Sales Report:Supplement No. 98 dated Dec 17, 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 459639
This series of Notes was issued and sold upon the funding of the borrower loan #46053, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-09-2010 
  Auction end date:  Dec-16-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 36.28% Starting monthly payment: $65.50
Final lender yield: 21.37% Final borrower rate/APR: 22.37% / 26.21% Final monthly payment: $57.57
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.16%  
Lender servicing fee: 1.00% Estimated return: 6.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2000 Debt/Income ratio: 29%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,903Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: Ricklo1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $660.49 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Additional Business Expenses
Purpose of loan:
Additional Business Expenses
My financial situation:
I am a good candidate for this loan because I have been paying on my current loan for the past 28 months and have not been late.

Monthly net income: $ 2587 + $1800 = $4387? (work and business income )

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 65
??Car expenses: $ 0 paid off
??Utilities: $ 0
??Phone, cable, internet: $ 35
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??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)
lendstats_com$100.00$100.0012/9/2010 5:01:16 PM
Leshan$75.00$75.0012/14/2010 8:13:47 AM
enthusiastic-balance5$200.00$200.0012/14/2010 5:43:16 AM
ScottCapital$25.00$25.0012/14/2010 3:21:41 PM
investment-artist$50.00$50.0012/14/2010 7:51:16 AM
brondero$100.00$63.0012/14/2010 4:23:57 PM
McDeeter$25.00$25.0012/15/2010 9:27:07 PM
Happyhourcomics$25.00$25.0012/15/2010 4:16:38 PM
dstolars$25.00$25.0012/16/2010 8:26:19 AM
Mikale360$25.00$25.0012/16/2010 6:55:56 AM
culldud6900$42.33$42.3312/16/2010 9:44:48 AM
olin5$25.00$25.0012/16/2010 6:27:30 AM
Red-Bull-One$25.00$25.0012/16/2010 6:31:01 AM
SolarMoonshine$50.00$50.0012/9/2010 5:33:58 PM
red-favorable-basis$25.00$25.0012/10/2010 1:18:14 PM
boo_hoo$50.00$50.0012/12/2010 12:57:19 PM
vine99$40.00$40.0012/12/2010 4:40:48 PM
Socorro_Capital_Partners$25.00$25.0012/12/2010 1:40:30 AM
eagle1271$25.00$25.0012/12/2010 6:07:14 PM
tcpfan$25.00$25.0012/13/2010 7:59:58 AM
taetrade$25.00$25.0012/14/2010 11:19:29 AM
ColoradoLender82$25.00$25.0012/15/2010 2:17:14 PM
Moe87$25.00$25.0012/15/2010 3:39:28 PM
kinetic-social$25.00$25.0012/15/2010 4:37:34 PM
Feyenoord$25.00$25.0012/15/2010 8:31:28 PM
Milonguero$100.00$100.0012/15/2010 9:13:11 PM
cashhelp$25.00$25.0012/15/2010 3:42:19 PM
Cliffie83$54.11$54.1112/15/2010 7:30:06 PM
helpwithoutbanks$25.00$25.0012/15/2010 3:54:51 PM
Druidsoft$25.00$25.0012/15/2010 8:59:40 PM
Bank_of_Smitty33$25.30$25.3012/16/2010 6:02:20 AM
loyalist1$50.00$50.0012/16/2010 8:17:01 AM
wlm3012$25.00$25.0012/15/2010 9:23:48 PM
neorunner$25.00$25.0012/16/2010 9:43:33 AM
Snoopylover$25.00$25.0012/16/2010 6:01:32 AM
rlaboy$25.00$25.0012/16/2010 6:16:26 AM
waverunner088$25.26$25.2612/16/2010 8:52:51 AM
37 bids
 
Borrower Payment Dependent Notes Series 485675
This series of Notes was issued and sold upon the funding of the borrower loan #46056, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-03-2010 
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $260.21
Final lender yield: 9.55% Final borrower rate/APR: 10.55% / 12.66% Final monthly payment: $260.21
 
Auction yield range: 3.57% - 9.55% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
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: Sep-1996 Debt/Income ratio: 21%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,537Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: balance-pal Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 780-799 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2010)
 
Principal balance: $16,622.97 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Financial control
Purpose of loan:
This loan will be used to consolidate debt, primarily pay off a title held with an ex- so I can transfer the title solely to myself.

My financial situation:is good, with steady employment plus rental income of 2k/month
I am a good candidate for this loan because this is my second loan through prosper with no history of late payments or defaults of any kind. As an overall plan, I have several small loans that are finishing up within a year. I will use the money that usually goes toward those loans to pay off whatever loan interest is the highest. In the meantime, I am using prosper to bring my CC balances down to a manageable interest rate. My mortgage payments are on the higher end since I chose to go with 10 year loans on my primary and rental properties, but these are all I plan to have payment-wise in 3 years. From my primary employment (physical therapist) I clear approximately $2300 every 2 weeks. I also work some per diem that varies from $100-1000 per month. I have a 4 unit apartment rental that brings in an additional $2000 per month. I have 2 mortgage payments of $1200 and $1140. Credit card minimum payments of $1400 including previous prosper loan. Extra money left over from living expenses go towards highest interest rate cards. Please ask any questions you might have. 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
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Rockymtnhi$150.00$150.0011/26/2010 12:49:24 PM
nickel-ferret$50.00$50.0011/26/2010 12:50:59 PM
delicious-social132$50.00$50.0011/26/2010 12:51:31 PM
tech310$50.00$50.0011/26/2010 12:51:38 PM
kulender$100.00$100.0011/26/2010 12:53:07 PM
AFairDeal$50.00$50.0011/26/2010 12:55:27 PM
tolerant-dinero2$25.00$25.0011/26/2010 12:56:33 PM
enthralling-deal180$50.00$50.0011/26/2010 12:52:20 PM
careful-note$100.00$100.0011/26/2010 12:59:50 PM
proper-commitment5$25.00$25.0011/26/2010 12:51:44 PM
melodious-fairness$50.00$50.0011/26/2010 12:55:42 PM
dunox$50.00$50.0011/26/2010 12:52:43 PM
Webpreneur$50.00$50.0011/26/2010 1:01:56 PM
hopeful-truth5$100.00$100.0011/26/2010 12:52:52 PM
Pulchritudinous$25.00$25.0011/26/2010 12:53:13 PM
radforj22$25.00$25.0011/26/2010 1:03:08 PM
friendly-helper100$50.00$50.0011/26/2010 12:53:59 PM
graceful-investment$100.00$100.0011/26/2010 1:03:35 PM
cablenews$50.00$50.0011/26/2010 1:03:52 PM
jazzlender$25.00$25.0011/26/2010 12:55:04 PM
ichibon$150.00$150.0011/26/2010 12:59:54 PM
newest-bountiful-basis$25.00$25.0011/26/2010 1:04:53 PM
reward-motion$50.00$50.0011/26/2010 1:02:58 PM
Approved1234$50.00$50.0011/26/2010 1:03:06 PM
worthy-bid8$100.00$100.0011/26/2010 1:00:07 PM
Havana21$100.00$100.0011/26/2010 1:01:54 PM
Mariner3605$100.00$100.0011/26/2010 1:02:52 PM
vollynet$33.57$33.5711/26/2010 2:42:15 PM
bewitching-asset3$25.00$25.0011/26/2010 4:47:52 PM
nybanker85$32.53$32.5311/26/2010 5:50:29 PM
del30$25.00$25.0011/26/2010 5:14:36 PM
trade-boots1$100.00$100.0011/26/2010 5:28:29 PM
MedLend$45.37$45.3711/26/2010 6:44:11 PM
MrBailey$25.00$25.0011/26/2010 6:34:12 PM
squarebob$100.00$100.0011/26/2010 7:01:53 PM
squarebob$50.00$50.0011/26/2010 7:03:07 PM
dschless$25.00$25.0011/26/2010 6:13:22 PM
inspiring-reward$75.00$75.0011/27/2010 8:57:53 AM
wayman$50.00$50.0011/27/2010 10:58:27 AM
agwosdof$25.00$25.0011/27/2010 2:17:48 PM
MikeB918$25.00$25.0011/27/2010 10:54:39 AM
JustMee$25.00$25.0011/27/2010 7:15:13 PM
iflyforfun$25.00$25.0011/27/2010 8:38:02 PM
bonafide-cash$50.00$50.0011/27/2010 3:53:21 PM
open-wealth492$25.00$25.0011/27/2010 3:59:38 PM
tsui517$25.00$25.0011/28/2010 1:08:15 AM
Moneypenny6$25.00$25.0011/28/2010 9:54:35 AM
investment-comet$25.00$25.0011/27/2010 9:48:05 PM
Headhunter14$25.00$25.0011/28/2010 5:22:43 AM
Panna$25.00$25.0011/28/2010 1:41:17 PM
sammyhammy$25.00$25.0011/28/2010 7:37:58 AM
metro457$39.49$39.4911/28/2010 1:38:04 PM
magnificent-income7$25.00$25.0011/28/2010 11:40:26 AM
derfen$25.00$25.0011/28/2010 4:48:08 PM
danthemon35$25.00$25.0011/28/2010 9:02:50 PM
fair-rate$25.00$25.0011/28/2010 9:08:19 PM
bayareainv$50.00$50.0011/28/2010 1:41:43 PM
schpere$25.00$24.6311/29/2010 2:38:04 AM
rdrloan$50.00$50.0011/29/2010 9:04:38 AM
btormc5$50.00$50.0011/29/2010 1:28:14 PM
trunderw$25.00$25.0011/29/2010 7:13:19 PM
QsDad$25.00$25.0011/30/2010 1:57:42 AM
wwwUniversal$25.00$25.0011/30/2010 3:00:57 AM
wild_carrot$25.00$25.0011/30/2010 7:37:35 AM
blindtaxidriver$25.00$25.0011/30/2010 8:05:24 AM
forthright-principal2$25.00$25.0011/30/2010 3:30:16 AM
lavendergirl$25.00$25.0011/30/2010 8:39:39 AM
ttnk62918$25.00$25.0011/30/2010 11:03:32 AM
outofoffice$50.00$50.0011/30/2010 9:47:04 AM
chops21$40.00$40.0011/30/2010 3:47:32 PM
philantist$25.00$25.0011/30/2010 7:51:55 PM
exact-peso2$25.00$25.0012/1/2010 6:31:21 AM
gjm6d$25.00$25.0012/1/2010 8:50:59 AM
fund-javelin1$25.00$25.0012/1/2010 9:58:41 AM
godspeed237$25.00$25.0012/1/2010 7:14:35 AM
flyfisherman99$35.00$35.0012/1/2010 11:05:21 AM
newest-funds-powerplant$50.00$50.0012/1/2010 7:42:39 AM
fernor$25.00$25.0012/1/2010 2:11:10 PM
Heater36$25.00$25.0012/1/2010 12:10:49 PM
newest-efficient-loan$25.00$25.0012/1/2010 3:07:24 PM
Johnab$25.00$25.0012/1/2010 8:31:31 PM
engbusres$50.00$50.0012/1/2010 8:22:36 PM
edsmoney$100.00$100.0012/1/2010 7:14:12 PM
elvisloans$25.00$25.0012/2/2010 6:54:40 AM
Aragorn$25.00$25.0012/2/2010 4:54:43 AM
Spiv_51$25.00$25.0012/2/2010 5:11:25 AM
TigerForce$25.00$25.0012/2/2010 8:08:26 AM
peb44$25.00$25.0012/2/2010 7:35:32 AM
Easystreet$25.00$25.0012/2/2010 10:41:18 AM
bonus-quark4$25.00$25.0012/2/2010 10:55:36 AM
relierma$25.00$25.0012/2/2010 3:26:16 PM
wojo$25.00$25.0012/3/2010 5:49:55 AM
Manta_Rai$25.00$25.0012/2/2010 6:29:48 PM
Bank_of_E-Ville$25.00$25.0012/2/2010 8:14:02 PM
crw1950$35.00$35.0012/2/2010 9:07:58 PM
MacBrandon$25.00$25.0012/3/2010 4:02:12 AM
lazyeye$25.00$25.0012/3/2010 5:27:36 AM
icon7$25.00$25.0012/3/2010 11:44:49 AM
Loan-Mart$30.02$30.0212/3/2010 7:24:30 AM
competent-p2p$50.00$50.0012/3/2010 7:37:59 AM
friendinmoney$25.00$25.0012/3/2010 12:27:09 PM
RainMakers$25.00$25.0012/3/2010 10:17:23 AM
bradlyfera$30.84$30.8412/3/2010 12:37:02 PM
ray1051$75.00$75.0011/26/2010 12:51:28 PM
Ripsaw4U$50.00$50.0011/26/2010 12:52:24 PM
selector568$400.00$400.0011/26/2010 12:52:38 PM
money-bauble$25.00$25.0011/26/2010 12:53:44 PM
simplelender80$250.00$250.0011/26/2010 12:52:16 PM
understanding-affluence5$30.00$30.0011/26/2010 12:59:24 PM
indomitable-coin$50.00$50.0011/26/2010 12:54:52 PM
organized-payment6$50.00$50.0011/26/2010 12:51:35 PM
platinum-celebration4$25.00$25.0011/26/2010 12:55:09 PM
yield-enlistment$25.00$25.0011/26/2010 1:00:43 PM
skuba$25.00$25.0011/26/2010 12:55:33 PM
stuy1998$25.00$25.0011/26/2010 1:02:45 PM
zebra806$46.11$46.1111/26/2010 1:03:39 PM
finance_mba$25.00$25.0011/26/2010 12:54:57 PM
ASR3$25.00$25.0011/26/2010 12:55:19 PM
finance-prescription$100.00$100.0011/26/2010 1:00:15 PM
RandyL3$25.00$25.0011/26/2010 1:04:06 PM
rautility$50.00$50.0011/26/2010 1:05:00 PM
kc8fot$50.00$50.0011/26/2010 1:12:11 PM
LiveNow$25.00$25.0011/26/2010 1:05:15 PM
loyalist1$25.00$25.0011/26/2010 2:00:06 PM
bid-czar8$65.34$65.3411/26/2010 1:34:16 PM
peace-sorcerer$25.00$25.0011/26/2010 3:54:34 PM
squarebob$50.00$50.0011/26/2010 7:02:38 PM
peace-maximizer8$25.00$25.0011/26/2010 7:13:55 PM
balance-force$30.00$30.0011/26/2010 9:59:15 PM
MissionMicroFinance$25.00$25.0011/27/2010 12:59:35 AM
handshake5$43.80$43.8011/27/2010 1:43:27 AM
worth-arch$25.00$25.0011/27/2010 7:19:14 AM
JGB$25.00$25.0011/27/2010 5:24:28 AM
lloyd_s$25.00$25.0011/27/2010 1:23:02 AM
PRGuyinVA$50.00$50.0011/27/2010 9:25:37 PM
the-enterprising-leverage$25.00$25.0011/27/2010 11:14:52 PM
all_of_that_one$25.00$25.0011/28/2010 8:08:55 AM
maldok1$25.00$25.0011/28/2010 1:41:13 PM
ramblin$25.00$25.0011/28/2010 7:06:11 AM
rudyindc$25.00$25.0011/28/2010 7:08:19 AM
worldly-community3$50.00$50.0011/28/2010 1:41:53 PM
poolshark72$25.00$25.0011/28/2010 6:22:29 PM
gain-gourd$100.00$100.0011/28/2010 8:35:52 PM
payout-reaction740$25.00$25.0011/29/2010 10:54:03 AM
creative-commerce8$50.00$50.0011/29/2010 10:56:57 AM
Auditman$50.00$50.0011/30/2010 7:15:27 AM
melodious-fairness$50.00$50.0011/30/2010 10:39:08 AM
the-capital-shooter$75.00$75.0011/30/2010 3:26:22 PM
Tsnark$52.84$52.8411/30/2010 3:30:27 PM
principal-bull$25.00$25.0011/30/2010 6:11:36 PM
csandb$25.00$25.0011/30/2010 8:13:53 PM
rmlends$25.00$25.0011/30/2010 4:02:00 PM
rce1964$25.00$25.0012/1/2010 2:10:02 AM
gdfp158$25.00$25.0011/30/2010 8:59:21 PM
purplepotato$25.00$25.0012/1/2010 9:20:40 AM
CashBank$25.00$25.0012/1/2010 10:11:05 AM
jholebound$25.00$25.0012/1/2010 11:03:50 AM
moneytolend72$25.00$25.0012/1/2010 12:41:41 PM
noble-yield136$25.00$25.0012/1/2010 1:15:33 PM
gilbrear$25.00$25.0012/1/2010 3:37:24 PM
wise-blazing-currency$45.00$45.0012/1/2010 4:38:50 PM
j352000$25.00$25.0012/1/2010 6:35:36 PM
BankofRa$25.00$25.0012/1/2010 6:42:17 PM
malcolmreynolds$25.00$25.0012/1/2010 4:18:31 PM
RyanTH9893$26.85$26.8512/1/2010 7:37:55 PM
philantist$25.00$25.0012/1/2010 7:59:01 PM
cvrick$30.00$30.0012/1/2010 5:03:11 PM
authoritative-loot$25.00$25.0012/1/2010 7:48:51 PM
Havnfun$25.00$25.0012/1/2010 8:25:32 PM
wonderous-power$25.00$25.0012/2/2010 3:43:29 AM
pilot1723$25.00$25.0012/2/2010 4:04:48 AM
gustavholstopus32$25.00$25.0012/2/2010 5:18:04 AM
Spkthewrd3$25.00$25.0012/2/2010 5:22:13 AM
AlexWalex57$50.00$50.0012/2/2010 9:46:41 AM
Dollars4Rent$25.00$25.0012/2/2010 10:43:18 AM
wealth-grasshopper0$119.37$119.3712/2/2010 11:01:20 AM
BipedalHominid$30.00$30.0012/2/2010 12:23:19 PM
dreamhope$25.00$25.0012/2/2010 7:34:51 AM
GarciaCompany$25.00$25.0012/2/2010 8:22:53 AM
saraven01$41.54$41.5412/2/2010 6:27:49 PM
5kids5$37.70$37.7012/2/2010 7:26:30 PM
bear01$30.00$30.0012/2/2010 7:47:49 PM
availableloan$25.00$25.0012/2/2010 11:25:53 PM
starry2001$25.00$25.0012/3/2010 4:04:38 AM
techreseller$50.00$50.0012/3/2010 5:57:52 AM
Belair_Advisors$25.00$25.0012/2/2010 5:11:51 PM
spiff666$25.00$25.0012/3/2010 6:46:55 AM
mpatrick$25.00$25.0012/3/2010 10:41:09 AM
Richmp412$25.00$25.0012/3/2010 6:29:55 AM
thegreatstrafe$25.00$25.0012/3/2010 9:20:27 AM
reflective-rupee$100.00$100.0012/3/2010 12:44:29 PM
191 bids
 
Borrower Payment Dependent Notes Series 485817
This series of Notes was issued and sold upon the funding of the borrower loan #45950, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Nov-29-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $313.36
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $313.36
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1992 Debt/Income ratio: 17%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,980Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: first-bid-stockpiler 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
Tired of high interest!
This loan will be used for debt consolidation with a portion used for home improvements.The majority of the revolving debt my wife and I have is a result of having a 3rd son (unplanned) approximately 3 years ago.While it has been a blessing, we didn?t exactly adjust our standard of living to offset the year she took off work and the cost of having multiple children in daycare.? Fortunately we're 6 months away from reducing that daycare expense from $1,800/mo 2 years ago, to $1,200/mo now, to $600 in June of 2011.In addition to the costs of daycare, we recently purchased several major appliances using higher interest credit cards to purchase.

I am a great candidate for this loanbecause I have an Experian score of 774 as of 10/9/10.I understand the importance of good credit and monitor my credit score monthly through a subscription service.? I currently have enough cash/stock on hand to adequately cover my living expenses for 4 months if something unexpected happened tomorrow.? I also will free up an additional $600/mo in July when my 4 year old starts school and $150/mo when I'm able to refinance my home based on the appraised value as opposed to the purchase price.

Please consider funding this loan and sleep well knowing that your investment is safe and your return is locked in!
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)
FlexFunding$50.00$50.0011/29/2010 2:56:28 PM
proper-commitment5$25.00$25.0011/29/2010 2:58:48 PM
generous-deal6$50.00$50.0011/29/2010 2:59:40 PM
social-comet7$25.00$25.0011/29/2010 3:01:50 PM
radforj22$50.00$50.0011/29/2010 3:02:10 PM
life-is-great$50.00$50.0011/29/2010 3:02:41 PM
currency-persimmon$25.00$25.0011/29/2010 3:02:54 PM
Avala$100.00$100.0011/29/2010 2:59:32 PM
selector568$400.00$400.0011/29/2010 3:04:27 PM
unclejaef$25.00$25.0011/29/2010 3:01:19 PM
Havana21$100.00$100.0011/29/2010 3:05:49 PM
conductor146$25.00$25.0011/29/2010 3:05:37 PM
fishtale$25.00$10.4911/29/2010 3:06:17 PM
tech310$50.00$50.0011/29/2010 2:59:54 PM
capital-web7$50.00$50.0011/29/2010 3:03:37 PM
RandyL3$25.00$25.0011/29/2010 3:23:08 PM
manuvns$25.00$25.0011/29/2010 3:40:37 PM
penny-plato$25.00$25.0011/29/2010 4:33:44 PM
AaronL$25.00$25.0011/29/2010 6:48:24 PM
honsbedh$25.00$25.0011/29/2010 7:31:46 PM
dma1206$25.00$25.0011/30/2010 1:02:16 AM
blue-euro-entrepreneur$25.00$25.0011/30/2010 6:14:50 AM
newest-funds-powerplant$50.00$50.0012/1/2010 7:42:40 AM
penny-plato$25.00$25.0012/1/2010 10:57:47 AM
zxr$25.00$25.0012/1/2010 11:09:43 AM
fund-javelin1$25.00$25.0012/1/2010 10:04:50 AM
principal-bull$25.00$25.0012/1/2010 4:53:16 PM
Whitewater_Loans$25.00$25.0012/1/2010 6:46:43 PM
the-capital-shooter$100.00$100.0012/1/2010 9:03:38 PM
kander80$25.00$25.0012/1/2010 6:45:04 PM
outofoffice$50.00$50.0012/2/2010 7:07:32 AM
quantumwellguy$50.00$50.0012/2/2010 6:34:38 AM
paramjit$27.63$27.6312/2/2010 6:36:46 PM
BicyclePostLendingDivision$29.81$29.8112/2/2010 7:41:04 PM
secret-santa$25.00$25.0012/3/2010 1:38:24 AM
lazyeye$25.00$25.0012/3/2010 5:32:11 AM
BOZO88$50.00$50.0012/3/2010 8:26:46 AM
ttnk62918$25.00$25.0012/3/2010 12:03:35 PM
giovani$25.00$25.0012/3/2010 1:25:59 PM
nbah123$50.00$50.0012/3/2010 1:38:27 PM
boomer5$25.00$25.0012/3/2010 2:24:02 PM
secureincome$2,500.00$2,500.0012/3/2010 5:30:18 PM
one-midas$100.00$100.0012/3/2010 4:48:18 PM
duke12$84.59$84.5912/4/2010 7:46:51 AM
velocity-solo$25.00$25.0012/4/2010 8:17:38 AM
help4u$150.00$150.0012/3/2010 6:15:47 PM
silver-dogwood4$25.00$25.0012/3/2010 7:56:10 PM
stammyc3$25.73$25.7312/4/2010 7:19:23 AM
mrnazraq$25.00$25.0012/4/2010 2:22:53 PM
djmjkelso$25.00$25.0012/4/2010 10:39:43 PM
loan-kung-fu$1,083.26$1,083.2612/4/2010 11:21:48 PM
AsianDragon$35.00$35.0012/4/2010 1:30:33 PM
NoNameLender$75.11$75.1112/5/2010 2:22:16 PM
don'twannadance$50.00$50.0012/5/2010 3:31:32 PM
AustinAmerica$25.00$25.0012/5/2010 9:56:55 AM
jimbo29blue$50.00$50.0012/5/2010 2:46:36 PM
Charmart$25.00$25.0012/6/2010 2:42:25 AM
don'twannadance$50.00$50.0012/5/2010 3:31:59 PM
lm150$25.00$25.0012/6/2010 6:37:08 AM
excalibur$50.00$50.0012/5/2010 5:53:40 AM
Aragorn$28.05$28.0512/5/2010 6:04:26 AM
Dollars4Rent$25.00$25.0012/5/2010 11:23:04 AM
indomitable-coin$100.00$100.0012/6/2010 5:59:08 AM
availableloan$25.00$25.0012/5/2010 3:46:11 PM
loanman2007$100.00$100.0012/6/2010 1:02:56 PM
commitment-farm$25.00$25.0012/6/2010 1:10:05 PM
maximizer$25.00$25.0012/6/2010 9:35:09 AM
LindaRicci$25.00$25.0012/6/2010 9:47:05 AM
Guiren$100.00$100.0012/6/2010 1:46:17 PM
DukSerduk$25.00$25.0011/29/2010 2:56:34 PM
investment-network$50.00$50.0011/29/2010 2:59:16 PM
valueguru$50.00$50.0011/29/2010 3:02:31 PM
commerce-voyager$25.00$25.0011/29/2010 2:59:47 PM
bicyclebear$50.00$50.0011/29/2010 3:05:06 PM
alpinaut$25.00$25.0011/29/2010 3:01:27 PM
wjf60$50.00$50.0011/29/2010 3:05:45 PM
seabass123$25.00$25.0011/29/2010 3:02:37 PM
Ripsaw4U$50.00$50.0011/29/2010 3:03:00 PM
tolerant-dinero2$25.00$25.0011/29/2010 3:09:23 PM
money-bauble$100.00$100.0011/29/2010 2:59:31 PM
kc8fot$50.00$50.0011/29/2010 3:02:32 PM
blot44$25.00$25.0011/29/2010 3:12:01 PM
napmanger$25.00$25.0011/29/2010 3:28:42 PM
Nazbuster$100.00$100.0011/30/2010 6:37:31 AM
lavendergirl$25.00$25.0011/30/2010 8:41:17 AM
Requiem$25.00$25.0011/30/2010 3:27:07 PM
Jtomtom$25.00$25.0011/30/2010 8:32:48 PM
RainMakers$25.00$25.0012/1/2010 6:00:48 AM
productive-finance$30.00$30.0012/1/2010 2:49:26 PM
MrSolution$25.00$25.0012/1/2010 2:58:34 PM
otalon$25.11$25.1112/1/2010 3:06:39 PM
wwwUniversal$25.00$25.0012/1/2010 7:34:06 PM
authoritative-loot$25.00$25.0012/1/2010 7:50:02 PM
bradny$25.00$25.0012/1/2010 6:36:53 PM
TomDalonajay$25.00$25.0012/1/2010 7:23:41 PM
octoberfresh$28.00$28.0012/2/2010 7:34:06 AM
Hondo$25.00$25.0012/2/2010 1:48:21 PM
investinFla$25.00$25.0012/2/2010 6:00:50 AM
knark$25.00$25.0012/2/2010 1:33:30 PM
engaging-worth$25.00$25.0012/2/2010 5:32:44 PM
RichDadPoorDad$25.00$25.0012/3/2010 1:17:37 AM
shadowflame_99$25.00$25.0012/3/2010 1:40:21 AM
rce1964$25.00$25.0012/3/2010 2:07:12 AM
dcap3$25.00$25.0012/3/2010 5:21:32 AM
reflective-rupee$25.00$25.0012/3/2010 12:45:27 PM
ingenious-order783$25.00$25.0012/3/2010 2:10:55 PM
rockytop$50.00$50.0012/3/2010 1:32:28 PM
LawyerLoan$35.00$35.0012/3/2010 3:12:17 PM
samurai2$30.00$30.0012/3/2010 7:39:47 PM
mclean_loaner$50.00$50.0012/3/2010 4:14:14 PM
hilsoon$25.00$25.0012/4/2010 2:29:46 AM
skillful-diversification2$25.00$25.0012/3/2010 7:39:30 PM
famous-marketplace9$50.00$50.0012/3/2010 7:36:32 PM
mozzarella$25.00$25.0012/3/2010 8:05:50 PM
walkinsky$136.22$136.2212/4/2010 4:40:15 PM
pghtiny$25.00$25.0012/4/2010 6:54:27 PM
buddylucy$33.00$33.0012/4/2010 5:36:20 AM
gjm6d$25.00$25.0012/4/2010 8:50:35 AM
pinnacle10$25.00$25.0012/4/2010 4:23:52 PM
MacBrandon$25.00$25.0012/5/2010 3:23:46 AM
Soothsayer$107.00$107.0012/5/2010 8:21:29 AM
keichi03$40.00$40.0012/4/2010 6:54:48 PM
jimbo29blue$50.00$50.0012/5/2010 2:47:33 PM
thankful-nickel2$25.00$25.0012/4/2010 7:14:28 PM
hopeful-truth5$150.00$150.0012/5/2010 1:25:17 PM
trade-elm$26.00$26.0012/5/2010 1:31:30 PM
TJ-Financial-Group$25.00$25.0012/5/2010 10:53:42 PM
jimbo29blue$50.00$50.0012/5/2010 2:47:02 PM
don'twannadance$50.00$50.0012/5/2010 3:31:04 PM
loan-kung-fu$500.00$500.0012/4/2010 11:15:41 PM
Dollars4Rent$25.00$25.0012/5/2010 11:22:31 AM
GarBear88$100.00$100.0012/5/2010 12:50:59 PM
crw1950$50.00$50.0012/6/2010 7:09:18 AM
Richmp412$25.00$25.0012/6/2010 6:31:32 AM
heerzaquestion$25.00$25.0012/6/2010 7:09:58 AM
rockingnrolling$35.00$35.0012/6/2010 1:52:15 PM
nanaof7$25.00$25.0012/6/2010 11:41:50 AM
ethicalhumanist$50.00$50.0012/6/2010 12:40:33 PM
ProjectVenture$50.00$50.0012/6/2010 1:09:58 PM
revenue-appraiser$25.00$25.0012/6/2010 2:52:37 PM
140 bids
 
Borrower Payment Dependent Notes Series 486405
This series of Notes was issued and sold upon the funding of the borrower loan #45938, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60% Auction start date:  Dec-02-2010 
  Auction end date:  Dec-09-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $180.94
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1982 Debt/Income ratio: 33%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:14y 6m
Amount delinquent: $3,715 Total credit lines: 46 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,379Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: gman5150 Borrower's state: California Borrower's group: Brighter Financial Future
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: 48 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,101.00< 31 days late: 0 ( 0% )  
600-619 (Oct-2009)
600-619 (Aug-2009)
600-619 (May-2009)
600-619 (Nov-2007)
 
Principal balance: $1,049.90 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Need money to Fund my Wedding
Purpose of loan:
This loan will be used to help out with cost associated with my upcoming wedding.? My Fiance and I have $5000 saved and would like to reach $10,000 and have a little left over for our honeymoon.??

My financial situation:
I am a good candidate for this loan because I've already had a prosper loan of $2,600 and have paid it off.? I currently not late on any bill's and still currently employed

Monthly net income: $5194

Please help out if you can.

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)
GrossBuddha$75.00$75.0012/2/2010 4:28:33 PM
UCLA4life$35.00$35.0012/2/2010 4:39:50 PM
reflective-rupee$200.00$200.0012/2/2010 7:13:56 PM
GrossBuddha$100.00$100.0012/2/2010 4:38:24 PM
red-favorable-basis$25.00$25.0012/2/2010 8:37:34 PM
rustysailor$25.00$25.0012/3/2010 11:30:54 AM
Legally_Blonde$25.00$25.0012/4/2010 6:11:18 AM
myutmost$25.00$25.0012/4/2010 8:16:40 PM
innovator2$50.00$50.0012/5/2010 9:36:35 AM
big_balla_papi$30.00$30.0012/6/2010 2:04:31 AM
Toastmaster007$25.00$25.0012/6/2010 9:30:07 PM
myutmost$25.00$25.0012/7/2010 3:26:27 PM
blitzen40$50.00$50.0012/7/2010 9:00:14 PM
zorg77$25.00$25.0012/7/2010 9:29:48 PM
YoungTaxMan$300.00$300.0012/8/2010 4:02:26 PM
selector568$50.00$50.0012/8/2010 4:02:54 PM
farchoir$25.00$25.0012/9/2010 9:26:33 AM
innovator2$50.00$50.0012/8/2010 5:52:34 PM
ddoneday$25.00$25.0012/9/2010 1:16:31 PM
reflective-rupee$200.00$200.0012/9/2010 10:01:16 AM
mikeandcat$50.06$50.0612/9/2010 4:53:26 AM
hopeful-truth5$100.00$100.0012/9/2010 3:57:19 PM
Hummer-Guy$30.00$30.0012/9/2010 9:43:11 AM
DenimCapital$250.00$250.0012/9/2010 12:58:57 PM
hopeful-truth5$150.00$150.0012/9/2010 3:47:51 PM
reflective-rupee$400.00$200.4012/9/2010 3:57:24 PM
Jasmel$50.00$50.0012/3/2010 9:20:54 AM
mikeandcat$50.00$50.0012/3/2010 12:15:38 PM
CommunityArts_Non-profit$30.00$30.0012/5/2010 1:31:39 AM
zone6$84.00$84.0012/6/2010 8:18:49 PM
Mark-M$25.00$25.0012/6/2010 6:38:13 PM
NekHoldings$25.00$25.0012/7/2010 5:16:51 AM
brondero$40.00$40.0012/8/2010 7:28:18 AM
eboomer2611$25.00$25.0012/8/2010 9:20:39 PM
DasMula$25.00$25.0012/8/2010 10:42:08 PM
jhouman$25.00$25.0012/9/2010 12:41:08 AM
innovator2$25.00$25.0012/9/2010 5:13:18 AM
Jasmel$50.00$50.0012/9/2010 6:06:11 AM
reflective-rupee$200.00$200.0012/9/2010 10:00:45 AM
YoungTaxMan$300.54$300.5412/9/2010 2:04:52 PM
jes5199$25.00$25.0012/9/2010 1:35:42 PM
jhernand17$25.00$25.0012/9/2010 9:27:51 AM
GrossBuddha$250.00$250.0012/9/2010 2:51:30 PM
reflective-rupee$200.00$200.0012/9/2010 3:50:03 PM
reflective-rupee$200.00$200.0012/9/2010 3:50:19 PM
MilitaryLending$25.00$25.0012/9/2010 3:52:46 PM
Fire2$25.00$25.0012/9/2010 2:50:09 PM
hopeful-truth5$150.00$150.0012/9/2010 3:04:53 PM
48 bids
 
Borrower Payment Dependent Notes Series 486891
This series of Notes was issued and sold upon the funding of the borrower loan #46059, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,400.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $256.16
Final lender yield: 13.39% Final borrower rate/APR: 14.39% / 16.55% Final monthly payment: $254.32
 
Auction yield range: 5.51% - 13.90% Estimated loss impact: 6.17%  
Lender servicing fee: 1.00% Estimated return: 7.22%  
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-1996 Debt/Income ratio: 31%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,494Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: youthful-euro 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 credit cards
Purpose of loan:
This loan will be used to pay off all credit card debt.

My financial situation:
I am a good candidate for this loan because I am a responsible adult working full time as a tenured educator. In addition to my full time job, I teach several group exercise classes at the local health club.

Monthly net income: $
$4355.17 income from full time position
Monthly expenses:
??Housing: $834
??Insurance: $100
??Car expenses: $450
??Utilities: $300
??Phone, cable, internet: $paid by spouse
??Food, entertainment: $paid by spouse
??Clothing, household expenses $200
??Credit cards and other loans: credit cards to be paid off by this loan. Two school loans with a total of $458
??Other expenses: $175
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 rates are your other loans at? - movia12
A: Mortgage 4.5% fixed, Auto 5.9%, School Loans 6.5% and 6.25% (Dec-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
secureincome$2,000.00$2,000.0012/7/2010 2:55:55 PM
reflective-rupee$300.00$300.0012/7/2010 4:06:03 PM
outofoffice$50.00$50.0012/8/2010 7:39:20 AM
basejump0$25.00$25.0012/7/2010 8:13:00 PM
payout-detective7$53.68$53.6812/8/2010 4:52:14 PM
SOP_Bank$25.00$25.0012/9/2010 6:11:48 AM
adir1$25.00$25.0012/8/2010 10:04:43 PM
DasMula$25.00$25.0012/8/2010 10:40:42 PM
selector568$300.00$300.0012/8/2010 4:31:44 PM
Sol_Invictus$25.00$25.0012/8/2010 6:40:20 PM
Ven58$25.00$25.0012/10/2010 1:16:02 AM
poetic-diversification$250.00$250.0012/10/2010 3:23:20 AM
KINGDOMVENDING$50.00$50.0012/10/2010 7:46:24 AM
omegamon1$25.00$25.0012/11/2010 2:24:02 PM
gristle_mcthornbody$25.00$25.0012/12/2010 11:27:50 AM
economy-popcorn$25.00$25.0012/12/2010 11:44:58 AM
loss-of-control$50.00$50.0012/12/2010 5:40:45 PM
XCWIZ007$45.00$45.0012/12/2010 6:40:19 PM
jarevack$30.00$30.0012/12/2010 6:58:10 PM
myworld701$25.00$25.0012/12/2010 7:57:15 AM
ashinvest$25.00$25.0012/12/2010 4:11:48 PM
vutah$25.00$25.0012/12/2010 12:41:05 PM
vanderhp$25.00$25.0012/12/2010 7:35:02 PM
justinology$50.00$50.0012/13/2010 10:03:42 AM
drysdale-sd$40.00$40.0012/13/2010 6:15:31 AM
velocity-onator$25.00$25.0012/13/2010 12:48:04 PM
Dopplerbob$26.44$26.4412/13/2010 2:33:20 PM
MrBadExample$427.00$427.0012/13/2010 2:45:13 PM
gilbrear$25.00$25.0012/13/2010 3:43:24 PM
Snoopylover$25.00$25.0012/13/2010 4:32:40 PM
icanhelpyouout$25.00$25.0012/13/2010 7:21:59 PM
lastelias$30.00$30.0012/13/2010 10:02:02 PM
Dskillz$30.00$30.0012/13/2010 5:43:56 PM
ttnk62918$25.00$25.0012/14/2010 1:04:31 AM
2Below$25.00$25.0012/14/2010 5:20:30 AM
social-zebra$26.00$26.0012/14/2010 8:25:24 AM
zippy-revenue8$25.00$25.0012/14/2010 5:09:59 AM
gjm6d$25.00$25.0012/14/2010 9:47:15 AM
chuchutrain$25.00$25.0012/14/2010 6:35:52 AM
CSinvestments$25.00$25.0012/13/2010 5:56:51 PM
enthralling-investment$60.00$60.0012/14/2010 11:28:54 AM
friendinmoney$25.00$25.0012/14/2010 12:35:52 PM
dynrep$25.00$25.0012/14/2010 9:38:46 AM
jchurchi$25.00$25.0012/14/2010 9:39:32 AM
trade-elm$30.00$30.0012/14/2010 9:47:05 AM
Johnab$25.00$25.0012/13/2010 8:33:06 PM
integrity-doctor$100.00$100.0012/14/2010 2:44:31 PM
blue-useful-auction$25.00$25.0012/14/2010 2:50:12 PM
Brown98$25.00$25.0012/14/2010 10:51:24 AM
rapid-currency$25.00$25.0012/14/2010 11:10:04 AM
revenue-appraiser$25.00$25.0012/14/2010 1:03:21 PM
grampy48$30.00$30.0012/14/2010 1:31:26 PM
investment-cluster$25.00$25.0012/14/2010 2:16:31 PM
p2ploan-sensation211$50.00$4.2412/14/2010 2:48:11 PM
thankful-nickel2$25.00$25.0012/7/2010 6:18:45 PM
RussiaAC5M$47.52$47.5212/8/2010 11:03:29 AM
ProudDad$50.00$50.0012/8/2010 1:03:41 PM
bentheretoo$152.00$152.0012/8/2010 12:10:46 PM
AK49-JW$25.00$25.0012/8/2010 1:40:35 PM
chameleon125$25.00$25.0012/8/2010 6:36:15 AM
mammalian4$25.00$25.0012/8/2010 11:07:45 AM
DasMula$25.00$25.0012/8/2010 10:40:12 PM
wwwUniversal$25.00$25.0012/9/2010 1:00:15 AM
bankofriverside$40.33$40.3312/9/2010 4:55:47 AM
Bank_Of_XL$50.00$50.0012/8/2010 7:47:28 PM
DasMula$25.00$25.0012/8/2010 10:40:28 PM
KrisKringle$50.00$50.0012/9/2010 3:56:49 AM
Kessler$29.00$29.0012/9/2010 9:31:38 AM
tomdooley12520$25.00$25.0012/9/2010 5:14:32 AM
hokiefan08$32.70$32.7012/9/2010 7:38:53 AM
scientists$25.00$25.0012/9/2010 2:52:55 PM
GeorgiaGator$40.00$40.0012/9/2010 1:21:38 PM
himanshuko$25.00$25.0012/10/2010 8:52:56 AM
rmpedi33$50.00$50.0012/11/2010 10:48:37 AM
credit-birch$56.00$56.0012/10/2010 4:26:40 PM
wildcard451$28.10$28.1012/11/2010 8:55:46 PM
WeR5A$25.00$25.0012/12/2010 1:18:54 AM
ManhattanLender$25.00$25.0012/11/2010 2:46:40 PM
dmk2006$25.00$25.0012/11/2010 3:15:38 PM
foofightee$25.00$25.0012/11/2010 4:06:39 PM
4mydaughterseducation$25.00$25.0012/12/2010 11:14:53 AM
plouie$25.00$25.0012/12/2010 11:36:17 AM
peace-sitar0$150.00$150.0012/12/2010 9:33:33 PM
ptclender$100.00$100.0012/13/2010 1:20:57 PM
unfixer$25.00$25.0012/13/2010 12:11:20 AM
businessguy29$25.00$25.0012/13/2010 8:41:28 AM
Requiem$25.00$25.0012/13/2010 11:14:53 AM
gilbrear$25.00$25.0012/13/2010 3:44:44 PM
fcb202$28.09$28.0912/13/2010 4:26:39 PM
yogi1975$25.00$25.0012/13/2010 6:57:30 PM
chrisb4745$26.25$26.2512/13/2010 7:27:17 PM
community-bee$50.00$50.0012/13/2010 8:57:03 PM
doopers$25.00$25.0012/13/2010 10:11:59 PM
rockhound84$25.00$25.0012/14/2010 12:31:06 AM
bughead$25.00$25.0012/13/2010 7:54:47 PM
diversification-enlistment$25.00$25.0012/13/2010 8:45:19 PM
pinballwizard$25.00$25.0012/14/2010 3:31:49 AM
Mindful7$25.00$25.0012/14/2010 4:47:05 AM
red-deal-genius$50.77$50.7712/14/2010 3:21:40 AM
treasure-bison$30.76$30.7612/14/2010 5:35:01 AM
la_tim$60.00$60.0012/13/2010 5:36:05 PM
Richmp412$25.00$25.0012/14/2010 6:31:40 AM
blissful-penny$355.13$355.1312/14/2010 10:19:34 AM
jcw3rd$25.00$25.0012/13/2010 6:44:39 PM
pj_bryant$25.00$25.0012/14/2010 11:40:49 AM
DackoDenk$25.00$25.0012/13/2010 7:24:41 PM
rupee-kung-fu7$25.00$25.0012/14/2010 9:15:17 AM
economy-caper9$25.00$25.0012/14/2010 9:56:38 AM
Airthus$25.00$25.0012/14/2010 1:42:11 PM
spotty54$25.00$25.0012/14/2010 1:54:06 PM
Isotope$25.00$25.0012/14/2010 2:40:15 PM
Astyanax$75.00$75.0012/14/2010 12:52:42 PM
one-midas$50.00$50.0012/14/2010 1:50:15 PM
giantfan19$40.99$40.9912/14/2010 2:31:21 PM
redtilapia$25.00$25.0012/14/2010 7:55:14 AM
milo1000$25.00$25.0012/14/2010 9:31:50 AM
Gobsek$25.00$25.0012/14/2010 11:51:46 AM
117 bids
 
Borrower Payment Dependent Notes Series 487405
This series of Notes was issued and sold upon the funding of the borrower loan #46065, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Dec-09-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $155.77
Final lender yield: 13.72% Final borrower rate/APR: 14.72% / 16.89% Final monthly payment: $155.38
 
Auction yield range: 5.51% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1987 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 60 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,721Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: brightest-benefit-miser Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a 29.99% int credit card
Purpose of loan:
This loan will be used to pay off a credit card balance that just increased my rate to 29.99%!? I have been paying $250 monthly and am not making a dent due to the interest.

My financial situation:
I am a good candidate for this loan because I consistently pay my bills on time and am working very hard to get out of debt but cannot do so with such a high interest rate

Monthly net income: $4,500

Monthly expenses:?? $3100 ?
??Housing: $ 1280 ????
??Insurance: $ 140 ????
??Car expenses: $ 350 ????
??Utilities: $ 200 ????
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 900
??Other expenses: $ 30
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)
RandyL3$25.00$25.0012/9/2010 2:46:54 PM
reflective-rupee$100.00$100.0012/9/2010 3:02:24 PM
secureincome$2,000.00$2,000.0012/9/2010 2:39:20 PM
selector568$400.00$400.0012/9/2010 2:41:27 PM
Scotcha$50.00$50.0012/9/2010 10:03:37 PM
LendsToMomos$65.71$65.7112/10/2010 12:19:46 AM
jcquiroz$50.00$50.0012/10/2010 10:04:48 AM
MoneyTree79$50.00$50.0012/9/2010 6:00:01 PM
Zachilles$25.00$25.0012/10/2010 8:12:07 AM
thankful-nickel2$25.00$25.0012/9/2010 7:38:48 PM
keichi03$40.00$40.0012/10/2010 11:00:47 AM
RainMakers$25.00$25.0012/10/2010 1:14:15 PM
Mav26$56.15$56.1512/10/2010 1:56:07 PM
Sol_Invictus$25.00$25.0012/10/2010 12:01:45 PM
GCSS$25.00$25.0012/10/2010 1:24:41 PM
vutah$25.00$25.0012/10/2010 9:03:53 PM
fallentimbers$25.00$25.0012/10/2010 7:35:03 PM
voyage554$27.25$27.2512/12/2010 9:27:27 AM
spiff666$50.00$50.0012/11/2010 7:54:00 AM
ManhattanLender$25.00$25.0012/12/2010 7:10:39 AM
kmcolo$25.00$25.0012/12/2010 7:29:30 AM
4mydaughterseducation$25.00$25.0012/12/2010 11:14:25 AM
japerk$25.00$25.0012/12/2010 3:37:28 PM
simiray$25.00$25.0012/11/2010 8:56:53 PM
economy-beast$25.00$25.0012/12/2010 7:34:29 PM
vineet$25.22$25.2212/12/2010 10:08:17 AM
peace-sitar0$50.00$50.0012/12/2010 9:35:09 PM
Littlepeng$25.00$25.0012/13/2010 10:11:47 AM
new-aggresive-investment$40.00$40.0012/13/2010 7:35:26 AM
mammalian4$25.00$25.0012/9/2010 2:49:34 PM
penny-plato$25.00$25.0012/9/2010 3:22:04 PM
DasMula$25.00$25.0012/9/2010 3:55:15 PM
payout-detective7$57.86$57.8612/10/2010 5:32:27 AM
Bank_Of_XL$50.00$50.0012/9/2010 6:26:20 PM
bg26892$50.00$50.0012/9/2010 10:04:33 PM
chokichi$40.00$40.0012/10/2010 12:17:27 PM
eldorado71$25.00$25.0012/10/2010 1:05:13 PM
JustMee$25.00$25.0012/9/2010 5:34:11 PM
kain11286$50.00$50.0012/10/2010 8:19:47 AM
newest-funds-powerplant$25.00$25.0012/9/2010 7:19:33 PM
jdtrip03$65.00$65.0012/10/2010 10:38:47 PM
FinanceEngine$25.00$25.0012/11/2010 3:47:30 AM
theloanteacher$25.00$25.0012/11/2010 8:21:07 AM
britches613$25.00$25.0012/11/2010 7:29:52 PM
lilgates26$44.00$44.0012/11/2010 1:22:30 PM
exuberant-loot$25.00$25.0012/12/2010 5:23:08 AM
exchange-dreams$25.00$25.0012/12/2010 11:18:40 AM
WeR5A$25.00$25.0012/12/2010 1:22:10 AM
harddollars$25.00$25.0012/12/2010 12:28:34 PM
Milonguero$100.00$100.0012/12/2010 9:34:21 AM
platinum-czar$100.00$100.0012/12/2010 1:58:47 PM
dorfinia$50.00$5.0212/12/2010 7:29:14 PM
Peacepower$25.00$25.0012/12/2010 8:07:24 AM
credit-panda1$25.00$25.0012/12/2010 8:49:06 AM
best-shiny-hope$25.00$25.0012/13/2010 4:43:55 AM
auction-workhorse679$25.00$25.0012/13/2010 7:35:39 AM
mobius404$33.79$33.7912/13/2010 6:22:15 AM
tender-transaction$50.00$50.0012/13/2010 10:58:21 AM
Danjack_Capital$25.00$25.0012/13/2010 11:29:54 AM
moneytolend72$25.00$25.0012/13/2010 11:08:11 AM
60 bids
 
Borrower Payment Dependent Notes Series 487493
This series of Notes was issued and sold upon the funding of the borrower loan #46050, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,536.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $285.40
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $285.40
 
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-1998 Debt/Income ratio: 47%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:14y 1m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,058Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: coddy Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2008)
 
Principal balance: $1,470.07 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
HVAC systms,No heat.Thks
Purpose of loan:
This loan will be used to?
To replace heating and cooling.I have no heat and this unit went down becasue age 17yrs old.I have gotton 500.00 from father and with this money or loan, i will have the money for the installers to star and have heat for x-mas.Thk u.
My financial situation:
I am a good candidate for this loan because? I have aways paid with cash,but came a time to get creit and thats what had got me in to debt.All they did is raise my rate.Since i have came here i was abl to get rid of one of those deamans and for that i say thank you all for helping when no one would.My loan will be up in june 2011.And i am in good standing to.Thank you again.?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: 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: I was with countrywide and then it wae sold to hsbc,then all heck broke out.It was sold again.82,000 one home, and a second 20,000.Home is worth 122,000.Home was bilt 1968 on two acres brick.I don't know heloc is.Thks u. (Dec-12-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ukstevenhawaii$100.00$100.0012/10/2010 3:11:05 PM
diplomatic-wealth7$25.00$25.0012/10/2010 3:13:19 PM
reflective-rupee$200.00$200.0012/10/2010 3:54:53 PM
EBITDA$25.00$25.0012/10/2010 3:09:17 PM
Bank42$33.37$33.3712/10/2010 3:11:37 PM
glroark$50.00$50.0012/10/2010 3:12:17 PM
kulender$50.00$50.0012/10/2010 3:13:48 PM
symbiosis$50.00$50.0012/10/2010 3:15:31 PM
113121$25.00$25.0012/10/2010 5:24:15 PM
lendstats_com$200.00$200.0012/10/2010 3:24:44 PM
SNH$100.00$100.0012/10/2010 8:09:23 PM
UCLA4life$25.00$25.0012/10/2010 3:10:06 PM
a-finance-nirvana$25.00$25.0012/11/2010 1:54:58 AM
simplelender80$100.00$100.0012/10/2010 3:13:38 PM
PRGuyinVA$25.00$25.0012/11/2010 2:13:57 AM
Artist_Blue$25.00$25.0012/10/2010 3:14:07 PM
IIP77$25.00$25.0012/11/2010 4:23:41 AM
famous-bill$25.00$25.0012/11/2010 5:03:13 AM
sturdy-openness885$25.00$25.0012/11/2010 7:28:42 AM
richboy56$25.00$25.0012/10/2010 10:08:44 PM
DSFinancial$28.93$28.9312/11/2010 8:11:58 AM
Guerrilla_Man$25.00$25.0012/11/2010 8:36:33 AM
reflective-rupee$200.00$200.0012/10/2010 3:55:06 PM
leverage-trident$25.00$25.0012/11/2010 10:27:18 AM
worthy-bid8$50.00$50.0012/11/2010 2:08:02 AM
bluehen00$25.00$25.0012/11/2010 7:37:01 AM
SolarMoonshine$25.00$25.0012/10/2010 5:42:49 PM
zone6$25.00$25.0012/11/2010 7:56:57 AM
ferocious-camaraderi1$50.00$50.0012/11/2010 8:12:05 AM
thankful-nickel2$25.00$25.0012/11/2010 8:53:30 AM
SFBank$300.00$300.0012/11/2010 8:30:02 PM
selfmademan$25.00$25.0012/11/2010 12:31:07 AM
graceful-investment$25.47$25.4712/11/2010 1:21:37 PM
responsive-rate884$32.03$32.0312/11/2010 6:11:27 PM
new-social-economist$75.00$75.0012/11/2010 10:41:44 PM
minddoc$25.00$6.2212/12/2010 3:17:03 AM
Kash2010lu$50.00$50.0012/11/2010 9:07:46 AM
moneysong$500.00$500.0012/11/2010 11:05:46 AM
jamiee73$25.00$25.0012/11/2010 4:22:08 PM
red-power-pecan$50.00$50.0012/11/2010 5:53:36 PM
bulsa$85.38$85.3812/11/2010 8:33:37 PM
OldManP$25.00$25.0012/12/2010 9:24:49 PM
kendigme$25.00$25.0012/13/2010 3:21:48 AM
BrighterSuns$25.00$25.0012/13/2010 9:38:17 AM
NekHoldings$25.00$25.0012/13/2010 5:12:19 AM
108lender$50.00$50.0012/13/2010 10:26:44 AM
nickel-position$25.00$25.0012/12/2010 5:08:38 PM
CommunityArts_Non-profit$35.00$35.0012/12/2010 10:37:50 PM
cash-tent$35.00$35.0012/13/2010 2:21:01 PM
Brown98$50.00$50.0012/13/2010 8:22:36 PM
kendigme$25.00$25.0012/14/2010 3:00:45 AM
WonByOne$25.00$25.0012/14/2010 12:49:30 AM
Interstate_Rate$100.00$100.0012/10/2010 3:16:35 PM
ASR3$35.00$35.0012/10/2010 3:12:47 PM
nilonc1$200.00$200.0012/10/2010 4:18:42 PM
Redmond$25.00$25.0012/10/2010 3:14:37 PM
handshake5$100.00$100.0012/10/2010 3:14:59 PM
paytonbrigadier$124.88$124.8812/10/2010 3:15:55 PM
engaging-repayment8$50.00$50.0012/10/2010 4:32:20 PM
drcoop$25.00$25.0012/10/2010 3:17:26 PM
secureincome$25.00$25.0012/10/2010 6:31:28 PM
DonaldColorado$50.00$50.0012/10/2010 3:13:08 PM
sgt-schultz$25.00$25.0012/11/2010 3:30:05 AM
Whipster$50.00$50.0012/11/2010 5:55:26 AM
ac787$25.00$25.0012/11/2010 7:45:05 AM
ichibon$25.00$25.0012/11/2010 12:49:05 AM
supreme-hope$25.00$25.0012/11/2010 9:00:50 AM
scrappy-diversification7$1,500.00$1,500.0012/10/2010 3:57:34 PM
treasure-bliss$32.28$32.2812/11/2010 9:37:34 AM
dedicated-diversification5$52.18$52.1812/11/2010 1:53:21 AM
soulful-truth$25.00$25.0012/11/2010 5:56:46 AM
loanman2007$100.00$100.0012/11/2010 6:05:33 AM
the-kindness-honker$25.00$25.0012/11/2010 5:06:27 PM
Bob450$25.00$25.0012/11/2010 5:56:53 PM
gallant-economy9$25.74$25.7412/11/2010 6:36:27 PM
nickel-hickory$50.00$50.0012/10/2010 10:11:45 PM
kind-responsible-affluence$25.00$25.0012/11/2010 1:41:58 PM
bountiful-durability$49.26$49.2612/11/2010 2:03:28 PM
parsec9$25.00$25.0012/11/2010 2:36:45 PM
flanative$100.00$100.0012/11/2010 3:56:36 PM
raisingophelia$25.00$25.0012/11/2010 2:12:26 AM
371millwood$100.00$100.0012/12/2010 12:15:11 PM
fabulous-community4$25.00$25.0012/11/2010 4:36:57 PM
oldmora$28.77$28.7712/11/2010 5:16:28 PM
flexible-income9$31.49$31.4912/11/2010 6:52:11 PM
heerzaquestion$50.00$50.0012/12/2010 2:46:01 PM
benefit-trident$25.00$25.0012/12/2010 3:36:07 PM
wonder3$25.00$25.0012/13/2010 6:40:02 AM
greenback-guard$25.00$25.0012/13/2010 4:43:21 PM
mikeandcat$100.00$100.0012/13/2010 7:30:30 PM
WonByOne$25.00$25.0012/14/2010 12:51:29 AM
91 bids
 
Borrower Payment Dependent Notes Series 472598
This series of Notes was issued and sold upon the funding of the borrower loan #46062, 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-13-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
Final lender yield: 26.00% Final borrower rate/APR: 27.00% / 33.04% Final monthly payment: $40.83
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 19.80%  
Lender servicing fee: 1.00% Estimated return: 6.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1990 Debt/Income ratio: 30%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,454Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: worldview Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2010)
680-699 (Jan-2010)
680-699 (Aug-2009)
680-699 (Aug-2008)
 
Principal balance: $1,467.46 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Just a little help at Christmas
I am about a half a year away from paying off my other Prosper loan. As you can see, I have never missed a payment or been late for 27 payments. I will do the same with this loan.

The money will be used to make some basic payments until I start a second job in Jan. 2011. Those paychecks won't really kick in until Feb. 2011, so I need these funds to carry me over until that time.

I realize the interest is high, but it's what I need to do this month to make it until I get some additional income. You can see that this summer my credit rating was going up-- that was when I also had this additional work that I will be starting in Jan. (It is contract work so it sort of comes and goes). I still have my regular salary and my first job.

Thanks.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
UCLA4life$35.00$25.0012/13/2010 3:22:37 PM
jpaulnyc$50.00$50.0012/13/2010 11:23:08 PM
golffish2$100.00$100.0012/14/2010 4:38:15 AM
investment-artist$25.00$25.0012/14/2010 8:53:47 AM
jpaulnyc$50.00$50.0012/13/2010 11:22:48 PM
red-favorable-basis$25.00$25.0012/13/2010 3:46:50 PM
lendstats_com$300.00$300.0012/13/2010 5:47:15 PM
SolarMoonshine$50.00$50.0012/13/2010 5:45:07 PM
five-star-note$150.00$150.0012/13/2010 6:29:29 PM
jchurchi$25.00$25.0012/14/2010 9:30:12 AM
alexgalt$25.00$25.0012/13/2010 10:58:10 PM
Kennfusion$100.00$100.0012/14/2010 4:27:47 AM
chameleon125$75.00$75.0012/14/2010 7:05:33 AM
13 bids
 
Borrower Payment Dependent Notes Series 480256
This series of Notes was issued and sold upon the funding of the borrower loan #46033, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $212.26
Final lender yield: 23.17% Final borrower rate/APR: 24.17% / 27.65% Final monthly payment: $196.61
 
Auction yield range: 16.51% - 29.00% Estimated loss impact: 19.63%  
Lender servicing fee: 1.00% Estimated return: 3.54%  
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: 15%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,960Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: Joshuas 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: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2009)
620-639 (Aug-2009)
600-619 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off the Cards, Never Late
undefinedundefinedundefined Purpose of loan:
I am going to use this loan to pay off my credit cards and a personal loan that I have. I am hoping to get a single payment that can be paid off with easy structured monthly payments.

Capital one - 1000
Chase - 600
HSBC - 100
CitiBank - 1100
Personal Loan - 2000

My financial situation:
I am a good candidate for this loan because I have a very stable job Managing an IT service desk. I have previously had a prosper loan and made all payments on time never missing a single one. After paying my cards off previously Io was unemployed about a year and a half ago and had to use them to live on.

Monthly net income: $? 2038

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $ 300 Gas $120
??Utilities: $ Included in rent
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 60
??Credit cards and other loans: $ None after this loan, currently about 120
??Other expenses: $ none
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Could you please give further detail regarding the how and why of your unemployment a year and a half ago? - xode
A: I was a contractor for UNISYS for about 2 years. Originally brought in for a 6 month contract it kept getting extended. In February of 2009 they had to cut all contractors due to budget constraints. I left in very good standings with the company and never had any performance concerns. However after being laid off and not finding any contract work for 5 months I decided that Contract work is just not permanent enough. I Started at a company full time about a year and a half ago and was promoted. (Dec-11-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
setUup$75.00$75.0012/8/2010 4:32:35 PM
UCLA4life$25.00$25.0012/8/2010 3:09:40 PM
silvercertificate$25.00$25.0012/10/2010 10:25:07 AM
kendigme$25.00$25.0012/10/2010 3:28:43 AM
mammalian4$50.00$50.0012/10/2010 4:36:08 PM
thankful-nickel2$25.00$25.0012/10/2010 6:11:46 PM
Socorro_Capital_Partners$25.00$25.0012/12/2010 1:39:46 AM
kendigme$25.00$25.0012/11/2010 4:54:23 AM
credit-guard5$25.00$25.0012/11/2010 9:09:00 AM
1stBankAndHal$30.07$30.0712/11/2010 10:17:20 AM
boo_hoo$50.00$50.0012/11/2010 12:07:17 PM
mjerryfirst$400.00$400.0012/12/2010 4:47:16 PM
economy-popcorn$25.00$25.0012/12/2010 11:27:10 AM
credit-missile$25.00$25.0012/13/2010 2:13:46 AM
Green-Baron$25.00$25.0012/12/2010 10:31:47 PM
PXM-Financial$58.00$58.0012/12/2010 10:41:55 PM
kendigme$25.00$25.0012/13/2010 3:20:10 AM
impressive-fund0$29.52$29.5212/12/2010 4:12:09 PM
credit-missile$25.00$25.0012/13/2010 2:13:16 AM
deepblue34$25.00$25.0012/13/2010 6:48:38 PM
ralf206$44.06$44.0612/13/2010 7:10:15 PM
farchoir$25.00$25.0012/13/2010 6:48:46 PM
kendigme$25.00$25.0012/14/2010 2:59:00 AM
minnesotafinancial$25.00$25.0012/14/2010 7:56:56 AM
wlm3012$25.00$25.0012/14/2010 8:01:13 AM
investment-artist$50.00$50.0012/14/2010 7:38:14 AM
matthewa$25.00$25.0012/14/2010 7:57:55 AM
taetrade$25.00$25.0012/14/2010 11:14:22 AM
Brighter_Future$25.00$25.0012/13/2010 7:14:54 PM
Branch95$25.00$25.0012/14/2010 2:43:53 PM
Spinnaker$50.00$50.0012/14/2010 3:55:45 PM
crw1950$25.00$25.0012/14/2010 5:18:29 PM
credit-missile$25.00$25.0012/14/2010 5:46:13 PM
carrinel$50.00$50.0012/14/2010 5:57:41 PM
outdoorduck8$34.77$34.7712/14/2010 9:24:21 PM
independent-transaction$33.66$33.6612/14/2010 7:59:56 PM
kendigme$25.00$25.0012/15/2010 2:29:14 AM
draggon77$25.00$25.0012/15/2010 5:54:00 AM
MrMoneyBags$46.86$46.8612/14/2010 4:48:05 PM
jlr1516$25.00$25.0012/14/2010 11:39:21 PM
rockhound84$25.00$25.0012/15/2010 12:25:30 AM
Moe87$25.00$25.0012/15/2010 3:39:10 AM
gothampark$25.00$25.0012/14/2010 8:05:21 PM
Nasdaq$25.00$25.0012/15/2010 1:04:03 PM
shrewd-income$25.00$25.0012/15/2010 2:22:13 PM
italisvital$25.00$25.0012/15/2010 9:58:05 AM
Astyanax$75.00$75.0012/15/2010 10:12:09 AM
beachliving29$25.00$7.5612/15/2010 2:24:24 PM
catnip007$25.03$25.0312/15/2010 12:50:31 PM
dood2112$25.00$25.0012/15/2010 1:39:14 PM
the-serene-transaction$31.16$31.1612/15/2010 2:15:25 PM
courteous-cash6$200.00$200.0012/15/2010 2:29:03 PM
friendinmoney$35.00$35.0012/15/2010 2:38:04 PM
contract-student2$50.00$50.0012/15/2010 2:44:57 PM
alexgalt$50.00$50.0012/8/2010 3:00:00 PM
good4loan$25.00$25.0012/8/2010 4:45:29 PM
SolarMoonshine$25.00$25.0012/10/2010 4:05:46 AM
red-favorable-basis$25.00$25.0012/10/2010 1:19:46 PM
ZLyons$25.00$25.0012/11/2010 8:21:27 PM
bughead$25.00$25.0012/11/2010 11:00:09 PM
glroark$100.00$100.0012/11/2010 10:14:58 AM
ustfu$25.00$25.0012/11/2010 11:36:52 PM
credit-missile$25.00$25.0012/13/2010 2:12:56 AM
credit-missile$25.00$25.0012/13/2010 2:30:17 AM
credit-missile$25.00$25.0012/13/2010 2:29:52 AM
penny-plato$50.00$50.0012/13/2010 10:26:09 AM
credit-missile$25.00$25.0012/13/2010 2:12:35 AM
dcm6276$25.00$25.0012/13/2010 11:37:23 AM
golffish2$100.00$100.0012/13/2010 9:24:42 AM
_SCI_$25.00$25.0012/13/2010 4:19:50 PM
upbeat-wealth$25.00$25.0012/13/2010 10:35:11 PM
LittleMingo$30.00$30.0012/13/2010 7:01:59 PM
Leshan$150.00$150.0012/14/2010 8:10:00 AM
jchurchi$64.31$64.3112/14/2010 9:27:54 AM
newest-phenomenal-money$25.00$25.0012/14/2010 11:46:32 AM
golffish2$200.00$200.0012/14/2010 4:46:05 AM
jhouman$25.00$25.0012/14/2010 3:17:30 PM
cashhelp$50.00$50.0012/14/2010 3:38:32 PM
benefit-trident$25.00$25.0012/14/2010 4:23:37 PM
britches613$25.00$25.0012/14/2010 5:48:47 PM
worthy-bid4$25.00$25.0012/14/2010 6:13:03 PM
bonus-quark4$25.00$25.0012/14/2010 4:59:36 PM
gizmo65$25.00$25.0012/15/2010 4:05:06 AM
Feyenoord$25.00$25.0012/14/2010 4:46:38 PM
golffish2$200.00$200.0012/15/2010 6:16:19 AM
JerryB96$25.00$25.0012/15/2010 9:32:56 AM
credit-missile$25.00$25.0012/14/2010 5:45:27 PM
LittleMingo$30.00$30.0012/14/2010 6:39:59 PM
gristle_mcthornbody$25.00$25.0012/15/2010 7:27:11 AM
Rip128$25.00$25.0012/15/2010 12:09:11 PM
2grindstones$25.00$25.0012/15/2010 1:35:34 PM
golffish2$100.00$100.0012/15/2010 9:54:07 AM
CA_Lender$25.00$25.0012/15/2010 2:44:48 PM
Lender404$25.00$25.0012/15/2010 12:38:32 PM
ferengi_finance$25.00$25.0012/15/2010 4:33:58 AM
hokee$25.00$25.0012/15/2010 6:22:03 AM
houli123$750.00$750.0012/15/2010 2:34:14 PM
friendinmoney$25.00$25.0012/15/2010 2:44:17 PM
Mikale360$25.00$25.0012/15/2010 6:55:50 AM
Lubava$25.00$25.0012/15/2010 1:47:46 PM
burger283$25.00$25.0012/15/2010 2:13:24 PM
SkinnyFish$25.00$25.0012/15/2010 2:43:39 PM
102 bids
 
Borrower Payment Dependent Notes Series 480882
This series of Notes was issued and sold upon the funding of the borrower loan #46071, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Nov-24-2010 
  Auction end date:  Dec-01-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $242.31
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $242.31
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1997 Debt/Income ratio: 26%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,954Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: eddie337 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Used Car Loan And Take A Class
Purpose of loan:
This loan will be used to purchase a car from a family member for $3,200 and take $3,000 down towards a police academy course at a local school for spring class, like to get into law enforcement eventually if nothing else work for a private security company. it's hard to get a bank loan? I wanted to try my luck on prosper since I heard alot about this site.

My financial situation:
I am a good candidate for this loan because I'm currently employed I make sure to pay off my debts on time, I take great pride in my credit rating, working at autozone I get at least $500 extra each month in cash jobs working as a mechanic on customers cars.? which doesn't show up in my yearly income ratio.? its good to work hard staying busy and see what someone can achieve in life.?

Monthly net income: $1600

Monthly expenses: $ 150
??Housing: $ 0 live with my parents the house is paid off in full
??Insurance: $ 115 for 6 months of auto insurance
??Car expenses: $ 60 in gas per month I live close to work 2 miles away.
??Utilities: $0
??Phone, cable, internet: $ 125 per month
??Food, entertainment: $ 150 per month on food
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150 per month
??Other expenses: $0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
proper-commitment5$25.00$25.0011/24/2010 2:18:51 PM
nickel-ferret$50.00$50.0011/24/2010 2:19:01 PM
hopeful-truth5$100.00$100.0011/24/2010 2:21:10 PM
tech310$50.00$50.0011/24/2010 2:18:47 PM
dunox$25.00$25.0011/24/2010 2:20:17 PM
platinum-celebration4$25.00$25.0011/24/2010 2:21:22 PM
AFairDeal$50.00$50.0011/24/2010 2:21:31 PM
money-bauble$100.00$100.0011/24/2010 2:29:27 PM
finance-prescription$100.00$100.0011/24/2010 2:30:15 PM
ray1051$50.00$50.0011/24/2010 2:21:20 PM
investment-comet$25.00$25.0011/24/2010 2:21:54 PM
ichibon$150.00$150.0011/24/2010 2:29:17 PM
raisingophelia$25.00$25.0011/24/2010 2:30:02 PM
reflective-rupee$100.00$100.0011/24/2010 2:33:30 PM
MedLend$34.12$34.1211/25/2010 1:36:41 AM
Heatguy$40.00$40.0011/25/2010 8:43:43 AM
JustMee$25.00$25.0011/25/2010 8:23:13 AM
hitsman$100.00$100.0011/25/2010 3:53:27 PM
RandyL3$25.00$25.0011/25/2010 3:57:52 PM
objective-investor$150.00$150.0011/25/2010 2:43:49 PM
Mariner3605$100.00$100.0011/26/2010 1:50:26 AM
handshake5$44.56$44.5611/25/2010 3:53:42 PM
maldok1$25.00$25.0011/25/2010 3:51:41 PM
graceful-investment$100.00$100.0011/26/2010 8:04:29 AM
AlexTrep$25.00$25.0011/26/2010 7:23:06 AM
bold-durability-drum$50.00$50.0011/26/2010 8:03:49 AM
jasonrun$25.00$25.0011/26/2010 9:05:55 AM
zebra806$50.00$50.0011/26/2010 8:30:26 AM
kaleinoue$25.00$25.0011/26/2010 10:08:16 AM
BrLender$50.00$50.0011/26/2010 9:35:44 AM
j2ee$25.00$25.0011/26/2010 10:41:16 AM
rautility$25.00$25.0011/26/2010 11:13:39 AM
LiveNow$25.00$25.0011/26/2010 12:42:32 PM
kc8fot$50.00$50.0011/26/2010 1:12:09 PM
trumpeter7$50.00$50.0011/26/2010 2:47:34 PM
del30$25.00$25.0011/26/2010 5:14:42 PM
trade-boots1$100.00$100.0011/26/2010 5:28:25 PM
MrBailey$25.00$25.0011/26/2010 6:34:07 PM
peace-maximizer8$25.00$25.0011/26/2010 7:13:47 PM
JoeXB$25.00$25.0011/26/2010 6:35:22 PM
the-profit-oracle$25.00$25.0011/27/2010 1:22:15 AM
dedicated-bid1$25.00$25.0011/27/2010 6:02:38 AM
coin-investor$25.00$25.0011/27/2010 6:09:56 AM
wayman$50.00$50.0011/27/2010 10:58:21 AM
bonafide-cash$50.00$50.0011/27/2010 3:53:14 PM
credit-bliss8$25.00$25.0011/27/2010 4:02:48 PM
ujiba$50.00$50.0011/27/2010 8:35:47 PM
the-enterprising-leverage$25.00$25.0011/27/2010 11:14:45 PM
PRGuyinVA$50.00$50.0011/27/2010 9:25:45 PM
commerce-yeller$50.00$50.0011/28/2010 11:33:10 AM
bowl800$25.00$25.0011/28/2010 6:12:35 PM
finance-mushroom$100.00$100.0011/28/2010 1:38:44 PM
vigorous-velocity$100.00$100.0011/28/2010 1:42:06 PM
gain-gourd$100.00$100.0011/28/2010 8:35:43 PM
the-silver-blaster$50.00$50.0011/28/2010 3:27:09 PM
Bullish$25.00$25.0011/28/2010 7:37:41 PM
efficient-treasure0$25.00$25.0011/29/2010 6:28:41 AM
Hola_James$27.64$27.6411/29/2010 8:16:33 AM
myduck$30.00$30.0011/29/2010 7:20:55 PM
Photoman42$25.00$25.0011/29/2010 10:25:00 PM
Hartfelt$30.00$30.0011/30/2010 6:30:30 AM
kwan$30.00$30.0011/30/2010 12:28:23 PM
silvox$60.00$60.0011/30/2010 1:32:06 PM
soulful-money6$25.00$25.0011/30/2010 2:58:43 PM
inforapenny$50.00$50.0011/30/2010 3:00:11 PM
Milonguero$100.00$100.0011/30/2010 8:14:55 PM
honsbedh$25.00$25.0011/30/2010 8:19:21 PM
pointA2pointB$25.00$25.0011/30/2010 9:45:02 PM
taylodo$27.00$27.0011/30/2010 10:51:48 PM
worth-victor6$25.00$25.0011/30/2010 10:57:58 PM
LesPaul1$25.00$25.0012/1/2010 2:45:53 AM
colorfulgardener$25.00$25.0012/1/2010 3:48:29 AM
KrauseVentures$25.00$25.0011/30/2010 10:57:53 PM
leverage-monger$25.00$25.0012/1/2010 7:48:16 AM
merciful-yield$35.59$35.5912/1/2010 8:56:16 AM
coolgenner$25.00$25.0012/1/2010 4:48:23 AM
honey-money$25.00$25.0012/1/2010 7:21:46 AM
astute-investment5$25.00$25.0012/1/2010 8:04:31 AM
market-pudding$25.00$25.0012/1/2010 12:17:45 PM
BankLV$25.00$25.0012/1/2010 2:13:26 PM
agent86a$25.00$25.0012/1/2010 2:09:23 PM
exact-peso2$25.00$25.0012/1/2010 12:33:26 PM
ASR3$25.00$25.0011/24/2010 2:21:24 PM
simplelender80$100.00$100.0011/24/2010 2:18:53 PM
enthralling-deal180$50.00$50.0011/24/2010 2:18:55 PM
Ripsaw4U$50.00$50.0011/24/2010 2:18:58 PM
kulender$50.00$50.0011/24/2010 2:19:51 PM
indomitable-coin$50.00$50.0011/24/2010 2:21:12 PM
finance_mba$25.00$25.0011/24/2010 2:21:15 PM
worthy-bid8$50.00$50.0011/24/2010 2:29:29 PM
jazzlender$25.00$25.0011/24/2010 2:17:48 PM
understanding-affluence5$30.00$30.0011/24/2010 2:27:56 PM
skuba$25.00$25.0011/24/2010 2:21:35 PM
melodious-fairness$50.00$50.0011/24/2010 2:21:50 PM
careful-note$100.00$100.0011/24/2010 2:29:07 PM
bazaar-festivity$25.00$25.0011/24/2010 2:30:40 PM
bid-czar8$50.00$50.0011/24/2010 4:14:24 PM
DonTraveler99$25.00$25.0011/24/2010 5:01:53 PM
Webpreneur$50.00$50.0011/25/2010 2:26:17 AM
organized-payment6$25.00$25.0011/25/2010 2:41:00 PM
reward-motion$25.00$25.0011/25/2010 2:45:11 PM
kchen486$50.00$50.0011/25/2010 2:46:31 PM
stuy1998$30.00$30.0011/25/2010 5:54:57 PM
billyisafob$50.00$50.0011/26/2010 12:44:55 AM
Approved1234$50.00$50.0011/26/2010 6:28:51 AM
DeepThinker$25.00$25.0011/26/2010 5:48:58 AM
loyalist1$100.00$100.0011/26/2010 7:58:45 AM
radforj22$25.00$25.0011/26/2010 6:29:10 AM
greenback-guard$25.00$25.0011/26/2010 9:09:58 AM
cablenews$50.00$50.0011/26/2010 8:53:18 AM
nybanker85$50.00$50.0011/26/2010 8:54:04 AM
income-vault6$25.00$25.0011/26/2010 9:36:20 AM
sunshinysmiles$25.00$25.0011/26/2010 10:27:49 AM
calcloud$50.00$50.0011/26/2010 12:35:32 PM
karafire$50.00$50.0011/26/2010 11:54:15 AM
capital-commando$50.00$50.0011/26/2010 12:23:37 PM
yield-enlistment$25.00$25.0011/26/2010 4:20:23 PM
mlpinz$100.00$100.0011/26/2010 6:08:56 PM
first-serene-credit$25.00$25.0011/26/2010 5:23:01 PM
squarebob$25.00$25.0011/26/2010 7:49:11 PM
squarebob$25.00$25.0011/26/2010 7:49:36 PM
dinero-fighter$50.00$50.0011/26/2010 9:57:53 PM
community-seahorse0$25.00$25.0011/27/2010 9:27:45 AM
momentous-payment5$100.00$100.0011/27/2010 10:03:28 AM
Moneypenny6$25.00$25.0011/27/2010 7:53:30 PM
stolirocks01$30.92$30.9211/27/2010 5:47:56 PM
invest-in-ed$150.00$150.0011/27/2010 7:07:35 PM
riproaringrapids$25.00$25.0011/27/2010 8:35:37 PM
tsui517$25.00$25.0011/28/2010 1:08:09 AM
rudyindc$25.00$25.0011/28/2010 7:08:14 AM
Headhunter14$25.00$25.0011/28/2010 5:23:41 AM
sammyhammy$25.00$25.0011/28/2010 7:38:05 AM
inspiring-reward$26.68$26.6811/29/2010 5:19:12 AM
108lender$25.00$8.9211/29/2010 7:13:19 AM
careful-money2$30.00$30.0011/29/2010 6:20:58 AM
Sol_Invictus$25.00$25.0011/29/2010 12:04:21 PM
special-rupee$35.00$35.0011/30/2010 10:51:32 AM
investment-cluster$25.00$25.0011/30/2010 5:03:46 PM
D-N-A_Investments$25.00$25.0011/30/2010 5:55:09 PM
engaging-worth$25.00$25.0011/30/2010 5:33:21 PM
gilbrear$25.00$25.0011/30/2010 6:16:22 PM
finance-burger$35.00$35.0011/30/2010 11:55:57 PM
PropertyInvest$25.00$25.0011/30/2010 4:25:50 PM
prohelper$28.92$28.9212/1/2010 2:00:44 AM
Newdad6$75.00$75.0011/30/2010 6:20:30 PM
mammalian4$25.00$25.0012/1/2010 3:13:58 AM
auction-seeker$25.00$25.0011/30/2010 8:10:17 PM
pinballwizard$25.00$25.0012/1/2010 3:39:06 AM
Ambassador$34.00$34.0012/1/2010 4:45:04 AM
trustworthy-finance6$100.00$100.0012/1/2010 7:32:36 AM
BuzzyBee336$25.00$25.0012/1/2010 8:00:46 AM
sjvicker$25.00$25.0012/1/2010 8:29:52 AM
c-gurista-5$25.00$25.0012/1/2010 8:46:28 AM
durability-high-five$25.00$25.0012/1/2010 8:57:44 AM
gunderstone$151.65$151.6512/1/2010 3:25:30 AM
godspeed237$25.00$25.0012/1/2010 7:15:41 AM
Richmp412$25.00$25.0012/1/2010 7:19:51 AM
bonus-quark4$25.00$25.0012/1/2010 7:26:52 AM
bondhedger$25.00$25.0012/1/2010 11:23:17 AM
pythia$25.00$25.0012/1/2010 11:44:39 AM
crw1950$50.00$50.0012/1/2010 1:45:37 PM
fund-javelin1$25.00$25.0012/1/2010 9:50:24 AM
roswellandy$25.00$25.0012/1/2010 11:08:40 AM
revenue-sapling$25.00$25.0012/1/2010 1:25:51 PM
164 bids
 
Borrower Payment Dependent Notes Series 484138
This series of Notes was issued and sold upon the funding of the borrower loan #46027, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Nov-26-2010 
  Auction end date:  Dec-02-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $283.83
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $283.83
 
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: Feb-2002 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: 11 / 4Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,744Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: intuitive-loan 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
Consolidate credit card debt
I am seeking huge help to consolidate my high interest credit card debt.

My debt on credit cards added up because of starting own business. To increase revenue I even took a second job.

I am a very hard worker, work 6 - 7 days a week, honest and trying my very best to build better career and future.

My monthly income is approx. $4,000/mo. and expenses are...


Rent????????????????????? $ 600
Utilities???????????????? $?? 25
Cable ? ? ? ? ? ? ? ? ?? $ ? 40
Metro Card ? ? ? ? ? $ ? 90
Food and misc.??? $ 500
Business related $ 800
=====================
Total:??????????????????? $2,055

I am trying to pay off as much as and as early as I can so I can put myself in good position financially and mentally.

Any help would be greatly appreciated. Thank you for your consideration.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
graceful-investment$100.00$100.0011/26/2010 12:50:08 PM
ASR3$25.00$25.0011/26/2010 12:58:36 PM
kulender$50.00$50.0011/26/2010 12:59:02 PM
Mariner3605$50.00$50.0011/26/2010 1:02:56 PM
AlexTrep$25.00$25.0011/26/2010 1:03:17 PM
DonaldColorado$50.00$50.0011/26/2010 1:04:20 PM
paytonbrigadier$200.00$200.0011/26/2010 1:05:03 PM
bid-czar8$100.00$100.0011/26/2010 2:52:59 PM
tech310$50.00$50.0011/26/2010 3:51:26 PM
squarebob$25.00$25.0011/26/2010 7:25:00 PM
bulsa$100.00$100.0011/26/2010 8:45:32 PM
diplomatic-wealth7$25.00$25.0011/27/2010 12:14:58 PM
nybanker85$25.00$25.0011/27/2010 11:09:02 AM
CreativeIdeas$25.00$25.0011/29/2010 9:38:04 AM
money-bauble$100.00$100.0011/29/2010 8:43:02 AM
DadWarbucks$50.00$50.0011/29/2010 11:44:06 AM
Bookophile$50.00$50.0011/29/2010 11:26:10 AM
nickel-hickory$25.00$25.0011/29/2010 3:40:53 PM
dedicated-transaction796$50.00$50.0011/29/2010 6:38:42 PM
astute-investment5$25.00$25.0011/30/2010 9:33:51 AM
Comoparklender$25.00$25.0011/30/2010 11:59:30 AM
Whipster$25.00$25.0011/30/2010 1:45:04 PM
wonder3$25.00$25.0012/1/2010 6:06:37 AM
flexible-income9$150.00$150.0012/1/2010 9:35:03 AM
dcap3$25.00$25.0012/1/2010 5:44:02 AM
AF-Chief$35.00$35.0012/1/2010 11:06:57 AM
treasure-bliss$50.00$50.0012/1/2010 11:35:26 AM
jwm$25.00$25.0012/1/2010 11:58:00 AM
consummate-loyalty1$25.81$25.8112/1/2010 1:33:00 PM
spark548$25.00$25.0012/1/2010 1:59:53 PM
bazaar-secret-agent6$35.99$35.9912/1/2010 2:03:06 PM
exchange-pledge$25.00$25.0012/1/2010 2:49:08 PM
ivadood$50.00$50.0012/1/2010 2:54:04 PM
Anny-Disco$25.00$25.0012/1/2010 2:50:12 PM
shrewd-peace7$25.00$25.0012/1/2010 2:54:52 PM
kegs$71.43$71.4312/1/2010 2:55:22 PM
Forlio$50.00$50.0012/1/2010 2:55:58 PM
cognizant-rate732$25.00$25.0012/1/2010 2:56:11 PM
saffron4$25.00$25.0012/1/2010 2:56:21 PM
Miklot$50.00$50.0012/1/2010 2:56:35 PM
gotyourgear$25.00$25.0012/1/2010 2:52:23 PM
studious-peso$25.00$25.0012/1/2010 2:52:31 PM
scottharr27$28.04$28.0412/1/2010 2:58:07 PM
reward-motion$25.00$25.0012/1/2010 2:58:49 PM
108lender$31.11$31.1112/1/2010 11:34:32 AM
larrybird$150.00$150.0012/1/2010 2:55:19 PM
abundant-credit6$25.00$25.0012/1/2010 2:55:28 PM
dollar-sonnet3$25.00$25.0012/1/2010 2:56:02 PM
profit-powerplant$25.00$25.0012/1/2010 2:56:13 PM
NoMoreDebt4Me$25.00$25.0012/1/2010 2:56:59 PM
newgroom422$25.00$25.0012/1/2010 3:00:26 PM
nodrivelpls$25.00$25.0012/1/2010 2:58:00 PM
handshake5$100.00$100.0012/1/2010 3:06:12 PM
DER$30.00$30.0012/1/2010 12:54:29 PM
the-upbeat-p2p$50.00$50.0012/1/2010 3:22:41 PM
swoosh$25.00$25.0012/1/2010 3:22:53 PM
macgeek$25.00$25.0012/1/2010 2:46:27 PM
derfen$25.00$25.0012/1/2010 2:46:40 PM
IIP77$25.00$25.0012/1/2010 2:52:13 PM
shur$25.00$25.0012/1/2010 2:53:08 PM
velocity-motivator6$25.00$25.0012/1/2010 2:56:00 PM
MadHun$50.00$50.0012/1/2010 2:56:18 PM
aldeed$100.00$100.0012/1/2010 2:56:22 PM
NoCal$25.00$25.0012/1/2010 2:56:31 PM
jlr613$50.00$50.0012/1/2010 2:56:41 PM
GInBaghdad$25.00$25.0012/1/2010 2:57:00 PM
ommcd$25.00$25.0012/1/2010 2:57:42 PM
jamiee73$25.00$25.0012/1/2010 4:59:11 PM
economy-synapse$25.00$25.0012/1/2010 7:05:29 PM
CoffeyvilleKS$25.00$2.6012/1/2010 5:28:01 PM
bluehen00$25.00$25.0012/1/2010 6:00:22 PM
debt-legend$25.00$25.0012/2/2010 8:53:32 AM
RyanM561$25.00$25.0012/1/2010 11:00:17 PM
kendigme$37.67$37.6712/2/2010 4:10:15 AM
greenback-guard$25.00$25.0011/26/2010 1:03:58 PM
raisingophelia$25.00$25.0011/26/2010 12:58:46 PM
jazzlender$25.00$25.0011/26/2010 1:03:40 PM
trade-boots1$100.00$100.0011/26/2010 5:29:09 PM
soulful-truth$50.00$50.0011/26/2010 6:13:15 PM
alexgalt$50.00$50.0011/26/2010 7:26:36 PM
Artist_Blue$25.00$25.0011/26/2010 8:22:59 PM
Share_The_Wealth$50.00$50.0011/27/2010 11:49:32 AM
velocity-solo$25.00$25.0011/28/2010 3:03:19 PM
simplelender80$100.00$100.0011/28/2010 1:42:25 PM
bountiful-durability$100.00$100.0011/29/2010 5:19:30 AM
investment-comet$25.00$25.0011/29/2010 7:13:32 AM
LiveNow$25.00$25.0011/29/2010 12:40:47 PM
gain-gourd$100.00$100.0011/29/2010 12:40:13 PM
brother_tam$50.00$50.0011/29/2010 2:45:00 PM
zebra806$100.00$100.0011/30/2010 11:59:17 AM
finance-prescription$50.00$50.0011/30/2010 2:46:13 PM
competent-p2p$35.00$35.0011/30/2010 2:46:44 PM
kind-adventurous-finance$50.00$50.0011/30/2010 3:43:07 PM
finagler$25.00$25.0011/30/2010 5:57:51 PM
balanced-dime7$25.00$25.0012/1/2010 9:34:53 AM
ichibon$25.00$25.0012/1/2010 9:59:23 AM
worthy-bid8$50.00$50.0012/1/2010 10:42:53 AM
ThatDanGuy$100.00$100.0012/1/2010 7:33:13 AM
inspiring-reward$150.00$150.0012/1/2010 11:57:59 AM
admirable-basis1$25.00$25.0012/1/2010 11:58:01 AM
Sateesh$30.00$30.0012/1/2010 1:44:52 PM
the-silver-blaster$50.00$50.0012/1/2010 1:59:58 PM
gotjack$25.00$25.0012/1/2010 1:57:04 PM
cablenews$25.00$25.0012/1/2010 2:03:09 PM
rmachi$25.00$25.0012/1/2010 2:03:03 PM
yomanie$25.00$25.0012/1/2010 2:22:21 PM
fortytwo$50.00$50.0012/1/2010 2:14:37 PM
env$25.00$25.0012/1/2010 2:22:28 PM
NiceNate$25.00$25.0012/1/2010 2:49:13 PM
MissionMicroFinance$25.00$25.0012/1/2010 2:46:00 PM
Dreams4Cash$25.00$25.0012/1/2010 2:46:31 PM
flwah$25.00$25.0012/1/2010 2:52:49 PM
gallant-economy9$50.00$50.0012/1/2010 2:54:11 PM
FeedTheMachine$35.97$35.9712/1/2010 11:06:53 AM
wampum-chorus3$25.00$25.0012/1/2010 2:55:13 PM
kind-efficient-credit$25.00$25.0012/1/2010 2:55:42 PM
payment-gusto$25.00$25.0012/1/2010 2:56:08 PM
cospilot$25.00$25.0012/1/2010 2:56:19 PM
calinno2$27.03$27.0312/1/2010 2:56:37 PM
MedLend$50.00$50.0012/1/2010 2:53:28 PM
mtquan$25.00$25.0012/1/2010 2:58:08 PM
DeutscheBank$25.00$25.0012/1/2010 2:58:33 PM
panegryst$50.00$50.0012/1/2010 2:55:31 PM
supersarah61$25.00$25.0012/1/2010 2:56:01 PM
reflective-cash0$50.00$50.0012/1/2010 2:56:04 PM
PrivateLoaner$50.00$50.0012/1/2010 11:48:02 AM
WalnutCreekguy$50.00$50.0012/1/2010 2:56:10 PM
MONEYMATCH$25.00$25.0012/1/2010 12:38:03 PM
social-conductor4$25.00$25.0012/1/2010 3:07:02 PM
dough-destiny$25.00$25.0012/1/2010 3:22:48 PM
Redmond$25.00$25.0012/1/2010 2:02:03 PM
finance-mushroom$32.52$32.5212/1/2010 2:03:51 PM
green-capital-hornet$25.00$25.0012/1/2010 2:46:24 PM
visionary-currency$50.00$50.0012/1/2010 2:53:16 PM
visionary-asset5$50.00$50.0012/1/2010 2:55:08 PM
banker65010$25.00$25.0012/1/2010 2:55:32 PM
jlofgren$25.00$25.0012/1/2010 2:55:53 PM
S-Master$50.00$50.0012/1/2010 2:56:30 PM
xzec777$25.00$25.0012/1/2010 2:56:32 PM
stock106$25.00$25.0012/1/2010 2:56:45 PM
brazilofmux$26.83$26.8312/1/2010 2:57:27 PM
escharfer$25.00$25.0012/1/2010 2:57:58 PM
ah-long$25.00$25.0012/1/2010 2:58:51 PM
Learning2Lend$50.00$50.0012/1/2010 3:00:25 PM
melodious-openness$100.00$100.0012/1/2010 5:07:19 PM
SolarMoonshine$25.00$25.0012/1/2010 5:31:35 PM
Bob450$25.00$25.0012/1/2010 6:47:30 PM
EretzCapital$40.00$40.0012/1/2010 3:54:09 PM
IntrepidInvestment$50.00$50.0012/1/2010 4:45:50 PM
honey-money$25.00$25.0012/1/2010 6:05:53 PM
simeonthewhale$25.00$25.0012/2/2010 5:46:31 AM
loan-kung-fu$200.00$200.0012/1/2010 7:57:52 PM
billybragg$25.00$25.0012/1/2010 9:51:33 PM
153 bids
 
Borrower Payment Dependent Notes Series 486496
This series of Notes was issued and sold upon the funding of the borrower loan #46047, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-03-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 32.76% Starting monthly payment: $49.47
Final lender yield: 15.38% Final borrower rate/APR: 16.38% / 21.05% Final monthly payment: $42.41
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.15%  
Lender servicing fee: 1.00% Estimated return: 5.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1978 Debt/Income ratio: 11%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:32y 5m
Amount delinquent: $0 Total credit lines: 36 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,275Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: bazaar-inspector Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 26 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,700.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
680-699 (Sep-2008)
 
Principal balance: $5,648.68 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Christmas and misc.
Purpose of loan:
This loan will be used for Christmas and other misc. (hot water heater etc.)

My financial situation:
I am a good candidate for this loan because? I have been employed by the same company for 21 years and I have had 2 loans with prosper, always made pmts on time.

Monthly net income: $
$5500
Monthly expenses: $
??Housing:?$1600????
??Insurance: $ 125
??Car expenses: $ 550
??Utilities: $ 300
??Phone, cable, internet: $ 70
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What was the reason for the public record in the last 10 years? (i.e. a bankruptcy? or foreclosure?) What are your plans to assure you can afford the repayment on this loan? - ZPBSFinancialGroup
A: Thank you for your question. Yes I had a bankruptcy in 2001 due to a divorce. Since that time I have never been late with a payment to any company. My pay raises at the fortune 50 company I work for has been frozen the past 2 years. These begin again on January 1 and I am due a raise March 1. I will pay this loan back 100% and I also use the automatic withdrawal on the prosper loans. (Dec-03-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MoneyForNothing$28.65$28.6512/3/2010 9:33:34 PM
chameleon125$100.00$100.0012/8/2010 6:38:30 AM
atomantic$100.00$100.0012/8/2010 8:37:51 AM
enthusiastic-balance5$100.00$100.0012/8/2010 3:29:10 PM
Leshan$75.00$75.0012/9/2010 9:28:13 AM
dpries123$25.00$25.0012/9/2010 1:14:02 PM
favorite-commerce$50.00$50.0012/10/2010 6:58:39 AM
jlathem$25.00$25.0012/9/2010 6:54:37 PM
wild-orange$50.00$50.0012/10/2010 12:45:50 PM
ronin4sale$25.00$25.0012/10/2010 6:44:55 AM
Nazbuster$55.00$55.0012/10/2010 1:12:52 PM
head$25.00$25.0012/5/2010 9:45:54 AM
precious-coin3$25.00$25.0012/5/2010 7:28:37 PM
Reliance_Banker$25.00$25.0012/7/2010 1:53:18 AM
grammaspurse$25.00$25.0012/7/2010 6:24:29 PM
lender12345$25.00$25.0012/7/2010 8:13:01 PM
wlm3012$25.00$25.0012/9/2010 8:06:22 AM
seadogs$25.00$25.0012/9/2010 10:56:16 AM
attractive-rate$35.00$35.0012/9/2010 3:13:37 AM
LittleMingo$32.50$32.5012/9/2010 10:01:18 AM
mex_invests$25.00$25.0012/9/2010 4:49:04 PM
outofoffice$49.86$49.8612/10/2010 7:14:55 AM
motivator72$25.00$25.0012/10/2010 4:32:08 AM
r1w$25.00$25.0012/10/2010 8:22:11 AM
blue-useful-auction$25.00$21.8612/10/2010 1:58:53 PM
Astyanax$45.00$45.0012/10/2010 2:02:47 PM
investment-artist$50.00$50.0012/10/2010 7:15:51 AM
LittleMingo$29.01$29.0112/10/2010 9:47:00 AM
jonnysixgun$28.12$28.1212/10/2010 11:35:34 AM
Soulphoniks-Holdings$25.00$25.0012/10/2010 12:29:40 PM
30 bids
 
Borrower Payment Dependent Notes Series 486582
This series of Notes was issued and sold upon the funding of the borrower loan #45941, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25% Auction start date:  Dec-03-2010 
  Auction end date:  Dec-10-2010 
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 11.60% Starting monthly payment: $160.16
Final lender yield: 8.24% Final borrower rate/APR: 9.24% / 11.34% Final monthly payment: $159.56
 
Auction yield range: 3.57% - 8.50% Estimated loss impact: 3.27%  
Lender servicing fee: 1.00% Estimated return: 4.97%  
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): 9 First credit line: Oct-1988 Debt/Income ratio: 11%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,724Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: robrhe Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2008)
 
Principal balance: $405.32 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Paying federal taxes to IRS
Purpose of loan:
This loan will be used to pay federal tax debt?from previous self employment.

My financial situation:
I am a good candidate for this loan because I?have great repayment history and am fortunate to be gainfully employed.
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)
tolerant-dinero2$25.00$25.0012/3/2010 2:19:23 PM
selector568$500.00$500.0012/3/2010 2:11:31 PM
don'twannadance$50.00$50.0012/5/2010 3:20:16 PM
chameleon125$50.00$50.0012/4/2010 10:01:20 PM
don'twannadance$50.00$50.0012/5/2010 3:20:41 PM
Mav26$50.00$50.0012/6/2010 7:26:08 PM
RandyL3$25.00$25.0012/7/2010 4:22:38 AM
Aberdeen$999.99$999.9912/7/2010 12:11:42 PM
singletrck$25.00$25.0012/8/2010 8:08:49 AM
lender12345$25.00$25.0012/7/2010 8:15:07 PM
peb44$25.00$25.0012/9/2010 6:54:29 AM
jlathem$25.00$25.0012/8/2010 5:21:50 PM
T-Bizzone$25.00$25.0012/9/2010 3:57:26 PM
Ritty$50.00$50.0012/9/2010 8:26:14 PM
socal-lender$25.00$25.0012/9/2010 10:01:53 PM
Feyenoord$25.00$25.0012/9/2010 5:35:52 PM
voyage554$25.00$1.2812/10/2010 1:56:36 PM
ProjectVenture$100.00$100.0012/10/2010 1:59:06 PM
payout-reaction740$25.00$25.0012/9/2010 10:26:00 PM
rutzebach$46.38$46.3812/10/2010 11:34:42 AM
n036939$25.00$25.0012/10/2010 10:37:28 AM
Aberdeen$2,000.00$2,000.0012/10/2010 11:37:32 AM
ptclender$100.00$100.0012/10/2010 1:55:40 PM
turbospeed$25.00$25.0012/3/2010 2:27:34 PM
investment-artist$50.00$50.0012/6/2010 10:09:40 AM
JerryB96$25.00$25.0012/7/2010 6:37:42 AM
thankful-nickel2$25.00$25.0012/7/2010 5:17:25 PM
enthusiastic-balance5$200.00$200.0012/8/2010 3:31:40 PM
LawyerLoan$25.00$25.0012/8/2010 3:28:08 PM
dpries123$25.00$25.0012/9/2010 1:15:14 PM
4Horseman$50.00$50.0012/9/2010 4:40:15 PM
Cherrypicker$50.00$50.0012/9/2010 3:16:51 PM
the-kindness-honker$25.00$25.0012/9/2010 10:11:01 PM
csandb$25.00$25.0012/9/2010 10:18:02 PM
iidowntoearthii$27.29$27.2912/10/2010 9:55:28 AM
BipedalHominid$30.00$30.0012/10/2010 12:06:01 PM
CA_Lender$25.00$25.0012/10/2010 1:35:02 PM
BritDad$45.06$45.0612/9/2010 10:25:46 PM
RainMakers$25.00$25.0012/10/2010 1:19:46 PM
competent-p2p$50.00$50.0012/10/2010 1:46:59 PM
40 bids
 
Borrower Payment Dependent Notes Series 486786
This series of Notes was issued and sold upon the funding of the borrower loan #45944, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-06-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 35.64% Final monthly payment: $42.18
 
Auction yield range: 10.57% - 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: Apr-1994 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 4 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $995Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: preeminant-compassion Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
bountiful-durability$100.00$100.0012/6/2010 3:46:33 PM
integrity-liberator$50.00$50.0012/6/2010 4:00:26 PM
rockstar78$25.00$25.0012/6/2010 4:01:03 PM
Tikibarman$100.00$41.9012/6/2010 4:04:37 PM
whartonmba$25.00$25.0012/6/2010 3:50:56 PM
108lender$150.00$150.0012/6/2010 3:58:40 PM
fair-peace7$25.00$25.0012/6/2010 3:48:33 PM
Rdodson11$25.00$25.0012/6/2010 3:49:10 PM
IPG1$25.00$25.0012/6/2010 4:19:26 PM
finance-prescription$100.00$100.0012/6/2010 4:43:50 PM
Aragorn$25.00$25.0012/6/2010 3:57:24 PM
SolarMoonshine$25.00$25.0012/6/2010 5:30:57 PM
famous-bill$25.00$25.0012/6/2010 3:48:18 PM
credit-investor5$25.00$25.0012/6/2010 3:54:11 PM
visionary-currency$50.00$50.0012/6/2010 3:52:29 PM
SDNLR$50.00$50.0012/6/2010 3:55:28 PM
Mrgiggleswic$25.00$25.0012/6/2010 4:03:15 PM
raisingophelia$25.00$25.0012/6/2010 3:46:45 PM
graceful-investment$33.10$33.1012/6/2010 4:02:28 PM
transaction-circuit$50.00$50.0012/6/2010 4:40:31 PM
simplelender80$100.00$100.0012/6/2010 4:43:15 PM
21 bids
 
Borrower Payment Dependent Notes Series 487118
This series of Notes was issued and sold upon the funding of the borrower loan #46021, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 60 months Estimated loss: 1.30% Auction start date:  Dec-07-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 9.65% Starting borrower rate/APR: 10.65% / 10.87% Starting monthly payment: $539.21
Final lender yield: 9.00% Final borrower rate/APR: 10.00% / 10.22% Final monthly payment: $531.18
 
Auction yield range: 3.00% - 9.65% Estimated loss impact: 1.31%  
Lender servicing fee: 1.00% Estimated return: 7.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-2004 Debt/Income ratio: 16%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,828Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: isha206 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 800-819 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2009)
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Consolidating CC debt and Auto Loan
This is my second loan with prosper. With my last loan I had paid off most of my student loans and some credit card debt.I am a home owner,?and working as a full time Physician in Major Teaching Hospital for?four years.?

We have never missed or been late with mortgage or any other payments .Four of my credit cards with remaining balance have high interest rates (Discover: $6500 at 14%, BOA: $4000 at 18%, Citi: $4500 at 29.99%, AMEX: $4000 at 17%) and?auto loan $6,000 at?9.6%?. As you can see that my credit scores are better now and?I would like to consoidate those payments with this prosper loan with?low intrest?rates.??

Monthly Joint Income: $10500 (after taxes)
Mortgage, Taxes, Insurance: $3000
Car Payments, Insurance: $700
Utilities: $800 (phone, electric and others)
Child Care: $1200
Household expenses: $2000
Credit Card payments: $1300
Personal Savings: $500
Child Savings: $800-$1000
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Aberdeen$999.99$999.9912/7/2010 4:14:04 PM
labate$84.36$84.3612/7/2010 6:33:56 PM
Tech-Entrepreneur$25.00$25.0012/7/2010 3:18:08 PM
reflective-rupee$100.00$100.0012/7/2010 4:08:05 PM
skidoo99$50.00$50.0012/7/2010 3:30:45 PM
power-comet4$25.00$25.0012/7/2010 3:48:26 PM
first-serene-credit$25.00$25.0012/8/2010 1:35:29 PM
anyoi$25.05$25.0512/8/2010 12:26:34 AM
chibear34$25.00$25.0012/8/2010 4:28:22 AM
chameleon125$50.00$50.0012/8/2010 6:31:27 AM
thankful-nickel2$25.00$25.0012/8/2010 7:52:47 PM
The-Lighthouse-Group$25.00$25.0012/9/2010 6:36:20 AM
Statman01$50.00$50.0012/8/2010 9:55:21 PM
Edge-City$25.00$25.0012/8/2010 4:44:11 PM
Bank_Of_XL$25.00$25.0012/8/2010 7:46:03 PM
ac787$25.00$25.0012/9/2010 5:38:41 PM
value-investor9$50.00$50.0012/10/2010 2:19:11 PM
mrpowers5531$50.00$50.0012/10/2010 6:37:18 PM
minista$25.00$25.0012/10/2010 3:42:40 PM
credit-observatory$25.00$25.0012/11/2010 1:07:24 PM
ingeborg77$50.00$50.0012/11/2010 10:04:18 AM
BankofBeth$25.00$25.0012/11/2010 10:22:17 PM
ingeborg77$50.00$50.0012/11/2010 10:03:37 AM
cashhelp$30.00$30.0012/12/2010 1:06:24 PM
Big-Travy$25.00$25.0012/12/2010 1:51:18 PM
uvm1978$300.00$300.0012/12/2010 10:28:22 AM
fishcreek$100.00$100.0012/12/2010 11:55:00 PM
peace-sitar0$200.00$200.0012/12/2010 9:32:11 PM
LovinMe$39.14$39.1412/13/2010 11:34:30 AM
78$29.68$29.6812/13/2010 5:24:59 PM
johnrx$50.00$50.0012/14/2010 12:44:20 AM
careful-currency5$37.86$37.8612/14/2010 7:52:44 AM
bonus-quark4$25.00$25.0012/13/2010 5:15:28 PM
pinballwizard$30.94$30.9412/14/2010 3:35:23 AM
crw1950$43.00$43.0012/14/2010 5:30:57 AM
ethicalhumanist$50.00$50.0012/13/2010 5:28:50 PM
Dollars4Rent$25.00$25.0012/14/2010 12:15:17 PM
RecoveryLender$25.00$25.0012/14/2010 9:21:44 AM
roadtruck$50.00$50.0012/14/2010 1:03:28 PM
grampy48$25.00$25.0012/14/2010 1:33:27 PM
outofoffice$75.00$75.0012/14/2010 2:31:05 PM
huskies01$42.00$42.0012/14/2010 2:19:18 PM
p2ploan-sensation211$75.00$75.0012/14/2010 2:50:04 PM
NekHoldings$25.00$25.0012/14/2010 7:50:07 AM
jn_tiger$25.00$25.0012/14/2010 9:57:58 AM
Whitewater_Loans$76.54$76.5412/14/2010 10:41:23 AM
Dollars4Rent$25.00$25.0012/14/2010 12:15:32 PM
eagle6$25.00$25.0012/14/2010 1:16:39 PM
nimble-nickel$50.00$50.0012/14/2010 2:40:13 PM
vutah$50.00$50.0012/7/2010 8:18:12 PM
FoosMaster$100.00$100.0012/7/2010 3:30:04 PM
newest-funds-powerplant$25.00$25.0012/7/2010 9:34:25 PM
investment-artist$50.00$50.0012/7/2010 3:43:00 PM
MonopolyDred$47.48$47.4812/8/2010 5:26:51 AM
tomdooley12520$50.00$50.0012/8/2010 6:03:16 AM
reflective-rupee$150.00$150.0012/7/2010 7:26:01 PM
maj0508$100.00$100.0012/8/2010 9:13:25 AM
caring-hope2$70.42$70.4212/8/2010 10:02:45 AM
bannybucks$25.00$25.0012/8/2010 2:08:42 PM
ddamenace$75.00$75.0012/9/2010 10:05:21 AM
bicyclebear$50.00$50.0012/10/2010 2:19:12 PM
drewdog365$25.00$25.0012/10/2010 8:44:19 PM
surfsider123$25.00$25.0012/10/2010 5:16:40 PM
jpblan11$25.00$25.0012/11/2010 4:52:30 AM
payout-magician$25.00$25.0012/11/2010 8:36:50 AM
bradny$25.00$25.0012/11/2010 11:15:47 AM
Bujinkan1$25.00$25.0012/11/2010 6:18:57 AM
trade-structure$35.79$35.7912/10/2010 5:10:35 PM
RecoveryLender$25.00$25.0012/11/2010 11:09:12 AM
ingeborg77$50.00$50.0012/11/2010 10:03:57 AM
caring-hope2$50.00$50.0012/11/2010 3:42:33 PM
rpg$50.00$50.0012/12/2010 12:24:08 PM
richt2$50.00$50.0012/12/2010 3:06:21 PM
sophisticated-marketplace$32.21$32.2112/11/2010 8:58:08 PM
BURNERA_1$150.00$150.0012/12/2010 5:51:40 PM
rvirk$300.00$140.0612/12/2010 8:11:13 PM
Aberdeen$9,000.00$9,000.0012/12/2010 10:05:56 PM
Aberdeen$5,000.00$5,000.0012/13/2010 10:21:05 AM
Corellia$100.00$100.0012/12/2010 6:19:59 PM
otalon$35.00$35.0012/13/2010 11:43:38 AM
340$33.21$33.2112/13/2010 4:16:04 PM
Feyenoord$25.00$25.0012/13/2010 10:14:09 PM
gustavholstopus32$25.00$25.0012/14/2010 5:37:35 AM
Aberdeen$5,000.00$5,000.0012/14/2010 12:34:44 AM
trade-goblin9$25.00$25.0012/14/2010 7:58:26 AM
wwwUniversal$25.00$25.0012/13/2010 5:17:14 PM
soular21804$25.00$25.0012/14/2010 6:58:15 AM
Lastavatar$242.27$242.2712/14/2010 1:19:30 PM
Soulphoniks-Holdings$25.00$25.0012/14/2010 1:22:12 PM
zevonyc$25.00$25.0012/14/2010 1:33:15 PM
Brown98$25.00$25.0012/14/2010 10:51:26 AM
HomerdohNY$25.00$25.0012/14/2010 10:55:59 AM
p2ploan-sensation211$25.00$25.0012/14/2010 2:53:14 PM
rutzebach$200.00$200.0012/14/2010 12:43:50 PM
Danjack_Capital$25.00$25.0012/14/2010 1:04:09 PM
rutzebach$100.00$100.0012/14/2010 1:09:26 PM
jpblan11$25.00$25.0012/14/2010 4:24:28 AM
The_dude_01$25.00$25.0012/14/2010 12:45:28 PM
jaesposito$25.00$25.0012/14/2010 1:41:44 PM
RecoveryLender$25.00$25.0012/14/2010 1:57:56 PM
p2ploan-sensation211$25.00$25.0012/14/2010 2:52:07 PM
101 bids
 
Borrower Payment Dependent Notes Series 487200
This series of Notes was issued and sold upon the funding of the borrower loan #45947, 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-13-2010 
  Auction end date:  Dec-14-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $164.91
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $164.91
 
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): 6 First credit line: May-1999 Debt/Income ratio: 28%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,621Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: blue-rate-cowbell Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2010)
740-759 (Nov-2009)
680-699 (Oct-2009)
 
Principal balance: $7,657.01 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Pay off 12 month same as cash cc
Purpose of loan:
This loan will be used to pay off 12 month same as cash credit card

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)
EBITDA$25.00$25.0012/13/2010 3:06:56 PM
impeccable-transparency$150.00$150.0012/13/2010 3:12:10 PM
graceful-investment$100.00$100.0012/13/2010 3:02:08 PM
lendcraft$25.00$25.0012/13/2010 3:03:11 PM
reflective-rupee$200.00$200.0012/13/2010 3:13:40 PM
B-rad_the_Coug$25.00$25.0012/13/2010 3:20:12 PM
hopeful-truth5$75.00$75.0012/13/2010 3:26:38 PM
famous-bill$25.00$25.0012/13/2010 3:05:53 PM
handshake5$100.00$100.0012/13/2010 3:33:58 PM
symbiosis$50.00$50.0012/13/2010 3:35:14 PM
paytonbrigadier$300.00$300.0012/13/2010 3:36:23 PM
ekmendenhall$55.00$55.0012/13/2010 3:56:29 PM
Redmond$25.00$25.0012/13/2010 3:33:46 PM
drcoop$25.00$25.0012/13/2010 3:38:17 PM
Whipster$30.00$30.0012/13/2010 3:39:26 PM
Bank42$50.00$50.0012/13/2010 3:39:37 PM
mercuriant$25.00$25.0012/13/2010 3:41:06 PM
secureincome$2,000.00$701.6912/13/2010 3:41:36 PM
finance-prescription$50.00$50.0012/13/2010 4:29:23 PM
108lender$48.31$48.3112/13/2010 7:01:33 PM
building_community$25.00$25.0012/13/2010 4:19:45 PM
alexgalt$25.00$25.0012/13/2010 11:00:39 PM
lucrative-loan$50.00$50.0012/14/2010 1:00:33 AM
Ven58$25.00$25.0012/13/2010 4:48:05 PM
kulender$50.00$50.0012/13/2010 3:08:29 PM
bulsa$100.00$100.0012/13/2010 3:09:49 PM
worthy-bid8$50.00$50.0012/13/2010 3:11:56 PM
platinum-rapture6$25.00$25.0012/13/2010 3:02:13 PM
credit-investor5$25.00$25.0012/13/2010 3:22:27 PM
nilonc1$50.00$50.0012/13/2010 3:10:46 PM
reflective-rupee$200.00$200.0012/13/2010 3:12:09 PM
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:19 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:38 PM
ukstevenhawaii$100.00$100.0012/13/2010 3:23:48 PM
rapid-credit428$25.00$25.0012/13/2010 3:03:05 PM
navstox$25.00$25.0012/13/2010 3:39:01 PM
all_of_that_one$25.00$25.0012/13/2010 3:53:39 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:43 PM
simplelender80$100.00$100.0012/13/2010 3:31:06 PM
Thylow$100.00$100.0012/13/2010 3:35:24 PM
bondhedger$25.00$25.0012/13/2010 4:41:38 PM
red-favorable-basis$25.00$25.0012/13/2010 3:51:54 PM
DasMula$100.00$100.0012/13/2010 6:48:22 PM
luminous-payout6$25.00$25.0012/13/2010 5:31:57 PM
SolarMoonshine$25.00$25.0012/13/2010 5:32:31 PM
Thylow$500.00$500.0012/14/2010 3:17:14 AM
nethosters$25.00$25.0012/14/2010 4:25:25 AM
wwwUniversal$25.00$25.0012/14/2010 1:05:54 AM
JiggaJoeyS$40.00$40.0012/13/2010 6:41:56 PM
OLYVRC$25.00$25.0012/13/2010 8:33:16 PM
50 bids
 
Borrower Payment Dependent Notes Series 487208
This series of Notes was issued and sold upon the funding of the borrower loan #46036, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-08-2010 
  Auction end date:  Dec-09-2010 
 
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: Mar-1990 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 16Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,598 
Delinquencies in last 7y: 2 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: troublewithacapT Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
transaction-circuit$50.00$50.0012/8/2010 2:51:17 PM
ASR3$35.00$35.0012/8/2010 3:00:47 PM
DonaldColorado$50.00$50.0012/8/2010 3:01:27 PM
Aragorn$25.00$25.0012/8/2010 2:56:54 PM
integrity-liberator$50.00$50.0012/8/2010 2:57:16 PM
Tikibarman$100.00$100.0012/8/2010 2:57:40 PM
simplelender80$100.00$100.0012/8/2010 3:00:58 PM
finance-prescription$100.00$100.0012/8/2010 3:01:15 PM
reflective-rupee$25.00$25.0012/8/2010 2:59:58 PM
paytonbrigadier$25.00$25.0012/9/2010 12:03:05 AM
secureincome$2,000.00$2,000.0012/8/2010 2:52:36 PM
bid-czar8$100.00$100.0012/8/2010 3:01:47 PM
diplomatic-wealth7$25.00$15.0012/8/2010 3:01:58 PM
SolarMoonshine$25.00$25.0012/8/2010 5:34:35 PM
worthy-bid8$50.00$50.0012/8/2010 2:51:31 PM
ukstevenhawaii$100.00$100.0012/8/2010 2:54:25 PM
Bank42$50.00$50.0012/8/2010 2:55:37 PM
hopeful-truth5$100.00$100.0012/8/2010 3:00:15 PM
18 bids
 
Borrower Payment Dependent Notes Series 487454
This series of Notes was issued and sold upon the funding of the borrower loan #46068, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Dec-10-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $508.30
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $508.30
 
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: Sep-1999 Debt/Income ratio: 30%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,979Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: Jasmin311 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 28 ( 97% ) 720-739 (Latest)
Principal borrowed: $15,000.00< 31 days late: 1 ( 3% )  
720-739 (Jul-2009)
760-779 (Feb-2008)
 
Principal balance: $0.75 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Pay off Medical Debt
Purpose of loan:
In May of 2010 I sustained an injury to my hamstring during a Zumba class and it has cost me quite a bit in physical therapy, doctor's visits and I had to have 2 MRI's. I have health insurance but I still had no way to pay the out of pocket costs. So I put them on my credit card. I would like to pay off my credit card since it has a higher interest and use prosper.

My financial situation:
I am a good candidate for this loan because I have a full time career with the State of Oklahoma that I really enjoy. I have a stable lifestyle. I have used prosper before and I paid off my prosper loan months ahead of schedule!

Monthly net income: $ 3980.00

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 105
??Car expenses: $ 0 (Paid Off) :)
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ Everything Else! that is left over
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please explain the drop in credit score? - MoneyFarm
A: I am not quite sure. I paid off my car loan and two other credit cards since then. So you think that my credit would have improved not worsened. At the time of my first loan I do think that I still legally owned a home which I sold since then. That could be why. (Dec-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hopeful-truth5$100.00$100.0012/10/2010 3:09:46 PM
richboy56$25.00$25.0012/10/2010 3:11:55 PM
ASR3$35.00$35.0012/10/2010 3:12:33 PM
Webpreneur$50.00$50.0012/10/2010 3:12:58 PM
organized-payment6$50.00$50.0012/10/2010 3:15:13 PM
gold-blanket0$25.00$25.0012/10/2010 3:11:20 PM
UT-Longhorn$25.00$25.0012/10/2010 3:11:40 PM
GElender$75.00$75.0012/10/2010 3:12:08 PM
ray1051$50.00$50.0012/10/2010 3:12:27 PM
AFairDeal$50.00$50.0012/10/2010 3:12:37 PM
kulender$50.00$50.0012/10/2010 3:13:53 PM
bowdish1$50.00$50.0012/10/2010 3:15:59 PM
jrbill1998$50.00$50.0012/10/2010 3:16:27 PM
E_G$50.00$50.0012/10/2010 3:16:49 PM
chlebie$25.00$25.0012/10/2010 3:08:54 PM
careful-note$100.00$100.0012/10/2010 3:09:51 PM
reward-motion$50.00$50.0012/10/2010 3:10:31 PM
Investoman$25.00$25.0012/10/2010 3:10:48 PM
brightest-affluence-motivator$50.00$50.0012/10/2010 3:10:51 PM
wonderful-dime$25.00$25.0012/10/2010 3:11:46 PM
Artist_Blue$25.00$25.0012/10/2010 3:14:32 PM
SimpleChoice$25.00$25.0012/10/2010 3:15:08 PM
basejump0$25.00$25.0012/10/2010 8:37:34 PM
currency-cigar4$50.00$50.0012/10/2010 3:18:26 PM
jazzlender$25.00$25.0012/10/2010 3:44:07 PM
IIP77$25.00$25.0012/11/2010 4:23:50 AM
intuitive-hope9$25.00$25.0012/10/2010 4:26:53 PM
kmprospeo$49.66$49.6612/11/2010 2:46:45 PM
cagcrash$75.00$75.0012/11/2010 6:18:03 AM
Bobafet$25.00$25.0012/11/2010 4:56:30 PM
ferocious-camaraderi1$46.89$46.8912/11/2010 8:20:01 AM
mulberry4$50.00$50.0012/10/2010 9:42:00 PM
worthy-bid8$37.84$37.8412/11/2010 9:51:32 AM
jamiee73$25.00$25.0012/11/2010 4:21:39 PM
hayhelp$25.00$25.0012/12/2010 11:53:06 AM
bold-durability-drum$39.78$39.7812/12/2010 1:26:42 PM
monroemoney$25.00$25.0012/12/2010 1:43:53 PM
dschless$25.00$25.0012/12/2010 1:45:54 PM
NR$25.00$25.0012/12/2010 7:55:25 AM
flanative$100.00$100.0012/11/2010 3:51:57 PM
jga516$25.00$25.0012/12/2010 2:45:54 PM
Raye147$37.66$37.6612/12/2010 1:26:31 PM
balanced-bill7$44.92$44.9212/12/2010 1:26:57 PM
zebra806$34.53$34.5312/12/2010 1:43:44 PM
ThisGuyIKnow$50.00$50.0012/12/2010 1:43:54 PM
worth-arch$25.00$25.0012/12/2010 1:46:52 PM
zone6$50.00$50.0012/12/2010 1:47:39 PM
helpinghand63$50.00$50.0012/12/2010 1:48:55 PM
cablenews$28.24$28.2412/12/2010 1:49:38 PM
nickel-ferret$47.49$47.4912/12/2010 1:51:05 PM
novice-speculator$25.00$25.0012/11/2010 10:35:48 PM
supersarah61$25.00$25.0012/12/2010 1:52:55 PM
the-bright-velocity$25.00$25.0012/12/2010 7:08:02 AM
thestartuplender$50.00$50.0012/12/2010 7:08:07 AM
lounges$30.00$30.0012/12/2010 10:12:04 PM
Danfromnapa$27.60$27.6012/12/2010 5:06:59 PM
Trevor_C$25.00$25.0012/12/2010 6:11:39 PM
sarisai$50.00$50.0012/12/2010 7:07:55 PM
historic-fund$50.00$50.0012/12/2010 1:26:38 PM
happy-asset$25.00$25.0012/12/2010 1:26:44 PM
agwosdof$100.00$100.0012/12/2010 1:27:09 PM
jdrez$25.00$25.0012/12/2010 1:43:28 PM
cello1$25.00$25.0012/12/2010 1:46:17 PM
ItsJustMe79$40.00$40.0012/12/2010 10:12:16 PM
granitepk$50.00$50.0012/12/2010 1:47:44 PM
dmfog$25.00$25.0012/12/2010 1:48:25 PM
108lender$112.05$112.0512/12/2010 1:53:51 PM
rlgnyc$25.00$25.0012/12/2010 1:54:46 PM
get30inc$50.00$50.0012/13/2010 10:52:15 AM
MikeB918$25.00$25.0012/13/2010 11:19:30 AM
thoughtful-community7$25.00$25.0012/12/2010 4:16:33 PM
trade-boots1$100.00$100.0012/13/2010 11:26:38 AM
fortytwo$100.00$100.0012/12/2010 5:41:59 PM
velocity-solo$25.00$25.0012/13/2010 11:28:17 AM
schpere$100.00$100.0012/13/2010 10:22:36 AM
zippy-interest$25.00$25.0012/13/2010 10:24:40 AM
cloud8$47.63$47.6312/13/2010 10:32:30 AM
platinum-sorcerer6$47.06$47.0612/13/2010 10:50:34 AM
surfhoss644$50.00$50.0012/13/2010 11:19:07 AM
PRGuyinVA$50.00$50.0012/13/2010 11:20:01 AM
banker727$50.00$50.0012/13/2010 11:56:57 AM
favorite-funds8$25.00$25.0012/13/2010 1:21:15 PM
Strato$25.02$25.0212/13/2010 9:40:03 AM
refined-income7$25.00$25.0012/13/2010 10:22:37 AM
dunox$50.00$50.0012/13/2010 10:26:12 AM
value-microscope$25.00$25.0012/13/2010 10:48:34 AM
awwaww$25.00$25.0012/13/2010 10:52:13 AM
impeccable-transparency$175.00$175.0012/13/2010 11:19:52 AM
brother_tam$47.59$47.5912/13/2010 11:40:36 AM
income-vault6$25.00$25.0012/13/2010 4:48:53 PM
il_guru$50.00$50.0012/13/2010 4:49:36 PM
banker65010$25.00$25.0012/13/2010 4:30:51 PM
derwiki$25.00$25.0012/13/2010 5:13:15 PM
enthusiastic-treasure$25.00$25.0012/13/2010 5:15:19 PM
delicious-social132$31.16$31.1612/13/2010 5:16:53 PM
Steveoo1$25.00$25.0012/13/2010 5:17:08 PM
Headhunter14$25.00$25.0012/13/2010 5:17:19 PM
maximizer$25.00$25.0012/13/2010 5:18:25 PM
newest-generous-income$25.00$25.0012/13/2010 5:18:31 PM
bonafide-cash$50.00$50.0012/13/2010 5:18:42 PM
first-upright-payout$25.00$25.0012/13/2010 5:18:51 PM
rudyindc$25.00$25.0012/13/2010 5:19:01 PM
natural-affluence4$25.00$25.0012/13/2010 4:35:12 PM
comet55$25.00$25.0012/13/2010 5:19:13 PM
thezfunk$25.00$25.0012/13/2010 5:27:20 PM
MissionMicroFinance$25.00$25.0012/13/2010 5:28:09 PM
crawfingers$25.00$25.0012/13/2010 5:28:13 PM
Chuck9802$50.00$50.0012/13/2010 5:28:29 PM
crazybill$25.00$25.0012/13/2010 5:38:36 PM
peace-maximizer8$25.00$25.0012/13/2010 4:38:23 PM
WolRab$47.32$47.3212/13/2010 6:01:38 PM
rupeeapult$50.00$50.0012/13/2010 6:36:36 PM
ryanp100$25.00$25.0012/13/2010 4:48:23 PM
Adam_00$50.00$50.0012/13/2010 5:04:50 PM
PatRichi$25.00$25.0012/13/2010 7:41:32 PM
williemc44$50.00$50.0012/13/2010 7:41:59 PM
Marathoner$25.00$25.0012/13/2010 7:42:06 PM
efficient-treasure0$25.00$25.0012/13/2010 5:13:09 PM
special-vigilance924$25.00$25.0012/13/2010 5:13:18 PM
bonanza1973$50.00$50.0012/13/2010 5:13:23 PM
wampum-chorus3$25.00$25.0012/13/2010 5:13:54 PM
wampum-launcher0$30.00$30.0012/13/2010 5:16:30 PM
trade-surge3$50.00$50.0012/13/2010 5:16:43 PM
p2p-rider7$50.00$50.0012/13/2010 5:17:10 PM
MarinLoans$25.00$25.0012/13/2010 5:18:33 PM
supreme-benefit$25.00$25.0012/13/2010 5:18:39 PM
wayman$50.00$50.0012/13/2010 5:18:52 PM
pouch7$25.00$25.0012/13/2010 5:18:55 PM
melodious-fairness$50.00$50.0012/13/2010 5:19:04 PM
native68$50.00$50.0012/13/2010 5:19:10 PM
yield-museum$39.81$39.8112/13/2010 8:48:17 PM
checkuto$25.00$25.0012/13/2010 9:31:32 PM
love_what_you_do$25.00$25.0012/13/2010 5:28:19 PM
junctionking$25.00$25.0012/13/2010 5:28:25 PM
urbane-dollar4$50.00$50.0012/13/2010 5:28:34 PM
Interloper$25.00$25.0012/13/2010 5:29:53 PM
dmeg$25.00$25.0012/13/2010 5:41:41 PM
iolaire$25.00$25.0012/14/2010 12:17:24 AM
ualf$42.14$42.1412/14/2010 12:28:32 AM
bettylor$35.96$35.9612/13/2010 5:46:44 PM
Cutts$25.00$25.0012/14/2010 12:45:15 AM
anyoi$36.20$36.2012/14/2010 12:45:37 AM
cbr600fs$50.00$50.0012/13/2010 6:51:25 PM
4est$25.00$25.0012/14/2010 12:59:34 AM
YellowJacket$25.00$25.0012/13/2010 7:16:33 PM
teejay411$26.42$26.4212/13/2010 7:16:51 PM
klinebarger$25.00$25.0012/13/2010 7:26:31 PM
finance-prescription$31.53$31.5312/14/2010 1:13:29 AM
coin-sphinx4$50.00$50.0012/13/2010 7:41:55 PM
teller$50.00$50.0012/13/2010 7:42:08 PM
unassassinable$25.00$25.0012/14/2010 1:29:24 AM
mtquan$25.00$25.0012/14/2010 5:41:43 AM
p2p-czar3$25.00$25.0012/14/2010 6:04:51 AM
alpinaut$25.00$25.0012/14/2010 12:17:18 AM
Oupa-George$25.00$25.0012/14/2010 12:27:31 AM
p2pcapitalgroup$50.00$50.0012/14/2010 6:19:02 AM
thundermustard$25.00$25.0012/14/2010 6:34:07 AM
thrifty-peso$25.00$25.0012/14/2010 6:36:27 AM
Victor-E-Lane$25.00$25.0012/14/2010 12:42:30 AM
626457$25.00$25.0012/14/2010 12:50:20 AM
MoneyBagsRUs$25.00$25.0012/14/2010 12:58:29 AM
rogue_monster$50.00$50.0012/13/2010 4:48:27 PM
skuba$25.00$25.0012/13/2010 4:49:41 PM
wise-silver-wonder$25.00$25.0012/14/2010 1:07:03 AM
Sixmil$37.46$37.4612/13/2010 5:06:29 PM
sohuge1234$50.00$50.0012/13/2010 5:13:17 PM
Timex$50.00$50.0012/13/2010 5:13:25 PM
GreenNotes$30.00$30.0012/14/2010 1:32:31 AM
jstnow$25.00$25.0012/13/2010 5:16:26 PM
alaco$25.00$25.0012/13/2010 5:18:47 PM
gavinfh$25.00$25.0012/13/2010 5:19:07 PM
authentic-liberty7$25.00$25.0012/13/2010 5:19:16 PM
dollar-high-five$25.00$25.0012/13/2010 5:28:05 PM
robertmm25$50.00$50.0012/13/2010 5:28:15 PM
Plotinus$50.00$50.0012/13/2010 5:28:21 PM
kc8fot$50.00$50.0012/14/2010 5:46:54 AM
DcUnited$30.00$30.0012/13/2010 5:28:27 PM
Picopie$28.86$28.8612/13/2010 5:29:50 PM
RobotTwo$25.00$25.0012/13/2010 5:38:37 PM
schreibp$25.00$25.0012/13/2010 5:38:40 PM
market-network$25.00$25.0012/14/2010 10:14:49 AM
the-kinetic-nickel$25.00$25.0012/14/2010 6:34:05 AM
G1g1ty$25.00$25.0012/14/2010 6:36:29 AM
sjlnn$28.22$28.2212/13/2010 5:46:27 PM
Approved1234$25.00$25.0012/14/2010 7:06:26 AM
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agiovasil$25.00$25.0012/13/2010 6:26:56 PM
worth-sanctuary9$25.36$25.3612/14/2010 12:58:48 AM
happyskippy0208$25.00$25.0012/14/2010 1:03:52 AM
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carlover$25.00$25.0012/14/2010 12:40:08 AM
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394 bids
 
Borrower Payment Dependent Notes Series 487652
This series of Notes was issued and sold upon the funding of the borrower loan #46024, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-16-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $316.34
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2005 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,847Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: fan988 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Acquisition
Purpose of loan:
This loan will be used to complete the purchase of an existing cafe with an annual income of $250k plus.
My financial situation:
I am a good candidate for this loan because I not only work at the local hospital but also put in 60 hours a week at the coffeeshop. Also, in the last ten years, I have not once been late on a debt/bill payment.?I've worked very hard to get where I am today in life and in credit, and I will not throw it all away.

Monthly net income: $ 4,600.00

Monthly expenses: $ 700.00
??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: Have you previously run a restaurant? Why are the previous owners selling? Does the change in your employment status (and credit rating) reflect that you are now working at the cafe? - Trakissta
A: While I have not previously operated a restaurant of my own, I have consulted on and helped micro-manage several businesses in the past. That said, I believe that running my own business is a task I am up for. The previous owners are selling due to a better job offer making much more money. I am now working in the cafe roughly 70-80 hours a week leaving me little time to continue on at the hospital. My last day there was November 23. (Dec-13-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kulender$50.00$50.0012/13/2010 3:08:38 PM
hopeful-truth5$100.00$100.0012/13/2010 3:26:42 PM
ASR3$35.00$35.0012/13/2010 3:29:09 PM
EBITDA$25.00$25.0012/13/2010 3:07:02 PM
richboy56$25.00$25.0012/13/2010 3:43:12 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:22 PM
hayhelp$25.00$25.0012/13/2010 3:52:42 PM
SNH$100.00$100.0012/13/2010 3:42:14 PM
hope-hickory$25.00$25.0012/13/2010 3:57:19 PM
cropdust3r$25.00$25.0012/13/2010 4:01:14 PM
nickel-hickory$50.00$50.0012/13/2010 4:02:18 PM
ukstevenhawaii$100.00$100.0012/13/2010 3:23:55 PM
NR$25.00$25.0012/13/2010 3:51:24 PM
dedicated-transaction796$50.00$50.0012/13/2010 4:26:48 PM
ichibon$50.00$50.0012/13/2010 4:27:37 PM
graceful-investment$100.00$100.0012/13/2010 4:28:05 PM
Interstate_Rate$100.00$100.0012/13/2010 3:37:24 PM
relentless-fund1$50.00$50.0012/13/2010 4:39:24 PM
credit-investor5$25.00$25.0012/13/2010 4:40:40 PM
credit-sycamore4$81.31$81.3112/13/2010 4:42:20 PM
investment-comet$25.00$25.0012/13/2010 4:42:23 PM
inspiring-reward$150.00$150.0012/13/2010 4:42:33 PM
ThatDanGuy$100.00$100.0012/13/2010 4:43:04 PM
Rick21$25.00$25.0012/13/2010 4:49:26 PM
PRGuyinVA$25.00$25.0012/13/2010 3:45:50 PM
gold-channel2$50.00$50.0012/13/2010 4:49:57 PM
ferocious-exchange3$50.00$50.0012/13/2010 4:50:01 PM
scrappy-diversification7$150.00$150.0012/13/2010 4:52:47 PM
NoCal$25.00$25.0012/13/2010 5:29:46 PM
stock106$25.00$25.0012/13/2010 5:38:02 PM
coin-bee1$50.00$50.0012/13/2010 3:52:56 PM
finance-magma7$34.25$34.2512/13/2010 5:46:40 PM
Saleen06$25.00$25.0012/13/2010 5:46:42 PM
return-pumpkin7$25.00$25.0012/13/2010 6:17:41 PM
TrekTune$25.00$25.0012/13/2010 3:55:02 PM
ingenious-truth0$50.00$50.0012/13/2010 4:47:31 PM
ferocious-camaraderi1$25.00$25.0012/13/2010 7:12:35 PM
dollar-sonnet3$35.38$35.3812/13/2010 4:49:16 PM
jlr613$50.00$50.0012/13/2010 8:51:25 PM
kindness-hickory5$50.00$50.0012/13/2010 5:27:36 PM
bnlforever$25.00$25.0012/13/2010 5:29:47 PM
vigorous-velocity$43.57$43.5712/13/2010 5:31:35 PM
shoedds$42.79$42.7912/14/2010 12:16:57 AM
SolarMoonshine$25.00$25.0012/13/2010 5:46:23 PM
damanq$28.40$28.4012/13/2010 5:46:32 PM
asset-trumpeter$25.00$25.0012/14/2010 12:42:37 AM
sk8ndive$25.00$25.0012/14/2010 12:59:38 AM
hope-eagle6$25.00$25.0012/14/2010 1:14:37 AM
PaulW$25.00$25.0012/13/2010 7:47:40 PM
newest-inspiring-power$25.00$25.0012/14/2010 1:27:22 AM
Bomber$25.00$25.0012/14/2010 5:30:03 AM
raisingophelia$25.00$25.0012/13/2010 4:49:32 PM
ingenious-deal6$25.00$25.0012/13/2010 4:53:34 PM
youthful-greenback3$25.00$25.0012/14/2010 1:24:36 AM
371millwood$300.00$300.0012/13/2010 5:11:18 PM
lively-hope28$27.99$18.8712/14/2010 1:28:47 AM
money-bauble$100.00$100.0012/13/2010 5:16:32 PM
jo2y$25.00$25.0012/13/2010 5:29:45 PM
ore-armada$50.00$50.0012/13/2010 5:30:01 PM
WorldlyWorker$25.00$25.0012/13/2010 5:38:01 PM
nalaari$25.00$25.0012/13/2010 6:11:32 PM
the-dollar-topper$74.70$74.7012/13/2010 8:26:38 PM
jasonj72$25.00$25.0012/13/2010 9:51:29 PM
robust-duty1$28.00$28.0012/14/2010 10:05:23 AM
ideal-platinum1$25.00$25.0012/13/2010 11:12:56 PM
CaboWaboRobo$25.00$25.0012/14/2010 12:39:08 AM
nodrivelpls$25.00$25.0012/14/2010 12:45:35 AM
Sykes66$25.00$25.0012/14/2010 12:58:37 AM
economy-producer$25.00$25.0012/14/2010 1:02:47 AM
green-moola-sniffer$25.76$25.7612/14/2010 1:25:22 AM
greencat$50.00$50.0012/14/2010 7:25:00 AM
mfs1000$25.00$25.0012/14/2010 4:02:45 PM
nickel-position$25.00$25.0012/14/2010 8:44:18 AM
ShadowLender$100.00$100.0012/14/2010 3:21:00 PM
dynrep$50.00$50.0012/14/2010 9:40:02 AM
BradBayliner$25.00$25.0012/14/2010 7:07:49 PM
wise-balanced-moola$25.00$25.0012/14/2010 10:24:43 PM
108lender$200.00$200.0012/15/2010 5:36:23 PM
umfan123$25.00$25.0012/16/2010 12:35:06 AM
DonaldColorado$50.00$50.0012/13/2010 3:29:48 PM
handshake5$100.00$100.0012/13/2010 3:34:05 PM
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a-finance-nirvana$25.00$25.0012/13/2010 3:45:34 PM
minddoc$25.00$25.0012/13/2010 3:50:07 PM
reflective-rupee$100.00$100.0012/13/2010 3:54:11 PM
silver-enlightenment0$50.00$50.0012/13/2010 3:58:03 PM
flanative$100.00$100.0012/13/2010 3:47:54 PM
fairness-kayak$25.00$25.0012/13/2010 3:53:57 PM
Gibbyland$50.00$50.0012/13/2010 4:28:19 PM
GElender$25.00$25.0012/13/2010 4:28:38 PM
simplelender80$100.00$100.0012/13/2010 3:31:14 PM
nybanker85$30.00$30.0012/13/2010 4:29:13 PM
jazzlender$25.00$25.0012/13/2010 4:29:18 PM
Redmond$25.00$25.0012/13/2010 3:33:48 PM
flwah$25.00$25.0012/13/2010 4:32:33 PM
symbiosis$50.00$50.0012/13/2010 3:35:19 PM
paytonbrigadier$300.00$300.0012/13/2010 3:37:39 PM
worthy-bid8$50.00$50.0012/13/2010 3:39:58 PM
bulsa$100.00$100.0012/13/2010 4:38:50 PM
Guerrilla_Man$25.00$25.0012/13/2010 4:42:17 PM
trade-boots1$100.00$100.0012/13/2010 4:42:37 PM
treasure-bliss$30.97$30.9712/13/2010 4:49:14 PM
burrito6$25.00$25.0012/13/2010 4:49:33 PM
secureincome$50.00$50.0012/13/2010 4:49:54 PM
rapid-credit428$25.00$25.0012/13/2010 5:04:52 PM
new-social-economist$80.00$80.0012/13/2010 3:49:20 PM
derec$25.00$25.0012/13/2010 5:27:51 PM
orange-preeminant-bill$33.55$33.5512/13/2010 5:42:34 PM
zebra806$100.00$100.0012/13/2010 5:46:41 PM
HeavyDriver03$25.00$25.0012/13/2010 4:42:15 PM
LoisLoan$25.00$25.0012/13/2010 3:54:31 PM
kind-adventurous-finance$50.00$50.0012/13/2010 4:42:54 PM
Goldfingers$25.00$25.0012/13/2010 4:47:38 PM
CC911$25.00$25.0012/13/2010 7:01:32 PM
whatknows$25.00$25.0012/13/2010 4:49:30 PM
the-determined-value$45.17$45.1712/13/2010 7:57:00 PM
Investoman$50.00$50.0012/13/2010 4:00:22 PM
orange-dollar-guild$25.00$25.0012/13/2010 5:16:45 PM
DSFinancial$50.00$50.0012/13/2010 8:26:34 PM
hc90474$25.00$25.0012/13/2010 8:26:41 PM
payment-gusto$25.00$25.0012/13/2010 5:29:50 PM
slushfunder$25.00$25.0012/13/2010 10:22:45 PM
saffron4$25.00$25.0012/13/2010 5:38:04 PM
LMM1$35.00$35.0012/13/2010 5:38:53 PM
Au-Ag-Pt$40.00$40.0012/14/2010 12:41:19 AM
SDNLR$40.53$40.5312/13/2010 6:08:48 PM
IIP77$25.00$25.0012/13/2010 4:27:32 PM
cash-tent$30.00$30.0012/13/2010 7:19:41 PM
top-historic-peso$25.00$25.0012/13/2010 7:22:34 PM
bid-czar8$100.00$100.0012/13/2010 4:28:55 PM
FeedTheMachine$34.33$34.3312/14/2010 1:14:30 AM
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credit-wheel7$25.00$25.0012/14/2010 1:27:12 AM
alexgalt$25.00$25.0012/13/2010 10:59:34 PM
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chemistry220$40.81$40.8112/14/2010 12:42:33 AM
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bid-papyrus$25.00$25.0012/14/2010 1:00:29 AM
ionyad$25.00$25.0012/13/2010 4:49:17 PM
whartonmba$50.00$50.0012/13/2010 4:49:21 PM
wanna-help$41.65$41.6512/14/2010 1:04:00 AM
Wellman$50.00$50.0012/13/2010 4:50:00 PM
nickel-alien$26.45$26.4512/13/2010 4:51:58 PM
MadHun$50.00$50.0012/13/2010 4:53:33 PM
PatRichi$25.00$25.0012/13/2010 5:29:48 PM
LAM26$25.00$25.0012/13/2010 5:38:06 PM
BGILlender$25.00$25.0012/13/2010 7:36:28 PM
1-HARD-HEAD$50.00$50.0012/14/2010 2:29:59 PM
theshef$25.00$25.0012/14/2010 12:16:41 AM
mla$25.00$25.0012/14/2010 12:26:36 AM
divedude$25.00$25.0012/14/2010 12:44:39 AM
Q9-X3$25.00$25.0012/14/2010 12:59:46 AM
bronzmajom$25.00$25.0012/14/2010 1:00:25 AM
gallant-economy9$60.87$60.8712/14/2010 1:13:20 AM
asmithj$32.64$32.6412/14/2010 1:14:48 AM
interest-exec9$25.00$25.0012/14/2010 2:47:12 PM
Trakissta$300.00$300.0012/14/2010 7:40:39 PM
wwwUniversal$25.00$25.0012/15/2010 12:53:45 AM
158 bids
 
Borrower Payment Dependent Notes Series 487852
This series of Notes was issued and sold upon the funding of the borrower loan #46030, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-16-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
Final lender yield: 32.99% Final borrower rate/APR: 33.99% / 40.30% Final monthly payment: $44.67
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 25.95%  
Lender servicing fee: 1.00% Estimated return: 7.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1996 Debt/Income ratio: 11%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 5 Current / open credit lines: 11 / 10Length of status:17y 2m
Amount delinquent: $3,572 Total credit lines: 46 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,524Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: TROYCHRISTOPHER 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 / 3 On-time: 62 ( 100% ) 600-619 (Latest)
Principal borrowed: $6,050.00< 31 days late: 0 ( 0% )  
600-619 (Oct-2010)
640-659 (Oct-2009)
620-639 (Apr-2009)
580-599 (Nov-2007)
 
Principal balance: $2,871.27 31+ days late: 0 ( 0% )
Total payments billed: 62  
Description
Lenders 5 YR Member Here 3 Loans A+
Purpose of loan: Personal use.

My financial situation:
I am a good candidate for this loan because? never missed a payment never been late. Been a prosper member over?5 Years., over 61 Payments made and never late
.
The delinquent amount is from a couple of hospital bills that I was paying on but got behind and was sent over to a collection agency. It is from 2003 and I have perfect payment history on all my bills now. Very Low credit card debt and great income.

Monthly net income: $ 5,500

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. Is the *current* amount delinquent from 2003? If not, could you explain? Thanks and good luck with this loan. - green-rapid-openness
A: Yes. (Dec-16-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
UCLA4life$35.00$35.0012/14/2010 4:21:13 PM
Kash2010lu$50.00$50.0012/15/2010 9:34:03 AM
reflective-rupee$100.00$100.0012/15/2010 2:52:27 PM
CommunityArts_Non-profit$50.00$50.0012/15/2010 11:30:59 PM
supreme-hope$25.00$25.0012/16/2010 1:07:48 AM
loanman2007$75.00$75.0012/16/2010 5:40:14 AM
twjh$25.00$25.0012/16/2010 5:41:45 AM
Kiwi0601$25.00$25.0012/16/2010 5:53:33 AM
MilitaryLoans$526.73$190.0012/16/2010 7:26:52 AM
setUup$50.00$50.0012/15/2010 2:16:48 AM
NekHoldings$25.00$25.0012/15/2010 8:12:23 AM
penny-plato$25.00$25.0012/15/2010 9:31:40 AM
Amber_Stone$25.00$25.0012/14/2010 10:18:05 PM
SolarMoonshine$25.00$25.0012/15/2010 4:05:07 PM
wealth-pipeline$25.00$25.0012/15/2010 11:29:55 AM
chameleon125$250.00$250.0012/15/2010 9:37:49 PM
16 bids