Sales Report:Supplement No. 3 dated Dec 22, 2010 to Prospectus dated Dec 20, 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 Dec 20, 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 Dec 20, 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 475371
This series of Notes was issued and sold upon the funding of the borrower loan #46186, 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-14-2010 
  Auction end date:  Dec-17-2010 
 
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: Jan-2001 Debt/Income ratio: 5%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: exchange-detective1 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Dental Surgery
Purpose of loan:
I'm requesting this loan to help me pay for a much needed dental surgery.? I have dental insurance, but they apparently only cover $2k per year, and I have already paid more than $16k out of pocket this year.? There is only 1 procedure remaining.

My financial situation:
I have over 10 years working for a great company where I started as an intern my freshman year of college, and currently work as the business unit manager for the southwest region.? I earn $86k in salary, as well as bonuses and stock offerings that total $20k+ and are payable each spring.? The last few years of my credit record have been flawless and I have $0 in debt.? I've tried very hard to live debt free, but in this situation I need a short term loan.

Monthly net income: $ 5184 (after taxes, insurance, 401k, retirement fund etc.)

Monthly expenses: $?2475
??Housing: $ 550
??Insurance: $ 65
??Car expenses: $ 200 (gas/maintenance only, car is paid for)
??Utilities: $ 120
??Phone, cable, internet: $ 140
??Food, entertainment: $ 800
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 0
??Other expenses: $ 200 (estimated miscellaneous spending)
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 your public record in the last 10 years? - nfx
A: Indiana State Tax lien. After moving to Arizona some years back, my Indiana state taxes were audited and found that I owed $600. Issue is that I was never notified of the audit or results, mail was never forwarded. When it became a public record, an old friend saw it in the newspaper and called me. I paid the taxes owed the same day. (Dec-16-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kulender$100.00$100.0012/14/2010 4:14:44 PM
Thylow$25.00$25.0012/14/2010 4:23:37 PM
simplelender80$100.00$100.0012/14/2010 4:25:37 PM
coin-bee1$50.00$50.0012/14/2010 4:31:57 PM
scrappy-diversification7$2,000.00$2,000.0012/14/2010 4:33:32 PM
Artist_Blue$25.00$25.0012/14/2010 4:26:18 PM
ichibon$50.00$50.0012/14/2010 4:59:17 PM
SolarMoonshine$50.00$50.0012/14/2010 5:50:53 PM
diplomatic-wealth7$25.00$25.0012/14/2010 4:25:05 PM
reflective-rupee$200.00$200.0012/14/2010 8:40:18 PM
SNH$100.00$100.0012/14/2010 4:29:09 PM
Investoman$50.00$50.0012/14/2010 4:32:49 PM
dedicated-transaction796$50.00$50.0012/14/2010 4:34:58 PM
loanman2007$125.00$125.0012/15/2010 5:45:27 AM
finance-prescription$50.00$50.0012/14/2010 10:01:26 PM
divedude$25.00$25.0012/15/2010 3:16:36 AM
Tikibarman$100.00$100.0012/15/2010 9:34:13 AM
JPMorrisLegacyFund$40.00$40.0012/15/2010 5:57:33 AM
Comoparklender$25.00$25.0012/15/2010 12:11:32 PM
bid-czar8$100.00$100.0012/15/2010 3:45:14 PM
ingenious-deal6$25.00$25.0012/15/2010 10:01:45 PM
treasure-bliss$50.00$50.0012/16/2010 12:57:26 AM
moola-wildebeest3$25.00$7.2612/16/2010 3:18:21 AM
108lender$150.00$150.0012/15/2010 5:32:17 PM
dckpolo$25.00$25.0012/15/2010 5:37:57 PM
income-pillow$44.43$44.4312/15/2010 5:41:30 PM
Rebelrick9$191.00$191.0012/15/2010 6:44:41 PM
inspiring-reward$98.09$98.0912/16/2010 1:57:07 AM
worldly-gold$75.00$75.0012/16/2010 10:28:38 PM
EBITDA$25.00$25.0012/14/2010 4:14:08 PM
hopeful-truth5$75.00$75.0012/14/2010 4:23:43 PM
handshake5$100.00$100.0012/14/2010 4:16:02 PM
jazzlender$25.00$25.0012/14/2010 4:35:01 PM
rss197$25.00$25.0012/14/2010 4:35:16 PM
NR$25.00$25.0012/14/2010 4:31:36 PM
secureincome$2,000.00$2,000.0012/14/2010 4:34:17 PM
worthy-bid8$50.00$50.0012/14/2010 4:56:39 PM
graceful-investment$32.42$32.4212/14/2010 5:00:09 PM
DonaldColorado$50.00$50.0012/14/2010 4:24:55 PM
Redmond$25.00$25.0012/14/2010 4:26:53 PM
paytonbrigadier$300.00$300.0012/14/2010 4:27:48 PM
income-sage9$25.00$25.0012/14/2010 4:33:47 PM
contract-student2$50.00$50.0012/15/2010 6:04:03 AM
371millwood$300.00$300.0012/15/2010 6:39:29 AM
musegaze$50.00$50.0012/14/2010 8:08:19 PM
money-bauble$41.80$41.8012/15/2010 12:38:14 AM
ASR3$25.00$25.0012/15/2010 3:45:12 PM
interstellar$50.00$50.0012/15/2010 6:45:29 AM
Georgetastic$25.00$25.0012/15/2010 3:44:49 PM
goodhearted-gold3$25.00$25.0012/15/2010 4:44:28 PM
fuzed$45.00$45.0012/15/2010 5:49:29 PM
green-thoughtful-yield$100.00$100.0012/15/2010 9:40:43 PM
wwwUniversal$25.00$25.0012/16/2010 12:46:50 AM
Aragorn$25.00$25.0012/15/2010 4:37:10 PM
euphoria8$25.00$25.0012/16/2010 4:17:32 AM
55 bids
 
Borrower Payment Dependent Notes Series 486825
This series of Notes was issued and sold upon the funding of the borrower loan #46189, 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: 24.00% Auction start date:  Dec-06-2010 
  Auction end date:  Dec-13-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jun-1994 Debt/Income ratio: 32%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,006Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: LittleKellyD Borrower's state: NewMexico 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: 32 ( 97% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 3% )  
620-639 (Oct-2010)
600-619 (Sep-2009)
600-619 (Feb-2008)
 
Principal balance: $552.37 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Debt Consolidation Further Help
Purpose of loan:
This loan will be used to? Payoff a 50% rate loan, and have the timing belt replaced on my 2004 Honda Civic.

My financial situation:
I am a good candidate for this loan because? of my background with the existing loan that I have, and my employment history.?I had one issue with my current loan, and it was resolved the following week.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0 Husband handles it
??Insurance: $
??Car expenses: $ 250
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??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
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: The current mortgage balance is $230,100. We do not have a 2nd mortgage, or a HELOC. According to Zillow, our home is valued at $248,000. I will use this loan to pay off an HFC loan at 50% that is going no where. I will also be proactively getting the timing belt on my 2004 Honda Civic replaced. (Dec-11-2010)
Q: Your HR credit is a concern, but I am bidding on YOU. I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You
A: I wont, I have almost paid off my first loan, and this one is part of a 5 year plan to grow my credit. I have improved my prosper score by 40 points since my last loan. Thanks for bidding. (Dec-12-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lendstats_com$200.00$200.0012/6/2010 3:52:47 PM
GrossBuddha$75.00$75.0012/6/2010 4:28:04 PM
innovator2$93.44$93.4412/6/2010 7:32:53 PM
Milonguero$100.00$100.0012/6/2010 6:33:46 PM
alexgalt$25.00$25.0012/6/2010 9:49:49 PM
reflective-rupee$150.00$150.0012/6/2010 7:52:08 PM
hopeful-truth5$100.00$100.0012/6/2010 8:05:18 PM
credit-coach118$25.00$25.0012/7/2010 9:45:08 AM
big_balla_papi$30.00$30.0012/7/2010 1:50:18 AM
hellasow$25.00$25.0012/7/2010 11:37:24 AM
currency-bumblebee$50.00$50.0012/7/2010 10:10:55 AM
FarmersBank$25.00$25.0012/7/2010 9:54:32 AM
investment-artist$50.00$50.0012/7/2010 3:25:53 PM
loanman2007$175.00$175.0012/8/2010 12:32:49 PM
nfx$50.00$50.0012/8/2010 11:46:44 AM
SolarMoonshine$50.00$50.0012/8/2010 5:50:07 PM
Fire2$25.00$25.0012/9/2010 2:52:36 PM
Sturgee$25.00$25.0012/10/2010 9:51:09 AM
economy-popcorn$25.00$25.0012/10/2010 10:18:20 AM
innovator2$96.09$96.0912/9/2010 5:54:38 PM
zone6$100.00$100.0012/9/2010 7:18:17 PM
secondreality$25.00$25.0012/10/2010 4:42:38 AM
PXM-Financial$46.00$46.0012/10/2010 11:14:30 AM
thankful-nickel2$25.00$25.0012/10/2010 2:41:24 PM
return-grizzly$100.00$100.0012/11/2010 5:27:50 AM
hopeful-truth5$200.00$68.7712/11/2010 8:10:44 AM
Bob450$25.00$25.0012/10/2010 6:26:03 PM
Leshan$100.00$100.0012/11/2010 1:07:53 PM
lifelongreds$50.00$50.0012/12/2010 2:37:55 AM
LaBamba$100.00$100.0012/12/2010 7:30:40 AM
shrewd-income$100.00$100.0012/12/2010 7:33:00 AM
unger$60.00$60.0012/12/2010 12:49:47 PM
gristle_mcthornbody$25.00$25.0012/12/2010 11:21:42 AM
BrighterSuns$25.00$25.0012/12/2010 11:48:18 AM
SFBank$300.00$300.0012/11/2010 8:31:33 PM
helping-out$80.00$80.0012/12/2010 9:07:29 PM
justice-trailblazer0$25.00$25.0012/12/2010 3:16:30 PM
Moe87$25.00$25.0012/12/2010 6:25:23 PM
Feyenoord$25.00$25.0012/12/2010 7:34:26 PM
clemclan$25.00$25.0012/12/2010 8:32:09 PM
CommunityArts_Non-profit$30.00$30.0012/12/2010 10:40:39 PM
icanhasloanz$25.00$25.0012/12/2010 11:45:11 PM
RMI_Babylon$25.00$25.0012/13/2010 7:07:46 AM
UCLA4life$25.00$25.0012/6/2010 3:47:00 PM
mikeandcat$50.00$50.0012/6/2010 5:44:19 PM
supreme-hope$25.00$25.0012/6/2010 9:03:56 PM
seadrg$25.00$25.0012/6/2010 5:16:42 PM
reflective-rupee$250.00$250.0012/6/2010 7:51:48 PM
Amber_Stone$300.00$300.0012/6/2010 7:55:42 PM
TeaHouseFinance$25.00$25.0012/6/2010 6:30:58 PM
hellasow$25.00$25.0012/7/2010 11:38:12 AM
NekHoldings$25.00$25.0012/7/2010 5:17:28 AM
selector568$50.00$50.0012/7/2010 9:54:46 AM
mikeandcat$50.00$50.0012/8/2010 5:42:18 PM
Mark-M$25.00$25.0012/9/2010 6:57:54 AM
Iceman1347$25.00$25.0012/9/2010 11:26:00 AM
power-secret-agent$25.00$25.0012/10/2010 6:04:15 AM
myutmost$25.00$25.0012/10/2010 2:30:29 PM
zeeexsixare$25.00$25.0012/10/2010 9:03:42 PM
first-serene-credit$25.00$25.0012/10/2010 3:51:12 PM
pioneer580$100.00$100.0012/11/2010 6:54:55 AM
chameleon125$50.00$50.0012/11/2010 7:38:26 AM
spectrumlend$25.00$25.0012/11/2010 6:52:01 PM
YoungTaxMan$163.70$163.7012/11/2010 7:20:39 PM
Kash2010lu$50.00$50.0012/11/2010 9:17:02 AM
boo_hoo$50.00$50.0012/11/2010 12:04:29 PM
restless-dime$27.00$27.0012/12/2010 10:27:50 AM
britches613$25.00$25.0012/11/2010 7:54:43 PM
loss-of-control$50.00$50.0012/12/2010 9:34:34 AM
Nasdaq$25.00$25.0012/12/2010 10:49:49 PM
niq4soccer$25.00$25.0012/13/2010 5:55:56 AM
blitzen40$25.00$25.0012/12/2010 8:02:53 PM
I-Believe-In-You$25.00$25.0012/12/2010 8:42:10 PM
papaloha$200.00$200.0012/13/2010 12:02:48 AM
quickstep$330.00$330.0012/13/2010 4:13:51 AM
matthewa$25.00$25.0012/13/2010 7:32:59 AM
76 bids
 
Borrower Payment Dependent Notes Series 487509
This series of Notes was issued and sold upon the funding of the borrower loan #46169, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.07% Final monthly payment: $259.62
 
Auction yield range: 5.51% - 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: Jan-1994 Debt/Income ratio: 32%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:16y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,964Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: Gregger Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card
Purpose of loan:
This loan will be used to?Pay off Citi credit card.

My financial situation:
I am a good candidate for this loan because? I have been a Prosper lender myself for 2 years.? I have funded 89 loans so far.? I have made all of my payments on time. ??

Monthly net income: $3,600 (+ Wife)

Monthly expenses: $2,517
??Housing: $ 940
??Insurance: $ 57
??Car expenses: $ 0? (paid off)
??Utilities: $ 320
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $100?
??Credit cards and other loans: $ 550
??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)
careful-note$100.00$100.0012/13/2010 3:07:43 PM
tech310$50.00$50.0012/13/2010 3:07:27 PM
kulender$100.00$100.0012/13/2010 3:09:00 PM
rss197$25.00$25.0012/13/2010 3:09:45 PM
SimpleChoice$25.00$25.0012/13/2010 3:34:45 PM
finance_mba$25.00$25.0012/13/2010 3:24:50 PM
wonderful-dime$25.00$25.0012/13/2010 3:25:46 PM
AFairDeal$50.00$50.0012/13/2010 3:28:16 PM
intuitive-hope9$25.00$25.0012/13/2010 3:40:49 PM
indomitable-coin$50.00$50.0012/13/2010 3:06:30 PM
bid-czar8$71.14$71.1412/13/2010 3:30:17 PM
currency-cigar4$50.00$50.0012/13/2010 3:09:29 PM
handshake5$100.00$100.0012/13/2010 3:34:31 PM
bowdish1$50.00$50.0012/13/2010 3:35:46 PM
SNH$100.00$58.0112/13/2010 3:41:55 PM
brightest-affluence-motivator$50.00$50.0012/13/2010 3:23:42 PM
UT-Longhorn$25.00$25.0012/13/2010 3:25:21 PM
SiebirdLending$25.00$25.0012/13/2010 3:26:19 PM
ASR3$35.00$35.0012/13/2010 3:27:59 PM
Pulchritudinous$25.00$25.0012/13/2010 3:29:19 PM
Webpreneur$50.00$50.0012/13/2010 3:29:35 PM
superb-funds335$25.00$25.0012/13/2010 3:36:05 PM
investment-comet$25.00$25.0012/13/2010 3:36:19 PM
reflective-rupee$750.00$750.0012/13/2010 3:36:47 PM
economy-beast$75.00$75.0012/13/2010 4:58:59 PM
JustOneVoice$25.00$25.0012/13/2010 9:33:39 PM
green-unrivaled-felicity$25.00$25.0012/14/2010 4:25:47 PM
bentheretoo$125.00$125.0012/14/2010 8:55:49 PM
850$50.00$50.0012/14/2010 7:37:13 PM
Bank_Of_XL$50.00$50.0012/15/2010 6:21:10 AM
katnmouse$50.00$50.0012/15/2010 3:56:06 PM
auction-seeker$25.00$25.0012/15/2010 3:27:43 PM
foodgoeshere$50.00$50.0012/15/2010 9:34:34 AM
ajayne1953$100.00$100.0012/15/2010 9:00:43 PM
newest-funds-powerplant$50.00$50.0012/16/2010 3:49:21 PM
market-squadron3$25.00$25.0012/16/2010 3:54:42 PM
reflective-rupee$1,250.00$1,250.0012/16/2010 10:46:32 PM
Ven58$25.00$25.0012/17/2010 12:16:34 AM
terrific-return$25.00$25.0012/17/2010 9:44:36 AM
power-secret-agent$28.00$28.0012/17/2010 11:36:35 AM
spiff666$25.00$25.0012/17/2010 12:54:41 PM
ore-dojo$30.00$30.0012/17/2010 9:16:54 AM
mammalian4$25.00$25.0012/17/2010 4:38:17 PM
exchange-upholder0$25.00$25.0012/17/2010 11:28:53 AM
triumph329$29.32$29.3212/17/2010 12:56:38 PM
milo1000$25.00$25.0012/17/2010 4:36:37 PM
eagle6$25.00$25.0012/17/2010 2:22:49 PM
thankful-nickel2$25.00$25.0012/17/2010 8:03:09 PM
rainbowsorbet$25.00$25.0012/17/2010 10:16:21 PM
BuzzyBee336$30.00$30.0012/18/2010 8:58:16 AM
CS_987$25.00$25.0012/18/2010 12:21:42 PM
doc1$61.00$61.0012/19/2010 6:53:29 AM
dime-futurist$25.00$25.0012/19/2010 12:00:04 PM
wealth-grasshopper0$154.86$154.8612/18/2010 10:33:47 PM
heroic-payout9$29.80$29.8012/18/2010 8:24:59 AM
wwwUniversal$25.00$25.0012/18/2010 11:23:33 AM
mgking007$25.00$25.0012/19/2010 10:50:00 AM
loss-of-control$50.00$50.0012/19/2010 2:50:14 PM
japerk$25.00$25.0012/19/2010 3:05:41 PM
chlebie$25.00$25.0012/13/2010 3:08:07 PM
enthralling-deal180$50.00$50.0012/13/2010 3:05:43 PM
listing-trapper3$75.00$75.0012/13/2010 3:25:33 PM
meenan$50.00$50.0012/13/2010 3:26:03 PM
jamiee73$25.00$25.0012/13/2010 3:21:12 PM
Artist_Blue$25.00$25.0012/13/2010 3:33:16 PM
subtle-revenue0$25.00$25.0012/13/2010 3:23:30 PM
sci_guy$25.00$25.0012/13/2010 3:37:50 PM
selector568$50.00$50.0012/13/2010 3:10:20 PM
power-trophy7$25.00$25.0012/13/2010 3:36:43 PM
hopeful-truth5$100.00$100.0012/13/2010 3:23:01 PM
riskreward$100.00$100.0012/13/2010 3:24:25 PM
Bank42$50.00$50.0012/13/2010 3:25:05 PM
ray1051$50.00$50.0012/13/2010 3:27:10 PM
the-enterprising-leverage$25.00$25.0012/13/2010 3:31:01 PM
ichibon$250.00$250.0012/13/2010 3:31:40 PM
organized-payment6$50.00$50.0012/13/2010 3:35:02 PM
enthusiastic-balance5$200.00$200.0012/14/2010 5:59:14 AM
secureincome$50.00$50.0012/14/2010 6:36:39 AM
lendstats_com$300.00$300.0012/14/2010 10:40:01 AM
Sol_Invictus$25.00$25.0012/14/2010 10:53:59 AM
loanman2007$200.00$200.0012/14/2010 6:00:55 AM
JGuide$26.99$26.9912/14/2010 7:57:32 AM
top-radiant-funds$25.00$25.0012/14/2010 1:37:57 PM
rpg$35.00$35.0012/14/2010 7:03:26 PM
bankrushing$25.00$25.0012/15/2010 8:56:34 AM
vutah$25.00$25.0012/14/2010 10:22:36 PM
cerebral-dollar773$100.00$100.0012/15/2010 6:48:27 AM
Jim33$25.00$25.0012/16/2010 8:54:56 AM
fishcreek$100.00$100.0012/15/2010 11:16:49 PM
market-network$25.00$25.0012/16/2010 9:55:43 AM
NekHoldings$25.00$25.0012/16/2010 2:30:12 PM
scredneck$50.00$50.0012/16/2010 5:38:03 AM
ethicalhumanist$50.00$50.0012/16/2010 3:25:25 PM
economy-caper9$25.00$25.0012/16/2010 11:47:23 AM
goodhearted-gold3$50.00$50.0012/17/2010 6:27:55 AM
twerns$40.00$40.0012/17/2010 9:59:26 AM
Socorro_Capital_Partners$25.00$25.0012/16/2010 9:02:20 PM
economy-popcorn$25.00$25.0012/17/2010 2:05:02 PM
FinanceEngine$30.00$30.0012/17/2010 11:26:52 AM
mpatrick$25.00$25.0012/17/2010 5:21:11 PM
tedi-tif$40.00$40.0012/18/2010 9:47:37 AM
myidear$25.00$25.0012/18/2010 6:02:27 AM
gothampark$25.00$25.0012/18/2010 7:49:20 PM
squarebob$25.00$25.0012/19/2010 7:22:57 AM
dime-futurist$25.00$25.0012/19/2010 11:59:44 AM
GeorgiaGator$35.00$35.0012/18/2010 4:39:10 AM
Corellia$100.00$100.0012/19/2010 2:46:27 PM
bull_lender$35.88$35.8812/18/2010 8:03:04 PM
slwholesales$25.00$25.0012/19/2010 3:44:53 PM
gogrannygo$30.00$30.0012/19/2010 7:01:29 AM
gilbrear$25.00$25.0012/19/2010 7:59:10 AM
one-midas$100.00$100.0012/19/2010 7:28:30 AM
market-pudding$25.00$25.0012/19/2010 1:52:35 PM
113 bids
 
Borrower Payment Dependent Notes Series 487559
This series of Notes was issued and sold upon the funding of the borrower loan #46164, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-15-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $218.33
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1992 Debt/Income ratio: 13%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:21y 5m
Amount delinquent: $1,431 Total credit lines: 26 Occupation: Tradesman - Carpent...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,665Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: john0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 36 ( 97% ) 680-699 (Latest)
Principal borrowed: $5,700.00< 31 days late: 1 ( 3% )  
720-739 (Dec-2009)
720-739 (Aug-2008)
 
Principal balance: $2,465.19 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Unexpected Medical Bill
Purpose of loan:
This loan will be used to pay off a medical bill.? On October 14, 2010, my son had an accident.? He fell onto concrete and his two front teeth were shoved into his nasal cavity.? His upper jaw was crushed from the impact.? He had emergency surgery the next morning.? Because it was an accident, insurance covered most of the cost.? However, the placement of teeth was considered orthodontic and cosmetic.? That portion of the bill was S5000.00.? We are unable to pay this at this time.? Please help my family during this difficult economy so that we can get this bill paid.

My financial situation:
I am a good candidate for this loan because I have had three other loans with prosper and have always made timely payments.?

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 1150
??Insurance: $ 150
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 400
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 135
??Other expenses: $ 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kulender$50.00$50.0012/13/2010 3:08:46 PM
ASR3$35.00$35.0012/13/2010 3:29:00 PM
handshake5$100.00$100.0012/13/2010 3:34:13 PM
worthy-bid8$50.00$50.0012/13/2010 3:40:14 PM
TrekTune$25.00$25.0012/13/2010 3:55:13 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:55 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:04 PM
flanative$100.00$100.0012/13/2010 4:49:58 PM
jamiee73$25.00$25.0012/13/2010 3:48:06 PM
minddoc$25.00$25.0012/13/2010 3:50:14 PM
NR$25.00$25.0012/13/2010 3:51:15 PM
hope-hickory$25.00$25.0012/13/2010 3:57:31 PM
alexgalt$25.00$25.0012/13/2010 11:01:15 PM
DasMula$25.00$25.0012/13/2010 6:50:49 PM
blitzen40$30.00$30.0012/13/2010 9:17:31 PM
ideal-platinum1$25.00$25.0012/13/2010 11:13:09 PM
ukstevenhawaii$100.00$100.0012/13/2010 4:40:50 PM
greencat$50.00$50.0012/14/2010 7:50:06 AM
graceful-investment$25.00$25.0012/14/2010 7:06:31 AM
rss197$25.00$25.0012/14/2010 11:06:39 AM
DasMula$25.00$25.0012/13/2010 6:50:24 PM
DasMula$25.00$25.0012/13/2010 6:51:13 PM
money-bauble$25.00$25.0012/14/2010 9:02:23 AM
hc90474$25.00$25.0012/13/2010 8:26:50 PM
oreyedoc$32.66$32.6612/14/2010 2:31:37 PM
bid-czar8$100.00$100.0012/14/2010 11:53:10 AM
dedicated-transaction796$50.00$50.0012/14/2010 3:22:22 PM
FarmersBank$25.00$25.0012/14/2010 6:19:26 AM
bountiful-durability$100.00$100.0012/14/2010 4:08:12 PM
MikeyZ2008$69.59$69.5912/14/2010 4:07:46 PM
FeedTheMachine$47.39$47.3912/15/2010 1:01:14 AM
life-is-great$50.00$50.0012/15/2010 9:16:46 AM
trade-boots1$100.00$100.0012/15/2010 10:55:19 AM
momoney2lend$25.00$25.0012/15/2010 12:36:50 AM
orange-preeminant-bill$50.00$50.0012/15/2010 10:56:15 AM
Aragorn$25.00$25.0012/15/2010 10:57:24 AM
divedude$25.00$25.0012/15/2010 3:16:26 AM
moneyman369$50.00$50.0012/15/2010 7:02:02 AM
responsible-worth113$25.00$25.0012/15/2010 7:03:39 AM
greenback-guard$25.00$25.0012/15/2010 3:45:04 PM
astute-investment5$25.00$25.0012/15/2010 10:56:29 AM
contract-student2$50.00$50.0012/15/2010 2:56:15 PM
return-pumpkin7$25.00$6.2512/15/2010 3:03:36 PM
pembull$50.00$50.0012/13/2010 3:25:05 PM
EBITDA$25.00$25.0012/13/2010 3:07:14 PM
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:30 PM
ichibon$25.00$25.0012/13/2010 3:43:46 PM
simplelender80$100.00$100.0012/13/2010 3:31:23 PM
Interstate_Rate$100.00$100.0012/13/2010 3:37:15 PM
SNH$100.00$100.0012/13/2010 3:42:27 PM
Investoman$50.00$50.0012/13/2010 4:00:32 PM
Redmond$25.00$25.0012/13/2010 3:33:41 PM
reflective-rupee$300.00$300.0012/13/2010 3:44:01 PM
paytonbrigadier$250.00$250.0012/13/2010 3:50:20 PM
red-favorable-basis$25.00$25.0012/13/2010 5:35:28 PM
coin-bee1$50.00$50.0012/13/2010 3:53:03 PM
brother_tam$50.00$50.0012/13/2010 4:26:15 PM
scrappy-diversification7$78.71$78.7112/14/2010 12:51:43 AM
secureincome$290.29$290.2912/13/2010 7:01:51 PM
Kash2010lu$35.00$35.0012/13/2010 9:09:21 PM
income-sage9$25.00$25.0012/13/2010 10:01:41 PM
NekHoldings$25.00$25.0012/14/2010 7:51:00 AM
DasMula$25.00$25.0012/13/2010 6:50:37 PM
nickel-position$25.00$25.0012/14/2010 8:39:36 AM
jazzlender$25.00$25.0012/14/2010 11:31:42 AM
treasure-bliss$50.00$50.0012/14/2010 3:01:14 PM
SolarMoonshine$25.00$25.0012/14/2010 4:22:33 AM
symbiosis$50.00$50.0012/14/2010 4:02:11 PM
Gibbyland$29.19$29.1912/14/2010 3:18:28 PM
ThatDanGuy$100.00$100.0012/14/2010 4:02:24 PM
inspiring-reward$49.19$49.1912/14/2010 4:02:38 PM
tacopants$25.00$25.0012/14/2010 11:15:23 AM
eboomer2611$25.00$25.0012/14/2010 2:09:28 PM
benefit-trident$25.00$25.0012/14/2010 4:28:28 PM
JPMorrisLegacyFund$64.56$64.5612/14/2010 3:03:47 PM
gold-channel2$50.00$50.0012/14/2010 5:00:42 PM
Bob450$25.00$25.0012/14/2010 4:46:39 PM
musegaze$50.00$50.0012/14/2010 8:08:13 PM
investment-comet$25.00$25.0012/14/2010 6:16:50 PM
a-finance-nirvana$25.00$25.0012/15/2010 12:53:31 AM
organic-order$25.00$25.0012/15/2010 5:02:47 AM
ORcowboy$224.08$224.0812/15/2010 5:57:47 AM
martinnc$50.00$50.0012/15/2010 7:01:46 AM
bankrushing$27.85$27.8512/15/2010 9:06:11 AM
tranquil-return4$25.00$25.0012/15/2010 10:56:50 AM
Mariner3605$30.24$30.2412/15/2010 10:56:53 AM
payment-gusto$25.00$25.0012/15/2010 10:57:09 AM
stoopidnoodle$25.00$25.0012/15/2010 11:56:27 AM
dckpolo$50.00$50.0012/15/2010 9:34:49 AM
vigorous-velocity$50.00$50.0012/15/2010 10:56:19 AM
GInBaghdad$25.00$25.0012/15/2010 2:36:29 PM
twjh$25.00$25.0012/15/2010 7:09:13 AM
reward-adventure$50.00$50.0012/15/2010 2:55:45 PM
Tikibarman$100.00$100.0012/15/2010 9:34:04 AM
velocity-motivator6$25.00$25.0012/15/2010 10:53:05 AM
fair-peace7$25.00$25.0012/15/2010 10:56:23 AM
Comoparklender$25.00$25.0012/15/2010 12:11:27 PM
dollar-sonnet3$50.00$50.0012/15/2010 12:34:54 PM
98 bids
 
Borrower Payment Dependent Notes Series 487571
This series of Notes was issued and sold upon the funding of the borrower loan #46171, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $131.00
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $131.00
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2004 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,988Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: basis-jujitsu Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying credit cards
Purpose of loan:
This loan will be used to? pay 2 credit cards off and give son cash toward first car

My financial situation:
I am a good candidate for this loan because?
i pay my bills
Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 140
??Car expenses: $ 348
??Utilities: $ 400
??Phone, cable, internet: $ 130
??Food, entertainment: $ 0
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 150
??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 3:07:10 PM
kulender$50.00$50.0012/13/2010 3:08:47 PM
ASR3$35.00$35.0012/13/2010 3:28:59 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:02 PM
Redmond$25.00$25.0012/13/2010 3:33:39 PM
handshake5$100.00$100.0012/13/2010 3:34:15 PM
worthy-bid8$50.00$50.0012/13/2010 3:40:16 PM
NR$25.00$25.0012/13/2010 3:51:12 PM
hope-hickory$25.00$25.0012/13/2010 3:57:34 PM
Investoman$50.00$50.0012/13/2010 4:00:34 PM
Interstate_Rate$100.00$100.0012/13/2010 3:37:13 PM
income-sage9$25.00$25.0012/13/2010 10:01:42 PM
alexgalt$25.00$25.0012/13/2010 10:56:24 PM
nickel-position$25.00$25.0012/14/2010 8:38:06 AM
scrappy-diversification7$25.00$25.0012/14/2010 2:47:52 AM
secureincome$25.00$25.0012/13/2010 8:38:12 PM
jazzlender$25.00$25.0012/14/2010 11:31:44 AM
bid-czar8$59.69$59.6912/14/2010 3:04:27 PM
tech310$25.00$25.0012/14/2010 3:19:05 PM
bountiful-durability$50.91$50.9112/14/2010 3:31:16 PM
JPMorrisLegacyFund$35.00$35.0012/14/2010 4:08:01 PM
ThatDanGuy$100.00$100.0012/14/2010 4:08:19 PM
jamiee73$25.00$25.0012/14/2010 2:53:18 PM
dedicated-transaction796$48.60$48.6012/14/2010 3:22:23 PM
winmals$25.00$25.0012/15/2010 9:34:05 AM
sdcc72$25.00$25.0012/17/2010 3:25:26 PM
greenback-guard$25.00$25.0012/17/2010 4:33:29 PM
jakdwak$25.00$25.0012/18/2010 1:09:12 AM
skillful-asset5$25.00$25.0012/18/2010 10:09:50 AM
intuitive-velocity4$50.00$50.0012/18/2010 2:44:49 PM
thankful-nickel2$25.00$25.0012/18/2010 2:13:27 PM
Kash2010lu$25.00$25.0012/19/2010 12:05:59 PM
Wyatte$25.00$25.0012/19/2010 6:21:39 AM
transaction-circuit$50.00$50.0012/13/2010 3:22:53 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:56 PM
SNH$100.00$100.0012/13/2010 3:42:29 PM
coin-bee1$50.00$50.0012/13/2010 3:53:03 PM
TrekTune$25.00$25.0012/13/2010 3:55:15 PM
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:32 PM
simplelender80$100.00$100.0012/13/2010 3:31:24 PM
reflective-rupee$100.00$100.0012/13/2010 4:10:57 PM
ichibon$25.00$25.0012/13/2010 3:43:48 PM
paytonbrigadier$250.00$250.0012/13/2010 3:50:21 PM
minddoc$25.00$25.0012/14/2010 12:30:51 AM
hc90474$25.00$25.0012/13/2010 8:26:51 PM
daekpon$25.00$25.0012/14/2010 3:26:53 AM
foothillender$25.00$25.0012/14/2010 7:31:03 AM
money-bauble$25.00$25.0012/14/2010 9:02:25 AM
ukstevenhawaii$100.00$100.0012/14/2010 3:22:00 AM
SolarMoonshine$25.00$25.0012/14/2010 4:20:58 AM
graceful-investment$100.00$100.0012/14/2010 8:01:30 AM
retired272$25.00$25.0012/14/2010 1:14:05 PM
greencat$50.00$50.0012/14/2010 7:40:31 AM
rss197$25.00$25.0012/14/2010 11:06:40 AM
inspiring-reward$134.26$45.8012/14/2010 4:08:21 PM
108lender$150.00$150.0012/15/2010 5:32:09 PM
CASSHMAN$50.00$50.0012/15/2010 7:44:23 PM
chato2345$25.00$25.0012/16/2010 7:13:40 PM
terrific-dough6$50.00$50.0012/17/2010 9:18:19 AM
capital-kingdom$25.00$25.0012/18/2010 7:24:32 AM
kendallv$50.00$50.0012/18/2010 11:48:44 AM
marwadi-62$50.00$50.0012/18/2010 5:40:18 PM
RyanM561$25.00$25.0012/19/2010 1:09:43 PM
aztocas$25.00$25.0012/18/2010 11:25:56 AM
Bocephus1959$25.00$25.0012/19/2010 8:30:47 AM
65 bids
 
Borrower Payment Dependent Notes Series 487669
This series of Notes was issued and sold upon the funding of the borrower loan #46183, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-17-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $423.59
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $423.59
 
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: Jul-1987 Debt/Income ratio: 30%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 24 / 22Length of status:16y 10m
Amount delinquent: $0 Total credit lines: 61 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,335Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: iankeegansmom Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 36 ( 100% ) 760-779 (Latest)
Principal borrowed: $12,400.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Consolidation of Credit Cards
Purpose of loan: This loan will be used to consolidate balances on 3 credit cards. My financial situation: I am a good candidate for this loan because I'm currently paying on these cards on time as they are. This loan will lower my payments.I just paid off my first Prosper loan, so I'm looking forward to saving lots of money again.I also really like the fact that the interest I pay goes to individual people.The balances on these cards are from medical bills for my children.We've adopted 5 special needs children, two of whom receive no adoption support whatsoever.Our personal insurance is maxed out by April every year.The rest of the year goes on card cards so there's no interruption in their therapy.Both of these children are autistic and we're committed to helping them reach their fullest potential.
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)
Loan2Own$50.00$50.0012/13/2010 3:04:18 PM
tech310$50.00$50.0012/13/2010 3:07:29 PM
rss197$25.00$25.0012/13/2010 3:09:46 PM
indomitable-coin$50.00$50.0012/13/2010 3:06:31 PM
subtle-revenue0$25.00$25.0012/13/2010 3:23:31 PM
brightest-affluence-motivator$50.00$50.0012/13/2010 3:23:44 PM
Bank42$50.00$50.0012/13/2010 3:25:06 PM
Pulchritudinous$25.00$25.0012/13/2010 3:29:20 PM
Webpreneur$50.00$50.0012/13/2010 3:29:38 PM
jamiee73$25.00$25.0012/13/2010 3:21:10 PM
riskreward$100.00$100.0012/13/2010 3:24:28 PM
bowdish1$50.00$50.0012/13/2010 3:35:48 PM
UT-Longhorn$25.00$25.0012/13/2010 3:25:23 PM
listing-trapper3$75.00$75.0012/13/2010 3:25:35 PM
reflective-rupee$400.00$400.0012/13/2010 3:39:02 PM
ray1051$50.00$50.0012/13/2010 3:27:15 PM
ASR3$35.00$35.0012/13/2010 3:28:00 PM
the-enterprising-leverage$25.00$25.0012/13/2010 3:31:02 PM
SimpleChoice$25.00$25.0012/13/2010 3:34:44 PM
NR$25.00$25.0012/13/2010 3:50:38 PM
investment-comet$25.00$25.0012/13/2010 3:36:21 PM
red-unequivocal-finance$25.00$25.0012/13/2010 3:52:24 PM
reflective-rupee$400.00$400.0012/13/2010 3:38:35 PM
intuitive-hope9$25.00$25.0012/13/2010 3:40:51 PM
SNH$100.00$100.0012/13/2010 3:41:57 PM
meenan$50.00$50.0012/13/2010 3:26:04 PM
AFairDeal$50.00$50.0012/13/2010 3:28:18 PM
fortytwo$100.00$100.0012/13/2010 3:54:14 PM
LoisLoan$25.00$25.0012/13/2010 3:54:24 PM
handshake5$100.00$100.0012/13/2010 3:34:34 PM
richboy56$25.00$25.0012/13/2010 3:42:57 PM
113121$25.00$25.0012/13/2010 7:34:36 PM
Brown98$50.00$50.0012/13/2010 8:31:02 PM
platinum-celebration4$25.00$25.0012/13/2010 5:19:17 PM
superb-funds335$25.00$25.0012/14/2010 1:11:18 AM
Danjack_Capital$25.00$25.0012/13/2010 10:49:45 PM
granitepk$50.00$50.0012/13/2010 5:18:24 PM
laufer32304$50.00$50.0012/14/2010 5:41:39 AM
bold-treasure-neutrino$100.00$100.0012/14/2010 9:39:43 AM
jazzlender$25.00$25.0012/14/2010 5:47:29 AM
thesage$50.00$50.0012/14/2010 6:28:00 AM
MoneyForNothing$49.48$49.4812/13/2010 10:49:59 PM
create42xn$25.84$25.8412/14/2010 12:01:26 PM
thestartuplender$50.00$50.0012/14/2010 3:03:56 PM
hope-hickory$25.00$25.0012/14/2010 1:12:30 AM
sci_guy$25.00$25.0012/14/2010 1:14:12 AM
Ripsaw4U$50.00$50.0012/14/2010 5:47:24 AM
secureincome$25.00$25.0012/14/2010 7:03:46 AM
agwosdof$100.00$100.0012/14/2010 3:49:29 PM
radforj22$25.00$25.0012/14/2010 11:29:47 AM
eagle6$50.00$50.0012/14/2010 1:48:48 PM
Prosp_Lender$25.29$25.2912/14/2010 3:02:10 PM
reflective-rupee$200.00$200.0012/14/2010 3:23:15 PM
elfincove$50.00$50.0012/15/2010 7:23:12 AM
witty-openness$25.00$25.0012/15/2010 4:36:56 AM
euro-marble$50.00$50.0012/15/2010 9:33:12 AM
dckpolo$50.00$50.0012/15/2010 9:33:24 AM
108lender$150.00$150.0012/15/2010 12:49:38 PM
rcmso$100.00$100.0012/15/2010 9:35:54 AM
Mariner3605$100.00$100.0012/15/2010 4:23:44 PM
dunox$50.00$50.0012/15/2010 4:24:44 PM
objective-investor$39.48$39.4812/15/2010 5:08:56 PM
astute-investment5$25.00$25.0012/15/2010 5:16:31 PM
skuba$25.00$25.0012/15/2010 6:02:40 PM
worthy-bid8$100.00$100.0012/15/2010 4:05:23 PM
goodhearted-gold3$50.00$50.0012/15/2010 1:11:48 PM
kind-adventurous-finance$50.00$50.0012/15/2010 4:07:27 PM
trade-boots1$100.00$100.0012/15/2010 4:24:49 PM
melodious-fairness$30.62$30.6212/15/2010 8:32:21 PM
CapitolHill$25.00$25.0012/15/2010 3:26:43 PM
a-responsible-return$50.00$50.0012/15/2010 11:38:43 PM
building_community$25.00$25.0012/16/2010 12:34:37 AM
compwhiz$25.00$25.0012/16/2010 4:48:36 AM
one-midas$50.00$50.0012/16/2010 5:08:55 AM
Headhunter14$25.00$25.0012/16/2010 6:02:10 AM
Gabriel02$25.00$25.0012/16/2010 6:22:55 AM
Steveoo1$25.00$25.0012/16/2010 7:03:01 AM
Papa_Mema$25.00$25.0012/16/2010 7:13:57 AM
historic-nickel$25.00$25.0012/16/2010 7:16:34 AM
native68$50.00$50.0012/15/2010 4:09:03 PM
compsciman$25.00$25.0012/16/2010 8:07:18 AM
haplender$50.00$50.0012/16/2010 8:16:27 AM
haidoken$38.46$38.4612/16/2010 8:38:21 AM
banker65010$25.00$25.0012/16/2010 8:42:01 AM
authentic-liberty7$25.00$25.0012/16/2010 8:47:15 AM
divedude$25.00$25.0012/16/2010 9:02:41 AM
selfmademan$25.00$25.0012/16/2010 9:35:18 AM
ptjg$50.00$50.0012/16/2010 2:23:00 AM
inspirationfoundation$25.00$25.0012/16/2010 9:46:45 AM
reflective-rupee$500.00$500.0012/16/2010 10:01:54 AM
respectful-integrity3$25.00$25.0012/16/2010 5:27:19 AM
bambampk$25.00$25.0012/16/2010 7:21:45 AM
saschar$25.00$25.0012/16/2010 7:46:45 AM
ThomasC$37.00$37.0012/16/2010 7:51:27 AM
MrBailey$25.00$25.0012/16/2010 7:51:35 AM
murspot$65.00$65.0012/16/2010 8:55:49 AM
CAGE-Investments$25.00$25.0012/16/2010 10:01:24 AM
julijask$35.00$35.0012/16/2010 12:37:13 AM
JLChamberlain$25.00$25.0012/16/2010 4:29:08 AM
ahansen$40.00$40.0012/16/2010 7:42:50 AM
discrete-asset$25.00$25.0012/16/2010 7:44:08 AM
SajDiddy$27.84$27.8412/16/2010 7:51:34 AM
brother_tam$45.52$45.5212/16/2010 8:01:30 AM
GreenNotes$30.00$30.0012/16/2010 8:26:14 AM
emphatic-deal5$39.36$39.3612/16/2010 8:37:39 AM
vigilance-revolutionary$46.06$46.0612/16/2010 8:54:04 AM
jubilant-fund6$25.00$25.0012/16/2010 9:02:40 AM
cberthiaume$25.00$25.0012/16/2010 9:29:04 AM
rcldesign$25.00$25.0012/16/2010 9:49:03 AM
well-mannered-marketplace5$25.00$25.0012/16/2010 9:55:06 AM
stoopidnoodle$25.00$25.0012/16/2010 10:09:41 AM
listing-vista$100.00$100.0012/16/2010 10:09:46 AM
RKLFinancial$25.00$25.0012/16/2010 12:17:42 PM
economy-popcorn$25.00$25.0012/16/2010 12:36:32 PM
trajames$50.00$50.0012/16/2010 7:03:36 PM
reflective-rupee$1,000.00$1,000.0012/16/2010 10:34:47 PM
hopeful-truth5$100.00$100.0012/13/2010 3:23:03 PM
finance_mba$25.00$25.0012/13/2010 3:24:53 PM
wonderful-dime$25.00$25.0012/13/2010 3:25:47 PM
enthralling-deal180$50.00$50.0012/13/2010 3:05:44 PM
careful-note$100.00$100.0012/13/2010 3:07:44 PM
chlebie$25.00$25.0012/13/2010 3:08:09 PM
ichibon$250.00$250.0012/13/2010 3:31:43 PM
kulender$100.00$100.0012/13/2010 3:09:01 PM
Artist_Blue$25.00$25.0012/13/2010 3:33:15 PM
cagcrash$75.00$75.0012/13/2010 3:46:37 PM
currency-cigar4$50.00$50.0012/13/2010 3:09:33 PM
benefit-squirrel$30.00$30.0012/13/2010 3:49:40 PM
organized-payment6$50.00$50.0012/13/2010 3:35:04 PM
macjp123$25.00$25.0012/13/2010 3:51:54 PM
SiebirdLending$25.00$25.0012/13/2010 3:26:21 PM
power-trophy7$25.00$25.0012/13/2010 3:36:47 PM
money-bauble$25.00$25.0012/13/2010 4:27:22 PM
flanative$100.00$100.0012/13/2010 3:47:42 PM
GElender$75.00$75.0012/13/2010 5:17:55 PM
reward-motion$50.00$50.0012/13/2010 3:53:18 PM
JustMee$25.00$25.0012/13/2010 5:56:31 PM
rupeeapult$50.00$50.0012/13/2010 6:36:50 PM
Investoman$100.00$100.0012/13/2010 4:00:12 PM
the-bright-velocity$25.00$25.0012/13/2010 5:18:53 PM
the-profit-oracle$25.00$25.0012/14/2010 1:17:07 AM
the-kindness-honker$25.00$25.0012/13/2010 10:45:29 PM
diversification-medalist$25.00$25.0012/13/2010 11:42:16 PM
bid-czar8$34.48$34.4812/13/2010 4:49:08 PM
generous-deal6$25.00$25.0012/14/2010 1:42:03 AM
investment-artist$50.00$50.0012/14/2010 9:02:37 AM
Aberdeen$999.99$999.9912/14/2010 6:34:16 AM
Sol_Invictus$25.00$25.0012/14/2010 10:55:02 AM
gold-blanket0$25.00$25.0012/14/2010 2:45:39 PM
competent-p2p$75.00$75.0012/14/2010 7:45:13 AM
moneybags16$25.81$25.8112/14/2010 1:04:22 PM
rpg$35.00$35.0012/14/2010 7:10:20 PM
visionary-currency$50.00$50.0012/14/2010 8:39:42 PM
BigLinCT$25.00$25.0012/15/2010 7:17:35 AM
blue-useful-auction$25.00$25.0012/15/2010 8:22:17 AM
gold-channel2$25.00$25.0012/15/2010 10:57:41 AM
velocity-solo$25.00$25.0012/15/2010 1:16:44 AM
gotbyu$25.00$25.0012/15/2010 2:54:43 PM
unequaled-deal3$25.00$25.0012/15/2010 9:32:59 AM
Tikibarman$100.00$100.0012/15/2010 9:34:28 AM
income-excellence1$50.00$50.0012/15/2010 12:59:33 PM
ac787$25.00$25.0012/15/2010 5:19:50 PM
first-upright-payout$25.00$25.0012/15/2010 11:15:11 PM
graceful-investment$50.85$50.8512/16/2010 12:53:56 AM
powerful-finance7$25.00$25.0012/16/2010 12:58:36 AM
ClearLake$25.00$25.0012/16/2010 4:21:31 AM
DcUnited$30.00$30.0012/16/2010 5:41:53 AM
riproaringrapids$25.00$25.0012/16/2010 5:56:26 AM
peace-maximizer8$25.00$25.0012/16/2010 6:17:20 AM
the-dollar-topper$100.00$100.0012/15/2010 4:07:31 PM
UncleSteve3000$25.00$25.0012/16/2010 8:26:18 AM
mtquan$25.00$25.0012/16/2010 8:31:44 AM
efficient-marketplace$50.00$50.0012/16/2010 8:37:41 AM
neutrino6$25.00$25.0012/16/2010 9:35:24 AM
wayman$50.00$50.0012/15/2010 4:24:59 PM
reflective-rupee$500.00$500.0012/16/2010 10:19:54 AM
williemc44$25.00$25.0012/16/2010 5:56:30 AM
MarinLoans$25.00$25.0012/16/2010 6:02:03 AM
favorite-funds8$25.00$25.0012/16/2010 7:21:40 AM
kanewna$50.00$50.0012/16/2010 7:31:57 AM
schpere$50.00$50.0012/16/2010 7:44:15 AM
Havana21$200.00$200.0012/15/2010 9:31:35 PM
jescowa$40.78$40.7812/16/2010 9:28:57 AM
gold-sushi$25.00$25.0012/16/2010 9:33:26 AM
fishcreek$100.00$100.0012/15/2010 11:19:24 PM
PaulW$25.00$25.0012/16/2010 9:54:45 AM
fob$25.00$25.0012/16/2010 12:37:36 AM
ktradtke$25.00$25.0012/16/2010 4:38:23 AM
natural-affluence4$25.00$25.0012/16/2010 5:41:44 AM
rudyindc$25.00$25.0012/16/2010 5:56:33 AM
midde551$50.00$50.0012/16/2010 5:56:38 AM
626457$25.00$25.0012/16/2010 6:02:09 AM
CaptainBlueberry$25.00$25.0012/16/2010 7:44:09 AM
balance-voyager$50.00$50.0012/16/2010 8:07:30 AM
IIP77$25.00$25.0012/16/2010 8:41:32 AM
Bookophile$52.53$52.5312/16/2010 8:41:45 AM
treasure-dreamer7$50.00$50.0012/16/2010 8:56:19 AM
ss2020$50.00$50.0012/16/2010 9:32:20 AM
revenue-channel8$25.00$25.0012/16/2010 9:50:49 AM
Frenchynh$25.00$25.0012/16/2010 10:01:42 AM
lcole32$41.53$41.5312/16/2010 10:09:40 AM
PatriotKnight$25.00$25.0012/16/2010 10:09:44 AM
ferdberfel$41.86$24.0812/16/2010 10:09:48 AM
203 bids
 
Borrower Payment Dependent Notes Series 487779
This series of Notes was issued and sold upon the funding of the borrower loan #46168, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.70% Auction start date:  Dec-15-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 18.65% Starting borrower rate/APR: 19.65% / 23.04% Starting monthly payment: $258.90
Final lender yield: 18.65% Final borrower rate/APR: 19.65% / 23.04% Final monthly payment: $258.90
 
Auction yield range: 7.51% - 18.65% Estimated loss impact: 8.13%  
Lender servicing fee: 1.00% Estimated return: 10.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1985 Debt/Income ratio: 65%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 27 / 26Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 74 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,927Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: bigmomma6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 800-819 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2008)
 
Principal balance: $1,128.49 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Relocation and Credit Cards
Purpose of loan:
This loan will be used to assist my daughter in relocating out of state and consolidation of credit cards.

My financial situation:
I am a good candidate for this loan because I have had a prior loan with Prosper and am in good standing in repaying it.

Monthly net income: $ 6,000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 250.00
??Car expenses: $ 930
??Utilities: $ 250
??Phone, cable, internet: $ 50
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, your current debt to income ratio is 65%. Your revolving credit is only $5000. What are your other debts? Thanks and good luck. - interest88
A: My daughter is moving out of state for her first teaching job and is strapped for money to get there, setup in an apartment and cover expenses for the first month or so. Some of this money will go to assist her until she can get situated and pay us back. (Dec-17-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Tc11902$25.00$25.0012/15/2010 3:52:32 PM
careful-note$100.00$100.0012/15/2010 3:55:05 PM
riskreward$100.00$100.0012/15/2010 3:56:41 PM
AFairDeal$50.00$50.0012/15/2010 3:58:24 PM
intuitive-hope9$25.00$25.0012/15/2010 4:01:58 PM
richboy56$25.00$25.0012/15/2010 4:02:19 PM
reward-motion$50.00$50.0012/15/2010 4:03:10 PM
euro-marble$50.00$50.0012/15/2010 4:05:51 PM
tolerant-dinero2$25.00$25.0012/15/2010 4:06:53 PM
serene-integrity4$25.00$25.0012/15/2010 4:08:14 PM
tech310$50.00$50.0012/15/2010 3:52:53 PM
ichibon$75.00$75.0012/15/2010 3:54:56 PM
SiebirdLending$25.00$25.0012/15/2010 3:58:04 PM
Webpreneur$50.00$50.0012/15/2010 3:58:40 PM
power-trophy7$25.00$25.0012/15/2010 4:01:39 PM
JustMee$25.00$25.0012/15/2010 5:49:40 PM
fortytwo$300.00$300.0012/15/2010 4:03:13 PM
kc8fot$50.00$50.0012/15/2010 4:04:25 PM
BigLinCT$25.00$25.0012/15/2010 4:05:43 PM
income-excellence1$50.00$50.0012/15/2010 4:07:49 PM
bid-czar8$100.00$100.0012/15/2010 4:08:09 PM
top-courteous-peso$100.00$100.0012/15/2010 4:22:02 PM
Danjack_Capital$25.00$25.0012/15/2010 4:52:21 PM
enthusiastic-balance5$100.00$100.0012/15/2010 3:51:52 PM
enthralling-deal180$50.00$50.0012/15/2010 3:52:28 PM
rss197$25.00$25.0012/15/2010 3:52:43 PM
investment-comet$25.00$25.0012/15/2010 3:53:12 PM
listing-trapper3$75.00$75.0012/15/2010 3:57:30 PM
the-enterprising-leverage$25.00$25.0012/15/2010 3:59:05 PM
bowdish1$50.00$50.0012/15/2010 4:01:17 PM
cagcrash$75.00$75.0012/15/2010 4:02:25 PM
NR$25.00$25.0012/15/2010 4:02:48 PM
macjp123$25.00$25.0012/15/2010 4:03:00 PM
visionary-currency$50.00$50.0012/15/2010 4:04:57 PM
CapitolHill$25.00$25.0012/15/2010 4:08:55 PM
rubylender$25.00$25.0012/16/2010 8:33:44 AM
valiant-liberty4$25.00$25.0012/15/2010 4:24:38 PM
nickel-hickory$50.00$50.0012/15/2010 4:56:44 PM
reflective-rupee$200.00$200.0012/15/2010 5:04:42 PM
tomdooley12520$25.00$25.0012/16/2010 4:37:27 AM
Trakissta$300.00$300.0012/15/2010 6:41:18 PM
CASSHMAN$150.00$150.0012/15/2010 7:50:01 PM
leverage-gravitas$25.00$25.0012/15/2010 7:59:03 PM
FairbairnSG$50.00$50.0012/15/2010 8:16:59 PM
ptjg$50.00$50.0012/16/2010 2:23:01 AM
Mr-Miracle$25.01$25.0112/16/2010 10:31:21 AM
fabulous-community4$25.00$25.0012/16/2010 3:48:54 PM
terrific-dough6$50.00$50.0012/17/2010 9:20:33 AM
fund-widget$30.00$30.0012/17/2010 9:40:08 AM
liberty-thinker$25.00$25.0012/17/2010 1:54:53 PM
economy-popcorn$25.00$25.0012/17/2010 2:28:12 PM
bluflame9940$25.00$25.0012/17/2010 7:12:48 AM
4mydaughterseducation$25.00$25.0012/17/2010 7:31:27 PM
thankful-nickel2$25.00$25.0012/17/2010 7:51:37 PM
loyalty-czar$80.97$80.9712/18/2010 9:59:08 AM
Occhy$25.00$25.0012/18/2010 10:53:40 AM
grampy48$35.00$35.0012/17/2010 5:13:14 PM
heerzaquestion$25.00$25.0012/19/2010 9:51:08 AM
william8$25.00$25.0012/18/2010 3:44:35 PM
auction-seeker$25.00$25.0012/19/2010 6:24:24 AM
ready-agreement5$300.00$300.0012/18/2010 7:45:15 PM
one-midas$50.00$50.0012/19/2010 7:21:18 AM
outofoffice$93.43$93.4312/19/2010 3:44:24 PM
Bank42$50.00$50.0012/15/2010 3:56:25 PM
wonderful-dime$25.00$25.0012/15/2010 3:57:43 PM
SNH$100.00$100.0012/15/2010 4:02:05 PM
jamiee73$25.00$25.0012/15/2010 3:52:40 PM
handshake5$100.00$100.0012/15/2010 3:53:23 PM
jazzlender$25.00$25.0012/15/2010 3:53:52 PM
kulender$50.00$50.0012/15/2010 3:54:33 PM
brightest-affluence-motivator$50.00$50.0012/15/2010 3:56:33 PM
finance_mba$25.00$25.0012/15/2010 3:56:55 PM
meenan$50.00$50.0012/15/2010 3:57:51 PM
promise2$50.00$50.0012/15/2010 4:24:12 PM
ASR3$35.00$35.0012/15/2010 3:58:17 PM
Artist_Blue$25.00$25.0012/15/2010 4:00:17 PM
secureincome$150.00$150.0012/15/2010 5:32:53 PM
benefit-squirrel$30.00$30.0012/15/2010 4:02:39 PM
dckpolo$50.00$50.0012/15/2010 4:06:01 PM
Tikibarman$100.00$100.0012/15/2010 4:06:17 PM
GElender$75.00$75.0012/15/2010 4:18:16 PM
reflective-rupee$200.00$200.0012/15/2010 5:04:22 PM
indomitable-coin$50.00$50.0012/15/2010 3:52:34 PM
SimpleChoice$25.00$25.0012/15/2010 4:01:03 PM
Investoman$25.00$25.0012/15/2010 4:02:31 PM
Sol_Invictus$25.00$25.0012/16/2010 6:46:40 AM
radforj22$25.00$25.0012/15/2010 4:04:07 PM
the-profit-oracle$25.00$25.0012/15/2010 4:05:13 PM
lovely-order7$25.00$25.0012/15/2010 4:19:42 PM
lucrative-loan$50.00$50.0012/16/2010 12:44:14 AM
chlebie$25.00$25.0012/16/2010 12:46:08 AM
revenue-channel8$25.00$25.0012/16/2010 9:52:54 AM
reflective-rupee$200.00$200.0012/15/2010 5:04:03 PM
reflective-rupee$400.00$400.0012/16/2010 10:32:00 AM
NekHoldings$25.00$25.0012/16/2010 6:11:07 AM
bold-treasure-neutrino$50.00$27.9312/16/2010 7:14:10 AM
money-bauble$25.00$25.0012/15/2010 8:27:38 PM
a-responsible-return$50.00$50.0012/15/2010 11:39:01 PM
108lender$96.66$96.6612/16/2010 3:56:54 AM
yield-lion2$25.00$25.0012/16/2010 3:48:57 PM
market-squadron3$25.00$25.0012/16/2010 3:54:46 PM
commitment-symphony9$25.00$25.0012/16/2010 7:42:53 PM
ChoiceInvestments$26.00$26.0012/17/2010 10:19:50 AM
mikeandcat$100.00$100.0012/16/2010 5:57:36 PM
competent-p2p$100.00$100.0012/17/2010 10:33:41 AM
ONECENTATATIME$50.00$50.0012/16/2010 6:14:43 PM
mammalian4$25.00$25.0012/16/2010 10:35:48 PM
the-kindness-honker$25.00$25.0012/16/2010 11:39:04 PM
c-gurista-5$25.00$25.0012/17/2010 1:54:08 PM
FinanceEngine$30.00$30.0012/17/2010 11:30:20 AM
jchurchi$25.00$25.0012/17/2010 1:12:36 PM
Scotcha$50.00$50.0012/17/2010 2:39:35 PM
wise-repayment-seeker$25.00$25.0012/17/2010 10:34:39 PM
Ven58$25.00$25.0012/18/2010 12:48:10 AM
chameleon125$150.00$150.0012/18/2010 10:00:59 AM
d_grbg$25.00$25.0012/18/2010 10:06:20 AM
BangBros$100.00$100.0012/18/2010 7:21:12 PM
tedi-tif$40.00$40.0012/19/2010 1:07:57 PM
adir1$25.00$25.0012/18/2010 5:57:08 AM
119 bids
 
Borrower Payment Dependent Notes Series 487793
This series of Notes was issued and sold upon the funding of the borrower loan #46180, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,800.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $165.93
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $165.93
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-2009 Debt/Income ratio: 18%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $364Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: orange-sublime-p2ploan Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off my school
Purpose of loan:
This loan will be used to pay for my school

My financial situation:
I am a good candidate for this loan because I have a permanent job

Monthly net income: $ 1000

Monthly expenses: $ 500
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $100
??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)
EBITDA$25.00$25.0012/14/2010 4:14:14 PM
NR$25.00$25.0012/14/2010 4:31:31 PM
Investoman$50.00$50.0012/14/2010 4:32:53 PM
DonaldColorado$50.00$50.0012/14/2010 4:25:02 PM
diplomatic-wealth7$25.00$25.0012/14/2010 4:25:14 PM
jazzlender$25.00$25.0012/14/2010 4:36:03 PM
Artist_Blue$25.00$25.0012/14/2010 4:26:08 PM
rss197$25.00$25.0012/14/2010 4:35:20 PM
dedicated-transaction796$50.00$50.0012/14/2010 4:36:36 PM
handshake5$100.00$100.0012/14/2010 4:16:12 PM
ASR3$35.00$35.0012/14/2010 4:24:40 PM
simplelender80$100.00$100.0012/14/2010 4:25:44 PM
FinDoc$30.00$30.0012/15/2010 1:52:51 PM
Redmond$25.00$25.0012/15/2010 2:55:30 PM
divedude$25.00$25.0012/15/2010 3:16:40 AM
108lender$150.00$150.0012/15/2010 5:32:25 PM
graceful-investment$96.75$96.7512/15/2010 3:03:35 PM
moola-wildebeest3$25.00$25.0012/16/2010 3:18:18 AM
bid-czar8$43.82$43.8212/16/2010 7:46:42 AM
gotjack$25.00$25.0012/16/2010 12:31:28 AM
richboy56$25.00$25.0012/16/2010 7:59:46 AM
economy-lotus$100.00$100.0012/16/2010 9:31:49 AM
ingenious-deal6$25.00$25.0012/15/2010 10:01:49 PM
HedgeFund$50.00$50.0012/16/2010 10:44:02 AM
ukstevenhawaii$25.00$25.0012/16/2010 1:09:50 PM
power-trophy7$50.00$50.0012/16/2010 3:56:29 PM
FerventOne$32.11$32.1112/16/2010 2:52:33 PM
treasure-bliss$50.00$50.0012/17/2010 4:45:47 AM
a-finance-nirvana$25.00$25.0012/17/2010 12:57:39 AM
famous-bill$25.00$25.0012/17/2010 4:45:36 AM
inspiring-reward$74.14$35.5412/17/2010 4:45:51 AM
the-dollar-topper$25.00$25.0012/17/2010 12:31:45 AM
vine99$40.00$40.0012/18/2010 11:52:50 AM
kendallv$50.00$50.0012/18/2010 12:08:19 PM
kulender$50.00$50.0012/14/2010 4:14:54 PM
SNH$100.00$100.0012/14/2010 4:29:15 PM
paytonbrigadier$250.00$250.0012/14/2010 4:31:04 PM
nickel-hickory$50.00$50.0012/14/2010 4:34:33 PM
coin-bee1$50.00$50.0012/14/2010 4:32:01 PM
secureincome$200.00$200.0012/14/2010 5:18:12 PM
ichibon$25.00$25.0012/14/2010 4:56:51 PM
musegaze$38.78$38.7812/14/2010 8:08:22 PM
Tikibarman$100.00$100.0012/15/2010 9:34:18 AM
reflective-rupee$200.00$200.0012/15/2010 10:04:55 AM
buffalobills$25.00$25.0012/15/2010 7:37:43 AM
organic-order$25.00$25.0012/15/2010 5:02:43 AM
money-bauble$100.00$100.0012/15/2010 2:54:52 PM
Interstate_Rate$100.00$100.0012/15/2010 9:51:58 AM
SolarMoonshine$25.00$25.0012/15/2010 3:59:49 PM
worthy-bid8$50.00$50.0012/15/2010 12:49:10 PM
green-thoughtful-yield$100.00$100.0012/15/2010 9:40:26 PM
income-sage9$25.00$25.0012/15/2010 5:37:51 PM
JPMorrisLegacyFund$58.00$58.0012/16/2010 4:31:25 AM
Chris97$50.00$50.0012/16/2010 11:26:52 AM
PaulW$25.00$25.0012/16/2010 9:54:15 AM
reward-adventure$50.00$50.0012/16/2010 2:56:24 PM
orange-influential-credit$50.00$50.0012/16/2010 5:28:19 AM
wanna-help$50.00$50.0012/16/2010 3:25:14 PM
arampata$25.00$25.0012/17/2010 3:12:09 AM
greenkid$25.00$25.0012/17/2010 9:17:52 AM
reflective-rupee$300.00$300.0012/16/2010 11:17:51 PM
symbiosis$50.00$50.0012/17/2010 4:45:40 AM
invest-in-ed$40.00$40.0012/18/2010 8:28:52 AM
Bocephus1959$25.00$25.0012/19/2010 8:32:22 AM
mammalian4$25.00$25.0012/19/2010 3:26:37 PM
65 bids
 
Borrower Payment Dependent Notes Series 487797
This series of Notes was issued and sold upon the funding of the borrower loan #46176, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-15-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $288.60
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $288.60
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2000 Debt/Income ratio: 22%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,392Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: silverstone1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,200.00< 31 days late: 0 ( 0% )  
740-759 (Jun-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Consolidate Debt
Purpose of loan:
This loan will be used to pay off high interest credit card debt and the remaining $1,500 on my auto loan: immediately freeing up an additional $250 a month. I am looking to control the amount paid in interest with a fixed interest rate and static, monthly payment.

My financial situation:
I am a good candidate for this loan; my credit score is very important. I am currently paying between $600 - 800 a month in aggressive credit card payments to reign in the the interest charges and return it back to 750. As noted, my auto loan is $250 a month as well with a $1,500 balance. I will pay this off immediately and free up $250 cash each month. I also just completed a loan with Prosper with 100% success. This has freed up an additional $133 starting Jan. 2011. I am in this current situation as the result of a series of unfortunate circumstances which happened all within the short time period last year. Despite any outstanding circumstances, I have never missed any credit or loan payments.? The reduction of my A credit score to the current D is only the result of increased balance from unexpected costs, spiraling interests rates, and the loss of approximately $3,000 in available credit due to inactivity ( i stopped using cards ); there are no negative items in my credit score.? I intend to use this loan to return my credit score to its rightful place at the 750 range.

Monthly net income: $ $2,800 ( with a $2,500 bonus in February )

Monthly expenses: $ 1,580 with minimum credit card payments; i pay out generally about $2,080 total with aggressive payments.
??Housing: $ 650
??Insurance: $ 180
??Car expenses: $ I do all my own maintenance and live 2 miles from work. Gas: $70 a month
??Utilities: $ 80
??Phone, cable, internet: $ 50
??Food, entertainment: $ 150 ( i refuse to eat out until my debt is under control, i mostly cook at home and make lunch at work).
??Clothing, household expenses $ 50
??Credit cards and other loans: $ pay off approximately $600 a month in credit debt ( roughly $100 in minimum payments ) and $250 on auto payment
??Other expenses:
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Do you anticipate any Major Life Events during the next 12 months? This would include marriage, divorce, change in employment or employment status, declaring bankruptcy, large purchases (house/car size). Thanks and good luck. - CaribbeanBanker
A: I do not anticipate anything major during the next 12 months, nor do i have any major plans. The answer to each of your listed items is no. (Dec-19-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
simplelender80$100.00$100.0012/15/2010 3:59:10 PM
mercuriant$25.00$25.0012/15/2010 4:06:25 PM
handshake5$100.00$100.0012/15/2010 3:53:14 PM
impeccable-transparency$150.00$150.0012/15/2010 3:55:43 PM
hopeful-truth5$100.00$100.0012/15/2010 3:58:13 PM
Artist_Blue$25.00$25.0012/15/2010 3:59:36 PM
reflective-rupee$200.00$200.0012/15/2010 5:07:29 PM
lendstats_com$200.00$200.0012/15/2010 5:11:56 PM
fuzed$50.00$50.0012/15/2010 5:53:34 PM
MoneyForNothing$36.32$36.3212/15/2010 7:16:56 PM
Chesterite$25.00$25.0012/15/2010 8:38:16 PM
twjh$25.00$25.0012/15/2010 6:28:19 PM
Trakissta$300.00$300.0012/15/2010 6:42:18 PM
B-rad_the_Coug$25.00$25.0012/15/2010 3:53:10 PM
luminous-payout6$25.00$25.0012/15/2010 7:14:43 PM
thankful-nickel2$25.00$25.0012/15/2010 7:16:06 PM
Skeptical-one$31.00$31.0012/15/2010 3:54:48 PM
green-rapid-openness$100.00$100.0012/15/2010 8:42:25 PM
laidback59$51.66$51.6612/16/2010 9:10:58 AM
loanman2007$250.00$250.0012/16/2010 5:32:44 AM
bold-treasure-neutrino$50.00$50.0012/16/2010 7:04:05 AM
RKLFinancial$25.00$25.0012/16/2010 12:21:29 PM
nimble-nickel$50.00$50.0012/16/2010 12:26:57 PM
investment-daydream$25.00$25.0012/16/2010 1:31:33 PM
navstox$25.00$25.0012/16/2010 2:38:25 PM
penny-plato$25.00$25.0012/16/2010 8:28:58 AM
Mr-Miracle$25.01$25.0112/16/2010 10:28:51 AM
finance-prescription$50.00$50.0012/16/2010 3:53:13 PM
credit-birch$63.00$63.0012/16/2010 6:42:10 PM
_SCI_$25.00$25.0012/17/2010 12:11:52 AM
terrific-return$25.00$25.0012/17/2010 9:47:14 AM
Mrgiggleswic$90.93$90.9312/17/2010 5:54:17 AM
sdcc72$25.00$25.0012/17/2010 3:22:15 PM
CASSHMAN$75.00$75.0012/17/2010 4:42:52 PM
hellasow$25.00$25.0012/17/2010 8:49:51 PM
grampy48$50.00$50.0012/17/2010 5:03:23 PM
fabulous-community4$25.00$25.0012/18/2010 2:53:40 AM
Jerrys1951$30.00$30.0012/17/2010 5:01:47 PM
hard-working-gain2$25.03$25.0312/17/2010 5:06:58 PM
SFBank$300.00$300.0012/17/2010 6:50:24 PM
investmentgroup$25.00$25.0012/18/2010 9:41:25 AM
p2ploan-sensation211$25.00$25.0012/17/2010 7:59:22 PM
kendallv$25.00$25.0012/17/2010 10:27:49 PM
OldProp$25.00$25.0012/18/2010 12:11:30 PM
william8$25.00$25.0012/18/2010 3:45:42 PM
arenangelchild$50.00$50.0012/19/2010 12:49:31 PM
luminous-payout6$25.00$25.0012/19/2010 3:30:48 PM
chameleon125$100.00$100.0012/18/2010 10:05:06 AM
grnii78$75.00$75.0012/18/2010 4:18:51 PM
gizmo65$25.00$25.0012/19/2010 11:33:22 AM
kulender$100.00$100.0012/15/2010 3:52:10 PM
Aberdeen$999.99$999.9912/15/2010 4:08:46 PM
good4loan$25.00$25.0012/15/2010 4:11:22 PM
selector568$150.00$150.0012/15/2010 4:18:20 PM
nilonc1$50.00$50.0012/15/2010 3:55:34 PM
diplomatic-wealth7$25.00$25.0012/15/2010 3:58:49 PM
Redmond$25.00$25.0012/15/2010 4:00:23 PM
Thylow$100.00$100.0012/15/2010 4:01:10 PM
paytonbrigadier$300.00$275.6112/15/2010 4:01:34 PM
JustMee$25.00$25.0012/15/2010 5:47:39 PM
cashhelp$30.00$30.0012/15/2010 6:28:40 PM
EngineersAlliance$44.69$44.6912/15/2010 6:27:54 PM
EBITDA$25.00$25.0012/15/2010 3:52:50 PM
rss197$25.00$25.0012/15/2010 3:54:30 PM
green-rapid-openness$50.00$50.0012/15/2010 8:42:08 PM
UCLA4life$25.00$25.0012/16/2010 12:20:35 AM
golffish2$100.00$100.0012/16/2010 3:52:15 AM
SolarMoonshine$100.00$100.0012/16/2010 4:11:12 AM
OldManP$25.00$25.0012/16/2010 6:17:17 AM
penny-plato$75.00$75.0012/16/2010 8:30:59 AM
green-rapid-openness$100.00$100.0012/15/2010 8:42:44 PM
wwwUniversal$25.00$25.0012/16/2010 12:46:58 AM
buffalobills$25.00$25.0012/16/2010 2:36:33 PM
Mr-Miracle$25.00$25.0012/16/2010 8:34:01 AM
dime-futurist$50.00$50.0012/16/2010 2:13:06 PM
supreme-hope$25.00$25.0012/16/2010 1:12:33 PM
lucrative-loan$36.54$36.5412/16/2010 8:17:40 PM
Danjack_Capital$25.00$25.0012/17/2010 10:03:00 AM
economy-popcorn$25.00$25.0012/17/2010 2:31:03 PM
jchurchi$75.49$75.4912/17/2010 1:14:35 PM
tallis1970$25.00$25.0012/17/2010 2:11:43 PM
foothillender$25.00$25.0012/17/2010 8:20:28 AM
britches613$25.00$25.0012/17/2010 8:47:28 AM
108lender$150.00$150.0012/17/2010 6:52:48 PM
HermanstadtKid$50.00$50.0012/17/2010 8:46:31 PM
power-secret-agent$25.00$25.0012/18/2010 4:40:58 AM
grnii78$125.00$125.0012/18/2010 4:16:56 PM
Bob450$25.00$25.0012/18/2010 9:50:38 AM
spiff666$29.68$29.6812/19/2010 11:05:47 AM
credit-missile$125.00$125.0012/19/2010 12:43:27 PM
welshcat$27.93$27.9312/18/2010 10:48:40 AM
mammalian4$25.00$25.0012/19/2010 3:26:40 PM
DHolly$30.00$30.0012/18/2010 6:12:39 PM
grammaspurse$25.00$25.0012/19/2010 7:39:36 AM
credit-tornado689$44.00$44.0012/19/2010 11:30:13 AM
1stBankAndHal$30.09$30.0912/19/2010 2:00:14 PM
420limo$248.03$248.0312/19/2010 3:57:35 PM
97 bids
 
Borrower Payment Dependent Notes Series 487811
This series of Notes was issued and sold upon the funding of the borrower loan #46165, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $87.33
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 29.52% Final monthly payment: $80.58
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.33%  
Lender servicing fee: 1.00% Estimated return: 9.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1997 Debt/Income ratio: 29%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,669Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: thomasolove28 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
(Nov-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
TO PAY TUTION FOR COLLEGE
Purpose of loan: This loan will be used to help pay towards my tution for college. I?m a single parent that is working full-time and attending college full-time, to earn my bachelor degree in nursing. My education is very important; it will allow me to provide a better life for my son and myself. I look forward in returning back to school to complete my degree. My son father is not part of his life and I have been the sole parent in raising him with the support of my family.??

My financial situation:
I am a good candidate for this loan because I have never missed a schedule payment or had problems with making my payments.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 67
??Car expenses: $ 140
??Utilities: $ 100
??Phone, cable, internet: $ 86
??Food, entertainment: $ 150
??Clothing, household expenses $?150
??Credit cards and other loans: $ 120
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi there, may I ask if you are carrying health insurance for yourself and your son? Thanks and good luck with this loan. - green-rapid-openness
A: Yes, my son and I both have health care coverage. (Dec-15-2010)
Q: Congrats on going to college while being a responsible single parent! Pay this back on time, and Prosper will always be there to support you when you need the help! - five-star-note
A: I consider myself a very responsible individual. I had a previous loan through prosper, and paid my schedule payments on time every month. I never missed a schedule payment because I had it set up through my account, so every month the funds were available. (Dec-17-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
alexgalt$50.00$50.0012/14/2010 4:28:39 PM
cashhelp$30.00$30.0012/15/2010 4:31:36 AM
spsavage$25.00$25.0012/15/2010 6:34:02 AM
responsible-worth113$35.00$35.0012/15/2010 7:05:35 AM
penny-plato$25.00$25.0012/15/2010 9:33:23 AM
head$25.00$25.0012/14/2010 10:08:10 PM
1stBankAndHal$25.05$12.3412/15/2010 4:58:35 AM
good4loan$25.00$25.0012/15/2010 4:12:44 PM
ac787$25.00$25.0012/16/2010 5:41:21 PM
CASSHMAN$125.00$125.0012/17/2010 4:47:47 PM
jhouman$25.00$25.0012/18/2010 1:16:42 AM
invest-in-ed$200.00$200.0012/18/2010 8:39:21 AM
portfolio-turbine$25.00$25.0012/18/2010 8:46:19 AM
credit-guard5$25.00$25.0012/18/2010 8:07:32 AM
blue-useful-auction$25.00$25.0012/19/2010 3:22:04 PM
exchange-upholder0$25.00$25.0012/19/2010 10:18:54 AM
SkinnyFish$25.00$25.0012/19/2010 2:19:34 PM
UCLA4life$35.00$35.0012/14/2010 4:21:11 PM
investmentgroup$25.00$25.0012/14/2010 4:53:22 PM
CA_Lender$25.00$25.0012/14/2010 4:16:42 PM
SolarMoonshine$25.00$25.0012/14/2010 5:44:39 PM
ekmendenhall$55.00$55.0012/14/2010 4:32:38 PM
loanman2007$175.00$175.0012/15/2010 5:32:23 AM
vine99$40.00$40.0012/14/2010 9:42:19 PM
MoneyForNothing$37.66$37.6612/15/2010 2:01:51 AM
golffish2$100.00$100.0012/15/2010 4:12:02 AM
thankful-nickel2$25.00$25.0012/15/2010 7:14:09 PM
Chesterite$25.00$25.0012/15/2010 8:32:04 PM
FinanceEngine$30.00$30.0012/16/2010 4:00:40 PM
TashaRemay$25.00$25.0012/18/2010 6:48:10 AM
marwadi-62$500.00$500.0012/17/2010 6:59:51 PM
OldManP$25.00$25.0012/18/2010 2:56:47 PM
bughead$25.00$25.0012/19/2010 1:13:31 PM
fund-companion4$25.00$25.0012/18/2010 9:49:23 PM
McDeeter$25.00$25.0012/19/2010 6:52:56 AM
invest-in-ed$50.00$50.0012/18/2010 8:33:13 AM
36 bids
 
Borrower Payment Dependent Notes Series 487853
This series of Notes was issued and sold upon the funding of the borrower loan #46158, 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-14-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 36.28% Starting monthly payment: $65.50
Final lender yield: 25.00% Final borrower rate/APR: 26.00% / 29.93% Final monthly payment: $60.44
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.33%  
Lender servicing fee: 1.00% Estimated return: 9.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-2002 Debt/Income ratio: 28%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,329Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: DJXpresse 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: 0 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Getting my engine repaired.
Purpose of loan:
This loan will be used to get the head gasket in my car replaced.

My financial situation:
I am a good candidate for this loan because I am always on time making payments and I just recently started a very good paying job.

Monthly net income: $ 2115

Monthly expenses: $
??Housing: $ 425
??Insurance: $ 100
??Car expenses: $ 250
??Utilities: $ 125
??Phone, cable, internet: $ 50
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??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 kind of car are you having the repaired? Head gaskets are a big job, will $1,500 cover the entire expense? - smarva
A: The car is an 02 Audi A4 Quattro. So far the shop has replaced the water pump, but they aren't done with it yet... We do have other funds available. This loan is just to ensure we have enough in case the repair does become big. (Dec-16-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ekmendenhall$35.30$35.3012/14/2010 4:32:38 PM
SolarMoonshine$50.00$50.0012/14/2010 5:45:14 PM
felicity-daydream$50.00$50.0012/14/2010 10:05:08 PM
loanman2007$100.00$100.0012/15/2010 5:33:45 AM
kendigme$49.68$49.6812/16/2010 2:46:13 AM
kendigme$25.00$25.0012/17/2010 2:44:07 AM
hellasow$25.00$25.0012/17/2010 8:45:58 PM
Bob450$25.00$25.0012/18/2010 9:40:28 AM
hillerod$25.00$25.0012/18/2010 11:14:42 AM
hellasow$25.00$25.0012/17/2010 8:46:42 PM
coin-sphinx4$100.00$100.0012/19/2010 1:38:23 PM
sethharris$25.00$25.0012/18/2010 4:26:15 PM
outofoffice$75.00$75.0012/19/2010 3:45:58 PM
lendstats_com$200.00$10.0212/14/2010 4:41:51 PM
red-favorable-basis$25.00$25.0012/14/2010 10:12:59 PM
head$25.00$25.0012/15/2010 2:56:05 AM
thankful-nickel2$25.00$25.0012/15/2010 7:14:39 PM
Chesterite$25.00$25.0012/15/2010 8:33:29 PM
cash-tent$30.00$30.0012/17/2010 10:37:48 PM
rf7949$25.00$25.0012/18/2010 2:53:42 AM
kendigme$25.00$25.0012/18/2010 7:19:48 AM
credit-guard5$25.00$25.0012/18/2010 8:01:28 AM
marwadi-62$300.00$300.0012/17/2010 6:57:18 PM
five-star-note$250.00$250.0012/18/2010 9:32:19 AM
ac787$25.00$25.0012/18/2010 9:48:15 PM
paqattack$25.00$25.0012/18/2010 9:22:50 PM
blue-useful-auction$25.00$25.0012/19/2010 3:22:47 PM
smarva$25.00$25.0012/19/2010 7:11:01 AM
exchange-upholder0$25.00$25.0012/18/2010 10:22:38 AM
29 bids
 
Borrower Payment Dependent Notes Series 487871
This series of Notes was issued and sold upon the funding of the borrower loan #46174, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $20,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-20-2010 
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $626.73
Final lender yield: 7.00% Final borrower rate/APR: 8.00% / 8.34% Final monthly payment: $626.73
 
Auction yield range: 2.51% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-2001 Debt/Income ratio: 10%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,693Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: forceful-duty178 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I feel simple to manage single loan
Purpose of loan:
This loan will be used to consolidate most of my credit card balances so I can better manage my debt with single predictable EMI. Our credit card companies have proven to be not very useful when you are in need of cash. They started being more and more creative after the recent CARD Act to squeeze us in many ways we could not even imagine. I don't like using these credit lines any more and rather I would fixate on a single fixed APR loan with a predictable single payment as long as I'm responsible (which is sure I am) in paying them back. I can only assure the lenders that this would be mutually beneficial to us both!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: I am interested in funding your loan. Please list the outstanding balance, APR, current monthly payment, and how long you have been paying for each of the debts you are looking to consolidate. Also, please list your monthly expenses and income. - newest-funds-powerplant
A: My Spending report: Gross Income pm [$11,667.00]; Net Home take pm(Excl Taxes, 401k etc) [$7000.00]; Rent [$2030.00];Groceries, Utilities, Eat outs, Movies etc [$1470.00]; Credit card payments [$1000.00]; Misc [$500.00]; Savings* [$2000.00] * This is what I can actually spare each month. I accumulate my spare savings for every couple of months and pays off a high interest balance or aggressively pay additional payments on card balances. (Dec-14-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
windfall46$25.00$25.0012/14/2010 4:12:28 PM
wjf60$50.00$50.0012/14/2010 4:17:34 PM
capital-web7$50.00$50.0012/14/2010 4:18:12 PM
truth-octave6$50.00$50.0012/14/2010 4:18:33 PM
the-enterprising-leverage$25.00$25.0012/14/2010 4:19:17 PM
rss197$25.00$25.0012/14/2010 4:19:31 PM
nimble-money0$50.00$50.0012/14/2010 4:19:37 PM
Artist_Blue$25.00$25.0012/14/2010 4:19:43 PM
ichibon$75.00$75.0012/14/2010 4:19:46 PM
C_Mark$50.00$50.0012/14/2010 4:20:32 PM
skuba$100.00$100.0012/14/2010 4:20:36 PM
fcukciti$25.00$25.0012/14/2010 4:20:44 PM
Goodlender42$25.00$25.0012/14/2010 4:20:55 PM
bowdish1$100.00$100.0012/14/2010 4:21:01 PM
community-pipeline$25.00$25.0012/14/2010 4:21:15 PM
heroic-platinum$25.00$25.0012/14/2010 4:21:32 PM
ommcd$25.00$25.0012/14/2010 4:13:25 PM
Hondo$25.00$25.0012/14/2010 4:13:40 PM
indomitable-coin$50.00$50.0012/14/2010 4:23:47 PM
Ripsaw4U$75.00$75.0012/14/2010 4:17:24 PM
unclejaef$25.00$25.0012/14/2010 4:18:43 PM
Binan$25.00$25.0012/14/2010 4:18:46 PM
meux99$25.00$25.0012/14/2010 4:18:50 PM
astute-investment5$25.00$25.0012/14/2010 4:19:33 PM
investment-network$25.00$25.0012/14/2010 4:19:51 PM
bds9646$26.00$26.0012/14/2010 4:20:24 PM
visionary-currency$100.00$100.0012/14/2010 4:20:58 PM
fishcreek$100.00$100.0012/14/2010 4:21:08 PM
NR$25.00$25.0012/14/2010 4:31:38 PM
friendly-worth3$25.00$25.0012/14/2010 4:32:09 PM
Anny-Disco$25.00$25.0012/14/2010 4:33:16 PM
wealthstar$25.00$25.0012/14/2010 4:35:25 PM
kegs$150.00$150.0012/14/2010 4:49:30 PM
panegryst$50.00$50.0012/14/2010 4:34:14 PM
degster$25.00$25.0012/14/2010 5:01:54 PM
ThomasC$50.00$50.0012/14/2010 4:13:04 PM
commerce-voyager$25.00$25.0012/14/2010 4:13:12 PM
kyomoon$50.00$50.0012/14/2010 4:13:35 PM
justice-dna$35.00$35.0012/14/2010 4:18:16 PM
CBO-Enterprise$100.00$100.0012/14/2010 4:19:08 PM
tech310$50.00$50.0012/14/2010 4:20:06 PM
emt747$25.00$25.0012/14/2010 4:21:18 PM
E_G$50.00$50.0012/14/2010 4:21:27 PM
sci_guy$50.00$50.0012/14/2010 4:21:39 PM
mizount$25.00$25.0012/14/2010 5:02:38 PM
narblark$100.00$100.0012/14/2010 4:28:43 PM
kanakakm$50.00$50.0012/14/2010 4:31:51 PM
balanced-bill7$37.59$37.5912/15/2010 12:59:58 AM
mpactlender$25.00$25.0012/14/2010 4:32:41 PM
valiant-liberty4$25.00$25.0012/14/2010 8:38:54 PM
greenback-guard$25.00$25.0012/14/2010 4:36:53 PM
newest-funds-powerplant$25.00$25.0012/14/2010 11:58:06 PM
cablenews$50.00$50.0012/15/2010 6:45:20 AM
108lender$133.19$133.1912/14/2010 4:58:22 PM
foodgoeshere$25.00$25.0012/15/2010 9:41:35 AM
vigilance-revolutionary$50.00$50.0012/15/2010 9:51:42 AM
IIP77$25.00$25.0012/14/2010 8:32:45 PM
goodhearted-gold3$25.00$25.0012/15/2010 1:21:28 PM
rekitten$100.00$100.0012/15/2010 2:28:56 PM
Mariner3605$25.00$25.0012/15/2010 9:51:43 AM
Cheburashka$30.00$30.0012/15/2010 12:22:34 AM
divedude$25.00$25.0012/15/2010 11:52:22 AM
truth-prospector$25.00$25.0012/15/2010 3:03:34 PM
jts$25.00$25.0012/15/2010 6:37:38 PM
SelectTrustLending$25.00$25.0012/15/2010 6:42:19 PM
haidoken$50.00$50.0012/15/2010 4:05:27 PM
DadWarbucks$31.02$31.0212/15/2010 7:29:12 PM
nybanker85$50.00$50.0012/15/2010 4:21:11 PM
Curly-Girly$25.00$25.0012/15/2010 8:24:25 PM
astute-benjamins$25.00$25.0012/15/2010 8:25:38 PM
Tlk2drew$50.00$50.0012/15/2010 8:26:03 PM
ProfPC$25.00$25.0012/15/2010 8:26:17 PM
CaptainBlueberry$25.00$25.0012/15/2010 8:26:21 PM
freesia54$50.00$50.0012/15/2010 8:26:34 PM
fair-funds$30.00$30.0012/15/2010 5:01:26 PM
bayareainv$50.00$50.0012/15/2010 3:07:27 PM
beachbum22$25.00$25.0012/15/2010 3:11:30 PM
a-responsible-return$50.00$50.0012/15/2010 11:26:25 PM
DesiKuber$25.00$25.0012/15/2010 6:42:55 PM
mrpowers5531$25.00$25.0012/15/2010 8:24:22 PM
market-honker$50.00$50.0012/15/2010 8:24:51 PM
ZeoInvestments$25.00$25.0012/15/2010 8:25:54 PM
stable-money$25.00$25.0012/15/2010 8:26:05 PM
Sixmil$25.00$25.0012/15/2010 8:26:14 PM
stuy1998$30.00$30.0012/15/2010 8:26:19 PM
DeltaGambler$25.00$25.0012/15/2010 8:26:51 PM
MO_Investor$25.00$25.0012/15/2010 8:27:13 PM
stensonb$25.00$25.0012/16/2010 6:33:51 AM
engaging-yield4$50.00$50.0012/15/2010 10:48:36 PM
stinvest$25.00$25.0012/16/2010 12:08:09 AM
Trevor_C$25.00$25.0012/16/2010 12:17:01 AM
Weaverville$50.00$50.0012/16/2010 12:19:26 AM
balance-voyager$50.00$50.0012/16/2010 8:07:27 AM
foxworthy77$25.00$25.0012/16/2010 9:32:25 AM
cash-raccoon$25.00$25.0012/16/2010 9:36:10 AM
KiwiElf$40.00$40.0012/16/2010 10:11:45 AM
MoneySiles$25.00$25.0012/16/2010 5:13:44 AM
nickel-ferret$50.00$50.0012/16/2010 10:30:00 AM
Tahoeguy$50.00$50.0012/16/2010 5:28:34 AM
trade-boots1$32.23$32.2312/15/2010 6:37:47 PM
awwaww$25.00$25.0012/16/2010 10:42:35 AM
lifegrowth$25.00$25.0012/15/2010 8:23:55 PM
dcap3$25.00$25.0012/15/2010 8:25:28 PM
important-ore$100.00$100.0012/15/2010 8:25:37 PM
thestartuplender$50.00$50.0012/15/2010 8:26:16 PM
zone6$50.00$50.0012/15/2010 8:26:25 PM
Cal07$25.00$25.0012/15/2010 8:26:42 PM
GenerousGentleMan$75.00$75.0012/16/2010 9:35:06 AM
dimitrip1024$25.00$25.0012/16/2010 12:45:38 PM
PaulW$25.00$25.0012/16/2010 9:54:22 AM
L-vex$25.00$25.0012/16/2010 12:20:29 AM
discrete-asset$25.00$25.0012/16/2010 12:50:44 AM
Chris97$50.00$50.0012/16/2010 11:26:56 AM
reueljw$25.00$25.0012/16/2010 12:44:35 PM
NMGbank$25.00$25.0012/16/2010 12:45:09 PM
money-bauble$100.00$100.0012/16/2010 8:01:25 AM
SpareChangeDreamFundLLC$25.00$25.0012/16/2010 9:32:01 AM
brightest-dynamic-peace$25.00$25.0012/16/2010 10:37:34 AM
JGB$49.37$49.3712/16/2010 10:46:36 AM
diceman19$25.00$25.0012/16/2010 11:57:19 AM
HHP$39.12$39.1212/16/2010 1:11:24 PM
money-vista$27.99$27.9912/16/2010 8:26:32 PM
uncleubb$25.00$25.0012/16/2010 8:41:52 PM
latestone$25.00$25.0012/16/2010 10:45:20 PM
bmcg$25.00$25.0012/17/2010 12:05:50 AM
authoritative-capital$25.00$25.0012/17/2010 12:45:41 AM
frankdelraza$25.00$25.0012/17/2010 5:56:22 AM
zenchef$25.00$25.0012/17/2010 12:25:30 AM
tomxnsn$25.00$25.0012/17/2010 9:32:56 AM
soulwork$25.00$25.0012/16/2010 7:26:30 PM
Mantis75$25.00$25.0012/17/2010 6:21:30 AM
Toby1montana$48.70$48.7012/17/2010 8:02:47 AM
worlds-best-auction$50.00$50.0012/17/2010 9:32:13 AM
authoritative-truth$50.00$50.0012/17/2010 9:32:26 AM
wormdc$25.00$25.0012/17/2010 12:46:37 AM
bonus-chosen-one$50.00$50.0012/17/2010 3:08:37 PM
iLoaner$25.00$25.0012/17/2010 7:26:32 AM
reward-tamale1$25.00$25.0012/17/2010 9:31:48 AM
zeelender$25.00$25.0012/17/2010 9:38:47 AM
Pasagam$28.18$28.1812/17/2010 9:42:21 AM
WorldlyWorker$25.00$25.0012/17/2010 4:14:10 PM
RG$39.89$39.8912/17/2010 12:37:19 PM
mistertao$25.00$25.0012/17/2010 8:26:31 PM
jasperpants$25.00$25.0012/18/2010 12:41:27 AM
KeepOnRunning$30.13$30.1312/17/2010 8:06:29 PM
jimbo29blue$50.00$50.0012/18/2010 4:22:21 AM
don'twannadance$50.00$50.0012/18/2010 4:39:15 AM
don'twannadance$77.00$77.0012/18/2010 4:40:11 AM
balance2$25.00$25.0012/18/2010 4:41:45 AM
eyal0$29.67$29.6712/18/2010 12:28:27 AM
johngaltline$25.00$25.0012/18/2010 1:56:54 AM
theemhdoctor$25.00$25.0012/18/2010 8:44:08 AM
market-dancer8$36.34$36.3412/18/2010 8:51:40 AM
Ellisdee$50.00$50.0012/18/2010 10:16:47 AM
totoro$25.00$25.0012/18/2010 4:41:42 AM
SourDoughSteve$25.00$25.0012/18/2010 6:31:20 AM
historydude654$50.00$50.0012/18/2010 1:03:21 PM
wampum-launcher0$25.00$25.0012/18/2010 1:03:30 PM
fireboss$50.00$50.0012/18/2010 1:03:50 PM
point-didgeridoo$44.31$44.3112/18/2010 4:16:39 PM
BlindProphet$50.00$50.0012/18/2010 6:12:37 PM
wampum-optimization$50.00$50.0012/18/2010 1:03:27 PM
csak13$25.00$25.0012/18/2010 3:11:17 PM
dingus$25.00$25.0012/18/2010 4:36:46 PM
magnificent-income7$25.00$25.0012/19/2010 12:49:03 PM
logical-reward8$25.00$25.0012/18/2010 2:53:36 AM
reward-motion$50.00$50.0012/18/2010 3:46:25 AM
courteous-deal114$50.00$50.0012/18/2010 8:53:00 PM
larrybird$150.00$150.0012/19/2010 4:01:32 PM
jmainc$25.00$25.0012/18/2010 6:56:40 AM
majestic-dedication$50.00$50.0012/19/2010 5:51:24 PM
CorporateRaider$25.00$25.0012/19/2010 8:45:59 AM
catterpillar$50.00$50.0012/19/2010 12:00:11 PM
BaltimoreLender$25.00$25.0012/19/2010 12:21:43 PM
bold-yield-rumbler$25.00$25.0012/19/2010 12:48:47 PM
sfmf$25.00$25.0012/19/2010 12:51:57 PM
AnthonyPierreFund$25.00$25.0012/19/2010 2:21:38 PM
revmax$25.00$25.0012/18/2010 1:02:47 PM
6moonbeams$50.00$50.0012/18/2010 1:03:28 PM
Marathoner$25.00$25.0012/18/2010 1:03:35 PM
newest-funds-powerplant$50.00$50.0012/19/2010 4:41:56 PM
Dazz2061$25.00$25.0012/18/2010 1:04:20 PM
here2lend$25.00$25.0012/18/2010 1:05:14 PM
sf-funder$50.00$50.0012/18/2010 1:05:27 PM
diversification-empire$44.31$44.3112/18/2010 1:36:26 PM
efficient-treasure0$25.00$25.0012/18/2010 4:36:47 PM
economy-beast$50.00$50.0012/18/2010 8:04:03 PM
dblakels$25.00$25.0012/18/2010 8:06:29 PM
seanvr33$25.00$25.0012/19/2010 5:43:19 AM
taiko6$57.66$57.6612/19/2010 5:06:52 PM
ozzie$25.00$25.0012/20/2010 1:43:47 AM
Aberdeen$6,000.00$5,153.0812/20/2010 4:48:20 AM
dharma1$50.00$50.0012/14/2010 4:13:30 PM
Woodworker57$25.00$25.0012/14/2010 4:15:14 PM
grf1945$25.00$25.0012/14/2010 4:17:38 PM
organized-payment6$50.00$50.0012/14/2010 4:17:47 PM
meenan$50.00$50.0012/14/2010 4:18:18 PM
chris-heretoinvest$25.00$25.0012/14/2010 4:18:24 PM
rockstar78$50.00$50.0012/14/2010 4:18:30 PM
kid8549$50.00$50.0012/14/2010 4:18:56 PM
AFairDeal$75.00$75.0012/14/2010 4:19:14 PM
subtle-revenue0$25.00$25.0012/14/2010 4:19:19 PM
chekat$25.00$25.0012/14/2010 4:19:54 PM
flypenguin$50.00$50.0012/14/2010 4:20:14 PM
diablorulz$50.00$50.0012/14/2010 4:20:28 PM
innocent-deal$50.00$50.0012/14/2010 4:20:41 PM
Havana21$200.00$200.0012/14/2010 4:20:52 PM
first-upright-payout$25.00$25.0012/14/2010 4:13:16 PM
figs4u2$100.00$100.0012/14/2010 4:13:22 PM
auction-sage$50.00$50.0012/14/2010 4:13:59 PM
steady-gain5$25.00$25.0012/14/2010 4:17:12 PM
blot44$25.00$25.0012/14/2010 4:17:18 PM
klinebarger$25.00$25.0012/14/2010 4:18:07 PM
buckeye9$50.00$50.0012/14/2010 4:18:37 PM
inforapenny$50.00$50.0012/14/2010 4:28:47 PM
compoundinterest$50.00$50.0012/14/2010 4:19:03 PM
Doc23$25.00$25.0012/14/2010 4:19:22 PM
delicious-social132$50.00$50.0012/14/2010 4:19:28 PM
elasermd$50.00$50.0012/14/2010 4:30:02 PM
Emgolda$25.00$25.0012/14/2010 4:20:20 PM
investment-comet$25.00$25.0012/14/2010 4:21:04 PM
mathprof$25.00$25.0012/14/2010 4:21:22 PM
peerlender$25.00$25.0012/14/2010 4:21:36 PM
cognizant-rate732$25.00$25.0012/14/2010 4:33:57 PM
tolerant-dinero2$25.00$25.0012/14/2010 4:24:21 PM
bigballer105$100.00$100.0012/14/2010 4:35:32 PM
transparency-giant$25.00$25.0012/14/2010 4:30:25 PM
Copa16$25.00$25.0012/14/2010 4:31:02 PM
generous-deal6$50.00$50.0012/14/2010 4:34:07 PM
wtrboy$25.00$25.0012/14/2010 4:34:54 PM
radforj22$50.00$50.0012/14/2010 4:12:19 PM
DukSerduk$25.00$25.0012/14/2010 4:12:23 PM
exchange-pledge$50.00$50.0012/14/2010 5:02:02 PM
FlexFunding$50.00$50.0012/14/2010 4:12:35 PM
UT-Longhorn$25.00$25.0012/14/2010 4:13:19 PM
fishtale$50.00$50.0012/14/2010 4:15:17 PM
BuckeyeBanker$50.00$50.0012/14/2010 4:17:40 PM
bvzm$50.00$50.0012/14/2010 4:18:04 PM
Dreamconnection$50.00$50.0012/14/2010 4:18:23 PM
loan-warrior$25.00$25.0012/14/2010 4:19:12 PM
BankingFamily$25.00$25.0012/14/2010 4:19:58 PM
kenji4861$50.00$50.0012/14/2010 4:20:48 PM
afotherg$46.60$46.6012/14/2010 5:02:37 PM
GElender$37.45$37.4512/14/2010 8:38:51 PM
DonaldColorado$53.80$53.8012/14/2010 9:46:59 PM
favorite-funds8$25.00$25.0012/14/2010 4:33:08 PM
Searlzy$25.00$25.0012/14/2010 4:34:41 PM
fortytwo$25.00$25.0012/15/2010 5:12:13 AM
jazzlender$50.00$50.0012/14/2010 4:36:15 PM
cingular$25.00$25.0012/14/2010 5:01:46 PM
Captain88$25.00$25.0012/14/2010 5:02:27 PM
Headhunter14$25.00$25.0012/15/2010 6:45:17 AM
MarinLoans$25.00$25.0012/15/2010 11:25:23 AM
unequaled-deal3$50.00$50.0012/15/2010 9:33:05 AM
reward-planetarium$50.00$50.0012/15/2010 1:24:22 PM
wise-silver-wonder$25.00$25.0012/15/2010 9:36:47 AM
flwah$25.00$25.0012/15/2010 12:37:39 AM
Phantom99$100.00$100.0012/15/2010 12:59:42 AM
financelover$42.77$42.7712/15/2010 3:36:30 PM
lovely-order7$50.00$50.0012/15/2010 5:48:50 AM
jhernand17$25.00$25.0012/15/2010 6:07:54 AM
julijask$35.00$35.0012/15/2010 6:46:22 AM
asset-professor$50.00$50.0012/15/2010 6:47:15 AM
life-is-great$50.00$50.0012/15/2010 9:16:36 AM
penny-plato$25.00$25.0012/15/2010 9:42:17 AM
Ivan2007$50.00$50.0012/15/2010 9:51:45 AM
majormoves1$25.00$25.0012/15/2010 9:51:55 AM
PThor$25.00$25.0012/15/2010 10:29:04 AM
alexstar$25.00$25.0012/15/2010 12:49:15 PM
iolaire$25.00$25.0012/15/2010 12:49:41 PM
auction-rocket$25.00$25.0012/15/2010 8:24:21 PM
highcountry1$25.00$25.0012/15/2010 8:24:46 PM
gnar$25.00$25.0012/15/2010 8:25:15 PM
value-pouch$39.97$39.9712/15/2010 8:25:50 PM
guardlender$25.00$25.0012/15/2010 8:26:19 PM
efficient-marketplace$50.00$50.0012/15/2010 8:26:22 PM
dpfl55$25.00$25.0012/15/2010 8:26:50 PM
Koma67$25.00$25.0012/15/2010 3:45:41 PM
alpinaut$25.00$25.0012/15/2010 6:37:51 PM
ivadood$100.00$100.0012/16/2010 12:48:03 AM
cash-merry-maker$25.00$25.0012/16/2010 12:51:20 AM
FairbairnSG$50.00$50.0012/15/2010 8:16:49 PM
pioneer580$50.00$50.0012/16/2010 3:09:16 AM
hayhelp$42.23$42.2312/15/2010 8:23:45 PM
tontos$50.00$50.0012/16/2010 4:02:12 AM
schpere$31.98$31.9812/15/2010 8:24:29 PM
whistledicksmith$25.00$25.0012/15/2010 8:25:48 PM
perlindc$100.00$100.0012/15/2010 8:26:15 PM
goldie414$50.00$50.0012/15/2010 8:26:40 PM
ray1051$25.00$25.0012/16/2010 6:22:51 AM
seabass123$25.00$25.0012/15/2010 10:44:58 PM
benefit-catalyst$100.00$100.0012/16/2010 7:46:23 AM
rakstar$27.57$27.5712/15/2010 4:18:46 PM
tolstoy00$25.00$25.0012/16/2010 12:34:28 AM
CorporateT00l$25.30$25.3012/16/2010 12:50:34 AM
p2p-rider7$50.00$50.0012/16/2010 10:11:47 AM
witty-openness$50.00$50.0012/16/2010 5:16:31 AM
acropiloterau2002$25.00$25.0012/15/2010 6:06:25 PM
reinforced-reward$25.00$25.0012/15/2010 6:46:35 PM
Zoomie$25.00$25.0012/16/2010 10:46:51 AM
tenacious-payout$25.00$25.0012/15/2010 8:16:27 PM
beeper2$25.00$25.0012/15/2010 8:24:28 PM
forrestgump$50.00$50.0012/15/2010 8:25:42 PM
rosie777$30.00$30.0012/15/2010 8:25:46 PM
neighborly-hope6$50.00$50.0012/15/2010 8:26:32 PM
slobrown$50.00$50.0012/15/2010 8:27:21 PM
Swabjockey$25.00$25.0012/16/2010 9:11:53 AM
tekkie2412$25.00$25.0012/16/2010 9:46:48 AM
bouvierchamp$30.84$30.8412/16/2010 12:15:20 AM
MoNeYMaN5$25.00$25.0012/16/2010 12:22:46 AM
proper-commitment5$25.00$25.0012/16/2010 10:38:19 AM
bid-papyrus$25.00$25.0012/16/2010 12:52:58 AM
lostontheedge$25.00$25.0012/16/2010 10:56:43 AM
Steveoo1$34.47$34.4712/16/2010 6:36:27 AM
Aimvest$25.00$25.0012/16/2010 12:46:15 PM
jjb3$26.25$26.2512/16/2010 9:35:09 AM
jjswanso$50.00$50.0012/16/2010 10:40:24 AM
interest-exec9$25.00$25.0012/16/2010 3:48:01 PM
tntmojave$25.00$25.0012/16/2010 12:46:12 PM
keyfig$25.00$25.0012/16/2010 7:09:05 PM
lloyd_s$25.00$25.0012/16/2010 1:25:16 PM
power-trophy7$50.00$50.0012/16/2010 3:57:05 PM
alfster1$25.00$25.0012/16/2010 2:49:19 PM
Natronpee$25.00$25.0012/17/2010 12:27:46 AM
reflective-rupee$200.00$200.0012/16/2010 10:56:00 PM
verse99$25.00$25.0012/16/2010 11:08:13 PM
first-serene-credit$25.00$25.0012/17/2010 9:22:51 AM
kind-adventurous-finance$25.03$25.0312/17/2010 8:14:08 AM
basis-equalizer0$25.00$25.0012/17/2010 9:32:10 AM
soheagle$50.00$50.0012/16/2010 11:04:08 PM
agalt$100.00$100.0012/17/2010 11:21:25 AM
tlam168$50.00$50.0012/17/2010 1:36:26 AM
eloquent-dime416$50.00$50.0012/17/2010 9:31:46 AM
YellowJacket$25.00$25.0012/17/2010 9:33:08 AM
lost-money-so-far-on-these$25.00$25.0012/17/2010 9:39:26 AM
socal-lender$25.00$25.0012/17/2010 4:48:42 PM
RB_Double-A_Bravo$25.00$25.0012/18/2010 12:55:46 AM
martinatime$25.00$25.0012/18/2010 12:56:18 AM
MONEYLENDER101$69.06$69.0612/18/2010 12:58:15 AM
1fortheroad$25.00$25.0012/18/2010 1:15:49 AM
nhm$46.09$46.0912/18/2010 1:33:51 AM
jimbo29blue$50.00$50.0012/18/2010 4:21:54 AM
don'twannadance$50.00$50.0012/18/2010 4:38:47 AM
don'twannadance$50.00$50.0012/18/2010 4:39:44 AM
xphile$25.00$25.0012/18/2010 1:33:58 AM
JaceSpade$25.00$25.0012/18/2010 1:53:25 AM
market-socrates4$26.47$26.4712/18/2010 2:32:55 AM
peb44$25.00$25.0012/18/2010 10:25:22 AM
Dan65$50.00$50.0012/18/2010 1:03:17 PM
sajitk$25.00$25.0012/18/2010 1:03:25 PM
budyzr$25.00$25.0012/18/2010 1:36:27 PM
Dollars4Rent$25.00$25.0012/18/2010 1:40:58 PM
newest-generous-income$25.00$25.0012/18/2010 7:51:35 AM
roadtruck$50.00$50.0012/18/2010 4:36:49 PM
goodcents$25.00$25.0012/18/2010 5:08:40 PM
thankful-nickel2$25.00$25.0012/17/2010 8:09:33 PM
Victor-E-Lane$25.00$25.0012/19/2010 4:01:41 AM
red-trade-cologne$50.00$50.0012/18/2010 1:02:46 PM
cheng$25.00$25.0012/18/2010 12:56:14 AM
DavenportCapital$25.00$25.0012/18/2010 1:05:13 PM
scorpi073$25.00$25.0012/19/2010 7:28:35 AM
ChicoBob$30.29$30.2912/18/2010 1:33:48 AM
scottburger$43.05$43.0512/18/2010 3:02:26 PM
Wilvara$50.00$50.0012/18/2010 4:36:51 PM
TheReaderRabbit$25.00$25.0012/18/2010 5:06:46 PM
jimbo29blue$50.00$50.0012/18/2010 4:22:47 AM
easylender$25.00$25.0012/18/2010 8:21:31 PM
scrappy-bonus2$25.00$25.0012/19/2010 3:14:50 PM
brightest-affluence-motivator$100.00$100.0012/19/2010 4:24:59 PM
nilonc1$25.00$25.0012/18/2010 7:28:59 AM
arenangelchild$50.00$50.0012/19/2010 12:49:50 PM
jfsllc$25.00$25.0012/19/2010 1:37:29 PM
sunshine1965$25.00$25.0012/19/2010 2:37:19 PM
engaging-worth$25.00$25.0012/18/2010 12:46:53 PM
moneynmotion$50.00$50.0012/18/2010 1:03:23 PM
ussugm$25.00$25.0012/18/2010 1:03:32 PM
chrisb1414$25.00$25.0012/18/2010 1:05:23 PM
Dollars4Rent$25.00$25.0012/18/2010 1:40:44 PM
ChristopherHS$25.00$25.0012/18/2010 3:02:27 PM
safe-payment8$25.00$25.0012/19/2010 7:06:28 AM
imdave4me$25.00$25.0012/19/2010 3:19:11 PM
p2ploan-thinker7$50.00$50.0012/19/2010 5:00:07 PM
382 bids
 
Borrower Payment Dependent Notes Series 487887
This series of Notes was issued and sold upon the funding of the borrower loan #46195, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-16-2010 
  Auction end date:  Dec-18-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.10% Final monthly payment: $210.89
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1993 Debt/Income ratio: 6%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $447Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: bill-goat 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
Paying for college.
Purpose of loan:
This loan will be used to?
Pay for school, and also buy a new computer.?

My financial situation:
I am a good candidate for this loan because?
I make enough to pay back this loan.
Monthly net income: $ 4000

Monthly expenses: $ 2500
??Housing: $ 934
??Insurance: $ 60
??Car expenses: $ 70
??Utilities: $ 400
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi, do you work full time? Are you currently a part or full time student? Thanks and good luck. - interest88
A: Yes i work full time, I was trying to pay cash for my degree but thing came up where i am having to borrow money, I only have 1 1/2 half left. (Dec-17-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
simplelender80$100.00$100.0012/16/2010 3:24:47 PM
Artist_Blue$25.00$25.0012/16/2010 3:29:41 PM
Redmond$25.00$25.0012/16/2010 3:30:27 PM
coin-bee1$50.00$50.0012/16/2010 3:33:09 PM
kulender$50.00$50.0012/16/2010 3:20:06 PM
handshake5$100.00$100.0012/16/2010 3:21:33 PM
ingenious-deal6$25.00$25.0012/16/2010 3:37:11 PM
richboy56$25.00$25.0012/16/2010 3:38:02 PM
hopeful-truth5$100.00$100.0012/16/2010 3:31:16 PM
jazzlender$25.00$25.0012/16/2010 3:34:04 PM
nickel-hickory$50.00$50.0012/16/2010 3:35:53 PM
graceful-investment$46.69$46.6912/16/2010 10:16:32 PM
diplomatic-wealth7$25.00$25.0012/16/2010 3:29:01 PM
SolarMoonshine$25.00$25.0012/17/2010 4:17:04 AM
reflective-rupee$200.00$200.0012/16/2010 8:51:37 PM
power-trophy7$50.00$50.0012/16/2010 3:56:46 PM
Tikibarman$100.00$100.0012/17/2010 6:31:50 AM
money-vista$25.00$25.0012/17/2010 12:57:51 PM
mercuriant$25.00$25.0012/17/2010 9:39:24 AM
worthy-bid8$30.32$30.3212/17/2010 5:11:39 AM
Rogelio48$30.00$30.0012/17/2010 9:32:42 AM
musegaze$50.00$50.0012/17/2010 4:20:03 PM
gold-backer9$25.00$25.0012/17/2010 5:33:14 PM
building_community$25.00$25.0012/17/2010 4:37:06 PM
bid-czar8$25.28$25.2812/17/2010 2:17:00 PM
commerce-yeller$25.00$25.0012/17/2010 10:13:46 PM
Helenska11$50.00$50.0012/17/2010 7:38:28 PM
Aragorn$25.00$25.0012/17/2010 7:51:33 PM
treasure-bliss$50.00$50.0012/18/2010 2:24:18 AM
mt3209$25.00$25.0012/18/2010 1:35:55 AM
Rogelio48$30.00$30.0012/18/2010 2:15:22 AM
108lender$150.00$150.0012/17/2010 4:19:15 PM
finance-prescription$48.78$48.7812/17/2010 4:19:30 PM
relentless-fund1$50.00$50.0012/18/2010 8:52:48 AM
the-dollar-topper$100.00$100.0012/18/2010 8:53:33 AM
BradP$65.00$65.0012/18/2010 8:56:31 AM
JPMorrisLegacyFund$100.00$100.0012/17/2010 4:51:34 PM
Georgetastic$25.00$25.0012/18/2010 2:26:59 PM
Hambone1111$25.00$25.0012/17/2010 8:51:28 PM
credit-sycamore4$28.94$28.9412/18/2010 2:23:17 PM
x27$25.00$25.0012/18/2010 7:21:53 AM
newest-generous-income$25.00$25.0012/18/2010 7:51:45 AM
GElender$25.00$25.0012/18/2010 8:53:08 AM
EBITDA$25.00$25.0012/16/2010 3:26:15 PM
organic-order$25.00$25.0012/16/2010 3:34:55 PM
Investoman$50.00$50.0012/16/2010 3:25:38 PM
money-bauble$25.00$25.0012/16/2010 3:51:24 PM
ichibon$50.00$50.0012/16/2010 3:59:05 PM
rss197$25.00$25.0012/16/2010 3:33:55 PM
income-sage9$25.00$25.0012/16/2010 8:47:39 PM
reflective-rupee$200.00$200.0012/16/2010 8:52:01 PM
NR$25.00$25.0012/16/2010 10:52:37 PM
dedicated-transaction796$34.98$34.9812/16/2010 8:32:41 PM
reflective-rupee$200.00$200.0012/16/2010 8:51:27 PM
reflective-rupee$200.00$200.0012/16/2010 8:51:49 PM
SNH$100.00$100.0012/16/2010 3:31:49 PM
paytonbrigadier$250.00$250.0012/16/2010 3:32:25 PM
Whipster$60.00$60.0012/16/2010 9:07:31 PM
green-thoughtful-yield$100.00$100.0012/16/2010 3:36:41 PM
JustMee$25.00$25.0012/16/2010 5:57:01 PM
reflective-rupee$200.00$200.0012/16/2010 8:52:12 PM
orange-influential-credit$50.00$50.0012/17/2010 4:45:37 AM
DonaldColorado$50.00$50.0012/17/2010 9:39:40 AM
HedgeFund$46.84$46.8412/17/2010 4:49:18 PM
teller$25.00$25.0012/17/2010 5:36:32 PM
nilonc1$100.00$100.0012/17/2010 10:01:18 PM
the-determined-value$50.00$50.0012/17/2010 6:56:34 PM
interstellar$50.00$50.0012/18/2010 2:24:44 AM
a-finance-nirvana$25.00$25.0012/18/2010 2:42:06 AM
kendallv$50.00$50.0012/17/2010 10:33:18 PM
new-social-economist$75.00$75.0012/17/2010 3:49:47 PM
credit-guard5$25.00$25.0012/18/2010 8:26:40 AM
mindful-exchange2$25.00$25.0012/18/2010 4:44:15 AM
wampum-chorus3$25.00$25.0012/18/2010 4:51:34 AM
ukstevenhawaii$100.00$100.0012/17/2010 4:51:33 PM
economy-lotus$100.00$100.0012/17/2010 6:56:29 PM
nfx$25.00$25.0012/18/2010 3:55:44 PM
Bob450$25.00$25.0012/18/2010 9:44:50 AM
credit-investor5$25.00$25.0012/18/2010 10:13:44 AM
AK49-JW$25.00$25.0012/17/2010 11:55:29 PM
thankful-nickel2$25.00$25.0012/18/2010 2:24:44 PM
wanna-help$50.00$50.0012/18/2010 2:46:35 PM
orange-preeminant-bill$50.00$50.0012/18/2010 2:41:45 AM
auction-formula$200.00$153.1712/18/2010 7:41:25 PM
lovely-order7$25.00$25.0012/18/2010 5:56:28 AM
felicity-festival$25.00$25.0012/18/2010 8:46:34 AM
sharp-return7$25.00$25.0012/18/2010 9:01:45 AM
87 bids
 
Borrower Payment Dependent Notes Series 487941
This series of Notes was issued and sold upon the funding of the borrower loan #46170, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 60 months Estimated loss: 3.50% Auction start date:  Dec-16-2010 
  Auction end date:  Dec-20-2010 
 
Starting lender yield: 12.95% Starting borrower rate/APR: 13.95% / 15.33% Starting monthly payment: $348.64
Final lender yield: 12.95% Final borrower rate/APR: 13.95% / 15.33% Final monthly payment: $348.64
 
Auction yield range: 4.00% - 12.95% Estimated loss impact: 3.55%  
Lender servicing fee: 1.00% Estimated return: 9.40%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, 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-1995 Debt/Income ratio: 17%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $151,953Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: CapitalismRocks Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off old debt
Purpose of loan:
This loan will be used to pay off old debt which includes a credit card and 3 student loans.? With this loan, I will also be able to sharpen my credit score by permanently removing 3 open items (the old student loans).? Currently, the minimum payments of the credit card combined with the student loans is almost double what the monthly payment would be with this new loan.? Also, only paying the minimum on the credit card and the student loans will result in many more years of payment obligations than this new loan term of 5 years.

My financial situation:
I am a good candidate for this loan because I have had perfect credit all my life, never missing any payments.? Also, I have been employed at the same job for 16+ years and resided in the same home for over 7 years.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain your $150K of revolving debt. Thanks and best wishes. - reflective-rupee
A: Most of it is a home equity loan (2nd mortgage). I don't know why it is classified as revolving credit since it is a fixed payment home mortgage. Thank you for your inquiry, I hope this helps. (Dec-16-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
indomitable-coin$100.00$100.0012/16/2010 3:20:42 PM
reflective-rupee$25.00$25.0012/16/2010 3:20:47 PM
rss197$25.00$25.0012/16/2010 3:21:12 PM
handshake5$100.00$100.0012/16/2010 3:21:22 PM
chris-heretoinvest$25.00$25.0012/16/2010 3:22:22 PM
SNH$100.00$100.0012/16/2010 3:31:39 PM
Tikibarman$100.00$100.0012/16/2010 3:35:15 PM
enthralling-deal180$50.00$50.0012/16/2010 3:19:51 PM
CAGE-Investments$25.00$25.0012/16/2010 3:38:17 PM
felicity-festival$40.00$40.0012/16/2010 3:25:18 PM
riskreward$100.00$100.0012/16/2010 3:27:51 PM
listing-trapper3$57.25$57.2512/16/2010 3:28:06 PM
wonderful-dime$25.00$25.0012/16/2010 3:28:10 PM
meenan$50.00$50.0012/16/2010 3:28:16 PM
ASR3$35.00$35.0012/16/2010 3:28:32 PM
SimpleChoice$25.00$25.0012/16/2010 3:30:45 PM
intuitive-hope9$25.00$25.0012/16/2010 3:31:32 PM
macjp123$25.00$25.0012/16/2010 3:32:55 PM
sleepdeprived$25.00$25.0012/16/2010 8:53:32 PM
Tech-Entrepreneur$25.00$25.0012/16/2010 3:20:34 PM
euro-marble$50.00$50.0012/16/2010 11:06:24 PM
radforj22$25.00$25.0012/16/2010 3:25:21 PM
wanna-help$50.00$50.0012/16/2010 3:26:06 PM
brightest-affluence-motivator$50.00$50.0012/16/2010 3:27:45 PM
finance_mba$25.00$25.0012/16/2010 3:27:57 PM
AFairDeal$50.00$50.0012/16/2010 3:28:43 PM
reflective-rupee$1,000.00$1,000.0012/16/2010 8:35:56 PM
reflective-rupee$1,000.00$1,000.0012/16/2010 8:36:12 PM
bowdish1$50.00$50.0012/16/2010 3:30:53 PM
richboy56$25.00$25.0012/16/2010 3:32:10 PM
elasermd$31.43$31.4312/16/2010 3:32:15 PM
benefit-squirrel$30.00$30.0012/16/2010 3:32:20 PM
fortytwo$300.00$300.0012/16/2010 3:33:23 PM
Investoman$100.00$100.0012/16/2010 3:33:32 PM
income-excellence1$50.00$50.0012/16/2010 3:35:33 PM
Havana21$200.00$200.0012/16/2010 3:36:28 PM
red-unequivocal-finance$25.00$25.0012/17/2010 6:28:16 AM
ptjg$50.00$50.0012/16/2010 3:37:39 PM
Scotcha$50.00$50.0012/17/2010 8:25:09 AM
JustMee$25.00$25.0012/17/2010 8:35:50 AM
socrates520$50.00$50.0012/16/2010 11:24:23 PM
cclady$100.00$100.0012/17/2010 8:39:13 AM
reflective-rupee$75.00$75.0012/16/2010 3:55:36 PM
Trimalchio12$25.00$25.0012/17/2010 9:32:20 AM
bxdoc$40.00$40.0012/16/2010 4:03:51 PM
kmr2$200.00$200.0012/17/2010 4:54:09 AM
dcap3$25.00$25.0012/17/2010 12:22:17 PM
eloquent-dime416$50.00$50.0012/17/2010 9:31:46 AM
cagcrash$75.00$75.0012/16/2010 10:36:18 PM
agalt$100.00$100.0012/17/2010 11:29:04 AM
orgy63$50.00$50.0012/17/2010 2:50:10 PM
money-bauble$25.00$25.0012/17/2010 5:41:29 AM
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basis-equalizer0$25.00$25.0012/17/2010 9:32:04 AM
lostontheedge$25.00$25.0012/17/2010 4:51:26 PM
money-vista$25.00$25.0012/17/2010 1:09:29 PM
trade-boots1$25.00$25.0012/17/2010 7:57:53 PM
callmebryan$25.00$25.0012/17/2010 8:24:05 PM
Mr_Marcus$25.00$25.0012/17/2010 4:52:58 PM
skuba$50.00$50.0012/18/2010 2:02:39 AM
thankful-nickel2$25.00$25.0012/17/2010 8:19:29 PM
ClearLake$25.00$25.0012/18/2010 3:16:46 AM
auction-formula$25.00$25.0012/18/2010 4:27:13 AM
financial-frenzy$50.00$50.0012/18/2010 6:16:25 AM
bboy21385$101.23$101.2312/18/2010 7:53:47 AM
invest-in-ed$150.00$150.0012/18/2010 8:42:34 AM
top-unflappable-economy$50.00$50.0012/18/2010 9:26:29 AM
fervent-repayment$25.00$25.0012/18/2010 9:51:32 AM
agwosdof$50.00$50.0012/18/2010 10:21:31 AM
velocity-solo$25.00$25.0012/17/2010 4:54:25 PM
GaussianCopulator$100.00$100.0012/18/2010 6:27:59 AM
teller$25.00$25.0012/17/2010 5:42:13 PM
JKEnterprises$25.00$25.0012/17/2010 6:01:46 PM
jigs0910$25.00$25.0012/18/2010 8:11:43 AM
crude$25.00$25.0012/18/2010 8:16:37 AM
rpg$25.00$25.0012/17/2010 6:39:10 PM
dinero-speaker$25.00$25.0012/18/2010 8:46:33 AM
sabre79$25.00$25.0012/18/2010 9:51:43 AM
LenderByDay$25.00$25.0012/18/2010 5:26:27 PM
economy-beast$200.00$200.0012/18/2010 7:59:44 PM
nilonc1$100.00$100.0012/17/2010 10:07:53 PM
Tradesmanlender$35.00$35.0012/18/2010 1:36:29 PM
successful-agreement7$25.00$25.0012/18/2010 1:22:22 AM
julijask$35.00$35.0012/18/2010 1:56:00 AM
gavinfh$25.00$25.0012/19/2010 10:35:05 AM
exciting-responsibility3$25.00$25.0012/18/2010 3:43:36 PM
gracej$25.00$25.0012/18/2010 4:08:23 PM
iamricher$25.00$25.0012/18/2010 4:36:53 PM
worthy-bid8$46.01$46.0112/18/2010 7:47:06 PM
wampum-chorus3$25.00$25.0012/18/2010 4:51:49 AM
Headhunter14$25.00$25.0012/18/2010 8:12:21 PM
japerk$25.00$25.0012/19/2010 3:14:15 PM
proper-commitment5$25.00$25.0012/18/2010 6:46:23 AM
melodious-fairness$25.00$25.0012/18/2010 6:53:48 AM
newest-generous-income$25.00$25.0012/18/2010 7:51:38 AM
vutah$50.00$50.0012/19/2010 7:44:04 AM
flanative$41.99$41.9912/19/2010 1:56:30 PM
orangetrust$25.00$25.0012/18/2010 12:48:52 PM
schpere$108.56$108.5612/19/2010 5:56:58 PM
riproaringrapids$25.00$25.0012/18/2010 1:21:29 PM
the-dollar-topper$37.69$37.6912/19/2010 6:26:29 AM
UT-Longhorn$25.00$25.0012/19/2010 7:29:31 AM
Cheburashka$25.00$25.0012/19/2010 9:06:29 AM
gold-blanket0$50.00$50.0012/19/2010 11:52:06 AM
gold-sushi$25.00$25.0012/19/2010 3:33:30 PM
balance-voyager$50.00$50.0012/19/2010 3:51:57 PM
stanbalwight4$25.00$25.0012/19/2010 5:25:21 PM
ozzie$25.00$25.0012/20/2010 1:43:51 AM
pathcrx$25.00$25.0012/20/2010 6:14:13 AM
loan-upholder4$25.00$25.0012/20/2010 6:52:15 AM
kccameo$25.00$25.0012/20/2010 7:18:16 AM
djlucas$34.28$34.2812/20/2010 7:29:41 AM
BouckshireInvestments$25.00$25.0012/20/2010 7:43:54 AM
victorcab$50.00$50.0012/20/2010 7:44:53 AM
DMark69$25.00$25.0012/20/2010 7:44:06 AM
duty-starfish8$50.00$50.0012/20/2010 7:49:11 AM
Ambassador$100.00$100.0012/20/2010 7:52:51 AM
mystss$50.00$50.0012/20/2010 8:13:15 AM
reflective-cash0$25.00$25.0012/20/2010 7:59:07 AM
MoxiePop$50.00$50.0012/20/2010 7:55:19 AM
Spring342$50.00$50.0012/20/2010 8:14:06 AM
Macinvest$25.00$25.0012/20/2010 7:58:57 AM
heerzaquestion$50.00$50.0012/20/2010 8:15:46 AM
CashBank$25.00$25.0012/20/2010 8:26:08 AM
C_Mark$50.00$50.0012/20/2010 8:14:15 AM
amijo$25.00$25.0012/20/2010 8:14:23 AM
successful-integrity$50.00$50.0012/20/2010 8:14:30 AM
coin-amigo$26.00$26.0012/20/2010 8:33:44 AM
hotwired$50.00$50.0012/20/2010 8:19:27 AM
vivacious-credit5$25.00$25.0012/20/2010 8:25:59 AM
BrooklynJim$50.00$50.0012/20/2010 8:44:18 AM
mykkai$25.00$25.0012/20/2010 8:30:59 AM
BuzzyBee336$30.00$30.0012/20/2010 8:31:20 AM
icon7$40.00$40.0012/20/2010 8:50:36 AM
ChewyAXE$50.00$50.0012/20/2010 8:44:15 AM
respectful-integrity3$25.00$25.0012/20/2010 8:39:29 AM
singletrck$25.00$25.0012/20/2010 9:12:38 AM
benefit-piano5$25.00$25.0012/20/2010 8:44:09 AM
wonderous-velocity1$50.00$50.0012/20/2010 9:13:10 AM
Kmac_Lending$50.00$50.0012/20/2010 9:19:17 AM
IcedMochaFund$25.00$25.0012/20/2010 9:20:24 AM
pythia$25.00$25.0012/20/2010 9:25:02 AM
TEAM-Jasper$50.00$50.0012/20/2010 9:28:59 AM
money-aggregator7$25.00$25.0012/20/2010 9:40:27 AM
mledom$50.00$50.0012/20/2010 9:10:06 AM
helynn$25.00$25.0012/20/2010 9:46:59 AM
top-courteous-peso$100.00$100.0012/20/2010 9:50:41 AM
awe53$25.00$25.0012/20/2010 9:50:45 AM
norcalsv$50.00$50.0012/20/2010 9:54:13 AM
independent-revenue4$50.00$50.0012/20/2010 9:59:14 AM
AuroraRobbin$50.00$50.0012/20/2010 9:35:48 AM
rich329$25.00$25.0012/20/2010 10:07:24 AM
loot-duckling$25.00$25.0012/20/2010 10:14:48 AM
greenback-magma1$50.00$50.0012/20/2010 10:14:50 AM
greenback-magma1$100.00$100.0012/20/2010 10:19:40 AM
mpatrick$25.00$25.0012/20/2010 10:17:25 AM
rajs$250.00$250.0012/20/2010 10:27:12 AM
junctionking$25.00$25.0012/20/2010 10:39:41 AM
zacd$25.00$25.0012/20/2010 10:31:55 AM
Feyenoord$25.00$25.0012/20/2010 10:14:44 AM
joyous-revenue4$25.00$25.0012/20/2010 10:16:32 AM
Fletch70$61.06$61.0612/20/2010 10:38:52 AM
Veltliner$25.00$25.0012/20/2010 10:39:16 AM
notown$30.00$30.0012/20/2010 10:31:22 AM
calm-deal7$25.00$25.0012/20/2010 10:39:11 AM
Relevance$25.00$25.0012/20/2010 10:39:28 AM
DasMula$25.00$5.7112/20/2010 10:39:43 AM
jazzlender$50.00$50.0012/16/2010 3:24:19 PM
careful-note$100.00$100.0012/16/2010 3:27:03 PM
subtle-revenue0$25.00$25.0012/16/2010 3:27:34 PM
Webpreneur$50.00$50.0012/16/2010 3:28:52 PM
investment-comet$25.00$25.0012/16/2010 3:31:00 PM
BigLinCT$25.00$25.0012/16/2010 3:35:06 PM
bayareainv$50.00$50.0012/16/2010 3:35:38 PM
ichibon$150.00$150.0012/16/2010 3:20:19 PM
bid-czar8$100.00$100.0012/16/2010 3:36:10 PM
tech310$50.00$50.0012/16/2010 3:21:08 PM
bold-treasure-neutrino$50.00$50.0012/16/2010 3:37:52 PM
the-enterprising-leverage$25.00$25.0012/16/2010 3:29:17 PM
GElender$75.00$75.0012/16/2010 3:59:54 PM
the-profit-oracle$25.00$25.0012/16/2010 3:35:46 PM
benefit-squirrel$150.00$150.0012/16/2010 6:32:14 PM
jamiee73$25.00$25.0012/16/2010 3:23:40 PM
coin-investor$25.00$25.0012/16/2010 4:38:23 PM
kulender$50.00$50.0012/16/2010 3:26:37 PM
FoosMaster$100.00$100.0012/16/2010 3:26:50 PM
Pulchritudinous$25.00$25.0012/16/2010 3:26:56 PM
nourishing-payment8$25.00$25.0012/16/2010 7:40:52 PM
Bank42$50.00$50.0012/16/2010 3:28:01 PM
arampata$108.33$108.3312/17/2010 3:24:17 AM
Artist_Blue$25.00$25.0012/16/2010 3:30:15 PM
power-trophy7$25.00$25.0012/16/2010 3:31:12 PM
wtrboy$50.00$50.0012/17/2010 4:31:37 AM
NR$25.00$25.0012/16/2010 3:32:41 PM
PPLIN810$50.00$50.0012/16/2010 3:53:34 PM
the-bright-velocity$25.00$25.0012/17/2010 9:51:03 AM
seanambrose$25.00$25.0012/17/2010 9:53:35 AM
Bank_Of_XL$50.00$50.0012/16/2010 5:00:06 PM
alpinaut$25.00$25.0012/17/2010 10:25:04 AM
doobieBear$25.00$25.0012/16/2010 6:29:22 PM
newest-trade-spruce$50.00$50.0012/17/2010 11:08:13 AM
visionary-currency$50.00$50.0012/17/2010 11:08:16 AM
capital-web7$50.00$50.0012/16/2010 8:03:48 PM
Ripsaw4U$50.00$50.0012/17/2010 7:11:38 AM
Ready2Loan$25.00$25.0012/17/2010 9:32:59 AM
dckpolo$50.00$50.0012/16/2010 11:06:28 PM
thrilling-dedication4$120.00$120.0012/16/2010 11:41:20 PM
valiant-liberty4$25.00$25.0012/17/2010 12:00:00 PM
platinum-celebration4$25.00$25.0012/17/2010 4:33:20 PM
108lender$150.00$150.0012/17/2010 4:54:13 PM
novice-speculator$25.00$25.0012/17/2010 3:24:59 PM
credit-bearer959$25.00$25.0012/18/2010 12:34:55 AM
Dubbs360$25.00$25.0012/18/2010 1:03:08 AM
Mojo1$25.00$25.0012/17/2010 6:58:47 PM
lloyd_s$25.00$25.0012/18/2010 2:01:57 AM
drewdog365$25.00$25.0012/17/2010 7:22:03 PM
loyalist1$25.00$25.0012/17/2010 9:19:25 PM
knowledgeable-balance0$50.00$50.0012/17/2010 3:44:21 PM
nickel-ferret$49.34$49.3412/18/2010 6:56:26 AM
FallonCredit$25.00$25.0012/18/2010 8:35:22 AM
kind-adventurous-finance$33.22$33.2212/18/2010 2:44:49 AM
agile-diversification2$25.00$25.0012/17/2010 4:56:58 PM
mattpet$25.00$25.0012/18/2010 2:41:36 PM
hopethisworks$50.00$50.0012/18/2010 2:46:38 PM
leverage-monger$25.00$25.0012/18/2010 3:09:35 PM
objective-investor$25.00$25.0012/17/2010 7:36:29 PM
GATrust$50.00$50.0012/18/2010 6:29:04 PM
mmckune$25.00$25.0012/18/2010 1:31:26 PM
Aimvest$25.00$25.0012/18/2010 1:21:15 AM
chlebie$25.00$25.0012/18/2010 2:15:44 AM
currency-cigar4$50.00$50.0012/19/2010 11:32:40 AM
alexstar$25.00$25.0012/18/2010 8:06:28 PM
rbrown15$70.00$70.0012/19/2010 3:12:21 PM
kegs$200.00$200.0012/19/2010 4:11:04 PM
auction-seeker$25.00$25.0012/19/2010 6:28:43 AM
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sdr984$25.00$25.0012/18/2010 8:04:14 AM
bigphish$25.00$25.0012/19/2010 9:39:58 AM
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gain-gourd$25.00$25.0012/19/2010 3:21:31 PM
larrybird$200.00$200.0012/19/2010 4:01:36 PM
fairness-swashbuckler$50.00$50.0012/18/2010 1:26:51 PM
DasCoon$25.00$25.0012/18/2010 3:02:36 PM
lisanate$25.00$25.0012/19/2010 6:36:42 AM
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tszbgae$50.00$50.0012/19/2010 4:49:31 PM
theloanfiller$50.00$50.0012/20/2010 5:23:08 AM
inspiring-reward$150.00$150.0012/20/2010 5:23:48 AM
jguerrajr$29.24$29.2412/20/2010 5:35:29 AM
squarebob$100.00$100.0012/20/2010 6:09:31 AM
bonus-quark4$25.00$25.0012/20/2010 6:43:57 AM
studious-bonus7$100.00$100.0012/20/2010 7:14:51 AM
penny-chooser$25.00$25.0012/20/2010 7:07:50 AM
LessAllan$50.00$50.0012/20/2010 7:40:28 AM
Jassi$25.00$25.0012/20/2010 8:04:48 AM
welovebutterflies$25.00$25.0012/20/2010 7:53:16 AM
TheoProf$50.00$50.0012/20/2010 7:49:17 AM
upright-silver$25.00$25.0012/20/2010 8:14:10 AM
sankyu$25.00$25.0012/20/2010 8:14:00 AM
UBOtto186$50.00$50.0012/20/2010 8:14:12 AM
vigilance-searcher$25.00$25.0012/20/2010 8:31:33 AM
upright-silver$44.01$44.0112/20/2010 8:16:40 AM
income-vault6$25.00$25.0012/20/2010 8:28:57 AM
lazyeye$25.00$25.0012/20/2010 8:36:22 AM
MilitaryAV8R$25.00$25.0012/20/2010 9:24:18 AM
green-wampum-titan$25.00$25.0012/20/2010 9:00:39 AM
currency-oak$50.00$50.0012/20/2010 9:50:35 AM
ore-seagull$50.00$50.0012/20/2010 9:50:47 AM
investinFla$60.17$60.1712/20/2010 9:30:54 AM
Rivervale_Westwood$25.00$25.0012/20/2010 9:54:17 AM
helpingyou1$26.56$26.5612/20/2010 9:57:35 AM
leverage-monger$50.00$50.0012/20/2010 10:06:08 AM
jrhinomo$65.00$65.0012/20/2010 10:02:08 AM
joyous-revenue4$25.00$25.0012/20/2010 10:08:56 AM
friendlyviking$50.00$50.0012/20/2010 9:39:40 AM
roi-advantage$25.00$25.0012/20/2010 10:07:56 AM
rlrcstr$25.00$25.0012/20/2010 10:08:42 AM
MarinLoans$25.00$25.0012/20/2010 10:39:30 AM
georgedorn$25.00$25.0012/20/2010 10:18:00 AM
creature2$25.00$25.0012/20/2010 10:39:15 AM
dg5803$26.02$26.0212/20/2010 10:39:33 AM
buddy486$25.00$25.0012/20/2010 10:39:09 AM
hanuman77$48.13$48.1312/20/2010 10:39:22 AM
peace-maximizer8$25.00$25.0012/20/2010 10:39:31 AM
284 bids
 
Borrower Payment Dependent Notes Series 487961
This series of Notes was issued and sold upon the funding of the borrower loan #46175, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-16-2010 
 
Starting lender yield: 20.40% Starting borrower rate/APR: 21.40% / 24.82% Starting monthly payment: $121.22
Final lender yield: 20.00% Final borrower rate/APR: 21.00% / 24.41% Final monthly payment: $120.56
 
Auction yield range: 7.51% - 20.40% Estimated loss impact: 9.17%  
Lender servicing fee: 1.00% Estimated return: 10.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1995 Debt/Income ratio: 3%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: searcher051 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 debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: What is the interest rate of the debt you want to pay off? Thanks and good luck. - interest88
A: Hard to figure because this will be to pay off several outstanding, unsecured debts(5 in total); probably around 3.4% (Dec-14-2010)
Q: Thanks, what is the highest interest rate for this loan that you will accept? - interest88
A: 18-20% (Dec-15-2010)
Q: Based on your answers to the 2 questions posted, why do you want a loan at 20% when the interest rate you are paying is 3.4%? - Danjack_Capital
A: My error. This loan will be paying off several debts; its difficult to give a number on what I'm paying now overall. (Dec-15-2010)
Q: Monthly expenses/income? Amount of credit card debt? Other debt? - Trakissta
A: Monthly income is 3200 Expenses for phone/interent/food/cable: 500-600 Rent 930 Credit card debt not really an issue. Need this to eliminate some payday loans that have overcome me. (Dec-15-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Drewkeeper$25.00$25.0012/14/2010 4:11:51 PM
CymruAmByth$25.00$25.0012/14/2010 4:12:57 PM
income-fortress$25.00$25.0012/14/2010 4:15:47 PM
B-rad_the_Coug$25.00$25.0012/14/2010 4:16:19 PM
tolerant-dinero2$25.00$25.0012/14/2010 4:24:29 PM
reflective-rupee$200.00$200.0012/14/2010 4:36:43 PM
interstellar$50.00$50.0012/14/2010 4:33:54 PM
Thylow$500.00$368.8612/14/2010 4:34:11 PM
credit-investor5$25.00$25.0012/14/2010 4:36:19 PM
tnjohnso$25.00$25.0012/14/2010 4:16:53 PM
puyanera$25.00$25.0012/14/2010 4:17:52 PM
850$50.00$50.0012/14/2010 8:20:27 PM
building_community$30.65$30.6512/14/2010 5:08:02 PM
Thylow$25.00$25.0012/14/2010 4:23:42 PM
hurricanefever$50.00$50.0012/14/2010 4:32:59 PM
VAGweilo$50.00$50.0012/14/2010 4:33:12 PM
mammalian4$25.00$25.0012/14/2010 4:36:45 PM
turbostar666$25.00$25.0012/14/2010 4:47:53 PM
mobius_titan$25.00$25.0012/15/2010 12:46:44 PM
serene-integrity4$25.00$25.0012/15/2010 1:24:37 PM
mystss$45.00$45.0012/16/2010 7:31:06 AM
reflective-rupee$400.00$400.0012/16/2010 9:59:57 AM
reflective-rupee$200.00$200.0012/16/2010 10:06:16 AM
hyperdrive7$25.00$25.0012/16/2010 12:52:36 AM
Myrick$25.00$25.0012/16/2010 1:09:21 PM
ksubd$50.00$50.0012/14/2010 4:12:49 PM
commerce-yeller$50.00$50.0012/14/2010 4:16:48 PM
LibbyZ$50.00$50.0012/14/2010 4:12:11 PM
Thylow$100.00$100.0012/14/2010 4:27:16 PM
kc8fot$50.00$50.0012/14/2010 4:36:47 PM
Tai$25.00$25.0012/14/2010 4:47:38 PM
Thylow$25.00$25.0012/14/2010 4:27:18 PM
EngineersAlliance$100.00$100.0012/14/2010 4:56:37 PM
top-courteous-peso$100.00$100.0012/14/2010 4:33:55 PM
nickel-hickory$50.00$50.0012/14/2010 5:02:44 PM
stuy1998$28.56$28.5612/14/2010 4:36:23 PM
rate-mogul$50.00$50.0012/14/2010 4:16:21 PM
valiant-liberty4$25.00$25.0012/15/2010 1:00:11 AM
dollardave$100.00$100.0012/14/2010 10:31:53 PM
Bank_Of_XL$25.00$25.0012/15/2010 6:15:59 AM
reflective-rupee$200.00$200.0012/14/2010 8:29:30 PM
selector568$100.00$100.0012/15/2010 12:47:42 PM
Sol_Invictus$25.00$25.0012/15/2010 5:51:31 AM
loyalty-czar$30.00$30.0012/15/2010 8:21:23 AM
britches613$45.15$45.1512/15/2010 3:16:09 PM
all_of_that_one$25.00$25.0012/15/2010 4:18:56 PM
ptjg$25.00$25.0012/16/2010 2:22:55 AM
hope-wonder4$26.78$26.7812/16/2010 10:09:04 AM
Scotcha$50.00$50.0012/16/2010 5:29:42 AM
FinanceEngine$25.00$25.0012/16/2010 1:04:04 PM
50 bids
 
Borrower Payment Dependent Notes Series 487971
This series of Notes was issued and sold upon the funding of the borrower loan #46179, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80% Auction start date:  Dec-17-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.51% Starting monthly payment: $63.27
Final lender yield: 28.50% Final borrower rate/APR: 29.50% / 33.51% Final monthly payment: $63.27
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1994 Debt/Income ratio: 15%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,971Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: loan-refuge8 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Make my Daughter's Dreams Come True
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)
kulender$100.00$100.0012/17/2010 3:32:42 PM
Investoman$50.00$50.0012/17/2010 3:34:37 PM
transaction-circuit$25.00$25.0012/17/2010 3:37:08 PM
FinDoc$30.00$30.0012/17/2010 4:01:41 PM
EBITDA$25.00$25.0012/17/2010 3:36:37 PM
diplomatic-wealth7$25.00$25.0012/17/2010 3:37:53 PM
lendstats_com$200.00$200.0012/17/2010 4:43:48 PM
EngineersAlliance$150.00$150.0012/17/2010 4:02:48 PM
reflective-rupee$150.00$150.0012/17/2010 4:12:09 PM
mercuriant$25.00$25.0012/18/2010 5:12:58 AM
back-scratchers$25.00$25.0012/18/2010 2:41:24 PM
Danjack_Capital$25.00$25.0012/18/2010 4:21:08 PM
wwwUniversal$25.00$25.0012/18/2010 2:41:14 AM
auction-seeker$25.00$25.0012/19/2010 6:54:55 AM
Bocephus1959$25.00$25.0012/19/2010 8:43:06 AM
priceless-euro0$25.00$25.0012/19/2010 5:41:19 PM
handshake5$100.00$100.0012/17/2010 3:33:25 PM
smith1$50.00$50.0012/17/2010 3:34:49 PM
Redmond$25.00$19.0412/17/2010 3:38:37 PM
simplelender80$100.00$100.0012/17/2010 3:34:21 PM
hopeful-truth5$100.00$100.0012/17/2010 3:37:42 PM
SolarMoonshine$25.00$25.0012/17/2010 5:07:51 PM
Artist_Blue$25.00$25.0012/17/2010 3:38:20 PM
nickel-hickory$50.00$50.0012/17/2010 3:43:38 PM
foothillender$25.00$25.0012/18/2010 7:29:32 AM
JustMee$25.00$25.0012/17/2010 5:06:55 PM
nfx$25.00$25.0012/18/2010 3:48:34 PM
atrevete$25.96$25.9612/19/2010 1:51:55 PM
28 bids
 
Borrower Payment Dependent Notes Series 487616
This series of Notes was issued and sold upon the funding of the borrower loan #46149, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20% Auction start date:  Dec-13-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $327.49
Final lender yield: 31.20% Final borrower rate/APR: 32.20% / 35.86% Final monthly payment: $327.49
 
Auction yield range: 13.51% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,438Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: balance-cymbal Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off two small car loans
Purpose of loan:
This loan will be used to consolidate two small car loans.?

My financial situation:
I am a good candidate for this loan because we own a mobile home and the land it's on and they are both paid for. My husband is securely employed at a Utility company.

Monthly net income: $ 65,100 (5-7% raise in Jan 2011)

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $ Currently $600
??Utilities: $ 200.00
??Phone, cable, internet: $ 220
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hi there, are you both covered by health insurance? Thanks and good luck with this loan. - green-rapid-openness
A: Yes. We are both covered through my husband's employer's health insurance. (Dec-16-2010)
Q: at what point will the interest rate here be lower than what you are paying for the two auto loans? i'd suspect that at nearly 30% here, this is more expensive than what you are currently paying... - eriqnoodle
A: We are looking more at consolidating (one payment) rather than long term payoff. (Dec-18-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
EBITDA$25.00$25.0012/13/2010 3:07:15 PM
ASR3$35.00$35.0012/13/2010 3:29:13 PM
simplelender80$100.00$100.0012/13/2010 3:31:13 PM
a-finance-nirvana$25.00$25.0012/13/2010 3:45:33 PM
minddoc$25.00$25.0012/13/2010 3:50:06 PM
symbiosis$50.00$50.0012/13/2010 3:35:18 PM
Interstate_Rate$50.00$50.0012/13/2010 3:37:25 PM
TrekTune$25.00$25.0012/13/2010 3:55:02 PM
flanative$100.00$100.0012/13/2010 3:47:53 PM
coin-bee1$50.00$50.0012/13/2010 3:52:55 PM
LoisLoan$25.00$25.0012/13/2010 3:54:30 PM
hope-hickory$25.00$25.0012/13/2010 3:57:18 PM
jazzlender$25.00$25.0012/13/2010 4:29:18 PM
paytonbrigadier$300.00$300.0012/13/2010 3:37:38 PM
IIP77$25.00$25.0012/13/2010 4:27:31 PM
secureincome$1,978.94$1,847.1112/13/2010 4:41:49 PM
bid-czar8$100.00$100.0012/13/2010 4:28:55 PM
graceful-investment$100.00$100.0012/13/2010 3:44:46 PM
finagler$25.00$25.0012/13/2010 4:32:18 PM
astute-investment5$25.00$25.0012/13/2010 4:32:45 PM
new-social-economist$80.00$80.0012/13/2010 3:49:19 PM
NR$25.00$25.0012/13/2010 3:51:25 PM
ionyad$50.00$50.0012/13/2010 3:51:44 PM
Comoparklender$50.00$50.0012/13/2010 4:39:16 PM
silver-enlightenment0$50.00$50.0012/13/2010 3:58:02 PM
Saleen06$25.00$25.0012/13/2010 7:48:36 PM
flwah$25.00$25.0012/13/2010 4:32:33 PM
Kash2010lu$25.00$25.0012/14/2010 6:37:54 AM
SolarMoonshine$25.00$25.0012/13/2010 5:36:43 PM
Bob450$25.00$25.0012/14/2010 9:54:20 AM
nickel-position$25.00$25.0012/14/2010 8:44:57 AM
wonder3$25.00$25.0012/16/2010 6:29:03 AM
ethicalhumanist$25.00$25.0012/16/2010 3:15:50 PM
droopie1$25.00$25.0012/17/2010 12:19:40 AM
draggon77$25.00$25.0012/17/2010 6:35:39 AM
impressive-openness7$25.00$25.0012/17/2010 9:16:06 AM
sdcc72$25.00$25.0012/17/2010 3:23:20 PM
attractive-rate$25.00$25.0012/18/2010 5:25:44 AM
Easystreet$25.00$25.0012/18/2010 12:44:19 AM
Pu239$60.00$60.0012/18/2010 7:32:48 AM
fiserve4u$25.00$25.0012/18/2010 3:14:15 PM
novice-speculator$25.00$25.0012/18/2010 10:10:36 AM
eriqnoodle$25.00$25.0012/18/2010 6:13:15 PM
RyanM561$25.00$25.0012/19/2010 1:08:26 PM
skillful-asset5$35.00$35.0012/18/2010 10:08:36 AM
Kqwik$25.57$25.5712/18/2010 7:40:59 PM
Rip128$75.00$75.0012/19/2010 11:56:11 AM
diplomatic-wealth7$25.00$25.0012/13/2010 3:30:22 PM
richboy56$25.00$25.0012/13/2010 3:43:10 PM
kulender$50.00$50.0012/13/2010 3:08:37 PM
hayhelp$25.00$25.0012/13/2010 3:52:41 PM
worthy-bid8$50.00$50.0012/13/2010 3:39:56 PM
ichibon$25.00$25.0012/13/2010 3:43:37 PM
cropdust3r$25.00$25.0012/13/2010 4:01:13 PM
Guerrilla_Man$25.00$25.0012/13/2010 3:47:09 PM
ukstevenhawaii$100.00$100.0012/13/2010 3:23:54 PM
DonaldColorado$50.00$50.0012/13/2010 3:29:47 PM
Artist_Blue$25.00$25.0012/13/2010 3:32:25 PM
Investoman$50.00$50.0012/13/2010 4:00:21 PM
handshake5$100.00$100.0012/13/2010 3:34:04 PM
scrappy-diversification7$1,500.00$1,500.0012/13/2010 4:26:27 PM
SNH$100.00$100.0012/13/2010 3:42:09 PM
PRGuyinVA$25.00$25.0012/13/2010 3:45:49 PM
reflective-rupee$100.00$100.0012/13/2010 4:50:58 PM
Mariner3605$50.00$50.0012/13/2010 4:32:50 PM
Whipster$30.00$30.0012/13/2010 7:19:00 PM
alexgalt$25.00$25.0012/13/2010 10:58:38 PM
dedicated-transaction796$50.00$50.0012/13/2010 4:26:48 PM
Gibbyland$50.00$50.0012/13/2010 4:28:19 PM
nybanker85$30.00$30.0012/13/2010 4:29:12 PM
LiveNow$25.00$25.0012/13/2010 4:32:48 PM
JPMorrisLegacyFund$100.00$100.0012/13/2010 4:38:49 PM
greenback-guard$25.00$25.0012/14/2010 12:56:29 PM
850$50.00$50.0012/14/2010 7:52:37 PM
JauaFlash$25.00$25.0012/15/2010 3:54:46 PM
gshx2$25.00$25.0012/16/2010 7:50:33 AM
green-rapid-openness$50.00$50.0012/16/2010 3:45:03 PM
green-rapid-openness$100.00$100.0012/16/2010 3:45:25 PM
larryboy10$25.00$25.0012/17/2010 10:17:37 AM
worldly-gold$50.00$50.0012/16/2010 9:19:50 PM
kendallv$25.00$25.0012/17/2010 10:51:23 PM
RickColo$50.00$50.0012/18/2010 10:47:02 AM
aztocas$50.00$50.0012/18/2010 11:21:31 AM
LaBamba$100.00$100.0012/18/2010 11:36:41 AM
cti11$25.00$25.0012/18/2010 11:42:42 AM
ErvLending$37.32$37.3212/18/2010 12:20:47 PM
auction-seeker$25.00$25.0012/19/2010 7:11:41 AM
fund-secret-agent$25.00$25.0012/18/2010 1:56:40 PM
realtormoises$25.00$25.0012/18/2010 6:47:49 AM
ptclender$60.00$60.0012/18/2010 10:14:32 AM
foothillender$25.00$25.0012/18/2010 10:46:27 AM
Bidwinner08$60.00$60.0012/18/2010 3:50:56 PM
Baldcop$50.00$50.0012/18/2010 4:30:54 PM
Bocephus1959$25.00$25.0012/19/2010 8:28:14 AM
market-pudding$25.00$25.0012/19/2010 1:49:34 PM
95 bids
 
Borrower Payment Dependent Notes Series 487692
This series of Notes was issued and sold upon the funding of the borrower loan #46177, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $203.32
Final lender yield: 12.40% Final borrower rate/APR: 13.40% / 15.55% Final monthly payment: $203.32
 
Auction yield range: 5.51% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1980 Debt/Income ratio: 20%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 63 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $207,702Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: MastersJacket Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $9,645.27 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Pay last high interest rate card
Purpose of loan:
This loan will be used to accelerate my plan to be debt free within?5 years.?

My financial situation:
I am a good candidate for this loan because I have stable employment and a very good payment history.? I do not sign loan agreements unless I know I have the resources to meet the obligation.

Monthly net income: $ 7500

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 700
??Car expenses: $350
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $?3500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain your very high revolving debt. If any of this is a home-equity-line-of-credit, how much debt is on your home and what is it currently worth? Thanks and best wishes. - reflective-rupee
A: $110,000 is a home equity line we used to make improvements on the house. At the time, the improvements made the house worth over $300K but since the retrenchment in home values, the value has declined to about $290K and we have a first mortgage of about $160K for a total owed of $270K. (Dec-15-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
tech310$50.00$50.0012/14/2010 4:14:24 PM
jamiee73$25.00$25.0012/14/2010 4:15:32 PM
SiebirdLending$25.00$25.0012/14/2010 4:23:33 PM
ray1051$50.00$50.0012/14/2010 4:23:49 PM
cagcrash$75.00$75.0012/14/2010 4:29:48 PM
benefit-squirrel$30.00$30.0012/14/2010 4:30:53 PM
listing-trapper3$75.00$75.0012/14/2010 4:23:05 PM
Artist_Blue$25.00$25.0012/14/2010 4:26:45 PM
organized-payment6$50.00$50.0012/14/2010 4:27:09 PM
investment-comet$25.00$25.0012/14/2010 4:27:37 PM
power-trophy7$25.00$25.0012/14/2010 4:28:03 PM
intuitive-hope9$25.00$25.0012/14/2010 4:28:51 PM
macjp123$25.00$25.0012/14/2010 4:31:46 PM
red-unequivocal-finance$25.00$25.0012/14/2010 4:31:54 PM
enthralling-deal180$50.00$50.0012/14/2010 4:13:51 PM
kulender$50.00$50.0012/14/2010 4:15:04 PM
riskreward$100.00$100.0012/14/2010 4:22:36 PM
money-bauble$25.00$25.0012/14/2010 8:35:17 PM
Bank42$50.00$50.0012/14/2010 4:22:54 PM
tolerant-dinero2$25.00$25.0012/14/2010 4:24:19 PM
GElender$37.55$37.5512/14/2010 8:39:08 PM
113121$25.00$25.0012/14/2010 5:53:46 PM
reward-motion$50.00$50.0012/14/2010 4:32:14 PM
Sol_Invictus$25.00$25.0012/15/2010 5:36:44 AM
cerebral-dollar773$100.00$100.0012/15/2010 6:44:42 AM
Ripsaw4U$50.00$50.0012/15/2010 6:45:04 AM
superb-funds335$25.00$25.0012/15/2010 6:46:53 AM
notyourdaddy$25.00$25.0012/15/2010 7:34:58 AM
reflective-rupee$25.00$25.0012/15/2010 9:29:11 AM
Tikibarman$100.00$100.0012/15/2010 9:34:31 AM
golddivinefavor$50.00$50.0012/15/2010 9:35:14 AM
CapitolHill$25.00$25.0012/15/2010 3:26:46 PM
BigLinCT$25.00$25.0012/15/2010 7:17:40 AM
euro-marble$50.00$50.0012/15/2010 9:33:14 AM
108lender$150.00$150.0012/15/2010 5:32:34 PM
flanative$67.62$67.6212/15/2010 2:54:49 PM
terrific-return$25.00$25.0012/15/2010 3:32:36 PM
bold-treasure-neutrino$50.00$50.0012/16/2010 7:14:07 AM
the-dollar-topper$49.90$49.9012/16/2010 8:56:17 AM
JLChamberlain$25.00$25.0012/16/2010 4:29:10 AM
fuzed$55.00$55.0012/15/2010 5:58:00 PM
LoisLoan$25.00$25.0012/16/2010 10:39:46 AM
gold-channel2$50.00$50.0012/16/2010 10:41:05 AM
astute-investment5$25.00$25.0012/16/2010 10:43:19 AM
coin-investor$25.00$25.0012/16/2010 10:43:37 AM
raisingophelia$25.00$25.0012/16/2010 11:03:30 AM
efficient-treasure0$25.00$25.0012/16/2010 11:26:43 AM
Chris97$50.00$50.0012/16/2010 11:26:51 AM
systemlender$100.00$100.0012/15/2010 8:45:32 PM
safe-kindness5$25.00$25.0012/16/2010 10:38:16 AM
wayman$41.32$25.8912/16/2010 11:54:36 AM
reflective-rupee$425.00$425.0012/16/2010 10:53:36 PM
moneytolend72$25.00$25.0012/17/2010 8:11:44 AM
triumph329$50.00$50.0012/17/2010 1:00:30 PM
Nusk$25.00$25.0012/18/2010 2:16:03 AM
auction-seeker$25.00$25.0012/19/2010 6:46:41 AM
blue-useful-auction$25.00$25.0012/19/2010 2:37:34 PM
loss-of-control$50.00$50.0012/19/2010 3:03:00 PM
enthusiastic-balance5$200.00$200.0012/19/2010 11:33:21 AM
spiff666$25.00$25.0012/19/2010 10:56:07 AM
rss197$25.00$25.0012/14/2010 4:14:37 PM
finance_mba$25.00$25.0012/14/2010 4:22:47 PM
handshake5$100.00$100.0012/14/2010 4:15:54 PM
SNH$100.00$100.0012/14/2010 4:28:59 PM
richboy56$25.00$25.0012/14/2010 4:29:34 PM
hopeful-truth5$100.00$100.0012/14/2010 4:21:43 PM
Investoman$100.00$100.0012/14/2010 4:32:44 PM
RandyL3$25.00$25.0012/14/2010 4:33:22 PM
meenan$50.00$50.0012/14/2010 4:23:23 PM
AFairDeal$50.00$50.0012/14/2010 4:24:05 PM
Webpreneur$50.00$50.0012/14/2010 4:24:48 PM
the-enterprising-leverage$25.00$25.0012/14/2010 4:25:29 PM
SimpleChoice$25.00$25.0012/14/2010 4:27:03 PM
fortytwo$100.00$100.0012/14/2010 4:32:22 PM
laufer32304$100.00$100.0012/14/2010 4:34:21 PM
jazzlender$50.00$50.0012/14/2010 4:35:42 PM
radforj22$25.00$25.0012/14/2010 4:35:56 PM
chlebie$25.00$25.0012/14/2010 4:12:41 PM
indomitable-coin$50.00$50.0012/14/2010 4:13:46 PM
careful-note$100.00$100.0012/14/2010 4:17:00 PM
subtle-revenue0$25.00$25.0012/14/2010 4:22:10 PM
brightest-affluence-motivator$50.00$50.0012/14/2010 4:22:24 PM
ichibon$25.00$25.0012/14/2010 5:08:15 PM
wonderful-dime$25.00$25.0012/14/2010 4:23:17 PM
ASR3$35.00$35.0012/14/2010 4:23:54 PM
Pulchritudinous$25.00$25.0012/14/2010 4:24:42 PM
visionary-currency$50.00$50.0012/14/2010 8:39:46 PM
bowdish1$50.00$50.0012/14/2010 4:27:25 PM
NR$25.00$25.0012/14/2010 4:31:20 PM
the-profit-oracle$25.00$25.0012/15/2010 1:01:49 AM
secureincome$100.00$100.0012/14/2010 9:58:51 PM
currency-cigar4$50.00$50.0012/15/2010 6:43:03 AM
sci_guy$25.00$25.0012/15/2010 6:46:52 AM
bid-czar8$33.15$33.1512/15/2010 12:59:52 AM
platinum-celebration4$25.00$25.0012/15/2010 6:46:50 AM
rpg$35.00$35.0012/14/2010 7:11:36 PM
income-excellence1$50.00$50.0012/15/2010 12:59:38 PM
dckpolo$50.00$50.0012/15/2010 9:33:29 AM
rcmso$48.78$48.7812/15/2010 2:18:51 PM
UT-Longhorn$25.00$25.0012/15/2010 6:46:53 AM
generous-deal6$50.00$50.0012/15/2010 4:21:26 PM
Railbird$50.00$50.0012/15/2010 2:56:31 PM
a-responsible-return$50.00$50.0012/15/2010 11:38:50 PM
ptjg$50.00$50.0012/16/2010 2:26:39 AM
compwhiz$25.00$25.0012/16/2010 4:48:39 AM
Havana21$200.00$200.0012/15/2010 9:31:40 PM
rupeeapult$50.00$50.0012/16/2010 7:02:20 AM
velocity-solo$25.00$25.0012/15/2010 4:09:08 PM
PaulW$25.00$25.0012/16/2010 9:54:50 AM
CAGE-Investments$25.00$25.0012/16/2010 10:01:30 AM
gold-blanket0$25.00$25.0012/16/2010 10:12:14 AM
balance-voyager$50.00$50.0012/16/2010 8:07:34 AM
Headhunter14$25.00$25.0012/16/2010 10:58:37 AM
the-bright-velocity$25.00$25.0012/16/2010 11:03:24 AM
saschar$25.00$25.0012/16/2010 7:46:52 AM
powerful-finance7$25.00$25.0012/16/2010 11:21:35 AM
FerventOne$32.11$32.1112/16/2010 2:49:32 PM
thankful-nickel2$25.00$25.0012/17/2010 7:50:57 PM
4mydaughterseducation$25.00$25.0012/17/2010 7:32:03 PM
heerzaquestion$50.00$50.0012/19/2010 9:48:36 AM
Corellia$100.00$100.0012/19/2010 2:46:51 PM
mammalian4$25.00$25.0012/19/2010 3:26:36 PM
122 bids
 
Borrower Payment Dependent Notes Series 487746
This series of Notes was issued and sold upon the funding of the borrower loan #46167, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Dec-15-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 20.51% Starting monthly payment: $34.62
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 20.51% Final monthly payment: $34.62
 
Auction yield range: 5.51% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: May-2003 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,774 
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: mrloan777 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
Help me terminate my credit cards
Purpose of loan: To pay a lower interest rate then the 17.24% which one of my credit cards now charges. The majority of my credit card debt is alot lower then 17%. As you can see I have fallen into some credit card debt, but am currently revamping my financial situation. First I am going to extend my student loans which will in be immediately tackling the credit cards and the pending Prosper.com loan. Secondly, I have changed my old habits of using credit to pay for everything strictly to one credit card and cash for everything else. I have currently been jobless for the last few months, but have been selling items on Ebay to stay afloat which I can continue to do for a long time. I am currently seeking to get a job which will really help my financial situation with the hopes of being debt free with a good credit report. Also please note I used to be a lender on Prosper.com in 2007/2008.


Monthly net income: $
$550-$750
Monthly expenses:
Housing: $0 per month currently living with parents
Insurance: $100
Car expenses: $150
Utilities: $ 0
Phone, cable, internet: $0
Food, entertainment: $ 25
Clothing, household expenses $25
Credit cards and other loans: $ 300+$0 Student loan ( the student loan which will be in forbearance aka lowered to $0 for the next year)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
enthralling-deal180$50.00$50.0012/15/2010 3:52:30 PM
rss197$25.00$25.0012/15/2010 3:52:47 PM
handshake5$100.00$100.0012/15/2010 3:53:26 PM
hopeful-truth5$100.00$100.0012/15/2010 3:56:18 PM
Brown98$25.00$25.0012/15/2010 4:08:17 PM
subtle-revenue0$25.00$25.0012/15/2010 3:56:29 PM
jazzlender$25.00$25.0012/15/2010 3:54:00 PM
kulender$100.00$100.0012/15/2010 3:55:17 PM
careful-note$100.00$100.0012/15/2010 3:55:58 PM
brightest-affluence-motivator$50.00$50.0012/15/2010 3:56:36 PM
chibear34$25.00$25.0012/15/2010 4:08:15 PM
Sol_Invictus$25.00$25.0012/16/2010 11:04:24 AM
c-gurista-5$25.00$25.0012/16/2010 6:00:09 AM
loanermn$25.00$25.0012/17/2010 6:37:14 AM
wild_carrot$25.00$25.0012/17/2010 4:02:39 PM
loanermn$50.24$50.2412/17/2010 10:53:06 PM
indomitable-coin$50.00$50.0012/15/2010 3:52:36 PM
jamiee73$25.00$25.0012/15/2010 3:54:36 PM
tech310$50.00$50.0012/15/2010 3:52:56 PM
riskreward$100.00$5.9012/15/2010 3:56:46 PM
vutah$25.00$25.0012/15/2010 11:16:47 PM
108lender$43.86$43.8612/16/2010 10:14:37 AM
rainbowsorbet$25.00$25.0012/17/2010 10:16:19 PM
23 bids
 
Borrower Payment Dependent Notes Series 487752
This series of Notes was issued and sold upon the funding of the borrower loan #46172, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95% Auction start date:  Dec-15-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.63% Starting monthly payment: $69.23
Final lender yield: 13.90% Final borrower rate/APR: 14.90% / 17.63% Final monthly payment: $69.23
 
Auction yield range: 5.51% - 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: Feb-1993 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 33 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,849Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: silver-planet0 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Tax Preparation Business
Purpose of loan:
This loan will be used to purchase tax preparation software, to purchase necessary supplies and equipment,?and effectively?advertise my small business.

My financial situation:
I am a good candidate for this loan because I work extremely hard to pay back what I owe.? I do not believe in a "free lunch".? Because of my financial skills (accountant for over 12 years) and this being the second year preparing tax returns for individuals I will be able to repay the loan in a very short period of time (end of April 2010).? I project to more than double my clientele from last year?which resulted in $1,900.00 of gross income my first year.?Projected gross receipts equal $5,000.00.? Although I understand that spouse income is not considered in these loans, my wife?runs a piano studio and currently brings in $500 per month (with no overhead with students taught at home).? She is projected to have a full studio by the summer bringing in over $1,000 per month.??

A tax preparation business has?many advantages and opportunities:? 1) most Americans must file a tax return, 2) due to the complexity of the tax code many people are turning to a competent and reasonably priced tax specialist, and 3) the IRS has introduced stricter compliance guidelines for tax preparers who receive compensation for their work, forcing many "fly by nights" to take to the hills and not prepare taxes anymore in fear of being caught.

I am currently employed at one of the largest hospitals in the area as the Assistant Controller.? I have over five years experience in the Controllership position?at multiple hospitals.? I have worked in financial healthcare for over 12 years.? I am a strong candidate for a Controller position at a large hospital.?

My tax preparation business is being built to create extra income for my family, to create wealth,?and to live debt free in the future.

Monthly net income: $ 60,938

Monthly expenses: $
??Housing: $ 1,000.00
??Insurance: $ 371
??Car expenses: $ 660
??Utilities: $ 492
??Phone, cable, internet: $ 213
??Food, entertainment: $ 870
??Clothing, household expenses $ 200
??Credit cards and other loans: $?810
??Other expenses: $ 140
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain the 14 delinquencies mentioned on your credit report. - integrity-broker
A: Most of my delinquencies occurred in 2006. In 2004 we opened an online scrapbooking store to attempt to earn more income to care for my wife's father who lived with us. The business did not succeed like we wanted and decided to cut our losses and pay back our creditors by selling the business. We stayed in constant communication with our creditors and became current in a short amount of time. I recently refinanced my student loans which I was falling behind. They are now current and being paid. (Dec-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
jamiee73$25.00$25.0012/15/2010 3:52:42 PM
careful-note$100.00$100.0012/15/2010 3:55:59 PM
brightest-affluence-motivator$50.00$50.0012/15/2010 3:56:37 PM
finance_mba$25.00$25.0012/15/2010 3:57:13 PM
wonderful-dime$25.00$25.0012/15/2010 3:57:47 PM
shellstar$25.00$25.0012/15/2010 4:04:40 PM
handshake5$100.00$100.0012/15/2010 3:53:26 PM
kulender$100.00$100.0012/15/2010 3:55:20 PM
hopeful-truth5$100.00$100.0012/15/2010 3:56:18 PM
Bank42$50.00$50.0012/15/2010 3:57:23 PM
subtle-revenue0$25.00$25.0012/15/2010 3:56:29 PM
riskreward$100.00$100.0012/15/2010 3:56:47 PM
Figure4$25.00$25.0012/16/2010 6:32:26 AM
108lender$150.00$150.0012/16/2010 10:31:11 AM
exchange-squirrel$25.00$25.0012/17/2010 7:01:46 PM
marwadi-62$100.00$100.0012/17/2010 7:01:06 PM
thankful-nickel2$25.00$25.0012/17/2010 8:14:59 PM
Duckshovel$50.00$50.0012/18/2010 10:19:27 AM
trade-goblin9$25.00$25.0012/18/2010 9:34:32 PM
brwnidgirl$25.00$25.0012/18/2010 7:20:49 AM
prohelper$50.00$50.0012/19/2010 4:41:51 PM
tech310$50.00$50.0012/15/2010 3:52:57 PM
jazzlender$25.00$25.0012/15/2010 3:54:02 PM
meenan$50.00$20.2712/15/2010 3:57:57 PM
enthralling-deal180$50.00$50.0012/15/2010 3:52:30 PM
indomitable-coin$50.00$50.0012/15/2010 3:52:38 PM
rss197$25.00$25.0012/15/2010 3:52:47 PM
newest-funds-powerplant$25.00$25.0012/15/2010 6:09:14 PM
selector568$200.00$200.0012/15/2010 3:54:21 PM
listing-trapper3$75.00$75.0012/15/2010 3:57:39 PM
rustysailor$25.00$25.0012/15/2010 10:59:02 PM
tolerant-dinero2$25.00$25.0012/15/2010 4:06:57 PM
brginhuntr$29.73$29.7312/16/2010 4:49:35 AM
Scotcha$50.00$50.0012/16/2010 5:23:37 AM
sflash$25.00$25.0012/17/2010 12:06:42 PM
SpotLending$50.00$50.0012/18/2010 7:55:56 AM
economy-beast$75.00$75.0012/18/2010 7:55:30 PM
37 bids
 
Borrower Payment Dependent Notes Series 487814
This series of Notes was issued and sold upon the funding of the borrower loan #46155, 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-14-2010 
  Auction end date:  Dec-19-2010 
 
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: Sep-2004 Debt/Income ratio: 19%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,357Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: awesome-peace254 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
Young professional paying off CCs
Purpose of loan:
This loan will be used to pay off credit card balances in full on 3 of my credit cards ($4,500).? The rest of the loan will be split between the two remaining cards that hold the highest APR ($2000 to one, $1,000 to the other).?

My financial situation:
I am a good candidate for this loan because I am a young professional with a steady job and income stream.? I have credit card debt from college that I am working off.? This loan will be at a higher APR than most of my credit cards, but the deciding factor in approaching this loan is the psychology of credit card debt.? I struggle to feel the momentum of paying off debt when paying out to 5 different creditors, with different balances, interest rates, and due dates.? With this loan, I can see all of my debt in one place, make single large monthly payments ($700 - $1,000), and see the results actually happen.?

I have never been late on any credit card or loan payment.

The revolving credit balance that Prosper displays if $3,000 higher than my actual balance.? I am not sure why, but will look into it.? Also, I plan to pay off this loan in much less time than 3 years.?

I am willing to answer any questions, so please feel free to ask.? Thank you.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 950
??Other expenses: $ 600
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Is the $950 per month you pay on credit cards and other loans the minimum necessary? - Trakissta
A: No this is roughly the amount that I pay each month on the different cards. The minimum amount due on all of the cards combined would be much lower, around $350 a month. Thanks for your question. (Dec-17-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kulender$50.00$50.0012/14/2010 4:14:56 PM
diplomatic-wealth7$25.00$25.0012/14/2010 4:25:16 PM
handshake5$100.00$100.0012/14/2010 4:16:14 PM
simplelender80$100.00$100.0012/14/2010 4:25:46 PM
Redmond$25.00$25.0012/14/2010 4:26:56 PM
NR$25.00$25.0012/14/2010 4:31:29 PM
hopeful-truth5$100.00$100.0012/14/2010 4:23:46 PM
rss197$25.00$25.0012/14/2010 4:35:20 PM
dedicated-transaction796$50.00$50.0012/14/2010 4:36:37 PM
the-innovator331$50.00$50.0012/14/2010 4:38:17 PM
ASR3$35.00$35.0012/14/2010 4:24:38 PM
lendstats_com$400.00$400.0012/14/2010 4:28:30 PM
SNH$100.00$100.0012/14/2010 4:29:16 PM
jazzlender$25.00$25.0012/14/2010 4:36:04 PM
pioneer580$50.00$50.0012/14/2010 10:07:41 PM
felicity-daydream$75.00$75.0012/14/2010 10:04:29 PM
reflective-rupee$200.00$200.0012/15/2010 2:49:39 PM
reflective-rupee$200.00$200.0012/15/2010 2:50:06 PM
mercuriant$25.00$25.0012/15/2010 9:38:07 AM
worthy-bid8$50.00$50.0012/15/2010 12:49:11 PM
reflective-rupee$200.00$200.0012/15/2010 2:50:17 PM
money-bauble$25.00$18.4912/15/2010 3:03:40 PM
fund-fox4$30.00$30.0012/15/2010 8:19:15 PM
SolarMoonshine$25.00$25.0012/15/2010 4:03:39 PM
finance-prescription$50.00$50.0012/16/2010 12:48:14 PM
loan-oasis4$25.00$25.0012/16/2010 6:55:29 AM
Danjack_Capital$25.00$25.0012/17/2010 6:34:02 AM
first-serene-credit$25.00$25.0012/17/2010 8:42:58 AM
foothillender$25.00$25.0012/17/2010 8:18:09 AM
visionary-currency$300.00$300.0012/17/2010 11:10:29 AM
ag-ventures$50.00$50.0012/17/2010 5:28:31 PM
erowis$30.00$30.0012/17/2010 5:46:44 PM
new-social-economist$60.00$60.0012/17/2010 3:36:24 PM
wwwUniversal$25.00$25.0012/18/2010 2:19:11 AM
mpatrick$25.00$25.0012/17/2010 5:24:20 PM
intuitive-velocity4$75.00$75.0012/18/2010 2:42:11 PM
Trakissta$300.00$300.0012/17/2010 8:16:54 PM
silverloan$37.19$37.1912/18/2010 1:15:37 AM
mammalian4$25.00$25.0012/18/2010 5:13:30 AM
kttalamo$25.00$25.0012/18/2010 8:22:31 PM
platinum-enlightenment$25.00$25.0012/19/2010 3:40:53 PM
mmeyer_jr$25.00$25.0012/19/2010 5:08:25 AM
credit-missile$25.00$25.0012/19/2010 1:22:52 PM
Doogles02$25.00$25.0012/18/2010 4:11:01 PM
DHolly$30.00$30.0012/18/2010 6:04:23 PM
credit-missile$100.00$100.0012/19/2010 12:38:22 PM
DonaldColorado$50.00$50.0012/14/2010 4:25:03 PM
Artist_Blue$25.00$25.0012/14/2010 4:26:02 PM
coin-bee1$50.00$50.0012/14/2010 4:32:03 PM
Investoman$50.00$50.0012/14/2010 4:32:54 PM
Thylow$100.00$100.0012/14/2010 4:27:14 PM
paytonbrigadier$250.00$250.0012/14/2010 4:31:06 PM
nickel-hickory$50.00$50.0012/14/2010 4:34:36 PM
EBITDA$25.00$25.0012/14/2010 4:14:11 PM
divedude$25.00$25.0012/15/2010 3:16:41 AM
ichibon$25.00$25.0012/15/2010 1:16:47 AM
buffalobills$25.00$25.0012/15/2010 7:38:43 AM
active-wealth3$25.00$25.0012/14/2010 5:24:06 PM
secureincome$100.00$100.0012/14/2010 5:32:35 PM
FinDoc$30.00$30.0012/15/2010 10:53:20 AM
Interstate_Rate$39.34$39.3412/15/2010 9:01:29 AM
penny-plato$25.00$25.0012/15/2010 9:18:58 AM
scrappy-diversification7$50.00$50.0012/14/2010 8:56:37 PM
Tikibarman$100.00$100.0012/15/2010 9:34:19 AM
revenue-officer36$26.10$26.1012/15/2010 9:36:09 AM
reflective-rupee$200.00$200.0012/15/2010 2:49:25 PM
reflective-rupee$200.00$200.0012/15/2010 2:49:51 PM
musegaze$50.00$50.0012/15/2010 12:43:32 AM
108lender$79.05$79.0512/15/2010 5:32:28 PM
ptjg$25.00$25.0012/16/2010 2:22:54 AM
Mrgiggleswic$100.98$100.9812/16/2010 4:56:20 AM
well-rounded-dinero$125.00$125.0012/16/2010 6:18:13 PM
bughead$25.00$25.0012/16/2010 8:16:44 PM
greencat$50.00$50.0012/17/2010 7:30:08 AM
greenkid$50.00$50.0012/17/2010 9:11:16 AM
visionary-currency$1,000.00$1,000.0012/17/2010 11:12:49 AM
nilonc1$350.00$350.0012/17/2010 8:16:44 AM
cash-raccoon$25.00$25.0012/17/2010 1:04:01 PM
fund-companion4$25.00$25.0012/17/2010 1:29:42 PM
dime-futurist$25.00$25.0012/17/2010 1:56:04 PM
EngineersAlliance$50.00$50.0012/17/2010 12:28:20 PM
sportcraft18$50.00$50.0012/17/2010 7:33:48 PM
credit-birch$55.00$55.0012/17/2010 8:51:47 PM
b-rent$25.00$25.0012/18/2010 2:01:31 AM
coin-sphinx4$100.00$100.0012/18/2010 7:29:00 PM
kendallv$100.00$100.0012/17/2010 10:09:58 PM
umfan123$25.00$25.0012/18/2010 2:01:36 AM
wealth-grasshopper0$100.00$100.0012/18/2010 10:35:51 PM
dontletmoneyfoolya$25.00$25.0012/18/2010 7:14:01 AM
num1irish$128.85$128.8512/18/2010 9:30:54 AM
d_grbg$25.00$25.0012/18/2010 9:59:43 AM
Nazbuster$50.00$50.0012/18/2010 5:14:38 PM
p2ploan-sensation211$25.00$25.0012/18/2010 8:01:06 PM
spiff666$25.00$25.0012/19/2010 11:02:59 AM
94 bids
 
Borrower Payment Dependent Notes Series 487914
This series of Notes was issued and sold upon the funding of the borrower loan #46163, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-16-2010 
  Auction end date:  Dec-20-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $247.37
Final lender yield: 26.75% Final borrower rate/APR: 27.75% / 31.31% Final monthly payment: $247.37
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2004 Debt/Income ratio: 10%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:1y 11m
Amount delinquent: $12,304 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $143Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: Sokarnox Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,600.00< 31 days late: 0 ( 0% )  
660-679 (Feb-2010)
 
Principal balance: $1,038.34 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Truck Repair - Refinance Loan
Purpose of loan:
This loan will be used to pay for truck repairs ($3,400 new transmission, $800 for new power steering pump) and $1,038.34 to pay off my other prosper loan.

Q & A:
Yes I have an open bankruptcy until July 2012.
No I can not add any new dept to the bankruptcy (my bankruptcy court date was July 2009)
The Amount delinquent of $12,304 is from my bankruptcy and will be discharged on July 2012
I have one open Credit card with a credit limit of $300 that I use for gas / food.
I will be paying my other prosper loan in full once I get this loan.

My financial situation:
I am a good candidate for this loan because I make good money as a hard working professional software developer and have not missed one payment on my other prosper loan.

Monthly net income: $2,600

Monthly expenses: $1,652
??Housing: $529
??Insurance: $90
??Car expenses: $200 (gas)
??Utilities: $62
??Phone, cable, internet: $137
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $0
? Cell phone: $110
? Bankruptcy payment: $174
??Other expenses: $0
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: So why did the amount delinquent go up between your last prosper loan and now, even tho you are paying 174 a month towards it (according to your last loan description)? It seems like it should have gone down a bit. - DHolly
A: When you file Chapter 13 bankruptcy with the state, you pay back percent of what you owe. If a bank wants part of this money, they have to file it with the court. Once it's been filed, all accounts are put in a holding state until the bankruptcy is over. If I fail to make all my bankruptcy payments, the banks that decided to try and get money from the bankruptcy can reopen the delinquent accounts and come after me again. The amount of $174 is paid to the court, not towards any one Credit Card. (Dec-19-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Investoman$50.00$50.0012/16/2010 3:25:40 PM
impeccable-transparency$79.00$79.0012/16/2010 3:27:01 PM
EBITDA$25.00$25.0012/16/2010 3:26:16 PM
money-bauble$25.00$25.0012/16/2010 3:51:28 PM
Artist_Blue$25.00$25.0012/16/2010 3:29:37 PM
Redmond$25.00$25.0012/16/2010 3:30:33 PM
paytonbrigadier$250.00$250.0012/16/2010 3:32:28 PM
NR$25.00$25.0012/16/2010 4:38:30 PM
handshake5$100.00$100.0012/16/2010 3:21:34 PM
simplelender80$100.00$100.0012/16/2010 3:24:51 PM
brother_tam$50.00$50.0012/17/2010 12:31:11 AM
reflective-rupee$25.00$25.0012/17/2010 9:56:46 AM
money-vista$25.00$25.0012/17/2010 12:58:00 PM
worthy-bid8$50.00$50.0012/17/2010 3:00:36 PM
reflective-rupee$200.00$200.0012/17/2010 9:57:20 AM
teller$25.00$25.0012/17/2010 5:36:34 PM
DonaldColorado$50.00$50.0012/17/2010 6:53:55 PM
SolarMoonshine$25.00$25.0012/17/2010 5:20:26 PM
a-finance-nirvana$25.00$25.0012/18/2010 2:42:11 AM
finance-prescription$50.00$50.0012/18/2010 2:44:08 AM
new-social-economist$75.00$75.0012/17/2010 3:49:50 PM
dedicated-transaction796$48.60$48.6012/17/2010 4:31:54 PM
wampum-chorus3$25.00$25.0012/18/2010 4:51:36 AM
ukstevenhawaii$100.00$100.0012/18/2010 8:53:03 AM
Bob450$25.00$25.0012/18/2010 9:54:58 AM
treasure-bliss$50.00$50.0012/18/2010 2:24:25 AM
platinum-celebration4$25.00$25.0012/19/2010 7:04:25 AM
gold-blanket0$25.00$25.0012/19/2010 11:51:41 AM
inspiring-reward$25.00$25.0012/19/2010 12:06:33 PM
CaptainCrunch$25.00$25.0012/20/2010 5:48:57 AM
GeelongTrader$25.00$25.0012/20/2010 8:03:13 AM
CSUgrad08$25.00$25.0012/20/2010 8:34:15 AM
all_of_that_one$30.00$30.0012/20/2010 8:40:25 AM
greenback-guard$25.00$25.0012/20/2010 9:34:20 AM
tspyz$25.00$25.0012/20/2010 9:34:48 AM
just-money930$32.53$32.5312/20/2010 10:20:19 AM
BigGuyBank$25.00$25.0012/20/2010 11:15:37 AM
point$50.00$50.0012/20/2010 11:01:51 AM
Astyanax$50.00$50.0012/20/2010 11:20:26 AM
ultramax$25.00$25.0012/20/2010 12:29:27 PM
grampy48$30.00$30.0012/20/2010 12:21:50 PM
Searlzy$50.00$50.0012/20/2010 2:38:58 PM
MapleLaker$25.00$25.0012/20/2010 2:37:04 PM
exciting-fairness$200.00$200.0012/20/2010 2:42:34 PM
DesiKuber$25.00$25.0012/20/2010 2:52:54 PM
SNH$100.00$100.0012/16/2010 3:31:51 PM
rss197$25.00$25.0012/16/2010 3:33:58 PM
green-thoughtful-yield$100.00$100.0012/16/2010 3:36:45 PM
ingenious-deal6$25.00$25.0012/16/2010 3:37:12 PM
richboy56$25.00$25.0012/16/2010 3:38:04 PM
power-trophy7$50.00$50.0012/16/2010 3:56:48 PM
hopeful-truth5$100.00$100.0012/16/2010 3:31:20 PM
coin-bee1$50.00$50.0012/16/2010 3:33:12 PM
kulender$50.00$50.0012/16/2010 3:20:09 PM
diplomatic-wealth7$25.00$25.0012/16/2010 3:29:03 PM
income-sage9$25.00$25.0012/16/2010 8:57:49 PM
jazzlender$25.00$25.0012/16/2010 3:34:07 PM
ichibon$50.00$50.0012/16/2010 4:07:11 PM
Tikibarman$100.00$100.0012/17/2010 4:53:29 PM
bid-czar8$38.55$38.5512/17/2010 6:56:44 PM
graceful-investment$100.00$100.0012/17/2010 3:00:08 PM
economy-lotus$50.41$50.4112/17/2010 10:13:52 PM
Chris97$50.00$50.0012/17/2010 6:56:45 PM
newest-generous-income$25.00$25.0012/18/2010 7:51:47 AM
musegaze$50.00$50.0012/17/2010 4:38:10 PM
crippledcircus$25.00$25.0012/18/2010 12:32:37 PM
x27$25.00$25.0012/18/2010 7:21:57 AM
HedgeFund$25.89$25.8912/18/2010 8:52:07 AM
kendallv$50.00$50.0012/17/2010 10:36:21 PM
ommcd$25.00$25.0012/19/2010 12:48:58 PM
credit-investor5$25.00$25.0012/19/2010 3:28:46 PM
larrybird$150.00$150.0012/19/2010 4:01:45 PM
orange-influential-credit$50.00$50.0012/18/2010 12:31:48 PM
kegs$150.00$150.0012/19/2010 4:11:14 PM
Nerdster1$25.03$25.0312/20/2010 4:53:52 AM
TW2000$25.00$25.0012/20/2010 5:38:50 AM
zorg77$25.00$25.0012/20/2010 7:12:52 AM
buffalobills$25.00$25.0012/20/2010 7:43:21 AM
grnii78$50.00$50.0012/20/2010 7:46:49 AM
dinero-mason$50.00$50.0012/20/2010 8:10:46 AM
tsg2007$25.00$25.0012/20/2010 8:16:50 AM
ITExec$100.00$100.0012/20/2010 8:24:44 AM
zieger$25.00$25.0012/20/2010 9:19:21 AM
108lender$100.00$100.0012/20/2010 9:34:35 AM
Feyenoord$25.00$25.0012/20/2010 10:08:56 AM
sensible-trade$50.00$50.0012/20/2010 10:20:20 AM
ore-seagull$50.00$50.0012/20/2010 9:53:57 AM
taetrade$25.00$25.0012/20/2010 10:34:08 AM
AlexTrep$25.00$25.0012/20/2010 10:14:42 AM
igotmoney$50.00$50.0012/20/2010 10:40:12 AM
hillerod$25.00$25.0012/20/2010 10:43:09 AM
icon7$35.00$35.0012/20/2010 10:43:40 AM
the-profit-oracle$25.00$25.0012/20/2010 10:55:25 AM
greenback-magma1$50.00$50.0012/20/2010 11:43:51 AM
secureincome$1,000.00$1,000.0012/20/2010 11:58:47 AM
interstellar$50.00$50.0012/20/2010 11:59:04 AM
DHolly$30.00$30.0012/20/2010 11:37:07 AM
CACO_Bank$25.00$25.0012/20/2010 1:04:13 PM
social-zebra$26.00$26.0012/20/2010 1:02:04 PM
orange-preeminant-bill$25.38$25.3812/20/2010 1:44:05 PM
contract-neutron$25.00$25.0012/20/2010 1:50:23 PM
gold-channel2$25.00$25.0012/20/2010 1:48:53 PM
brightest-income-hunter$50.00$50.0012/20/2010 1:38:35 PM
fortytwo$50.00$9.5112/20/2010 2:53:57 PM
MapleLaker$39.10$39.1012/20/2010 2:49:20 PM
105 bids
 
Borrower Payment Dependent Notes Series 487982
This series of Notes was issued and sold upon the funding of the borrower loan #46192, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30% Auction start date:  Dec-14-2010 
  Auction end date:  Dec-20-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $76.90
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 38.72% Final monthly payment: $76.90
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, 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: Aug-1997 Debt/Income ratio: 19%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 7 Current / open credit lines: 11 / 6Length of status:2y 9m
Amount delinquent: $24,089 Total credit lines: 51 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $298Stated income:$50,000-$74,999
Delinquencies in last 7y: 40 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: starvinglawyer Borrower's state: Oklahoma Borrower's group: HARD MONEY LOANS
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
HELP me get back on my feet!
Purpose of loan:
This loan will be used to pay off extremely high interest payday loans.? I am currently paying over $400 per paycheck in fees alone on these debts.? I have a three year old daughter and recognize that the stress I am under a result of these loans is not good for her and I really would like to have a manageable payment.? I had previously listed this request for $1970 and was 73% funded when my listing expired.? I am very hopeful that the lower amount (I managed to work out a deal on one of the?pdls so it is not an issue any longer) will help me receive funding.? Thank you all and God Bless.? This assistance will help me out more than is imaginable.

My financial situation:
I am a good candidate for this loan because I have a stable income and have learned from past mistakes and am ready to move forward with my life.? I have made payment arrangements on all delinquent accounts and am making payments to them on a monthly basis as agred.? My past financial health is not so good and I am not proud of that.? However, I am trying to put the past behind me and get a new start.?

Monthly net income: $ 3462 (me) + $1200 (spouse) = $4662

Monthly expenses: $ 3960
??Housing: $ 854
??Insurance: $?258
??Car expenses: $ 213
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $?25
??Credit cards and other loans: $ 1600
??Other expenses: $ 460 (daycare)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Please explain the total 7 delinquencies and the amount of $24,089 which is very disturbing. - nfx
A: The $24,089 consists of one line of credit opened to start a business in 2006 ($17,000) one credit card from the same time frame ($6,400), the remaining $789 is medical. The total of 7 is those 2 cards and medical bills. My husband and I started a construction business in 2006. And while it thrived short term, the business tanked very quickly when I was involved in a serious car accident & he was injured at work. All debts are being paid pursuant to agreements I have made with the creditors. (Dec-17-2010)
Q: Hi, you seem to have had an improbable amount of bad luck. How are things now? Also, you stated this loan was to pay off payday loans, but your previous answer noted the past due amt was LOC, CC, not payday. What is your total debt now? - VikingLender
A: I have had alot of bad luck.Fortunately things seem to be going smoothly now, in fact I just got a raise!The $24k past due was LOC & CC that is all currently being paid off & is included in the loan payments listed below.The pdls are a mess I got into about 6 months ago & would like to pay off to have more of my paycheck for something other than interest.Currently I have my mortgage,the$24k LOC &CC, my truck loan ($7k balance) and a cc with a balance of $289 which is current. (Dec-18-2010)
Q: Hi again, one more question that I couldn't fit in the other box. You appear to have been trying to get a Prosper loan for years now, but yet you apparently have been surviving. How? Why not continue that way? - VikingLender
A: Alot of how I survived was payday loans. I do not want to continue in the high interest trap. I am finally in a position that if I could pay the payday loans off I would be able to put money into savings, pay my prosper loan as well as other expenses and have emergency back-up funds for unfortunate situations. I really would like to get my bills into amounts I can comfortably handle so that I can be a happier mom for my daughter. (Dec-18-2010)
Q: Hi again, not trying to drag this out but I was hoping to have a total dollar value of all your debt, including outstanding mortage and how much exactly in payday loans, thanks. - VikingLender
A: My mortgage total i s $141,000 (home value is $171,000), truck loan is $7,000 (value is $18,000) then medical and cards are right at $26,000. The payday loans are $1698 total. I am current on all my payments on all obligations presently. The delinquency is still showing as even though I am making the payments as agreed, I am still technically behind. My total debt is $175,698. Thank you for your consideration! (Dec-19-2010)
4 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ultimate-peace$120.00$115.2712/20/2010 8:21:57 AM
Artist_Blue$25.00$25.0012/14/2010 4:26:21 PM
Redmond$25.00$25.0012/14/2010 4:36:32 PM
Investoman$25.00$25.0012/14/2010 4:33:06 PM
tech310$25.00$25.0012/15/2010 3:02:46 PM
reflective-rupee$100.00$100.0012/16/2010 10:34:27 AM
power-trophy7$25.00$25.0012/16/2010 3:57:54 PM
SolarMoonshine$100.00$100.0012/16/2010 6:02:42 PM
money-bauble$25.00$25.0012/16/2010 8:32:40 PM
pioneer580$100.00$100.0012/16/2010 6:30:53 PM
bluehen00$25.00$25.0012/17/2010 6:50:26 AM
reward-adventure$50.00$50.0012/17/2010 3:10:56 PM
JPMorrisLegacyFund$125.00$125.0012/18/2010 10:21:34 AM
boo_hoo$50.00$50.0012/18/2010 7:27:31 AM
weezy22$28.00$28.0012/19/2010 6:12:13 AM
bold-meteoric-justice$50.00$50.0012/19/2010 10:12:09 AM
yurison$25.00$25.0012/20/2010 6:43:18 AM
jmurray40$50.00$50.0012/20/2010 7:38:09 AM
nickel-demon2$200.00$200.0012/20/2010 7:33:26 AM
well-mannered-income3$30.00$30.0012/20/2010 7:55:39 AM
CreditBuilder2$50.00$50.0012/20/2010 8:09:09 AM
Rogesparkguy$25.00$25.0012/20/2010 8:12:01 AM
revenue-officer36$25.00$25.0012/14/2010 4:51:56 PM
slobberjob$50.00$50.0012/15/2010 3:02:45 PM
green-thoughtful-yield$100.00$100.0012/15/2010 11:51:26 PM
reflective-rupee$100.00$100.0012/16/2010 10:33:58 AM
kulender$100.00$100.0012/17/2010 4:27:18 AM
beans53$25.00$25.0012/18/2010 8:43:29 AM
eretro$26.73$26.7312/20/2010 8:01:07 AM
29 bids
 
Borrower Payment Dependent Notes Series 488152
This series of Notes was issued and sold upon the funding of the borrower loan #46152, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30% Auction start date:  Dec-16-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $62.35
Final lender yield: 6.00% Final borrower rate/APR: 7.00% / 7.34% Final monthly payment: $61.75
 
Auction yield range: 2.51% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 4.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-2000 Debt/Income ratio: 4%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $679Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: Kissabledevil Borrower's state: California Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
800-819 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Vacation To Hong Kong
Purpose of loan:
This loan will be used to?? Pay for the cost of the plane fare for my trip to Hong Kong to visit family for Chinese New Year 2011, plus?a little extra. I will be paying this on my credit card and already have the funds to pay for this but with the loan will have extra money accesible if i need for emergencies.

My financial situation:
I am a good candidate for this loan because? Hmm not that bad of a score drop since my last loan. The drop is only because i accidently signed up for a Belk store card which is already paid off. Getting the loan in? 3 yr payment terms so i have leeway to pre pay or not depending on local/world situation.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Approved$50.00$50.0012/16/2010 3:20:18 PM
phase421$25.00$25.0012/16/2010 3:20:32 PM
blot44$25.00$25.0012/16/2010 3:21:50 PM
Tiger6543$25.00$25.0012/16/2010 3:37:43 PM
JGuide$26.87$26.8712/16/2010 3:57:10 PM
RandyL3$25.00$25.0012/16/2010 3:33:48 PM
UncleScroogeDMD$100.00$100.0012/16/2010 5:01:53 PM
reflective-rupee$75.00$75.0012/16/2010 3:46:07 PM
penny-plato$25.00$25.0012/16/2010 4:00:15 PM
jpaulnyc$50.00$50.0012/16/2010 4:01:56 PM
Jinja$50.00$50.0012/17/2010 10:00:32 AM
Cheburashka$27.05$27.0512/17/2010 12:14:23 AM
bold-bright-currency$25.00$25.0012/17/2010 4:44:40 PM
Lender404$25.00$25.0012/17/2010 8:58:31 PM
qkinger$50.00$50.0012/17/2010 4:42:41 PM
gpuck$50.00$50.0012/17/2010 6:28:29 PM
redwraith$25.00$25.0012/18/2010 6:38:30 PM
indomitable-coin$100.00$100.0012/18/2010 8:21:06 PM
Octamer$25.00$25.0012/19/2010 1:09:56 PM
bentonlending$50.00$50.0012/18/2010 6:12:34 PM
Integrity1st$25.44$25.4412/18/2010 7:44:52 AM
CollinsCrew$50.00$50.0012/19/2010 2:34:26 PM
coldfuzion$100.00$100.0012/18/2010 1:01:21 PM
tolerant-dinero2$25.00$25.0012/16/2010 3:35:28 PM
mathprof$25.00$25.0012/16/2010 3:23:45 PM
Dollars4Rent$25.00$25.0012/16/2010 3:47:20 PM
setUup$100.00$100.0012/17/2010 1:16:16 AM
reflective-rupee$25.00$25.0012/16/2010 3:45:33 PM
Only_Money$25.00$25.0012/17/2010 9:19:24 AM
tacologic$25.00$25.0012/17/2010 9:20:58 AM
lendstats_com$200.00$73.9212/17/2010 10:26:15 AM
TomDalonajay$25.00$25.0012/17/2010 12:14:51 AM
loanman2007$50.00$50.0012/17/2010 5:14:54 AM
Jinja$50.00$50.0012/17/2010 10:00:49 AM
nimcha$50.00$50.0012/17/2010 3:14:34 PM
marwadi-62$258.00$258.0012/17/2010 7:02:12 PM
capital-star5$26.73$26.7312/19/2010 7:35:40 AM
eCapital$25.00$25.0012/18/2010 6:51:06 PM
bull_lender$36.99$36.9912/18/2010 8:19:24 PM
vutah$50.00$50.0012/19/2010 7:38:23 AM
bannybucks$25.00$25.0012/19/2010 12:15:38 PM
thinknovuu$25.00$25.0012/19/2010 1:55:07 PM
ac787$25.00$25.0012/19/2010 5:40:49 PM
43 bids
 
Borrower Payment Dependent Notes Series 488192
This series of Notes was issued and sold upon the funding of the borrower loan #46178, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 60 months Estimated loss: 5.95% Auction start date:  Dec-16-2010 
  Auction end date:  Dec-20-2010 
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
Final lender yield: 16.90% Final borrower rate/APR: 17.90% / 19.33% Final monthly payment: $380.09
 
Auction yield range: 6.00% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1985 Debt/Income ratio: 11%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:16y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,280Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: loot-umbrella2 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal loan for business venture
Purpose of loan:
This loan will be used to help spouse finance new business venture.?

My financial situation:
I am a good candidate for this loan because? I have a solid?work ethic and history.?

Monthly net income: $ 4600.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Can you please tell me about the public record in the last 10 years and why you've had 4 delinquent payment in the past 7 years? Thanks - Danjack_Capital
A: Yes - the public record is from a Chapter 7 bankruptcy which has been discharged in 2009. The 4 delinquent payments are in reference to the mortgage lenders on a house. The house is currently scheduled for a short sale. (Dec-18-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
indomitable-coin$100.00$100.0012/16/2010 3:20:46 PM
wanna-help$50.00$50.0012/16/2010 3:26:04 PM
benefit-squirrel$30.00$30.0012/16/2010 3:32:17 PM
macjp123$25.00$25.0012/16/2010 3:32:51 PM
Tikibarman$100.00$100.0012/16/2010 3:35:20 PM
ptjg$50.00$50.0012/16/2010 3:37:35 PM
bold-treasure-neutrino$50.00$50.0012/16/2010 3:37:55 PM
CAGE-Investments$25.00$25.0012/16/2010 3:38:20 PM
commerce-yeller$50.00$50.0012/16/2010 3:38:37 PM
lloyd_s$25.00$25.0012/16/2010 3:51:12 PM
kulender$100.00$100.0012/16/2010 3:26:53 PM
careful-note$100.00$100.0012/16/2010 3:27:09 PM
riskreward$100.00$100.0012/16/2010 3:27:55 PM
finance_mba$25.00$25.0012/16/2010 3:28:01 PM
meenan$50.00$50.0012/16/2010 3:28:22 PM
ASR3$35.00$35.0012/16/2010 3:28:36 PM
AFairDeal$50.00$50.0012/16/2010 3:28:49 PM
the-enterprising-leverage$25.00$25.0012/16/2010 3:29:20 PM
investment-comet$25.00$25.0012/16/2010 3:31:03 PM
intuitive-hope9$25.00$25.0012/16/2010 3:31:34 PM
richboy56$25.00$25.0012/16/2010 3:32:12 PM
NR$25.00$25.0012/16/2010 3:32:39 PM
srilm$25.00$25.0012/16/2010 4:37:04 PM
tylerfd$25.00$25.0012/16/2010 4:37:13 PM
transparency-burger$25.00$25.0012/16/2010 4:37:17 PM
dmfog$25.00$25.0012/16/2010 4:37:40 PM
analogman$25.00$25.0012/16/2010 4:37:51 PM
cablenews$50.00$50.0012/16/2010 4:38:00 PM
ichibon$250.00$250.0012/16/2010 3:34:43 PM
McGrufus$30.00$30.0012/16/2010 6:06:30 PM
Prosp_Lender$29.58$29.5812/16/2010 3:52:01 PM
enthralling-deal180$50.00$50.0012/16/2010 3:19:54 PM
jamiee73$25.00$25.0012/16/2010 3:21:19 PM
infinitemudra$25.00$25.0012/16/2010 4:37:05 PM
thomkozik$27.29$27.2912/16/2010 4:37:12 PM
mobius404$50.00$50.0012/16/2010 4:37:20 PM
rate-gravity$29.99$29.9912/16/2010 4:37:30 PM
Savings_EQ_Dignity$30.00$30.0012/16/2010 4:37:45 PM
Stack23$50.00$50.0012/16/2010 4:37:55 PM
emt747$25.00$25.0012/16/2010 4:37:57 PM
jazzlender$50.00$50.0012/16/2010 3:24:21 PM
radforj22$25.00$25.0012/16/2010 3:25:28 PM
PocketAces$25.00$25.0012/17/2010 12:13:39 AM
Railbird$25.54$25.5412/17/2010 12:26:48 AM
asset-professor$38.05$38.0512/16/2010 6:21:29 PM
JGB$34.26$34.2612/17/2010 12:49:40 AM
the-profit-oracle$25.00$25.0012/17/2010 12:57:50 AM
Artist_Blue$25.00$25.0012/16/2010 3:30:09 PM
power-trophy7$25.00$25.0012/16/2010 3:31:13 PM
Investoman$100.00$100.0012/16/2010 3:33:34 PM
BigLinCT$25.00$25.0012/17/2010 6:46:21 AM
thestartuplender$50.00$50.0012/16/2010 3:38:25 PM
granitepk$50.00$50.0012/16/2010 3:53:20 PM
lysholm$25.00$25.0012/17/2010 12:22:51 AM
KramericaIndustries$25.00$25.0012/17/2010 9:41:58 AM
miket71$49.86$49.8612/16/2010 4:36:49 PM
unforgettable-order9$50.00$50.0012/16/2010 4:37:03 PM
adamnash$25.00$25.0012/16/2010 4:37:08 PM
tom48l$50.00$50.0012/16/2010 4:37:16 PM
dospapalotes$32.48$32.4812/16/2010 4:37:23 PM
supersarah61$25.00$25.0012/16/2010 4:37:46 PM
nickel-ferret$43.39$43.3912/16/2010 4:37:59 PM
runner262$25.00$25.0012/17/2010 4:43:00 AM
kmr2$200.00$200.0012/17/2010 4:54:10 AM
capital-web7$50.00$50.0012/16/2010 8:03:50 PM
Ripsaw4U$50.00$50.0012/17/2010 7:11:41 AM
Ducatiman1978$25.00$25.0012/16/2010 9:17:40 PM
income-excellence1$50.00$50.0012/16/2010 10:45:38 PM
orgy63$50.00$50.0012/17/2010 3:10:43 PM
chestnut4$25.00$25.0012/17/2010 12:51:24 AM
Scotcha$50.00$50.0012/17/2010 8:15:44 AM
Acid$25.78$25.7812/17/2010 9:32:46 AM
jga516$25.00$25.0012/17/2010 9:42:09 AM
brightest-affluence-motivator$25.00$25.0012/17/2010 9:53:18 AM
seanambrose$25.00$25.0012/17/2010 9:53:37 AM
visionary-currency$50.00$50.0012/17/2010 11:08:18 AM
teller$25.00$25.0012/17/2010 5:42:16 PM
money-vista$25.00$25.0012/17/2010 1:09:29 PM
valiant-liberty4$25.00$25.0012/17/2010 7:46:37 PM
samo102us$25.00$25.0012/18/2010 1:53:59 AM
bboy21385$300.00$300.0012/18/2010 8:11:03 AM
Tradesmanlender$35.00$35.0012/18/2010 1:36:32 PM
newest-generous-income$25.00$25.0012/18/2010 7:51:41 AM
sdr984$25.00$25.0012/18/2010 8:04:16 AM
DasCoon$25.00$25.0012/18/2010 3:02:32 PM
rpg$35.00$35.0012/17/2010 6:46:00 PM
exciting-responsibility3$25.00$25.0012/18/2010 3:43:34 PM
direct-liberty819$50.00$50.0012/17/2010 8:39:51 PM
riproaringrapids$25.00$25.0012/18/2010 1:21:32 PM
LenderByDay$25.00$25.0012/18/2010 5:26:30 PM
Dunndeal4u$50.00$50.0012/18/2010 7:47:00 PM
awwaww$25.00$25.0012/18/2010 7:56:43 PM
cagcrash$75.00$75.0012/19/2010 2:51:43 PM
108lender$25.00$25.0012/18/2010 10:16:27 PM
loyalist1$25.00$25.0012/18/2010 10:22:33 PM
larrybird$200.00$200.0012/19/2010 4:01:39 PM
akakii$25.00$25.0012/19/2010 4:21:24 AM
thoughtful-payment268$35.00$35.0012/19/2010 9:41:22 AM
fervent-repayment$25.00$25.0012/18/2010 9:51:38 AM
hopethisworks$50.00$50.0012/18/2010 2:46:42 PM
SqueezeKing$25.00$25.0012/20/2010 1:43:45 AM
inspiring-reward$100.00$100.0012/20/2010 5:23:51 AM
MoxiePop$50.00$50.0012/20/2010 7:55:27 AM
DMark69$25.00$25.0012/20/2010 7:44:11 AM
duty-starfish8$50.00$50.0012/20/2010 7:49:13 AM
reflective-cash0$25.00$25.0012/20/2010 7:59:11 AM
sankyu$25.00$25.0012/20/2010 8:14:03 AM
upright-silver$25.00$25.0012/20/2010 8:15:45 AM
icon7$40.00$40.0012/20/2010 8:52:20 AM
benefit-piano5$25.00$25.0012/20/2010 8:44:12 AM
wonderous-velocity1$25.00$25.0012/20/2010 9:17:51 AM
Aberdeen$6,000.00$5,532.1112/20/2010 9:45:17 AM
rss197$25.00$25.0012/16/2010 3:21:14 PM
subtle-revenue0$25.00$25.0012/16/2010 3:27:40 PM
Bank42$50.00$50.0012/16/2010 3:28:04 PM
SimpleChoice$25.00$25.0012/16/2010 3:30:41 PM
bowdish1$50.00$50.0012/16/2010 3:30:57 PM
SNH$100.00$100.0012/16/2010 3:31:43 PM
bold-durability-drum$50.00$50.0012/16/2010 3:38:21 PM
cutter21$25.00$25.0012/16/2010 3:48:14 PM
coin-investor$25.00$25.0012/16/2010 3:52:09 PM
wonderful-dime$25.00$25.0012/16/2010 3:28:13 PM
platinum-sorcerer6$25.00$25.0012/16/2010 4:36:56 PM
reinforced-revenue069$25.00$25.0012/16/2010 4:37:09 PM
shabufa$50.00$50.0012/16/2010 4:37:15 PM
poetic-yield3$50.00$50.0012/16/2010 4:37:19 PM
ImaPutz$40.57$40.5712/16/2010 4:37:43 PM
cpblue79$100.00$100.0012/16/2010 4:37:53 PM
cello1$25.00$25.0012/16/2010 4:46:21 PM
Katahdin$50.00$50.0012/16/2010 3:38:23 PM
the-bright-velocity$25.00$25.0012/16/2010 3:52:51 PM
momar75$50.00$50.0012/16/2010 3:55:48 PM
romario$50.00$50.0012/16/2010 4:07:08 PM
tech310$50.00$50.0012/16/2010 3:21:10 PM
handshake5$100.00$100.0012/16/2010 3:21:24 PM
ItsJustMe79$40.00$40.0012/16/2010 4:28:11 PM
zone6$50.00$50.0012/16/2010 4:37:01 PM
Swabjockey$50.00$50.0012/16/2010 4:37:10 PM
OSERENKUKU$25.00$25.0012/16/2010 4:37:15 PM
Panna$25.00$25.0012/16/2010 4:37:28 PM
helpinghand63$50.00$50.0012/16/2010 4:37:48 PM
gnar$25.00$25.0012/16/2010 4:37:56 PM
Jimmiert1148$25.00$25.0012/16/2010 11:26:24 PM
lendme2$42.20$42.2012/17/2010 12:12:48 AM
FoosMaster$100.00$100.0012/16/2010 3:26:51 PM
balanced-bill7$39.71$39.7112/17/2010 12:52:03 AM
reflective-rupee$200.00$200.0012/16/2010 8:58:48 PM
fortytwo$300.00$300.0012/16/2010 3:33:26 PM
Havana21$200.00$200.0012/16/2010 3:36:34 PM
a-responsible-return$50.00$50.0012/16/2010 3:37:02 PM
lovely-order7$25.10$25.1012/17/2010 8:21:27 AM
socrates520$50.00$50.0012/16/2010 11:24:28 PM
cybernosha$50.00$50.0012/17/2010 9:01:31 AM
bid-czar8$100.00$100.0012/17/2010 9:39:51 AM
wtrboy$25.40$25.4012/17/2010 9:42:27 AM
jdrez$25.00$25.0012/16/2010 4:36:33 PM
worthy-truth$25.00$25.0012/16/2010 4:37:07 PM
xrycac$25.00$25.0012/16/2010 4:37:21 PM
peruse$25.00$25.0012/17/2010 4:41:59 AM
danthemon35$25.00$25.0012/16/2010 4:37:49 PM
new-thrilling-principal$25.00$25.0012/17/2010 10:06:55 AM
agalt$100.00$100.0012/17/2010 11:29:07 AM
mulberry4$29.84$29.8412/17/2010 1:22:19 PM
money-bauble$25.00$25.0012/17/2010 3:00:39 PM
SanCarlos$50.00$50.0012/17/2010 8:46:42 AM
first-serene-credit$25.00$25.0012/17/2010 9:06:50 AM
Ready2Loan$25.00$25.0012/17/2010 9:33:00 AM
JKEnterprises$25.00$25.0012/17/2010 6:01:50 PM
Webpreneur$50.00$50.0012/17/2010 2:49:50 PM
dcap3$25.00$25.0012/18/2010 12:30:40 AM
auction-formula$25.00$25.0012/18/2010 6:31:34 AM
get30inc$47.63$47.6312/18/2010 1:12:26 AM
skuba$50.00$50.0012/18/2010 2:02:45 AM
listing-trapper3$75.00$75.0012/17/2010 4:18:41 PM
navstox$40.00$40.0012/18/2010 8:51:45 AM
GElender$51.45$51.4512/17/2010 4:33:18 PM
mattpet$25.00$25.0012/18/2010 2:41:41 PM
gracej$25.00$25.0012/18/2010 4:08:27 PM
vb3jmg$50.00$50.0012/18/2010 11:46:35 AM
trade-boots1$25.00$25.0012/19/2010 11:01:37 AM
wampum-chorus3$25.00$25.0012/18/2010 4:51:56 AM
kegs$200.00$200.0012/19/2010 4:11:09 PM
bigphish$25.00$25.0012/19/2010 9:40:01 AM
s911man$50.00$50.0012/19/2010 1:20:07 PM
agwosdof$50.00$50.0012/18/2010 10:21:28 AM
stanbalwight4$25.00$25.0012/19/2010 5:25:24 PM
gold-blanket0$50.00$50.0012/19/2010 11:52:10 AM
balance-voyager$50.00$50.0012/19/2010 3:52:00 PM
nickel-demon2$254.77$254.7712/20/2010 7:36:52 AM
GTMoneyMan$25.00$25.0012/20/2010 7:57:44 AM
Macinvest$25.00$25.0012/20/2010 7:59:02 AM
Jassi$25.00$25.0012/20/2010 8:04:44 AM
Spring342$50.00$50.0012/20/2010 8:14:10 AM
income-vault6$25.00$25.0012/20/2010 8:28:59 AM
C_Mark$50.00$50.0012/20/2010 8:14:17 AM
hotwired$50.00$50.0012/20/2010 8:19:31 AM
TEAM-Jasper$50.00$50.0012/20/2010 9:29:11 AM
197 bids
 
Borrower Payment Dependent Notes Series 488206
This series of Notes was issued and sold upon the funding of the borrower loan #46166, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80% Auction start date:  Dec-16-2010 
  Auction end date:  Dec-19-2010 
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $103.07
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 29.78% Final monthly payment: $101.06
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-2000 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:4y 6m
Amount delinquent: $10,298 Total credit lines: 29 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,938Stated income:$100,000+
Delinquencies in last 7y: 30 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: paytonsdad Borrower's state: Missouri Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Relist Higher Int. rate -need tires
Relisting with higher interest rate - guess I thought I'd get it done with the lower amount since my last loan was about 8% here. This loan will be used to get new tires,christmas, help with new grandbaby coming and hold us over till march when my yearly commission/bonus comes in.
My financial situation:back on the uprise . My company is tied to the auto and housing industry, so we took a major paycut - -about 25% BUT has now been put back to normal and is on the rise. My wife has Multiple Sclerosis, and now receives disablilty which is an additional $1200/month that is just starting.
I am a good candidate for this loan because as you can see I paid off my last loan in full and intend to do the same here.
Monthly net income: $ 5500 + yealry commissionm ( approx $15,000 /yr now)
Yes there is 1 delinquency on my record. All of the lates fees are tied to one credit card used trying to keep up with the pay cut. When I couldn't keep up I decided to pay all the others that were in good standing. I will make this debt good. I am figuring to pay off my other debts that are in good standing 1st, then work on this one. My home is one of the few that is not upside down. I owe about $264K and the homes are about$270-275K right now.
please feel free to contact me with any questions. I'd prefer to try a loan with prosper before i head to a titlemax store - their rates are overboard.
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)
alexgalt$50.00$50.0012/16/2010 3:31:27 PM
penny-plato$25.00$25.0012/16/2010 3:50:59 PM
well-rounded-dinero$100.00$100.0012/16/2010 5:52:37 PM
reflective-rupee$25.00$25.0012/16/2010 3:44:35 PM
DasMula$25.00$25.0012/16/2010 8:44:53 PM
head$25.00$25.0012/17/2010 7:24:45 AM
loanman2007$100.00$100.0012/17/2010 5:18:20 AM
DasMula$25.00$25.0012/16/2010 8:44:28 PM
thankful-nickel2$25.00$25.0012/17/2010 7:56:33 PM
Top_Gun_Lender$26.00$26.0012/17/2010 9:26:25 PM
fishcreek$60.00$60.0012/18/2010 3:40:15 PM
Bob450$25.00$25.0012/18/2010 9:57:37 AM
twjh$25.00$25.0012/18/2010 1:36:40 AM
brondero$100.00$100.0012/18/2010 3:24:46 PM
Bocephus1959$25.00$25.0012/19/2010 8:42:21 AM
arenangelchild$50.00$50.0012/19/2010 12:49:39 PM
helynn$25.00$25.0012/19/2010 4:56:33 PM
cashhelp$30.00$30.0012/16/2010 3:37:31 PM
brandisnif4dog$50.00$50.0012/16/2010 3:22:24 PM
Aberdeen$999.99$999.9912/16/2010 3:35:37 PM
interstellar$50.00$50.0012/16/2010 3:38:39 PM
building_community$25.00$25.0012/16/2010 3:51:13 PM
HHP$25.00$25.0012/17/2010 12:27:24 AM
impeccable-transparency$150.00$119.0112/16/2010 3:26:59 PM
finance-prescription$100.00$100.0012/16/2010 11:06:43 PM
golffish2$100.00$100.0012/17/2010 4:15:45 AM
NekHoldings$25.00$25.0012/17/2010 6:13:21 AM
Scotcha$50.00$50.0012/17/2010 8:13:10 AM
wwwUniversal$25.00$25.0012/18/2010 2:19:22 AM
fishcreek$100.00$100.0012/18/2010 3:38:50 PM
fishcreek$40.00$40.0012/18/2010 10:50:46 AM
helynn$25.00$25.0012/19/2010 4:55:49 PM
32 bids