Sales Report:Supplement No. 97 dated Dec 16, 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 313062
This series of Notes was issued and sold upon the funding of the borrower loan #46017, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Dec-02-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $415.40
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $415.40
 
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: Mar-1993 Debt/Income ratio: 18%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:14y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,651Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: TheRascel Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Operation Balance Sheet Cleanup
Operation Balance Sheet Cleanup
My situation. Married with 3 children. Like many, in the years of easy credit, I borrowed against the future. Now older and wiser, but finding the process of ?paying down the revolving debt frustratingly slow. I've been working steadily at cleaning up my personal balance sheet by paying off car loans, and driving out expenses from my budget. I'm now making the income that I was living like I had 5-10 years ago, but I need to clean up the past sins. I'm tired of giving Banks more profit, after all the ?bailouts?.? I'd rather pay the interest to you. This loan will also help speed up the balance sheet cleanup situation by freeing up cash flow to pay car loans off faster.

Employed at a Fortune 100 Co. for 15 years in the Fin. Analysis. I also teach college at night,. I've been promoted instead of laid off during tough economic times. Received above average pay raises while the rest of the company was taking pay cuts. Never delinquent on anything, and always honor my obligations. This will be no different.

Until Prosper?s ?quiet period a couple years ago, I was a lender like you.
This loan will be used to pay off store and Discover credit cards. We have already cut the cards up. This is to consolidate, cut the interest expense, and increase cash flow. (I know some of you will wonder why I don?t take it out of my house. While I actually have positive equity, it?s not the 80% LTV lenders want now.)Month income: $ 7600

Month expenses: Avg
??Housing: $ 1248
??Insurance: $ 600 -Life, home, auto
??Car expenses: $ 644 -Two car notes / gas / Maintenance
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 1000
??Clothing, household expenses $500
??Credit cards and other loans: $ 650
? Taxes (Fed / State/ Prop): $ 1100
??Other $1408? - 401k, health insurance, kids education, un-budgeted items.
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: Does your wife work and if so what is her salary? (please answer publicly) - LawOf70
A: Good question. She does work, but it's part-time free lance contract work out of the house between 1k-2K a month. I did not include its as its variable, and it is currently being saved to support future anticipated expenses. (You could consider it a contingency source of income to make payments on this loan if the need arose.) Thanks for considering my listing! (Dec-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jazzlender$25.00$25.0012/2/2010 4:02:31 PM
hopeful-truth5$100.00$100.0012/2/2010 4:33:06 PM
money-bauble$100.00$100.0012/2/2010 4:31:41 PM
bid-czar8$100.00$100.0012/2/2010 4:36:31 PM
trade-boots1$100.00$100.0012/2/2010 4:37:07 PM
enthralling-deal180$50.00$50.0012/2/2010 4:33:36 PM
dunox$50.00$50.0012/2/2010 4:33:55 PM
AFairDeal$50.00$50.0012/2/2010 4:34:45 PM
kind-adventurous-finance$50.00$50.0012/2/2010 4:40:21 PM
radforj22$25.00$25.0012/2/2010 4:35:47 PM
the-enterprising-leverage$25.00$25.0012/2/2010 4:38:03 PM
Headhunter14$25.00$25.0012/2/2010 4:38:15 PM
the-bright-velocity$25.00$25.0012/2/2010 4:39:20 PM
handshake5$100.00$100.0012/2/2010 4:42:15 PM
selector568$200.00$200.0012/2/2010 4:02:04 PM
Ripsaw4U$50.00$50.0012/2/2010 4:30:37 PM
happy-asset$25.00$25.0012/2/2010 6:32:54 PM
tech310$50.00$50.0012/2/2010 4:31:49 PM
simplelender80$250.00$250.0012/2/2010 4:33:53 PM
ASR3$25.00$25.0012/2/2010 4:34:38 PM
kulender$50.00$50.0012/2/2010 4:41:19 PM
FinDoc$30.00$30.0012/3/2010 1:14:20 AM
worthy-bid8$100.00$100.0012/2/2010 4:41:23 PM
Artist_Blue$25.00$25.0012/2/2010 4:43:11 PM
nickel-ferret$50.00$50.0012/2/2010 4:44:26 PM
Sol_Invictus$25.00$25.0012/2/2010 5:31:16 PM
reflective-rupee$500.00$500.0012/2/2010 7:09:22 PM
JustMee$25.00$25.0012/2/2010 9:46:12 PM
balance-force$30.00$30.0012/2/2010 9:59:52 PM
rbotterbLLC$25.00$25.0012/3/2010 10:17:45 AM
newest-generous-income$25.00$25.0012/3/2010 10:27:10 AM
newest-funds-powerplant$50.00$50.0012/3/2010 8:08:19 AM
grf1945$25.00$25.0012/3/2010 3:34:42 PM
alaco$25.00$25.0012/3/2010 4:24:10 PM
brother_tam$26.38$26.3812/3/2010 1:54:45 PM
understanding-affluence5$30.00$30.0012/3/2010 5:28:43 PM
Cheburashka$25.00$25.0012/3/2010 6:37:49 PM
LawOf70$30.00$30.0012/3/2010 7:20:02 PM
julijask$35.00$35.0012/4/2010 2:17:34 AM
irrelevant$25.00$25.0012/4/2010 2:17:49 AM
CAGE-Investments$25.00$25.0012/4/2010 2:43:54 AM
Weaverville$50.00$50.0012/4/2010 1:05:12 AM
Premierelender$25.00$25.0012/4/2010 11:40:31 AM
Bank_Of_XL$50.00$50.0012/3/2010 6:57:08 PM
rakstar$25.00$25.0012/4/2010 1:31:22 AM
chameleon125$50.00$50.0012/4/2010 11:14:15 AM
4est$25.00$25.0012/4/2010 2:16:20 AM
jamiee73$25.00$25.0012/4/2010 5:22:44 PM
listing-trapper3$75.00$75.0012/4/2010 1:52:45 PM
comet55$25.00$25.0012/4/2010 2:23:01 PM
haidoken$50.00$50.0012/5/2010 1:56:58 AM
Kame$25.00$25.0012/5/2010 4:07:45 AM
BaxterEvil$25.00$25.0012/4/2010 10:34:59 AM
diversification-enlistment$25.00$25.0012/5/2010 10:18:30 AM
generous-deal6$30.00$30.0012/4/2010 1:24:00 PM
ptjg$50.00$50.0012/5/2010 10:51:52 AM
objective-investor$150.00$150.0012/4/2010 2:21:58 PM
authentic-liberty7$25.00$25.0012/5/2010 6:34:06 AM
kublai$47.30$47.3012/5/2010 3:39:03 PM
Green-Baron$25.00$25.0012/5/2010 9:08:47 AM
richboy56$25.00$25.0012/5/2010 10:53:20 AM
circustab$50.00$50.0012/4/2010 5:25:29 PM
dg5803$50.00$50.0012/4/2010 5:57:41 PM
LoisLoan$25.00$25.0012/5/2010 11:58:04 AM
finance-mushroom$50.00$50.0012/5/2010 2:34:46 PM
meenan$50.00$50.0012/4/2010 11:27:14 PM
adir1$25.00$25.0012/5/2010 2:57:45 AM
nolahelper$25.00$25.0012/6/2010 7:22:30 AM
excalibur$50.00$50.0012/5/2010 5:52:12 AM
iamricher$25.00$25.0012/6/2010 7:36:14 AM
kc8fot$49.15$49.1512/6/2010 7:42:18 AM
pythia$25.00$25.0012/5/2010 8:38:43 AM
wanna-help$50.00$50.0012/5/2010 10:28:02 AM
zebra806$47.47$47.4712/6/2010 10:19:28 AM
lostontheedge$25.00$25.0012/6/2010 6:39:01 AM
ksamba$50.00$50.0012/6/2010 11:32:01 AM
ommcd$25.00$25.0012/6/2010 7:24:50 AM
benefit-piano5$25.00$25.0012/6/2010 7:25:17 AM
japerk$25.00$25.0012/5/2010 3:34:39 PM
studious-bonus7$74.38$74.3812/6/2010 7:38:46 AM
Gr8rGood$30.00$30.0012/6/2010 8:37:16 AM
gain-gourd$25.00$25.0012/5/2010 5:33:21 PM
credit-panda1$25.00$25.0012/5/2010 5:37:48 PM
rockstar78$50.00$50.0012/5/2010 5:37:55 PM
integrity-cowbell$30.00$30.0012/5/2010 6:27:16 PM
williemc44$50.00$50.0012/5/2010 7:28:51 PM
WorldlyWorker$25.00$25.0012/5/2010 8:22:59 PM
truth-octave6$25.00$25.0012/6/2010 10:57:49 AM
exuberant-loot$50.00$50.0012/6/2010 2:32:42 PM
Nazbuster$100.00$100.0012/6/2010 11:37:01 AM
SajDiddy$75.00$75.0012/6/2010 12:33:12 PM
magee425$25.00$25.0012/6/2010 6:56:38 AM
gavinfh$25.00$25.0012/6/2010 12:33:46 PM
bonafide-cash$50.00$46.1112/6/2010 12:34:11 PM
bankrushing$33.64$33.6412/6/2010 12:35:00 PM
the-silver-blaster$50.00$50.0012/6/2010 7:25:23 AM
metro457$25.00$25.0012/6/2010 7:25:54 AM
precious-gold3$50.00$50.0012/6/2010 9:39:55 AM
blissful-deal0$50.00$50.0012/6/2010 2:20:33 PM
raisingophelia$25.00$25.0012/6/2010 10:01:41 AM
rautility$32.43$32.4312/6/2010 10:33:59 AM
p2p-rider7$25.00$25.0012/6/2010 11:04:32 AM
finance-prescription$100.00$100.0012/6/2010 12:33:21 PM
platinum-celebration4$25.00$25.0012/2/2010 4:34:26 PM
rss197$25.00$25.0012/2/2010 4:32:29 PM
wayman$50.00$50.0012/2/2010 4:37:18 PM
indomitable-coin$50.00$50.0012/2/2010 4:33:10 PM
ray1051$50.00$50.0012/2/2010 4:34:20 PM
skuba$25.00$25.0012/2/2010 4:34:52 PM
Pulchritudinous$25.00$25.0012/2/2010 4:35:22 PM
Webpreneur$50.00$50.0012/2/2010 4:35:40 PM
SimpleChoice$25.00$25.0012/2/2010 4:44:44 PM
natural-affluence4$25.00$25.0012/2/2010 4:40:34 PM
melodious-fairness$50.00$50.0012/2/2010 4:57:12 PM
competent-p2p$50.00$50.0012/2/2010 4:46:09 PM
supreme-benefit$25.00$25.0012/2/2010 4:46:22 PM
careful-note$100.00$100.0012/2/2010 4:31:01 PM
tolerant-dinero2$25.00$25.0012/2/2010 4:32:23 PM
moneysong$150.00$150.0012/2/2010 7:26:52 PM
finance_mba$25.00$25.0012/2/2010 4:34:15 PM
GElender$75.00$75.0012/2/2010 4:38:51 PM
astute-investment5$25.00$25.0012/2/2010 4:39:38 PM
native68$50.00$50.0012/2/2010 4:40:54 PM
first-upright-payout$25.00$25.0012/2/2010 4:41:54 PM
ichibon$175.00$175.0012/2/2010 4:42:01 PM
workaholic68$50.00$50.0012/2/2010 9:35:02 PM
velocity-solo$25.00$25.0012/2/2010 4:44:47 PM
be_wise$25.00$25.0012/2/2010 4:45:56 PM
organized-payment6$50.00$50.0012/2/2010 4:46:31 PM
balanced-bill7$50.00$50.0012/3/2010 4:57:20 AM
Oakland$50.00$50.0012/3/2010 7:15:15 AM
heerzaquestion$75.00$75.0012/3/2010 8:05:49 AM
bettylor$50.00$50.0012/3/2010 9:33:51 AM
alexstar$25.00$25.0012/3/2010 7:45:17 AM
Dunndeal4u$50.00$50.0012/3/2010 7:53:14 AM
economy-popcorn$25.00$25.0012/3/2010 10:59:51 AM
the-dollar-topper$100.00$100.0012/3/2010 11:40:22 AM
nilonc1$100.00$100.0012/3/2010 9:37:39 AM
dmfog$25.00$25.0012/3/2010 10:12:38 AM
Sixmil$50.00$50.0012/3/2010 1:57:36 PM
secureincome$2,000.00$2,000.0012/3/2010 5:09:58 PM
LiveNow$25.00$25.0012/3/2010 4:29:02 PM
tszbgae$50.00$50.0012/3/2010 4:48:45 PM
valiant-liberty4$25.00$25.0012/3/2010 4:49:41 PM
the-profit-oracle$25.00$25.0012/3/2010 2:31:42 PM
Aimvest$25.00$25.0012/4/2010 1:31:47 AM
nalaari$25.00$25.0012/3/2010 4:28:34 PM
Tradesmanlender$34.86$34.8612/4/2010 2:17:39 AM
nobanksallowed$35.07$35.0712/4/2010 5:08:15 AM
alpinaut$25.00$25.0012/3/2010 10:35:28 PM
profitable-liberty170$50.00$50.0012/3/2010 6:31:46 PM
diversification-empire$25.00$25.0012/4/2010 12:04:45 PM
aimm$50.00$50.0012/3/2010 7:26:20 PM
gala279$50.00$50.0012/4/2010 6:48:04 AM
economy-beast$25.00$25.0012/3/2010 8:45:36 PM
cerebral-dollar773$66.88$66.8812/3/2010 9:20:49 PM
Travis247$25.00$25.0012/3/2010 11:48:48 PM
openness-wind8$25.00$25.0012/4/2010 12:10:15 AM
Cai8899$30.00$30.0012/4/2010 1:04:45 AM
wonderful-dime$25.00$25.0012/4/2010 4:24:00 PM
AK49-JW$50.00$50.0012/4/2010 5:14:27 PM
Sam65$25.00$25.0012/4/2010 1:03:34 PM
riproaringrapids$25.00$25.0012/4/2010 3:23:06 AM
GeorgiaGator$45.00$45.0012/4/2010 4:32:46 AM
Whitewater_Loans$61.92$61.9212/4/2010 9:41:27 AM
peace-maximizer8$25.00$25.0012/5/2010 5:57:38 AM
best-platinum-persimmon$25.00$25.0012/5/2010 6:12:54 AM
thankful-nickel2$25.00$25.0012/5/2010 6:14:35 AM
fiddlerzvi$25.00$25.0012/4/2010 10:45:52 AM
UT-Longhorn$25.00$25.0012/4/2010 11:32:46 AM
Dubbs360$25.00$25.0012/4/2010 8:37:44 PM
rudyindc$25.00$25.0012/5/2010 9:18:11 AM
CSinvestments$25.00$25.0012/5/2010 10:09:31 AM
Wilvara$50.00$50.0012/4/2010 9:08:01 PM
Chewbaca$25.00$25.0012/4/2010 12:17:33 PM
JohnBanks$25.00$25.0012/5/2010 10:28:09 AM
balanced-treasure4$50.00$50.0012/5/2010 12:23:09 PM
Mariner3605$35.09$35.0912/4/2010 2:22:02 PM
tomdooley12520$25.00$25.0012/5/2010 7:04:46 AM
IIP77$25.00$25.0012/4/2010 2:38:15 PM
thrilling-nickel5$34.93$34.9312/5/2010 4:37:02 PM
TheMoneyVault$25.00$25.0012/5/2010 8:08:10 PM
bradania$25.00$25.0012/5/2010 10:51:52 PM
Bcs-cnc$25.00$25.0012/4/2010 9:05:15 PM
108lender$50.46$50.4612/4/2010 9:07:50 PM
grafton$300.00$300.0012/5/2010 3:09:54 PM
flwah$25.00$25.0012/5/2010 3:38:15 PM
proper-commitment5$25.00$25.0012/6/2010 5:52:43 AM
SelectTrustLending$25.00$25.0012/5/2010 3:39:18 PM
belovednut$50.00$50.0012/5/2010 4:32:33 PM
trustworthy-fairness$50.00$50.0012/6/2010 7:25:08 AM
lawyervon$25.00$25.0012/6/2010 7:25:34 AM
bambampk$25.00$25.0012/5/2010 7:53:32 PM
building_community$25.00$25.0012/5/2010 8:46:32 AM
hitsman$25.00$25.0012/6/2010 2:01:35 AM
vinyl117$25.00$25.0012/6/2010 9:34:46 AM
engaging-worth$25.00$25.0012/5/2010 11:28:59 AM
calbertrand$25.00$25.0012/6/2010 10:43:26 AM
visionary-currency$25.00$25.0012/5/2010 2:38:16 PM
rate-negotiator$25.00$25.0012/6/2010 12:26:29 PM
tranquil-capital4$50.00$50.0012/6/2010 7:38:23 AM
Tikibarman$100.00$100.0012/6/2010 7:43:43 AM
triumph329$30.00$30.0012/6/2010 8:09:00 AM
mittman43$25.00$25.0012/6/2010 8:31:50 AM
OCBLUE$32.43$32.4312/5/2010 5:37:44 PM
Eastern$25.00$25.0012/6/2010 8:55:31 AM
SiebirdLending$25.00$25.0012/5/2010 7:08:19 PM
StrongMonty$40.00$40.0012/5/2010 7:12:53 PM
JTHarris$25.00$25.0012/6/2010 10:10:59 AM
rlgnyc$25.00$25.0012/6/2010 10:41:48 AM
dcap3$25.00$25.0012/6/2010 4:26:33 AM
loanman2007$100.00$100.0012/6/2010 6:02:58 AM
nybanker85$50.00$50.0012/6/2010 12:32:28 PM
MrBailey$25.00$25.0012/6/2010 12:33:37 PM
investment-comet$25.00$25.0012/6/2010 12:33:54 PM
brightest-supreme-dollar$50.00$50.0012/6/2010 7:26:18 AM
ethicalhumanist$50.00$50.0012/6/2010 1:14:18 PM
p2ploan-sensation211$50.00$50.0012/6/2010 1:34:01 PM
bazaar-utensil7$26.50$26.5012/6/2010 11:04:32 AM
exchange-jedi$25.00$25.0012/6/2010 11:06:41 AM
j2ee$25.00$25.0012/6/2010 11:15:04 AM
221 bids
 
Borrower Payment Dependent Notes Series 457946
This series of Notes was issued and sold upon the funding of the borrower loan #45917, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
Final lender yield: 31.89% Final borrower rate/APR: 32.89% / 36.56% Final monthly payment: $110.12
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.18%  
Lender servicing fee: 1.00% Estimated return: 11.71%  
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-1995 Debt/Income ratio: 39%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,195Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: danry1 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? Consolodate small credit accounts. I have too many open lines of credit hurting my credit score. I need to eliminate what I can as soon as I can to get my credit score back where it should be.

My financial situation:
I am a good candidate for this loan because? I have perfect credit...never late, never miss a payment. I have a secure great job.

Monthly net income: $ 4,250.00????

Monthly expenses: $
??Housing: $
??Insurance: $ 60.00
??Car expenses: $ 800.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 450.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi there. Could you explain the drop in your credit score? Thanks and good luck with this loan. - green-rapid-openness
A: I believe it is the fact I have too many open lines of credit. I have always paid on time, never late or missed any payments. I need this loan so I can consolidate and close some accounts. (Dec-08-2010)
Q: You have put that you have no housing costs, please can you elaborate? - circle
A: My wife pays the house payment and I pay utilities. (Dec-08-2010)
Q: What do you do for a living? - circle
A: I work for FedEx Express. (Dec-08-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
glroark$50.00$50.0012/6/2010 4:24:18 PM
penny-sergeant$25.00$25.0012/6/2010 5:30:51 PM
icanhasloanz$100.00$100.0012/8/2010 12:55:48 AM
SolarMoonshine$50.00$50.0012/7/2010 5:39:03 PM
Math_Physics$25.00$25.0012/7/2010 6:16:48 PM
WeshaTheLeopard$25.00$25.0012/8/2010 11:18:21 AM
zydeco337$26.41$26.4112/8/2010 7:59:38 PM
ShadowLender$50.00$50.0012/9/2010 4:46:58 AM
mikeandcat$100.00$12.6212/8/2010 5:51:19 PM
RyanM561$25.00$25.0012/9/2010 2:42:48 PM
ladyorayne$100.00$100.0012/9/2010 3:40:00 PM
orange-pound-party$45.00$45.0012/9/2010 8:34:38 PM
pietro_torna_indietro$25.00$25.0012/9/2010 9:29:29 PM
Leshan$50.00$50.0012/10/2010 7:03:41 AM
bonus-quark4$31.14$31.1412/10/2010 7:33:34 AM
power-secret-agent$25.00$25.0012/10/2010 6:02:21 AM
minnesotafinancial$25.00$25.0012/10/2010 6:27:53 AM
BDS$66.54$66.5412/9/2010 7:32:34 PM
kindness-venture1$50.00$50.0012/10/2010 2:21:10 PM
economy-popcorn$25.00$25.0012/10/2010 10:11:03 AM
quest0$37.57$37.5712/10/2010 1:22:04 PM
drcoop$25.00$25.0012/10/2010 9:33:14 AM
ColoradoLender82$25.00$25.0012/10/2010 9:59:28 AM
gothampark$25.00$25.0012/10/2010 3:00:00 PM
wlm3012$25.00$25.0012/10/2010 4:04:47 PM
justice-magnate$50.00$50.0012/10/2010 5:50:26 PM
alexgalt$50.00$50.0012/6/2010 4:39:46 PM
red-favorable-basis$25.00$25.0012/6/2010 8:45:33 PM
alexgalt$25.00$25.0012/6/2010 9:46:34 PM
reflective-rupee$100.00$100.0012/6/2010 7:49:36 PM
Kash2010lu$50.00$50.0012/6/2010 8:42:29 PM
reflective-rupee$100.00$100.0012/6/2010 7:49:59 PM
icanhasloanz$100.00$100.0012/8/2010 12:55:28 AM
gbruenin$25.00$25.0012/7/2010 6:09:21 PM
icanhasloanz$100.00$100.0012/8/2010 12:55:06 AM
zone6$88.66$88.6612/8/2010 10:52:22 PM
thankful-nickel2$25.00$25.0012/8/2010 7:38:12 PM
lucrative-loan$25.00$25.0012/9/2010 10:51:51 AM
five-star-note$77.06$77.0612/9/2010 11:01:50 AM
Bcs-cnc$25.00$25.0012/9/2010 5:52:42 AM
RKLFinancial$100.00$100.0012/9/2010 3:16:53 PM
rapid-currency$25.00$25.0012/9/2010 12:06:49 PM
ac787$25.00$25.0012/9/2010 5:20:28 PM
loss-of-control$50.00$50.0012/9/2010 5:34:37 PM
wealth-pipeline$25.00$25.0012/10/2010 7:08:53 AM
mammalian4$50.00$50.0012/10/2010 8:06:33 AM
Cessna172$40.00$40.0012/10/2010 10:26:07 AM
secondreality$25.00$25.0012/10/2010 4:39:41 AM
jbloans$25.00$25.0012/9/2010 4:44:05 PM
mrxtravis$50.00$50.0012/10/2010 1:54:20 AM
priceless-euro0$25.00$25.0012/10/2010 4:07:48 PM
EJ217$25.00$25.0012/10/2010 5:38:59 PM
cloud546$25.00$25.0012/10/2010 4:33:52 PM
charming-dough0$25.00$25.0012/10/2010 5:10:41 PM
Snoopylover$25.00$25.0012/10/2010 4:32:11 PM
melodious-openness$100.00$100.0012/10/2010 4:52:02 PM
RSRAssociates$25.00$25.0012/10/2010 4:57:22 PM
57 bids
 
Borrower Payment Dependent Notes Series 482738
This series of Notes was issued and sold upon the funding of the borrower loan #45994, 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-01-2010 
  Auction end date:  Dec-04-2010 
 
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: 13.57% - 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: May-1997 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 36Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,953 
Delinquencies in last 7y: 4 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: velocity-tom-tom Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
DEBT CONSOLIDATION
Purpose of loan:
This loan will be used to? CONSOLIDATE DEBT

My financial situation:
I am a good candidate for this loan because? I ALWAYS PAY MY DEBTS

Monthly net income: $ 3300.00

Monthly expenses: $
??Housing: $ 489.00
??Insurance: $ 100.00
??Car expenses: $ 100.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 275.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0012/1/2010 3:38:05 PM
diplomatic-wealth7$25.00$25.0012/1/2010 3:49:20 PM
alexgalt$50.00$50.0012/1/2010 3:49:33 PM
kulender$50.00$50.0012/1/2010 3:52:28 PM
Artist_Blue$25.00$25.0012/1/2010 3:54:53 PM
dedicated-transaction796$46.44$46.4412/1/2010 4:22:56 PM
money-bauble$25.00$25.0012/1/2010 3:42:31 PM
bid-czar8$100.00$100.0012/1/2010 3:48:28 PM
ThatDanGuy$100.00$100.0012/1/2010 3:53:27 PM
Redmond$25.00$25.0012/1/2010 3:56:13 PM
jamiee73$25.00$25.0012/1/2010 4:59:16 PM
competent-p2p$25.00$25.0012/2/2010 11:11:14 AM
kind-adventurous-finance$50.00$50.0012/2/2010 12:11:13 PM
visionary-currency$25.00$25.0012/2/2010 8:29:45 AM
reflective-rupee$100.00$100.0012/3/2010 8:30:28 AM
astute-investment5$25.00$25.0012/3/2010 12:04:06 PM
credit-sycamore4$100.00$100.0012/3/2010 12:04:30 PM
SolarMoonshine$25.00$25.0012/3/2010 5:28:19 PM
env$50.00$50.0012/3/2010 2:32:33 PM
loanman2007$50.00$50.0012/4/2010 6:06:26 AM
paytonbrigadier$200.00$200.0012/1/2010 3:48:11 PM
simplelender80$100.00$100.0012/1/2010 3:50:11 PM
DonaldColorado$50.00$50.0012/1/2010 3:47:53 PM
ichibon$25.00$25.0012/1/2010 3:54:27 PM
greenback-guard$25.00$25.0012/1/2010 3:56:22 PM
trade-boots1$100.00$100.0012/1/2010 3:52:20 PM
handshake5$100.00$100.0012/1/2010 3:56:39 PM
ASR3$25.00$25.0012/1/2010 3:46:56 PM
reflective-rupee$100.00$100.0012/1/2010 4:08:32 PM
bulsa$60.53$60.5312/1/2010 7:48:24 PM
worthy-bid8$25.00$25.0012/1/2010 10:28:48 PM
economy-synapse$25.00$25.0012/1/2010 7:53:39 PM
alexgalt$25.00$25.0012/1/2010 10:15:39 PM
jazzlender$25.00$25.0012/2/2010 5:55:52 AM
reflective-rupee$100.00$100.0012/3/2010 8:30:41 AM
the-dollar-topper$100.00$100.0012/3/2010 11:41:18 AM
scrappy-diversification7$3,000.00$3,000.0012/3/2010 12:02:36 PM
Mariner3605$50.00$50.0012/3/2010 12:04:24 PM
Comoparklender$50.00$50.0012/3/2010 1:56:40 PM
newest-generous-income$25.00$25.0012/3/2010 12:04:03 PM
gulch$25.00$25.0012/3/2010 12:20:16 PM
gold-channel2$50.00$50.0012/3/2010 12:20:46 PM
secureincome$2,500.00$2,193.0312/3/2010 3:36:43 PM
43 bids
 
Borrower Payment Dependent Notes Series 486564
This series of Notes was issued and sold upon the funding of the borrower loan #46005, 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-03-2010 
  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: 25.00% Final borrower rate/APR: 26.00% / 32.01% Final monthly payment: $40.29
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 19.74%  
Lender servicing fee: 1.00% Estimated return: 5.26%  
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-2006 Debt/Income ratio: 3%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 6 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: special-silver7 Borrower's state: WestVirginia 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 this Christmas
Purpose of loan:
This loan will be used to finance Christmas for my two children while providing breathing room with bills until January.

My financial situation:
My financial situation this year has been one of very timely payments and frugality. However, recently my car was rendered inoperable, and I had to deplete my savings in order to fix it.

Monthly net income: $ 1250

Monthly expenses: $
??Housing: $ 375
??Insurance: $ 50
??Car expenses: $ 0(except for this major repair)
??Utilities: $ 200
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100(estimated cost of entertainment, food costs are taken care of by a third party.)
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ variable but never more than around 50 dollars
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: Believe me, this loan will be paid early or on time, every month. This is not only a request for help with temporary finances, but also a credit building block. Thank you, so much, for your open faith. It is incredibly refreshing and more appreciated than you could imagine. (Dec-09-2010)
Q: I'll bid on your loan to help you but hope you won't let us down. You should be able to pay back any loan as long as you are healthy, work hard, and live frugally. - SkyLoan
A: You're absolutely right and I would not ask for a loan I could not pay back. This loan will certainly be paid back on time or early. I really appreciate your confidence. (Dec-10-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
vine99$40.00$40.0012/4/2010 9:25:50 AM
nodebt2012$25.00$25.0012/7/2010 5:46:25 PM
Leshan$25.00$25.0012/9/2010 9:24:59 AM
ScottCapital$25.00$25.0012/9/2010 3:20:25 PM
systematic-fairness$25.00$25.0012/9/2010 6:48:55 PM
realtormoises$25.00$25.0012/9/2010 4:57:50 PM
dt_one$25.00$25.0012/10/2010 1:07:36 AM
supersam$100.00$100.0012/10/2010 9:42:52 AM
RainMakers$25.00$25.0012/10/2010 1:18:03 PM
impala6464$100.00$44.5212/9/2010 6:54:13 PM
himanshuko$25.00$25.0012/10/2010 8:55:24 AM
bst$25.00$25.0012/10/2010 11:55:46 AM
mmeyer_jr$25.00$25.0012/10/2010 12:10:54 PM
wild-orange$25.00$25.0012/10/2010 12:46:41 PM
Signaturedg$30.00$30.0012/10/2010 1:27:40 PM
RSRAssociates$25.00$25.0012/10/2010 1:41:05 PM
smarva$25.00$25.0012/10/2010 10:28:01 AM
Leopoldine$25.00$25.0012/10/2010 11:46:14 AM
bst$25.00$25.0012/10/2010 12:02:57 PM
kulender$25.00$25.0012/4/2010 11:36:41 AM
scamps$25.00$25.0012/7/2010 12:19:18 PM
marwadi-62$50.00$50.0012/8/2010 3:07:51 PM
I-Believe-In-You$25.00$25.0012/9/2010 4:55:47 PM
BDS$25.00$25.0012/9/2010 7:30:43 PM
ralf206$43.33$43.3312/9/2010 9:17:07 PM
moose-capital-funding$36.16$36.1612/10/2010 9:25:55 AM
friendinmoney$25.00$25.0012/10/2010 1:48:34 PM
love2garden$30.43$30.4312/9/2010 6:49:27 PM
nodebt2012$25.00$25.0012/10/2010 8:21:09 AM
I-Believe-In-You$25.00$25.0012/10/2010 11:04:27 AM
REITRUST$25.00$25.0012/10/2010 1:33:03 PM
ProjectVenture$25.00$25.0012/10/2010 2:00:06 PM
spike22$25.56$25.5612/10/2010 12:30:32 PM
33 bids
 
Borrower Payment Dependent Notes Series 486718
This series of Notes was issued and sold upon the funding of the borrower loan #46006, 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-06-2010 
  Auction end date:  Dec-12-2010 
 
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: 16.57% - 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: Jul-1980 Debt/Income ratio: 4%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 1 / 1Length of status:0y 10m
Amount delinquent: $9,715 Total credit lines: 12 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 23 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: vigilance-corps1 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 my credit cards
Purpose of loan:
Pay off credit cards, so i can get rid of them and start over. Interest rates on my credit cards out way the
payment i would have if i had the help from the lenders here.
My financial situation:
I am a good candidate for this loan because?im trying to get my life
back on track and just need a fresh start. Got a great job to grow with now, just down?
and need a little help getting back on feet?

Monthly net income: $ 2300.00

Monthly expenses: $
??Housing: $Live with parents at the moment?300.00 rent?
??Insurance: $ 63.00 a month
??Car expenses: $?80.00?month??Utilities: $ 0.00
??Phone, cable, internet: $ 40.00 a month
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 0.00

Sorry to the people who help fund my last request, was waiting on copy of DL to be made i now have it. Thank you
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 could you tell me about the credit cards you are consolidating and the interest rates you are paying on those cards. - circle
A: Chase credit card 37% Visa credit card 39% Volocity credit union 22% (Dec-09-2010)
Q: Hi, it has been several weeks since your last loan request and still no credit cards are showing on your balance. Why? Also, could you please explain what the current approx. $9000 delinq. balance is due to? - VikingLender
A: I dont know why prosper is not showing my credit cards, It could be because the credit check system they use dont show it up, also to be honest my credit score shouldnt be 700+ it was in low 600 last time i checked. 9000 delinq is from student loans (Dec-10-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
visionary-currency$25.00$25.0012/6/2010 4:02:16 PM
money-bauble$25.00$25.0012/6/2010 4:24:03 PM
worthy-bid8$25.00$25.0012/6/2010 4:09:36 PM
kulender$50.00$50.0012/6/2010 4:09:50 PM
reflective-rupee$25.00$25.0012/6/2010 8:23:34 PM
paytonbrigadier$150.00$150.0012/7/2010 5:55:12 PM
banker65010$25.00$25.0012/8/2010 3:52:35 PM
shmb6508$100.00$100.0012/8/2010 3:47:15 PM
return-pumpkin7$25.00$25.0012/9/2010 6:02:28 PM
AlexTrep$25.00$25.0012/9/2010 4:16:35 PM
mrxtravis$49.61$49.6112/10/2010 1:54:24 AM
green-capital-hornet$25.00$25.0012/10/2010 2:25:01 PM
FASTIZIO_P$25.00$25.0012/10/2010 2:46:43 PM
copper$50.00$50.0012/11/2010 12:31:10 AM
flwah$25.00$25.0012/11/2010 1:05:01 AM
Comoparklender$50.00$50.0012/11/2010 1:51:40 PM
richboy56$25.00$25.0012/10/2010 10:08:26 PM
IIP77$25.00$25.0012/11/2010 12:30:38 AM
GladToHelpYou$37.86$37.8612/11/2010 1:06:39 PM
feb217$25.00$25.0012/11/2010 9:20:45 PM
gristle_mcthornbody$25.00$25.0012/12/2010 8:17:55 AM
benefit-admirer8$50.00$50.0012/11/2010 3:07:34 PM
britches613$25.00$25.0012/11/2010 7:36:45 PM
jwsun90$91.42$91.4212/11/2010 8:19:03 PM
kingston1$25.00$25.0012/12/2010 3:33:11 AM
dolphin2007$50.00$50.0012/12/2010 12:33:22 PM
graceful-investment$100.00$100.0012/6/2010 4:02:36 PM
ASR3$25.00$25.0012/6/2010 4:09:19 PM
alexgalt$50.00$50.0012/6/2010 4:46:20 PM
Artist_Blue$25.00$25.0012/6/2010 4:49:50 PM
Redmond$25.00$25.0012/6/2010 4:50:52 PM
jamiee73$25.00$25.0012/6/2010 7:09:26 PM
alexgalt$25.00$25.0012/6/2010 9:49:04 PM
retired272$25.00$25.0012/9/2010 1:11:09 PM
radiant-loan5$25.00$25.0012/9/2010 4:16:25 PM
auction-architect7$50.00$50.0012/10/2010 9:33:39 AM
Gibbyland$29.36$29.3612/10/2010 1:55:39 PM
tszbgae$50.00$50.0012/10/2010 2:24:56 PM
finance-prescription$50.00$50.0012/10/2010 4:32:36 PM
investment-visionary$30.92$30.9212/10/2010 10:38:21 PM
nickel-demon2$300.00$300.0012/11/2010 3:02:14 PM
wbwill$25.00$25.0012/12/2010 12:03:24 AM
note-mad-scientist$62.79$60.8312/12/2010 3:14:10 AM
43 bids
 
Borrower Payment Dependent Notes Series 486892
This series of Notes was issued and sold upon the funding of the borrower loan #45991, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-09-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $135.71
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Oct-1995 Debt/Income ratio: 24%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,249Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: beegees28 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
580-599 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Help us stay on the right track!
Purpose of loan:
This loan will be used to? pay off a payday loan and help us stay on the right track!? My wife and I fell on some hard times at the beginning of this year and financially we were hurting.? We had hoped to refinance our home which would take months.? Fortunately the refinance worked and lowered our house payment from $2400 to $1800!? We were thrilled until the paper work said we needed $3000 for closing costs and other fees that unfortunately couldn't be worked into the loan.? Because of our credit score at the time were we unable to obtain a loan from anyone.? Desperate, we ended up doing a payday loan....stupid, stupid, I know.? Like I said, desperate.? For the past two months we have to keep re-borrowing on this loan because we don't have the funds to pay it off in one lump sum.? Oh how nice it would be to be rid of this payday loan and have a normal monthly payment, that we can afford, with Prosper.? We realize the mistakes made by us in the past concerning our finances.? We have worked hard the last several month to raise our credit score and become more responsible when it comes to our money.? A great blessing that has happened is this month I was given a $400 dollar raise per pay check!? So this loan is absolutely affordable for us.? I just want to thank those who take an interest in our loan and I really appreciate your time and willingness to help.? Thank you!

My financial situation:
I am a good candidate for this loan because?our past history with our prosper loan was great!? We were so grateful to those that took interest in our loan and showed it by paying on time and we will be sure to do the same with this loan as well.

Monthly net income: $ 5800

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 100
??Car expenses: $ 640
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??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
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: Thank you for your interest in this loan. We own no HELOC on our home and we only have a first mortgage out on our home. Our current mortgage loan owed is $334,000 and according to zillow.com the estimated value of the home right now is $303,500. (Dec-11-2010)
Q: Hi there, could you explain the delinquencies in your record? Stay away from pay-day loans! Best of luck with this loan. - green-rapid-openness
A: Thank you for your interest in our loan. The delinquencies on our record are from earlier this year when we couldn't afford making our full house payments and paid partial payments while working with our mortgage company to refinance our loan. We feel confident with the refinance as it gave us an extra $600 that has helped tremendously along with the $400 raise. We are aware of the stupidity of pay-day loans which is why we hope to get this loan and be out of the pay-day loan trap. (Dec-11-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Skeptical-one$31.00$31.0012/9/2010 2:37:19 PM
Amber_Stone$100.00$100.0012/9/2010 8:27:01 PM
alexgalt$50.00$50.0012/9/2010 2:42:42 PM
TeaHouseFinance$25.00$25.0012/9/2010 6:26:21 PM
NekHoldings$25.00$25.0012/10/2010 5:48:39 AM
reflective-rupee$100.00$100.0012/10/2010 9:15:22 AM
mikeandcat$96.89$96.8912/10/2010 4:15:23 PM
supreme-hope$25.00$25.0012/10/2010 7:21:19 PM
SolarMoonshine$25.00$25.0012/11/2010 12:09:22 PM
big_balla_papi$30.00$30.0012/11/2010 1:05:25 AM
boodo$99.93$99.9312/11/2010 6:16:23 AM
britches613$25.00$25.0012/11/2010 7:49:42 PM
green-rapid-openness$100.00$100.0012/12/2010 8:47:58 PM
lucrative-loan$25.00$25.0012/13/2010 8:14:53 AM
CommunityArts_Non-profit$50.00$50.0012/12/2010 10:21:49 PM
BrighterSuns$25.00$25.0012/13/2010 9:41:46 AM
thankful-nickel2$25.00$25.0012/13/2010 4:10:32 PM
jbloans$25.00$25.0012/13/2010 4:04:38 PM
CatloverLady$27.00$27.0012/13/2010 6:29:31 PM
Mark-M$25.00$25.0012/13/2010 11:16:57 PM
credit-elation1$25.00$25.0012/14/2010 8:28:41 AM
FASTIZIO_P$25.00$25.0012/14/2010 2:59:47 PM
papaloha$177.00$177.0012/14/2010 3:09:29 PM
mrxtravis$26.20$26.2012/14/2010 3:17:42 PM
brondero$50.00$50.0012/14/2010 4:27:13 PM
850$50.00$50.0012/14/2010 8:18:55 PM
TeaHouseFinance$25.00$25.0012/14/2010 6:54:23 PM
gold-cluster$100.00$100.0012/14/2010 5:43:25 PM
boodo$87.46$87.4612/10/2010 8:09:32 AM
lendstats_com$300.00$300.0012/9/2010 4:59:23 PM
progressive-treasure1$100.00$100.0012/11/2010 8:31:14 AM
mikeandcat$90.87$90.8712/11/2010 11:36:51 AM
progressive-treasure1$50.00$50.0012/11/2010 2:46:55 PM
loanman2007$150.00$150.0012/12/2010 7:08:49 AM
Kash2010lu$50.00$50.0012/12/2010 8:18:21 AM
icanhasloanz$25.00$25.0012/12/2010 11:43:16 PM
economy-popcorn$25.00$25.0012/13/2010 1:54:26 PM
diversification-maple1$30.00$30.0012/13/2010 9:06:57 PM
zone6$100.00$58.2112/14/2010 5:43:07 AM
WonByOne$25.00$25.0012/14/2010 1:01:43 AM
luminous-payout6$25.00$25.0012/13/2010 5:40:37 PM
econgineer$28.28$28.2812/14/2010 9:01:45 AM
outofoffice$50.00$50.0012/14/2010 2:34:46 PM
ladyorayne$100.00$100.0012/13/2010 11:37:13 PM
yield-lion2$25.00$25.0012/14/2010 1:28:59 AM
Barrayaran$25.00$25.0012/14/2010 2:18:32 PM
bid-caballero$25.00$25.0012/14/2010 3:41:38 PM
sensible-fund$50.00$50.0012/14/2010 3:23:06 PM
Bob450$25.00$25.0012/14/2010 10:01:29 AM
innovator2$87.16$87.1612/14/2010 10:51:20 AM
fabulous-community4$25.00$25.0012/14/2010 1:01:43 PM
shrewd-income$75.00$75.0012/14/2010 4:34:56 PM
bluehen00$30.00$30.0012/14/2010 6:45:43 PM
travels536$25.00$25.0012/14/2010 8:12:50 PM
54 bids
 
Borrower Payment Dependent Notes Series 486954
This series of Notes was issued and sold upon the funding of the borrower loan #46000, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 60 months Estimated loss: 5.95% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
Final lender yield: 16.90% Final borrower rate/APR: 17.90% / 19.33% Final monthly payment: $380.09
 
Auction yield range: 6.00% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
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: May-2000 Debt/Income ratio: 16%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,076Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: dinero-atizer423 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some credit card, medical, and educational debt.

My financial situation: Good
I am a good candidate for this loan because?I have zero defaults on my credit and I work in finance. I have the income and ability to repay this loan.

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $1030
??Insurance: $112
??Car expenses: $0
??Utilities: $300
??Phone, cable, internet: $120
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $300
??Other expenses: $200 medical
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What are the current rates on your loans? - movia12
A: I have approximately 6k at 29%, 3k at 24% , 3k at 19%, and 1k at 9%. I have almost another 2k in medical debt that I am going to include into the loan. They are not charging interest but I want to stop their collection efforts without paying the balances with another hight interest rate credit card. (Dec-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0012/7/2010 2:55:26 PM
ThomasC$50.00$50.0012/7/2010 2:58:55 PM
Bank42$50.00$50.0012/7/2010 3:01:46 PM
indomitable-coin$50.00$50.0012/7/2010 3:10:55 PM
rss197$25.00$25.0012/7/2010 3:16:17 PM
dunox$50.00$50.0012/7/2010 2:56:51 PM
precious-gold3$50.00$50.0012/7/2010 2:56:55 PM
efficient-treasure0$25.00$25.0012/7/2010 2:57:56 PM
brightest-affluence-motivator$50.00$50.0012/7/2010 2:58:59 PM
thestartuplender$50.00$50.0012/7/2010 2:59:12 PM
gold-blanket0$25.00$25.0012/7/2010 3:00:00 PM
klinebarger$25.00$25.0012/7/2010 3:00:43 PM
Ripsaw4U$50.00$50.0012/7/2010 3:10:06 PM
Pulchritudinous$25.00$25.0012/7/2010 3:26:58 PM
Webpreneur$50.00$50.0012/7/2010 3:27:10 PM
enthralling-deal180$50.00$50.0012/7/2010 3:10:45 PM
UT-Longhorn$25.00$25.0012/7/2010 3:12:07 PM
trade-boots1$100.00$100.0012/7/2010 2:56:23 PM
Headhunter14$25.00$25.0012/7/2010 2:57:12 PM
velocity-solo$25.00$25.0012/7/2010 2:57:20 PM
Investoman$25.00$25.0012/7/2010 2:58:26 PM
riskreward$100.00$100.0012/7/2010 2:59:51 PM
kulender$50.00$50.0012/7/2010 3:28:09 PM
worthy-bid8$100.00$100.0012/7/2010 3:29:12 PM
money-bauble$25.00$25.0012/7/2010 6:18:15 PM
Tikibarman$100.00$100.0012/7/2010 3:14:50 PM
the-bright-velocity$25.00$25.0012/7/2010 6:49:03 PM
platinum-celebration4$25.00$25.0012/7/2010 3:26:02 PM
lendstats_com$200.00$200.0012/7/2010 5:24:03 PM
ichibon$250.00$250.0012/7/2010 3:28:24 PM
adamnash$25.00$25.0012/7/2010 11:11:26 PM
bowdish1$50.00$50.0012/7/2010 7:01:50 PM
investment-comet$25.00$25.0012/7/2010 9:29:52 PM
Sagenius$25.00$25.0012/8/2010 10:25:59 AM
banker65010$25.00$25.0012/8/2010 12:42:43 PM
chameleon125$25.00$25.0012/8/2010 6:35:21 AM
yarg$50.00$50.0012/8/2010 3:22:08 AM
influential-gain$38.53$38.5312/8/2010 12:39:15 PM
gnar$25.00$25.0012/8/2010 8:55:46 AM
commitment-symphony9$25.00$25.0012/8/2010 8:42:56 PM
first-upright-payout$25.00$25.0012/8/2010 4:38:24 PM
objective-investor$29.70$29.7012/9/2010 1:00:07 AM
dhughes2$25.00$25.0012/9/2010 6:04:54 AM
Bank_Of_XL$100.00$100.0012/8/2010 7:48:32 PM
P7E$50.00$50.0012/8/2010 9:08:31 PM
inspirationfoundation$25.00$25.0012/9/2010 8:51:37 AM
Bcs-cnc$25.00$25.0012/9/2010 11:47:46 AM
orderly-leverage$47.48$47.4812/9/2010 1:16:46 PM
dcap3$25.00$25.0012/9/2010 12:25:37 AM
benevolent-capital1$25.00$25.0012/9/2010 1:47:06 AM
melodious-fairness$29.51$29.5112/9/2010 4:01:45 AM
sci_guy$25.00$25.0012/9/2010 9:32:15 AM
narblark$29.00$29.0012/9/2010 9:38:29 AM
p2ploan-sensation211$25.00$25.0012/9/2010 4:09:55 PM
nycloan$50.00$50.0012/9/2010 5:18:37 PM
successful-agreement7$31.87$31.8712/10/2010 2:08:12 AM
gmilliken$25.00$25.0012/10/2010 8:56:45 AM
dollar-turtle$25.00$25.0012/9/2010 9:46:53 PM
calkidd05$25.00$25.0012/10/2010 9:26:44 AM
lostontheedge$25.00$25.0012/10/2010 9:36:23 AM
active-wealth0$25.00$25.0012/10/2010 7:56:27 AM
slobrown$50.00$50.0012/10/2010 9:33:28 AM
ore-seagull$50.00$50.0012/9/2010 9:31:43 PM
Tradesmanlender$35.00$35.0012/10/2010 9:36:32 AM
DSFinancial$50.00$50.0012/10/2010 10:52:50 AM
organized-power3$33.00$33.0012/10/2010 11:06:20 AM
life-is-great$50.00$50.0012/10/2010 11:06:49 AM
currency-cigar4$50.00$50.0012/10/2010 12:26:47 PM
fund-fox4$30.00$30.0012/10/2010 3:38:40 PM
joshua18$25.00$25.0012/10/2010 4:10:19 PM
gotyourgear$25.00$25.0012/10/2010 4:10:24 PM
pubnat$25.00$25.0012/10/2010 4:11:13 PM
ahansen$40.00$40.0012/10/2010 4:11:47 PM
selfmademan$25.00$25.0012/10/2010 4:12:44 PM
Elbanko$50.00$50.0012/10/2010 4:12:48 PM
loan-mammal$25.00$25.0012/10/2010 4:14:04 PM
Rick21$50.00$50.0012/10/2010 4:14:11 PM
angelinvestor2$50.00$50.0012/10/2010 4:14:16 PM
mketelecom$25.00$25.0012/10/2010 4:14:31 PM
Philosonie$25.00$25.0012/10/2010 4:14:40 PM
studious-bonus7$39.94$39.9412/10/2010 4:14:44 PM
saysana$25.00$25.0012/10/2010 4:14:52 PM
tsquared_030$39.96$39.9612/10/2010 4:22:12 PM
zebra806$73.46$73.4612/10/2010 4:23:53 PM
Bookophile$35.19$35.1912/10/2010 2:24:13 PM
bazaar-winner$25.00$25.0012/10/2010 7:34:19 PM
SNH$100.00$100.0012/10/2010 8:01:41 PM
mrack$25.00$25.0012/10/2010 8:51:28 PM
SAR-2$25.00$25.0012/10/2010 11:07:32 PM
snappy$36.11$36.1112/10/2010 4:10:29 PM
reward-tsunami7$50.00$50.0012/10/2010 4:10:35 PM
LiveNow$50.00$50.0012/10/2010 4:10:56 PM
SBT$25.00$25.0012/10/2010 4:10:59 PM
janus_god$25.00$25.0012/10/2010 4:11:31 PM
cropdust3r$25.00$25.0012/10/2010 4:11:38 PM
intuitive-camaraderi9$25.00$25.0012/10/2010 4:11:44 PM
kalex752$31.88$31.8812/10/2010 4:12:00 PM
harperpotok$50.00$50.0012/10/2010 4:14:07 PM
ti22ring$25.00$25.0012/10/2010 4:14:12 PM
bullwink27$25.00$25.0012/10/2010 4:14:21 PM
The_Lending_Muscle$25.00$25.0012/10/2010 4:14:28 PM
menays$50.00$50.0012/10/2010 4:14:33 PM
mmckune$25.00$25.0012/10/2010 4:14:41 PM
maven2$50.00$50.0012/10/2010 4:31:43 PM
balanced-treasure4$50.00$50.0012/10/2010 10:39:05 PM
lowestghost$26.24$9.6412/11/2010 12:09:49 AM
thankful-nickel2$25.00$25.0012/11/2010 8:55:05 AM
auction-formula$45.63$45.6312/10/2010 4:08:28 PM
valemic$25.00$25.0012/10/2010 4:10:37 PM
jenkris$50.00$50.0012/10/2010 4:10:39 PM
graceful-investment$100.00$100.0012/10/2010 4:11:06 PM
deal-enrichment$27.96$27.9612/10/2010 4:11:29 PM
IIP77$25.00$25.0012/10/2010 4:11:35 PM
peace-missile$25.00$25.0012/10/2010 4:11:45 PM
dreammachine$50.00$50.0012/10/2010 4:12:40 PM
schreibp$25.00$25.0012/10/2010 4:14:20 PM
stolirocks01$50.00$50.0012/10/2010 4:14:26 PM
ClearLake$25.00$25.0012/10/2010 4:14:34 PM
hrubinst$50.00$50.0012/10/2010 4:14:42 PM
Ready2Loan$25.00$25.0012/11/2010 1:41:41 PM
intuitive-hope9$25.00$25.0012/10/2010 4:26:44 PM
113121$25.00$25.0012/11/2010 5:02:46 AM
mtquan$25.00$25.0012/10/2010 4:41:32 PM
red-robust-rupee$25.00$25.0012/10/2010 4:51:29 PM
thetropics18$25.00$25.0012/10/2010 4:51:32 PM
bettylor$50.00$50.0012/10/2010 4:56:30 PM
Andersg$25.00$25.0012/11/2010 6:37:01 PM
skuba$25.00$25.0012/10/2010 8:56:33 PM
scottssm$46.00$46.0012/10/2010 9:36:33 PM
tender-ore$25.00$25.0012/11/2010 11:10:43 AM
BankofBeth$25.00$25.0012/11/2010 10:16:54 PM
KINGDOMVENDING$25.00$25.0012/11/2010 8:05:49 PM
BankOfBjoltus$50.00$50.0012/12/2010 4:06:01 AM
competent-p2p$25.00$25.0012/12/2010 12:31:36 PM
newest-courageous-openness$25.00$25.0012/11/2010 4:07:44 PM
econwhiz$28.47$28.4712/12/2010 10:00:01 PM
astro128$28.35$28.3512/13/2010 12:23:12 PM
velocity-onator$25.00$25.0012/13/2010 12:42:07 PM
wwwUniversal$25.00$25.0012/13/2010 10:50:26 AM
newiowa77$26.20$26.2012/13/2010 5:48:04 AM
ptclender$100.00$100.0012/13/2010 1:21:44 PM
shrewd-income$50.00$50.0012/13/2010 1:49:29 PM
justinology$51.70$51.7012/13/2010 10:00:01 AM
WZ3190$25.01$25.0112/13/2010 4:03:14 PM
first-liberty-duckling$51.70$51.7012/13/2010 4:34:34 PM
jcw3rd$25.00$25.0012/13/2010 6:46:05 PM
DackoDenk$25.00$25.0012/13/2010 7:21:29 PM
careful-compassion$25.00$25.0012/13/2010 4:51:56 PM
Saleen06$50.00$50.0012/13/2010 7:35:42 PM
crw1950$50.00$50.0012/13/2010 7:58:40 PM
Washington_Loan$25.00$25.0012/13/2010 5:17:16 PM
fund-javelin1$25.00$25.0012/13/2010 6:09:12 PM
StanTheMan$37.56$37.5612/13/2010 7:45:58 PM
1traveler$25.00$25.0012/13/2010 9:44:43 PM
Danjack_Capital$25.00$25.0012/13/2010 10:25:26 PM
salegalaxy$25.00$25.0012/14/2010 12:55:08 AM
ethicalhumanist$50.00$50.0012/13/2010 5:24:07 PM
market-network$25.00$25.0012/14/2010 10:05:19 AM
Richmp412$25.00$25.0012/14/2010 6:33:00 AM
truelumen$25.00$25.0012/13/2010 5:46:08 PM
rupeeapult$100.00$100.0012/13/2010 6:49:18 PM
brosco2323$25.00$25.0012/13/2010 7:07:40 PM
loss-of-control$50.00$50.0012/13/2010 7:15:30 PM
benefit-zoomer$56.86$56.8612/14/2010 11:49:47 AM
flshdaskll$26.55$26.5512/14/2010 11:52:28 AM
runbix7$25.00$25.0012/14/2010 12:07:31 PM
JUDAHiNVESTMENTGROUP$50.00$50.0012/14/2010 9:32:55 AM
gain-dolphin$25.00$25.0012/14/2010 9:55:13 AM
zooom7$50.00$50.0012/13/2010 9:28:37 PM
Easystreet$25.00$25.0012/14/2010 2:29:18 PM
leverage-monger$114.00$114.0012/14/2010 10:58:54 AM
Isotope$25.00$25.0012/14/2010 2:41:07 PM
accelerator96$25.00$25.0012/14/2010 7:16:48 AM
upright-silver$25.00$25.0012/14/2010 8:53:14 AM
Hobson$30.00$30.0012/14/2010 9:29:38 AM
DasMula$25.00$25.0012/14/2010 2:22:23 PM
subtle-revenue0$25.00$25.0012/7/2010 2:57:36 PM
WolRab$43.58$43.5812/7/2010 3:01:12 PM
lovely-order7$25.00$25.0012/7/2010 3:09:04 PM
careful-note$100.00$100.0012/7/2010 3:10:14 PM
jamiee73$25.00$25.0012/7/2010 3:11:12 PM
wonderful-dime$25.00$25.0012/7/2010 3:12:38 PM
meenan$50.00$50.0012/7/2010 3:13:01 PM
GElender$75.00$75.0012/7/2010 3:14:24 PM
rlgnyc$25.00$25.0012/7/2010 3:14:55 PM
jazzlender$25.00$25.0012/7/2010 2:54:50 PM
the-enterprising-leverage$25.00$25.0012/7/2010 3:27:49 PM
listing-trapper3$75.00$75.0012/7/2010 3:12:26 PM
richboy56$25.00$25.0012/7/2010 3:13:48 PM
the-dollar-topper$100.00$100.0012/7/2010 3:30:11 PM
natural-affluence4$25.00$25.0012/7/2010 2:56:28 PM
finance_mba$25.00$25.0012/7/2010 3:01:00 PM
commerce-yeller$50.00$50.0012/7/2010 3:01:33 PM
bid-czar8$100.00$100.0012/7/2010 3:27:22 PM
the-profit-oracle$25.00$25.0012/7/2010 5:23:45 PM
haidoken$32.61$32.6112/7/2010 3:49:11 PM
reflective-rupee$300.00$300.0012/7/2010 4:07:19 PM
superb-funds335$25.00$25.0012/7/2010 7:22:19 PM
ASR3$35.00$35.0012/7/2010 3:26:06 PM
AFairDeal$50.00$50.0012/7/2010 3:26:14 PM
kind-adventurous-finance$50.00$50.0012/7/2010 3:27:59 PM
handshake5$100.00$100.0012/7/2010 3:28:34 PM
Artist_Blue$25.00$25.0012/7/2010 3:29:10 PM
SimpleChoice$25.00$25.0012/7/2010 3:29:55 PM
FoosMaster$100.00$100.0012/7/2010 3:30:01 PM
newest-funds-powerplant$25.00$25.0012/7/2010 9:35:58 PM
108lender$50.00$50.0012/7/2010 6:44:46 PM
JustMee$25.00$25.0012/8/2010 7:06:52 AM
paytonbrigadier$250.00$250.0012/7/2010 5:54:34 PM
mrgrumpy$100.00$100.0012/8/2010 12:48:49 PM
power-trophy7$25.00$25.0012/8/2010 1:56:49 PM
reinforced-revenue069$25.00$25.0012/7/2010 8:29:00 PM
unflappable-balance5$50.00$50.0012/8/2010 9:34:13 AM
navstox$40.00$40.0012/7/2010 10:58:33 PM
ptjg$50.00$50.0012/8/2010 3:17:05 AM
balance-warrior$25.00$25.0012/8/2010 9:22:20 AM
nilonc1$250.00$250.0012/8/2010 9:26:14 AM
worthy-truth$25.00$25.0012/8/2010 10:28:23 AM
BigLinCT$25.00$25.0012/8/2010 3:53:27 PM
gold-channel2$50.00$50.0012/8/2010 4:38:26 PM
jrbill1998$50.00$50.0012/8/2010 2:03:56 PM
emt747$25.00$25.0012/8/2010 2:11:44 PM
moneysong$200.00$200.0012/8/2010 2:36:52 PM
capitalist2010$25.00$25.0012/8/2010 3:41:55 PM
SelectTrustLending$25.00$25.0012/8/2010 8:56:44 PM
Gabriel02$25.00$25.0012/8/2010 3:20:16 PM
wtrboy$50.00$50.0012/9/2010 5:20:15 AM
wayman$50.00$50.0012/8/2010 4:38:25 PM
nekbet$30.00$30.0012/9/2010 10:06:44 AM
payout-detective7$25.00$25.0012/8/2010 4:39:17 PM
nickel-ferret$50.00$50.0012/9/2010 8:28:04 AM
economy-producer$25.00$25.0012/8/2010 6:57:55 PM
gold-achievement$25.00$25.0012/8/2010 7:31:55 PM
alexstar$25.00$25.0012/8/2010 7:52:22 PM
E_G$50.00$50.0012/8/2010 10:03:53 PM
SMARTDISK$25.00$25.0012/9/2010 9:52:07 AM
brother_tam$50.00$50.0012/9/2010 12:40:01 AM
credit-kahuna$50.00$50.0012/9/2010 1:15:25 AM
Cherrypicker$50.00$50.0012/9/2010 3:23:18 PM
rockstar78$50.00$50.0012/9/2010 8:33:13 AM
TennSquire$25.00$25.0012/9/2010 9:33:23 AM
payout-alien6$25.00$25.0012/9/2010 10:00:13 AM
thoughtful-community7$25.00$25.0012/9/2010 10:30:31 AM
chlebie$25.00$25.0012/9/2010 5:16:06 PM
SLJ3$25.00$25.0012/9/2010 2:44:49 PM
auction-seeker$25.00$25.0012/9/2010 6:45:24 PM
riproaringrapids$25.00$25.0012/10/2010 7:41:33 AM
direct-yield$25.00$25.0012/10/2010 3:51:40 AM
sshgfwb$25.00$25.0012/10/2010 11:45:01 AM
nekbet$40.00$40.0012/10/2010 6:45:53 AM
Hola_James$25.00$25.0012/10/2010 1:50:53 PM
MrMoney0622$25.00$25.0012/10/2010 9:16:42 AM
golden-platinum7$25.00$25.0012/10/2010 9:16:47 AM
unassassinable$25.00$25.0012/10/2010 2:06:42 PM
RicheyRich$25.00$25.0012/10/2010 5:37:44 AM
valiant-liberty4$25.00$25.0012/10/2010 1:34:56 PM
auction-architect7$50.00$50.0012/10/2010 9:33:47 AM
trail8631$26.86$26.8612/10/2010 12:29:29 PM
omniviper$25.00$25.0012/10/2010 4:10:05 PM
leebus$25.00$25.0012/10/2010 4:10:26 PM
ericd523$25.00$25.0012/10/2010 4:11:08 PM
Weaverville$47.06$47.0612/10/2010 4:11:30 PM
joyous-revenue4$50.00$50.0012/10/2010 4:11:41 PM
RgPro$50.00$50.0012/10/2010 4:12:10 PM
djmgd790$50.00$50.0012/10/2010 4:12:22 PM
community-seahorse0$25.00$25.0012/10/2010 4:14:00 PM
responsibility-butterfly$25.00$25.0012/10/2010 4:14:06 PM
radiant-fund$50.00$50.0012/10/2010 4:14:14 PM
gracej$25.00$25.0012/10/2010 4:14:17 PM
taxguy1040$50.00$50.0012/10/2010 4:14:21 PM
trustworthy-fairness$50.00$50.0012/10/2010 4:14:28 PM
dinero-speaker$25.00$25.0012/10/2010 4:14:35 PM
moneygeek$50.00$50.0012/10/2010 4:14:47 PM
red-unequivocal-finance$25.00$25.0012/10/2010 4:14:54 PM
KiwiElf$30.00$30.0012/10/2010 4:37:38 PM
DrNano$50.00$50.0012/10/2010 6:31:33 PM
williemc44$50.00$50.0012/10/2010 3:38:57 PM
Putnum$25.00$25.0012/10/2010 8:51:29 PM
wampum-chorus3$25.00$25.0012/10/2010 4:07:47 PM
taurusco$25.00$25.0012/10/2010 4:10:31 PM
omerta6102$50.00$50.0012/10/2010 4:10:48 PM
Dubbs360$25.00$25.0012/10/2010 4:10:57 PM
2bnforlife$25.00$25.0012/10/2010 4:11:26 PM
porter22$25.00$25.0012/10/2010 4:11:37 PM
jw1672$25.00$25.0012/10/2010 4:11:42 PM
jtradition$50.00$50.0012/10/2010 4:12:06 PM
MarinLoans$25.00$25.0012/10/2010 4:14:01 PM
benefit-piano5$25.00$25.0012/10/2010 4:14:08 PM
LenderByDay$25.00$25.0012/10/2010 4:14:19 PM
agile-diversification2$25.00$25.0012/10/2010 4:14:25 PM
shingu79$50.00$50.0012/10/2010 4:14:29 PM
ommcd$25.00$25.0012/10/2010 4:14:37 PM
understanding-affluence5$30.00$30.0012/10/2010 4:14:49 PM
SLJ3$25.00$25.0012/10/2010 6:59:01 PM
marilyn7$50.00$50.0012/10/2010 10:28:02 PM
kanewna$38.37$38.3712/10/2010 3:42:46 PM
authentic-liberty7$25.00$25.0012/10/2010 3:43:02 PM
Relevance$25.00$25.0012/10/2010 4:10:02 PM
night0wl$25.00$25.0012/10/2010 4:10:23 PM
compwhiz$25.00$25.0012/10/2010 4:10:38 PM
Mariner3605$50.00$50.0012/10/2010 4:10:41 PM
velocity-turtle$50.00$50.0012/10/2010 4:11:01 PM
balance-whistle7$25.00$25.0012/10/2010 4:11:27 PM
LenderOnWheels$25.00$25.0012/10/2010 4:11:39 PM
LandE2BG$25.00$25.0012/10/2010 4:12:09 PM
brazilofmux$100.00$100.0012/10/2010 4:12:42 PM
ddog0224$25.00$25.0012/10/2010 4:14:13 PM
best-platinum-persimmon$100.00$100.0012/10/2010 4:14:22 PM
brainy-repayment5$50.00$50.0012/10/2010 4:14:30 PM
gold-sushi$25.00$25.0012/10/2010 4:32:17 PM
lendinstuff$46.54$46.5412/10/2010 4:41:30 PM
zeelender$25.00$25.0012/10/2010 4:51:30 PM
compassionate-commerce$25.00$25.0012/11/2010 3:53:59 PM
back-scratchers$25.00$25.0012/10/2010 7:46:55 PM
Maggie3$25.00$25.0012/12/2010 5:24:42 AM
encore739$25.00$25.0012/11/2010 4:58:58 PM
wampum-chorus3$30.30$30.3012/11/2010 3:32:17 AM
PAULBOT$300.00$300.0012/11/2010 5:44:00 AM
EODLEGS$25.00$25.0012/11/2010 3:50:25 PM
gristle_mcthornbody$25.00$25.0012/12/2010 11:29:03 AM
KINGDOMVENDING$27.67$27.6712/11/2010 8:01:41 PM
mlb1$25.00$25.0012/13/2010 12:03:01 AM
japerk$25.00$25.0012/12/2010 3:17:35 PM
loss-of-control$25.00$25.0012/12/2010 5:44:20 PM
SLJ3$25.00$25.0012/13/2010 12:43:01 PM
jcquiroz$50.00$50.0012/13/2010 11:23:10 AM
grampy48$25.00$25.0012/13/2010 1:56:54 PM
davidmanheim$25.00$25.0012/13/2010 11:21:19 AM
FundMaker$25.50$25.5012/13/2010 5:33:56 PM
rinyt$25.00$25.0012/13/2010 7:22:42 PM
jtc26$71.97$71.9712/13/2010 4:07:50 PM
fighter122$25.00$25.0012/13/2010 11:20:49 PM
rockhound84$25.00$25.0012/14/2010 12:32:19 AM
palex$25.00$25.0012/13/2010 8:26:27 PM
diversification-enlistment$25.00$25.0012/13/2010 8:41:46 PM
Goddess-4-one$35.70$35.7012/13/2010 8:53:47 PM
benefit-flow$50.00$50.0012/13/2010 9:04:13 PM
gjm6d$25.00$25.0012/14/2010 9:47:46 AM
j5505$138.00$138.0012/14/2010 6:32:21 AM
CSinvestments$25.00$25.0012/13/2010 5:54:51 PM
zacd$25.00$25.0012/13/2010 6:12:50 PM
ilend57$25.00$25.0012/13/2010 6:39:58 PM
Dollars4Rent$25.00$25.0012/14/2010 11:32:30 AM
loss-of-control$50.00$50.0012/13/2010 7:15:57 PM
friendinmoney$25.00$25.0012/14/2010 9:00:33 AM
forthright-trade$25.00$25.0012/14/2010 10:10:23 AM
integrity-doctor$100.00$100.0012/14/2010 2:45:11 PM
rapid-currency$43.58$43.5812/14/2010 11:12:21 AM
hebergee$25.00$25.0012/14/2010 12:26:06 PM
friendinmoney$25.00$25.0012/14/2010 12:31:59 PM
mpatrick$25.00$25.0012/14/2010 12:38:39 PM
Astyanax$50.00$50.0012/14/2010 12:57:50 PM
dollar-authority$200.00$200.0012/14/2010 1:40:13 PM
FinanceEngine$25.00$25.0012/14/2010 3:58:20 AM
LARRY4NY$25.00$25.0012/14/2010 5:21:50 AM
Watersports$50.00$50.0012/14/2010 2:49:33 PM
triumph329$50.00$50.0012/14/2010 6:03:28 AM
Vans1975$31.00$31.0012/14/2010 10:45:28 AM
358 bids
 
Borrower Payment Dependent Notes Series 486966
This series of Notes was issued and sold upon the funding of the borrower loan #45929, 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-07-2010 
  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): 6 First credit line: Mar-1993 Debt/Income ratio: 21%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,910Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: penny-bull5 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
Paying off emergent bills
Purpose of loan:
This loan will be used to close a few open accounts created to pay for emergent needs in the last 3 months.

My financial situation:
I am a good candidate for this loan because I do not miss payments and have always fulfilled my obligations to lenders.

Monthly net income: $ 6458.34

Monthly expenses (including Housing): $?2795.64
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's your job? why do you have 5 recent inquiries - p2ploan-sensation211
A: I am a Technical Writer Level 3 with a defense and technology company. The recent inquiries were associated with refinancing my home and a misunderstanding between me and a used car company that had a vehicle I was considering purchasing. I was told that the information I provided before the test drive would only be filed if I elected to purchase the vehicle. Instead, after I left the lot, this information was shared with various loan agencies and credit unions they do business with. (Dec-10-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
nickel-hickory$50.00$50.0012/7/2010 2:57:05 PM
greenback-guard$25.00$25.0012/7/2010 2:56:41 PM
money-bauble$25.00$25.0012/7/2010 3:10:27 PM
bid-czar8$100.00$100.0012/7/2010 3:27:28 PM
diplomatic-wealth7$25.00$25.0012/7/2010 3:27:35 PM
fair-peace7$25.00$25.0012/7/2010 3:11:55 PM
Redmond$25.00$25.0012/7/2010 3:29:22 PM
integrity-liberator$50.00$50.0012/7/2010 3:14:02 PM
the-dollar-topper$100.00$100.0012/7/2010 3:30:22 PM
Tikibarman$100.00$100.0012/7/2010 3:14:45 PM
symbiosis$50.00$50.0012/7/2010 3:32:47 PM
simplelender80$100.00$100.0012/7/2010 3:27:53 PM
Thylow$25.00$25.0012/7/2010 5:17:02 PM
ichibon$25.00$25.0012/7/2010 3:29:45 PM
vigorous-velocity$50.00$50.0012/7/2010 3:32:58 PM
paytonbrigadier$150.00$150.0012/7/2010 5:55:26 PM
FinDoc$30.00$30.0012/7/2010 7:31:31 PM
Thylow$100.00$100.0012/7/2010 5:14:44 PM
bankbuddy55$50.00$50.0012/7/2010 7:43:05 PM
ASR3$35.00$35.0012/7/2010 3:26:42 PM
Artist_Blue$25.00$25.0012/7/2010 3:28:43 PM
bountiful-durability$100.00$100.0012/8/2010 7:48:45 AM
first-serene-credit$25.00$25.0012/8/2010 1:31:14 PM
rapid-credit428$25.00$25.0012/8/2010 2:37:44 PM
navstox$25.00$25.0012/7/2010 10:47:33 PM
reflective-rupee$100.00$100.0012/8/2010 9:25:59 AM
inspiring-reward$100.00$100.0012/8/2010 10:17:10 AM
EBITDA$25.00$25.0012/9/2010 3:21:40 AM
orange-dollar-guild$25.00$25.0012/9/2010 8:01:35 AM
greencat$50.00$50.0012/9/2010 8:08:57 AM
fund-secret-agent$25.00$25.0012/9/2010 3:33:05 AM
encore06$25.00$25.0012/9/2010 7:21:35 AM
rmachi$25.00$25.0012/9/2010 10:31:32 AM
verdiprr$100.00$100.0012/9/2010 7:41:52 AM
LAM26$25.00$25.0012/9/2010 11:00:33 AM
burrito6$25.00$25.0012/9/2010 8:01:38 AM
shrewd-peace7$25.00$25.0012/9/2010 7:59:52 AM
d_grbg$25.00$25.0012/9/2010 3:42:11 PM
Mariner3605$27.04$27.0412/9/2010 9:25:36 AM
banker65010$25.00$25.0012/9/2010 9:49:14 AM
Gibbyland$50.00$50.0012/9/2010 10:46:39 AM
bulsa$100.00$13.3012/9/2010 11:00:43 AM
mammalian4$50.00$50.0012/10/2010 8:11:08 AM
spiff666$25.00$25.0012/11/2010 7:58:16 AM
p2ploan-sensation211$50.00$50.0012/11/2010 5:28:02 PM
Bob450$25.00$25.0012/11/2010 5:59:54 PM
1stBankAndHal$25.06$25.0612/11/2010 10:20:59 AM
nickel-hickory$50.00$50.0012/11/2010 8:24:57 PM
gristle_mcthornbody$25.00$25.0012/12/2010 11:37:40 AM
nickel-position$25.00$25.0012/12/2010 3:29:09 PM
natural-trade7$100.00$100.0012/12/2010 6:46:52 PM
worthy-bid8$50.00$50.0012/7/2010 3:11:42 PM
Bank42$50.00$50.0012/7/2010 3:01:53 PM
graceful-investment$100.00$100.0012/7/2010 3:08:22 PM
Thylow$100.00$100.0012/7/2010 3:25:56 PM
secureincome$2,000.00$2,000.0012/7/2010 2:56:02 PM
ukstevenhawaii$100.00$100.0012/7/2010 2:59:33 PM
finance_mba$25.00$25.0012/7/2010 3:00:53 PM
handshake5$100.00$100.0012/7/2010 3:29:31 PM
visionary-currency$50.00$50.0012/7/2010 3:12:24 PM
Aragorn$25.00$25.0012/7/2010 3:13:31 PM
Thylow$25.00$25.0012/7/2010 3:15:02 PM
balance-handshake7$50.00$50.0012/7/2010 4:07:32 PM
DonaldColorado$50.00$50.0012/7/2010 3:27:16 PM
SolarMoonshine$25.00$25.0012/7/2010 5:33:23 PM
kulender$50.00$50.0012/7/2010 3:28:12 PM
soulful-truth$137.47$137.4712/7/2010 6:19:39 PM
pixeldave$40.06$40.0612/8/2010 6:52:06 AM
investment-comet$25.00$25.0012/7/2010 9:31:39 PM
nilonc1$150.00$150.0012/7/2010 6:32:57 PM
dedicated-transaction796$49.07$49.0712/8/2010 10:13:15 AM
108lender$50.00$50.0012/8/2010 10:47:39 AM
gold-channel2$50.00$50.0012/8/2010 12:01:47 PM
leverage-trident$25.00$25.0012/8/2010 5:56:45 AM
commitment-symphony9$25.00$25.0012/7/2010 8:03:14 PM
dollar-sonnet3$50.00$50.0012/8/2010 8:03:14 AM
FeedTheMachine$50.00$50.0012/8/2010 10:16:56 AM
jamiee73$25.00$25.0012/8/2010 7:48:36 AM
ThatDanGuy$100.00$100.0012/8/2010 7:48:39 AM
Q9-X3$25.00$25.0012/8/2010 5:19:16 PM
RebuildALife$25.00$25.0012/8/2010 2:41:40 PM
economy-producer$25.00$25.0012/8/2010 6:51:35 PM
troile$25.00$25.0012/8/2010 3:57:44 PM
Interstate_Rate$100.00$100.0012/8/2010 4:16:51 PM
treasure-bliss$50.00$50.0012/9/2010 1:00:38 AM
the-determined-value$50.00$50.0012/8/2010 11:23:57 PM
Soxxes$25.00$25.0012/9/2010 9:16:37 AM
traice$25.00$25.0012/9/2010 9:09:25 AM
dime-futurist$25.00$25.0012/8/2010 9:53:28 PM
Use_It_Wisely$25.00$25.0012/9/2010 9:57:45 AM
thankful-nickel2$25.00$25.0012/9/2010 7:44:13 PM
attractive-point5$50.00$50.0012/10/2010 9:10:07 AM
golffish2$100.00$100.0012/10/2010 5:32:28 AM
back-scratchers$25.00$25.0012/10/2010 5:33:55 PM
periko$25.00$25.0012/11/2010 7:45:47 AM
glroark$50.00$50.0012/11/2010 10:19:09 AM
kendallv$25.00$25.0012/11/2010 2:41:25 PM
nickel-hickory$50.00$50.0012/11/2010 8:24:24 PM
nickel-hickory$50.00$50.0012/11/2010 8:24:37 PM
ZPBSFinancialGroup$25.00$25.0012/11/2010 6:21:53 PM
new-social-economist$60.00$60.0012/11/2010 10:34:36 PM
nickel-hickory$58.00$58.0012/11/2010 8:25:08 PM
Kash2010lu$25.00$25.0012/12/2010 3:41:13 PM
kc8fot$50.00$50.0012/13/2010 1:08:54 AM
104 bids
 
Borrower Payment Dependent Notes Series 487052
This series of Notes was issued and sold upon the funding of the borrower loan #45905, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-08-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $87.33
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $87.33
 
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: Aug-1989 Debt/Income ratio: 11%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 5Length of status:16y 6m
Amount delinquent: $8,252 Total credit lines: 9 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $908Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: brightest-relentless-treasure Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying down some debt.
Purpose of loan:
This loan will be used to?pay down some debt and get?back on track for the new year?

My financial situation:
I am a good candidate for this loan because? My bussiness has picked up on bussiness lately

Monthly net income: $ 3,225

Monthly expenses: $ 3,000
??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: Please explain the delinquency shown on your Prosper credit profile. Thanks and best wishes. - reflective-rupee
A: I am the VP of a commercial painting company and had a couple of slow months. Bussiness has picked up alot since but in the process of waiting on money to come in, I had to pay my employees before I could pay myself. I went a few weeks without paying myself. This is why I am needing this loan. (Dec-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
precious-coin3$25.00$25.0012/7/2010 3:01:38 PM
paytonbrigadier$200.00$200.0012/8/2010 7:48:46 AM
secureincome$2,000.00$1,775.0012/7/2010 2:56:12 PM
3 bids
 
Borrower Payment Dependent Notes Series 487122
This series of Notes was issued and sold upon the funding of the borrower loan #46026, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 26.46% Starting monthly payment: $154.84
Final lender yield: 22.00% Final borrower rate/APR: 23.00% / 26.46% Final monthly payment: $154.84
 
Auction yield range: 10.51% - 22.00% Estimated loss impact: 10.33%  
Lender servicing fee: 1.00% Estimated return: 11.67%  
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-2000 Debt/Income ratio: 42%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,950Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: PiperLynne 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: 30 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2010)
660-679 (Apr-2008)
 
Principal balance: $1,041.84 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
SRLSY! Help a girl out here!
Purpose of loan:
This loan will be used to? Consolidate the $3000 in credit card debt accrued going BACK to school and the prosper loan from almost 3 years ago.? This will help me save about $200 a month on credit card bills and make Christmas a LITTLE better for my family.? If you want to know my interest rates on my cards, feel free to ask!

My financial situation:
I am a good candidate for this loan because? I had a wonderful experience with my first loan here.? I am employed full-time with the same company for over 7 years and pay all my bills on time.

Monthly net income: $18,200 AFTER taxes.

Monthly expenses: $
??Housing: $ 0.00 - Live with the parents
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 0.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 200
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 200-250
??Other expenses: $ 140? (Gas to and from work)
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 bidding because I like your hat!!! :) - hamster
A: Thanks so much! My ex-friend makes and sells them for $8. If you are interested, she makes them to order on etsy.com seller name: justasmidgeofsassy. (Dec-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CA_Lender$25.00$25.0012/8/2010 2:51:41 PM
tech310$50.00$50.0012/8/2010 5:06:56 PM
good4loan$25.00$25.0012/8/2010 4:45:01 PM
TheAlchemist$25.00$25.0012/9/2010 6:36:35 AM
Bcs-cnc$26.28$26.2812/10/2010 5:33:45 AM
BankerBoy414$25.00$25.0012/10/2010 2:26:08 PM
malar$34.00$34.0012/10/2010 5:43:04 PM
head$25.00$25.0012/11/2010 7:38:05 AM
competent-p2p$50.00$50.0012/11/2010 8:09:38 AM
adam_rodgers$50.00$50.0012/11/2010 2:46:38 AM
Milonguero$100.00$100.0012/12/2010 10:00:24 AM
BrighterSuns$25.00$25.0012/12/2010 11:53:20 AM
SolarMoonshine$25.00$25.0012/12/2010 2:58:25 PM
vine99$50.00$50.0012/12/2010 2:45:31 PM
kind-responsible-affluence$25.00$25.0012/12/2010 4:32:04 PM
pioneer580$50.00$50.0012/13/2010 5:51:58 AM
mohara25$52.16$28.5512/13/2010 12:30:07 PM
Brown98$25.00$25.0012/13/2010 8:19:18 PM
goodcents$40.00$40.0012/13/2010 7:58:32 PM
Bob450$25.00$25.0012/14/2010 10:00:27 AM
investment-artist$50.00$50.0012/14/2010 7:42:59 AM
Feyenoord$25.00$25.0012/14/2010 4:48:28 PM
convergentthinker$25.00$25.0012/14/2010 7:10:08 PM
friendinmoney$25.00$25.0012/14/2010 9:16:54 PM
transparency-boss439$100.00$100.0012/14/2010 11:52:08 PM
economy-popcorn$25.00$25.0012/15/2010 5:36:00 AM
pioneer580$50.00$50.0012/14/2010 10:19:38 PM
Leshan$75.00$75.0012/15/2010 8:31:35 AM
radiant-fund$25.00$25.0012/15/2010 9:25:25 AM
loss-of-control$50.00$50.0012/14/2010 5:20:21 PM
fairness-atmosphere$25.00$25.0012/15/2010 12:36:25 PM
dyermaker001$50.00$50.0012/15/2010 12:49:55 PM
dudebrah$25.00$25.0012/14/2010 10:47:18 PM
interloode$213.65$213.6512/15/2010 10:04:17 AM
dedicated-transaction796$33.02$33.0212/15/2010 11:35:03 AM
yons88$25.00$25.0012/15/2010 1:54:59 PM
UCLA4life$25.00$25.0012/8/2010 3:09:50 PM
dollardave$35.56$35.5612/9/2010 1:07:12 AM
nilonc1$100.00$100.0012/8/2010 5:04:05 PM
foofiter$50.00$50.0012/10/2010 11:08:55 AM
ac787$50.00$50.0012/9/2010 5:36:25 PM
relentless-penny$200.00$200.0012/10/2010 1:24:08 PM
reflective-rupee$400.00$400.0012/10/2010 4:04:27 PM
knark$25.00$25.0012/11/2010 12:13:54 PM
mneinc$50.00$50.0012/11/2010 8:27:06 AM
bazaar-winner$25.00$25.0012/10/2010 7:54:44 PM
hamster$31.92$31.9212/12/2010 1:48:01 PM
tender-transaction$25.00$25.0012/13/2010 11:18:32 AM
cupcake9$25.00$25.0012/13/2010 4:46:36 PM
grnii78$100.00$100.0012/14/2010 6:37:04 AM
LakeShoreLending$25.00$25.0012/14/2010 5:18:43 PM
PCity-LOA15$25.00$25.0012/14/2010 5:53:29 PM
fizicks06$50.00$50.0012/14/2010 10:15:54 PM
Trakissta$300.00$300.0012/14/2010 8:05:35 PM
chameleon125$50.00$50.0012/15/2010 6:25:33 AM
goodhearted-basis4$25.00$25.0012/14/2010 10:08:01 PM
payout-reaction740$25.00$25.0012/15/2010 12:33:01 AM
trumpeter5$35.00$35.0012/15/2010 7:42:29 AM
Moe87$25.00$25.0012/15/2010 3:40:03 AM
Astyanax$75.00$75.0012/15/2010 10:21:57 AM
atlas100$150.00$150.0012/15/2010 10:36:31 AM
guardian3$25.00$25.0012/15/2010 12:41:57 PM
silvercertificate$25.00$25.0012/15/2010 8:17:39 AM
Vans1975$38.00$38.0012/15/2010 12:57:34 PM
enthralling-investment$40.00$40.0012/15/2010 1:03:49 PM
JerryB96$25.00$25.0012/15/2010 9:34:04 AM
jlr1516$25.00$25.0012/14/2010 11:36:09 PM
SkyLoan$25.00$25.0012/15/2010 12:28:59 PM
crawfishcentral$25.58$25.5812/15/2010 12:31:36 PM
Lender404$25.00$25.0012/15/2010 12:42:54 PM
dough-hammock$25.00$25.0012/15/2010 12:46:15 PM
mammalian4$25.00$25.0012/15/2010 1:54:36 PM
value-rapture$25.00$25.0012/15/2010 10:05:51 AM
foldingbenny2$60.00$60.0012/15/2010 10:31:16 AM
CabaSteelz$83.44$83.4412/15/2010 11:00:05 AM
wealth-pipeline$25.00$25.0012/15/2010 11:06:21 AM
RecoveryLender$25.00$25.0012/15/2010 11:35:02 AM
77 bids
 
Borrower Payment Dependent Notes Series 487124
This series of Notes was issued and sold upon the funding of the borrower loan #45902, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-08-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 38.44% Starting monthly payment: $43.67
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 38.44% Final monthly payment: $43.67
 
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: Jul-1980 Debt/Income ratio: 29%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 32Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,488 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: DBCS1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 77% ) 700-719 (Latest)
Principal borrowed: $10,200.00< 31 days late: 6 ( 23% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Paying property Tax
Purpose of loan:
This loan will be used to? Purpose of loan:
This loan will be used to? Pay second installment 2009 property tax which was delayed this year and is falling on the Christmas holiday season. TERRIBLE ERROR: PLEASE BE ADVISED THIS LOAN WAS FULLY FUNDED ON 12-6-10 AND I CANCELED IT BY MISTAKE WHEN I WAS CONFUSED BY INSTRUCTIONS......NOW I HAVE RE-POSTED IT. Thanks

My financial situation:
I am a good candidate for this loan because? I have a reliable fixed monthly income from Civil Service retirement, VA service connected disability, and spousal share of wife's social security. I have direct deposit of all sources of my income.

My financial situation:
I am a good candidate for this loan because? I am very reliable and pride myself in having no late payments on any of my accounts including mortgage payments and credit cards. In July of 2010 I finished pre-paying a $10,200 3 year Prosper loan 8 months early. I was in a group called Christian Investors but it appears they are no longer an active group because they did not respond to my inquiries.This was my only other loan through Prosper and I will be glad to answer any questions regarding my current loan request. Please notice my credit credit score has improved and is above what it was 2 years ago when I wax was funded for my other Prosper loan. My net monthly income is my own and separate from my wife's income.

Monthly net income: $ 3,830

Monthly expenses: $ 3042
??Housing: $ 1400
??Insurance: $212
??Car expenses: $ 295
??Utilities: $250
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0012/8/2010 2:51:14 PM
graceful-investment$100.00$100.0012/8/2010 2:48:18 PM
reflective-rupee$25.00$25.0012/8/2010 2:54:45 PM
secureincome$1,000.00$775.0012/8/2010 2:52:26 PM
worthy-bid8$50.00$50.0012/8/2010 2:51:26 PM
5 bids
 
Borrower Payment Dependent Notes Series 487160
This series of Notes was issued and sold upon the funding of the borrower loan #46003, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $218.33
 
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: May-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,370Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: wampum-hyperdrive Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Short loan needed to grow business
Purpose of loan:
This loan will be used as bridge financing until new long-term consulting contracts are signed for 2011. Three are in final negotiations for 1/1/2011 kickoff.? One is for $180,000 another for $150,000 and a third for $75,000.? In addition, a new project are slated to begin on 12/9/10 and 12/13/10 generating an additional $12,000 per month for the next 3 months.? Throughout the market downturn I've continued to fight for new business and it is finally here!? My perseverance is finally paying off.


My financial situation:
I am a good candidate for this loan because I am committed to maintaining a solid reputation with all entities I deal with, my clients, banks, and vendors.? In my consulting business, my reputation is absolutely critical to ensuring my ongoing success.

Monthly net income: $10000

Monthly expenses: $ 5800
??Housing: $ 1400
??Insurance: $ 150
??Car expenses: $200
??Utilities: $ 600
??Phone, cable, internet: $350
??Food, entertainment: $1300
??Clothing, household expenses $400
??Credit cards and other loans: $1200
??Other expenses: $ 200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
secureincome$2,000.00$2,000.0012/8/2010 2:52:28 PM
ukstevenhawaii$100.00$100.0012/8/2010 2:54:21 PM
finance_mba$25.00$25.0012/8/2010 2:55:14 PM
ASR3$35.00$35.0012/8/2010 3:00:49 PM
Artist_Blue$25.00$25.0012/8/2010 3:03:50 PM
ichibon$25.00$25.0012/8/2010 3:05:18 PM
Bank42$50.00$50.0012/8/2010 2:55:31 PM
Aragorn$25.00$25.0012/8/2010 2:56:56 PM
bid-czar8$100.00$100.0012/8/2010 3:01:43 PM
diplomatic-wealth7$25.00$25.0012/8/2010 3:01:53 PM
kulender$50.00$50.0012/8/2010 3:02:45 PM
the-dollar-topper$100.00$100.0012/8/2010 3:05:39 PM
symbiosis$50.00$35.0012/8/2010 3:06:32 PM
worthy-bid8$50.00$50.0012/8/2010 2:51:28 PM
Tikibarman$100.00$100.0012/8/2010 2:57:36 PM
TeaHouseFinance$25.00$25.0012/8/2010 11:29:17 PM
Redmond$25.00$25.0012/8/2010 3:04:42 PM
handshake5$100.00$100.0012/8/2010 3:05:04 PM
fund-secret-agent$25.00$25.0012/9/2010 3:33:42 AM
BritDad$25.00$25.0012/9/2010 10:23:15 PM
mammalian4$50.00$50.0012/10/2010 9:38:27 AM
green-grower$100.00$100.0012/11/2010 5:17:20 PM
Bob450$25.00$25.0012/11/2010 6:02:08 PM
DonaldColorado$50.00$50.0012/8/2010 3:01:24 PM
greenback-guard$25.00$25.0012/8/2010 8:11:59 PM
simplelender80$100.00$100.0012/8/2010 3:02:27 PM
nilonc1$100.00$100.0012/8/2010 3:03:44 PM
greencat$50.00$50.0012/9/2010 8:12:58 AM
benefit-crescendo$25.00$25.0012/9/2010 7:59:15 PM
scrappy-diversification7$1,500.00$1,500.0012/10/2010 7:51:32 AM
Whipster$30.00$30.0012/11/2010 5:50:35 AM
31 bids
 
Borrower Payment Dependent Notes Series 487320
This series of Notes was issued and sold upon the funding of the borrower loan #45932, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-12-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $339.27
 
Auction yield range: 16.51% - 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): 3 First credit line: Dec-1993 Debt/Income ratio: 36%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:18y 0m
Amount delinquent: $0 Total credit lines: 63 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,143Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: tough-integrity2 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
18 Years Active Duty Marine
Purpose of loan:
This loan will be used to?consolidate a couple of credit cards into one payment.?

My financial situation:
I am a good candidate for this loan because I am extremely responsible, dependable, and hard-working. I am currently on active duty in the United States?Marine Corps (just went over 18 years last week). I helping my family and?just want to consolidate my bills into as less payments as possible. I am not behind on any of my debts, in fact I like to stay a month or two ahead.

Monthly net income: $6,374.00

Monthly expenses: $
??Housing: $700
??Insurance: $50.00
??Car expenses: $200
??Utilities: $0, included in the?rent?
??Phone, cable, internet: $180
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $1,600
??Other expenses: $50
Information in the Description is not verified.
Friends And Family Winning Bids
Military-2-Military has bid a total of $2,000.00 in winning bids.
"Meets Military Credit Index. Employment and Income Verified"
1 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MilitaryLoans$300.00$300.0012/10/2010 2:59:02 PM
Military-2-Military$2,000.00$2,000.0012/10/2010 2:59:04 PM
alexgalt$50.00$50.0012/10/2010 3:09:21 PM
SolarMoonshine$25.00$25.0012/10/2010 5:41:35 PM
well-rounded-dinero$175.00$175.0012/10/2010 3:45:16 PM
MilitaryLending$39.30$39.3012/11/2010 12:47:32 AM
zone6$500.00$500.0012/10/2010 7:47:08 PM
reflective-rupee$300.00$300.0012/10/2010 3:52:47 PM
investinFla$50.00$50.0012/11/2010 9:45:06 AM
MilitaryMTP$275.00$275.0012/10/2010 4:15:51 PM
back-scratchers$25.00$25.0012/10/2010 5:43:20 PM
zone6$86.19$86.1912/10/2010 7:45:45 PM
thankful-nickel2$25.00$25.0012/11/2010 9:39:51 AM
prudent-dinero$25.00$25.0012/10/2010 10:19:29 PM
shrewd-asset$50.00$50.0012/11/2010 5:30:01 PM
p2ploan-sensation211$50.00$50.0012/11/2010 5:51:53 PM
nodebt2012$75.52$75.5212/11/2010 1:30:09 PM
zone6$163.24$163.2412/11/2010 8:56:04 PM
mpthree$25.00$25.0012/12/2010 12:07:39 AM
CaptainCrunch$25.00$25.0012/10/2010 3:02:18 PM
well-rounded-dinero$125.00$125.0012/10/2010 3:41:17 PM
reflective-rupee$300.00$300.0012/10/2010 3:50:57 PM
Kash2010lu$100.00$100.0012/10/2010 8:06:40 PM
nilonc1$50.00$50.0012/10/2010 4:10:51 PM
riveting-credit5$1,000.00$1,000.0012/11/2010 6:31:18 AM
jrgdnn12$29.01$29.0112/10/2010 10:04:56 PM
bluehen00$25.00$25.0012/11/2010 7:44:24 AM
reflective-rupee$300.00$300.0012/10/2010 3:50:35 PM
Kash2010lu$25.00$25.0012/11/2010 9:22:29 AM
StargazerLending$25.00$25.0012/11/2010 9:51:23 AM
productive-ore$50.00$50.0012/10/2010 9:53:30 PM
TeaHouseFinance$25.00$25.0012/10/2010 10:52:46 PM
MilitaryLoans$455.55$455.5512/11/2010 3:55:37 AM
riveting-credit5$1,000.00$406.1912/11/2010 6:35:16 AM
pioneer580$100.00$100.0012/11/2010 6:47:20 AM
dough-rocket$70.00$70.0012/12/2010 4:41:35 AM
impala6464$100.00$100.0012/11/2010 5:18:40 PM
ZPBSFinancialGroup$25.00$25.0012/11/2010 7:00:06 PM
marybennet$25.00$25.0012/11/2010 8:45:41 PM
39 bids
 
Borrower Payment Dependent Notes Series 487350
This series of Notes was issued and sold upon the funding of the borrower loan #45920, 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-12-2010 
 
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: Mar-1990 Debt/Income ratio: 21%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,150Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: bobtheitalian 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: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
600-619 (Oct-2008)
600-619 (Apr-2008)
560-579 (Jan-2008)
 
Principal balance: $5,577.70 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Pay off rest of credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $? 540
??Insurance: $ 97
??Car expenses: $ 295
??Utilities: $ 65
??Phone, cable, internet: $ 75
??Food, entertainment: $?150
??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)
Thylow$25.00$25.0012/10/2010 3:12:13 PM
drcoop$25.00$25.0012/10/2010 3:17:25 PM
attractive-point5$50.00$50.0012/10/2010 3:18:20 PM
reflective-rupee$100.00$100.0012/10/2010 3:28:42 PM
diplomatic-wealth7$25.00$25.0012/10/2010 3:13:16 PM
Artist_Blue$25.00$25.0012/10/2010 3:14:13 PM
graceful-investment$100.00$100.0012/10/2010 4:23:34 PM
Redmond$25.00$25.0012/10/2010 3:14:40 PM
Thylow$100.00$100.0012/10/2010 3:15:41 PM
DSFinancial$50.00$50.0012/10/2010 3:18:14 PM
ukstevenhawaii$100.00$100.0012/10/2010 3:11:00 PM
DonaldColorado$50.00$50.0012/10/2010 3:13:04 PM
simplelender80$100.00$100.0012/10/2010 3:13:34 PM
PRGuyinVA$25.00$25.0012/11/2010 2:13:48 AM
IIP77$25.00$25.0012/11/2010 4:23:39 AM
famous-bill$25.00$25.0012/11/2010 5:03:11 AM
paytonbrigadier$150.00$150.0012/10/2010 3:15:50 PM
nickel-hickory$50.00$50.0012/10/2010 3:16:11 PM
Interstate_Rate$100.00$100.0012/10/2010 3:16:40 PM
reflective-rupee$500.00$500.0012/10/2010 3:28:16 PM
competent-p2p$40.00$40.0012/11/2010 8:11:55 AM
ichibon$25.00$25.0012/11/2010 12:49:01 AM
admirable-basis1$50.00$50.0012/11/2010 10:37:42 AM
blackstar$25.00$25.0012/11/2010 4:08:17 AM
Inquisitor06$25.15$25.1512/11/2010 2:46:35 PM
sturdy-openness885$25.00$25.0012/11/2010 7:28:40 AM
payout-reaction740$25.00$25.0012/11/2010 4:27:13 PM
verdiprr$100.00$100.0012/11/2010 8:20:19 AM
red-power-pecan$50.00$50.0012/11/2010 5:53:34 PM
Bob450$25.00$25.0012/11/2010 5:58:29 PM
ferocious-exchange3$25.00$25.0012/11/2010 6:03:58 PM
thankful-nickel2$25.00$25.0012/11/2010 8:51:30 AM
SNH$100.00$100.0012/10/2010 8:09:19 PM
richboy56$25.00$25.0012/10/2010 10:08:41 PM
return-pumpkin7$25.00$25.0012/11/2010 8:46:41 PM
inspiring-reward$89.62$89.6212/11/2010 1:55:13 AM
jamiee73$25.00$25.0012/11/2010 4:22:08 PM
flexible-income9$26.87$26.8712/11/2010 5:12:07 PM
social-conductor4$25.00$25.0012/11/2010 6:06:32 AM
burrito6$25.00$25.0012/11/2010 8:27:06 PM
top-historic-peso$25.00$25.0012/11/2010 8:46:42 PM
tszbgae$40.26$40.2612/11/2010 8:51:49 PM
ferocious-camaraderi1$50.00$50.0012/11/2010 8:12:02 AM
minddoc$25.00$25.0012/12/2010 3:17:00 AM
gallant-economy9$42.62$42.6212/12/2010 6:51:07 AM
banker65010$25.00$25.0012/12/2010 7:10:23 AM
Sateesh$36.22$36.2212/12/2010 7:20:39 AM
NR$25.00$25.0012/12/2010 7:55:58 AM
ionyad$50.00$50.0012/12/2010 8:41:29 AM
newest-inspiring-power$25.00$25.0012/11/2010 3:01:33 PM
shrewd-peace7$43.92$43.9212/11/2010 3:51:33 PM
wonder3$25.00$25.0012/12/2010 11:22:08 AM
SDNLR$32.76$32.7612/11/2010 4:53:11 PM
CPADawg$25.00$25.0012/12/2010 11:55:19 AM
ZPBSFinancialGroup$25.00$25.0012/11/2010 6:27:29 PM
SFBank$300.00$300.0012/11/2010 8:30:52 PM
Kash2010lu$50.00$50.0012/12/2010 8:01:47 AM
radiant-fund$26.74$26.7412/12/2010 8:25:58 AM
handshake5$100.00$100.0012/10/2010 3:14:54 PM
ekmendenhall$55.00$55.0012/10/2010 3:00:04 PM
lendstats_com$200.00$200.0012/10/2010 3:22:33 PM
brother_tam$50.00$50.0012/10/2010 4:23:32 PM
Thylow$25.00$25.0012/10/2010 3:15:42 PM
secureincome$50.00$50.0012/10/2010 4:56:39 PM
simplewareinc$50.00$50.0012/10/2010 5:34:52 PM
scrappy-diversification7$1,500.00$1,500.0012/10/2010 3:25:05 PM
reflective-rupee$100.00$100.0012/10/2010 3:28:29 PM
nilonc1$50.00$50.0012/10/2010 3:01:19 PM
worthy-bid8$50.00$50.0012/10/2010 3:02:51 PM
EBITDA$25.00$25.0012/10/2010 3:09:15 PM
gotjack$25.00$25.0012/11/2010 12:47:17 AM
Bank42$50.00$50.0012/10/2010 3:11:33 PM
bid-czar8$100.00$100.0012/10/2010 4:26:57 PM
ASR3$35.00$35.0012/10/2010 3:12:49 PM
orange-preeminant-bill$32.78$32.7812/11/2010 1:44:38 AM
treasure-bliss$50.00$50.0012/11/2010 1:54:37 AM
kulender$50.00$50.0012/10/2010 3:13:42 PM
kendigme$26.63$26.6312/11/2010 4:56:29 AM
symbiosis$50.00$50.0012/10/2010 3:15:24 PM
lucrative-loan$50.00$50.0012/11/2010 1:43:21 AM
bulsa$60.00$60.0012/11/2010 1:44:09 AM
FeedTheMachine$35.02$35.0212/11/2010 1:54:00 AM
a-finance-nirvana$25.00$25.0012/11/2010 1:54:52 AM
MadHun$28.11$28.1112/11/2010 2:46:34 PM
Whipster$50.00$50.0012/11/2010 5:54:46 AM
payment-gusto$25.00$25.0012/11/2010 5:56:45 AM
loanman2007$125.00$125.0012/11/2010 6:03:21 AM
new-social-economist$25.06$25.0612/11/2010 7:46:55 AM
SolarMoonshine$25.00$25.0012/10/2010 5:39:22 PM
vigorous-velocity$40.00$40.0012/11/2010 5:23:44 PM
gold-channel2$37.18$37.1812/11/2010 7:01:30 PM
loan-tycoon0$25.00$25.0012/11/2010 8:26:37 PM
listing-trapper3$50.00$50.0012/11/2010 8:46:44 PM
AF-Chief$31.22$31.2212/11/2010 6:06:32 PM
jobani$25.00$25.0012/12/2010 8:11:41 AM
greenback-guard$25.00$25.0012/11/2010 8:27:13 PM
money-bauble$25.00$25.0012/11/2010 8:46:30 PM
the-dollar-topper$84.74$84.7412/11/2010 8:51:50 PM
Mr-Miracle$25.01$25.0112/12/2010 11:19:25 AM
Guerrilla_Man$25.00$25.0012/11/2010 8:36:28 AM
dedicated-transaction796$44.76$44.7612/11/2010 9:36:57 AM
wampum-launcher0$25.00$25.0012/12/2010 8:25:56 AM
flanative$100.00$100.0012/11/2010 3:56:34 PM
Gibbyland$32.76$32.7612/11/2010 4:22:06 PM
fabulous-community4$25.00$25.0012/11/2010 4:36:57 PM
investment-comet$25.00$25.0012/11/2010 5:23:39 PM
twjh$25.00$25.0012/11/2010 6:32:12 PM
Wellman$25.20$25.2012/11/2010 8:27:15 PM
WeR5A$25.00$25.0012/12/2010 1:33:38 AM
abundant-credit6$25.00$25.0012/12/2010 4:29:24 AM
Mariner3605$50.00$50.0012/12/2010 9:38:15 AM
soulful-truth$445.38$277.3712/12/2010 9:38:35 AM
112 bids
 
Borrower Payment Dependent Notes Series 487396
This series of Notes was issued and sold upon the funding of the borrower loan #46009, 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: 4.95% Auction start date:  Dec-09-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $254.15
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $254.15
 
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: Nov-1988 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,973Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: 1GoodMom Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,900.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
 
Principal balance: $3,431.78 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Debt Consolodation-2011
Purpose of loan:
This loan will be used to consolidate debt and attain my goal of becoming debt free.

My financial situation:
I am a good candidate for this loan because I?continue to improve my credit rating each and every year and?am a?current Prosper loan customer, with a perfect payment history. My goal to become debt free has been made possible by the good people of Prosper and I won't dissapoint them with this loan either, as I continue to pay higher interest debt off.? I will actually be saving money monthly, once I pay the other debt off and begin paying on this loan.? I have a?great job with a financially stable company that I enjoy very much and have been at for 7 years.

Monthly net income: $ 3800.00 (I have not included the annual profit sharing we receive every spring, which is extra)

Monthly expenses: $ 2806.00
??Housing: $ 1281.00
??Insurance: $ 130.00 both home and car
??Car expenses: $ none, it's paid off!
??Utilities: $ 250.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $?75.00
??Credit cards and other loans: $ 670.00
??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)
hopeful-truth5$100.00$100.0012/9/2010 2:38:54 PM
subtle-revenue0$25.00$25.0012/9/2010 2:39:35 PM
SiebirdLending$25.00$25.0012/9/2010 2:41:17 PM
ray1051$50.00$50.0012/9/2010 2:42:55 PM
the-enterprising-leverage$25.00$25.0012/9/2010 2:44:41 PM
kulender$50.00$50.0012/9/2010 2:45:01 PM
bowdish1$50.00$50.0012/9/2010 2:47:44 PM
power-trophy7$25.00$25.0012/9/2010 2:48:27 PM
careful-note$100.00$100.0012/9/2010 2:38:42 PM
secureincome$2,000.00$2,000.0012/9/2010 2:39:18 PM
Investoman$25.00$25.0012/9/2010 2:39:44 PM
listing-trapper3$75.00$75.0012/9/2010 2:40:35 PM
wonderful-dime$25.00$25.0012/9/2010 2:40:43 PM
GElender$75.00$75.0012/9/2010 2:41:25 PM
platinum-celebration4$25.00$25.0012/9/2010 2:43:06 PM
Webpreneur$50.00$50.0012/9/2010 2:43:47 PM
Artist_Blue$25.00$25.0012/9/2010 2:45:28 PM
JustMee$25.00$25.0012/9/2010 5:36:14 PM
tomdooley12520$25.00$25.0012/9/2010 5:47:38 PM
twjh$25.00$25.0012/9/2010 2:48:37 PM
sci_guy$25.00$25.0012/9/2010 2:49:22 PM
imlosttoo$25.00$25.0012/9/2010 2:56:42 PM
Headhunter14$25.00$25.0012/9/2010 7:02:33 PM
newest-funds-powerplant$25.00$25.0012/9/2010 7:18:31 PM
worthy-bid8$50.00$50.0012/9/2010 3:42:51 PM
tech310$50.00$50.0012/9/2010 2:38:30 PM
chlebie$25.00$25.0012/9/2010 5:16:31 PM
jazzlender$25.00$25.0012/9/2010 2:42:40 PM
ASR3$35.00$35.0012/9/2010 2:43:21 PM
tolerant-dinero2$25.00$25.0012/9/2010 2:43:31 PM
Pulchritudinous$25.00$25.0012/9/2010 2:43:42 PM
bid-czar8$100.00$100.0012/9/2010 2:44:04 PM
powerful-benefit$30.00$30.0012/10/2010 7:36:04 AM
payout-reaction740$25.00$25.0012/9/2010 7:14:46 PM
handshake5$100.00$100.0012/9/2010 2:46:06 PM
organized-payment6$50.00$50.0012/9/2010 2:46:16 PM
the-dollar-topper$100.00$100.0012/9/2010 2:46:23 PM
RandyL3$25.00$25.0012/9/2010 2:46:53 PM
mammalian4$25.00$25.0012/10/2010 8:06:31 AM
superb-funds335$25.00$25.0012/9/2010 2:47:49 PM
chameleon125$50.00$50.0012/10/2010 8:56:26 AM
circustab$50.00$50.0012/9/2010 9:31:52 PM
penny-plato$25.00$25.0012/9/2010 3:29:57 PM
tough-income4$25.00$25.0012/10/2010 10:05:37 AM
platinum-sorcerer6$25.00$25.0012/10/2010 1:49:01 AM
oaktown23$27.63$27.6312/10/2010 3:21:31 AM
ac787$25.00$25.0012/9/2010 5:31:00 PM
Jgodd13$25.00$25.0012/10/2010 7:49:00 AM
MoneyTree79$25.00$25.0012/9/2010 5:58:16 PM
LeadFoot$25.00$25.0012/9/2010 7:07:22 PM
nilonc1$75.00$75.0012/9/2010 9:18:31 PM
tisgro$25.00$19.6812/10/2010 9:43:25 AM
lendme2$44.24$44.2412/10/2010 1:07:48 AM
kc8fot$25.00$25.0012/10/2010 1:28:39 AM
Tom579$28.46$28.4612/10/2010 1:39:51 AM
dmfog$25.00$25.0012/10/2010 1:44:33 AM
Sol_Invictus$25.00$25.0012/10/2010 12:00:57 PM
shrewd-deal$25.00$25.0012/10/2010 7:49:02 AM
108lender$150.00$150.0012/10/2010 4:23:47 PM
UT-Longhorn$25.00$25.0012/9/2010 2:40:28 PM
investment-comet$25.00$25.0012/9/2010 2:47:56 PM
E_G$50.00$50.0012/9/2010 2:49:10 PM
thoughtful-community7$25.00$25.0012/9/2010 2:49:30 PM
jamiee73$25.00$25.0012/9/2010 2:37:42 PM
Ripsaw4U$50.00$50.0012/9/2010 2:38:38 PM
rss197$25.00$25.0012/9/2010 2:38:47 PM
riskreward$100.00$100.0012/9/2010 2:40:04 PM
gold-blanket0$25.00$25.0012/9/2010 2:40:09 PM
p2p-rider7$50.00$50.0012/9/2010 4:04:49 PM
paytonbrigadier$250.00$250.0012/9/2010 2:47:20 PM
Trevor_C$25.00$25.0012/9/2010 7:06:13 PM
thankful-nickel2$25.00$25.0012/9/2010 7:38:05 PM
Chesterite$25.00$25.0012/9/2010 8:52:10 PM
enthralling-deal180$50.00$50.0012/9/2010 2:37:27 PM
loan-oasis4$25.00$25.0012/10/2010 12:27:20 AM
haplender$50.00$50.0012/9/2010 4:14:42 PM
indomitable-coin$50.00$50.0012/9/2010 2:37:39 PM
tylerfd$25.00$25.0012/10/2010 1:11:13 AM
reward-motion$50.00$50.0012/9/2010 2:39:00 PM
brightest-affluence-motivator$50.00$50.0012/9/2010 2:39:50 PM
paymentologist$25.00$25.0012/10/2010 1:43:36 AM
finance_mba$25.00$25.0012/9/2010 2:40:14 PM
summerlander$25.00$25.0012/10/2010 1:43:47 AM
Bank42$50.00$50.0012/9/2010 2:40:18 PM
meenan$50.00$50.0012/9/2010 2:40:57 PM
richboy56$25.00$25.0012/9/2010 2:41:08 PM
AFairDeal$50.00$50.0012/9/2010 2:43:26 PM
ichibon$250.00$250.0012/9/2010 2:45:07 PM
SimpleChoice$25.00$25.0012/9/2010 2:46:09 PM
jrbill1998$50.00$50.0012/9/2010 2:48:33 PM
himanshuko$30.00$30.0012/10/2010 8:49:48 AM
Aberdeen$999.99$999.9912/9/2010 2:49:44 PM
iolaire$25.00$25.0012/10/2010 8:56:35 AM
the-kindness-honker$25.00$25.0012/9/2010 10:25:51 PM
reflective-rupee$25.00$25.0012/9/2010 3:05:18 PM
Snowflake6515$25.00$25.0012/10/2010 1:23:50 AM
forthright-dedication$50.00$50.0012/10/2010 8:37:58 AM
Hartfelt$25.00$25.0012/10/2010 8:53:18 AM
helpinghand63$50.00$50.0012/10/2010 9:34:51 AM
payout-alien6$25.00$25.0012/10/2010 2:31:18 PM
OldFriend$25.00$25.0012/10/2010 8:04:40 AM
Danjack_Capital$25.00$25.0012/10/2010 9:38:19 AM
Magoo2754$50.00$50.0012/10/2010 10:14:41 AM
killdare$25.00$25.0012/10/2010 11:45:49 AM
newt999$50.00$50.0012/10/2010 12:06:37 PM
respectful-integrity3$25.00$25.0012/10/2010 1:35:35 PM
hmarquiss4$35.00$35.0012/11/2010 9:40:09 AM
wesleys$25.00$25.0012/11/2010 12:06:03 PM
108 bids
 
Borrower Payment Dependent Notes Series 487424
This series of Notes was issued and sold upon the funding of the borrower loan #46032, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 30.39% Starting monthly payment: $127.35
Final lender yield: 6.49% Final borrower rate/APR: 7.49% / 7.83% Final monthly payment: $93.30
 
Auction yield range: 2.51% - 29.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 4.94%  
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-1995 Debt/Income ratio: 8%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,984Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: valiant-deal5 Borrower's state: WestVirginia 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
Purchasing foreclosure for rental
Purpose of loan:
This loan will be used to purchase a foreclosed home that will be rented. The home needs very little work before renting.

My financial situation:
I am a good candidate for this loan because I can easily make the monthly payment regardless of the outcome of renting the home.?Also, I own multiple pieces of construction equipment and other?personal property that could be liquidated quickly if the need should ever arise.
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)
bondhedger$25.00$25.0012/10/2010 3:22:36 PM
EliteCapital$25.00$25.0012/11/2010 6:22:24 AM
secureincome$2,500.00$2,375.0012/10/2010 3:01:51 PM
mathprof$25.00$25.0012/10/2010 3:08:42 PM
exchange-squirrel$25.00$25.0012/10/2010 3:01:46 PM
selector568$500.00$500.0012/10/2010 3:02:24 PM
tolerant-dinero2$25.00$25.0012/10/2010 3:12:43 PM
7 bids
 
Borrower Payment Dependent Notes Series 487480
This series of Notes was issued and sold upon the funding of the borrower loan #46035, 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-10-2010 
  Auction end date:  Dec-12-2010 
 
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): 6 First credit line: Aug-2002 Debt/Income ratio: 23%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $699Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: unrivaled-hope7 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New kitchen, redo flooring
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)
FutureLenderEC$25.00$25.0012/10/2010 3:09:26 PM
ASR3$35.00$35.0012/10/2010 3:12:48 PM
DonaldColorado$50.00$50.0012/10/2010 3:13:06 PM
diplomatic-wealth7$25.00$25.0012/10/2010 3:13:17 PM
Whipster$30.00$30.0012/10/2010 3:23:17 PM
ukstevenhawaii$100.00$100.0012/10/2010 3:11:01 PM
Redmond$25.00$25.0012/10/2010 3:14:47 PM
mercuriant$25.00$25.0012/10/2010 3:23:27 PM
hopeful-truth5$100.00$100.0012/10/2010 3:12:23 PM
Interstate_Rate$100.00$100.0012/10/2010 3:16:38 PM
social-heart$25.00$25.0012/10/2010 8:26:36 PM
Rogelio48$30.00$30.0012/11/2010 1:22:31 AM
nickel-hickory$50.00$50.0012/10/2010 10:11:41 PM
SFBank$300.00$300.0012/11/2010 8:44:09 PM
profitable-balance$25.00$25.0012/11/2010 10:28:16 AM
loanman2007$200.00$200.0012/12/2010 7:13:04 AM
finance-prescription$50.00$50.0012/12/2010 9:38:25 AM
Danjack_Capital$25.00$25.0012/12/2010 2:18:25 PM
top-courteous-peso$100.00$100.0012/10/2010 3:02:38 PM
reflective-rupee$500.00$500.0012/10/2010 3:32:14 PM
EBITDA$25.00$25.0012/10/2010 3:09:10 PM
Bank42$50.00$50.0012/10/2010 3:11:35 PM
simplelender80$100.00$100.0012/10/2010 3:13:36 PM
kulender$50.00$50.0012/10/2010 3:13:43 PM
symbiosis$50.00$50.0012/10/2010 3:15:28 PM
paytonbrigadier$300.00$300.0012/10/2010 3:16:18 PM
SolarMoonshine$25.00$25.0012/10/2010 5:33:58 PM
EngineersAlliance$100.00$100.0012/10/2010 3:26:36 PM
reflective-rupee$100.00$100.0012/10/2010 3:32:58 PM
transaction-circuit$50.00$50.0012/10/2010 3:10:17 PM
Artist_Blue$25.00$25.0012/10/2010 3:14:10 PM
handshake5$100.00$100.0012/10/2010 3:14:56 PM
scrappy-diversification7$1,500.00$90.0012/10/2010 3:17:41 PM
building_community$25.00$25.0012/10/2010 3:22:55 PM
foothillender$25.00$25.0012/11/2010 6:48:35 AM
vine99$65.00$65.0012/12/2010 2:37:10 PM
36 bids
 
Borrower Payment Dependent Notes Series 487504
This series of Notes was issued and sold upon the funding of the borrower loan #46012, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-11-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $168.71
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $168.71
 
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: May-1964 Debt/Income ratio: 9%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:12y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,375Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: green-riveting-justice 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 DENTAL BILLS
Purpose of loan:
This loan will be used to? PAY OFF DENTAL BILLS

My financial situation:
I am a good candidate for this loan because? I have a steady income of $5000 a month and have few bills ????

Monthly net income: $ 5,000 ????

Monthly expenses: $
??Housing: $ 401
??Insurance: $ 200 ????
??Car expenses: $ 650
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??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)
kulender$50.00$50.0012/10/2010 3:13:50 PM
Artist_Blue$25.00$25.0012/10/2010 3:14:02 PM
handshake5$100.00$100.0012/10/2010 3:15:00 PM
scrappy-diversification7$1,500.00$1,500.0012/10/2010 3:17:43 PM
reflective-rupee$200.00$200.0012/10/2010 4:01:16 PM
ukstevenhawaii$100.00$100.0012/10/2010 3:11:07 PM
ASR3$35.00$35.0012/10/2010 3:12:45 PM
asset-professor$43.00$43.0012/10/2010 4:22:58 PM
parsec9$25.00$25.0012/10/2010 4:31:55 PM
deal-hickory5$36.97$36.9712/10/2010 4:32:01 PM
paytonbrigadier$200.00$200.0012/10/2010 3:16:20 PM
Interstate_Rate$100.00$100.0012/10/2010 3:16:32 PM
secureincome$25.00$25.0012/10/2010 6:59:12 PM
fallentimbers$25.00$25.0012/10/2010 7:35:53 PM
richboy56$25.00$25.0012/10/2010 10:08:46 PM
nowits10$25.00$25.0012/11/2010 12:44:48 AM
benjo$25.00$25.0012/11/2010 1:00:03 AM
happy-return4$50.00$50.0012/10/2010 4:22:43 PM
Kreditorium$25.00$25.0012/11/2010 1:26:06 AM
danthemon35$25.00$25.0012/10/2010 4:31:56 PM
DonaldColorado$50.00$50.0012/10/2010 3:13:09 PM
integrity-enrichment2$25.00$25.0012/11/2010 6:22:51 AM
ferocious-camaraderi1$50.00$21.6912/11/2010 8:12:06 AM
bountiful-durability$98.09$98.0912/11/2010 2:05:12 AM
PRGuyinVA$25.00$25.0012/11/2010 2:13:58 AM
raisingophelia$25.00$25.0012/10/2010 4:23:01 PM
dedicated-diversification5$34.77$34.7712/10/2010 4:23:42 PM
ichibon$50.00$50.0012/11/2010 6:11:57 AM
SNH$100.00$100.0012/10/2010 8:09:24 PM
interstellar$50.00$50.0012/10/2010 8:23:03 PM
macgeek$25.00$25.0012/11/2010 12:44:53 AM
DadWarbucks$60.00$60.0012/11/2010 12:46:48 AM
fund-web3$25.00$25.0012/11/2010 1:40:15 AM
symbiosis$50.00$50.0012/10/2010 3:15:35 PM
hopeful-truth5$100.00$100.0012/10/2010 3:17:11 PM
EBITDA$25.00$25.0012/10/2010 3:09:14 PM
simplelender80$100.00$100.0012/10/2010 3:13:39 PM
Jonb6919$25.00$25.0012/10/2010 4:32:03 PM
Bank42$50.00$50.0012/10/2010 3:24:47 PM
p2ploan-futurist9$50.00$50.0012/10/2010 8:16:37 PM
texrob20$25.00$25.0012/11/2010 12:59:18 AM
worth-arch$25.00$25.0012/11/2010 1:41:43 AM
diplomatic-wealth7$25.00$25.0012/10/2010 3:13:20 PM
worthy-bid8$29.58$29.5812/11/2010 2:08:05 AM
Redmond$25.00$25.0012/10/2010 3:14:50 PM
famous-bill$25.00$25.0012/11/2010 5:03:16 AM
sturdy-openness885$25.00$25.0012/11/2010 7:28:43 AM
a-finance-nirvana$25.00$25.0012/11/2010 1:55:00 AM
joee$25.00$25.0012/10/2010 4:22:44 PM
soulful-truth$90.90$90.9012/11/2010 5:27:44 AM
compassion-bauble4$25.00$25.0012/11/2010 1:43:37 AM
Aragorn$25.00$25.0012/11/2010 6:03:05 AM
52 bids
 
Borrower Payment Dependent Notes Series 487556
This series of Notes was issued and sold upon the funding of the borrower loan #45908, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $218.33
 
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: Aug-1989 Debt/Income ratio: 7%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 8 Current / open credit lines: 1 / 1Length of status:5y 8m
Amount delinquent: $3,435 Total credit lines: 30 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: gallant-p2p 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
other use
Purpose of loan:
This loan will be used to?
to pay offf a couple sm bills and home improvements
My financial situation:
I am a good candidate for this loan because?i know i can pay it back steady work 2 jobs?

Monthly net income: $ 2,000

Monthly expenses: $
??Housing: $ 550.00
??Insurance: $
??Car expenses: $ Utilities: $ 200
??Phone, cable, internet: $ 140.
??Food, entertainment: $ 75.00
??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)
ukstevenhawaii$100.00$100.0012/13/2010 3:23:51 PM
simplelender80$100.00$100.0012/13/2010 3:31:11 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:30 PM
paytonbrigadier$300.00$300.0012/13/2010 3:37:37 PM
ASR3$35.00$35.0012/13/2010 3:29:14 PM
EBITDA$25.00$25.0012/13/2010 3:07:12 PM
richboy56$25.00$25.0012/13/2010 3:43:08 PM
ichibon$25.00$25.0012/13/2010 3:43:35 PM
Guerrilla_Man$25.00$25.0012/13/2010 3:47:08 PM
jamiee73$25.00$25.0012/13/2010 3:48:05 PM
bulsa$76.65$76.6512/13/2010 3:48:59 PM
ionyad$50.00$50.0012/13/2010 3:51:42 PM
hayhelp$25.00$25.0012/13/2010 3:52:39 PM
PRGuyinVA$25.00$25.0012/13/2010 3:45:47 PM
new-social-economist$80.00$80.0012/13/2010 3:49:16 PM
NR$25.00$25.0012/13/2010 3:51:27 PM
Rdodson11$25.00$25.0012/13/2010 3:54:01 PM
dedicated-transaction796$50.00$50.0012/13/2010 4:26:46 PM
bid-czar8$100.00$100.0012/13/2010 4:28:55 PM
astute-investment5$25.00$25.0012/13/2010 4:32:45 PM
graceful-investment$100.00$100.0012/13/2010 3:40:25 PM
b2m80s$50.00$50.0012/13/2010 4:38:56 PM
commerce-yeller$25.00$25.0012/13/2010 4:39:14 PM
srgriff$25.00$25.0012/13/2010 4:39:28 PM
Gibbyland$50.00$50.0012/13/2010 4:28:18 PM
flexible-income9$25.01$25.0112/13/2010 4:28:31 PM
nybanker85$30.00$30.0012/13/2010 4:29:11 PM
a-finance-nirvana$25.00$25.0012/13/2010 3:45:30 PM
LiveNow$25.00$25.0012/13/2010 4:32:47 PM
coin-bee1$50.00$50.0012/13/2010 3:52:54 PM
interstellar$33.40$33.4012/13/2010 6:01:42 PM
TrekTune$25.00$25.0012/13/2010 3:54:58 PM
whartonmba$25.00$25.0012/13/2010 3:56:40 PM
cropdust3r$25.00$25.0012/13/2010 4:01:10 PM
PrivateLoaner$50.00$50.0012/13/2010 4:29:46 PM
wise-silver-wonder$25.00$25.0012/13/2010 4:32:05 PM
flwah$25.00$25.0012/13/2010 4:32:32 PM
famous-bill$25.00$25.0012/13/2010 4:38:53 PM
sms0106$27.28$27.2812/13/2010 4:39:12 PM
reward-motion$25.00$25.0012/13/2010 4:41:41 PM
secureincome$2,000.00$317.6612/13/2010 4:41:48 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:46 PM
SNH$100.00$100.0012/13/2010 3:42:05 PM
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:21 PM
kulender$50.00$50.0012/13/2010 3:08:35 PM
hope-hickory$25.00$25.0012/13/2010 3:57:16 PM
minddoc$25.00$25.0012/13/2010 3:50:05 PM
IIP77$25.00$25.0012/13/2010 4:27:30 PM
the-dollar-topper$100.00$100.0012/13/2010 3:57:08 PM
raisingophelia$25.00$25.0012/13/2010 4:28:35 PM
silver-enlightenment0$50.00$50.0012/13/2010 3:58:01 PM
selfmademan$25.00$25.0012/13/2010 4:30:43 PM
finagler$25.00$25.0012/13/2010 4:32:18 PM
handshake5$100.00$100.0012/13/2010 3:34:02 PM
symbiosis$50.00$50.0012/13/2010 3:35:17 PM
worthy-bid8$50.00$50.0012/13/2010 3:39:55 PM
rockstar78$25.00$25.0012/13/2010 4:38:58 PM
Interstate_Rate$100.00$100.0012/13/2010 4:41:19 PM
balanced-dime7$25.00$25.0012/13/2010 4:31:56 PM
flanative$100.00$100.0012/13/2010 3:47:50 PM
Mariner3605$50.00$50.0012/13/2010 4:32:49 PM
vigorous-velocity$50.00$50.0012/13/2010 3:52:12 PM
LoisLoan$25.00$25.0012/13/2010 3:54:28 PM
tolerant-interest4$25.00$25.0012/13/2010 3:59:58 PM
Investoman$50.00$50.0012/13/2010 4:00:20 PM
scrappy-diversification7$1,500.00$1,500.0012/13/2010 4:26:26 PM
jazzlender$25.00$25.0012/13/2010 4:29:17 PM
Comoparklender$50.00$50.0012/13/2010 4:39:15 PM
Bank42$50.00$50.0012/13/2010 4:41:37 PM
greenback-guard$25.00$25.0012/14/2010 7:56:34 AM
70 bids
 
Borrower Payment Dependent Notes Series 487654
This series of Notes was issued and sold upon the funding of the borrower loan #46041, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $185.53
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $185.53
 
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): 5 First credit line: Jun-1985 Debt/Income ratio: 33%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 12Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $162,288Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: surge09 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2010)
 
Principal balance: $2,556.56 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Tax liability needs to be paid now
Purpose of loan:
This loan will be used to pay a tax liability from stock?I received earlier in the year. I have an income?gap until March when my income will increase and bonuses will be paid.

My financial situation:
I am a good candidate for this loan because I do not miss payments. I never have on Prosper or anywhere else.?I pride myself in making payments and not being late.

Monthly net income: $ 8500 (salary plus annual bonus over 12 months)

Monthly expenses: $
??Housing: $ 3300 (First Mtg + Home Equity loan)
??Insurance: $ 150
??Car expenses: $349
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lendcraft$25.00$25.0012/13/2010 3:03:12 PM
ASR3$35.00$35.0012/13/2010 3:29:08 PM
Redmond$25.00$25.0012/13/2010 3:33:49 PM
credit-investor5$25.00$25.0012/13/2010 3:22:28 PM
EBITDA$25.00$25.0012/13/2010 3:06:59 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:20 PM
handshake5$100.00$100.0012/13/2010 3:34:06 PM
nilonc1$50.00$50.0012/13/2010 3:10:46 PM
Interstate_Rate$100.00$100.0012/13/2010 3:37:23 PM
coin-bee1$50.00$50.0012/13/2010 3:52:56 PM
fairness-kayak$25.00$25.0012/13/2010 3:53:58 PM
hope-hickory$25.00$25.0012/13/2010 3:57:20 PM
B-rad_the_Coug$25.00$25.0012/13/2010 3:20:13 PM
ukstevenhawaii$100.00$100.0012/13/2010 3:23:56 PM
minddoc$25.00$25.0012/13/2010 3:50:08 PM
NR$25.00$25.0012/13/2010 3:51:23 PM
hopeful-truth5$100.00$100.0012/13/2010 3:26:44 PM
drcoop$25.00$25.0012/13/2010 4:27:33 PM
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:23 PM
finance-prescription$50.00$50.0012/13/2010 4:29:28 PM
dedicated-transaction796$50.00$50.0012/13/2010 4:26:49 PM
ichibon$50.00$50.0012/13/2010 4:27:37 PM
mercuriant$25.00$25.0012/13/2010 3:41:12 PM
graceful-investment$100.00$100.0012/13/2010 4:28:06 PM
bondhedger$25.00$25.0012/13/2010 4:49:24 PM
PRGuyinVA$25.00$25.0012/13/2010 3:45:51 PM
TrekTune$25.00$25.0012/13/2010 3:55:04 PM
cropdust3r$25.00$25.0012/13/2010 4:01:15 PM
brother_tam$50.00$50.0012/13/2010 4:26:13 PM
gjh37$32.06$32.0612/13/2010 4:42:02 PM
a-finance-nirvana$25.00$25.0012/13/2010 4:42:06 PM
building_community$31.61$31.6112/13/2010 5:16:13 PM
alexgalt$25.00$25.0012/13/2010 10:58:50 PM
simplelender80$100.00$100.0012/13/2010 3:31:14 PM
symbiosis$50.00$50.0012/13/2010 3:35:20 PM
reflective-rupee$250.00$250.0012/13/2010 3:25:27 PM
paytonbrigadier$300.00$300.0012/13/2010 3:37:40 PM
worthy-bid8$50.00$50.0012/13/2010 3:40:01 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:49 PM
kulender$50.00$50.0012/13/2010 3:08:38 PM
impeccable-transparency$150.00$150.0012/13/2010 3:12:09 PM
navstox$25.00$25.0012/13/2010 3:39:01 PM
LoisLoan$25.00$25.0012/13/2010 3:54:32 PM
richboy56$25.00$25.0012/13/2010 3:43:12 PM
silver-enlightenment0$50.00$50.0012/13/2010 3:58:04 PM
bid-czar8$100.00$100.0012/13/2010 4:28:56 PM
flwah$25.00$25.0012/13/2010 4:32:34 PM
scrappy-diversification7$995.60$995.6012/13/2010 4:26:28 PM
Gibbyland$50.00$50.0012/13/2010 4:28:20 PM
SNH$100.00$100.0012/13/2010 3:42:18 PM
GElender$25.00$25.0012/13/2010 4:28:39 PM
supreme-hope$25.00$25.0012/13/2010 4:53:15 PM
flanative$100.00$100.0012/13/2010 3:47:55 PM
new-social-economist$80.00$80.0012/13/2010 3:49:21 PM
hayhelp$25.00$25.0012/13/2010 3:52:44 PM
bulsa$100.00$100.0012/13/2010 4:39:29 PM
Aragorn$25.00$25.0012/13/2010 4:42:09 PM
inspiring-reward$135.06$58.8812/13/2010 4:42:33 PM
Investoman$50.00$50.0012/13/2010 4:00:23 PM
loanman2007$100.00$100.0012/14/2010 6:13:20 AM
lucrative-loan$50.00$50.0012/14/2010 1:00:37 AM
grnii78$91.85$91.8512/14/2010 6:37:48 AM
62 bids
 
Borrower Payment Dependent Notes Series 487686
This series of Notes was issued and sold upon the funding of the borrower loan #46014, 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-14-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 33.82% Starting monthly payment: $41.23
Final lender yield: 25.75% Final borrower rate/APR: 26.75% / 32.78% Final monthly payment: $40.69
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.44%  
Lender servicing fee: 1.00% Estimated return: 15.31%  
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: Mar-1995 Debt/Income ratio: 38%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 12Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,511Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: power-loyalist0 Borrower's state: Mississippi 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% ) 720-739 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2010)
 
Principal balance: $1,866.65 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Payoff high interest bill
Purpose of loan:
This loan will be used to? payoff other high rate bills that have high interest rate and will be impossible to pay off, paying on the minimum

My financial situation:
I am a good candidate for this loan because? I am employed and able to pay this money back.? I also have a part time job that pay relatively well.

Monthly net income: $ 4400.00

Monthly expenses: $
??Housing: $ 787
??Insurance: $ 150
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 80
??Food, entertainment: $ 150
??Clothing, household expenses $
??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)
IPG1$25.00$25.0012/14/2010 4:11:58 PM
transaction-circuit$50.00$50.0012/14/2010 4:21:51 PM
JustMee$25.00$25.0012/14/2010 5:27:31 PM
113121$200.00$200.0012/14/2010 5:49:01 PM
850$50.00$50.0012/14/2010 8:13:45 PM
navstox$25.00$25.0012/14/2010 8:21:54 PM
impeccable-transparency$150.00$150.0012/14/2010 4:18:00 PM
bondhedger$25.00$25.0012/14/2010 4:33:28 PM
building_community$25.00$25.0012/14/2010 4:57:24 PM
SolarMoonshine$25.00$25.0012/14/2010 5:43:39 PM
scamps$25.00$25.0012/14/2010 8:51:03 PM
wise-balanced-moola$25.00$25.0012/14/2010 10:24:42 PM
paytonbrigadier$300.00$36.9012/14/2010 4:28:23 PM
reflective-rupee$200.00$200.0012/14/2010 8:28:51 PM
kendigme$38.10$38.1012/15/2010 2:31:35 AM
loanman2007$75.00$75.0012/15/2010 5:30:32 AM
16 bids
 
Borrower Payment Dependent Notes Series 487760
This series of Notes was issued and sold upon the funding of the borrower loan #46015, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 33.98% Final borrower rate/APR: 34.98% / 39.13% Final monthly payment: $67.84
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
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: Jan-1993 Debt/Income ratio: 17%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 13 / 7Length of status:14y 1m
Amount delinquent: $53,215 Total credit lines: 33 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,373Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: truth-fortress0 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to fix my truck and pay off remaining credit card balances.

My financial situation:
I am a good candidate for this loan because I have a steady job with guaranteed income.

Monthly net income: $ 2200 after all?my bills are paid, including rent.

Monthly expenses: $
??Housing: $ 930
??Insurance: $ 72
??Car expenses: $ 0
??Utilities: $ 60
??Phone, cable, internet: $ 160
??Food, entertainment: $ 20
??Clothing, household expenses $?75
??Credit cards and other loans: $ 75
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
Military-2-Military has bid a total of $925.00 in winning bids.
"Employment and Income Verified. Does not meet military credit index due too High DQ."
1 friends and family winning bid
Information in Friends and Family Winning Bids is not verified
Questions & Answers
Q: When is your ETS? - Military_Support
A: 06 Nov 2014 (Dec-13-2010)
Q: Please explain the high delinquencies shown on your Prosper credit profile. Thanks and best wishes. - reflective-rupee
A: Hello, I went through a divorce in 2005 just before I was stationed in Germany. In the divorce, I had to turn my truck back into the bank and I had a very high credit card that wasmaxed out by my ex that I was responsible for also. Plus she had ran up a huge phone bill that I am still paying off. That would account for the high amount for the total. the 26 delinquincies would account for going through Delray Credit Counseling while I was in Germany to eliminate my debt. (Dec-14-2010)
Q: Could you tell me a little bit about your DQs? - Jinja
A: Hello, I went through a divorce in 2005 just before I was stationed in Germany. In the divorce, I had to turn my truck back into the bank and I had a very high credit card that wasmaxed out by my ex that I was responsible for also. Plus she had ran up a huge phone bill that I am still paying off. That would account for the high amount for the total. the 26 delinquincies would account for going through Delray Credit Counseling while I was in Germany to eliminate my debt. (Dec-14-2010)
3 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
CaptainCrunch$25.00$25.0012/13/2010 3:11:42 PM
Kash2010lu$50.00$50.0012/14/2010 7:22:10 AM
reflective-rupee$100.00$100.0012/14/2010 12:33:28 PM
Kash2010lu$50.00$50.0012/14/2010 12:39:16 PM
reflective-rupee$100.00$100.0012/14/2010 12:32:49 PM
reflective-rupee$100.00$100.0012/14/2010 12:33:05 PM
Military-2-Military$1,000.00$925.0012/14/2010 7:21:49 AM
alexgalt$50.00$50.0012/14/2010 7:22:01 AM
reflective-rupee$100.00$100.0012/14/2010 12:32:34 PM
9 bids
 
Borrower Payment Dependent Notes Series 479589
This series of Notes was issued and sold upon the funding of the borrower loan #46023, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $487.89
Final lender yield: 8.80% Final borrower rate/APR: 9.80% / 11.90% Final monthly payment: $482.60
 
Auction yield range: 3.57% - 9.55% 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: Jun-2000 Debt/Income ratio: 20%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,411Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: LifeIsGoodHere Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 25 ( 100% ) 740-759 (Latest)
Principal borrowed: $24,300.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
740-759 (Feb-2010)
680-699 (Sep-2008)
 
Principal balance: $2,414.56 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Cheers to Peer-to-Peer Lending
Purpose of loan:
This loan will be used to take current revolving credit balance to $0.? Cheers to prosper.

My financial situation:
I am a good candidate for this loan because?just look at my prosper history.
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)
selector568$300.00$300.0012/6/2010 5:13:23 PM
JGONZ13850$25.00$25.0012/6/2010 10:59:42 PM
newest-funds-powerplant$25.00$25.0012/6/2010 8:52:48 PM
setUup$100.00$100.0012/7/2010 4:03:52 AM
wirebutterfly$35.00$35.0012/7/2010 11:09:13 AM
Roohugger$25.00$25.0012/8/2010 1:37:27 PM
outofoffice$50.00$50.0012/8/2010 7:35:50 AM
BankofBeth$25.00$25.0012/8/2010 9:29:54 AM
Chesterite$50.00$50.0012/9/2010 8:49:53 PM
socal-lender$25.00$25.0012/9/2010 9:58:40 PM
r1w$25.00$25.0012/10/2010 8:19:59 AM
qkinger$50.00$50.0012/10/2010 11:59:49 AM
RIVERHTS$100.00$100.0012/10/2010 4:49:36 PM
MoneyOps$25.00$25.0012/10/2010 4:13:05 PM
rmpedi33$50.00$50.0012/11/2010 10:43:52 AM
mpthree$26.15$26.1512/12/2010 12:00:31 AM
tpcnet$25.47$25.4712/11/2010 1:17:22 PM
wonderous-power$25.00$25.0012/12/2010 3:26:29 AM
riv701$25.00$25.0012/12/2010 5:23:36 PM
diversification-enlistment$25.00$25.0012/12/2010 11:44:52 PM
RecoveryLender$25.00$25.0012/13/2010 7:22:56 AM
LeoBUSIIT$25.00$25.0012/13/2010 8:07:18 AM
justinology$36.00$36.0012/13/2010 10:00:38 AM
steady-funds3$33.25$33.2512/12/2010 9:19:12 PM
abfab1723$25.00$25.0012/13/2010 12:26:36 PM
Trapman13$50.00$50.0012/13/2010 1:12:32 PM
Snoopylover$25.00$25.0012/13/2010 6:08:53 AM
hopeful-truth5$250.00$250.0012/13/2010 12:37:41 PM
jhernand17$25.00$25.0012/13/2010 9:13:14 AM
Rider$35.00$35.0012/13/2010 2:32:03 PM
economy-popcorn$25.00$25.0012/13/2010 10:44:43 AM
LA-Funding-Bank$50.00$50.0012/13/2010 12:42:14 PM
revenue-appraiser$25.00$25.0012/13/2010 1:11:52 PM
p2ploan-sensation211$75.00$75.0012/13/2010 3:39:18 PM
secureincome$2,000.00$1,344.1612/6/2010 3:46:27 PM
tolerant-dinero2$25.00$25.0012/6/2010 3:54:17 PM
Aberdeen$999.99$999.9912/6/2010 4:54:27 PM
MoneyForNothing$32.42$32.4212/6/2010 8:55:23 PM
chameleon125$50.00$50.0012/7/2010 6:19:39 AM
thankful-nickel2$25.00$25.0012/7/2010 5:19:18 PM
tenacious-payout$25.00$25.0012/7/2010 9:02:22 PM
enthusiastic-balance5$300.00$300.0012/8/2010 3:29:57 PM
Johnab$25.00$25.0012/8/2010 4:56:12 PM
wwwUniversal$25.00$25.0012/9/2010 12:59:58 AM
payout-reaction740$25.00$25.0012/9/2010 10:51:32 AM
myidear$25.00$25.0012/10/2010 2:13:50 AM
MoneyTree79$71.56$71.5612/9/2010 5:56:47 PM
csandb$25.00$25.0012/10/2010 10:22:17 AM
mammalian4$50.00$50.0012/10/2010 11:42:15 AM
Lefty_the_Lender$25.00$25.0012/11/2010 1:36:14 AM
jpblan11$25.00$25.0012/11/2010 4:37:09 AM
usedtoborrow$100.00$100.0012/11/2010 8:20:04 AM
eprometheus$54.00$54.0012/11/2010 6:55:08 PM
GTMoneyMan$25.00$25.0012/11/2010 11:36:16 AM
WeR5A$25.00$25.0012/12/2010 1:13:02 AM
Aberdeen$9,000.00$9,000.0012/12/2010 7:04:43 AM
trade-elm$30.00$30.0012/12/2010 11:37:10 AM
vutah$50.00$50.0012/12/2010 12:27:55 PM
LawyerLoan$75.00$75.0012/11/2010 1:29:26 PM
benefit-trident$25.00$25.0012/12/2010 2:43:00 PM
financebob$75.00$75.0012/12/2010 12:36:12 PM
Feyenoord$25.00$25.0012/12/2010 7:29:36 PM
malcolmreynolds$25.00$25.0012/12/2010 9:11:19 PM
BrighterSuns$25.00$25.0012/12/2010 11:44:28 AM
duckbill_1972$27.00$27.0012/13/2010 8:01:18 AM
moneytolend72$25.00$25.0012/13/2010 11:07:27 AM
cashhelp$50.00$50.0012/12/2010 6:18:52 PM
payout-alien6$25.00$25.0012/13/2010 11:37:17 AM
dma1206$25.00$25.0012/13/2010 10:50:40 AM
gristle_mcthornbody$25.00$25.0012/13/2010 6:04:32 AM
donaldo$200.00$200.0012/13/2010 12:32:40 PM
radiant-return$25.00$25.0012/13/2010 9:44:54 AM
one-midas$50.00$50.0012/13/2010 2:41:46 PM
engaging-worth$25.00$25.0012/13/2010 3:09:29 PM
keeper24$25.00$25.0012/13/2010 11:36:28 AM
otalon$35.00$35.0012/13/2010 11:42:39 AM
availableloan$25.00$25.0012/13/2010 1:09:23 PM
penny-finder$40.00$40.0012/13/2010 1:33:41 PM
friendinmoney$25.00$25.0012/13/2010 3:41:07 PM
79 bids
 
Borrower Payment Dependent Notes Series 485705
This series of Notes was issued and sold upon the funding of the borrower loan #45997, 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: 9.80% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $123.69
Final lender yield: 23.20% Final borrower rate/APR: 24.20% / 27.68% Final monthly payment: $118.01
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.37%  
Lender servicing fee: 1.00% Estimated return: 12.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1995 Debt/Income ratio: 14%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,899Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: LakersFan23 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2009)
 
Principal balance: $2,001.48 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my last few credit cards

My financial situation:
I am a good candidate for this loan because? I make payments on time and never miss payments.

Monthly net income: $ 3000

Monthly expenses: $ 1500
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0011/26/2010 1:01:23 PM
tomaswk$50.00$50.0011/26/2010 5:37:57 PM
squarebob$25.00$25.0011/26/2010 6:51:03 PM
Whitewater_Loans$50.00$50.0011/26/2010 7:38:03 PM
mikeandcat$70.65$70.6511/26/2010 10:40:53 PM
ptjg$45.64$45.6411/27/2010 1:00:40 AM
red-favorable-basis$25.00$25.0011/27/2010 3:30:19 AM
loanman2007$100.00$100.0011/27/2010 6:58:02 AM
lendstats_com$200.00$200.0011/27/2010 11:09:44 AM
tech310$50.00$50.0011/27/2010 2:33:24 PM
Bocephus1959$25.00$25.0011/28/2010 7:58:48 AM
fairness-atmosphere$25.00$25.0011/29/2010 11:14:42 AM
planetibet$50.00$50.0012/1/2010 4:24:19 PM
duty-monger$50.00$50.0012/2/2010 4:50:51 AM
credit-missile$25.00$25.0012/2/2010 8:23:15 AM
social-zebra$30.00$30.0012/2/2010 8:27:40 AM
investment-happiness$82.22$82.2212/2/2010 9:38:44 AM
Soulphoniks-Holdings$25.00$25.0012/2/2010 10:42:42 AM
credit-missile$25.00$25.0012/2/2010 7:35:09 AM
credit-missile$25.00$25.0012/2/2010 3:18:45 PM
Feyenoord$25.00$25.0012/2/2010 9:13:53 AM
bonus-quark4$25.00$25.0012/2/2010 10:44:01 AM
asya$25.00$25.0012/2/2010 3:58:15 PM
E-B$50.00$50.0012/3/2010 3:07:33 AM
Hidalgo2004$25.10$25.1012/3/2010 4:14:47 AM
loss-of-control$100.00$100.0012/2/2010 5:12:09 PM
realtormoises$25.00$25.0012/3/2010 6:27:00 AM
mex_invests$25.00$25.0012/3/2010 6:50:04 AM
sosleep$25.00$25.0012/3/2010 9:07:35 AM
scroooge$25.00$25.0012/3/2010 2:53:00 AM
aultraman$25.00$25.0012/3/2010 10:57:30 AM
Leshan$77.10$77.1012/3/2010 9:59:43 AM
Smallbear$25.00$25.0012/3/2010 11:48:44 AM
leverage-monger$25.00$25.0012/3/2010 7:00:45 AM
leverage-monger$25.00$25.0012/3/2010 11:14:45 AM
first-liberty-duckling$51.79$51.7912/3/2010 7:52:33 AM
britches613$25.00$25.0012/3/2010 9:13:08 AM
icon7$30.00$30.0012/3/2010 12:08:06 PM
worthy-bid4$25.00$25.0012/3/2010 12:23:12 PM
zztopdog$25.00$25.0012/3/2010 10:45:30 AM
wwwUniversal$25.00$25.0012/3/2010 12:00:51 PM
penny-plato$50.00$50.0011/26/2010 2:57:45 PM
SolarMoonshine$25.00$25.0011/26/2010 6:06:06 PM
usedtoborrow$29.22$29.2211/26/2010 6:07:39 PM
dudebrah$25.00$25.0011/29/2010 9:36:12 AM
mikeandcat$50.00$50.0011/30/2010 5:53:36 AM
mpatrick$25.00$25.0012/1/2010 2:52:50 PM
outofoffice$32.75$32.7512/1/2010 2:12:13 PM
Reliance_Banker$25.00$25.0012/1/2010 6:51:11 PM
grammaspurse$25.00$25.0012/2/2010 10:44:17 AM
culldud6900$38.84$38.8412/2/2010 3:43:55 PM
grampy48$50.00$50.0012/2/2010 1:04:30 PM
mckhbnpc$30.00$30.0012/2/2010 1:52:06 PM
credit-missile$25.00$25.0012/2/2010 3:18:24 PM
Moe87$25.00$25.0012/2/2010 5:10:26 PM
eloquent-bill6$25.00$25.0012/2/2010 9:10:46 PM
gothampark$25.00$25.0012/2/2010 9:24:22 PM
credit-missile$25.00$25.0012/2/2010 6:12:30 PM
Belair_Advisors$25.00$25.0012/2/2010 4:57:50 PM
loss-of-control$50.00$50.0012/2/2010 5:12:42 PM
spiff666$25.00$25.0012/3/2010 6:59:05 AM
halothane_logic$50.00$50.0012/3/2010 9:36:50 AM
CMDCO$50.00$50.0012/3/2010 9:55:21 AM
HammerSmith$25.00$25.0012/3/2010 9:29:03 AM
marwadi-62$200.00$200.0012/3/2010 10:56:11 AM
ultimate-peace$125.00$125.0012/3/2010 10:48:39 AM
benefit-zoomer$25.00$25.0012/3/2010 12:07:44 PM
skaught$30.00$30.0012/3/2010 11:39:56 AM
hopeful-truth5$200.00$51.6912/3/2010 11:42:09 AM
DasMula$25.00$25.0012/3/2010 11:47:22 AM
DasMula$25.00$25.0012/3/2010 11:47:41 AM
friendinmoney$25.00$25.0012/3/2010 12:27:53 PM
72 bids
 
Borrower Payment Dependent Notes Series 485805
This series of Notes was issued and sold upon the funding of the borrower loan #46029, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $218.33
 
Auction yield range: 13.57% - 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: Apr-1992 Debt/Income ratio: 30%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,346Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: bsargent49 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: 1 / 2 On-time: 43 ( 98% ) 680-699 (Latest)
Principal borrowed: $5,500.00< 31 days late: 1 ( 2% )  
700-719 (Jan-2010)
700-719 (Oct-2009)
640-659 (Dec-2007)
640-659 (Nov-2007)
 
Principal balance: $2,011.24 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Replacing hardwood floor
Purpose of loan:
This loan will be used to have hardwood flooring replaced in home.? the flooring has become damaged beyond repair and needs to replaced.? I will also pay off my current prosper loan with this new loan.

My car and insurance expenses are paid by my employer.? Also, the one late payment shown from prosper was due to a banking error, and was from the previous loan which is now paid off.

The reason for the drop in credit score is due to utilizing my main credit card for work travel expenses, my expenses are reimbursed monthly and at times the statements closes before the payment has been received so it shows a larger credit utilization percentage.

Monthly net income: $ 3000.00

Monthly expenses: $ 2170
??Housing: $ 1000
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 120
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Thylow$25.00$25.0011/26/2010 12:54:39 PM
graceful-investment$100.00$19.9311/26/2010 12:50:22 PM
glroark$50.00$50.0011/26/2010 1:01:41 PM
greenback-guard$25.00$25.0011/26/2010 1:04:06 PM
SolarMoonshine$25.00$25.0011/26/2010 6:09:50 PM
squarebob$25.00$25.0011/26/2010 6:19:33 PM
Whitewater_Loans$50.00$50.0011/26/2010 7:38:51 PM
alexgalt$50.00$50.0011/26/2010 7:29:47 PM
850$50.00$50.0011/26/2010 9:13:00 PM
Kash2010lu$35.00$35.0011/26/2010 10:49:09 PM
lendstats_com$200.00$200.0011/27/2010 11:11:43 AM
foothillender$25.00$25.0011/27/2010 7:55:31 AM
payout-reaction740$25.00$25.0011/28/2010 7:12:48 PM
truth-trapper$25.00$25.0011/28/2010 4:09:51 PM
genuine-integrity0$25.00$25.0011/29/2010 9:58:40 AM
loyalist1$50.00$50.0011/29/2010 2:44:33 PM
lender12345$25.00$25.0011/29/2010 8:57:58 PM
honey-money$25.00$25.0011/29/2010 5:28:49 PM
lucrative-loan$50.00$50.0011/30/2010 3:20:57 AM
pietro_torna_indietro$27.15$27.1511/29/2010 9:40:58 PM
investment-artist$25.00$25.0011/30/2010 9:04:21 AM
fairness-atmosphere$25.00$25.0011/30/2010 9:30:10 AM
good4loan$25.00$25.0011/30/2010 12:42:54 PM
blissful-dedication3$25.00$25.0011/30/2010 2:48:32 PM
nodebt2012$25.00$25.0011/30/2010 9:12:01 PM
zone6$86.94$86.9412/1/2010 4:34:54 AM
wonder3$25.00$25.0012/1/2010 6:04:39 AM
YoungTaxMan$124.48$124.4812/1/2010 1:51:29 PM
twjh$25.00$25.0012/1/2010 5:03:11 PM
SFBank$300.00$300.0012/1/2010 7:11:31 PM
loss-of-control$50.00$50.0012/1/2010 5:39:36 PM
cash-tent$30.00$30.0012/1/2010 10:49:50 PM
RebuildingAmerica$40.00$40.0012/1/2010 6:50:32 PM
fabulous-community4$25.00$25.0012/2/2010 3:12:29 AM
chameleon125$75.00$75.0012/1/2010 8:53:02 PM
mikeandcat$50.00$50.0012/2/2010 9:07:46 AM
bonus-quark4$25.00$25.0012/2/2010 10:48:06 AM
credit-missile$25.00$25.0012/2/2010 11:37:16 AM
Rashanir$25.00$25.0012/2/2010 1:02:26 PM
leverage-monger$25.00$25.0012/2/2010 9:28:54 AM
santhana$27.81$27.8112/2/2010 4:47:50 PM
credit-missile$25.00$25.0012/2/2010 3:20:02 PM
credit-missile$25.00$25.0012/2/2010 6:10:30 PM
niq4soccer$25.00$25.0012/2/2010 7:05:17 PM
Belair_Advisors$25.00$25.0012/2/2010 4:59:57 PM
NekHoldings$25.00$25.0012/3/2010 6:43:01 AM
loss-of-control$50.00$50.0012/2/2010 5:25:14 PM
Gobsek$25.00$25.0012/2/2010 7:13:34 PM
chato2345$31.20$31.2012/2/2010 10:18:07 PM
ddoneday$25.00$25.0012/3/2010 5:03:25 AM
JayIsABear$100.00$100.0012/3/2010 11:17:51 AM
RecoveryLender$38.82$38.8212/3/2010 10:17:34 AM
goodhearted-basis4$25.00$25.0012/3/2010 11:18:53 AM
LittleMingo$30.00$30.0012/3/2010 9:33:32 AM
HammerSmith$25.00$25.0012/3/2010 9:38:16 AM
auction-mastery$44.70$44.7012/3/2010 12:33:00 PM
social-zebra$35.81$35.8112/3/2010 10:21:07 AM
yield-lion2$25.00$25.0012/3/2010 11:33:10 AM
worthy-bid4$25.00$25.0012/3/2010 12:24:28 PM
friendinmoney$25.00$25.0012/3/2010 12:31:01 PM
Thylow$25.00$25.0011/26/2010 12:55:39 PM
UCLA4life$25.00$25.0011/26/2010 1:00:02 PM
ekmendenhall$55.00$55.0011/26/2010 12:54:33 PM
squarebob$25.00$25.0011/26/2010 6:20:02 PM
squarebob$25.00$25.0011/26/2010 6:18:50 PM
reflective-rupee$300.00$300.0011/26/2010 7:26:14 PM
verdiprr$50.00$50.0011/27/2010 8:51:58 AM
loanman2007$125.00$125.0011/27/2010 7:04:45 AM
blitzen40$25.00$25.0011/27/2010 11:07:25 AM
Whipster$25.00$25.0011/28/2010 12:05:05 PM
nimble-nickel$100.00$100.0011/28/2010 9:15:17 AM
DenimCapital$250.00$250.0011/29/2010 7:41:41 AM
eboomer2611$25.00$25.0011/29/2010 2:46:18 PM
periko$49.94$49.9411/29/2010 8:37:49 PM
1stBankAndHal$25.08$25.0811/29/2010 6:44:53 PM
DHolly$30.00$30.0011/30/2010 5:55:39 AM
FarmersBank$25.00$25.0011/30/2010 7:29:16 AM
DackoDenk$25.00$25.0011/30/2010 7:08:08 PM
Kqwik$30.00$30.0012/1/2010 3:04:17 AM
fund-javelin1$25.00$25.0012/1/2010 10:03:28 AM
Bob450$25.00$25.0012/1/2010 6:44:36 PM
economy-synapse$25.00$25.0012/1/2010 7:05:35 PM
loss-of-control$50.00$50.0012/1/2010 5:40:56 PM
realtormoises$25.00$25.0012/1/2010 5:56:17 PM
RyanM561$25.00$25.0012/1/2010 11:07:51 PM
Ven58$25.00$25.0012/2/2010 12:58:58 AM
Feyenoord$25.00$25.0012/2/2010 9:15:54 AM
Moe87$25.00$25.0012/2/2010 4:18:20 AM
rlaboy$25.00$25.0012/2/2010 8:08:26 AM
asya$30.00$30.0012/2/2010 3:59:06 PM
credit-missile$25.00$25.0012/2/2010 3:19:36 PM
credit-missile$25.00$25.0012/2/2010 3:20:25 PM
mikeandcat$100.00$100.0012/2/2010 9:07:09 AM
buffalobills$25.00$25.0012/2/2010 5:33:57 PM
wealth-multiplier$25.00$25.0012/2/2010 8:46:11 PM
jhouman$25.00$25.0012/3/2010 1:43:48 AM
sturdy-peace9$33.00$33.0012/3/2010 2:43:04 AM
Mikale360$25.00$25.0012/3/2010 6:24:42 AM
money-baron$26.04$26.0412/3/2010 6:43:22 AM
mikeandcat$100.00$100.0012/3/2010 7:03:38 AM
favorite-commerce$50.00$50.0012/3/2010 7:41:08 AM
2grindstones$30.00$30.0012/3/2010 10:04:18 AM
principal-laser$41.00$41.0012/3/2010 10:14:31 AM
halothane_logic$50.00$50.0012/3/2010 9:39:38 AM
hellasow$50.00$50.0012/3/2010 9:54:39 AM
Leshan$77.10$77.1012/3/2010 10:03:45 AM
Rogelio48$25.00$25.0012/3/2010 5:55:46 AM
DasMula$25.00$25.0012/3/2010 11:59:48 AM
DasMula$25.00$25.0012/3/2010 12:00:04 PM
social-heart$51.00$51.0012/3/2010 12:02:39 PM
william8$25.00$25.0012/3/2010 11:34:41 AM
competent-p2p$50.00$50.0012/3/2010 12:16:39 PM
112 bids
 
Borrower Payment Dependent Notes Series 486105
This series of Notes was issued and sold upon the funding of the borrower loan #45911, 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:  Nov-30-2010 
  Auction end date:  Dec-07-2010 
 
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: 13.57% - 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: Jan-1996 Debt/Income ratio: 13%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $65Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: computer-guru-chuck 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
Startup Costs for a new business
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)
money-bauble$25.00$25.0011/30/2010 2:02:38 PM
graceful-investment$100.00$100.0011/30/2010 1:59:06 PM
ASR3$25.00$25.0011/30/2010 2:06:01 PM
DonaldColorado$50.00$50.0011/30/2010 2:08:11 PM
bid-czar8$100.00$100.0011/30/2010 2:08:53 PM
simplelender80$100.00$100.0011/30/2010 2:10:25 PM
diplomatic-wealth7$25.00$25.0011/30/2010 2:09:35 PM
Artist_Blue$25.00$25.0012/1/2010 5:32:49 AM
ThatDanGuy$100.00$100.0012/1/2010 7:33:37 AM
Redmond$25.00$25.0012/1/2010 2:01:12 PM
tech310$25.00$25.0012/1/2010 2:54:45 PM
kind-adventurous-finance$41.71$41.7112/1/2010 11:22:52 AM
economy-synapse$25.00$25.0012/1/2010 7:53:24 PM
astute-investment5$25.00$25.0012/2/2010 4:12:56 AM
Mariner3605$44.49$44.4912/2/2010 1:59:32 PM
competent-p2p$25.00$25.0012/2/2010 11:11:09 AM
credit-sycamore4$100.00$100.0012/2/2010 3:01:00 PM
the-dollar-topper$100.00$100.0012/3/2010 11:41:08 AM
bountiful-durability$50.00$50.0012/3/2010 1:42:50 PM
missing-link$39.70$39.7012/3/2010 1:55:18 PM
orange-preeminant-bill$27.56$27.5612/3/2010 3:13:19 PM
teller$47.20$47.2012/3/2010 4:27:57 PM
FeedTheMachine$50.00$50.0012/3/2010 2:44:21 PM
Comoparklender$50.00$50.0012/3/2010 1:56:32 PM
soulful-truth$99.23$99.2312/3/2010 3:12:52 PM
IIP77$25.00$25.0012/3/2010 4:47:18 PM
rvfbroker$25.00$25.0012/3/2010 4:48:21 PM
kublai$25.00$25.0012/3/2010 4:53:18 PM
happy-return4$50.00$36.2212/3/2010 5:15:26 PM
dcap3$25.00$25.0012/3/2010 4:45:40 PM
wampum-launcher0$25.00$25.0012/3/2010 4:46:47 PM
LiveNow$25.00$25.0012/3/2010 4:47:05 PM
sagan$25.00$25.0012/3/2010 4:48:09 PM
raisingophelia$25.00$25.0012/3/2010 2:30:22 PM
secureincome$2,500.00$2,500.0012/3/2010 3:36:28 PM
radiant-loan5$25.00$25.0012/3/2010 3:52:02 PM
nybanker85$25.00$25.0012/3/2010 4:30:03 PM
social-heart$26.00$26.0012/3/2010 4:33:17 PM
FinDoc$30.00$30.0012/3/2010 4:45:02 PM
saffron4$25.00$25.0012/3/2010 4:47:07 PM
PrivateLoaner$50.00$50.0012/3/2010 4:48:10 PM
tszbgae$50.00$50.0012/3/2010 4:48:54 PM
capital-galaxy$300.00$300.0012/3/2010 8:19:00 PM
RyanM561$25.00$25.0012/5/2010 9:10:51 AM
upright-silver$25.00$25.0012/6/2010 4:30:17 PM
Alittleluck$25.00$25.0012/6/2010 4:45:02 PM
qcksilvr20$50.00$50.0012/7/2010 9:46:03 AM
leverage-monger$25.00$25.0012/7/2010 9:58:31 AM
partyplan$35.00$35.0012/7/2010 9:47:28 AM
kulender$100.00$100.0011/30/2010 2:06:09 PM
paytonbrigadier$200.00$200.0011/30/2010 2:08:25 PM
trade-boots1$100.00$100.0011/30/2010 2:09:13 PM
greenback-guard$25.00$25.0011/30/2010 2:13:23 PM
jazzlender$25.00$25.0011/30/2010 2:30:04 PM
bulsa$100.00$100.0011/30/2010 2:46:55 PM
jga516$25.00$25.0012/1/2010 9:39:21 AM
ichibon$25.00$25.0012/1/2010 9:59:40 AM
dedicated-transaction796$50.00$50.0012/1/2010 2:03:31 PM
handshake5$100.00$100.0012/1/2010 3:06:30 PM
jamiee73$25.00$25.0012/1/2010 4:58:59 PM
worthy-bid8$50.00$50.0012/1/2010 7:34:56 PM
visionary-currency$25.00$25.0012/2/2010 8:29:28 AM
newest-generous-income$25.00$25.0012/2/2010 9:34:53 AM
MikeyZ2008$30.41$30.4112/2/2010 9:50:09 AM
tuneman1980$25.00$25.0012/3/2010 1:40:08 PM
dparkhom$25.00$25.0012/3/2010 1:57:12 PM
crawfingers$25.00$25.0012/3/2010 12:19:25 PM
gold-channel2$50.00$50.0012/3/2010 12:20:41 PM
env$50.00$50.0012/3/2010 2:32:29 PM
ommcd$25.00$25.0012/3/2010 3:55:52 PM
Sibelius2$25.00$25.0012/3/2010 4:28:00 PM
inspiring-reward$150.00$150.0012/3/2010 1:55:15 PM
wise-silver-wonder$25.00$25.0012/3/2010 4:29:17 PM
reflective-rupee$25.00$25.0012/3/2010 3:44:33 PM
Learning2Lend$41.10$41.1012/3/2010 4:46:47 PM
asmithj$28.26$28.2612/3/2010 4:47:06 PM
newgroom422$25.00$25.0012/3/2010 4:48:20 PM
treasure-bliss$33.39$33.3912/3/2010 2:33:13 PM
LuvToLend$25.00$25.0012/3/2010 3:51:53 PM
onesunca$25.00$25.0012/3/2010 4:15:31 PM
buyrite334$25.00$25.0012/3/2010 4:27:39 PM
SolarMoonshine$25.00$25.0012/3/2010 5:43:04 PM
MrBailey$30.47$30.4712/3/2010 4:29:37 PM
AAKBCAPITAL$50.00$50.0012/3/2010 4:46:57 PM
britches613$25.00$25.0012/3/2010 4:48:15 PM
gain-gourd$34.26$34.2612/3/2010 4:53:06 PM
bid-carrier0$50.00$50.0012/3/2010 4:53:22 PM
onlyinchicago$50.00$50.0012/3/2010 5:15:21 PM
Bob450$25.00$25.0012/4/2010 11:44:08 AM
kc8fot$50.00$50.0012/6/2010 6:54:01 PM
hektek22$600.00$600.0012/6/2010 7:05:37 PM
Easystreet$25.00$25.0012/6/2010 7:06:11 PM
order-brigade$25.00$25.0012/7/2010 9:01:15 AM
radiant-loan5$200.00$200.0012/7/2010 6:13:38 AM
94 bids
 
Borrower Payment Dependent Notes Series 486197
This series of Notes was issued and sold upon the funding of the borrower loan #45926, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-30-2010 
  Auction end date:  Dec-07-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $196.49
Final lender yield: 30.95% Final borrower rate/APR: 31.95% / 35.60% Final monthly payment: $195.87
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.62%  
Lender servicing fee: 1.00% Estimated return: 15.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-2002 Debt/Income ratio: 19%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 8Length of status:10y 8m
Amount delinquent: $1,850 Total credit lines: 25 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $818Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: peaceful-platinum3 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Revolving Debt
As you can see from my credit score I pay my bills and protect my credit.? This will be no different.? You will get a great return and consistent payment.
Thank you for considering this loan.? It is greatly appreciated.
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)
reflective-rupee$25.00$25.0012/1/2010 9:41:55 AM
SolarMoonshine$25.00$25.0012/1/2010 5:48:14 PM
alexgalt$25.00$25.0012/1/2010 10:18:52 PM
scrappy-diversification7$2,700.00$2,220.0012/3/2010 12:03:20 PM
Bob450$25.00$25.0012/4/2010 11:44:49 AM
dough-rocket$50.00$50.0012/5/2010 7:27:54 AM
Rogelio48$25.00$25.0012/5/2010 9:31:25 PM
tender-transaction$50.00$50.0012/6/2010 2:22:31 PM
LindaRicci$25.00$25.0012/6/2010 10:07:35 AM
dedicated-transaction796$50.00$50.0012/6/2010 3:35:46 PM
kc8fot$50.00$50.0012/6/2010 6:54:04 PM
cunning-bill$25.00$25.0012/6/2010 5:04:16 PM
lightninghcky7$25.00$25.0012/6/2010 7:42:11 PM
upright-silver$25.00$25.0012/7/2010 9:12:20 AM
Whipster$25.00$25.0012/7/2010 9:14:18 AM
ultimate-peace$75.00$75.0012/7/2010 12:37:28 PM
investment-happiness$100.00$100.0012/7/2010 1:23:31 PM
alexgalt$100.00$100.0011/30/2010 2:09:51 PM
greenback-guard$25.00$25.0011/30/2010 2:13:25 PM
peace-birdie$250.00$250.0012/1/2010 11:48:00 AM
peace-birdie$250.00$250.0012/1/2010 2:43:35 PM
peace-birdie$100.00$100.0012/2/2010 1:39:39 PM
MrMoneyBags$30.00$30.0012/3/2010 1:39:12 PM
Ven58$25.00$25.0012/4/2010 12:58:30 AM
thankful-nickel2$25.00$25.0012/5/2010 1:40:40 PM
melodious-openness$400.00$400.0012/5/2010 6:16:56 AM
shrewd-income$25.00$25.0012/6/2010 2:46:39 PM
LeverageLender$25.00$25.0012/6/2010 3:56:00 PM
investment-visionary$25.00$25.0012/6/2010 8:03:46 PM
jhernand17$25.00$25.0012/7/2010 9:13:19 AM
grampy48$25.00$25.0012/7/2010 6:59:25 AM
goodhearted-basis4$25.00$25.0012/6/2010 11:33:16 PM
Rip128$100.00$100.0012/7/2010 9:44:55 AM
Lubava$25.00$25.0012/7/2010 10:45:34 AM
scappellee$25.00$25.0012/7/2010 7:42:43 AM
108lender$150.00$150.0012/7/2010 8:30:12 AM
36 bids
 
Borrower Payment Dependent Notes Series 486969
This series of Notes was issued and sold upon the funding of the borrower loan #46008, 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-07-2010 
  Auction end date:  Dec-13-2010 
 
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: Aug-2002 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:2y 5m
Amount delinquent: $49 Total credit lines: 17 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,455Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: feywill95 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
Debt Consolidation
Purpose of loan:
The purpose of this loan is for debt consolidation.

The debt that I have accumulated stems from when I purchased a home 2 years ago. I was a first time homebuyer. I needed items such as appliances, furniture and other items to make my home livable. I didn't have that kind of cash on hand so I ended up using credit. I have been paying each company that I owe on time. It would be wonderful to not have to pay multiple companies at different times of the month and at various interest rates. By obtaining this loan, I would be able to consolidate the debt that I have accumulated into one payment. With help from the wonderful lenders at Prosper, I would finally be able to get rid of this debt for once and for all. It would really give me a great sense of accomplishment as well. I hope one day to become a Prosper lender. I really appreciate you taking the time to consider my loan request.
My financial situation:
I am gainfully employed and have a great stable job. I am also an honest person. I will?pay of this loan within 1.5 to 2 years.

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 130
??Car expenses: $ 254
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 50
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 350
??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
Q: What are the current interest rates on the debt you are planning to pay off? Thanks and good luck - penny-plato
A: Thank you for the question. The current interest rates on the credit card debt that I will be paying off ranges from 24.99% to 36.99%. (Dec-08-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ukstevenhawaii$100.00$100.0012/7/2010 2:59:33 PM
Aragorn$25.00$25.0012/7/2010 3:13:33 PM
integrity-liberator$50.00$50.0012/7/2010 3:14:02 PM
worthy-bid8$50.00$50.0012/7/2010 3:11:43 PM
kulender$50.00$50.0012/7/2010 3:28:13 PM
visionary-currency$42.79$42.7912/7/2010 3:12:24 PM
Redmond$25.00$25.0012/7/2010 3:29:22 PM
balance-handshake7$50.00$50.0012/7/2010 4:07:32 PM
Bank42$50.00$50.0012/7/2010 3:01:54 PM
DonaldColorado$50.00$50.0012/7/2010 3:27:17 PM
bid-czar8$100.00$100.0012/7/2010 3:27:29 PM
diplomatic-wealth7$25.00$25.0012/7/2010 3:27:36 PM
ichibon$25.00$25.0012/7/2010 3:29:47 PM
Tikibarman$100.00$100.0012/7/2010 3:14:46 PM
commitment-symphony9$25.00$25.0012/7/2010 8:03:14 PM
simplelender80$100.00$100.0012/7/2010 3:27:55 PM
paytonbrigadier$150.00$150.0012/7/2010 5:55:26 PM
vigorous-velocity$50.00$50.0012/7/2010 3:32:59 PM
bountiful-durability$51.93$51.9312/8/2010 12:57:14 AM
lendstats_com$200.00$200.0012/7/2010 5:16:09 PM
reflective-rupee$350.00$350.0012/8/2010 9:27:46 AM
jamiee73$25.00$25.0012/7/2010 7:00:37 PM
rapid-credit428$25.00$25.0012/8/2010 2:37:44 PM
investment-comet$25.00$25.0012/7/2010 9:31:40 PM
dedicated-transaction796$50.00$50.0012/8/2010 12:23:10 PM
penny-plato$50.00$50.0012/8/2010 4:59:51 AM
ThatDanGuy$88.65$88.6512/8/2010 2:26:55 PM
dollar-sonnet3$50.00$50.0012/8/2010 8:03:15 AM
troile$25.00$25.0012/8/2010 5:31:36 PM
108lender$25.54$25.5412/8/2010 3:26:33 PM
FeedTheMachine$49.29$49.2912/9/2010 1:01:26 AM
EBITDA$25.00$25.0012/9/2010 3:21:42 AM
fund-secret-agent$25.00$25.0012/9/2010 3:33:21 AM
bulsa$100.00$100.0012/9/2010 11:00:44 AM
teller$50.00$50.0012/9/2010 1:32:48 PM
JSON$25.00$25.0012/9/2010 1:38:29 PM
orange-preeminant-bill$50.00$50.0012/9/2010 1:52:43 PM
Cheburashka$25.00$25.0012/9/2010 1:56:33 PM
retired272$25.00$25.0012/9/2010 1:27:02 PM
bid-carrier0$50.00$50.0012/9/2010 1:32:38 PM
env$50.00$50.0012/9/2010 1:32:50 PM
social-conductor4$25.00$25.0012/9/2010 1:51:43 PM
DrStaff$25.96$25.9612/9/2010 2:31:54 PM
burrito6$25.00$25.0012/9/2010 11:26:52 AM
flwah$25.00$25.0012/9/2010 2:56:58 PM
newest-generous-income$25.00$25.0012/9/2010 1:32:53 PM
ommcd$25.00$25.0012/9/2010 1:33:04 PM
wampum-launcher0$25.00$25.0012/9/2010 1:33:07 PM
famous-bill$25.00$25.0012/9/2010 1:51:57 PM
periko$25.00$25.0012/11/2010 7:47:29 AM
buffalobills$25.00$25.0012/11/2010 1:06:08 PM
glroark$50.00$50.0012/11/2010 10:19:46 AM
openness-prospector$25.00$25.0012/12/2010 1:53:06 PM
DHolly$30.00$30.0012/12/2010 7:07:25 PM
power-secret-agent$25.00$25.0012/12/2010 8:21:00 AM
nickel-position$25.00$25.0012/12/2010 3:29:53 PM
income-rocker2$75.30$75.3012/13/2010 8:38:02 AM
ASR3$35.00$35.0012/7/2010 3:26:37 PM
Artist_Blue$25.00$25.0012/7/2010 3:28:42 PM
secureincome$2,000.00$2,000.0012/7/2010 2:56:04 PM
finance_mba$25.00$25.0012/7/2010 3:00:54 PM
graceful-investment$100.00$100.0012/7/2010 3:08:23 PM
money-bauble$25.00$25.0012/7/2010 3:10:28 PM
handshake5$100.00$100.0012/7/2010 3:29:32 PM
SolarMoonshine$25.00$25.0012/7/2010 5:36:51 PM
fair-peace7$25.00$25.0012/7/2010 3:11:56 PM
symbiosis$50.00$50.0012/7/2010 3:32:48 PM
soulful-truth$46.46$46.4612/7/2010 6:09:02 PM
the-dollar-topper$100.00$100.0012/7/2010 3:30:23 PM
greenback-guard$25.00$25.0012/7/2010 3:33:07 PM
371millwood$200.00$200.0012/7/2010 6:34:34 PM
leverage-trident$25.00$25.0012/8/2010 5:56:44 AM
FinDoc$30.00$30.0012/8/2010 9:59:25 AM
gold-channel2$50.00$50.0012/8/2010 12:01:50 PM
gulch$50.00$50.0012/8/2010 2:41:44 PM
worth-topper4$25.00$25.0012/8/2010 3:47:14 PM
Interstate_Rate$100.00$100.0012/8/2010 4:16:48 PM
economy-producer$25.00$25.0012/8/2010 7:31:43 PM
verdiprr$100.00$100.0012/9/2010 7:42:47 AM
inspiring-reward$60.42$60.4212/9/2010 1:01:31 AM
Q9-X3$25.00$25.0012/8/2010 5:19:17 PM
jazzlender$25.00$25.0012/9/2010 1:25:38 PM
astute-investment5$25.00$25.0012/9/2010 1:29:21 PM
radiant-loan5$25.00$25.0012/9/2010 1:32:47 PM
bnlforever$25.00$25.0012/9/2010 1:52:05 PM
profit-powerplant$25.00$25.0012/9/2010 1:52:47 PM
the-determined-value$50.00$50.0012/8/2010 11:23:58 PM
rmachi$25.00$25.0012/9/2010 10:31:34 AM
trade-boots1$94.36$94.3612/9/2010 1:25:37 PM
missing-link$50.00$50.0012/9/2010 1:29:19 PM
encore06$25.00$25.0012/9/2010 7:21:36 AM
tszbgae$50.00$50.0012/9/2010 1:32:41 PM
Comoparklender$50.00$50.0012/9/2010 1:32:51 PM
Mariner3605$47.89$47.8912/9/2010 1:33:02 PM
velocity-solo$25.00$25.0012/9/2010 2:21:12 PM
Soxxes$25.00$25.0012/9/2010 9:16:38 AM
radiant-loan5$175.00$175.0012/9/2010 4:55:45 PM
shrewd-peace7$25.00$25.0012/9/2010 11:24:51 AM
p2p-czar3$25.00$25.0012/9/2010 2:54:51 PM
yeti888$25.00$15.6012/9/2010 2:57:57 PM
treasure-bliss$47.15$47.1512/9/2010 1:29:16 PM
AAKBCAPITAL$50.00$50.0012/9/2010 1:32:46 PM
raisingophelia$25.00$25.0012/9/2010 1:33:05 PM
IIP77$25.00$25.0012/9/2010 1:52:01 PM
attractive-point5$50.00$50.0012/10/2010 9:10:08 AM
nybanker85$25.00$25.0012/9/2010 2:57:46 PM
Rogelio48$30.00$30.0012/10/2010 9:37:48 AM
BankofBeth$25.00$25.0012/10/2010 12:50:50 PM
spiff666$25.00$25.0012/11/2010 7:59:34 AM
EretzCapital$50.00$50.0012/11/2010 7:57:43 PM
kendallv$28.66$28.6612/11/2010 2:46:07 PM
Bob450$25.00$25.0012/11/2010 6:00:21 PM
luminous-payout6$25.00$25.0012/12/2010 9:38:18 PM
113 bids
 
Borrower Payment Dependent Notes Series 486979
This series of Notes was issued and sold upon the funding of the borrower loan #45923, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $309.21
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $309.21
 
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): 7 First credit line: Feb-1994 Debt/Income ratio: 24%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:41y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,771Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: resplendent-duty9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 680-699 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2010)
 
Principal balance: $8,630.99 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
pay down credit cards
Purpose of loan:
This loan will be used to? help pay down some high interest credit cards and pay off some unexpected expenses

My financial situation:
I am a good candidate for this loan because? i have another loan with prosper and have paid as scheduled

Monthly net income: $ 4500

Monthly expenses: $
??Housing:550??Insurance: $ 70
??Car expenses: $ 436payment plus?$80?fuel??Utilities: $400
??Phone, cable, internet: $?160
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
secureincome$2,000.00$2,000.0012/7/2010 2:56:07 PM
impeccable-transparency$150.00$150.0012/7/2010 2:57:25 PM
finance_mba$25.00$25.0012/7/2010 3:00:55 PM
Bank42$50.00$50.0012/7/2010 3:01:54 PM
credit-investor5$25.00$25.0012/7/2010 3:12:32 PM
ukstevenhawaii$100.00$100.0012/7/2010 2:59:34 PM
simplelender80$100.00$100.0012/7/2010 3:26:54 PM
the-dollar-topper$100.00$100.0012/7/2010 3:30:24 PM
GElender$25.00$25.0012/7/2010 3:30:33 PM
nilonc1$50.00$50.0012/7/2010 3:16:10 PM
hopeful-truth5$100.00$100.0012/7/2010 3:25:52 PM
Thylow$100.00$100.0012/7/2010 3:25:57 PM
kulender$50.00$50.0012/7/2010 3:28:14 PM
money-bauble$25.00$25.0012/7/2010 3:10:29 PM
symbiosis$50.00$50.0012/7/2010 3:32:50 PM
integrity-liberator$50.00$50.0012/7/2010 3:14:01 PM
Whipster$60.00$60.0012/7/2010 7:16:32 PM
finance-prescription$50.00$50.0012/7/2010 3:27:01 PM
Artist_Blue$25.00$25.0012/7/2010 3:28:41 PM
Redmond$25.00$25.0012/7/2010 3:29:26 PM
investment-comet$25.00$25.0012/7/2010 9:31:41 PM
commerce-yeller$25.00$25.0012/7/2010 3:31:23 PM
paytonbrigadier$26.42$26.4212/7/2010 9:46:43 PM
mercuriant$25.00$25.0012/7/2010 3:33:03 PM
reflective-rupee$100.00$100.0012/7/2010 4:12:16 PM
commitment-symphony9$25.00$25.0012/7/2010 8:03:15 PM
Thylow$100.00$100.0012/7/2010 5:14:46 PM
tech310$35.06$35.0612/7/2010 8:40:38 PM
B-rad_the_Coug$25.00$25.0012/7/2010 8:56:34 PM
leverage-trident$25.00$25.0012/8/2010 5:56:43 AM
gulch$50.00$50.0012/8/2010 12:23:25 PM
oldmora$50.00$50.0012/8/2010 1:31:41 PM
EBITDA$25.00$25.0012/8/2010 10:14:39 AM
bountiful-durability$100.00$100.0012/8/2010 12:57:12 AM
rapid-credit428$25.00$25.0012/8/2010 2:37:45 PM
relentless-fund1$50.00$50.0012/8/2010 9:36:47 AM
gold-channel2$50.00$50.0012/8/2010 12:01:53 PM
raisingophelia$25.00$25.0012/8/2010 1:31:34 PM
the-determined-value$50.00$50.0012/8/2010 11:24:00 PM
Interstate_Rate$100.00$100.0012/8/2010 4:16:47 PM
dedicated-transaction796$34.39$34.3912/8/2010 3:52:31 PM
108lender$108.38$108.3812/9/2010 11:26:34 AM
ThatDanGuy$100.00$100.0012/9/2010 1:25:43 PM
treasure-bliss$32.05$32.0512/9/2010 1:52:03 PM
velocity-solo$25.00$25.0012/9/2010 2:21:12 PM
bulsa$100.00$100.0012/9/2010 11:00:45 AM
FeedTheMachine$50.00$50.0012/9/2010 11:26:41 AM
inspired-finance$25.39$25.3912/9/2010 10:28:37 AM
rmachi$25.00$25.0012/9/2010 10:31:35 AM
Cheburashka$25.00$25.0012/9/2010 5:17:43 PM
DreamsDoComeTrue$40.21$40.2112/9/2010 6:02:20 PM
finance-solo$25.00$25.0012/9/2010 7:54:57 PM
astute-investment5$25.00$25.0012/9/2010 1:29:24 PM
JSON$25.00$25.0012/9/2010 1:38:30 PM
loan_doctor$25.00$25.0012/10/2010 12:49:55 AM
jblack01$25.00$25.0012/10/2010 1:24:16 AM
NoCal$25.00$25.0012/10/2010 1:40:44 AM
gallant-economy9$29.64$29.6412/10/2010 1:44:19 AM
mammalian4$50.00$50.0012/10/2010 8:12:38 AM
nodrivelpls$25.00$25.0012/10/2010 1:10:34 AM
tszbgae$50.00$50.0012/9/2010 3:42:39 PM
ivy-league-MBA$25.00$25.0012/10/2010 1:43:58 AM
transparency-boss439$50.00$50.0012/10/2010 3:17:01 AM
radiant-loan5$25.00$25.0012/9/2010 4:57:10 PM
parsec458$50.00$50.0012/9/2010 7:36:53 PM
soulwork$25.00$25.0012/9/2010 7:46:42 PM
TheGeek$25.00$25.0012/9/2010 8:01:55 PM
mla$25.00$25.0012/10/2010 12:52:45 AM
bodascafe$25.00$25.0012/10/2010 1:40:01 AM
graceful-investment$100.00$100.0012/7/2010 3:08:24 PM
fair-peace7$25.00$25.0012/7/2010 3:11:57 PM
Aragorn$25.00$25.0012/7/2010 3:13:31 PM
Tikibarman$100.00$100.0012/7/2010 3:14:46 PM
ichibon$50.00$50.0012/7/2010 3:28:30 PM
balance-handshake7$50.00$50.0012/7/2010 4:07:31 PM
reflective-rupee$50.00$50.0012/7/2010 4:13:16 PM
ASR3$35.00$35.0012/7/2010 3:26:35 PM
finance-prescription$100.00$100.0012/7/2010 3:27:03 PM
worthy-bid8$50.00$50.0012/7/2010 3:11:43 PM
soulful-truth$50.00$50.0012/7/2010 5:47:13 PM
DonaldColorado$50.00$50.0012/7/2010 3:27:17 PM
bid-czar8$100.00$100.0012/7/2010 3:27:29 PM
diplomatic-wealth7$25.00$25.0012/7/2010 3:27:37 PM
handshake5$100.00$100.0012/7/2010 3:29:33 PM
vigorous-velocity$50.00$50.0012/7/2010 3:32:59 PM
all_of_that_one$25.00$25.0012/7/2010 8:02:56 PM
brother_tam$50.00$50.0012/8/2010 12:34:11 AM
Trakissta$300.00$300.0012/7/2010 7:16:41 PM
wonder3$25.00$25.0012/8/2010 6:14:58 AM
dollar-sonnet3$50.00$50.0012/8/2010 8:03:17 AM
encore06$25.00$25.0012/9/2010 7:21:38 AM
Soxxes$25.00$25.0012/9/2010 9:16:39 AM
Goldfingers$25.00$25.0012/9/2010 7:59:33 AM
greencat$50.00$50.0012/9/2010 8:03:55 AM
Q9-X3$25.00$25.0012/8/2010 7:31:42 PM
lucrative-loan$38.95$38.9512/9/2010 9:01:28 AM
inspiring-reward$25.00$25.0012/9/2010 11:26:42 AM
teller$48.17$48.1712/9/2010 1:53:10 PM
jazzlender$25.00$25.0012/9/2010 2:07:22 PM
top-historic-peso$25.00$25.0012/9/2010 4:56:47 PM
kc8fot$50.00$50.0012/9/2010 11:23:53 AM
flwah$25.00$25.0012/9/2010 6:11:40 PM
famous-hope$25.00$25.0012/9/2010 7:44:03 PM
AAKBCAPITAL$50.00$50.0012/9/2010 3:58:23 PM
zeelender$25.00$25.0012/10/2010 1:10:38 AM
newgroom422$25.00$25.0012/10/2010 1:10:57 AM
apostle901$25.67$25.6712/10/2010 1:42:10 AM
return-pumpkin7$25.00$25.0012/9/2010 6:02:33 PM
ore-seagull$40.00$40.0012/9/2010 9:31:48 PM
Digs$25.00$25.0012/10/2010 1:07:11 AM
nycloan$25.00$25.0012/9/2010 3:27:09 PM
Sateesh$30.60$30.6012/10/2010 1:12:45 AM
Skiph$25.00$25.0012/10/2010 1:23:26 AM
ouyangers$25.00$25.0012/10/2010 1:41:16 AM
ommcd$25.00$25.0012/9/2010 7:45:13 PM
miked8303$25.00$25.0012/9/2010 7:46:38 PM
brazilofmux$45.22$45.2212/10/2010 12:53:58 AM
hope-eagle6$25.00$19.8512/10/2010 1:48:53 AM
drcoop$25.00$25.0012/10/2010 9:33:19 AM
119 bids
 
Borrower Payment Dependent Notes Series 487035
This series of Notes was issued and sold upon the funding of the borrower loan #45935, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $114.57
Final lender yield: 21.00% Final borrower rate/APR: 22.00% / 25.44% Final monthly payment: $114.57
 
Auction yield range: 16.51% - 21.00% Estimated loss impact: 25.19%  
Lender servicing fee: 1.00% Estimated return: -4.19%  
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: Jan-2003 Debt/Income ratio: 39%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,307Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: doctorgrab Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2010)
660-679 (Apr-2010)
700-719 (Feb-2010)
620-639 (Dec-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
Prosper lender wants to refinance
Purpose of loan: Reduce the rate of a loan used to start my small business
approx $5500 left out of $10,000.00 @ 27.9%
I plan to pay off this loan loan with the prosper loan and the rest with money from the business

My financial situation:
I have steady income and also have income from my recently started business
As you can see my credit score has dropped in the last year, this is due to the fact that I took on a couple loans to start my dream, which so far has been successful. I have never missed nor been late on any payments.

Monthly net income: $ approx 3200
I have a steady $2500 a month check from my regular job


Monthly expenses: $
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $ 200
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 500
??Other expenses: $ 50
any money left over half goes to savings and half goes toward paying down debt

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 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: honestly I don't see how my mortgage would pertain to this loan, this loan is being used to refinance a business loan. I currently owe $88,000 on my home it's valued at $180,000 (Dec-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alexgalt$50.00$50.0012/8/2010 3:00:01 PM
tacologic$50.00$50.0012/10/2010 1:17:37 PM
well-rounded-dinero$100.00$100.0012/10/2010 10:56:22 AM
gpuck$25.00$25.0012/10/2010 6:54:25 PM
Oak-Parker$25.00$25.0012/10/2010 7:23:12 PM
hellasow$25.00$25.0012/10/2010 4:08:31 PM
SolarMoonshine$25.00$25.0012/10/2010 5:46:24 PM
well-mannered-income3$40.00$40.0012/10/2010 4:32:04 PM
cash-tent$30.00$30.0012/12/2010 11:45:12 AM
BrighterSuns$25.00$25.0012/12/2010 11:51:37 AM
friendinmoney$25.00$25.0012/13/2010 3:21:59 PM
credit-missile$25.00$25.0012/14/2010 5:42:18 PM
Leshan$200.00$200.0012/15/2010 8:27:04 AM
WisconsinLiberal$25.00$25.0012/15/2010 8:37:35 AM
pioneer580$30.00$30.0012/15/2010 9:05:20 AM
credit-missile$25.00$25.0012/14/2010 5:43:45 PM
gtheone$100.00$100.0012/15/2010 9:27:29 AM
well-rounded-dinero$150.00$150.0012/15/2010 11:11:59 AM
friendinmoney$25.00$25.0012/15/2010 2:45:24 PM
RecoveryLender$25.00$25.0012/15/2010 9:49:37 AM
JGuide$200.08$200.0812/9/2010 1:40:18 PM
JGuide$101.97$101.9712/9/2010 1:41:01 PM
loanman2007$200.00$200.0012/10/2010 5:06:31 AM
lendstats_com$200.00$200.0012/10/2010 10:15:12 AM
hellasow$25.00$25.0012/10/2010 4:09:37 PM
red-favorable-basis$25.00$25.0012/11/2010 8:15:53 AM
pioneer580$50.00$50.0012/11/2010 1:08:22 PM
matthewa$25.00$25.0012/13/2010 7:21:54 AM
reflective-rupee$25.00$20.9812/13/2010 11:47:45 AM
credit-missile$25.00$25.0012/14/2010 5:42:51 PM
credit-missile$25.00$25.0012/14/2010 5:43:18 PM
JGuide$1,001.97$1,001.9712/14/2010 10:13:20 PM
pioneer580$50.00$50.0012/14/2010 10:21:10 PM
businessguy29$25.00$25.0012/15/2010 9:52:05 AM
34 bids
 
Borrower Payment Dependent Notes Series 487107
This series of Notes was issued and sold upon the funding of the borrower loan #46038, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $105.45
Final lender yield: 24.90% Final borrower rate/APR: 25.90% / 29.42% Final monthly payment: $100.59
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.42%  
Lender servicing fee: 1.00% Estimated return: 13.48%  
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: May-2006 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 5 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $485Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: famous-velocity5 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.
Description
Paying off Hospital bills
Purpose of loan:
This loan will be used to pay off hospital bills. ?

My financial situation:
I work hard and i am very responsible. Paying off this loan shall not be a problem because i do not pay a mortgage and live with my parents. I do not have many debts but due to the recent car accident i have gotten into, Please help.

Monthly net income: $ 2100

Monthly expenses: $ 1000
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 200
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??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: How much is your total medical bill? Are you working? - p2ploan-sensation211
A: Total medical bill is around 4500 and i have the rest of the cash. Yes i do work full time for a company called sparks. They Contract me assignments where i do administrative work as well as clerical work. (Dec-14-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ac787$25.00$25.0012/11/2010 8:30:24 AM
vine99$50.00$50.0012/12/2010 2:42:03 PM
exchange-dreams$25.00$25.0012/12/2010 11:18:14 AM
building_community$25.00$25.0012/12/2010 12:41:16 PM
SweatyBalls$50.00$50.0012/13/2010 6:16:56 AM
nodebt2012$25.00$25.0012/13/2010 5:46:49 PM
greenback-guard$25.00$25.0012/13/2010 4:43:20 PM
Kennfusion$100.00$100.0012/14/2010 4:36:43 AM
taetrade$25.00$25.0012/14/2010 11:20:32 AM
Pu239$60.00$60.0012/14/2010 10:04:22 AM
duty-monger$50.00$50.0012/14/2010 3:51:21 AM
loanman2007$50.00$50.0012/14/2010 6:18:37 AM
ShadowLender$50.00$50.0012/14/2010 8:05:06 AM
point-tornado$25.00$25.0012/14/2010 10:00:20 AM
lightninghcky7$25.00$25.0012/14/2010 1:31:37 PM
melodious-openness$200.00$94.3412/14/2010 5:10:21 PM
tkr2$25.00$25.0012/14/2010 6:36:34 PM
goodhearted-basis4$25.00$25.0012/14/2010 10:06:17 PM
MrMoneyBags$25.00$25.0012/14/2010 4:49:22 PM
willinvest$25.00$25.0012/14/2010 5:13:49 PM
Grandmahoneybee$25.00$25.0012/14/2010 5:38:04 PM
Free-the-usa-1776$25.00$25.0012/14/2010 5:38:10 PM
bold-dynamic-silver$25.00$25.0012/14/2010 7:44:05 PM
Loanstou$53.36$53.3612/14/2010 8:08:35 PM
CapricornLending$30.00$30.0012/14/2010 8:24:00 PM
ColoradoLender82$25.00$25.0012/15/2010 12:35:18 PM
JayIsABear$35.00$35.0012/15/2010 12:42:15 PM
mspiggybank$200.00$200.0012/15/2010 8:07:25 AM
ptclender$100.00$100.0012/15/2010 1:45:48 PM
friendinmoney$50.00$50.0012/15/2010 2:35:19 PM
nickel-hickory$200.00$200.0012/15/2010 10:01:44 AM
gjm6d$25.00$25.0012/15/2010 2:04:03 AM
SkinnyFish$25.00$25.0012/15/2010 1:33:21 PM
2grindstones$25.00$25.0012/15/2010 1:44:45 PM
Bob450$25.00$25.0012/15/2010 7:24:37 AM
tech310$27.30$27.3012/15/2010 8:41:26 AM
bosloan26$45.00$45.0012/15/2010 12:22:11 PM
reflective-rupee$100.00$100.0012/8/2010 2:58:20 PM
bold-attentive-listing$25.00$25.0012/8/2010 7:31:50 PM
SolarMoonshine$25.00$25.0012/8/2010 5:31:39 PM
enriching-payout$25.00$25.0012/10/2010 5:06:35 PM
mammalian4$25.00$25.0012/10/2010 9:47:08 PM
icanhasloanz$25.00$25.0012/12/2010 11:41:10 PM
Credit4Talent$25.00$25.0012/14/2010 9:08:49 AM
cash-tent$30.00$30.0012/13/2010 7:08:09 PM
HammerSmith$25.00$25.0012/14/2010 1:21:57 PM
trumpeter5$25.00$25.0012/14/2010 4:03:15 PM
balanced-balance6$25.00$25.0012/15/2010 4:23:00 AM
dudebrah$25.00$25.0012/14/2010 10:30:39 PM
gain-dolphin$25.00$25.0012/15/2010 12:10:01 PM
worth-topper4$25.00$25.0012/15/2010 12:48:24 PM
dough-hammock$25.00$25.0012/15/2010 12:49:37 PM
moola-monger9$50.00$50.0012/15/2010 1:20:53 PM
income-rocker2$25.00$25.0012/15/2010 1:28:31 PM
yons88$25.00$25.0012/15/2010 1:45:37 PM
Astyanax$50.00$50.0012/15/2010 10:18:54 AM
shrewd-income$75.00$75.0012/15/2010 2:25:23 PM
lovely-order7$50.00$50.0012/15/2010 2:45:51 PM
investment-cluster$25.00$25.0012/15/2010 2:13:35 PM
59 bids
 
Borrower Payment Dependent Notes Series 487109
This series of Notes was issued and sold upon the funding of the borrower loan #46020, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $470.05
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $470.05
 
Auction yield range: 2.51% - 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: Jul-1996 Debt/Income ratio: 14%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,859Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: harbor6 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
So dad can be just dad
Purpose of loan:
I currently owe my dad about $15K for school and various expenses over the years. I tried renting a house with friends to save money on rent, but that backfired on me. Dad didn't expect me to still owe him thousands of dollars six years out of school, and it creates tension between us.

My financial situation:
I can easily make payments of a few hundred dollars a month. I just need a little structure.
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)
DavenportCapital$25.00$25.0012/7/2010 2:54:34 PM
tenacious-payout$25.00$25.0012/7/2010 2:55:52 PM
ussugm$25.00$25.0012/7/2010 2:58:20 PM
blot44$25.00$25.0012/7/2010 2:59:23 PM
hope-encourager$50.00$50.0012/7/2010 3:00:08 PM
red-trade-cologne$50.00$50.0012/7/2010 3:09:19 PM
the-bright-velocity$25.00$25.0012/7/2010 3:09:29 PM
meenan$50.00$50.0012/7/2010 3:12:55 PM
rainbowsorbet$25.00$25.0012/7/2010 3:14:35 PM
verse99$25.00$25.0012/7/2010 3:17:01 PM
Doc23$25.00$25.0012/7/2010 3:17:54 PM
delicious-social132$50.00$50.0012/7/2010 3:18:16 PM
mizount$25.00$25.0012/7/2010 2:57:49 PM
chrisb1414$25.00$25.0012/7/2010 3:18:50 PM
wampum-launcher0$25.00$25.0012/7/2010 3:20:02 PM
Hondo$25.00$25.0012/7/2010 3:20:05 PM
fishtale$25.00$25.0012/7/2010 3:20:32 PM
chekat$25.00$25.0012/7/2010 3:20:39 PM
KeepOnRunning$50.00$50.0012/7/2010 3:20:56 PM
grf1945$25.00$25.0012/7/2010 3:21:33 PM
Curly-Girly$25.00$25.0012/7/2010 3:21:38 PM
sensible-order2$50.00$50.0012/7/2010 3:22:24 PM
Trevor_C$25.00$25.0012/7/2010 3:01:28 PM
gigabit$50.00$50.0012/7/2010 3:01:31 PM
generous-deal6$50.00$50.0012/7/2010 3:22:40 PM
brightest-affluence-motivator$100.00$100.0012/7/2010 3:22:47 PM
Emgolda$25.00$25.0012/7/2010 3:23:18 PM
forrestgump$50.00$50.0012/7/2010 3:23:23 PM
skuba$100.00$100.0012/7/2010 3:23:53 PM
innocent-deal$50.00$50.0012/7/2010 3:24:09 PM
BuckeyeBanker$50.00$50.0012/7/2010 3:24:25 PM
indomitable-coin$50.00$50.0012/7/2010 3:24:36 PM
fcukciti$25.00$25.0012/7/2010 3:24:57 PM
figs4u2$100.00$100.0012/7/2010 3:09:25 PM
ommcd$25.00$25.0012/7/2010 3:09:47 PM
Woodworker57$25.00$25.0012/7/2010 3:11:18 PM
Ivan2007$40.21$40.2112/7/2010 3:30:47 PM
Jassi$25.00$25.0012/7/2010 3:31:45 PM
truth-octave6$50.00$50.0012/7/2010 3:14:59 PM
GenerousGentleMan$75.00$75.0012/7/2010 3:31:51 PM
rosie777$30.00$30.0012/7/2010 3:31:54 PM
acropiloterau2002$25.00$25.0012/7/2010 3:31:59 PM
SC98007$25.00$25.0012/7/2010 3:32:06 PM
bmcg$25.00$25.0012/7/2010 3:16:36 PM
schpere$210.00$210.0012/7/2010 3:43:25 PM
loan-warrior$25.00$25.0012/7/2010 3:17:28 PM
the-enterprising-leverage$25.00$25.0012/7/2010 3:17:33 PM
GElender$100.00$100.0012/7/2010 3:18:02 PM
iolaire$25.00$25.0012/7/2010 3:18:53 PM
ArtemisFitzlebottom$33.74$33.7412/7/2010 3:48:53 PM
Green-Baron$25.00$25.0012/7/2010 3:49:13 PM
Artist_Blue$25.00$25.0012/7/2010 3:19:35 PM
scottburger$50.00$50.0012/7/2010 3:49:45 PM
reinforced-reward$25.00$25.0012/7/2010 3:20:18 PM
investment-network$25.00$25.0012/7/2010 3:20:24 PM
astute-benjamins$100.00$100.0012/7/2010 3:20:45 PM
Cheburashka$25.06$25.0612/7/2010 3:58:30 PM
cingular$25.00$25.0012/7/2010 2:58:10 PM
Sigonio$25.00$25.0012/7/2010 3:21:03 PM
balanced-bill7$50.00$50.0012/7/2010 3:21:32 PM
elasermd$50.00$50.0012/7/2010 3:22:51 PM
forthright-dedication$25.00$25.0012/7/2010 3:22:57 PM
financelover$50.00$50.0012/7/2010 3:24:13 PM
goldie414$50.00$50.0012/7/2010 3:24:51 PM
exchange-pledge$50.00$50.0012/7/2010 3:25:10 PM
klinebarger$25.00$25.0012/7/2010 3:00:39 PM
be_wise$25.00$25.0012/7/2010 5:12:20 PM
PaulW$25.00$25.0012/7/2010 5:12:32 PM
windfall46$25.00$25.0012/7/2010 3:08:17 PM
first-upright-payout$25.00$25.0012/7/2010 3:08:58 PM
UT-Longhorn$25.00$25.0012/7/2010 3:09:12 PM
Pulchritudinous$25.00$25.0012/7/2010 3:09:55 PM
Havana21$200.00$200.0012/7/2010 3:30:51 PM
Westerly$29.82$29.8212/7/2010 5:38:08 PM
Anny-Disco$50.00$50.0012/7/2010 3:31:41 PM
koa$50.00$50.0012/7/2010 3:31:52 PM
Goodlender42$25.00$25.0012/7/2010 3:31:56 PM
aaronhthompson$50.00$50.0012/7/2010 3:32:02 PM
flyboy24$25.00$25.0012/7/2010 3:32:08 PM
Scoreman$50.00$50.0012/7/2010 3:32:13 PM
seabass123$25.00$25.0012/7/2010 3:12:30 PM
unclejaef$25.00$25.0012/7/2010 3:15:28 PM
auction-sage$50.00$50.0012/7/2010 3:15:45 PM
SkiNZ$25.00$25.0012/7/2010 6:44:25 PM
nytrnbow$25.00$25.0012/7/2010 3:48:22 PM
BiggestG$25.00$25.0012/7/2010 3:48:27 PM
sanjl79$25.00$25.0012/7/2010 3:49:19 PM
compoundinterest$50.00$50.0012/7/2010 3:16:54 PM
YellowJacket$25.00$25.0012/7/2010 3:49:57 PM
efficient-marketplace$50.00$50.0012/7/2010 3:17:18 PM
Sixmil$75.00$75.0012/7/2010 3:17:23 PM
AFairDeal$75.00$75.0012/7/2010 3:17:31 PM
subtle-revenue0$25.00$25.0012/7/2010 3:17:44 PM
interest-exec9$25.00$25.0012/7/2010 3:18:00 PM
Dan65$50.00$50.0012/7/2010 3:18:12 PM
important-ore$100.00$100.0012/7/2010 3:18:33 PM
MONEYLENDER101$100.00$100.0012/7/2010 3:18:37 PM
snowman34$25.00$25.0012/7/2010 3:20:43 PM
neutrino6$25.00$25.0012/7/2010 3:20:49 PM
Aimvest$25.00$25.0012/7/2010 4:22:13 PM
Dazz2061$25.00$25.0012/7/2010 3:21:06 PM
BankingFamily$25.00$25.0012/7/2010 3:21:58 PM
zone6$50.00$50.0012/7/2010 3:22:10 PM
SelectTrustLending$25.00$25.0012/7/2010 5:12:03 PM
panegryst$50.00$50.0012/7/2010 3:24:31 PM
rakstar$25.00$25.0012/7/2010 5:23:08 PM
slartibardfast$30.00$30.0012/7/2010 3:31:37 PM
citizenslave$25.00$25.0012/7/2010 3:32:10 PM
investment-comet$25.00$25.0012/7/2010 9:46:45 PM
13nd3r$25.00$25.0012/7/2010 6:43:02 PM
Victor-E-Lane$25.00$25.0012/7/2010 6:43:15 PM
shaker348$25.00$25.0012/7/2010 6:43:24 PM
alexstar$25.00$25.0012/7/2010 6:43:52 PM
gold-sushi$47.07$47.0712/7/2010 6:44:07 PM
important-dollar1$25.00$25.0012/7/2010 6:44:19 PM
wormdc$25.00$25.0012/7/2010 3:43:24 PM
nybanker85$27.60$27.6012/7/2010 11:46:02 PM
bouvierchamp$25.00$25.0012/7/2010 3:45:43 PM
Headhunter14$25.00$25.0012/7/2010 3:46:00 PM
rmsyvt$25.00$25.0012/8/2010 12:30:21 AM
Radium84$25.00$25.0012/7/2010 3:48:23 PM
cash-queen$25.00$25.0012/8/2010 12:40:59 AM
1fortheroad$25.00$25.0012/7/2010 3:48:25 PM
rulender$29.69$29.6912/8/2010 12:43:46 AM
investment-framework$25.00$25.0012/7/2010 3:49:21 PM
heroic-platinum$25.00$25.0012/7/2010 3:49:27 PM
imdave4me$25.00$25.0012/8/2010 2:01:47 AM
mcelhatt$25.00$25.0012/7/2010 3:59:03 PM
fishcreek$100.00$100.0012/8/2010 3:17:08 AM
tomdooley12520$25.00$25.0012/8/2010 6:04:11 AM
visionary-currency$46.47$46.4712/7/2010 5:27:16 PM
important-greenback6$25.00$25.0012/8/2010 7:36:56 AM
credit-bearer959$25.00$25.0012/7/2010 10:01:40 PM
ADenny$25.00$25.0012/8/2010 12:02:18 AM
fishman42$25.00$25.0012/8/2010 12:11:02 AM
jam96$25.00$25.0012/7/2010 6:42:58 PM
Sykes66$25.00$25.0012/8/2010 12:25:41 AM
NELNET$50.00$50.0012/7/2010 6:44:11 PM
benjamin67$50.00$50.0012/7/2010 6:44:14 PM
TommyTucker$27.00$27.0012/8/2010 12:30:17 AM
determined-deal7$25.00$25.0012/8/2010 9:34:51 AM
julijask$35.00$35.0012/7/2010 6:45:15 PM
shawndw$25.00$25.0012/8/2010 12:51:02 AM
tntmojave$25.00$25.0012/8/2010 11:52:25 AM
unassuming-note$25.00$25.0012/8/2010 12:28:14 PM
community-pipeline$25.00$25.0012/8/2010 2:03:44 PM
outofoffice$50.00$50.0012/8/2010 7:33:00 AM
social-turtle4$25.00$25.0012/7/2010 8:38:54 PM
rocker6$25.00$25.0012/8/2010 9:35:07 AM
Steveoo1$30.38$30.3812/8/2010 12:15:14 AM
newfoundation$25.00$25.0012/8/2010 12:26:28 AM
sajitk$25.00$25.0012/8/2010 12:33:14 AM
return-investor6$25.00$25.0012/8/2010 11:32:02 AM
economy-beast$25.00$25.0012/8/2010 11:39:22 AM
outwish$25.00$25.0012/8/2010 12:02:36 PM
spruce212$25.00$25.0012/8/2010 7:36:55 AM
SF2Berlin$25.00$25.0012/8/2010 10:52:58 AM
market-dancer8$50.00$50.0012/8/2010 11:50:45 AM
systemlender$75.00$75.0012/8/2010 3:54:23 PM
platinum-sorcerer6$25.00$25.0012/8/2010 6:42:00 PM
thankful-nickel2$25.00$25.0012/8/2010 7:51:45 PM
lucky6$25.00$25.0012/8/2010 8:31:59 PM
wise-silver-wonder$25.00$25.0012/8/2010 3:45:40 PM
mathprof$25.00$25.0012/8/2010 7:39:05 PM
Wilvara$32.89$32.8912/8/2010 7:41:46 PM
joseapg$25.00$25.0012/8/2010 7:52:59 PM
commitment-symphony9$25.00$25.0012/8/2010 8:24:32 PM
peb44$25.00$25.0012/9/2010 6:56:33 AM
jasperpants$25.00$25.0012/8/2010 3:42:50 PM
simiray$25.00$25.0012/8/2010 4:30:29 PM
supersam$100.00$100.0012/10/2010 9:40:09 AM
mammalian4$50.00$50.0012/10/2010 8:14:18 AM
Hartfelt$25.00$25.0012/10/2010 8:54:40 AM
voyage554$26.47$26.4712/11/2010 8:07:47 AM
payout-magician$25.00$25.0012/11/2010 8:44:00 AM
goldsun$25.00$25.0012/12/2010 6:24:25 PM
BURNERA_1$150.00$150.0012/12/2010 5:48:44 PM
octoberfresh$35.00$35.0012/13/2010 6:33:07 AM
secret-santa$25.00$25.0012/13/2010 11:28:53 AM
dma1206$25.00$25.0012/13/2010 5:17:23 PM
thegreatstrafe$25.00$25.0012/13/2010 5:15:14 PM
wwwUniversal$25.00$25.0012/13/2010 4:48:38 PM
friendinmoney$41.83$41.8312/14/2010 9:13:15 AM
lastelias$25.00$25.0012/13/2010 10:03:25 PM
Dollars4Rent$25.00$25.0012/14/2010 12:14:35 PM
BSr$25.00$25.0012/14/2010 1:39:40 PM
perlindc$100.00$100.0012/7/2010 2:57:41 PM
FlexFunding$100.00$100.0012/7/2010 3:07:57 PM
DukSerduk$25.00$25.0012/7/2010 3:08:02 PM
capital-web7$50.00$50.0012/7/2010 3:09:39 PM
kyomoon$50.00$50.0012/7/2010 3:11:28 PM
inforapenny$50.00$50.0012/7/2010 3:11:33 PM
ProfPC$25.00$25.0012/7/2010 3:11:52 PM
guardlender$25.00$25.0012/7/2010 3:12:17 PM
rockstar78$50.00$50.0012/7/2010 3:14:13 PM
buckeye9$50.00$50.0012/7/2010 3:15:19 PM
Ripsaw4U$75.00$75.0012/7/2010 3:15:35 PM
Binan$25.00$25.0012/7/2010 3:15:53 PM
meux99$25.00$25.0012/7/2010 3:15:58 PM
neighborly-hope6$50.00$50.0012/7/2010 3:19:07 PM
Phantom99$100.00$100.0012/7/2010 3:19:28 PM
historydude654$50.00$50.0012/7/2010 2:58:45 PM
ichibon$75.00$75.0012/7/2010 3:19:53 PM
ThomasC$50.00$50.0012/7/2010 2:58:50 PM
fireboss$50.00$50.0012/7/2010 3:20:10 PM
bvzm$50.00$50.0012/7/2010 2:59:04 PM
6moonbeams$50.00$50.0012/7/2010 3:20:47 PM
ZeoInvestments$25.00$25.0012/7/2010 3:21:00 PM
Marathoner$25.00$25.0012/7/2010 2:59:57 PM
tekkie2412$25.00$25.0012/7/2010 3:21:29 PM
sf-funder$50.00$50.0012/7/2010 3:00:18 PM
slobberjob$50.00$50.0012/7/2010 3:21:52 PM
degster$25.00$25.0012/7/2010 3:22:28 PM
tech310$50.00$50.0012/7/2010 3:22:33 PM
MarinLoans$25.00$25.0012/7/2010 3:23:01 PM
flypenguin$50.00$50.0012/7/2010 3:23:06 PM
diablorulz$50.00$50.0012/7/2010 3:23:38 PM
Cal07$25.00$25.0012/7/2010 3:23:59 PM
vigilance-revolutionary$50.00$50.0012/7/2010 3:24:16 PM
Mariner3605$25.00$25.0012/7/2010 3:24:22 PM
authoritative-capital$25.00$25.0012/7/2010 3:09:05 PM
tolerant-dinero2$25.00$25.0012/7/2010 3:26:28 PM
point-zebra$25.00$25.0012/7/2010 3:13:12 PM
haidoken$50.00$50.0012/7/2010 3:13:17 PM
Dreamconnection$50.00$50.0012/7/2010 3:13:38 PM
Mantis75$25.00$25.0012/7/2010 3:31:32 PM
upright-commitment5$50.00$50.0012/7/2010 3:31:39 PM
NycDean$25.00$25.0012/7/2010 3:31:47 PM
TeamN$50.00$50.0012/7/2010 3:32:01 PM
well-rounded-durability2$200.00$200.0012/7/2010 3:32:12 PM
life-is-great$50.00$50.0012/7/2010 3:15:55 PM
loan-kung-fu$200.00$200.0012/7/2010 3:16:45 PM
CaptainBlueberry$25.00$25.0012/7/2010 3:17:05 PM
afotherg$75.00$75.0012/7/2010 3:17:40 PM
brightest-dynamic-peace$25.00$25.0012/7/2010 3:46:28 PM
stable-money$25.00$25.0012/7/2010 3:17:49 PM
derfen$25.00$25.0012/7/2010 3:46:32 PM
narblark$34.03$34.0312/7/2010 3:47:08 PM
astute-investment5$25.00$25.0012/7/2010 3:18:24 PM
roadtruck$50.00$50.0012/7/2010 2:55:33 PM
nimble-money0$50.00$50.0012/7/2010 3:18:40 PM
kind-adventurous-finance$50.00$50.0012/7/2010 3:18:45 PM
cash-raccoon$25.00$25.0012/7/2010 3:48:42 PM
fortytwo$200.00$200.0012/7/2010 3:19:01 PM
skillful-diversification2$25.00$25.0012/7/2010 3:49:02 PM
AJSinvest$25.00$25.0012/7/2010 3:49:17 PM
greenback-guard$25.00$25.0012/7/2010 2:56:45 PM
point-didgeridoo$50.00$50.0012/7/2010 3:49:29 PM
wampum-optimization$25.00$25.0012/7/2010 3:19:23 PM
ChristopherHS$25.00$25.0012/7/2010 3:49:48 PM
scrappy-bonus2$25.00$25.0012/7/2010 3:49:55 PM
wjf60$50.00$50.0012/7/2010 3:20:27 PM
DonaldColorado$100.00$100.0012/7/2010 3:20:35 PM
ChicoBob$29.63$29.6312/7/2010 3:20:54 PM
majormoves1$25.00$25.0012/7/2010 3:21:09 PM
whistledicksmith$25.00$25.0012/7/2010 3:21:16 PM
Natronpee$25.00$25.0012/7/2010 3:21:23 PM
freesia54$50.00$50.0012/7/2010 3:22:21 PM
money-surge1$25.00$25.0012/7/2010 3:22:55 PM
thestartuplender$50.00$50.0012/7/2010 2:59:20 PM
murren$25.00$25.0012/7/2010 3:23:14 PM
C_Mark$50.00$50.0012/7/2010 3:23:46 PM
commerce-voyager$25.00$25.0012/7/2010 3:00:29 PM
kenji4861$50.00$50.0012/7/2010 3:25:20 PM
IIP77$25.00$25.0012/7/2010 5:11:51 PM
radforj22$25.00$25.0012/7/2010 3:01:44 PM
108lender$42.33$42.3312/7/2010 5:12:22 PM
KiwiElf$26.30$26.3012/7/2010 5:12:33 PM
revmax$25.00$25.0012/7/2010 3:08:14 PM
dharma1$50.00$50.0012/7/2010 3:10:01 PM
p2p-rider7$50.00$50.0012/7/2010 3:11:49 PM
bruin558$50.00$50.0012/7/2010 3:31:48 PM
the-upbeat-p2p$50.00$50.0012/7/2010 3:32:03 PM
justice-dna$35.00$35.0012/7/2010 3:12:02 PM
GAOGERAM_BANK$25.00$25.0012/7/2010 3:32:09 PM
paytonbrigadier$250.00$250.0012/7/2010 5:54:43 PM
stinvest$25.00$25.0012/7/2010 3:13:24 PM
moneynmotion$50.00$50.0012/7/2010 3:13:44 PM
chris-heretoinvest$25.00$25.0012/7/2010 3:13:54 PM
tolstoy00$25.00$25.0012/7/2010 3:45:58 PM
jts$25.00$25.0012/7/2010 3:46:02 PM
lostontheedge$25.00$25.0012/7/2010 6:44:15 PM
dcap3$25.00$25.0012/7/2010 6:44:28 PM
Mark-O-Polo$25.00$25.0012/7/2010 3:48:26 PM
James_and_Tracy$25.00$25.0012/7/2010 6:44:50 PM
chipperjohnson$30.00$30.0012/7/2010 3:48:47 PM
contract-festival7$25.00$25.0012/7/2010 3:49:15 PM
kid8549$50.00$50.0012/7/2010 3:16:50 PM
stuy1998$30.00$30.0012/7/2010 3:16:58 PM
CBO-Enterprise$100.00$100.0012/7/2010 3:17:14 PM
bid-papyrus$25.00$25.0012/7/2010 3:50:58 PM
trade-boots1$45.17$45.1712/7/2010 3:17:26 PM
rss197$25.00$25.0012/7/2010 3:18:21 PM
SourDoughSteve$25.00$25.0012/7/2010 3:18:31 PM
value-pouch$50.00$50.0012/7/2010 3:18:42 PM
diversification-empire$50.00$50.0012/7/2010 3:20:00 PM
bowdish1$100.00$100.0012/7/2010 7:01:32 PM
TrustOne$25.00$25.0012/7/2010 3:21:43 PM
bds9646$26.00$26.0012/7/2010 3:23:32 PM
bradania$25.00$25.0012/7/2010 5:11:58 PM
PThor$25.00$25.0012/7/2010 3:24:03 PM
organized-payment6$50.00$50.0012/7/2010 3:24:27 PM
Toby1montana$100.00$100.0012/7/2010 3:24:43 PM
truth-prospector$25.00$25.0012/7/2010 3:24:55 PM
j2ee$25.00$25.0012/7/2010 3:25:38 PM
tszbgae$50.00$50.0012/7/2010 3:30:49 PM
respectablename$50.00$50.0012/7/2010 3:31:35 PM
atlaaron$25.00$25.0012/7/2010 6:42:54 PM
CASHGIRL$35.00$35.0012/7/2010 6:43:14 PM
divedude$25.00$25.0012/7/2010 6:43:17 PM
alpinaut$25.00$25.0012/7/2010 6:43:50 PM
discrete-asset$25.00$25.0012/7/2010 6:44:16 PM
jjswanso$47.76$47.7612/7/2010 6:44:26 PM
proper-commitment5$25.00$25.0012/7/2010 3:43:56 PM
valiant-liberty4$25.00$25.0012/7/2010 3:46:39 PM
Strand_Investments$25.00$25.0012/8/2010 12:31:43 AM
visionary-community$25.00$25.0012/7/2010 3:48:21 PM
BMP$25.00$25.0012/7/2010 3:48:24 PM
orange-mighty-finance$25.00$25.0012/8/2010 12:42:49 AM
credit-vinyl$25.00$25.0012/7/2010 3:49:00 PM
zhiguli$25.00$25.0012/7/2010 3:49:25 PM
cablenews$35.83$35.8312/7/2010 3:49:54 PM
ivadood$50.60$50.6012/7/2010 5:12:40 PM
flwah$25.00$25.0012/7/2010 5:12:47 PM
money-bauble$25.00$25.0012/8/2010 6:21:38 AM
Warbler$25.30$25.3012/7/2010 5:13:53 PM
meoweo$25.00$25.0012/7/2010 10:01:42 PM
heroic-return5$25.00$25.0012/7/2010 10:02:08 PM
Loan2Own$40.00$40.0012/7/2010 10:26:27 PM
gnar$25.00$25.0012/8/2010 8:57:56 AM
zski$25.00$25.0012/8/2010 12:02:49 AM
zeelender$25.00$25.0012/8/2010 12:12:58 AM
Ballard$25.00$25.0012/7/2010 6:43:21 PM
Weaverville$44.39$44.3912/7/2010 6:44:12 PM
aldeed$37.66$37.6612/7/2010 6:44:17 PM
sainswor99$25.00$25.0012/8/2010 12:28:14 AM
cleared2land$25.00$25.0012/8/2010 12:30:24 AM
teller$50.00$50.0012/8/2010 12:31:30 AM
Thecozychick$25.00$25.0012/8/2010 12:50:54 AM
diligent-leverage$50.00$50.0012/8/2010 10:28:29 AM
BCD$25.00$25.0012/8/2010 5:19:05 AM
pbandjb$25.00$25.0012/7/2010 7:07:09 PM
Hexnut$50.00$50.0012/7/2010 7:07:12 PM
Cai8899$44.23$44.2312/7/2010 7:32:51 PM
iLoaner$25.00$25.0012/7/2010 8:21:28 PM
pbeach05$25.00$25.0012/7/2010 10:01:44 PM
cjohnson041$25.00$25.0012/8/2010 12:02:01 AM
ddibernardo$25.00$25.0012/8/2010 10:18:21 AM
xphile$25.00$25.0012/8/2010 12:30:31 AM
dadalou$25.00$25.0012/8/2010 12:42:55 AM
emt747$25.00$25.0012/8/2010 2:08:02 PM
yachey$25.00$25.0012/8/2010 3:20:48 PM
nilonc1$25.00$25.0012/8/2010 9:31:10 AM
ingenious-order783$25.00$25.0012/8/2010 10:04:24 AM
nickel-ferret$39.15$39.1512/8/2010 11:35:44 AM
commanding-income774$25.00$25.0012/8/2010 6:36:10 PM
mikepat55$25.00$25.0012/8/2010 7:41:40 PM
Swabjockey$25.00$2.0312/8/2010 8:40:45 PM
WorldlyWorker$25.00$25.0012/8/2010 5:12:05 PM
henmota$25.00$25.0012/8/2010 8:17:10 PM
Promethyl$25.00$25.0012/9/2010 9:55:22 AM
restless-balance9$50.00$50.0012/9/2010 6:52:47 AM
hopeful-truth5$200.00$200.0012/9/2010 4:18:47 PM
gsp1885$33.00$33.0012/9/2010 9:21:52 PM
invincible-peso$50.00$50.0012/10/2010 6:27:17 AM
TigerForce$25.00$25.0012/11/2010 7:08:23 AM
GarBear88$100.00$100.0012/11/2010 7:38:27 AM
Guiren$100.00$100.0012/11/2010 9:01:27 PM
felicity-loyalist0$30.00$30.0012/12/2010 7:19:25 AM
sophisticated-marketplace$25.00$25.0012/11/2010 8:51:53 PM
BankofBeth$25.00$25.0012/11/2010 10:19:22 PM
word140$25.00$25.0012/12/2010 9:29:42 AM
otalon$27.00$27.0012/13/2010 11:47:18 AM
YummiBear$25.00$25.0012/13/2010 7:29:09 PM
kevdigital$25.68$25.6812/13/2010 10:42:50 PM
Rivermaverick$25.00$25.0012/14/2010 11:39:54 AM
mauge35$25.00$25.0012/14/2010 10:45:50 AM
Helping-One-Another$25.68$25.6812/14/2010 7:45:09 AM
Troutfinder$30.00$30.0012/14/2010 10:50:16 AM
Dollars4Rent$25.00$25.0012/14/2010 11:42:50 AM
380 bids
 
Borrower Payment Dependent Notes Series 487127
This series of Notes was issued and sold upon the funding of the borrower loan #45914, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $217.13
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $217.13
 
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: Nov-2003 Debt/Income ratio: 37%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 8Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,352Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: brightest-special-kindness Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?Pay off my credit?cards.? I used up my saving while out on unpaid?maternity leave and ran up my charge cards.? I am a single parent with a?great career with a great company.? I just didn't forecast being on an?unpaid maternity leave.? I used?my credit cards to pay for all the bills as?I spent most of my savings purchasing?things that were required for my new bundle of joy!?? I am back to work now and trying to catch up.? I will be happy when I can get all of my credit cards paid off and start saving for my daughter's college education.

My financial situation:
I am a good candidate for this loan because?I am trustworthy and reliable.? I have a great job and make good money, but when things happen that are?not necessarily planned you have to make some sacrifices.??I am not?delinquent on any of my bills.?

Monthly net income: $2,250

Monthly expenses: $
??Housing: $ 430
??Insurance: $ 240
??Car expenses: $ 100
??Utilities: $175?
??Phone, cable, internet: $ 120
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $?550
??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)
paytonbrigadier$150.00$150.0012/8/2010 3:08:03 PM
lendstats_com$200.00$200.0012/8/2010 5:36:40 PM
SeaSkyGuy71$25.00$25.0012/8/2010 9:42:34 PM
nilonc1$25.00$25.0012/8/2010 5:06:12 PM
Redmond$25.00$25.0012/8/2010 3:04:49 PM
graceful-investment$100.00$100.0012/9/2010 7:46:39 PM
reflective-rupee$100.00$100.0012/9/2010 3:43:23 PM
alexgalt$25.00$25.0012/10/2010 12:41:19 AM
killdare$25.00$25.0012/10/2010 11:44:36 AM
Investoman$25.00$25.0012/13/2010 11:55:31 AM
kulender$50.00$50.0012/13/2010 4:24:05 PM
bulsa$100.00$100.0012/13/2010 8:13:32 PM
worthy-bid8$25.00$25.0012/13/2010 4:24:16 PM
shmb6508$42.13$42.1312/14/2010 3:14:31 PM
return-pumpkin7$25.00$25.0012/14/2010 3:14:39 PM
radiant-loan5$25.00$25.0012/14/2010 3:15:01 PM
Comoparklender$50.00$50.0012/14/2010 3:16:17 PM
wise-benjamins-fortress$25.00$25.0012/14/2010 4:17:15 PM
reflective-rupee$100.00$22.8612/14/2010 3:18:15 PM
reflective-rupee$100.00$100.0012/14/2010 3:18:29 PM
loss-of-control$50.00$50.0012/14/2010 5:22:21 PM
green-unrivaled-felicity$25.00$25.0012/14/2010 4:24:21 PM
Zipcut$25.00$25.0012/14/2010 6:05:43 PM
NotKarate$25.00$25.0012/15/2010 5:54:20 AM
wise-benjamins-fortress$100.00$100.0012/15/2010 5:27:08 AM
fizicks06$90.00$90.0012/14/2010 10:45:29 PM
alexgalt$50.00$50.0012/8/2010 3:02:08 PM
Artist_Blue$25.00$25.0012/8/2010 3:04:08 PM
reflective-rupee$100.00$100.0012/9/2010 3:42:42 PM
reflective-rupee$100.00$100.0012/9/2010 3:42:55 PM
reflective-rupee$100.00$100.0012/9/2010 3:43:06 PM
money-bauble$78.18$78.1812/10/2010 2:10:30 AM
Whipster$25.00$25.0012/11/2010 5:58:28 AM
Moneypenny6$25.00$25.0012/11/2010 7:17:01 AM
ASR3$25.00$25.0012/13/2010 4:35:54 PM
auction-architect7$48.25$48.2512/13/2010 5:29:59 PM
richboy56$25.00$25.0012/13/2010 4:38:05 PM
AlexTrep$25.00$25.0012/13/2010 4:38:38 PM
skillful-asset5$35.00$35.0012/14/2010 3:01:45 PM
CashFlow13$2,000.00$2,000.0012/14/2010 9:04:27 AM
loss-of-control$100.00$100.0012/14/2010 5:21:59 PM
carrinel$50.00$50.0012/14/2010 5:58:45 PM
sturdy-peace9$33.33$33.3312/14/2010 7:55:27 PM
SolarMoonshine$25.00$25.0012/14/2010 5:46:40 PM
droopie1$25.00$25.0012/14/2010 8:48:25 PM
vine99$50.00$50.0012/14/2010 9:50:40 PM
wise-benjamins-fortress$25.00$25.0012/15/2010 5:30:31 AM
loanman2007$175.00$175.0012/15/2010 5:39:57 AM
LuvToLend$25.00$25.0012/14/2010 7:26:45 PM
Kash2010lu$25.00$25.0012/14/2010 7:37:13 PM
gothampark$25.00$25.0012/14/2010 8:26:24 PM
Land_on_your_feet$50.00$50.0012/15/2010 3:17:10 AM
mbcjk$50.25$50.2512/15/2010 4:24:48 AM
53 bids
 
Borrower Payment Dependent Notes Series 487169
This series of Notes was issued and sold upon the funding of the borrower loan #46018, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
Final lender yield: 33.00% Final borrower rate/APR: 34.00% / 38.13% Final monthly payment: $67.01
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.55%  
Lender servicing fee: 1.00% Estimated return: -5.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1994 Debt/Income ratio: 19%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 4Employment status:Other
Now delinquent: 6 Current / open credit lines: 7 / 5Length of status:12y 10m
Amount delinquent: $0 Total credit lines: 48Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: kellermajk Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 76 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2009)
640-659 (Dec-2007)
640-659 (Nov-2007)
580-599 (Apr-2007)
 
Principal balance: $702.40 31+ days late: 0 ( 0% )
Total payments billed: 76  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
UCLA4life$25.00$25.0012/8/2010 3:09:53 PM
MoneyForNothing$33.33$33.3312/8/2010 7:02:08 PM
eboomer2611$25.00$25.0012/8/2010 9:26:19 PM
NekHoldings$25.00$25.0012/9/2010 5:12:27 AM
SolarMoonshine$25.00$25.0012/9/2010 5:47:41 PM
DasMula$25.00$25.0012/9/2010 4:03:02 PM
mrreynol$25.00$25.0012/10/2010 4:53:12 AM
secondreality$50.00$50.0012/10/2010 4:47:03 AM
chameleon125$200.00$200.0012/10/2010 8:46:20 AM
MilitaryLoans$966.82$655.1312/10/2010 2:32:14 PM
setUup$75.00$75.0012/8/2010 4:38:50 PM
mikeandcat$50.00$50.0012/8/2010 5:43:46 PM
mikeandcat$78.20$78.2012/8/2010 6:03:15 PM
MoneyForNothing$33.34$33.3412/8/2010 7:01:44 PM
RainyDayFunds$25.00$25.0012/8/2010 10:53:50 PM
Amber_Stone$25.00$25.0012/8/2010 5:32:50 PM
reflective-rupee$25.00$25.0012/9/2010 3:28:50 PM
DasMula$25.00$25.0012/9/2010 4:02:43 PM
scarlet-velvet$25.00$25.0012/9/2010 10:31:40 PM
alexgalt$25.00$25.0012/10/2010 12:40:20 AM
MrVegas$25.00$25.0012/10/2010 2:34:28 PM
21 bids
 
Borrower Payment Dependent Notes Series 487305
This series of Notes was issued and sold upon the funding of the borrower loan #46044, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $174.66
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $174.66
 
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): 6 First credit line: Jul-1984 Debt/Income ratio: 16%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,376Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: compassion-meteor0 Borrower's state: Nebraska 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
Want 1 Monthly Payment
Purpose of loan:
Would like to only make 1 monthly payment to Prosper instead of several smaller ones to credit card company and bank.? Thank you all for funding me last week, but due to a miscommunication with Prosper I have to go through the whole process again and with your help I will be sucessful!

My financial situation:
Despite my E status I?really am a good person to lend money to.? I am working hard to repair my credit rating, which suffered due to Wells Fargo Bank not wanting to work with me on my house loan.?
I have been at my present job for?six years and work hard and pay my bills on time.? I?am a stable worker and have been working at least one job every day for the past 35 years. I was at a job for over 20 years and only changed employers when they sold the company.

The credit inquiry that shows above is when I switched to a satellite dish to save money on my cable bill.

I will repay this loan in full and hope to be a lender on Prosper myself in the future when my credit card bills are paid.

Monthly net income: $ 4,361

Monthly expenses: $ 3,907
Housing: $ 1,375
Insurance: $ 411
Car expenses: $ 140
Utilities: $ 258
Phone, cable, internet: $ 300
Food, entertainment: $ 750
Clothing, household expenses $ 100
Credit cards and other loans: $ 408
Other expenses: $ 165 (Doctor bills and prescriptions)
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)
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:25 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:11 PM
ASR3$35.00$35.0012/13/2010 3:29:05 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:52 PM
kulender$50.00$50.0012/13/2010 3:08:42 PM
PRGuyinVA$25.00$25.0012/13/2010 3:45:59 PM
paytonbrigadier$250.00$250.0012/13/2010 3:50:17 PM
NR$25.00$25.0012/13/2010 3:51:19 PM
ichibon$25.00$25.0012/13/2010 3:43:43 PM
Investoman$50.00$50.0012/13/2010 4:00:26 PM
cropdust3r$25.00$25.0012/13/2010 4:01:20 PM
ukstevenhawaii$100.00$100.0012/13/2010 3:24:01 PM
TrekTune$25.00$25.0012/13/2010 3:55:08 PM
simplelender80$100.00$100.0012/13/2010 3:31:19 PM
reflective-rupee$100.00$100.0012/13/2010 4:13:06 PM
hayhelp$25.00$25.0012/13/2010 3:52:50 PM
income-sage9$25.00$25.0012/13/2010 10:01:37 PM
ideal-platinum1$25.00$25.0012/13/2010 11:13:05 PM
graceful-investment$100.00$100.0012/13/2010 4:28:10 PM
bid-czar8$100.00$100.0012/14/2010 3:17:08 AM
SolarMoonshine$25.00$25.0012/14/2010 4:18:20 AM
alexgalt$25.00$25.0012/13/2010 11:02:23 PM
symbiosis$50.00$50.0012/13/2010 4:41:15 PM
greencat$50.00$50.0012/14/2010 7:39:35 AM
bold-treasure-neutrino$50.00$50.0012/14/2010 9:32:54 AM
lendstats_com$200.00$200.0012/13/2010 5:41:02 PM
oreyedoc$50.00$50.0012/14/2010 10:43:54 AM
first-serene-credit$25.00$25.0012/14/2010 7:25:40 AM
LAM26$25.00$25.0012/14/2010 9:33:15 AM
top-investment-american$25.00$25.0012/14/2010 10:16:31 AM
ThatDanGuy$41.25$41.2512/13/2010 11:01:43 PM
rss197$25.00$25.0012/14/2010 11:06:37 AM
kind-adventurous-finance$49.99$49.9912/14/2010 3:49:08 PM
the-dollar-topper$100.00$100.0012/14/2010 4:02:22 PM
gold-channel2$50.00$50.0012/14/2010 8:01:42 AM
dedicated-transaction796$50.00$50.0012/14/2010 3:22:18 PM
money-bauble$25.00$25.0012/14/2010 9:02:20 AM
lendpeoplemoney$25.00$25.0012/14/2010 9:31:41 AM
AF-Chief$50.00$14.6712/14/2010 4:06:57 PM
jazzlender$25.00$25.0012/14/2010 11:31:38 AM
orange-preeminant-bill$35.24$35.2412/14/2010 3:01:10 PM
inspiring-reward$150.00$150.0012/14/2010 3:03:26 PM
britches613$25.00$25.0012/14/2010 5:57:44 PM
blue-useful-auction$25.00$25.0012/15/2010 8:29:21 AM
EBITDA$25.00$25.0012/13/2010 3:07:11 PM
handshake5$100.00$100.0012/13/2010 3:34:08 PM
jamiee73$25.00$25.0012/13/2010 3:48:08 PM
worthy-bid8$50.00$50.0012/13/2010 3:40:09 PM
LoisLoan$25.00$25.0012/13/2010 3:54:34 PM
flanative$100.00$100.0012/13/2010 3:48:00 PM
minddoc$25.00$25.0012/13/2010 3:50:11 PM
coin-bee1$50.00$50.0012/13/2010 3:53:01 PM
hope-hickory$25.00$25.0012/13/2010 3:57:25 PM
Interstate_Rate$100.00$100.0012/13/2010 3:37:19 PM
SNH$100.00$100.0012/13/2010 3:42:23 PM
richboy56$25.00$25.0012/13/2010 3:43:17 PM
new-social-economist$75.00$75.0012/13/2010 3:49:28 PM
secureincome$33.40$33.4012/13/2010 6:08:50 PM
Redmond$25.00$25.0012/13/2010 4:41:05 PM
DHolly$30.00$30.0012/14/2010 6:45:22 AM
a-finance-nirvana$25.00$25.0012/14/2010 1:33:39 AM
Katburg$25.00$25.0012/14/2010 10:07:37 AM
commerce-yeller$25.00$25.0012/14/2010 11:52:24 AM
ore-dojo$25.00$25.0012/14/2010 9:14:59 AM
hc90474$25.00$25.0012/13/2010 8:26:46 PM
Bob450$25.00$25.0012/14/2010 9:57:21 AM
bulsa$100.00$100.0012/14/2010 11:53:04 AM
retired272$25.00$25.0012/14/2010 1:00:40 PM
treasure-bliss$50.00$50.0012/14/2010 1:15:03 AM
dollar-sonnet3$32.42$32.4212/14/2010 3:23:01 PM
nickel-position$25.00$25.0012/14/2010 8:41:37 AM
investment-comet$25.00$25.0012/14/2010 4:01:51 PM
social-conductor4$25.00$25.0012/14/2010 4:06:51 PM
trade-boots1$100.00$100.0012/14/2010 11:53:12 AM
Gibbyland$28.03$28.0312/14/2010 12:16:26 PM
Aragorn$25.00$25.0012/14/2010 4:02:16 PM
850$50.00$50.0012/14/2010 7:57:57 PM
greenback-guard$25.00$25.0012/14/2010 4:36:50 PM
responsible-worth113$25.00$25.0012/15/2010 7:01:44 AM
108lender$150.00$150.0012/15/2010 10:56:17 AM
80 bids
 
Borrower Payment Dependent Notes Series 487331
This series of Notes was issued and sold upon the funding of the borrower loan #46011, 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-09-2010 
  Auction end date:  Dec-12-2010 
 
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): 5 First credit line: Oct-1996 Debt/Income ratio: 39%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,847Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: yankee1717 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: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2008)
 
Principal balance: $1,521.10 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
I want out of the credit card trap!
Purpose of loan:
I recently turned 32 years old and after years of supporting myself in lower paying jobs by using my credit cards, I?need and want?it to end.? I now have a great job with?a strong career path in sales & marketing?and I'm making good money.??My goal for myself is to be completely out of credit card debt by the time I turn 35 in?three years.? I will use this?loan to consolidate my credit cards which are currently at rates of 18.9%, 19.9% and 26.9%. ?Please help me make this possible.? With my current credit card rates this would be nearly impossible to pay them all down in three years.

My financial situation:
I am a good candidate for this loan because I pay my bills on time, I make good money and I plan on putting all of my sales bonuses over the next three year into the loan and paying it off early.? This is my second Prosper loan and I have never missed or been late with a payment. I have major changes in budget to make sure I reach my goal of paying this loan off earlier than three years from now.

Monthly net income: $ 3206

Monthly expenses: $ 2235
??Housing: $ 530
??Insurance: $ 105
??Car expenses: $ 325
??Food & entertainment: $?250
??Credit cards and other loans: $?1025

Please help me make this possible and get out of debt as soon as possible.
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)
worthy-bid8$50.00$50.0012/9/2010 2:37:48 PM
reflective-rupee$100.00$100.0012/9/2010 3:31:02 PM
ukstevenhawaii$100.00$100.0012/9/2010 2:39:54 PM
reflective-rupee$100.00$100.0012/9/2010 3:30:23 PM
reflective-rupee$50.00$50.0012/9/2010 3:31:52 PM
Bank42$50.00$50.0012/9/2010 2:40:21 PM
NekHoldings$25.00$25.0012/10/2010 5:47:15 AM
ASR3$35.00$35.0012/9/2010 2:43:34 PM
DonaldColorado$50.00$50.0012/9/2010 2:43:52 PM
reflective-rupee$100.00$100.0012/9/2010 3:30:48 PM
drcoop$25.00$25.0012/10/2010 9:33:21 AM
mammalian4$50.00$50.0012/10/2010 10:20:50 AM
attractive-point5$50.00$50.0012/10/2010 11:48:46 AM
economy-popcorn$25.00$25.0012/10/2010 1:12:24 PM
loanman2007$225.00$225.0012/11/2010 5:56:52 AM
catnip007$25.02$25.0212/11/2010 8:16:20 AM
lucrative-loan$50.00$50.0012/11/2010 1:43:16 AM
glroark$50.00$50.0012/11/2010 10:22:47 AM
kendigme$25.00$25.0012/11/2010 4:55:13 AM
fabulous-community4$25.00$25.0012/11/2010 4:36:56 PM
Bob450$25.00$25.0012/11/2010 9:50:59 AM
Socorro_Capital_Partners$25.00$25.0012/12/2010 1:42:49 AM
wonder3$25.00$25.0012/12/2010 11:20:40 AM
fund-secret-agent$25.00$25.0012/12/2010 1:56:42 PM
heerzaquestion$100.00$100.0012/12/2010 2:43:54 PM
p2ploan-sensation211$50.00$50.0012/11/2010 5:48:42 PM
nickel-position$25.00$25.0012/12/2010 3:37:44 PM
Milonguero$100.00$100.0012/12/2010 9:31:01 AM
benefit-trident$25.00$25.0012/12/2010 2:47:05 PM
secureincome$1,359.60$1,359.6012/9/2010 2:39:27 PM
bid-czar8$100.00$85.3812/9/2010 2:44:13 PM
UCLA4life$25.00$25.0012/9/2010 2:38:14 PM
EBITDA$25.00$25.0012/9/2010 2:38:24 PM
reflective-rupee$100.00$100.0012/9/2010 3:29:57 PM
JustMee$25.00$25.0012/9/2010 5:42:56 PM
reflective-rupee$100.00$100.0012/9/2010 3:30:35 PM
nickel-hickory$50.00$50.0012/9/2010 8:13:34 PM
lendstats_com$300.00$300.0012/9/2010 3:40:51 PM
nilonc1$350.00$350.0012/9/2010 8:48:32 PM
Requiem$25.00$25.0012/10/2010 4:13:45 AM
scrappy-diversification7$1,500.00$1,500.0012/10/2010 7:51:41 AM
nickel-hickory$50.00$50.0012/9/2010 2:47:51 PM
chameleon125$100.00$100.0012/10/2010 8:43:43 AM
pietro_torna_indietro$25.00$25.0012/9/2010 9:33:03 PM
alexgalt$25.00$25.0012/10/2010 12:40:27 AM
reflective-rupee$100.00$100.0012/9/2010 3:30:12 PM
reflective-rupee$100.00$100.0012/9/2010 3:31:33 PM
secondreality$25.00$25.0012/10/2010 4:48:06 AM
SolarMoonshine$100.00$100.0012/9/2010 5:45:08 PM
bright-exchange$25.00$25.0012/10/2010 11:40:13 AM
greencat$50.00$50.0012/10/2010 7:11:43 AM
supreme-hope$25.00$25.0012/10/2010 1:26:03 PM
greenback-guard$25.00$25.0012/10/2010 1:55:21 PM
productive-ore$100.00$100.0012/10/2010 9:51:49 PM
FinanceEngine$30.00$30.0012/10/2010 4:56:03 PM
Kash2010lu$50.00$50.0012/10/2010 8:02:59 PM
ac787$25.00$25.0012/11/2010 7:55:20 AM
DHolly$30.00$30.0012/11/2010 7:10:35 AM
bughead$25.00$25.0012/11/2010 8:26:03 AM
OldManP$25.00$25.0012/11/2010 9:46:33 PM
Whipster$50.00$50.0012/11/2010 5:53:05 AM
thankful-nickel2$25.00$25.0012/11/2010 8:49:00 AM
grampy48$60.00$60.0012/11/2010 6:46:21 PM
helynn$25.00$25.0012/11/2010 7:53:43 PM
SFBank$300.00$300.0012/11/2010 8:29:15 PM
ac787$25.00$25.0012/12/2010 5:07:20 AM
fortytwo$500.00$500.0012/12/2010 6:07:54 PM
dynamic-capital$25.00$25.0012/12/2010 6:54:46 PM
68 bids