Listing Report:Supplement No. 90 dated Oct 30, 2009 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 13, 2009 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 388392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 24.77% Starting borrower rate/APR: 25.77% / 28.09% Starting monthly payment: $602.52
 
Auction yield range: 8.27% - 24.77% Estimated loss impact: 8.59%  
Lender servicing fee: 1.00% Estimated return: 16.18%  
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 above 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: 8 First credit line: Nov-1994 Debt/Income ratio: 37%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $37,307 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: beaubluetick 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
Trying to Control my Credit Cards
Purpose of loan:
This loan will be used to pay off my credit card debt.? Last year my wife and I built a house.? When overages came in we used our credit cards to pay for several items to not roll that additional amount into the loan.? Now looking back that would have been the best option.? We have been fighting to pay down that credit card debt ever since.? Everyone knows it is hard to get ahead of the interest rates on credit cards.? We have created a budget and have a good plan to pay these off.? The payoff would be much sooner and easier with a lower interest rate.? That is why we have turned to prosper to try and undercut the interest rate on the credit cards.

My financial situation:
I am a good candidate for this loan because I have a strong financial history. I come from a family where it has always been preached to pay all of the credit card balance ever since.? Sometimes a situation arises where that becomes impossible.? As I have mentioned above my wife and I have created a budget and can pay this debt off if will just take several years.? We are trying to beat this and get back up on our feet sooner to be able to enjoy life again without debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $208.09
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 4 First credit line: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 740-760 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $2,853 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35%Stated income:$0
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: impressive-repayment Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff Debt, Home Improvement
Purpose of loan:

Consolidate my high interest rate cards into one payment, Remove carpet in 4 rooms, and replace with pergo

flooring. My wife and daughter?have bad allergies, and?suffer with?asthma. We have a little puppy that likes?to

mark his territory on the rug, so this flooring will make cleaning a snap.

My financial situation:

I just started a new job working for Chicago Rail?Way Services serving a local Chemical Plant? here in Charleston

South Carolina. Before that I was laid off from CSX Railroad back in march 2009 due to the economy. I am

collecting union unemployment which amounts to $1280 per month, I receive that bi-weekly. My new job pays

$16. per hour and is guaranteed 40 hours per week. I am looking for a loan to consolidate my existing credit cards,

and use whats left over to purchase new pergo flooring to replace stained up old carpet. All the labor I will do myself

to save on hired labor.

I can pay the note, if you will grant me the opportunity. This will enable me to establish positive credit through

Prosper, payoff some high interest rate credit card loans, and eliminate the bad odors stored in the existing

carpets in our (new to us) house.




My Credit Cards Total Balance Owed??????????$2837.00??

Thankyou for your time and consideration and God Bless



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.42% Starting borrower rate/APR: 11.42% / 13.54% Starting monthly payment: $148.22
 
Auction yield range: 4.27% - 10.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.29%  
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 above 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: 8 First credit line: Nov-1988 Debt/Income ratio: >1000%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $1,781 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 23%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: a-tough-dime 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
Replacing home heating unit
Purpose of loan:
This loan will be used to? replace the central heating unit in my home before it gets really cold.

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 21.40% Starting borrower rate/APR: 22.40% / 24.67% Starting monthly payment: $69.12
 
Auction yield range: 8.27% - 21.40% Estimated loss impact: 7.00%  
Lender servicing fee: 1.00% Estimated return: 14.40%  
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 above 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: 9 First credit line: Jul-1996 Debt/Income ratio: 15%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 10Length of status:1y 5m
Amount delinquent: $1,670 Revolving credit balance: $6,042 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: kaneco Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Final Delinquent Accpunt
Purpose of loan:This loan will be used to pay my final Delinquent account and return to a better credit rating.
My financial situation:
I am a good candidate for this loan because I may have had personal issue in the past I have steadily paid all my loans back over the last 5 years. I have been with ATT for two years this may and previously I worked for T-mobile and SunCom. I have always been a top performer and have no job issues.
Monthly net income: $ 2600
Monthly expenses: $
??Housing: $ 0(wife pays it house in her name she is a nurse)
??Insurance: $ 200(mine and my wife?s car)
??Car expenses: $ 350
??Utilities: $ 100
??Phone, cable, internet: $ 150(cable and internet phone is free with company)
??Food, entertainment: $ 150
??Clothing, household expenses $ 0(I don?t buy clothes ..I sit in front of a computer working all night!) Household expenses: $150
??Credit cards and other loans: $ Out of my income I pay Dell $100 a month and $200 on Credit Cards
??Other expenses: $ My wife uses the rest of my money to save for Babies college and To pay off a home equity line she took out!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $127.35
 
Auction yield range: 17.27% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 3 First credit line: Aug-2003 Debt/Income ratio: 18%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $1,414 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$1-$24,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 4    
Screen name: basis-bear Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying for college
Purpose of loan:
This loan will be used to? be able to keep attending school for the upcoming semester

My financial situation:
I am a good candidate for this loan because? I pay off what I owe as soon as I am asked for it and I will be able to maintain good balances.

Monthly net income: $ 1500.00

Monthly expenses: $?
??Housing: $?500.00???
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431010
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 10.50% Starting borrower rate/APR: 11.50% / 13.87% Starting monthly payment: $49.46
 
Auction yield range: 8.27% - 10.50% Estimated loss impact: 6.72%  
Lender servicing fee: 1.00% Estimated return: 3.78%  
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 above 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: 10 First credit line: Mar-1997 Debt/Income ratio: 65%
Credit score: 680-700 (Sep-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $17,842 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: financialhelper1 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
Slowly but Surely
Purpose of loan:
This loan will be used to?pay down debt. I appreciate those of you who have bid on my previous listings, thank you. Although the previous listings have not been filled, I am not discouraged. I figure I will change my approach to how I will attack my debt. I know that I did not get into debt all in one day and will not pay it all off in one day. I will take smaller, steadier steps to pay down my debt. This loan will be used to pay off one credit card that is charging 18% interest. I would prefer a simple loan like the one offered here on Prosper rather than the complicated way credit cards charge their interest.

My financial situation:
I am a good candidate for this loan because?I have?a steady, secure government job. I am also a disabled Navy veteran and receive a monthly disability check. I have been involved with Prosper as a lender for a couple of years and also have some payments coming in from loans I made before Prosper made its changes. Although Texas is not eligible for lenders at this time I will be getting involved with lending again once it becomes available. I have no problems making my current monthly payments and I live well within my means. I am just looking for a better way to pay down my debt. Thank you.?

By?the way, I already have the first two months payment available in my Prosper account.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.27% Starting borrower rate/APR: 12.27% / 14.40% Starting monthly payment: $173.39
 
Auction yield range: 11.27% - 11.27% Estimated loss impact: 10.24%  
Lender servicing fee: 1.00% Estimated return: 1.03%  
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 above 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: 6 First credit line: Sep-1996 Debt/Income ratio: 63%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 43Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $5,915 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: exchange-guru Borrower's state: Alabama 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 scattered bills & other
Purpose of loan:
This loan will be used to pay off scattered bills and help me maintain my current quest for my masters degree in engineering.

My financial situation:
I am a good candidate for this loan because, I believe in good credit and paying my debts.

Monthly net income: $ 1194 from grad position; 340 from other; 325 from rental property

Monthly expenses: $ 1425
??Housing: $ 552
??Insurance: $ 103
??Car expenses: $ 411
??Utilities: $ 0
??Phone, cable, internet: $ 45
??Food, entertainment: $ 50
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 244
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 17.50% Starting borrower rate/APR: 18.50% / 20.72% Starting monthly payment: $182.02
 
Auction yield range: 8.27% - 17.50% Estimated loss impact: 6.60%  
Lender servicing fee: 1.00% Estimated return: 10.90%  
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 above 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: 5 First credit line: May-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-820 (Oct-2009) Current / open credit lines: 28 / 28Employment status:Self-employed
Now delinquent: 0 Total credit lines: 45Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $11,528 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: economy-silo 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
Equipment for business expansion
Purpose of loan:
This loan will be used to purchase equipment to expand my business.? These include hardware and software that I need for my business.

My financial situation:
I am a good candidate for this loan because I have an excellent credit history.? I could easily borrow against my personal credit card but I don't want to pay the high interest.? I've been in business for 6 years so the business won't just disappear.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $836.58
 
Auction yield range: 3.27% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.01%  
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 above 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: 8 First credit line: Apr-1989 Debt/Income ratio: 91%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 32 / 28Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 71Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $66,406 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: blue-agreement-friendship Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 5 First credit line: Sep-1998 Debt/Income ratio: 20%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:12y 9m
Amount delinquent: $0 Revolving credit balance: $4,285 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: systematic-durability Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help my daughter with surgery
Purpose of loan:
This loan will be used to?help my oldest daughter pay for surgery she has to undergo.

My financial situation:
I am a good candidate for this loan because I value my credit and will not for any reason jeopardize it by not paying my debt.? I have been working at the same job for 12 years, which shows my commitment and responsibility.? I have had Installment loans in the past with other banks which are already paid for and the payments were always made on time, never late. I would love to have the opportunity to help my daughter who's been going through a bad economic situation after a divorce and now needs to have surgery of the gallbladder.

Monthly net income: $ 2,000 (this includes my income from Social Security Retirement)

Monthly expenses: $ 1,400
??Housing: $?785.00
??Insurance: $
??Car expenses: $ 80.00 (only gas, car is already paid for)
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?200.00 (don't go out much)
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $217.73
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.68%  
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 above 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: 5 First credit line: May-2003 Debt/Income ratio: 28%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $5,914 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: empire316 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards to help me become debt free.

My financial situation:
I am a good candidate for this loan because I have steady income and always pay?my?bills on?time and in full. I have never been late on or missed a payment on a bill.

Monthly net income: $ 2900

Monthly expenses: $?800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431046
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.50% Starting borrower rate/APR: 18.50% / 20.72% Starting monthly payment: $455.05
 
Auction yield range: 17.27% - 17.50% Estimated loss impact: 18.97%  
Lender servicing fee: 1.00% Estimated return: -1.47%  
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 above 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: 5 First credit line: Sep-1995 Debt/Income ratio: 22%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 9 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:9y 1m
Amount delinquent: $0 Revolving credit balance: $34,211 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: kevmac2777 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 700-720 (Latest)
Principal borrowed: $20,000.00< mo. late: 0 ( 0% )  
720-740 (Apr-2008)
700-720 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
Bridge Loan for real estate deal
Purpose of loan:
This loan will be used?as a Bridge Loan for a real estate deal?

My financial situation:
I am a good candidate for this loan because I have no bills other then car, food, credit card?

Monthly net income: $ 4,150.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 400 loan $150-gas
??Utilities: $ 0
??Phone, cable, internet: $?30--cell
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $198.80
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
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 above 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: 5 First credit line: Nov-2003 Debt/Income ratio: 40%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $4,753 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sbhavi2 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: 17 ( 100% ) 680-700 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
600-620 (Apr-2008)
 
Principal balance: $4,356.89 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
business need
Purpose of loan:
This loan will be used to?
help in my businessMy financial situation:
I am a good candidate for this loan because? i will pay my installment on time.

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.
 
Borrower Payment Dependent Notes Series 431052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $108.86
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.68%  
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 above 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: 5 First credit line: Dec-1994 Debt/Income ratio: 13%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 8 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $14,883 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: intelligent-treasure0 Borrower's state: Massachusetts 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'd rather pay you vs. C.C. co
Purpose of loan:
I have two credit cards that are at high rates.? Low interest promo cards are hard to come by these days and I'd like to consolidate for a lower rate.? I've never been late on anything in my life-and I always find a way to pay my bills.? My mom raised me right.

My financial situation:
I am a good candidate for this loan because? since I am never late with my bills, why shouldn't you reap the benefit of that over some large bank?? Where else are you going to earn such a rate of return?

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 80
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.62% Starting borrower rate/APR: 22.62% / 24.89% Starting monthly payment: $962.80
 
Auction yield range: 8.27% - 21.62% Estimated loss impact: 6.71%  
Lender servicing fee: 1.00% Estimated return: 14.91%  
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 above 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: 5 First credit line: Jun-2002 Debt/Income ratio: 29%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:9y 9m
Amount delinquent: $0 Revolving credit balance: $90,753 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 33%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: green-bonus-tranquility Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
TILL I GET MY CO
Purpose of loan:
This loan will be used to pay of some debts from my investment new house until I get My final C of O before the end of the year.

My financial situation:
I am a good candidate for this loan because I have plenty of new equity to pay it right back.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $669.49
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
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 above 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 First credit line: Nov-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-700 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Self-employed
Now delinquent: 5 Total credit lines: 33Length of status:10y 3m
Amount delinquent: $7,768 Revolving credit balance: $12,933 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 91%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: dekingfish Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 680-700 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
680-700 (Jul-2007)
 
Principal balance: $989.58 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
Business Inventory for Holiday
Purpose of loan:
This loan will be used to purchase inventory to expand my business which has been in operation since 1999

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

Monthly net income: $ 7500.00

Monthly expenses: $? 2500.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 16.07% Starting borrower rate/APR: 17.07% / 19.27% Starting monthly payment: $178.44
 
Auction yield range: 6.27% - 16.07% Estimated loss impact: 5.28%  
Lender servicing fee: 1.00% Estimated return: 10.79%  
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 above 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: 8 First credit line: Jan-1996 Debt/Income ratio: 29%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 13 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $29,041 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: currency-stockpiler6 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit cards
Purpose of loan:
I want to?clear off my high interest credit card debt from Citi Bank who suddenly doubled my?interest rate for no valid reason to a rate of 29.99%. The letter states that one of their reasons for this increase is that their cost of doing business has increased in the current market situation. That is a totally irrelavant?reason for?increasing my interest?rate especially when I have been their excellent customer for many years. I have always been either paying off the?balance or paying more than the minimum balance?each month so there is no valid reason for them to increase the interest rate. I would rather pay off this card and close it.

My financial situation:
I have a solid credit history of about 14 years.?I have never been late on?even a single payment. I have always maintained my excellent credit history by paying all my bills on time. I have an adequate salary and a decent home, but I would like to get out off my credit card debt which is suddenly at very high interest rates.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
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 above 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: 3 First credit line: Mar-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-660 (Oct-2009) Current / open credit lines: 23 / 21Employment status:Self-employed
Now delinquent: 1 Total credit lines: 40Length of status:9y 8m
Amount delinquent: $10,035 Revolving credit balance: $122,249 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Mefflynn Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Advertising
Purpose of loan: I plan to use this money to purchase advertising to sell the product I am contracted to sell. I have been doing this for seven years and it has been a very lucritive business. I pay for the ads and when the product sells I get half of the sale price. the company I do this for likes it because they don't have the time and money tied up in the ads. Their profit margin is large, so they can afford to split the sales? with me. I need to increase the ads to increase the income, but I need the capital to do that.

My financial situation:
I am a good candidate for this loan because I always pay my bills. I have a twenty year? history of good payments. My credit score is low because my credit balances are high right now due to some medical bills. That is why I want to increase my ads to increase my income to pay down my balances.

Monthly net income: $ 12000

Monthly expenses: $
??Housing: $ 3456
??Insurance: $ 233
??Car expenses: $ 445
??Utilities: $ 210
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 4000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 22.02% Starting borrower rate/APR: 23.02% / 25.30% Starting monthly payment: $193.60
 
Auction yield range: 8.27% - 22.02% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 6 First credit line: Oct-1972 Debt/Income ratio: Not calculated
Credit score: 780-800 (Oct-2009) Current / open credit lines: 17 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 48Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $4,999 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: forceful-value4 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Bills
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $435.46
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.18%  
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 above 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 First credit line: Mar-1987 Debt/Income ratio: 35%
Credit score: 780-800 (Oct-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $268 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 10    
Screen name: lean-worth 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
home improvement
Purpose of loan:
This loan will be used to?contractor giving me?a great deal on renovating my house half?of the price i have been quoted in the past and i couldnt pass on the offer......taking out this loan with your company will allow me to start the process and move forward with my plans on updating my home.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.57% Starting borrower rate/APR: 12.57% / 14.71% Starting monthly payment: $66.97
 
Auction yield range: 4.27% - 11.57% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.43%  
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 above 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: 9 First credit line: Dec-1985 Debt/Income ratio: 79%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $120,290 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: palmetto0 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Property Taxes on Home
Purpose of loan:
This loan will be used to? pay my property taxes on my home

My financial situation:
I am a good candidate for this loan because??my credit is good and I pay my bills on time..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $318.08
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
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 above 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: 5 First credit line: Aug-2002 Debt/Income ratio: 40%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 15 / 13Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 29Length of status:6y 7m
Amount delinquent: $0 Revolving credit balance: $18,319 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 55%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: durable-deal7 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 Credit Cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??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.
 
Borrower Payment Dependent Notes Series 431112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.42% Starting borrower rate/APR: 12.42% / 14.56% Starting monthly payment: $167.08
 
Auction yield range: 4.27% - 11.42% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.28%  
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 above 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: 9 First credit line: Jun-1983 Debt/Income ratio: 42%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 19 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 53Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $62,863 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: peaceful-generosity 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
Getting out of Debt
Purpose of loan:
This loan will be used to pay off one? credit card at a time.?
My financial situation:
I am a good candidate for this loan because I have an excellent job and great income. I can finally get ahead of my debt.? I am trying prosper because credit card companies will no longer reduce rates.?I have a 15 year mortgage and $50,000 in equity in my home.? I do not want to tap that unless as a last resort.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.56% Starting monthly payment: $72.38
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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 above 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: 2 First credit line: Nov-1993 Debt/Income ratio: 33%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 25Length of status:8y 2m
Amount delinquent: $135 Revolving credit balance: $4,227 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: blue-dinero-wildcat Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Transmission Trouble!
Purpose of loan:
This loan will be used to replace the transmission in my 03 Honda Accord that is used?in my?line of work as a copier technician. ?

My financial situation:
I am a good candidate for this loan because my wife and I have good jobs (I have been at my job for 8 years and my wife (with the US Postal Service)?at hers for 15 years), but not a lot of other options open to us at this time for replacing the?transmission in our 03 Honda.??~~~PLEASE HELP~~~~?

Monthly net income: $ 5100 (including wife's income)

Monthly expenses: $ 4985
??Housing: $ 1015????
??Insurance: $ 85 Car insurance
??Car expenses: $ 860 including payments and gas
??Utilities: $ 245????????
??Phone, cable, internet: $ 270
??Food, entertainment: $ 690
??Clothing, household expenses $
??Credit cards and other loans: $ 960
??Other expenses: $ 860 (daycare/afterschool care)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 16.25% Starting borrower rate/APR: 17.25% / 19.45% Starting monthly payment: $332.73
 
Auction yield range: 4.27% - 16.25% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 14.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 9 First credit line: Apr-1994 Debt/Income ratio: 57%
Credit score: 780-800 (Oct-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:17y 7m
Amount delinquent: $0 Revolving credit balance: $13,815 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: genuine-bonus8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off debt and pay for tuition
Purpose of loan:
This loan will be used to pay off high interest credit card and help pay for my daughters living expenses while she study out of state.

My financial situation:
I am a good candidate for this loan because I am a skill profession and I been working in a stable job for over 18 years.? My credit score is 780+.? My current income is 55,000 + yearly.? My wife and I total income is roughly 100k annually.? I have a great track record for on time payment with no delinquency.? I am a very responsible and hard working parent.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 5 First credit line: Aug-1997 Debt/Income ratio: 33%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 24 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 63Length of status:9y 0m
Amount delinquent: $0 Revolving credit balance: $3,098 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 36%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 11    
Screen name: Richard12167 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement/Pay off CC's
Purpose of loan:
Consolidate some small debt?
My financial situation:
Excellent pay history. Stable employment with same co. for 9 years. Would like to pay off a couple of small CC balances
Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 935
??Insurance: $ 100
??Car expenses: $75.00?
??Utilities: $ 80
??Phone, cable, internet: $100
??Food, entertainment: $?125
??Clothing, household expenses??
??Credit cards and other loans: $80
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431130
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 29.81% Starting monthly payment: $164.31
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
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 above 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: 7 First credit line: Oct-2000 Debt/Income ratio: 13%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:3y 8m
Amount delinquent: $0 Revolving credit balance: $5,622 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 62%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: eat_my_cooki Borrower's state: RhodeIsland Borrower's group: PLEDGE - Open Membership!!!
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
Getting my Masters
Back to School
This loan will be used to pay for school. I got accepted to a Master's program at a local university and I need some financial assistance to pay for school.

My financial situation:
I am a good candidate for this loan because I am a responsible person. I already have a bachelors degree in Political Science and Business Management. I graduated high school and college with honors. I am currently employed at a well-known company and I am always on-time with payments. I also just sold my car and I have been riding the bus so I do not have a car payment; All the money that I would have used to pay off a car note will instead be used towards paying off this?loan.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 19.27% / 21.50% Starting monthly payment: $220.76
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.68%  
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 above 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: 3 First credit line: Jun-1995 Debt/Income ratio: 42%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 17Length of status:2y 7m
Amount delinquent: $28 Revolving credit balance: $12,390 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: PositiveHeart 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 my credit cards
Purpose of loan:
This loan will be used to pay off two credit cards that I have. I have had both cards for about 10 years now, and have been able to make my monthly payments with no problems, until recently. My interest rate skyrocketed on both cards at around the same time (within the past two months). Both cards also suddenly slashed my available monthly balance drastically, which caused my monthly minimum payment to double on both cards.

My financial situation:
I am a good candidate for this loan because I have a good, steady job and reliable monthly income. I have always had good morals and ethics, and I?ve always been very responsible in paying my bills on time and maintaining good credit. If I am able to obtain a lower interest loan and pay off my credit cards, I will be able to devote more money toward paying off the loan completely. I?m committed to doing this. If someone is willing to take a chance and assist me with my goal of getting out of debt, I would be very grateful. Thanks.

Monthly net income: $ 2140.00
Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 100.00
??Car expenses: $ 240.00
??Utilities: $ 60.00
??Phone, cable, internet: $ 85.00 (phone only, I have cancelled my cable and internet)
??Food, entertainment: $ 100.00 (food only, entertainment is being put on the back burner for now)
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 12,000
??Other expenses: $ 100.00 (gas)

This is only an estimate. I'm finding new ways to cut expenses all the time, and I am getting better at it. I just need to get out of this hole I'm in and get back on track.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 5 First credit line: Oct-1992 Debt/Income ratio: 36%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:19y 1m
Amount delinquent: $0 Revolving credit balance: $6,272 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: neva27k Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 660-680 (Latest)
Principal borrowed: $11,500.00< mo. late: 0 ( 0% )  
660-680 (Sep-2009)
640-660 (Aug-2009)
660-680 (Jul-2008)
 
Principal balance: $153.12 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
My second loan

Purpose of loan:?
debt consolidation
My financial situation:?
This is my 2nd loan w/prosper.? I am ahead of schedule in paying on first and am continuing to whittle away at making my finances better.??As of Today I owe 170.00 out of the? 11,500.00 I borrowed and am less than halfway through that loan term.??

I have been very diligently?making efforts to consolidate and get rid of unsecured debts.? My debt to income ratio has significantly improved.??

I want to?consolidate into one payment as well as try to?improve my credit score with this loan? by showing that my payments were on time, etc.? In addition, my other efforts to assist my financial situation include : I have pulled all 3 credit reports and challenged several discrepancies that seem to be contributing factors, have put my car for sale and cut back unnecessary expenses such as entertainment and clothing (I shop at Goodwill now and I love it)

I will use this $?to pay off? and close the following small debts that I did not consolidate before.
Balance:???????? Company:?????????????????????????? APR???????????????? Present monthly pyt
118.00???????????????? Figi???????????????????????????????????? 6????????????????????????????????????? 20.00
539.61???????????????? Fingerhut???????????????????????????8????????????????????????????????????? 20.00
928.00???????????????? Ge Moneybank???????????????? 15???????????????????????????????????? 40.00
200.00???????????????? Seventh Avenue?????????????? 12???????????????????????????????????? 20.00
405.00?????????????????Wells Fargo?????????????????????? 10???????????????????????????????????? 38.00
940.00????????????????? American Express??????????? 15.9????????????????????????????????? 50.00
?????????? total??? owed 3130.61???????????????????????????????????????????????????????? total monthly pyt? 188.00




Present monthly net income: $ approx 3702.00 (my income only, my spouses is not listed here)

My employment:
I have worked for the same agency with the State of Ohio for 19 years and handle a lost time disability caseload for work related injuries.??

I appreciate your consideration, and assure you that bidding on my loan is not a high risk - I will diligently pay every cent back to you as I have shown on my previous loan.? Your trust helps me to consolidate and save some interest payments and helps me pay off the balances - I hope I have earned your trust for another loan, and appreciate your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431144
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $916.40
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
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 above 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: 3 First credit line: Nov-1991 Debt/Income ratio: 16%
Credit score: 780-800 (Oct-2009) Current / open credit lines: 24 / 20Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 67Length of status:12y 3m
Amount delinquent: $24 Revolving credit balance: $47,898 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Ambassador Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off the high interest credit cards that now I feel need to be paid off. Given the economic times, the banks are not extending credit at a lower rate.

My financial situation:
I am a good candidate for this loan because I have been employed for more than 12 years at a federal government job. Layoffs in this job are unknown. In addition, being a physician I have no problem in remaining employed or expand the part time private practice that I now have ( I own the $50,000 building at this location). In short payment is no problems. The high interest rate at?this time are?a problem. I own a $500,000 home. I have been married for 26 years. Two of my three children have already completed college. I have been paying taxes regularly. I have retirement account of over $300,000.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $103.41
 
Auction yield range: 8.27% - 27.00% Estimated loss impact: 7.15%  
Lender servicing fee: 1.00% Estimated return: 19.85%  
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 above 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: 9 First credit line: Nov-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-700 (Oct-2009) Current / open credit lines: 9 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 21Length of status:13y 9m
Amount delinquent: $0 Revolving credit balance: $13,596 Occupation: Executive
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 67%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: orange-asset-jubilee 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
pay off credit cards
Purpose of loan:
This loan will be used to pay off credit cards.
I am a good candidate for this loan because??Steady household 2 income earners.
My credit has zero late payments I pay all debt on time or ahead of schedule.??
?My household income comes from 3 diverse sources and is growing.
?We are fully insured including umbrellas for both business and personal, health and autos/home.
?We both?carry life insurance of 1 Million each and have a Trust plus a will all in place. We have 1 girl 30 months old (our first and only child).
We are?very healthy and work hard all day and all year.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,630.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.42% Starting borrower rate/APR: 11.42% / 13.54% Starting monthly payment: $86.63
 
Auction yield range: 4.27% - 10.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.29%  
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 above 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: 9 First credit line: Jun-1995 Debt/Income ratio: 32%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:5y 4m
Amount delinquent: $0 Revolving credit balance: $9,233 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: five-star-social Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Spring semester
Purpose of loan:
This loan will be used to pay my tuition for the spring semester and for books, the cost of tuition keeps rising and I do not have the funds to cover my next semester.? I am very close to graduating and I am trying to avoid having to take another break.

My financial situation:
I am a good candidate for this loan because my credit is good and I have been consistently paying off debt for the last year and a half.? I?have been employed?by the same company for just over five years and?bought my first home?last summer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,750.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $63.27
 
Auction yield range: 8.27% - 17.00% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 10.11%  
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 above 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: 9 First credit line: Sep-1999 Debt/Income ratio: 34%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $39,182 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: asset-swashbuckler1 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills
Purpose of loan:
This loan will be used to pay medical bills.

My financial situation:
I am a good candidate for this loan because I am married and have a steady job history.? I want to pay off medical bills.

Monthly net income: $ 2500

Monthly expenses: $ 1100
??Housing: $ 500
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $?0
??Credit cards and other loans: $?300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 3 First credit line: Apr-2009 Debt/Income ratio: 18%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $174 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 41%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: market-orb2 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay bills

My financial situation:
I am a good candidate for this loan because? I AM VERY TRUST WORTHY

Monthly net income: $ 22,050

Monthly expenses: $
??Housing: $ 732.00
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 150
??Phone, cable, internet: $ 120
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431210
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.42% Starting borrower rate/APR: 11.42% / 13.54% Starting monthly payment: $75.76
 
Auction yield range: 4.27% - 10.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.29%  
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 above 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: 8 First credit line: Sep-1991 Debt/Income ratio: 20%
Credit score: 780-800 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 9Length of status:3y 4m
Amount delinquent: $200 Revolving credit balance: $3,087 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 23%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: SUsnowball Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY 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: 1 / 1 On-time: 25 ( 89% ) 780-800 (Latest)
Principal borrowed: $3,000.00< mo. late: 3 ( 11% )  
720-740 (Sep-2009)
680-700 (May-2007)
660-680 (May-2007)
 
Principal balance: $768.88 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
2nd loan:buy used car (good payer)
Purpose of Loan:
To?buy a reliable used car (I have some $ saved) to keep my full time job and get to school (I have a 4.0 GPA), and?payoff?my?first Prosper loan.
My Credit:?
I've made all timely payments on the first Prosper loan.?Credit score has gone up 80 points?since first loan. Credit report only?has one potentially negative item (see my profile for explanation)?that I am disputing. There are?8 accounts in good standing, with no late payments. I don't have to start payments on my student loans until after I graduate (Dec 2010).
My income:
Monthly net income is $1,400, fianc??s is $1900. We combine our incomes;?but I am relying on my income alone to repay this loan.
Monthly Expenses: I pay half the montly bills
-Rent: $350
-Utilities: $65?
-Food etc: $125?
-Cable/internet: $90?
-Gas/car maint:$125?
-Cell: $100
-Anticipated Prosper loan payment: ~$75 (paying off the first loan)
Total= $940, leaving $470 monthly cushion
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.99% Starting borrower rate/APR: 11.99% / 12.34% Starting monthly payment: $415.12
 
Auction yield range: 3.27% - 10.99% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 7 First credit line: Jun-2000 Debt/Income ratio: 17%
Credit score: 820-840 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:4y 10m
Amount delinquent: $0 Revolving credit balance: $20,083 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: deal-razor5 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
bad boiler to green boiler
Purpose of loan: This loan will be used to upgrade home heating system from a current 100 year old boiler, also to pay off some kitchen remodel parked on a credit card.

My financial situation: I am a good candidate for this loan because manage a very profitable for profit training school. My income is greater than 95k per year. I plan to pay this back on an accelerated schedule.

Thanks for your interest.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 30.08% Starting monthly payment: $61.62
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
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 above 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: 8 First credit line: Jan-1993 Debt/Income ratio: 11%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:4y 1m
Amount delinquent: $0 Revolving credit balance: $1,688 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: methodical-wealth Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Tuition
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.
 
Borrower Payment Dependent Notes Series 431240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $501.95
 
Auction yield range: 3.27% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.01%  
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 above 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: 7 First credit line: Apr-1982 Debt/Income ratio: 32%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $5,607 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 21%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: lifelongcaretaker Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 19 ( 100% ) 800-820 (Latest)
Principal borrowed: $26,575.00< mo. late: 0 ( 0% )  
780-800 (Aug-2008)
740-760 (Jan-2008)
700-720 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Student Loan for My Son
47-year-old wife, mom and office mgr.? I've taken out two Prosper loans in the past , with the first I was able to refinance our home at a much better rate, got rid of a lot of revolving debt and? improved our credit score quite a bit.?? We put new energy efficient windows and flooring in our home as well as an energy efficient heat pump/air conditioning system which our second loan helped with.? Both loans were paid in full before due.
Prosper has given me the boost I needed and? helped me to take care of things that needed to be around my older home.? Now my son (the Marine Corp Reservist) is going to college and needs a helping hand with books and tuition and paying off some of his personal bills.? Eventually, Uncle Sam will get around to paying for school through the GI bill, but they are slow and he's been told that he can't enroll early for next semester because this semester has still not been taken care of.

HERE ARE MY MONTHLY FINANCIAL DETAILS:

My Net income after payroll deductions from all sources: $ 3,274.00
Spouse's Net Income: $ 5,800.00 (Because Tom?s income is not taken into account on the listing page, the DTI ratio is higher than it should be.)
Total monthly family Net Income $ 9,074.00

Mortgage/Rent: $ 2,500.00
Phone: $ 100.00
Gas & Electric: $ 400.00
Water: $ 80.00
Car Loan and Operating Expenses: $ 1,550.00
Food: $ 1,000.00
Insurance: $ 540.00
Cable/Internet: $ 175.00
Clothing, misc. expenses for all: $ 1,000.00
-----------------------
Total Monthly Expenses : $ 7,345.00

I will have $1,729.00 left monthly to make the payments on my Prosper loan, put money into our emergency fund,? and pay off some of my own small credit card balances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431252
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.27% Starting borrower rate/APR: 12.27% / 14.40% Starting monthly payment: $666.87
 
Auction yield range: 11.27% - 11.27% Estimated loss impact: 10.24%  
Lender servicing fee: 1.00% Estimated return: 1.03%  
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 above 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: 6 First credit line: Nov-1997 Debt/Income ratio: 22%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:12y 3m
Amount delinquent: $0 Revolving credit balance: $62,904 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: sunny-capital Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $302.18
 
Auction yield range: 17.27% - 25.00% Estimated loss impact: 26.44%  
Lender servicing fee: 1.00% Estimated return: -1.44%  
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 above 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: 2 First credit line: Aug-2000 Debt/Income ratio: 60%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 21 / 20Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 31Length of status:8y 1m
Amount delinquent: $103 Revolving credit balance: $12,170 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: adorable-bonus Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my Credit Cards
Purpose of loan:
This loan will enable me to finally pay off my credit cards and cut them up for good! I want to get on the road to true debt free living!

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and have a considerable amount of extra income from my husband's salary.??

Monthly net income: $ 1600 - Myself
????????????????????????????????????5400 - Husband

Monthly expenses: $
??Housing: $ 1123.00
??Insurance: $ 150.00
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 80
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 450
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $565.13
 
Auction yield range: 17.27% - 20.00% Estimated loss impact: 35.63%  
Lender servicing fee: 1.00% Estimated return: -15.63%  
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 above 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 First credit line: Jan-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-760 (Oct-2009) Current / open credit lines: 4 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $49 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: inspiring-credit9 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
Engagement expenses
Purpose of loan:
This loan will be used to take care of my engagement expenses.

My financial situation:
I am a good candidate for this loan because I have a good income as I am self-employed. Income verification will be provided upon request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 426295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.36% Starting borrower rate/APR: 18.36% / 20.57% Starting monthly payment: $545.00
 
Auction yield range: 17.27% - 17.36% Estimated loss impact: 18.96%  
Lender servicing fee: 1.00% Estimated return: -1.60%  
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 above 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: 5 First credit line: Dec-1988 Debt/Income ratio: 24%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:8y 4m
Amount delinquent: $0 Revolving credit balance: $3,340 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 24%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: handshakeloan 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: 12 ( 100% ) 680-700 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
640-660 (Aug-2008)
540-560 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Truckin'
Purpose of loan:
This loan will be used to?buy pick-up truck and plan?to repay loan within one year as i did with previous prosper loan. This loan will help with credit history as it will be my largest extension of credit on record. Half will be paid within 6 months and in full the remaining 6 months.

My financial situation:
I am a good candidate for this loan because? paid previous loan in full in one year. interest rate set @ 18%. I find this very fair as I paid off previous loan with a?30% rate. It worked out?for all parties. We all benefit.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 500
??Insurance: $?50
??Car expenses: $0
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 427725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $271.14
 
Auction yield range: 11.27% - 17.00% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.60%  
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 above 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: 7 First credit line: Dec-1987 Debt/Income ratio: 32%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 18 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:16y 4m
Amount delinquent: $0 Revolving credit balance: $123,177 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: adventurous-exchange8 Borrower's state: Oregon 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
Time to cut up cards
Purpose of loan:
This loan will be used to get wiggle room to begin reducing rates and driving down all debt towards a no credit card future!

My financial situation:
I am a good candidate for this loan because my days of living large are done and I?always honor my obligations on time.

Monthly net income: $ 6142 Personal $9K Household

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.
 
Borrower Payment Dependent Notes Series 427919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 17.07% Starting borrower rate/APR: 18.07% / 20.28% Starting monthly payment: $398.06
 
Auction yield range: 6.27% - 17.07% Estimated loss impact: 5.30%  
Lender servicing fee: 1.00% Estimated return: 11.77%  
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 above 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: 8 First credit line: Oct-2002 Debt/Income ratio: 68%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:6y 7m
Amount delinquent: $0 Revolving credit balance: $10,371 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 30%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: successful-money4 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
Debt Consolidation
When I got married two years ago I had a little over $20,000 in credit card Debt, since then I've paid off almost $10,000 of that debt!!? I'm very excited to be almost halfway in my debt free journey!? I've got $11,000 left which is currently at 16.99 percent interest and the minimum payment is $225 per month I currently send between $300-$400 per month.? The thing about the minimum is that over half goes to the interest and it feels like its not going down as quickly as it could!!?

I was very excited when I found this website knowing that I will be able to out of debt sooner, especially since my husband and I would like to have a baby, however we'd like to be out of debt, before we start our family.

I'd be more than happy to answer any questions you have!

Thank you so much for taking the time to read my listing!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,900.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.42% Starting borrower rate/APR: 11.42% / 13.54% Starting monthly payment: $161.40
 
Auction yield range: 4.27% - 10.42% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.29%  
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 above 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: 9 First credit line: Oct-1979 Debt/Income ratio: 31%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $3,238 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 6%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: HorizonHoldings Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 33 ( 100% ) 760-780 (Latest)
Principal borrowed: $8,800.00< mo. late: 0 ( 0% )  
720-740 (Oct-2008)
740-760 (Mar-2008)
780-800 (Jul-2007)
 
Principal balance: $2,212.63 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Paying off Debt
Purpose of loan:
To payoff some old debts?

My financial situation:
This would be?the third loan that I have had with Propser. I have paid one off and will pay the second one off with this loan. I am getting rid of all my credit card debt forever. I have a good track record with the folks on this website and would rather give my money to people like yourselves instead of the banks. This would?make the payment $96 lower than I am paying now. If you want more details please feel free to ask questions. I own my vehicles, I rent the house that I live in, the one public record that I have was an old bankruptcy 9 years ago caused by a big national chain going out out business and stiffing me out of my contractors fees.

Monthly Income:$1,971
Monthly Expenses:$ $1,747 before new loan, after loan $1,651
Surplus Each Month: $224 now after loan $320

Rent:$400
Utilities:$200 (phone, cable, power, gas)
Insurance:$121
Gasoline for vehicles:$150
Charity:$200
Food:$125
Student Loan:$104
Existing Prosper Loan:$257 (which will be paid off) With new loan reduced to $161 per month
Credit Card Bills:$190
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $255.01
 
Auction yield range: 11.27% - 23.00% Estimated loss impact: 10.56%  
Lender servicing fee: 1.00% Estimated return: 12.44%  
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 above 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: 6 First credit line: Aug-2002 Debt/Income ratio: Not calculated
Credit score: 700-720 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $6,496 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: jayco413 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 83% ) 700-720 (Latest)
Principal borrowed: $6,500.00< mo. late: 1 ( 17% )  
720-740 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 6  
Description
Pay off old business debt
Purpose of loan:

I ventured out on my own for a while and tried to start a web design and media company.? I have sense given this up and still have some debt left over from it.? It was on a credit card that once had a reasonable interest rate, but is now at 24%.? I have very low monthly expenses and am very good at repaying debt, always paying my bills on time.? This is my second loan on prosper, the first one I paid off in less than a year.? The total debt is $15,000 but I am only asking for part of it to bring the interest down.? Even a couple percentage points lower would help out.? Most of the money was spent on operating expenses, this debt is from two years of spending.

As far as my personal expenses, for those who are concerned.? I own my own house that I inherited and my car payments are about $240 a month.? I also have some credit card debt of my own to pay off still, but that's not going to effect my ability to pay off this loan.

I used to have awesome credit, but assume this debt is what has destroyed it.? That and maybe all the inquiries I'm sure will show up, which is the result of me looking around trying to lower it.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $298.20
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
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 above 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: 2 First credit line: Mar-1999 Debt/Income ratio: 40%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:3y 1m
Amount delinquent: $0 Revolving credit balance: $1,991 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99%Stated income:$1-$24,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 2    
Screen name: generous-fairness Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my car and credit cards
Purpose of loan:
This loan will be used to?pay down some bills, but will also be used to further my higher education.

My financial situation:
I am a good candidate for this loan because?I am college educated, and the financial skills I have learned in the last couple of years have enabled me to become more financial secured.

Monthly net income: $ 1488.80

Monthly expenses: $
??Housing: $??405.00
??Insurance: $ 155.00
??Car expenses: $ 297
??Utilities: $ 50
??Phone, cable, internet: $
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 11.27% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 6 First credit line: Apr-1995 Debt/Income ratio: 42%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:12y 7m
Amount delinquent: $0 Revolving credit balance: $90,778 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: powerful-rate9 Borrower's state: Washington Borrower's group: Have Money - Will Bid
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
Re-list: Help after Medical Issue
Thanks for looking at my listing.

I am a courtroom clerk in the largest and busiest court in the state of Washington. I have been with my current employer for almost 13 years and very recently I started doing side work editing transcripts of court proceedings when I?m needed. This has the potential to add an additional $500-$1,000/mo to my income. I have not included this in my income since I have yet to be paid for this and I?m not sure how often I will be asked to do this work at this time.

In July I needed to have an emergency surgery and was out of work for 6 weeks. I only had enough leave available to cover 2.5 weeks. This meant I went without pay for 3.5 weeks. My main priority was to make sure the bills were all covered, which meant maxing out our credit cards to do this. This is the reason why my card utilization is so high. I have never been this close to my limits before.

I would use this loan to pay down the balance on my credit card, which will make my monthly payments lower.

Explanation of Credit:

I have always had good credit. My husband and I have been together for 18 years and we own our home and have lived there since March 2000. We currently have a HELOC that we used for home improvement in the amount of $41,000. That is the major portion of our revolving balance. I also have a $32,000 personal loan in my name only that I am 3.5 years away from paying off. It is listed as a revolving loan, however I am not able to take additional funds from it without going through a full loan approval again. I have never missed or been late on a payment for this loan.

My DTI is high because I have listed only my net income of $3,100/mo. My husband also contributes approximately $1,700/mo. to the household expenses.

I have never had a late payment on my credit or household bills since I moved out on my own at the age of 19. Making my payments on time is my top priority each month. As you can see from my financial details, I will have the money to do it.

Monthly Financial Details:

My Net Income: $3,100
Spouse's Net Income: $1,700
Total monthly family Net Income: $4,800

Mortgage/HELOC: $1,480 / $405
Phone, Cable, Internet: $180
Gas & Electricity: $145
Water & Garbage: $40
Car Operating Expenses: $140
Food: $350
Insurance: $156
Credit cards and loans that won't be paid off with my Prosper loan: $1,450
-----------------------
Total Monthly Expenses : $4,346


I will have $454 left to make the payments on my Prosper loan.

Thank you for considering my loan. As you can see I have good credit and am responsible. I can afford to make the payment for this loan and do not want to head down the slippery slope to bad credit. This will help me get myself back on track after my unexpected surgery.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 4 First credit line: Nov-1982 Debt/Income ratio: Not calculated
Credit score: 680-700 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $1,671 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 98%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: wise-diversification-bull Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to pay off what I owe to my rentor.? The company I worked for went under earlier in the year and the last 3 months my finances were stretched pretty tight and I wasn't able to pay my rent.? I now have a job where I can quickly pay this money back but I need it now in order to renew my lease.

My financial situation:
I am a good candidate for this loan because I have a really good job and the amount of money I make versus how much I need to borrow is fairly low.? I just don't have access to a line of credit to help me get out of this bind.

Monthly net income: $
$5,148.34
Monthly expenses: $
??Housing: $ 1,620.00
??Insurance: $ 120
??Car expenses: $ 0????
??Utilities: $?60
??Phone, cable, internet: $ 120
??Food, entertainment: $ 800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $272.16
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.18%  
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 above 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 First credit line: Nov-1995 Debt/Income ratio: Not calculated
Credit score: 660-680 (Oct-2009) Current / open credit lines: 11 / 13Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 41Length of status:3y 3m
Amount delinquent: $1,450 Revolving credit balance: $8,961 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61%Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: androo Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 660-680 (Latest)
Principal borrowed: $7,580.00< mo. late: 0 ( 0% )  
700-720 (Aug-2008)
700-720 (Dec-2006)
680-700 (Nov-2006)
 
Principal balance: $756.51 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? Pay off the rest of our credit cards that have a high interest rate.

Monthly net income:
$9,000 ( between my wife and I )

My financial situation:
I am a good candidate for this loan because? I have a very secure career as an Online Analyst for a company in the Travel Industry. My wife also has a reliable job as an Attorney which provides a second income coming into the house. I also have a 1 year old baby which i'm hoping to improve my financial situation as she grows up. My wife and I figured why would anyone want to pay some credit card company an outrageous APR when there are trustworthy investors here? For the loan we will use Direct Debit, so payments are NEVER an issue.? Please feel free to bid with confidence, and THANK YOU in advance!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 8.27% Starting borrower rate/APR: 9.27% / 11.37% Starting monthly payment: $798.14
 
Auction yield range: 8.27% - 8.27% Estimated loss impact: 7.16%  
Lender servicing fee: 1.00% Estimated return: 1.11%  
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 above 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: 7 First credit line: Nov-1988 Debt/Income ratio: 43%
Credit score: 780-800 (Oct-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:21y 0m
Amount delinquent: $0 Revolving credit balance: $20,303 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dedicatedteacher5 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 27 ( 96% ) 780-800 (Latest)
Principal borrowed: $25,000.00< mo. late: 1 ( 4% )  
760-780 (Apr-2007)
760-780 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Credit Card Freedom
Purpose of loan:
This loan will be used to pay off my Mastercard.

My financial situation:
I am a good candidate for this loan because I paid off one loan in the amount of $25000 with Prosper.? I paid my loan off 8 months early by making extra money.? I make good money and have had the same job for 22 years but I have used my credit card unwisely?to pay for a wedding for my daughter and ran up the balance.??I?want to pay off the balance and make a set monthly payment to Prosper to get out of debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.07% Starting borrower rate/APR: 16.07% / 18.25% Starting monthly payment: $70.38
 
Auction yield range: 6.27% - 15.07% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.81%  
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 above 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: 8 First credit line: Jan-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-760 (Oct-2009) Current / open credit lines: 7 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 19Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $7,434 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 52%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: revenue-transporter 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
Parts
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.42% Starting borrower rate/APR: 32.42% / 34.83% Starting monthly payment: $656.82
 
Auction yield range: 11.27% - 31.42% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.62%  
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 above 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: 6 First credit line: Sep-1994 Debt/Income ratio: 16%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 30Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $3,115 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: nexttime2 Borrower's state: Alabama 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
a new start and helping mother
Purpose of loan:
This loan will be used to?
create a buffer and emergency fund for me, as well pay off some of my existing bills that i have
My financial situation:
I am a good candidate for this loan because?
i am a good candidate because, i am really trying to pay off my bills. my current job i have been there 10 months and i have tripled my pay.?
Monthly net income: $
9,000
Monthly expenses: $
??Housing: $ 1,032
??Insurance: $ 200
??Car expenses: $ 1,000
??Utilities: wife pays utilities?
??Phone, cable, internet: $100
??Food, entertainment: $300?
??Clothing, household expenses?wife takes care of household expenses
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 2 First credit line: Sep-2006 Debt/Income ratio: Not calculated
Credit score: 780-800 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 3Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $568 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: SCIGIE Borrower's state: Connecticut Borrower's group: Green investments
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
Purchase Share of Existing Business
Purpose of loan:
This loan will be used to purchase a share in a currently running business. It is a restaurant which is has been open for over a year now and grosses approximately $1000 per day. One of the partners would like to be bought out as he is moving overseas. My monthly earnings from my share would be between 1800 and 3000. This business is being run by a personal friend of mine who has been in the restaurant business for more than a decade. This is an exceedingly good opportunity which I simply don?t want to pass up.

My financial situation: I make about 1800 a month from my job as a research assistant (I am currently a doctoral student) I own my own home and have no student debt. I pay all of my bills off each month and never carry a credit card balance. I have about 10,000 in liquid savings and another 8,000 in stocks both of which ensure that this loan will be paid back. In addition I rent rooms in my house for an additional $400/month.
I am a good candidate for this loan because I have never and WILL NEVER let a debt go unpaid. I believed very strongly in the prosper community as I have been a lender since 2007. I will never miss a payment. I have the banked assets to cover this loan should something unforeseen happen, beyond that the business will more then pay the monthly obligation of this loan. I don't like asking for money but this is simply to good an opportunity to let pass.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,040.43
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
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 above 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 First credit line: Nov-1984 Debt/Income ratio: 57%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 12Length of status:22y 4m
Amount delinquent: $785 Revolving credit balance: $15,361 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 102%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: charming-integrity8 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
By Faith ......
Purpose of loan:
This loan will be used to?
Bring my finances back into good standing after over-extending myself to help family.
My financial situation:
I am a good candidate for this loan because?
One, I believe in paying my bills; not avoiding them and Two, this loan will enable me to access other monies and pay this loan off early.Quite possibly before year's end.
Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 300
??Car expenses: $ 200
??Utilities: $ 250
??Phone, cable, internet: $ 145
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $109.97
 
Auction yield range: 17.27% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
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 above 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: 5 First credit line: Jan-1992 Debt/Income ratio: 40%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $4,057 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 3    
Screen name: aquapura Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need a New Car for Work
I am currently selling Alarm Systems with ADT and doing very well.. It is very difficult when you dont have credit cards,everyone wants cash or Money order. I need a little help right now. I am in desperate need of a new car, since my job? is being on the road most of the time. I have a 2000 Ford Taurus that is on the brinks of falling apart. Sometimes I have to drive over 100 miles a day to meet customers from Westchester County all the way up to Albany New York. I tried getting a loan with Ford and they turned me down. My wife finally had an opportunity to mortgage our home and we paid off everyone including various IRS liens that we had .I dont have any cash? saved, since? we paid all our? credit cards and liens with the money we had left over from the mortgage. I need a? down payment for a? new car. I could really appreciate an angels? help right about now. I really have learned a huge lesson with money and credit. I would appreciate everyones help. Thanks for taking the time to read my request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $248.80
 
Auction yield range: 11.27% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 7 First credit line: Jun-1990 Debt/Income ratio: 20%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $27,090 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: johnol Borrower's state: Oregon 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 medical related bills
Purpose of loan:
I have had a recent set of medical problems that have created some medical bills I need to resolve ASAP.?

The procedure I needed was completed one day after my health insurance policy renewed, and the health insurance company said I had to re-meet my "policy year out of pocket expenses" before the insurance policy would cover the treatment.)? Needless to say this was an unexpected financial hit.

My financial situation:
I am a good candidate for this loan because in addition to my regular income I have roughly $10,000 in added "bonus" income due to me by my employer by February 1, 2010.? This loan is intended to be a short-term loan to pay-off the medical related bills until the "bonus" income is paid to me.

Unlike many, I am not under-water with my house -we still have equity -but I would prefer not to tap that.? In addition I don't want to go through that kind of a process given that this is intended to be a short-term loan until when my bonus is paid.

Monthly net income: $7,000
Monthly expenses: Approximately $6,000

Important note about my credit profile:? In the "Public Records" area there is one item showing up for the 10-year period.? This is related to an IRS lien that was resolved nearly 6 years ago.? I have no bankruptcies or other judgments against me.? I believe in paying my bills and work hard to do so.? I just don't want these medical related bills to overwhelm my otherwise stable finances.

Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.52% Starting borrower rate/APR: 11.52% / 11.87% Starting monthly payment: $230.90
 
Auction yield range: 3.27% - 10.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
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 above 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: 8 First credit line: Aug-1988 Debt/Income ratio: 104%
Credit score: 840-860 (Oct-2009) Current / open credit lines: 26 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 55Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $43,353 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 24%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: aviente Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for Instrument for College
Purpose of loan:
This loan will be used to pay for a professional level bass clarinet for my daughter. She is a freshman in college and has decided to pursue a music career. She has played bass clarinet since elementary school and seated as first chair in both all-district and all-state competitions. She also was selected as one of four bass clarinet players in the USA to perform on the National Honors Band in Indianapolis when she was just a sophomore in high school. She originally did not plan to study music in college, but during her first semester has determined she misses playing and is now auditioning for the symphonic band at her university. A professional level bass clarinet ranges in price from $7000 to well over $20,000, and we have carefully selected a model that will meet her current requirements. Rather than use a credit card or apply for a personal loan with my bank, I thought I give this a try first since I have been on the lending side with Prosper for a few years now.

My financial situation is good and will be improving significantly over the next year. I just accepted a position as President of company in the same industry I currently work that includes an increase in annually salary of over 40%, plus equity at the end of the first year.
I am a good candidate for this loan because my credit score is consistently in the mid-700 range and I pay my bills on time and can manage an additional monthly payment to support my daughter's education.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.42% Starting borrower rate/APR: 12.42% / 14.56% Starting monthly payment: $250.61
 
Auction yield range: 4.27% - 11.42% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.28%  
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 above 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: 9 First credit line: Mar-1997 Debt/Income ratio: 20%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $23,949 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: mermaid4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Bills
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 23.02% Starting borrower rate/APR: 24.02% / 26.31% Starting monthly payment: $470.92
 
Auction yield range: 8.27% - 23.02% Estimated loss impact: 7.55%  
Lender servicing fee: 1.00% Estimated return: 15.47%  
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 above 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: 7 First credit line: Dec-1982 Debt/Income ratio: 12%
Credit score: 780-800 (Oct-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:12y 3m
Amount delinquent: $0 Revolving credit balance: $204 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 3%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: return-numero-uno9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
investing in existing business
Purpose of loan:
This loan will be used to invest in a well established restaurant (33 years) that I am investing in. It is a beautiful waterfront restaurant that belongs to my girlfriend. It needs some updates and I'd like to help her. I will continue in my job while helping with the restaurant on weekends.

My financial situation:
I am a good candidate for this loan because I have no personal debt and a secure job.? My only monthly expenses are my household utilities, car insurance and a credit card that I pay off every month.My employer provides my house so I have no housing expenses. I believe in living within my means and rarely use credit.?? I have cosigned on two loans for my children that they are both paying off on their own.

I checked my credit report for the first time this month and found a California tax lien for $4000 that I am disputing because it's not mine. It looks like it will take awhile to get it off of my report. This is the third time I have listed this loan but it appears that if a loan isn't funded the first day or two by automatic bidding it rarely gets funded. I have the means to pay this loan back on my own so it's no risk.





Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
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 above 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: 4 First credit line: Aug-2003 Debt/Income ratio: 17%
Credit score: 600-620 (Oct-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $396 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 4    
Screen name: chica2008 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 600-620 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-640 (Sep-2008)
 
Principal balance: $652.15 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Adding appliances and furniture
Purpose of loan:
This loan will be used to? purchase furniture and appliances please feel free and ask questions

My financial situation:
I am a good candidate for this loan because? i value my credit rating and respect the prosper community i have never missed or been late on my current prosper loan and i dont plan on it i pay all my bills on time and i hope the prosper community will believe in me again thanks in advance

Monthly net income: $ 3000

Monthly expenses:?
??Housing: $ 420
??Insurance: $ 100
??Car expenses: $ 350
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431073
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 4 First credit line: Jun-1995 Debt/Income ratio: 21%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 6 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:14y 2m
Amount delinquent: $0 Revolving credit balance: $179 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 59%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: focused-p2ploan Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating debt
Purpose of loan:
This loan will be used to?consolidate debt in order to make more than the minimum payment.? I'm wanting to close out some accounts with high interest rates.?

My financial situation:
I am a good candidate for this loan because? my credit score the last time I checked was 759.? I'm in a profession where there is always ample work to do.? I always strive to pay my bills off on time, if not early.????????

Monthly net income: $ 2800.00

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.
 
Borrower Payment Dependent Notes Series 431083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $544.32
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.18%  
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 above 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 First credit line: Dec-1993 Debt/Income ratio: 283%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 23Length of status:0y 0m
Amount delinquent: $2,051 Revolving credit balance: $11,648 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: blazing-commerce5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Software development
Purpose of loan:
This loan will be used to? Software development

My financial situation:
I am a good candidate for this loan because? of my credit and income

Monthly net income: $ 9000

Monthly expenses: $
??Housing: $ 850
??Insurance: $ paid
??Car expenses: $ 2500
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $?500
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $272.16
 
Auction yield range: 17.27% - 17.27% Estimated loss impact: 25.95%  
Lender servicing fee: 1.00% Estimated return: -8.68%  
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 above 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: 3 First credit line: Apr-1993 Debt/Income ratio: 20%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $130,285 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 17    
Screen name: basis-tamer 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
Home improvements
Purpose of loan:
This loan will be used to?contractor giving me a great deal on renovating my house half of the price i have been quoted in the past and i couldnt pass on the offer...taking out this loan with your company will allow me to start the process and move forward with my plans on updating my home.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.47% Starting borrower rate/APR: 27.47% / 29.81% Starting monthly payment: $143.77
 
Auction yield range: 11.27% - 26.47% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.81%  
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 above 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: 7 First credit line: Nov-1992 Debt/Income ratio: 10%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 30Length of status:3y 8m
Amount delinquent: $87 Revolving credit balance: $11,228 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$75,000-$99,999
Delinquencies in last 7y: 24 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: rwilliamsjr72 Borrower's state: NorthCarolina 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 660-680 (Latest)
Principal borrowed: $5,000.00< mo. late: 1 ( 3% )  
520-540 (Mar-2008)
680-700 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Buying Healthcare Recruiting Bus
I have an opportunity to buy into a health care Recruiting Business. I have worked in the recruiting and human resource for the past thirteen years. The Health Care recruiting business will focus on specialty Nursing, Health care Information technology and Doctors and Nurse Practitioners, physical therapists for Full time and temporary contract assignments at?medical offices and institutions across the country. I currently have 90% of the funding and this loan would provide the final amount of?additional capital to make the initial investment.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431091
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.15% Starting borrower rate/APR: 21.15% / 24.96% Starting monthly payment: $37.75
 
Auction yield range: 8.27% - 20.15% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
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 above 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: 9 First credit line: Mar-1994 Debt/Income ratio: 10%
Credit score: 680-700 (Oct-2009) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:5y 4m
Amount delinquent: $0 Revolving credit balance: $1,870 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: community-comforter Borrower's state: Wisconsin 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 Bills
Purpose of loan:
This loan will be used to?pay some bills that have recently came in. I am seperated and paying all bills on my own now.?

My financial situation:
I am a good candidate for this loan because? I have a very secure good paying job with good credit.

Monthly net income: $ 2788

Monthly expenses: $
??Housing: $ 984
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 300
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 711.86
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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 above 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: 2 First credit line: Dec-1974 Debt/Income ratio: Not calculated
Credit score: 640-660 (Oct-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 27Length of status:2y 8m
Amount delinquent: $46,880 Revolving credit balance: $20,768 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$1-$24,999
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: commanding-marketplace 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
FUNERAL
Purpose of loan:
This loan will be used to fund the cost of my youngest son's funeral becuause our family had no insurance covered for him.

My financial situation:
I am a good candidate for this loan because I am a good person with a good heart. I have no problem or difficulties whatsoever in paying the loan back plus interest, right now I just need some financial assistance in this matter. Please help.

Monthly net income: $ 2309

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.95% Starting borrower rate/APR: 19.95% / 22.19% Starting monthly payment: $278.54
 
Auction yield range: 17.27% - 18.95% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.11%  
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 above 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: 5 First credit line: Mar-1992 Debt/Income ratio: 17%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 33Length of status:1y 5m
Amount delinquent: $880 Revolving credit balance: $800 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 1    
Screen name: special-point7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
inventory / equipment
Purpose of loan:
This loan will be used to? business

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.
 
Borrower Payment Dependent Notes Series 431103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $365.57
 
Auction yield range: 4.27% - 11.04% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.90%  
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 above 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: 8 First credit line: May-1992 Debt/Income ratio: 36%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:15y 4m
Amount delinquent: $0 Revolving credit balance: $12,076 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: versatile-income Borrower's state: Alabama 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
bill payoff
Purpose of loan:
This loan will be used to? consolidate and payoff credit cards.

My financial situation:
I am a good candidate for this loan because? I am a reliable person and I want to end the evil circle of the credit industry where credit cards are involved.? I want to pay my debt and not expect to be bailed out of the situation. All I want is to have a card for "?emergency only " with a low limit, which even now I never consider a credit card charge as a payment for goods, to me it is a deficit.? Ready to be free of the "BALL? &?? CHAIN." My interest rates are not outragious, but I would love to pay this off sooner rather than later. :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431113
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $298.20
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
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 above 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: 5 First credit line: Jul-1989 Debt/Income ratio: 38%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $12,226 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: income-wonder9 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
Opening a 99 Cents Discount Store
Purpose of loan:
This loan will be used to open a new 99 cents discount store.

My financial situation:
I am a good candidate for this loan because I have a steady job and always been very responsible in paying all my debts.

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $?500.00
??Insurance: $ 150.00
??Car expenses: $ 200.
??Utilities: $ 100.00????
??Phone, cable, internet: $ 0.00?
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00????
??Credit cards and other loans: $ 700.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 21.15% Starting borrower rate/APR: 22.15% / 24.42% Starting monthly payment: $191.34
 
Auction yield range: 8.27% - 21.15% Estimated loss impact: 7.00%  
Lender servicing fee: 1.00% Estimated return: 14.15%  
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 above 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: 9 First credit line: Sep-1988 Debt/Income ratio: 12%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $81,087 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 94%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Banker40 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Bonus Room
Purpose of loan: The purpose of this loan will be to?complete the bonus room in my house and add heat and air to it .
This loan will be used to? Complete bonus room at my house so my elderly parents will have a place to stay.
My financial situation: I am currently employed and own my house and have a 20 year carreer in banking and financial services.
I am a good candidate for this loan because? I have never missed a payment and have an excellent pay history. I also have a stable job history and my credit is my job. Most of my revolving debt is my home equity loan that was made when I purchased my house and it is $60k. I have excellent credit with no late payments. I want to do this as a term loan instead of a credit card since it is not short term debt. My credit card debt is due to funding college courses and my employer will repay once I complete the MBA program.

Monthly net income??$5300.00
Monthly expenses: $ 4070.00
??Housing: $?1480.00
??Insurance: $?175.00
??Car expenses: $?250.00
??Utilities: $?225.00
??Phone, cable, internet: $?110.00
??Food, entertainment: $?450.00
??Clothing, household expenses $?120.00
??Credit cards and other loans: $?1260.00 includes car
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431131
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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 above 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: 2 First credit line: Jan-2002 Debt/Income ratio: 63%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 30Length of status:2y 4m
Amount delinquent: $395 Revolving credit balance: $1,972 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Homeownership: No  
Inquiries last 6m: 2    
Screen name: new-openness-guild 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 my credit cards
Purpose of loan:
This loan will be used towards paying off my credit cards.

My financial situation:
I am a good candidate for this loan because I do not have much debt at all.? At this time I would like to pay off all my debt and build and re-establish excellent?credit.?

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 184
??Car expenses: $ 600
??Utilities: $ 110
??Phone, cable, internet: $ 80
??Food, entertainment: $?500
??Clothing, household expenses $200
??Credit cards and other loans: $?400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,400.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 14.52% Starting borrower rate/APR: 15.52% / 15.88% Starting monthly payment: $328.25
 
Auction yield range: 3.27% - 14.52% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 13.00%  
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 above 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: 8 First credit line: May-1999 Debt/Income ratio: 28%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $7,208 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 9%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: noble-kindness8 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Proven Business Needs Holiday Funds
Purpose of loan:
I am currently running an internet business I created 3 years ago. It has slowly increased in revenue and profits during that time. The holiday season is where my sites peaks for the year.

I am looking for more funding to increase my advertising during this vital period. I will be using the loan to purchase low cost pay-per-click advertising for specific, high profit items. I have had great success with this in the past.

2008 Holiday Season:

Advertising and Fixed Costs: $18,652

Revenue from Sales: $26,569

Holiday Gross Profit: $7,917

My business is a network of websites all listed at Countdown Network. The best performing site is Video Game Countdown.

Why am I a good investment?

- I am able to look each day to see if my advertising campaigns are having a good Return On Investment. When necessary, I can adjust advertising very quickly.

- I have never missed a payment for any loan.

- I have a great personal interest in my business and enjoy what I am doing.

- My business lets my wife stay home with my daughter, and that is priceless to me.

Thank you and I look forward to your investment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,650.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.15% Starting borrower rate/APR: 22.15% / 24.44% Starting monthly payment: $63.14
 
Auction yield range: 8.27% - 20.15% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.18%  
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 above 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: 9 First credit line: Mar-1993 Debt/Income ratio: 9%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $7,750 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: imxavierj 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: 5 ( 100% ) 660-680 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
680-700 (Sep-2009)
680-700 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Help to consolidate!
Purpose of loan:
To save some money, I'm looking to get the interest rate down on some current debt.

Why I am a good candidate:
I have worked in the IT field for fifteen years and I develop high-powered web and Windows applications.? In my personal life, I support my three year-old son and 16 year-old daughter.? I am a strong believer in keeping my word, because what goes around comes around.? Thanks for taking a chance with me.? This is my second Prosper loan - the first was paid off long ago.

I'll be more than glad to answer any questions you have.

My financial situation:
My credit's not terrible, and I earn $7917 a month (gross).? I check my credit often, at least once a month.? My credit scores are all high sixes / low sevens.? I'm pretty conscientious, 'cause I have to depend on myself!!

Monthly net income: $ 5373

Monthly expenses: $ 3049
??Housing: $ 1133
??Insurance: $ 85
??Car expenses: $ 364
??Utilities: $ 190
??Phone, cable, internet: $ 225
??Food, entertainment: $ 630
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 272

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $785.73
 
Auction yield range: 8.27% - 10.00% Estimated loss impact: 6.41%  
Lender servicing fee: 1.00% Estimated return: 3.59%  
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 above 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: 5 First credit line: Jan-1988 Debt/Income ratio: 21%
Credit score: 820-840 (Oct-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $10,091 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 13%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: integrity-baron Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off bills
Purpose of loan:
This loan will be used?to?pay off my credit cards and?bills. I would perfer to?have one payment with a low intrest rate. ?

My financial situation:
I am a good candidate for this loan because I am never late on bills and have always paid my bills on time.?My house is currently value at?$600,000. and?do not want to take out another mortgage.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 28.10% Starting borrower rate/APR: 29.10% / 31.46% Starting monthly payment: $314.70
 
Auction yield range: 14.27% - 28.10% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 12.82%  
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 above 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: 6 First credit line: Oct-1996 Debt/Income ratio: 29%
Credit score: 660-680 (Oct-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $5,362 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: receptive-value Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off our high-interest credit cards.?

My financial situation:
I am a good candidate for this loan because both my wife and I work in the medical field which means we have job stability, I have good credit, and no delinquincies.? Our income exceeds all of our monthly expenses allowing us to consistently make our payments but some of our interest rates are so high that paying the monthly minimum barely makes a dent in the overall balance.? With this loan we will be able to pay down our debt much faster and save for a down payment to be able to buy our first home.

Monthly net income: $ 3200 (not including spouse's income)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $154.84
 
Auction yield range: 6.27% - 22.00% Estimated loss impact: 5.39%  
Lender servicing fee: 1.00% Estimated return: 16.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 8 First credit line: Aug-1983 Debt/Income ratio: 27%
Credit score: 760-780 (Oct-2009) Current / open credit lines: 19 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 55Length of status:6y 10m
Amount delinquent: $0 Revolving credit balance: $60,423 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: Kiwanis Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Loan
Purpose of loan:
Buy Car

My financial situation:
I always have and always will pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431151
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $148.58
 
Auction yield range: 11.27% - 29.00% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 7 First credit line: Dec-1995 Debt/Income ratio: Not calculated
Credit score: 700-720 (Oct-2009) Current / open credit lines: 10 / 8Employment status:Not employed
Now delinquent: 1 Total credit lines: 29Length of status:0y 2m
Amount delinquent: $244 Revolving credit balance: $15,242Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 34% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: lyrisnox Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 700-720 (Latest)
Principal borrowed: $19,000.00< mo. late: 0 ( 0% )  
720-740 (Sep-2009)
740-760 (Jul-2008)
 
Principal balance: $12,035.93 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Used Auto
Purpose of loan:
This loan will be used to?purchase a used vehicle (corrolla, civic, volvo wagon) that is good on gas mileage.

My financial situation:
I am a good candidate for this loan because?As you see, I have a previous prosper loan in very good standing.??It was to consolidate debt accrued while I was in nursing school and it is being paid with family income (spouse is a senior computer network administrator at a major hospital).? I have chosen to return to school full time to get my Bachelors in Nursing?so...at this time, I am a full time student (once again).??I do plan on returning to work at the end of 2010, or sooner if the schedule allows, and I did work over the summer, but that is not allowed to be shown here because it was over 30 days since my last paystub.?

Monthly net income: $5040.00 (husbands income/not mine...but that is how the other loan is being paid at this point)

Monthly expenses: $
??Housing: $ 0.00 (we live in an RV that we own, on family lot,?caretaking for?ill family member)
??Insurance: $ 90.00 (on "home")
??Car expenses: $ 400.00 (maintenance, gas,?and insurance)
??Utilities: $?300.00 (power/propane)
??Phone, cable, internet: $ 102.00 (internet and cell phones)
??Food, entertainment: $ 600.00?
??Clothing, household expenses $ 200-300?
??Credit cards and other loans: $ 1200.00 (includes prior prosper loan)
??Other expenses: $ 500.00 (misc)
? Savings and other Investments (not easily liquidable, precious metals and mutual funds, home):? $35000.(approx)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431165
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,100.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $140.23
 
Auction yield range: 11.27% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 7 First credit line: Aug-1998 Debt/Income ratio: 13%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $1,441 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: diversification-enlistment 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
Startup Funds for Dealership
Purpose of loan:
This loan will be used to pay for?my surety bond and my garage insurance for my used car lot.

My financial situation:
I am a GREAT candidate for this loan because I have a full-time job that provides me with unparalleled flexibility and freedom which allows me to perform my job duties as well as focus on the activities (attend?dealer?auctions/customer?appointments)?necessary to develop my business.?In addition to this my ability to repay this loan is significantly increased due to the fact that I was just awarded a consulting contract with a local firm. As a consultant I am paid $2,000/month on top of my salary from my full-time job.? I would normally save money for several months and then start the business as to avoid the significant interest however my plan is to launch the dealership immediately so that I will be up and running and ready to capitalize on the large amount of people who will be looking to purchase reasonably priced vehicles once they receive their income tax returns.?

Monthly net income: $ 6,900 (100% verifiable)
$4,900 (Salary)
$2,000 (Consulting Contract)

Monthly expenses: $ 3255?
Housing: $ 1250??
Insurance: $ 224??
Car Note: $294???
Fuel: $100??
Utilities: $ 175??
Phone, cable, internet: $183???
Food, entertainment: $ 700??
Clothing, household expenses: $ 75??
Credit card: $35
Student Loan: $139?
Parking: $75????

This is a sound investment and I welcome all questions.????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 5 First credit line: Apr-1992 Debt/Income ratio: 19%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 20 / 16Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 64Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $29,069 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: blooming-investment Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Montana Dream
Purpose of loan:
This loan will be used to? consolidate bills acquired during home improvement process.

My financial situation:
I am a good candidate for this loan because?I am a solid source of income, in that I am a?registered nurse and have job options anywhere I go.? I am a loyal employee and have always held a consistent job.? I work for two different hospitals, one I have been with for 15 years and the other for 2 1/2.? I work part-time for each because my?kids are small now.? I am currently?working on my MBA with a concentration in Health Care Administration, when I graduate my kids will be old enough for me to begin working full time in a?high earning potential position.? I plan to only keep two low limit credit cards for budgeted purposes only and?roll?multiple payments into one to start the slow process of paying?my bills down.? Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431177
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $435.02
 
Auction yield range: 3.27% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.01%  
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 above 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: 7 First credit line: Jul-1997 Debt/Income ratio: 13%
Credit score: 800-820 (Oct-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $17,080 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 28%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: dragonprincess152002 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 my business loan
Purpose of loan:
This loan will be used to pay off a business credit card I used to start my business 2 1/2 years ago.? The business did not go well and was closed within a year.? Right now I am working full-time and have kept my finance well-managed.? The reason I need this loan is because the business credit card's introductory rate will be expired soon.?

My last list on this loan was not 100% funded.? I increased the interest rate this time and hopefully I will have enough bids.?

My financial situation:
I am a good candidate for this loan because I have been a prosper lender for a number of months.? I know how important it is to repay the loan on schedule.? I have a long and solid employment history and an excellent credit score.? I am currently working full-time and I have been with the same employee for 2 year and 8 months.? I will set up auto-pay from my bank account to pay this loan.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $602.34
 
Auction yield range: 3.27% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.01%  
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 above 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: 7 First credit line: Dec-1989 Debt/Income ratio: 13%
Credit score: 840-860 (Oct-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:21y 0m
Amount delinquent: $0 Revolving credit balance: $2,424 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: sunny-nickel 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
Purchasing a time share
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 17.65% Starting borrower rate/APR: 18.65% / 20.87% Starting monthly payment: $182.40
 
Auction yield range: 4.27% - 17.65% Estimated loss impact: 2.18%  
Lender servicing fee: 1.00% Estimated return: 15.47%  
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 above 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: 9 First credit line: Oct-1993 Debt/Income ratio: 18%
Credit score: 700-720 (Oct-2009) Current / open credit lines: 24 / 24Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:11y 10m
Amount delinquent: $0 Revolving credit balance: $77,013 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: undaunted-economy9 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 credit cards
Purpose of loan:
This loan will be used to? pay off other credit cards

My financial situation:
I am a good candidate for this loan because? i've never been late and i do pay all my bills

Monthly net income: $ 8668.00

Monthly expenses: $
??Housing: $ 3076
??Insurance: $ 181
??Car expenses: $ 483
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 20
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431201
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $19,450.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 18.99% Starting borrower rate/APR: 19.99% / 22.23% Starting monthly payment: $722.73
 
Auction yield range: 11.27% - 18.99% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above 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: 6 First credit line: Apr-1993 Debt/Income ratio: 32%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $61,555 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: LotusFunds Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 740-760 (Latest)
Principal borrowed: $22,000.00< mo. late: 0 ( 0% )  
740-760 (Sep-2009)
740-760 (Aug-2009)
760-780 (May-2007)
 
Principal balance: $5,530.91 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Refi and Debt Cons. - Never Late
Purpose of loan:

Had prosper loan for last 2.5 years. Just need to get the payment down and to consolidate other debt.
Never late....EVER....
Easy interest for you.?
Extending the time to pay the remaining balanace down and giving you a chance to earn more interest.


My financial situation:

Never late, already make this payment every month on time, PROVEN HISTORY WITH PROSPER!!!!?
Credit Rate change is due to me closing?accounts when the "rate jack" happened.
Also my credit lines were cut even though I was current, making open credit ratio take a hit. Really does a dozy on FICO.

Monthly net income:

Primary Employment is $6,000 per month
Secondary [AdjunctUniversity Professor] is $2000 per month
Spouse has income to assist with household?expenses?

Monthly expenses: $
??Housing: $ 2000
??Insurance: $?Heath - Employer paid, Car - $60 [Long time USAA customer], Home - Included
??Car expenses: $?Car Paid For. $100/mo [I?own a Prius - Low Gas Milage]
??Utilities: $ 200
??Phone, cable, internet: $ 80?
??Food, entertainment: $ 500 [Family of? 5]
??Clothing, household expenses $ 300 [Not a significant priority in our lives]
??Credit cards and other loans: $ 1300 [Includes?the old Prosper loan]


Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 25.90% Starting borrower rate/APR: 26.90% / 29.23% Starting monthly payment: $509.64
 
Auction yield range: 8.27% - 25.90% Estimated loss impact: 8.62%  
Lender servicing fee: 1.00% Estimated return: 17.28%  
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 above 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: 8 First credit line: Sep-2001 Debt/Income ratio: 30%
Credit score: 720-740 (Oct-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:4y 1m
Amount delinquent: $0 Revolving credit balance: $18,670 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: unabashed-durability 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
home improvements
Purpose of loan:
This loan will be used to??im currently?looking into adding an addition to my home and adding a pool in my?back yard. Im hoping with this loan I will be able to make my plans move forward. Im currently working with a contractor that is willing to?do the job for me but can not start the project. Taking out this loan will help me?out in such a big way.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $238.56
 
Auction yield range: 17.27% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
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 above 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: 4 First credit line: Oct-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-680 (Oct-2009) Current / open credit lines: 14 / 15Employment status:Self-employed
Now delinquent: 1 Total credit lines: 22Length of status:4y 9m
Amount delinquent: $1,566 Revolving credit balance: $193,464 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: platinum-proton Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
new boiler and new roof
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.
 
Borrower Payment Dependent Notes Series 431237
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $366.56
 
Auction yield range: 11.27% - 18.00% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
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 above 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: 6 First credit line: May-1992 Debt/Income ratio: 22%
Credit score: 740-760 (Oct-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:17y 4m
Amount delinquent: $0 Revolving credit balance: $43,390 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: euro-dancer 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 my credit cards
Purpose of loan:
This loan will be used to pay off high interest rates credit cards

My financial situation:
I am a good candidate for this loan because I have been employed with my current employer for over 17 years and have paid my bills on time each month.??I am currently employed as an adjunct teacher?at a major university.? I will be using proceeds from this job to repay loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
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 above 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: 5 First credit line: May-1993 Debt/Income ratio: 22%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:19y 2m
Amount delinquent: $0 Revolving credit balance: $199,948 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: bid-surgeon Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for continuing education
Purpose of loan:
This loan will be used to?

This loan will be used to cover tuition form my wife who has gone back to school.? After years of taking care of our children she has decided to pursue a career in school counseling.? She has already completed one year which?I have paid for out pocket and would like to borrow?the balance of the tuition so?I do not?add anymore revolving debt.? This is an excellent opportunity for her to have a career and help children in the process.??I want to do everything I can to help ensure she succeeds in her goals and any help from the lending community is greatly appreciated.

I am a good candidate for this loan because?

I have a spotless credit record and?I have the income to pay my exising bills.? In 20 years?I have never had one missed or late payment and?I am not about to start now.? The Prosper rating assigned to this request does not tell the whole story.? Please do not judge on the rating alone.? I do have high revolving debt outstanding but?I also have the income to support it and as previously stated have never missed a payment.??I am willing to absorb the high interest rate for this loan because it is still better than adding more revolving debt and makes me feel good that individuals will gain from this rate and not large corporations.? This is an excellent opportunity to help someone out in need who wishes to help others as well as a good investment opportunity.? I welcome any questions that will make a potential lender feel more comfortable investing in this loan and thank all for considering me.

Monthly net income: $ 12,300

Monthly expenses: $
??Housing: $ 2600
??Insurance: $ 250
??Car expenses: $490
??Utilities: $ 400
??Phone, cable, internet: $ 200
??Food, entertainment: $?1000
??Clothing, household expenses $?1000
??Credit cards and other loans: $?2000
??Other expenses: $ 1000????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431249
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $769.01
 
Auction yield range: 17.27% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
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 above 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: 2 First credit line: Jan-1998 Debt/Income ratio: 29%
Credit score: 640-660 (Oct-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 15Length of status:11y 7m
Amount delinquent: $11,742 Revolving credit balance: $11,436 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 2    
Screen name: Peace2 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt & financial bldg.
Purpose of loan:
The purpose of this loan is to pay off the the debt that I have been working down over the past years. I was a contract-employee and suffered a hardship seven years ago when funding concluded on a project which left me without full time employment for a little over a year. I regained a full time position with my present employer but took a substantial cut in my pervious salary earnings. Employed in the healthcare setting for over eighteen years, I have restructured both career and financial goals, focusing my attention in the areas of art therapy. I returned to school a year ago, accepted in the BA/MA program as a full-time student to complete my studies in Visual Arts in Photography, Film Studies and Media Productions at the New School University. This loan will also assist in buffering my educational cost between semesters. My financial situation:
My financial goals continue to change and grow in establishing my financial profile. Situations underway are as follows: Working with my financial advisor to secure the proper insurances in the event of income loss again or life; Continued communication with creditors and credit reporting agencies in moving the efforts to increase my credit rating and worthiness; And applying to grant and scholarship opportunities to assist with educational overhead.Monthly net income: $ 2400+

Monthly expenses: $
??Housing: $?- clarity?required.
??Insurance: $ (Payroll deduction - hospital benefits package) &?$155.00 (external life & income coverage)
??Car expenses: $0 (no car)
??Utilities: $250 - $350
??Phone, cable, internet: $80 - $125. (packaged)
??Food, entertainment: $200-300 (food)
??Clothing, household expenses?as needed (not monthly)
??Credit cards $0 - no credit cards;?other loans:?$0
??Other expenses (Monthly Transit - Metro, cab): $200+
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431261
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.07% Starting borrower rate/APR: 16.07% / 18.25% Starting monthly payment: $70.38
 
Auction yield range: 6.27% - 15.07% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.81%  
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 above 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: 8 First credit line: Nov-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-760 (Oct-2009) Current / open credit lines: 9 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 24Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $23,926 Occupation: Tradesman - Carpent...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: kindness-pudding Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating some loans
The purpose of trying to obtain this loan is to consolidate several small debts (medical bill etc.) with higher interest rates into one monthly payment. I am in the construction industry full time as well I am a Financial Advisor full time. I have a good record as far as making my payments on time, and plan to pay this off before the 36 month period is up.
Information in the Description is not verified.