Listing Report:Supplement No. 125 dated Dec 17, 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 400171
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: $2,699.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 13.95% Starting borrower rate/APR: 14.95% / 17.12% Starting monthly payment: $93.50
 
Auction yield range: 4.20% - 13.95% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.80%  
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-2007 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 4 / 2Employment status:Not employed
Now delinquent: 0 Total credit lines: 4Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $2,571Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 30% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: macoto Borrower's state: Virginia Borrower's group: SA Goons
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: 19 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
640-659 (Sep-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Repeat borrower: pay off 26% APR
First off, thank you for considering investing in me. While nothing in life is guaranteed, my credit is far too valuable to me to ever consider defaulting or being late on a debt payment.

I have recently (as of September) switched gears and entered massage therapy school.? My parents have agreed to pay for this schooling, as well as support me with my car, health insurance, housing, and food, although I am left burdened with my other financial responsibilities -- see below.

I graduate from Massage Therapy school in March 2009.? I expect to earn at least $800/month net income from massage therapy work starting in April.

Having graduated university with a combined Bachelor's to Master's program on full scholarship -- leaving me with $0 in student debt -- I started a PhD program.? I spent one year there, after which I realized that it was the wrong environment for me to thrive in.? The stipend was livable, although barely, and I accumulated some credit card debt while there and during my transition back home.? This is the $2,571.95 in debt that I want to pay with this loan.? My last charge on this credit card, which is the only one I ever use, is dated 5 October 2009.? I have no further plans to use this card until my balance is paid off.

I recently received a notice from Citibank that my credit card's APR will increase from a 6-month promo APR of 11% to a horrendous 26% APR.? I would rather pay "balance transfer fees" to investors at Prosper than to banks "too big to fail"!

I had a previous loan with Propser which I used to reinvest in Propser and build my credit rating.? As you can see, I paid off this loan in full about 18 months ahead of schedule.? I plan to do the same with this loan.

Monthly net income -- currently $100+ without dipping into any savings; $800+/month starting in April
Monthly expenses: $50 -- parents pay for rest
Savings: $1600, which I am fully willing to spend to get out of debt
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438425
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: $1,150.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.38% Starting monthly payment: $43.37
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
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-1991 Debt/Income ratio: 3%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 25Length of status:1y 9m
Amount delinquent: $18,458 Revolving credit balance: $100,914 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$100,000+
Delinquencies in last 7y: 39 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: cvbarker 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
Great Investment Right Here
Hi everyone,

I am making great progress.? I just finished paying off a settlement on my AMEX which eliminated $22K in credit card debt.??I need $4000 to payoff my citibank card which will eliminate approx $17,000 in credit card debt.? Any help appreciated!? Help me get DEBT FREE!!!!!!!!!!!!!

So what happened?? The 30+ delinquencies on my profile are the result of?a layoff a couple years ago that saw my?income go from $150K to?$48K that in addition to a new wonderful baby girl that required some at home?medical expenses not covered by insurance.? Happy to report that she in fine now as well as my income is back up over $100k.? ?

Update: I will be getting a bonus from my employer payable to me in March 2010 of at least $4k

Purpose of loan:
This loan will be used to pay off a credit card that I have in default.? I have negoiated settlement with credit card company and need to come up with this amount ASAP?

My financial situation:
I am a good candidate for this loan because I have always had good credit but some unfortunate life circumstances put me in a difficult financial situation that I am getting out of with your help.??The amount of past due is a result of not being able to make minimum payments but I am now able to do that as my income has increased.? In addition I work in an industry that requires good credit (financial services) and thus need to clear this up.??Please consider bidding on my loan I will even be able to pay it back early.? Thank you.?

Monthly net income: $4100
Monthly expenses: $
??Housing: $0 (I am living with a family member currently
??Insurance: $ NA
??Car expenses: $ NA
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ na
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438431
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: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $188.58
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
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: Nov-1985 Debt/Income ratio: 68%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $232,341 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: courteous-coin119 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
Property taxes
Purpose of loan:
This loan will be used to? pay property taxes

My financial situation:
I am a good candidate for this loan because? I have always paid my debts. ????

Monthly net income: $ 12,000.

Monthly expenses: $ 3400.00
??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 438437
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
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-1984 Debt/Income ratio: 26%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 3 / 4Employment status:Full-time employee
Now delinquent: 6 Total credit lines: 43Length of status:0y 6m
Amount delinquent: $4,278 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: starr22 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 / 1 On-time: 26 ( 96% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 4% )  
620-639 (Nov-2009)
620-639 (Aug-2007)
620-639 (Jul-2007)
 
Principal balance: $618.25 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
IN CONTROL ONCE AGAIN
?Purpose of loan: To get back in good standing by paying off a 600 loan and one credit card of 100 to pay off, and to pay two mortgage payments to become current on my mortgage.
This loan will be used to?
pay off my credit card and loan and to become current and in control once again on my mortgage.
My financial situation:
I am a good candidate for this loan because I am once again currently employed and have been paying my bills trying to get? back on my feet after becoming unemployed .? I am disciplined and grateful and I am a dedicated hard worker who believes TOUGH TIMES DON'T LAST, TOUGH PEOPLE DO; and I am once of those people!

Monthly net income: $ 1800.00

Monthly expenses: $ 1300
??Housing: $ 400
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 20
??Food, entertainment: $ 75
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 700
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438443
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.06% Starting borrower rate/APR: 29.06% / 31.42% Starting monthly payment: $83.88
 
Auction yield range: 11.20% - 28.06% Estimated loss impact: 10.70%  
Lender servicing fee: 1.00% Estimated return: 17.36%  
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: Mar-2001 Debt/Income ratio: 37%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Homeownership: No  
Inquiries last 6m: 0    
Screen name: useful-platinum Borrower's state: Kentucky 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 to start a new biz!
Purpose of loan:
This loan will be used to pay off a couple small student loans and to consolidate a few other bills. Consolidating will allow me to free up cash for which i plan to start up a small vending machine business. I have spoken with a couple local business man who have agreed to let me put vending machines up. One has 15 employees while the second has 3 locations with 80 employees. Please help me to consolidate so i can have a small monthly payment so that i can start up a small vending machine business. Thanks so much! Any questions just ask!

My financial situation:
I am a good candidate for this loan because I am working two jobs 60+ hours a week. I am a hard worker and have a strong will to succeed. I live at home with my parents and I am not required to pay any living expenses. I am only required to pay my car payment and my cell phone bill and a couple small school loans. I work for UPS and an adult psychiatric center and both fields are very stable. I am currently making around $32,000 a year. I will have no problem paying the monthly payment for this loan.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0
??Insurance: $0
??Car expenses: $450
??Utilities: $ 0
??Phone, cable, internet: $70
??Food, entertainment: $ 100
??Clothing, household expenses $ 40
??Credit cards and other loans: $200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438467
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.08% Starting borrower rate/APR: 30.08% / 34.11% Starting monthly payment: $42.50
 
Auction yield range: 11.20% - 29.08% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.35%  
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-1986 Debt/Income ratio: 21%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 7Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 21Length of status:4y 0m
Amount delinquent: $1,441 Revolving credit balance: $20,493 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: best-finance-transformer 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
Getting Through Christmas
Purpose of loan:
Get Through the Christmas Season
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 438479
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: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $143.64
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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-1988 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $1,910 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 25%Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Homeownership: No  
Inquiries last 6m: 1    
Screen name: return-blackberry4 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
Personal
Purpose of loan:
This loan will be used to?Lower Credit Cards and Christmas?

My financial situation:
I am a good candidate for this loan because?I can afford it.?

Monthly net income: $1390 work? 900 Social Security????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ?

Monthly expenses: $ 1517.68
??Housing: $ 510
??Insurance: $64
??Car expenses: $ 78
??Utilities: $78
Phone, cable, internet: $ 37.68
??Food, entertainment: $ 200
Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438485
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: 11.20% - 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: Apr-1987 Debt/Income ratio: 13%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 20 / 19Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 36Length of status:18y 1m
Amount delinquent: $426 Revolving credit balance: $5,283 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 34%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 2    
Screen name: jobliner Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?pay off crdit cards and some other small bills?

My financial situation:
I am a good candidate for this loan because?my debt ratio is low and I have a good, stable job history with a good monthly income?

Monthly net income: $ 4500

Monthly expenses: $ 1800
??Housing: $ 0????
??Insurance: $ 600
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438491
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: 15.50% Starting borrower rate/APR: 16.50% / 18.69% Starting monthly payment: $265.53
 
Auction yield range: 4.20% - 15.50% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 13.34%  
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-1993 Debt/Income ratio: 13%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Retired
Now delinquent: 0 Total credit lines: 12Length of status:34y 2m
Amount delinquent: $0 Revolving credit balance: $35Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: currency-maximizer0 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need Funding For School
Purpose of loan:
This loan will be used to?

Obtain education in real estate. I am working with a mentor to help my newly established company to go to the next level in real estate. I will be looking to make back all funding asked for within the first 90 days. We will be working with buyers and sellers in our local market and helping people to get out of tight situations the economy has put them in.

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

I work hard daily to make sure I am on top of my finances. I plan on doing what I have to, in order to insure I will be able to pay off the loan within the first 90 days of funding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438497
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: 17.20% - 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: Aug-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 3 / 2Employment status:Self-employed
Now delinquent: 0 Total credit lines: 14Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $491 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 39%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: kathleenbear2008 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
720-739 (Sep-2008)
740-759 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Working Capital
Purpose of loan:
This loan will be used to bridge our moving of one server to a new server while we wait on our investors funds to come through. See our sites here: iLifeNetworks.com

My financial situation:
I am a good candidate for this loan because we pay all our loans on time and haven't missed a payment. (see prosper history for our last loan)
Our business was just recognized (my husband and I) here:
http://www.utahceomagazine.com/article.php?id=416
http://www.pageturnpro.com/MediaNews-Group/10016-Utah-CEO-December-Issue/index.html#40
We are number 5. We prefer loans over investors (which are knocking at our doors)

Monthly net income: $
7800.00

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 150
??Car expenses: $ 100
??Utilities: $ 300
??Phone, cable, internet: $ 80
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 480
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438503
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.20% - 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: Aug-1983 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 22 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $109,089 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: money-amplifier9 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 down some crediit cards
Purpose of loan:
This loan will be used to? pay down some credit cards and bills

My financial situation:
I am a good candidate for this loan because? I have never missed any payment of any type. Plus, I will be receiving a raise and a bonus at work in early 2010.

Monthly net income: $ 12,000 with my other sources of income

Monthly expenses: $ 10,930
??Housing: $ 4,250
??Insurance: $ 400
??Car expenses: $ 1,200
??Utilities: $ 300
Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 3,000
??Other expenses: $ 1,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438509
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: 17.20% - 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: Sep-1997 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Not employed
Now delinquent: 0 Total credit lines: 13Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $1,349Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 29% 
Delinquencies in last 7y: 5 Homeownership: No  
Inquiries last 6m: 0    
Screen name: adventurous-affluence 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 Bills to live
This loan will be used for bill paying only to?live in day to day life. Like transportation for interviews paying of debt of monthly phone bills, credit card?, doctor bills ect.Until I find a source of employment. .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438515
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: 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: $180.94
 
Auction yield range: 17.20% - 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-1989 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 4Employment status:Retired
Now delinquent: 0 Total credit lines: 17Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $1,920Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: plentiful-duty4 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 debt
Purpose of loan:
This loan will be used to consolidate a few small bills.??

My financial situation:
I am a good candidate for this loan because I have reached the "age of reason".? In other words, I have the maturity to make sound decisions and know when I need to make a plan to maintain debt so that I am not in over my head.?? I also plan to pay off early by obtaining supplemental employment to my retirement income.? I own my own home.? In today's economy, I know it is wise to gain control of your finances so that people can keep their homes.?

Monthly net income: $ 3200.00

Monthly expenses: $
??Housing: $ 1240.43
??Insurance: $ 50.00
??Car expenses: $ 450.00
??Utilities: $?150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 350.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438521
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: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.23% Starting monthly payment: $45.26
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
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: Jun-1996 Debt/Income ratio: 7%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:11y 1m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 25 Homeownership: No  
Inquiries last 6m: 0    
Screen name: money-driver980 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.
Description
paying bills
Purpose of loan:
This loan will be used to? pay bills

My financial situation:
I am a good candidate for this loan because? i have good income and i am sincere with the people i do busisiness with

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438539
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $282.03
 
Auction yield range: 17.20% - 25.00% Estimated loss impact: 19.44%  
Lender servicing fee: 1.00% Estimated return: 5.56%  
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: Jul-2006 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 21Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $897 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: lenderloo 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
Paying for grad school
Purpose of loan:
This loan will be used to pay for my PhD fees in the UK until my US student loans arrive.? My research on medical patient and physician care is funded by these loans and I have to travel frequently to the US and parts of the UK to collect data to help improve medical care. I've had to purchase a lot of my own recording equipment and am fully responsible for consumables like paper and digital video cassettes. The cost of conducting my research has significantly eaten into the already limited funds I have to live on.

My situation is made more difficult by the timing of loan disbursements. As a student in the UK, I have to pay 6 months of rent in advance (UK citizens only pay monthly rent). I am required to pay tuition and rent twice a year, which are due before the disbursement in January. This loan will enable me to make my tuition and rent payments on time as well as when combined with the other funds available carry me through for a full year.

My financial situation:
I am a good candidate for this loan, because I have a clear and possible plan for the future as well as a history of being responsible with money. I am currently working part time teaching at the university, so I do have an income to make loan payments. I am also applying for additional grants, although funds are extremely limited in the UK. Following graduation, I plan to take a post working to improve health care in the US and the UK.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438551
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $78.80
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
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: May-1997 Debt/Income ratio: 18%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:21y 1m
Amount delinquent: $0 Revolving credit balance: $25,638 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: charming-integrity824 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
Holiday Cash & Bill Payoff
Purpose of loan:
This loan will be used to? pay off debts and wrap up holiday purchases.

My financial situation:
I am a good candidate for this loan because? I pay my debts. I've been with one employer for 21 years. I am dependable, but like others in this economy pay cuts, no bonuses, and other financial woes have put me in a bind. This loan will help me gradually payoff a few debts and not have to use every dime of my paycheck and still not have enough. I believe in paying my debts, no matter what.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438591
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: 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: $278.32
 
Auction yield range: 17.20% - 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: Mar-1996 Debt/Income ratio: 15%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Retired
Now delinquent: 0 Total credit lines: 9Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $2,077Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: armada1 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
Inventory for Tax Season
Purpose of loan: Business

My financial situation:
I am a good candidate for this loan because?I own my house and car free and clear and I only have one?credit card with a balance. Besides this loan I will have nothing else to pay.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438657
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 27.00% / 29.33% Starting monthly payment: $204.13
 
Auction yield range: 11.20% - 25.00% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.38%  
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: 7 First credit line: Jul-1972 Debt/Income ratio: 19%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:13y 4m
Amount delinquent: $0 Revolving credit balance: $22,571 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: ATMBIZ Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,200.00< mo. late: 0 ( 0% )  
680-699 (Jun-2008)
 
Principal balance: $3,071.21 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Cash Tyme II
Purpose of loan: To purchase an ATM machine for hotel. we will place a $2.50 transaction for customer use, ( $2.50 x 300 customers transaction per month = $ 750 monthly profit) Income to pay off loan.
This loan will be used to?

My financial situation: I have over 10 years experience in the ATM business. I am married and we have two incomes( wife: $3,200 monthly net).We have very low debt and will have no problem payin g this debt.
I am a good candidate for this loan because?

Monthly net income: $ 5,300?( my income alone)???

Monthly expenses: $
??Housing: $ 1500????????
??Insurance: $275
??Car expenses: $ 630
??Utilities: $ (wife expense)????
??Phone, cable, internet: $ (wife?expense)
??Food, entertainment: $ 300
??Clothing, household expenses $ (wife expense)
??Credit cards and other loans: $ 175
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438693
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: $9,225.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 15.36% Starting monthly payment: $319.79
 
Auction yield range: 3.20% - 14.00% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 12.48%  
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: 6 First credit line: Jan-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 840-859 (Dec-2009) Current / open credit lines: 11 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 16Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $6,831 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: AttitudePie 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
Inventory for Spring Season
Purpose of loan: We are a children's clothing designer.? At the most recent market this fall, our orders from new and existing customers grew immensely.? We are also expanding into?two new markets in the United States in 2010.? The Midwest and New England.?We need this loan to help fund the?manufacturing of the clothing and for a successful expansion into these two new markets at the upcomming trade shows in January through March.

My financial situation: I am a good candidate for this loan because our company is never late on our bills.? Also, the?clothes we are manufacturing have already been ordered by?our customers and we will be paid as our customers receive their merchandise.? Since we plan for this loan to be paid off in a short period of time, before the end of the first?half 2010, we are offering a higher interest rate to make the loan more attractive to lenders.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438705
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: 17.20% - 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-1987 Debt/Income ratio: 21%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 15 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $72,666 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 16    
Screen name: sharp-gain Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off some bills
Purpose of loan:
This loan will be used to? pay some bills ????

My financial situation:
I am a good candidate for this loan because? I always pay my debt

Monthly net income: $ about 4,200 including retirement from Air Force

Monthly expenses: $
??Housing: $ 775 ???

??Insurance: $ 300
??Car expenses: $ 350
??Utilities: $ 40
??Phone, cable, internet: $ 120
??Food, entertainment: $ 120
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438729
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.20% Starting borrower rate/APR: 12.20% / 14.33% Starting monthly payment: $832.75
 
Auction yield range: 11.20% - 11.20% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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: Sep-1997 Debt/Income ratio: 24%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:12y 1m
Amount delinquent: $0 Revolving credit balance: $28,256 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: new-luminous-contract 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 CREDIT CARDS
Purpose of loan:
This loan will be used to pay off credit card debt accumulate by my wife and I.? We were married in 2007 and accumulated some debt?due to?wedding expenses and other unforseen emergencies.?

My financial situation:

I currently work for the federal government. I have been working for the government for 12 years.? I currently live and work overseas.? I have been overseas for three years and will be here for an additional two years.? I can devote a great deal of my income towards paying this loan off quickly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438735
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $209.74
 
Auction yield range: 3.20% - 9.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
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-1990 Debt/Income ratio: 19%
Credit score: 840-859 (Dec-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:11y 8m
Amount delinquent: $0 Revolving credit balance: $16,023 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: GlobalLending 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 / 2 On-time: 23 ( 96% ) 840-859 (Latest)
Principal borrowed: $37,000.00< mo. late: 1 ( 4% )  
820-839 (Jul-2008)
840-859 (Oct-2007)
 
Principal balance: $6,674.51 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Pay off current Prosper loan
Borrower Details:
I have been investing in the Prosper markets place for the last two years. In November 2007, I borrowed $25K from Prosper for the first time. As a first time borrower, I thought my monthly payment would reduce as I paid down the balance. I?repaid?more than 50% of the loan in less than a year, but the $812.56 remains the same. A year ago I refinance the loan for $12,000 and although I can pay the $388 monthly payment, I would like to refinance the loan once again in order to reduce my monthly payment.

Purpose of loan:
The purpose of this loan is to lower my current Prosper loan monthly payment.

My financial situation:
I have never been delinquent on any of my accounts. I am currently working full time as the Director of Network with my current employer for about 11.5 years. In addition, my savings, checking and CD?s accounts have an excess of $25K.

Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438753
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.14% Starting borrower rate/APR: 30.14% / 34.17% Starting monthly payment: $42.53
 
Auction yield range: 11.20% - 29.14% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.41%  
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: Feb-2008 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $3,130 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sublime-credit6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying my car payments
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I serve our country and am able to pay back the loan without any hassle.

Monthly net income: $2,800.00

Monthly expenses: $2,330.00
??Housing: $750.00
??Insurance: $250.00????
??Car expenses: $600.00
??Utilities: $150.00
??Phone, cable, internet: $180.00
??Food, entertainment: $200.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $.0
??Other expenses: $.0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438771
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: $10,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $329.46
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.28%  
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: Jun-1996 Debt/Income ratio: 33%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $9,631 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 23%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: income-surfer7 Borrower's state: Arkansas 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
REGISTERED NURSING COMPLETION
Purpose of loan:
This loan will be used to?I am currently a LPN with 15 years experience. I have been taking courses via Excelsior College for completion of Registered Nursing degree-Associates. I will take my CPNE in Feb 2010. The purpose of the loan is to cover my expenses related to completion of the program which is not eligible for traditional financial aid, i.e. FAFSA etc.I have paid the costs out of pocket as I have progressed through this non-traditional program,cost to date $4400.00 books,fees,and exams. The clinical exam (CPNE) cost is $1950.00, I will travel to Milwaukee,WI. for exam. I must purchase uniforms, books,lodging, and have my 2006 Honda element serviced so that I will be able to make it there via car. I am taking extra time away from work to study for the final portion of the exam. So I want to have the available funds to cover without distress to my diversified financial net worth?

My financial situation:
I am a good candidate for this loan because? I have owned my home since 2003, I have 2 previous mortgages with no late payments, I refinanced for a lower rate in 12/2008 when the credit market was in meltdown mode. I have a stable employment history as a Licensed Practical Nurse-Arkansas,a high demand career. I normally work extra at a part time job as nursing is continually short. I have a retirement account, a personal brokerage account with Wells Fargo, an IRA account with Met-life. 2 emergency funds, one with US bank/savings and the other is Wells Fargo/ savings.I also have an account with US savings bonds( treasury direct)/ $3500.00. I do not wish to use my emergency funds.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438777
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 30.77% Starting borrower rate/APR: 31.77% / 34.17% Starting monthly payment: $86.85
 
Auction yield range: 14.20% - 30.77% Estimated loss impact: 15.41%  
Lender servicing fee: 1.00% Estimated return: 15.36%  
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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2009) Current / open credit lines: 0 / 0Employment status:Self-employed
Now delinquent: 0 Total credit lines: 2Length of status:29y 4m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: value-blossom 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
deferring Insurance $ 'til Spring
Purpose of loan:
This loan will be used to? defer insurance payments until Spring '10

My financial situation:
I am a good candidate for this loan because? we have adequate cash in April

Monthly net income: $ 25,000

Monthly expenses: $ 24,500
??Housing: $ 250
??Insurance: $ 400
??Car expenses: $ 5
??Utilities: $ 250
??Phone, cable, internet: $ 250
??Food, entertainment: $ 15
??Clothing, household expenses $ 10
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438783
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: $7,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $223.96
 
Auction yield range: 3.20% - 6.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.00%  
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: Nov-2000 Debt/Income ratio: 5%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 22Length of status:7y 3m
Amount delinquent: $234 Revolving credit balance: $2,379 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: kinetic-market 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
Buying a SUV for winter
Purpose of loan:
This loan will be used to? buy a second vehicle for the winter. I was going to get a loan through chase bank but while researching the internet i came across this site and decided to do business with prosper instead of the big banks.

My financial situation:
I am a good candidate for this loan because... i have been working for the city of chicago for the last 7 yrs as a police officer. i have a great credit rating and pay all my bills before the due date.lol so my credit card companies hate me because i never get charged interest but i rack up the cash back points.lol? my second option is just to save up which is easy to do i just wanted to try this prosper thing out.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438789
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 14.25% Starting borrower rate/APR: 15.25% / 17.42% Starting monthly payment: $121.76
 
Auction yield range: 14.20% - 14.25% Estimated loss impact: 14.61%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
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-2004 Debt/Income ratio: 32%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $8,140 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: bopper4 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
I wanna be Credit-Card Debt Free!
Purpose of loan:
I would like to use this loan to pay off all my outstanding credit card debt, and consolidate it into one monthly payment.

My financial situation:
I am a good candidate for this loan because I am a very dedicated and hard working individual with a BA in visual communications. Although I have only been with my current employer a few months, I have never been unemployed and continuously strive to climb higher up on the corporate ladder.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438807
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: 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: $180.94
 
Auction yield range: 17.20% - 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: Jul-1993 Debt/Income ratio: 104%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:20y 4m
Amount delinquent: $0 Revolving credit balance: $24,605 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: affluence-atlantis 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
"Paying off debt"
Purpose of loan:
This loan will be used to?
Start the beginning of paying off high interest loans that were obtained when our youngest son was hospitalized for several months.? Just wanting to get ahead.
My financial situation:
I am a good candidate for this loan because?
We are hard working, and have never missed nor been late with any payments.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438813
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.50% Starting borrower rate/APR: 15.50% / 19.18% Starting monthly payment: $34.91
 
Auction yield range: 4.20% - 14.50% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 12.34%  
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: Aug-2002 Debt/Income ratio: 42%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $9,921 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Yacker14 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
Emergency auto repair
Purpose of loan:
This loan will be used to repair my vechile. Unfortunately at this time I can not afford to miss work due to lack of transportation.
My financial situation:
I am a good candidate for this loan because I will meet my financial responsiblities.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438819
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: $9,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $284.11
 
Auction yield range: 3.20% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.00%  
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-1988 Debt/Income ratio: 22%
Credit score: 820-839 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:24y 10m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
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: fudger28 Borrower's state: NewYork Borrower's group: Not Active
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: 35 ( 100% ) 820-839 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
740-759 (Aug-2008)
720-739 (Jun-2007)
 
Principal balance: $4,218.68 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
I cut my credit card in half!
Purpose of loan:
I cut my highest balance credit card in half, and now I'm hoping that you'll help me get rid of half its balance. I'll pay the other half, too, but over 5 years. To you, I'll pay you good interest to help me get rid of this debt.

My financial situation:
Current net income per month: just over $5,424, with additional occasional self-employment income
Mortgage: $1,459
Utilities: $230 (mines heating. I have wood and coal set by to reduce my heating costs)
Heating, after wood and coal: approx. $250 per month
Groceries: $200
Gas: $250
All credit payments and insurance: $864 (this includes $400 a month I pay to this credit card, but you're helping me cut that payment)

Leftover for payments to you: $2,166
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438825
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: $6,300.00 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: $284.99
 
Auction yield range: 17.20% - 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: Jun-1990 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 23Length of status:11y 8m
Amount delinquent: $17,598 Revolving credit balance: $355 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: sbuijck Borrower's state: Michigan Borrower's group: Debt Consolidators
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% ) 660-679 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
660-679 (Mar-2007)
 
Principal balance: $202.58 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Debt consolidation
I am trying to consolidate Credit cards and a small loan that I have. I would like to get a lower monthly payment even though I know through the term of the loan I will actually pay more. My Ex-wife has and still is damaging my credit since the house we bought when we were married still has my name on it and she acnnot make a payment on time. I have tried to get my name off the loan but cannot. I have since purchased a house at a very high interest rate because of this. So i would like to try and reduce my monthly bills to accomodate for this. I am always on time with my Credit cards and house payment and auto loan and would just like the oppurtunity to have a little more IN-Pocket money. I did have to walk away from my house and have a foreclosure on my credit and other medical bills but i can promise as my past 3 year history shows i will pay this loan on-time and every month without fail. even with all i have gone through i have never failed to pay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438835
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.20% - 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: Oct-1992 Debt/Income ratio: 31%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 26Length of status:6y 0m
Amount delinquent: $601 Revolving credit balance: $31,571 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: cash-songbird 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
Help Me stick it To the Man
I am married with 3 children. I have worked since I was 18 years old and I will continue to work until I get rich (just kidding).Here is the breakdown of Everything--Show Me The Money: In addition to my full time job in which the yearly salary is about 43,000 I have a few ?side jobs? I own an online baby boutique, I am an independent consultant for Scentsy and MiaMariu (a make-up company).? From these 3 side jobs I average about an extra 400.00-600.00 a month. Home and Land :?We own 3 homes 2 are rentals one we live in (paid off)? we do not have a mortgage payment, but we do pay a little bit of money toward the mortgage of one of the rented homes to make up the difference. We also own 40 acres of land (also paid off).Automobiles: We do own cars, but they are paid off. Debt: I have a total of 15,000 in credit card debt. This debt was a result of start-up fees and purchasing inventory for my online baby boutique, website design etc.? I am able to meet my monthly obligations, which currently average about 700.00 a month. Withe?the credit card company?s jacking up the interest rates, I feel that I am just giving my money away to a lost cause. Negative Credit Reports: ?never do business with friends or family.? This is the result. The outstanding charges on my credit report are due to me assisting a family member getting utilities or cell phones under my name. Ultimately, I know it is my responsibility to get these paid off, and I plan to do this with my income tax return next year. There it is the whole ugly truth. Therefore, everyone out there who is looking to make some bids, take a chance on me. I am already paying the amount that Prosper would charge on a monthly basis, so I would not feel any different, but I could sleep better at night knowing that my debt is decreasing. I would also be able to pay more towards my Prosper loan on good months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438847
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.20% - 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: Feb-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 1 Total credit lines: 31Length of status:1y 6m
Amount delinquent: $244 Revolving credit balance: $1,205 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Homeownership: No  
Inquiries last 6m: 2    
Screen name: renaissance154 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
Housing for Spring Semester
Purpose of loan:
I am a graduate student working on an MFA degree in journalism. I am freelancing as a journalist and receiving finanacial assistance from the school. Due?to projects that I had for school that I had to spend money to complete, I am short on funds and need an emergency loan to hold me over until my next financial aid is disbursed.

My financial situation:
I am a good candidate for this loan because?I am a hard worker who is self-reliant, but due to unforseen circumstances, I?am short on money and have to meet the cost of housing.

Monthly net income: $ 3,220
I average about $400 per month on freelance writing and fashion consulting work. I receive financial aid from my school, which equates to about $2,820 per month. My next disbursement isn't until February, and this is why I am experienceing a hardship currently.

Monthly expenses: $
??Housing: $ 607.50
??Insurance: $ 128
??Car expenses: $ 459.45
??Phone, cable, internet: $
??Food, entertainment: $ 150
??Credit cards and other loans: $ 48
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438877
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $82.08
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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-1987 Debt/Income ratio: 3%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:8y 5m
Amount delinquent: $0 Revolving credit balance: $2,522 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 57 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: foxy-commitment 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.
Description
Upgrade Kitchen!
Purpose of loan:? This loan will be used to turn my kitchen into a marketable improvement to my home.? Eventually, I will need to upsize and would like to make the kitchen and entertainment area more attractive and livable.?

My financial situation:? I have very stable employment and have minimal credit obligations. I am an excellent money manager and a good steward when spending money.?

Monthly net income: $ 4,604.17

Monthly expenses: $ 2,193.00
??Housing: $ 585
??Insurance: $ 70
??Car expenses: $ 450
??Utilities: $?283
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 290
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438883
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.20% - 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: 3 First credit line: Jan-1999 Debt/Income ratio: 42%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 11 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:7y 9m
Amount delinquent: $0 Revolving credit balance: $591 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: admirable-asset 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 credit cards
Purpose of loan:
This loan will be used to pay off all?credit cards?and to help me improve my credit.
My financial situation:
I am a good candidate for this loan because I'm very responsible?paying my bills on time.

Monthly net income: $ 1700

Monthly expenses: $
??Housing: $ 100
??Insurance: $ 192
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 160
??Food, entertainment: $?80
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 371
??Other expenses: $ 366
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438889
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $102.60
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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: Feb-1995 Debt/Income ratio: 2%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 0 / 0Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:25y 1m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Postal Service
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: principal-butterfly0 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 bills and moving
the reason for my loan is that i am trying to get moved out of the apartment complex that i am in, we are ate up with bed bugs and have found a more suitable apartment complex which costs alot less than what we are presently paying at the apartment we are at., we also need moving expenses, which we are trying to keep to a minimun since we have lost almost all of our furniture we also need new beds to replace the ones that we have now, i also have a few doctor bills that i need to pay off proving that i have been bit by bed bugs. i make 2,500.00 a month and most of my money goes to my expenses. i have been paying alimony to my ex-wife which is getting ready to end which does free more of my money up for my expenses. i also have references if needed. my apartment paying is presently 695. which is divided between myself, my mom and sister. i pay the electricity and cable and telephone. any help that i can get is greatly appreciated. thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438901
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: $14,560.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $527.84
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.25%  
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: Jun-1991 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 27Length of status:19y 3m
Amount delinquent: $4,686 Revolving credit balance: $6,722 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: upright-income0 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
pay off my credit cards
Purpose of loan:
This loan will be used to? pay off credit cards and have a merry xmas for my son

My financial situation:
I am a good candidate for this loan because?? I am in the military which means I have a steady job for the next 10 years

Monthly net income: $ 4386.00

Monthly expenses: $
??Housing: $ 1252.12 for mortgage on a house in Columbus, ga and 812.19 for rent at my current location in columbia, sc?
??Insurance: $ 176.00
??Car expenses: $ 670.00 car payment?and 60.00 for gas
??Utilities: $ 142.00
??Phone, cable, internet: $ 105.00
??Food, entertainment: $ 172.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 506 debt conselors incharge
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438907
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: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $123.12
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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-2005 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Not employed
Now delinquent: 0 Total credit lines: 6Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $4,361Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: reward-exec 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
Making an Independent Film
Purpose of loan:
This loan will be used to start my own independent film production company and commence production on my first full-length feature film. The movie is a romantic teen comedy, something along the lines of American Pie or Pretty in Pink. I already have actors and actresses, as well as an audience of about 10,000 that want to see the movie from having read the short story it is based on. I simply need funding for the equipment and other post-production expenses.

My financial situation:
I am a good candidate for this loan because I am a recent college graduate with a degree in business and the potential to make a starting salary of $40,000 in my trained career path. Also, do to the success of recent comedies at the box office, as well as the record-breaking?spending?on movie theaters this year alone,?if the film is in fact made and distributed out, there is a great potential for it recouping the three thousand dollars invested in it. Knowing the business and having been trained in business in general, I know that usually in economic downturns and times of unemployment like these, people generally take less vacations and spend more money on quick consumption entertainment such as movies, books, and videogames, which is why I believe that this is the perfect time for me to strike. At this point in time, I have been offered a $45,000 salaried job and would begin in the new year.

Monthly net income: $ 0

Monthly expenses: $ 970
??Housing: $ 600
??Insurance: $ 0
??Car expenses: $ 30
??Utilities: $ 0, included in housing
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $ 40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438913
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: 8.0%  
   
 
Starting lender yield: 22.70% Starting borrower rate/APR: 24.70% / 28.59% Starting monthly payment: $39.60
 
Auction yield range: 8.20% - 22.70% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
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-1978 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 15 / 9Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 40Length of status:25y 8m
Amount delinquent: $291 Revolving credit balance: $1,845 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: enthralling-deal0 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
Christmas
Purpose of loan:
This loan will be used to? Help pay for Christmas and also help with college?

My financial situation:
I am a good candidate for this loan because? I am trust worthy and I have a long employment history at Darby Bank

Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $?117.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50,000.00
??Other expenses: $ cell phone 126.00 month. food 300.00 gas 200.00 month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438925
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: $13,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.34% Starting borrower rate/APR: 32.34% / 34.75% Starting monthly payment: $603.66
 
Auction yield range: 11.20% - 31.34% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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-1998 Debt/Income ratio: 30%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $29,350 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: balance-kung-fu 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
Start a Business
Purpose of loan:
This loan will be used to open a?house to help homeless people get back on their feet.

My financial situation:
I am a good candidate for this loan because I have over $30 000.00 in Mutual Funds to cover my loan.

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 1400
??Insurance: $?149
??Car expenses: $ 250
??Utilities: $?119
??Phone, cable, internet: $?89
??Food, entertainment: $?500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 30000
??Other expenses: $ Church 5%
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438943
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: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $144.61
 
Auction yield range: 11.20% - 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: 6 First credit line: Aug-1997 Debt/Income ratio: 14%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:6y 2m
Amount delinquent: $0 Revolving credit balance: $4,834 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 106%Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Homeownership: No  
Inquiries last 6m: 0    
Screen name: nena31 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: 33 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
640-659 (Feb-2007)
 
Principal balance: $345.05 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Consolidating Credit Card Debt
Re-list

Hello everyone,

I'm looking for a loan of $4000 to pay off two high interest credit cards. Please note my accounts are current, under the credit limit and good standing. Due to the change in the economy my creditors have increased my interest rate from 10% to 25%. I'm currenly employeed full time Bank as a Loan Processor and have been in this line of work for the past seven years.

I opened a prosper account in 2007 and have been making my payments on time since. Since 2007 my credit score has improved approximately 20 points taking me into the 700's and I would like to continue to work at improving my rating. Please note my current prosper account will be fully paid off in two months. This loan will help me consolidate two of my high interest credit cards into one monthly payment. I intend to take the full 3 years to pay this loan off, so this will provide you with a steady stream of income and full interest for the term of the loan. I would be taking this money and immediately using it to consolidate my cards. I have a VERY low debt to income ratio.

In sum, I think I'm a good candidate for this loan because
1) I have the income to pay back
2) Low Debt to Income Ratio
3) I Understand the importance of making my credit better.
4) This interest rate is?TRIPLE what you can get at most banks for the same period in a CD or an online bank money market.
5) I have proven the ability to re-pay my current prosper loan.


Thank your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436754
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $226.05
 
Auction yield range: 11.20% - 20.00% Estimated loss impact: 10.48%  
Lender servicing fee: 1.00% Estimated return: 9.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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: Jan-1959 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 41 / 39Employment status:Self-employed
Now delinquent: 0 Total credit lines: 75Length of status:31y 3m
Amount delinquent: $0 Revolving credit balance: $86,309 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: Annwill 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
Replace broken heating/cooling unit
Purpose of loan:
This loan will be used to?replace the heating and cooling unit and repair non working lights and electrical plugs.?

My financial situation:
I am a good candidate for this loan because?I work very hard to pay my debts?

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 850
??Insurance: $
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437562
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.20% Starting borrower rate/APR: 12.20% / 14.33% Starting monthly payment: $832.75
 
Auction yield range: 11.20% - 11.20% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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-1993 Debt/Income ratio: 31%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $67,683 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dollar-doughnut4 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off my credit cards at ever-increasing interest rates.

My financial situation:
I am a good candidate for this loan because I have no instances of late payment in my credit history, I am an integral team member in my workplace which is expanding its business in 2010. I am dedicated to increasing my positive net worth, as I have taken on a roommate and?selling unnecessary items on eBay to supplement my six-figure income.?I volunteered for years at a local hospital and donate what I can to several charities every year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437750
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $318.39
 
Auction yield range: 8.20% - 29.00% Estimated loss impact: 7.20%  
Lender servicing fee: 1.00% Estimated return: 21.80%  
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-2006 Debt/Income ratio: 19%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $16,427 Occupation: Computer Programmer
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: 0    
Screen name: demon6 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
Consolidate Debts
Purpose of loan:
This loan will be used to consolidate debts by paying off high interest debts and credit card balances.

My financial situation:
I am a good candidate for this loan because I have a very good experience in the computer industry, a steady job and income. No dependents and other responsibilities. I have a very good payment history.

Monthly net income: $ 3200

Monthly expenses: $ 1350
??Housing: $ 400 (shared)
??Insurance: $ 100 (health)
??Car expenses: $ 180 (including insurance)?
??Utilities: $ 50
??Phone, cable, internet: $?20 (share with a room mate)
??Food, entertainment: $ 250
??Clothing, household expenses $?150
??Credit cards and other loans: $ 100
??Other expenses: $ 100
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Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437784
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: 13.05% Starting borrower rate/APR: 14.05% / 16.21% Starting monthly payment: $171.01
 
Auction yield range: 6.20% - 13.05% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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: Jun-1993 Debt/Income ratio: 50%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $17,203 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: kmf1072 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 27 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
780-799 (Jul-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
Credit card debt be gone at 20%
Purpose of loan:
To pay down credit card debt accumulated because of the death of a pet and a terrible housing market in Colorado.?

My financial situation:
My husband and I make over $190K a year with only 401ks to show for it.? I want to pay off my credit cards and? begin fresh with better budgeting and spending habits.?

Monthly net income: $ 9512
Monthly expenses: $5079
Housing: $ 2200
??Insurance: $?166
??Car expenses: $770
??Utilities: $135
??Phone, cable, internet: $ 115
??Food, entertainment: $?500
??Clothing, household expenses $?350
??Credit cards and other loans: $?843
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438210
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: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $371.64
 
Auction yield range: 17.20% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
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-2006 Debt/Income ratio: 15%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 20 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:6y 2m
Amount delinquent: $0 Revolving credit balance: $20,258 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: basis-seagull 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 for school
Purpose of loan:
This loan will be used to pay for my niece's tuition. She is a senior in High School. My sister is going through hard time this year and I want to help.

My financial situation:
I am a good candidate for this loan because my salary is increasing and I do not have dependents. I started working for CVS as a pharmacy tech. Two years ago, I became a full time pharmacist. Now I make much more than before and I have the job security. I am paying off my bills on time and my financial situation is improving.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438434
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 31.36% Starting monthly payment: $41.04
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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-1991 Debt/Income ratio: 8%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Retired
Now delinquent: 1 Total credit lines: 22Length of status:2y 2m
Amount delinquent: $412 Revolving credit balance: $1,244Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 42% 
Delinquencies in last 7y: 21 Homeownership: No  
Inquiries last 6m: 1    
Screen name: MOMac 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 60% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 2 ( 40% )  
600-619 (Apr-2008)
580-599 (Dec-2007)
620-639 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Pay for auto Transmission expenses.
Purpose of loan:
My 2001 Hyundai Tiburon, at 95,238 miles,?required a new transmission.? In October, 2009, the local Hyundai Service Manager refused to honor Hyundai's warranty, implying that an after-market part caused the transmission to fail.? I now have expert proof (pictures, the failed part, and an expert's report) that a Hyundai part caused transmission to fail.? I have engaged an attorney, who has demanded that Hyundai honor its warranty (October-November, 2009), but Hyundai has yet to respond.? It may be months before the problem is resolved, and Hyundai refunds me monies expended..
My financial situation:
(explain why you are a good candidate for paying back this loan)? All prior debts discharged in Bankruptcy in May 2004 (due to ID theft), ?except for CFNA/Firestone Card? (current).I have no current delinquencies: 2008 credit report shows as delinquent a debt discharged by Bankruptcy Court/Trustee and relevant party so notified that they?stand in contempt of KCMO Bankruptcy Court Discharge Order.? Auto Loan ($6,500) and prior Prosper($1,500) loans have been paid-off? (October-November, 2008).? All credit card debt is current (no delinquencies)..?I generally pay off credit card charges when statement is received. ?All insurance and utility bills are paid and current. I worked for Dept Homeland Security as CIS Applications Adjudication Officer (GS-07) until disability in August 2007.? One can not work for DHS with unresolved credit problems as any employee would fail a required? /security clearance/background check .?I passed in?February, 2006? I left DHS because of service-connected disability: exposure to Agent Orange?(2-tour Vietnam veteran) in August, 2006. ?I received a VA Disability Rating of 100% disabled in October, 2008,? My yearly VA benefit is $32,212 and my yearly SS Benefit is $13,212.00.?My medical expenses are covered by the VA.? ?Therefore, I have a provable?annual income of $45,288 (non-taxable)./provable

Monthly net income: $ 3,774.00

Monthly expenses:??? $ 2,674.00
? Housing: $?285
??Insurance: $?110
??Car expenses: $?175
??Utilities: $?300
??Phone, cable, internet: $?154
??Food, entertainment: $ 400
??Clothing, household expenses $?100
??Credit cards and other loans: $?400
??Other expenses: $ 250
? Charitable (disabled neighbor, fraternal and religious donations) 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438440
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $249.57
 
Auction yield range: 8.20% - 16.00% Estimated loss impact: 6.86%  
Lender servicing fee: 1.00% Estimated return: 9.14%  
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-1992 Debt/Income ratio: 50%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 19 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:12y 4m
Amount delinquent: $0 Revolving credit balance: $104,786 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: best-ready-dime 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
Pay off high interest credit cards!
Purpose of loan:
This loan will be used to?
pay off high interest credit cards.? Some of them are at 29.99%!?
My financial situation:
I am a good candidate for this loan because?
I always make my monthly payments but the balances are so high due to just getting married and going to the Bahamas for the honeymoon.? (Not complaining - it was worth every cent!)? I just need a lower interest rate so the balance decreases quicker.
Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 105
??Car expenses: $ 0
??Utilities: $ 20
??Phone, cable, internet: $ 131
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438446
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: $14,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 22.50% Starting borrower rate/APR: 23.50% / 25.78% Starting monthly payment: $565.08
 
Auction yield range: 17.20% - 22.50% Estimated loss impact: 35.78%  
Lender servicing fee: 1.00% Estimated return: -13.28%  
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: 1 First credit line: Apr-1980 Debt/Income ratio: 38%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 36Length of status:0y 9m
Amount delinquent: $8,743 Revolving credit balance: $1,741 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 102%Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: wise-entertaining-interest 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
Saving my mortgage. Gov won'thelp
Purpose of loan:
This loan will be used to catch up mortgage and other bills as I took out 15 yr loan after refinance and not being talked into a 30 yr fixed.? ?

My financial situation:
I am a good candidate for this loan because I will build my credit back after 4 months of hell.

Monthly net income: $ 7,500.00

Monthly expenses: $ 4,200.00
??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 438470
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.20% - 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-1994 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $427 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: skillful-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
Paying off co-signed debt
Purpose of loan:
This loan will be used to?pay off some debt that was incurred by cosigning for a family member. I have pretty much taken care of most of it. This loan would give me the chance to breath again and not be so stressed and of course continue to build my credit score.?

My financial situation:
I am a good candidate for this loan because?I work hard?in my Church and Job?community and today being responsible and of good character?i take very serious. I hope to get a?Higher credit rating and show that i?am credit worthy.?????????

Monthly net income: $
26000
Monthly expenses: $
??Housing: $ 750 Roomate (450.00)
??Insurance: $?108??????Car expenses: $ 345
??Utilities: $?50
??Phone, cable, internet: $?200
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $ 75
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438488
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: 17.20% - 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: Feb-1994 Debt/Income ratio: 31%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: jenngreenblue Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 93% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 1 ( 7% )  
640-659 (Sep-2008)
 
Principal balance: $2,533.70 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Catching up since I now have a job!
Purpose of loan:
I got a job (yay!) after ten months of unemployment (boo!) and I need to get caught up on those bills that piled up in the meantime. Like the pretty dresses for my kids who were involved in a wedding (see pic!).

My financial situation:
I am a good candidate for this loan because?I've pared down my life to a smaller apartment, fewer fancy groceries, paid off my car, and spend most of my money on the kids, and my poor-to-fair credit is a reflection of my first marriage and recent unemployment, not my current situation.

Monthly net income: $1900

Monthly expenses: $ 1600
??Housing: $ 500
??Insurance: $?150 ??
??Car expenses: $50 (for gas - the car is paid off)
??Utilities: $ 100
??Phone, cable, internet: $100
??Food, entertainment: $?150
??Clothing, household expenses $?50
??Credit cards and other loans: $ 300 (what I'm trying to consolidate)
??Other expenses: $ 300 (daycare)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438494
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $207.90
 
Auction yield range: 11.20% - 27.40% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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: 23%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $5,615 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: elevated-balance Borrower's state: Kansas 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
Newlywed getting organized
Purpose of loan:
This loan will be used to consolidate my unsecured debt and make my monthly outgoing payment to one source.? I plan to have this loan paid in less than 24 months.

My financial situation:
I am a good candidate for this loan because I work for a stable company and have very good credit payment history.

Monthly net income: $ 1,400

Monthly expenses: $ 950
??Insurance: $ 100
??Car expenses: $ 50
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438500
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: 17.20% - 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: Nov-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:7y 5m
Amount delinquent: $0 Revolving credit balance: $9,910 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: note-yoga 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
paying down bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438506
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: 28.50% Starting borrower rate/APR: 29.50% / 31.87% Starting monthly payment: $1,054.45
 
Auction yield range: 8.20% - 28.50% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 21.61%  
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: 4 First credit line: Feb-1973 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Dec-2009) Current / open credit lines: 9 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 22Length of status:31y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Attorney
Public records last 12m / 10y: 2/ 6 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: happy-contract358 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
Cash flow
Purpose of loan:
This loan will be used to? cover cash flow issues.

My financial situation:
I am a good candidate for this loan because?my business is sound.? I just need some cash flow relief.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438508
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: $9,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $388.20
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
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: 6 First credit line: Mar-1993 Debt/Income ratio: 37%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $25,777 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: sharp-gold9 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
Credit Card Consolidation
This loan will be used to pay off two credit cards. I currently pay 325 dollars a month to these two accounts and?I am?not really putting a dent in them. Seems crazy to me that my payments on here will not be much more for this loan but will be paid off in 3 years.


I am a good candidate for this loan because I always pay my bills on time. I have never missed a payment or had a late payment, something I am very proud of! My husband and I have almost 2,000 dollars left over each month after we pay all of our bills and both have very stable jobs (we are both teachers, plus my husband does extra work during the summers). We want to be debt free in the next few years and this would be a HUGE step in that direction for us!

Please do not hesitate to ask any questions that you have.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438518
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: 33.24% Starting borrower rate/APR: 34.24% / 36.96% Starting monthly payment: $67.21
 
Auction yield range: 17.20% - 33.24% Estimated loss impact: 19.96%  
Lender servicing fee: 1.00% Estimated return: 13.28%  
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: 5 First credit line: Oct-1984 Debt/Income ratio: 61%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 18 / 16Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 24Length of status:3y 6m
Amount delinquent: $161 Revolving credit balance: $14,845 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: nickel-cheetah2 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
Christmas
Purpose of loan:
This loan will be used to help with Christmas ?

My financial situation:
I am a good candidate for this loan because I pay my bills.?

Monthly net income: $ 1100.00

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438524
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
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: 6 First credit line: Mar-1996 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:2y 1m
Amount delinquent: $0 Revolving credit balance: $24,848 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: income-sensation2 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
Consolidate Medical Bills
Purpose of loan:
This loan will be used to?
Consolidate medical bills and other bills over a longer period of time.
My financial situation:
I am a good candidate for this loan because? I have a high income and few debts.

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438526
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.56% Starting borrower rate/APR: 25.56% / 27.87% Starting monthly payment: $200.28
 
Auction yield range: 11.20% - 24.56% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.95%  
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-2007 Debt/Income ratio: 13%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $2,276 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: 0    
Screen name: established-integrity5 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
Invest money in my education
Purpose of loan:
This loan will be used to get my lawyer degree frommy country

My financial situation:
I am a good candidate for this loan because I have a good job, not many debts.

Monthly net income: $ 2,200.

Monthly expenses: $
??Housing: $
??Insurance: $ 150.00
??Car expenses: $ 200.00
??Utilities: $?150.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438536
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.72% Starting monthly payment: $47.28
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
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: Aug-1998 Debt/Income ratio: 61%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 17 / 10Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 35Length of status:6y 4m
Amount delinquent: $0 Revolving credit balance: $9,119 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: truth-pole 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 payday loans
Purpose of loan:
This loan will be used to pay off my last payday loan.? My son needed medical items and to get the extra money I had to take out payday loans.? I?got stuck in the horrible cycle of needing more payday loans to pay off the interest each month.??In the end, I owed $5,000 in payday loans including interest?but I was?able to get the money to pay off ?$3,500 of the loans.? I still have one more payday loan for $1,500 including the interest that will be deducted at the end of the month.? I will use this money to pay off the last loan?so that I will finally be free of this problem.

My financial situation:
I am a good candidate for this loan because I have been with my job for over 6 years.? I have been working very hard to pay off all of my credit card debt by paying more than I owe each month.? I hope to do the same with this loan and have it paid off early.? These payday loans were taken out to help my family and this loan will give me financial stablity so I will be able to provide for my family again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438548
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.02% Starting borrower rate/APR: 28.02% / 32.00% Starting monthly payment: $41.37
 
Auction yield range: 11.20% - 27.02% Estimated loss impact: 10.67%  
Lender servicing fee: 1.00% Estimated return: 16.35%  
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: Jan-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 4 / 2Employment status:Self-employed
Now delinquent: 0 Total credit lines: 9Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $402 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: 1    
Screen name: burundijen Borrower's state: Colorado Borrower's group: Cornell University Alumni-cornellalumni
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
Peace Corps Response Volunteer
Purpose of loan:
This loan will be used to contribute to my monthly credit card payments and pay for storage for six months while serving as a Peace Corps Response Volunteer in Morocco.

My financial situation:
I am a good candidate for this loan because I have a proven record of paying off loans on time.

Monthly net income: $ variable

Monthly expenses: $ No monthly expenses other than my credit card. All other expenses are covered by Peace Corps.
??Housing: $ none
??Insurance: $ none
??Car expenses: $ none
??Utilities: $ none
??Phone, cable, internet: $ none
??Food, entertainment: $ none
??Clothing, household expenses $
??Credit cards and other loans: $ 208
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438582
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $184.68
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
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-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 20Length of status:13y 11m
Amount delinquent: $0 Revolving credit balance: $10,789 Occupation: Executive
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 68%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 Credit Card Off
Purpose of loan:
This loan will be used to? I use my credit cards(3 bank cards) to pay monthy expenses(I get air miles points) and I pay that down every month to 20% to 30% of the available limit. The remaining amount is due to moving expences from last year and this prosper loan will be used to pay that off in full.
Prosper uses Experian and it is the lowest of the 3 right now but is 686. The other 2 credit bureaus are 700+

I am a good candidate for this loan because? My credit has zero late payments, we pay all bills on time. Recently my bank cards decreased my available credit for no fault of mine. This took my available credit from 20,000 to now 10,000. This hurt my credit scores and ratio of debt.
I do have 2 blemishes on my credit please note that one is from 9 years ago, a BK due to hospital bills from an accident which?I have fully recovered from.
The other is/was a tax lien from 5 years ago but the IRS filed it without allowing me time to pay the debt that a new CPA found that was an error made by old CPA.
I paid the amount due right away but the IRS refuses to remove the notice from my credit. I do not have any current tax liability or debt.


Thannk you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438702
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: 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: $65.07
 
Auction yield range: 11.20% - 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: Oct-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 21Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $178 Occupation: Realtor
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 29%Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Homeownership: No  
Inquiries last 6m: 1    
Screen name: fantastic-kindness1 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
Pls Help Us Refinance Debt B4 Baby
Purpose of Loan:

This loan will be used to pay off an old?high interest (28%) credit card debt for my wife.??The?credit card company?is not willing to reduce our interest rate now and will only drop it 2% in March.? We have appealed several times, but they are not budging.? This debt?is the last high interest liability on our balance sheet.? Everything else is student loans, all under 7%.? We would really?like to refinance this debt at a lower rate before the birth of our first child on March 14, 2010.?

My Financial Situation:

I am a good candidate for this loan because my wife and I have been paying over $120/mo towards this debt consistently since we got married on August 17, 2009.? We have?actually?paid over $2000 towards this debt?since August 2009.? We will have no problem paying off this loan and look forward to the opportunity to pay off this debt?at a lower rate before the birth of our first child in March 2010.? She?has been a?Full-Time Make-Up Artist with?a very well-known cosmetic line since April 2008.? She makes an annual base salary of $49,920 as well as 3% commission on gross sales. I have been a Full-Time Real Estate Agent with a reputable real estate company since July 2009.? I make an average of $3600 gross monthly income doing primarily?mid to high-end apartment leasing throughout Manhattan.

Monthly Net Income: $ 5000 (Combined Income of My Wife and Myself)

Monthly Expenses: $?5000

??Housing: $ 1100
??Insurance: $?110
??Car expenses: $?300
??Utilities: $ 100
??Home phone, cable, internet: $ 140
??Food, entertainment: $?800
??Clothing, household expenses $?400
??Credit cards and other loans: $?750
??Other expenses:
? Cell Phones: $ 200?
? Savings: $550
??Charitable Donations: $550

EXPLANATION OF PUBLIC RECORD:?

In May of 2007,?I?filed a personal Chapter?7 Bankruptcy.? I?file because I had racked up over 40K in Personal Credit Card Debt?financing?my small business.? I was young, had?dreams of huge success and did not properly manage my finances.? I should have kept personal and business funds?separate.??My business?served?schools and non-profit organizations with Event Production and Arts-Based Educational Workshop services.? I believed in the work I did and enjoyed it very much so I?charged whatever was necessary to keep it going as long as it could.??My partners and I dissolved the business in late 2006 because?we each held?different visions for the future of the business.? I personally believe that?I kept it?going as long as I was supposed to because I actually met my beautiful?wife at the last event?I produced.?Everything does?happen for a reason and thank God for that! :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438714
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.51% Starting borrower rate/APR: 10.51% / 12.62% Starting monthly payment: $325.07
 
Auction yield range: 4.20% - 9.51% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.38%  
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: 8 First credit line: Oct-1990 Debt/Income ratio: 23%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $81,003 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: thrilling-interest7 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Smart business loan
Purpose of loan:
This loan will be used to? Secure my equity position in a company I help run and make successful. I've recently started my third business and need some cash to maintain my equity position in that company

My financial situation:
I am a good candidate for this loan because? I've never been late on a loan payment and have always paid down the dept. I have a good income which can support monthly payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438726
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: 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: $180.94
 
Auction yield range: 17.20% - 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-2006 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $2,105 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: trustworthy-loan Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for College(1 semester left)
Purpose of loan:
This loan will be used to? pay for the rest of my college.? I have one semester left and need a little extra cash to finish.? I will graduate with a degree in Economics, Finance and Management

My financial situation:
I am a good candidate for this loan because?? I am smart with money(as I should be since I am getting a degree in Economics and Finance)? :)? I have always payed my bills on time.?

Monthly net income: $ 3,000.00

Monthly expenses: $
??Housing: $ 200
??Insurance: $
??Car expenses: $
??Utilities: $?100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438732
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: 17.20% - 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: Nov-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Dec-2009) Current / open credit lines: 10 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 13Length of status:6y 0m
Amount delinquent: $0 Revolving credit balance: $39 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: commitment-buddy3 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
Purchase inventory and material

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438738
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: $2,575.00 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: $116.48
 
Auction yield range: 17.20% - 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-1999 Debt/Income ratio: 6%
Credit score: 660-679 (Nov-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 5 Total credit lines: 23Length of status:3y 1m
Amount delinquent: $17,593 Revolving credit balance: $467 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$75,000-$99,999
Delinquencies in last 7y: 28 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: home-saver 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
Fix and Learn
Purpose of loan:
This loan will be used to pay?do some repairs around the house. This will help?getting that started.?The other proceeds of this loan will be used for Continuing Education for self improvement.

My financial situation:
I am employed Full Time?in Information Technology.?I was just approved for a car at 5.7% with my Fico score pulled listed as?724. If given the chance, I will also make sure this loan is paid in full.

Monthly net income: $
$96,500

Monthly expenses: $
??Housing: $ 938
??Insurance: $ 170
??Car expenses: $?320
??Utilities: $?275
??Phone, cable, internet: $?250
??Food, entertainment: $ 175
??Clothing, household expenses $?125
??Credit cards and other loans: $ 80
??Other expenses: $

Income Verification:?

Go to:? https://groupone.ivrnetwork.com/
Just request my Pin for verification.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438750
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $319.86
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.28%  
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: Sep-1993 Debt/Income ratio: 20%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:14y 9m
Amount delinquent: $0 Revolving credit balance: $71,469 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: deal-chemistry6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credits
Purpose of loan:
This loan will be used to consolidation my existing credit card debts into one loan so I am able to make one payment versus multiple payments therefore enabling me to pay off the debt sooner.? This will allow me to get rid of the smaller credit cards with balances and focus my extra money on the larger ones since I will have less payments to make.
My financial situation:
I am a good candidate for this loan because I have had good credit in the past.? I have gotten catch in the credit card trap and am willing to pay the debts off versus restructuring.? I am taking responsibility for my actions not blaming someone else.? My debt is $99K on my residence, $23K on a HELOC, and $35K in credit cards.? I bring home approximately $4200 a month and my monthly expenses including the credit card payments that I am look to consolidate is $3100.? My residence is worth approximately $133K.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438756
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 32.57% Starting borrower rate/APR: 33.57% / 36.00% Starting monthly payment: $222.15
 
Auction yield range: 11.20% - 32.57% Estimated loss impact: 10.83%  
Lender servicing fee: 1.00% Estimated return: 21.74%  
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: 33%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 36Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $17,028 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Loyal-Trustworthy-Freind 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
Seasonal Expansion
I am seeking this loan to help cover my?additional seasonal payroll costs. During the high travel months of December thru April. I incur additional payroll expenses which I have to cover.
By getting this loan, I would be able to hire & pay the additional employees I bring on during this period.?I am financially secure and am able to payback this loan during and after the seasonal period.?My personal net monthly income is right at the $4,300 a month range, with combined household income netting close to $6,800 each month and personal monthly expenses as follows:??Housing: $ 1,700
??Insurance: $ 54
??Car expenses: $ 650
??Utilities: $225
??Phone, cable, internet: $135
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $360I appreciate your consideration and look forward to receiving your loan offer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438774
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: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $130.66
 
Auction yield range: 11.20% - 31.00% Estimated loss impact: 10.78%  
Lender servicing fee: 1.00% Estimated return: 20.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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: Dec-2004 Debt/Income ratio: 21%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $3,773 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 6    
Screen name: moola-gusto 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
Wedding
Purpose of loan:
The purpose of this loan is to help pay for my wedding.

My financial situation:
I am a good candidate for this loan because I have a dependable job as a registered nurse. There is always available overtime if necessary. I am very aware of my credit score and finances and am vigilant to keep them in good standing for present and future investments.

Monthly net income: $ 3200

Monthly expenses: $ 2000
??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 438786
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 22.99% Starting borrower rate/APR: 23.99% / 26.28% Starting monthly payment: $70.61
 
Auction yield range: 17.20% - 22.99% Estimated loss impact: 26.31%  
Lender servicing fee: 1.00% Estimated return: -3.32%  
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-1985 Debt/Income ratio: 5%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 9 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 48Length of status:17y 9m
Amount delinquent: $3,387 Revolving credit balance: $573 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 57%Stated income:$100,000+
Delinquencies in last 7y: 35 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: coin-harbor6 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
The Kids are Coming!!!
Purpose of loan:? Recenty divorced, new home, and making it a home for kids! New furniture, beds, lots of paint! Just need a little extra funds to complete their bedrooms, so it's a home for them.

My financial situation: Excellent.? have a lot of integrity and commitment; I've gone through divorce, took my lumps, and am rebuilding. I am committed to creditors, I'm a business and real estate attorney, and deeply understand the relationships between lender and borrower.?? I budget, and am only asking for a relatively nominal amount to "test the waters" with Prosper, to see how it works, and to be sure I'm comfortable with repayment schedule.

Monthly net income: $ 12,000

Monthly expenses: $ 4,425
??Housing: $ 2200
??Insurance: $?225
??Car expenses: $ 325
??Utilities: $ 200
??Phone, cable, internet: $?175
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $?200
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438804
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: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.20% - 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: Aug-1991 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Not employed
Now delinquent: 0 Total credit lines: 29Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $14Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4% 
Delinquencies in last 7y: 16 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: interest-point 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
Start up funds
Purpose of loan:
This loan will be used to?create a business plan, hire professionals, obtain training and coaching, pay franchise fees and other pre-startup needs?for a very successful men's haircut franchise that I'm trying to open in the DC Metro area.

My financial situation:
I am a good candidate for this loan because the reason my credit score isn't higher is because although I am debt free except for my home?I?didn't know at the time not to cancel my cards which is keeping my score lower than it should be.? Also?the delinquencies listed are 6 years old and not entirely accurate.? Eight of the delinquencies are actually for only?one student loan.? The loan consisted of?8 smaller loans from each semester in college, but only one payment was actual delinquent but is listed?8 times.

Also although I'm currently listed as unemployed, I should be starting a new job in the next week or two paying $85K once my security clearances are approved.

If you have any other questions, please feel free to ask.? Thanks for your consideration and help!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438820
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: $2,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 20.95% Starting borrower rate/APR: 21.95% / 24.21% Starting monthly payment: $106.86
 
Auction yield range: 8.20% - 20.95% Estimated loss impact: 7.49%  
Lender servicing fee: 1.00% Estimated return: 13.46%  
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: Dec-1991 Debt/Income ratio: 19%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: demon9 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
Buying a used pick up truck.
Purpose of loan:
This loan will be used to? buy used pick-up.? Not looking to get a new fancy truck, just a beater:).

My financial situation:
I am a good candidate for this loan because I will make payments on time, without excuses.

My income and limited length of time in my new job can be explained by my recent retirement after 20 years in the Navy.? I receive a pension plus a salary for my current job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438822
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
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: Mar-1987 Debt/Income ratio: 30%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 31Length of status:12y 0m
Amount delinquent: $0 Revolving credit balance: $2,013 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: skow1948 Borrower's state: Illinois Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
560-579 (Dec-2007)
560-579 (Nov-2007)
580-599 (Nov-2006)
580-599 (Oct-2006)
 
Principal balance: $725.06 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
starting fresh
Purpose of loan:
the purpose of the loan is to give my daughter the wonderful wedding she so richly deserves.? she has been saving for over a year and i would like to help reach her goal. she has a new man in her life and wants to be with him forever.? it would be? may dream to help both of them have a wonderful wedding

My financial situation:
I am a good candidate for this loan because i pay my bills on time and have never been late with prosper. also i work a second job?as security for a local park district.?

Monthly net income: $ 4520
Monthly expenses: $
??Housing: $ 830
??Insurance: $?52
??Car expenses: $ 353
??Utilities: $ 101
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $ 0

? totals $2375

? as you can see i will be able to pay back the loan and help my daughter have a wonderful wedding.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438828
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: 8.0%  
   
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 27.57% Starting monthly payment: $39.08
 
Auction yield range: 8.20% - 22.70% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
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-1992 Debt/Income ratio: 35%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 62Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $21,564 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 62%Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: treasure-contributor8 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 car
Purpose of loan:
This loan will be used to pay off vehicle. I still owe around 2300 and my payments are 178 a month. With this loan and a bonus i received in January my car will be paid off.

My financial situation:
I am a good candidate for this loan because I am a pharmacy technician, i make?close to 15hr and work 80 hours a week. Thanks for your time. Any questions please feel free to ask.

Monthly net income: $ 2200????

Monthly expenses: $ 1453
??Housing: $?650
??Insurance: $?husband pays
??Car expenses: $178
??Utilities: $ 140
??Phone, cable, internet: $ 135????
??Food, entertainment: $?husband pays
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438832
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: 17.20% - 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: Feb-1993 Debt/Income ratio: 17%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 13 / 14Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 21Length of status:9y 8m
Amount delinquent: $7,378 Revolving credit balance: $5,879 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 85%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: Laura3232 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: 1 / 2 On-time: 36 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
540-559 (Jan-2008)
540-559 (Dec-2007)
520-539 (Oct-2007)
540-559 (Oct-2006)
 
Principal balance: $435.01 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Third Prosper Loan - Never Late!
Hi everyone?- Just?a little bit of information about myself.? I am a single mother with a daughter.? I have a good job which I have worked at for 10 years this April? My credit score is inaccurate and I believe is low due to the fact that I?worked out a repayment plan of mortgage payments with my mortgage company and that arrangement is not reflected on my credit score.? I am current with?all of my credit card debts?and loans.??I am interested in consolidating my debt to a lower interest rate.? I am now sharing expenses with my boyfriend so my disposable income each month has increased and I plan to be completely debt free within one year, I would just like to do it without paying such high interest rates!? Please feel free to ask any questions.? This?would be my third?loan from Prosper and I have never been late with any payment.? I am paid through direct deposit and the payment for this loan would always be available in my account.? I can also provide any sort of documentation necessary.?

Here is some information regarding my gross net?income: Salary: $3,037.66?per month, car allowance $350.00 per month, Social Security: $532.00,?Net income?per month: $3,919.66.??I occasionally do side work, but I have not included that in my monthly net income as that varies each month.?I receive the social security payments for my daughter (which are also direct deposit) due to her father's death?five years ago.

I have utilized the highest interest rate that my state allows and I hope some of you are able to fund this loan.?

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438844
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: $1,400.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.77% Starting monthly payment: $52.80
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
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: 10 First credit line: Jun-1985 Debt/Income ratio: 26%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:26y 1m
Amount delinquent: $0 Revolving credit balance: $10,987 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: order-nucleus0 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
helping my college daughter
Purpose of loan:
This loan will be used to?help my college daughter get her car fixed

My financial situation:
I am a good candidate for this loan because? i never miss payments and i am never late. my credit rating was hurt when my credit card companies slashed my credit limits last year and made it appear i was maxing out my credit.

Monthly net income: $ 5050

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 438862
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: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $703.14
 
Auction yield range: 11.20% - 15.00% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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-1994 Debt/Income ratio: 27%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 15 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $40,668 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: relief6 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
Eliminating high interest debt
Purpose of loan:
This loan will be used to pay-off high interest credit card debt accumulated from the process of a divorce during?difficult years?while I was struggling to move from the role of a part-time home-maker/professional to a full-time professional able to fully support my child and myself.

My financial situation:
I am a good candidate for this loan because I have had a stable, executive - level career in the nonprofit sector for 11 years without any gaps in employment. I have consistently improved my financial situation moving my annual income from $35,000 in 2002 to $120,000+ at its current level with a recent upward move to a larger public institution. The only?barrier to my financial freedom has been?credit-card debt accumulated during my divorce that I have consistently paid regularly, unfortunately without being?able to circumnavigate the debilitating impact of the high interest.

Monthly net income: $ 6400

Monthly expenses: $
??Housing: $ 1660
??Insurance: $ 75
??Car expenses: $ 250
??Utilities: $ 250
??Phone, cable, internet: $?130??
???Food, entertainment: $ 600
??Clothing, household expenses $ 550
??Credit cards and other loans: $ 2200
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438886
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: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $94.29
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
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: Aug-1990 Debt/Income ratio: 32%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:17y 5m
Amount delinquent: $0 Revolving credit balance: $1,477 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: brawn4650 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
Completion of a 4 seasons room
Purpose of loan:
This loan will be used to complete the flooring and provide furnishings for a four seasons room that has been added on to the house.

My financial situation:
I am a good candidate for this loan because I will make on time monthly payments.?

Monthly net income: $ 4028.00

Monthly expenses: $
??Housing: $ 1054
??Insurance: $ 190
??Car expenses: $ 490
??Utilities: $ 218
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438892
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.20% - 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: Nov-1979 Debt/Income ratio: 20%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:8y 9m
Amount delinquent: $0 Revolving credit balance: $16,678 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$100,000+
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: cunning-payout7 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 some debt / conver expenses
Purpose of loan:
Pay off some debt and cover unexpected expenses including college (room and board) for son and the purchase of a car (used) because his stopped running. He will be out of school by?May 2010 and I will finally have some relieve.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438904
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $189.13
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
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: Mar-1995 Debt/Income ratio: 9%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $3,850 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: xpacs 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: 25 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
640-659 (Sep-2007)
 
Principal balance: $363.18 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Online media expansion for business
Purpose of loan:
I am using this loan to assist our business with our new online media marketing campaign for a new service we just created.

My financial situation:
I am a good candidate because I have money from my company to pay the loan back immediately.? I own a 36% stake in a company that had revenues of $225K last year (2008). If I needed to I could liquidate my stock for cash.? I do not want to do that however.? Additionally, I have one loan through Prosper that I have never missed a payment on, which is almost at it's conclusion.

Monthly net income: $ 60,000 (I take a draw from my company and wait tables at a fine dining restaurant as well)

Monthly expenses: $ 3,325
??Housing: $ 1000
??Insurance: $ 75 (medical)
??Car expenses: $ 300
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0 (I have one outstanding loan that I am?disputing due to unethical practices?by the company;?ALL other loans in the past years have been?paid off)
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438910
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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.20% - 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: 3 First credit line: Jan-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Self-employed
Now delinquent: 7 Total credit lines: 32Length of status:2y 2m
Amount delinquent: $891 Revolving credit balance: $0 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 0    
Screen name: useful-loan7 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
Quick Christmas Money
Purpose of loan:
This loan will be used to?buy christmas gifts for my 3 kids and wife.

My financial situation:
I am a good candidate for this loan because?I have a tax return that will be here by DEC 30, 2009 that is 4x the request, which will be used to payoff this loan.

Monthly net income: $ 4000

Monthly expenses: $?3500
??Housing: $ 1500
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $?450
??Phone, cable, internet: $ 110
??Food, entertainment: $ 500
??Clothing, household expenses $ 0
??Credit cards and other loans: $?50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438916
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: $7,300.00 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: $330.22
 
Auction yield range: 17.20% - 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: 3 First credit line: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 620-639 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $7,154 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: NicOCjoe 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: 0 / 1 On-time: 12 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,975.00< mo. late: 0 ( 0% )  
600-619 (Sep-2009)
600-619 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
Basic Transportation
Purpose of loan:
For the Purchase of a used vehicle.

My financial situation:
A great Candidate: No Late Payments, Paid off Previous Prosper Loan satisfactorily in less than 1 year.

Monthly net income: $ 5300 / month Gross. . . $4,500 net.

Monthly expenses: $?
??Housing:???????????$?1,000 / month
??Life Insurance:?? $?12.50 / month (billed $150 / year)
??Car expenses:?? $???0?- None Yet
??Utilities:???????????? $??25 / month
??Cell Phone:????????$? 35 / month?
??Food:?????????????????$ 300 / month
??Clothing, household expenses $ 100 / month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438928
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: 17.20% - 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: Sep-1976 Debt/Income ratio: 58%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 11 / 12Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 38Length of status:6y 2m
Amount delinquent: $3,417 Revolving credit balance: $52,686 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: glo314 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Equipment purchase
Purpose of loan:
This loan will be used to? purchase new computer equipment, fax, photocopier

My financial situation:
I am a good candidate for this loan because I am honest, trustworthy and have never defaulted on a debt????????

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 250????
??Car expenses: $ 350
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 75
??Credit cards and other loans: $
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438934
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: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $628.59
 
Auction yield range: 17.20% - 28.00% Estimated loss impact: 19.63%  
Lender servicing fee: 1.00% Estimated return: 8.37%  
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: Feb-2001 Debt/Income ratio: 69%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 47Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $47,109 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: efficient-wampum8 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
Updating Tanning Salon Equipment
Purpose of loan:
This loan will be used to?

Partially fund the installation of new tanning beds in our tanning salon. The new beds will help double tanning sales and bring our salon up to date with state of the art tanning equipment. This loan will be a portion of the funds used, with other money coming from personal savings and a private investor.

Anyone who would like to see a business plan I have one outlining our intentions. Also, if you would like to come visit our shop and personally see what we are doing feel free to do so. I would personally give you a tour and explanation of our plan but am unable to do so on this site. I think anyone who came through our salon would be pleasantly surprised with our establishment.

I graduated from USU one year ago with a degree in Business Administration and a second in Entrepreneurship. I am currently living my dream with my wife; she does hair in our tanning and hair salon. In addition we both work together to keep our salon on top of the competition through aggressive advertising and top notch products and services

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

I have never defaulted on a loan. I am true to my word and have always followed through. With my wife?s income combined with mine we will have the ability to more than cover this loan. My only fair credit rating is due to the unconventional financing of our business with personal credit, leaving myself more integrated and motivated to succeed. Our business is operational and successful and will continue to be so; your help will only accelerate our success.

Thank You in advance.

Monthly net income: $ 26,000
(This is only my personal income from by full time job outside the salon. Our salon currently does an average of $15,000/month, the first five months of the year being our busiest. I currently work full time at our salon and also full time as a food service manager at a local restaurant in town.)

Monthly expenses: $ 1,625
Housing: $ 625
Insurance: $230
Car expenses: $ 0
Utilities: $ 150
Phone, cable, internet: $120
Food, entertainment: $ 100
Clothing, household expenses $100
Credit cards and other loans: $ 200
(This amount includes all personal debts that I am currently paying with my salary.)
(All other debts on my personal rating are business debts paid by our salon, but financed with personal credit.)
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438940
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $693.31
 
Auction yield range: 8.20% - 14.00% Estimated loss impact: 8.81%  
Lender servicing fee: 1.00% Estimated return: 5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented 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-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Dec-2009) Current / open credit lines: 10 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 15Length of status:10y 0m
Amount delinquent: $0 Revolving credit balance: $11,249 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: ore-battalion7 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
Debt consolidation
Purpose of loan:
This loan will be used to? consolidate debt.

My financial situation:
I am a good candidate for this loan because?Today, December 17, is my birthday and I got some good news that I'll be starting a new consulting job next week doing some data analysis until at least June. Since things are looking up, I thought this would be a perfect opportunity to be proactive and start 2010 off with some wise financial planning. Consolidate debt and pay it off are the goals for 2010.

Thank you for considering my situation. Happy Holidays and may 2010 be filled with health and happiness.
Information in the Description is not verified.