:51 PM
gristle_mcthornbody$25.00$25.0012/12/2010 11:22:16 AM
Bob450$25.00$25.0012/11/2010 5:59:21 PM
gold-cluster$100.00$100.0012/13/2010 5:48:51 AM
tigercat$50.00$50.0012/7/2010 7:18:36 PM
novice-speculator$25.00$25.0012/8/2010 1:47:20 AM
big_balla_papi$30.00$30.0012/9/2010 2:58:33 AM
seadogs$25.00$25.0012/9/2010 10:59:28 AM
SolarMoonshine$25.00$25.0012/9/2010 5:49:33 PM
bobd32$25.00$25.0012/10/2010 12:20:41 PM
Leshan$100.00$100.0012/11/2010 1:08:49 PM
verticalhorizon$30.00$30.0012/13/2010 9:48:34 AM
bull_lender$30.00$30.0012/13/2010 11:53:51 AM
aquistoyraul$25.00$25.0012/13/2010 12:03:26 PM
ultimate-peace$100.00$100.0012/13/2010 12:47:35 PM
shrewd-income$25.00$25.0012/13/2010 1:47:56 PM
ddoneday$39.82$39.8212/13/2010 1:58:13 PM
22 bids
 
Borrower Payment Dependent Notes Series 486901
This series of Notes was issued and sold upon the funding of the borrower loan #45981, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.82% Starting monthly payment: $58.81
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 39.82% Final monthly payment: $58.81
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1999 Debt/Income ratio: 15%
Credit score: 600-619 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 6 Current / open credit lines: 4 / 5Length of status:12y 1m
Amount delinquent: $2,954 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $935Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: DJ- Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
600-619 (Nov-2009)
600-619 (Aug-2009)
540-559 (Jul-2008)
 
Principal balance: $746.42 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off Medical/DR's Charges
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: what is the delinquency? thank you - DenimCapital
A: It consist of medical providers/facilities. All submitted claims were denied/reduced by the medical insurance company. under their ,"pre-existing condition clause". (Dec-07-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DenimCapital$25.00$25.0012/7/2010 5:06:52 AM
currency-bumblebee$25.00$25.0012/7/2010 10:13:07 AM
DenimCapital$50.00$50.0012/8/2010 9:26:32 AM
nilonc1$25.00$25.0012/8/2010 2:55:35 PM
reflective-rupee$200.00$200.0012/8/2010 9:17:35 AM
MrVegas$25.00$25.0012/8/2010 3:19:11 PM
NekHoldings$25.00$25.0012/9/2010 5:09:54 AM
selector568$50.00$50.0012/8/2010 3:10:05 PM
SolarMoonshine$25.00$25.0012/8/2010 5:51:16 PM
Iceman1347$25.00$25.0012/9/2010 11:25:46 AM
bobd32$25.00$25.0012/10/2010 12:24:36 PM
rustysailor$30.00$30.0012/10/2010 1:38:54 PM
relentless-penny$25.00$25.0012/10/2010 1:07:13 PM
snm2001$25.00$25.0012/10/2010 3:54:16 PM
thankful-nickel2$25.00$25.0012/10/2010 6:13:01 PM
amor1962$25.00$25.0012/11/2010 12:42:40 PM
sweety075$25.00$25.0012/7/2010 8:47:10 PM
UCLA4life$25.00$25.0012/8/2010 6:04:32 AM
supreme-hope$25.00$25.0012/8/2010 4:31:12 AM
eboomer2611$25.00$25.0012/8/2010 9:23:41 PM
DasMula$25.00$25.0012/8/2010 10:43:53 PM
Mark-M$25.00$25.0012/9/2010 6:59:16 AM
DasMula$25.00$25.0012/8/2010 4:44:24 PM
mikeandcat$80.63$80.6312/9/2010 1:57:04 PM
gold-point$200.00$164.3712/10/2010 2:56:32 PM
Kash2010lu$50.00$50.0012/11/2010 9:14:59 AM
glroark$50.00$50.0012/11/2010 10:17:34 AM
Leshan$100.00$100.0012/11/2010 1:10:55 PM
FASTIZIO_P$25.00$25.0012/11/2010 12:49:45 AM
Bob450$25.00$25.0012/11/2010 9:45:34 AM
30 bids
 
Borrower Payment Dependent Notes Series 486999
This series of Notes was issued and sold upon the funding of the borrower loan #45972, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-08-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $144.30
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $144.30
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-2005 Debt/Income ratio: 16%
Credit score: 600-619 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Religious
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,163Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: luciana Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 600-619 (Latest)
Principal borrowed: $5,250.00< 31 days late: 1 ( 3% )  
600-619 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
2nd loan here - Debt Consolidation
I'm consolidating my credit card debts and am looking for a $3,500.00 loan.

This is my second time borrowing on Prosper. Last time I succesfully paid off (always on time) $5,250.00.

Both, my husband and I work and have steady income.

Thanks for looking at this listing and please reach out if you have any questions!
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)
impeccable-transparency$150.00$150.0012/7/2010 2:57:23 PM
Skeptical-one$31.00$31.0012/7/2010 3:10:42 PM
mt3209$25.00$25.0012/7/2010 3:11:15 PM
mercuriant$25.00$25.0012/7/2010 2:56:34 PM
finance-prescription$100.00$100.0012/7/2010 3:27:02 PM
simplelender80$100.00$100.0012/7/2010 3:26:55 PM
Thylow$100.00$100.0012/7/2010 5:14:48 PM
SolarMoonshine$100.00$100.0012/7/2010 5:25:35 PM
marinbb$25.00$25.0012/7/2010 5:43:44 PM
reflective-rupee$25.00$25.0012/7/2010 4:11:25 PM
Thylow$100.00$100.0012/7/2010 3:25:57 PM
cbivitz$333.00$333.0012/7/2010 7:42:24 PM
penny-plato$25.00$25.0012/7/2010 5:59:36 PM
Mrgiggleswic$25.00$25.0012/7/2010 3:32:17 PM
tech310$25.00$25.0012/7/2010 11:24:23 PM
wise-balanced-moola$25.00$25.0012/8/2010 3:52:14 AM
basejump0$25.00$25.0012/7/2010 8:19:33 PM
deal-hickory5$50.00$50.0012/7/2010 8:21:55 PM
B-rad_the_Coug$25.00$25.0012/7/2010 8:56:35 PM
Mr-Miracle$25.00$25.0012/8/2010 8:42:51 AM
head$25.00$25.0012/8/2010 4:35:36 AM
UCLA4life$25.00$25.0012/8/2010 6:04:16 AM
mammalian4$25.00$25.0012/7/2010 7:58:42 PM
Bcs-cnc$50.00$50.0012/8/2010 8:13:52 AM
chameleon125$50.00$50.0012/7/2010 9:35:36 PM
tomaswk$34.91$34.9112/8/2010 7:35:53 AM
secureincome$2,000.00$382.0012/7/2010 2:56:08 PM
lendstats_com$200.00$200.0012/7/2010 5:14:43 PM
selector568$150.00$150.0012/7/2010 3:30:36 PM
EngineersAlliance$100.00$100.0012/7/2010 3:31:14 PM
bondhedger$25.00$25.0012/7/2010 3:32:20 PM
investment-artist$50.00$50.0012/7/2010 3:40:08 PM
novice-speculator$25.00$25.0012/7/2010 4:18:13 PM
MoneyForNothing$44.09$44.0912/7/2010 8:34:41 PM
paytonbrigadier$50.00$50.0012/7/2010 10:16:41 PM
113121$500.00$500.0012/7/2010 5:04:01 PM
Mrgiggleswic$100.00$100.0012/8/2010 6:50:49 AM
thankful-nickel2$25.00$25.0012/7/2010 5:21:11 PM
loanman2007$200.00$200.0012/8/2010 5:24:27 AM
lender12345$25.00$25.0012/7/2010 8:17:54 PM
setUup$50.00$50.0012/7/2010 9:19:11 PM
radar_love$25.00$25.0012/8/2010 10:20:38 AM
42 bids
 
Borrower Payment Dependent Notes Series 487029
This series of Notes was issued and sold upon the funding of the borrower loan #45875, 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:  Dec-08-2010 
  Auction end date:  Dec-08-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $126.53
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $126.53
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1986 Debt/Income ratio: 49%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 24 / 9Length of status:23y 6m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,699Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: ready-truth3 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need Help with Health CoPays
Purpose of loan:
This loan will be used to?
Pay off CoPays that my Health Insurance Company didn't pay for during my back surgury
My financial situation:
I am a good candidate for this loan because?
I need this money so I will appreciate the loan and will pay it back
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 600
??Insurance: $?60
??Car expenses: $ 500
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
money-bauble$100.00$100.0012/8/2010 2:49:48 PM
Aragorn$25.00$25.0012/8/2010 2:56:54 PM
ukstevenhawaii$100.00$100.0012/8/2010 2:54:18 PM
transaction-circuit$50.00$50.0012/8/2010 2:51:12 PM
finance_mba$25.00$25.0012/8/2010 2:55:08 PM
social-heart$25.00$25.0012/8/2010 3:18:55 PM
secureincome$2,000.00$2,000.0012/8/2010 2:52:24 PM
Bank42$50.00$50.0012/8/2010 2:55:29 PM
simplelender80$100.00$100.0012/8/2010 3:00:52 PM
graceful-investment$100.00$100.0012/8/2010 2:48:15 PM
worthy-bid8$50.00$50.0012/8/2010 2:51:22 PM
Tikibarman$100.00$91.5512/8/2010 2:57:32 PM
reflective-rupee$100.00$100.0012/8/2010 2:59:17 PM
finance-prescription$50.00$50.0012/8/2010 3:01:08 PM
paytonbrigadier$108.45$108.4512/8/2010 3:10:25 PM
SolarMoonshine$25.00$25.0012/8/2010 5:29:44 PM
16 bids
 
Borrower Payment Dependent Notes Series 487189
This series of Notes was issued and sold upon the funding of the borrower loan #45973, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $305.66
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $305.66
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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: Mar-1988 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:24y 10m
Amount delinquent: $68 Total credit lines: 14 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,072Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: blue-thoughtful-investment Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
finance_mba$25.00$25.0012/8/2010 2:55:17 PM
diplomatic-wealth7$25.00$25.0012/8/2010 3:01:55 PM
ichibon$25.00$25.0012/8/2010 3:05:18 PM
symbiosis$50.00$50.0012/8/2010 3:06:35 PM
investment-comet$25.00$25.0012/8/2010 3:09:00 PM
gold-channel2$50.00$50.0012/8/2010 3:10:29 PM
simplelender80$100.00$100.0012/8/2010 3:02:28 PM
kulender$50.00$50.0012/8/2010 3:02:50 PM
asset-equilibrium0$25.00$25.0012/8/2010 9:21:46 PM
Aragorn$25.00$25.0012/8/2010 2:56:59 PM
SolarMoonshine$25.00$25.0012/8/2010 5:42:15 PM
the-dollar-topper$100.00$100.0012/8/2010 3:05:42 PM
dollar-sonnet3$50.00$50.0012/8/2010 3:10:02 PM
greenback-guard$25.00$25.0012/8/2010 9:34:43 PM
graceful-investment$33.22$33.2212/8/2010 6:01:27 PM
soulful-truth$50.00$50.0012/9/2010 8:46:05 AM
nycloan$25.00$25.0012/9/2010 3:27:16 PM
radiant-loan5$25.00$25.0012/9/2010 4:57:17 PM
fair-peace7$25.00$25.0012/9/2010 5:06:07 PM
money-bauble$25.00$25.0012/9/2010 11:26:32 AM
Gibbyland$47.71$47.7112/10/2010 9:37:39 AM
minddoc$25.00$25.0012/10/2010 1:52:15 PM
asmithj$50.00$50.0012/10/2010 1:53:28 PM
gain-gourd$100.00$100.0012/10/2010 1:53:57 PM
circuitfive$25.00$25.0012/10/2010 1:54:07 PM
burrito6$25.00$25.0012/10/2010 1:54:13 PM
missing-link$50.00$50.0012/10/2010 1:54:22 PM
Mariner3605$50.00$50.0012/10/2010 1:54:30 PM
teller$50.00$50.0012/10/2010 1:54:36 PM
dparkhom$25.00$18.0212/10/2010 1:55:36 PM
DSFinancial$50.00$50.0012/10/2010 10:48:08 AM
natural-greenback6$25.00$25.0012/10/2010 1:52:16 PM
rapid-credit428$25.00$25.0012/10/2010 1:53:03 PM
ivadood$50.00$50.0012/10/2010 1:53:29 PM
independent-silver9$25.00$25.0012/10/2010 1:54:03 PM
mketelecom$25.00$25.0012/10/2010 1:54:08 PM
astute-investment5$25.00$25.0012/10/2010 1:54:23 PM
newest-generous-income$25.00$25.0012/10/2010 1:54:27 PM
jazzlender$25.00$25.0012/10/2010 1:54:37 PM
raisingophelia$25.00$25.0012/10/2010 1:55:20 PM
108lender$25.00$25.0012/10/2010 1:26:41 PM
flexible-income9$81.22$81.2212/10/2010 1:52:06 PM
commitment-symphony9$25.00$25.0012/10/2010 1:52:52 PM
DreDub$50.00$50.0012/10/2010 1:54:11 PM
ThatDanGuy$100.00$100.0012/10/2010 1:54:21 PM
orange-preeminant-bill$42.44$42.4412/10/2010 1:54:32 PM
sweetlan$25.00$25.0012/10/2010 1:55:32 PM
thankful-nickel2$25.00$25.0012/11/2010 9:35:13 AM
buffalobills$25.00$25.0012/13/2010 8:09:36 AM
Mighty_Hunter$25.00$25.0012/13/2010 5:11:46 PM
Bank42$50.00$50.0012/8/2010 2:55:34 PM
ASR3$35.00$35.0012/8/2010 3:00:48 PM
DonaldColorado$50.00$50.0012/8/2010 3:01:26 PM
Redmond$25.00$25.0012/8/2010 3:04:39 PM
handshake5$100.00$100.0012/8/2010 3:05:06 PM
vigorous-velocity$50.00$50.0012/8/2010 3:06:49 PM
worthy-bid8$50.00$50.0012/8/2010 2:51:29 PM
leverage-trident$25.00$25.0012/8/2010 3:09:26 PM
ukstevenhawaii$100.00$100.0012/8/2010 2:54:23 PM
integrity-liberator$50.00$50.0012/8/2010 2:57:17 PM
Tikibarman$100.00$100.0012/8/2010 2:57:39 PM
Interstate_Rate$100.00$100.0012/8/2010 4:16:40 PM
reflective-rupee$100.00$100.0012/8/2010 3:14:39 PM
secureincome$2,000.00$2,000.0012/8/2010 2:52:30 PM
dollardave$32.44$32.4412/8/2010 11:52:34 PM
bid-czar8$100.00$100.0012/8/2010 3:01:45 PM
EBITDA$25.00$25.0012/9/2010 3:21:46 AM
Artist_Blue$25.00$25.0012/8/2010 3:03:46 PM
paytonbrigadier$150.00$150.0012/8/2010 3:08:08 PM
the-determined-value$50.00$50.0012/8/2010 11:24:08 PM
rmachi$25.00$25.0012/9/2010 10:31:40 AM
bulsa$100.00$100.0012/9/2010 11:00:49 AM
retired272$25.00$25.0012/9/2010 1:57:49 PM
top-historic-peso$25.00$25.0012/9/2010 4:56:56 PM
return-pumpkin7$25.00$25.0012/9/2010 6:02:41 PM
jamiee73$25.00$25.0012/9/2010 1:25:24 PM
encore06$25.00$25.0012/10/2010 7:56:47 AM
dedicated-transaction796$49.95$49.9512/9/2010 4:14:47 PM
hard-working-loot$50.00$50.0012/10/2010 1:52:22 PM
whartonmba$25.00$25.0012/10/2010 1:53:49 PM
income-sage9$25.00$25.0012/10/2010 1:54:02 PM
consummate-loyalty1$100.00$100.0012/10/2010 1:54:09 PM
new-social-economist$60.00$60.0012/10/2010 1:54:15 PM
kind-adventurous-finance$50.00$50.0012/10/2010 1:54:18 PM
bnlforever$25.00$25.0012/10/2010 1:54:31 PM
life-is-great$50.00$50.0012/10/2010 11:06:56 AM
lively-hope28$50.00$50.0012/10/2010 1:05:26 PM
scrappy-diversification7$500.00$500.0012/10/2010 7:51:30 AM
ore-seagull$40.00$40.0012/10/2010 7:57:08 AM
LiveNow$25.00$25.0012/10/2010 1:53:41 PM
unclejaef$25.00$25.0012/10/2010 1:54:05 PM
env$50.00$50.0012/10/2010 1:54:26 PM
profit-powerplant$25.00$25.0012/10/2010 1:54:34 PM
DrStaff$30.00$30.0012/10/2010 1:54:40 PM
ingenious-deal6$25.00$25.0012/10/2010 1:55:17 PM
flwah$25.00$25.0012/10/2010 1:55:34 PM
attractive-point5$50.00$50.0012/10/2010 9:10:10 AM
Rogelio48$30.00$30.0012/10/2010 9:37:49 AM
a-finance-nirvana$25.00$25.0012/10/2010 9:43:38 AM
p2p-czar3$25.00$25.0012/10/2010 1:52:21 PM
wanna-help$50.00$50.0012/10/2010 1:53:33 PM
trade-boots1$100.00$100.0012/10/2010 1:54:19 PM
FeedTheMachine$50.00$50.0012/10/2010 1:54:35 PM
Bob450$25.00$25.0012/11/2010 6:02:42 PM
104 bids
 
Borrower Payment Dependent Notes Series 487205
This series of Notes was issued and sold upon the funding of the borrower loan #45872, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.72% Starting monthly payment: $61.84
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.90% Final monthly payment: $59.64
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.39%  
Lender servicing fee: 1.00% Estimated return: 13.61%  
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): 7 First credit line: Jun-1992 Debt/Income ratio: 9%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 38 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: gain-mechanic1 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off unexpected medical bill
Purpose of loan:
Payoff unexpected medical bill not covered by insurance

My financial situation:
I have a good steady income.? I have previously repaid a Prosper loan, never late!

Monthly net income: $
5000
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)
alexgalt$50.00$50.0012/8/2010 3:00:04 PM
red-favorable-basis$25.00$25.0012/9/2010 12:39:54 AM
setUup$25.00$25.0012/8/2010 4:41:42 PM
FinanceEngine$30.00$30.0012/9/2010 4:04:19 PM
competent-p2p$25.00$25.0012/10/2010 2:01:27 PM
openness-boomerang$26.01$26.0112/10/2010 5:30:50 AM
Onlyhappycustomers$25.00$25.0012/10/2010 6:02:57 AM
PCity-LOA15$35.00$35.0012/10/2010 10:30:09 AM
hellasow$25.00$25.0012/10/2010 4:30:43 PM
hellasow$25.00$25.0012/10/2010 4:32:00 PM
hellasow$25.00$25.0012/10/2010 4:33:48 PM
AustinAmerica$25.00$25.0012/10/2010 6:03:17 PM
tech310$49.08$49.0812/11/2010 5:52:31 AM
jeffe43$50.00$50.0012/10/2010 9:25:12 PM
Bob450$25.00$25.0012/11/2010 9:49:02 AM
Scotcha$50.00$50.0012/11/2010 9:50:11 AM
EngineersAlliance$150.00$150.0012/8/2010 3:18:48 PM
SolarMoonshine$200.00$200.0012/8/2010 5:34:00 PM
dollardave$50.00$50.0012/8/2010 11:52:28 PM
reflective-rupee$200.00$149.5812/8/2010 3:05:55 PM
interstellar$50.00$50.0012/8/2010 3:10:32 PM
phase421$25.00$25.0012/9/2010 9:31:42 AM
thankful-nickel2$25.00$25.0012/8/2010 7:14:17 PM
stephen_c01$25.00$25.0012/9/2010 12:39:35 AM
IrrationalPi$25.00$25.0012/9/2010 6:49:15 AM
MoneyMover$25.00$25.0012/9/2010 6:36:52 PM
GS-ROCK$28.38$28.3812/9/2010 11:41:03 AM
loanman2007$75.00$75.0012/9/2010 12:05:31 PM
Rashanir$25.00$25.0012/10/2010 1:20:23 PM
lawyervon$25.00$25.0012/10/2010 9:36:11 AM
lucrative-loan$31.95$31.9512/10/2010 2:20:28 PM
grnii78$75.00$75.0012/10/2010 3:09:58 PM
32 bids
 
Borrower Payment Dependent Notes Series 487229
This series of Notes was issued and sold upon the funding of the borrower loan #45890, 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:  Dec-08-2010 
  Auction end date:  Dec-08-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $131.00
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $131.00
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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-2005 Debt/Income ratio: >1000%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:0y 8m
Amount delinquent: $370 Total credit lines: 8 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: engaging-camaraderi 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
Move to another house
Purpose of loan
It was a system error , so loan was canceled , but not becouse of me !!!! So please every body who invest money , im asking you?doit again , asap . Thank you for your cooperation.
Move from one house to another????

My financial situation:
I can pay this loan 100%?????

Monthly net income: $ 24.000????????????

Monthly expenses: $
??Housing: $ 360????
??Insurance: $123
??Car expenses: $?50???
??Utilities: $?50
??Phone, cable, internet: $75?????
??Food, entertainment: $ 350
??Clothing, household expenses $50?
??Credit cards and other loans: $ 125
??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)
secureincome$2,000.00$2,000.0012/8/2010 2:52:39 PM
ukstevenhawaii$100.00$100.0012/8/2010 2:54:29 PM
kulender$50.00$50.0012/8/2010 3:02:56 PM
Artist_Blue$25.00$25.0012/8/2010 3:03:36 PM
Tikibarman$100.00$100.0012/8/2010 2:57:43 PM
the-dollar-topper$100.00$90.0012/8/2010 3:05:57 PM
integrity-liberator$50.00$50.0012/8/2010 2:57:14 PM
ASR3$35.00$35.0012/8/2010 3:00:45 PM
diplomatic-wealth7$25.00$25.0012/8/2010 3:02:01 PM
DonaldColorado$50.00$50.0012/8/2010 3:01:29 PM
simplelender80$100.00$100.0012/8/2010 3:02:32 PM
Redmond$25.00$25.0012/8/2010 3:04:36 PM
worthy-bid8$50.00$50.0012/8/2010 2:51:33 PM
Bank42$50.00$50.0012/8/2010 2:55:39 PM
bid-czar8$100.00$100.0012/8/2010 3:01:50 PM
ichibon$25.00$25.0012/8/2010 3:05:20 PM
Aragorn$25.00$25.0012/8/2010 2:56:55 PM
handshake5$100.00$100.0012/8/2010 3:05:12 PM
18 bids
 
Borrower Payment Dependent Notes Series 487311
This series of Notes was issued and sold upon the funding of the borrower loan #45985, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $316.34
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-2000 Debt/Income ratio: 8%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 1 / 1Length of status:0y 4m
Amount delinquent: $3,862 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $75Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: sunnyvalekajukenbo 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
Bootstrapping Martial Arts School
Purpose of loan:
The short is: I need to bootstrap a commercial location for my Martial Arts School.? Here's why - I currently run 12 students from my garage, this garage location brings in 25.00 per student, per month.? Once in the commercial space, I will raise the tuition to 80.00/month per student.? I expect a very slow growth in the space I have chosen, but plan to be cash flow positive in 6 months.? The loan will be used specifically for mats, mirrors, deposit, very basic inventory, and advertising.

My financial situation:
While my credit did take a dive due to the housing market crash, I am on my way back up in the credit game.? I am a family man, with a wife and 2 kids, I live in an average suburban neighborhood, and have an excellent career.? My bills are much lower than my income, and I can afford to bootstrap the business without the loan, I am really looking to use this as an infusion, and to establish credit history for my business.

Monthly net income: $ 7500.00

Monthly expenses: $
??Housing: $ 1900.00
??Insurance: $ 120.00
??Car expenses: $ 450.00 (Car loan)
??Utilities: $ 175.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 30.00
??Other expenses: $ 100.00 (Gas/Auto)
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)
ASR3$35.00$35.0012/10/2010 3:12:50 PM
simplelender80$100.00$100.0012/10/2010 3:13:33 PM
handshake5$100.00$100.0012/10/2010 3:14:53 PM
ukstevenhawaii$100.00$100.0012/10/2010 3:10:59 PM
hopeful-truth5$100.00$100.0012/10/2010 3:12:22 PM
worthy-bid8$50.00$50.0012/10/2010 3:02:50 PM
bulsa$50.00$50.0012/10/2010 8:09:13 PM
EBITDA$25.00$25.0012/10/2010 3:09:13 PM
Cheburashka$25.00$25.0012/11/2010 12:30:23 AM
investment-comet$25.00$25.0012/10/2010 4:23:29 PM
Bank42$50.00$50.0012/10/2010 3:11:33 PM
orange-preeminant-bill$50.00$50.0012/11/2010 1:44:33 AM
diplomatic-wealth7$25.00$25.0012/10/2010 3:13:16 PM
gallant-economy9$56.26$56.2612/11/2010 1:54:08 AM
natural-greenback6$25.00$25.0012/11/2010 1:54:28 AM
ommcd$25.00$25.0012/11/2010 2:12:40 AM
pixeldave$50.00$50.0012/11/2010 4:12:02 AM
SDNLR$37.31$37.3112/11/2010 5:56:44 AM
treasure-bliss$50.00$50.0012/10/2010 9:57:59 PM
richboy56$25.00$25.0012/10/2010 10:08:40 PM
crawfingers$25.00$25.0012/11/2010 7:53:13 AM
return-pumpkin7$25.00$25.0012/11/2010 8:03:28 AM
graceful-investment$100.00$100.0012/10/2010 3:41:55 PM
PatRichi$25.00$25.0012/11/2010 1:27:56 AM
income-pillow$25.74$25.7412/11/2010 9:51:27 AM
wampum-launcher0$25.00$25.0012/11/2010 10:21:33 AM
a-finance-nirvana$25.00$25.0012/11/2010 1:54:47 AM
SolarMoonshine$25.00$25.0012/11/2010 11:59:09 AM
top-historic-peso$25.00$25.0012/11/2010 1:07:32 PM
newest-inspiring-power$25.00$25.0012/11/2010 1:18:09 PM
jobani$25.00$25.0012/11/2010 2:36:33 PM
minddoc$25.00$25.0012/11/2010 2:46:28 PM
AF-Chief$49.40$49.4012/11/2010 5:56:41 AM
courteous-kindness1$27.16$27.1612/11/2010 6:11:45 AM
listing-trapper3$50.00$50.0012/11/2010 4:21:42 PM
simplewareinc$50.00$50.0012/10/2010 5:34:50 PM
ferocious-camaraderi1$50.00$50.0012/11/2010 8:12:02 AM
Learning2Lend$37.52$37.5212/11/2010 8:26:29 AM
Mariner3605$25.00$25.0012/11/2010 8:26:33 PM
radiant-fund$50.00$50.0012/11/2010 10:21:35 AM
peterpossum$25.00$25.0012/11/2010 8:46:28 PM
108lender$150.00$150.0012/11/2010 12:12:29 AM
unclejaef$25.00$25.0012/11/2010 10:41:13 PM
vigorous-velocity$34.74$34.7412/11/2010 2:42:23 PM
flanative$100.00$100.0012/11/2010 3:56:33 PM
samaritan5$25.00$25.0012/11/2010 4:12:21 PM
FeedTheMachine$50.00$50.0012/11/2010 1:53:58 AM
p2ploan-charmer$25.00$25.0012/11/2010 4:16:45 PM
orange-dollar-guild$25.00$25.0012/11/2010 2:13:11 AM
IIP77$25.00$25.0012/11/2010 4:22:12 AM
13nd3r$25.00$25.0012/11/2010 5:02:13 AM
Wellman$41.54$41.5412/11/2010 6:27:06 PM
hawksfanmd$25.00$25.0012/12/2010 8:32:08 AM
sturdy-openness885$25.00$25.0012/11/2010 7:28:40 AM
Elbanko$25.00$25.0012/11/2010 7:46:51 AM
mketelecom$25.00$25.0012/11/2010 8:26:40 PM
the-dollar-topper$100.00$100.0012/11/2010 8:33:26 PM
the-determined-value$50.00$50.0012/11/2010 8:46:27 PM
ingenious-truth0$46.38$46.3812/11/2010 8:04:21 AM
Guerrilla_Man$25.00$25.0012/11/2010 8:36:28 AM
jwm$25.00$25.0012/12/2010 6:56:47 AM
dolphin2007$50.00$50.0012/12/2010 12:38:32 PM
gold-channel2$29.66$29.6612/11/2010 10:27:17 AM
asset-vibraphone$25.00$25.0012/12/2010 11:03:10 AM
britches613$25.00$25.0012/11/2010 5:12:01 PM
hayhelp$25.00$25.0012/12/2010 11:53:09 AM
coin-bee1$50.00$50.0012/12/2010 12:16:38 PM
PrivateLoaner$29.46$29.4612/11/2010 7:51:32 PM
circuitfive$25.00$25.0012/11/2010 8:26:38 PM
consummate-loyalty1$26.10$26.1012/11/2010 8:27:08 PM
nycloan$25.00$25.0012/11/2010 8:46:28 PM
missing-link$50.00$50.0012/11/2010 8:46:35 PM
life-is-great$50.00$50.0012/11/2010 8:46:39 PM
GElender$25.00$25.0012/11/2010 8:51:29 PM
Comoparklender$50.00$50.0012/11/2010 10:31:33 PM
independent-silver9$25.00$25.0012/11/2010 10:41:10 PM
abundant-credit6$25.00$25.0012/12/2010 4:29:19 AM
the-silver-blaster$50.00$50.0012/12/2010 6:56:50 AM
nalaari$25.00$25.0012/12/2010 7:09:16 AM
NR$25.00$25.0012/12/2010 7:55:59 AM
velocity-solo$25.00$25.0012/12/2010 9:38:29 AM
income-sage9$25.00$25.0012/12/2010 11:46:48 AM
building_community$25.00$25.0012/12/2010 12:41:00 PM
DonaldColorado$50.00$50.0012/10/2010 3:13:03 PM
Redmond$25.00$25.0012/10/2010 3:14:46 PM
symbiosis$50.00$50.0012/10/2010 3:15:23 PM
paytonbrigadier$300.00$300.0012/10/2010 3:16:18 PM
kulender$50.00$50.0012/10/2010 3:13:41 PM
DSFinancial$50.00$50.0012/10/2010 3:18:12 PM
wtrboy$50.00$50.0012/10/2010 10:01:56 PM
Ducatiman1978$25.00$25.0012/11/2010 12:26:11 AM
burrito6$25.00$25.0012/11/2010 1:53:49 AM
payment-gusto$25.00$25.0012/11/2010 2:12:36 AM
new-social-economist$60.00$60.0012/11/2010 2:13:01 AM
Artist_Blue$25.00$25.0012/10/2010 3:14:14 PM
banker65010$25.00$25.0012/11/2010 4:11:54 AM
gain-gourd$26.85$26.8512/10/2010 6:28:50 PM
famous-bill$25.00$25.0012/11/2010 5:03:10 AM
money-bauble$48.66$48.6612/11/2010 6:03:00 AM
asiaratt$50.00$50.0012/11/2010 6:04:07 AM
social-conductor4$25.00$25.0012/11/2010 6:06:31 AM
Interstate_Rate$100.00$100.0012/10/2010 3:16:40 PM
HeavyDriver03$25.00$25.0012/11/2010 8:11:29 AM
Sateesh$36.13$36.1312/11/2010 12:31:01 AM
ichibon$50.00$50.0012/10/2010 3:42:13 PM
reflective-rupee$25.00$25.0012/10/2010 4:03:34 PM
nicklds$25.00$25.0012/11/2010 9:32:47 AM
economy-producer$25.00$25.0012/11/2010 1:42:22 AM
shrewd-peace7$25.00$25.0012/11/2010 1:42:51 AM
inspiring-reward$150.00$150.0012/11/2010 1:55:10 AM
dedicated-transaction796$25.69$25.6912/11/2010 2:05:31 AM
MadHun$47.20$47.2012/11/2010 12:56:30 PM
bid-czar8$100.00$100.0012/10/2010 4:14:56 PM
Rogesparkguy$25.00$25.0012/11/2010 2:13:41 AM
blackstar$25.00$25.0012/11/2010 4:08:16 AM
Inquisitor06$49.85$49.8512/11/2010 1:18:19 PM
finance_mba$25.00$25.0012/11/2010 4:12:10 AM
secureincome$275.00$275.0012/10/2010 4:32:49 PM
Gibbyland$50.00$50.0012/11/2010 6:03:01 AM
jamiee73$25.00$25.0012/11/2010 4:22:09 PM
red-power-pecan$50.00$50.0012/11/2010 5:53:33 PM
SNH$100.00$100.0012/10/2010 8:09:19 PM
jazzlender$25.00$25.0012/11/2010 6:36:36 PM
Cal07$25.00$25.0012/11/2010 8:26:31 PM
ingenious-deal6$25.00$25.0012/11/2010 8:27:02 PM
DreamsDoComeTrue$41.33$41.3312/11/2010 10:21:36 AM
interstellar$50.00$50.0012/11/2010 8:46:38 PM
imoutdoorsy$25.01$25.0112/11/2010 10:08:41 PM
WeR5A$25.00$25.0012/12/2010 1:33:31 AM
0600Zulu$25.00$25.0012/11/2010 3:01:36 PM
bazaar-secret-agent6$50.00$50.0012/12/2010 6:56:51 AM
finance-prescription$35.26$35.2612/11/2010 1:53:36 AM
radiant-loan5$25.00$25.0012/11/2010 4:16:27 PM
PRGuyinVA$25.00$25.0012/11/2010 2:13:46 AM
ferocious-exchange3$40.48$40.4812/11/2010 5:31:30 PM
cwolfe177$25.00$25.0012/11/2010 4:11:46 AM
tszbgae$26.48$26.4812/11/2010 6:36:28 PM
flexible-income9$25.00$25.0012/11/2010 6:06:29 AM
ionyad$50.00$50.0012/12/2010 8:41:28 AM
itnAAnti$25.00$25.0012/12/2010 9:37:07 AM
cash-raccoon$25.00$25.0012/11/2010 7:16:36 AM
trade-boots1$100.00$100.0012/12/2010 9:37:31 AM
DreDub$50.00$50.0012/11/2010 8:26:59 PM
rvfbroker$25.00$25.0012/11/2010 7:56:35 AM
admirable-basis1$25.00$25.0012/12/2010 6:56:48 AM
momoney2lend$25.00$25.0012/12/2010 7:20:15 AM
calinno2$25.00$25.0012/11/2010 2:46:27 PM
nybanker85$30.00$30.0012/12/2010 9:37:33 AM
credit-sycamore4$31.13$31.1312/11/2010 3:01:38 PM
scrappy-diversification7$500.00$500.0012/11/2010 3:08:04 PM
AEH_Now$25.00$25.0012/12/2010 1:57:41 PM
reasonable-transaction7$50.00$50.0012/11/2010 4:16:28 PM
dollar-sonnet3$39.62$39.6212/11/2010 6:52:07 PM
raisingophelia$25.00$25.0012/11/2010 8:26:41 PM
nickel-position$25.00$25.0012/12/2010 3:40:02 PM
soulful-truth$105.92$105.9212/11/2010 8:46:37 PM
ReallyGoodGuy$25.00$25.0012/12/2010 4:06:30 AM
rupee-artisan$25.00$25.0012/12/2010 7:07:07 AM
Little_Tuna_College_Fund$25.00$25.0012/12/2010 9:06:32 AM
UT-Longhorn$25.00$25.0012/12/2010 9:37:12 AM
LiveNow$25.00$25.0012/12/2010 9:37:30 AM
finance-prescription$100.00$100.0012/12/2010 5:04:48 PM
inventive-exchange$25.00$25.0012/12/2010 11:52:51 AM
fortytwo$41.76$29.1212/12/2010 12:57:05 PM
Bob450$25.00$25.0012/12/2010 4:46:08 PM
165 bids
 
Borrower Payment Dependent Notes Series 487345
This series of Notes was issued and sold upon the funding of the borrower loan #45896, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-09-2010 
  Auction end date:  Dec-12-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $210.89
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1987 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:5y 1m
Amount delinquent: $8,637 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,665Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: enchanted-transaction5 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
Restructure/Consolidate One Debt
Purpose of loan:
This loan will be used to pay off my only?outstanding delinquency.??The creditor has agreed to settle the disputed amount of 8,637 (as referenced in my Credit Profile) for 5,000 if paid in-full by the end of December 2010.? All other delinquencies have been resolved.? With payment of this last remaining delinquency, all of my?accounts will once again be current.

My financial situation:
I am a good candidate for this loan because I will have no?problem making the monthly payment for the term indicated.? In fact, I would work very hard to pay-off this loan early.? My job history is solid and my current employment situation is secure.? I have worked extremely hard to rebuild my financial life and my personal life over?the past five years following a sudden, prolonged illness in late 2005 followed by divorce.? Today, I am healthy, and I have made excellent progress paying-down and paying-off debt.? All of my accounts have been current and in good standing for the past four years with the exception of the delinquency referenced above.? This delinquency is the only thing standing between me and new financial stability.? I recently paid-off a 10k loan with my credit union, and two consumer credit cards will be paid-off next month.?

Monthly net income: $3,200

Monthly expenses: $2197
??Housing: $1200
??Insurance: $47?(auto only; health covered by my employer)
??Car expenses: $20 (I walk to work and almost everything else as part of a "greener" lifestyle.? I fill-up my?tank about once every two months.)?
??Utilities: $80
??Phone, cable, internet: $120
??Food, entertainment: $250
??Clothing, household expenses $30 (dry cleaning)
??Credit cards and other loans: $400
??Other expenses: $50
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
EBITDA$25.00$25.0012/9/2010 2:38:21 PM
investment-comet$25.00$25.0012/9/2010 2:48:01 PM
ukstevenhawaii$100.00$100.0012/9/2010 2:39:56 PM
DonaldColorado$50.00$50.0012/9/2010 2:43:55 PM
leverage-trident$25.00$25.0012/9/2010 2:48:11 PM
secureincome$200.00$200.0012/9/2010 3:53:43 PM
Bank42$50.00$50.0012/9/2010 2:40:22 PM
ASR3$35.00$35.0012/9/2010 2:43:32 PM
kulender$50.00$50.0012/9/2010 2:44:54 PM
reflective-rupee$25.00$25.0012/9/2010 8:19:23 PM
iLoaner$25.00$25.0012/10/2010 1:27:45 AM
cloud8$25.00$25.0012/10/2010 1:40:59 AM
bountiful-durability$63.86$63.8612/10/2010 2:08:24 AM
interstellar$50.00$50.0012/10/2010 7:51:51 AM
integrity-liberator$50.00$50.0012/10/2010 7:56:48 AM
ichibon$50.00$50.0012/9/2010 7:04:18 PM
graceful-investment$100.00$100.0012/9/2010 7:46:36 PM
87Marc$25.00$11.0212/10/2010 9:32:51 AM
reflective-rupee$100.00$100.0012/9/2010 8:18:53 PM
alexgalt$25.00$25.0012/10/2010 12:41:40 AM
bgood2016$25.00$25.0012/10/2010 1:04:53 AM
dedicated-diversification5$27.63$27.6312/10/2010 1:48:38 AM
pioneer580$100.00$100.0012/10/2010 5:16:41 AM
meers2000$40.00$40.0012/10/2010 6:02:54 AM
wwwUniversal$25.00$25.0012/11/2010 1:42:42 AM
spiff666$44.60$44.6012/11/2010 8:06:30 AM
vineet$45.00$45.0012/12/2010 10:20:25 AM
hopeful-truth5$100.00$100.0012/9/2010 2:42:51 PM
simplelender80$100.00$100.0012/9/2010 2:43:42 PM
Artist_Blue$25.00$25.0012/9/2010 2:45:10 PM
handshake5$100.00$100.0012/9/2010 2:45:59 PM
Interstate_Rate$100.00$100.0012/9/2010 2:48:47 PM
worthy-bid8$50.00$50.0012/9/2010 2:37:50 PM
bid-czar8$100.00$100.0012/9/2010 2:44:15 PM
diplomatic-wealth7$25.00$25.0012/9/2010 2:44:26 PM
Redmond$25.00$25.0012/9/2010 2:45:53 PM
unforgettable-order9$50.00$50.0012/9/2010 5:06:04 PM
paytonbrigadier$300.00$300.0012/9/2010 2:48:05 PM
get30inc$32.89$32.8912/10/2010 1:25:30 AM
finance-prescription$100.00$100.0012/10/2010 1:50:43 AM
oath163$25.00$25.0012/10/2010 6:02:05 AM
scrappy-diversification7$2,000.00$2,000.0012/10/2010 7:51:29 AM
asset-equilibrium0$25.00$25.0012/10/2010 7:56:44 AM
symbiosis$50.00$50.0012/9/2010 2:47:04 PM
reflective-rupee$100.00$100.0012/9/2010 8:19:07 PM
soulful-truth$25.00$25.0012/9/2010 2:49:24 PM
lloyd_s$25.00$25.0012/10/2010 1:28:59 AM
Quigglesworth$75.00$75.0012/10/2010 11:20:40 AM
rustysailor$25.00$25.0012/10/2010 12:58:14 PM
MikeyZ2008$100.00$100.0012/10/2010 9:16:34 AM
kendallv$25.00$25.0012/11/2010 2:15:53 PM
ac787$25.00$25.0012/11/2010 6:08:11 PM
52 bids
 
Borrower Payment Dependent Notes Series 486062
This series of Notes was issued and sold upon the funding of the borrower loan #45878, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-02-2010 
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $261.72
Final lender yield: 9.95% Final borrower rate/APR: 10.95% / 13.07% Final monthly payment: $261.72
 
Auction yield range: 3.57% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1990 Debt/Income ratio: 13%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:19y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,976Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: red-p2ploan-anteater Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying a car for my daughter
Purpose of loan:
This loan will be used to purchase a?car for my daughter's graduation.? ?

My financial situation:
I am a good candidate for this loan because I have solid credit and a low but steady income.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0011/29/2010 2:59:04 PM
delicious-social132$50.00$50.0011/29/2010 3:03:20 PM
kulender$100.00$100.0011/29/2010 3:05:18 PM
jazzlender$25.00$25.0011/29/2010 3:02:03 PM
AFairDeal$50.00$50.0011/29/2010 3:07:19 PM
melodious-fairness$50.00$50.0011/29/2010 3:07:55 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:37 PM
platinum-celebration4$25.00$25.0011/29/2010 3:06:58 PM
ASR3$25.00$25.0011/29/2010 3:07:06 PM
nickel-ferret$50.00$50.0011/29/2010 3:03:02 PM
ray1051$75.00$75.0011/29/2010 3:03:08 PM
hopeful-truth5$100.00$100.0011/29/2010 3:05:03 PM
Pulchritudinous$25.00$25.0011/29/2010 3:05:24 PM
finance-prescription$100.00$100.0011/29/2010 3:16:14 PM
skuba$25.00$25.0011/29/2010 3:07:34 PM
greenback-guard$25.00$25.0011/29/2010 3:23:30 PM
peace-maximizer8$25.00$25.0011/29/2010 3:25:24 PM
the-enterprising-leverage$25.00$25.0011/29/2010 3:29:02 PM
Havana21$100.00$100.0011/29/2010 3:17:14 PM
commerce-yeller$50.00$50.0011/29/2010 3:30:18 PM
Artist_Blue$25.00$25.0011/29/2010 3:31:55 PM
Headhunter14$25.00$25.0011/29/2010 3:29:26 PM
rudyindc$25.00$25.0011/29/2010 3:29:57 PM
gain-gourd$100.00$100.0011/29/2010 3:31:28 PM
the-bright-velocity$25.00$25.0011/29/2010 3:34:46 PM
bxdoc$50.00$50.0011/29/2010 5:17:50 PM
myworld701$25.00$25.0011/29/2010 3:40:06 PM
bonafide-cash$50.00$50.0011/30/2010 7:10:49 AM
RationalWorld$25.00$25.0011/30/2010 7:12:40 AM
rss197$25.00$25.0011/30/2010 9:12:59 AM
astute-investment5$25.00$25.0011/30/2010 9:33:31 AM
proper-commitment5$25.00$25.0011/30/2010 7:07:48 AM
californiakhan$25.00$25.0011/30/2010 8:47:42 AM
rdrloan$40.02$40.0211/30/2010 11:28:05 AM
MrGhost$25.00$25.0011/30/2010 11:10:24 AM
danthemon35$25.00$25.0011/30/2010 11:59:01 AM
TheoProf$36.06$36.0611/30/2010 12:32:35 PM
p2p-rider7$50.00$50.0011/30/2010 10:18:34 AM
gold-conga$25.00$25.0011/30/2010 1:53:14 PM
SanCarlos$30.71$30.7111/30/2010 11:08:22 AM
competent-p2p$25.00$25.0011/30/2010 1:27:44 PM
velocity-solo$25.00$25.0011/30/2010 3:02:08 PM
the-profit-oracle$25.00$25.0011/30/2010 3:14:18 PM
rautility$50.00$50.0011/30/2010 2:27:49 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:42:51 PM
zebra806$100.00$100.0011/30/2010 2:29:31 PM
Approved1234$50.00$50.0011/30/2010 10:58:49 PM
worthy-bid8$100.00$100.0011/30/2010 10:59:56 PM
tsui517$25.00$25.0012/1/2010 1:48:14 AM
SajDiddy$75.00$75.0011/30/2010 4:55:09 PM
MarinLoans$25.00$25.0011/30/2010 7:37:51 PM
investment-comet$25.00$25.0012/1/2010 3:17:56 AM
maximizer$25.00$25.0011/30/2010 7:53:10 PM
first-upright-payout$25.00$25.0012/1/2010 7:40:10 AM
objective-investor$49.64$49.6412/1/2010 3:16:20 AM
Anny-Disco$50.00$50.0012/1/2010 3:39:53 AM
the-debt-fluffy-bunny$25.00$25.0012/1/2010 10:11:13 AM
Moneypenny6$25.00$25.0012/1/2010 6:46:45 AM
bayareainv$43.21$43.2112/1/2010 11:15:02 AM
blissful-dedication3$25.00$25.0012/1/2010 9:32:13 AM
bazaar-utensil7$47.80$47.8012/1/2010 1:48:00 PM
goodfaithAK$50.00$50.0012/1/2010 2:50:02 PM
stuy1998$25.00$25.0012/1/2010 2:50:51 PM
MedLend$50.00$50.0012/1/2010 2:51:28 PM
raisingophelia$25.00$25.0012/1/2010 2:54:29 PM
income-vault6$25.00$25.0012/1/2010 11:54:37 AM
riproaringrapids$25.00$25.0012/1/2010 2:49:50 PM
rvirk$50.00$50.0012/1/2010 2:50:09 PM
efficient-treasure0$25.00$25.0012/1/2010 2:51:39 PM
nybanker85$31.81$31.8112/1/2010 6:02:41 PM
JustMee$25.00$25.0012/1/2010 4:52:39 PM
authentic-liberty7$25.00$25.0012/1/2010 7:48:18 PM
alaco$25.00$25.0012/2/2010 5:28:29 AM
Roohugger$25.00$25.0012/2/2010 8:10:21 AM
building_community$25.00$25.0012/2/2010 8:17:29 AM
brightest-supreme-dollar$50.00$50.0012/2/2010 9:33:55 AM
wampum-launcher0$30.00$30.0012/2/2010 9:35:09 AM
gdfp158$25.00$25.0012/2/2010 8:43:33 AM
0600Zulu$25.00$25.0012/2/2010 8:56:48 AM
bill-processor2$25.00$25.0012/2/2010 10:24:36 AM
Aimvest$25.00$25.0012/2/2010 9:41:39 AM
supreme-benefit$25.00$25.0012/2/2010 12:11:58 PM
the-silver-blaster$50.00$50.0012/2/2010 11:54:53 AM
rakstar$25.00$25.0012/2/2010 6:03:11 AM
kc8fot$28.07$28.0712/2/2010 2:21:10 PM
jakesworld$25.00$25.0012/2/2010 2:28:17 PM
be_wise$25.00$25.0012/2/2010 8:17:58 AM
vigorous-velocity$100.00$100.0012/2/2010 12:00:57 PM
credit-panda1$30.00$30.0012/2/2010 12:09:05 PM
mooch_1993$25.00$25.0012/2/2010 2:13:54 PM
wwwUniversal$25.00$25.0012/2/2010 2:22:58 PM
jstnow$25.00$25.0012/2/2010 3:01:06 PM
kegs$142.94$142.8012/2/2010 5:03:19 PM
a2190b$25.00$25.0012/2/2010 6:06:22 PM
selector568$400.00$400.0011/29/2010 3:04:26 PM
dunox$25.00$25.0011/29/2010 3:00:21 PM
friendly-helper100$50.00$50.0011/29/2010 3:05:33 PM
enthralling-deal180$50.00$50.0011/29/2010 3:01:35 PM
finance_mba$25.00$25.0011/29/2010 3:06:41 PM
simplelender80$250.00$250.0011/29/2010 3:04:01 PM
Ripsaw4U$50.00$50.0011/29/2010 2:58:07 PM
careful-note$100.00$100.0011/29/2010 3:15:08 PM
indomitable-coin$50.00$50.0011/29/2010 3:02:53 PM
organized-payment6$50.00$50.0011/29/2010 3:03:30 PM
Webpreneur$50.00$50.0011/29/2010 3:17:22 PM
ichibon$150.00$150.0011/29/2010 3:15:26 PM
Mariner3605$100.00$100.0011/29/2010 3:18:24 PM
cablenews$50.00$50.0011/29/2010 3:19:25 PM
LiveNow$25.00$25.0011/29/2010 3:21:35 PM
MrBailey$25.00$25.0011/29/2010 3:25:00 PM
understanding-affluence5$30.00$30.0011/29/2010 3:14:33 PM
radforj22$25.00$25.0011/29/2010 3:18:43 PM
newest-bountiful-basis$25.00$25.0011/29/2010 3:20:48 PM
GElender$75.00$75.0011/29/2010 3:34:08 PM
bid-czar8$100.00$100.0011/29/2010 3:22:21 PM
money-bauble$25.00$25.0011/29/2010 3:32:54 PM
trade-boots1$100.00$100.0011/29/2010 3:24:02 PM
community-seahorse0$25.00$25.0011/29/2010 3:27:19 PM
wayman$50.00$50.0011/29/2010 3:27:27 PM
economy-beast$25.00$25.0011/29/2010 4:37:13 PM
economy-beast$25.00$25.0011/29/2010 4:51:38 PM
jdrez$25.00$25.0011/30/2010 1:22:54 AM
RandyL3$25.00$25.0011/30/2010 2:34:34 AM
SCD$25.00$25.0011/30/2010 4:23:32 AM
PRGuyinVA$50.00$50.0011/30/2010 7:10:51 AM
bold-durability-drum$50.00$50.0011/30/2010 9:10:24 AM
Hartfelt$25.00$25.0011/30/2010 6:44:42 AM
gavinfh$25.00$25.0011/30/2010 7:12:05 AM
return-phase9$26.00$26.0011/30/2010 7:50:20 AM
tylerfd$25.00$25.0011/30/2010 8:07:45 AM
worth-arch$25.00$25.0011/30/2010 11:58:27 AM
revenue-officer36$33.40$33.4011/30/2010 11:58:06 AM
lloyd_s$25.00$25.0011/30/2010 11:58:21 AM
Bio-physicist$25.00$25.0011/30/2010 1:59:24 PM
native68$50.00$50.0011/30/2010 8:25:02 PM
yield-enlistment$25.00$25.0011/30/2010 3:25:33 PM
handshake5$41.47$41.4711/30/2010 11:00:22 PM
natural-affluence4$25.00$25.0011/30/2010 4:07:19 PM
comet55$25.00$25.0011/30/2010 4:45:42 PM
a2190b$25.00$25.0011/30/2010 7:39:44 PM
4Horseman$25.00$25.0011/30/2010 8:28:00 PM
generous-deal6$50.00$50.0012/1/2010 2:58:15 AM
108lender$50.00$50.0012/1/2010 9:18:31 AM
mason5$75.00$75.0012/1/2010 10:21:38 AM
blue-useful-auction$25.00$25.0012/1/2010 11:14:17 AM
open-dough6$50.00$50.0012/1/2010 12:37:56 PM
valiant-liberty4$25.00$25.0012/1/2010 9:18:54 AM
Bank42$50.00$50.0012/1/2010 2:52:02 PM
loyalist1$75.00$75.0012/1/2010 2:49:33 PM
graceful-investment$100.00$100.0012/1/2010 2:51:21 PM
pouch7$25.00$25.0012/1/2010 3:00:38 PM
Ballard$25.00$25.0012/1/2010 3:06:52 PM
reflective-rupee$25.00$25.0012/1/2010 1:12:20 PM
mjunlimited$50.00$50.0012/1/2010 3:30:59 PM
wampum-chorus3$50.00$50.0012/1/2010 3:32:50 PM
hitsman$98.12$98.1212/1/2010 2:51:35 PM
BankofRa$25.00$25.0012/1/2010 6:50:33 PM
granitepk$50.00$50.0012/1/2010 5:03:01 PM
julijask$35.00$35.0012/2/2010 2:09:57 AM
integrity-palace1$25.00$25.0012/1/2010 11:50:47 PM
Digs$25.00$25.0012/2/2010 12:54:26 AM
mspiggybank$100.00$100.0012/2/2010 5:03:05 AM
magnificent-income7$25.00$25.0012/2/2010 6:03:56 AM
outofoffice$50.00$50.0012/2/2010 7:08:16 AM
alpinaut$25.00$25.0012/2/2010 4:42:46 AM
SimpleChoice$25.00$25.0012/1/2010 8:09:24 PM
well-mannered-marketplace5$25.00$25.0012/1/2010 10:07:30 PM
dma1206$25.00$25.0012/2/2010 12:02:36 AM
TheJunker$25.00$25.0012/2/2010 9:53:51 AM
forthright-principal2$25.00$25.0012/2/2010 12:10:41 PM
DadWarbucks$43.42$43.4212/2/2010 12:10:45 PM
wampum-chorus3$32.47$32.4712/2/2010 10:44:12 AM
finance-mushroom$100.00$100.0012/2/2010 12:00:56 PM
neutrino6$25.00$25.0012/2/2010 2:13:51 PM
newest-generous-income$25.00$25.0012/2/2010 9:34:11 AM
enthusiastic-treasure$25.00$25.0012/2/2010 9:51:44 AM
ti22ring$25.00$25.0012/2/2010 12:02:07 PM
courteous-deal114$50.00$50.0012/2/2010 12:53:59 PM
orderly-leverage$50.00$50.0012/2/2010 4:56:48 PM
hizzy$50.00$50.0012/2/2010 3:10:54 PM
Belair_Advisors$25.00$25.0012/2/2010 5:08:00 PM
181 bids
 
Borrower Payment Dependent Notes Series 486340
This series of Notes was issued and sold upon the funding of the borrower loan #45982, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Dec-01-2010 
  Auction end date:  Dec-08-2010 
 
Starting lender yield: 10.53% Starting borrower rate/APR: 11.53% / 13.66% Starting monthly payment: $329.90
Final lender yield: 8.80% Final borrower rate/APR: 9.80% / 11.90% Final monthly payment: $321.73
 
Auction yield range: 3.57% - 10.53% Estimated loss impact: 3.27%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1979 Debt/Income ratio: 9%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,283Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: swtrader Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 40 ( 100% ) 760-779 (Latest)
Principal borrowed: $13,500.00< 31 days late: 0 ( 0% )  
760-779 (Oct-2009)
720-739 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
New hardwood floor
Purpose of loan:
This loan will be used to complete home improvements.?

My financial situation:
I am a good candidate for this loan because of perfect pay record, excellent gross and disposable income, and high credit score.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please explain the two delinquencies you have had in the last 7 years? - GGWC
A: There were two late payments. (Dec-06-2010)
Q: What are the deliquencies on your credit profile? What are all your monthly expenses? good luck! - jpblan11
A: There were two late payments. (Dec-06-2010)
Q: Hello, I am interested in funding your loan. Could you tell me what your occupation is? Thank you. - newest-funds-powerplant
A: Turnaround professional. (Dec-06-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
selector568$400.00$400.0012/1/2010 3:45:14 PM
tolerant-dinero2$25.00$25.0012/1/2010 3:46:44 PM
Aberdeen$999.99$999.9912/1/2010 4:00:20 PM
penny-plato$25.00$25.0012/1/2010 4:11:14 PM
travels536$25.00$25.0012/1/2010 5:12:32 PM
interstellar$50.00$50.0012/2/2010 4:19:28 AM
wwwUniversal$25.00$25.0012/2/2010 4:19:32 AM
porwestco$25.00$25.0012/2/2010 3:13:39 PM
FundMaker$25.00$25.0012/3/2010 8:17:44 AM
setUup$100.00$100.0012/3/2010 2:48:05 AM
secureincome$2,000.00$1,561.8712/3/2010 5:09:26 PM
friendly-helper100$50.00$50.0012/3/2010 4:29:11 PM
rmpedi33$50.00$50.0012/4/2010 8:16:34 AM
bkb7484$25.00$25.0012/4/2010 3:47:56 AM
thankful-nickel2$25.00$25.0012/4/2010 6:57:52 PM
don'twannadance$100.00$100.0012/5/2010 3:23:35 PM
penny-finder$30.00$30.0012/5/2010 9:53:42 AM
agbullet55443$100.00$100.0012/4/2010 11:31:35 PM
sadhikari$25.00$25.0012/5/2010 6:41:22 PM
GBlack$30.00$30.0012/6/2010 4:45:57 PM
Montgomery-Burns$25.00$25.0012/6/2010 10:36:29 PM
Aberdeen$4,000.00$4,000.0012/6/2010 11:36:30 PM
The-Lighthouse-Group$25.00$25.0012/7/2010 7:17:03 AM
glc527$26.58$26.5812/7/2010 10:59:17 AM
Johnab$25.00$25.0012/7/2010 3:09:07 PM
indomitable-coin$50.00$50.0012/7/2010 7:50:41 PM
justme4now$25.00$25.0012/7/2010 5:30:47 PM
jaesposito$25.00$25.0012/7/2010 8:22:21 PM
patriot897$30.00$30.0012/7/2010 6:32:25 PM
q4golf$25.00$25.0012/8/2010 3:23:13 AM
fixer833$32.55$32.5512/8/2010 5:36:58 AM
lender12345$100.00$100.0012/7/2010 8:06:19 PM
Feyenoord$25.00$25.0012/7/2010 5:57:45 PM
friendinmoney$25.00$25.0012/8/2010 8:06:42 AM
mort317$50.00$50.0012/7/2010 7:57:20 PM
halfcr83$34.75$34.7512/7/2010 8:03:01 PM
Long-term2040$25.00$25.0012/8/2010 7:15:47 AM
paqattack$37.50$37.5012/7/2010 8:52:10 PM
Damostuff$25.00$25.0012/7/2010 11:03:23 PM
sign_here$25.00$25.0012/8/2010 10:02:31 AM
auction-workhorse679$25.00$25.0012/8/2010 10:35:29 AM
economy-popcorn$25.00$25.0012/8/2010 6:01:29 AM
revenue-appraiser$25.00$25.0012/8/2010 1:20:18 PM
nethawk00$25.00$25.0012/8/2010 1:31:02 PM
stockpicker_jboy$25.00$25.0012/8/2010 1:31:25 PM
order-rider$51.60$51.6012/8/2010 2:42:54 PM
LawyerLoan$25.00$25.0012/8/2010 3:17:57 PM
outofoffice$75.00$75.0012/2/2010 7:08:36 AM
MoneyForNothing$138.66$138.6612/2/2010 12:11:38 AM
MonkeyHero$35.99$35.9912/4/2010 8:59:32 AM
BabiesMillion$61.51$61.5112/4/2010 6:07:34 PM
don'twannadance$100.00$100.0012/5/2010 3:24:12 PM
investment-artist$50.00$50.0012/6/2010 9:42:12 AM
OKPapa$25.00$25.0012/6/2010 2:58:31 PM
Bodyboard$39.00$39.0012/7/2010 2:34:47 AM
jackdempsey$75.00$75.0012/7/2010 3:26:11 AM
unbelievable-value2$30.00$30.0012/6/2010 9:01:57 PM
bughead$25.00$25.0012/6/2010 10:42:49 PM
Dollars4Rent$25.00$25.0012/7/2010 10:50:12 AM
goal-benefit2$30.00$30.0012/7/2010 9:03:43 AM
qcksilvr20$50.00$50.0012/7/2010 9:40:42 AM
paramjit$100.00$100.0012/7/2010 10:25:02 PM
LittleMingo$30.00$30.0012/7/2010 7:36:55 PM
moneytolend72$25.00$25.0012/8/2010 7:38:53 AM
loyalist1$100.00$100.0012/8/2010 6:42:57 AM
cathmorcorvus$50.00$50.0012/7/2010 9:03:24 PM
Nazbuster$150.00$150.0012/8/2010 8:52:17 AM
grampy48$50.00$50.0012/8/2010 3:32:00 AM
enthusiastic-point$100.00$100.0012/8/2010 4:22:13 AM
colorfulgardener$25.00$25.0012/8/2010 4:39:29 AM
exact-peso2$25.00$25.0012/8/2010 6:49:05 AM
Whitewater_Loans$50.00$50.0012/8/2010 3:08:26 PM
72 bids
 
Borrower Payment Dependent Notes Series 486440
This series of Notes was issued and sold upon the funding of the borrower loan #45966, 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:  Dec-02-2010 
  Auction end date:  Dec-07-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $169.43
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $169.43
 
Auction yield range: 5.57% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
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): 8 First credit line: Apr-1995 Debt/Income ratio: 16%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,058Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: nancy89 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 760-779 (Latest)
Principal borrowed: $4,300.00< 31 days late: 1 ( 3% )  
620-639 (May-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Helping Mom with Hospital Bill
Purpose of loan:
This loan will be used to pay off my mom's Hospital bill.? Both of my parents became unexpectedly disabled, so I am now the head of my household (I am an only child & have nobody else to depend on to help me). I?am paying the mortgage, their bills, along with my bills, since my dad's disability doesn't really pay much (it barley covers his meds).??On?Oct 31,2010 we had to rush my mom to the ER & as you can imagine our bill was?ridiculously high.?I called the Hospital & advised them of my situation & that I would not be able to pay the full amount & thankfully they?cut the balance due in half (which is what they would have gotten paid anyways if my mom had insurance), however,?due to the economy, they will not let me make montly payments & want the payment in full.?With all of my?other responsiblities, I can't afford to make that?payment all at once. I can afford however, to make the monthly payments here on Prosper & an additional sum to pay off my balance as soon as possible.

I am hard working & reliable. ?I currently have 2 jobs, my regular 40 hour a week job & I also work?part time as a?piano instructor to make some additional money;I have been at both jobs for 12 years now. ?I am a good candidate for this loan because I have borrowed from Propser before;?I was always on time with my payments,?I was never late & paid my balance back in full. My credit score has also improved over 100 points since my last loan which proves that I am trustworthy?pay all my balances back in full.

Thank you very much

Monthly net income: $ $2500 (after taxes)

Monthly expenses: $
??Housing: $ 1600?
??Insurance: $ 550 every 6 months
??Car expenses: $ 0
??Utilities: $?120.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2,000 ($200 montly)
??Other expenses: $ 90.00 - Cell Phone
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Could you explain the delinquencies including the Prosper delinquency? - Johnab
A: Hi There The prosper deliquency is the $.01 that I supposedly owe for the first loan I got, however, I know that I have it paid off before but it keeps showing up & I keep working with Prosper to try to fix it. My other payments to Prosper always were on time & my payments never bounced. My credit suffered due to me having to pay everything at home,but I have since recovered & been able to pay everything else off. I only have one cc with a $1800 balance that I should be able to pay off nxt year (Dec-07-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0012/2/2010 4:31:54 PM
hopeful-truth5$100.00$100.0012/2/2010 4:34:08 PM
finance_mba$25.00$25.0012/2/2010 4:34:18 PM
ray1051$50.00$50.0012/2/2010 4:34:21 PM
Webpreneur$50.00$50.0012/2/2010 4:35:44 PM
careful-note$100.00$100.0012/2/2010 4:31:12 PM
money-bauble$100.00$100.0012/2/2010 4:31:45 PM
rss197$25.00$25.0012/2/2010 4:32:32 PM
dunox$50.00$50.0012/2/2010 4:33:58 PM
reward-motion$50.00$50.0012/2/2010 4:40:18 PM
jazzlender$25.00$25.0012/2/2010 4:30:56 PM
reflective-rupee$50.00$50.0012/2/2010 7:07:17 PM
radforj22$25.00$25.0012/2/2010 4:35:50 PM
trade-boots1$100.00$69.5712/2/2010 4:37:13 PM
reflective-rupee$50.00$50.0012/2/2010 7:06:57 PM
william8$25.00$25.0012/3/2010 11:37:38 AM
blue-useful-auction$25.00$25.0012/3/2010 8:31:20 AM
Kessler$25.82$25.8212/3/2010 5:16:22 PM
ptjg$50.00$50.0012/3/2010 5:26:00 PM
dedicated-hope640$25.00$25.0012/3/2010 4:27:42 PM
LenderRob07$100.00$100.0012/3/2010 6:19:38 PM
hoffspot$29.26$29.2612/3/2010 6:24:07 PM
chameleon125$50.00$50.0012/4/2010 11:26:22 AM
thankful-nickel2$25.00$25.0012/4/2010 7:04:19 PM
bentheretoo$74.00$74.0012/6/2010 1:28:37 AM
helynn$25.00$25.0012/4/2010 9:09:53 PM
rate-negotiator$25.00$25.0012/6/2010 12:20:36 PM
exchange-jedi$25.00$25.0012/6/2010 11:04:42 AM
ChoiceInvestments$26.00$26.0012/6/2010 11:24:12 PM
credit-birch$55.00$55.0012/7/2010 8:32:41 AM
Trevor_C$25.00$25.0012/7/2010 2:08:15 PM
credit-panda1$25.00$25.0012/7/2010 7:08:14 AM
drluong$25.00$25.0012/7/2010 3:19:41 PM
Nazbuster$60.00$60.0012/7/2010 4:22:56 PM
platinum-celebration4$25.00$25.0012/2/2010 4:34:31 PM
tolerant-dinero2$25.00$25.0012/2/2010 4:35:01 PM
Ripsaw4U$50.00$50.0012/2/2010 4:30:43 PM
indomitable-coin$50.00$50.0012/2/2010 4:33:16 PM
simplelender80$250.00$250.0012/2/2010 4:33:49 PM
bid-czar8$100.00$100.0012/2/2010 4:36:37 PM
enthralling-deal180$50.00$50.0012/2/2010 4:33:40 PM
ASR3$25.00$25.0012/2/2010 4:34:42 PM
AFairDeal$50.00$50.0012/2/2010 4:34:48 PM
twjh$25.00$25.0012/3/2010 3:00:14 AM
outofoffice$166.35$166.3512/3/2010 6:52:19 AM
KSPHoldings$25.00$25.0012/3/2010 5:01:37 AM
secureincome$2,000.00$2,000.0012/3/2010 5:10:16 PM
wwwUniversal$25.00$25.0012/4/2010 2:34:08 AM
hidavehi$44.00$44.0012/3/2010 9:29:30 PM
12Knocksinna$25.00$25.0012/4/2010 2:16:30 AM
platinum-investor1$25.00$25.0012/4/2010 9:06:01 PM
kind-value-pouch$100.00$100.0012/5/2010 6:59:30 AM
nimble-nickel$50.00$50.0012/5/2010 3:45:30 PM
heerzaquestion$50.00$50.0012/6/2010 6:53:31 AM
nickel-position$25.00$25.0012/6/2010 12:04:15 PM
Scotcha$50.00$50.0012/6/2010 8:33:10 PM
108lender$150.00$150.0012/7/2010 8:29:33 AM
Nyarpy$25.00$25.0012/7/2010 8:33:18 AM
Soulphoniks-Holdings$25.00$25.0012/7/2010 3:49:00 PM
p2ploan-sensation211$25.00$25.0012/7/2010 4:34:37 PM
60 bids
 
Borrower Payment Dependent Notes Series 486614
This series of Notes was issued and sold upon the funding of the borrower loan #45881, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-03-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $159.04
Final lender yield: 24.00% Final borrower rate/APR: 25.00% / 28.50% Final monthly payment: $159.04
 
Auction yield range: 16.57% - 24.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2001 Debt/Income ratio: 30%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,837Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: Quigglesworth Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my High Interest Cards
Purpose of loan:
This loan will be used to get rid of?one of my three Very High Interest Credit Cards, and never have them again!!? This?will lower my interest rate and enable me to focus on the other cards and then this loan.

My financial situation:
I am a good candidate for this loan because I have never not paid my debts, and never been late.? I made the mistake of using credit cards with my side business when things got tough because I couldn't get any banks to work with me.? I am a driven individual that unfortunately can't get the credit card companies to give me a better interest rate.??This is great opportunity for me to have a lower interest rate and help you make some money for lending me the money.

This year my Wife and I focused on our Daughters Medical Expenses which was no easy task.? Now it is time to get rid of the Credit Cards.? This loan would pay for two of my four Credit Cards and be lowering my interest rate by 10 percent!!? I look forward to paying a flat amount automatically each month, so I can focus on getting the other credit cards gone, and start a reserve fund so this doesn't ever happen again!!? With this loan, my Prosper Rating will easily change in the next 18 months.

My Credit?Profile is?very clean.? I am?surprised?I am an HR?on Prosper Rating with my clean history.? This is an investment that you won't lose on.

Please email me with any questions.

Monthly net income: $ 2,800.00

Monthly expenses: $2,250.00
??Housing: $ 650.00
??Insurance: $ 60.00
??Car expenses: Only Fuel - $125.00
??Utilities: $ 55.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?450.00
? Clothing, household expenses $ Wife takes care of?this
??Credit cards and other loans: $?610.00??
? Medical: $200.00 for another?10 months
Extra is for savings and pay off additional to the credit cards
Information in the Description is not verified.
Friends And Family Winning Bids
taiko6 has bid a total of $200.00 in winning bids.
1 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
Q: Please publish a listing of account BALANCE AND corresponding INTEREST RATE for EACH of your current loans/debt/credit cards. (eg, Amex Card: $1500 @ 29%, Cash Call loan: $5000 @ 69%, etc ...). No need to list any personal information - Thanks! - Been_There_Owed_That
A: Thanks for Your Question!! Below are my Credit Card Debts: Chase Slate - $3375.00 @ 29.99%, Chase Freedom - $2250.00 @ 29.99%, GM Card - $2950.00 @ 27.99%, Granite Credit Union Card - $3798.30 @ 16.99%. My Plan is to pay the first Card and what I can of the second. Now that my daughters medical bills are about paid, the extra I have from my checks will pay off the second Card by the end of March. And the third Card to be paid off by September. (Dec-06-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lendstats_com$200.00$200.0012/3/2010 3:03:41 PM
taiko6$200.00$200.0012/4/2010 5:58:05 AM
kulender$50.00$50.0012/4/2010 11:47:37 AM
reflective-rupee$100.00$100.0012/4/2010 9:48:00 PM
reflective-rupee$100.00$100.0012/4/2010 9:47:31 PM
SolarMoonshine$25.00$25.0012/6/2010 5:47:19 PM
hellasow$25.00$25.0012/7/2010 10:35:06 AM
reflective-rupee$100.00$100.0012/8/2010 8:56:26 PM
well-mannered-income3$40.00$40.0012/8/2010 5:30:24 PM
Bcs-cnc$25.00$25.0012/9/2010 5:49:42 AM
rubylender$25.00$25.0012/8/2010 7:13:36 PM
KTOWN$25.82$25.8212/9/2010 1:35:00 PM
bobnewt$100.00$100.0012/9/2010 9:27:53 AM
Oak-Parker$25.00$25.0012/9/2010 11:37:51 AM
pioneer580$100.00$100.0012/9/2010 7:21:09 PM
gothampark$25.00$25.0012/9/2010 9:17:47 PM
friendinmoney$25.00$25.0012/10/2010 8:27:49 AM
ddamenace$25.00$25.0012/10/2010 9:59:51 AM
Leshan$100.00$100.0012/10/2010 6:54:12 AM
whatreality$50.00$50.0012/10/2010 7:44:42 AM
brightest-dignified-penny$25.00$25.0012/10/2010 10:13:15 AM
Flying_Tilapia$25.00$25.0012/9/2010 10:15:13 PM
credit-missile$25.00$25.0012/10/2010 1:24:40 AM
credit-missile$39.16$39.1612/10/2010 1:57:47 AM
chevy92$50.00$50.0012/10/2010 5:59:10 AM
JGuide$100.08$100.0812/10/2010 6:47:31 AM
sturdy-peace9$85.00$85.0012/10/2010 9:13:40 AM
Kash2010lu$50.00$50.0012/4/2010 11:48:48 AM
JGuide$400.08$400.0812/4/2010 2:40:16 PM
loanman2007$200.00$200.0012/5/2010 6:33:29 AM
Milonguero$100.00$100.0012/6/2010 9:17:55 AM
nilonc1$100.00$100.0012/6/2010 10:01:10 AM
hopeful-truth5$100.00$100.0012/6/2010 4:11:43 PM
burnfromwithin$25.00$25.0012/6/2010 9:32:21 PM
hellasow$25.00$25.0012/7/2010 10:34:23 AM
well-mannered-income3$40.00$40.0012/7/2010 3:08:04 PM
well-rounded-dinero$200.00$200.0012/8/2010 4:33:16 PM
Eaglehigh$25.00$25.0012/8/2010 5:24:07 PM
gpuck$50.00$50.0012/8/2010 5:24:54 PM
ShadowLender$100.00$100.0012/9/2010 4:39:44 AM
Bob450$25.00$25.0012/9/2010 7:56:26 AM
JGuide$100.08$100.0812/8/2010 10:12:10 PM
enthusiastic-balance5$200.00$200.0012/8/2010 3:24:26 PM
Astounding$25.00$25.0012/8/2010 3:33:05 PM
tacologic$50.00$50.0012/9/2010 7:22:26 AM
hopeful-truth5$100.00$100.0012/9/2010 1:25:10 PM
deal-dojo$100.00$100.0012/9/2010 5:11:48 PM
hidavehi$26.00$26.0012/9/2010 5:54:01 PM
goldenhamster$100.00$76.3112/9/2010 7:42:33 PM
Zoomzoom22$42.47$42.4712/10/2010 8:12:14 AM
hopheadmike$25.00$25.0012/10/2010 10:16:21 AM
credit-missile$25.00$25.0012/10/2010 1:57:22 AM
ore-dojo$25.00$25.0012/10/2010 9:29:57 AM
mammalian4$50.00$50.0012/10/2010 10:09:42 AM
54 bids
 
Borrower Payment Dependent Notes Series 486808
This series of Notes was issued and sold upon the funding of the borrower loan #45970, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-07-2010 
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $225.87
Final lender yield: 6.65% Final borrower rate/APR: 7.65% / 7.99% Final monthly payment: $218.23
 
Auction yield range: 2.57% - 9.00% 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: Apr-2000 Debt/Income ratio: 7%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 20 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,213Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: dalty52 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2007)
640-659 (Nov-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay the balance remaining on my credit cards so I can save money via a lower interest rate.

My financial situation:
I am a good candidate for this loan because I am employed, full-time, in a job with a good salary, therefore I will not have any problems with the monthly loan payment. This is the last bit of revolving debt I have, so I am merely looking to pay it off faster with a lower interest rate.

I do not have a mortgage or a car payment(I do not own a car, as I live in a big city with public transit). The only payments I have, other than credit cards, are as follows:

Rent: $1350/month
Utilities/Insurance/Cable: ~$300/month
Phone: $100/month(married/family plan)
Student Loans: $300/month
Tax Installation Payment: $100/month
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you anticipate any Major Life Events within the next 12 months? This would include change in employment or employment status, birth of a child, large purchase (house/car, etc.), divorce, declaring personal bankruptcy, etc. Thanks and good luck. - CaribbeanBanker
A: CaribbeanBanker, At this point, I do not anticipate any major changes within the next 12 months. I am happy with my current job and relationship and I have no large purchases on the horizon. Thanks! (Dec-07-2010)
Q: Looks like you recently changed jobs. Please give us some details. Same industry as previous job? Why did you change? What sort of stablity do you forsee you will have in your new position. Thanks. - setUup
A: My previous job was at an agency, where I was a tech lead for a team of developers. The main reason I left is because it was getting very stressful, and I was working long hours. I am still in the same field(web development), but I now work at a tech company within the music industry(a passion of mine), and I am not a manager anymore. Basically, I demoted myself. :o) But, I am much happier now! I see no issues regarding the stability of my current position. (Dec-07-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
justice-dna$35.00$35.0012/6/2010 3:50:30 PM
sainswor99$25.00$25.0012/6/2010 3:51:10 PM
guardlender$25.00$25.0012/6/2010 3:52:01 PM
newest-sensible-hope$50.00$50.0012/6/2010 3:55:50 PM
balance-voyager$75.00$75.0012/6/2010 3:59:34 PM
latestone$25.00$25.0012/6/2010 4:03:04 PM
SARMAR$50.00$50.0012/6/2010 3:48:09 PM
AustinKyle$50.00$50.0012/6/2010 3:49:34 PM
windfall46$25.00$25.0012/6/2010 3:50:26 PM
cash4less$25.00$25.0012/6/2010 4:18:57 PM
buckeye9$50.00$50.0012/6/2010 4:19:13 PM
seabass123$25.00$25.0012/6/2010 3:53:17 PM
conductor146$25.00$25.0012/6/2010 4:20:02 PM
auction-sage$50.00$50.0012/6/2010 4:20:12 PM
figs4u2$100.00$100.0012/6/2010 4:20:16 PM
life-is-great$50.00$50.0012/6/2010 4:20:25 PM
zhiguli$25.00$25.0012/6/2010 4:21:58 PM
point-zebra$50.00$50.0012/6/2010 3:56:27 PM
nestegg4e$25.00$25.0012/6/2010 3:58:12 PM
Green-Baron$25.00$25.0012/6/2010 3:58:20 PM
contract-festival7$25.00$25.0012/6/2010 3:59:38 PM
dharma1$25.00$25.0012/6/2010 3:59:55 PM
authoritative-capital$25.00$25.0012/6/2010 4:00:37 PM
sanjl79$25.00$25.0012/6/2010 4:06:04 PM
dingus$25.00$25.0012/6/2010 3:46:56 PM
Hondo$25.00$25.0012/6/2010 4:36:23 PM
investment-framework$25.00$25.0012/6/2010 4:09:39 PM
budyzr$25.00$25.0012/6/2010 3:50:21 PM
UT-Longhorn$25.00$25.0012/6/2010 3:51:14 PM
j2ee$25.00$25.0012/6/2010 4:40:37 PM
investment-network$50.00$50.0012/6/2010 4:19:42 PM
fair-funds$30.00$30.0012/6/2010 3:51:52 PM
StrugglingDCFederalEmployee$50.00$50.0012/6/2010 4:21:16 PM
kc8fot$50.00$50.0012/6/2010 4:21:34 PM
meenan$50.00$50.0012/6/2010 3:55:40 PM
anti-wall-st$100.00$100.0012/6/2010 3:55:47 PM
Dreamconnection$50.00$50.0012/6/2010 3:57:53 PM
moneynmotion$50.00$50.0012/6/2010 3:57:59 PM
gzeo$25.00$25.0012/6/2010 3:59:21 PM
exact-gold2$50.00$50.0012/6/2010 3:59:31 PM
SelectTrustLending$25.00$25.0012/6/2010 3:59:44 PM
rockstar78$50.00$50.0012/6/2010 4:00:44 PM
TigerForce$25.00$25.0012/6/2010 4:32:58 PM
truth-octave6$50.00$50.0012/6/2010 4:06:36 PM
lifegrowth$25.00$25.0012/6/2010 4:08:42 PM
platinum-rapture6$50.00$50.0012/6/2010 4:09:05 PM
FlexFunding$50.00$50.0012/6/2010 4:19:31 PM
wjf60$50.00$50.0012/6/2010 4:20:08 PM
ADenny$25.00$25.0012/6/2010 4:20:30 PM
Cheburashka$35.00$35.0012/6/2010 6:35:20 PM
secureincome$2,500.00$2,500.0012/6/2010 4:57:11 PM
dma1206$25.00$25.0012/6/2010 4:58:55 PM
newest-funds-powerplant$25.00$25.0012/6/2010 8:42:25 PM
productive-finance$30.00$30.0012/6/2010 3:51:48 PM
Wilvara$50.00$50.0012/6/2010 3:54:21 PM
Octavian315$35.00$35.0012/6/2010 3:55:53 PM
chris-heretoinvest$25.00$25.0012/6/2010 3:59:29 PM
pbenjamin$25.00$25.0012/6/2010 4:01:25 PM
ArtemisFitzlebottom$50.00$50.0012/6/2010 3:48:19 PM
XraptorX$50.00$50.0012/6/2010 4:06:01 PM
ProfPC$25.00$25.0012/6/2010 3:48:24 PM
unforgettable-order9$50.00$50.0012/6/2010 3:49:24 PM
hopeful-point$32.07$32.0712/6/2010 3:49:47 PM
Krozy$25.00$25.0012/6/2010 3:51:37 PM
Jynxie$50.00$50.0012/6/2010 4:19:03 PM
unclejaef$25.00$25.0012/6/2010 4:19:50 PM
Ripsaw4U$75.00$75.0012/6/2010 4:20:09 PM
Binan$25.00$25.0012/6/2010 4:20:18 PM
meux99$25.00$25.0012/6/2010 4:20:27 PM
capital-web7$50.00$50.0012/6/2010 4:21:55 PM
first-upright-payout$25.00$25.0012/6/2010 4:22:02 PM
jjswanso$50.00$4.7112/6/2010 4:22:09 PM
justalender$25.00$25.0012/6/2010 3:55:38 PM
sngndnc$50.00$50.0012/6/2010 3:55:51 PM
wormdc$25.00$25.0012/6/2010 3:56:17 PM
haidoken$50.00$50.0012/6/2010 3:56:30 PM
Eagledrop$25.00$25.0012/6/2010 3:58:17 PM
SFGuy$50.00$50.0012/6/2010 4:02:59 PM
royboy0292$25.00$25.0012/6/2010 4:04:15 PM
important-dollar1$25.00$25.0012/6/2010 4:06:03 PM
MplsLawyers$50.00$50.0012/6/2010 4:07:19 PM
p2p-rider7$50.00$50.0012/6/2010 3:48:04 PM
Futurero$25.00$25.0012/6/2010 3:50:14 PM
proper-commitment5$25.00$25.0012/6/2010 4:19:40 PM
the-bright-velocity$25.00$25.0012/6/2010 4:20:37 PM
schpere$528.50$528.5012/6/2010 4:21:31 PM
tolerant-dinero2$25.00$25.0012/6/2010 3:54:19 PM
value-pouch$38.18$38.1812/6/2010 4:21:53 PM
Woodworker57$25.00$25.0012/6/2010 3:57:03 PM
dollars4debts$25.00$25.0012/6/2010 3:59:32 PM
AJSinvest$25.00$25.0012/6/2010 4:02:54 PM
kyomoon$50.00$50.0012/6/2010 4:03:21 PM
blot44$25.00$25.0012/6/2010 4:39:05 PM
commerce-voyager$25.00$25.0012/6/2010 4:19:44 PM
ommcd$25.00$25.0012/6/2010 4:21:23 PM
RandyL3$25.00$25.0012/6/2010 4:57:39 PM
selector568$400.00$400.0012/6/2010 4:41:09 PM
J_Galt$81.54$81.5412/6/2010 8:51:45 PM
bondhedger$25.00$25.0012/6/2010 4:58:34 PM
payout-reaction740$25.00$25.0012/6/2010 4:58:42 PM
thankful-nickel2$25.00$25.0012/6/2010 6:22:59 PM
101 bids
 
Borrower Payment Dependent Notes Series 487106
This series of Notes was issued and sold upon the funding of the borrower loan #45984, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $90.47
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2007 Debt/Income ratio: 17%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 4Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $990Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: lucrative-note8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan To Pay Off All My Credit Cards
Purpose of loan:
Hello,

This loan will be used to pay off all my credit cards. My hope is that I am granted this prosper loan to pay off all my credit cards at once, so all I have to worry about is my monthly prosper payment which I can easily afford because I have a minimal amount of bills. I am a man of my word, and promise that this loan would be used for paying my credit cards off only, and nothing else. I think their is nothing more betraying in this world than when you loan a friend some money to help them out, and you find out they used it for some luxury expense. So rest assured that your money will be used to get me out of credit card debt and would help me out tremendously.

My financial situation:
I am a great candidate for this loan because I have never been late on any of my credit card payments, can afford my prosper monthly payment easily, and promise to use the loan responsibly.

Monthly net income: $ 744.50

Monthly expenses: $ 310
??Housing: $
??Insurance: $
??Car expenses: $ 240.00
??Utilities: $
??Phone, cable, internet: $ 70.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

As you can see, from my monthly income, and monthly expenses I have very minimal bills so I hope this instills confidence in you that you will always get your prosper payment on time every time. This loan would help me out tremendously, and I would be forever grateful. If you have any questions at all, please don't hesitate to ask.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Your HR credit is a concern, but I am bidding on YOU. No DQ?s, I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You
A: I truly appreciate you putting your faith in me. I understand that this is a risk for you, and I promise I won't let you down. This loan will get paid. You have my word. (Dec-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Artist_Blue$25.00$25.0012/7/2010 3:28:54 PM
paytonbrigadier$150.00$150.0012/7/2010 5:55:38 PM
money-bauble$100.00$100.0012/7/2010 6:49:21 PM
tech310$25.00$25.0012/8/2010 10:28:16 AM
nilonc1$50.00$50.0012/7/2010 7:58:09 PM
reflective-rupee$200.00$200.0012/8/2010 9:34:42 AM
tdicky333$100.00$100.0012/9/2010 6:52:37 AM
hopeful-truth5$150.00$150.0012/9/2010 3:56:35 PM
SolarMoonshine$25.00$25.0012/9/2010 5:46:50 PM
reflective-rupee$200.00$200.0012/9/2010 8:15:01 PM
MatticusCaesar$50.00$50.0012/10/2010 9:23:14 AM
kulender$50.00$50.0012/10/2010 2:23:27 PM
MrVegas$47.00$47.0012/10/2010 2:37:25 PM
back-scratchers$25.00$25.0012/10/2010 5:45:56 PM
buffalobills$25.00$25.0012/11/2010 1:08:55 PM
shrewd-income$50.00$50.0012/12/2010 7:31:29 AM
COCHINOBOY$25.00$25.0012/11/2010 6:20:07 AM
ac787$25.00$25.0012/11/2010 5:54:14 PM
tigercat$50.00$50.0012/12/2010 7:38:51 AM
Kash2010lu$25.00$25.0012/12/2010 3:40:19 PM
Redmond$25.00$25.0012/7/2010 3:29:16 PM
graceful-investment$25.00$25.0012/7/2010 5:47:12 PM
felicity-festival$25.00$25.0012/7/2010 3:50:19 PM
alexgalt$25.00$25.0012/10/2010 12:42:41 AM
CreditBuilder2$50.00$50.0012/10/2010 1:22:27 PM
jamiee73$25.00$25.0012/9/2010 7:04:37 PM
Rebelrick9$384.52$193.0012/10/2010 6:41:53 PM
glroark$50.00$50.0012/11/2010 10:21:29 AM
impala6464$50.00$50.0012/11/2010 5:28:51 PM
I-Believe-In-You$25.00$25.0012/12/2010 8:23:46 PM
dudebrah$25.00$25.0012/13/2010 1:15:08 AM
unger$60.00$60.0012/12/2010 12:41:12 PM
OLYVRC$25.00$25.0012/13/2010 9:24:47 AM
33 bids
 
Borrower Payment Dependent Notes Series 487154
This series of Notes was issued and sold upon the funding of the borrower loan #45996, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $226.18
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1994 Debt/Income ratio: 31%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,509Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: hailey9911 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 / 2 On-time: 62 ( 100% ) 680-699 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2008)
720-739 (Nov-2007)
 
Principal balance: $2,126.45 31+ days late: 0 ( 0% )
Total payments billed: 62  
Description
Continue Remodel
Purpose of loan: We are close to completion need just a little more help
This loan will be used to?

My financial situation: We are in great shape. I do not agree with Prospers current rating of HR we had two loans over 12500.00 and paid off all but 2100.00 and still paying on time. I paid off three other accounts this year alone, I have and always will pay my debts.
I am a good candidate for this loan because?

Monthly net income: $ 7600

Monthly expenses: $
??Housing: $ 1355
??Insurance: $?300
??Car expenses: $ 120
??Utilities: $ 300
??Phone, cable, internet: $ 40
??Food, entertainment: $ 400
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 339
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I am in agreement with your disagreement with Prosper!!!! - DasMula
A: Thank You! I would hope that they do not devalue the hard working people on this network that would be willing to pay a higher APR to fellow hard working investors. But not at the cost of My credit score. our score should go up not down especially after paying off one loan and only six payments to go on the second. something is wrong! Also we paid off three other previous accounts. It seems a scam to keep us down and to tarnish us. But thanks to people like you we will be able to complete this. (Dec-09-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
paytonbrigadier$150.00$150.0012/8/2010 3:08:05 PM
Artist_Blue$25.00$25.0012/8/2010 3:04:00 PM
money-baron$34.55$34.5512/8/2010 5:02:49 PM
Amber_Stone$200.00$200.0012/8/2010 5:34:39 PM
MoneyForNothing$69.32$69.3212/8/2010 7:06:20 PM
Thylow$25.00$25.0012/8/2010 2:56:09 PM
Mr-Miracle$25.00$25.0012/9/2010 7:14:54 AM
greencat$50.00$50.0012/9/2010 8:06:38 AM
big_balla_papi$30.00$30.0012/9/2010 2:59:19 AM
NekHoldings$25.00$25.0012/9/2010 5:11:49 AM
forthright-dedication$25.00$25.0012/9/2010 10:51:50 AM
Jasmel$200.00$200.0012/9/2010 6:04:11 AM
ac787$25.00$25.0012/9/2010 10:52:06 AM
CA_Lender$25.00$25.0012/9/2010 11:49:50 AM
reflective-rupee$100.00$100.0012/9/2010 3:26:25 PM
Ubiquinone$35.00$35.0012/9/2010 8:10:38 PM
alexgalt$25.00$25.0012/10/2010 12:44:51 AM
secondreality$50.00$50.0012/10/2010 4:46:14 AM
Chesterite$200.00$200.0012/9/2010 8:41:40 PM
chameleon125$250.00$250.0012/10/2010 8:47:58 AM
pietro_torna_indietro$44.98$44.9812/9/2010 9:31:02 PM
EEasyMoney$50.00$50.0012/10/2010 9:21:11 AM
reflective-rupee$100.00$100.0012/9/2010 3:12:11 PM
reflective-rupee$100.00$100.0012/9/2010 3:26:38 PM
DasMula$100.00$100.0012/9/2010 3:59:41 PM
progressive-treasure1$50.00$50.0012/10/2010 10:41:40 AM
nodebt2012$50.00$50.0012/10/2010 8:17:44 AM
restless-dime$25.00$25.0012/9/2010 8:45:07 PM
money-bauble$75.00$67.7012/10/2010 2:23:10 PM
Wyatte$25.00$25.0012/10/2010 7:25:09 PM
Kash2010lu$75.00$75.0012/10/2010 8:04:09 PM
five-star-note$150.00$150.0012/10/2010 8:18:04 PM
hellasow$25.00$25.0012/10/2010 4:22:23 PM
hellasow$25.00$25.0012/10/2010 4:22:59 PM
hidavehi$44.00$44.0012/10/2010 5:18:56 PM
hellasow$25.00$25.0012/10/2010 4:21:36 PM
UCLA4life$25.00$25.0012/8/2010 3:09:37 PM
OldManP$25.00$25.0012/8/2010 3:10:15 PM
Thylow$25.00$25.0012/8/2010 2:57:58 PM
Redmond$25.00$25.0012/8/2010 3:04:45 PM
brother_tam$50.00$50.0012/8/2010 4:56:30 PM
Thylow$25.00$25.0012/8/2010 3:07:48 PM
nilonc1$500.00$500.0012/8/2010 5:11:58 PM
mikeandcat$100.00$100.0012/8/2010 6:01:55 PM
glroark$50.00$50.0012/8/2010 2:58:18 PM
371millwood$100.00$100.0012/9/2010 5:12:38 AM
selector568$50.00$50.0012/9/2010 5:20:03 AM
FarmersBank$30.65$30.6512/9/2010 6:33:55 AM
eboomer2611$25.00$25.0012/8/2010 9:25:56 PM
JustMee$25.00$25.0012/8/2010 9:34:06 PM
TeaHouseFinance$25.00$25.0012/8/2010 11:30:05 PM
Rogesparkguy$25.00$25.0012/9/2010 7:27:47 AM
money-baron$25.00$25.0012/9/2010 8:06:52 AM
retired272$25.00$25.0012/9/2010 1:50:20 PM
Iceman1347$25.00$25.0012/9/2010 11:24:38 AM
Mr-Miracle$25.00$25.0012/9/2010 7:15:18 AM
MoneyMover$25.00$25.0012/9/2010 6:44:30 PM
reflective-rupee$100.00$100.0012/9/2010 3:12:41 PM
Ubiquinone$61.00$61.0012/9/2010 8:16:35 PM
clemclan$30.00$30.0012/9/2010 10:41:24 PM
reflective-rupee$100.00$100.0012/9/2010 3:11:53 PM
reflective-rupee$100.00$100.0012/9/2010 3:25:50 PM
DasMula$100.00$100.0012/9/2010 3:59:57 PM
SolarMoonshine$200.00$200.0012/10/2010 4:04:25 AM
investment-thinker4$25.00$25.0012/10/2010 6:30:40 AM
Ubiquinone$50.00$50.0012/9/2010 8:15:26 PM
pioneer580$100.00$100.0012/10/2010 5:49:32 AM
graceful-investment$27.80$27.8012/10/2010 6:11:33 AM
loan-tycoon0$25.00$25.0012/10/2010 1:53:19 PM
mammalian4$50.00$50.0012/10/2010 10:24:44 AM
Stek7$25.00$25.0012/10/2010 10:36:47 AM
boo_hoo$50.00$50.0012/10/2010 3:56:14 PM
Ubiquinone$100.00$100.0012/10/2010 2:14:02 PM
head$25.00$25.0012/10/2010 4:46:01 PM
ZPBSFinancialGroup$25.00$25.0012/10/2010 3:43:17 PM
hellasow$25.00$25.0012/10/2010 4:25:24 PM
zeeexsixare$25.00$25.0012/10/2010 9:12:41 PM
77 bids
 
Borrower Payment Dependent Notes Series 487266
This series of Notes was issued and sold upon the funding of the borrower loan #45976, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 33.82% Starting monthly payment: $41.23
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 32.27% Final monthly payment: $40.42
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1988 Debt/Income ratio: 29%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,176Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: IMA_DOG-LOVER Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 36 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
640-659 (Apr-2008)
 
Principal balance: $801.87 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Paying off vet bills
Purpose of loan:
This loan will be used to? pay off accumulated debt that has happened over the past 6 months.? We suddenly lost our golden lab in June.? That type of expense is never planned, but if we had it to do over again, we would have done everything we could for Mocha.? He was the love of our lives and we miss him incredibly.?

My financial situation:
I am a good candidate for this loan because? I have a good track record of paying off?previous?loans over the past several years, I have already paid off one Prosper loan and am doing well paying off?the 2nd Prosper loan.?

Monthly net income: $ 1560.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 40
??Utilities: $ 125
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 470
??Other expenses: $ 38
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)
IPG1$25.00$25.0012/10/2010 2:57:50 PM
UCLA4life$25.00$25.0012/10/2010 3:08:10 PM
bondhedger$25.00$25.0012/10/2010 3:16:45 PM
B-rad_the_Coug$25.00$25.0012/10/2010 3:08:00 PM
reflective-rupee$100.00$100.0012/10/2010 3:53:46 PM
fund-fox4$30.00$30.0012/10/2010 3:55:14 PM
transaction-circuit$50.00$50.0012/10/2010 3:10:16 PM
DasMula$25.00$25.0012/10/2010 4:11:36 PM
SolarMoonshine$25.00$25.0012/10/2010 5:33:29 PM
reflective-rupee$100.00$100.0012/10/2010 3:53:28 PM
cupcake9$50.00$50.0012/10/2010 7:08:20 PM
shellstar$25.00$25.0012/10/2010 7:13:46 PM
Bob450$25.00$25.0012/11/2010 9:52:00 AM
finance-prescription$50.00$50.0012/11/2010 1:53:31 AM
GCSS$25.00$25.0012/11/2010 6:53:08 AM
ac787$25.00$25.0012/11/2010 8:23:11 AM
supreme-hope$25.00$25.0012/11/2010 8:46:54 AM
impeccable-transparency$150.00$120.0012/10/2010 3:03:03 PM
farblest$25.00$25.0012/10/2010 8:24:54 PM
chameleon125$75.00$75.0012/11/2010 7:40:40 AM
thankful-nickel2$25.00$25.0012/11/2010 8:50:21 AM
loanman2007$75.00$75.0012/11/2010 5:59:39 AM
foothillender$25.00$25.0012/11/2010 6:49:49 AM
23 bids
 
Borrower Payment Dependent Notes Series 487344
This series of Notes was issued and sold upon the funding of the borrower loan #45990, 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:  Dec-10-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $169.43
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $169.43
 
Auction yield range: 5.51% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
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): 9 First credit line: Nov-1983 Debt/Income ratio: 11%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 6 Current / open credit lines: 2 / 2Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,386Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: benefit-workhorse Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $1,587.63 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Investment in Reposession Compay
Purpose of loan:
This loan will be used to??invest in a?reposession company with my son. He has done this for 10 years and I would like to buy a truck as an investment to supplement my income. I will do the books for him. Sad to say due to the economy this is a booming business.

My financial situation:
I am a good candidate for this loan because?I pay my bills on time.?

Monthly net income: $2776

Monthly expenses: $
??Housing: $?650
??Insurance: $?60
??Car expenses: $ 80
??Utilities: $ 50?
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 61.85
??Other expenses: $ 135
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)
indomitable-coin$50.00$50.0012/10/2010 3:02:30 PM
enthralling-deal180$50.00$50.0012/10/2010 3:02:41 PM
hopeful-truth5$100.00$100.0012/10/2010 3:09:45 PM
subtle-revenue0$25.00$25.0012/10/2010 3:10:41 PM
listing-trapper3$75.00$75.0012/10/2010 3:11:43 PM
meenan$50.00$50.0012/10/2010 3:11:49 PM
GElender$75.00$75.0012/10/2010 3:12:08 PM
platinum-celebration4$25.00$25.0012/10/2010 3:12:28 PM
AFairDeal$50.00$50.0012/10/2010 3:12:37 PM
tolerant-dinero2$25.00$25.0012/10/2010 3:12:43 PM
the-enterprising-leverage$25.00$25.0012/10/2010 3:13:28 PM
power-trophy7$25.00$25.0012/10/2010 3:16:22 PM
E_G$50.00$50.0012/10/2010 3:16:48 PM
brightest-affluence-motivator$50.00$50.0012/10/2010 3:10:50 PM
riskreward$100.00$100.0012/10/2010 3:11:12 PM
Artist_Blue$25.00$25.0012/10/2010 3:14:33 PM
handshake5$100.00$100.0012/10/2010 3:15:01 PM
the-dollar-topper$100.00$100.0012/10/2010 3:15:16 PM
superb-funds335$25.00$25.0012/10/2010 3:16:05 PM
DSFinancial$40.00$40.0012/10/2010 4:32:29 PM
Trevor_C$25.00$25.0012/10/2010 3:17:17 PM
currency-cigar4$50.00$50.0012/10/2010 3:18:25 PM
worthy-bid8$50.00$50.0012/10/2010 3:56:39 PM
gold-blanket0$25.00$25.0012/10/2010 3:11:19 PM
finance_mba$25.00$25.0012/10/2010 3:11:23 PM
SiebirdLending$25.00$25.0012/10/2010 3:12:01 PM
intuitive-hope9$25.00$25.0012/10/2010 4:26:52 PM
investment-comet$25.00$25.0012/10/2010 3:16:12 PM
cagcrash$75.00$75.0012/11/2010 6:18:02 AM
ferocious-camaraderi1$100.00$100.0012/11/2010 8:20:00 AM
money-bauble$25.00$25.0012/11/2010 2:05:41 AM
blissful-exchange4$25.00$25.0012/11/2010 2:04:23 PM
the-profit-oracle$25.00$25.0012/11/2010 1:52:58 AM
red-unequivocal-finance$25.00$25.0012/12/2010 11:06:51 AM
rlgnyc$25.00$25.0012/12/2010 7:09:03 AM
the-bright-velocity$25.00$25.0012/12/2010 1:27:23 PM
macjp123$25.00$25.0012/12/2010 9:45:49 AM
alpal$38.80$38.8012/12/2010 12:00:10 PM
BigLinCT$25.00$25.0012/12/2010 1:54:32 PM
LoisLoan$25.00$25.0012/12/2010 5:52:26 PM
happy-asset$25.00$25.0012/12/2010 2:54:52 PM
Dunndeal4u$50.00$50.0012/12/2010 2:55:24 PM
zone6$50.00$50.0012/12/2010 2:55:38 PM
hayhelp$25.00$25.0012/12/2010 11:53:05 AM
credible-durability$25.00$25.0012/12/2010 12:50:53 PM
pioneer580$50.00$50.0012/13/2010 6:58:03 AM
BzJ108$25.00$25.0012/12/2010 2:54:55 PM
granitepk$34.48$34.4812/12/2010 2:55:40 PM
dunox$25.00$25.0012/12/2010 2:57:37 PM
wanna-help$49.34$49.3412/13/2010 8:16:32 AM
lloyd_s$25.00$25.0012/13/2010 9:51:32 AM
kind-adventurous-finance$45.79$45.7912/12/2010 5:52:12 PM
hope-hickory$25.00$25.0012/13/2010 9:23:46 AM
buddy486$25.00$25.0012/13/2010 10:16:03 AM
paymentologist$25.00$25.0012/13/2010 10:25:33 AM
chlebie$25.00$25.0012/10/2010 3:08:52 PM
Ripsaw4U$50.00$50.0012/10/2010 3:09:47 PM
careful-note$100.00$100.0012/10/2010 3:09:50 PM
rss197$25.00$25.0012/10/2010 3:10:12 PM
Bank42$50.00$50.0012/10/2010 3:10:33 PM
ray1051$50.00$50.0012/10/2010 3:12:26 PM
kulender$50.00$50.0012/10/2010 3:13:52 PM
SimpleChoice$25.00$25.0012/10/2010 3:15:09 PM
paytonbrigadier$250.00$250.0012/10/2010 3:15:44 PM
bowdish1$50.00$50.0012/10/2010 3:15:58 PM
jrbill1998$50.00$50.0012/10/2010 3:16:27 PM
UT-Longhorn$25.00$25.0012/10/2010 3:11:40 PM
bid-czar8$100.00$100.0012/10/2010 3:13:12 PM
organized-payment6$50.00$50.0012/10/2010 3:15:13 PM
tech310$50.00$50.0012/10/2010 3:09:24 PM
reward-motion$50.00$50.0012/10/2010 3:10:27 PM
Investoman$25.00$25.0012/10/2010 3:10:47 PM
wonderful-dime$25.00$25.0012/10/2010 3:11:46 PM
richboy56$25.00$25.0012/10/2010 3:11:54 PM
jazzlender$25.00$25.0012/10/2010 3:12:18 PM
ASR3$35.00$35.0012/10/2010 3:12:32 PM
Webpreneur$50.00$50.0012/10/2010 3:12:57 PM
ichibon$250.00$250.0012/10/2010 3:13:59 PM
SNH$100.00$100.0012/10/2010 8:01:51 PM
sci_guy$25.00$25.0012/10/2010 3:16:54 PM
thoughtful-community7$25.00$25.0012/10/2010 3:16:58 PM
mulberry4$50.00$50.0012/10/2010 9:42:01 PM
IIP77$25.00$25.0012/11/2010 4:23:49 AM
flexible-return297$50.00$50.0012/11/2010 6:57:57 PM
benefit-squirrel$30.00$30.0012/11/2010 11:36:21 PM
flanative$100.00$100.0012/11/2010 3:51:56 PM
jamiee73$25.00$25.0012/11/2010 4:21:38 PM
NR$25.00$25.0012/12/2010 7:55:26 AM
108lender$30.41$30.4112/11/2010 3:01:56 PM
Danfromnapa$50.00$50.0012/12/2010 5:06:57 PM
sarisai$50.00$50.0012/12/2010 7:07:55 PM
spudbeach$66.01$66.0112/12/2010 8:20:52 PM
dmfog$25.00$25.0012/12/2010 2:55:52 PM
fortytwo$100.00$100.0012/12/2010 5:41:55 PM
thestartuplender$50.00$50.0012/12/2010 1:54:30 PM
kchen486$50.00$50.0012/13/2010 10:25:26 AM
balanced-bill7$50.00$50.0012/12/2010 2:54:56 PM
jfreaksho$35.00$35.0012/13/2010 10:38:37 AM
agwosdof$100.00$100.0012/13/2010 10:25:28 AM
cablenews$50.00$50.0012/13/2010 10:25:32 AM
hidavehi$55.00$55.0012/12/2010 8:31:32 PM
worth-arch$25.00$25.0012/13/2010 9:52:11 AM
Bobafet$25.00$25.0012/13/2010 10:16:33 AM
danthemon35$25.00$25.0012/13/2010 10:25:29 AM
velocity-solo$25.00$25.0012/13/2010 10:25:42 AM
objective-investor$150.00$40.1712/13/2010 10:26:15 AM
106 bids
 
Borrower Payment Dependent Notes Series 487356
This series of Notes was issued and sold upon the funding of the borrower loan #45993, 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:  Dec-10-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $327.49
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $327.49
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2007 Debt/Income ratio: 18%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,584Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: rupee-stream8 Borrower's state: Nevada 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
Other expenses really important
Purpose of loan:
This loan will be used to?other expenses,?medical expenses?

My financial situation:
I am a good candidate for this loan because?
I have a full time job and not too much monthly expenses
Monthly net income: $ 2500.00

Monthly expenses: $ 700.00
??Housing: $ 384.00
??Insurance: $ 65.00
??Car expenses: $ 0
??Utilities: $
??Phone, cable, internet: $ 60.00?
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 70.00
??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)
EBITDA$25.00$25.0012/10/2010 3:09:16 PM
ukstevenhawaii$100.00$100.0012/10/2010 3:11:00 PM
DonaldColorado$50.00$50.0012/10/2010 3:13:05 PM
Redmond$25.00$25.0012/10/2010 3:14:39 PM
symbiosis$50.00$50.0012/10/2010 3:15:25 PM
worthy-bid8$31.32$31.3212/10/2010 3:02:52 PM
reflective-rupee$200.00$200.0012/10/2010 4:06:26 PM
ASR3$35.00$35.0012/10/2010 3:12:49 PM
handshake5$100.00$100.0012/10/2010 3:14:55 PM
graceful-investment$92.98$92.9812/11/2010 1:43:52 AM
simplewareinc$50.00$50.0012/10/2010 5:34:54 PM
inspiring-reward$100.00$100.0012/11/2010 6:04:06 AM
sturdy-openness885$25.00$25.0012/11/2010 7:28:41 AM
payment-gusto$25.00$25.0012/11/2010 8:43:52 AM
PRGuyinVA$25.00$25.0012/11/2010 2:13:50 AM
IIP77$25.00$25.0012/11/2010 4:23:39 AM
Guerrilla_Man$25.00$25.0012/11/2010 8:36:29 AM
soulful-truth$25.00$25.0012/11/2010 8:55:10 AM
WeR5A$25.00$25.0012/12/2010 1:33:38 AM
MadHun$25.20$25.2012/11/2010 5:31:32 PM
NR$25.00$25.0012/12/2010 7:55:56 AM
jobani$25.00$25.0012/12/2010 11:01:12 AM
new-social-economist$75.00$75.0012/11/2010 10:41:41 PM
asiaratt$26.81$26.8112/12/2010 11:52:38 AM
orange-preeminant-bill$44.76$44.7612/11/2010 9:08:02 AM
investment-comet$25.00$25.0012/12/2010 9:37:00 AM
flanative$100.00$100.0012/11/2010 3:56:34 PM
jamiee73$25.00$25.0012/11/2010 4:22:07 PM
108lender$25.00$25.0012/12/2010 11:21:33 AM
wanna-help$50.00$50.0012/12/2010 2:46:32 PM
commanding-income774$25.00$25.0012/12/2010 2:48:11 PM
selfmademan$25.00$25.0012/12/2010 2:50:13 PM
whatreality$25.00$25.0012/12/2010 2:52:58 PM
nalaari$25.00$25.0012/12/2010 2:53:59 PM
Rogesparkguy$25.00$25.0012/12/2010 12:50:43 PM
SpareChangeHero$50.00$50.0012/12/2010 5:14:29 PM
money-bauble$100.00$100.0012/12/2010 1:53:30 PM
minddoc$25.00$25.0012/12/2010 3:17:01 AM
abundant-credit6$25.00$25.0012/12/2010 4:29:25 AM
kendallv$50.00$50.0012/12/2010 6:26:13 PM
orange-dollar-guild$25.00$25.0012/12/2010 7:13:37 PM
Kijib$25.00$25.0012/12/2010 7:16:32 PM
agiovasil$25.00$25.0012/12/2010 2:50:09 PM
macgeek$25.00$25.0012/12/2010 10:12:06 PM
ionyad$50.00$50.0012/12/2010 8:41:30 AM
calkidd05$25.00$25.0012/12/2010 3:06:21 PM
derfen$25.00$25.0012/12/2010 10:14:47 PM
spark548$25.00$25.0012/12/2010 3:36:40 PM
desertoasis$25.00$25.0012/12/2010 3:52:44 PM
Mariner3605$37.25$37.2512/12/2010 4:53:02 PM
jubilant-auction5$25.00$25.0012/12/2010 5:14:26 PM
pixeldave$50.00$50.0012/12/2010 5:16:08 PM
steamboatgal$50.00$50.0012/13/2010 6:16:26 AM
Miklot$50.00$50.0012/13/2010 7:26:30 AM
CC911$25.00$25.0012/13/2010 7:26:41 AM
ferocious-exchange3$50.00$50.0012/13/2010 7:26:46 AM
finance_mba$25.00$25.0012/13/2010 7:41:28 AM
reliable-penny7$25.00$25.0012/12/2010 10:12:24 PM
ingenious-deal6$25.00$25.0012/13/2010 8:46:44 AM
TheYellowDart$25.00$25.0012/12/2010 2:46:04 PM
dollar-wasp8$25.00$25.0012/13/2010 7:26:32 AM
profit-powerplant$25.00$25.0012/13/2010 7:26:35 AM
missing-link$47.15$47.1512/13/2010 7:26:47 AM
LiveNow$25.00$25.0012/13/2010 7:26:50 AM
DrStaff$26.63$26.6312/12/2010 2:56:30 PM
buffalobills$25.00$25.0012/13/2010 8:10:48 AM
balanced-dime7$25.00$25.0012/12/2010 3:11:30 PM
gold-channel2$44.70$44.7012/13/2010 8:14:56 AM
gain-gourd$25.05$25.0512/12/2010 3:34:20 PM
tszbgae$50.00$50.0012/12/2010 4:52:51 PM
S-Master$50.00$50.0012/12/2010 5:14:28 PM
reasonable-transaction7$28.38$28.3812/12/2010 5:16:13 PM
Doug1043$25.00$25.0012/12/2010 5:22:26 PM
the-dollar-topper$100.00$100.0012/12/2010 5:22:45 PM
Use_It_Wisely$25.00$25.0012/12/2010 5:49:21 PM
LoisLoan$25.00$25.0012/12/2010 5:52:27 PM
AF-Chief$50.00$50.0012/12/2010 6:51:40 PM
tranquil-return4$25.00$25.0012/13/2010 7:26:34 AM
heroic-platinum$25.00$25.0012/13/2010 8:14:39 AM
mammalian4$25.00$25.0012/13/2010 12:55:38 PM
FinanceEngine$25.00$25.0012/14/2010 9:52:53 AM
nodebt2012$25.00$25.0012/13/2010 5:49:52 PM
Bank42$50.00$50.0012/10/2010 3:11:34 PM
simplelender80$100.00$100.0012/10/2010 3:13:35 PM
kulender$50.00$50.0012/10/2010 3:13:42 PM
Artist_Blue$25.00$25.0012/10/2010 3:14:12 PM
Interstate_Rate$100.00$100.0012/10/2010 3:16:39 PM
DSFinancial$41.62$41.6212/10/2010 3:18:15 PM
SNH$100.00$100.0012/10/2010 8:09:20 PM
scrappy-diversification7$695.26$695.2612/10/2010 8:11:29 PM
richboy56$25.00$25.0012/10/2010 10:08:42 PM
nilonc1$25.00$25.0012/10/2010 4:12:23 PM
diplomatic-wealth7$25.00$25.0012/10/2010 3:13:17 PM
a-finance-nirvana$25.00$25.0012/11/2010 1:54:54 AM
paytonbrigadier$150.00$150.0012/10/2010 3:15:51 PM
nickel-hickory$50.00$50.0012/10/2010 10:11:40 PM
ichibon$25.00$25.0012/11/2010 12:49:03 AM
bulsa$25.23$25.2312/11/2010 8:55:00 AM
reflective-rupee$200.00$200.0012/10/2010 4:06:09 PM
treasure-bliss$50.00$50.0012/11/2010 1:54:39 AM
bid-czar8$100.00$100.0012/11/2010 2:12:50 AM
famous-bill$25.00$25.0012/11/2010 5:03:11 AM
social-conductor4$25.00$25.0012/11/2010 6:06:33 AM
secureincome$25.00$25.0012/10/2010 5:11:31 PM
red-power-pecan$50.00$50.0012/11/2010 5:53:34 PM
Bob450$25.00$25.0012/11/2010 6:03:46 PM
blackstar$25.00$25.0012/11/2010 4:08:18 AM
vigorous-velocity$25.26$25.2612/11/2010 6:36:38 PM
ferocious-camaraderi1$50.00$50.0012/11/2010 8:12:03 AM
371millwood$200.00$200.0012/12/2010 11:25:00 AM
PrivateLoaner$29.95$29.9512/12/2010 11:52:47 AM
hayhelp$25.00$25.0012/12/2010 11:53:10 AM
return-pumpkin7$25.00$25.0012/12/2010 1:49:19 AM
flwah$25.00$25.0012/12/2010 1:52:18 PM
brazilofmux$78.41$78.4112/12/2010 1:52:35 PM
courteous-kindness1$50.00$50.0012/12/2010 9:38:33 AM
jazzlender$25.00$25.0012/12/2010 9:38:41 AM
DER$33.64$33.6412/12/2010 2:31:17 PM
Cheburashka$25.00$25.0012/12/2010 2:51:57 PM
flexible-income9$25.00$25.0012/11/2010 6:06:37 PM
coin-bee1$50.00$50.0012/12/2010 12:16:39 PM
velocity-solo$25.00$25.0012/12/2010 2:54:30 PM
FeedTheMachine$50.00$50.0012/11/2010 8:46:40 PM
lobstahlender$25.00$25.0012/12/2010 5:14:24 PM
billete$25.00$25.0012/12/2010 5:22:21 PM
TrekTune$25.00$25.0012/12/2010 7:16:41 PM
James_and_Tracy$27.64$27.6412/12/2010 10:13:16 PM
firewomin$50.00$50.0012/12/2010 3:06:53 PM
Rdodson11$25.00$25.0012/12/2010 4:52:38 PM
kind-adventurous-finance$31.51$31.5112/12/2010 4:53:12 PM
nickel-position$25.00$25.0012/12/2010 5:09:36 PM
Forlio$50.00$50.0012/12/2010 5:14:30 PM
whartonmba$25.00$25.0012/13/2010 1:11:34 AM
SelectTrustLending$25.00$25.0012/13/2010 2:21:25 AM
momoney2lend$25.00$25.0012/13/2010 7:16:32 AM
DLUVLY1$50.00$50.0012/13/2010 7:26:29 AM
astute-investment5$25.00$25.0012/13/2010 7:26:35 AM
UT-Longhorn$25.00$25.0012/13/2010 7:26:49 AM
JBA25$25.00$25.0012/13/2010 7:53:41 AM
tsquared_030$25.00$25.0012/12/2010 10:12:28 PM
pooksat$25.00$25.0012/12/2010 10:12:36 PM
mwl$25.00$25.0012/12/2010 10:12:49 PM
hope-hickory$25.00$25.0012/13/2010 9:23:33 AM
radiant-fund$25.00$25.0012/12/2010 1:59:04 PM
Soxxes$25.00$25.0012/13/2010 12:12:23 AM
LKN2RTR$25.00$25.0012/12/2010 2:15:18 PM
cablenews$50.00$50.0012/12/2010 2:51:05 PM
finagler$25.00$25.0012/12/2010 2:51:28 PM
greencat$50.00$50.0012/13/2010 7:20:05 AM
encore06$25.00$25.0012/13/2010 7:26:33 AM
bajaruss$25.00$25.0012/13/2010 8:43:16 AM
burrito6$25.00$25.0012/13/2010 9:26:33 AM
cospilot$25.00$25.0012/13/2010 9:33:23 AM
Executive23$25.00$25.0012/12/2010 5:14:23 PM
gimincorp$50.00$50.0012/12/2010 5:49:19 PM
wise-silver-wonder$25.00$25.0012/12/2010 5:49:39 PM
piter-to-la-investment$25.00$25.0012/12/2010 6:27:09 PM
nycloan$25.00$25.0012/12/2010 9:42:10 PM
jblack01$25.00$25.0012/12/2010 10:13:50 PM
MissionMicroFinance$25.00$25.0012/12/2010 10:14:17 PM
KiwiElf$30.00$30.0012/12/2010 10:15:13 PM
zeelender$25.00$25.0012/12/2010 10:15:19 PM
lethalvb01$25.00$25.0012/12/2010 10:31:33 PM
Fabiolous$100.00$100.0012/13/2010 12:16:40 AM
yeti888$25.00$25.0012/13/2010 7:26:36 AM
balance-warrior$25.00$25.0012/13/2010 8:16:37 AM
banker65010$25.00$25.0012/13/2010 8:46:49 AM
silver-enlightenment0$50.00$36.2512/13/2010 9:33:36 AM
attractive-point5$50.00$50.0012/13/2010 12:56:28 PM
greenback-guard$25.00$25.0012/13/2010 4:00:56 PM
PCity-LOA15$30.00$30.0012/14/2010 6:54:22 AM
171 bids
 
Borrower Payment Dependent Notes Series 487372
This series of Notes was issued and sold upon the funding of the borrower loan #45999, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-09-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 41.36% Final monthly payment: $45.24
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1991 Debt/Income ratio: 28%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,443Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 116%  
   Homeownership: Yes  
Screen name: revenue-reactor Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,150.00< 31 days late: 0 ( 0% )  
580-599 (Sep-2008)
 
Principal balance: $445.74 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
credit card payoff
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 4000

Monthly expenses: $ 2600
??Housing: $ 982
??Insurance: $ 125
??Car expenses: $ 690
??Utilities: $ 200
??Phone, cable, internet: $ 172
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??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)
UCLA4life$25.00$25.0012/9/2010 2:38:15 PM
Redmond$25.00$25.0012/9/2010 2:45:44 PM
Thylow$25.00$25.0012/9/2010 2:40:23 PM
Artist_Blue$25.00$25.0012/9/2010 2:45:21 PM
reflective-rupee$200.00$200.0012/9/2010 2:56:53 PM
big_balla_papi$30.00$30.0012/9/2010 10:37:58 PM
JustMee$25.00$25.0012/9/2010 5:33:36 PM
kendigme$25.00$25.0012/10/2010 3:27:51 AM
Thylow$25.00$25.0012/9/2010 2:41:27 PM
reflective-rupee$100.00$100.0012/9/2010 2:56:31 PM
GrossBuddha$75.00$75.0012/9/2010 2:41:38 PM
Thylow$25.00$25.0012/9/2010 2:47:14 PM
SolarMoonshine$50.00$50.0012/9/2010 5:34:32 PM
penny-plato$25.00$25.0012/9/2010 3:33:25 PM
glroark$50.00$50.0012/9/2010 2:41:31 PM
Thylow$100.00$100.0012/9/2010 2:47:13 PM
paytonbrigadier$150.00$70.0012/9/2010 2:47:35 PM
Fire2$25.00$25.0012/9/2010 2:49:04 PM
ac787$25.00$25.0012/9/2010 5:28:46 PM
thankful-nickel2$25.00$25.0012/9/2010 7:45:24 PM
alexgalt$25.00$25.0012/10/2010 12:44:20 AM
21 bids
 
Borrower Payment Dependent Notes Series 487490
This series of Notes was issued and sold upon the funding of the borrower loan #45975, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,400.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $98.95
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 29.78% Final monthly payment: $97.02
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1989 Debt/Income ratio: 14%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 12Length of status:18y 5m
Amount delinquent: $2,430 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,901Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: HackShack 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: 30 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (May-2010)
660-679 (Apr-2010)
660-679 (Feb-2010)
660-679 (Oct-2009)
 
Principal balance: $806.51 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Facility Equipment Upgrade
Purpose of loan:
This loan will be used to payoff my existing prosper balance and purchase new equipment for a youth baseball training facility.? The equipment includes an additional batting cage, a pitching machine to be used for kids under 12,?some new tees and sock nets.? The facility has been in operation for three years and is in need of additional equipment for the upcoming busy season.

My financial situation:
I am a good candidate for this loan because? I borrowed from Prosper when I first opened the facility and have never been late or missed a payment on the loan.? The balance on the original?note will be paid off with this loan?and the business can easily pay the new note which is a lesser amount.

Monthly net income: $ 6583

Monthly expenses: $ 4180
??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: why do you have past and current delinquencies? - p2ploan-sensation211
A: p2ploan-sensation211; I have no bill that has been delinquent over the past year. The delinquencies occurred from a separate business a year and a half ago while the building was being sold. The property was sold last December. Thank you for your interest. (Dec-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
impeccable-transparency$150.00$120.9012/10/2010 3:03:03 PM
DasMula$25.00$25.0012/10/2010 4:06:01 PM
Bob450$25.00$25.0012/11/2010 5:57:23 PM
twjh$25.00$25.0012/11/2010 6:27:11 PM
loanman2007$100.00$100.0012/11/2010 6:01:35 AM
supreme-hope$25.00$25.0012/11/2010 8:44:53 AM
nickel-position$25.00$25.0012/12/2010 5:08:01 PM
grnii78$78.63$78.6312/12/2010 6:37:45 AM
newest-funds-powerplant$25.00$25.0012/12/2010 8:55:00 PM
finance-prescription$49.76$49.7612/12/2010 10:11:31 AM
NekHoldings$25.00$25.0012/13/2010 5:11:51 AM
HHP$25.00$25.0012/12/2010 10:13:20 PM
Aberdeen$999.99$999.9912/10/2010 3:17:00 PM
bondhedger$25.00$25.0012/10/2010 3:25:02 PM
UCLA4life$25.00$25.0012/10/2010 3:08:11 PM
reflective-rupee$25.00$25.0012/10/2010 3:29:46 PM
DasMula$25.00$25.0012/10/2010 4:05:45 PM
thankful-nickel2$25.00$25.0012/11/2010 8:52:47 AM
SolarMoonshine$25.00$25.0012/10/2010 5:35:13 PM
britches613$25.00$25.0012/11/2010 7:43:17 PM
kendallv$25.00$25.0012/11/2010 2:22:32 PM
building_community$25.00$25.0012/12/2010 12:40:54 PM
himanshuko$25.00$25.0012/12/2010 7:31:30 AM
five-star-note$100.72$100.7212/12/2010 3:03:54 PM
mjerryfirst$400.00$400.0012/12/2010 4:50:54 PM
golffish2$100.00$100.0012/13/2010 4:17:05 AM
26 bids
 
Borrower Payment Dependent Notes Series 487744
This series of Notes was issued and sold upon the funding of the borrower loan #45978, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 17.04% Starting monthly payment: $50.83
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 17.04% Final monthly payment: $50.83
 
Auction yield range: 5.51% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
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): 8 First credit line: Apr-1988 Debt/Income ratio: 20%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:20y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,477Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: coin-bridge Borrower's state: Kentucky 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: 10 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
780-799 (Aug-2010)
780-799 (Jan-2010)
 
Principal balance: $2,220.65 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
My personal loan
This loan will be used to make Christmas a little more special for those in need. This loan will be deducted from from checking account to ensure timely payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0012/13/2010 3:07:24 PM
indomitable-coin$50.00$50.0012/13/2010 3:06:23 PM
careful-note$100.00$100.0012/13/2010 3:07:41 PM
113121$768.11$768.1112/13/2010 3:19:30 PM
currency-cigar4$50.00$50.0012/13/2010 3:09:23 PM
RandyL3$25.00$25.0012/13/2010 3:39:10 PM
jamiee73$25.00$25.0012/13/2010 3:21:05 PM
tolerant-dinero2$25.00$25.0012/13/2010 3:28:35 PM
reflective-rupee$50.00$50.0012/13/2010 3:31:10 PM
enthralling-deal180$50.00$50.0012/13/2010 3:05:40 PM
rss197$25.00$25.0012/13/2010 3:09:41 PM
hopeful-truth5$100.00$56.8912/13/2010 3:23:00 PM
bondhedger$25.00$25.0012/13/2010 3:39:40 PM
chlebie$25.00$25.0012/13/2010 3:08:01 PM
kulender$100.00$100.0012/13/2010 3:08:56 PM
exchange-squirrel$25.00$25.0012/13/2010 3:11:25 PM
shellstar$25.00$25.0012/13/2010 3:41:38 PM
myworld701$25.00$25.0012/13/2010 3:55:34 PM
18 bids