Listing Report:Supplement No. 131 dated Dec 28, 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 416768
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: $3,700.00 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: $116.63
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: May-1997 Debt/Income ratio: 21%
Credit score: 760-779 (Nov-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:15y 3m
Amount delinquent: $0 Revolving credit balance: $10,219 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: letsdeal101 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 2 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
660-679 (Jul-2007)
680-699 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Consolidation of three credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 6500.00

Monthly expenses: $
??Housing: $ 1193.00
??Insurance: $ 142.00
??Car expenses: $ 594.94
??Utilities: $? 325.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 650.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 419948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $346.65
 
Auction yield range: 11.20% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: May-1986 Debt/Income ratio: 16%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $338,333 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: bridge3 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
Reduction of Debt Service Charges
I have an excellent credit history with no missed payments and an excellent credit score. Since the capital market has been frozen for the past 18+ months I have provided working capital to my company to fund the growth in my business, which has been growing at 40%+ a year. I intend to use the loan proceeds for debt consolidation, reduce debt service charges and have more working capital available for the growth in 2010.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 424630
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $255.14
 
Auction yield range: 8.20% - 8.20% Estimated loss impact: 7.16%  
Lender servicing fee: 1.00% Estimated return: 1.04%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Dec-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $667 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: graydet 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: 23 ( 82% ) 760-779 (Latest)
Principal borrowed: $10,000.00< mo. late: 5 ( 18% )  
740-759 (May-2009)
520-539 (Jul-2007)
 
Principal balance: $2,373.72 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Continue Business Growth
REFI
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 433754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $274.92
 
Auction yield range: 17.20% - 18.00% Estimated loss impact: 26.00%  
Lender servicing fee: 1.00% Estimated return: -8.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Oct-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 19 / 16Employment status:Self-employed
Now delinquent: 1 Total credit lines: 32Length of status:6y 10m
Amount delinquent: $41 Revolving credit balance: $397,032 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$100,000+
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: the-shaker825 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
Equipment Financing
Purpose of loan:
This loan will be used to buy equipment for a new surgery center.??small business loan are not available?due to the current financial markets?

My financial situation:
I am a good candidate for this loan because our volume is increasing month to month?with steady?increasing income?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 28.51% Starting borrower rate/APR: 29.51% / 31.88% Starting monthly payment: $316.38
 
Auction yield range: 17.20% - 28.51% Estimated loss impact: 20.66%  
Lender servicing fee: 1.00% Estimated return: 7.85%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1977 Debt/Income ratio: 13%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $1,095 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$75,000-$99,999
Delinquencies in last 7y: 22 Homeownership: No  
Inquiries last 6m: 0    
Screen name: 3bcoach 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
620-639 (Jun-2008)
 
Principal balance: $4,149.66 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
home improvement
Purpose of loan:
This loan will be used to? home impro.

My financial situation:
I am a good candidate for this loan because? My finances are in much better shape now - making the monthly
payment should not be a problem

Monthly net income: $ 4500

Monthly expenses: $ 2600
??Housing: $ 1900
??Insurance: $ 110
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet$0
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 438834
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: 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: $904.72
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: May-1997 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $17,960 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: funds-stronghold Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
720-739 (Aug-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
2nd Prosper Loan - House Flip
This loan will be used to complete repairs on a property I am purchasing?that I will be flipping. I am paying cash for the house ($7,000, it?is?a foreclosure property) and have estimated repairs at $15,500 dollars. The house comps out at $55,000. - 65,000 dollars based on similar houses that have sold recently in the area and that are currently listed. The repairs that are going to be done will enable us to list the house at the top of that range but I will more than likely list it at $57,000.00 for a quick sale. Up front that gives me a potential profit of approximately 34,000 dollars! I have asked for 20,000 dollars in loans to cover any unexpected repairs that might come up (we all know Murphy's law!). The houses in that neighborhood have been selling in within 90 days of listing. The housing market in the Dallas, TX metroplex has not suffered like most areas!

In the event it does not sell quickly I will lease the home to provide monthly cash flow.

My wife and I have the disposable income each month to service this loan without any problems so I am a very good candidate for this reason. I will also be using Prosper in the future as well for funding more property flips so my rating is extremely important to me. This loan will be paid off early because of the high interest rate that I feel I need to list it at currently. Therefore, I will definitely take care of my obligations here to ensure a high Prosper rating in the future so I can borrow at lower rates.

Please feel free to contact me with any questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439550
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: 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: $301.94
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Mar-1996 Debt/Income ratio: 34%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:13y 6m
Amount delinquent: $0 Revolving credit balance: $3,007 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: first-special-capital 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 to have one payment
Purpose of loan:
This loan will be used to?pay off? debt to have one payment.

My financial situation:
I am a good candidate for this loan because?I pay everything on time and pay extra for each payment. I'm very reliable and responsible and make no mistake my finances are very important to me. I make it a priority to make sure all finances are up to date each and every week. My credit score means everything to me and I make sure it remains excellent shape.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439582
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Sep-1986 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Retired
Now delinquent: 2 Total credit lines: 6Length of status:11y 7m
Amount delinquent: $166 Revolving credit balance: $163Stated income:$100,000+
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 12    
Screen name: wealth-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
Home Improvement
Purpose of loan:
This loan will be used to Remodel Home

My financial situation:
I am a good candidate for this loan because have strong financials - my money is locked in cd's and not accessible for 2 years.? at any time I could pay this loan offif I was in trouble

Monthly net income: $ 9500 ???? ????

Monthly expenses: $ 1200 ????
??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 439624
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: 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: $315.68
 
Auction yield range: 3.20% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jan-2002 Debt/Income ratio: 9%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $979 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 3%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: momentous-platinum 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
Working Capital for Spouse
Purpose of loan:
This loan will be used to fund a dance company my spouse would like to start.

My financial situation:
I am a good candidate for this loan because I have a full-time job as a CPA with a government entity which provides steady reliable income. Further, my wife's business is a very low cost business with only a studio rental fee of approximately $20/hour with little to no extra variable costs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439666
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $183.28
 
Auction yield range: 14.20% - 18.00% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: 3.21%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-1981 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 13 / 12Employment status:Self-employed
Now delinquent: 0 Total credit lines: 32Length of status:6y 1m
Amount delinquent: $0 Revolving credit balance: $173,341 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: order-wicket6 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $1020
??Insurance: $225
??Car expenses: $285
??Utilities: $300
??Phone, cable, internet: $125
??Food, entertainment: $500
??Clothing, household expenses $
??Credit cards and other loans: $ will paid off high interest rate card
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: 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: $383.83
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.28%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1999 Debt/Income ratio: 17%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $135,204 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: golden-wealth 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
Experienced House Flipper
Purpose of loan:
This loan will be used?for the fix up costs of a house that I will be fixing up and reselling.? I purchased it for 75k and need about 12k for fix up .? The property will sell for 125k.? ? I have successfully flipped 3 houses.? I need the cash to fix up the property.? I have the closing on January 11th.? I've never missed a payment on anything.? I've paid back 3 mortgages already.? I just paid of my car loan this month.? I owed bank of america 23k on a credit card from my last flip, which I just paid off this month as well.? I'll be 29 years old next week.? I'm a hungry investor with huge ambitions.? I will not let you down.?Thanks for your consideration.?

My financial situation:
I am a good candidate for this loan because my credit score is excellent and over 780.? My income level is 131k.? I worked at a company for 5 years and recently switched to the competitor for more money.? If you look at my credit history, i've never missed or been late on a payment.? I own three homes.? I rent out two and live in one.? I think my payment history on my credit score will speak for itself.? Thanks again for the consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439692
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: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jun-1993 Debt/Income ratio: 16%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 26Length of status:1y 6m
Amount delinquent: $673 Revolving credit balance: $343 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$100,000+
Delinquencies in last 7y: 29 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: special-treasure4 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, MEDICAL SUPPLIES
Purpose of loan:
This loan will be used to? SUPPORT MY MEDICAL SUPPLIES INVENTORY

My financial situation:
I am a good candidate for this loan because? BUSINESS IS STEADY AND PROMISING

Monthly net income: $ 7000????

Monthly expenses: $ 3700
??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 439698
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1997 Debt/Income ratio: 86%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 37Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $29,792 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: quark524 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 card
Purpose of loan:
This loan will be used to?
Would like to pay off a credit card.
My financial situation:
I am a good candidate for this loan because?

Monthly net income: $
1,300
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 293.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 270.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439718
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1998 Debt/Income ratio: 27%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $1,419 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 36 Homeownership: No  
Inquiries last 6m: 1    
Screen name: penny-balance 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
engagement ring
Purpose of loan:
This loan will be used to? finance a engagement ring

My financial situation:
I am a good candidate for this loan because? I am trying to move on with my life.? Very hard to do so without help.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 50
??Car expenses: $ 300
??Utilities: $50?
??Phone, cable, internet: $ 75
??Food, entertainment: $ 100
??Clothing, household expenses $75
??Credit cards and other loans: $ 300
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439722
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.10% Starting borrower rate/APR: 21.10% / 23.35% Starting monthly payment: $113.18
 
Auction yield range: 8.20% - 20.10% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.13%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1989 Debt/Income ratio: 12%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:7y 8m
Amount delinquent: $0 Revolving credit balance: $11,796 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 35%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 5    
Screen name: investment-force2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan: To pay off other debts with high interest rates. I am a Senior Engineer working for a world renown organization. I'm making over $100K per year. I have been hit by financial burdens from my family members oversea, which subsequently has reduced my ability to maintain a credit record in recent years. I'm looking to get some loans with relatively low interest rates so I can make more progress in lowering my debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439726
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 21.50% Starting borrower rate/APR: 22.50% / 24.77% Starting monthly payment: $307.60
 
Auction yield range: 8.20% - 21.50% Estimated loss impact: 9.01%  
Lender servicing fee: 1.00% Estimated return: 12.49%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-2001 Debt/Income ratio: 113%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $995 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: loot-maple 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
Paying off my car payment
Purpose of loan:
To pay off my car payment

My financial situation:
I am a good candidate for this loan because I am working full time with an income of about $1700/month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439732
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 22.14% Starting borrower rate/APR: 23.14% / 25.42% Starting monthly payment: $135.74
 
Auction yield range: 8.20% - 22.14% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 15.12%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Feb-1985 Debt/Income ratio: 36%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 30 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 64Length of status:23y 11m
Amount delinquent: $0 Revolving credit balance: $238,962 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: hfpinc Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
660-679 (Nov-2009)
660-679 (Aug-2009)
660-679 (Jul-2009)
660-679 (May-2008)
 
Principal balance: $3,959.39 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
New Kitchen counter tops
Purpose of loan:
This loan will be used to? Kitchen upgrade.

My financial situation:
I am a good candidate for this loan because? although I have high credit utilization I would be a good candidate?because I manage my debt very well. I am also looking at a possible pay increase in the coming year which would provide additional income to pay down debt.

Monthly net income: $
12000.00
Monthly expenses: $
??Housing: $ 4000.00
??Insurance: $ 300.00
??Car expenses: $ 340.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 1500.00
??Clothing, household expenses $
??Credit cards and other loans: $2000.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439734
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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.05% Starting borrower rate/APR: 15.05% / 17.22% Starting monthly payment: $277.52
 
Auction yield range: 6.20% - 14.05% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-1987 Debt/Income ratio: 11%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $7,298 Occupation: Professional
Public records last 12m / 10y: 0/ 3 Bankcard utilization: 66%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: U504060 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
Payoff Credit Cards
Purpose of loan:
Payoff high interest rate credit cards.

My financial situation:
Generally, I don't carry credit card debt.? I usually pay them off at the end of each month.? I went through a period where I was working as a contractor and had to move back and forth from Michigan to New York.? I ran up some moving bills and also, did not have health insurance during this period.? Unfortunately, I ended up having to pay an emergency room bill of $5,000.? The good news is that my hard work has paid off as a contractor, and the company I have been working for over the past 3 years has hired me on permanently.? So, I have the health benefits now, and very stable employment with a very stable company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439736
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
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.

WE'RE NOT GIVING UP.? THIS IS OUR FIFTH LISTING AND ARE SURE THAT THIS IS THE WAY TO GET OUR LIFE BACK ON TRACK. YOUR INVESTMENT WILL BE WORTH YOUR TIME.
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 439738
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: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $260.15
 
Auction yield range: 17.20% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Oct-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: 12Length of status:1y 3m
Amount delinquent: $0 Revolving credit balance: $48 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 5    
Screen name: value-twister Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Loan- Pay for college
Purpose of loan:
This loan will be used to?I have a loan that is needed to pay off of a lesser amount. Also, I?have a two year degree from College in Sports and Events Management, but due to the economic conditions and the job market, I?have recently decided to go back to school. Most of the money will be used for books and travel, as extra money to get me through college. I will continue to work as?a hockey official and?a substitute teacher while continuing my?my bachelors degree in Education.?

My financial situation:
I am a good candidate for this loan because?although I am only 21, I still have a very good credit score of 721, and have proven to make payments on time on everything loan or bill I have received.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Jan-2002 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $13,682 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 103%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: ideal-marketplace 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
pay off my credit card
Purpose of loan:
This loan will be used to? paying my credit card

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

Monthly net income: $
7000
Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 200
??Car expenses: $ 300
??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 439746
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: $1,100.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $33.54
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.55%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: May-1974 Debt/Income ratio: 10%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 15 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:23y 6m
Amount delinquent: $0 Revolving credit balance: $875 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: MsTabbyKats Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 90% ) 740-759 (Latest)
Principal borrowed: $4,000.00< mo. late: 1 ( 10% )  
740-759 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 10  
Description
Prosper Is Sending Me On A Cruise
I am a long time Prosper lender.

Purpose of loan:
I own a tax prep business.? As has become our custom, every year a few weeks after the tax season, I take my husband on a well deserved cruise. (He says my business stresses him out.)? This year probably won't be an exception, so I've already have the trip booked.? As the ultimate value shopper I get the least expensive cabin because it gets me to the same places and feeds me the same food as those who pay a lot more.? So, for the both of us....7 days of food, transportation and entertainment...it's about $1100.? Pretty good deal, I think!?? I'll be using the proceeds of this loan to pay for the cruise.

How will I pay this back?? My loan will be repaid with the money I receive from my Prosper loans.? I get about $100 a month, so this loan should be paid off in less than a year.

Why do I want a loan?? When I transfer my money out of Prosper it goes into my checking account, and gets mixed in with everything else and isn't allocated to anything specific? If I use those proceeds to pay off this loan I can happily say "Prosper sent me on a cruise" when people ask me about my P2P experience.

Why do I have one late payment on my last loan?? I was making weekly payments. One day my autopay was due on a day that I made a weekly payment....and somehow there was some kind of error with the autopay.? As soon as I noticed (about 1 minute after it posted) I called Prosper had straightened it out.

My financial situation:
Excellent

This interest rate is low.....but just like Bo Derek (I'm dating myself) I'm a 10..... so, the risk is as low as it gets!

Please ask questions if you want more information.


 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439748
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $258.80
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Apr-1994 Debt/Income ratio: 32%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:9y 3m
Amount delinquent: $0 Revolving credit balance: $4,317 Occupation: Other
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: 3    
Screen name: Hockeyref82 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: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
680-699 (Mar-2008)
 
Principal balance: $3,017.58 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying off my credit cards
Purpose of loan:
I want to pay off all my credit cards and cancel the majority and be able to pay just 1 place for all my bills every month.

My financial situation:
I am a good candidate for this loan because I am a hard worker and carry 2 jobs to help pay off all my debt as soon as I can

Monthly net income: $ 1,500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 115 ??? ??
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $ 85
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $584.20
 
Auction yield range: 4.20% - 9.40% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.27%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: May-2001 Debt/Income ratio: 24%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $9,661 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: brilliant-credit132 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
Pay off High Interest Loans
Purpose of loan:
This loan will be used to pay off high interest loans?

My financial situation:
I am a good candidate for this loan because we do have a good monthly income and some home equity.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439754
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Sep-1989 Debt/Income ratio: 70%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 18 / 15Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 44Length of status:0y 2m
Amount delinquent: $314 Revolving credit balance: $75,732 Occupation: Executive
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: 1    
Screen name: dedication-sniffer 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
Costs associated with selling home
Purpose of loan:
This loan will be used to help downsize our lifestyle as I shift from the banking world to the non-profit world.? We are selling our home, and will become renters, which will save us approx. $2100/month in expenses.? Loan funds will be used to help cover costs associated with the house closing

My financial situation:
I am a good candidate for this loan because I have stable employment, and?our?stabilized income level provides?significant excess cash flow?relative to our new expense level once our home is sold, which will allow us to quickly pay down the requested Prosper loan, as well as paydown other debt (cars, credit cards) at an accelerated pace

Monthly net income: $8750

Monthly expenses: $
??Housing: $1350
??Insurance: $150
??Car expenses: $1500
??Utilities: $200?
??Phone, cable, internet: $200
??Food, entertainment: $400
??Clothing, household expenses $250
??Credit cards and other loans: $1835?
??Other expenses: Approx. $750
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439756
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: 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: $75.43
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1973 Debt/Income ratio: 19%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 17 / 10Employment status:Retired
Now delinquent: 0 Total credit lines: 43Length of status:13y 11m
Amount delinquent: $0 Revolving credit balance: $7,402Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 78% 
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: mickeysz36 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: 20 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Apr-2008)
 
Principal balance: $2,510.07 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
dental work for wife
Purpose of loan:
Loan to be used to pay for wife's additional dental work
My financial situation:
I have an additional loan that is approximately half paid for.? I am current and never missed or was late on a payment.
Monthly net income: $5639

Monthly expenses: $4656?
??Housing: $2421
??Insurance: $650
??Car expenses: $70
??Utilities: $90
??Phone, cable, internet: $187
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $560
??Other expenses: $350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439760
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: 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: $113.09
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Apr-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2009) Current / open credit lines: 4 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 8Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $75 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: _Astral Borrower's state: Georgia Borrower's group: Geek Power!
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
Money for last college classes
Purpose of loan:
I need this loan to help me cover school and living expenses while I finish the last classes required for my BS in Information Technology. Consulting part time during this period but its intermittent and really could use the money to fill in the gaps.
My financial situation:
I am a good candidate for this loan because I'm a hard worker and when I graduate in June 2010 I will be working full time again and paying of this loan as fast as possible. My credit took a major hit when Chase and BofA saw fit to close my credit accounts even thought they were in good standing. I'm soooooo close to graduating, please take a chance and help me better myself. Thanks

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $800
??Insurance: $ 50
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 110?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439764
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: 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: $113.09
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Feb-1993 Debt/Income ratio: 16%
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: 37 ( 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: $405.98 1+ mo. late: 0 ( 0% )
Total payments billed: 37  
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 439768
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Jun-1999 Debt/Income ratio: 11%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 53Length of status:26y 4m
Amount delinquent: $1,026 Revolving credit balance: $525 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 4 Bankcard utilization: 95%Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: ArmyVet53-needhelp Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 52 ( 93% ) 600-619 (Latest)
Principal borrowed: $6,032.00< mo. late: 4 ( 7% )  
600-619 (Oct-2009)
600-619 (Aug-2009)
620-639 (Apr-2009)
560-579 (Mar-2008)
 
Principal balance: $1,645.20 1+ mo. late: 0 ( 0% )
Total payments billed: 56  
Description
Car repairs
Hello Lenders':

The purpose of this loan is for car (fuel pump) repairs, etc. My car stopped several months ago, I thought that I would have has it repaired by now - but, I have been helping my daughter with her bills. She?s in college ? and when she received her refund check, she purchase a car. Now, she does not have a job - and I have been paying car insurance, and buying gas for the car, so she can get to school. In addition to this, I make sure her credit card bills are paid, because I do not want her credit to be like mine. Also, I send money to my son who is incarcerated, thus leaving me short of funds. Sometime family members and others need help and I try to assist when I can. Now, I need some assistance, but I have no one to ask ? this is why I am requesting loan though Prosper, again.

Please... help!

Any assistance you can provide would be greatly appreciated.

Thank you.

Annual Salary:????????????$51,594, Biweekly: $1321.95? Monthly:? $2,642.00
Monthly Expenses:?
?? Mortgage????????????????$888.63
???Utilities???????????????????$200.00
???Cellphone??????????????? ?$45.00???
???Credit Cds/Loans?????$200.00
???Car Pymt??????????????? $150.00
???Car Ins?????????????????? $113.00
?? Cable/Internet?????????? $60.00
?? Prosper????????????????? $135.75

Public Record Delingencies:? State Tax Lien - arrangement made with Georgia Dept. of ?Revenue to pay taxes ($70) per month through Payroll Deduction.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439772
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1985 Debt/Income ratio: 2%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 10Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $1,064 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 109%Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: established-responsibility1 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
Paying off credit cards
Purpose of loan:
This loan will be used to pay off two credit cards totaling in $600 so I can zero out the balances and avoid late fees and hig processing fees that are charged monthyl.

My financial situation:
I am a good candidate for this loan because, I have a stable job that I have been in for 5 1/2 years, in a booming industry. I've recently purchased a home with an FHA loan and used the credit cards more than I would have liked to. I ultimately applied for them to help increase my credit score.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 140
??Car expenses: $ 400
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ $50
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439778
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: 30.24% Starting borrower rate/APR: 32.24% / 34.65% Starting monthly payment: $218.44
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-1998 Debt/Income ratio: 33%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 39Length of status:3y 8m
Amount delinquent: $1,057 Revolving credit balance: $31,776 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 56%Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 0    
Screen name: persistent-euro Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto repair
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 439786
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: 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: $126.66
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Oct-1984 Debt/Income ratio: 27%
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: 27 ( 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: $555.49 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
IN NEED OF FURNACE, PAY OFF CR CARD
?Purpose of Loan:? To have a furnace installed, pay off once credit card and one loan.

My financial situation:
I am a good candidate for this loan because I am employed and a grateful person who needs just a little help.

Monthly net income: $ 2100

Monthly expenses: $ 1200
??Housing: $ 400
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $ 75
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439790
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: 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: $294.03
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-1994 Debt/Income ratio: 20%
Credit score: 620-639 (Nov-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 13Length of status:1y 8m
Amount delinquent: $1,149 Revolving credit balance: $713 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$100,000+
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: Safety-First Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 92% ) 620-639 (Latest)
Principal borrowed: $5,000.00< mo. late: 2 ( 6% )  
620-639 (Oct-2009)
600-619 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 1 ( 3% )
Total payments billed: 36  
Description
Paid 1st Loan, Need 1 more
Purpose of loan:
This loan will be used to pay off?a business loan and tax-related debt.? I?have closed the?business and now am?employed full-time?and working diligently to pay off debt and improve my credit.?

My financial situation:
I am a good candidate for this loan because I have already paid off one 5K prosper loan.?I have good stable?employment and I am in the process of repairing my credit.? My wife is also employed full-time as a Registered Nurse?and contributes to paying our regular bills. The items that will be consolidated with this loan include a $4K Tax Debt that is $300 per month and a second business loan of $4K that we took out that is also $300 per month. This loan will cover paying off the majority of the 2nd business loan it and the monthly savings from consolidation will let me pay off the remainder very quickly.? I can then re-direct those savings from consolidation to pay off this new loan in less than the prescribed term.

My hope is?to start off the new year with no tax debt and in a position to significantly improve our financial standing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439792
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: 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: $113.15
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Mar-1991 Debt/Income ratio: 33%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 22 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 54Length of status:8y 9m
Amount delinquent: $0 Revolving credit balance: $31,539 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 53%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: versatile-peace361 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
credit card consolidation
Purpose of loan:
This loan will be used to consolidate high interest rate credit cards and cards with rates that will go up

My financial situation:
I am a good candidate for this loan because I am able to pay more if rate is lower than most of the credit cards out there

Monthly net income: $ 5100.00

Monthly expenses: $
??Housing: $ 1045
??Insurance: $ 80
??Car expenses: $ 60
??Utilities: $ 120
??Phone, cable, internet: $ 110
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1065
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: 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: $104.04
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Sep-1998 Debt/Income ratio: 25%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 19Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $5,541 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 2    
Screen name: 2ndchance529 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,600.00< mo. late: 0 ( 0% )  
640-659 (Aug-2008)
540-559 (Jan-2008)
520-539 (Oct-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Fin Aid approved after deadline!!
Purpose of loan:
Help!? I?have registered?for my classes but my approved financial aid won't come in time! I am pursuing my degree to enhance my skills as a Social Worker; where I work hard to help those who are severely disadvantaged.? I've paid for part of the fees with my credit cards, but am falling short.? Financial aid states that my aid will not post in time.
My financial situation:
Despite this 'rating', I have had over three years of great credit payment history (haven't been late),?have paid off my previous Prosper loan, and have been approved?for financial aid at school, but the office is not able to post it to my account before the tuition due date.? Once the aid posts, I will be able to refund your loan.??My credit score is only this low due to using my credit cards to pay some of the tuition, thus lowering my available credit. This WILL be paid off.

Monthly net income: $ 1972
Monthly expenses: $
??Housing: $ 665????
??Insurance: $?80
??Car expenses: $284
??Utilities: $?60
??Phone, cable, internet: $?60
??Food, entertainment: $?100
??Clothing, household expenses $?50
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439798
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $486.83
 
Auction yield range: 4.20% - 9.40% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.27%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Apr-2001 Debt/Income ratio: 11%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $4,058 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: tehc0w Borrower's state: NewYork 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: 23 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
720-739 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Paying off debt
Purpose of loan:
I have about $15,000 of debt that I would like to consolidate and pay off

My financial situation:
I have never missed a payment before.? I have previously borrowed on Prosper (http://www.prosper.com/invest/listing.aspx?listingID=122447) and was able to pay it off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439804
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.50% Starting borrower rate/APR: 15.50% / 17.68% Starting monthly payment: $122.19
 
Auction yield range: 4.20% - 14.50% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 12.34%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: May-1992 Debt/Income ratio: 35%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 27 / 25Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 49Length of status:24y 0m
Amount delinquent: $0 Revolving credit balance: $50,506 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: euro-washboard Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help me..I only need $3500
Purpose of loan:
This loan will be used to pay off my retirement loan, so I can borrow from it again?in 60 days?and pay?my credit card debt?

My financial situation:
I?am a good candidate for this loan because as you can see I pay my bills!!!!? I need only $3500 to pay off my existing loan borrowed from my retirement,but the banks won't give me such a small loan to help me do this. due to my debt to income ratio being so high.??THANKS!!?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439806
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: 14.0%  
   
 
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: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Sep-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 33Length of status:25y 6m
Amount delinquent: $0 Revolving credit balance: $7,611 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 7 Bankcard utilization: 78%Stated income:$1-$24,999
Delinquencies in last 7y: 25 Homeownership: No  
Inquiries last 6m: 0    
Screen name: payout-bonaza 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
Home Improvment
Purpose of loan:
This loan will be used to? Pay some debts and fix up the house. and lower my cash flow.

My financial situation:
I am a good candidate for this loan because? I have very little debt, and will pay this off in a few months. I don't want to keep this more then a few months. I try to keep my amount owed very low. Check the ratios for the cash flow listed below. I am a very conservitive person when it comes to spending.

Monthly net income: $ 8200

Monthly expenses: $
??Housing: $?800
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439808
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: 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: $233.17
 
Auction yield range: 11.20% - 11.20% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jul-1996 Debt/Income ratio: 41%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 8 / 3Employment status:Retired
Now delinquent: 0 Total credit lines: 11Length of status:7y 6m
Amount delinquent: $0 Revolving credit balance: $1,190Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: repayment-platoon Borrower's state: NewHampshire 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 consolidate my credit cards.

My financial situation:
I am a good candidate for this loan because?I always paye off my loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439812
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1982 Debt/Income ratio: 48%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 3 / 6Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 33Length of status:1y 3m
Amount delinquent: $10,425 Revolving credit balance: $612 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 55%Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: pleasant-liberty7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debs
Purpose of loan:
This loan will be used to?? debt consolidation?

My financial situation:
I am a good candidate for this loan because due to me being a single parent of 2.

Monthly net income: $ 34000

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 211
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet:?????$ 100
??Food, entertainment: $100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 20.
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $323.50
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Feb-1991 Debt/Income ratio: 30%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:12y 10m
Amount delinquent: $0 Revolving credit balance: $7,366 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: dbrownell Borrower's state: California 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: 52 ( 98% ) 700-719 (Latest)
Principal borrowed: $22,499.00< mo. late: 1 ( 2% )  
640-659 (Feb-2008)
660-679 (Mar-2007)
 
Principal balance: $3,413.69 1+ mo. late: 0 ( 0% )
Total payments billed: 53  
Description
Great Prosper History 3rd loan
I?m a 3rd time Prosper borrower and have already paid off my 1st early. Three years ago I was in major need of help from lenders and no one could help but Prosper.Today, I show 8 delinquencies but they are 3 years old.? Since my first Prosper loan I have improved my financial position and have never let the Prosper lenders down. I will use this loan to purchase a Toyota Camry 2006 with low miles and very clean.? It's being done by a family member willing to help out with my need for a reliable family car.? I'm a great candidate for this loan please review my payment history with Prosper and my improved credit score and I will continue to improve if I get this loan. Gross monthly income 5,000Mortgage 2,200Credit Cards 200?2 Prosper loan244
Gas/Insurance? 240House bills?600Taxes300Health Ins150Total Available1,066 will pay $650 for this loan and the balance to start saving.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439816
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: 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: $126.08
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-1985 Debt/Income ratio: 11%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:27y 3m
Amount delinquent: $0 Revolving credit balance: $46,606 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 62%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: creative-money4 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
Car repair
Purpose of loan:
This loan will be used to?I want to use this loan on a very short term basis, I would pay it back by March 20th. It is for a new transmission and rims and tires for a car.

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 439818
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: $1,900.00 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: $70.61
 
Auction yield range: 17.20% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Nov-1978 Debt/Income ratio: 22%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Retired
Now delinquent: 1 Total credit lines: 39Length of status:13y 7m
Amount delinquent: $14,925 Revolving credit balance: $7,028Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93% 
Delinquencies in last 7y: 14 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: PEARHEAD Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
680-699 (Dec-2007)
 
Principal balance: $1,948.45 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Medical bill
Pay for eye surgery. I am a good candidate due to never making a late payment on my present loan with PROSPER. I have been temporary disabled due to major back surgery and broken ribs. I will be up and running in several months. I can pay $100.00 per month and keep my payments on time as I always have with PROSPER. Just need a little help right now. The amount I need to borrow will just pay my DR. I am asking for no extra for luxuries!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439820
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: 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: $203.56
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1997 Debt/Income ratio: 15%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 8m
Amount delinquent: $0 Revolving credit balance: $7,049 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 87%Stated income:$50,000-$74,999
Delinquencies in last 7y: 47 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: IFGINVEST Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
RELIST Paying off credit cards
Purpose of loan:
This loan will be used to pay off 4 credit cards to have 1 payment and to establish credit with prosper.

My financial situation:
I am a good candidate for this loan because after my bankruptcy which was?3 years ago?due to a business that failed after 11 years due to employee theft I tried my best not to?file for bankruptcy but was left no choice as the business debt was higher than I could come up with personally?at the time. Since the bankruptcy I have purchased a new home, purchased a Durango and obtained a few credit cards to help rebuild my credit and have not missed a payment I know the importance of good credit. I since have invested some in prosper and have over 20k in my personal 401k and stock investments.

I used the credit cards to help build a deck around our pool.

Monthly net income: $ 4400.00

Monthly expenses: $ 3157.00
??Housing: $ 1400.00
??Insurance: $ 120.00
??Car expenses: $ 257.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $?500.00
??Credit cards and other loans:?appox 500.00?which is paying more than the min payment,

This loan will be paid on time every month please bid with confidence!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439822
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $473.37
 
Auction yield range: 3.20% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Apr-2000 Debt/Income ratio: Not calculated
Credit score: 800-819 (Dec-2009) Current / open credit lines: 15 / 15Employment status:Not employed
Now delinquent: 0 Total credit lines: 36Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $4,298Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: elevated-gold4 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 grad school
Purpose of loan:
This loan will be used to pay for MBA in concentration of project management. I've been working for 7 years as a healthcare professional, and was forced to leave work currently due to the delay of immigration paperwork. I decided to return to school while waiting for my permanent residency application to be processed, which I was told may take another 6-12 months.

My financial situation:
I am a good candidate for this loan because I was brought up to take my responsibility seriously. The loan will be pay back as soon as I resume working after my immigration paperwork is cleared.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439826
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: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $297.31
 
Auction yield range: 17.20% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Mar-1999 Debt/Income ratio: 38%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:9y 5m
Amount delinquent: $0 Revolving credit balance: $4,819 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 74%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 14    
Screen name: treasure-elvis Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards....

My financial situation:
I am a good candidate for this loan because? I am never late or miss a payment.

Monthly net income: $ 4450

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 439830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Dec-1999 Debt/Income ratio: 28%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 33Length of status:30y 4m
Amount delinquent: $355 Revolving credit balance: $5,549 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: KINGLY 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 91% ) 600-619 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 9% )  
620-639 (Sep-2009)
600-619 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
HELP MY MOTHER
Purpose of loan:
This loan will be used to?
I would like to be able to help my mother with a few repairs around her house. Also so, I am going back to school for computer technology and want to make sure that I have the funds to do so.
My financial situation:
I am a good candidate for this loan because? I had a previous loan with Prosper and was very diligent in paying it back. I also like the idea of friends helping friends. I want to be a lender someday soon myself.????????

Monthly net income: $ 3400.00????

Monthly expenses: $
??Housing: $ 200.00????
??Insurance: $34.00
??Car expenses: $?80.00(fuel,oil)
??Utilities: $
??Phone, cable, internet: $ 42.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439832
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: $2,975.00 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: $134.58
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Nov-1987 Debt/Income ratio: 17%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 10 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:9y 11m
Amount delinquent: $0 Revolving credit balance: $3,379 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: glenn30 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 88% ) 600-619 (Latest)
Principal borrowed: $1,200.00< mo. late: 2 ( 12% )  
560-579 (Jun-2008)
560-579 (May-2008)
560-579 (Apr-2008)
 
Principal balance: $818.94 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
2nd Prosper loan
Purpose of loan:
This loan will be used to? pay off my first prosper loan,pay off a few personal bills and reinvest the remaining back into the prosper market place so that i can help others the same way prosper lenders help me.Please continue to support me thanks..

My financial situation:
I am a good candidate for this loan because? I always pay all my bills on time never late the prosper profile report shows that i have been late twice but that is a error on prosper part because i gave them my new checking account for them to continue to take out payments but some how they debit my old account twice so i had to call them to fix the problem..i also receive a pay increase from my employer that will help me make payments on time..plus i still know the old saying if you ask for something then it shall be given..
Monthly net income: $ 3800

Monthly expenses: $ 1650
??Housing: $ 500
??Insurance: $ 95
??Car expenses: $ 518
??Utilities: $ 120
??Phone, cable, internet: $ 95
??Food, entertainment: $ 120
??Clothing, household expenses $ 160
??Credit cards and other loans: $ 159
??Other expenses: $
undefinedundefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439834
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: $3,300.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $100.62
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.55%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Apr-1995 Debt/Income ratio: 19%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Teacher
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: 0    
Screen name: thorough-commitment 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
buying a motorcycle
Purpose of loan:
This loan will be used to save gas! 50mpg. I'll enjoy commuting to work and be able to take outdoor trips on the fire roads.? All this for a fraction of the cost for a new car or motorcycle.

My financial situation:
I'm a good candidate for this loan because I have a strong personal commitment to my personal and financial responsibilities.? I strive to maintain a high credit score and meet my financial obligations.? Working as a principal in a primary school and teaching for four years are great life lessons in learning commitment and fortitude.? I also have helped my husband get his business up and running as well as raise my children.? Teamwork hard work, and commitment will pay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439840
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 22.99% Starting borrower rate/APR: 23.99% / 26.28% Starting monthly payment: $137.30
 
Auction yield range: 8.20% - 22.99% Estimated loss impact: 7.04%  
Lender servicing fee: 1.00% Estimated return: 15.95%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1986 Debt/Income ratio: 35%
Credit score: 640-659 (Nov-2009) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $38,192 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 89%Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: note-shrubbery 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
Debt consolidation, pay off 2 cards
Purpose of loan:
This loan will be used to? Pay off 2 credit cards that went to 30% recently.

My financial situation:
I am a good candidate for this loan because... I can easily?afford the monthly payment and I take my debt seriously.? The payment for this loan will replace the minimum monthly payment on 2 of my high interest cards so my monthly expenses will remain the same.? My housing, utilities and phone cable payments are my half of the monthly bill. My husband pays the other half.?I was forced into bankruptcy 5 years ago due to a very very stupid decision to loan a so called "friend" a very large amount of money, only to have them disappear.?? Before that my credit was flawless.? I just need to be given the chance to prove again that I am credit worthy and responsible.? I have learned a very hard lesson.?I will never again?allow myself to be in the situation I found myself 5 years ago.? Since the bankruptcy I have a perfect payment history.?????If you can help, awesome.? If not, I certainly understand. Thanks!

Monthly net income: $ 2628

Monthly expenses: $ 2127
??Housing: $ 425
??Insurance: $ 110
??Car expenses: $ 612
??Utilities: $ 95
??Phone, cable, internet: $ 40
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 345
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 32.24% / 34.65% Starting monthly payment: $327.66
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: May-1997 Debt/Income ratio: 20%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $6,787 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 31%Stated income:$25,000-$49,999
Delinquencies in last 7y: 28 Homeownership: No  
Inquiries last 6m: 1    
Screen name: deal-wizard0 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 my credit cards"
Purpose of loan:
This loan will be used to? pay off debts, credit card accounts so I may return to school in the future to obtain by RN degree.

My financial situation:
I am a good candidate for this loan because? my employment and profession is secure in this economy.

Monthly net income: $ 2108.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 201.00
??Car expenses: $ 0
??Utilities: $ 180.00
??Phone, cable, internet: $ 246.0
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 251.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439846
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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1994 Debt/Income ratio: Not calculated
Credit score: 620-639 (Dec-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:13y 2m
Amount delinquent: $0 Revolving credit balance: $3,775 Occupation: Landscaping
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 37%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: win_with_jim Borrower's state: NewJersey Borrower's group: Preferred Professionals
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: 22 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,725.00< mo. late: 0 ( 0% )  
640-659 (Jul-2008)
600-619 (Nov-2007)
600-619 (Oct-2007)
520-539 (Sep-2007)
 
Principal balance: $2,107.08 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Purchase business equipment
Purpose of loan:
My Landscaping business is still growing, and I am looking to purchase more equipment to fulfill those needs.

My financial situation:
I am owner of a Landscaping business.? www.jimsanswer.com
I have been in business since Oct. 1996.? I plan on significant expansion.? I also do computer consulting.

I have a repeat customer base of over 120 customers, over half of which I have had for?5?to?12 years.
I am honest and dependable.??I have no problem?paying off the loan.? I have made strides in a short period of time to improve my credit and financial situation and look forward to accomplishing my financial goals.?
Thank you for taking the time to look at my listing.??

I have expanded to other ventures in my business.? Construction, and home improvement.? I need the extra equipment to do this.? The work is there.

A loan from prosper would give me the flexibilty and capital to help my business grow at a comfortable rate. I would rather not use high interest credit cards to do this.
I don't know why my credit score has dropped since last year.? It was at 723 in the summer of 2008 and my circumstances have not changed since then to justify any decrease.
If you have any questions feel free to contact me

Monthly net income: $4200


Monthly expenses: $
??Housing: $ 975
??Insurance: $ 300
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 63
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439850
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $181.26
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.75%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Mar-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 41Length of status:14y 5m
Amount delinquent: $0 Revolving credit balance: $3,608 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 89%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: red-pound-surgeon Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan
Purpose of loan:
This loan will be used to? pay off high interest credit card

My financial situation:
I am a good candidate for this loan because??I am?able to make monthly payments

Monthly net income: $ 2,000.00

Monthly expenses: $
??Housing: $ 677.
??Insurance: $ 313.00
??Car expenses: $ 550.00
??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 439852
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: 7.40% Starting borrower rate/APR: 8.40% / 11.93% Starting monthly payment: $31.52
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Mar-1991 Debt/Income ratio: 27%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:12y 9m
Amount delinquent: $0 Revolving credit balance: $61,963 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Angel_Investor_7 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
Marketing Campaign
Purpose of loan:
This loan will be used to begin a marketing campaign and establish my lending history on Prosper.

My financial situation:
I am a good candidate for this loan because I am active duty United States Marine Corps with over 12 years in.

Monthly net income: $ 10300

Monthly expenses: $
??Housing: $ 2970
??Insurance: $ 150
??Car expenses: $ both vehicles paid off.? @ $150 month for gas.
??Utilities: $ Included with base housing
??Phone, cable, internet: $ 89
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ Rentals 2900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439854
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $323.50
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Jul-1987 Debt/Income ratio: 43%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $63,764 Occupation: Professor
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: justice-allotment 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
Eliminating some high interest debt

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439856
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: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $362.53
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.75%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Jul-1995 Debt/Income ratio: 30%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 15 / 11Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 30Length of status:20y 5m
Amount delinquent: $3,284 Revolving credit balance: $47,966 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: sophisticated-coin3 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
Buy more studio materials
Purpose of loan:
This loan will be used to?
To start up portion of my music studio, that is nearly completed?. Im runnin gout of funds to complete the business
My financial situation:
I am a good candidate for this loan because?
I need to pay down few debts that is rendering on my credit report, onces that is paid off i can boost up the credit score for a better loan to cont. building my business onto the next level?
Monthly net income: $ 4,500 for my self and my spouse is 5,000
Monthly expenses: $
??Housing: $ 1,689
??Insurance: $ 155.00
??Car expenses: $ 200
??Utilities: $175
??Phone, cable, internet: $ 182
??Food, entertainment: $ 240.
??Clothing, household expenses $175.00+?
??Credit cards and other loans: $ 500.00?

=
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439858
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: 12.50% Starting borrower rate/APR: 13.50% / 15.65% Starting monthly payment: $254.51
 
Auction yield range: 4.20% - 12.50% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 10.36%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Apr-1995 Debt/Income ratio: 39%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $62,868 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Capitalist_Soul 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
Cash Flow Help
Cash flow is getting a little tight. Had a renter bail on me earlier in the year and just got the condo re-rented to a more qualified individual. Household income exceeds 200K and never missed a payment on any debt obligation in my life. I have a very stable sales management position with significant income. Would rather give Prosper a shot than take a loan against our 401k (80K+ balance). Last year's tax refund was $23,500 and I'm anticipating the same this year. I expect to pay this loan off early and become an investor down the line. I offer a very solid return with VERY low risk. I consider my credit score/profile the most important document/file in my life.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439860
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: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $620.45
 
Auction yield range: 17.20% - 27.00% Estimated loss impact: 19.57%  
Lender servicing fee: 1.00% Estimated return: 7.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jun-1993 Debt/Income ratio: 55%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:9y 1m
Amount delinquent: $0 Revolving credit balance: $98,922 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: serene-finance 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
Pay Off High Credit Card Interest
Purpose of loan:
This loan will be used to? pay off high interest on credit card.

My financial situation:
I am a good candidate for this loan because? I have never defaulted on any debt.? I am a long term State Government Employee.? I am just needing relief from high interest rate debt as I start a new family.

Monthly net income: $ 3200.00

Monthly expenses: $
??Housing: $ 314.00
??Insurance: $ 110.00
??Car expenses: $ 80.00
??Utilities: $ 260.00
??Phone, cable, internet: $ 167.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1100.00
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $543.79
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.75%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jul-2001 Debt/Income ratio: 41%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $9,473 Occupation: Clerical
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: 0    
Screen name: stronghold0 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
Wanting to start a family =)
Purpose of loan:
This loan will be used to? consolidating my student loans and credit card so that i can focus on starting a family of my own one day. The interest is high so i want to consolidate everything on prosper.com Its great that prosper is around. I hope you all can help in making this dream come true. Thank you.

My financial situation:
I am a good candidate for this loan because? I have a very secure job that i have been at for almost 6 years now. I pay all my bills. The interest on my credit card is high and i still pay everymonth on time! I am eager in to pay down my student loans! I have a goals and determination.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ Mother owns
??Insurance: $ 30
??Car expenses: $ 20
??Utilities: $ 35
??Phone, cable, internet: $ 30
??Food, entertainment: $ 25
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439870
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: $3,900.00 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: $122.93
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 24Length of status:9y 6m
Amount delinquent: $0 Revolving credit balance: $6,119 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: stevenm8 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
Building a Website and Advertising
Purpose of loan:
This loan will be used to??

I am a self employed attorney.??I do not have a website for our?the firm and plan to create one.? This loan will be used for website design and some other advertising in local publications.

We have inquired about obtaining a line of credit from our bank, but they will only provide a minimum loan of $25,000.? We do not need or want a loan that large.

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

I have been self employed for?more than nine years and pay?most bills in full?each month.? However, clients have become slower to pay their monthly invoices because of the economy, and this creates a cash flow strain.??I believe that the website will generate new clients and will quickly pay for itself.

I have been a lender on Prosper for a year and a half, and have had only good experiences.? I want to test the market as a borrower.

Monthly net income: $ 5,200

Monthly expenses: $
??Housing: $ 1460
??Insurance: $ 565
??Car expenses: $?150
??Utilities: $ 100
??Phone, cable, internet: $?165
??Food, entertainment: $ 550
??Clothing, household expenses $ 130
??Credit cards and other loans: $ 750 credit cards + $525 student loans
??Other expenses: $?160?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439872
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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $1,061.29
 
Auction yield range: 17.20% - 29.00% Estimated loss impact: 36.19%  
Lender servicing fee: 1.00% Estimated return: -7.19%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 29Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $37,573 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: wonderful-leverage3 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Microbrewery/restaurant expansion
Purpose of loan:
This loan will be used to? help fund expansion of a new startup restaurant and pub in North Portland.?Banks are not lending to small businesses without deep pockets so we need to look for private investors/loans. One financial partner had to drop out with the latest crunch, so I am looking for alternative funding to keep momentum rolling. We have been open for 1.5 months and are already generating $45K/month, with the potential for three times that number once we are ramped up.?We need to continue with remodeling and to hire new staff to help with expansion.? Eventually we will install a microbrewery onsite once we are stable.? Our community standing is excellent and our competition is weak in this area.? You can web search for blogs on North End Pub in Portland, OR. Web site slowly building at www.rivergatebrewing.com

My financial situation:
I am a good candidate for this loan because? 1) I have consistently held good credit for years, but admittedly I have maxxed out on available credit?recently since starting this endeavor four months ago (two years in the research and site location phase),? 2) I own my home and have paid my bills on time for many years, 3) we are offering a "bread and butter" business service to our local community for which there is really no competition - and in an area that is greatly underserved for a quality food establishment that is family-friendly and offers a true community-gathering space.? We hope to become a major desitination for live music talent if we can ramp up successfully in the next couple months. We are directly involved with the community and have a lot of support behind us.? Come visit us and see for yourself! More pictures to follow...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $69.33
 
Auction yield range: 4.20% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-2008 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 2Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $421 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: exponential-interest 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
Senior Year -- Student Loan
Purpose of loan:
This loan will be used to cover the cost of tuition and books in excess of my scholarships for my final semester of college.? I'm a business student with a 3.7 GPA, who fully understands the implications and responsibilities of credit.

My financial situation:
I am a good candidate for this loan because, for my age, I have a good credit history.? According to CreditKarma.com, my credit score is 715.? Also, I have $5,000 invested in a brokerage account to back up this loan should my income be insufficient, which is highly unlikely. Remember, by June I'll have a Bachelor's Degree and will be working full-time.? I'm responsible, I'm timely, and I'd like to build up my credit history before graduation.

As a plus, I live in a house with four others, so my rent and utilities are terribly cheap--I'll have plenty of income free.
Thank you for your consideration, and if you have ANY questions, please let don't hesitate to ask.
Monthly net income:?????$ 1,100

Monthly disposable income:? $420

Monthly expenses:??????? $ 680
Housing (rent):?$250
Auto loans:? vehicle is fully-owned
Credit cards, loans:? $ 50/mo MAX
Insurance (auto):????? $ 85/mo, spotless record
Car expenses (gas, etc): $ 80/mo
Utilities:???????????????????????? $ 65/mo
Phone, cable, internet:??? (included in 'Utilities')
Food, household expenses: $ 150/mo
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Nov-1995 Debt/Income ratio: 11%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:18y 8m
Amount delinquent: $0 Revolving credit balance: $22,367 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: sperk50286 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 17 ( 94% ) 620-639 (Latest)
Principal borrowed: $12,000.00< mo. late: 1 ( 6% )  
620-639 (Oct-2009)
600-619 (Sep-2008)
620-639 (Jul-2008)
640-659 (Mar-2008)
 
Principal balance: $4,310.98 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
great borrower 3 loans paid off
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 439886
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.71% Starting monthly payment: $53.47
 
Auction yield range: 11.20% - 21.00% Estimated loss impact: 10.51%  
Lender servicing fee: 1.00% Estimated return: 10.49%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-2008 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 2Length of status:1y 1m
Amount delinquent: $0 Revolving credit balance: $256 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: top-gain-mogul 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
FEE TO JOIN LOCAL UNION
Purpose of loan:
The purpose of this loan is to help me pay the fee required in order for me to join my local longshormen union, After I have joined the union I will be earning $24 hourly with an average work week of 20-60 hours. credit score by prosper is also inaccurate as my credit score is 717
My financial situation:
I am a good candidate for this loan because I already have a part-time job in place that pays me weekly and I do intend on keeping this job for even more security until the loan is satisfied. Monthly payments will not be a problem and will be on time, my income will also increase as a result and I forsee this loan being payed off well before the term is complete as I have good credit and do not like to have outstanding debt.
Monthly net income: $
Currently $818 after the loan anywhere from 1200-2200
Monthly expenses: $
??Housing: $?200?I still stay at home just?contribute to a small portion of the mortgage.
??Insurance: $?0 under a relative's insurance they?pay.
??Car expenses: $ 0 car is paid off.
??Utilities: $ 0
??Phone, cable, internet: $ 88 cell phone.
??Food, entertainment: $?60 monthly
??Clothing, household expenses $ 0 none.
??Credit cards and other loans: $ 15 monthly.
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439894
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-2000 Debt/Income ratio: 35%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:4y 8m
Amount delinquent: $0 Revolving credit balance: $79,788 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: flan5 Borrower's state: Delaware Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Guaranteed Return - Finance a Ring
Hi everyone, I recently submitted a loan request last week - while I had a few bids, I think the holiday and possibly my description hindered my loan from getting 100% funded. So I'll try again! For starters, I want all investors to know that I am very serious about my credit score, I've never had a late nor missed payment and I don't intend to start now - while my prosper score is a 'D' - I can assure all investors that this is your best bet on a large return on prosper - I repeat I am very serious about not screwing up my credit score with a missed or even late payment - and you will reap the large return starting with having faith in me!

Purpose of loan:
I'm currently head over heels over my girlfriend of over 3 years and have been looking at engagement rings for the past 60 days. The thing is, I'm about $3000 short of my dream ring which is on sale at bluenile for $7000. For one reason or another I can't get financing from any bank or bluenile, even though I can pay $4000 down?

My financial situation: My credit score is a 665 on Equifax and I earn good money; however, I do have a large amount of debt due to school related expenses and generally just being young and not as financially smart as I am now. I have a stable job at a fortune 100 company working there for the past 5 years and earning 3 promotions in that time.

I am a good candidate for this loan because? As mentioned above - I'm reliable - while I have a large amount of debt, I've never been late or missed any of my payments; further, I take my credit score very seriously!
Monthly net income: $ 4120.00

Monthly expenses: $3015
??Housing: $1350
??Car expenses: $250 (car) + $115 (insurance)
??Utilities: $150
??Phone, cable, internet: $0 (I work for a large cable company - so this is free)
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $700
??Other expenses: $ 200 (parking garage, gas, etc)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Oct-1990 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 22Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Construction
Public records last 12m / 10y: 2/ 9 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 1    
Screen name: enriched-ore Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439904
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 6.51% Starting borrower rate/APR: 7.51% / 9.59% Starting monthly payment: $108.89
 
Auction yield range: 4.20% - 6.51% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 4.40%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jan-2002 Debt/Income ratio: 16%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $8,546 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: dynamic-duty 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
Paying off Credit Cards
Purpose of loan:
This loan will be used to? lower my credit card interest.?

My financial situation:
I am a good candidate for this loan because? I have great repayment history.? My husband lost his job shortly after we were married last year.? We had some savings set aside that had to be used, however, we had to resort to credit card use.? He is now employed with a great job, and our income has increased dramatically.? We are trying to get back to living with little debt, and want the ability to lower our interest rate so that we can start saving for our future together.

Monthly net income: $ 3600 for mine and $3800 for my husband

Monthly expenses: $?4289
??Housing: $ 1730
??Insurance: $ 450
??Car expenses: $ 379
??Utilities: $?180
??Phone, cable, internet: $ 400
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439912
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: 15.10% Starting borrower rate/APR: 16.10% / 18.28% Starting monthly payment: $176.03
 
Auction yield range: 8.20% - 15.10% Estimated loss impact: 6.84%  
Lender servicing fee: 1.00% Estimated return: 8.26%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1984 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 29 / 27Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 53Length of status:27y 2m
Amount delinquent: $0 Revolving credit balance: $303,372 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 94%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: velocity-booster 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
Post College Credit Card consoldtn
Purpose of loan:
This loan will be used to?? Pay down Discover Card.

My financial situation:
I am a good candidate for this loan because? Oldest son just finished college (Clemson University) w considerable parental support.? Credit cards now need to be pushed down.? Have been gainfully employeed w/ US Postal Service as manager for almost 27 years.? Also own and manage 3 rental units w/ 100% occupancy.? Autos paid off....now for the credit cards.? Work lot's of hours and lots of overtime.? Wife steadily employed as teacher 25+ years.

Monthly net income: $ 10,000

Monthly expenses: $
??Housing: $ 2,800
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 175
??Food, entertainment: $ 200
??Clothing, household expenses $ 175
??Credit cards and other loans: $?1400
??Other expenses: $ student loan 285
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439916
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Nov-1996 Debt/Income ratio: 21%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:13y 3m
Amount delinquent: $0 Revolving credit balance: $15,089 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 89%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: professional-power8 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Property Taxes and Extra Mtg pmnt
Purpose of loan:
This loan will be used to make an early January mortgage payment and pay the deficit between my escrow amount and my property tax bill before year end for additional deductions for 2009 taxes.

Would like to pay this loan off in 12 months.

My financial situation:
I am a good candidate for this loan because I am reliably employed.? Last daughter just graduated from college December 20 - no more college expenses.
Monthly net income: $ 4,000 (husband income is on the rise with improvement in economic picture locally)
Monthly expenses: $
??Housing: $ 1655,??Insurance: $?200??Car expenses: $250,?Utilities: $ 255,?Phone, cable, internet: $ 187,?Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439922
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: $14,000.00 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: $447.81
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.28%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-1993 Debt/Income ratio: 32%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:10y 5m
Amount delinquent: $0 Revolving credit balance: $33,873 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 55%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: commitment-prospector3 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
byebyedebt
Purpose of loan:
This loan will be used to? pay off high intrest credit cards

My financial situation:
I am a good candidate for this loan because? I have a secure job which cannot be taken away from me without an act of congress.? My wife and I both work and have good credit.? I do not miss payments and am low risk.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439926
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $165.45
 
Auction yield range: 8.20% - 27.00% Estimated loss impact: 7.15%  
Lender servicing fee: 1.00% Estimated return: 19.85%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-1978 Debt/Income ratio: 38%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 19 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:36y 3m
Amount delinquent: $0 Revolving credit balance: $42,256 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Scubaguy Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 57 ( 100% ) 660-679 (Latest)
Principal borrowed: $16,000.00< mo. late: 0 ( 0% )  
640-659 (Dec-2007)
620-639 (Jan-2007)
 
Principal balance: $3,044.90 1+ mo. late: 0 ( 0% )
Total payments billed: 57  
Description
Debt Consolidation
I am a very trustworthy individual who is looking for a 2nd Prosper loan to consolidate payments and pay the interest to people like you vs. the banks.? My outstanding debt is related to putting?3 kids through under-graduate school?(2 have?finished and one is almost finished).? I have a great job and have been with the same company for?30 years with significant earning potential.? My current annual gross earnings are 120,000.00 plus (I believe Prosper only list this as 100,000.00 plus).? I have no history of late payments with Prosper or my other creditors as?I believe in paying my bills on time and?more than the amount due.? I have one?account that I am trying to pay off and close and this loan will allow me to do this.? I have successfully paid off one Prosper loan EARLY and I am a Prosper Lender!!I hope you'll help me and you will not regret your investment in me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439928
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $77.77
 
Auction yield range: 3.20% - 6.50% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.90%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Aug-1984 Debt/Income ratio: 93%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 31 / 28Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 48Length of status:8y 0m
Amount delinquent: $0 Revolving credit balance: $23,161 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: snappy1857 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,700.00< mo. late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $5,378.13 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Helping Son
Purpose of loan:

This loan will be used to?I would like to help my son with his purchase of a new home by helping him with carpet and flooring.?This is his first home (age 20) and I would like to help him like I did for my daughter when she first started out on her own.?I didn?t?know of?Prosper back then and turned to credit cards which I would like to stay away from for this. My son has a full time job but is putting most of it into this house.?He has a new infant son that is moving in with him and he does need this carpet and new kitchen flooring before the baby starts crawling (very bad shape).? He is a full time student (2nd year) and we pay for his schooling with no help from his father.?I get support but that ends in March 2010.? We will continue to pay for his college till he graduates in 2 yrs.

My financial situation:? I am a good candidate for this loan because I pay all my bills on time..never late and proud of that.?We pay most of my son?s college.?Again, his real father does not help with anything.?My husband and I have good stable jobs.?He has been with Sony for 5 years and I have been at my job for 8 years.?The Debt/Income ratio on this request does not include my husbands income.?That too goes for the Stated Income.?As you can see my bankcard utilization is down a lot since my last Prosper loan and my credit score is up.?That was my goal and I did it with the help of Prosper.?Thank you so much.??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439930
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jul-1989 Debt/Income ratio: 15%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 26Length of status:16y 0m
Amount delinquent: $7,662 Revolving credit balance: $1,309 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 17 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: eagle89 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
660-679 (Sep-2009)
660-679 (Aug-2008)
520-539 (Jul-2008)
 
Principal balance: $1,692.50 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Paying off credit cards
Purpose of loan: This loan will be used to pay off?credit cards.?
I am a good candidate for this loan because I have never been late on a payment for my current loan.?I hope that you will give me the chance to prove myself with a new loan just as I have proved?myself by making timely payments with my current loan.?I have been?working?hard?to overcome financial mistakes I have made in the past. I have made progress in getting a better handle on my finances. My current credit report does show a slight drop in score. This new loan will help me take care of those accounts that caused this small drop. The new loan will also help me to better reach my goal of paying off all my debt. I have not?had any new credit card debt since my last Prosper loan. Medical bills have been the main cause for financial distress. I am enrolled in a?Health?Savings Plan for next year to stay?on top of any new medical bills.? I?have continued to pay down balances since I received my current Prosper loan.? Please let me know if you have any questions.

Monthly income: $4984(net)
Monthly expenses: $4875$1165 - Mortgage$1100 - Auto (payment, insurance, gas)$800 - Utilities (gas, electric, cable, phone, cell phone, internet$500 - Food$700 - Credit Card debt$400 ? Medical$102 ? Current Prosper loan$108 ? Student LoanBalances paid with new loan: $1500
Maximum loan payment: $68
Payments replaced by new loan: $150The $82 a month that will be gained by paying off these balances will used to accelerate the payoff of other debts.Thank you for considering and?bidding on this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 37.22% Starting monthly payment: $67.43
 
Auction yield range: 11.20% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Apr-1976 Debt/Income ratio: 32%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 17 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:8y 4m
Amount delinquent: $0 Revolving credit balance: $25,810 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: jatazus1 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
660-679 (May-2008)
 
Principal balance: $1,678.64 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Wish to Lower my monthly payments
Purpose of loan:
I hope to consolidate several small credit payments into one.....I will at the same time lower the amount of monthly payments, take the savings and pay off higher debts. I hope you can assist?

My financial situation:
I am a good candidate for this loan because? my payments to all credit vendors including Prosper?has been impeccable for 5 years, no late payments ever and I will prove that I will continue to be letter perfect on repayment

Monthly net income: $ 7,200.00
Monthly Expenses:??? $ 5,650.00
Monthly Remainder:? $1,550.00


Monthly expenses: $
??Housing: $ 1295.00
??Insurance: $ 130.00
??Car expenses: $ 600.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 600.00
??Credit cards and other loans:$1650.00
??Other expenses: $ 150.00

To those good people that consider and lend on my request, I thank you in advance, to all on this great site, I wish you the best of holidays and a "prosper" ous New Year

Thank You
Joe
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439944
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: $7,154.00 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: $323.62
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
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
Revolving Accounts Pay-Off!
Purpose of loan:
For the Pay-off of Revolving credit balance: $7,154 and non-use (as opposed to closure) of 4 credit card accounts ~ See Above Credit Profile.

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

Monthly net income: $ 4300 / month Gross. . . $3,500 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 439948
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: $22,000.00 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: $995.19
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-1980 Debt/Income ratio: 42%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 22 / 16Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 60Length of status:21y 6m
Amount delinquent: $166 Revolving credit balance: $9,359 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 93%Stated income:$50,000-$74,999
Delinquencies in last 7y: 33 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: kmb587 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 41 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
680-699 (Aug-2008)
680-699 (Jul-2008)
660-679 (Jun-2008)
 
Principal balance: $2,052.87 1+ mo. late: 0 ( 0% )
Total payments billed: 41  
Description
PAY ALL LOANS AND CREDIT CARDS OFF!
Purpose of loan:
This loan will pay off all my credit cards and personal loans including the 1 prosper loan I now have.? I want to get rid of all my credit card balances and close them.? I would like to know this will be paid off in 3 years instead of wondering how long it will take with credit card interest rates.? Please help me to be able to start reaching some financial stability.? It is getting harder and harder to pay everything every month with cards changing their interest rates and minimum payments.? I really need your help to not make my credit score go down but to keep it going up!
My financial situation:
I have been at my current job for over 21 years and it is very secure.? I currently have 1 prosper loan which I have never missed a payment on.? I also have paid off 1 prosper loan which I never missed payments on and paid it off early.? I promise I will not default on this loan!? Also, my credit report is still showing 3 delinquencies which have been taken care of.? They were small things that were just an oversight.? They will be taken off my report shortly. Also I don't believe the HR rating that prosper is giving me is correct, however I don't really know how they figure them out.? I know my actual credit report says I am at about 645.

Monthly net income: $ 2900
Monthly expenses: $
??Housing: $ 1068
??Insurance: $ 106
??Car expenses: $
??Utilities: $ 110
??Phone, cable, internet: $ 155
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439950
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: 21.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $387.10
 
Auction yield range: 17.20% - 21.00% Estimated loss impact: 19.19%  
Lender servicing fee: 1.00% Estimated return: 1.81%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Feb-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Dec-2009) Current / open credit lines: 18 / 15Employment status:Self-employed
Now delinquent: 0 Total credit lines: 28Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $1,786 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 9%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: magical-p2ploan8 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
Finishing a Job
Purpose of loan:
This loan will be used to help me finish a job that went over budget.

My financial situation:
I am a good candidate for this loan because I am very consciencous of my credit score.? I will not miss a payment and I will repay this debt in full before the time given.? I am really in a bad way on this job and I need these funds for piece of mind and to help my stress level.? I have really been losing sleep over this job and this money would definitely get me out of trouble.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439952
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Mar-1990 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 6Length of status:11y 4m
Amount delinquent: $280 Revolving credit balance: $27,879 Occupation: Other
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: 1    
Screen name: engrossing-fund2 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
PAY MY UTILITY BILLS
Purpose of loan:
This loan will be used to?TO CATCH UP ON MY BILLS AND GET BACK ON MY FEET

My financial siTUATION? I AM A WIDOW , STRUGGLING TO GET BY AND NEED HELP?? PLEASE HELP? NO PRETENDS JUST THE TRUTH!

Monthly net income: $ RIGHT NOW 500

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 439962
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: 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: $315.68
 
Auction yield range: 3.20% - 7.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Apr-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Dec-2009) Current / open credit lines: 4 / 2Employment status:Self-employed
Now delinquent: 0 Total credit lines: 28Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $2,528 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: creative-payout3 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
help Acme Canine grow
Purpose of loan:
This loan will be used to? update our website which provides 1/2 of our client referrals.? The other 1/2 is from?the?20 veterinarians located near Acme Canine.?

My financial situation:
I am a good candidate for this loan because?? since the inception of Acme Canine we have continued to increase?our yearly?revenue by nearly 200%.? This year we also increased our yearly revenue despite the recession.? We continue to have a solid reputation in the community and have received awards reflecting this.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439964
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Mar-1998 Debt/Income ratio: 24%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:14y 5m
Amount delinquent: $0 Revolving credit balance: $283 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 26%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: capital-drummer 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 legal bills
Purpose of loan:
This loan will be used to pay legal bills

My financial situation:
I am a good candidate for this loan because I have been working at my job for 15 years.? I have been working to rebuild my credit and have raised my credit score by 60+ points this?year.? I repay my debts.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 800.00???????????
??Insurance: $ 125.00
??Car expenses: $ 400.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $?300.00/month?(minimum)
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $323.50
 
Auction yield range: 17.20% - 30.24% Estimated loss impact: 19.77%  
Lender servicing fee: 1.00% Estimated return: 10.47%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jan-1983 Debt/Income ratio: 15%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 35Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $4,492 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 68%Stated income:$75,000-$99,999
Delinquencies in last 7y: 23 Homeownership: No  
Inquiries last 6m: 1    
Screen name: richat 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
Consolidating and moving forward
Purpose of loan:
This loan will be used to pay off some student loan debt (daughter, son and wife) and consolidate old loans
My financial situation:
I am a good candidate for this loan because I have the ability to pay it back - our household income is $170K.
Monthly net income: $ 6666 (just me, not including bonuses)

Monthly expenses: $
??Housing: $ 3150????????
??Insurance: $
??Car expenses: $?300
??Utilities: $ 350
??Phone, cable, internet: $ 330
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.46% Starting borrower rate/APR: 26.46% / 28.79% Starting monthly payment: $608.04
 
Auction yield range: 11.20% - 25.46% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-1989 Debt/Income ratio: 25%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:23y 0m
Amount delinquent: $0 Revolving credit balance: $43,022 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: p2p-hawk0 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
P&M Properties & Investments, LLC
Purpose of loan:
This loan will be used to?

I currently own 3 properties free and clear (1 currently receive $1400 month rent, property commerical/apt upstairs approx value $135,000) I also have another home ready to receive section 8 tenant $600 month (SF, approx value $78,000), and I have one additional property (approx $70,000) that I need additional funds to renovate the property, I have a tenant ready to move in once completed.? I have incurred cc debt to renovate these properties.? I have a contractor as my business partner that completes the renovations labor free.

My financial situation:
I am a good candidate for this loan because I am currently employed with Fed Gov for 23 years, I have credit score of 736, I pay my bills monthly.? I am trying to start a business to supplement my income in my retirement years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439996
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Oct-1989 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2009) Current / open credit lines: 11 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:6y 2m
Amount delinquent: $0 Revolving credit balance: $1,059 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 33%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: aggresive-diversification1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt liquidator
Purpose of loan:
This loan will be used to? pay off credit cards and bills i have and to purchase a hairpeace i need because i have a illness that has caused my regular hair not to grow.?

My financial situation:
I am a good candidate for this loan because? i am a responsible person and will pay the loan back? i was brought up to take care of my finances correctly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440008
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: 27.46% Starting borrower rate/APR: 28.46% / 30.82% Starting monthly payment: $166.45
 
Auction yield range: 11.20% - 27.46% Estimated loss impact: 10.69%  
Lender servicing fee: 1.00% Estimated return: 16.77%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Aug-1994 Debt/Income ratio: 31%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 12 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $7,388 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 68%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: auction-tamer 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
Paying off my cards
Purpose of loan:
This loan will be used to pay off credit cards before the birth of my baby girl. It would be a huge help to get rid of the high rates before she arrives.?

My financial situation:
I am a good candidate for this loan because i am an extremely hard worker and i work overtime every chance i get. There just has not been much this last year because of the economic condition.Everyones help will be greatly appreciated?

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 440014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Dec-1989 Debt/Income ratio: 29%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Part-time employee
Now delinquent: 4 Total credit lines: 53Length of status:6y 11m
Amount delinquent: $1,335 Revolving credit balance: $1,237 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Homeownership: No  
Inquiries last 6m: 0    
Screen name: SaraJade Borrower's state: Utah Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 47 ( 81% ) 600-619 (Latest)
Principal borrowed: $4,000.00< mo. late: 11 ( 19% )  
600-619 (Jan-2008)
580-599 (Nov-2007)
600-619 (Sep-2006)
 
Principal balance: $474.99 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
3rd time borrower!!!
Yay!? I am so excited to be doing this once again.? Seriously!? I just finished paying off my first ever loan here with Prosper.? My credit score has climbed to new heights!? And, so here I am to see if I can keep the "karma" flowing my way.? ;-)

So, here is my current situation.? I have most everything under control.? No late payments anywhere!? However I am trying to clean up my credit report on my own and I have found a few old debts that I would like to pay off and get all the old bad credit off of my report...so that my score can go up even more.? I'm also very close to finishing up what has a been a TWO YEAR battle in hell with a grifter and her posse who hijacked my escrow when my condo?sold!? Yay!? However I would like to use some of that money to also pay off the lawyer who has been helping me out of his own sense of justice for now.

So, the loan is for $5000.? This will help me to pay off all old debts and pay the lawyer some much deserved cash while we wait for the?escrow funds to be released.? Please keep in mind that I have never missed a payment on any of my loans here with Prosper.? Here is the financial information...not much has changed here.

Income (per month)?-
????Salt Lake Community College (Adjunct Professor) - $1,600
????Salt Lake Public Library (Library Aide) -?$640

????Total - $2,260?

Here is breakdown of how it will be spent:

Old Wells Fargo debt - $1000
Old HSBC credit card debt - $2000
Old Verizon bill - $250
Old Questar bill - $150
Old Power bill - $120
Lawyer - $1000

Total = $4520

This leaves me with $480 to pad out my bank account with.

Thanks for looking!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440020
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: 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: $345.07
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jan-1994 Debt/Income ratio: 14%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:4y 7m
Amount delinquent: $0 Revolving credit balance: $22,849 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: euro-wonder 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
Debt Consolidation
Purpose of loan:
This loan will be used for debt consolidation.

My financial situation:
I am a good candidate for this loan because i have been working for the same company for appox 5 years and have earned in excess of 130k this year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440026
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: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 17.20% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Oct-1997 Debt/Income ratio: 17%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $10,246 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 7    
Screen name: reward-goose 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
Graduated, consolidating, new job
Purpose of loan:
This loan will be used to consolidate debt used to get myself through college.

My financial situation:
I just graduated with a Computer Engineering degree from Texas A&M University. I am starting a new job that pays $59k/year on 01/11/10, and am looking to use this loan to help consolidate my debts and help aid in obtaining a replacement car.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440038
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: $2,700.00 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: $122.14
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Oct-1987 Debt/Income ratio: 55%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 29 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 58Length of status:11y 6m
Amount delinquent: $0 Revolving credit balance: $10,532 Occupation: Other
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: 7    
Screen name: sunshine0401 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HELP!! Payday Loan
Purpose of loan:
This loan will be used to pay off my payday?loan!!

My financial situation:
I am a good candidate for this loan because I always pay my loans back and pay them back on due dates.? Need to get this payday loan paid off, interest is killing me every two weeks.? Unable to get it paid off, unexpected expenses with the holidays, needed some extra cash, now having a tough time paying it off.?

Monthly net income: $ 3142

Monthly expenses: $2019.60
??Housing: $ 0 - Husband pays
??Insurance: $ 0 - Husband pays
??Car expenses: $916.26 (Vehicle loan); very minimal gas?$60/month; I work from home as a medical transcriptionist.
??Utilities: $ 90 (water bill)
??Phone, cable, internet: $190 (cable/internet) Husband pays remaining?bills?
??Food, entertainment: $200 (groceries)
??Clothing, household expenses $?No clothing purchases allowed?at this time
??Credit cards and other loans: $ 563.34
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 431479
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $486.83
 
Auction yield range: 4.20% - 9.40% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.27%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-2000 Debt/Income ratio: 17%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:12y 2m
Amount delinquent: $0 Revolving credit balance: $17,424 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 18%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bath030 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?Pay off all credit card debt and leave me debt free except for this payment?

My financial situation:
I am a good candidate for this loan because?I am employed full time and have a good paying job?with an excellent work history and for paying my debts I am never late on any payments and won't be late or default this one Thanks for the help if you can
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 433055
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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.05% Starting borrower rate/APR: 15.05% / 17.22% Starting monthly payment: $312.21
 
Auction yield range: 6.20% - 14.05% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Dec-1995 Debt/Income ratio: 17%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $37,806 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: first-worldly-affluence 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 off my credit cards
Purpose of loan:
To consolidate and pay off all my credit card debit. The cost savings in interest will allow me to start saving money for my daughter?s education.

My financial situation:
I am a good candidate for this loan because I currently have a great job as a civil engineer that provides steady income for my family. In this economy I feel very fortunate to have a career with plenty of job security. I have a long bright future with my current company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437911
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-1987 Debt/Income ratio: 29%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 21 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:22y 4m
Amount delinquent: $0 Revolving credit balance: $15,891 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: thankful-reward1 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?consolidate

My financial situation:
I am a good candidate for this loan because I have good credit and would like to take advantage of the lower current market?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.20% Starting borrower rate/APR: 12.20% / 14.33% Starting monthly payment: $333.10
 
Auction yield range: 11.20% - 11.20% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Dec-2000 Debt/Income ratio: 49%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:5y 6m
Amount delinquent: $0 Revolving credit balance: $6,750 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: inspired-pound Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Auto Loan
Purpose of loan:
This loan will be used to pay off current auto loan and buy a car for my daughter.
My financial situation:
I am a good candidate for this loan because I always pay my?obligations. I already paid of one of the auto loans I had.?The money I used to pay for this loan wil be used to pay this loan back?

Monthly net income: $2500

Monthly expenses: $
??Housing: $ 1250
??Insurance: $ 60
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $?60
??Food, entertainment: $ 200
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 700
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439607
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $255.14
 
Auction yield range: 8.20% - 8.20% Estimated loss impact: 6.36%  
Lender servicing fee: 1.00% Estimated return: 1.84%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Apr-2003 Debt/Income ratio: 12%
Credit score: 820-839 (Dec-2009) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: ore-chime 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
Home Improvement and down payment
This loan will be used for finishing touches on our remodeling project we started a few months ago but haven't been able to finish.? Also, we need this to help us find a lower interest rate for paying off the small debts we have already. My financial situation: I am a good candidate for this loan because I pay my mortgage on time every month, I am a math teacher and thus have great job stability and security.? My husband and I make good, educated decisions and are always able to pay on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439677
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.13% Starting monthly payment: $44.60
 
Auction yield range: 17.20% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Nov-1973 Debt/Income ratio: 32%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Retired
Now delinquent: 0 Total credit lines: 15Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $842Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96% 
Delinquencies in last 7y: 39 Homeownership: No  
Inquiries last 6m: 2    
Screen name: AlabasterBox5 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
660-679 (May-2008)
 
Principal balance: $2,156.20 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
life transition,mother died,clothes
Purpose of loan:
This loan will be used to??

?? I have an urgent need for a place to?live?and to make a life transition. It was expected to happen in a couple months, but the apartment I?desired is available now on Jan. 2nd (the end of this week) after much searching and concern.?I had to be out by?Jan. 4th from home, which has?lost its' worth and the crime has persisted.?The most beautiful, loving, caring,?inspiring,?productive mother, who gave me the most precious gift parents can give their children, a brother and sister,?passed away at 87 this year and I have had to disassemble her home of nearly forty years, along with the 100 bins of her grand-daughter, who left things here after her divorce.?They wouldn't?sell?mom much life insurance, but she outlived the agents and her doctors, as well.?It was a tear-jerker, but now life starts anew for me. I need your help for moving expenses and new clothes. My background of sacrifice of everything for thirty years and learning everything I could to start anew when the time came,?will now?be productive for family and altruistic reasons for life now. I have so much preparation amongst many?multiple streams?of potential income (obtained one by one), along with 2 new turn-key?operations (the money goes right into bank), that it will not be long before I am successful. (continued in email)
I am a good candidate for this loan because? I have prepared and my family wants me close to them, and they will supplement anything financial I need. You will not be disappointed.

Monthly net income: $ 980+

Monthly expenses: $
??Housing: $ 494
??Insurance: $ 244 (contains other benefits I can cancel,and medicare in few months)
??Car expenses: $ would buy later after success with ventures
??Utilities: $ 50-60
??Phone, cable, internet: $?52
??Food, entertainment: $?food 100
??Clothing, household expenses $?little
??Credit cards and other loans: $ 130/110/16/16 (temporary,I make bigger payments)
??Other expenses: $ limited till ventures start,family will help,I have very basic needs.Please refer to my email I am sending for further elaboration per Prosper. What you want me to pay I will pay.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439683
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: May-1988 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:22y 8m
Amount delinquent: $0 Revolving credit balance: $1,276 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 28%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 7    
Screen name: best-enthusiastic-note 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
New Product ZenFrames
Purpose of loan:
This loan will be used to purchase inventory for our company ZenFrames.com.

My financial situation:
I am a good candidate for this loan because I have companies ready to buy my product.

Monthly net income: $ 15,000


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439689
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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $219.94
 
Auction yield range: 11.20% - 18.00% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: May-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 18 / 17Employment status:Self-employed
Now delinquent: 0 Total credit lines: 31Length of status:13y 2m
Amount delinquent: $0 Revolving credit balance: $57,657 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 2    
Screen name: BSP 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: 0 / 1 On-time: 18 ( 95% ) 640-659 (Latest)
Principal borrowed: $15,000.00< mo. late: 1 ( 5% )  
640-659 (Aug-2009)
640-659 (May-2009)
680-699 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
New Equipment
Purpose of loan:
This loan will be used to?
Purchase a semi-auto cutter.? This cutter will allow me to produce more efficiently business cards, postcards and other full bleed materials in house.? In addition, I will print 81/2x11 programs on 11x17 and 12x18 (full bleed) paper, cut it in half to cut my click charge by 1/2. (0.49 to .0245).Overall, this cutter will help to maintain more jobs in house while cutting production cost and timeMy financial situation:

I am a good candidate for this loan because?
I work very hard not just to maintain but to grow.? In this age of technology if you don't innovate for growth you will go out of business.? I always strive to do better than what I have already done.

Monthly net income: $ 75,000.00

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 100
??Car expenses: $ 125
??Utilities: $ 400
??Phone, cable, internet: $ 600
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1500
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439701
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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $994.00
 
Auction yield range: 17.20% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Feb-1988 Debt/Income ratio: 119%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:7y 3m
Amount delinquent: $0 Revolving credit balance: $86,422 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: determined-commitment Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Please disregard the HR rating, I Had Reasons. This?debt was not accumulated with frivolous spending. It started in December, 2006 when my brother contracted MRSA. He had to be hospitalized for most of 2007, had a heart valve replacement and had many more serious complications. He was finally declared disabled this month after not being able to work for three years.? All this time I paid his Property Taxes so he wouldn?t lose his house. I had to use my credit cards to continue to run both houses.? I'm?paying off my balances, but my credit card rate went to 26%. I plan on using Prosper two times consecutively, hoping to get $25,000.00 each time. I have never defaulted on any loan ever. I paid my bills on time. I was only allowed to add my income on the application, but our household has a combined income of $75,000.00 (my husband?s retirement is a fixed amount each month.) I plan on using the first loan, if it?s the approved for $25,000.00 to pay off five smaller balances, totaling 5,000.00 and the?rest of the loan to pay off one of my two big credit card balances. In three years when I?pay off?this loan, I plan to re-apply to Prosper for my second loan of the same amount for another three years. I feel this is my only hope to clear this debt. I realize I?m carrying a lot of debt but?please consider everything when reviewing my application.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439707
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: 7.40% Starting borrower rate/APR: 8.40% / 11.93% Starting monthly payment: $31.52
 
Auction yield range: 4.20% - 7.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.29%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Jan-1989 Debt/Income ratio: 39%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:10y 2m
Amount delinquent: $0 Revolving credit balance: $14,261 Occupation: Other
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: 0    
Screen name: unbeatable-social8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off some 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: $
1,093.60
Monthly expenses: $
??Housing: $
407.50??Insurance: $
350.00??Car expenses: $ 400.00 plus any repairs
??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 439711
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: 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: $294.03
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Oct-1993 Debt/Income ratio: 20%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 5 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 23Length of status:25y 11m
Amount delinquent: $23 Revolving credit balance: $4,141 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 77%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: icfortune Borrower's state: Idaho 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: 19 ( 95% ) 600-619 (Latest)
Principal borrowed: $5,000.00< mo. late: 1 ( 5% )  
620-639 (Apr-2008)
 
Principal balance: $2,527.52 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
2nd Prosper Loan
Purpose of loan:
This loan will be used to pay?2010 farm costs. (water and fertilizer)

My financial situation:
I am a good candidate for this loan because I have been involved in farming all my life. I am a very honest person. Farm prices, ( dry beans and wheat) are at?high price levels. I am 100% comitted to repaying loan. I have never missed payment on existing loan.

Monthly net income: $ 6000

Monthly expenses: $ 4200
??Housing: $ 1700
??Insurance: $ 500
??Car expenses: $440
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 250????
??Credit cards and other loans: $ 300
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439719
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.30% Starting borrower rate/APR: 12.30% / 14.44% Starting monthly payment: $800.59
 
Auction yield range: 11.20% - 11.30% Estimated loss impact: 10.24%  
Lender servicing fee: 1.00% Estimated return: 1.06%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Apr-1999 Debt/Income ratio: 27%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $237 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: wallstalking Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 39 ( 100% ) 720-739 (Latest)
Principal borrowed: $30,000.00< mo. late: 0 ( 0% )  
720-739 (Jul-2008)
740-759 (Jan-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 39  
Description
No Risk! Third Prosper Loan
Purpose of loan:
This loan will be used to?invest in other opportunities. I am currently a lender on Prosper, but I am looking at a variety of investment opportunities. I feel that I am able to find greater rate of returns than the interest rate that will be applied to the loan in areas such as investment properties, ETFs, etc.? Obviously, regardless of my return I will not have a problem repaying the loan.

Other Prosper loan:
Six months ago I took out a Prosper loan of $17,000.00.? The outstanding balance on that Loan is currently a little over $11,500.00...meaning that I have paid down the loan and I am on course to pay off the loan in about half the time allotted. ?

My financial situation:
I am a good candidate for this loan because?I have been and will continue to be a great Prosper borrower. I currently make 95K a year and my expenses are limited.

Take home after taxes: $5200/month
Utilities: $125/Month
Rent: $700/Month
Phone: $120/Month
Cable: $95/Month
Car: no payment
Insurance: $120/Month
First Prosper Loan: $580/Month
Total Expenses: $1740/Month


This is not an auction...first come, first serve. Let me know if you have any questions.? Thanks.
(Sorry for the multiple listings...I wanted to change the interest rate a few times and the only way to do so is by canceling the listing)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439721
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: $4,750.00 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: $162.46
 
Auction yield range: 6.20% - 13.05% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.83%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Mar-2002 Debt/Income ratio: 25%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:1y 4m
Amount delinquent: $0 Revolving credit balance: $15,557 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 42%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: p2ploan-party 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?2 of my credit cards?and most of a 3rd card.??I want to consolidate these bills into 1 payment.

My financial situation:
I am a good candidate for this loan because I have never been late on any payments for anything i have ever borrowed money for. :) I am a very responsible person who always pays on time or early. I almost have my car paid off and plan to pay more on this loan after I have my car paid off.

Monthly Income: $2450

Monthly Expenses:
Rent- $550
Insurance- $106
Car Expenses- $300
Utilities- $50
Food & Entertainment- $250

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $267.40
 
Auction yield range: 11.20% - 16.00% Estimated loss impact: 10.37%  
Lender servicing fee: 1.00% Estimated return: 5.63%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Feb-1992 Debt/Income ratio: 73%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 32 / 29Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 62Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $127,806 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: green-peaceful-exchange Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
Pay off credit cards that 0% financing offers are coming due. These offers were related to expenses for a rental property and an investment property that is in progress of being rehabbed. Looking to reduce interest costs on carrying these loans going forward.

My financial situation:
I am a good candidate for this loan because I have a car payment (mini-van) that is finishing which will allow me to use those payments toward this loan and extra on other expenses. My wife also brings in income that is not included here. As noted earlier, I also have a rental property that nets about $500 month in additional income. I pay my bills on time. Yes, I have some higher revolving debt balances currently, which are due to real estate investments and related education. I am on the verge of making those investments payoff. For instance, house being rehabbed is close to finishing and will be up for sale soon, which will bring in extra income upon selling. I have very much been part of the credit card industries push to lower credit limits even though I pay my bills on time. I do work full time as a computer programmer / database analyst. Thanks for your consideration in lending me money to help pay off my 0% credit card offers and to save money in interest. My goal is to pay this back within 18 months. My wife and I have 3 wonderful girls.

Monthly net income: $ 4,333 from employer

Monthly expenses: $
??Housing: $ 960
??Insurance: $ 155
??Car expenses: $ 575 + $ 450 ($450 has a few more payments)
??Utilities: $ 250
??Phone, cable, internet: $ 220
??Food, entertainment: $ 800
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1250 (not positive on exact amount)
??Other expenses: $

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439733
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Sep-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Self-employed
Now delinquent: 2 Total credit lines: 41Length of status:20y 11m
Amount delinquent: $724 Revolving credit balance: $342,890 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$100,000+
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: a-transaction-papyrus 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
Debt consolidation loan
I am a successful doctor in the Brandon, Florida area and have been practicing medicine for over 20 years. I am looking to pay down some credit card debt.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439735
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Jul-1994 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 21 / 21Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 54Length of status:4y 6m
Amount delinquent: $4,231 Revolving credit balance: $12,847 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: harmonious-transparency 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
HELPING A FRIEND
Purpose of loan: HELP A FRIND STUCK IN ANOTHER COUNTRY GET HOME
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? hE HAS THEMONEY,,,WHEN HE RETURNS TO THE STATES
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439737
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Nov-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 11 / 12Employment status:Self-employed
Now delinquent: 1 Total credit lines: 29Length of status:3y 11m
Amount delinquent: $1,324 Revolving credit balance: $149,380 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: 3    
Screen name: shorty1234 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Business Credit Cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have a business servies in high demand.

Monthly net income: $ 6000

Monthly expenses: $?1820
??Housing: $ 1050
??Insurance: $
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $?1120
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439739
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $795.20
 
Auction yield range: 17.20% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Mar-1996 Debt/Income ratio: 44%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 18Length of status:5y 4m
Amount delinquent: $377 Revolving credit balance: $11,321 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: hard-working-transparency0 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Combining Debt w/ Lower Interest
Purpose of loan:
To combine all debt at a lower interest rate. Including car payment of $535 a mounth and all Credit cards.

My financial situation:
I have a steady income and have been paying debt consistantly for many years.?

Monthly net income: $ 2750.00 (salary)?+ $150 (bonus) + $1200 (partner) = $ 4100.00

Monthly expenses: $
??Housing: $ 690.00
??Insurance: $ 190.00 (2 cars?+ renters)
??Car expenses: $ 533.00
??Utilities: $ 133.00
??Phone, cable, internet: $ 170.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439745
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: 34.5%  
   
 
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: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Aug-1978 Debt/Income ratio: 72%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 9 / 7Employment status:Retired
Now delinquent: 1 Total credit lines: 28Length of status:10y 6m
Amount delinquent: $1,686 Revolving credit balance: $16,248Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: diligent-cash1 Borrower's state: NewHampshire 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 uexpected bills
Purpose of loan:
This loan will be used to? pay unexpected bills.

My financial situation:
I am a good candidate for this loan because?I have a steady income of 5451 a month.
Unguarranteed income (substitute teaching) $300-$500 per month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 26.00% Starting borrower rate/APR: 27.00% / 29.33% Starting monthly payment: $183.71
 
Auction yield range: 17.20% - 26.00% Estimated loss impact: 26.50%  
Lender servicing fee: 1.00% Estimated return: -0.50%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 3 First credit line: Oct-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 620-639 (Dec-2009) Current / open credit lines: 14 / 13Employment status:Self-employed
Now delinquent: 0 Total credit lines: 35Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $14,368 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 89%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: salixa2346 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
640-659 (Sep-2008)
 
Principal balance: $4,055.38 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Help Growth HR Never Late A+?
Purpose of loan:??
So first things first.? This is my second attempt at a second prosper loan and will be the last if it's not successful.? My credit is A+ when it comes to timely payments and I have never had a delinquent payment.? My credit score is not the greatest becuase unfortnately most places combine your personal identity with?your business identity rather than keeping business loans under my business ID.?I also paid off some credit cards and closed the accounts which I am now finding out I should have left the accounts open becuase it brought my bank card utilization percent up therefore lowering my score.?I take great pride in my credit and it was over 700 before I started my business.? Consider me a trustworthy borrower.
The funds will be used for an equipment purchase. ?I am? trying to avoid raising my customers rates next season by finding ways to save money and time.? I would like to purchase a used commercial riding mower with the funds.? Brand new these machines are?between 8k and 12k dollars.? Normally I'd just walk into the local power equipment store and finance a new one.? Until the economy turns around I would rather play it on the safe side and pick up a slightly used model for a lot less money.? This will allow me to take on more customers next season in addition to servicing?large properties.?

My financial situation:?
I am?financially stable and as I mentioned above, I would normally purchase new?but, due to uncertainties with the economy I am taking the safe road.?I have been in business for six years and each year keeps getting?better.? This year was so good I had one full time employee and one part- time employee.?I am a current prosper customer with 100% on time payments which makes me?a good candidate for this loan.?
Monthly net income: $ 5500

Monthly expenses: $ 2400
??Housing: $950
??Insurance: $ 300
??Car expenses: $ 300
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $100
??Credit cards and other loans: $300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jan-1976 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 20Length of status:8y 6m
Amount delinquent: $0 Revolving credit balance: $14,280 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 92%Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 0    
Screen name: xxlhog1 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
pay down credit cards
Purpose of loan:
This loan will be used to? pay down credit cards

My financial situation:
I am a good candidate for this loan because? I recently got a new account that will be generating more revenue

Monthly net income: $ 7500

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 287
??Car expenses: $ 641
??Utilities: $ 150
??Phone, cable, internet: $ 140
??Food, entertainment: $ 600
??Clothing, household expenses $?150
??Credit cards and other loans: $ 600
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439759
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Aug-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 29Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 4%Stated income:$1-$24,999
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
Online Course to improve my service
Purpose of loan:
This loan will be used to pay for an online course on social media marketing, so I can better learn how to meet my clients' needs.

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.? Sixteen?delinquencies are listed but they are actually for only?one student loan and one credit card.? The loan consisted of?4 smaller loans from each semester in college, but only one payment was actual delinquent but is listed?12 times due to it being sold to different companies over the years and all of them reporting the same delinquency 4x each.

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 439769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Nov-1990 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 10 / 11Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 48Length of status:4y 4m
Amount delinquent: $2,268 Revolving credit balance: $91,088 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: the-yield-implementer Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay for fertility treatments.? My insurance does not cover this.

My financial situation:
I am a good candidate for this loan because I have a regular, healthy income and strong incentive to pay my debts.? I own my home and have been employed with the same company for 4 years and in the same industry for 15.

Monthly net income: $ 6400

Monthly expenses: $
??Housing: $ 2050 ????
??Insurance: $ 300 ????
??Car expenses: $ paid by employer ????
??Utilities: $ 300
??Phone, cable, internet: $200
??Food, entertainment: $ 600
??Clothing, household expenses $200
??Credit cards and other loans: $ 1200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
 
Auction yield range: 8.20% - 20.08% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.11%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Jan-1990 Debt/Income ratio: 21%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 13 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:3y 1m
Amount delinquent: $0 Revolving credit balance: $2,140 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 2    
Screen name: evergreen582 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
Paying my Credit Card
Purpose of loan:
This loan will be used to? pay some of my utilities bill and credit card payment

My financial situation:
I am a good candidate for this loan because? I have a direct deposit that my employer deposit weekly that falls on Thursday and I would really appreciated if you can grant me my request, thank you.

Monthly net income: $ 4544
Monthly expenses: $ 3500
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $ 560
??Utilities: $ 100
??Phone, cable, internet: $ 139
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439779
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: 15.01% Starting borrower rate/APR: 16.01% / 18.19% Starting monthly payment: $263.71
 
Auction yield range: 4.20% - 15.01% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 12.85%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jul-1995 Debt/Income ratio: 15%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:4y 4m
Amount delinquent: $0 Revolving credit balance: $52,318 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: competent-bazaar 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
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off?2 high rate credit cards and retire some additional debts.?

My financial situation:
I am a good candidate for this loan because I have an excellent earnings history, a superior payment record of over 10 years and a committment to not abuse trust. The payments that are being made now on the credit cards (all in good standing) will be used to make the payments on the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439787
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: $14,000.00 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: $633.30
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Sep-1997 Debt/Income ratio: 44%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 64Length of status:13y 6m
Amount delinquent: $0 Revolving credit balance: $25,044 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: treasure-alert Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?to pay off most of my creit cards so i have just one payment.?

My financial situation:
I am a good candidate for this loan because? i work hard to get a head and try to pay off what i can early

Monthly net income: $
5300
Monthly expenses: $
??Housing: $ 1984
??Insurance: $ 200
??Car expenses: $ 318
??Utilities: $ 80
??Phone, cable, internet: $
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439791
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: 25.0%  
   
 
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: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Jul-1970 Debt/Income ratio: 31%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:16y 1m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 24 Homeownership: No  
Inquiries last 6m: 2    
Screen name: rrb4657 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
Growth Capital Needed
Purpose of loan:
This loan will be used to? fund growth. Even in a bad economy, we find most people are staying in their current ?home and renovating to make? the home more enjoyable . We have increased our yearly sales from the previous year and had? to hire more employees to keep pace with the projects.

?We have increased our sales over 30% from the previous year.? Sales this year will be over $400,000.? We need additional funds to buy product (kitchen cabinets, vanities, tile, trims, etc) as well as two or three extra employees.

?We are based in Marietta, GA a suburb of Atlanta, with a market of over 1,000,000 people.We have a store front on a main thourghfare, with over 35,000 cars per day in front of our showroom of 6,000 sf. In our showroom we have models of kitchens and baths and show product lines where our designer and customers can meet to specify items for their remodeling project.?

We sell product such as kitchen cabinets and accessories, bath enclosures, stone and tile, hardwood flooring, carpeting, lighting, plantation shutters & blinds, granite, quartz countertops and much more.
My financial situation:
I am a good candidate for this loan because? We pay for our product as the job comes in, therefor have no real debt accumlation.? We do have open credit accounts and current owe less than $5,000.00 for all open lines of credit.? We are making a modest net profit each month which would allow us to pay back this loan.

Monthly net income: $ 5,000

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 439793
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-1991 Debt/Income ratio: 159%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:9y 5m
Amount delinquent: $0 Revolving credit balance: $61,542 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: sincere-peace5 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
pay down debt
Purpose of loan:
This loan will be used to? pay down credit cards. i cannot wait. i am looking for a zero balance

My financial situation:
I am a good candidate for this loan because? i pay my debts and on time

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 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 439797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $238.56
 
Auction yield range: 17.20% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Feb-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 12 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 33Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $16,715 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wiggie 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
Help me get through the winter
Purpose of loan:
This loan will be used to?help me get my business through the winter.? I own a 15,000 square foot antique mall.? It is?located?in a tourist area and business REALLY slows down in the winter.? I have about 60 dealers that pay me rent which pays expenses of the shop.? I plan on raising the rent in the spring, when the contracts are due to be renewed.? However, I will need some help with the shop's?expenses to get through the winter.? I have tried the bank, but the lending is still really tight with them, and alas,no?loan.?

My financial situation:
I am a good candidate for this loan because??? the shop gets 10% of what is sold in the shop.? It gets about $8500 per month from the dealers paying rents.? All of my spaces are rented out and I have a 3 page waiting list for spaces.? We have been open a little over 2 years, but just moved into this bigger space last May. And I plan on raising the rent in May in order to be able to meet the shops expenses better.

Monthly net income: $ 8500.00 ++

Monthly expenses: $
??Housing: $ 6500.00 rent
??Insurance: $?120.00
??Adveritising $ 500.00
??Utilities: $ 1300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ NA
??Clothing, household expenses $ NA
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,500.00 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: $1,063.05
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Nov-2002 Debt/Income ratio: 56%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 28Length of status:1y 11m
Amount delinquent: $41 Revolving credit balance: $14,413 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: thecatsclaw 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 50 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,500.00< mo. late: 0 ( 0% )  
580-599 (Aug-2008)
520-539 (Jun-2008)
540-559 (Apr-2008)
560-579 (Jan-2008)
 
Principal balance: $1,493.79 1+ mo. late: 0 ( 0% )
Total payments billed: 50  
Description
Home Repair needed for water damage
Purpose of loan:
We have had so much rain this year that the French drain we had just above our house actually got washed up.? This means that the water poured into our basement where my son is now living.? We have pulled up the carpet and cleared out the room.? The walls are not dry but we are going to have to pull out the sheet rock as well.? Basically, we are going to have to ?rebuild? that room.? Along with repairing the French drain out side which will take digging up the entire upper side of the house. My son is 22 and was laid off not long ago and now, bless his heart, he is sleeping on our couch. Of course, water damage?is not covered by our insurance.? I am looking for a loan that will help us repair the room down stairs and the outside of our house.? It would also help us if we could consolidate everything into one bill per month.? We have the one Prosper loan, 2 car loans with only a small amount left, and various smaller loans and credit cards.?

My financial situation:
My credit score is down because of the business I used to own.? The business is now closed but I have some things I am still paying off.? My bills are all paid on time, I just have several.? Some are close to the credit limit which lowers the score.? The consolidation portion of this loan should improve the score.? Things have been tight with the business failing and still 2 kids in college but I have a stable job with a Credit Union.? Our Credit Union is in good shape and has not made any of those bad loans.? I work hard and make sure I am completing my tasks and qualify to keep my job.

Monthly net income: $ 5, 736

Monthly expenses: $?
Housing: $??My husband pays this bill??
Insurance: $?Auto and Life = 700??
Car expenses: $ Various cars?=?951 (I?have car notes for the kids as well as mine)??
Utilities: $?448??
Phone, cable, internet: $ 375??
Food, entertainment, Gas: $?700??
Credit cards and other loans: $ 1,138??
Other expenses: $ 922 (Rental property mortgage payment)
Monthly Expenses reduced: $ 920 (Prosper loan, 2 car loans, and credit cards (which I will cancel all but one))
We really need our house repaired so mold won't start to grow.? Also, we have 2 other kids in college and getting everything under one payment with a goal of paying it off in 3 years would help us greatly. Please consider funding this loan. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439807
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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $277.32
 
Auction yield range: 11.20% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Nov-1993 Debt/Income ratio: 19%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:25y 3m
Amount delinquent: $0 Revolving credit balance: $11,682 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 80%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: camaraderi-observatory Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest cards
Purpose of loan:
This loan will be used to pay off high interest credit cards and never use them again!

My financial situation:
I am a good candidate for this loan because I always pay on time and have a very good income from my job as a US Air Force weapons technician.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439809
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $346.65
 
Auction yield range: 8.20% - 14.00% Estimated loss impact: 7.31%  
Lender servicing fee: 1.00% Estimated return: 6.69%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Apr-1996 Debt/Income ratio: 9%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 7 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $2,386 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 6%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: reward-recruiter8 Borrower's state: Mississippi 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 reliable car for work
Purpose of loan:
This loan will be used to purchase a reliable auto for use in my job as a social worker with a national hospice company.

My financial situation:
I am a good candidate for this loan because I have always paid my debts, do not usually have any outstanding bills and pay cash for all needs. I receive a monthly salary, as well as mileage reimbursement and I have accepted a part-time position at a hospital to begin 02/01/2010 to supplement income until my debts are again at zero.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $480.49
 
Auction yield range: 3.20% - 8.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Jan-1986 Debt/Income ratio: 4%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 52Length of status:16y 8m
Amount delinquent: $0 Revolving credit balance: $158,360 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 80%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: economy-structure9 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
Trucks / Equipment / Inventory
First, a quick explanation.?? My income is as follows:
Monthly proceeds from previously sold business:? $84,000/yr?? 7000/mo (10 yrs + balloon pmt)
Commissions from sales (working part time for previously sold business): $52000?
Salary for working in family business (employee only...not a principal): $84,000/yr.
Income from new business venture:? $10,000 in '08 (5 months) $53,000 ytd in '09 (before depreciation)

I'm not counting the income from the new business in my stated income, though I do anticipate it being my primary income source in the near future.? The business is doing very well and the reason for this loan...

Purpose of loan:
This loan will be used to...

I started the new business (a wholesale landscape supply/sod distribution center) with the intention of keeping it debt free.? I purchased the initial equipment and inventory out of pocket and hoped the profits would generate the needed cash flow for expansion.? while there have been profits, the business is expanding faster than internal cash flow can generate.? I've purchased additional equipment and inventory?using the '09 profits, and a major national home repair center has just committed to tripling the number of stores we service.? This is a good problem! We will need to add store displays to these stores at a cost of approximately $25,000, plus add additional inventory for in-house sales and probably another truck.

The loan i'm asking for is only a portion of what I need, but I thought I'd start small and see how it goes.? I have other sources too, but thought the?"cool" factor of this was worth trying.? If the interest rate comes out too high on this, i'll likely pay it off shortly.



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

I have a history of making payments on time and paying off loans, as well as building a profitable and lasting business.

thanks for your consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439817
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: $6,001.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $232.30
 
Auction yield range: 8.20% - 22.00% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 14.98%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Aug-1988 Debt/Income ratio: 17%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 26 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 40Length of status:17y 4m
Amount delinquent: $0 Revolving credit balance: $21,124 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$100,000+
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: corc3 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 89% ) 680-699 (Latest)
Principal borrowed: $10,000.00< mo. late: 2 ( 6% )  
580-599 (Nov-2007)
600-619 (Aug-2006)
 
Principal balance: $0.00 1+ mo. late: 2 ( 6% )
Total payments billed: 36  
Description
tax payments
I am a professional with a strong income $160,000+ MBA with long term employment at current employer (17+ years) Debt to income is relatively low. loan is for tax payments.All debt is current and I have the ability to service debt.?I had a $10000 loan on Prosper? that has? been paid off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439821
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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $954.76
 
Auction yield range: 17.20% - 21.00% Estimated loss impact: 19.19%  
Lender servicing fee: 1.00% Estimated return: 1.81%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Mar-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 34Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $77,349 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: commitment-trident 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
CONSOLIDATON &CAPITALIZATION
Purpose of loan:
?A combination of business consolidation, reworking LEDsign and partial recapitalization of Business?for fha approval
My financial situation:
I am a good candidate for this loan because?I have been in the lending and Real Estate field?since 1980. I have obtained professional designations that less than 2% of the industry hold. We have NEVER missed a payment and prior to new banking regulations we were well set to?obtain our "Eagle" for lending. New regulations would require that a lender have a net worth of 1,000,000 with 20 % liquidity by the end of 2010 and $2,5000,000 by the year 2012. Recent changes have made our company only pursue a" Mini Eagle" which still gives us the right to originate FHA Loans. Our company owns a?one year old?5000 square ft.building just off of I-85 in the upstate of SOuth Carolina?and we are willing to secure with a second mortgage if necessary.Property is in the heart of the BMW corridor and worth $900k to $950k with only $600k owed currrently. It also has the capability to rent another 1500 square foot for $950 -1000 per month. We have over 2500 clients over the years from the Mortgage side and the Real estate Company will be able to feed the mortgage side. Gross receipts had been 300k-400k annually however change in legislation almost made it impossible to close" non fha" loans. We will be briinging on approximately 4-5 agents on the Real Estate side and wish to expand our reach into a property management division?". This will improve monthly rentals and increase additional presence into the Real Estate Owned AREA for handling foreclosures. I am licensed in South Carolina and New York and as the BIC of a realty company and President of a Financial Corporation. I am not allowed to let my credit standing deteriorate. We are located just off of I-85 in the heart of the BMW Corridor. Surrounding businesses include BMW, Michelin, Leer Seating, Cryovac, Draxelmaier and Flour Daniels. Recently a Cracker Barrell was built right next to our office and we are before Bank of America. We are also one of three offices in the upstate that are recommended by Dave Ramsey to do business with.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439823
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: $3,600.00 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: $162.85
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Aug-1998 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 9    
Screen name: red-stylish-listing Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Get out of Payday Loan Trap
Purpose of loan:
This loan will be used to eliminate payday loans.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and I can afford the new payment and can pay this loan off early. I am currently in the payday loan trap which is costing me approximately $1500.00 per month. By obtaining a loan from Prosper, I will be able to save approximately $1200.00 per month. It will definately help my situation and my health.

Monthly net income: $ 3000.00

Monthly expenses:?
??Housing: $ 1125.00
??Insurance: $ 180.00????
??Car expenses: $ 240.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 125.00
??Food: $ 200.00
??Credit cards and other loans: $ The only other debt I have is the payday loans which run about $1500.00 per month?
??Other expenses: $ 50.00 (medical)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439827
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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 4Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 10Length of status:11y 6m
Amount delinquent: $0 Revolving credit balance: $2,712 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: funds-philosopher1 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
paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439829
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Aug-2003 Debt/Income ratio: 20%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 24Length of status:12y 6m
Amount delinquent: $3,069 Revolving credit balance: $19,316 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: FASTIZIO_P Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 22 ( 96% ) 680-699 (Latest)
Principal borrowed: $25,000.00< mo. late: 1 ( 4% )  
760-779 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Paying off my cedit cards
Purpose of loan:
(explain what you will be using this loan for)
I need this loan to pay off my high interest loans.
My financial situation:
(explain why you are a good candidate for paying back this loan)
I have a great income and a great reason for the loan. I am high seniority at my job with contracted raises of 4-5% a year. I have had a loan with prosper before. It was for 25,000. I paid it off in less than two years. .
Monthly net income: $
6500 from my job. Another 8300 from annuities.
Monthly expenses: $
??Housing: $ 3200
??Insurance: $ 320
??Car expenses: $ 420.00
??Utilities: $?400
??Phone, cable, internet: $ 125
??Food, entertainment: $?650
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000 for building expenses on newly finished remodel.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439839
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $30.49
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.55%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Jun-1999 Debt/Income ratio: 53%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $26,889 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 43%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: thrilling-commerce 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 my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439845
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 31.67% Starting borrower rate/APR: 32.67% / 35.09% Starting monthly payment: $219.64
 
Auction yield range: 14.20% - 31.67% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.21%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Apr-1999 Debt/Income ratio: 40%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:8y 1m
Amount delinquent: $0 Revolving credit balance: $4,053 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 83%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: value-raccoon Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
This loan will be used to? payoff debts necessary to get my debt to income ratio down enough to obtain a loan from the VA to buy a home

My financial situation:
I am a good candidate for this loan because? I have sufficient income to repay loan in a timely manner and lower my debt to income


Monthly expenses: $
??Housing: $ 0
??Insurance: $ 66
??Car expenses: $ 150
??Utilities: $ 100
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 750
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439847
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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.44% Starting monthly payment: $54.28
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Mar-1999 Debt/Income ratio: 28%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 8 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 33Length of status:8y 9m
Amount delinquent: $398 Revolving credit balance: $151 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 3    
Screen name: urbane-community 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
personal loan
Purpose of loan:
This loan will be used for personal use.

My financial situation:
I am a good candidate for this loan because I am very conscientious of my credit rating and give my full effort to pay bills on time.
Monthly net income: $
1950.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 85.00?
??Car expenses: $ 211.00
??Utilities: $ 0
??Phone, cable, internet: $100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?100.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439851
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: 8.5%  
   
 
Starting lender yield: 25.58% Starting borrower rate/APR: 26.58% / 28.91% Starting monthly payment: $1,015.01
 
Auction yield range: 8.20% - 25.58% Estimated loss impact: 9.11%  
Lender servicing fee: 1.00% Estimated return: 16.47%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Jan-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 24Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $12,665 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 22%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: dedication-communicator 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
BBQ Restaurant
Purpose of loan:
This loan will be used to fund the start up of a small BBQ restaurant in the Huntington Beach, CA area.? Location will also support existing catering operation.? BBQ is up and coming cuisine, and suited to both the area and surrounding demographic.? The business utlilized a leased kitchen arrangement in a local sports bar?from Sept thru November for proof of concept.? With little marketing, top quality product, and attractive price points, business doubled in 2 months - Sales dollars @ 4 times total costs.? Background as a competitive BBQ pitmaster, community?involvement (High schools, civic organizations, clubs, etc), and accurate, confident representation of the business, and superior product/value?are the differential advantage for Rancho Rocke BBQ.?

My financial situation:
I am a good candidate for this loan because I understand the importance of financial commitment, and put reputation above all else.? I am confident the loan amount will be paid in time, if not early for the term agreed upon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439869
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: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
 
Auction yield range: 11.20% - 30.24% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.48%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Dec-1984 Debt/Income ratio: 15%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 36Length of status:3y 4m
Amount delinquent: $4,429 Revolving credit balance: $686 Occupation: Nurse (RN)
Public records last 12m / 10y: 1/ 3 Bankcard utilization: 5%Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Homeownership: No  
Inquiries last 6m: 0    
Screen name: ready-duty1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt, dental expenses
Purpose of loan:
My first attempt at securing a loan was unsuccessful through this site.I then was lured into a scam loan and ended up losing 1400.00 of my money in an attempt to secure another loan.Obviously that has left me in worse shape than I was two weeks ago.I really need to streamline some bills and begin to finish all the dental work needed for me to be able to eat without pain.I was hoping to start the new year in a better position financially considering my dental bills, my daughter?s travel softball costs and commitments, my holiday bills, school bills and the need for consolidating orthodontic, car repair, and credit card debt.Please consider funding this loan.I will pay every penny back timely, as I will be grateful for the opportunity.
My financial situation:
I am a good candidate for this loan.I am a nurse, and am going to school to finish my Nurse Practitioner schooling.I look forward to the independence of practicing, caring for people as their primary care provider.The stress of life, school and kids is enough without the stress of money.I would love the little bit of breathing room this would provide me.Thank you for your consideration of funding my loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $543.79
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.25%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jun-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 11 / 11Employment status:Self-employed
Now delinquent: 1 Total credit lines: 18Length of status:3y 9m
Amount delinquent: $44 Revolving credit balance: $3,086 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 63%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: billingsley_dorothy Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 57 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,600.00< mo. late: 0 ( 0% )  
640-659 (Nov-2007)
640-659 (Feb-2007)
 
Principal balance: $582.43 1+ mo. late: 0 ( 0% )
Total payments billed: 57  
Description
Hello again Prosper
Hello again Prosper,

Thank you very much for taking the time to review and bid on my loan request. ?I currently have a loan that is being paid on time, and a previous loan that has been paid in full and I was never late on any payments.? I am looking forward to continue building my reputation and positive business relationship with Prosper. This will also allow me to continue building my FICO score. ?For this loan I am requesting $15,000. ?With this loan, I will pay off my current loan with Prosper as well as pay off my schooling and medical bills, and?invest in my daughter?s invention by helping her pay it off for it to be finalized.

Here is my monthly financial detail:

Net (monthly) income- $2,628
Rent-$871
Car- $267
Life insurance- $134
Auto insurance- $94
Telephone- $19
Food- $250
Gas (for auto)- $60
Utilities- $67

Total- $1,762

I will have $866 left to pay towards this loan monthly. As I have kept my promises before, I will not let Prosper and its affiliates down. You have my 100% guarantee as well as my history which speaks for itself. ?Please continue to give me the chance to show you that I am worthy of your trust. ?Thanks again, for taking the time to review my loan request!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439877
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-1990 Debt/Income ratio: 77%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:8y 10m
Amount delinquent: $0 Revolving credit balance: $49,610 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: growing-sales2 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing from business startup
Purpose of loan:
This loan will be used as a first step in refinancing credit card debt incurred during the business start up of Impulse Creations. The business has been profitable for several years but interest on credit cards is limiting growth. This initial loan is the first to prove myself here on Prosper and other loans will follow until all debt has been refinanced.

My financial situation:
I am a good candidate for this loan because I pay both all business and personal debts on time with no exceptions. I have no late payments of any kind. This business debt on personal cards gives me a high debt to income ratio but the debt is actually a business expense and is paid for with business funds which are far more than sufficient. Once business debt on personal cards is removed from the equation, the debt to income ratio is excellent and would greatly improve the Prosper rating.

I have no problem meeting current or future obligations and take those obligations seriously. Creditors and my customers come first before anything else. In addition, this loan will not incur any new debt since it will be used exclusively to pay off old debt.

Monthly net income: $ 4335.00

Monthly expenses: $ 2450.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $311.85
 
Auction yield range: 11.20% - 27.40% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.72%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: May-1995 Debt/Income ratio: 23%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:10y 6m
Amount delinquent: $0 Revolving credit balance: $24,216 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: credit-atizer5 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? Pay off existing credit cards

My financial situation:
I am a good candidate for this loan because?I believe?in paying off all of my debts???

Monthly net income: $ 11,500????

Monthly expenses: $
??Housing: $ 3,000
??Insurance: $?500
??Car expenses: $440
??Utilities: $ 350
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1200
??Clothing, household expenses $ 700
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439889
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: 33.50% Starting borrower rate/APR: 34.50% / 36.95% Starting monthly payment: $89.91
 
Auction yield range: 11.20% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jun-1994 Debt/Income ratio: 38%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $37,531 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: benefit-statue Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an engagement ring
Purpose of loan:
This loan will be used to pay?for an engagement ring?and to consolidate debit and get some credit cards paid off faster.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. I am working a lot of overtime right now and my main goal in life?is to get my finances in order and im paying as much as I can every month to get my bills to a minimum so after my engagement I can one day buy a house.

Monthly net income: $ 2400 take home before overtime. 3000 to 3500 after ot.

Monthly expenses: $ 1430
??Housing: $ 0
??Insurance: $ 120
??Car expenses: $ 450
??Utilities: $ 0
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $164.95
 
Auction yield range: 17.20% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Oct-1992 Debt/Income ratio: 44%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:11y 2m
Amount delinquent: $0 Revolving credit balance: $42,304 Occupation: Other
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: 3    
Screen name: currency-brilliance8 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
personal
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439897
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: 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: $226.18
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Oct-1995 Debt/Income ratio: 53%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 33Length of status:1y 1m
Amount delinquent: $1,586 Revolving credit balance: $20,573 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12%Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Homeownership: No  
Inquiries last 6m: 2    
Screen name: Dell2004 Borrower's state: Georgia 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.
Description
Debt consolidation
Purpose of loan:
Payoff High Interest Lenders
My financial situation:
Stable job in a stable industry?making fairly good income?

Monthly net income: $ 2200

Monthly expenses: $ 1550
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 600
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439899
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%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Aug-1997 Debt/Income ratio: 34%
Credit score: 700-719 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 22Length of status:7y 7m
Amount delinquent: $1,230 Revolving credit balance: $2,474 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: blue-mindful-velocity 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
Catching Up on Bills
Purpose of loan:
This loan will be used to? pay off bills that we have fallen behind on. I know in looking at my credit history, the past couple of months have some delinquent items, but that's all a result of my company initating mandatory furloughs (which are over with as of the beginning of the year) and a dropoff in my wife's work.

My financial situation:
I am a good candidate for this loan because? first of all. I always pay back what I have owed. I have a?B.S. degree, am well known in the community I?live in (I work on-air in the media) and while our financial situation has been rough the past couple of months, there is?a light ahead. My job is stable due to a contract extension,?I am salaried, and due to the unfortunate circumstances of my father in law passing away in November, we found out that we are?coming into $1,800 in February, and?$600/month through?2015 from his pension plan, an?unexpected gift. That combined with our tax return should greatly impact our financial situation in a positive way. I plan on paying this?loan off as early as possible. ?

Monthly net income: $ $2,550

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 439901
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: 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: $102.61
 
Auction yield range: 6.20% - 13.05% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.83%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Jul-2000 Debt/Income ratio: 7%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:0y 0m
Amount delinquent: $0 Revolving credit balance: $1,192 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: keen-social3 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
Wedding
Purpose of loan:
This? loan will be used to help pay for some of my wedding expenses.

My financial situation:
I am a good candidate for this loan because I?always? pay off any debt I acquire before it is? due. Along with this , I have a steady career in the culinary field working as Chef at the Hotel Barronette.... At my place of employment I get steady hours(40+hours a week)?and have recently recieved a pay increase which will make it easy to pay off my loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439905
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: $15,300.00 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: $692.11
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-2004 Debt/Income ratio: 41%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:4y 8m
Amount delinquent: $0 Revolving credit balance: $8,846 Occupation: Other
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: keen-euro 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
Payoff credit cards/tuition balance
Greetings-

I plan to use this loan to consolidate my credit card and tuition debt. I have a five year plan beginning January 2010 to pay off my debt in the first 3 years, and then save towards a deposit on my first home in the last two years. I have no late payments, overdue accounts or derogatory information on my credit history.

My monthly net income is: $2192
Monthly net expenses are: $2073
Breakdown of monthly expenses in USD:
Gas for month 80.00
Car Insurance 120.00
Cable+Internet 95.00
Cell Phone 60.00
Groceries 100.00
Electric bill 45.00
BOA cr-card 130.00
Wpccu cr-card 120.00
Wpccu Loan 125.00
Chase cr-card 55.00
Apt Rent 879.00
Car Note 264.00

Total: 2,073.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Feb-1983 Debt/Income ratio: 30%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 15 / 12Employment status:Retired
Now delinquent: 0 Total credit lines: 33Length of status:2y 10m
Amount delinquent: $0 Revolving credit balance: $29,038Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84% 
Delinquencies in last 7y: 6 Homeownership: No  
Inquiries last 6m: 4    
Screen name: brightest-pleasant-point Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards and auto re
Purpose of loan:
This loan will be used to? make auto repairs and pay down credit cards

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

Monthly net income: $ 5,000.00

Monthly expenses: $ 2,000.00
??Housing: $ 500,00
??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 439909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 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: $367.84
 
Auction yield range: 4.20% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.28%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Oct-2001 Debt/Income ratio: 10%
Credit score: 740-759 (Dec-2009) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:4y 8m
Amount delinquent: $0 Revolving credit balance: $3,636 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: gain-youngster Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying my dream horse
Purpose of loan:
This loan will be used to buy the horse of my dreams.

My financial situation:
I am a good candidate for this loan because I have very good credit, an excellent job, and no major bills or debt.? I am financially responsible and my biggest "fault" is that I have not had any major purchases or loans in the past to establish and build a better credit score.? I do not have any rent payments, nor do I have a house payment.? While I have a strong savings and retirement account for my age, I would like to take the opportunity to establish myself with a solid loan history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 30.01% Starting monthly payment: $61.56
 
Auction yield range: 11.20% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Oct-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2009) Current / open credit lines: 8 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 20Length of status:3y 6m
Amount delinquent: $0 Revolving credit balance: $3,396 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 85%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bold-majestic-rupee 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
Starting off the New Year right
Purpose of loan:
I will use this loan to pay off a credit card and fix my car. I am trying to start off my new year right. If I could consolidate and start over, I truly believe this year will be a great one for saving and restructuring my finances. I just need a little help to get started.

My financial situation:
I am a good candidate for this loan because?
I have steady work starting after the first of the year.? I have always been very good about making payments, whatever they may be, on time and always a little extra if I can swing it. I may not have a high rating on Prosper, however, if you take a chance on me you will not regret it.

Monthly net income: $ 2,000

Monthly expenses: $
??Housing: $ 350 ???? ???? ????
??Insurance: $ 75
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $274.92
 
Auction yield range: 17.20% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Jan-2000 Debt/Income ratio: 13%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:10y 7m
Amount delinquent: $0 Revolving credit balance: $18,964 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: contract-owner 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
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off my high rate credit card. I was involved in a major remodel on an investment home. Long story short, I racked up my credit card completing the project. I had absolutely no credit card debt prior to this project.

My financial situation:
I am a good candidate for this loan because I am very reliable financially. My credit score prior to this project was 740. The only reason it has dropped is because of high credit limits.

Monthly net income: $3,600

Monthly expenses: $2,600
??Housing: $1,200
??Insurance: $0(company paid)
??Car expenses: $0(company paid)
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $700
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439925
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: 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: $725.06
 
Auction yield range: 17.20% - 17.20% Estimated loss impact: 35.45%  
Lender servicing fee: 1.00% Estimated return: -18.25%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Jul-1990 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2009) Current / open credit lines: 2 / 2Employment status:Not employed
Now delinquent: 1 Total credit lines: 22Length of status:4y 8m
Amount delinquent: $0 Revolving credit balance: $0Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: ladysky 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
help friend, remodel bath
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 439927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,105.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 18.26% Starting borrower rate/APR: 19.26% / 21.49% Starting monthly payment: $849.98
 
Auction yield range: 17.20% - 18.26% Estimated loss impact: 26.02%  
Lender servicing fee: 1.00% Estimated return: -7.76%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 2 First credit line: Feb-1977 Debt/Income ratio: 39%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 18 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $10,789 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: army_mom25 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 97% ) 620-639 (Latest)
Principal borrowed: $28,400.00< mo. late: 2 ( 3% )  
640-659 (Nov-2007)
620-639 (Nov-2006)
 
Principal balance: $1,872.28 1+ mo. late: 0 ( 0% )
Total payments billed: 60  
Description
IRS Repayment (2nd Loan)
BackgroundMy first loan with Prosper?was funded December 2006 and paid in full December 2007.??I am continuing my growth to a better financial future and appreciate you taking the time to review my loan.? I have recently this last year gone through a divorce and as I made the majority of the income, I agreed to take on the debt.? One of those items that looms in front of me is 2005 and 2006 back taxes during a recent audit.

Hi, I a mother of 3 grandmother of 4. Currently I am employed as a Principal Consultant in a Health Care Consulting Firm (obtained my MBA/HCM in 2001).??I have a successful career, have been in the field for over 24 years. I purchased our home in June 2005 & have approximately $50,000 equity in the home. I then purchased 10 arces of land in Colorado with approximately 75,000 equity.??I would have no problem making the monthly payment through automatic payment to give you the assurance of my commitment?for the repayment of the loan. I am willing to share any information you feel necessary to prove my trustworthiness. Thank you for your consideration of my loan.

Gross annual income $280,000 (This does not include 1099 Independent work)

MONTHLY Bgt
Monthly expenses: 6,796
Monthly Income: 12,500 (1099 Independent work not included)

DEBTS (Pay off with Loan)
2005 Federal Taxes?? 3654.39
2006 Federal Taxes 12000.00
2005 Colorado Tax???? 6000.00

Goal is to pay off outstanding back taxes and reduce monthly penalties.? I am currently on a repayment plan with both the?IRS and Colorado state, but would like to secure a loan with?prosper to completely eliminate the debt with taxes and secure a 3 year payment plan with Prosper. ?You will note credit card usage?is due to my career and will see that the repayment of the balances is done multiple times a month in coordination of the reimbursement.? I travel for a living and many times the travel expenses are not reimbursed until 30-60 days after the initial charge.?
Once again, Thank You for taking the time to review my listing. ?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Jun-1995 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Not employed
Now delinquent: 0 Total credit lines: 31Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $2,030Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92% 
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: well-rounded-dime 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
Start-up capital for new business
I recently joined Herbalife as an Independent Distributor making 25% commission on retail sales. The purpose of this loan will be to purchase inventory stock?that will?advance me to the supervisor level where I will immediately begin to earn 50% commission on retail sales, as well as wholesale commission, royalties and bonuses.?A portion of this loan will also be used to fund my attendance at the?Leadership Development Weekend?in January 2010?that will be attended by only supervisors and above. Herbalife's?Millionaire team members will be sharing their successful money making methods with those in attendance.?However, in order to advance to the supervisor level to immediately increase my?earnings?and be able to attend the LDW next month, I must place my supervisor order by January 4, 2010.

I have a burning desire to be my own boss and am teaming up with a stable company that has been in business for over 28 years.? Herbalife has over 1.9 million Independent Distributors in 70 countries and record retail sales of $3.8 billion in?2008. The company offers a generous compensation plan to supervisors and above; they have impressive training (that I have already started); they have science-based products (that I have begun taking and have already lost 5 lbs and several inches in one week, and have also increased my energy). They also have a proven business model that has been used by?countless individuals like me who put their faith and trust in Herbalife and are now their own boss and enjoying financial freedom.

In addition to?the generous compensation plan that Herbalife offers and my drive and determination to be another Herbalife success story;?my grown sons live with me and?pay the mortgage and home expenses so there will not be a problem making the monthly loan payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439933
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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.56% Starting borrower rate/APR: 16.56% / 18.75% Starting monthly payment: $354.34
 
Auction yield range: 6.20% - 15.56% Estimated loss impact: 5.27%  
Lender servicing fee: 1.00% Estimated return: 10.29%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-1993 Debt/Income ratio: 21%
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 $55K 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.? This loan would enable me to pay off two of the smaller credit cards and consolidate them into one payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439935
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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 20.55% Starting borrower rate/APR: 21.55% / 23.81% Starting monthly payment: $379.58
 
Auction yield range: 8.20% - 20.55% Estimated loss impact: 6.68%  
Lender servicing fee: 1.00% Estimated return: 13.87%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Aug-1998 Debt/Income ratio: 64%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:5y 11m
Amount delinquent: $0 Revolving credit balance: $202 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: terrific-rate6 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 debt
Purpose of loan:
This loan will be used to?
pay off the small amount of loans that I currently have so that I can just make one monthly payment instead of several payments.
My financial situation:
I am a good candidate for this loan because?
I am in United States Army and my credit rating is very important to me and if I don't pay my bills on time I would be putting my family, house, and job in jeopardy. I use my credit wisely and when I take out loans, I make sure I pay more than the montly payment to pay off the loan fast and not incur as much interest as I would if I would pay just the minimum. The money would be used wisely and would help me and my family out a lot.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439937
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: 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: $294.03
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Feb-2001 Debt/Income ratio: 56%
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 439947
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 5.15% Starting borrower rate/APR: 6.15% / 6.49% Starting monthly payment: $45.73
 
Auction yield range: 3.20% - 5.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.55%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Dec-1985 Debt/Income ratio: 67%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $119,879 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: palmetto0 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying property/city taxes
Purpose of loan:
This loan will be used to? assist my husband with paying?the property and city ?taxes on?our home. If any funds are left over?I?will use it to pay off my son's medical bills from his four surgeries on his ankle. The medical bills are small amounts....

My financial situation:
I am a good candidate for this loan because??my credit is good and I pay? all my bills and I?pay them ?on time.. My credit history reflects this...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439949
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: $2,200.00 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: $99.52
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Dec-1980 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 14Length of status:29y 6m
Amount delinquent: $8,264 Revolving credit balance: $1,273 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: roadking13 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
660-679 (Nov-2009)
560-579 (Aug-2008)
 
Principal balance: $2,668.39 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
2nd Prosper loan, consolidate bills
Purpose of loan:
I want to combine my smaller bills into one to get them paid off faster.? I have been working very hard at repairing my credit to which since the last loan my score has increased from the 560 mark on credit karma it is up to 665.? I feel that if?I can combine all these together I can pay more on these each month and?hopefully instead of the 36 months I can pay off a little faster than the 36 months.? I have worked and strived hard to get my credit to back where?it was which was excellent and I feel I am on my way and this will help me even more to accomplish this goal.? ? The one bill that is in deliquency for $8400 is a Sears CC and balance had fell behind and went to a collection agency back a few years ago when I was having a hard time but I have had a payment plan with them for over a year feel like I am making a lot of progress.? I have talked with this credit company about a reduction in amount taking off interest and late fees and they are willing to work with me.?? Would love to be able to pay these off and therefore I can pay my other bill off much more faster..? It would just relieve some stress and help to get my credit back to top notch standing.? I feel I have made great progress and just need a little help to accomplish my goal.? Please help me to do that.? Please, Please help me to get to a debt free life.? Your help would be a tremendous help in achieving this goal.


Monthly net income: $ 2950

Monthly expenses: $ 2133
??Housing: $ 1236??Insurance: $?53??????????Car expenses: $ 50??Utilities: $?175??Food, entertainment: $ 100? Credit cards?$320? Loans:? $199
My wife pays for part of the bills and me the other part so that is why I have not included some.

Please help me start my new year out on a better note.? Please, Please help me get debt free, please give me a chance to get everything paid off..??I need your help!!? Thank you so much for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,999.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $797.29
 
Auction yield range: 8.20% - 8.20% Estimated loss impact: 6.36%  
Lender servicing fee: 1.00% Estimated return: 1.84%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Jul-1992 Debt/Income ratio: 19%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:10y 0m
Amount delinquent: $0 Revolving credit balance: $16,566 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Ponderosa700 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 800-819 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
800-819 (Apr-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Paying off credit cards
Same job for past 20 years. To be used to consolidate credit cards. Own 2 cars, no car payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439955
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: 14.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $92.91
 
Auction yield range: 14.20% - 19.00% Estimated loss impact: 14.84%  
Lender servicing fee: 1.00% Estimated return: 4.16%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Feb-1990 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:11y 4m
Amount delinquent: $0 Revolving credit balance: $2,118 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 77%Stated income:$1-$24,999
Delinquencies in last 7y: 53 Homeownership: No  
Inquiries last 6m: 0    
Screen name: arrow5 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
for tuition
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 150.00
??Phone, cable, internet: $ 106.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 100
??Other expenses: $ 60.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439957
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: 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: $294.03
 
Auction yield range: 17.20% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Feb-1992 Debt/Income ratio: 31%
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:2y 5m
Amount delinquent: $0 Revolving credit balance: $727 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: responsibility-admiral Borrower's state: Mississippi 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 cataract surgery
Purpose of loan
?????????????????????? HI,
?????????????????????????? I am a 57 year old young man, who has been cooking pizzas and italian food for 30 + years. I was informed by my eye doctor that i am in need of cataract surgey,since I do not have health insurance to cover this expense the cost for the surgery is approx. $6000.00 ?for both eyes.That is why I am asking for your help with this loan. Thank You for your consideration on this loan.?

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

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $?325.00??Insurance: $
??Car expenses: $?553.00??Utilities: $
??Phone, cable, internet: $ 46.00
??Food, entertainment:??Clothing, household expenses $???Credit cards and other loans: $200.00?Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439961
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 5.16% Starting borrower rate/APR: 6.16% / 6.50% Starting monthly payment: $60.99
 
Auction yield range: 3.20% - 5.16% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 4.56%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 10 First credit line: Sep-1999 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: 11Length of status:0y 10m
Amount delinquent: $0 Revolving credit balance: $4,387 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: compassion-atizer 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 CC's before Baby Arrives
Purpose of loan:

To consolidate all my credit card debt into 1 payment to help me pay it off faster. I am currently paying payments across 5 cards and it is seeming impossible to get them paid down.

My financial situation:
My husband and I have a combined income of $60,000. We are currently paying around $600 per month paying on our credit cards. Those are the same cards I will be paying off with the loan. We have 2 car payments one is $300 and one is $150 per month. Our mortgage including taxes and insurance is right at $1,000.00 per month. I include that only to show that we don't really have a problem with cash flow, it is just with the balances being spread out over multiple cards (some at high interest rates) it makes it harder to make a dent. We are having a baby soon, so, we would like to have everything paid off before that.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $463.49
 
Auction yield range: 4.20% - 16.00% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 13.83%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-1993 Debt/Income ratio: 6%
Credit score: 780-799 (Dec-2009) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $2,600 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: hutmacher 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
Buying a new vehicle
Purpose of loan:
I've been looking into getting a new ride for a while, but I'm sick of bank rates and all that goes along with it.? I'm hoping to get this loan in place with a reasonable interest rate prior to purchase.

My financial situation:
I am a good candidate for this loan because
1.? I havent carried any credit card balances for over four years
2.? Other than my mortgage, i have no other outstanding loans (student loans, personal loans, auto loans etc)
3.? I've got liquid cash balances in CDs/Investment accounts of about $15,000.? The only reason I'm going the loan-route, rather than the outright-purchase route, is so that i dont deplete my cash.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439969
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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.20% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Feb-1994 Debt/Income ratio: 26%
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. Once I'm caught up, I can make payments on everything - including a new prosper loan - just fine!

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

Monthly net income: $2000

Monthly expenses: $ 1800
??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: $ 400?
??Other expenses: $ 300 (daycare)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439973
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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $640.66
 
Auction yield range: 3.20% - 8.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 7.00%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Sep-1993 Debt/Income ratio: 27%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 53Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $5,586 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: useful-bill 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
Payoff my credit cards!
Purpose of loan:
This loan will be used to consolidate my credit card debt.

My financial situation:
I am a good candidate for this loan because I have a stable job with good pay and have never missed a payment on anything.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439993
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: 14.0%  
   
 
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: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jun-2006 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: 0 Total credit lines: 3Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $1,905 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: areobic1 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
Want Credit Card balance to Zero!
Purpose of loan:
This loan will be used to?get credit cards down to Zero forever! (Balance on two cards is $2000). It's not a whole lot owed, but I 've come to realize that these are evil. Only to be used as an extreme emergency. Also, I need to get some dental work done. I have Dental insurance, but still need enough for the dfference. About $1000.

My financial situation:I'm self employed with my son that works with me.
I am a good candidate for this loan because?

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $1250
??Insurance: $80
??Car expenses: $250 Gas/maint.
??Utilities: $65
??Phone, cable, internet: $125
??Food, entertainment: $450
??Clothing, household expenses $85
??Credit cards and other loans: $60
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440017
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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.93% Starting borrower rate/APR: 8.93% / 11.02% Starting monthly payment: $95.30
 
Auction yield range: 4.20% - 7.93% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 5.81%  
<span class="estReturnDisclaimer">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. </span><span class="estReturnDisclaimer">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.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-2005 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $8,480 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 41%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Yuriana26 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
720-739 (Oct-2009)
700-719 (Jun-2007)
 
Principal balance: $199.15 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Paying off Wells Fargo 23.90% CC
Purpose of loan:
Our 15 year old washer/dryer gave up 2 months ago and we had no choice but to get a new one and that time we made a mistake of financing it thru the store appliance for 23.90% interest. We would like to pay it off so we have better interest and we can pay it off fast through prosper loan. The rest of the money will be for medical bills that we acquired.

My financial situation:
I have a very good credit score and never fail to pay my payments/bills every month. My credit score/history can attest to that. I believe that if you utilize or use a credit card or if you owed money- it is to be paid for no matter what. Thank you so much! Have a happy new year!
Information in the Description is not verified.