Listing Report:Supplement No. 142 dated Jan 11, 2010 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 418837
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 12Length of status:6y 5m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: animallover54 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 18 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,200.00< mo. late: 0 ( 0% )  
660-679 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
purchase office equipment
Purpose of loan:
Need to buy a new office equipment, computer, printer and fax

My financial situation:
I am a good candidate for this loan because I have shown through my other loans that I have the reliability and conviction to repay?money that I borrow. ?

Monthly net income: $?3750

Monthly expenses: $?

??Insurance: $ 175

??Utilities: $?145
??Phone, cable, internet: $ 85

??Clothing, household expenses $ 150

??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 422667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Apr-1992 Debt/Income ratio: 33%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 26Length of status:1y 10m
Amount delinquent: $1,874 Revolving credit balance: $3,736 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 91%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: 412inc 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: 14 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
640-659 (Oct-2008)
640-659 (Aug-2008)
620-639 (Apr-2008)
620-639 (Mar-2007)
 
Principal balance: $3,635.54 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Stocking Up On Inventory
Purpose of loan:Upgrade Inventory

My financial situation:
I am a good candidate for this loan because We have been in business for over 7 years. We are gearing up to do a booth at the Stagecoach Festival, an event we did $16k with only 3 designs, this year it will be a 2 day event and we have 5 designs. I estimate we will do over $20k for the weekend. We also have a Prosper loan that will be repaid with this to consolidate and will use the rest for inventory. I know that the interest rate is very high on this loan but we have not missed a payment with Prosper. If you have any questions please feel free to ask.

Monthly net income:
$ 4116
Monthly expenses: $???
Housing: $?3400??I
insurance: $?200??
Car expenses: $?435??
Utilities: $ 400??
Phone, cable, internet: $ 100??
Food, entertainment: $ 250??
Credit cards and other loans: $ 500??
Other expenses: $ 700
Total $5985
My wife also works and makes about $3500 per month.With my wife and my incomes we have approx $1631 to pay back this loan per month.I have adjusted these totals for this loan, I wanted a more precise explanation. If there are any questions please feel free to ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 422813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.02% Starting borrower rate/APR: 24.02% / 26.31% Starting monthly payment: $78.49
 
Auction yield range: 8.06% - 23.02% Estimated loss impact: 7.05%  
Lender servicing fee: 1.00% Estimated return: 15.97%  
<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: 9 First credit line: Jun-1997 Debt/Income ratio: 18%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:23y 3m
Amount delinquent: $0 Revolving credit balance: $10,796 Occupation: Police Officer/Corr...
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: 0    
Screen name: thisbucksforu 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: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
680-699 (Jul-2009)
660-679 (Feb-2008)
 
Principal balance: $1,280.27 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
2nd time borrower 100% repayment
Purpose of loan:
This loan will be used to pay off 1st prosper loan and 2 small bills that amount to about 800.00.

My financial situation:
I am a good candidate for this loan because? I have held the same job for 23 years 8 months and I am a 2nd time borrower on prosper with a 100% repayment history so far. I also lend money on prosper. I have 2 rental properties that have a gross income of 700.00 per month. I have one house up for sale at this time but am having problems selling it due to the houising market. It will be rented October 1st for 550.00 per month if not sold by then. This loan will be payed on time just like the first one as it comes directly out of my checking account. Thanks for your time and consideration on this loan.

Monthly net income: $ 4800. job only rental income is 700.00 per month gross

Monthly expenses: $ 3000
??Housing: $ 600
??Insurance: $ 126
??Car expenses: $ 442
??Utilities: $
??Phone, cable, internet: $ 89
??Food, entertainment: $ 350
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 275
??Other expenses: $ 300 per month rental house payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 432111
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.86
 
Auction yield range: 17.06% - 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-1997 Debt/Income ratio: 53%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:8y 8m
Amount delinquent: $0 Revolving credit balance: $9,881 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: SpydrJOAT 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: 10 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,527.00< mo. late: 0 ( 0% )  
780-799 (Aug-2009)
720-739 (Oct-2007)
740-759 (Nov-2006)
740-759 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 10  
Description
Help me get custody of my daughter!
Hello! Thank you for reading my loan request!? I hope you will bid on my loan. I am a Staff Sergeant (E-5) with?8 years time in service, currently on active duty in the USAF.? I intend to use this money to pay for the legal cost of getting custody of my daughter.While I was deployed to Iraq, my wife decided that she could no longer handle a relationship with the military lifestyle.? She left me, and took my 2 year old daughter with her.? The lawyers have informed me that it will be an expensive custody battle, but that it can be won.? I love my daughter with all of my heart, and I will do anything to be a good father to her.? Please help me...I have served our country faithfully for 8 years now, and I would hate to think that doing my duty to our country is going to cost me the happiness of my family.

I previously had a loan at 7.85% through Prosper which I paid on time every month.? I recently repaid that loan in full, and I hope this loan funds?in full at a similar rate.? Feel free to contact me if you have any questions.

Thank you in advance for bidding on my loan!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 432865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 21.97% Starting borrower rate/APR: 22.97% / 25.25% Starting monthly payment: $212.82
 
Auction yield range: 8.06% - 21.97% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 14.95%  
<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: Jun-2001 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $11,836 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: dawgs31 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 660-679 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
680-699 (Jan-2008)
660-679 (Sep-2007)
 
Principal balance: $4,092.28 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Wedding Expenses
Purpose of loan:
This loan will be used to pay for an engagement ring soon. .

My financial situation:
I am a good candidate for this loan because I have a stable job that I've had for 5 years in an industry that is stable in this tough economy. Also I have show with my other prosper loan that I pay my bills on time.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $?0
??Insurance: $?250
??Car expenses: $?550
??Utilities: $ 125
??Phone, cable, internet: $?100
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $?300
??Other expenses: $ 405
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437435
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-2000 Debt/Income ratio: 5%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $1,531 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 102%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: income-casserole3 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
Rats in the attic! Oh no!
I bought a house in June that turned out to be rat-infested. My home inspector/pest control guy pest locked the rats in the house instead of out of the house and they died in the attic. The use of rat sorb and other mistakes turned the house into a toxic mess that took months to resolve. I still owe the company that cleaned up the mess (decontamination) and replaced my attic insulation $3,000. An insurance company settlement never materialized and a lawsuit may take quite some time to be resolved. Please help me pay off the guys who helped me make the house habitable again!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 439581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $371.64
 
Auction yield range: 17.06% - 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: 2 First credit line: Nov-1988 Debt/Income ratio: 15%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 24Length of status:22y 10m
Amount delinquent: $204 Revolving credit balance: $10,920 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 1    
Screen name: TheGent 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
House Renovations
Purpose of loan:
This loan will be used to?renovate my home.

My financial situation:
I am a good candidate for this loan because?I have steady career and will be employed throughout the term of the loan.

Monthly net income: $ 7373.00

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 100.00
??Car expenses: $ 400.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441333
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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-1998 Debt/Income ratio: 94%
Credit score: 620-639 (Dec-2009) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 30Length of status:5y 8m
Amount delinquent: $490 Revolving credit balance: $1,678 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 1    
Screen name: orthotech1 Borrower's state: Michigan Borrower's group: Family and Friends of the Military
Credit and homeownership information was obtained 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: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-619 (Oct-2009)
600-619 (Aug-2009)
600-619 (Jul-2009)
520-539 (Jan-2008)
 
Principal balance: $71.06 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards and the IRS?

My financial situation:
I am a good candidate for this loan because I have steady worj, plus military retirement?pay. I?will have this payment directly withdrawn from my checking account.?

Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $ 300.00
??Insurance: $ 161.00
??Car expenses: $ 700.00
??Utilities: $ 186.00
??Phone, cable, internet: $ 121.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.49% Starting borrower rate/APR: 21.49% / 25.31% Starting monthly payment: $37.93
 
Auction yield range: 8.06% - 20.49% Estimated loss impact: 6.98%  
Lender servicing fee: 1.00% Estimated return: 13.51%  
<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: 9 First credit line: Aug-1995 Debt/Income ratio: 19%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $10,000 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: trade-splendor 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
Car repairs and Vet bills
Purpose of loan:
This loan will be used to?
Vet clinic bill and Car repairs have taken two paychecks in a row and car still needs more repairs.

My financial situation:
I am a good candidate for this loan because?
I only need $600.00 but $1000.00 is the lowest I can apply for. I've owned my own house and payed off 3 cars at the same time. I would prefer not to borrow money but, unexpected events have left me with no choice. The timing for needing this cash is critical, car repairs, and I hate the prospect of paying 500% to a payday loan shark.
Monthly net income: $

Monthly expenses: $
??Housing: $ 600.00
??Insurance: $ 35.00
??Car expenses: $ Just Repairs ??
??Utilities: $ 60.00
??Phone, cable, internet: $ 66.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,999.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $565.09
 
Auction yield range: 17.06% - 20.00% Estimated loss impact: 19.13%  
Lender servicing fee: 1.00% Estimated return: 0.87%  
<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: Sep-1989 Debt/Income ratio: 25%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 17 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:16y 9m
Amount delinquent: $0 Revolving credit balance: $7,760 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 59%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: a-rupee-banshee 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 some 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: $ 4800.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??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 441709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 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: $322.64
 
Auction yield range: 8.06% - 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: Jul-1993 Debt/Income ratio: 255%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 14 / 7Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 44Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $11,626 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: green-auction-didgeridoo Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for College
Purpose of loan:
This loan will be used to?? Cover miscellaneous costs that current income (i.e. wife's fulll salary and my stipend from school) do not cover.? The full amount will be placed in a savings account and only used as needed. ????

My financial situation:
I should be employed at at high salary by September 2010, my expected graduation date.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 19.06% / 21.28% Starting monthly payment: $220.12
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.38%  
<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: 1 First credit line: Jun-1999 Debt/Income ratio: 25%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 5 Total credit lines: 31Length of status:5y 0m
Amount delinquent: $38,709 Revolving credit balance: $179 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$25,000-$49,999
Delinquencies in last 7y: 33 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bid-mad-scientist1 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
none
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 441727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $800.82
 
Auction yield range: 3.06% - 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: 6 First credit line: Jun-1994 Debt/Income ratio: 20%
Credit score: 840-859 (Jan-2010) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $3,460 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 10%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: peso-tuba 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
College Fund, 17 years of rental.
Our Oldest?s College Fund
The numbers still work out so that renting this place for the next 17 years gives our daughter a pretty good chunk of money to be spent toward her college education.

Design Features:
? 3rd Floor Master Bedroom Suite with attic storage
? 2nd Floor 17? Cathedral Ceiling in Family Room
? Tall glass block windows
? Large front and rear balcony?s
? Granite kitchen counters
? 1st and 2nd floor laundry
? Azek Exterior Trim Boards
? 3 Zone Radiant Floor Heating
? Polaris Hot Water Heater (Supplies all Heat and Hot Water to whole House)
? Plumbing Manifold in basement for easy repair and maintenance
? Sprayed Foam Insulation

Financial Information:
Monthly Income $ 13,000.00

Expenses
Main Home Mortgage, Taxes, Insurance 2,400.00
Rental Mortgage, Taxes 1,050.00
Insurance 200.00
Auto Loans 1,100.00
Student Loans 300.00
ChildCare 640.00
Paid off Monthly (Average)
Citi Card 1,000.00
Discover 2,000.00
Sam's Club 300.00
Monthly Expenses: 8,990.00

Directly Attributed to Project House
Mortgage, Taxes, Insurance 500.00
Home Equity LOC 100.00
Personal Loan 370.00
Personal Loan 840.00
AT&T Universal 175.00
Citi Card (interest rate does not have end date) 90.00
Monthly Payment for Project House: 2,075.00

Net: $2,135.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $212.26
 
Auction yield range: 17.06% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
<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-1989 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2010) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 35Length of status:1y 10m
Amount delinquent: $1,998 Revolving credit balance: $33,194 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 59%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bravo317 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
720-739 (Nov-2009)
700-719 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Working out of Debt
Purpose of loan:
This loan will be used to completely pay off a credit card.?This loan is to be a?balance settlement payment?with the credit card company. This is a great opportunity for me to eliminate one of my higher balance cards at a reduced rate. Any help you can give me will be greatly appriciated.

My financial situation:
I am a good candidate for this loan because I have a good secure?job with long term contract employ. I have recently moved?for this better employment and used this service Prosper to pay for my moving expences. That Prosper?loan?has been?payed for and now I am working on eliminating my debt load.??

Monthly net income: $ 5000

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 441753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-2002 Debt/Income ratio: 42%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $482 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: brightest-magnetic-peace 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
American Burger Monterey
Purpose of loan:
American Burger is an independently-owned burger joint in Monterey, CA that needs cash to launch a structured, professionally-developed marketing plan.? Our plan, built by Diversified Strategies Unlimited, will bridge the gap between monthly sales and our expenses (currently ~$1,500).? We have been open for six months and, with essentially no marketing, have reached 72% of the monthly business we need to turn a profit.? Our plan is a comprehensive, low-cost plan that we can deploy for less than $5,000.? We are asking for $15,000 to handle any potential cost over-runs and to give us the ability to weather an extended period during which our marketing plan is building momentum.

In addition to our marketing plan, we are working with an established local music promoter to bring live music in on the weekends.? After consulting with him he estimates that a weekly crowd of 100 people can easily be done, and he will be responsible for all marketing expenses.? American Burger will make money through food and beverage sales.? Assuming a sale of only $5 per person, these venues could easily close the budget gap without the aid of the marketing plan as well as increase the exposure of the business.

My financial situation:
I am a good candidate for this loan because I have a stable employment outside of the business.? I have held the same job for over two years with increasing amounts of pay and responsibility each review period. ? Should the business go under I will be able to fulfill the terms of the loan with my personal income.

Monthly net income: $2,000 (personal);? $4,500 (American Burger)

Monthly expenses: $1,260 (personal);? $6,000 (American Burger)
??Housing: $300
??Insurance: $50
??Car expenses: $250
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $30
??Clothing, household expenses $30
??Credit cards and other loans: $300
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $94.56
 
Auction yield range: 4.06% - 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: Oct-2004 Debt/Income ratio: 41%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 5Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $10,897 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 46%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: velocity-vibrato6 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
getting married
Purpose of loan:
This loan will be used to?? I am getting married and i have a lot of this to do and buy, and this money is going to go toward my banquet hall use and food for my reception.

My financial situation:
I am a good candidate for this loan because? i work for fairfax county federal credit union, and i have no other loan or credit card that i have to pay other then for my car. i will pay this loan ASAP because i dont like being in debt as well. please help me out with this i will be forever greatfull. thanks -Vick
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441759
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $214.87
 
Auction yield range: 14.06% - 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-2004 Debt/Income ratio: 23%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $6,398 Occupation: Social Worker
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: 1    
Screen name: worldly-kindness7 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
An auto loan to buy a used car
Purpose of loan:
This loan will be used to purchase a used 2003 Honda Civic with approximately 80,000 miles.? This car will be used so I can travel to work.? The car has good gas mileage and is in excellent condition.? This car will replace my current one which has engine trouble.

My financial situation:
I am a good candidate for this loan because I have a full time job.??My?debt includes a credit card, which I owe approximately $4,000.? I pay my parents $250 per month towards rent.? My parents pay for the other expenses in our home.

Monthly net income: $ 1567.85

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 50
??Car expenses: $?100
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $19,000.00 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: $608.63
 
Auction yield range: 3.06% - 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: Mar-1997 Debt/Income ratio: 16%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:9y 2m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: peace-den 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
Complete kitchen remodel
Purpose of loan:
This loan will be used to purchase cabinets, countertops, and appliances and also to pay for installation of those items for my complete kitchen remodel.

My financial situation:
I am a good candidate for this loan because I take excellent care of my finances and credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $94.19
 
Auction yield range: 14.06% - 20.00% Estimated loss impact: 14.89%  
Lender servicing fee: 1.00% Estimated return: 5.11%  
<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: 6 First credit line: Jul-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 7Length of status:3y 10m
Amount delinquent: $0 Revolving credit balance: $4,568 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 1    
Screen name: engaging-liberty1 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
Moving Expenses
Purpose of loan:
This loan will be used to pay the security deposit and pet deposit for a move closer to my place of business, allowing me to save money on gas.

My financial situation:
I am a good candidate for this loan because I have a guaranteed paycheck on the 1st and the 15th of each month and have had good credit history in recent years. Credit score "fair" due to past mistakes (5+ years ago). This is *PRIMARILY* to bypass waiting for my tax returns, so will be paid off quickly.

Monthly net income: $ 2200

Monthly expenses: $ 800
??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 441777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Dec-1975 Debt/Income ratio: 8%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 0 / 0Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 3Length of status:9y 1m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
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: 1    
Screen name: statuesque-dollar Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from 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/bills
Purpose of loan:
This loan will be used to? make some needed repairs to auto and to maker some improvements to our home, along with getting a little ahead on bills.? With the economy that way it is, we would like to get a little ahead & have a little cushion for the future? The previous bankruptcy that we had was directly related to a family farming business that folded after 40+ yrs.? All creditors were paid in full when we were able to obtain our mortgage with our current lender.

My financial situation:
I am a good candidate for this loan because?I have a stable employment?record and do not frivolously use credit.? Do not?have ou of control credit card debt.?

Monthly net income: $ 1867.00

Monthly expenses: $
??Housing: $ 1354
??Insurance: $ 45
??Car expenses: $ 60
??Utilities: $?120
??Phone, cable, internet: $ 175
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.00% Starting borrower rate/APR: 31.00% / 33.39% Starting monthly payment: $150.50
 
Auction yield range: 11.06% - 30.00% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.24%  
<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 8m
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
Paying Bills...
Purpose of loan:
This loan will be used to?pay off a few bills.

My financial situation:
I am a good candidate for this loan because? I have ALWAYS paid back what I have owed to any lender(s). I have a stable/salaried/contractual job which I have held now for nearly eight years. We also will be receiving a $600/month boost in our income starting in February through 2015 due to my father-in-law's pension plan which my wife inherits. That money is already budgeted towards?the planned funding of this?loan. Thanks for your consideration, it is appreciated.

Monthly net income: $ $2,600

Monthly expenses: $
??Housing: $ 774.40
??Insurance: $ 123.25
??Car expenses: $ 329.00
??Utilities: $ 145.00
??Phone, cable, internet: $ 55.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.55% Starting borrower rate/APR: 22.55% / 24.82% Starting monthly payment: $961.89
 
Auction yield range: 8.06% - 21.55% Estimated loss impact: 6.71%  
Lender servicing fee: 1.00% Estimated return: 14.84%  
<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: Oct-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 840-859 (Jan-2010) Current / open credit lines: 7 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 21Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $4,846 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: first-class-interest3 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
Acquisition/Grow business
Purpose of loan:
I currently run two separate businesses from my home Doll Outfitters and It's All Girly. I have had a successful year through local advertising, word of mouth, Ebay as well as my online stores. Both my online stores are down for re-stocking. It is my intention to purchase a profitable local business and incorporate my stores into the existing business.? I will offer both retail operations as well as all-inclusive parties and special events for children. This loan would help in securing the business acquisition. This is the remaining 1/3 of the funds I need to complete the purchase. I will be personally putting in the other $50,000.

My financial situation:
Both my husband and I are long time local residents and homeowners. I am currently a self employed business owner with a lot of great ideas to make my business grow. My spouse is employed full time so my income is supplemented. Unfortunately I am not able to include my husband's income in my listing.? Both my husband and myself have excellent credit.? I have AA Credit (over 800), no deliquentcies, no late payments.? In addition to having a physical location I? plan on continuing to operate my online stores. It is my intention to grow my business into an safe/interactive experience for local children.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.40% / 13.52% Starting monthly payment: $493.93
 
Auction yield range: 4.06% - 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: Jul-1965 Debt/Income ratio: 27%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:12y 2m
Amount delinquent: $0 Revolving credit balance: $33,464 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 46%Stated income:$100,000+
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: rate-cosmos4 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
Payoff really high int rate 25%
Purpose of loan:
This loan will be used to pay off a very high interest rate credit card, and pay down another.? Because of the new regulations the card companies increased the rate to 25%

My financial situation:
I am a good candidate for this loan because? I make enough to pay the payments, looking for a lower interest rate ????

Monthly net income: $
4500 ????

Monthly expenses: $
??Housing: $? 800
??Insurance: $ 50
??Car expenses: $ 400
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $565.45
 
Auction yield range: 17.06% - 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-1995 Debt/Income ratio: 29%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:6y 4m
Amount delinquent: $0 Revolving credit balance: $18,884 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: commerce-tornado7 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 existing credit cards.?

My financial situation:
I am a good candidate for this loan because I consistently make payments on time, above the minimum amount required, and would like to accomplish my final goal of providing?a home for my 2 daughters. I am currently paying an average of $750 monthly towards my open credit and pay an additional $700 monthly towards my vehicle, children's medical insurance & vehicle insurance. I do not receive any additional support from the father of my children and have been steadily/faithfully employed with Lyon Management for over 6 years.?My children & I currently reside with my parents and that has been a major support to eliminate any additional housing expenses.? I have been requesting loans for quite some time and the final outcome is always that my credit is not bad however I have too many open accounts.? I would like to be rid of my 4 credit cards and only rely on my checking, but in order to get to that goal I need support.

Monthly net income: $ 1405.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $?650
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 750
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $205.21
 
Auction yield range: 6.06% - 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: Apr-1979 Debt/Income ratio: 18%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 13 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:31y 3m
Amount delinquent: $0 Revolving credit balance: $9,031 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$50,000-$74,999
Delinquencies in last 7y: 24 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: value-tycoon 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 bills
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.05% Starting borrower rate/APR: 16.05% / 18.23% Starting monthly payment: $527.73
 
Auction yield range: 6.06% - 15.05% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.79%  
<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-1983 Debt/Income ratio: 11%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:1y 8m
Amount delinquent: $0 Revolving credit balance: $31,683 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: MilitarySupporter60 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
Education for growth
Purpose of loan:
This loan will be used to further Education and enhance growth. I am one who believes you are?never to old?to go back to school?and?further educate oneself;?than contribute?what?you have learned back into society.?
I am very happy to be at Prosper.? It's nice to see and have other Americans helping other Americans.?

My financial situation:
I am a good candidate for this loan because if you look at my credit profile, I have a high fico score as evidence of my dependablity to pay bills on time!
I currently work in Pharmaceuticals.? I have over 30 years of experience in the work force.?

Monthly income:? $6,500.00

Monthly Expenses:
????????????????????????????Land Line Phone??$31.00?
????????????????????????????Cell Phone???????????$85.00
????????????????????????????Electric??????????????? $150.00
????????????????????????????Groceries???????????? $300.00
????????????????????????????Car Insurance???????$65.00
????????????????????????????Water??????????????????$25.00?
????????????????????????????Gas for car???????????$350.00
????????????????????????????Cable???????????????????$125.00
????????????????????????????Leirsure????????????????$200.00
????????????????????????????Housing????????????????$250.00



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 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: Apr-1987 Debt/Income ratio: 12%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 19 / 18Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 35Length of status:18y 2m
Amount delinquent: $426 Revolving credit balance: $4,605 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 2    
Screen name: jobliner Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?pay off crdit cards and some other small bills?

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

Monthly net income: $ 4500

Monthly expenses: $ 1800
??Housing: $ 0????
??Insurance: $ 600
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441833
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 12Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $1,824 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: integrity-conga Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying my credit cards off
Purpose of loan:
This loan will be used to pay off four of my credit cards.

My financial situation:
I am a good candidate for this loan because I am a Senior in college in my last two semesters whom lives at home and has a (steady) non-contract part-time job since January of 2009.

Monthly net income: $ 720

Monthly expenses: $ 275
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 50
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 25
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $178.26
 
Auction yield range: 14.06% - 15.00% Estimated loss impact: 14.65%  
Lender servicing fee: 1.00% Estimated return: 0.35%  
<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-2003 Debt/Income ratio: 40%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:2y 8m
Amount delinquent: $0 Revolving credit balance: $12,769 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: thorough-return7 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
pay my credit card
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 441837
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $180.91
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<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: Mar-1989 Debt/Income ratio: 68%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 13 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:6y 4m
Amount delinquent: $0 Revolving credit balance: $23,740 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: peso-gatherer Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off a credit card debt.

My financial situation:
I am a good candidate for this loan because I am currently paying the credit card?on time, but it has a high interest rate.
Monthly net income: $ 2250 This is my income only. My husband also works full time.

Monthly expenses: $
??Housing: $ 931
??Insurance: $ 130
??Car expenses: $ 420
??Utilities: $ 100?
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $?350 (including the credit card that I will be paying off)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $341.62
 
Auction yield range: 8.06% - 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: Dec-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Jan-2010) Current / open credit lines: 14 / 12Employment status:Self-employed
Now delinquent: 0 Total credit lines: 40Length of status:7y 6m
Amount delinquent: $0 Revolving credit balance: $12,867 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: Indian-loan 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
Consolidating some credit cards
Purpose of loan:
This loan will be used to pay off 3 credit cards with an interest rate of 29.24%.


My financial situation:
I am a good candidate for this loan because i own my own home with at least $65,000 in equity in the home.
The credit card accounts are closed and cannot be recharged.? I have been paying $1000 per month for all of 2009.
I have owned my own business since 2002, and have earned $85,000 to $105,000 for the past 3 years.
My wife has worked at a chemical company doing the books for 7 years now.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $768.79
 
Auction yield range: 3.06% - 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: 6 First credit line: Jul-1992 Debt/Income ratio: 31%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:19y 6m
Amount delinquent: $0 Revolving credit balance: $14,800 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: payment-flower0 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 all the credit cards only.

My financial situation:
I am a good candidate for this loan because my credit score is excellent and I pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441845
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 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: $384.51
 
Auction yield range: 14.06% - 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: May-1998 Debt/Income ratio: 33%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 1m
Amount delinquent: $0 Revolving credit balance: $3,792 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Mrbiz 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 / 2 On-time: 35 ( 97% ) 620-639 (Latest)
Principal borrowed: $10,000.00< mo. late: 1 ( 3% )  
600-619 (Dec-2009)
600-619 (Jan-2008)
560-579 (Dec-2007)
540-559 (Dec-2006)
 
Principal balance: $3,465.25 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Prosper borrower needs help again!!
Purpose of loan:
This loan will be used to? Pay off an existing prosper loan as well as a credit card and truck loan.

My financial situation:
I am a good candidate for this loan because?I will make sure that every cent is paid back. I have had two prosper loans in the past and have not missed a payment. I hope this will be the last time that I need assistance as I am graduating school next week and will be looking for a new job that pays significantly more.?

Monthly net income: $ 3500.00

Monthly expenses: $ 2,150.00
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 250
??Utilities: $ 150
??Phone, cable, internet: $
??Food, entertainment: $ 250
??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 441847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.00% / 38.47% Starting monthly payment: $687.06
 
Auction yield range: 17.06% - 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-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 15Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $51,001 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: payment-owner1 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
Fixing up house to sell it
The purpose of this loan is to do home improvements to put our house on the market this month. We have a significant amount of equity in our house, as we put more than half down when we purchased it 3 years ago. The lender will get paid back immediately when the house sells, and we are confident that it will sell, as we have priced it aggressively and already have a few interested buyers.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $94.56
 
Auction yield range: 4.06% - 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: Nov-1973 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jan-2010) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $5,150 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 24%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: aspen6 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 debt
Purpose of loan:
This loan will be used to pay off debt.????

My financial situation:
I am a good candidate for this loan because i never missed a payment and i always pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 17.27% Starting borrower rate/APR: 18.27% / 20.48% Starting monthly payment: $108.86
 
Auction yield range: 17.06% - 17.27% Estimated loss impact: 19.95%  
Lender servicing fee: 1.00% Estimated return: -2.68%  
<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: 8%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 24Length of status:30y 4m
Amount delinquent: $2,904 Revolving credit balance: $3,720 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 91%Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Homeownership: No  
Inquiries last 6m: 1    
Screen name: Angelswhispers Borrower's state: NewYork Borrower's group: Ebay Sellers
Credit and homeownership information was obtained 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% ) 620-639 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2009)
600-619 (Aug-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Rebuilding my Website
I am a 50 year old banker who is trying to build her web based Soap and Candle Buisness. I have finally got the website up and running but I need additional funds to buy supplies to increase my line to gels, bathsalts and hand cremes.I started making handmade soap about 10 years ago as a hobby. I have sold many Soaps on ebay(about 9 years). I need your help again to kick start my dream. Someday I would line to open a small store front. But in the mean time I want to thank all the other bidders who made my first loan possible, I will have my last payment this August. Thank You Thank You. But..... I need everyones help again. Please help me achieve the American dream of being Self-employed and owning my own Business. Thanks again.....
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 31Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $49,589 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: keen-camaraderi Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Bills
Purpose of loan:
This loan will be used?to?be used to pay?off?credit cards and end of the year expenses?

My financial situation:
I am a good candidate for this loan because I am honest, hardworking, I run a successful business, always pay my bills?on time and have never defaulted on a loan.

Monthly net income: $ 8500.00

Monthly expenses: $
??Housing: $1750.00
??Insurance: $ 300.00
??Car expenses: $ 365.50
??Utilities: $ 80.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $?700.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,900.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 4.15% Starting borrower rate/APR: 5.15% / 5.49% Starting monthly payment: $207.26
 
Auction yield range: 3.06% - 4.15% Estimated loss impact: 0.59%  
Lender servicing fee: 1.00% Estimated return: 3.56%  
<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-1993 Debt/Income ratio: 3%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $417 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: kind-dough-force 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
Looking for a better interest rate
Purpose of loan:
Looking to payoff the remaining balance?of?a second mortgage on?an investment property I own.? The interest rate is on the high side so I am looking for a lower rate loan to finish it off.? Because it is a second mortgage on an investment property I cannot refinance through a regular bank.

My financial situation:
I have always been very good with money and have an excellent credit rating to prove it.??I pay off my credit cards every month and?have never missed a payment on anything.? I have a great job and my wife also works full time.? I am just looking for a better interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.34% Starting borrower rate/APR: 32.34% / 34.75% Starting monthly payment: $656.15
 
Auction yield range: 11.06% - 31.34% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.55%  
<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: 6 First credit line: Jul-1995 Debt/Income ratio: 43%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 28 / 26Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 90Length of status:5y 0m
Amount delinquent: $0 Revolving credit balance: $11,651 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: wampum-starfish1 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Expanding Existing Profitable Biz
We are located in the heart of Dowtown Atlanta in a 3000 sq ft facility zoned MRC-1-C.? Our business is structured as a Sole proprietorship.? We are a family owned business founded 3+ years ago.

We intend to corner the market for multimedia content production for value conscious consumers. We focus on speed, customer service and professionalism,
Clients come to our facility and record any type of multimedia product in our recording studio. We then deliver their product in a variety of electronic, physical or download mediums.? We deliver product for Hollywood, Turner, Radio, and Internet.? We are content providers and facilitators.

We cater to three major categories of customer:?
1.??? Filmmakers and Large Record labels
2.??? Corporate clients
3.??? Independent musicians and companies

We are unquestionably the best value in multimedia production here in Atlanta. Our ?competitors? cannot compete with our pricing, our speed or our no-nonsense approach to multimedia content production.?

Because we have an established customer base and waiting lists for our services we intend to expand our facility by adding media production capacity.?

That is the purpose of this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 11.06% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
<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: 8 First credit line: Mar-1990 Debt/Income ratio: 12%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:31y 3m
Amount delinquent: $0 Revolving credit balance: $12,293 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 80%Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: thankful-kindness110 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
Adding an Egress Window
Purpose of loan:
This loan will be used to?
Add an Egress Window to my property
My financial situation:
I am a good candidate for this loan because?
I always pay back my loans and will pay this one off completely.
Monthly net income: $
4,500
Monthly expenses: $
??Housing: $ 1,900
??Insurance: $ 107.
??Car expenses: $ 0
??Utilities: $ 100.
??Phone, cable, internet: $ 99.
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $434.19
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.88%  
<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: 27%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $1,163 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 145%Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 0    
Screen name: jobear Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 89% ) 600-619 (Latest)
Principal borrowed: $4,300.00< mo. late: 3 ( 11% )  
640-659 (Sep-2007)
640-659 (Jul-2007)
620-639 (Jun-2007)
 
Principal balance: $1,345.15 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
One more time
Purpose of loan:
The purpose of my second loan is to lump all of my high interest credit card bills and personal loans into one payment.? I am hoping this loan can help me rebuild my credit and better my debt to income ratio.

My financial situation:
This is my second loan with Prosper.? My credit score is not the?greatest due to?my filing?bankruptcy in 2004, which was discharged.? This bankruptcy was the result of my closing a small coffee shop that I owned.? I currently work full-time as an HR Supervisor for a very well known hardware store.? I have been with this company now for 4 years.? Sometimes I tend bar for a good friend of mine when needed.? I really just want to clean up my record so that I can move forward with a cleaner slate.?

Prosper has helped me once and I hope can help me once more.? I have told many of my friends how Prosper helped me once and about the ability to become investors to the site.? I have not told them of my re-listing only because of my embarrassment of my low credit score.? My friends knowing my financial situation is not something I want.? If by chance they are looking through the applicants and come across my listing then so be it.? They know the person I am.

Monthly net income: $ 2458 currently


Personal monthly expenses: $ 1559
??Housing: $?200 (have roommate)??
??Insurance: $ 64
??Car expenses: $ 405
??Utilities: $ 100
??Phone, cable, internet: $ 55
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 300
??Other expenses: $ 210 (student loans)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 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: Mar-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $2,412 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: fascinating-p2ploan 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
wedding loan
Purpose of loan:
This loan will be used to help pay the finishing touches for my wedding after just getting back from Iraq.

My financial situation:
I am a good candidate for this loan because I can pay it back and will be very excited and happy to do so and start my new life.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 140
??Car expenses: $ 300
??Utilities: $ 20
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 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-1982 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 5 / 6Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 28Length of status:38y 5m
Amount delinquent: $9,248 Revolving credit balance: $35,592 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: gravitas1 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
Debt Settlement
Purpose of loan:
This loan will be used to? settle credit card debt resulting from wife's medical bills and?expenses.

My financial situation:
I am a good candidate for this loan because? I have very steady employment and?will have funds from extracurricular pay to completely pay off any remaining loan balance by 6/15/10.? This is my first Prosper loan attempt and I am hoping to earn the communities trust with?my prompt pay-off.? My credit card debt is?due?to?medical expenses?incurred which my medical insurance?would not cover?due to the experimental nature of my wife's?treatment.? Thank you for your consideration.

Monthly net income: $ 2930.00

Monthly expenses: $ 2642.00
??Housing: $ 996.00
??Insurance: $ 191.00
??Car expenses: $ No Car Payment
??Utilities: $ 120.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 875.00
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1994 Debt/Income ratio: 95%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $6,151 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wendi Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
640-659 (Sep-2008)
600-619 (May-2008)
640-659 (Jan-2008)
 
Principal balance: $1,051.81 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
Proven Money Maker for you!
I would like to start out for thanking everyone who bid on first loan. I am self-employed?hairstylist. I?have my income shown with ALL deductions.?? Which will explain my higher dtir% ?????????????????????????????????????????????????????????????????????
ABOUT ME
Hello, I have been a hard working hairstylist for the last 14 years. My husband works for a cell phone?company. We are both?very responsible people and first time parents.

WHAT I WILL DO WITH THIS LOAN
?We will pay?off the majority of my credit cards. With the remaining ones I will pay?them down half their balances. Hopefully,?after I have been successful again with paying my prosper loan off?I?will come back to request your support to pay off the rest.? I have went through banks. I do not have big credit cards, all my cards are smaller credit limits, which does not help me with my credit score. Consolidating them will give me a MUCH better chance at paying them off faster! Which is what everyone wants.
I do have a bankruptcy on my credit report. It has been discharged for?almost six?years. As you will notice I have been working hard on improving my credit score. We?were able to?buy our first home?four years ago.? I can promise I will be as good at paying this loan on time as I am doing on my first, which is paid off in a few months.OUR BUDGET????????????????????????????????????????????????
Average monthly income:5,600?????????????????????????????

Prosper loan:$218????????????????????????????????????
House?payment: $1312?????????????????????????
Utilities: $450
Cars: $1127
CC: $400?
Ins: $146
Aflac:$100
Child care:$400
Loans: $200
Misc: $600?

Monthly expenses total
$4,953?
Difference: $647 ( after paying off some of the cc debit I will open up $250 more )
After cc? $ $ 897
Thank you very much for your time. ??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 8.84% Starting monthly payment: $37.88
 
Auction yield range: 3.06% - 7.50% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 6.90%  
<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: 92%
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 1m
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: 19 ( 100% ) 760-779 (Latest)
Principal borrowed: $9,700.00< mo. late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $5,110.47 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Replacing Carpet & Kitchen Floor
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 real?father.? 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.? He makes approx $68,000. ?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.? I?plan to have this paid off at the same time my other Prosper loan is paid.?Thank you so much.??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.57% Starting borrower rate/APR: 8.57% / 8.91% Starting monthly payment: $158.00
 
Auction yield range: 3.06% - 7.57% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.07%  
<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-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 2m
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.? Please visit our current website at www.acmecanine.com .?

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%.??We continue to have a solid reputation in the community and have received awards reflecting this.? Our financial situation is good and we receive a steady revenue due to diversifying our services from training in our clients homes to group classes to residencies and offering boarding exclusively to our clients and workshops and grooming.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,100.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 30.99% Starting borrower rate/APR: 31.99% / 34.40% Starting monthly payment: $135.00
 
Auction yield range: 8.06% - 30.99% Estimated loss impact: 7.25%  
Lender servicing fee: 1.00% Estimated return: 23.74%  
<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: 9 First credit line: Feb-1996 Debt/Income ratio: 22%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 14 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 44Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $20,362 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$75,000-$99,999
Delinquencies in last 7y: 53 Homeownership: No  
Inquiries last 6m: 0    
Screen name: atlanta77 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 / 1 On-time: 14 ( 38% ) 640-659 (Latest)
Principal borrowed: $3,300.00< mo. late: 23 ( 62% )  
620-639 (Jan-2008)
640-659 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 37  
Description
Pay off higher interest CC
Hello. I'm a IT Proffesional and currently in need of $3100 loan to pay off one account to further clean up my credit. I have already had a prosper loan in the pat which I have already paid off successfully, so I'm hoping that would show that honor my debts. Currently I'm not a home owner. I stay with my family and at this time do not have any mortage payment. My income is $80K a year (+10% annual bonus), and I have a steady job working in the IT department of a large telecommunications firm for the past 6 years. I believe I'm a good candidate for this loan and will have no problem paying the required monthly payments, due to my income and having no mortgage payment at this time. My main goal is to pay off all my debt, and I'm getting close to my goal. I have paid off a significant portion of?my debt in the last couple of years. I already have a set payment that I sent to all my creditors, and due to that, every one of them has lowered my interest rate to a very low rate.?The majority of my income goes to paying off my debt every month. This is the only account that will?not lower my?interest rate,?but has offered me a great deal if I?can make a one time payment to pay off this account.

I have worked extremely hard to make this goal a reality, and this loan would further assist with that goal. I realize borrowing to pay of debt is not usually the best case, but I believe that in case it is, due to significant savings I will receive, and due to the affect it will have on my credit rating to have this account marked as Paid.?As a result of this, I'm?willing to pay a higher interest rate on this loan.?I would have no problem making the payments for this loan as it would lower than what I already pay for this account I would be paying off.

I'm willing to provide any information that is needed for me to acquire this loan and?I hope prospective lenders will see me as a good candidate for receiving a loan. Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $94.29
 
Auction yield range: 8.06% - 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: Jun-2002 Debt/Income ratio: 20%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $8,001 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: generosity-recruiter2 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
Reparing weather damage to home
Purpose of loan:
This loan will be used to replace and repair water pipes, water heater and water well holding tank that were damaged by lower than usual?freezing weather in the south

My financial situation:
I am a good candidate for this loan because I am a fulltime, certified High School teacher with regular income. These repairs cannot be done unless I pay the full cost up front. I do not have the full amount needed to make the repairs, and without them will not have water in my home.

Monthly net income: $ 2800

Monthly expenses: $?2000

??Utilities: $250
??Phone, cable, internet: $150
??Food, entertainment: $ 400
??Clothing, household expenses $150
??Credit cards and?student loans: $ 900
??Car expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.41% Starting borrower rate/APR: 8.41% / 10.50% Starting monthly payment: $173.39
 
Auction yield range: 4.06% - 7.41% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.30%  
<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-1998 Debt/Income ratio: 42%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $48,055 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: cash-historian 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
Pay Off Citi
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 441907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,700.00 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: $484.03
 
Auction yield range: 17.06% - 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: May-1992 Debt/Income ratio: 25%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 50Length of status:5y 7m
Amount delinquent: $0 Revolving credit balance: $7,646 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Sevun Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 94% ) 680-699 (Latest)
Principal borrowed: $15,600.00< mo. late: 1 ( 6% )  
720-739 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Credit Card Payoff
Purpose of loan:
This loan will be used payoff a line of credit.? The line of credit has already been closed.

My financial situation:
I am a good candidate for this loan because I always pay my debts including a previous Prosper loan for $15k.? My overall debt has been on the decline for 6 years now with about 5 years till I hit $0 (not counting my house).

Monthly net income: $ 4700

Monthly expenses: $ 4020
??Housing: $ 2200
??Insurance: $ 45
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 60
??Food, entertainment: $ ~300
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $ 1012
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: 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: $248.80
 
Auction yield range: 17.06% - 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-1985 Debt/Income ratio: 38%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 15Length of status:11y 3m
Amount delinquent: $676 Revolving credit balance: $9,904 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Homeownership: No  
Inquiries last 6m: 0    
Screen name: truth-virtuoso 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
Paying off Daughter's Medical Bills
Purpose of loan:
I am trying to help my daughter out. She has a medical condition that causes to have to see a doctor on a regular basis and have test run. She has lost her job and her husband is deployed in the middle east. Because of these medical bills she is 2 months late on her mortgage and her bills keep piling up. She needs help and we have no where else to turn. Her husband and herself have a little girl that is so precious to me and I love them with all of my heart. Please help me to help them I don"t no what else to do. Her husband is coming back to the states really soon and she also needs to stay a week in Virginia to go pick him up we have no money for that either. Also, her husband cannot return to work for about a month after he returns home and they will be in over there heads at time with all of these bills. I don't have wonderful credit but that is because my wife has completely destroyed it. I am on my way to making it better. Please help us! My daughter and her husband will be helping me pay this back so we will get it paid that is a promise! Please find it in the goodness of your heart to help my family get through this very tough time in our lives. Thank you very much for your time!
My financial situation:
I am a candidate for this loan because I have had some financial problems in the past because of my wife but I am getting back on my feet and?trying to make my credit score better. I will be paying for the loan and my daughter and her husband will also be helping out so we will have this paid.?

Monthly net income: $ $3800.00

Monthly expenses: $
??Housing: $?500.00
??Insurance: $ 100
??Car expenses: $ 250.00
??Utilities: $?200.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $?200.00
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% Starting borrower rate/APR: 12.06% / 14.19% Starting monthly payment: $332.43
 
Auction yield range: 11.06% - 11.06% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
<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: 7 First credit line: Jan-2000 Debt/Income ratio: 25%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $7,493 Occupation: Teacher
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: 2    
Screen name: brightest-loan-caballero 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
For an Adoption
Purpose of loan:
This loan will be used to finance our adoption and bring our kids home. We had a budget and savings plan to pay for the entire adoption out of pocket but, that was under the original time-frame that was given to us (18-24 months before we would recieve our children) We decided to try this route because we recieved a referral for our children (this past week 1-10-10) only 9 months and now have to come up the the balance.

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 441923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
 
Auction yield range: 14.06% - 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: Feb-1990 Debt/Income ratio: 37%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $2,746 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: angels2 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 / 2 On-time: 49 ( 88% ) 620-639 (Latest)
Principal borrowed: $8,650.00< mo. late: 7 ( 13% )  
560-579 (Apr-2008)
560-579 (Feb-2008)
540-559 (Dec-2007)
600-619 (Nov-2007)
 
Principal balance: $942.53 1+ mo. late: 0 ( 0% )
Total payments billed: 56  
Description
Relist.. Tuition Payment Due Soon!
Purpose of loan:
This loan will be used to? To pay?my college tuition for 2009/2010 that is due in February plus books and laptop for studies and late fees.??


I?m pursuing my Bachelor?s in Organizational Leadership and my elective is?Project Management at a well known university.??During the registration process in 2009,?I missed the cut off date?to apply for?financial aid;?I'm?eligible to receive?financial aid in the spring 2010.? I?ve completed several classes in 2009 with a grade point average of 3.4 submitted the paperwork to my employer to pay the tuition for 2009 classes, only to find out they put the program on hold due to some financial cutbacks.? The reason for my credit score being so low is due to paying $3,000 down on my tuition by maxing out my credit cards so I could continue my classes.

As January 8, 2010 the current balance that is due to the school is $7500.00 plus $350.00 in late fees.??

?My financial situation:

I am a good candidate for this loan because??By continuing my education, this allows me to move into a management position within my organization.? My salary will increase by $20K.? There is a high demand for Project Managers within my organization.? ?This is my third prosper loan.

About Me:? I work full time W2; my monthly income is around $5,000 this includes overtime; without overtime I bring home $4,000 a month.? Plus I receive annual bonuses.?

My husband works full time W2 and brings home around $4000 a month.

Monthly expenses: $?
??My Bills:?
Home: $500.00
Cable & Internet: $140
Phone: $100.00
Electric: $150.00
House & Car Insurance: $375.00 a month
Car Payment: $380.59 ? remaining balance $10,000
Credit Cards & Loans: $400.00 a month ? balance $2700
Current Prosper Loan: $73.59 ? remaining balance $950.00
Food and Clothing: $250.00 monthly
Entertainment: $75.00 monthly
Student Loan: $7500 plus late fees $350.00 that was just added on last week.

My husband?s Bills:
Mortgage: $1500 a month
Car Payment: $460.00 ? Balance $10,000
Personal Loan: $260.00 a month - $1488.16
Boat Payment: $250.00 ? Balance $5700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3.06% - 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-2000 Debt/Income ratio: 25%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $62,191 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: guitarjrb 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
Pay-Off a high interest credit card
I have made a few attempts at larger loans and have withdrawn them because I do not feel that they would complete funding. Basically, I was testing the water here at the prosper community. What I have decided to do is go after one debt at a time while a prove myself in the prosper community.

I currently have a base pay of $80,000 and a fairly high DTI. Despite this, I have maintained a high credit score and have never defaulted nor been late on a debt. I am a homeowner and remain in a stable career as a computer administrator on a federal contract. The first debt that I want to tackle is my Jared card which has a balance of $900 and an interest rate of 22.9%. Lenders can expect for this loan to be paid early. The current minimum payments on the card are $125.00/m. The requested loan will be somewhere around about $40.00/m and I plan to pay at least $100.00 a month until payoff. Please feel free to ask any questions you see fit!

Net Pay is $4800/m
Expenses total $3500/m

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: 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: $347.24
 
Auction yield range: 3.06% - 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: 9 First credit line: Jun-1993 Debt/Income ratio: 11%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:9y 7m
Amount delinquent: $0 Revolving credit balance: $8,870 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 14%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: responsibility-auctioneer Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to pay off my credit card balances. I have been a good credit customer, but due to late payments on a vacation home I was forced to shortsale due to falling home prices, my credit card companies are playing all kinds of what I consider to be unethical games. (The lender would not do the shortsale unless we were in arrears, so we stopped making the payments) For example, one card froze my credit limit at the balance due, despite the fact that I paid them on time, more than the minimum, and just prior to the freeze, I paid them 1000 dollars on a minimum payment of around 150 dollars!? I am tired of giving the big banks the bucks and would rather pay interest to private people on the internet.?

My financial situation:
I am a good candidate for this loan because I have always paid my credit cards, and prior to the shortsale, always had a credit score in the high 700's. I could find a balance transfer offer, but as I said, I don't want to give any more interest money to the large banks. After I pay off these cards, I will get these banks out of my life forever.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 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-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 13 / 12Employment status:Self-employed
Now delinquent: 0 Total credit lines: 15Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $4,856 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 26%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: receptive-reward8 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
lenders dream
The purpose of this loan is to pay off all credit cards belonging to my wife and I. 4 of these are from first premier who is now raising rates on all cardholders to 79.9% apr to get around the new government law on credit card fees. The total balance on all cards is approx $6700.00 with a total min payment of about $390 per month. I have been paying almost double $700 a month to pay down balances. 6 of theses cards will be destroyed and accts closed once paid off. With the prosper payment figured in i will be saving $400 + per month from what i have been paying making this loan easy to pay off in approx 18 months as opposed to 36.

My current net income is about $4000 per month after all business expenses.

Total monthly expenses are $3100
Rent $500
lights/gas/phone $200
food/entertainment $300
auto $670 with a 24k payoff
ins $150
personal loan $165 with a 3600 payoff
cc $390 have been paying $700
cell phones $175

I own my own semi truck and am leased to one of the largest trucking companies in the country. This assures income and freight stability.
I have owned my own truck for just over 4 years now and am currently in a 2010 model international prostar that was purchased new about 5 months ago.

I am an excellent candidate for this loan because i pay my bills on time and pay more than the minimum payment. I have been very careful with my credit and money
for the last 4 years since starting my own business. My business is very successful and stable even in the current economic climate.

The loan payments WILL be paid on time and loan should be paid off in 18 months.

I would like to thank you in advance for considering this loan.

Please send me a message with any questions and i will gladly answer. I only have internet access at night once i am done driving for the day so i will answer questions nightly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 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: Mar-1992 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Not employed
Now delinquent: 0 Total credit lines: 7Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $1,675Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: bazaar-hero Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Starting a Portrait Painting busine
Purpose of loan:
This loan will be used to?
I am starting my Portrait Painting business, I need the loan to purchase the supplies and to pay for the kiosk in the shopping mall near my home.
My financial situation:
I am a good candidate for this loan because?
Although I am unemployed, I do mystery shopping. My family has helped me in the past few months, so my monthly bills are current.?????????
Monthly net income: $
1000.00
Monthly expenses: $
??Housing: $ 00.00????
??Insurance: $ 109.00
??Car expenses: $? 92.00
??Utilities: $ 00.00
??Phone, cable, internet: $ 00.00?????
??Food, entertainment: $ 00.00
??Clothing, household expenses $ 00.00
??Credit cards and other loans: $ 222.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $505.41
 
Auction yield range: 11.06% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
<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: May-1988 Debt/Income ratio: 26%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $65,902 Occupation: Professional
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: 0    
Screen name: maruc67 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 / 1 On-time: 28 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
700-719 (Jul-2007)
 
Principal balance: $1,273.63 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Paying off my credit cards
Purpose of loan:

(explain what you will be using this loan for) This loan will assist me with paying off the remainder of my high interest credit cards, and will allow me to pay for my daughter's education.


My financial situation:

(explain why you are a good candidate for paying back this loan) My credit history has shown consistently that I am reliable. I am financially stable and trustworthy.



Monthly net income: $ 3,500.00 (does not include my husband's income)



Monthly expenses: $

??Housing: $792

??Insurance: $67

??Car expenses: $0

??Utilities: $150

??Phone, cable, internet: $100

??Food, entertainment: $300
??Clothing, household expenses $150

??Credit cards and other loans: $300

??Other expenses: $

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,464.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $606.12
 
Auction yield range: 17.06% - 28.00% Estimated loss impact: 19.63%  
Lender servicing fee: 1.00% Estimated return: 8.37%  
<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-1978 Debt/Income ratio: 51%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:1y 6m
Amount delinquent: $0 Revolving credit balance: $339,414 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: value-orchid 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
Replace high interest Credit card
Purpose of loan:
This loan will be used to? Replace the 29% interest rate on a credit card.

My financial situation:
I am a good candidate for this loan because?I am already making the payments. I am current and I have never been late. But 29% is a excessive rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 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: 2 First credit line: Jun-1998 Debt/Income ratio: 28%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 30Length of status:6y 3m
Amount delinquent: $1,438 Revolving credit balance: $4,737 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 2    
Screen name: cutiepatudie06 Borrower's state: Virginia Borrower's group: DrCredit
Credit and homeownership information was obtained from 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 all of my debt. I am trying to start fresh in the new year and pay off all of my credit cards in one payment. ?

My financial situation:
I am a good candidate for this loan because I am a hard worker and very dependable. I have never let any payments go unpaid. I am a?very determined person and am determined to pay off these credit cards. I have a full time secure?job with the school system.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $976.39
 
Auction yield range: 17.06% - 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-1980 Debt/Income ratio: 41%
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 7m
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: 42 ( 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: $1,976.08 1+ mo. late: 0 ( 0% )
Total payments billed: 42  
Description
I REALLY NEED YOUR HELP
Purpose of loan:
This loan will pay off all my credit cards and personal loans.? It will also pay off a couple of payday loans.? I don't know why prosper has me listed as and HR rating.? This is my 3rd loan request and the first loan I had a C rating, the 2nd loan was a B rating and now they show me at an HR rating.? I don't understand why but I promise I can and will make all my payments.? I would like to be able to close my credit card accounts and know they are totally paid off.? I would rather pay you, the people of prosper, interest then the credit card companies.? If I continue to have to pay the credit card companies, it will get harder and harder to do so as they are changing their interest rates and yearly fees.? Please help me on the road to credit card freedom and to sleeping better...( I won't be worrying about how to pay them)
My financial situation:
I have been at my current job for over 21 years and it is very secure.? I have always paid my loans with prosper and will do so this time also if you will please help me.
Monthly net income: $ 2900
Monthly expenses: $
??Housing: $ 1068
??Insurance: $ 106
??Car expenses: $
??Utilities: $ 110
??Phone, cable, internet: $ 155
??Food, entertainment: $?50
??Clothing, household expenses $?
??Credit cards and other loans: $?600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 11.06% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
<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: 7 First credit line: Jun-1996 Debt/Income ratio: 25%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 18 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $10,188 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 21%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: living33 Borrower's state: Nebraska 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
Want to consolidate some debt
Purpose of loan:
I am looking for a loan to consolidate a really high interest debt that I have. I am planning on getting married this year, and this debt consolidation will allow me to save some money to help pay for some of those expenses.

My financial situation:
I have never missed a?payment that I owe. I am very trustworthy.?I ran into some financial problems because of some unexpected expenses?about three years ago. I worked my tail off to get out of that hole, and have recently begun to do so. While ?I was completely underwater financially, I still never missed a payment. The only reason that my credit score is not as high as it should be is simply because of the last of the debt I have to pay off is skewing my utilization component of my credit score. I am proud of what I have been able to accomplish. I recently purchased my first home, and am now just looking for that little extra to take out my last bad loan so I can start over. I have a $3,500 loan that I am paying about 106% interest on. Once I remove that obligation and can better pay that debt down and also save some money to help take care of some marriage expenses I may have.

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 80
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,350.00 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: $137.48
 
Auction yield range: 11.06% - 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: Oct-1982 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $6,336 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 87%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: cash-lyrics 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
Consolidating College Debt
Purpose of loan:
This loan will be used to help pay off credit card debt and applied towards loans, both which I accumulated during my time at the University of Florida. I have recently graduated and am working with an internet start-up business and would like to consolidate my payments.

My financial situation:
I consider myself a perfect candidate for this loan because I am a responsible college graduate who is well respected by his peers. I have never missed a payment on any of my credit cards and I take my credit score seriously. I plan to be very diligent in this loan process so that I leave my name in good standing here on prosper.com. I currently work with an internet start-up business which is on the cusp of great things during a very short period of time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.81% Starting borrower rate/APR: 20.81% / 23.06% Starting monthly payment: $563.66
 
Auction yield range: 11.06% - 19.81% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 9.34%  
<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: 7 First credit line: Jul-1999 Debt/Income ratio: 43%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 18 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:8y 0m
Amount delinquent: $0 Revolving credit balance: $75,424 Occupation: Analyst
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: 0    
Screen name: Goodguynice 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
700-719 (Aug-2008)
 
Principal balance: $4,614.07 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Paying Off High Interest Loan
Purpose of loan:
This loan will be used to pay off and consolidate higher interest loans.?

My financial situation:
I am a good candidate for this loan because ,?I have a stable job, never been late on any payments - always paid on time.

Monthly net income: $4600

Monthly expenses: $2000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $929.09
 
Auction yield range: 17.06% - 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: 3 First credit line: Aug-1977 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jan-2010) Current / open credit lines: 10 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 16Length of status:10y 11m
Amount delinquent: $0 Revolving credit balance: $26,814 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: wise-fund-storm 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
Remodel Kitchen and Bath
Purpose of loan:
This loan will be used to? replace floor in kitchen, kitchen counter-top & cabinets, move a wall to make kitchen a little larger, two appliance replacments (oven and dishwasher); Bath needs flooring, toilet and some replumbing.? I will do some of the work myself to save on labor costs.

My financial situation:
I am a good candidate for this loan because? I have always paid my bills on time (mortgage, credit cards, utilities, taxes, etc). I tend to be both cautious and conservative, I do not "bite off more than I can chew". ?I have owned my own business (a restaurant) for 9 years and also have an unrelated retail website.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 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-2006 Debt/Income ratio: 12%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $796 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 11%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: unequaled-note8 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
Personal use
Purpose of loan:
This loan will be used to... It's personal

My financial situation:
I am a good candidate for this loan because?
i manage money very well ????
Monthly net income: $
$1800+
Monthly expenses: $
??Housing: $ 450
??Insurance: $ 63
??Car expenses: $
??Utilities: $ 0
??Phone, cable, internet: $ 90
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $904.56
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.88%  
<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-1993 Debt/Income ratio: 26%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:3y 7m
Amount delinquent: $0 Revolving credit balance: $22,754 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99%Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: integrity-burst7 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?
consolidate credit card balances and pay them off so that I can secure a loan for a room addition to my home.

My financial situation:
I am a good candidate for this loan because?
I have a steady income and solid employment and I would rather make one payment?than 5 different payments at different times of the month.

Monthly net income: $5800


Monthly expenses: $?5400
??Housing: $ 2756
??Insurance: $ 150
??Car expenses: $700
??Utilities: $ 120
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,075.00 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: $93.86
 
Auction yield range: 17.06% - 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: Dec-1980 Debt/Income ratio: 8%
Credit score: 600-619 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 14Length of status:29y 7m
Amount delinquent: $8,313 Revolving credit balance: $1,299 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 99%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% ) 600-619 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
660-679 (Dec-2009)
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, Please help me to start 2010 with getting out of debt.? Your help would be a tremendous help in achieving this goal.? Credit Karma score is653.


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.

Thank you so much for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1992 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2010) Current / open credit lines: 4 / 1Employment status:Not employed
Now delinquent: 0 Total credit lines: 19Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $0Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0% 
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sunny-platinum5 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
living expenses job starts in 3 wks
Purpose of loan:
This loan will be used to? pay for living expenses until my job starts in 3 weeks.

My financial situation:
I am a good candidate for this loan because? I will make regular monthly payments once I get my first paycheck.

Monthly net income: $ 3-4000 once the job starts

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 85????
??Car expenses: $380
??Utilities: $?75????
??Phone, cable, internet: $ 100
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1999 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:1y 9m
Amount delinquent: $0 Revolving credit balance: $2,144 Occupation: Professional
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: 0    
Screen name: natural-bill4 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
graduate school funds
This loan will be used to pay the current balance off on my school?bill so I can register and pay for my last class of graduate school and proceed with completing my comprehensive exams and my thesis.? Upon graduating it will place me in a more competitive state with regards to marketing myself in my career as a Mental Health Professional.? I am a good candidate for this loan because this is not a reoccurring request and the funding?will allow me to?complete my schooling without sacrificing?household bills or compromise my cost of living.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $35,884 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 4    
Screen name: cerebral-investment 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
Need immed. funds for scar revision
Purpose of loan:

I am looking to obtain this personal in order to pay for an acne scar revision procedure.? The medical institution that will perform the operation does not have any monthly payment program therefore they?are requiring customers to pay the balance in full.? This is the reason as to why i am looking to borrow a?lump sum amount and?make monthly?payments on a timely basis.?

My financial situation:

I am a?good candidate for this loan because i just need the?lump sum?amount up front but have no problem making timely monthly payments.? As evidence by my credit?report i have not missed any payments to any of my creditors.?? I?value my credit immensely?and i plan to maintain?my credit by making timely payments to all creditors.?I had recently paid off an auto loan that?was financed for the past 5 years?@ 429.59 per months which will insure that i can make?monthly without any problems.? ?My?montly outgoing debt is fairly minimal, but i need this loan because the?medical institution wants the funds upfront.


Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 750
??Insurance: $?500 every?6 months
??Car expenses: $?car is paid off
??Utilities: $ included in the housing amount
??Phone, cable, internet: $?0
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
? Credit cards and other loans: $751?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.06% - 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: Jun-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 8Length of status:10y 8m
Amount delinquent: $0 Revolving credit balance: $8,022 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bizlady75 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: 21 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
600-619 (Mar-2008)
 
Principal balance: $2,368.56 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Office building for business
Purpose of loan:
This loan will be used to buy?and set up an office building for my bookkeeping business. It is a small kit cabin type - cabin approx $2500 with the remailing money used for furnishing, signage etc. We own the property that it will sit on. ? The location is better and more professional and I am hoping it will attract more clients with a friendlier atmosphere.

My financial situation:
I am a good candidate for this loan because my business is growing and?I have a great record with Prosper with keeping my promise and making payments on time .? While my credit may not be perfect it is improving each year and I am getting closer each month to being debt free.

Monthly net income: $ 2400.00

Monthly expenses: $
??Housing: $?350???????????
??Insurance: $ 59
??Car expenses: $ 50.
??Utilities: $?45
??Phone, cable, internet: $?79
??Food, entertainment: $ 300
??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 441981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $102.60
 
Auction yield range: 11.06% - 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: Sep-2003 Debt/Income ratio: 30%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $7,123 Occupation: Sales - Commission
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: 0    
Screen name: young_Professional24 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
Recent Grad in market for new car
Purpose of loan:
This loan will be used to purchase?my 2nd car within?7 years. I would like to purchase a reliable car that will allow me to drive to and from work and will have?for several years.?I currently have a down payment for a new car of $2,000 and am?looking?to get an?auto loan at decent monthly payment.?I have been employed full-time for 2 years within the staffing and recruiting industry?after graduating from college.

My financial situation:
I am a good candidate for this loan because I am employed full time, am reliable?and a pay my bills on time.

Monthly net income: $ 2,400

Monthly expenses: $ 1,650
Housing: $ 500
Insurance: $ 110
Car expenses: $ 165
Utilities: $ 25
Phone, cable, internet: $ 25
Food, entertainment: $ 125
Clothing, household expenses $ 50
Credit cards and other loans: $ 600
Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1998 Debt/Income ratio: 14%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 13Length of status:11y 10m
Amount delinquent: $13,003 Revolving credit balance: $11,181 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 3    
Screen name: Visual_Foto_Artist2 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
Debt consolidation
Purpose of loan:The purpose of this loan is to pay off the remaining debt that I have been working down. I haved to managed to reduce my debt ending 2009 but still carry overhead?which continues into 2010.

Lenders, I am a full time healthcare employee with over eighteen years of history in a hospital setting. I have begun plans to acquired a second income and look to you for final assistance.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $588.07
 
Auction yield range: 17.06% - 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: Feb-2006 Debt/Income ratio: 25%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 3Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $1,419 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 7    
Screen name: bill-bridge9 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
fixing up my new house
Purpose of loan:
This loan will be used to fix up things in my new house.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and It's a new year and I'm trying to a better family man.

Monthly net income: $

Monthly expenses: $
??Housing:??1617
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 345
??Phone, cable, internet: $ 125
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.14% Starting borrower rate/APR: 30.14% / 32.52% Starting monthly payment: $170.11
 
Auction yield range: 11.06% - 29.14% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.41%  
<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-1973 Debt/Income ratio: 18%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $13,985 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Homeownership: No  
Inquiries last 6m: 1    
Screen name: five-star-fairness7 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
paying of bills and getting masters
Purpose of loan:
This loan will be used to?pay of bills and help my wife get started on getting her masters degree.? I would the best for her and by her getting her masters degree will enable to get a pay increase.?

My financial situation:
I am a good candidate for this loan because and I am a hard worker and do what is best for my family.?

Monthly net income: $ over $3000

Monthly expenses: $
??Housing: $?????????????????????????????????????800
??Insurance: $????????????????????????????????????140
??Car expenses: $?????????????????????????????220
??Utilities: $?????????????????????????????????????0 part of my job
??Phone, cable, internet: $?????????????????200
??Food, entertainment: $?????????????????????300
??Clothing, household expenses $?????????500
??Credit cards and other loans: $?????????500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 17.06% - 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: Jul-2000 Debt/Income ratio: 50%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 3m
Amount delinquent: $0 Revolving credit balance: $8,046 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: top-useful-return 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
personal
Purpose of loan:
This loan will be used to?Pay for bills and other needs at this time

My financial situation:
I am a good candidate for this loan because? i have a steady job and income and will pay back the money asap.

Monthly net income: $ 1200

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 150
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,675.00 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: $75.77
 
Auction yield range: 14.06% - 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: 8 First credit line: Nov-1987 Debt/Income ratio: 16%
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:10y 0m
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
3rd re-list 2nd Prosper loan
Purpose of loan:at
This loan will be used to? pay off my first prosper loan,pay off a few personal bills ..The Pic of me is when i was a great football player and i always believe that nothing was too impossible for me to achieve. plus i never give up.....

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: $
undefined undefined undefined
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $806.68
 
Auction yield range: 6.06% - 9.00% Estimated loss impact: 5.14%  
Lender servicing fee: 1.00% Estimated return: 3.86%  
<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-1995 Debt/Income ratio: 60%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 26 / 24Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:11y 7m
Amount delinquent: $0 Revolving credit balance: $36,220 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: pious-credit8 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 card debt
Purpose of loan:
This loan will be used to? consolidate cedit card debt to lower monthly payments

My financial situation:
I am a good candidate for this loan because? I have been with the Navy for 12 years and earn a steady paycheck that would be able to pay a reduced monthly payment to eliminate my debt faster woith a lower interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $162.82
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<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-2002 Debt/Income ratio: 68%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:7y 11m
Amount delinquent: $0 Revolving credit balance: $2,379 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: dedication-shakespeare 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
vacation trip
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 442011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $135.55
 
Auction yield range: 4.06% - 12.40% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 10.26%  
<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: Jun-2002 Debt/Income ratio: 43%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 19 / 16Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 21Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $16,879 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: IMPULSE82 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 high interest card.
Purpose of loan:
This loan will be used to pay off my high interest credit card, i really want to be debt free and start a new life.
My financial situation:
I am a good candidate for this loan because I have a bright future in medicine, i just have to survive a year of debt issues. I would be really thankful for your help.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $904.56
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.38%  
<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: 1 First credit line: Apr-1995 Debt/Income ratio: 48%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 17 / 13Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 45Length of status:7y 10m
Amount delinquent: $278 Revolving credit balance: $121,737 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: goodhearted-liberty6 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? paying off credit cards

My financial situation:
I am a good candidate for this loan because? Im very responsible, I value my credit and have a very strong moral understanding of paying off my obligations. I have very strong employer i work for?los angelees county metropolitan?transportation authority. They offer year round overtime, so that is extra secure income!?PLEASE SOMEONE OUT THERE WITH A GOOD HEART, I NEED HELP!!!!??
Monthly net income: $ 6000.00

Monthly expenses: $
??Housing: $ 1816.00
??Insurance: $ 200.00
??Car expenses: $ 25.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 1600.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Self-employed
Now delinquent: 0 Total credit lines: 14Length of status:2y 11m
Amount delinquent: $0 Revolving credit balance: $2,003 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: superb-reward3 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
pay off bill
Purpose of loan:
This loan will be used to?remove a judgement on my husbands credit report

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

Monthly net income: $3900

Monthly expenses: $2000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $549.84
 
Auction yield range: 17.06% - 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: May-1999 Debt/Income ratio: 22%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:5y 7m
Amount delinquent: $0 Revolving credit balance: $1,066 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 21%Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Homeownership: No  
Inquiries last 6m: 1    
Screen name: attractive-market0 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating for A New Life
Purpose of loan:


Student Loans: apprx. $18,000 Car: Total Due: $8400 Plan to use the balance of funds topay down balances Credit Card: $1200 My other expenses mthly are rent which is $600. Interest Rates on all of these are greater than 20% except for my student loans which are @ 10% I am trying to consolidate these debts so that I can have a better interest rate on a mortgage, I am planning on buying my family home which I grew up in. I have pulled my credit score before applying on?Prosper and on Credit Adapter it was 725. My student loan debt is what is bringing down my score and I can pay off the student loan debt immediately whereas it would be years if I made regular student loan payments and the loan on?Prosper is paid off in 3 years or less, which would leave me debt free. So I am trying to get that paid down/off to regain some leverage. Thank you very much! Thank you very much for the question!My financial situation:


I think I am a good candidate for this loan because I have been paying my debt off, not overindulging in spending, and being responsible.? I have worked very hard for my score.? I also have been at my current employment 5 1/2 years and am doing great!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 17.06% - 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: 2 First credit line: Jun-1982 Debt/Income ratio: 24%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 33Length of status:0y 2m
Amount delinquent: $2,939 Revolving credit balance: $4,889 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 102%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: investment-bell 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
Getting back on track
Purpose of loan:
This loan will be used to get back on track.

My financial situation:
I am a good candidate for this loan because I am employed and have steady income.

Monthly net income: $ 4000.00

Monthly expenses: $ 2000.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Jan-1999 Debt/Income ratio: 52%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:8y 5m
Amount delinquent: $0 Revolving credit balance: $27,119 Occupation: Teacher
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: 0    
Screen name: micaha1 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 17 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2008)
620-639 (Mar-2008)
 
Principal balance: $1,962.05 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Debt consolidation
Purpose of loan:
This loan will be used to? consolidate my debt and help me improve my financial status as well as provide for a new baby.

My financial situation:
I am a good candidate for this loan because? I am a hard-working, Christian educator and church music director.? I also teach piano/voice lessons to underpriviliged children.??My husband was laid off from work two weeks ago and is eligible for unemployment but hasn't been put into the system yet.? We are having our first child in two months and I will have to bear the majority of costs/bills.? We would like to consolidate our debt and give what we would rather pay in?interest to hard-working decent people than pay greedy credit card companies.? We appreciate any assistance anyone is able to give and pray God blesses you.? We have listed before and have never missed a payment.

Monthly net income: $ 3400

Monthly expenses: $ 2000
??Housing: $ 0.00
??Insurance: $ 135.00/month
??Car expenses: $?0.00
??Utilities: $ 100.00-150.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00 or less?
??Credit cards and other loans: $ 900.00
??Other expenses: $ 50.00-300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Mar-2003 Debt/Income ratio: 31%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $10,192 Occupation: Accountant/CPA
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: 6    
Screen name: courageous-bid1 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
Attending an Avatar Course
Purpose of loan:
This loan will be used to? Attend the 25th annual Avatar Wizards course.? This is a two-week long international course about reaching you full potential and being of service to the world.? There will be over 3,000 people in attendance from over 50 different countries, all coming together to make the world a better place.


My financial situation:
I am a good candidate for this loan because? I will be able to make the payments with the income I currently have, but will also be able to start teaching and delivering Avatar to other people more effectively after this course, which will bring in even more money to make the payments.

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $300.00
??Insurance: $76.00
??Car expenses: $395.00
??Utilities: $25.00
??Phone, cable, internet: $ n/a
??Food, entertainment: $250.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $217.00
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $542.74
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<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-1994 Debt/Income ratio: 18%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 17 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:6y 9m
Amount delinquent: $0 Revolving credit balance: $9,881 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: revenue-wind3 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
Debt Consolidation
Purpose of loan:
This loan will be used to?
Consolidate credit card debt into one monthly payment.?

My financial situation:
I am a good candidate for this loan because?
1,? I am not behind in any bills.? I have amassed a lot of debt which is something I am working to correct.? I am not late on any of my obligations.?
2.? I have never been late on my seven year mortgage.?
3.? I have never been late on the payments for any of my cars.?
I am working to fix mistakes I have made in amassing too much debt.? One step is debt consolidation and having one payment for the debt.? Most of my credit card accounts are closed and it is my intention to close more.?
I have a stable, growing income, with? my present fortune 500 company and have plans on staying with them for years to come.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.59% Starting monthly payment: $56.57
 
Auction yield range: 8.06% - 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: Nov-1995 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jan-2010) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:10y 4m
Amount delinquent: $0 Revolving credit balance: $67,782 Occupation: Administrative Assi...
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: peso-slingshot Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying on credit cards
Purpose of loan:
This loan will be used to?

pay off some of my finances and some on my credit card.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 14.06% - 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: 7 First credit line: Oct-1984 Debt/Income ratio: 26%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 4 Total credit lines: 43Length of status:0y 7m
Amount delinquent: $3,443 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 (Dec-2009)
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
TAKING ONE DAY AT A TIME
?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 for the New Year.

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 442069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: 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: $497.60
 
Auction yield range: 17.06% - 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: Sep-2001 Debt/Income ratio: 35%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $11,159 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 58%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: intrepid-agreement5 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
Consolidation of credit cards
Purpose of loan:
This loan will be used to consolidate various credit cards

My financial situation:
I am a good candidate for this loan because as you will notice on my credit report, I never pay late and I always pay much more than the minimum amount due.?

Monthly net income: $ 5,8333.33

Monthly expenses: $
??Housing: $ 825.00 (includes utilities)
??Insurance: $ 119.00
??Car expenses: $ 316
??Utilities: $
??Phone, cable, internet: $?135.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 953.00 (monthly amount w/o consolidating)
??Other expenses: $ 120.00 (gas form my car)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $79.52
 
Auction yield range: 17.06% - 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: Sep-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 20Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $9,431 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 54%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: camaraderi-student 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
Publish non-fiction
Purpose of loan:
This loan will be used to publish a non-fiction book. I am putting up half the money myself and looking to borrow half. I expect to make back the loan amount from sales of the book in six months.

My financial situation:
Finances are under control. I am living off my rental income and life-savings so I can dedicate my entire focus to publish the book. My credit score is excellent. I am a responsible and diligent individual. The monthly payment well be easily affordable for me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 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: Jul-1994 Debt/Income ratio: 28%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $97,730 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: FredNantz 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
Consolidation Loan
Purpose of loan:
This loan will be used to consolidate credit card loans

My financial situation:
I am a good candidate for this loan because I have NEVER missed or been late on a payment in over 20 years of financial dealings.

Monthly net income: $

Monthly expenses: $
??Housing: $ 2750
??Insurance: $ 200
??Car expenses: $ 1200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442081
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $800.82
 
Auction yield range: 3.06% - 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: 6 First credit line: Aug-2000 Debt/Income ratio: 17%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $1,712 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: penny-palm 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
Debt Consolidation and MC Purchase
Purpose of loan:
This loan will be used to consolidate credit card debt and purchase a new motorcycle.

My financial situation:
I am a good candidate for this loan because I am very financially stable and I own my home.? I have a strong interest in maintaining my good financial reputation because I see a bright future if I do.? I recently received a raise at work and have good reason to expect another one very soon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $929.09
 
Auction yield range: 17.06% - 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: Jul-2005 Debt/Income ratio: 36%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 14 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $1,890 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: golden-power6 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 credit cards
Purpose of loan:
I want to pay off my credit cards and pay off my car loan (4000 total and 350/month ).?
My financial situation:
I am a good candidate for this loan because I have steady income , I am redy to majke payments bi weekly ,through automatic payments, please help me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 428378
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
Starting lender yield: 22.20% Starting borrower rate/APR: 23.20% / 25.48% Starting monthly payment: $174.66
 
Auction yield range: 17.06% - 22.20% Estimated loss impact: 20.26%  
Lender servicing fee: 1.00% Estimated return: 1.94%  
<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-2005 Debt/Income ratio: 32%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 10Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $7,673 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 107%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: comet894 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
620-639 (Sep-2008)
 
Principal balance: $1,281.57 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
PAYING FOR COLLEGE
Purpose of loan:
This loan will be used to? PAY TO TAKE SOME COLLEGE COURSES

My financial situation:
I am a good candidate for this loan because? I PAY ALL OF MY BILLS ON TIME

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 700????
??Insurance: $ 140
??Car expenses: $ 390
??Utilities: $ 140
??Phone, cable, internet: $ 95
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 430
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 434024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Jan-1991 Debt/Income ratio: 22%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 16 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 35Length of status:22y 1m
Amount delinquent: $0 Revolving credit balance: $26,411 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 88%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: power-sorcerer Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off my high interest credit car
Purpose of loan:
This loan will be used to consolidate my high interest credit cards, ranging from 19.99% to 24.00%?

My financial situation:
I am a good candidate for this loan because my credit history indicates that I pay my bills in a timely manner.? Also, a friend that is already a Prosper member has a good rating with you. Her name is Cheryll Merritt of Douglasville, Georgia, and she recommended this site to me.? I do not have any bankruptcies, and all of?liens have been paid in full.? Two of the?tax liens?were placed on my account when my husband fail to pay on his personal charge cards.? Since he was on the deed to our home. the lien was crossed referenced and also placed on my credit report.? However,?since that time, his name has been removed from the deed and the liens have been paid in full.? The other deliquency was placed on my account because of an?IRS tax lien.? I was unable to pay taxes for several years after my husband had?a stroke and lost his job.? I borrowed $35,000 from several charge cards to pay the IRS, but the interest has increased on most of the cards.

Monthly expenses: $
??Housing: $ 805.00
??Insurance: $?65.00 homeowners, $311.00 life, short and long term disability, vision, dental, hospitalization?
? household - 150.00
??Car expenses: $ 0
??Utilities: $?320
??Phone, cable, internet: $229
??Food, entertainment: $ 480
??Clothing, household expenses $ 150?
??Credit cards and other loans: $?925.00
??Other expenses: $ 315.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 20.55% Starting borrower rate/APR: 22.55% / 24.82% Starting monthly payment: $461.71
 
Auction yield range: 8.06% - 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: 4 First credit line: Nov-1996 Debt/Income ratio: 14%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 13Length of status:28y 0m
Amount delinquent: $380 Revolving credit balance: $43 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: caring-reward 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
Using Loan for Semi Truck repairs
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 441680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,800.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $296.51
 
Auction yield range: 4.06% - 12.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.86%  
<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-1996 Debt/Income ratio: 45%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 19 / 15Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 37Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $73,905 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 79%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: BKinSM Borrower's state: California Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I need your help..great returns..
Purpose of loan:
Early 2008, I purchased a bank owned home.?I thought it was a great time to purchase this home because smaller house than mine was at least 40-50k higher in this area and the bank gave me alot of money for closing the deal.
After purchasing home, we do alot of remodeling. I did try to request prosper loan back then, but didnt get funded. So, I use few of my credit cards to fund the remodeling.
Credit union has been a great company. But, commercial bank recently jack up the interest rate. So, I have one card that started as?0%?interest and will start to?charge finance in?early 2010.?Rate should have 8.9% after the BT promotion, however?bank jack it up?to 15.9%. I tried to fight it with the bank but i go nowhere.

Financial situation (Updated 12/23/09):
I am a good candidate because:
1. I am responsible and pay my bills on time
2. Stable job, been with the company for more than?8 years. future job?security is also stable.
3. I believe in People to people lending.
4. I had over 10k lending in prosper at one point?and currently still holding several loans (about 3.2k balance now)
5. I am a?home owner. my rate is 30 years fixed at 5.375% (I buy down the rate in 2008 from bank's closing money)
6. I took 2nd job at my friend restaurant?part time (3x dinner/week)
7. Filed Bk Chap 7 in 2001, did stupid financial mistakes in younger age. Have been paying on time since then.
8. I dont have anything deliquent. Now deliquent is from rehab student loan. Now Delinquent from Experian

Monthly net income: $ 5250 (after 401k, insurance, fed & state tax), including 2nd job.

Monthly expenses: $
??Housing: $1400 (my part, my wife is a florist and pays the other half)
??Prop Tax,?Insurances: <$750/mo
??Car expenses: <$50 (my work is?3 exits away from my home)
??Utilities: < $200
??Phone, cable, internet: <$150
??Food, entertainment: <$400
??Credit cards and other loans: <$1500 (should reduced?when prosper loan funded)
??Other expenses: <$100?

Monthly net around $500-700 (normally applied to pay my loans)

My goal is to pay down my debts in 3 years.

Thank you for your time and consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $325.37
 
Auction yield range: 4.06% - 17.00% Estimated loss impact: 2.17%  
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: 9 First credit line: Sep-1989 Debt/Income ratio: 33%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:8y 0m
Amount delinquent: $0 Revolving credit balance: $8,581 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: unrelenting-asset0 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
Taking Charge of My Credit!
Purpose of loan:
This loan will be used to? consolidate 3 credit cards that charge high interest rates.? The interest rates were raised but not due to lack of payment or deficiencies on my part.? This loan is not for any future purchases just strictly for debt consolidation.

My financial situation:
I am a good candidate for this loan because? I am a single, professional female who is responsible and trying to be smart and financially secure.? I take pride in my accomplishments, and my financial security and reputation are important.? I have no dependents.? I am a tenured instructor at the local community college.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Mar-1982 Debt/Income ratio: 33%
Credit score: 600-619 (Jan-2010) Current / open credit lines: 19 / 18Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 61Length of status:13y 0m
Amount delinquent: $278 Revolving credit balance: $14,818 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: dano1289 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 47 ( 100% ) 600-619 (Latest)
Principal borrowed: $8,050.00< mo. late: 0 ( 0% )  
620-639 (Jun-2008)
600-619 (Mar-2008)
660-679 (Jul-2007)
 
Principal balance: $1,110.37 1+ mo. late: 0 ( 0% )
Total payments billed: 47  
Description
Pay Off Some Debt
Purpose of loan:?Need Cash to Get Caught Up on Bills

Financial situation:?I am a retired police officer, still currently employed in the law enforcement field.? I am?paying for my?two daughter's?college.??My credit score is?low?because I have too much credit, not because I do not pay my bills.??I have not been late on any mortgage, car or other payments in the last?three years.? I just joined a debt management plan to pay off credit cards.? I will?use?this money to pay off?some smaller loans.? I would like potential lenders to know that I have always believed in paying my debts and intend to continue to do so.? You help?is greatly appreciated.?

Monthly net income: $7,800.00

Monthly expenses: $
??Housing: $2860
??Insurance: $315?
??Car loans: $598
??Utilities: $300
??Phone, cable, internet: $187?
??Food, entertainment: $600?
??Clothing, household expenses $100?
??Credit cards and other loans: $753?
??Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.72% Starting monthly payment: $47.28
 
Auction yield range: 4.06% - 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: Aug-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2009) Current / open credit lines: 10 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 14Length of status:9y 4m
Amount delinquent: $0 Revolving credit balance: $23,183 Occupation: Computer Programmer
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: 0    
Screen name: peter71 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off one credit card
Purpose of loan:
This loan will be used to pay off one of my credit cards. it is a Capital One Business Credit Card and this loan will pay it off ($900) and my business account with Dell which I owe $600.? Both have interest rates over 30%.

My financial situation:
I am a good candidate for this loan because my business has been taking off the last month or so. I am a graphic designer and web designer who got laid off from my old job in August after my daughter was born.? With the hospital bills and my wife's leave from work we got behind on our bills.? We are getting back on top and paying these off would go a long way to lowering my monthly debt and make it easier for my business to continue to grow.

Currently I have just signed two contracts for over $2000 each, and have a $10,000 store build that I have just verbally closed the deal on. Not definite, but looking promising.

Monthly net income: $ 4000 personal/$8500 with my wife's income as a Physical Therapist and income from a rental house

Monthly expenses: $
??Housing: $ 2900 (including rental)
??Insurance: $ 200
??Car expenses: $500 (one car payment and insurance.? Car will be paid off in 24? months)
??Utilities: $ 200 (power, water, garbage & recycleing)
??Phone, cable, internet: $ 120
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1200
??Other expenses: $5 00 Student Loans
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $117.61
 
Auction yield range: 11.06% - 34.00% Estimated loss impact: 10.87%  
Lender servicing fee: 1.00% Estimated return: 23.13%  
<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: 6 First credit line: Sep-1997 Debt/Income ratio: 15%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 17 / 15Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 46Length of status:26y 10m
Amount delinquent: $4,386 Revolving credit balance: $3,337 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: Helpme15 Borrower's state: Mississippi 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
Paying off my debt
Purpose of loan:
This loan will be used to?pay off my debt.?Due to the economy I had to take a huge pay cut in order to keep my job and this loan will?be a big help.

My financial situation:
I am a good candidate for this loan because? I pay all of my bills I am?just having a hard time now due to the economy that is why?I need to get this loan so I can pay a few things off and start the New year off in control of my debt. Thanks for bidding

Monthly net income: $ 2000 Take home?

Monthly expenses: $?
??Housing: $ 655
??Insurance: $100?
? Car expenses: $100 a month for gas?
??Utilities: $?220
??Phone, cable, internet: $?85
??Food, entertainment: $?150?just food (not?Entertainment)
??Clothing, household expenses $0 don't buy clothes and household expenses on a monthly basis?
??Credit cards and other loans: $450
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441738
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Sep-2004 Debt/Income ratio: 11%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 8Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 5    
Screen name: indomitable-yield9 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 for classes
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 2800.00

Monthly expenses: $ 1000.00
??Housing: $ 950.00
??Insurance: $
??Car expenses: $
??Utilities: $ 50.00
??Phone, cable, internet: $
??Food, entertainment: $200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.59% Starting monthly payment: $56.57
 
Auction yield range: 8.06% - 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: Jul-2001 Debt/Income ratio: 14%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 8 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $1,847 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: dans25 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: 31 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-639 (May-2007)
600-619 (Apr-2007)
 
Principal balance: $167.35 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
suring up a few debts
Purpose of loan:
Suring up a few debts, car payment very close to being paid off.

My financial situation:
Getting a part time job, fairly new to credit, but pay bills on time.

Monthly net income: $
2,000

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.06% - 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-2002 Debt/Income ratio: 22%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 2 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 2Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $2,637 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: fund-sushi2 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 for my wedding and medical
Purpose of loan:
This loan will be used to?
pay for the rest of wedding expenses such as: wedding cake, reception hall, photography, and the rest of the honey moon
My financial situation: Is steady but i have medical and dental bills adding up, that plus the rest of the expenses for the wedding are just to much. we just want to have everything paid for and compiled up to one bill for easy payment.
I am a good candidate for this loan because? I have full time employment and a steady job. plus i have been working at the job for a year and a half with a decent credit score of 686.

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $600
??Insurance: $376
??Car expenses: $50
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $250
??Clothing, household expenses $25
??Credit cards and other loans: $40
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1998 Debt/Income ratio: 45%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:5y 10m
Amount delinquent: $0 Revolving credit balance: $5,649 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: need15 Borrower's state: NewYork Borrower's group: Fresh Start Lending
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Elimination of Debt
Purpose of loan:
This loan will be used to?pay off debt and starting over financially.?????????

My financial situation:
I am a good candidate for this loan because?I have been very reliable and responsible with my bills and?will receive a raise soon that will repay this loan.?

Monthly net income: $2,400 - 2,700?

Monthly expenses: $2115.73
??Housing: $612
??Insurance: $49.60
??Car expenses: $497.90
??Utilities: $
??Phone, cable, internet: $122
??Food, entertainment: $150
??Clothing, household expenses $
??Credit cards and other loans: $684.23
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $180.91
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<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-1999 Debt/Income ratio: 15%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $835 Occupation: Food Service
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: 1    
Screen name: Red2000bc 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 bills and improving cred
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 441764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.77% Starting borrower rate/APR: 31.77% / 34.17% Starting monthly payment: $130.28
 
Auction yield range: 14.06% - 30.77% Estimated loss impact: 15.41%  
Lender servicing fee: 1.00% Estimated return: 15.36%  
<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: 6 First credit line: Dec-1984 Debt/Income ratio: 40%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:4y 9m
Amount delinquent: $0 Revolving credit balance: $12,356 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 96%Stated income:$1-$24,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 0    
Screen name: heavenly-note9 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
pay off debt with high finance char
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 441770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 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: Oct-1992 Debt/Income ratio: 25%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $7,756 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: self-reliant-p2ploan8 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
An answer to prayer
Purpose of loan:
This loan will be used to?
Pay off some small bills-such as medical and schooling.? In addition, I just had my truck fixed, and that went above our budget.
My financial situation:
I am a good candidate for this loan because? I am responsible and need to set a good example for my sons.? I would rather borrow money then not pay my bills at all.? I?can?support my family, but we have?these few extra bills and I want to get them covered, rather then prolonging them.? My wife and I will be able to make the payments with?no problems.? We just really need this loan at this time and we promise to repay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $87.11
 
Auction yield range: 11.06% - 31.00% Estimated loss impact: 10.78%  
Lender servicing fee: 1.00% Estimated return: 20.22%  
<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-1983 Debt/Income ratio: 5%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 6 / 2Employment status:Retired
Now delinquent: 0 Total credit lines: 29Length of status:7y 10m
Amount delinquent: $0 Revolving credit balance: $604Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 100% 
Delinquencies in last 7y: 22 Homeownership: No  
Inquiries last 6m: 0    
Screen name: robust-responsibility 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
home repair and personal
Purpose of loan:
This loan will be used to? to pay for repair on my house and pay taxes.

My financial situation:
I am a good candidate for this loan because? i have no credit card just bank debit card.honest customer to pay back.

Monthly net income: $ 1625.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 75
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 75
??Food, entertainment: $ 45
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.56% Starting borrower rate/APR: 25.56% / 27.87% Starting monthly payment: $200.28
 
Auction yield range: 11.06% - 24.56% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.95%  
<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: 7 First credit line: Jan-2002 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Not employed
Now delinquent: 0 Total credit lines: 19Length of status:0y 11m
Amount delinquent: $0 Revolving credit balance: $4,978Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 16% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: orange-commitment-persimmon Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
too old to be in School of Nursing?
Purpose of loan:
This loan will be used to give myself one more chance, at age of close to 30, to get into a nurse school in helping people in healthcare in? New Orleans. I had debts from my undergraduate, my auto loans and rents, but i need more time to prepare for nurse school tests, so i plan to borrow money to reduce the burden to find a full-time work and support my parents and myself for the coming year.

My financial situation:
I am a good candidate for this loan because i am well-educated and dedicated to pay all my debts on time and i pay wholehearted respect to the people who understand my struggles. I will do all i can to reach my career goal at the age close to 30 and feedback to all who have helped through the paths.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $225.87
 
Auction yield range: 4.06% - 9.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
<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-1993 Debt/Income ratio: 12%
Credit score: 760-779 (Dec-2009) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 25Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $58,767 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 81%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: kind-active-peace Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting Rid of High Interest debt
Purpose of loan:
This loan will be used to?
Refinance credit card debt to a lower interest rate so I can pay off the debt quicker.?

My financial situation:
I am a good candidate for this loan because I already make monthly payments far above the minimum payments of under $200, I usually pay $300-$400.?I have steady income from employment and investments, and have $400-800 left over each month after paying bills (I routinely get extra pay from my job).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.34% Starting borrower rate/APR: 22.34% / 24.61% Starting monthly payment: $383.67
 
Auction yield range: 11.06% - 21.34% Estimated loss impact: 10.52%  
Lender servicing fee: 1.00% Estimated return: 10.82%  
<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-1999 Debt/Income ratio: 30%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $7,545 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 38%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: compassion-samaritan Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off other higher interest rate debt.? Through medical school I accumulated debt that is now at very high interest rates and now I would like to consolidate that debt.

My financial situation:
I am a good candidate for this loan because my credit history is great and I have never been late on or missed payments. I spent 4 years in medical school with no income and I am now just trying to reduce the interest rates on my debt to pay it off faster.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $265.71
 
Auction yield range: 6.06% - 11.00% Estimated loss impact: 5.18%  
Lender servicing fee: 1.00% Estimated return: 5.82%  
<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-2000 Debt/Income ratio: 37%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 12 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:7y 0m
Amount delinquent: $0 Revolving credit balance: $19,574 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: engineere 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: 20 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-659 (Apr-2008)
 
Principal balance: $1,499.77 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Consolidating Debt after Wedding
Purpose of loan:
This loan will be used to pay off the debt my wife and I have accumulated since our big wedding last October. We all know how expensive a wedding is!

My financial situation:
I am a good candidate for this loan because I currently have a loan from prosper.com for almost two years and have never been delinquent.? I have great credit, work full time,?attend school for electrical engineering, own a house,?my wife has a well paying job, and both of our cars are paid off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441800
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $289.46
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.38%  
<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: 1 First credit line: Jan-2005 Debt/Income ratio: 20%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 3 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 16Length of status:4y 6m
Amount delinquent: $4,413 Revolving credit balance: $5,834 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 93%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: euro-atizer 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
for my wedding
Purpose of loan:
This loan will be used to? wedding

My financial situation:
I am a good candidate for this loan because? i can make my monthly payment

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ lives with my mum
??Insurance: $ 120
??Car expenses: $ nocar payment
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $516.27
 
Auction yield range: 8.06% - 9.00% Estimated loss impact: 6.38%  
Lender servicing fee: 1.00% Estimated return: 2.62%  
<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: Sep-1993 Debt/Income ratio: 17%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $3,252 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 49%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: bid-piccolo 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
CC Payoff
Purpose of loan:
This loan will be used to? Get rid of credit card debt

My financial situation:
I am a good candidate for this loan because? My wife and I both have very stable employment and excellent credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $239.90
 
Auction yield range: 4.06% - 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: Sep-1983 Debt/Income ratio: 32%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 22 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:7y 11m
Amount delinquent: $0 Revolving credit balance: $49,233 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 90%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: annapickle Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
700-719 (Jul-2008)
 
Principal balance: $6,241.93 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Outdoor furniture to add seating
Purpose of loan:
This loan will be used for working capital. I own a fast casual restaurant?that has experienced a 20% increase in sales over last year. ?The restaurant is slower in the summer because we are in a college area.?The working capital will provide a cash bridge until school resumes in September.? The capital will also be used to purchase additional dining room seating to expand our capacity which is usually full during lunch and dinner hours.

My financial situation:
I am a good candidate for this loan because I have a consistent record of repaying my debts.? The business is also on a steady growth path at our location as well as around the US.?

Monthly net income: $ 7298

Monthly expenses: $
??Housing: $ 2195
??Insurance: $ 160
??Car expenses: $ 519
??Utilities: $ 300
??Phone, cable, internet: $ 360
??Food, entertainment: $ 800
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 2000
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% - 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-2000 Debt/Income ratio: 37%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 15 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $31,262 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: noble-market 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
For My Wedding
Purpose of loan:
This loan will be used to pay for my wedding this October 09, 2010.
My financial situation:
I am a good candidate for this loan because I am able to make monthly payments within time frame specified on the loan.
Monthly net income: $ 5,000.00

Monthly expenses: $
??Housing: $ 2000.00
??Insurance: $ 200.00
??Car expenses: $ 150.00
??Utilities: $ 600.00
??Phone, cable, internet: $300.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $100.00?
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.06% - 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: Jan-1999 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Not employed
Now delinquent: 0 Total credit lines: 19Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $2,558Stated income:Not employed
Public records last 12m / 10y: 1/ 2 Bankcard utilization: 21% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: interest-triangulation3 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying my bills
Purpose of loan:
This loan will be used to? make up for the lost of wages that I have had this last month due to surgery.

My financial situation:
I am a good candidate for this loan because? My prior employer said that they will hire me back once I am well enough to come back to work. My Doctor said?that I can start back to work in three more weeks.
My husband works for UPS and makes good money but I need this loan for?medical and?medicine?that are not covered thru his insurance. I have copayments that coming due now and I need a?loan of 1000.?will help cover these until I can get back to work.?
Monthly net income: $ 3600.

Monthly expenses: $
??Housing: $ 1200.
??Insurance: $?75
??Car expenses: $ 500
??Utilities: $ 130
??Phone, cable, internet: $?280
??Food, entertainment: $?400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $94.29
 
Auction yield range: 8.06% - 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: Oct-1975 Debt/Income ratio: 69%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Retired
Now delinquent: 0 Total credit lines: 14Length of status:11y 1m
Amount delinquent: $0 Revolving credit balance: $15,234Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 10 Bankcard utilization: 63% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: Highcourt1 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: 29 ( 100% ) 680-699 (Latest)
Principal borrowed: $8,000.00< mo. late: 0 ( 0% )  
700-719 (Dec-2009)
680-699 (Jul-2007)
 
Principal balance: $1,895.44 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
College tuition for my boy
Purpose of loan:
This loan will be used to?Advance the college tuition costs for the youngest of my five boys. Although my service in Vietnam entitles me to some financial educational aid for my dependents, I wish to independantly get him through this semester on my income and not rely on the family business.

My financial situation: Great. My monthly income is tax free and my day-to-living expenses (including rent) is paid through my wife's family business.
I am a good candidate for this loan because? I always pay my financial obligations and can easily afford to service this relatively small debt. My current Prosper loan will be paid off in July. Although I do not have family and friends affiliated with Prosper ( just have not asked) I really want to do this on my own as I have done before. Please note that I have increased the interest rat I am willing to pay to perhaps encourage more bids. My credit score dropped in the last 30 days only because of 2 or three inquirys and not because of any default or late payments on ANY of my obligations.

Monthly net income: $ 2,829 tax-free

Monthly expenses: $ 684.98
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $684.98
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $271.37
 
Auction yield range: 17.06% - 17.06% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.88%  
<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-2005 Debt/Income ratio: 23%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:0y 4m
Amount delinquent: $0 Revolving credit balance: $3,850 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: newest-money-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
Operation Consolidation
Purpose of loan:
This loan will be used to pay of credit card debt I accumulated back in college and to pay off the rest of my car loan. I want to sell it, take my tax refund for this year and buy a clunker with it (no more car note!).

My financial situation:
I am a good candidate for this loan because I have maintained a full time job for the past four years, I have proven history with paying off installment loans, all of my accounts are in good standing, I don't have a husband or children to affect the priority of my funds, and my income is more than enough to meet my needs and pay down a loan.????

Monthly net income: $ 1960

Monthly expenses: $ 1505
??Housing: $ 300
??Insurance: $ 100
??Car expenses: $250
??Utilities: $ 100
??Phone, cable, internet: $ 55
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 300 (church donation)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 10.50% Starting borrower rate/APR: 11.50% / 13.63% Starting monthly payment: $164.88
 
Auction yield range: 6.06% - 10.50% Estimated loss impact: 5.17%  
Lender servicing fee: 1.00% Estimated return: 5.33%  
<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-2003 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2009) Current / open credit lines: 7 / 5Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 17Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $5,459 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 22%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: coin-quest8 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
Holiday Debt
Purpose of loan:
Help get past all of the holiday spending and bills to come in. I've attempted to work with my crediters but they wont budge from my current terms.

My financial situation:
Always a reliable bill payer my whole life.?In?June of 2009?I worked with a V.A. lender who quoted my personal credit score at 780 and my wife at?813.?We did buget our finances this season however my crediters wouldn't reduce my interest rates or work with me at all. I have?$1,500 of reserve?funds to buget through the next few months as well a $4,500 stock portfolio to utilize if necessary. Before?reporting my taxes, I will?be selling some stocks and will have more funds available.?I need to consolidate?my outstanding credit card debit and make it easier to manage. I plan on paying off this loan as soon as possible, targeting 15 months or less.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $278.73
 
Auction yield range: 17.06% - 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: 5 First credit line: Nov-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 11 / 11Employment status:Self-employed
Now delinquent: 1 Total credit lines: 28Length of status:0y 5m
Amount delinquent: $518 Revolving credit balance: $42,809 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 64%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: loyalty-beeper 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 down loans with higher interest rates

My financial situation:
I am a good candidate for this loan because I have a rather steady flow of income and I have never defaulted on any loans. You will note that my credit score is in the "poor" category, however, this is not a result of any loan defaults. It is simply a disputed charge for a mere $40 that I have had with the local gym over the past few months. Otherwise, you can see that I am not delinquent on any outstanding loans.

Monthly net income: $ varies between $5K and $15K per month

Monthly expenses: approx. $6,500
??Housing: $3,500
??Insurance: $362
??Car expenses: $635
??Utilities: approx. $285
??Phone, cable, internet: $215
??Food, entertainment: approx. $400
??Clothing, household expenses $100/month
??Credit cards and other loans: $approx $1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 10.50% Starting borrower rate/APR: 11.50% / 13.63% Starting monthly payment: $494.64
 
Auction yield range: 8.06% - 10.50% Estimated loss impact: 8.22%  
Lender servicing fee: 1.00% Estimated return: 2.28%  
<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: May-1987 Debt/Income ratio: 29%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 23 / 22Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 47Length of status:6y 8m
Amount delinquent: $0 Revolving credit balance: $58,100 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 82%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bigoldboy5 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: 1 / 1 On-time: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $8,500.00< mo. late: 0 ( 0% )  
720-739 (Jun-2007)
 
Principal balance: $1,865.29 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Out of debt one step at a time
This is my second loan with prosper.? I'm slowly paying down debt.? Recognizing it is a slow process, missing no payments, and chipping away while not acquiring new debt.? This is helping me reach my goal.
Purpose of loan:
I'm trying to pay off higher interest credit card loans.? I've put the interest rate at a reasonable one--a higher rate means there is no benefit to consolidation, and that doesn't make financial sense.
My financial situation:
I'm well employed, with a good salary, and work additional self-employed shifts to get myself fully out of debt.? I've found myself in a lot of debt, with some high interest cards.? Paying these off with prosper money does two things--fixes a reasonable rate, AND sets a real time frame in which to pay them off.

Monthly net income: $?7500 (previously listed higher--didn't account?for?NET self-employment compensation)
Monthly expenses: $
??Housing: $ 2700 (including property taxes and insurance)
??Insurance: $ 100
??Car expenses: $?200 (gas)
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1800 (monthly minimum on credit cards)
??Other expenses: $ 1300 (student loans monthly)

free cash flow approximately $750 per month--it depends on the extra number of shifts I work each month.?

I'm starting with three higher interest rate credit cards, paying them off, and using the difference to pay down other cards, consolidating, and closing accounts.

I've been a lender on prosper for awhile now, and also have borrowed once.? The borrow account has a perfect record, and is due to be paid off in 5 months. I've been burned a few times as a lender and it's not a good feeling.? While there is never a 100% guarantee, hopefully my good credit status, and my experience on the lending side can give you some added confidence.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $155.53
 
Auction yield range: 3.06% - 6.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.00%  
<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: 9 First credit line: Oct-1990 Debt/Income ratio: 4%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:5y 5m
Amount delinquent: $0 Revolving credit balance: $3,716 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: flexible-basis3 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
Trailer Purchase
Purpose of loan:
This loan will be used to?purchase a trailer that will be put on property we own.? This will be our vacation site.

My financial situation:
I am a good candidate for this loan because?we have great credit and always pay our loans on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.70% Starting borrower rate/APR: 23.70% / 25.99% Starting monthly payment: $97.69
 
Auction yield range: 8.06% - 22.70% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.16%  
<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: 8 First credit line: Jan-1997 Debt/Income ratio: 26%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:15y 2m
Amount delinquent: $0 Revolving credit balance: $19,752 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 101%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: point-pizza Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Reduction Plan
Purpose of loan:
This loan will be used to? pay off current loan note which has a $172/month payment. This prosper loan payment should be $100/month or less so the extra $72 or so would be applied to a high interest rate credit card. Once that card is paid down I will attack the next highest rate card I have. I plan to continue this type of debt attack plan until my debt is paid off.

My financial situation:
I am a good candidate for this loan because? Placing myself in your shoes as the lender, there isn't much I can say that you haven't probably already heard.? I am a Chief Petty Officer in the United States Navy. I am married (17yrs now) with a teenager and a preteen. My family comes first.? When I was younger, 15yrs or so ago, I got into debt by applying for ever credit card offer that came in the mail. I learned my lesson about debt and now I know there is a light at the end of the tunnel. I've spent that last 10yrs being more fiscally responsible and this loan will help add life to a debt attack plan.? Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $297.16
 
Auction yield range: 17.06% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
<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: Jun-1997 Debt/Income ratio: 11%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 14Length of status:10y 7m
Amount delinquent: $6,521 Revolving credit balance: $2,442 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: scholarly-social0 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
a honest guy needs a fair shake!!!!
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 441848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,218.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 4.66% Starting borrower rate/APR: 5.66% / 6.00% Starting monthly payment: $67.13
 
Auction yield range: 3.06% - 4.66% Estimated loss impact: 1.49%  
Lender servicing fee: 1.00% Estimated return: 3.17%  
<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-2000 Debt/Income ratio: Not calculated
Credit score: 800-819 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Not employed
Now delinquent: 0 Total credit lines: 26Length of status:6y 1m
Amount delinquent: $0 Revolving credit balance: $200Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 2% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: fathersjoyministries 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
Enjoy This Listing
I guess I was asking for way?too much in my last listing.

Purpose of the loan:? I am trying to consolidate my car loan and one credit card into a lower interest rate.?

Financial situation:? My income is $0.00 and here is a list of my debts.

Wells Fargo Home Mortgage??????????????????????????????$43,621.81
Marine Federal Credit Union Automobile Loan????$ 2,206.80
Marine Federal Credit Union?Credit Card????????????$1,330.00
Prosper Loan (My husband's)????????????????????????????? $?? 870.31
Chase BP Credit Card?????????????????????????????????????????$??? 328.87
Best Buy Store Card????????????????????????????????????????????$??????? 0.00
RBC Line of Credit (My husband's)?????????????????????$??????? 0.00

Details of the loan: I would like to borrow $2,206.91 @ 6% to be paid over 36 months. ?The payments would be $67.14 a month.? 32.87101624
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.84% Starting monthly payment: $800.82
 
Auction yield range: 3.06% - 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: Aug-1995 Debt/Income ratio: 23%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $36,944 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: the-goal-reward 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 a local business
Purpose of loan:
My wife and I would like to invest in our locl community and purchase a local business. This would be a great business opportunity and would also keep 12 people employed.? This loan represents the remaining funds we need to close escrow on the business. We truly believe every community needs a safe and fun environment where kids can be kids. We intend to offer parties and specialty classes, plus unique entertainment from toddlers to teens.? There appears to be a shortage of facilities that offer events for families to take part in together. We intend to change that. Through a host of activities including family nights,? we want to bring families together to spend time together, talking and laughing.

My financial situation:
?My wife and I are a safe investment.? Banks are just not lending.? My wife and I both have AA credit, no delinquencies or late payments. We want to invest in our local community and at the same time provide a safe and fun environment for local children. We both have experience running our business. I am employed full time and will remain so, so making the loan payments will not be an issue. My wife currently operates her own business that will be merged with the purchase of the business we intend to buy and she will be running the day to day operations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441854
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $91.47
 
Auction yield range: 3.06% - 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-1988 Debt/Income ratio: 28%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:19y 5m
Amount delinquent: $0 Revolving credit balance: $27,819 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: coin-bridge Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Bills
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.06% - 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-1992 Debt/Income ratio: 28%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:23y 4m
Amount delinquent: $0 Revolving credit balance: $10,876 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: benefit-galleon 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 a high interest credit card
Purpose of loan:
This loan will be used to? pay off my discover card. At the interest rate I am paying I will never pay it off.

My financial situation:
I am a good candidate for this loan because I pay my bills every month and I desire and am determine to get out of debt. ?

Monthly net income: $3,500.00

Monthly expenses: $
??Housing: $ 555.00
??Insurance: $ na
??Car expenses: $ 390.00
??Utilities: $ na
??Phone, cable, internet: $ na
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $?440.00
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $157.61
 
Auction yield range: 4.06% - 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-1993 Debt/Income ratio: 17%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 22 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:18y 1m
Amount delinquent: $0 Revolving credit balance: $202,824 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 94%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 2    
Screen name: transaction-crusader 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
Payoff credit card
Purpose of loan:
This loan will be used to?payoff ?a credit card account

More then?16 Years of credit history - never late
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: May-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 0 Total credit lines: 3Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $649 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 49%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: revenue-buckeye6 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 a few 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 441862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,250.00 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: $133.38
 
Auction yield range: 11.06% - 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: Dec-1996 Debt/Income ratio: 27%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $17,897 Occupation: Administrative Assi...
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: 3    
Screen name: coin-carnation 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
About to be a new mom
Purpose of loan:
I am about to be a mom for the first time?and am hoping to?take a maternity leave so I can spend some time with my new baby. Unfortunately my company doesn't pay while I am on leave.? I will be using this loan to cover some of my expenses and medical bills?while I am on leave.

My financial situation:
I always make my payments on time and have been working hard to make sure that my credit stays in good standing. My leave from work will not affect my ability to pay back on the loan, as I will be using savings/etc. to make these payments.

Monthly net income: $ 2600 (not including spouse income)


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 5.10% Starting borrower rate/APR: 6.10% / 6.44% Starting monthly payment: $182.80
 
Auction yield range: 3.06% - 5.10% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 3.60%  
<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-1996 Debt/Income ratio: 8%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:9y 10m
Amount delinquent: $0 Revolving credit balance: $1,467 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: community-omatic2 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
Pay off Second Mortgage
Purpose of loan:
This loan will be used to pay off my second mortgage.

My financial situation:
I am a good candidate for this loan because?
#1? I live below my means in a modest home?
#2? I own 100% of?my vehicles
#3? I carry $0 balance on credit cards
#4? I've never been late on a payment
#5? My employment is very stable

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,234.00 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: $37.62
 
Auction yield range: 3.06% - 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: Aug-1999 Debt/Income ratio: 2%
Credit score: 800-819 (Dec-2009) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 22Length of status:9y 7m
Amount delinquent: $0 Revolving credit balance: $2,011 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Nasdaq Borrower's state: Illinois Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lender trying prosper (AA c.rate)
Purpose of loan:
To experience prosper as borrower and also to see how much impact this loan will have to my credit score.? I don't need the money so I'll reinvest it back into prosper.

My financial situation:
This loan doesn't represent much of a risk for you and it will return you more than any CD out there in the market.? As you could see, I don't have much debts other than my house (1300). I can cover this amount anytime with my bank savings and off course I'll be using the automatic payment feature.
I'm planning to pay this loan in less than 10 months.
Best wishes for the new year !!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.55% Starting borrower rate/APR: 22.55% / 24.82% Starting monthly payment: $577.13
 
Auction yield range: 8.06% - 21.55% Estimated loss impact: 6.71%  
Lender servicing fee: 1.00% Estimated return: 14.84%  
<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: Jun-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Dec-2009) Current / open credit lines: 9 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 33Length of status:11y 0m
Amount delinquent: $0 Revolving credit balance: $82,241 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: kind-efficient-credit 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
Certified Public Accountant
Purpose of loan:
This loan will be used to hire independent contractors during the tax season. I have over 1000 individual tax return clients and 200 business tax returns clients. My full-time accountants are currently completing a lucrative consulting engagement.I need to hire additional contractors to assist during the tax season while I await final payment for the consulting engagement. I am certain the cash flow will come since my business is a recession proof industry. My financial situation:
I am a good candidate for this loan because I have been a Certified Public Accountant (?CPA?) since 1997.? I worked at KPMG for two years prior to starting my first CPA practice with a partner.? My original partner bought me out 5 years later, and I am now running my own CPA practice as a sole practitioner. I am very conservative by nature and training. ?I also have outstanding receivables and a large cash reserve My financial situation:
I am a good candidate for this loan because I have been a Certified Public Accountant (?CPA?) since 1997.? I worked at KPMG for two years prior to starting my first CPA practice with a partner.? My original partner bought me out 5 years later, and I am now running my own CPA practice as a sole practitioner. I am very conservative by nature and training. ?I also have outstanding receivables and a large cash reserve
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $155.53
 
Auction yield range: 3.06% - 6.50% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.00%  
<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: Sep-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Self-employed
Now delinquent: 0 Total credit lines: 7Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $179 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 1%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: first-transaction-star 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
Business Expansion
Purpose of loan:
This loan will be used to expand my former freelance photography business into a full-time business, focusing on the growing market of Pet Photography in a market with very limited competition. My existing equipment was adequate for still-life and casual images but must be upgraded for the new market. Additional funding is to cover a carefully-prepared local Marketing campaign,

My financial situation:
I am a good candidate for this loan because I have done part-time photography for many years, and bring extensive Sales and Marketing experience to this new venture. Complete research of the market, competition and suppliers and has been completed. I am involved with multiple related non-profit organizations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,500.00 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: $592.61
 
Auction yield range: 3.06% - 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: Mar-1991 Debt/Income ratio: 32%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:2y 2m
Amount delinquent: $0 Revolving credit balance: $20,916 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 9%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bison38 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting rid of Resurgent
Purpose of loan:
This loan will be used to pay off my Credit OneFS line of credit that is currently being administered by Resurgent.? Resurgent recently took over the loan from Credit One.? They raised my interest rate and they are not pleasant to work with.? I am had two calls with them over the past two weeks that resulted from them not having my account information correct.? I received a negative voicemail at my home.? When I returned the call it turns out they had the wrong guy and there wasn't anything wrong.? Last week a received a negative letter.? When I called them they said they had a mistake in their system and I should not have received the letter.?? Sorry to vent on Resurgent, but I have no interest in doing business with them and hope that I can find someone else now.

My financial situation:
I am a good candidate for this loan because I have a solid work history and a solid earning history, as well as a solid history of paying my debts.? I have been at my current job since Nov. 2007 and with my two previous employers I spent 9 years with each.? My credit score is 895.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $99.64
 
Auction yield range: 4.06% - 11.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.86%  
<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-1998 Debt/Income ratio: 52%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 23Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $1,258 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 8%Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: REDEEMED4HIM 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: 0 / 1 On-time: 22 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
700-719 (Sep-2009)
700-719 (Jul-2009)
740-759 (Apr-2009)
720-739 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Helping Daughter buy Car
Purpose of loan:
This loan will be used to purchase a car for my daughter. I am a previous Prosper borrower and recently paid off my last loan a few months ago. I have been a lender on Prosper for over 2 years as well. This is a guaranteed safe investment and return on your money.

I am a current home owner and have very little unsecured debt.

My daughter is just starting out and I am hoping the great lenders of Prosper would like to help us out and make a little money while they are at it. I would rather pay interest to another member rather than any bank.

I truly appreciate your consideration.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $1,061.29
 
Auction yield range: 17.06% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
<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: Apr-1996 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jan-2010) Current / open credit lines: 16 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:4y 6m
Amount delinquent: $0 Revolving credit balance: $78,394 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: golden-contract6 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
FINISH UP MY WIFE'S SALON AND SPA
Purpose of loan:
This loan will be used to finance the final portion of the start up construction and product acquisition for the salon and spa that my wife is opening in Crofton, MD

My financial situation:
I am a good candidate for this loan because I have a solid credit history and?understand the importance of maintaining a solid?repayment history.? I?have the ability, stability and will to repay this loan as fast as possible.? The business is set to open in a good market per the research we put into it and the product to be offered is going to uniquely set up the spa for success.?

Monthly net income: $ 4,800

Monthly expenses: $
??Housing: $ 2400.00
??Insurance: $?128
??Car expenses: $0
??Utilities: $ 160
??Phone, cable, internet: $ 80
??Food, entertainment: $ 200
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 1200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.06% - 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-1982 Debt/Income ratio: 19%
Credit score: 720-739 (Dec-2009) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 18Length of status:0y 5m
Amount delinquent: $2,088 Revolving credit balance: $6,090 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$100,000+
Delinquencies in last 7y: 6 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: well-mannered-point0 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 Be Gone!
Purpose of loan:
This loan will be used to pay off several credit cards companies that are exhausting my bank account with crazy interest rates!

My financial situation:
I am a good candidate for this loan because I am trust-worthy, have a good job and I can't stand being taken advantage of by credit card companies.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,800.00 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: $336.44
 
Auction yield range: 11.06% - 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: Feb-1985 Debt/Income ratio: 37%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 46Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $30,089 Occupation: Professional
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: interest-giraffe584 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 760-779 (Latest)
Principal borrowed: $18,000.00< mo. late: 0 ( 0% )  
740-759 (Nov-2009)
760-779 (Sep-2008)
 
Principal balance: $11,891.28 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Consolidating credit card debt
Purpose of loan:
I will use this loan to consolidate credit card debt accumulated from hospital bills this past year. We will be able to lower our monthly payment significantly by consolidating this debt and make our life much easier to manage.

My financial situation:
I am a great candidate for this loan because of my long and excellent payment history with my creditors as well as earning a good income within an industry I have been in since 1991. Thanks for your consideration and to the Prosper community.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441906
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $378.81
 
Auction yield range: 3.06% - 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: 9 First credit line: Mar-1994 Debt/Income ratio: 12%
Credit score: 820-839 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 29Length of status:7y 5m
Amount delinquent: $0 Revolving credit balance: $2,556 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bkegger 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 a new car
Purpose of loan:
This loan will be used to purchase an inexpensive, economical family automobile that will replace my aging vehicles. I have been running my diesel vehicles on vegetable oil, and it's simply not the most economical use of my time or effort with two young children. My wife also wants me to drive a safe vehicle that will not cost too much in maintenance. My wife also says that if I sell both of my diesel vehicles that she will allow me to keep my Fiat X 1/9.

My financial situation:
I am a good candidate for this loan because I have always paid all of my loans off on time and I have been a lender on prosper for two years, so I know it's no fun losing the loans. I am in a good, safe position at work: public school teacher with excellent job security and good benefits.? I am only in need of a loan now because of the timing of the need for a new vehicle, as we just paid cash for a major kitchen and bath renovation. We do not keep a balance on our credit cards, and our house costs about $1000 a month in mortgage and taxes. My other four cars are paid off, and I plan on selling two of them, but older diesels don't sell too well in the winter in the upper Midwest.

Monthly take home:
about $3500 (my wife has a part-time job at church, and her pay varies a little)

Monthly expenses:
$1000 mortgage and taxes
$500 utilities/cable
$500 groceries/diapers
$200 student loans

Thanks for your bid and please let me know if you have any questions
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: May-1983 Debt/Income ratio: 45%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 9 / 6Employment status:Retired
Now delinquent: 0 Total credit lines: 16Length of status:4y 5m
Amount delinquent: $0 Revolving credit balance: $898Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 59% 
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: lean-pound9 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
pay credit cards and med expenses
Purpose of loan:
This loan will be used to?
consolidate debt and pay unexpected medical expenses
My financial situation:
I am a good candidate for this loan because?

Monthly net income: $ 1586

Monthly expenses: $ My husband pays all?other 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 441910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 33.24% Starting borrower rate/APR: 34.24% / 37.98% Starting monthly payment: $49.29
 
Auction yield range: 17.06% - 33.24% Estimated loss impact: 19.96%  
Lender servicing fee: 1.00% Estimated return: 13.28%  
<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: 5 First credit line: Jul-1992 Debt/Income ratio: 28%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 7Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 33Length of status:11y 0m
Amount delinquent: $12,941 Revolving credit balance: $12,924 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: graceful-hope3 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my one credit card
Purpose of loan:
This loan will be used to? I am going to use this loan to payoff one credit card and hoping to get a better interest rate then the one the credit card company has for me right now.

My financial situation:
I am a good candidate for this loan because? I'm not trying to run away from my obligations, I'm trying to meet it head on.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 1500.
??Insurance: $ 300.
??Car expenses: $ 431
??Utilities: $ 152
??Phone, cable, internet: $ 137.
??Food, entertainment: $ 140
??Clothing, household expenses $ 70.
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 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: Feb-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 16 / 9Employment status:Self-employed
Now delinquent: 0 Total credit lines: 30Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $30,188 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Gotham-Investments 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 / 2 On-time: 34 ( 83% ) 640-659 (Latest)
Principal borrowed: $30,000.00< mo. late: 6 ( 15% )  
680-699 (Oct-2009)
660-679 (Jun-2008)
700-719 (Feb-2007)
680-699 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 1 ( 2% )
Total payments billed: 41  
Description
Re-Structuring CC Debt
Hi, I am requesting this third loan to consolidate the last of my debt to a structured payment schedule.? My previous 2 Prosper loans were paid off in full.

HR seems to be harsh rating level.? My Experian Plus Score is 770/830 and myFICO score is 720/850; both considered to be low risk credit levels.? My VantagePlus score (which is the closest example of what is used by Prosper) is 699/990 and this is this low because I don't have an extensive credit history, my one delinquent pmt and my debt/limit utilization rate.? Apparently when you close a credit line it's history is not factored into your score at all -only open/active accounts.? So my current credit score thinks my oldest credit line is only 3 years old when in fact it's really close to 20 years.? Note that the one previous delinquent payment was to the last pmt I made for one of my Prosper accounts.? I was attempting to paydown both loans and didn't realize that my monthly payments were being pulled from an old bank account.? I had to close the checking account and open a new checking account because that is the only way to remove an authorized signer.? Regardless the loans were paid down immediately after that incident.? Also, I believe my "debt utilization" is approx 50%; that is misleading; Amex doesn't report the credit limit and if they did my debt utilization would be less than 25%.? I also closed out of number of credit lines with the funds from the first 2 loans.

Net monthly income ("take home") is currently $7,000 and less monthly expenses (rent, utilities,?misc exp,?etc...) of $5,000 results in a net balance of approx $2,000.? The $5,000 in expenses includes the amount currently paid to the one outstanding credit card.? With this Prosper loan my net will not materially change.

Please feel free to contact me if you have any questions!

Thank you in advance to those who help fund my loan request!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $163.69
 
Auction yield range: 4.06% - 10.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
<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: 8 First credit line: Apr-2005 Debt/Income ratio: 25%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 16 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $2,178 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: asset-oak Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
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 441920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $293.25
 
Auction yield range: 17.06% - 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: 2 First credit line: Apr-1999 Debt/Income ratio: 37%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 19 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $6,215 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: community-pinnacle Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Debt for New Marriage
Purpose of loan:
This loan will be used to consolidate the individual credit card debt of my fiance and me in light of our upcoming wedding.? We both have debt that we've been trying to pay off, but the interest rates have just kept rising.? We are paying for most of the wedding ourselves, so we're trying to be as fiscally responsible as possible!The picture attached is us at the closing of our new home.? Right now, we?each have?separate credit cards, loans,?and car payments.? We are trying to consolidate as much of our ?debt as possible to simplify our life together.? Additionally, we are each paying high interest rates, all of which have been increased during the current recession.

My financial situation:
I am a good candidate for this loan because?I have consistently paid all of my financial obligations.? I?have loans from?law school?and college that I?have paid?every month without fail since graduation, and have paid every credit card as due.? There have been some rare exceptions where a bill has been lost or a card has charged a finance fee without me knowing that I have missed.? My finace and I have completely stoppped using credit cards based on our goal of being completely financially independent.? We are looking forward to having all unsecured paid before we begin having children.? We are both upwardly mobile, and expect our financial situation to only improve.? We live within our means and are hoping to start building a savings account to secure for the future.? When we were both in college, however, we made some poor decisions, but would like to know finish paying for those mistakes and begin our new life.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441930
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,250.00 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% / 38.30% Starting monthly payment: $56.55
 
Auction yield range: 14.06% - 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: 7 First credit line: Dec-1990 Debt/Income ratio: 29%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 15 / 11Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 39Length of status:21y 6m
Amount delinquent: $11,833 Revolving credit balance: $5,776 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 91%Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Homeownership: No  
Inquiries last 6m: 0    
Screen name: DanRocker 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: 36 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,350.00< mo. late: 0 ( 0% )  
540-559 (Mar-2008)
600-619 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
New Loan
Purpose of loan:
To pay off more credit cards.

My financial situation:
It's getting much better.
Monthly net income: $ 2500

Monthly expenses: $ 1650
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.01% Starting borrower rate/APR: 11.01% / 13.13% Starting monthly payment: $245.58
 
Auction yield range: 4.06% - 10.01% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.88%  
<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-1990 Debt/Income ratio: 44%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 48Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $13,519 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 24%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: clean-duty0 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
Purpose of this loan...???I want to pay of 2 credit cards. And so my wife can start buying plants for the yard. She likes to have?a nice yard.

My financial situation? Is great, all?I need is a little help with some credit card debt. I am a truck driver and my wife also?gets a disability check every month. thank you. I don't know?how??to upload pictures or I would, I'm not a computer savvy?I just know the basics.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Aug-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2010) Current / open credit lines: 3 / 2Employment status:Self-employed
Now delinquent: 0 Total credit lines: 5Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: nsmanners Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need Cash -Last 7 Months Of Shcool
Purpose of loan:
I will be using this loan for living expenses and tuition payments for the last 7 months of college.?

My financial situation:
I am a good candidate for this loan because I have no debt of any kind.? I own my car.? I have been self employeed with steady income for over a year (working on a 1099).? I have good credit and have no housing expenses.
Monthly net income: $

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,400.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.90% Starting borrower rate/APR: 11.90% / 14.03% Starting monthly payment: $79.60
 
Auction yield range: 4.06% - 10.90% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.77%  
<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: 9 First credit line: Sep-1982 Debt/Income ratio: 52%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 15 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:6y 10m
Amount delinquent: $0 Revolving credit balance: $11,932 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: top-finance-arboretum Borrower's state: Kansas 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
Consolidate bills
Purpose of loan:
This loan will be used to? To consolidate for less bills.? I have?some small?debts or loans that I will be able to pay off that will make it easier every month and reduce the number of bills I pay.? I have a couple small credit cards and a couple medical bills I pay monthly and can put four small debts into 1.? Also the rates on a couple of my small cards are horrible considering my credit score is so strong.

My financial situation:
I am a good candidate for this loan because...??as you can see from my credit portfolio I always pay my debts on time.? I?have very stable job history, as I have been with the same company?for almost seven years and my credit history is outstanding as you can see. Prospers system does not include the income of my fiance who lives in the same household.? I manage the finance department for the?Harley Davidson dealership that?I work at and help people get loans myself and I understand I never want to be late on any credit because of how negative the impact can be on the future.? I will never be late and would like to be a prosper lender in the future.? I am asking for a small loan amount and will be able to payoff in 6 months or less.?

Monthly income
$5400 average plus fiance makes $2500
$1409 house payment
$508 is my car payment
she has car payment of $ 295
Various other debts from small?credit cards and medical bills?but all are paid every month on time.? I am trying to reduce the number of these and that is why I am taking out this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.50% Starting borrower rate/APR: 6.50% / 8.56% Starting monthly payment: $306.49
 
Auction yield range: 4.06% - 5.50% Estimated loss impact: 2.10%  
Lender servicing fee: 1.00% Estimated return: 3.40%  
<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: Jul-1999 Debt/Income ratio: 18%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 18 / 17Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 45Length of status:1y 7m
Amount delinquent: $0 Revolving credit balance: $107,746 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: ideal-exchange387 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 debt & pay for school
Purpose of loan:
This loan will be used to consolidate my debt that I ran into since graduating from college.? I also am in the process of getting my Masters degree and need money for each semester to pay for tuition and books so that I don't go even further into debt.?

My financial situation:
I am a good candidate for this loan because I am a trustworthy hardworking individual that is struggling to make payments on these high interest credit cards while paying my tuition bills as well.? I greatly apreciate the help of your investment in my future.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $249.48
 
Auction yield range: 11.06% - 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: Sep-1995 Debt/Income ratio: 13%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 10Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $9,833 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 63%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: sharp-currency 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
Paying off credit cards
Purpose of loan:
This loan will be used to pay off two credit card accounts that?are no longer open.

My financial situation:
I am a good candidate for this loan because I have a stable income, and I will not be increasing my overall debt as a result of this loan.? I have been promoted three times over the last five years with my current employer.? My annual salary is $69,500 plus a bonus that?averages between?$6,000 - $8,000.? In addition, I?have an outside business activity that generates $3,000?by providing bookkeeping services to a small business.??I have been aggressively?paying down my debt over the last, and I specifically want to consolidate?two accounts for which I am seeking this loan.? Neither account?has available credit (i.e. closed); therefore, I expect it has had a?negative impact on my overall credit?score.? It is my hope that the consolidation?of debt into an open installment loan will help improve?my credit score as I continue to pay?down the open balance.? (Additional background.? My credit score took a significant hit in 2003 when I was called to active duty in the US Marine Corps Reserve and deployed to Iraq.? As a result, I lost my business and then incurred debt?in 2004 when starting over.)

Monthly net income: $3,200

Monthly expenses: $
??Housing: $1,290
??Insurance: $100
??Car expenses: $40?
??Utilities: $75?
??Phone, cable, internet: $250?
??Food, entertainment: $300
??Clothing, household expenses $0?
??Credit cards and other loans: $700?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: 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: $381.32
 
Auction yield range: 11.06% - 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: 6 First credit line: Jul-1992 Debt/Income ratio: 34%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 20 / 19Employment status:Retired
Now delinquent: 0 Total credit lines: 42Length of status:30y 1m
Amount delinquent: $0 Revolving credit balance: $8,149Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 40% 
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: wauktown62 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: 0 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
720-739 (Oct-2009)
700-719 (Aug-2009)
720-739 (Jul-2009)
740-759 (May-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 7  
Description
Consolidating of debt
Purpose of loan:
This loan will be used to?To consoidate current debt?into one payment?

My financial situation:
I am a good candidate for this loan because?
Iam a good canidate for this loan because I do value my credit rating and as a single parent my credit worthiness?is the biggest asset I have

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 100????
??Utilities: $ 160
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.06% - 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: Aug-1982 Debt/Income ratio: 22%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:10y 7m
Amount delinquent: $0 Revolving credit balance: $18,574 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: equitable-worth3 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 a credit card
Purpose of loan:
This loan will be used to pay off a high interest credit card. I have other cards but have reduced interest on the one with the highest balance, and can pay off the others that are fairly low balances in?a few months,?but have one with about a $5000 balance that will take longer and?has not agreed to reduce the interest. I?don't want to pay the high interest on the remaining card for an extended period, so?I am looking to get a loan to pay it off with a reasonable interest rate.

My financial situation:
I am a good candidate for this loan because?I have a?good income and pay my bills.?I?could pay down my debt easily if it wasn't for the outrageous interest rates. My income was about half what it is now when I got in debt by just paying everyday bills with credit, while attending MBA school. But the interest rates went up when I started approaching the limits and missed a payment while traveling, so now it is hard to pay it down despite my greatly improved income.

Monthly net income: $ 5833

Monthly expenses: $
??Housing: $ 795
??Insurance: $ less than 100????
??Car expenses: $?gas and maintenance, $150
? Utilities: $ 90
??Phone, cable, internet: $ no cable, phone and internet around $100
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.02% Starting borrower rate/APR: 30.02% / 32.40% Starting monthly payment: $148.62
 
Auction yield range: 11.06% - 29.02% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.29%  
<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: Feb-2001 Debt/Income ratio: 51%
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 11m
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 441956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $286.40
 
Auction yield range: 4.06% - 12.00% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 9.86%  
<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-1990 Debt/Income ratio: 25%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 24 / 19Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 48Length of status:12y 5m
Amount delinquent: $0 Revolving credit balance: $61,634 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jazzycasey 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 / 1 On-time: 19 ( 95% ) 700-719 (Latest)
Principal borrowed: $7,000.00< mo. late: 1 ( 5% )  
700-719 (Apr-2008)
 
Principal balance: $3,500.92 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying off my credit cards.
Purpose of loan:
This loan will be used to pay off my credit card with a high interest rate.

My financial situation:
I am a good candidate for this loan because I am extremely responsible about paying all my bills on time.? I have never been default on a loan or credit card.? My?lower credit rating is due to the amount of?revolving debt I have.? I have accumulated credit card debt over the years due to assisting my parents during a family tragedy and helping my husband with his construction business.? My credit cards keep raising my interest rates making it harder to pay off my debt.? We are currently raising our 15 month old daughter and our goal is to reduce our credit card debt as much as we can before we start saving for her college education.

Monthly net income: $ 7,700 (after taxes and including husband's contribution)

Monthly expenses: $?
??Housing: $ 767
??Insurance: $?260 (home and?vehicles)
??Car expenses: $?1,000 (husband and my car payments plus gas)
??Utilities: $ 200
??Phone, cable, internet: $ 175
??Food, entertainment: $?800
??Clothing, household expenses $?225
??Credit cards and other loans: $ 1900
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $106.71
 
Auction yield range: 3.06% - 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: Jan-1987 Debt/Income ratio: 3%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 7 Total credit lines: 59Length of status:11y 4m
Amount delinquent: $0 Revolving credit balance: $6,661 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 21%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: bold-thoughtful-truth 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 off my credit cards
Purpose of loan:
This loan will be used to is to consolidate my Juniper and Merrick credit card balances to a single payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $795.20
 
Auction yield range: 17.06% - 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: Apr-1993 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jan-2010) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $18,747 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 29%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: melodious-economy0 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
Pay off credit cards, medical bills
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 9.34% Starting monthly payment: $254.40
 
Auction yield range: 3.06% - 8.00% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.50%  
<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: 9 First credit line: Jul-1989 Debt/Income ratio: 2%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:11y 2m
Amount delinquent: $0 Revolving credit balance: $100,896 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 11%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: worth-bridge 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
Avoiding Tax issuesin April
Purpose of loan:
We took out a HELOC last year (100K of the revolving credit balance) to remodel our house. The other portion (100K) of the remodel, I paid cash by selling assets to make it happen, however, that raised my tax bill that will be due in April. I held back cash to handle this, however, I did not hold back enough.

My Current loan balances: Primary Home Loan 200K - 15 years (9 left) at 4.875 HELOC 100K at prime minus 1.01% , which is currently at 2.24%

My income is high enough that I plan to have this loan paid off within 1 year. I will have over 2K per month available to apply to this loan starting in May.
I have looked into rolling all loans into a refinance with a cash out to help me get through my current tax bill and the overall loan as my home value would support that. However, the costs (closing costs and fees) of that don't make sense considering the the great rate I have on the HELOC would go away and the entire loan would be rolled into one amount.

My other option is to float the loan on credit cards, however the rate on that is going to be higher than this loan, with the possiblity that they might raise it at any point.

This will be my first Prosper loan, so I am new to the process.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $318.08
 
Auction yield range: 17.06% - 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: Mar-1995 Debt/Income ratio: 13%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 4 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 18Length of status:20y 5m
Amount delinquent: $3,520 Revolving credit balance: $14,515 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 53%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: fund-system 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
NURSING PROGRAM
Purpose of loan:
This loan will be used to finish the nursing program my wife is enrolled in and we are getting close, she will finish in November 2010

My financial situation:
I am a good candidate for this loan because once she finishes we will be able to pay off this loan quickly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $73.87
 
Auction yield range: 11.06% - 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: 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 2m
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
UNION FEE
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 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 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.
??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 441982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $154.84
 
Auction yield range: 8.06% - 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-1998 Debt/Income ratio: 40%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 14 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 38Length of status:0y 3m
Amount delinquent: $0 Revolving credit balance: $42,859 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: adaptable-income2 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
Help to Pay Off Debts
I was laid off during the summer of last year--and I need some additional funds to pay off some debts accumulated over the time of me not working. I accepted a new job in the fall, but, I'm still on a training salary until commissions kick in during March. Just need some funds to stay current until my "training salary" is raised to my standard commissions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $138.66
 
Auction yield range: 8.06% - 14.00% Estimated loss impact: 8.31%  
Lender servicing fee: 1.00% Estimated return: 5.69%  
<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: 8 First credit line: Jun-2004 Debt/Income ratio: 11%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:1y 10m
Amount delinquent: $0 Revolving credit balance: $1,794 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: 0    
Screen name: the-diligent-truth Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying The Ring
Get Engaged With My Beautiful Girlfriend:
This loan will be used to buy my girlfriend the ring she deserves.

My financial situation:
I am an advertising professional currently working in the Chicago area. I am very good with finances and would have hoped to save up for this ring on my own; however, because of the current economic conditions my company has been in a salary freeze for over a year now. Because of this I was not able to but enough aside to buy the ring I would like to. I manage my finances diligently by creating budgets and sticking to them. (I use mint.com and I suggest you check it out yourself.) I have plenty left over at the end of the month to make this loan payment. I am expecting to get a significant raise (over 20%) in the next few months. I have been promoted at my company but was not given a raise because of the salary freeze. Now that the freeze is ending I will be getting the raise. I truly appreciate you consideration and look forward to paying you back in full each month. Matt
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441988
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.42% Starting borrower rate/APR: 29.42% / 31.79% Starting monthly payment: $168.54
 
Auction yield range: 11.06% - 28.42% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.71%  
<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-2001 Debt/Income ratio: 39%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $18,528 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 92%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: marketplace-zenith0 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 off debts
Purpose of loan:
This loan will be used to consolodate loans so im paying around the same amount now just to one lender instead of multiple

My financial situation:
I am a good candidate for this loan because even though i have a low credit score this is just to consolodate some bills in order to make easier payments i have two jobs and make good money????

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $ 661?
??Insurance: $ 75
??Car expenses: $ 175
??Utilities: $ 250
??Phone, cable, internet: $ 75
??Food, entertainment: $ 50
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Apr-1986 Debt/Income ratio: 24%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 17Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $954 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bonus-mechanic0 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to get to zero
Purpose of loan:
This loan will be used to get us out from several ill-advised pay day loans ($7500), buy new brakes and tires for our only car ($1200), polish off about $2000 in medical expenses, get caught up on bills ($750), pay back a friend ($1200), and settle a line of credit ($1000).

My financial situation:
I am a good candidate for this loan because I'm consistent with making payments and always try to pay a little extra, even if it's just five bucks. I've also got a lot of freelance work coming up from February through the beginning of summer so I hope to use it and my tax return to pay the loan off a lot sooner than later.

Monthly net income: $4430

Monthly expenses: $
??Housing: $1090
??Insurance: $200
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $160
??Food, entertainment: $1000
??Clothing, household expenses $200
??Credit cards and other loans: $350
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441996
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.06% - 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: Jun-1989 Debt/Income ratio: 30%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 15 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:6y 5m
Amount delinquent: $0 Revolving credit balance: $5,203 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 71%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: pcball Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
660-679 (Apr-2008)
 
Principal balance: $2,505.45 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Pay off loanssave money to buy home
Purpose of loan:
This loan will be used pay off loans for myself and to save money for down payment for purchase of home in the next year.(Pay esisting prosper loan)

My financial situation:
I am a good candidate for this loan because?I am a school teacher with a guaranteed job.

Monthly net income: $ 3667.00

Monthly expenses$
??Housing: $ 550
??Insurance: $ 140
??Car expenses: $349
??Utilities: $ 90
??Phone, cable49, internet: $30
??Food, entertainment: $?300
??Clothing, household expenses $
??Credit cards and other loans: $?1200
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $743.27
 
Auction yield range: 17.06% - 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: 5 First credit line: Dec-2002 Debt/Income ratio: 73%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 21 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $31,346 Occupation: Professional
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: 0    
Screen name: benefit-bumblebee 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
Consolidate two car payments
Purpose of loan: This loan will be used to? consolidate two car payments.We have three car loans.One car is a show car and is not driven every day.It will be approximately $18,000 to pay off the car loans on the show car and my everyday car.These two payments total $1100.00 each month.The third car payment is $450.We estimate that by consolidating two of the car payments we can save about $400 per month and have the cars paid off in the same time frame.The remaining funds will be used to put a timing belt in my car and a new clutch in my husband?s every day car (the third car).

My financial situation: I am a good candidate for this loan because??? We are currently able to pay all of our bills.? By doing this, we are able to save (estimate) $400 or better per month.
Additionally, we have NEVER missed or been late on any payment.?

Monthly net income: $ 5,200.00
This includes my husband?s income. We also receive $1,400.00 per month in rental income.I also work a part time job in retail where I make between $300-$600 additional per month.

Monthly expenses: $
??Housing: $?1200.00
??Insurance: $ 211
??Car expenses: $ current $1550 - after $1150
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, Cell phone, gas: $300
??Credit cards and other loans: $ 250 (we have a several?credit cards that were recently paid off but haven?t been updated on our credit report yet and the balance of them will be paid off with our income taxes this year.)
??Student loans: $ 120

Other facts to consider:? My debt to income ratio is misleading as it is based on my income alone.? Please see above for actual income including my husband and other sources.?
My credit shows a large amount of open accounts.? This is because i have somewhere in the neighborhood of 11-14 various student loans which each appear individually even though they are with the same companies and various small amounts.? I have not consolidated these because I was advised that I would not get as good of an interest rate if i consolidated them.?? My parents pay the majority of the student loans which show as open accounts and do not effect my income or monthly expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 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: $353.43
 
Auction yield range: 11.06% - 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: 7 First credit line: Nov-1989 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 43Length of status:7y 1m
Amount delinquent: $0 Revolving credit balance: $10,319 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 69%Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: jayman0369 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Finally getting rid of old debt....
Purpose of loan:
This loan will be used to consolidate and finally pay off older debt.? I have multiple credit card balances that I'd like to finally get rid off all at once. Nine years ago I went through a divorce (it actually was very amicable) and wanted to do EVERYTHING I could to make sure my son was not disrupted because of financial setback, so at the time, I went into additional debt accordingly to keep things going (ex:? keeping him in the original house at the time with his mom while I additionally paid rent for myself, child support, medical expenses, etc. ? I am now happily remarried (in 2005), and have new household expenses, but really want to clean the slate in a consolidated, easier monthly payment for current credit card debt.

My financial situation:
I am a good candidate for this loan because I am fortunate to have a career in the "Transportation Engineering" industry which is benefitting from the economic stimulus funding of the countries roadways and overall transportation infrastructure.? I have been CONSTANTLY employed since 1991 as a "civil engineer" in this industry with only 3 months of unemployment (back in 1996) and that was only because the company I was with at the time was having financial problems and went out of business.? Currently, I have a stable position with my current employer who I have been with for almost 8 years.? My mortgage payment is always current, I contribute to my 401k plan, and actively contribute to a college 529 fund for my son.

Monthly net income: $4150.00

Monthly expenses: $
??Housing: $1443.00
??Insurance: $85
??Car expenses: $500
??Utilities: $225
??Phone, cable, internet: $140
??Food, entertainment: $325
??Clothing, household expenses $
??Credit cards and other loans: $700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $188.38
 
Auction yield range: 14.06% - 20.00% Estimated loss impact: 14.89%  
Lender servicing fee: 1.00% Estimated return: 5.11%  
<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: 6 First credit line: Jul-2008 Debt/Income ratio: 46%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 3Length of status:2y 7m
Amount delinquent: $0 Revolving credit balance: $114 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 5%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: heavenly-payout Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying for a semester of college
Purpose of loan:
This loan will be used to? pay for a semester of college that i have no other to pay for.

My financial situation:
I am a good candidate for this loan because? I don't take asking for money lightly and for that reason I don't do it if I don't have to.? I just don't have the money in time for the semester to start.

Monthly net income: $ 500 ????

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 80
??Utilities: $ 0
??Phone, cable, internet: $30
??Food, entertainment: $ 100
??Clothing, household expenses $0
??Credit cards and other loans: $ 45
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $94.56
 
Auction yield range: 4.06% - 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: Dec-1987 Debt/Income ratio: 47%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 14 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:25y 3m
Amount delinquent: $0 Revolving credit balance: $10,487 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 55%Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: soulful-velocity1 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from 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 high interest rate loans that went up over the past two month to 25apr.? It would beniefit myself to pay them off and get rid of all of these high interest rate cards to get out of dept faster.
My financial situation:
I am a good candidate for this loan because?
I have a good credit report and have not been late on any payments for the past 3 years and I will be able to repay the loan in a short period of time. I am very trust worthy and do not like to be late on any payments and usually pay them early if capable of doing so.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1992 Debt/Income ratio: 12%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 4 / 2Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 27Length of status:1y 11m
Amount delinquent: $223 Revolving credit balance: $17,688 Occupation: Sales - Commission
Public records last 12m / 10y: 1/ 1 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: red-pound-kin 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 bills
Purpose of loan:
This loan will be used to? catch up with bills

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

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 442022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1991 Debt/Income ratio: 13%
Credit score: 680-699 (Dec-2009) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 39Length of status:9y 4m
Amount delinquent: $6,699 Revolving credit balance: $0 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 27 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: mikeges Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from 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?? debt consolidation. I am paying off my second mortgage and i am trying to use this money so i can pay the amount of $3000.00 and to use the money i save to pay my other expenses.

My financial situation:
I am a good candidate for this loan because?? I have a good paying job and can afford to make payments on this loan.

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 652
??Insurance: $ 88
??Car expenses: $ 75.00
??Utilities: $?180.00
??Phone, cable, internet: $ 131.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 120.00
??Credit cards and other loans: $?701.00??Other expenses: $ 205 condo fee
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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-1994 Debt/Income ratio: 31%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 7 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:10y 11m
Amount delinquent: $0 Revolving credit balance: $910 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 47%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: workinggirl1 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 / 1 On-time: 24 ( 96% ) 660-679 (Latest)
Principal borrowed: $12,300.00< mo. late: 1 ( 4% )  
660-679 (Oct-2007)
 
Principal balance: $4,421.08 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Recently married-Consolidation
Purpose of loan:
I am newly married, and my husband and I want to do some much needed home repairs, as well as pay off some bills. Though I do not pay rent, I am expected to maintain all home repairs.? I put off some repairs in 2009 that I would like to get done this year.? My husband has a small loan and a credit card he would like to pay off.

My financial situation:
I am a good candidate for this because?I do not?have a car payment, ?mortgage or rent payment.?? I have a very secure job at which I intend to stay.?I have a current Prosper loan that will pay off in November 2010.? I have NEVER been late or missed a payment on this loan, even though I took a temporary?pay-cut in 2009 to help the company I work for.? It was a voluntary pay-cut, and I have already?been raised back to my previous salary of $750 gross per week.
I am including only my income information, since the loan is in my name.
Monthly net income: $ 3000

Monthly expenses: $?

Housing: $ 0?
Insurance: $350?
Car expenses: $ 330???
Utilities: $ 220??
Phone, cable, internet: $ 130???
Food, entertainment: $ 300??
Clothing, household expenses $ 200??
Credit cards and other loans: $?650??(includes current Prosper payment)
Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.34% Starting borrower rate/APR: 32.34% / 34.75% Starting monthly payment: $1,093.58
 
Auction yield range: 11.06% - 31.34% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.55%  
<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: 6 First credit line: Oct-1987 Debt/Income ratio: 50%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 23 / 22Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 48Length of status:19y 5m
Amount delinquent: $0 Revolving credit balance: $96,181 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 65%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: unrivaled-duty5 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
Down Payment on Rental Property
Purpose of loan:
This loan will be used to?
As the down payment on a Multi-family dwelling, this property will be purchased at 20-25% below market value. the property has 2 - 2BD/2BA and 1- 3BD/2BA apts. This property is close to a university, so it is always full. I will be putting my personal money to making some very minor upgrades to this complex
My financial situation:
I am a good candidate for this loan because?my commitment to completion of any project I am involved in. I plan on paying this loan early each month to build a?strong reputation with the loan holder. So that I will have an opportunity additional funding onfuture projects.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $220.65
 
Auction yield range: 4.06% - 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: Apr-1994 Debt/Income ratio: 15%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:20y 0m
Amount delinquent: $0 Revolving credit balance: $138,093 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 83%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: cognizant-power6 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit card
Purpose of loan:
This loan will be used to? to help pay off a part of a credit card and finish paying off a student loan.? Since we are down to one income, we are struggling to pay off credit and a mortgage.?
My financial situation:
I am a good candidate for this loan because? we have always been on time paying our monthly bills.? This will take away a higher interest rate payment and make the monthly payment easier to manage.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.40% Starting borrower rate/APR: 28.40% / 30.75% Starting monthly payment: $207.90
 
Auction yield range: 11.06% - 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: 7 First credit line: Sep-1997 Debt/Income ratio: 34%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 31Length of status:7y 2m
Amount delinquent: $0 Revolving credit balance: $8,334 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 66%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: coin-pole 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
Pay off Credit Debt
Purpose of loan:
This loan will be used to? pay off my credit card debt.? My interest rates are way too high and I would really like to be on my way to financial freedom.

My financial situation:
I am a good candidate for this loan because? I am able to pay my bills on time.? I have a stable job working for the federal government.? I am not late on any of my bills, and I work hard to pay down balances.? I would like to be able to see a difference in my debt balance at the end of?each month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.72% Starting monthly payment: $47.28
 
Auction yield range: 4.06% - 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: Jul-1986 Debt/Income ratio: 18%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 23 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 67Length of status:15y 0m
Amount delinquent: $0 Revolving credit balance: $79,978 Occupation: Executive
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: hispagirl Borrower's state: Florida 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: 28 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
720-739 (May-2008)
780-799 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Help my son with his tuition
Purpose of loan:
Right now, with the situation everyone is in, I need that little extra help one again. My son is on his 3rd year of school and I'd like to pay for his tuition this semester, but don't have the funds to do so. In March I'm getting some extra money which I can then repay my debt in full.

My financial situation:
I am a good candidate because as you can all see from Prosper record, my loan to prosper was paid and ahead of time. My credit is not that great, although I've never been late on any of my debts. I simply needed more card help this year due to current circumstances.? I thank everyone ahead of time for your consideration. Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442042
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 8.06% Starting borrower rate/APR: 9.06% / 11.15% Starting monthly payment: $238.71
 
Auction yield range: 8.06% - 8.06% Estimated loss impact: 8.66%  
Lender servicing fee: 1.00% Estimated return: -0.60%  
<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-1996 Debt/Income ratio: 33%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 19 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:2y 0m
Amount delinquent: $0 Revolving credit balance: $50,254 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 21%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 7    
Screen name: penny-entrepreneur 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
Married cpl - consolidating remodel
Purpose of loan:
This loan will be used to consolidate a recent remodel/home improvement of our primary home. We are a married couple with 3 children living in a beautiful 5 bedroom, 3 bath home!

Our financial situation is excellent. I'm (husband) a computer programmer working for a large corporation and my wife works as an in-house tax CPA for a large entertainment firm in Beverly Hills

We're a good candidate for this loan because our income is secure and our credit is excellent. We're simply looking for a "smarter" loan with regard to %rate while letting a fellow peer make the $$ vs the big banking firms. :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Mar-1997 Debt/Income ratio: 23%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 3 / 2Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:10y 10m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Homeownership: No  
Inquiries last 6m: 3    
Screen name: electron822 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 Medical bills
Purpose of loan:
This loan will be use to pay and consolidate all the insurance deductable bills?during 2009.??


During the new insurance enrollment at work we were given only one option that had a high deductable and unfortunately last year I got sick and had to use my insurance and that is why I?m asking for this loan. Also, I would like to state that during 2008 I had file bankruptcy, due to a separation. This bankruptcy has been discharged from court with no outstanding balances. I have been good paying for my mortgage and never been late, as you can see in my credit report history. I have been good with my payments and alwalys on time. All I need to add into this petition is that, If you give me the opportunity I wont let you down.??

?My financial situation:

Monthly net income: $ 2673.58

Monthly expenses: $ 1577
??Housing: $ 400
??Insurance: $ 250
??Car expenses: $ 767.36
??Utilities: $ N/A
??Phone, cable, internet: $ 40.00
??Food, entertainment: $?60
??Clothing, household expenses $ 40
??Credit cards and other loans: $ N/A
??Other expenses: $ N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442046
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 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: Nov-1997 Debt/Income ratio: 26%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 1 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:5y 3m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 0%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: orange-blazing-repayment 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
travel to europe due to sick father
Purpose of loan:
This loan will be mainly used for possible travel to germany where my father is dealing with health problems

My financial situation:As a tennis professional my pay in tips is greater than my annual income.
I am a good candidate for this loan because of my debt ratio analysis and the positive amount of cash flow.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442048
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% - 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: Feb-1997 Debt/Income ratio: 24%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 6 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 4    
Screen name: top-transparency-gala 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 high interest loan
Purpose of loan:
This loan will be used to pay off a very high interest loan.? I had to obtain this loan due to a family health issue.? My mom has M.S. and I had to move her in with me to take care of her and in turn had to find a larger place for both of us to live.? I am doing well at Aramark.? A great place to work and I am very stable as far as employment.? I just need help to pay this very high interest loan off and then in turn pay off the Prosper.com loan within the term stated.? At that point I will be debt free.? I do not have any credit cards or other debt besides the usual rent, car, etc.? Thank you for your consideration.? ?

Monthly net income: $ 3160.00

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 466
??Utilities: $ 100
??Phone, cable, internet: $ 35
??Food, entertainment: $?350
??Clothing, household expenses $ 50
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 32.00% Starting borrower rate/APR: 33.00% / 35.42% Starting monthly payment: $330.83
 
Auction yield range: 14.06% - 32.00% Estimated loss impact: 15.47%  
Lender servicing fee: 1.00% Estimated return: 16.53%  
<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-2006 Debt/Income ratio: 20%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 9Length of status:4y 3m
Amount delinquent: $0 Revolving credit balance: $9,821 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: benefit-infusion 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
credit cards
Purpose of loan:
This loan will be used to?
pay off credit cards
My financial situation:
I am a good candidate for this loan because?
i have never missed a payment and have purchased many things
Monthly net income: $
4500
Monthly expenses: $
??Housing: $ 320
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $?250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442066
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.06% Starting borrower rate/APR: 12.06% / 14.19% Starting monthly payment: $398.92
 
Auction yield range: 11.06% - 11.06% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.83%  
<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: Sep-1985 Debt/Income ratio: 35%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 30Length of status:8y 11m
Amount delinquent: $0 Revolving credit balance: $117,623 Occupation: Realtor
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: subtle-order6 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
general home repairs
Purpose of loan:
This loan will be used to? update a?rental apartment and some other expenses related to my primary home.?Being a realtor by trade, this loan will be a cash flow support as my paychecks come at different times.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,850.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $119.43
 
Auction yield range: 11.06% - 28.00% Estimated loss impact: 10.70%  
Lender servicing fee: 1.00% Estimated return: 17.30%  
<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 9m
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: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Last Try - Guaranteed Return (Ring)
Hi All - this is my third attempt at listing a loan here, the second listing got as far as 85% funded but didn't make the cut. It was during the holiday season, so I'm hoping all the Prosper Investors are back from holiday and ready to invest!
To start - I want all investors to know that I am very serious about my credit score, I've never had a late or 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 75 days. The thing is, I'm about $3000 short of my dream ring which is on sale at the jewelry store for $7000. For one reason or another I can't get financing from any bank or the jewelry store, even though I can money down and I have a credit score of 665.

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 as well as 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: $3715
I ran out of characters for this posting? so if you message me, I can breakdown my monthly debts for all to see.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.07% Starting borrower rate/APR: 15.07% / 17.24% Starting monthly payment: $69.40
 
Auction yield range: 6.06% - 14.07% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.83%  
<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: Apr-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jan-2010) Current / open credit lines: 10 / 8Employment status:Self-employed
Now delinquent: 1 Total credit lines: 34Length of status:8y 10m
Amount delinquent: $510 Revolving credit balance: $217,465 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: loyalty-smasher9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my credit

My financial situation:
I am a good candidate for this loan because?I am hard worker!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $205.21
 
Auction yield range: 6.06% - 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: May-1971 Debt/Income ratio: 12%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 18Length of status:3y 0m
Amount delinquent: $0 Revolving credit balance: $42,268 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 72%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: investmentapult 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
Pay cards used to start my business
Purpose of loan:
This loan will be used to pay off two high interest credit cards I used to fund my company during the tough times while we got started. These cards are not maxed out but have high interest rates and I won't be able to pay off the balance on my own for at least six months. I'd prefer to pay them off now with a fixed loan so I don't accrue additional interest charges. I am very motivated to pay these cards off since I do not want to carry debt. Initially, I did get a roommate to help pay down the cards on my own but she turned out not be good at paying her rent and after owing me $2000 I had to ask her to leave. I would take on a second job, however, I already work 55-70 hours a week at my own small software company.

My financial situation:
I am a good candidate for this loan because I have had a consistent salary of slightly over $100k for the past two years. I have owned a townhouse for the past 2 years and am a month ahead on my mortgage payment. I am very organized and do not pay my bills late. My small company is starting its third year and we are very stable and doing well.
Information in the Description is not verified.