Listing Report:Supplement No. 146 dated Jan 15, 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 423192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1983 Debt/Income ratio: 48%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 13 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:13y 2m
Amount delinquent: $0 Revolving credit balance: $1,807 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 45%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: branon Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 76% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 4 ( 24% )  
680-699 (Jul-2008)
 
Principal balance: $3,060.81 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Home Improvements
Purpose of loan:
This loan will be used to do some home improvements; our back deck door needs to be replaced and so do our two garage doors
My financial situation:
I am a good candidate for this loan because?
I have a good income but just not enough cash available
Monthly net income: $
6200
Monthly expenses: $
??Housing: $?? 700
??Insurance: $ 200
??Car expenses: $0
??Utilities: $ 100
??Phone, cable, internet: $60
??Food, entertainment: $ 250
??Clothing, household expenses $100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 16Length of status:8y 3m
Amount delinquent: $0 Revolving credit balance: $9,727 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 79%Stated income:$100,000+
Delinquencies in last 7y: 5 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: fabarg1 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: 21 ( 95% ) 640-659 (Latest)
Principal borrowed: $10,000.00< mo. late: 1 ( 5% )  
640-659 (Nov-2009)
680-699 (Jan-2008)
 
Principal balance: $1,535.68 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Retiring credit card debt
Purpose of loan:
This loan will be used to consolidate debt that I have accumulated due to divorce from my wife of eight years.

My financial situation:
I am a good candidate for this loan because I have proven that I will make my payments ontime with prosper and have only had two late payments on my credit report in the last four years, both coming when my wife and I first separated and I had to close the joint checking accout but forgot to alert my creditors and the payments were drafted from the wrong account.? My soon to be ex wife still stays in the family home and drives one of my cars but she will be resposible for the home or moving out once this is final next month.? Please help me and I promise to always make all my payments ontime as I have in the past.?? I am trying to do right by my children and need your help to get me through this.? Thank you.

Monthly net income: $ 9330????

Monthly expenses: $ 8725
??Housing: $?2950 a month( 1450 for my apartment and 1550 for the house my soon to be ex stays in?whom is?unemployed)
??Insurance: $?1000
??Car expenses: $ 1700( 1000 for my vehicle and 700 for the car my soon to be ex drives for the sake of my children until this is final next month)
??Utilities: $?100
??Phone, cable, internet: $?75?
??Food, entertainment: $ 500
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000 ( attorney fees)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 440890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 11.93% Starting monthly payment: $31.52
 
Auction yield range: 4.06% - 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: Jul-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2009) Current / open credit lines: 4 / 4Employment status:Not employed
Now delinquent: 0 Total credit lines: 4Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $3,159Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: euro-raccoon Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
pay off bills

My financial situation:
I am a good candidate for this loan because i will pay my loan every month on time.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.06% Starting borrower rate/APR: 18.06% / 20.52% Starting monthly payment: $54.27
 
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-1983 Debt/Income ratio: 48%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:8y 9m
Amount delinquent: $0 Revolving credit balance: $14,112 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Homeownership: Yes  
Inquiries last 6m: 5    
Screen name: dime-rose Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used for small home improvement project for kitchen and bath, also I would like to take?some continuing credit college courses?

My financial situation:
I am a good candidate for this loan because? I am trustworthy and will pay?back the loan as?according to term of?loan agreement.?

Monthly net income: $ 2416

Monthly expenses: $
??Housing: $ 931
??Insurance: $ 133????
??Car expenses: $ 352????
??Utilities: $ 100
??Phone, cable, internet: $ 24.99
??Food, entertainment: $ 50
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 10000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
 
Auction yield range: 17.06% - 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: Oct-1991 Debt/Income ratio: 21%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 20Length of status:22y 0m
Amount delinquent: $0 Revolving credit balance: $18,285 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 107%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: JAVAJOE Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 22 ( 96% ) 660-679 (Latest)
Principal borrowed: $6,000.00< mo. late: 1 ( 4% )  
600-619 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Engagement Ring
Hello, I'm 43 and am planning on marrying my girlfriend of 12 years. It is time. We have waited till our children have grown because blending families is difficult on the children and the marriage. I have already obtained a loan thru prosper a few years back with great success and paid it off with no problems. I need the loan to buy an engagement ring for her. I do have?some debt, which when?I get close to being debt free, something comes up like one of my daughters car has problems, etc. but that is life and stuff happens. My bills always get paid regardless. Always have and always will. I'm a great risk for a loan even though my credit says I'm debt heavy. Last year at work was one of our best years we have had and my brother owns the company so there is no chance of getting laid off at all. I have been with him 22 years and have never had a day off ever from rain or even being slow which we never are. We are a General Contractor doing alot of private commercial, industrial?and medical projects and also handle city accounts. I can provide any documentation to back up any claim I have made.? I really need to finally marry this woman of my dreams and start our life together as a married couple. Our children are finally grown and she owns her own house so together with our incomes times will be better for the both of us. She has been working for the Courts for 25 years so she is well established also. Please contact me with any questions. Thank-you for considering this loan for me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $161.34
 
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: Jun-1998 Debt/Income ratio: 66%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 28Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $31,017 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: kim12547 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 / 2 On-time: 57 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
680-699 (Feb-2008)
640-659 (Dec-2006)
640-659 (Dec-2006)
 
Principal balance: $2,345.50 1+ mo. late: 0 ( 0% )
Total payments billed: 57  
Description
Debt Consolidation : Rebuilding
I am looking for funds to payoff my credit card debt. I have been divorced for 5-1/2 years, and have had to take on a large financial burden from my ex husband. He left me with very large credit card bills and a house that he refused to take any responibility in. I have sold the house; but still have remaining debt. I currently pay over $550.00 each month on my credit card bills, in hopes of paying them down quicker.? However, with credit card rate changes, the extra dollars I put on my credit card bills do not make as big of an impact as I would like. When my loan is granted, I will use this money to now pay my?Prosper?loan?.With this Prosper loan, I can cut down my debt significantly in 3 years. Putting my past behind me, and moving on to better oppurtunity & success.

I make $1400.00 a month after taxes; plus I receive $468 a month for a house that I sold on contract. The house payment is always on time and I have never had any issues with them paying late. My boyfriend pays all of our living expenses. I use my income to pay credit cards and my car payment.


CURRENT BILLS:
Credit Cards (Minimum): $400.00; I pay $550.00 or more
Car: $347.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442616
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,350.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $428.11
 
Auction yield range: 17.06% - 27.00% Estimated loss impact: 26.57%  
Lender servicing fee: 1.00% Estimated return: 0.43%  
<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: 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, lower my monthly expenses, and better my debt to income ratio.

My financial situation:
This would be 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 credit record so that I can move forward with a cleaner slate.?

Prosper has helped me once and I hope can help me again..? I have told many of my friends how Prosper helped me once and about the ability to become borrowers/lenders 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 442618
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1999 Debt/Income ratio: 32%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 5 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:10y 4m
Amount delinquent: $0 Revolving credit balance: $436 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 25%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: raider1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
720-739 (Dec-2009)
640-659 (Jun-2008)
640-659 (May-2008)
640-659 (Apr-2008)
 
Principal balance: $2,417.22 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
home improvement
Purpose of loan:
(explain what you will be using this loan for)
home improvement
My financial situation:
(explain why you are a good candidate for paying back this loan)
PAY BILLS ON TIME.???Have one loan with prosper and pay before the due date.?
Monthly net income: $ 1681.76

Monthly expenses: $
??Housing: $ 590.00?RENT
??Insurance: $ 328.00 PER 6 MONTHS AUTO
??Car expenses: $ 25.00 GAS PER MONTH
??Utilities: $ 25.00 TO 30.00?AVERAGE PER MONTH ELECTRIC ONLY
??Phone, cable, internet: $ 151.16
??Food, entertainment: $ 150.00 PER MONTH
??Clothing, household expenses $
??Credit cards and other loans: $?110.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442622
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 36.95% Starting monthly payment: $89.91
 
Auction yield range: 11.06% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Aug-1994 Debt/Income ratio: 11%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 12Length of status:2y 3m
Amount delinquent: $497 Revolving credit balance: $2,017 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 8%Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Homeownership: No  
Inquiries last 6m: 3    
Screen name: sdagent Borrower's state: California 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
Pay Off All Debt For Good
Purpose of loan: This loan will be used to consolidate my current debt. I intend to fully payback this loan well before the 36 month term. (One Year)
About Me:I am 25 years old; I have a 3 year old son. I have been with my current employer for 2 years and work full-time 40+ hours a week. I work in the private security industry. I get paid twice monthly. I have lived at my current residence for the past 12 years. I have been working on improving my credit for quite some time already. I went from being at a 408 score a year ago to what it is now.
Monthly Net Income: Net Check: $943.94Net Check: $960.37
Total Income Month of December:? $ 1904.31

Monthly expenses:
Housing:$350
Insurance:$30
Car expenses:$150
Phone, cable, internet:$50
Food: $200
Clothing, household expenses:$225
Credit cards and other loans:$200
Other expenses:$350 (childcare)
Total Monthly Expenses:$1555
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $258.44
 
Auction yield range: 14.06% - 24.00% Estimated loss impact: 15.08%  
Lender servicing fee: 1.00% Estimated return: 8.92%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their 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-1978 Debt/Income ratio: 8%
Credit score: 660-679 (Dec-2009) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:13y 3m
Amount delinquent: $10 Revolving credit balance: $70,138 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 96%Stated income:$100,000+
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: zorba44 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: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,500.00< mo. late: 0 ( 0% )  
680-699 (Apr-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Kitchen upgrade
Purpose of loan:
This loan will be used to? Kitchen upgrade????

My financial situation:
I am a good candidate for this loan because? I previously had a loan that was paid off and I always pay my bills

Monthly net income: $ 8250

Monthly expenses: $ 4150
??Housing: $ 1020
??Insurance: $ 400
??Car expenses: $ 0
??Utilities: $ 120
??Phone, cable, internet: $ 110
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1500
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442628
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $222.98
 
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: 44%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 17 / 16Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:11y 10m
Amount delinquent: $0 Revolving credit balance: $16,215 Occupation: Analyst
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: 4    
Screen name: the-durability-handshake 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:
This loan will be used to pay off and consolidate my payments for current high interest credit cards.

My financial situation:
I am a good candidate for this loan because I have been employed at the same public agency for almost 12 years.? I have never declared bankruptcy or had any debts written off due to nonpayment.

Monthly net income: $ 2769.00

Monthly expenses: $2033.00
??Housing: $500
??Insurance: $100
??Car expenses: $483
??Utilities: $150
??Phone, cable, internet: $100
??Food, entertainment: $150
??Clothing, household expenses $150
??Credit cards and other loans: $400
??Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442636
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1999 Debt/Income ratio: 24%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:1y 0m
Amount delinquent: $0 Revolving credit balance: $3,158 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 92%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: trade-amusement 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
Upgrade life; downgrade debt
Purpose of loan:
This loan will be used to pay off a credit card with the highest interest rate.? Unfortunately, I'm one of the millions whose cardholder agreements just went from a reasonable rate to ::yikes:: 32 percent!?

My financial situation:
I am a good candidate for this loan because I am in the process of upgrading my life.? I moved cross country to live with my fiance (thus saving $800 per month in rent and approximately $500 per month in utilities).? In the process, I found a new job and more than doubled my income!? Now that everything else in my life is upgraded, it's time to hit my debt hard!?

Monthly net income: $ 2700

Monthly expenses: $ 1700
??Housing: $ 0
??Insurance: $ 120
??Car expenses: $ 280
??Utilities: $ 0
??Phone, cable, internet: $?100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $273.42
 
Auction yield range: 6.06% - 13.00% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.78%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their 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: 38%
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 442646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.06% Starting borrower rate/APR: 12.06% / 14.19% Starting monthly payment: $166.21
 
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: Sep-2005 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 6Length of status:4y 0m
Amount delinquent: $0 Revolving credit balance: $3,907 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 43%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: collegeadvocate Borrower's state: Minnesota Borrower's group: Credit Card Consolidation
Credit and homeownership information was obtained 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 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
680-699 (Oct-2008)
680-699 (Dec-2007)
680-699 (Sep-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Consolidating CCards
Purpose of loan:
This loan will be used to combine my credit cards into a low interest rate loan, so I may pay them off with less finance charges.

My financial situation:
I am a good candidate for this loan because I have not missed any payments, and I usually pay more than the minimum amount on all debt. I have plenty of money left over at the end of the month so I manage my finances well, I just want to no longer be gouged by the credit card companies, and at the same time give the average person a share of the wealth.

Monthly net income: $
1708

Monthly expenses: $
??Housing:?450
??Insurance:?130?
??Car expenses:?100
??Utilities:?85
??Phone, cable, internet:?140?
??Food, entertainment:?200
??Clothing, household expenses?80
??Credit cards and other loans:?300
??Other expenses: 100

Leftover (Income - expenses)
1585

Please note that I pay more than the minimum payments on my current debt which is why the credit card bill is so high. If I paid just the minimum on the loan, which will replace the credit card debt at a lower rate, that number will be half of the expense listed for the credit cards. Pretty amazing how much a lower interest rate makes right?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.01% Starting borrower rate/APR: 11.01% / 13.13% Starting monthly payment: $360.18
 
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: 9 First credit line: May-1987 Debt/Income ratio: 28%
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
Purpose of loan:
I'm paying 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.? 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
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 442654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $126.08
 
Auction yield range: 4.06% - 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: 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 used my credit cards to cover expenses that I had to bear for traveling, lodging for a new job.
My financial situation:
I am a good candidate for this loan because I have a bright future in medicine, my husband has a very stable job, he deals with all the expenses like rent, food, clothing etc. I got into debt because I have applied for residency and for interviews I had to travel all over United States and bear the expense of airline tickets, hotels etc..I am starting a new job in July 2009 with a pay range 45,000- 60,000, i just donot want to pay APR of 26 % on one of my credit card. Thank You for your help.
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Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.49% Starting monthly payment: $141.85
 
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-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jan-2010) Current / open credit lines: 22 / 22Employment status:Self-employed
Now delinquent: 0 Total credit lines: 43Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $21,135 Occupation: Attorney
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: 0    
Screen name: newest-healthy-pound Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest CC
Purpose of loan:
This loan will be used to? I have a credit card balance that I accumulated while studying for the bar exam. It was at 0% and just recently spiked to a high rate that I would like to get paid off as soon as possible.

My financial situation:
I am a good candidate for this loan because? I just recently passed the bar exam and have begun practicing law in the last few months. I am in a great situation where I earn a steady income ($1,000/week) and have the potential to make substantial bonuses through performance. I intend to pay off this loan within a year. Thank you and please help me get this balance off of this high interest credit card!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442666
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $235.86
 
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: Apr-1993 Debt/Income ratio: 33%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 26 / 24Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 71Length of status:18y 7m
Amount delinquent: $0 Revolving credit balance: $78,140 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 74%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: deal-serrano 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
putting in windows/patio door

Purpose of loan: This loan will be used to??install new windows and patio doors in my home. I am doing this to make my home more energy efficient. The anticipated savings in my gas utility bill is $2400-$3000 annually.

My financial situation:
I am a good candidate for this loan because? of?my job stability. I have been a federal employee since 1991 and, before that, worked in private industry after graduating from college. I have maintained a good credit rating my entire adult life showing my ability to repay the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442672
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.87% Starting borrower rate/APR: 8.87% / 9.21% Starting monthly payment: $158.70
 
Auction yield range: 3.06% - 7.87% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.37%  
<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: 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 442676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.40% Starting borrower rate/APR: 8.40% / 10.58% Starting monthly payment: $50.43
 
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: Jun-1996 Debt/Income ratio: 40%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 12Length of status:8y 10m
Amount delinquent: $0 Revolving credit balance: $17,262 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 73%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: panamajk 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: 28 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,001.00< mo. late: 0 ( 0% )  
680-699 (Sep-2007)
 
Principal balance: $617.12 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Car Fix for Massage Therapy
Purpose of loan:
(explain what you will be using this loan for) My VW Beetle Clutch broke.?? I use this to drive for appointments around town, and need it repaired!? I kept the other template for reference since i am almost done paying for that lone (August this year)...only have about 600 left on it.? Although this is my second car, I dont use the other one only to go very long distances or to haul stuff from Home depot or Lorwes.???

The other Template was :? I am using this loan to furnish my massage therapy clinic

My financial situation: I have just enough income to?pay rent for a location for my business; ?etc, just need a little backing for essentials.? I have a little retirement from the Army $9,000 a year, then the past 6 years a part-time (which I intend to keep from 9am to 2pm that gives me an exra $17,000 a year).? I am figuring that with my massage therapy (which I recently am certified as), I can earn more. Just need a little push.
(explain why you are a good candidate for paying back this loan)

Monthly net income: $ 1,700

Monthly expenses: $ 1,130.00
??Housing: $ 0 (family)
??Insurance: $ 118.00
??Car expenses: $ 250.00 (one car paid off and other car payment actually paying more towards debt amortization)
??Utilities: $ 0
??Phone, cable, internet: $ 120.00 (att-cell/ and dishnetwork)
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 400.00 (paying more than just minimum)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442678
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $371.64
 
Auction yield range: 8.06% - 19.00% Estimated loss impact: 8.94%  
Lender servicing fee: 1.00% Estimated return: 10.06%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 4 First credit line: Nov-1989 Debt/Income ratio: 17%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 38Length of status:17y 7m
Amount delinquent: $435 Revolving credit balance: $15,315 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 37%Stated income:$50,000-$74,999
Delinquencies in last 7y: 32 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: investment-party Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards which have been used recently to purchase a new floor for my Fiance' and to help pay for her daughter's wedding expenses.

My financial situation:
I am a good candidate for this loan because?I have learned from past mistakes and DO NOT pay late on bills. I pay much more then the minimum payments to try and pay them off early. I am also a Lender with Prosper and currently have $425 loaned out to other Prosper members and add an addiional $25 a week to my account.
All my debt payments are Current and have been for the past 5 years. I have also had my home now for 10 years and have never been late making that payment. The delinquent payment showing up in listing must be an error in credit report. Also my current debt balance is $10,736.00 the other $5000.00 must be some of my Dad's credit showing up in my report. I am a Jr. and my dad and I have always had a problem with our credit getting mixed together by reporting agencies.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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: Apr-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Self-employed
Now delinquent: 2 Total credit lines: 11Length of status:11y 9m
Amount delinquent: $339 Revolving credit balance: $212,245 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: best-gallant-commerce 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
Please help
Purpose of loan:
This loan will be used to help pay off?my bills because i have 6 kids.

My financial situation:
I am a good candidate for this loan because i make enough money to pay it off

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 2500
??Insurance: $ 150
??Car expenses: $
??Utilities: $ 500
??Phone, cable, internet: $ 100
??Food, entertainment: $ 2000
??Clothing, household expenses $
??Credit cards and other loans: $?3000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442686
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
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: Nov-1997 Debt/Income ratio: 71%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 29 / 28Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 42Length of status:3y 4m
Amount delinquent: $0 Revolving credit balance: $9,220 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: babylovebug23 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,100.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
660-679 (Apr-2008)
640-659 (Mar-2008)
640-659 (Feb-2008)
 
Principal balance: $1,691.87 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 of 10 credit cards

My financial situation:
I am a good candidate for this loan because I have made my monthly payment on time with the loan I have with prosper. I also make sure that I pay my bill on time. I have been on my job for almost 3 years.

Monthly net income: $ 1400

Monthly expenses: $ 300????
??Housing: $
??Insurance: $ 150
??Car expenses: $ 360,71
??Utilities: $
??Phone, cable, internet: $ 243.37
??Food, entertainment: $
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 973.33
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2008 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 1 / 1Employment status:Part-time employee
Now delinquent: 0 Total credit lines: 5Length of status:0y 7m
Amount delinquent: $0 Revolving credit balance: $0 Occupation: Waiter/Waitress
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: 2    
Screen name: repayment-panda 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 for college
Purpose of loan:
This loan will be used to help me pay fo school.

My financial situation:
I am a good candidate for this loan because i really value mu education and i want to go far in life.

Monthly net income: $
2,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 320
??Car expenses: $ 500
??Utilities: $?
??Phone, cable, internet: $ 132
??Food, entertainment: $?100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442696
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 31.67% Starting borrower rate/APR: 32.67% / 35.09% Starting monthly payment: $263.56
 
Auction yield range: 14.06% - 31.67% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.21%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Jan-1959 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2010) Current / open credit lines: 41 / 39Employment status:Self-employed
Now delinquent: 0 Total credit lines: 73Length of status:31y 4m
Amount delinquent: $0 Revolving credit balance: $86,205 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 50%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: Annwill Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Replace broken heating/cooling unit
Purpose of loan:
This loan will be used to?replace the heating and cooling unit and repair non working lights and electrical plugs.?

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

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 850
??Insurance: $
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442698
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3 First credit line: Dec-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jan-2010) Current / open credit lines: 2 / 1Employment status:Self-employed
Now delinquent: 0 Total credit lines: 6Length of status:18y 0m
Amount delinquent: $0 Revolving credit balance: $15,873 Occupation: Other
Public records last 12m / 10y: 0/ 4 Bankcard utilization: 99%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: impressive-loyalty 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
Need some new lenses
I'm a lifelong photographer whose been in business since 1992. I've been a Canon man my whole life and recently converted to digital and bought a top of the line Nikon D3 which I absolutely love. This loan is to help buy some lenses that compliment the D3 and great glass isn't cheap. I make pretty good money and could wait to save up but I'd rather get the lenses now.
The only debt I have is a USAA credit card. They have treated me great but I should have had my limit raised before I got close to the max and now it doesn't look to good on my credit report.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442700
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10 First credit line: Sep-1977 Debt/Income ratio: 10%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 5 / 4Employment status:Retired
Now delinquent: 0 Total credit lines: 21Length of status:7y 0m
Amount delinquent: $0 Revolving credit balance: $6,860Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 20% 
Delinquencies in last 7y: 50 Homeownership: No  
Inquiries last 6m: 0    
Screen name: mystical-duty8 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
combo home & travel
Purpose of loan:
This loan will be used to?
Pay of the small balance of my 04 chevy Avalanche. Take a cruise to the US Virgin Islands with about 50 friends most of which are retired law enforcement and haul out boat for bottom paint.
My financial situation:
I am a good candidate for this loan because?
I worked for the dept of corrections for 18 years when I was injured. I am now medically retired and have a PERS retirement in the amount of 3,124.00 a month.?I can substantiate this fact with a letter from PERS which reflects?my raise. After I was injured I did have a?struggle while my retirement was being processed which?reduced my pay from 5819.00?a month to $340.00 every two weeks. I have survived through this rough time and now?I am able to live a comfortable life.?I can afford a payment now and I want to strenghten my credit score.?
Monthly net income: $
3124.00
Monthly expenses: $
??Housing: $ 575.00
??Insurance: $ 132.00?
??Car expenses: $ na
??Utilities: $?60.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $164.16
 
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: 14%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 3 / 1Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 4Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $2,552 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 67%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: glowing-finance4 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
Life
Purpose of loan:
This loan will be used to? Pay off my credit card and help me with a deposit towards moving into an apartment.

My financial situation: I work full time and get paid on a weekly basis.
I am a good candidate for this loan because? I have never had a late payment in my entire credit history and will not be a problem candidate.

Monthly net income: $ 1500

Monthly expenses: $1390
??Housing: $ 200
??Insurance: $ 200
??Car expenses: $ 90
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $146.62
 
Auction yield range: 11.06% - 18.00% Estimated loss impact: 10.42%  
Lender servicing fee: 1.00% Estimated return: 7.58%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 6 First credit line: Aug-1997 Debt/Income ratio: 12%
Credit score: 720-739 (Jan-2010) Current / open credit lines: 10 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 16Length of status:6y 3m
Amount delinquent: $0 Revolving credit balance: $4,127 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 98%Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Homeownership: No  
Inquiries last 6m: 0    
Screen name: nena31 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 34 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
700-719 (Dec-2009)
640-659 (Feb-2007)
 
Principal balance: $230.79 1+ mo. late: 0 ( 0% )
Total payments billed: 34  
Description
Consolidating Credit Card Debt
Re-list

Hello everyone,

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

I opened a prosper account in 2007 and have been making my payments on time since. Since 2007 my credit score has improved approximately 60 points taking me into the 700's and I would like to continue to work at improving my rating. Please note my current prosper account will be fully paid off in two months. This loan will help me consolidate two of my high interest credit cards into one monthly payment. I intend to take the full 3 years to pay this loan off, so this will provide you with a steady stream of income and full interest for the term of the loan. I would be taking this money and immediately using it to consolidate my cards. I have a VERY low debt to income ratio.

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


Thank your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $188.38
 
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: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Self-employed
Now delinquent: 0 Total credit lines: 17Length of status:0y 1m
Amount delinquent: $0 Revolving credit balance: $1,756 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$50,000-$74,999
Delinquencies in last 7y: 99 Homeownership: No  
Inquiries last 6m: 1    
Screen name: impressive-p2p 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
Advance to Management
This loan will be used for a Graduate Degree in Management. I am a business professional with MBA for ten years.

Financial situation:
I spent the last seven years clearing up my credit report. I paid back credit cards, closed false reported?accounts?and paid off our vehicles. My student loan is a sum of six accounts; a high number of delinquencies developed quickly during earlier times. I reached an agreement with the student loan and all my payments are on time since. All other bills are always paid on time. We established a budget and live by it. I now have a credit score of 681 = good.

Monthly net income: $ 3,250

Monthly Expenses: $2,540
Housing: $800
Insurance: $140
Car Expenses: $50
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $700
Clothing, household expenses: $100
Credit Card and other loans: $300
Other Expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 23.99% Starting borrower rate/APR: 24.99% / 27.30% Starting monthly payment: $298.16
 
Auction yield range: 17.06% - 23.99% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.89%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: May-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:0y 10m
Amount delinquent: $0 Revolving credit balance: $11,210 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 10    
Screen name: elevated-loan Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off debt and getting married
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because even though my credit score doesnt seem that high, I have NEVER missed a single payment on anything including every car i have ever owned which has been taken out in my name and my name only with no co-signer. I have never defaulted on a single payment and im just looking to consolidate some debt and get ready for my wedding.

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 442720
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.0%  
   
 
Starting lender yield: 21.95% Starting borrower rate/APR: 22.95% / 25.23% Starting monthly payment: $290.13
 
Auction yield range: 8.06% - 21.95% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.43%  
<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: 7 First credit line: Mar-1995 Debt/Income ratio: 10%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:0y 9m
Amount delinquent: $0 Revolving credit balance: $2,939 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 57%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: Mdbruh38 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: 0 / 1 On-time: 11 ( 85% ) 760-779 (Latest)
Principal borrowed: $10,000.00< mo. late: 2 ( 15% )  
680-699 (Jul-2008)
640-659 (Sep-2007)
620-639 (Jun-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
RELIST = Real Estate Investment
Purpose of loan:
I will use the money?for a downpayment on an investment property of $189,500. I need 20% downpayment on the property. The property will generate net operating income of $825.00 per month after expenses.

My financial situation:
The income that will be generated from the property including my personal income and rental income will be more than enough to allow me to make loan payments. I have a?decent credit history. I had a previous Prosper loan and paid it off early.? I have been employment with my employer for 15 years. This is my second attempt for funding. I reduced the loan amount and provided financials in hopes of attracting lenders. ?

Thank you very much for taking the time to consider my? loan request.

Annual Income ($107,100)
Monthly Net Income ($5834)
Other Income ($700 per monthly personal property rental unit)

* Other investment property income = $2513 (not used in calculating disposable income)

Monthly Expenses ($3801)
Mortgage = 2486.00
Car Loan = 440.00
Car Insurance = 89.00
Credit Card/Loans = 386.00
Other Household Expenses = $400

Disposable Monthly Income ($2733)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442722
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 11.60% Starting monthly payment: $320.33
 
Auction yield range: 4.06% - 8.50% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.38%  
<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: 9 First credit line: Nov-1992 Debt/Income ratio: 11%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 24 / 21Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:1y 2m
Amount delinquent: $0 Revolving credit balance: $151,603 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 44%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 2    
Screen name: icematrix 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 family debt
Purpose of loan:
I'm helping my family consolidate some of their debt to a lower interest rate. My parents just retired, so this should help them reduce some of their monthly costs. The loan is entirely in my name and I will be the sole person entirely responsible. I take the assumption of credit as a serious responsibility and?commit to full and timely loan repayments.

My financial situation:
I'm in great financial shape with significant (illiquid) savings and a stable high paying job.

Key reasons why you should feel extremely secure in considering this investment include:

Stellar credit history - I have a 15+ year history of on time payments (760+ score). I've never defaulted on a single payment, much less a loan.Great financial health - I own my own home with equity greater than debt. I have retirement savings in excess of $100K and continue to fund for retirement. I have a stable job that pays nearly $200,000 per year.Strong financial planning skills - I've worked 10+ years doing financial and management consulting for large and small companies. I have an MBA from a top 10 program and an MPA from Harvard (most of my existing debt is student loans).
I'd be happy to answer any questions. Thanks for looking at my listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: 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: $651.29
 
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: Aug-2000 Debt/Income ratio: 37%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 14 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 36Length of status:7y 11m
Amount delinquent: $0 Revolving credit balance: $7,852 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: silver-student Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of multiple unsecured debts
Purpose of loan:
This loan will be used to pay off 8 unsecured debts; including personal loans and credit cards.

My financial situation:
I am a good canidate for this loan because I have been making extremely high payments for years.? I have never missed a payment or had a late payment in recent credit history.?

Monthly net income: $3500.00

Monthly expenses: $
??Housing: $550
??Insurance: $0
??Car expenses: $233.45
??Utilities: $170
??Phone, cable, internet: $65
??Food, entertainment: $50
??Clothing, household expenses $0
??Credit cards and other loans: $900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 17.06% Starting borrower rate/APR: 18.06% / 20.27% Starting monthly payment: $434.19
 
Auction yield range: 14.06% - 17.06% Estimated loss impact: 14.75%  
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: 6 First credit line: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Self-employed
Now delinquent: 0 Total credit lines: 16Length of status:25y 7m
Amount delinquent: $0 Revolving credit balance: $21,314 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 56%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: currency-turtle2 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
Pay off high intrest credit cards
My financial situation:
I am a good candidate for this loan because?
I pay on time and more than minimum due every month
Monthly net income: $ 1,900

Monthly expenses: $ 880.00
??Housing: $ 0.00 Own
??Insurance: $ 0.00
??Car expenses: $ 0.00 Own
??Utilities: $ 100.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?500.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $97.64
 
Auction yield range: 11.06% - 29.00% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.27%  
<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: 7 First credit line: Mar-1996 Debt/Income ratio: 23%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 24 / 23Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 55Length of status:5y 7m
Amount delinquent: $0 Revolving credit balance: $40,406 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: bumblebee1 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
Improvements to first home
Purpose of loan:
This loan will be used to make improvements to my home, which I purchased in May of 2009.

My financial situation:
I am a good candidate for this loan because I have demonstrated exceptional stability in my employment, have a strong income, and have demonstrated timely payback of my debts.

Currently, I am Vice President, Associate Creative Director at a major advertising agency in New York City.? I have worked at this company for over 5 years and have been promoted three times.? I began my employment at a much lower income level and with considerable debt and have been successfully strengthening my financial situation ever since. My recent purchase of a home was made possible after several years of savings.? My next step will be to pay down the debt that's holding back my FICO score.? However, in the meanwhile, I would like to make some critical improvements to my new home.

Monthly net income: $ 8,200

Monthly expenses: $ 7,380
??Housing: $ 3300
??Insurance: $ 30
??Car expenses: $800
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 1300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1550
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 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: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Dec-1992 Debt/Income ratio: 32%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 20 / 20Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 41Length of status:22y 7m
Amount delinquent: $0 Revolving credit balance: $22,670 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 61%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 12    
Screen name: principal-maestro 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
Remodel House
Purpose of loan:
This loan will be used to? replace carpet, and tile floors

My financial situation:
I am a good candidate for this loan because?? I have a good stable job and a good credit history.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1106
??Insurance: $ 100
??Car expenses: $
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.05% Starting borrower rate/APR: 16.05% / 18.23% Starting monthly payment: $281.45
 
Auction yield range: 6.06% - 14.05% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.81%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 8 First credit line: Sep-1994 Debt/Income ratio: 29%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 14 / 13Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 27Length of status:1y 5m
Amount delinquent: $0 Revolving credit balance: $9,705 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 43%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: goldarella Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to pay off some credit cards with higher interest rates.? I am just looking to consolidate all my debt into one payment.

My financial situation:
I am a good candidate for this loan because I have a solid work history.? I have worked for only 2 companies in the last 10 years, and have been promoted multiple times.? I have a solid credit history and always pay bills on time.??Upon reviewing my credit history you will see that we have a home that we have always paid the mortgage on, and on time.? I can assure the lender that?I?am not in any credit danger, but just looking to consolidate debt, and obtain lower interest rates.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.35% Starting borrower rate/APR: 14.35% / 16.51% Starting monthly payment: $206.09
 
Auction yield range: 6.06% - 13.35% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 8.13%  
<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: 8 First credit line: Apr-1977 Debt/Income ratio: Not calculated
Credit score: 760-779 (Jan-2010) Current / open credit lines: 11 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:37y 6m
Amount delinquent: $0 Revolving credit balance: $14,093 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 15%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: money-youngster 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
pay off personal loans
Purpose of loan:
This loan will be used to? paying off personal loans
My financial situation:
I am a good candidate for this loan because? About 2 years ago, I needed money for someting very personal.? I borrowed from a payday lender.? They say I defaulted on my loan and this is showing as a negative on my credit report.? I did not default and have paid them in full.? Since then,?I have personal loans which I would like to pay in full because of the interest rates being high and a loan from Prosper community will help me to get on the right track.? I know that my credit history is not the best but I try my best to pay my bills on time.? With your help, I can breath a little easier.? Your consideration will be deeply appreciated and thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
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: Nov-1977 Debt/Income ratio: 11%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 4 / 4Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 14Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $1,369 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$75,000-$99,999
Delinquencies in last 7y: 21 Homeownership: No  
Inquiries last 6m: 0    
Screen name: 3bcoach Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
620-639 (Dec-2009)
620-639 (Jun-2008)
 
Principal balance: $4,149.66 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
home improvement
Purpose of loan:
This loan will be used to? home impro.

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

Monthly net income: $ 4500

Monthly expenses: $ 2600
??Housing: $ 1900
??Insurance: $ 110
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet$0
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1992 Debt/Income ratio: 19%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 5 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 14Length of status:5y 9m
Amount delinquent: $1,680 Revolving credit balance: $1,293 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 78%Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bsargent49 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: 0 / 1 On-time: 35 ( 97% ) 700-719 (Latest)
Principal borrowed: $3,000.00< mo. late: 1 ( 3% )  
700-719 (Oct-2009)
640-659 (Dec-2007)
640-659 (Nov-2007)
620-639 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
DEBT CONSOLIDATION: REBUILDING
THANKS FOR LOOKING!? I AM REQUESTING THIS LOAN TO PAY OFF A FEW HIGH INTEREST CREDIT CARDS AND THE 1 DELINQUENCY SHOWN ON MY PROFILE. THE DELINQUENCY IS FROM SEVERAL YEARS AGO AND WE ARE TRYING TO COME TO A REASONABLE SETTLEMENT AMOUNT, WITH NO LUCK I AM JUST LOOKING TO PAY IT OFF AND MOVE ON. MY PROFILE SHOWS 1 LATE PAYMENT ON THE CURRENT PROSPER LOAN THAT I HAVE. THIS PAYMENT WAS RETURNED, DUE TO A BANK ERROR. I CAN PROVIDE DOCUMENTATION FROM MY BANK THAT STATES THIS WAS DONE IN ERROR. MY CURRENT JOB PAYS FOR MY VEHICLE PAYMENT AND INSURANCE, SO IT SHOWS ON THE DTI BUT I DO NOT ACTUALLY PAY FOR IT.? THIS AMOUNT IS PAID BY MY EMPLOYER ON MY MONTHLY EXPENSE REPORT SO IT IS NOT ACTUALLY SHOWN AS PART OF MY INCOME. I WILL ALSO BE PAYING OFF MY CURRENT PROSPER LOAN. ?I AM MORE THAN CAPABLE OF MAKING THE PAYMENTS ON THIS LOAN AS THE INTEREST RATES ARE FAR LESS THAN THE CURRENT APR'S ON MY CREDIT CARDS.??

HERE IS A BREAKDOWN:

TAKE HOME WAGES-$3095.00

BILLS-
GAS & ELECTRIC= $100.00
MORTGAGE = $1100.00
PHONE = $45
DIRECTTV?= $70CREDIT CARDS=$100.00
PROSPER = $106.00
CELL PHONE = $100.00
TOTAL BILLS = $1626.00

AS YOU CAN SEE I HAVE MORE THAN ENOUGH LEFT TO MAKE THE PAYMENT ON THIS LOAN;? I WILL BE PAYING OFF ALL OF YOU FINE LENDERS ON?MY CURRENT PROSPER LOAN WHICH HAS A PAYOFF OF $320.00.?ON A FINAL NOTE, MY PROFILE SHOWS 1 CURRENT DELINQUENCY, HOWEVER IT IS FROM MANY YEARS AGO AND I HAVE BEEN FIGHTING WITH THE CARD COMPANY FOR YEARS ON A SETTLEMENT OFFER.? ALL OF MY BILLS ARE CURRENT AND PAID ON TIME EVERY MONTH.? MY PROFILE SHOWS 1 LATE PAYMENT ON THE CURRENT PROSPER LOAN THAT I HAVE. THIS PAYMENT WAS RETURNED, DUE TO A BANK ERROR. I CAN PROVIDE DOCUMENTATION FROM MY BANK THAT STATES THIS WAS DONE IN ERROR.

PLEASE HELP ME CUT UP THESE HIGH INTEREST CREDIT CARDS AND THROW THEM AWAY, AND HELP PAY THE FINE LENDERS ON PROSPER TO MAKE THERE MONEY ALOT FASTER, I AM SURE YOU WILL MAKE YOURS FASTER AS WELL.

THANKS IN ADVANCE FOR YOUR CONSIDERATION!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $486.83
 
Auction yield range: 4.06% - 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: 8 First credit line: Nov-1993 Debt/Income ratio: 12%
Credit score: 760-779 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:10y 3m
Amount delinquent: $0 Revolving credit balance: $56,820 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 80%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: handy-durability7 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Card
Purpose of loan:
This loan will be used to?
pay down on some cards debt.? I would like to pay it off in 18-24 months and can be withdrawn from my account each month.
My financial situation:
I am a good candidate for this loan because?I am a solid person who has had the same job?fr 10+ years and have had solid credit the past 10 + years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 425053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.98% Starting borrower rate/APR: 11.98% / 14.11% Starting monthly payment: $182.63
 
Auction yield range: 4.06% - 10.98% Estimated loss impact: 2.14%  
Lender servicing fee: 1.00% Estimated return: 8.84%  
<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: 9 First credit line: Jul-1994 Debt/Income ratio: 15%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 12 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 34Length of status:2y 4m
Amount delinquent: $0 Revolving credit balance: $10,056 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 36%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: -Angel-Investor- 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 credit cards
Purpose of loan:
This loan will be used to pay legal fees for my new website as well as the remainder on a few credit cards with high interest rates as everyone seems to have now.

My financial situation:
I am a good candidate for this loan because I make $5000 a month net.

Monthly net income: $ 5000

DQreason:
Hospital was paid but apparently had a horrible record keeping dept . After 2yrs they decided my insurance hadn't paid them. That was resolved.


Monthly expenses: $
??Housing: $ 1150
? Car expenses: $ 50
??Utilities: $ 200
??Phone, cable, internet:$100
? Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 200 student loans
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $260.15
 
Auction yield range: 17.06% - 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: Jan-1990 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Full-time employee
Now delinquent: 3 Total credit lines: 16Length of status:0y 5m
Amount delinquent: $5,346 Revolving credit balance: $623 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 31%Stated income:$50,000-$74,999
Delinquencies in last 7y: 31 Homeownership: No  
Inquiries last 6m: 1    
Screen name: da1llustrator 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 student loans
Purpose of loan:This loan will be used to pay off my student loans.After graduating from Carnegie Mellon University with a degree in Electrical and Computer Engineering, I found myself buried under a huge pile of Stafford, Perkins, and Gate loans.The remaining portion of my loans is subject to an enormous interest rate, much higher than the rate prosper would offer me.My financial situation:I am a good candidate for this loan because the majority (4/5) of my student loans have been paid off.Since I really do not need much to get by, most of my paycheck goes directly to my loan repayment.I receive no financial support from my family, in fact, I provide for them as well.I am currently a network engineer working for a financial institution on Wall St.In addition, because of my recent excellent performance review; I will be getting a raise soon.Hopefully I would be able to help the Prosper community as much as you guys help me.

Monthly net income: $ 5000Monthly expenses: $ 2480
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442619
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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: Apr-1987 Debt/Income ratio: 30%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 12 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 32Length of status:8y 7m
Amount delinquent: $0 Revolving credit balance: $5,731 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 32%Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Homeownership: Yes  
Inquiries last 6m: 6    
Screen name: best-worth-travels 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
Starting a web design business.
Purpose of loan:
Wanting to start a web design business

My financial situation:
I am a good candidate for this loan because I have already gotten customers lined up for websites and my business is prospering which would allow me to pay back this loan with no problem, also I have a roomate and business partner which?helps out.Thank you for your help.

Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $?389.00
??Insurance: $?117.00
??Car expenses: $ 288.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 60.00
??Clothing, household expenses $ 20.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.95% Starting borrower rate/APR: 26.95% / 30.22% Starting monthly payment: $48.96
 
Auction yield range: 11.06% - 25.95% Estimated loss impact: 10.64%  
Lender servicing fee: 1.00% Estimated return: 15.31%  
<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: 8 First credit line: Sep-1991 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2009) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 67Length of status:9y 1m
Amount delinquent: $0 Revolving credit balance: $9,822 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 99%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 0    
Screen name: truth-chairman6 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
College Expenses
The purpose of this loan is to pay for books and expenses that I will incur as i attend college.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442625
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7 First credit line: Oct-1986 Debt/Income ratio: 59%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 12 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 43Length of status:21y 7m
Amount delinquent: $0 Revolving credit balance: $39,867 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: discrete-peace8 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?
Payoff some cc debt
My financial situation:
I am a good candidate for this loan because? I've never been unemployyed...21 excellent work history. Never failed to pay back any loans, never gone backrupt. The ONLY reason I'm in the situation I 'm in is b/c I've had 8 surgeries in the last ten years. That all seems to be worked out now...just need a little extra money to put some wind back under my sails.

Monthly net income: $ 3,300

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 442627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 4 First credit line: Feb-2005 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Not employed
Now delinquent: 0 Total credit lines: 17Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $3,010Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 86% 
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: hope-orb5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for study abroad in Egypt
Purpose of loan:
This loan will be used to front the money I need in order to pay for my study abroad trip to Egypt.? It will be the last class I take before I graduate!

My financial situation:
I am a good candidate for this loan because I am financially responsible.? I am one of those nerdy people that creates spreadsheets for my finances.? =)? I am currently searching for a job (I was just laid off from my job at a lovely art museum) and that is why I cannot front the money for my trip.? However, in May I will be receiving scholarship money that will cover the price of the trip, so return of your investment is guaranteed!

Monthly net income: $ 675

Monthly expenses: $
? Insurance: $ 120
??Car expenses: $ 310
??Phone, cable, internet: $ 60
??Food: $ 120
? Household expenses $ 60
? Other monthly expenses: $ 80
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442631
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $318.39
 
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-1985 Debt/Income ratio: 36%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 6 / 5Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 22Length of status:8y 3m
Amount delinquent: $563 Revolving credit balance: $7,616 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 95%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: kindness-vault 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
just need someone to save me
IPurpose of loan:
This loan will be used to? pay off credit cards

My financial situation:Please consider me for a loan. I know my history doesnt look so great but I can promise you I will repay this loan. I am being eaten up by late fees and intrest rates. My pay schedule changed from monthly to bi-monthly and my pay days are not corresponding well with my due dates. I have been married for 25 years and have two boys ages 9 and 18. My husband is a hard working great prson and I am so ashamed that I let my credit card mess happen. I dont use credit cards anymore. I have learned my lesson. I have stressed my family and my marriage. I am quite capable of paying two hundred dollars every pay period which are the 12th and 27th of every month.I just need someone to help me. Let me prove to you that I am responsible for my debts. Please. I am used to paying high intrest rates . Ive set this rate high because I want whoever helps me to make a decent return. M job is very secure. I work for a group of doctors who are L.D.S. . They have counseled me on spending and they have assured me my position is secure . Please please help me. I will not let you down.

Monthly net income: $ 2800.

Monthly expenses: $
??Housing: $ 1360.
??Insurance: $ 500
??Car expenses: $ 250
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442633
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $75.43
 
Auction yield range: 8.06% - 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: Jul-1987 Debt/Income ratio: 21%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 9 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:2y 6m
Amount delinquent: $0 Revolving credit balance: $23,605 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Homeownership: No  
Inquiries last 6m: 1    
Screen name: well-mannered-value 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 college
Purpose of loan:
This loan will be used to? continue with and complete work on my education.?

My financial situation:
I am a good candidate for this loan because?I have a full time job and?can make monthly payments. ?

Monthly net income: $ 5,000.00

Monthly expenses: $ 3500.00
??Housing: $ 1000.00
??Insurance: $ 500.00
??Car expenses: $ 400.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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: Jul-1997 Debt/Income ratio: 34%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 9 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 26Length of status:13y 0m
Amount delinquent: $0 Revolving credit balance: $37,793 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 100%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: LaxStarr 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: 17 ( 89% ) 620-639 (Latest)
Principal borrowed: $3,500.00< mo. late: 2 ( 11% )  
640-659 (Oct-2009)
640-659 (Aug-2009)
640-659 (May-2008)
 
Principal balance: $1,871.92 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Wedding Costs
Purpose: To acquire a loan that allows my fiance and I to put together a moderate wedding with little or no outside assistance.

Finances: I continue to work at paying down my debt with every extra penny I have (high interest first).? I'm using powerpay.org for my financial planning.? As I roll the payments down the line, my debt will only get better.? Barring emergencies, I'll be debt free in < 3years.

Credit Blemishes: I have had two incidents with my first prosper loan, where my payment was less than 5 days late.? This happened when I changed my checking account number due to account intrusions, and didn't get the information to Prosper on time.? It was my mistake but I did fix it right away when I realized what had happened.Credit History:? My rotating debt is high, but I've never defaulted on any loan that I've owed to anyone.? It's just not in me, to not handle my responsibilities.Steady Paycheck:? I've got at least 7 more years of service until my retirement eligibility date, so there should be no worries about me not having a steady paycheck.
Monthly net income: $ 4800

Monthly expenses: $? 3490
??Housing: $510
??Insurance: $ 80
? Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $ 500I can more than comfortably handle a loan payment of up to $250 a month, while keeping a reasonable spending plan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 25.58% Starting borrower rate/APR: 26.58% / 28.91% Starting monthly payment: $690.20
 
Auction yield range: 8.06% - 25.58% Estimated loss impact: 9.11%  
Lender servicing fee: 1.00% Estimated return: 16.47%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 5 First credit line: Dec-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 17Length of status:3y 3m
Amount delinquent: $0 Revolving credit balance: $2,530 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 12%Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: economy-firestarter 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 Take Over
Purpose of loan:
This loan will be used to payoff my lending club account and the remaining funds will be used in purchasing another business.? We?operate a small convience store located in Canton,Ohio. My famaily has owned this?store for?34 years, My wife and I have owned it on paper for 3 years and have been operating it for the past 4 years.? We do a tremendous business and have doubled our sales?since taking over the business.? We totally revamped the store moved fixtures and?added tons of new products?since we?started.? Now we are looking at another location and after looking at tons of stores over the last year and a half we feel we have found the perfect store.? It is a drivethur convience store (popular in ohio)? located off the exit of a major highway (I-77) and within blocks of?a major college.? The current owner has had 2 hip replacements this year and is looking at selling as quickly as possiable.? The current owner has had this location for 6 years and?this is the?first store he has ever?ran or managed.? The current business is doing okay?and is profitable but it's product offerings?need to be revamped and updated.? This drivethur manily sells beer and they havent put many other products in.?They have there beer and cigarettes priced higher than the competition and with the high prices and small product offering they are missing a big part of the market.? I have done due dillengence on this property and we feel we can double the sales in the next 3 to 4 years.?? Now I just need the 17,000 for the down payment on the business.? The owner has agreed to fiance the remaing part of the deal.? I have the funds to update the business and buy inventory.? We have a plan of action that will generate new customers and help expand the buiness to it's full potential.?

My financial situation:
I am a good candidate for this loan because? I have the funds to pay for the loan even if this new business fails.?? The business that I am buying has been around for the past 20 years.? They just are not running it to its full potentinal.? I have good credit pay my bills on time.? I have very litttle debt and currently own a thriving convience store.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442649
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
 
Auction yield range: 11.06% - 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: Dec-1996 Debt/Income ratio: 4%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 13 / 11Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:26y 4m
Amount delinquent: $0 Revolving credit balance: $5,215 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 34%Stated income:$100,000+
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 2    
Screen name: glimmering-dollar4 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 bills
Purpose of loan:
This loan will be used to get out of this hole that i got my family into

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

Monthly net income: $ 4500.00????????

Monthly expenses: $
??Housing: $ 850.00
??Insurance: $ 139.00
??Car expenses: $ 491.00
??Utilities: $?50.00
??Phone, cable, internet: $ 154.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 7,000.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,165.00 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: $143.17
 
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-1999 Debt/Income ratio: 41%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:0y 8m
Amount delinquent: $0 Revolving credit balance: $29,041 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 97%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 3    
Screen name: boomerang621 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
Refinance high-interest credit card
Purpose of loan:
This loan will be used to refinance a high-interest credit card.

My financial situation:
I am a good candidate for this loan because I have an excellent payment history. I have no blemishes on my credit history due to late payments.

Monthly net income: $ 2200

Monthly expenses:
??Insurance: $134
??Car expenses: $399
??Phone, cable, internet: $140
??Food, entertainment: $400
??Credit cards and other loans: $700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $105.47
 
Auction yield range: 8.06% - 15.00% Estimated loss impact: 6.84%  
Lender servicing fee: 1.00% Estimated return: 8.16%  
<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: 9 First credit line: Aug-1995 Debt/Income ratio: 21%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 10 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 21Length of status:3y 2m
Amount delinquent: $0 Revolving credit balance: $33,073 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 87%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: exuberant-value 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
Pay off credit cards
Purpose of loan:This loan will be used to pay off a?higher interest cc debt. I have not been late on any debt obligations in over five years. Currently pay mortgage and all debts on time and recently increased cash flow by renting a room in house for $800/month. The high interest from cc debt is making it harder to become debt free since payments are not decreasing principle by much. This loan will be used to pay off cc debt and have a set timeline to pay this loan off. It will actually decrease monthly amount due since interest rate will be lower.?
My financial situation:I am a good candidate for this loan because I pay all bills on time and continue to increase income. Renting out room has added $800/month. I created a monthly budget three months ago and have lived within means ever since. I?ve discontinued all use of credit cards and have learned to only purchase things necessary. I?ve become extremely focused towards becoming debt free. My job is as secure as can be in this economic climate due to being in Healthcare/IT. Also, my skill set continues to strengthen and is in a field with growing demand. I have assets which could be liquidated if needed; 401k, Roth IRA, individual stocks, but would rather let them grow back to at least break even levels. This loan would enable me to pay off credit card debt and pay down new loan on auto pilot. Please feel free to ask any questions regarding ability to pay back loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 23.05% Starting borrower rate/APR: 24.05% / 26.34% Starting monthly payment: $235.55
 
Auction yield range: 8.06% - 23.05% Estimated loss impact: 7.55%  
Lender servicing fee: 1.00% Estimated return: 15.50%  
<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: 7 First credit line: Oct-1990 Debt/Income ratio: 80%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 15 / 12Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:2y 5m
Amount delinquent: $0 Revolving credit balance: $4,834 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 16%Stated income:$1-$24,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: gringa 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
car
Purpose of loan:
This loan will be used to buy a car?

My financial situation is stable:
I am a good candidate for this loan because I am responsible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 1 First credit line: Sep-1999 Debt/Income ratio: 16%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 23Length of status:4y 10m
Amount delinquent: $0 Revolving credit balance: $621 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 88%Stated income:$100,000+
Delinquencies in last 7y: 8 Homeownership: Yes  
Inquiries last 6m: 9    
Screen name: tremendous-commitment3 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 debt
Purpose of loan:
This loan will be used to consolidate debt.

My financial situation:
I am a good candidate for this loan because I have a very good income a good person and I have always paid my financial obligation.? I am just in a tight situation at the moment.

Monthly net income: $ 7000

Monthly expenses: $ 5000
??Housing: $ 2712
??Insurance: $ 300
??Car expenses: $ 600
??Utilities: $ 140
??Phone, cable, internet: $ 115
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?600
??Other expenses: $ 130
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442669
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $260.15
 
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-2003 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jan-2010) Current / open credit lines: 7 / 3Employment status:Not employed
Now delinquent: 0 Total credit lines: 17Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $61Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 7% 
Delinquencies in last 7y: 21 Homeownership: No  
Inquiries last 6m: 0    
Screen name: BuffNYStudent 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
Law/MBA student needs help with car
Good morning/afternoon/evening:

I am a 25-year-old law and M.B.A. student from Buffalo, NY in a tight situation. I am in my second semester of my first year in a four-year program and my trusty old Volvo finally died. I am in need of a ?newer? vehicle, especially with the critical summer internship and job period bearing down quickly.


Loan Purpose:
The loan will be used for the purchase of a used car for transportation to/from school and to the summer job at a law firm I will be working at. The car would ideally be something similar to what I am used to: a privately-bought, used European or Japanese car with a stellar mechanical reputation and mid-range (60-80K) miles?something I can use for at least the rest of my graduate schooling (my last several cars have all died with well over 200K miles). Although I am under time pressure to get a newer vehicle, this is by no means an impulsive purchase. What makes my situation especially suited for peer lending is the fact that I am financially qualified and able to repay a loan such as this, but in the eyes of a traditional lending institution (such as a bank or credit union), I am not because I am not currently employed or have traditional ?income?.


Income:
Student loans/month: $2,000*


Itemized Expenses:
Credit Cards/Loans: $230
Rent/Mortgage: $450
Car Payment: $0
Insurance: $0**
Utilities (phone, cell, gas, electric, water): $210***
Food: $150
TOTAL EXPENSES: $1,040
LEFT OVER: $960

*This income figure is likely to be supplemented during the summer months due to working at a law firm.
**My health insurance is covered by my student tuition and I am fortunate enough that my parents keep me on their auto insurance.
***Maximum listed here is indicative of the winter months and high gas bills; this figure can be up to $60 cheaper during the rest of the year.



Explanation of Credit Situation:
Any problems with my credit profile stem from situations several years ago. To explain, after graduating with my undergraduate degree I spent a lengthy time traveling the world. Being in remote places (Latin America, Africa, the Middle East) with little access to funding or methods to pay card bills created problems, and I missed a number of payments and was forced to put high balances on my credit cards. Since I returned, I have closed many cards and have been diligently paying down balances on time. So in summary, the larger number of missed payments listed are ALL from at least three years ago and I have been diligent since then.


Thanks for looking and considering!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.05% Starting borrower rate/APR: 14.05% / 16.21% Starting monthly payment: $171.01
 
Auction yield range: 6.06% - 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-1986 Debt/Income ratio: 8%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 3 / 4Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 20Length of status:1y 2m
Amount delinquent: $38 Revolving credit balance: $1,150 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 3%Stated income:$100,000+
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 1    
Screen name: brightest-payment-sorcerer 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
Explosive Growth - Need Cashflow
Purpose of loan:
One year old company is experiencing explosive growth due to sales consultants all over the country performing real well. Anticipated growth for 2010 will be in excess of 300% over last year with a PROFITof $397,000. Even though all sales are prepaid with credit card, it takes 3 days to fund into our bank account. The money will be used to help with cashflow as we prepay all of our vendors.

My financial situation:
I am a good candidate for this loan because the company is?growing daily and there is?very little overhead. All orders from clients are prepaid?therefore very little exposure. We will do?2.4?million dollars in revenue this year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.90% Starting borrower rate/APR: 13.90% / 16.30% Starting monthly payment: $51.19
 
Auction yield range: 8.06% - 12.90% Estimated loss impact: 6.78%  
Lender servicing fee: 1.00% Estimated return: 6.12%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Jun-1995 Debt/Income ratio: 33%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 16 / 15Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 37Length of status:5y 2m
Amount delinquent: $0 Revolving credit balance: $14,678 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 48%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 4    
Screen name: benefit-high-five 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
Auto Repair Loan
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 442689
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $139.16
 
Auction yield range: 8.06% - 24.00% Estimated loss impact: 7.07%  
Lender servicing fee: 1.00% Estimated return: 16.93%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their 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: kennyinminny 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
Consolidating debts, and paying off
Purpose of loan:
This loan will be used to?pay off some bills and stay more afloat.

My financial situation: ok!
I am a good candidate for this loan because?I've never defaulted on a loan, and I just need some money to pay off some bills (like medical!) I also took on a second job to try to make additional money, which starts next week.

Monthly net income: $3200

Monthly expenses: $2979
??Housing: $1000
??Insurance: $175
??Car expenses: $459
??Utilities, Phone, Cable, Internet: $205
??Food, entertainment: $250
??Clothing, household expenses $100
??Credit cards and other loans: $500
??Other expenses: $150
Prosper loan: $140 (projected)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: 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: $81.76
 
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: Dec-1995 Debt/Income ratio: 40%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 24 / 18Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 60Length of status:7y 7m
Amount delinquent: $0 Revolving credit balance: $12,693 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 51%Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Homeownership: No  
Inquiries last 6m: 3    
Screen name: superj11 Borrower's state: Florida Borrower's group: Christian Opportunities
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,900.00< mo. late: 0 ( 0% )  
620-639 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
This is my second propser loan!!!
Purpose of loan: I have a JC Penny Dept Card that I closed out that has a balance of 2200. It has an interest rate of 23.9%, and I need to get that lowered. I am looking to refinance that debt with a lower interest rate loan. I have already taken out a loan from prosper for 1900 and paid it off without incident.

I've set a goal to become debt free by Jan 2012, and I have made significant strides in lower interest rates and paying debts off. JC Penny was not willing to work with me, so I am seeking help here.

My financial situation: I am a good canidate because I have never been unemployed, and I make a good salary. I have?worked extremely hard to get my credit score back up and I have dedicated myself becoming debt free. Back in 2004, I had some set backs and that was when I had my delinquencies. Soon those will start coming off my credit and it will start to rise significantly. I had a loan here before and you will see my score has risen since then. Thank you for the consideration, and I am trustworthy. I am not going to be late on this payment or any other payment I have with other companies. I am committed to raising my credit score.


Monthly net income: $ 4800
Monthly expenses: $???
Housing: $???400
Insurance: $ 95??
Car expenses: $ 360???
Utilities: $???
Phone, cable, internet: $ 120??
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 442693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3 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 off past bills
Purpose of loan:
This loan will be used to? pay off bills that were with me when I had my own business

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

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 442701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1998 Debt/Income ratio: 11%
Credit score: 640-659 (Jan-2010) Current / open credit lines: 8 / 6Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 19Length of status:12y 1m
Amount delinquent: $0 Revolving credit balance: $2,471 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$75,000-$99,999
Delinquencies in last 7y: 20 Homeownership: No  
Inquiries last 6m: 3    
Screen name: medkoder Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
640-659 (Dec-2009)
620-639 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Prosper lender looking to re-invest
Prosper lender looking to re-invest. I am currently a lender with over 100 loans.? I have a very stable career (Hospital DIrecor) and can easily afford to pay loan w/o any return on my investments.? I previously obtained a proper loan to re-invest, and every note was paid on time and it is not paid out.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.06% - 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: Jun-1994 Debt/Income ratio: 27%
Credit score: 680-699 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 18Length of status:2y 6m
Amount delinquent: $160 Revolving credit balance: $7,325 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 54%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: best-focused-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
Right Decision, Right Direction
Purpose of loan:
This loan will be used to consolidate credit card debt to enable a smoother cash flow for our household.

My financial situation:
I am a good candidate for this loan because I value the trust being placed in me.? Last year when others were giving up on there homes and mortgages, I fought to keep mine because I had made a commitment.

Monthly net income: $
4500

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 56?
??Car expenses: $ 400
??Utilities: $ 125?
??Phone, cable, internet: $ 115
??Food, entertainment: $ 600 (food)
??Clothing, household expenses $ 200
??Credit cards and other loans: $?500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.06% - 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: Feb-1990 Debt/Income ratio: 22%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 22 / 16Employment status:Full-time employee
Now delinquent: 2 Total credit lines: 46Length of status:13y 7m
Amount delinquent: $210 Revolving credit balance: $15,043 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 25%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 3    
Screen name: profitable-dinero Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
BUYING A CAR
Purpose of loan:
This loan will be used to BUY A CAR

My financial situation:
I am a good candidate for this loan because I have great credit
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $186.64
 
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: Apr-1987 Debt/Income ratio: Not calculated
Credit score: 820-839 (Jan-2010) Current / open credit lines: 9 / 9Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:2y 9m
Amount delinquent: $0 Revolving credit balance: $15,853 Occupation: Tradesman - Mechani...
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: top-understanding-moola 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
EXISTING BUSSINESS LOAN
Purpose of loan:
This loan will be used to? PURCHASE EQUIPTMENT, AND RELATED PARTS INVENTORY.
IT STARTED AS A HOBBY REPAIRING LAWN MOWERS,ZERO-TURN,RIDING LAWN TRACTORS, OUT OF MY GARAGE , FOR THE LAST 2 1/2? YEARS.BUSINESS HAS BEEN GREAT, SO I OPENED UP A LOCAL REPAIR SHOP,AND NEED SOME CASH.
My financial situation:
I am a good candidate for this loan because? I PAY MY BILLS ON TIME , NEVER BEEN LATE WITH ANY OF MY PAYMENTS. I AM A MAN OF MY WORD, MY CREDIT IS GOOD.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442711
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 1.5%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 7.84% Starting monthly payment: $93.32
 
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: Jun-1981 Debt/Income ratio: Not calculated
Credit score: 800-819 (Dec-2009) Current / open credit lines: 8 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 15Length of status:5y 1m
Amount delinquent: $0 Revolving credit balance: $15,520 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 27%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: engaging-capital Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
car repair
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 442719
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 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: 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: May-1984 Debt/Income ratio: 29%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 24Length of status:0y 6m
Amount delinquent: $0 Revolving credit balance: $7,861 Occupation: Other
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 85%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: riveting-asset7 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
Paying off my credit cards
Purpose of loan: Consolidate my credit cards and a loan.
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?it is easier for me to make one payment and have it automatically deducted from my checking account to insure payment to your company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442723
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 20.50% Starting borrower rate/APR: 21.50% / 23.76% Starting monthly payment: $599.33
 
Auction yield range: 17.06% - 20.50% Estimated loss impact: 35.66%  
Lender servicing fee: 1.00% Estimated return: -15.16%  
<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: 1 First credit line: Jan-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jan-2010) Current / open credit lines: 8 / 8Employment status:Self-employed
Now delinquent: 0 Total credit lines: 29Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $5,314 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Bankcard utilization: 37%Stated income:$100,000+
Delinquencies in last 7y: 9 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: Net-Architect Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 760-779 (Latest)
Principal borrowed: $23,800.00< mo. late: 0 ( 0% )  
680-699 (Mar-2008)
640-659 (Apr-2007)
 
Principal balance: $3,254.55 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
Vintage Mercedes Purchase
I desire a loan of $15,800 to purchase, transport, license (pay tax), and fix up a ?perfect? 1985 Mercedes W123. In the current lending climate, lenders want a return - to oblige - this listing is set for bid down and an initial rate of 21.5%. I somewhat disagree with Propsper's rating me as HR (previously I was a B) as nothing has happened to my credit except improvements. But fair is fair. I would like the car, you (the investors) would like the rate. I'd like to do this, and certainly have the means. If you are willing, and this can be done, great !

I'm coming to Prosper so as to leave my existing credit lines open for any contingencies. I pay down my credit cards to essentially zero each month because I don't use the cards to buy "things". Rather they are used in lieu of cash to pay for travel (I am Platinum Exec on AA, and Diamond with Hilton ? which shows you just how much I travel for business) leaving cash in the bank. What balances exist are simply an artifact of travel expense cash flows. That's the current case having just returned from Japan.

The firm I contract to as an engineer has long term stable contracts and I expect no income surprises.

My monthly budget net of all expenses allows for aproximately $3500 of ?mad money?, not including the amount freeing from the existing Proper loan ? perfectly paid ? which ends in 3 months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 4 First credit line: Mar-1990 Debt/Income ratio: 53%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 11 / 9Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 38Length of status:8y 10m
Amount delinquent: $203 Revolving credit balance: $10,595 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 71%Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Homeownership: No  
Inquiries last 6m: 1    
Screen name: worth-enclave7 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
personal
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 442737
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $151.54
 
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: Jan-1994 Debt/Income ratio: 18%
Credit score: 620-639 (Jan-2010) Current / open credit lines: 4 / 3Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 13Length of status:7y 4m
Amount delinquent: $0 Revolving credit balance: $375 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 2 Bankcard utilization: 75%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: bmetjpf 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 / 2 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,650.00< mo. late: 0 ( 0% )  
640-659 (Oct-2009)
600-619 (Aug-2009)
600-619 (Jul-2009)
600-619 (May-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
pay off medical bills
Purpose of loan:
This loan will be used to? pay medical bills

My financial situation:
I am a good candidate for this loan because? am willing to pay a high interest rate

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 130
??Car expenses: $ 515
??Utilities: $ 110
??Phone, cable, internet: $ 130
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.40% Starting borrower rate/APR: 29.40% / 31.77% Starting monthly payment: $800.35
 
Auction yield range: 11.06% - 28.40% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.69%  
<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: Sep-1996 Debt/Income ratio: 45%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 33Length of status:3y 1m
Amount delinquent: $0 Revolving credit balance: $22,144 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 60%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: newest-trade-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
Rental property
This loan will be for a rental one bedroom condo I would like to purchase.
It is a one bedroom one bath condo 650 sq ft. Its in a 7 store high rise in Akron, OH
It currently has a long term renter living there for 500 a mouth.
The asking price is 24,500
Taxes, insurance, Home owners fee total is 187 a mouth
The renter pays all utilities
That gives me 313 from the rent to pay the loan each mouth
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,300.00 Prosper Rating: 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: $122.64
 
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: 7 First credit line: Apr-1987 Debt/Income ratio: 11%
Credit score: 660-679 (Jan-2010) Current / open credit lines: 13 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:28y 10m
Amount delinquent: $0 Revolving credit balance: $13,330 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 70%Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 4    
Screen name: unforgettable-credit7 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
Need a car for my family
Purpose of loan:
This loan will be used to?purchase a car for me to run my errands. We had to buy a full size van to accomodate our handicapped son. It gets terrible gas mileage. I want a cheap, reliable, small car that gets me around efficiently.

My financial situation:
I am a good candidate for this loan because? I have been with the same credit Union for 24 years. I have always paid back my loans. We just paid off a $26,000 loan and also a $14,000 auto loan. My credit is not great. I have 5 children and things have come up unexpectedly that sometimes are out of my control. We are good for the money. We downsized our house also with a lower monthly payment. We are trying to get back on? track. Because my son is handicapped, my wife will soon be receiving money from the state for nursing care. It will begin in Feb. Not sure how much. Please consider our request. Thank You

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 442747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 17.95% Starting borrower rate/APR: 18.95% / 21.17% Starting monthly payment: $183.15
 
Auction yield range: 14.06% - 17.95% Estimated loss impact: 15.49%  
Lender servicing fee: 1.00% Estimated return: 2.46%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their 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-2003 Debt/Income ratio: 20%
Credit score: 600-619 (Dec-2009) Current / open credit lines: 10 / 10Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:3y 9m
Amount delinquent: $0 Revolving credit balance: $4,298 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 76%Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Homeownership: No  
Inquiries last 6m: 0    
Screen name: lucy1285 Borrower's state: California Borrower's group: Debt Consolidation &amp; Friends
Credit and homeownership information was obtained 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 ( 82% ) 600-619 (Latest)
Principal borrowed: $5,000.00< mo. late: 3 ( 18% )  
600-619 (Nov-2009)
640-659 (Jul-2008)
 
Principal balance: $2,849.48 1+ mo. late: 0 ( 0% )
Total payments billed: 17  
Description
Paying for School
Purpose of loan:
Need Cash reserve to pay for school expenses and transportation?

My financial situation:
Is great, but my paycheck usually goes to current bills, and I a living paycheck to paycheck.?

Monthly net income: $

3000.00

Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 85.00
??Car expenses: $ 400.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.50% Starting borrower rate/APR: 34.50% / 36.95% Starting monthly payment: $112.38
 
Auction yield range: 11.06% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 7 First credit line: Jul-1991 Debt/Income ratio: 29%
Credit score: 640-659 (Dec-2009) Current / open credit lines: 10 / 7Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 39Length of status:12y 5m
Amount delinquent: $251 Revolving credit balance: $5,921 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 77%Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: bcb1 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: 0 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off high interest debt
Purpose of loan:
This loan will be used to pay several small loans with high interest rates.

My financial situation:
I am a good candidate for this loan because am a teacher and have a steady income.? I had a loan with Prosper but paid it off last year.? We have set a budget, but due to unexpected illnesses and car trouble have been unable to save our emergency fund.? We have closed all of our credit card accounts and are paying them off with the lowest interest rates possible.? We can make our house payment, bills, and consolidation payments with both of our salaries.? Unfortunately we had to borrow money over the past six months and would like to consolidate these so that we can get back on our feet and stick to the budget and cash only envelope plan.?

Monthly net income: $ 3200
Husband $5000

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 98
??Car expenses:? no car payments
??Utilities: $ 220
??Phone, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1700
??Other expenses: $ 900? child care
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.89% Starting monthly payment: $37.72
 
Auction yield range: 8.06% - 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: 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
LONGSHOREMAN 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 longshoreman union $1500 fee I have $500 ready, After I have joined the union I will be earning $24 hourly with an average work week of 20 hours
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 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! This also will be the last time I apply with Prosper because I'm not having much progress here and my credit score is totally wrong(currently 717 not 679? double checked many times.) and I'm running out of time to join the union because they will close the books soon it only opens up every 2 years or so. If you are interested in this loan please do not hesitate I can assure you your money is safe with me 1000 percent!!
Monthly net income: $
Currently $818 after the loan anywhere from $1200-2200 monthly
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 1995 Chevy Corsica car is paid off.
??Utilities: $ 0 see housing
??Phone, cable, internet: $ 88 cell phone bill.
??Food, entertainment: $?60 monthly
??Clothing, household expenses $ 0 none.
??Credit cards and other loans: $ 15 monthly.
??Other expenses: $ 0 don't go out much or party just work and home.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.55% Starting borrower rate/APR: 8.55% / 10.64% Starting monthly payment: $94.77
 
Auction yield range: 4.06% - 7.55% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.44%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Sep-2005 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jan-2010) Current / open credit lines: 7 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 11Length of status:3y 11m
Amount delinquent: $0 Revolving credit balance: $8,347 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 41%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 0    
Screen name: Yuriana26 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
740-759 (Nov-2009)
720-739 (Oct-2009)
700-719 (Jun-2007)
 
Principal balance: $135.73 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Paying off Wells Fargo 23.90% CC
Purpose of loan: (relisting- last loan? was only funded 70% then it expired.)
Our 15 year old washer/dryer gave up 2 months ago and we had no choice but to get a new one and that time we made a mistake of financing it thru the store appliance for 23.90% interest. We would like to pay it off so we have better interest and we can pay it off fast through prosper loan. The rest of the money will be for medical bills that we acquired.

My financial situation:
I have a very good credit score and never fail to pay my payments/bills every month. My credit score/history can attest to that. I believe that if you utilize or use a credit card or if you owed money- it is to be paid for no matter what. Thank you so much! Have a happy new year!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442767
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Jan-2010) Current / open credit lines: 7 / 6Employment status:Self-employed
Now delinquent: 0 Total credit lines: 14Length of status:0y 2m
Amount delinquent: $0 Revolving credit balance: $7,779 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 19%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: exchange-banjo 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
We're making dreams a reality
Showcase Acting Studio is a dream that I am beginning to see come to fruition after 10 years of working in the industry as an actor. I spent seven of those teaching acting to students of corporate acting schools. After developing relationships with the students and seeing how their passion met my own I began to see that while I was giving them the needed skills for auditions and castings, they were left in the dark as to what the next step would be.

Showcase Acting Studio is an innovative move for Orlando?s entertainment industry. Not only will it offer classes in monologues, improv, scene study and commercials (which make up most of Orlando?s talent market) but performance events will allow the students to perform for friends and family and casting directors and local talent agents. Our studio will focus on classic techniques as well as more innovative styles to students starting at age five, and divided into peer age groups. Our classes are designed to develop self-confidence, cultivate motivation and discipline in an environment that creates healthy peer relationships and teaches important life skills. In addition to the structured curriculum, we will be offering? one-two day workshops instructing actors on how to market themselves in the industry, reality tv acting, commercial acting for children 2 to 5, stand up comedy, stuntwork, and voice-overs.

Our studio will also offer private instruction, photo shoots for headshots and comp cards (which serve as an actor?s resume) and access to a weekly email of local castings and auditions. Students who need assistance with video auditions can come to our studio and have them filmed and edited by a professional videographer and directed by one of our instructors, ensuring their audition stands out from the crowd.

The money received from this loan will help tremendously with the startup costs. I personally have savings that I will be contributing and have already been contributing to the construction and marketing costs. My office manager and I have already started promotions by introducing ourselves to other local merchants and have begun creating an internet persona for the business with a webpage, and sites on social networking sites such as Facebook, Myspace and Twitter. Moneys received from this loan will allow us to invest further in direct mail marketing and SEO advertising. The moneys received will also help ensure that we have the capital to cover the first 120 operating days of business including rent, utilities, etc.

I feel as though I am a trustworthy borrower because this business is something I have been passionate about for a significant amount of time and I am fully dedicated to its success. My credit history shows that I am financially responsible and have a low debt ratio. I am a homeowner, and am in good standing with my mortgage, making payments on-time for the last 18 months.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $255.89
 
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: Jul-1992 Debt/Income ratio: 10%
Credit score: 740-759 (Jan-2010) Current / open credit lines: 11 / 8Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 39Length of status:17y 6m
Amount delinquent: $0 Revolving credit balance: $35,021 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 84%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: halo566 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
Refinancing credit cards
Purpose of loan:
This loan will be used to pay off two credit cards charging high interest.

My financial situation:
I am a good candidate for this loan because I have a completely clean payment history with no missed payments. I have good reliable income. This will be a safe loan that I can reliably pay and will lower my interest rate. Thank you for considering this application. I appreciate your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.06% - 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-1995 Debt/Income ratio: 29%
Credit score: 700-719 (Jan-2010) Current / open credit lines: 9 / 10Employment status:Full-time employee
Now delinquent: 1 Total credit lines: 28Length of status:9y 9m
Amount delinquent: $580 Revolving credit balance: $44,831 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 68%Stated income:$100,000+
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 1    
Screen name: deal-blossom0 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
need 25k to buy an existing busines
Purpose of loan:
This loan will be used to purchase a business

My financial situation:
I am a good candidate for this loan because I have 2 investment properties and a personal residence.? I make a 106K in salary per year.? My investment breakeven at 70k income and 70k expense.? I am not delinquent? on any debt.? Information was corrected. I used automatic bill pay to pay bills and one setup expired which caused me to be late on a bill. ? The website has not been update with the correct information. I am purchasing an exiting Salon business for 100k. I? need 25k to? fund pay the reminder.? I will continue to work and pay the loan back with my salary.? My partner will manage the business.

Monthly net income: $ 8900

Monthly expenses: $ 4500
??Housing: $ 2600
??Insurance: $150
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 225
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442779
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.05% Starting borrower rate/APR: 14.05% / 16.21% Starting monthly payment: $136.81
 
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: Sep-1997 Debt/Income ratio: 33%
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 442783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.50% Starting borrower rate/APR: 7.50% / 9.58% Starting monthly payment: $466.59
 
Auction yield range: 4.06% - 6.50% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 4.39%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their 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: 25%
Credit score: 780-799 (Jan-2010) Current / open credit lines: 17 / 14Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 51Length of status:8y 9m
Amount delinquent: $0 Revolving credit balance: $31,422 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 35%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: CobaltStargazer 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
Expansion for Successful Ad Agency
**Re-list of a previous listing with a lower income level, since Prosper only views and considers W-2 income and not profit distributions from self-employed owners (that's me), which provides the bulk of my actual income.Purpose of loan:
This loan will be used to pad our current cash flow and alleviate difficulty we've experienced with American Express. We're a successful Google ad agency with many stateside and international clients. All of our Google Adwords advertising accounts are funded with credit cards per Google's requirements, and we've always funded ours with our Amex cards. You may have heard, however, that since the financial crisis, Amex has been reducing credit lines willy-nilly, even on cardholders without any problematic payment histories. We're one of them. Despite having never missed a payment, Amex cut our credit limits to $20,000. That's hamstrung our abilities to keep ads running for ourselves and our clients, since our ad costs run upward of $60,000 per month. The cash for this loan will help us pay down the Amex cards early so that we may continue advertising uninterrupted until the cycles of our clients' payments to our agency catch up with Amex's newly accelerated billing cycles.

My financial situation:
I am a good candidate for this loan because our company is healthy and well-established. We are almost nine years old, and our revenues have been in excess of $1 million ever since 2006. I personally take a salary of $300,000 every year and have plenty of cash personally to fund this if the Prosper community chooses not to; I just thought I'd give it a try with Prosper since I have been a Prosper lender myself multiple times and thought it would be interesting to try out the other side of the fence. I've never defaulted a loan of any kind in my life and would certainly put up my own personal capital to repay it in the extremely unlikely event that a meteorite hit the business and therefore could somehow not repay it.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $565.13
 
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: 4 First credit line: Aug-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jan-2010) Current / open credit lines: 17 / 17Employment status:Self-employed
Now delinquent: 0 Total credit lines: 34Length of status:0y 5m
Amount delinquent: $0 Revolving credit balance: $20,123 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 59%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: meteoric-gold 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
My goal is to be debt free
Purpose of loan:
This loan will be used to? Pay off my credit cards and give me a more manageable monthly payment.?I would like to lower the interest rate on these high-rate cards so that I can pay off the balances?sooner, with the goal of being entirely debt-free except for my student loans; those will be consolidated after completing my Master's degree.??Paying off my balances will improve my credit score, which is my ultimate goal, so I can then save for a downpayment on a house.

My financial situation:
I am a good candidate for this loan because??? I have never had a late payment, I pay my bills on time. I pay more than the minimum payment due. ?I take advantage of automatic bank drafts and electronic payments so that payments are always on time.? When I receive a billing notice, I schedule my next payment so that I do not forget and nothing is ever late.?? I just received my teaching license and will be completing graduate school in May, and expect to have a full-time position then.

Monthly net income: $ 2,000

Monthly expenses: $
??Housing: $ 0????
??Insurance: $ 0??
??Car expenses: $ 150.00??
??Utilities: $ 150.00????
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 700.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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: Oct-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2010) Current / open credit lines: 3 / 3Employment status:Self-employed
Now delinquent: 1 Total credit lines: 13Length of status:20y 11m
Amount delinquent: $200 Revolving credit balance: $0 Occupation: Other
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Homeownership: Yes  
Inquiries last 6m: 0    
Screen name: hercules693 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
moving expenses
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 442791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 1.5%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $94.36
 
Auction yield range: 3.06% - 7.25% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.75%  
<span class="estReturnDisclaimer">The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. </span><span class="estReturnDisclaimer">The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.</span><span class="estReturnDisclaimer"> The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.</span>
Borrower's Credit Profile
Prosper score: 9 First credit line: Nov-1969 Debt/Income ratio: 10%
Credit score: 800-819 (Jan-2010) Current / open credit lines: 8 / 7Employment status:Full-time employee
Now delinquent: 0 Total credit lines: 12Length of status:5y 9m
Amount delinquent: $0 Revolving credit balance: $1,044 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Bankcard utilization: 0%Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Homeownership: No  
Inquiries last 6m: 1    
Screen name: point-sushi Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.