Summary Loan Portfolio Bids Charts Analysis

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Member Profile

  

Portfolio Breakdown by Total Amount
Screen name: TheKurse
Location: CEDAR GROVE NJ
Registration Date: 2005-11-08

Lender Rank (amount invested) 36
Oldest Loan (days) 963
Estimated ROI1 4.36%
Estimated ROI Range 4.14% - 4.36%
Experian ROI 11.83%
Experian ROI Range 9.93% - 12.38%
 
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Portfolio Profile

  

Portfolio Breakdown by # of Loans
  Number Total Loan Amount Estimated Loan Value2
Total Loans 1,490 $215,727.32 $117,281.51
Late Loans 184 $27,424.61 $15,766.00

  Number Total Amount Default Sale Price
Defaults 106 $16,242.56 $1,133.06

  Weighted Unweighted
Avg. Credit Grade B- (3.58) B- (3.45)
Avg. Interest Rate 16.84% 16.74%
Avg. Loan Age (days) 402.1 351.7
 
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Bid Statistics

  

Bid History
  Number Total Amount
All Bids 6,047 $782,710.07
All Winning Bids 3,848 $467,438.16
Active Bids 30 $3,445.61
Active Winning Bids 23 $2,632.53
 
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Member Description

I love this idea! The notion of wedding willing lenders to able borrowers without a middleman appeals to every dimension of my personality. And the fact that they can each measure the other's trustworthiness via human components -- the group(s) they belong to or favor, how they describe themselves in their profile, etc -- instead of relying solely on a cold calculation just knocks me out. It's about time this company existed, and now that it's here, I'll be lending and borrowing aplenty.
1 Estimated ROI is generally updated nightly, the calculation can be found in the FAQ.
2 This is an estimate of a lender's current portfolio. It takes into account monthly payments and paid off loans.