Listing Report:Supplement No. 186 dated Mar 08, 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 262377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2005 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:1y 5m
Credit score: 640-659 (Mar-2010) Total credit lines: 12 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $3,808Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: EHigg Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card, tuition
Purpose of loan:
This loan will be used to pay off my credit card (the interest rate just jumped up to 29%). I will use the remainder to pay my tuition this summer.

My financial situation:
I am a good candidate for this loan because I have a steady job with a steady paycheck. I am a computer repair technician and also have a variable amount of money coming in from various private clients. I have a roommate who pays for half the bills, so my bills are manageable. I have one delinquency on my credit report from a piece of property I own in Pennsylvania, I am currently working out a payment plan with the HOA there.

Monthly net income: $ 1900

Monthly expenses: $
??Housing: $ 375
??Insurance: $ 130
??Car expenses: $ 240
??Utilities: $ 40
??Phone, cable, internet: $ 30
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0 (after this loan)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 432127
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $519.89
 
Auction yield range: 3.04% - 9.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:6y 2m
Credit score: 800-819 (Mar-2010) Total credit lines: 14 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,688Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: yan201 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
BT expiring , need to pay off
Purpose of loan:
A 0% Balance Transfer C.C expiring ,? the interest is going up to 15.99%.

My financial situation:

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 442883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $297.16
 
Auction yield range: 14.04% - 29.00% Estimated loss impact: 15.33%  
Lender servicing fee: 1.00% Estimated return: 13.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: 18%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 9Length of status:11y 9m
Credit score: 660-679 (Mar-2010) Total credit lines: 45 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $27,204Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: a-heroic-fairness Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Repair Bills
Purpose of loan:
We have a daughter who has a rare disease, Spinal Muscular Atrophy.? We have had several major bills that have caused us financial burden.? Our van that has a wheelchair lift broke down.? It needed over $2000 in repair work.? We rely on that van to get our daughter to doctor appointments.? Our washing machine also broke and we needed to get a new one since the repair would cost more then it would be to buy a new one.? We owe on taxes for the year.? Everything came at a bad time.

My financial situation:
We are a good candidate for this loan because we do make a decent income but because of medical bills and needs of our daughter's medical condition we are in the position we am in.? We love our daughter and she comes first.? We appreciate your help in giving us the loan to get back on our feet. ??

Monthly net income: $9,000

Housing: $2700 (We do own a home worth $360K+ even though prosper does not show that we own one.? We have owned it since 2005.) I have a solid job that I have been at for over 11 years.? Have the means to be able to make monthly payments.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 444901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $157.79
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1996 Debt/Income ratio: 7%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:2y 2m
Credit score: 820-839 (Mar-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,630Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: MTLoans Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained 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% ) 820-839 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
780-799 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
Remodel
Purpose of loan:
This loan will be used to fix up the kitchen.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time. I have enough cash to pay this loan off if necessary.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2000 Debt/Income ratio: 18%
Basic (1-10): 4 Inquiries last 6m: 14Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:5y 6m
Credit score: 700-719 (Feb-2010) Total credit lines: 30 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $1,242Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worldly-greenback7 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
i want to install new hvac unit
Purpose of loan:
i want to install the most efficient hvac unit in the home i just bought, my unit now is 28 yrs old.
My financial situation:
I am a good candidate for this loan because i am responsible at paying our bills.?

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0

??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 175
??Other expenses: $




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447833
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $248.80
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1992 Debt/Income ratio: 30%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 4 / 5Length of status:19y 5m
Credit score: 660-679 (Feb-2010) Total credit lines: 15Stated income:$1-$24,999
Now delinquent: 1 Revolving credit balance: $1,701 
Amount delinquent: $5,913 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: pragmatic-return137 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
i have service
Purpose of loan:
This loan will be used to? start an internet business????

My financial situation:
I am a good candidate for this loan because? I only have a 2000 limit on my credit card.? my retirement goes for the bills and my wifes income make the mortage

Monthly net income: $ 3700.

Monthly expenses: $ 2823????
??Housing: $?1900??Insurance: $ 46
??Car expenses: $ 60
??Utilities: $ 500
??Phone, cable, internet: $ 92
??Food, entertainment: $ 80
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 120
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448761
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $628.59
 
Auction yield range: 17.04% - 28.00% Estimated loss impact: 19.63%  
Lender servicing fee: 1.00% Estimated return: 8.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:20y 10m
Credit score: 740-759 (Mar-2010) Total credit lines: 21 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $160,065Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: satisfying-reward8 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
New Wireless Store!
Purpose of loan:
This loan will be used to open a new wireless phone store as a dealer for one of the major wireless carriers in a high-traffic strip shopping center location. It will be used as primary financing and other lines of credit which I currently have will be used for backup operating funds when and if they are required.? Market research has shown this to potentially be a highly profitable business model in an under-served local area.

My financial situation:
I have a successful track record in business, having built a company that employed up to 30 people before it was sold. I currently own 2 successful businesses, a pack-n-ship store and a computer service business, both of which are cash flow positive and current with all financial obligations. These businesses were financed on available revolving lines of credit, and have reduced my credit score somewhat. I own a home and rental property and have never defaulted on a loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448831
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $346.85
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1992 Debt/Income ratio: 29%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 6Length of status:0y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 14 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $35,374Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: revenue-relief8 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
Consolidation
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 448895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,900.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $124.71
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2006 Debt/Income ratio: 48%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:2y 7m
Credit score: 720-739 (Mar-2010) Total credit lines: 7 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $5,813Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: authoritative-asset6 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off bills.

My financial situation:
I am a good candidate for this loan because I have never missed a payment or been late on a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,700.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.03% Starting borrower rate/APR: 15.03% / 17.20% Starting monthly payment: $301.72
 
Auction yield range: 6.04% - 14.03% Estimated loss impact: 5.24%  
Lender servicing fee: 1.00% Estimated return: 8.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1994 Debt/Income ratio: 23%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:21y 10m
Credit score: 740-759 (Mar-2010) Total credit lines: 30 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $7,070Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Robert1968 Borrower's state: California 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: 1 / 2 On-time: 41 ( 100% ) 740-759 (Latest)
Principal borrowed: $18,100.00< mo. late: 0 ( 0% )  
720-739 (Sep-2008)
720-739 (May-2008)
740-759 (Oct-2007)
 
Principal balance: $4,748.25 1+ mo. late: 0 ( 0% )
Total payments billed: 41  
Description
Make interest rather than Visa!
Purpose of loan:
This loan will be used to pay off my a visa credit card, it consolidate a prosper loan and as a down payment on an engagement ring!? I would rather have a fixed account than a revolving one and help see individuals prosper rather than a company.

My financial situation:
I am a good candidate for this loan because?I have an impeccable payment history with Visa, Prosper (I have one loan), all creditors.? My financial picture is:

Total Monthly Net Income Net: 4970.00

Paid by my employer, biweekly: 2485.00

Total Monthly Gross Expenses: 3510.00

Car Payment: 580.00
Insurance: 100.00
Child Support: 450.00 (ends in January 2011)
Prosper: 300.00 (will be paid off)
Gas, utilities and food: 800.00
Internet and phone: 130.00
Rent: 1050.00
Visa: 130.00

If funded, please know I hope to pay off this loan early by making additional payments to it.? Thank you for consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.05% Starting borrower rate/APR: 18.05% / 20.26% Starting monthly payment: $723.55
 
Auction yield range: 17.04% - 17.05% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1998 Debt/Income ratio: 48%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:3y 8m
Credit score: 720-739 (Feb-2010) Total credit lines: 17 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $29,435Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: agreement-topper Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off all consumer debts through consolidation at a lower interest rate.

My financial situation:
I am a good candidate for this loan because? I have a very good credit score?and have proven to be financially responsible throughout my borrowing. I believe that I can improve my credit score if I can receive this loan to pay off my debt sooner. As you can see from my gross yearly income I am well qualified to pay back my loan without default. I am very pleased to discover an organization like this that allows responsible working people a way out of debt due to this terrible recessionary climate we are currently in. I would like to thank?you in advance for your kind consideration of my application for this loan. My wife has been very encouraging to me in supporting any efforts that I research to find in helping us to resolve our financial situation without hindering it. Again I cannot overemphasize how much I feel that you are a godsend in providing me with this tool to make my money work even harder for me. With this loan I can pay off all debts and possibly take that long overdue vacation?that a stress free life would afford. My ultimate goal in life is to become financially independent, Prosper.com can help my wife and I to reach our ultimate goal. I would be remiss not to mention that my wife owns her own two businesses that can add supplemental income to my efforts to pay back this loan even sooner. I hope that this description of my goals and efforts to qualify for this loan from a reliable lender would convince them of my desires.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 27.50% Starting borrower rate/APR: 28.50% / 30.86% Starting monthly payment: $1,040.85
 
Auction yield range: 17.04% - 27.50% Estimated loss impact: 36.10%  
Lender servicing fee: 1.00% Estimated return: -8.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2004 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:5y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 8 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $1,543Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pound-mechanic Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New deck, and home improvements
Purpose of loan:
This loan will be used to?? Put in a new deck as well as other home improvements. Also to consolidate some credit cards?to fix credit score.

My financial situation:
I am a good candidate for this loan because?? Live well withen my means, spend money wisely, and have good steady income.

Monthly net income: $
5,800
Monthly expenses: $
??Housing: $ 2,250
??Insurance: $ 50
??Car expenses: $ 220
??Utilities: $?120
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $198.80
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2002 Debt/Income ratio: 60%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 7Length of status:9y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,941Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ODAT Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? close out 3 credit cards
My financial situation:
I am a good candidate for this loan because?
have never missed a payment since getting credit
Monthly net income: $
1100.00 average
Monthly expenses: $
??Housing: $?0? (part of?salary)
??Car Insurance: $?395.75 every 6 months (full coverage)
??Car expenses:?$2-400.00 a year
??Utilities: $ 0?? (included w/ housing)
??Phone, cable, internet: $ 0? (inclusive)
??Food, entertainment: $ 60.00 a wk
??Clothing, household expenses $ 2-300.00 a year
??Credit cards and other loans: $ 13,000.00
??Other expenses: $?600.00 a year (2 x 1wks vacation)????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $30.94
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2005 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:0y 7m
Credit score: 760-779 (Feb-2010) Total credit lines: 3Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: immaculate-currency 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
Student who needs a little help
Purpose of loan:
This loan is to build credit. With the increasing importance of a good credit score, and rising challenges in getting out of bad credit, I wish to further boost mine. I will be leaving ten months worth of payments in the account to help?assure repayment. I am a full-time student at
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:6y 10m
Credit score: 700-719 (Mar-2010) Total credit lines: 32 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $12,514Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: phenomenal-value5 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to pay off my credit cards?by creating one easy payment.

My financial situation:
I am a good candidate for this loan because I am currently serving in the military until at least October 2013 (which will give me guarunteed income for the next 3 1/2 years) and i've?never had a single late loan or credit card payment.?

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1038
??Insurance: $ 112
??Car expenses: $ 547
??Utilities: $ 125
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1150
? Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $874.64
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1994 Debt/Income ratio: 75%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 8Length of status:18y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $48,221Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dinero-embrace 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 Dpwn Credit Cards
Purpose of loan:
This loan will be used to? to pay down credit cards. I got into a?little mess renovating my 3 rental properties. That said,?I?have never missed, been late or made a partial payment on any accounts. The 20,000 would allow for me to finish my renovating and get these properties rented out again.

My financial situation: I am a good candidate for this loan because???I am a mental therapist who has worked with the Cancer, AIDS and Addictions communities for the last two decades. I currently own 4 homes {2 outright and 1 with only 17,000 left on the mortgage.} My IRA has about 60 K in it. I have the money, I'm just not liquid. Up until 2 years ago my credit rating {FICO} was 810 plus. I am a solid investment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $137.31
 
Auction yield range: 11.04% - 23.00% Estimated loss impact: 10.56%  
Lender servicing fee: 1.00% Estimated return: 12.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2007 Debt/Income ratio: 10%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 3Length of status:2y 7m
Credit score: 700-719 (Mar-2010) Total credit lines: 5 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $229Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: awe-inspiring-duty7 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
take parents for a dream vacation
Purpose of loan:
This loan will be used to give my parents a? west-coast trip during their stay in U.S.

My financial situation:
I am a good candidate for this loan because I am a currently Ph.D student with graduate research assistantshipgraduate for about $22000 per year.

Monthly net income: $ 2300

Monthly expenses: $ 1100
??Housing: $ 400
??Insurance: $ 60
??Car expenses: $ 100
??Utilities: $ 60
??Phone, cable, internet: $ 50
??Food, entertainment: $ 400
??Clothing, household expenses $ 30
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,550.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $145.49
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1988 Debt/Income ratio: 7%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:23y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 47 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $64,567Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 29    
Screen name: Eric2007 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 19 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,100.00< mo. late: 0 ( 0% )  
720-739 (May-2008)
760-779 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Pay off credit card
Purpose of loan:
To pay off a single credit card account.? We had our transmission go out and it cost 4,500 to fix. I'll I had to pay this with was a credit card. This last month they raised by interest rate by 4 % so I'd like to get a better rate and also payoff this loan in three years. />
My financial situation:
I have a good credit rating and have had a good professional job for 18 years.? I own my home and my vehicles.

My monthly budget:
Mortgage/rent: $2200
Insurance: $250
Car expenses: $200
Utilities: $220
Phone, cable, internet: $350
Food, entertainment: $1000
Clothing, household expenses $300
Credit cards and other loan payments: $100
Other expenses: $300
---------------------------------------
Total monthly expenses: $4,920
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 31.34% Starting monthly payment: $41.03
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 14%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 6Length of status:3y 2m
Credit score: 700-719 (Mar-2010) Total credit lines: 33 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $1,677Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: drummer169 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
for paying bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2009 Debt/Income ratio: 12%
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:0y 10m
Credit score: 640-659 (Mar-2010) Total credit lines: 2 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fairness-tempo 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
Buying Modular Home
Purpose of loan:
This loan will be used to? Buy a modular home for my family. Our lease is up for our apartment at the end of this month.

My financial situation:
I am a good candidate for this loan because? I have an average credit score of 711, I pay my bills and rent. I work full time and so does my boyfriend who lives with me. We together make enough to cover all bills and rent and any other payments.

Monthly net income: $ 1750 for myself $2,200 for my boyfriend = 3950 together

Monthly expenses: $
??Housing: $ 585 for current apartment $460 a month once we move
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 155
??Food, entertainment: $ 100
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 250 left on balance
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $272.20
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1989 Debt/Income ratio: 24%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:18y 9m
Credit score: 820-839 (Mar-2010) Total credit lines: 17Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $273 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: merciful-wampum8 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
Remodel Bath and Kitchen
Purpose of loan:
This loan will be used to? Remodel kitchen and bath in my daughters home.? I currently live by myself, but will be moving in with my daughter and her husband. My daughter has some ongoing health issues that have left her disabled and we thought it would be good for both of us if I moved in with them.? Before I do move I wanted to help them with remodeling their kitchen with new cabinets, appliances countertops and flooring. Their bathroom needs to be updated with a new tub which we want to made handicap accessible for my daughter and put in a stall shower and a heated ceramic floor, new sink and faucets.
My financial situation:
As you can see by my credit score I take pride in keeping my bills current and pay any credit card that I use in full each month. I feel I would be a good risk for anyone that would like to bid on my listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.99% Starting borrower rate/APR: 25.99% / 28.31% Starting monthly payment: $80.57
 
Auction yield range: 8.04% - 24.99% Estimated loss impact: 7.10%  
Lender servicing fee: 1.00% Estimated return: 17.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1998 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 11Length of status:0y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 25 Occupation: Computer Programmer
Now delinquent: 1 Revolving credit balance: $48,153Stated income:$100,000+
Amount delinquent: $1,966 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Colorado-Geek Borrower's state: Colorado 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
Bring Mortgage Current
Purpose: Bring my 1 month delinquent mortgage into good standing.
Delinquency: The 1 delinquency listed is my mortgage.?It isn't that we are in a financial crisis, just missed a payment while my company was pulling money from my pay for?a pay advance I took to support my move for this job.?We have kept all of our other credit and bills current.?I work overseas as a defense contractor, hence the rent and a mortgage.
Repayment: Once my pay advance is done in April I will have an additional $1250 a month to keep the mortgage current and repay this loan. Any lender groups interested I can do proof of income and proof of service for any vets out there. I have a security clearance that depends on financial stability, so I will not risk my job over not paying this loan.
Net Income: $9400
Me: $7200
Wife: $2200
Expenses: $9205 (down to $7955 in April)
Mortgage $2385 (family still living there)
Rent for Overseas Job $1600
Credit Cards $1400 (yes, this is very high and we going to consolidate these next)
Cars $680
Home/Auto Insurance $115
Gas/Groceries/Dog Food/Entertainment $1300
Utilities (both places) $475
Pay Advance $1250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449091
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $408.80
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1998 Debt/Income ratio: 17%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:8y 8m
Credit score: 680-699 (Mar-2010) Total credit lines: 40 Occupation: Fireman
Now delinquent: 1 Revolving credit balance: $2,382Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 27    
Screen name: dedication-position9 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Please Help my Family
Purpose of loan:
This loan will be used to?
Hello all. My family and I will be using this loan to consolidate our credit card debt and provide a secure financial future for our son.
My financial situation:
I am a good candidate for this loan because?
My family and I have currently $11,000 in credit card debt. The on going financial crisis in this county has forced my credit card companies to raise my interest rates to 30%. We are looking fir any help we can get. 5 years ago i had a successful real estate enterprise with 6 renal houses. With the burst of the realestate bubble, my houses lost 50% of their value. At the same time several of my tenants moved out. I was forced into bankruptcy and currently cannot obtain traditional lending to consolidate my loans. I was very lucky to keep my current residence. My wife and I make good money, approx $93000 a year. We want to be able to pay off our credit card debt and provide a secure future for our 2 year old son. Please don't let the past bankruptcy skew your decision. Repayment will not be a problem. I will be a new start for us and an opportunity to get a head in life again. Thank you for this opportunity and your consideration.
Monthly net income: $
Me the borrower - 4000
My wife - 3750
Monthly expenses: $
??Housing: $ 1337
??Insurance: $ 150
??Car expenses: $459
??Utilities: $ 150
??Phone, cable, internet: $80
??Food, entertainment: $?700??
? Clothing, household expenses $200
??Credit cards and other loans: $ 700
??Other expenses: $ 200
Please note, this is both me and my wife's income and bill summary.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $509.78
 
Auction yield range: 11.04% - 15.00% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2000 Debt/Income ratio: 15%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 12Length of status:4y 0m
Credit score: 660-679 (Mar-2010) Total credit lines: 23 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $53,618Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: highgear 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: 3 ( 100% ) 660-679 (Latest)
Principal borrowed: $14,500.00< mo. late: 0 ( 0% )  
700-719 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 3  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt

My financial situation:
I am a good candidate for this loan because I have always payed my bills on time.? Not sure why exactly Prosper has my credit score so low.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1980 Debt/Income ratio: 26%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 24 / 17Length of status:21y 9m
Credit score: 640-659 (Feb-2010) Total credit lines: 59 Occupation: Civil Service
Now delinquent: 3 Revolving credit balance: $9,402Stated income:$50,000-$74,999
Amount delinquent: $166 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 33    
Screen name: kmb587 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 44 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
640-659 (Jan-2010)
640-659 (Dec-2009)
640-659 (Nov-2009)
680-699 (Aug-2008)
 
Principal balance: $1,818.58 1+ mo. late: 0 ( 0% )
Total payments billed: 44  
Description
NOT AN HR RATING! PLEASE HELP!
Purpose of loan:
This is my last chance! I tried to get a loan several times with no help.? I had some fraudulent activity on my bank account. ( That is now resolved thank goodness) However, during that time I tried to get a loan from prosper with no success and had to get some payday loans.? Now those payday loans are breaking me.? This amount would get rid of my payday loans and help me keep paying everything else on time.? I am close to falling behind because of the payday loans.? I paid 1 prosper loan off 9 months early and have never been late or missed a payment on the other one.? My rating was a B on my last loan and paying off the 1st loan early I thought would help, but now they lowered me to an HR rating which I don't understand.? Please help me to get back on track and get rid of these payday loans.? I don't want to fall behind on anything especially not my mortgage or my prosper loan.
My financial situation:
I have been at my current job for over 21 years and it is very secure.?I am a 911 dispatch supervisor, answering calls and dispatching both police and fire runs.
Monthly net income: $ 2900
Monthly expenses: $
??Housing: $ 1068
??Insurance: $ 106
??Car expenses: $
??Utilities: $ 110
??Phone, cable, internet: $ 155
??Food, entertainment: $?50
??Clothing, household expenses $?
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449127
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $99.70
 
Auction yield range: 11.04% - 11.04% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2004 Debt/Income ratio: 20%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:2y 3m
Credit score: 660-679 (Mar-2010) Total credit lines: 3 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $2,592Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: responsibility-percolator 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
consolidation
Purpose of loan:
This loan will be used to consolidate bills

My financial situation:
I am a good candidate for this loan because I?have an excellent payment history.

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 449133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 21.93% Starting borrower rate/APR: 22.93% / 25.21% Starting monthly payment: $522.09
 
Auction yield range: 8.04% - 21.93% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1985 Debt/Income ratio: 52%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 33 / 32Length of status:21y 1m
Credit score: 760-779 (Mar-2010) Total credit lines: 56 Occupation: Nurse (LPN)
Now delinquent: 0 Revolving credit balance: $28,470Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: community-shepherd4 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
new car
Purpose of loan:
This loan will be used to? buy a car from a private party

My financial situation:
I am a good candidate for this loan because?I pay every bill on time and never miss a payment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449151
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,825.00 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: $489.68
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1995 Debt/Income ratio: 7%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 1Length of status:3y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 11 Occupation: Engineer - Mechanic...
Now delinquent: 2 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: Peaceful-Warrior Borrower's state: NewHampshire 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
Reduced Payments = Reduced Stress
Loan Purpose:
I?m single person, out of a long term relationship, starting over. Furniture and other miscellaneous expenses put it on my AmEx and they require payment in full each month. I have been rolling over the debt and lowering the balance, never late $0 revolving credit. (on time with all payment, except when I was unemployed in 2006)

I found myself needing to get serious car repairs: Wheel Bearings, Brakes, Clutch, Transmission Work, Tires, and more. Runs great now, but I had to use AmEx. I need the car to get to work and now with a much higher balance I can?t role the debt over. (own the car)

Prosper makes me seem like a risky investment (HR), but there is more to people than ratings. This loan will end revolving debt, reduce payments, save money, rebuild credit, reduce stress and help me sleep at night. With your help I will succeed. Debt free in 3 years. Thank you for your help. It will be worth it for you! Have questions? Please ask.

I?m Worth the Risk / Financial Situation: $2240 to pay loan
I have been in a good job for the past 3+ years with a stable company. Paying off AmEx leaves me the money for the loan: $4300 income - $2060 expenses = $2240 expendable. DTI = 7%

As an Eagle Scout I learned personal responsibility. I am responsible for borrowing this money as well as paying it back.

In 2006 I lost my job due to a plant closure. Credit cards were low priority. Once employed again, I worked with the creditors; 2 offered settlements and the 3rd a payment plan, back on track for the past few years. Applying to my CU I found errors in my credit report: still shows 2 now delinquent and $0 delinquent. I am in the long process of making the corrections. Finding Prosper, I would rather pay real people (people helping people). I used to have 720+ credit and I want that again. Repaying this loan will definitely reprove my credit worthiness.

Monthly Net Income: $4300
Monthly expenses: $2060
Housing, all utilities: $830
Gas, Car Insurance: $380
Food, entertainment, household: $545
Other: $305 (payment plan)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449157
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 23.50% Starting borrower rate/APR: 24.50% / 27.06% Starting monthly payment: $59.24
 
Auction yield range: 11.04% - 23.50% Estimated loss impact: 10.58%  
Lender servicing fee: 1.00% Estimated return: 12.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2002 Debt/Income ratio: 34%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 3Length of status:0y 7m
Credit score: 640-659 (Mar-2010) Total credit lines: 14 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $3,949Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: guysiren87 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,700.00< mo. late: 0 ( 0% )  
600-619 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Paying off card before backinterest
I purchased a laptop for school on a Newegg credit account, there was no intrest for a year. Sadly, i have only been paying the minimum. I need to pay off the rest by May 1st 2010 of the account or will get charged over $400 in differed interest.

$1448.35 Newegg Credit Account

$50 prosper fee's


I am a part time student and a part time retail worker. I am living with family and have little expenses.

I have never missed or been late for a payment, i have always payed off my debt, I just want to speed up the process.

Monthly Expenses:

Housing: $0

Utilities: $0

Car Insurance: $0

Car Payment: $0

Gas: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449167
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $73.31
 
Auction yield range: 17.04% - 18.00% Estimated loss impact: 26.00%  
Lender servicing fee: 1.00% Estimated return: -8.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2007 Debt/Income ratio: 14%
Basic (1-10): 2 Inquiries last 6m: 10Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:1y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 3 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $349Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: exponential-exchange2 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
4039954106445245
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 449169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $96.77
 
Auction yield range: 14.04% - 22.00% Estimated loss impact: 14.99%  
Lender servicing fee: 1.00% Estimated return: 7.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1997 Debt/Income ratio: 35%
Basic (1-10): 6 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 7Length of status:14y 1m
Credit score: 660-679 (Mar-2010) Total credit lines: 38 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $9,971Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: thorough-gold9 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a economy car
Purpose of loan:
This loan will be used to purchase an older model economy car. Probably a Honda Civic. I am a good candidate for this loan because I consistently pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $344.98
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1991 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:2y 2m
Credit score: 760-779 (Mar-2010) Total credit lines: 29Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $27,121 
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: loot-mason9 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
remodeling home
Purpose of loan:
This loan will be used to fix my house up.? I would like to remodel the inside and to landscape the outside. Living in Arizona after 50+ years in wyoming is new and want to do what I can to make it OUR home.

My financial situation:
I am a good candidate for this loan because I am retired from the military after serving over 38 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2000 Debt/Income ratio: 35%
Basic (1-10): 5 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 22 / 20Length of status:0y 10m
Credit score: 640-659 (Mar-2010) Total credit lines: 36 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $24,609Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: JPK-Financial 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
Looking to consolidate credit debt
Purpose of loan:
This loan will be used to? help pay down some of my credit card balances.? Citibank was kind enough to raise my interest rates to 29% and now my monthly payments barely nick the surface

My financial situation:
I am a good candidate for this loan because? i used my credit cards to support myself while I was in college and now that I have a good paying and secure job, I am trying to get this debt paid off.? I'm starting off with a small amount to prove that I am a worthy borrower and I will overpay each month to ensure loan ends early.? I don't really have any debt other than my credit cards so timely payments will not be a problem.? Please help me get rid of this horrible interest rate being charged by Citibank.? Thanks and feel free to ask any questions

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 70
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 650
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $170.96
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 11%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:5y 11m
Credit score: 740-759 (Mar-2010) Total credit lines: 20 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $299Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 13    
Screen name: ingenious-affluence2 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
new siding on house
Purpose of loan:
This loan will be used to help on some needed update on my home

My financial situation:
I am a good candidate for this loan because i`m a home owner for over 8 years and never been late on a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $117.20
 
Auction yield range: 8.04% - 22.68% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2000 Debt/Income ratio: 556%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:1y 7m
Credit score: 700-719 (Mar-2010) Total credit lines: 13 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $37,204Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ideal-compassion Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt
Purpose of loan:
I am 23 years old and currently have an American Express card that is linked to my mother's account. I want to use this loan to payoff the credit card because: 1) it has a fairly high interest rate and 2) I am getting married in a month and want to have my strings cut from the family so I don't owe them any money. With the wedding, there has been a lot of unexpected financial burdens. I work hard to pay my bills, but with multiple cards and student loans it has become increasingly difficult to keep track of what is coming and going. I love the idea of Prosper and would REALLY appreciate it if people could help me!

My financial situation:
My fiance and I have very solid careers (we are both teachers) and have our Masters degree in education. With the wedding coming up, we are pinching pennies like crazy! The money that you can possibly lend me would help me in ways that are unexplainable! Thank you!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449199
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 15.04% Starting borrower rate/APR: 16.04% / 18.22% Starting monthly payment: $263.83
 
Auction yield range: 4.04% - 15.04% Estimated loss impact: 2.16%  
Lender servicing fee: 1.00% Estimated return: 12.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1993 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 12Length of status:0y 11m
Credit score: 780-799 (Feb-2010) Total credit lines: 56 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $61,512Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: KYBBC Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
"office build out"
Purpose of loan is to pay down debt incurred from moving my practice to where it is now.? This will include lines of credit and individual equipment items I purchased to open my new office.

My financial situation:
I am a good candidate for this loan because?I have never been late and my credit score shows this.? I have a high income that allows me to pay down debt fast and will have the payments automatically taken out of my checking account.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1995 Debt/Income ratio: 82%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 22 / 22Length of status:0y 11m
Credit score: 640-659 (Mar-2010) Total credit lines: 36Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $24,103 
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: deal-boomerang6 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
Pay off as many credit cards as pos
Purpose of loan:
This loan will be used to?I have numerous credit card debt.??I will pay the the highest rate off first and having some breathing room will be able to jump on the others?

My financial situation:
I am a good candidate for this loan because? If you check? out my credit score you will see I am never late on any card.? I moved recently to a much smaller place to keep my utilities at a more reasonable cost.? I am able to receive? unemployment benefits for another 5 months and that is the reason I am able to hold my head above water.? I did not leave my last job,Jan.1998 thru Mar 31, 2009 -the job left me -the business closed. I earn babysitting? and dog sitting money on occasion and use it for groceries.

Monthly net income: $
SS--$1791.00--Retirement from another employer $255.00, unemployment-$1000.00.? All figures per month.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 449209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $129.07
 
Auction yield range: 6.04% - 9.00% Estimated loss impact: 5.14%  
Lender servicing fee: 1.00% Estimated return: 3.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2003 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 12Length of status:2y 7m
Credit score: 740-759 (Mar-2010) Total credit lines: 19 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $4,564Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: famous-bid8 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to??
Pay off credit cards with a high interest rate; recently the interest rates for the cards I carry a balance on, went up 400%.
My financial situation:
I am a good candidate for this loan because?
My income is steady and secure, my past credit history is great.? I am payed bymonthly and work for a University Hospital.? I have national credentials which provide me with job security in a tough economy.? I do not use credit cards to live off of, my income is sufficient and my cards have been cut up in order to become debt free.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 27%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 19 / 15Length of status:8y 11m
Credit score: 660-679 (Feb-2010) Total credit lines: 47 Occupation: Nurse (RN)
Now delinquent: 4 Revolving credit balance: $145,294Stated income:$100,000+
Amount delinquent: $46,822 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: builder83 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 of credit cards and debt
Purpose of loan:
This loan will be used to? really to pay down the lesser of the 4 credit cards and create reserve in the bank. This loan is needed to keep me and wife afloat as the downturn in the economy continues. My wife and I are having a child next year. We?have been so fortunate to successul the last 4 years in the realestate market being able to buy?2 rental properties in the bay area?and our primary residence at the sametime. Not to mention, we? got married last year. If granted this loan, it?would not?just use it for anything. I would use it for?nessesities like property taxes,?food and?water, and transportation, and intellectually paying off credit card debt. I would also be?keeping a?considerable amout of?the?loan as a cushion in the bank?because I know that realestate is a game of longevity for which I plan to be a part of.

My financial situation:
I am a good candidate for this loan because? I have a profession. I have been a Pediatric ICU Nurse now for over?8 years at my primary place of employment. I also work another nursing?job just to keep comfortable. My Job does not rely on the up swings and downward swings of the market nor does my profession rely on sales and commision. I receive a 2 paychecks every 2 weeks, and I pay myself first before I pay my bills. I have a car loan and?1 mortgage. Please keep me in mind for the loan. Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $189.35
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 16Length of status:2y 6m
Credit score: 800-819 (Mar-2010) Total credit lines: 30 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $24,329Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: keen-economy4 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
Home Improvement
The loan will be used to upgrade a kitchen. My salary has been over $150,000 in each of the past three years. We intend a mid-range kitchen upgrade, and will likely sell the house within the next 2-3 years.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2000 Debt/Income ratio: 10%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:0y 7m
Credit score: 700-719 (Mar-2010) Total credit lines: 48 Occupation: Teacher
Now delinquent: 9 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $6,212 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 21    
Screen name: hope-celebration2 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
Fence, Shed and pay down principal
Purpose of loan:
This loan will be used?to put in a?small storage?shed, put?up a fence for our dogs and pay down the principal on our loan.?

My financial situation:
I am a good candidate for this loan because I have a?reliable job in?the teaching profession.? I have been a teacher for 10 years and I make enough money to pay back the loan and I have no other real debt at the moment.?

Monthly net income: $ 2,300.00????????

Monthly expenses: $
??Housing: $ 0.00????????????
??Insurance: $ 75.00
??Car expenses: $ 50.00
??Utilities: $?180.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.05% Starting borrower rate/APR: 18.05% / 20.26% Starting monthly payment: $72.35
 
Auction yield range: 17.04% - 17.05% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1981 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 7Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:1y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 4 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $487Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vault4 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay for college
Purpose of loan:
This loan will be used to help my school expenses.

My financial situation:
I am a good candidate for this loan because I always make my monthly payment and the money will go to good use.

Monthly net income: $
800
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 449233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2003 Debt/Income ratio: 16%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:2y 3m
Credit score: 660-679 (Mar-2010) Total credit lines: 16Stated income:$50,000-$74,999
Now delinquent: 6 Revolving credit balance: $400 
Amount delinquent: $14,105 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 11    
Screen name: Daisan Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
520-539 (Nov-2007)
500-519 (Oct-2006)
 
Principal balance: $619.77 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
63 perfect Prosper payments made!
Purpose of loan:
This loan will be used to? improve the value and enjoyability of my property by improving the existing well due to an unseasonably low water table. I paid for the initial costs to fix it up front, but additional work should be done to prevent this problem from happening in the future. I would just assume get it done now and avoid having this problem present itself again down the road.? I am retired from the military and this home is where I intend to live for the rest of my life.? I paid nearly $10K from my savings to buy and move to this home two months ago, so that is why my savings are unusually depleted.?

I am using Prosper to rebuild my credit after it was damaged many years ago mostly in relation to being a patient at Walter Reed Hospital for more than 3 years. My FICO score went from around 500 to over 660 in two years, but I am still listed as an "HR".?

My financial situation:
I am a good candidate for this loan because...my first Prosper loan is almost paid off and has never been late. My wife had a larger Prosper loan and that is fully paid.? In all, Prosper lenders have received 63 on-time payments between two loans so my track record is stellar. ? All my credit cards are paid in full each month or I carry a very small balance on occasion to show activity.? All my debts are faithfully paid every month without fail.? I've had the same bank account since 2003 to pay my bills via ACH.

The negative info on my profile is due to incorrect reporting, and my consumer litigation attorney handles that for me.? My creditworthiness is very important to me, and my guaranteed government (military) income more than covers the cost of this loan request.

I will say for the record that my income and assets exceed my liabilities, and my character and integrity dictate that this loan will be repaid in full if you choose to consider honoring my loan request. Thank you for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $256.19
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1998 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:4y 0m
Credit score: 820-839 (Mar-2010) Total credit lines: 29 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $20Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mutjin Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 26 ( 100% ) 820-839 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
800-819 (Jul-2009)
740-759 (Jun-2008)
780-799 (Mar-2008)
 
Principal balance: $4,109.01 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Pay off credit card
Purpose of loan:
I have one credit card that has a high interest around 13% and I want to save money by getting a lower interest using prosper.?

My financial situation:
I am a good candidate for this loan because I have never made a late payment in my life. (I'm?anal about my finances)?I make really good money as a programmer and director at a company.? I paid off 3 of my credit cards within 2 years thanks to low interest prosper loan.? I previously had a $5,000 loan from prosper and? I paid that off in 2 years and I have 1 loan currently with prosper but I haven't missed a payment.? It is directly taken out of my bank account.? I just need one more great loan from prosper and I'll be set to go.? This is my last credit card and i'll be debt free.? Thanks prosper!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449237
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2009 Debt/Income ratio: 61%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:1y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 2 Occupation: Student - College F...
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: searcher7 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 school
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 449239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 25.56% Starting borrower rate/APR: 26.56% / 28.89% Starting monthly payment: $1,014.74
 
Auction yield range: 8.04% - 25.56% Estimated loss impact: 9.11%  
Lender servicing fee: 1.00% Estimated return: 16.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 37%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 3m
Credit score: 780-799 (Mar-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 0 Revolving credit balance: $984Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-goal-bonus 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
Startup Cost for Business
Purpose of loan:
This loan will be used to invest in start-up costs for a Business in the area of Personal and Prosperity Development (a Multi-Billion-Dollar industry).

I will be making income right away, in a business model that will pay me first. This is with a Company that allows me to take advantage of the expertise of hundreds of others, duplicating proven systems. The business model, marketing approach and business support system that is provided for me will give me the opportunity to have the same success as leaders in a very short time frame.

My financial situation:
I am a good candidate for this loan because I have never missed a payment on my mortgage or my previous business loan (already paid off years ago). I also pay my credit card balances every month.? I budget well and always plan ahead.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $101.08
 
Auction yield range: 11.04% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1984 Debt/Income ratio: 11%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 11Length of status:22y 2m
Credit score: 700-719 (Mar-2010) Total credit lines: 44 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $4,760Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 13    
Screen name: euro-percolator 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 for son's school
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 449243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $311.99
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1992 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 18 / 16Length of status:30y 3m
Credit score: 720-739 (Mar-2010) Total credit lines: 42Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $8,519 
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wauktown62 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
700-719 (Jan-2010)
720-739 (Oct-2009)
700-719 (Aug-2009)
720-739 (Jul-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 7  
Description
Consolidating of debt
Purpose of loan:
This loan will be used to?To consoidate current debt?into one payment?

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

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 100????
??Utilities: $ 160
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449247
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $194.51
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: 21%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 5Length of status:11y 7m
Credit score: 640-659 (Mar-2010) Total credit lines: 13 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $676Stated income:$25,000-$49,999
Amount delinquent: $4,503 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 17    
Screen name: cosmos740 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: 18 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
640-659 (Jan-2010)
640-659 (Dec-2009)
640-659 (Nov-2009)
640-659 (Oct-2009)
 
Principal balance: $1,804.25 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Fix car & pay off previous Prosper
Purpose of loan:
This loan will be used to? fix my truck and pay off me previous Prosper loan.

My financial situation:
I am a good candidate for this loan because? I have a previous Prosper loan & have my payments directly debited from my checking account. I helped my son & his family get a house-and unfortunately he has been late on the house payments. That is why I am having a hard time getting a loan through any other source. Prosper has shown me that there are other resources to help people.

Monthly net income: $ 2200.00????

Monthly expenses: $ 1400.00
??Housing: $ 0
??Insurance: $150
??Car expenses: $200
??Utilities: $ 250
??Phone, cable, internet: $150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $91.64
 
Auction yield range: 17.04% - 18.00% Estimated loss impact: 19.00%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 18%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:0y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,795Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: virtuous-rupee 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
A chance for the Better :)
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 449255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 31.66% Starting borrower rate/APR: 32.66% / 35.08% Starting monthly payment: $219.61
 
Auction yield range: 14.04% - 31.66% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 16.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:8y 3m
Credit score: 680-699 (Mar-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,953Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ecstatic-hope5 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
Breast Augmentation
Purpose of loan:
This loan will be used to? provide myself with confidence that i have been lacking for years now due to?a previous breast augmentation I had. I?need to move my implants from under the muscle to over the muscle because I have a crease in one breast. After having my second Child I am in great need of a redo and would like to Start modeling again and test for Playboy.
My financial situation:
I am a good candidate for this loan because? I have the ability to pay off my loan with the income of my LLC. My credit score is low because of a strange medical bill from 10 years ago that I did not know about and cannot seem to settle even though I try to contact the debt collecting companies it moves from year to year. This loan will also help me with raising my credit score so that we can get a get a better rate on a home loan in the future.

Monthly net income: $ 12,000

Monthly expenses: $
??Housing: $ 3000
??Insurance: $ 120
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 140
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449257
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 9.58% Starting monthly payment: $311.06
 
Auction yield range: 6.04% - 6.50% Estimated loss impact: 5.09%  
Lender servicing fee: 1.00% Estimated return: 1.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1987 Debt/Income ratio: 75%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 16Length of status:11y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 33 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $52,756Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: seventhyr1 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
New roof
Purpose of loan:
This loan will be used to replace our old shake roof.

My financial situation:
I am a good candidate for this loan because I have established good credit and work hard at maintaining or improving my credit standing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449261
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1994 Debt/Income ratio: 29%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 9Length of status:14y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 29 Occupation: Military Enlisted
Now delinquent: 1 Revolving credit balance: $68,212Stated income:$50,000-$74,999
Amount delinquent: $188 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: vibrant-interest1 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
would like to purchase a used bike
Purpose of loan: This loan will be used to? purchase a used motorcycle

My financial situation: I am a good candidate for this loan because? I would really like to buy a used motorcycle. Everyone needs to have some fun. I am able to pay for this loan. If you look at my credit report it will tell you that I am in trouble, but I already have $250.00 a months going to a seperate checking account to pay for this loan. I am also getting a? car acident settlement at the end of the months so I may pay this off fast. If not I can still afford this loan payment. Thank you.

Monthly net income: $ 6042

Monthly expenses: $???
? Housing: $ 1982??
? Insurance: $?80??
? Car expenses: $ 340??
? Utilities: $ 200-300??
? Phone, cable, internet: $ 70??
? Food, entertainment: $ 300??
? Clothing, household expenses $???
? Credit cards and other loans: $ 342??
? Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449263
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $205.13
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 6%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:3y 8m
Credit score: 820-839 (Mar-2010) Total credit lines: 24 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $6,105Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: credit-symphony8 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit Cards
Purpose of loan:
This loan will be used to?pay off higher, variable rate credit cards. Allows me to stop giving money to big banks and be a part of regular people making some interest money. This loan will allow me to set-up a structured payment plan to eliminate our debt.

My financial situation:
I am a good candidate for this loan because?responsible and committed to seeing commitments through. I highly value protecting my credit profile as well.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1999 Debt/Income ratio: 24%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 13 / 7Length of status:10y 7m
Credit score: 640-659 (Feb-2010) Total credit lines: 38 Occupation: Computer Programmer
Now delinquent: 3 Revolving credit balance: $28,330Stated income:$25,000-$49,999
Amount delinquent: $21,222 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: coin-opera195 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Debts
Purpose of loan:
This loan will be used to pay off my credit cards and save my family some money.

My financial situation:
I am a good candidate for this loan because I'm a responsible father who pays his bills on time. All the negative information on my credit report has to do with my home modification that is almost completed. This loan will payoff four credit cards?with high intrest rates.?I currently pay about $300 in credit cards payment so I know I can handle?the payment.? Please help me clear my debt and save money.

Monthly net income: $ 2640

Monthly expenses: $
??Housing: $?750
??Insurance: $ 200
??Car expenses: $ 575
??Utilities: $ 300
??Phone, cable, internet: $?100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 325
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449267
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $519.98
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1988 Debt/Income ratio: 37%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 14Length of status:2y 11m
Credit score: 760-779 (Mar-2010) Total credit lines: 28 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $16,874Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nirvana541 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
Getting out of credit card maze
Purpose of loan:
This loan will be used to?pay off all of my high interest rate loans

My financial situation:
I am a good candidate for this loan because?I have secure employment and am very responsible in paying my bills on time. You can say it's almost a passion to be timely.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449269
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $61.87
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2003 Debt/Income ratio: 7%
Basic (1-10): 10 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:1y 7m
Credit score: 740-759 (Mar-2010) Total credit lines: 31 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $4,072Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dime-circuitry Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off debt
Purpose of loan:
This loan will be used to consolidate the balances on my Credit Cards

My financial situation:
I am a good candidate for this loan because my debt income ratio is low and good chances the loan will be pre payed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 8 / 8Length of status:11y 10m
Credit score: 700-719 (Mar-2010) Total credit lines: 16 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $134,665Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: principal-butterfly 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
Staffing and expansion
Purpose of loan:
My company serves a specific niche of the temporary housing market and a small amount of funding is needed to bring on additional personnel as we expand.

My financial situation:
My company has been open since 1998 and provides steady and reliable revenue.? I have additional personal income as well.

Of the listed amount under revolving debt, $99,000 of that is not credit card balances.? That number includes a home equity line.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449273
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1997 Debt/Income ratio: 20%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:3y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 3 Revolving credit balance: $1,038Stated income:$25,000-$49,999
Amount delinquent: $9,896 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: suzmash Borrower's state: Missouri Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,300.00< mo. late: 0 ( 0% )  
600-619 (Jul-2008)
 
Principal balance: $769.79 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Paying down debt
Purpose of loan:
This loan will be used to consolidate a few small bills. With this loan I will consolidate a few small bills, pay off a high interest rate credit card balance of $1158 and pay off a previous prosper loan.? Payments on my previous prosper loan have all been made on time.? On March 15th my car will paid off and will free up $300 a month to put towards paying this loan off quickly.? My desire is to go back to school part time in June to complete my Bachelor's Degree in Psychology/Counseling.? Consolidating my debt will decrease my outgoing expenses each month and make taking classes easier so that I can achieve my goal more quickly.
My financial situation:
I am a good candidate for this loan because I have a steady income and a history of paying my previous Prosper loan payments on time.
Monthly net income: $2,603.00

Monthly expenses: $ 1,600.00
??Housing: $?550.00
??Insurance: $?67.61
??Car expenses: $ 160.00
??Utilities: $?178.00
??Phone, cable, internet:?255.49
??Food, entertainment: $?160.00
??Clothing, household expenses $
??Credit cards and other loans: $?40.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449279
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 4.04% - 8.50% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1976 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 15Length of status:6y 0m
Credit score: 780-799 (Mar-2010) Total credit lines: 34 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $13,537Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: starry2001 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying down timeshare loan
Purpose of loan:
This loan will be used to?
Pay down my timeshare loan which is charging 11.5% -

My financial situation:
I am a good candidate for this loan because?
I pay my bills on time, I have a good full time job with a great company - see Fortune magazine March 8th issue - My credit rating is very high now as I strive to live within my means

Most of my discretionary spending is towards travel which explains the timeshare purchase?and?my monthly budget towards travel??
Monthly Expenses
Rent: $1100 including utilities
Cable & Internet $160 (Comcast!)
Food $500
Car (honda) $340
Timeshare loan $550 - this loan will pay down about 30%
Timeshare fees $250
Travel (airline/rental car etc) $250

total about $3200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,550.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.09% Starting borrower rate/APR: 26.09% / 28.59% Starting monthly payment: $62.52
 
Auction yield range: 11.04% - 25.09% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2005 Debt/Income ratio: 34%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:0y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,381Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ore-harmony Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my credit card!
Purpose of loan:
This loan will be used to pay off my credit card and a store charge account so that I can close them. I have been paying more than the minimum monthly payment on each every month, but Capital One recently hiked my interest rate from 4% to 29%. By consolidating both payments into one, I will be able to put more money into savings to eventually purchase a car outright.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time.?I work two different jobs year round, one as an accounts payable clerk and one as a merchandiser. Four months out of the year I am also a tax preparer. I also?have?additional consistent self-employment income, and?have been continuously employed by more than one company?for the past six years.?I am a very hard working person and I would like to get out of?debt as soon as possilbe!?

Monthly net income: $2000

Monthly expenses: $1100

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449291
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 5 / 4Length of status:5y 8m
Credit score: 640-659 (Mar-2010) Total credit lines: 29 Occupation: Attorney
Now delinquent: 4 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $742 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: progressive-bill1 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
high interest credit card debt
Purpose of loan:
This loan will be used to?pay off high interest credit card debt. ?

My financial situation:
I am a good candidate for this loan because? I have good monthly income and can repay ahead of schedule but will continue to accrue usurious interest in the time it takes to save the lump sum required to pay off my credit cards.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 750 ????
??Insurance: $ 150
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 180
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 600
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1981 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 19 / 11Length of status:15y 0m
Credit score: 680-699 (Mar-2010) Total credit lines: 41 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $32,898Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: reasonable-worth7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need to pay off pesky high rate cre
Purpose of loan:
This loan will be used to pay off a high interest credit card that increased dramatically in the past year although I've never been late with payments.

My financial situation:
I am a good candidate for this loan because I pay all my obligations on time monthly and am never late with payments.

Monthly net income: $ 4192.00

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 140.00
??Car expenses: $ 50
??Utilities: $ 40
??Phone, cable, internet: $ 60
??Food, entertainment: $ 160
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 600
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $173.33
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: 41%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 15Length of status:16y 8m
Credit score: 640-659 (Mar-2010) Total credit lines: 90 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $29,344Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: looking-forward 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
Eliminating credit cards
I plan to use this loan to pay off two high interest credit cards. I am a good candidate for this loan due to my job stability (17 years in the same profession and 10 years with my current company) and my personal gross income of $9,583.33?per month. I have never had a late payment on my credit bureau or any collection accounts. I do have the ability to payoff the cards but would rather not draw from savings or retirement accounts to do so.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $222.98
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2001 Debt/Income ratio: 34%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 5Length of status:4y 6m
Credit score: 640-659 (Feb-2010) Total credit lines: 45 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $13,392Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 8    
Screen name: credit-squirrel0 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
Military Officer Paying off Debt
Purpose of loan: Debt Consolidation of Non-Revolving Accounts
This debt consolidation loan will allow me to pay off this loan with a lower interest rate sooner?with more money in my pocket each month.


My financial situation:
I learned the Hardway about credit cards and paying on time in my college years. I have been on-time since I joined the Army.

I am a good candidate for this loan because I am through my college years; I am now an Officer in the US Army and also have a family to support. Getting this loan will enable me to support my family with much more ease. I am an honest and trustworthy candidate, I can validate my income, position, status, and gurantee that I will pay as agreed and never put my family or career in jeapordy.

Monthly net income: $ 6200

Monthly expenses: $ 4200
??Housing: $ 1000
??Insurance: $ 150
??Car expenses: $200 Fuel?
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $?600
??Clothing, household expenses $100
??Credit cards and other loans: $ 1500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1989 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 3Length of status:0y 5m
Credit score: 700-719 (Feb-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,832Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kind-proper-repayment Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cash Flow for Increasing Expansion
The loan will be used to assist funding for basic operating and business expenses for a very robust, thriving, and stable business. One our my companies stronger revenue streams comes from selling large Fiber connections to high profile Electronic Trading firms. These firms have large budgets and don't mind paying a premium for these connections and routes. The margins on the majority of our sales average between 20-50% and the average sale is $7,500.00. We have an extremely low operating cost and the funds would be used for expansion and marketing. Our projections show an increase in our productivity and revenues spiking up 20-30% this year. I was recently pursued by a Technology company who was a strategic partner and vendor of my former firm that I worked at. I finally decided to take them up on their attractive and lucrative offer. My position is V. P of Business Development and I have 20 years of experience in Finance and Technology verticals. I have also been offered equity in the firm. The long term plan is keep growing the business at this aggressive growth rate , keep gaining market share and high profile customers and eventually one of the larger carriers in our space will buy our business at 2-3 times current annual revenues. I am very strong candidate because I have solid credit, a track history of timely payments, low overhead, finical discipline, mature spending habits, and a focus on making the payments of this loan a monthly priority. I have Tax returns that show a average combined income of $120,000.00 + for 2008, and 2009. My targeted income that I have in my new position has me earning $150,000 in 2010. I plan on not just to be borrower on Prosper but an investor as well in the next 6 months. Additionally what is weighting my credit score down from the high 700's and low 800's is the amount open credit lines vs. active credit. I'm in the process of correcting these errors. But as we know this takes some time.

Net Income- $8,500.00 Salary and Commission's
Monthly Expenses-$1,850.00
Insurance Expenses$150.00
Phone / Cable-$100.00
Utilities-$80.00
Monthly Household Expenses-$500.00
Other Loans-$200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449311
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $324.46
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1989 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:5y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 35 Occupation: Doctor
Now delinquent: 0 Revolving credit balance: $35,533Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: new-successful-silver 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
To host a family reunion
Purpose of loan:
This loan will be used to host a family reunion.
My financial situation:
I am a good candidate for this loan because?I have a steady income and do not default on my commitments.? I have a credit score to protect.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,490.00 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: $338.82
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1985 Debt/Income ratio: 43%
Basic (1-10): 1 Inquiries last 6m: 12Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 6Length of status:1y 7m
Credit score: 640-659 (Mar-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $14,555Stated income:$50,000-$74,999
Amount delinquent: $3,420 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: reward-cello1 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
Settlement agreement with BOA
Purpose of loan:
This loan will be used to payoff settlement agreement with Bank of America.

My financial situation:
I am a good candidate for this loan because I have no payoffs on my credit and I have made payments without fail until I was unemployed in 2004.? I have been struggling to make amends and the BOA settlement is the last hurdle I need to cross.

Monthly net income: $ 4800

Monthly expenses: $
??Housing: $ 730
??Insurance: $ 100
??Car expenses: $ 650
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 75
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0 (not including the BOA account)
??Other expenses: $ 230 (motorcycle payment)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.06% Starting borrower rate/APR: 21.06% / 24.87% Starting monthly payment: $37.71
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1999 Debt/Income ratio: 8%
Basic (1-10): 9 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:9y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 12 Occupation: Car Dealer
Now delinquent: 0 Revolving credit balance: $14,290Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Dreyer Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

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 449317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1997 Debt/Income ratio: 23%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:5y 9m
Credit score: 660-679 (Mar-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,542Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: affluence-infusion 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 cards
Purpose of loan:
This loan will be used to? pay off my credit cards.?

My financial situation:
I am a good candidate for this loan because?I am able to make more than the minimum payments on the cards, it is just that the interst rate on my Discover card is horrible.? They charge me?$100.00 a month in interest and I am just not making any progress in paying it off.??If I were able to get a loan then at least it would be payed off and the amount reduced?quicker with a more realistic interest rate.? ?

Monthly net income: $ 1400.00

Monthly expenses: $
??Housing: $ 645.00????
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $?90.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 250.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 19.53% Starting borrower rate/APR: 20.53% / 22.77% Starting monthly payment: $149.74
 
Auction yield range: 8.04% - 19.53% Estimated loss impact: 6.66%  
Lender servicing fee: 1.00% Estimated return: 12.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1986 Debt/Income ratio: 5%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:6y 0m
Credit score: 820-839 (Feb-2010) Total credit lines: 18Stated income:$100,000+
Now delinquent: 0 Revolving credit balance: $6,639 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: top-visionary-ore 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
College Tuition Help For Son
Purpose of loan:
This loan will be used to assist son with financial assistance for college as his tuition rates have increased.?

My financial situation:
I am a good candidate for this loan because my credit is good and I have consistent / fixed income on a monthly basis to cover the monthly installment payments.? I was referred tp Prosper through a friend and decided to give this a try rather than go through a bank.? I like the idea of individual investor's making a profit rather than a large bank.?


undefinedundefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449321
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1979 Debt/Income ratio: 12%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:17y 6m
Credit score: 700-719 (Mar-2010) Total credit lines: 24 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $414Stated income:$25,000-$49,999
Amount delinquent: $521 Bankcard utilization: 23%  
Public records last 12m / 10y: 2/ 3 Homeownership: No  
Delinquencies in last 7y: 23    
Screen name: tvluck 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 20 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-619 (Dec-2009)
640-659 (Jun-2008)
640-659 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Debt Consolidation - Credit up 80!
Purpose of loan:
This loan will be used to help me?erase two high interest credit cards.?I currently work full-time with two part-time jobs and school. Needless to say it is tough. I am about?8 credits away from my A.A. My next stop will be Northwestern College in MN to pursue a psychology degree. The picture is of my dog Hans who is more attractive than myself! :)

My financial situation:
I have paid off two Prosper Loans to this point and have never missed a payment.?Prsoper has been great for me getting my stuff?in order. ?Thank you for considering to help me out. My credit has jumped 80 points already!!!!
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 449323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 12.93% Starting monthly payment: $31.98
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2007 Debt/Income ratio: 2%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:3y 6m
Credit score: 700-719 (Mar-2010) Total credit lines: 4 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $1,524Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 1/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: velocity-runner8 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
Family emergency
Purpose of loan:
This loan will be used to help my mother cope with the death of her brother, my uncle. She needs the money to help out with funeral services and other expenses.

My financial situation:
I am a good candidate for this loan because I am a very responsible individual. I will pay back this loan in about 2 months or less.

Monthly net income: $ 2,800

Monthly expenses: $?1,500
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449327
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1986 Debt/Income ratio: 38%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 7Length of status:4y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 34 Occupation: Civil Service
Now delinquent: 2 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $216 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: saxaphone7 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off multiple loans
Purpose of loan:
This loan will be used to? pay off multiple loans

My financial situation:
I am a good candidate for this loan because?I am making great money and have been with the same company for over 25 year. Retired Military and now a DOD Civilian, but am trying to consolidate my many?loans into one. I have never filed bankrupty due to it being immoral.? It was?and never will be an option for me.? I am active with my church and doing out reach ministries.
Monthly net income: $5500.00

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 300
??Car expenses: $300
??Utilities: $ 200
??Phone, cable, internet: $100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $1500?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 21.93% Starting borrower rate/APR: 22.93% / 25.21% Starting monthly payment: $522.09
 
Auction yield range: 8.04% - 21.93% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1980 Debt/Income ratio: 25%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:5y 2m
Credit score: 760-779 (Feb-2010) Total credit lines: 22Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $45,263 
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: friendly-dime5 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
Rehab of kitchen and bathroom
Purpose of loan:
This loan will be used to?? repair the kitchen and bathroom?of a rental property, damaged by a previous tenant.?I need to complete these repairs to be able to tenant the property and continue gaining income from?this property?as soon as possible.

My financial situation:
I am a good candidate for this loan because? I am a responsible borrower who makes timely payments.? I am a 68 year old retired woman?on a fixed income of?$5000 a month?and?I?am able to budget funds appropriately.? My?property is free and clear and when occupied provides $1250 a month?of additional income.? This is enough monthly income to support the loans repayment?on its own as well as provide?some cashflow.? I have explored equity loans/lines of credit and have found they require a minimum loan amount of $50k.? This amount is to much and more then I need.? I was referred to this site and?felt this arena may better suit my purposes.? Thank you in advance and I look forward to doing profitable business with you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 25.50% Starting borrower rate/APR: 26.50% / 28.83% Starting monthly payment: $567.80
 
Auction yield range: 8.04% - 25.50% Estimated loss impact: 6.81%  
Lender servicing fee: 1.00% Estimated return: 18.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:0y 9m
Credit score: 860-879 (Mar-2010) Total credit lines: 34 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $1,599Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: M_Squared-CEO 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
Loan to complete startup funding
Thank you for viewing our posting. We are seeking a loan for $14,000 to complete the initial funding stage of our project. As I have already invested a significant amount of my personal savings for this venture, I am seeking the support of the prosper. com community to help us complete the funding process.

Our company has secured a conditional letter of intent to fund 3/4 of our venture subject to an audit, financial forensic investigation and a CPA certification of our financial forecast. The amount of funding commitments that we have secured will enable us to roll our project in a scaled down version. Instead of opening 5 stores we will be able to open 3.With anticipated funding to close within 60 days of submitting a certified financial forecast, it is our top priority to repay this loan immediately upon receipt of VC funds.

Here is the loan allocation schedule:

Jr. Accountant @ $100/hr. x 20hrs = $2000 ( financial forensics and audit work)
CPA Partner @ $250/hr x 8 hrs = $2000 ( review/ revisions and certification)

Attorney Fees @ 250 x 10hrs = $2500 ( contract review and legal advise prior to signing)

Restaurant consultant fee $4500 (to help us with the food preparation process, equipment needs and sourcing)

Travel expense $1500 ( SF to NYC for final interview and presentation w/ investors)

Cash reserves $1500 ( For unanticipated expenses between now and funding)

Total = $14,000


My personal fiancials

Total monthly household income = $9,430
Personal Income = $5,000

Mortgage = $1,563 (fully amortized - total out standing balance $135,654 prop. val $412,000)
Community HOA - $150
Gas/Electricity - $75
Water - $40
Car Insurance - $150 ( all cars paid for)
phone cable internet = $99

Combined CC outstanding balance = $1346
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $256.19
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2006 Debt/Income ratio: 2%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:6y 6m
Credit score: 820-839 (Mar-2010) Total credit lines: 12 Occupation: Pharmacist
Now delinquent: 0 Revolving credit balance: $572Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: preeminant-bid2 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
kitchen
Purpose of loan:
This loan will be used for kitchen re-modelling.

My financial situation:
I am a good candidate for this loan because I have a steady job and good credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2000 Debt/Income ratio: 48%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 16 / 16Length of status:4y 8m
Credit score: 720-739 (Mar-2010) Total credit lines: 30 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $5,339Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: Decor08 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
Secured Loan Rental Property
Purpose of loan:
This loan will be used to?
Aquire another income property in Phoenix area
My financial situation:
I am a good candidate for this loan because?
?This house is owned by me free and clear. Closed 2-15-10 for 42,000.00 cash. Currently being renovated, new energy efficient windows, new tile in Hall bath and new shower in master bath, new carpet throughout, new pool filter ACV unit and furnace, approximately?$12,000.00 in improvements.?3 bedrooms two baths with a pool. Have a qualified tenant ready to move in at $875 per month. The house is in Phoenix. My credit score is artificially low because of a modification I got on my primary home and the banks and not lending on rental homes right now. I also own another home in phoenix I own free and clear worth approximately $65,000.00. There is a long term tenant paying $710.00 per month.?You could choose which one you'd like to borrow on but this house is worth more. Both are completely unencumbered.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,222.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $88.35
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1989 Debt/Income ratio: 7%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:13y 6m
Credit score: 620-639 (Mar-2010) Total credit lines: 56 Occupation: Professional
Now delinquent: 7 Revolving credit balance: $10,220Stated income:$75,000-$99,999
Amount delinquent: $10,303 Bankcard utilization: 126%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 32    
Screen name: christinamike 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: 35 ( 97% ) 620-639 (Latest)
Principal borrowed: $6,001.00< mo. late: 1 ( 3% )  
520-539 (Feb-2008)
520-539 (Dec-2007)
520-539 (Nov-2007)
600-619 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Part 2: Back on Track!!!!
Purpose of loan:
We already just PAID OFF in full a 6,000 Prosper loan in which we have made 36 on-time payments.?? My credit is listed as HR but that is just the credit cards.? We have been paying as agreed on 2 mortgages and 2 cars.? The high rate credit cards is what has killed us.

I want to use this second loan to make arrangements with credit cards that have gone bad and finish off as many .? We tried credit agencies to address this but cannot make satisfactory terms that work for us.? I would rather try to pay them directly and make arrangements that I know I can follow through on.??



My financial situation:
We have always had a lot of bills but paid on time.? However, last year some things arose that put us off track and forced us to be late.? We made arrangements with everyone and and have made all mortgage and car payments but have had trouble overcoming the late balances which forced us to stay behind.?? We want to live up to all obligations and have for the most part...but our score is ruined and no bank will talk to us.

Despite what you see on the computer, we are a stable family committed to doing the right thing and have had a ten year history of paying our bills except for a few bumps that we manage to correct.?? The credit score does not tell the picture for us.?

Monthly net income: $ $13,000 (between wife and I)
Monthly expenses: $
??Housing: $ 3,000
??Insurance: $ 350
??Car expenses: $ 800
??Utilities: $ 400
??Phone, cable, internet: $ 175
??Food, entertainment: $ 800
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 575 (want to pay off with prosper money)
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $113.12
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2003 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:1y 8m
Credit score: 640-659 (Feb-2010) Total credit lines: 17 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $23,084Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: paulrc Borrower's state: Connecticut Borrower's group: Apple User Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off part of my credit card
Purpose of loan:
This loan will be used to pay off my First Financial Bank USA credit card

My financial situation:
I am a good candidate for this loan because I have a steady job with a Software company in Connecticut. I got married in July of last year, and we pretty much put all of those expenses on my card. When the credit card laws were passed, the bank raised my interest rate to a whopping 24% for no reason whatsoever. Now I just want to pay it off as fast as I can. My credit rating is C, because when I moved to CT to start my job, I owned pretty much nothing and had to take out a bunch of loans and cards to buy furniture, appliances and a car. But be assured that we are not at all living beyond our means, and I will be able to pay back this loan. I have never been late on anything in my life.

Monthly net income: $4100 (myself) + $1000-$1200 (my wife - babysitting)

Monthly expenses: $4648
??Housing: $1400
??Insurance: $181
??Car expenses: $413
??Utilities: $150
Gym membership: $42
??Phone, cable, internet: $150
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $322 student loans + $190 my other credit card + $900 my current monthly payment for the First Financial Bank USA card (can fluctuate) = ~$1412
My wife's community college: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 22.94% Starting borrower rate/APR: 23.94% / 26.23% Starting monthly payment: $980.03
 
Auction yield range: 8.04% - 22.94% Estimated loss impact: 7.54%  
Lender servicing fee: 1.00% Estimated return: 15.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1990 Debt/Income ratio: 14%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:8y 1m
Credit score: 780-799 (Mar-2010) Total credit lines: 27 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $1,034Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: intrepid-value7 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
I need to buy a car for work
Purpose of loan:
This loan will be used to?finance another automobile.? I need to have a vehicle to use?for my work.? Since I?drive a lot for my job, I
really need a vehicle for business purposes.??I have the ability to put a substancial amount down, but the $25000 is to finance what I can't.? I have heard about this site from a friend and I am so grateful to have the opportunity to do this on my own.?
My financial situation:
I am a good candidate for this loan because? I have a nice credit history and have proven my ability to make payments consistently.? I wish I could just pay cash for the vehicle, but I just simply can't without your help.? If I have better transportation, I can do more brokering on my own and financially it will pay off in the end.

Thanks everyone!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449369
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,250.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $38.67
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1975 Debt/Income ratio: 99%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 19Length of status:21y 7m
Credit score: 740-759 (Mar-2010) Total credit lines: 86 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $10,529Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: rossmorgan Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto care
Purpose of loan:
This loan will be used to? pay off credits cards

My financial situation:
I am a good candidate for this loan because?? I am trying to get my bills in order. I apy my bills on time. I just was trying to help my children threw college and just charges to much on my credit cards.

Monthly net income: $ 18,000

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $119.28
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1991 Debt/Income ratio: 2%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:8y 2m
Credit score: 740-759 (Mar-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 1 Revolving credit balance: $451Stated income:$50,000-$74,999
Amount delinquent: $100 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bonus-bopbop-a-loobop 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
Screen Porch
Purpose of loan:
This loan will be used to?To construct screen porch?
My financial situation:
I am a good candidate for this loan because? My monthly income is 5,160.00. ?I have a very low debt to income ratio. I only have two debts one is the monthly mortgage $1,103 and the other is $23 a month payment to Dell for a laptop that I financed to help establish some history, I owe 423.00 on that account. I have worked for the same company for 8 yrs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $275.79
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1994 Debt/Income ratio: 25%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:11y 6m
Credit score: 780-799 (Mar-2010) Total credit lines: 16 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,048Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: SugarlandGirl Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing Auto
Purpose of loan:
This loan will be used refinance my auto loan with Wells Fargo.? I currently owe about $8,500 and the minimum monthly payment is $570.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time, have been with the same employer for 12 years, are currently paying a higher minimum payment than what this loan will be.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $61.87
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1988 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:0y 6m
Credit score: 740-759 (Mar-2010) Total credit lines: 24 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $7,876Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 25%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: towering-order 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
Needed to pay income tax....
Purpose of loan:
This loan will be used to pay the dreaded federal income tax for my family!

My financial situation:
I am a good candidate for this loan because I have a steady job (Educator) at a small private school in New England, and I have been in this business for 26 years. In addition, I am simply in need of this relatively small amount, but I do need it deposited in my account ASAP.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449395
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $288.37
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1991 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 9Length of status:10y 0m
Credit score: 660-679 (Mar-2010) Total credit lines: 22 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $230,188Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: pear1 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449399
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $119.67
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2003 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:1y 4m
Credit score: 740-759 (Mar-2010) Total credit lines: 14 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,386Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: useful-diversification3 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Expenses
Purpose of loan:
This loan will be used to help me pay the remainder of my wedding total.? We are getting married May 29th and need just a little bit more to help cover all of the?costs.? My fiance and I are paying for the entire wedding ourselves, and have been able to save for most of it -- just need a little help with the last portion.?

My financial situation:
I am a good candidate for this loan because I have good credit history.? My fiance and I both have good jobs and recently bought our first house.? We will be able to pay the money back easily?after the wedding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449401
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 26%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:13y 10m
Credit score: 660-679 (Mar-2010) Total credit lines: 32 Occupation: Computer Programmer
Now delinquent: 1 Revolving credit balance: $27,922Stated income:$75,000-$99,999
Amount delinquent: $927 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: economy-watcher148 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Down Debt
Purpose of loan:
This loan will be used to pay off credit cards and get out of debt faster.
My financial situation:
I am a good candidate for this loan because my credit score is good.
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 900
??Insurance: $
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449407
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 22.93% Starting borrower rate/APR: 23.93% / 26.22% Starting monthly payment: $979.90
 
Auction yield range: 8.04% - 22.93% Estimated loss impact: 7.54%  
Lender servicing fee: 1.00% Estimated return: 15.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: 32%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 13Length of status:0y 6m
Credit score: 780-799 (Mar-2010) Total credit lines: 20 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $3,213Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: loyalty-authority0 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Opportunity
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?i have great credit and i am looking to invest the money in a transportation business that is already in place and running.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.50% Starting borrower rate/APR: 14.50% / 18.16% Starting monthly payment: $34.42
 
Auction yield range: 8.04% - 13.50% Estimated loss impact: 6.80%  
Lender servicing fee: 1.00% Estimated return: 6.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 Debt/Income ratio: 20%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 19 / 17Length of status:17y 10m
Credit score: 660-679 (Feb-2010) Total credit lines: 40 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $77,643Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: upbeat-marketplace Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
680-699 (Oct-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Paying off Credit Card
Purpose of loan:
As stated on my last loan, I am trying to pay off the crooked banks that are yanking my rates around as well as changing my available credit (which affects my credit rating) withou ever missing a payment.? I have successfully paid off Advanta, which was the worst, got rid of two BOA, and am now trying to pay off my next highest one - Capital One.? I owe $4000 on this one at 17.99%.? It was originally at 8.99%.? I am just trying to attack one at a time and get out from underneath this burden from my house remodel.

I am not sure why prosper has me at a D, as I was a C on my last loan and paid that off within 6 months.

My financial situation:
I am a good candidate for this loan because I never miss a payment.? I also have a very good paying job in a necessary field, even in this economy.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $?150
??Car expenses: $ 0
??Utilities: $ 75
??Phone, cable, internet: $ 50
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $324.46
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1975 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:1y 0m
Credit score: 720-739 (Mar-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 0 Revolving credit balance: $53,967Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bazaar-balancer 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
Better rate to get rid of debt!
Purpose of loan:
We are a successful family looking to get a better rate to pay off a 28% credit card.? We had a couple of late payments several years back which sent the interest rate sky rocketing!? We have made payments on-time for the past two years but at such a high interest rate the principle is not?going down very fast!? We love the idea of paying interest to?"real people"?instead of just padding the bank's pocket (they have already made enough off us!).

My financial situation:
Have been a successful Bridge Engineer (Civil/Structural Engineer) for 10 years and have a steady, good income.? My chosen profession is in?NO danger due to hard economic times and for that we are very thankful!? We have owned a home for 8 years.

Thank you for your time and consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1992 Debt/Income ratio: 54%
Basic (1-10): 5 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 24 / 22Length of status:8y 3m
Credit score: 640-659 (Feb-2010) Total credit lines: 75 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $30,941Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benefit-blanket Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fertility Expenses
Purpose of loan:

This loan will be used to? help pay some of my fertility expenses.? I have been trying to have a baby for 6 years and my insurance does not cover anything.

My financial situation:

I am a good candidate for this loan because? I always pay my bills.? I am very conscious about my credit.? I am a paralegal for the Dept. of State so I do have a very secure job.? I have been?at that position for?over 8 years and before that I was a paralegal for 10 years at a local attorney's office.? I also?have a?part time job waitressing.??? My credit score is low because my debt to income ratio is high.? However, I make enough money to pay all my bills but I cannot claim my waitress money.? My fiance also lives with me and is a contractor.? We are more than able to pay the bills.?

Please help me finance some of my medical expenses so that I can afford my fertility expenses and medications.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449431
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.43% Starting borrower rate/APR: 27.43% / 29.77% Starting monthly payment: $164.23
 
Auction yield range: 17.04% - 26.43% Estimated loss impact: 19.53%  
Lender servicing fee: 1.00% Estimated return: 6.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: 51%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 11Length of status:2y 8m
Credit score: 680-699 (Mar-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,023Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: skau Borrower's state: NewJersey Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
660-679 (Aug-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
To pay medical bills
Purpose of loan:
This loan will be used to pay medical bills.

My financial situation:
I am a good candidate for this loan because I have a steady Job and I am paying all my bills in time. I borrowed from prosper in September 2009 and paid off that loan in February. This loan will be used for medical bills.

Monthly net income: $ 1750/- (approx)

Monthly expenses: $
??Housing: $ 0 (Paid by husband)
??Insurance: $ 61
??Car expenses: $ 276
??Utilities: $ 50
??Phone, cable, internet: $ 53
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 582
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449435
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 3 / 4Length of status:4y 8m
Credit score: 700-719 (Mar-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 1 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $876 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: determined-peace1 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
Web Hosting Servers
Purpose of loan:
This loan will be used to buy servers at hosting companies in order for me to complete my media buying this month on Facebook and Twitter

My financial situation:
I am a good candidate for this loan because not only is my credit score above 700, but the ratio of return to investment in my business is amazing. I am able to pay off this loan within 30 days

Monthly net income: $ 20,000. - 30,000

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 400.00
??Car expenses: $ 500.00
??Utilities: $ 45.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 2,500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 28.03% Starting borrower rate/APR: 29.03% / 31.39% Starting monthly payment: $314.42
 
Auction yield range: 14.04% - 28.03% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 12.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1998 Debt/Income ratio: 24%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:2y 6m
Credit score: 660-679 (Mar-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 0 Revolving credit balance: $16,333Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: phenomenal-bid Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Settling Debts Due to Divorce
Purpose of loan:
This loan will be used to?Settle Debts Due to Shared Accounts?During Marriage.? Recently Divorced and Trying to Consolidate Debt.?

My financial situation:
I am a good candidate for this loan because?The Payments will be automaticly withdrawn from my acocunt and I am of good moral character with solid career

Monthly net income: $ 3900

Monthly expenses: $
??Housing: $ 680
??Insurance: $ 110
??Car expenses: $ 360
??Utilities: $ 100
??Phone, cable, internet: $ 120
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 10000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $149.28
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 5%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:2y 5m
Credit score: 600-619 (Mar-2010) Total credit lines: 9 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $886Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 40%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wonderwall Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 95% ) 600-619 (Latest)
Principal borrowed: $1,200.00< mo. late: 1 ( 5% )  
520-539 (May-2008)
520-539 (Feb-2008)
520-539 (Jan-2008)
480-499 (Feb-2007)
 
Principal balance: $639.59 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
"New Baby Furniture"
Purpose of loan:
This loan will be used to purchase a?crib, changing table, and dresser for our new baby.?My employer paid a significant portion of my year-end bonus this winter in company stock, which vests over 4 years. Thus, the liquidity we thought we'd be getting to purchase these items is currently tied up in stock. We would like to avoid putting this amount on credit cards. By borrowing this money now for these items from Prosper, we would be paying off the loan in 3 years, just at the time the equity is vested.

My financial situation:
I am a good candidate for this loan because I have?cleared away the "bad debt" from the 2001?down market?where I lost my job. Since then I have been paying off debts and consistently increasing my income at a steady job in asset management. I have been with the same employer since 2007. We are?responsible couple and I am looking to continue the improving trend in my FICO?score to purchase a new house in the next?12-18 months.?

Monthly net income: $ 6,400 (net) - $10,416.67 (gross) + yr.-end bonus

Monthly expenses: $ 5697
??Housing: $ 2,400
??Insurance: $?145
??Car expenses: $ 332
??Utilities: $ 750
??Phone, cable, internet: $ 150
??Food, entertainment: $?1500
??Clothing, household expenses $75?
??Credit cards and other loans: $?345 (220?of which is?my wife's student loans)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $298.20
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1999 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:2y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,831Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: new-joyful-dough 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
Goal: Debt free in 2 yrs or less!
Purpose of loan:
To pay off debt aquired after seperation, divorce and relocation in 2007.

My financial situation:
I am a good candidate for this loan because over the past two years I have worked hard to restore my credit score and position my finances to pay off my debt

Monthly net income: $ 60,000

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 120
??Car expenses: $ 250
??Utilities: $ 225
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449459
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $505.41
 
Auction yield range: 11.04% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1984 Debt/Income ratio: 43%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 15Length of status:30y 9m
Credit score: 680-699 (Mar-2010) Total credit lines: 40 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $26,803Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: goodhearted-agreement8 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF LIFE ROBBING CREDIT CARD
Purpose of loan:
This loan will be used :? Over years of living above our means, we have accumulated an outrageous amount of credit card debt. No, I don't live like a queen, in fact, live rather frugal. Have paid for old cars, old clothes, old furniture..shop at thrift stores and my favorite "Aldi"? Just years of mismanagement have accumulated this debt. I have been paying them one by one, on time, for years. WITHOUT MAKING A DENT..The interest rates are too high and CC companies will not reduce them. I tried for a loan from my credit union at work..they rejected me, the bank said no, I want to start the "snowball" plan by Dave Ramsey ...but it would help if I had lower interest rates. ...OK, you will see that I have been using "Take Charge America"? they are a debt management company..THEY were able to reduce my rates. I have been paying them for almost 3 years?? They have saved my life...I have paid down a huge amount...but I am talking about other bills not on the plan..bills that I cannot add to this planl .I have a goal of 2 to 3 years... I want to be able to sleep at night w/o waking up thinking? "oh my God, I have so may bills"..yes, this is ALL my fault....I want to fix it!? Before I turn 56..my God, who has these bills at age 56...I work in an Emergency Room, same job 31 years...I should not be in this position!!! I am so ashamed of myself..I have let my husband and my family down because of my mistakes and mismanagement....I do see the light at the end of the tunnel, I am just setting up a plan. Thank you for reading my story,? I hope someone can help me...I do have a great work ethic, have many more "work years" to go.....I really want the stress of the bills gone? I want to be "DEBT FREE"....Thank you, E???





My financial situation:
I am a good candidate for this loan because? I have? good paying job as well as my husband...too much of our money goes to "finance" charges...yes, we should get a Home Equity, but want to do this w/o using the house... ??

Monthly net income: $ My income monthly 4,400 (net), some times 200.00 more with overtime/ husbands is 4,800.00

Monthly expenses: $ Everything including bills 7,2002? Housing: $ 1635.41
??Insurance: $ 248.00?? 73.00
??Car expenses: $ 400.00? gas
??Utilities: $ 400.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 3800?? this is ridiculous.... Other expenses: $ savings 300.00? Why ????? (emergencies)? Also am paying Parent Plus Loans at a rate of 512.00 per month..I am on a 10 year plan? I am going to consolidate these loans as the rate is 8% and I need to pay off CREDIT CARDS FIRST...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1999 Debt/Income ratio: 28%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:3y 8m
Credit score: 640-659 (Mar-2010) Total credit lines: 31 Occupation: Scientist
Now delinquent: 0 Revolving credit balance: $10,766Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: gold-corps9 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
Consolidate debt????
My financial situation:
Even though I have a lower credit?score due to a bankruptcy I had?3 years ago due to medical bills that I had,?I?have been current?on all of my loans since then as you can see from my?credit rating.? I have?made?more than the minimum payments each month since and I?just want to get my loan paid off quicker.? I work as a researcher for a local hospital doing genetic research and?as you can see below,?my wife and I have plenty of?cash at the end of the month to pay off our loans and?obligations.? I think this would make?us a great candidate?to loan to with a promise to payback the loan.? ?

Monthly net income: $
4100

Monthly expenses: $
??Housing: $ 700?
??Insurance: $?110
??Car expenses: $ 225?
??Utilities: $ -
??Phone, cable, internet: $?99
??Food, entertainment: $ 500
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 500?
??Medical Bills:?$ 120

Total: $2444 per month?so as you can see we still cover?our bills by a large margin.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $320.41
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1998 Debt/Income ratio: 27%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:5y 7m
Credit score: 680-699 (Mar-2010) Total credit lines: 30 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $15,656Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jkbehnke 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: 25 ( 96% ) 680-699 (Latest)
Principal borrowed: $10,000.00< mo. late: 1 ( 4% )  
620-639 (Sep-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Getting Married & Buying a Ring
Purpose of loan:
This loan will be a bridge loan to purchase my engagement ring for my beautiful girlfriend.? I will be able to pay off the loan balance within one year.?

My financial situation:
I am a good candidate for this loan because I have a steady income working as a quality engineer for a Military Contractor.? We have contracts in place for 5 years, and I am a valuable part of the team, so my job is not in jeopardy despite the economy.? I have a good credit rating.? Also, I have used prosper before sucessfully, paying back a 3 year loan 10 months early.?

Monthly net income: $ 4,358

Monthly expenses: $
??Housing: $ 810
??Insurance: $ 95
??Car expenses: $ 510
??Utilities: $ 65
??Phone, cable, internet: $ 190
??Food, entertainment: $ 300
??Clothing, household expenses $ 250
??Credit cards and other loans: $?800
??Other expenses: $ 400 (fuel & car maintenance)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,899.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $60.72
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1992 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 6Length of status:2y 5m
Credit score: 700-719 (Feb-2010) Total credit lines: 32 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $38,160Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Airmail26 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card
Purpose of loan:
This loan will be used to pay off a credit card that has been bogging me down.?
My Financial situation:
I am a good candidate for this loan because?I have had a job my whole life and have never missed a payment in my 34 years on this planet.? My wife and I make over $120K/year and would never jeopardize our lifestyle by missing a payment.? Thanks for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1985 Debt/Income ratio: 37%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 11Length of status:14y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 36 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $12,309Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: rupee-pilot6 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
first step on my way out of debt
Purpose of loan:
This loan will be used to eliminate a couple of credit cards at an extremely high interest rate

My financial situation:
I am a good candidate for this loan because I have a good income with a couple of bad decisions that have put me in a bind

Monthly net income: $ 2800

Monthly expenses: $ 2585
??Housing: $ 830
??Insurance: $ in loan
??Car expenses: $ 535
??Utilities: $ 100
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $263.94
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: 47%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 20 / 17Length of status:3y 2m
Credit score: 660-679 (Mar-2010) Total credit lines: 43 Occupation: Other
Now delinquent: 0 Revolving credit balance: $69,780Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thoughtful-trade542 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
pay off my credit cards. I am closing them and moving forward with a "cash in hand" payment policy versus using credit.
My financial situation:
I am a good candidate for this loan because? I have a good steady income. I have proven that?I can pay loans on time. I am looking to start fresh and move forward.

Monthly net income: $ 4,200.00

Monthly expenses: $
??Housing: $?695.00??Insurance: $
??Car expenses: $ 259.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 75.00, $80.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.38% Starting borrower rate/APR: 29.38% / 31.75% Starting monthly payment: $631.69
 
Auction yield range: 11.04% - 28.38% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 14 / 14Length of status:1y 8m
Credit score: 740-759 (Mar-2010) Total credit lines: 26 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $29,459Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: serene-vigilance1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? to pay off my credit cards that I used to pay for college and the expenses of commuting 3 hours one way
every week for the last 2.5 years. I turned 40 and said what am I waiting for..so I followed my dream and will take my national exam 8/18/10.

My financial situation:
I am a good candidate for this loan because? I am finishing college and taking my national exam to become a licensed midwife in the
state of Florida. I currently have classes, an internship and a part-time job. But once I graduate and become licensed I will join a practice
of midwives and I will contract with my local Healthy Start Coalition to open my own clinic for women that cannot afford prenatal care.
Thank you ~
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1988 Debt/Income ratio: 21%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:18y 10m
Credit score: 680-699 (Mar-2010) Total credit lines: 38 Occupation: Police Officer/Corr...
Now delinquent: 3 Revolving credit balance: $206Stated income:$50,000-$74,999
Amount delinquent: $16,686 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: thorough-platinum6 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Equipment Purchase
Purpose of loan:
This loan will be used to? Purchase additional equipment ( Amusement? machines for my vending business. My vending machines go in sports bars and do extremely well with the high traffic involved with those types of venues. By expanding my business I will be able to expand into other others and hopefully expand in the near future again.

My financial situation:
I am a good candidate for this loan because? My already established boxer amusement machine business is averaging daily between 25 and 35 hits per day and I have (7) machines. Yes, they do very well and this is early spring and most of the places I have my machines are in their down season. Most of these establishments will begin to receive big traffic starting in May thru January. So, I am already receiving a very decent business cash flow and with the higher end that will begin in little over a month. I will have absolutely " NO " problem making payments for the loan being asked for.

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 449509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 30.76% Starting borrower rate/APR: 31.76% / 34.16% Starting monthly payment: $130.26
 
Auction yield range: 14.04% - 30.76% Estimated loss impact: 15.41%  
Lender servicing fee: 1.00% Estimated return: 15.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1995 Debt/Income ratio: 199%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:4y 5m
Credit score: 640-659 (Mar-2010) Total credit lines: 11Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $7,826 
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: yield-boots2 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off medical bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $136.77
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1989 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 7Length of status:3y 2m
Credit score: 720-739 (Mar-2010) Total credit lines: 24 Occupation: Chemist
Now delinquent: 0 Revolving credit balance: $605Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 3 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: deal-shepherd9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off cards after divorce
Purpose of loan:
This loan will be used to?pay off divorce-credit card debt quickly.?

My financial situation:
I am a good candidate for this loan because?I am?employed in a stable field, and?since the divorce a year ago and?getting control of all of my finances, I have excellent credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $159.88
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2000 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:5y 11m
Credit score: 720-739 (Mar-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,969Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: transaction-hawk3 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
emergency expense fund
Purpose of loan:
This loan will be used to?
moving expenses for a new apartment location, emergency funds for my newborn son, living expenses for my extended maternity leave, as i will be returning to work asap upon doctors release
My financial situation:
I am a good candidate for this loan because? i have demonstrated ability to pay by paying off my car loan from silver state credit union, their interest on a personal loan, which is already approved, is too high in my opinion, so i`m shopping around for a good rate.., i have good credit history.., i am foreign culture filipina that believes in good work habits
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449545
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $159.88
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:5y 0m
Credit score: 780-799 (Feb-2010) Total credit lines: 4 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $112Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: rlchylton1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 97% ) 780-799 (Latest)
Principal borrowed: $3,500.00< mo. late: 1 ( 3% )  
780-799 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
Single Dad Making a Better Life

Hi, I am currently a single dad of?2 beautiful girls. Over the past 2 years I have devoted my time to make sure they are taken care of and mentally adjusting to having only one parent. I would like to purchase my first home in order to make a life for my children. I found a beautiful property perfect for my family that I am purchasing at an extremely good deal, however, there are major imporovments to be made. I would like this loan so that I can put some towards the closing costs and also work on the plumbing(major) and some minor repairs to make the home safe for us.


You can trust me with this loan because currently I take part ownership in a family business. I earn a steady income and have been for the past 4 years. I also had a prosper loan before which I re-paid faithfully.?I deffinetly have the credit worthiness, abilty and good faith to repay.

Thank you so much for looking at my lisiting.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.03% Starting borrower rate/APR: 16.03% / 18.21% Starting monthly payment: $879.30
 
Auction yield range: 6.04% - 15.03% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1984 Debt/Income ratio: 51%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 17Length of status:6y 5m
Credit score: 740-759 (Mar-2010) Total credit lines: 48 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $87,588Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: visionary-velocity2 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards, which will be closed upon successfully completing a loan with prosper.

My financial situation:
I am a good candidate for this loan because I have a good understanding of the consequences of poor credit decisions.? I have to much debt and some personal factors that created most of it that I'm working my way out of, and lowering my interest rate and paying down debt in a 3 year period would help get me on the right track again.? Past history is good, no lates on credit reports with paying unsecured debt. Income and employment history are both stable.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 323346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $271.14
 
Auction yield range: 11.04% - 17.00% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2001 Debt/Income ratio: 35%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 15Length of status:1y 0m
Credit score: 640-659 (Mar-2010) Total credit lines: 30 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $15,319Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sj1123 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 high interest credit card
Purpose of loan:
This loan will be used to pay off a high-interest rate credit card (29.99%).? My interest rate was arbitrarily increased from 12.04% to 29.99% due to "economic conditions".? I have never made a late payment in the 8 years I have had this card.

My financial situation:
I am a good candidate for this loan because I have a steady income and have NEVER made a late payment on my credit cards.? I am able to make my monthly payments but would rather pay the interest toward an individual(s) rather than?a corporation.? I no longer charge anything to my cards nor do I need to because of my savings account.

Monthly net income: $2,270

Monthly expenses:
Housing: $ 845 (includes utilities)
Insurance: Car - $122
Car expenses: Own out-right
Phone: $ 53
Credit cards: $?500 ($300 of which goes to the $7,500 balance I would like to pay off with a Prosper loan)
Student loans: $215
Other expenses: $150 - savings account for emergencies
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 427212
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 11.03% Starting borrower rate/APR: 12.03% / 14.16% Starting monthly payment: $66.46
 
Auction yield range: 6.04% - 11.03% Estimated loss impact: 5.18%  
Lender servicing fee: 1.00% Estimated return: 5.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2005 Debt/Income ratio: 50%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 5Length of status:1y 1m
Credit score: 740-759 (Mar-2010) Total credit lines: 22 Occupation: Student - College J...
Now delinquent: 0 Revolving credit balance: $29Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: unbelievable-investment9 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
Motorcycle Loan
I would like to buy a motorcycle by spring time. I already have half of the money, I just need an advance on the rest. I have a steady job for a reputable company, and will have no problem making monthly payments. Thank you all in advance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2005 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 6 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $649Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: transaction-ninja8 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
Pay back my supporting friends
Purpose of loan:
This loan will be used to pay off the debt that racked up while I was unemployed from graduation in May 2009 until I started working full time in November 2009

My financial situation:
I am a good candidate for this loan because I have very low outside expenses.? I also work at a financial institution so I am educated and serious about paying off my debts.? I understand that this is a ridiculously high interest rate, but I plan to have the loan paid off by 4/30/10 with weekly payments.? I owe $1600 in back rent to a friend (four months worth while I was unemployed).? I owe a total of $400 to other people.? I owe $750 in credit card bills, which when paid off will raise my credit score back to the 740 range.? I have never missed a payment of any type to an institution.? I have a take home pay of $441 every week.? I pay $217 dollars in student loans every month.? I am mostly trying to give myself some breathing room, while I save up and get my friendly debts paid off to loyal friends.

Monthly net income: $1760

Monthly expenses: $
??Housing: $ 375
??Insurance: $ 20
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 100?
undefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:14y 2m
Credit score: 720-739 (Feb-2010) Total credit lines: 6 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $7,698Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ready-bonus4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need loan for debt consolidation
Purpose of loan:
This loan will be used to...Pay off business credit card debts that I have accrued. I would like to consolidate this debt onto this loan to lower my payments. Currently the monthly payments on the cards are $1300 and $550. If I were to get this loan my consolidated payment would be far lower. This will allow me to save some extra money that can then be used for reinvesting into my construction business.

My financial situation: I am a good candidate for this loan because...I have been a successful business owner for over 15 years and have owned my current business for 10 years. My company has been accredited with the Better Business Bureau with an A+ rating since 2005 and has a 5 star rating on Service Magic. I have always been careful with my finances and have always been faithful to my creditors. I have been paying these credit card payments for many months now and this loan is going to lower my average monthly expenses so I will not have a problem paying for it. Thank you for considering my loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1991 Debt/Income ratio: 56%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 7Length of status:1y 8m
Credit score: 680-699 (Feb-2010) Total credit lines: 32 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $18,357Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: best-felicity-bauble Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off my credit cards
Purpose of loan:
This loan will be used to? to pay off my credit card debit

My financial situation:
I am a good candidate for this loan because? I have seen the error of my ways and I need to bulid up my retirement account.

Monthly net income: $
1566.00
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 72
??Car expenses: $ 60
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 726
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1997 Debt/Income ratio: 2%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 1 / 0Length of status:6y 1m
Credit score: 640-659 (Feb-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 3 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $7,569 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 32    
Screen name: special-penny Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Engagement Ring
Purpose of loan:
This loan will be used to? add to my savings to purchase an engagement ring for my girlfriend.

Summer 2007 I moved to a townhouse rental & met my neighbor, we quickly became friends.? We started spending as much time together as we could, whether it was simply sitting outside just talking with each other or playing catch with the football in the back yard.? I had found a girl that can throw & catch a football, doesn't mind getting dirty and loves to fish as much as I do, she is easy to talk to and fun to spend time with.? Her mother lived with her at the time; later that summer over morning coffee on the patio, I told her mom: "I'm gonig to marry your daughter".? She kind of laughed, considering her daugher and I hadn't never gone on a date.? I was the "guy next door" & she was the "girl next door".? It occured to me one night, shortly after becoming friends, that I was in love with my neighbor & lucky for me, she was in love with her neighbor too.? Nearly 3 years later & it's time for the "next step".? I would like to propose to her, so we can truly being our lives together.

My financial situation:
I am a good candidate for this loan because? of my ability to pay the loan back in a timely manner and my stable employment of 6 years.

Monthly net income: $ 3750.00

Monthly expenses: $ 1070.00
??Housing: $ 450.00
??Insurance:?$0 paid by employer
??Car expenses: $0?company vehicle - paid by employer
??Utilities: $ 170.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ No?credit cards.? Studen?loans already paid off.? No?other loans outstanding.
??Other expenses: None.? Car Insurance, company vehicle, gas and cell phone provided by and paid for by employer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.50% Starting borrower rate/APR: 30.50% / 32.89% Starting monthly payment: $213.63
 
Auction yield range: 17.04% - 29.50% Estimated loss impact: 26.73%  
Lender servicing fee: 1.00% Estimated return: 2.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1987 Debt/Income ratio: 16%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 6Length of status:22y 6m
Credit score: 600-619 (Mar-2010) Total credit lines: 38 Occupation: Other
Now delinquent: 3 Revolving credit balance: $1,473Stated income:$100,000+
Amount delinquent: $511 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 24    
Screen name: MOMBONE Borrower's state: Missouri Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 41 ( 89% ) 600-619 (Latest)
Principal borrowed: $17,400.00< mo. late: 2 ( 4% )  
680-699 (Feb-2008)
660-679 (May-2007)
 
Principal balance: $0.00 1+ mo. late: 3 ( 7% )
Total payments billed: 46  
Description
GETTING OUT OF DEBT
Purpose of loan: I am continuing to pull myself out of debt after my divorce and am just needing an extra boost to help my daughter with college and to payoff two remaining debts. I realize I am a HR due to my divorce and the financial situation we were in. I have had two previous loans however and BOTH were paid in full well prior to there ended dates. I am really trying to get myself back on track and would appreciate your help!

My financial situation: My yearly income is in excess of 130000 but after my divorce and an income split I am just now getting myself back on track. I have paid several of my bills off and am continuing towards that goal but I had a college expense come up that wasn't planned for and just need an extra boost!
Monthly net income: $ 11000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $400??Utilities: $ 125
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $123.09
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:11y 2m
Credit score: 660-679 (Mar-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $384Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 25%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: durability-journey Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off power and propane
Purpose of loan:
This loan will be used to? pay of bills that i have aquired during the winter months and some? that i have had

My financial situation:
I am a good candidate for this loan because?i have done well with paying my bills.? i have had some problems in the past but not extremely bad?

Monthly net income: $ 26000.00

Monthly expenses: $
??Housing:350.00
??Insurance: $ 65.00
??Car expenses: $?457.00??Utilities: $ 100.00
??Phone, cable, internet: $?160.00
??Food, entertainment: $?75.00
??Clothing, household expenses $?
??Credit cards and other loans: $ 230.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $143.90
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2001 Debt/Income ratio: 12%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:2y 0m
Credit score: 700-719 (Mar-2010) Total credit lines: 9 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $19,195Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: new-meteoric-repayment Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off highest interest card
Purpose of loan:
This loan will be used to transfer debt from one high-interest card (15.24% APR) to a single monthly payment with a lower APR.? My current average monthly payment on this card is $127.50, considerably higher than the average minimum of $88.50.? These figures are calculated from the last 4 months of my repayment history since I have started trying to reduce my interest payments.

The card has been locked in my safe for months and is not used.? I refuse to use it since my interest rate was increased several points in the midst of the economic crisis while the prime rate was falling.

My financial situation:
I am a good candidate for this loan because I have a solid credit history and pay my bills on time.? My average FICO from the three bureaus is 720, 712 and 707; it used to be around 760 (even breaking 800 briefly) before the economic crisis caused my creditors to reduce my limits across the board, thus making my previously comfortable cards maxed out.

Monthly net income: $2152

The following monthly expenses are averages calculated from my last 4 months of records (spreadsheets and credit card statements).

Monthly expenses: $2071
??Housing: $695
??Insurance: $8 (renter's, all else is covered)
??Car expenses: $65 (Zipcar)
? Public transit: $86
??Utilities (including phone, cable, internet): $136
? Total all other food/entertainment/household: $627
??Credit cards and other loans: $374 ($127.50 of which will be replaced by this loan)
? Misc (lunches, convenience store): $40
? Medical:? $40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 21.49% Starting borrower rate/APR: 22.49% / 24.76% Starting monthly payment: $384.44
 
Auction yield range: 8.04% - 21.49% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 12.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1988 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:13y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 38 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $23,665Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: JTSRDS 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: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
680-699 (Jun-2008)
 
Principal balance: $2,480.06 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Getting out of Debt Slavery


Purpose of loan:
This loan will be used to pay off another piece of the debt from my foolish years.? This card is at 29% with payments of $400.? The account is already closed.

My financial situation:
I am a good candidate for this loan because my family and I are practicing the disciplines and beginning to enjoy the fruit of following the lessons of solid financial practices.? We have just over $1,000 in savings and are focusing our extra funds on one of our debts.? Despite the large debt, bankruptcy is not an option.? I have never not paid off a debt completely or been late on paying.? I am a Vice President in the operations in the secruties arm of a large financial institution and am working toward removing myself from the list of people who have bought into the lies of credit cards.??We all know?the credit card banks are not your friends.

Monthly net income: $ 5500 from both wife and me

Monthly expenses: $
??Housing: $ 915 ? Mortgage on our house, in wife's name.
??Insurance: $ 160
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses:? $ 120
??Credit cards and other loans: $ 2400 mostly our credit card debt, avg of 16%
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449010
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,780.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $397.17
 
Auction yield range: 6.04% - 34.00% Estimated loss impact: 5.63%  
Lender servicing fee: 1.00% Estimated return: 28.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2003 Debt/Income ratio: 26%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 9Length of status:6y 0m
Credit score: 720-739 (Mar-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,024Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: BAEVentures Borrower's state: Illinois Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,699.00< mo. late: 0 ( 0% )  
740-759 (Jul-2009)
720-739 (Apr-2009)
740-759 (Jul-2008)
 
Principal balance: $1,114.24 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Lender and Previous Borrower
Purpose of Loan: Consolidate Debt. This loan will be used to consolidate my Chase Credit Card which is a closed account with a remaining balance of $6,500 @ 8.99% and $1,500 balance at 24.99%. $8,000 of this loan request will be used to pay this card in it?s entirety. The second line of credit this loan will pay is a portion of a $2,600 credit line that is no interest no payments until May. I will pay the remainder of this credit line by May with the proceeds of this loan as well as my own cash.

Employment and Income: I am a telecommunications consultant and contractor and have been with the same company since March 2004. I received a smaller than usual raise this year due to the nature of the economy but was still bumped from $51,000 to $53,000 salary. I also receive a 5-10% bonus annually.

My Financial Situation: Excellent and only getting better. With my recent salary bump, and some slick maneuvering with health insurance, I recently increased my monthly net income by $400 a month. My wife and I continue to contribute to and grow our savings and retirement accounts, both by adding additional capital and managing these accounts very carefully and purposefully.

Misc: Just a side note that in addition to being very detailed with my finances, I am also a 2 time previous Prosper borrower, in addition to being a Prosper lender, group leader, note trader, and long standing member of one of the highest rated groups on Prosper. I am already paying $450 a month on these two debts, so I can very clearly afford to swap that payment for a fixed payment via Prosper loan.

Monthly Finances:
Self Gross Income: $4716
Spouse Gross Income: $2600
Total Cash Available (Net): $5,052
Total Expenses: $4,697
Total Fixed Expenses: $2,860
Total Elective Expenses: $760
Total Debt Service: $1,077
Un-allocated Cash Flow: $355

Please ask questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1976 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:8y 10m
Credit score: 640-659 (Mar-2010) Total credit lines: 43Stated income:$100,000+
Now delinquent: 0 Revolving credit balance: $17,192 
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: red-bountiful-velocity 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
Purchase 50% ownership in store
Purpose of loan:
This loan will be used to purchase?a store that is profitable and has been around for 30 years. I believe I can double the income in? one year.


My financial situation:
I am a good candidate for this loan because eventhough I am a retired school teacher, this will be a family business and my husband and I?already make about $400,000 annually in another family business. In addition, I will add a guarantee that this loan will be paid back as?my husbands monthly military retirement check and my social security check starting in Nov 2010 is guaranteed income.?Also, I have a guaranteed pension from?owning another business?of $ 27,600 per year. Please note my credit score was in the 700 range last summer and all I did different from last summer was to buy 2 new cars for my children. Thus, I believe the purchases pulled down my score a little.

In addition, my husband, who is a financial advisor, was sued by the SEC in 2003. After 5 weeks in court?the judge said?he had done nothing wrong. However,?his attorney bills were over $ 1.5 million. After paying?as much as he could we both filed chapter 7. Prior to this event we had perfect credit and owned 5 homes and had $1 million in the bank. Thus, please don't hold the?bankruptcy against us.?

Monthly net income: $ 17,000.00

Monthly expenses: Apprximately $ 8,000?
??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 449034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.45% Starting borrower rate/APR: 26.45% / 28.78% Starting monthly payment: $607.96
 
Auction yield range: 11.04% - 25.45% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1989 Debt/Income ratio: 20%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 22 / 18Length of status:7y 10m
Credit score: 700-719 (Mar-2010) Total credit lines: 48 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $59,635Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Festus Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase of existing hardware store
Purpose of loan:
This loan will be used to finance the down payment on a purchase of an existing hardware store.? The store is very profitable and presents a great opportunity for my family.? The current owner is retiring and desires to sell now.

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

I am very fiscally responsible in the following ways:? Ownership and management of two successful business, both of which I sold at a profit.? I also manage our monthly family budget.? I have never been in default on any loan at any time.? I've just seen that my Prosper rating is a D.? I have no idea why this is the case.? But, it's a bit disheartening to say the least.? My credit score is over 700.

My salary of approximately $115,000 does not include approximately $30,000 I receive each year as annual payments for a business I sold two years ago.? These annual payments are paid semi-annually to me over a 5-year period.? I am currently in the 3rd year of this payout.? I use these payments to pay off the few loans I still have which were incurred when I owned my business.? I may?use the next payment I will receive (in August) to pay off this Prosper loan or,?I may just?pay this Propsper loan off over a 30 month period in accordance with our business budget document.??

Finally, I am a current proper lender and have been lending to others since January 2007.? I know how awful it is to have a borrower discharge your loan in bankruptcy.? You can be confident that this will not happen with my listing.? I have budgeted to pay this loan back within a 30 month period.? Based on our projections, I believe this is a realistic goal.

Monthly net income: $3,700

Monthly expenses: $
??Housing: $1,725
??Insurance: $216
??Car expenses: $859
??Utilities: $ 176
??Phone, cable, internet: $241
??Food, entertainment: $ 566
??Clothing, household expenses $159
??Credit cards and other loans: $ 963
??Other expenses: $ 242
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:2y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $1,195Stated income:$25,000-$49,999
Amount delinquent: $329 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: creative-capital7 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
Naval Officer Buying New FamilyCar
Purpose of loan: Retired Naval Officer Wants Car for Wife, Original Owner of '95 Pontiac Grand Am
This loan will be used to get wife a new ride...she deserves it; other car almost paid off!

My financial situation: Income: $3,000 per mth Expenses: $2,000 per mth Mortgage: $550 (includes all save property tax) Utilities: $150 Food: $300 Car: $255 Insur: $125 (car and life) Other: $550 (Gas for cars, internet, eating out, haircuts, etc) Credit Cards $ 85 Note: All derogatories on my credit reports are 5 years or older!!! My credit is on the mend. Occurred at time of divorce;hopefully will get another loan for a hitman later on...LOL Can EASILY make the payments on this loan!
I am a good candidate for this loan because this Retired Naval Officer served 22 years on submarines, minesweepers, and an aircraft carrier; he is reliable and makes payments on time! I do own a home since 2007 and am current on the loan with Vanderbilt Mortgage and Finance Co. and will provide proof upon request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.99% Starting borrower rate/APR: 29.99% / 32.37% Starting monthly payment: $106.12
 
Auction yield range: 11.04% - 28.99% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:2y 7m
Credit score: 640-659 (Mar-2010) Total credit lines: 46 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,745Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 24    
Screen name: caelyn Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
?If I am able to be funded for this loan I will use it to pay off my credit cards so that I can close those accounts and start to rebuild my credit.

My financial situation:
I am a good candidate for this loan because? I have really turned my financial situation around from a few years ago.? I had some rough times starting my own business and fell behind on my credit card payments but can happily say that I have built my business and have a very steady monthly income and continue to grow my business weekly.?

Monthly net income: $
My monthly net income varies slightly from month to month but is always at least $3300.00, and some months as high as $4500.00.
Monthly expenses: $
??Housing: $
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $
??Phone, cable, internet: $ 189
??Food, entertainment: $ 30
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 787
??Other expenses: $ 540
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $384.28
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 19 / 16Length of status:0y 6m
Credit score: 800-819 (Mar-2010) Total credit lines: 37 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $10,126Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: worldly-capital 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
Capital Improvement
Purpose of loan:
This loan will be used to? purchase special cushioned flooring for dog agility and training. This will reduce and/or prevent injuries to dogs' knees and hips, as well as, the trainers'/owners'

My financial situation:
I am a good candidate for this loan because? my history of unsecured credit shows that I am a good risk. My last non-collateral loan for $25,750 was recently paid-off in less that one year. I take care of my credit and can be trusted to repay as prescribed by the contract.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 18.44% Starting borrower rate/APR: 19.44% / 21.67% Starting monthly payment: $239.71
 
Auction yield range: 17.04% - 18.44% Estimated loss impact: 20.03%  
Lender servicing fee: 1.00% Estimated return: -1.59%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1999 Debt/Income ratio: 34%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 3Length of status:3y 1m
Credit score: 600-619 (Mar-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $337Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: luvnlace Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 600-619 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
640-659 (Jun-2008)
 
Principal balance: $3,323.16 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
debt consolidation
Purpose of loan:
Debt consolidation

My financial situation:
I am a good candidate for this loan because?? I will pay this loan back on time as I have been doing with a current Prosper loan. ?I am?wanting to pay off some small bills as well as my current Prosper loan.

Monthly net income: $ 2400.00

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 67.00
??Car expenses: $?393.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $?150.00
??Credit cards and other loans:?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1997 Debt/Income ratio: 46%
Basic (1-10): 5 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:1y 5m
Credit score: 680-699 (Mar-2010) Total credit lines: 14 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $3,900Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dinero-hotshot 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
medical expenses
Purpose of loan:
This loan will be used to? Pay off medical expenses for a love one in the Philippines.?

My financial situation:
I am a good candidate for this loan because? I know that I can meet the monthly payment due date.

Monthly net income: $2683.14

Monthly expenses: $
??Housing: $ 650 (renting duplex)
??Insurance: $??69.30 (car insurance)
?Car expenses: $ 526.10
??Utilities: $ 21 (natural gas)
??Phone, cable, internet: $ 191.84 (Direct TV, Verizon phone and internet)?
??Food, entertainment: $ 105?
??Clothing, household expenses $ 60 (varies)
??Credit cards and other loans: $ 324.94 (school loan, chase credit card,?GE Money, Wells Fargo Credit Card)
??Other expenses: $113.46 (electricity and cell phone)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $337.96
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1977 Debt/Income ratio: 24%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 14Length of status:0y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 35 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $20,353Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: scgman43 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 12 ( 75% ) 640-659 (Latest)
Principal borrowed: $8,500.00< mo. late: 4 ( 25% )  
640-659 (Sep-2008)
600-619 (May-2008)
580-599 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Pay off medical debt
Purpose of loan:
This loan will be used to payoff unsecured debt faster and reduce interest rate.

My financial situation:
I am a good candidate for this loan because I have consistant income and have continued to pay down debt incurred from 13 years of medical expenses not covered by insurance. (Infertility). Two previous Prosper loans have been paid off.

Monthly net income: $ 6700???

Monthly expenses: $
??Housing: $ 1950????
??Insurance: $ 150
??Car expenses: $?440
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 650
??Clothing, household expenses $ 250
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $519.98
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1990 Debt/Income ratio: 44%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:12y 6m
Credit score: 700-719 (Mar-2010) Total credit lines: 20 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $19,548Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hopeful-basis5 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
Purpose of loan:
This loan will be used to pay off high interest credit card debt.

My financial situation:
I am a good candidate for this loan because of the future earning potential of myself and my spouse...For the past four years, my wife (who has her doctorate) has homeschooled our three children, who range in age from 6 to 12, while doing some private tutoring on the side....I have my masters degree and have been teaching at the same Catholic high school for the past 13 years.? Overall, this has been a very positive lifestyle decision and one we do not regret in the least, but it has also been one that has over the course of time has eroded our situation financial situation quite a bit...my wife has earned less since we began home schooling and obviously for a multitude of reasons, the cost of living (property taxes, etc. you name it) has escalated.? We have been saving (I maximize my giving to my 403c plan) but at the same time, our debt situation has gradually intensified.? My wife will now be looking to return to a full time teaching position next fall.? To a large degree, if that happens, this request for a loan will become unnecessary, or if we do go the Prosper loan route, rapid repayment will become a "nobrainer" or us.. but that possibility is still 6 months away and right now and things are so very tight financially...I'm hoping that someone out there sees us as a good risk despite a recent drop in my credit score from what was a very strong number not so long ago.? Thank you for your consideration and I hope that we can do business!

Monthly net income: $ 3500 (plus 500-700 per month from my wife's tutoring)

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,400.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $98.47
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2001 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 3Length of status:0y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 7 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $1,091Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: responsibility-leader 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
Right steps to build a better life
Purpose of loan:
This loan will be used to pay down 2 of my high interest credit cards and 2 hospital bills that I received during the 2 months (Sep. 4-Nov 4. 2009) in which I was laid off from my job of 6 years. I started a new career in early November of 2009, one in which I am very good at, and want to begin saving for a house which I intend to purchase around this time next year.

My financial situation:
I am a good candidate for this loan because I have never missed a payment for any loan or credit card over the past 3 and half years. I have paid off 2 previous loans and have always maintained more than minimum payment status. I was laid of from my job of 6 years last November and did not file for unemployment because I had strong faith that something would come along very soon. Exactly 2 months to the day (Sep. 4 - Nov. 4) I began a new job that is not only more of what I'm looking for in a career, but also pays me a lot more with amazing benefits. However, I did use a cushion that I had saved up over the past 3 years to maintain my bills while I was laid off while also using my credit cards up to 70%. I want to pay those cards down along with a hospital bill so that I can have one low monthly payment and begin saving for a house. I am an honest person and ask in gratitude for the amount requested.

Monthly net income: $3954 (Base + Commission Average)

Monthly expenses: $
??Housing: $1045
??Insurance: $144
??Car expenses: $625.20 (Car Payment & Gas)
??Utilities: $70
??Phone, cable, internet: $67
??Food, entertainment: $625
??Clothing, household expenses $225
??Credit cards and other loans: $200
??Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $258.74
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1986 Debt/Income ratio: 56%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 21 / 17Length of status:10y 5m
Credit score: 700-719 (Mar-2010) Total credit lines: 57 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $87,748Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: asset-knickers 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
Adding a new roof
Purpose of loan:
This loan will be used to replace the existing roof on my home/ This will help prevent any further water damage to the interior. ?

My financial situation:my credit is fair due to the amount of credit I have out even though I stay current with all of my cards and loans.
I am a good candidate for this loan because I am a dependable payer and do take on extra part time jobs if necessary to pay my debts.?

Monthly net income: $14,200

Monthly expenses: $10,825 total
??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 449166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $584.87
 
Auction yield range: 3.04% - 9.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1969 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:16y 5m
Credit score: 820-839 (Mar-2010) Total credit lines: 31 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $859Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: LawyerLoan 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
Remodeling kitchen & Bath
Purpose of loan:
This loan will be used to update and remoldel kitchen and bath.? The home is on a 15 year mortgage with 10 years to payoff.? It has $50,000 plus equity and yes i am considering borrowing from bank.? However since I have been lending on Prosper for three years I thought I would seek the help of other prosper members.?

My financial situation:
I am a good candidate for this loan because I have a consistent income of billable hours averaging $10,000 per month this has been consistent for the past three years.? My wife also makes $24,500 per year as a legal secretary for the State of Florida.? I also manage? my Fathers business which is the leasing of industrial compactors.? My fee for this service has been a consistent $3500 per month for the past four years. My credit is good and I will keep it that way.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2003 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:1y 3m
Credit score: 760-779 (Mar-2010) Total credit lines: 9 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $10,439Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ferret7 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 credit cards
Purpose of loan:
This loan will be used to? pay off credit card debts. I would just make the monthly payments on my credit card, but my APR on the card is too high. My debt has gotten so high because of college tuition.

My financial situation:
I am a good candidate for this loan because? I just finished school, and am now working full time. I might not make a lot right now, but I am in the process of getting a higher paying job in the next couple of weeks.

I don't have any bill too pay so i know I can pay the minimum payment each month easily and will probably pay off the debt earlier.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $450.65
 
Auction yield range: 8.04% - 14.00% Estimated loss impact: 8.81%  
Lender servicing fee: 1.00% Estimated return: 5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2000 Debt/Income ratio: 22%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:4y 0m
Credit score: 760-779 (Mar-2010) Total credit lines: 22 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $425Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: respectful-credit3 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Adoption Funds
Purpose of loan:
This loan will be used to? help us fund the last bit we need to adopt a child

My financial situation:
I am a good candidate for this loan because? both my wife and I have steady jobs (I am an electrician and she is a nurse).? We both make good hourly wages (her income is not included in the stated income).? We are both hardworking and trustworthy people and will commited to repaying this prosper loan as much as we are commited to adopting our child.? Thank you for your help!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $271.14
 
Auction yield range: 11.04% - 17.00% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2002 Debt/Income ratio: 41%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 21 / 18Length of status:0y 4m
Credit score: 680-699 (Mar-2010) Total credit lines: 29 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $13,992Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: impressive-worth8 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off my highest interest credit cards where the APR is almost 30%! The loan repayment amount would?just about?equal the minimum payments of the cards I plan to pay off. This guarantees my ability to make the loan payments as I currently pay that amount already.

My financial situation:
I am a good candidate for this loan because during my college years and the 6 months following where I was job searching, I accumulated more debt than I would have liked. However, I have never missed a payment on any account in my life. I Graduated with my Bachelor's Degree?last May, finally started my career in November and am looking ahead to getting my financial situation back to even. I recently?made the last payment on?a $320 per month car payment which leaves me extra money to pay down credit cards or pay towards a consolidation loan.

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 35
??Car expenses: $?50
??Utilities: $?0
??Phone, cable, internet: $ 130
??Food, entertainment: $ 120
??Clothing, household expenses $?none
??Credit cards and other loans: $ 675
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2005 Debt/Income ratio: 10%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 1Length of status:3y 9m
Credit score: 640-659 (Feb-2010) Total credit lines: 9 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: ressa Borrower's state: Florida Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a car to commute to work
Purpose of loan:
This loan will be used to?
purchase a car for commute to and from work and for my family use.
My financial situation:
I am a good candidate for this loan because?
I have a stable job and regular income therefore I won't default on my loan.
Monthly net income: $
1630.78
Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $?200
??Clothing, household expenses $80
??Credit cards and other loans: $75
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 32.98% Starting borrower rate/APR: 33.98% / 36.42% Starting monthly payment: $187.57
 
Auction yield range: 11.04% - 32.98% Estimated loss impact: 10.84%  
Lender servicing fee: 1.00% Estimated return: 22.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1985 Debt/Income ratio: 4%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:19y 11m
Credit score: 660-679 (Feb-2010) Total credit lines: 34 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $120,150Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: social-tower Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cop asking for a little help :)
Purpose of loan:
This loan will be used to pay back a fellow Police Officer I have worked with for the past 17 years who helped me out to get rid of all my credit card debt back some time ago.? This loan of $3900.00 will be the only debt I have other than a 1st and 2nd Mortgage payment and a Chase credit card with a balance of $1100.00.? Homeowner for 17 years.? My DTI ratio is good as shown.

My financial situation:
Federal Drug Law Enforcement for the past 20 years along with a part time job on weekends for also the past 20 years.? I made mistakes and have survived.? I am just asking for your help with this Loan versus putting this amount on a credit card.? I want a simple 3 year Loan and have all the means to pay it back.? Electronic Payroll and Prosper has already verified my account.? I hope you will help.? 20 years on in Federal Law Enforcement-I'm not going to go bad on this.? Trust me!? Would I jeopardize my career?????Please ask any questions.

Monthly net income: $4279

Monthly expenses: $2050.00?
??Housing: $1340?
??Insurance: $100
??Car expenses: $ 0 (Free and clear)
??Utilities: $?70
??Phone, cable, internet: $80
??Food, entertainment: $150?
??Clothing, household expenses $80?
??Credit cards and other loans: $30 (Chase)
??Other expenses: $200.00 (Property Taxes)?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449202
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.38% Starting borrower rate/APR: 29.38% / 31.75% Starting monthly payment: $421.13
 
Auction yield range: 11.04% - 28.38% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2005 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 3Length of status:5y 2m
Credit score: 680-699 (Mar-2010) Total credit lines: 7 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $6,329Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: silo9 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my bills
Purpose of loan:
This loan will be used to? Pay of high interest loans and?making my car operational again.

My financial situation:
I am a good candidate for this loan because? I have a good income with a good company that I have been employed with for over?5 years.

Monthly net income: $ 2900.00

Monthly expenses: $
??Housing: $ 400.00 a month
??Insurance: $?100.00 a month
??Car expenses: $ 170. a month
??Utilities: $?included in rent
??Phone, cable, internet: $ 55.00 a month
??Food, entertainment: $ 100.00 a month
??Clothing, household expenses $ 100.00 a month
??Credit cards and other loans: $ 400.00 a month
??Other expenses: $ 100.00 a month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449206
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $542.59
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2001 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:5y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 22Stated income:Not employed
Now delinquent: 1 Revolving credit balance: $15,318 
Amount delinquent: $105 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: trustworthy-market1 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit card debt that has, unfortunately, built up over the past five years.

My financial situation:
I am a good candidate for this loan because? I am DETERMINED to eliminate my credit card debt.? I am currently a stay-at-home mom, but actively searching for a job.? Regardless, the money will be there to help pay this loan.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 420
??Insurance: $ 100
??Car expenses: $ n/a
??Utilities: $ 100
??Phone, cable, internet: $ 125
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500+
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449210
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.20% Starting borrower rate/APR: 20.20% / 22.44% Starting monthly payment: $354.02
 
Auction yield range: 17.04% - 19.20% Estimated loss impact: 19.08%  
Lender servicing fee: 1.00% Estimated return: 0.12%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2005 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 4Length of status:5y 2m
Credit score: 720-739 (Feb-2010) Total credit lines: 11 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $5Stated income:$0
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: usergd182 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 96% ) 720-739 (Latest)
Principal borrowed: $6,000.00< mo. late: 1 ( 4% )  
700-719 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Mainly improve credit score
To whom it may concern,

? I am taking out this loan for the main purpose of improving my credit score and the minor purpose of fixing up my family's recently purchased house. It is a great investment opportunity for you as there is no risk involved. I have a full time job as a carpenter making $25 an hour, have 2 savings accounts with over $7000 in them and am investing in a house in Des Plaines. I don't really have any expenses other than my insurance, cell phone and car payments. All of my other money I am either saving or putting into the house I am fixing up to sell.

??? I have only taken out 1 loan before and that had to be done with a cosigner because my credit was too light. The loan was for the 2007 Pontiac G6 that i recently purchased. I am about half way finished with paying that off but my credit remains very light and my score is only 700. I would like to be able to get a loan by myself and after paying off this loan my credit score should get a lot higher. Lending to this loan will help both of us out and be a great and safe investment for you.

Thank you for your time and help.

Sincerely
JMG

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2006 Debt/Income ratio: 24%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:4y 1m
Credit score: 640-659 (Mar-2010) Total credit lines: 13 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $3,477Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wize4lyfe Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 91% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 2 ( 9% )  
620-639 (Mar-2008)
 
Principal balance: $1,147.23 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Family Moving Expenses
Purpose of loan:
This loan will be used to pay storage fees, transportation fees and moving expenses for my family.

My financial situation:
I am a good candidate for this loan because although I have many open lines of credit, I am part of the US Military and there for have job security and a stable income. I am currently an E5 eligible for E6.

Monthly net income: $ 6368

Monthly expenses: $
??Housing: $ 2222 (Depending on Yen Rate, my rent is 200,000 Yen a month)
??Insurance: $ 0
??Car expenses: $? 0
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 650
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449216
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $207.99
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:34y 9m
Credit score: 720-739 (Mar-2010) Total credit lines: 24 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $11,756Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bohica6525 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
Debts
Purpose of loan:
This loan will be used to? Pay debts????

My financial situation:
I am a good candidate for this loan because? I always pay my bills
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 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: $131.18
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 3 / 3Length of status:19y 2m
Credit score: 700-719 (Mar-2010) Total credit lines: 21 Occupation: Executive
Now delinquent: 3 Revolving credit balance: $3,039Stated income:$75,000-$99,999
Amount delinquent: $19,973 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: brightest-sparkling-deal 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
Bridge loan, capital for expansion
Purpose of loan:
This loan will be used to cover business development expenses (meetings with clients, proposal writing) as I expand a successful consulting practice. I've got some great proposals out there with soft commitments. Decision making is slower than I expected in this economy, so this loan is a bridge until contracts are signed. I'm not sitting on my hands though; I'm out scouting additional business and will use the loan to do that and to cover very basic expenses until the new work comes through.

My financial situation:
I am a good candidate for this loan because I'm responsible, an extremely hard worker, and conscientious. I have an MBA from a top school and am well-respected in my field. My credit is good, but I've made mistakes in the past that are still effecting my score. I've learned from those and have made major changes in order to catch up. I know I'm listed as high risk, however in the last two years I've paid off over half of my old debt. So, I'm well on my way to a clean state. Thanks for considering funding my work.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 24.68% Starting borrower rate/APR: 25.68% / 28.00% Starting monthly payment: $802.41
 
Auction yield range: 8.04% - 24.68% Estimated loss impact: 8.59%  
Lender servicing fee: 1.00% Estimated return: 16.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1997 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 18 / 18Length of status:12y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 43 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $80,767Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: gdawgthahog Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
740-759 (Apr-2008)
 
Principal balance: $1,268.00 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Help consolidate cc debt w payoff!
I want to consolidate my never ending credit card debt with an actual payoff date. Thanks to prosper that is possible. I am giving an opportunity to give my lenders a guaranteed profit.?

My financial situation:
I am a good candidate for this loan because? I have a profession not a practice.? Payments are always on time and I have never missed.? Guaranteed profit.? Thanks for looking.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1995 Debt/Income ratio: 18%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:12y 10m
Credit score: 640-659 (Mar-2010) Total credit lines: 7 Occupation: Medical Technician
Now delinquent: 1 Revolving credit balance: $245Stated income:$25,000-$49,999
Amount delinquent: $746 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: proper-greenback4 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
Saving my heritage
Purpose of loan:
This loan will be used to pay back property taxes on a home I inherited.? City counsel has enacted a pay most current year law versus oldest tax year owed making it impossible to catch up.?

My financial situation:
I am a good candidate for this loan because this is my heritage.? I acquired this debt through an inheritance.? I work three jobs, one on paper; two without? a paper trail.? I live within my means, there is no mortgage and the home is valued at 190,000.00.? I will get legal documentation to secure a lien on this property if necessary.
My credit is bad because a restaurant/8 apartment building that I owned caught fire.? After a ten year legal battle, the case was settled and the policy paid.? All of the policy went to lawyers and bank mortgage.? Prior to 1996 my credit was perfect.? My partner disappeared and I was left hanging.? I promise you I am in no other debt, once the taxes are paid I will only owe the lender.? My initial application requests 15,000.00 but the web site suggests I apply for a lower amount.? If this is truly not a scam, you will take a chance on me.? I ?am a hard working middle class citizen who pays her own way.? Financially I am eligible for all social services in our county, but have never or will I ever use that resource; there are people always worse off than ourselves.? Plese help me.
Monthly net income: $

Monthly expenses: $ approximately 700.00
??Housing: $?? zero own? the home
??Insurance: $ 160.00
??Car expenses: $ zero own my car
??Utilities: $ 175.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?200.00
??Clothing, household expenses $?0.00
??Credit cards and other loans: $ 75.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1991 Debt/Income ratio: 33%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 12Length of status:16y 10m
Credit score: 600-619 (Feb-2010) Total credit lines: 36 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $6,362Stated income:$50,000-$74,999
Amount delinquent: $4,256 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: rfamily 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
600-619 (Mar-2008)
640-659 (May-2007)
640-659 (Apr-2007)
640-659 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
401K Loan Payoff
Purpose of loan:? Pay off 401Km loan of?$4,300 to be able to borrow?new loan of $20,000 at?3.5% and consol all debt.?

My financial situation:? Employed 16+ years with same company.??Income above 65K annually.? Low cost of living with a low mortgage?payment of $1105.00.?

I just completed the payoff on my last prosper loan 3 months early.I was wondering if you would consider funding my new loan request for $3,500.I have 1 more nightmare account, a Wells Fargo car loan with a 15.75% interest rate.I have a 401K account with $49,000 available but have an outstanding 401K loan of $4,300.I can borrow 50% of the account balance but I am only allowed 1 loan at a time.I would like to pay off the existing balance but require an additional $3,500 to pay off.I can then borrow $20,300 at 3.5% interest rate.This would allow me to paydown and refinance?my?final monthly car payment.? Settle my last outstanding collection item and pay off my remaining 7K in credit card debt.My goal is to be debt free and am searching for ways to maximize my funds and reduce the time to get there.My credit standing dropped from a C to HR.However, I am actually in a much better position financially then my last loan application.I began to follow some financial advise from Dave Ramsey, a financial radio talk show host.His guiding principles are no debt, live on beans and rice and FICO score is a debt score.I was able to negotiate and settle several credit items one at a time.However, by doing this I impacted my credit score negatively.They are now all at zero balances except for 1.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2000 Debt/Income ratio: 54%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:2y 1m
Credit score: 640-659 (Mar-2010) Total credit lines: 25 Occupation: Flight Attendant
Now delinquent: 0 Revolving credit balance: $7,034Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: benefit-shooter 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
Making one payment, getting ahead
Purpose of loan:
I have a couple credit cards all with low limits that I had to use for paying some medical expenses. I'm goal is to make one monthly payment instead of three. Used a loan interest calc and found that even at 10% I would pay much less on one loan than on all of these.
My financial situation:
I currently still employeed with Pinnacle Airlines and recently started 'my dream job' a graphics and marketing job with an eKids learning website. I've been with the new company also now for 3 weeks in addition to Pinnacle. I should have no problem paying anything back.

Monthly net income: $
$1500

Monthly expenses: $
??Housing: $?0 Live In
??Insurance: $ 67
??Car expenses: $ 180?
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ Food 200 Entertainment? Whats that?
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $220.91
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1976 Debt/Income ratio: 12%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:4y 5m
Credit score: 820-839 (Mar-2010) Total credit lines: 13 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $3,467Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: apricot1 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
Personal Loan
Purpose of loan:
This loan will be used to?
To pay a credit card and do?some inprovements in my home.
My financial situation:
I am a good candidate for this loan because?
I always pay my debts and bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $161.34
 
Auction yield range: 8.04% - 9.00% Estimated loss impact: 8.18%  
Lender servicing fee: 1.00% Estimated return: 0.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1991 Debt/Income ratio: 38%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 22 / 19Length of status:0y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 55 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $40,144Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: responsive-commitment1 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
Earn 10.0% On Your Investment
Purpose of loan:
This loan will be used to? I want to refinance some credit card debt.

My financial situation:
I am a good candidate for this loan because? I have a 720+?credit score.?As shown by my credit report that Prosper obtained,?I don't have any late payments.?? Admittedly, my debt-to-income ratio could be better than the 36.0% that is shown.?? I'm a banker by profession and I pay my bills on time.??

Combined with my wife's salary, we had nearly $150,000.00 in household income in 2009.?? My wife and I have owned our home for nearly 6 years in Austin, Texas; we just refinanced our Wells Fargo mortgage on January 19, 2010.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $277.48
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1997 Debt/Income ratio: 31%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:0y 5m
Credit score: 680-699 (Mar-2010) Total credit lines: 16 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $13,428Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: finance-shrine Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
This loan will be used to pay off my credit card debt.

My financial situation:
I am a good candidate for this loan because I have a stable job and am very serious about paying off my debt. I am very frugal with my money. I hardly go out and spend or shop. I've had this credit card since I was 18 and I paid off the balance each month in full. Years back, I lost my job and used my credit card to pay for a lot of expenses. I have a very secure job now. I have a college degree from the University of Minnesota. I paid off all of my college loans after graduation within two years back in 2003. I have been paying such high interest rate on my credit card debt and it's been such a worry for me about paying this debt down.

Monthly net income: $2,400

Monthly expenses: $1,134
??Housing: $460
??Insurance: $100
??Car expenses: $254
??Utilities: $50
??Phone, cable, internet: $70
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $21,000.00 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: $949.96
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1997 Debt/Income ratio: 21%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 9Length of status:3y 9m
Credit score: 680-699 (Mar-2010) Total credit lines: 17 Occupation: Analyst
Now delinquent: 2 Revolving credit balance: $8,932Stated income:$100,000+
Amount delinquent: $13,564 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: mchiura Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 87% ) 680-699 (Latest)
Principal borrowed: $5,000.00< mo. late: 2 ( 13% )  
660-679 (Apr-2008)
660-679 (Mar-2008)
660-679 (Jan-2008)
660-679 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Education Loan
Purpose of loan:
I have an opportunity to do an executive?development program?

My financial situation:
I am a good candidate for this loan because my history has demonstrated my ability to repay?the?loan. I repaid my first lean on prosper?

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 100
??Car expenses: $ 800
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $730.68
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1987 Debt/Income ratio: 18%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:19y 10m
Credit score: 680-699 (Mar-2010) Total credit lines: 34 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $21,316Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: paints4bucks Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit card
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? i have a steady job , just ran into? medical problems

Monthly net income: $
2040
Monthly expenses: $
??Housing: $ 19004
??Insurance: $ 190
??Car expenses: $ 250
??Utilities: $ 250
??Phone, cable, internet: $ 220
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 505
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449252
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 2 / 3Length of status:0y 4m
Credit score: 640-659 (Mar-2010) Total credit lines: 12 Occupation: Construction
Now delinquent: 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $1,218 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: confident_farming_withscience 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
start up exspenses for family farm
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
pay for seed and start up equipment
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 449254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 6 / 6Length of status:4y 2m
Credit score: 660-679 (Mar-2010) Total credit lines: 21 Occupation: Construction
Now delinquent: 1 Revolving credit balance: $37,438Stated income:$50,000-$74,999
Amount delinquent: $1,853 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thoughtful-funds1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card balances to a lower interest rate to help pay off more quickly.

My financial situation:
I am a good candidate for this loan because even though I am self employed, I can verify income through bank statements, etc. and I make my payments on time every month.

Monthly net income: $ 5000.00

Monthly expenses: $
??Housing: $ 1800.00
??Insurance: $ 100.00
??Car expenses: $ 100.00
??Utilities: $?200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $63.95
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 20 / 17Length of status:1y 5m
Credit score: 700-719 (Mar-2010) Total credit lines: 69 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,103Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: skincy 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 / 2 On-time: 29 ( 97% ) 700-719 (Latest)
Principal borrowed: $3,000.00< mo. late: 1 ( 3% )  
640-659 (Oct-2008)
620-639 (Aug-2007)
 
Principal balance: $1,176.07 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Debt Consolidation
Purpose of loan:
I want to pay-off all revolving debt..
My financial situation:
I am a good candidate for this loan because? I have?stable government position with the Air Force and I always pay my bills on time. I have two Master's Degrees and a good head on my shoulders. I want to improve my credit rating even more.
Monthly net income: $ 4,235
Monthly expenses: $
??Housing: $?900
??Insurance: $?200
??Car expenses: $ 650
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.05% Starting borrower rate/APR: 18.05% / 20.26% Starting monthly payment: $542.66
 
Auction yield range: 17.04% - 17.05% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1999 Debt/Income ratio: 21%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:9y 5m
Credit score: 660-679 (Mar-2010) Total credit lines: 15 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $15,027Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: openness-flag8 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? i have a steady well paying job

Monthly net income: $ 5587

Monthly expenses: $ 4314
??Housing: $ 1989
??Insurance: $ 100
??Car expenses: $550
??Utilities: $ 200
??Phone, cable, internet: $ 175
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 25.52% Starting borrower rate/APR: 26.52% / 28.85% Starting monthly payment: $141.99
 
Auction yield range: 8.04% - 25.52% Estimated loss impact: 8.61%  
Lender servicing fee: 1.00% Estimated return: 16.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1992 Debt/Income ratio: 114%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 23 / 21Length of status:5y 6m
Credit score: 700-719 (Feb-2010) Total credit lines: 39 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $80,447Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: brightest-pound-zoo Borrower's state: Nebraska 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
Paying off a high interest citicard
Purpose of loan:
This loan will be used to pay off a citicard that is at a very high interest rate. .

My financial situation:
We recently bought a small acreage--it needs a lot of work--the house was built in 1973 and is still decorated in 1973!? It's like walking into the Brady Bunch house!? Full of yellow wallpaper (tons of wallpaper!), green wallpaper, big flowered carpet and tons of those hanging chain lights!? Anyway, we?were unable to sell our other house due to the?state of the economy at that time.?? We rented the house for a year and?after our tenants moved out, we found that a great deal of repairs needed to be completed that we had not planned on--roof, siding, radon mitigation system, and all the repairs from the tenants.? We were able to sell the house, but took a huge loss and unfortunately financed it on?credit cards.?At least we do not have 2 mortgages any longer though. ?We are specifically needing to pay off this high interest credit card--over 30%.?? We are?excellent candidates for this loan because?we have very?stable jobs and have NEVER missed any payments or?been late with payments with any debt?we've incurred.? This is our first time using Prosper and after researching it, feel that peer-to-peer lending will suit our strong desire to get away from credit card companies!? Please help us with this credit card!? We would much rather pay YOU than pay citibank!!

Monthly net income: $ 6242.00 (including spouse's income)

Monthly expenses: $
??Housing: $ 1805.00????
??Car expenses: $?75.00
??Utilities: $ 100.00
??Phone, cable, internet: $80.00?
??Clothing, household expenses $50
??Credit cards and other loans: $?500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449278
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $335.25
 
Auction yield range: 11.04% - 28.00% Estimated loss impact: 10.70%  
Lender servicing fee: 1.00% Estimated return: 17.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1991 Debt/Income ratio: 34%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 30 / 29Length of status:24y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 61 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $37,429Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Lanz Borrower's state: Texas Borrower's group: BuildingTree
Credit and homeownership information was obtained 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: 60 ( 100% ) 660-679 (Latest)
Principal borrowed: $11,500.00< mo. late: 0 ( 0% )  
660-679 (Jan-2008)
660-679 (Dec-2007)
660-679 (Feb-2007)
 
Principal balance: $1,563.62 1+ mo. late: 0 ( 0% )
Total payments billed: 60  
Description
Multi-purpose loan
Purpose of loan:
The primary objective of this?request ?will be used to combine?high interests CitiFinancial and GE Money Bank.
I have been paying these accounts for the past 3 years and the balance still at 50% of the original amounts.

I have steady employment and I have been at my job over 25 years. With your assistance, this loan will
enable me to payoff those high interest accounts. Thank you for your kind consideration.
You will be paid and that is my promise !

Current financial situation:
I am a good candidate for this loan because I do not? have any records of bankruptcy or foreclosure
and I have an excellent on-time payment history with Prosper and paid one Prosper account in full.

Monthly Expenditures At-a-Glance:

Steady Monthly net income: $ 6850

Monthly expenses:??
??Housing: $ 1012
??Insurance: $?120
??Car expenses: $ 0
??Utilities: $ 260
??Phone, cable, internet: $ 80
??Food, entertainment: $ 450*
??Clothing, household expenses $ 420*
? Credit cards and other loans: $ 3500

? * Variances due to historical average estimation. Amount can be lower if necessary
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $113.03
 
Auction yield range: 17.04% - 20.00% Estimated loss impact: 19.13%  
Lender servicing fee: 1.00% Estimated return: 0.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: 34%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 13Length of status:11y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 43 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $8,623Stated income:$50,000-$74,999
Amount delinquent: $1,333 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: RAINNMANN Borrower's state: Illinois Borrower's group: Law Enforcement and Emergency Services
Credit and homeownership information was obtained 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: 31 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
660-679 (Sep-2008)
660-679 (Oct-2007)
 
Principal balance: $447.51 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
PAY OFF HIGH INTEREST CC 29%
Purpose of loan:
This loan will be used to? PAY OFF 29% INTEREST RATE CREDIT CARD THAT WAS CLOSED DUE TO THE ECNOMY.

My financial situation:
I am a good candidate for this loan because? I HAVE AN EXCELLANT PAYMENT HISTORY WITH PROSPER AND I AM IN LAW ENFORCEMENT NO LAYOFF'S THERE

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 84
??Car expenses: $
360??Utilities: $ 300
??Phone, cable, internet: $ 111
??Food, entertainment: $ 300
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 220
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449286
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2005 Debt/Income ratio: 49%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:4y 3m
Credit score: 600-619 (Mar-2010) Total credit lines: 15 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $5,525Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: centralrich33 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: 18 ( 86% ) 600-619 (Latest)
Principal borrowed: $4,000.00< mo. late: 3 ( 14% )  
620-639 (May-2008)
 
Principal balance: $1,894.79 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Needs to help family member
Purpose of loan:
This loan will be used to help a member of my family in financial distress

My financial situation:
I am a good candidate for this loan because I have a steady income, im in the military?and stay in the dorms.

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 135
??Car expenses: $ 80
??Utilities: $?0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 260
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $740.42
 
Auction yield range: 17.04% - 31.00% Estimated loss impact: 19.82%  
Lender servicing fee: 1.00% Estimated return: 11.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 8Length of status:0y 7m
Credit score: 700-719 (Feb-2010) Total credit lines: 33 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $4,658Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: selelane Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 96% ) 700-719 (Latest)
Principal borrowed: $4,000.00< mo. late: 1 ( 4% )  
640-659 (Jun-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Paying off my credit cards
PLEASE HELP!

I have acquired a significant amount of credit debt. I am a responsible person, I make all my payments on time and don't spend frivolously. I have been a victim of identity theft 4 times and spent a year looking for a teaching position while substituting and working at a restaurant. Instead of asking for welfare, I spent the credit card money I had to survive, hoping I would soon be able to pay it off once I had a steady teacher position.

I am now teaching in Arizona, and have for the past 3 years. Although I have my master's degree in education, I still make a very minimum amount. Arizona pays their teachers the lowest amount in all of America, (I did not know that when I moved here).

I have only been able to afford to pay the minimum balances, even though I share rent with my fiance, who is also a teacher.

Recently I have paid off my car and can now afford to pay a couple extra hundred dollars to pay down my debt. I dearly want to consolidate my cards and make significant progress in being rid of this weight.

Please help me in my quest of being credit card debt free.

If I can get an interest rate of 32% (or better) I know I can pay this off in 3 years.

I bring home $1900 per month. After all my bills are paid (and gas factored in) I now have $450 left to pay for food.

I am currently paying $440 per month on my $17,000 credit debt.

17,000 @ 32% interest = $740/month

I can make this payment easily as I would add $300 to what I'm already paying. Which would then leave me with 450 ? 300 = $150 for food and other.

Please help me live a more fulfilling life without credit debt, as I would like to have a home of my own (instead of renting) and a family, and I don't want to have either of those until my credit is paid in full.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449290
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $147.09
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1988 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:13y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 22 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $3,127Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Chadwick_Bay_Investments Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,500.00< mo. late: 0 ( 0% )  
720-739 (May-2008)
740-759 (Jan-2008)
720-739 (Dec-2007)
 
Principal balance: $2,900.51 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Looking to Buy newer Pick-up Truck

?????Purpose of this loan:??????????????I am look to purchase a newer Pick up truck around a 2000 to 2002. Just missed out a a nice 2001 4x4 that sold for $4100.00.?


?I currently own 5 homes and my rental income is more than?my net income from work. I have been a landlord for?30 years.?
???????? I currently have a loan here on Prosper, and also have?some money loaned out to borrowers here.?I will have no proplems paying this loan as my credit report shows and my payment history here on Prosper shows that. Looking for a sure investment loan, this is it.
?????? Thanks for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $324.46
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1988 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:2y 2m
Credit score: 700-719 (Mar-2010) Total credit lines: 35 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $49,945Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: subtle-capital Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff credit card
Purpose of loan:
This loan will be used to? Pay off credit cards with high rates

My financial situation:
I am a good candidate for this loan because? I am a CPA and understand finances.? I can easily make monthly payments, but the economics of securing a lower-rate makes sense.? Paying a fixed amount each month will significantly cut the payoff duration.? Companies like American Express and Citi have cancelled their installment loan businesses, and agressively paying off credit cards is good, but when they are reducing credit limits as you pay off your balance, it further erodes the accessibility to credit should unforeseen expenses (medical, etc.) arise.

Monthly net income: $ 12311

Monthly expenses: $
??Housing: $?3,000.
??Insurance: $?619
??Car expenses: $ 217.?
??Utilities: $ 300
??Phone, cable, internet: $ 180
??Food, entertainment: $ 1000
??Clothing, household expenses $ 500?
??Credit cards and other loans: $ 2700
??Other expenses: $ 1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $127.91
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: 36%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 17Length of status:32y 2m
Credit score: 700-719 (Mar-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $31,553Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: natural-gold495 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 creadit cards.
Purpose of loan:
This loan will be used to?Pay off some credit cards.

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

Monthly net income: $ 2784.00

Monthly expenses: $
??Housing: $655.00
??Insurance: $82.00
??Car expenses: $ None
??Utilities: $55.00
??Phone, cable, internet: $ 128.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449296
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $138.74
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:10y 4m
Credit score: 680-699 (Mar-2010) Total credit lines: 16 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $13,118Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: exponential-order3 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
Boycotting Greedy Bankers
Purpose of loan:
This loan will be used to? pay off a few credit cards of which Greedy Bankers have jumped the interest rate to a ridiculous high.

My financial situation:
I am a good candidate for this loan because?? I am a very hard working person, one of the most honest people you will ever know, I can provide referencess with real peoples phone numbers.

Monthly net income: $
2200 from my main job, I also sell Avon and bake an occasional wedding cake which can bring in as much as 2000 extra in a good month. on average avon brings in about 800-1500. I also get CS in the amout of 500 a month.
Monthly expenses: $
??Housing: $?450
??Insurance: $ 500
??Car expenses: $ 475
??Utilities: $65
??Phone, cable, internet: $35
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 14.98% Starting borrower rate/APR: 15.98% / 18.16% Starting monthly payment: $456.91
 
Auction yield range: 6.04% - 14.98% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1976 Debt/Income ratio: 27%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:5y 7m
Credit score: 760-779 (Mar-2010) Total credit lines: 33 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $172,402Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: aggresive-peso 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 mastercard balance. Federal creditor rate regulations have changed and mastercard automatically raised my APR to 19%. I have never been late and always appropriately used my credit cards.

My financial situation is healthy, however, paying $500 a month no longer pays down the principal, it all goes to interest which is unacceptable.
I am a good candidate for this loan because I am able to easily repay the loan. Payments will never be late because it will be deducted automatically from my bank account. I will likely over pay a little to pay down the balance faster so the money I am saving in interest will go to pay down my student loans at which point I can resume investing in my family's future.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $202.12
 
Auction yield range: 11.04% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 8Length of status:4y 7m
Credit score: 660-679 (Mar-2010) Total credit lines: 13 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $24,301Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unique-euro Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my car
Purpose of loan:
This loan will be used to pay off my car so I can start paying off my credit cards

My financial situation:
I am a good candidate for this loan because I have never been late on any bills of any kind. I am a teacher and have good job security.

Monthly net income: $ 3,300

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449318
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,703.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $83.62
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1973 Debt/Income ratio: 47%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 13Length of status:1y 7m
Credit score: 800-819 (Mar-2010) Total credit lines: 48 Occupation: Other
Now delinquent: 0 Revolving credit balance: $28,128Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cognizant-dough Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying the IRS
Purpose of loan:
This loan will be used to?
pay the IRS
My financial situation:
I am a good candidate for this loan because?I have a teacher's retirement of $42,000 annually, full time employment at $30,000 annually, and my spouse earns $53,000 annually.? Our ability to pay is excellent.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $205.15
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 20 / 20Length of status:4y 11m
Credit score: 720-739 (Feb-2010) Total credit lines: 41 Occupation: Other
Now delinquent: 0 Revolving credit balance: $150,518Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bid-winner231 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Miscellaneous household expenses
Purpose of loan:
This loan will be used for household expenses and some business expenses

My financial situation:
I am a good candidate for this loan because I?have?equity in my home and?my car?- my credit is good.? I am a small business owner with?a passion for what I do (helping people buy, sell and rent homes).?I launched Take Me Home Real Estate, LLC in 2005 and have been in the real estate business for 20 years.?My website http://www.takemehomerealestate.com will offer insight into my?work ethic and integrity.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2007 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:0y 7m
Credit score: 680-699 (Mar-2010) Total credit lines: 5 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $4,209Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: enthralling-funds Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need my life back please
Purpose of loan:
I'm just in?way over my head in debt and?I need to be able get back on track.?I have sold my car to try to help it didn't and?I'm doing whatever else?I can try to do. I am in debt from?college, credit cards, and loans, and from a mistake?I made?from a scammer which completely screwed me over.?I need this amount to be debt free and will only have to pay back this loan. I am currently in line to leave for?bootcamp for the marine corps around september?and?do not want to leave to come back to?so much debt.?I am also on the point of just calling quits and file bankruptcy because that scammer took just about everything and now?I am behind on paying my bills and cannot catch up. So this is basically my last chance and need help.?I?currently live rent free so I have no expenses and?I do not go out partying, blow money or whatever to put myself in this predicament. I am blessed to be able to make?it this far and this loan would?just be a bigger blessing.

Monthly net income: $ 1600
Monthly expenses: $
??Housing: $ 0
??Insurance: $?
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $?62
??Food, entertainment: $ 20
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 700
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.72% Starting monthly payment: $47.97
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1992 Debt/Income ratio: 43%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 9Length of status:0y 8m
Credit score: 720-739 (Feb-2010) Total credit lines: 36 Occupation: Skilled Labor
Now delinquent: 2 Revolving credit balance: $7,900Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 21    
Screen name: DaSnake Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 720-739 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 3% )  
720-739 (Dec-2009)
540-559 (Nov-2006)
520-539 (Oct-2006)
540-559 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Mustang GT Repairs
This loan will be used to make repairs to my 1996 Mustang GT.? Currently it needs to have a new intake manifold and air conditioner compressor along with complete tune up.???I am only asking for $1500 to get the intake manifold replaced and complete tune-up at this time, I can wait until the summer for the AC repairs.?This will be my second loan here through Prosper; my payments for this loan will be automatic withdrawals from my account.?The one late payment to Prosper was due to?my retirement from the U.S. Army after 21 years and a delay in my retirement/disability pay.?I recently started?on a new job and will have no problems making my payments.?? Thank you for considering me for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1995 Debt/Income ratio: 12%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:14y 9m
Credit score: 720-739 (Mar-2010) Total credit lines: 30 Occupation: Postal Service
Now delinquent: 1 Revolving credit balance: $251Stated income:$50,000-$74,999
Amount delinquent: $147 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: goal-finance0 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
Meidcal
Purpose of loan:
This loan will be used to pay off medical bills from a recent surgery

My financial situation:
I am a good candidate for this loan because I have been employed by the same company for over 16 years and hold a middle management position that is secured from layoffs. I have excellent references and can provide them if requested. I receive my salary via direct deposit and can set up an allotment to pay loan on a bi-weekly basis. I have had the same checking account for over 9 years and can also set electronic payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $173.42
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1999 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Not employed
Enhanced (1-5):2 Current / open credit lines: 18 / 14Length of status:0y 3m
Credit score: 680-699 (Mar-2010) Total credit lines: 40Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $86,710 
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: note-buddy8 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off bills
Purpose of loan:
This loan will be used to help pay current bills.? Recently got laid off but will be a stay at home mother.? I am no unemployment.? My husband works and earns a good paycheck.? We are still adjusting to our new household income which we will be fine long term but short term we need to borrow to get by the next few months.? Monthly payments will not be an issue.? This will help stabalize us.? Also expecting a new baby in 10 days so we need a financial cushion for hospital expenses and since I will not be collecting unemployment for a few weeks.

My financial situation:
I am a good candidate for this loan because I am on unemployment and my husband earns a good paycheck.? We can afford to make monthly payments long term.? Just have an issue this moment (short term) in getting by.? If I can get financial stability now, I will be good long term.

Monthly net income: $362 from unemployment -? $4583 from husband

Monthly expenses: $
??Housing: $2,100
??Insurance: $99
??Car expenses: $550
??Utilities: $200
??Phone, cable, internet: $50
??Food, entertainment: $400
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449354
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $866.63
 
Auction yield range: 8.04% - 14.00% Estimated loss impact: 8.81%  
Lender servicing fee: 1.00% Estimated return: 5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1996 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 12Length of status:3y 5m
Credit score: 780-799 (Mar-2010) Total credit lines: 38 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $25,933Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: goal-market3 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
To finance and fix a home
Purpose of loan:
This loan is to help finance and fix a home that I have just won a bid on at action.?

My financial situation:
I am a good candidate for this loan because I have maintained good credit history standing, maintained financial?reserves just in case loss of job occurs.? This loan is going to go towards an asset and not daily consumption.? I?bring?a low risk profile to?Prosper?that can be substantiated.? Please consider my request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449356
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $77.34
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1995 Debt/Income ratio: 23%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 8Length of status:8y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 51 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $9,944Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: golden-repayment4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying down medical bills
Purpose of loan:
This loan will be used to pay down medical bills and my house insurance for 2010.?

My financial situation:
I am a good candidate for this loan because I have had the same job for the last 10 years. I work for a worldwide company that is doing well in this economy.

I became very sick in late 2009, but continued to work throughout the sickness. Thankfully, it was not life threatening, but it did leave me with many medical bills.? In addition to being sick, my husband was unemployed most of 2009, due to being laid off from his previous sales position. Thankfully, he was able to get another career started in October, not in sales.? We are in the middle of selling some of our material things, so as to not have this loan for the entire 36 months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $109.35
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2006 Debt/Income ratio: 53%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:3y 6m
Credit score: 680-699 (Mar-2010) Total credit lines: 6 Occupation: Student - College J...
Now delinquent: 0 Revolving credit balance: $3,094Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: yajtaj 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 / 2 On-time: 22 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,500.00< mo. late: 0 ( 0% )  
700-719 (Jun-2008)
700-719 (Mar-2008)
 
Principal balance: $1,614.89 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Student Studying in Taiwan
Purpose of loan:
This loan will be used to? cover my expenses while studying abroad. I am currently attending an?intensive Chinese language?program at National Taiwan University, which is also known as the Harvard of Taiwan.? As a student in Taiwan, I am not able to work or generate any income; therefore, this loan would help me tremendously to cover for my expenses that the university doesn't cover.

My financial situation:
I am a good candidate for this loan because? as you can see, I have been paying my other listing from prosper ON TIME without any delinquencies.? I will return home in July 2010 to continue my education in the US and my part-time?employment of over 3 years. So I will definitely?be able to pay back this loan.? Thank you for your time.? All questions will be happily answered.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.99% Starting borrower rate/APR: 29.99% / 32.37% Starting monthly payment: $127.34
 
Auction yield range: 11.04% - 28.99% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 12Length of status:1y 9m
Credit score: 680-699 (Feb-2010) Total credit lines: 39 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $25,789Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: gentle-interest Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CUT UP CREDIT CARD, WANT TO PAYOFF
Purpose of loan:
This loan will be used to? Pay of a credit card that is at a high interest rate.

My financial situation:
I am a good candidate for this loan because? I have a stable job?while a good income. Also I have an excellent repayment history on all my debts.? No late payments, collections or public records.??(My?Experian Plus score is 709 but the?Prosper model?has?me in the 690 range.) I want this loan so I can get this closed account out of the revolving debt bin and hopefully help my credit score.?The card I wish to pay off was voluntarily closed by me when I opted out of the new terms & conditions sent to me last fall.?

Thank you to those of you who previously bid on my listing. I decided to withdraw it and relist as I was not getting the bids needed to fully??funded at the rate I had?started with. Hoping to get?some?more action and have this rate bid?way down!??



Monthly net income: $ 3200 my salary only (husbands net approx 3400.00) both of us contribute about to 401k's (me about 230 monthly, husband approx 350$ month)
Monthly expenses: $
??Housing: $? 0 (Husband pays both the 1st mortgage $1254(includes taxes & ins)?&? 2nd Mortgage $741.
??Insurance: $90 Husband pays?
??Car expenses: $ 0 -? paid off early 11/09
??Utilities: $ gas , electric , water?- ?250.00
??Phone, cable, internet: $ 145
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $? 953 is my total min?monthly payments. Typically I pay 1500?across all accounts
??Other expenses: $ 150 (gas, T passes)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.02% Starting borrower rate/APR: 10.02% / 12.13% Starting monthly payment: $161.38
 
Auction yield range: 4.04% - 9.02% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1999 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:2y 6m
Credit score: 760-779 (Mar-2010) Total credit lines: 26 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $11,953Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: GCharlow 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
Business expansion
Purpose of loan:
This loan will be used to? expand my existing financial coaching business to also include credit repair services.? These funds will go towards advertising and necessary equipment.?

My financial situation:
I am a good candidate for this loan because? I have been running this business for over two years and have number of current clients that would like me to help them repair their credit.? The profits that?I can generate over the next year just from these current clients will more than pay for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449376
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.99% Starting monthly payment: $61.54
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2004 Debt/Income ratio: 15%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 1 / 1Length of status:4y 10m
Credit score: 660-679 (Mar-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wakatta07 Borrower's state: Washington Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 93% ) 660-679 (Latest)
Principal borrowed: $5,500.00< mo. late: 1 ( 7% )  
700-719 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Tokyo or Bust
Purpose of loan:
Buy a ticket to Tokyo where I am being met by Izumi Shobo, Inc. with a job.

My financial situation:
I am a good candidate for this loan because I will be earning more than enough money to pay off this loan in Tokyo.

Monthly net income: $ 2,500

Monthly expenses: $?1000
??Housing: $ 600
??Insurance: $ 20
??Car expenses: $ 20
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 110
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $415.18
 
Auction yield range: 3.04% - 11.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1994 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:7y 8m
Credit score: 860-879 (Mar-2010) Total credit lines: 24 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $1,883Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: favorable-peace Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Freeing My Family From Debt
Purpose of loan:
My husband and I will use this loan to pay off our credit card debt that accumulated while we were in graduate school.I am tired of the games played by the banking industry, and I would much rather pay off a peer-to-peer loan than continue to give my money to the big banks.This is our final step in our new sans credit card lifestyle!

My financial situation:
I am a good candidate for this loan because I am committed to paying it off on time and with gusto!My husband and I are both veteran teachers, and we own our home.We both just finished paying off our cars, and we will use our former car payment money to pay off this new loan.Our Prosper loan will help us achieve our goal of paying off our old credit card debt once and for all!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,620.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 17.20% Starting borrower rate/APR: 18.20% / 20.41% Starting monthly payment: $131.24
 
Auction yield range: 14.04% - 17.20% Estimated loss impact: 15.46%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2004 Debt/Income ratio: 14%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:0y 6m
Credit score: 620-639 (Feb-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,033Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: ThrivingForSuccess Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,984.00< mo. late: 0 ( 0% )  
620-639 (Jun-2008)
520-539 (Mar-2007)
520-539 (Feb-2007)
 
Principal balance: $1,485.33 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
DebtHelp (2nd loan)1st is half pd

As you can see, I have already received a loan from this site and have been paying each and every?month (never late).?I feel that is?proof that I will not have a problem paying for a second loan.

(I will be paying off the remaining 1st loan with this new loan).?=0)

Hello, I am a 28-year-old young woman?who has been living on her own for?7 years now. I was working for the same company (Outpatient hospital facility) for 4 years but recently made the resume jump to a better paying job (I was able to ask for a lot more being I graduated with honors last year & was ready to get more money)..?I have security at the new cardiology office?as I work overtime each weekend (about 50-60 hrs week on average). I am officially certified in Medical Coding & Billing as I graduated with honors last year and am looking to extend my knowledge a little more. I have looked into and signed up?for University of Phoenix online and am hoping to start that?within the next month.?I would like a second loan to pay off my?first prosper loan, put money?towards some of my schooling, as well as some dental work that I need to have done. Unfortunately, when I switched to a better paying job, I lost my dental insurance and have atleast 2 or 3 root canals that are severe in nature. I know my credit rating?had dropped a few years back, but I have since been?rebuilding it and have been able?to get things back to?normal.?

??My?future is very important to me & I intend on making a life for myself that does not involve the struggles most people deal with on a daily basis.?I want more for myself. Especially since there has been talk about Social Security being taken away from us by the time I retire. Financially speaking, it is getting tougher for people of my age to secure a good future.?Since I have received my national billing & coding?certification, I am confident that?I will meet & exceed my long-term goals which includes my obtaining a degree soon.?I know what I want and how to obtain it. If you should have any questions or would like me to verify any of this information please do not hesitate to ask. I appreciate all who have taken the?time to read this. Thank you and God Bless.?

Below is what I pay on a monthly basis:
Rent $910.00
Car Insurance: $104.00??
Car payments: None
Cable/Modem: $130.00
Electric: $30.00 - $58.00 (Free heating in winter / One A/C unit in summer)
Phone: $50.00
Credit Cards: $80.00
Student Loan:??$50.00
Food: $100.00 - $200.00
Gas per week: $40 (I live?within?minutes from where I work)???
The apartment, electric, cable/modem, &?phone?are?all in my name.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $812.33
 
Auction yield range: 3.04% - 9.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:3y 11m
Credit score: 820-839 (Mar-2010) Total credit lines: 23 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $15,499Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sensai828 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards and discover l
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 449392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: 6%
Basic (1-10): 5 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:2y 9m
Credit score: 640-659 (Mar-2010) Total credit lines: 37 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,238Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: enterprising-transparency6 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 Debt
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because ,?I am fainacne responisble I will pay this laon off early?

Monthly net income: $ 9500

Monthly expenses: $ 3050
??Housing: $ 1200
??Insurance: $ 300
??Car expenses: $
??Utilities: $ 300
??Phone, cable, internet: $ 250
??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 449396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $263.68
 
Auction yield range: 14.04% - 15.00% Estimated loss impact: 14.65%  
Lender servicing fee: 1.00% Estimated return: 0.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 10 / 9Length of status:0y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,307Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: silver-banker5 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
equipment, working capital
Purpose of loan:
This loan will be used to generate needed cash flow to help produce future assets and to attract new customers through carefully planned marketing. May also purchase A/C machine for upcoming work.
My financial situation:
I am a good candidate for this loan because I'm always on time with bills.? I have the determination to succeed in the auto repair industry.?
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 449402
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2007 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 1 / 1Length of status:1y 3m
Credit score: 680-699 (Mar-2010) Total credit lines: 2 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: peace-channel 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
auto repairs
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 449404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $175.79
 
Auction yield range: 8.04% - 22.68% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:17y 7m
Credit score: 720-739 (Mar-2010) Total credit lines: 16 Occupation: Landscaping
Now delinquent: 0 Revolving credit balance: $12,474Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mountains59 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 720-739 (Latest)
Principal borrowed: $18,000.00< mo. late: 0 ( 0% )  
680-699 (Aug-2009)
720-739 (Nov-2007)
 
Principal balance: $5,785.08 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Pay down credit card debt
Purpose of Loan: This loan will be used to pay off some higher interst credit card debt.

My financial situation: I am in the process of reducing debt. This will improve my financial situation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449408
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1998 Debt/Income ratio: 86%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 5Length of status:5y 10m
Credit score: 620-639 (Mar-2010) Total credit lines: 32 Occupation: Laborer
Now delinquent: 3 Revolving credit balance: $1,872Stated income:$1-$24,999
Amount delinquent: $1,261 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: orthotech1 Borrower's state: Michigan Borrower's group: Family and Friends of the Military
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
620-639 (Dec-2009)
600-619 (Oct-2009)
600-619 (Aug-2009)
600-619 (Jul-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Putting in handicap ramp
Purpose of loan:
This loan will be used to remove existing patio deck, buy needed material, and build a handicap ramp for home, as my wife will be having major back and knee surgery in the month of April, 2010.?

My financial situation:
I am a good candidate for this loan because I have a steady income not only from my present job, but also because I am retired military with a steady income of 1300.00 dollars per month.

Monthly net income: $ 3300.00

Monthly expenses: $
??Housing: $ 260.00
??Insurance: $161.00
??Car expenses: $ 280.00
??Utilities: $ 232.00
??Phone, cable, internet: $ 121.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449414
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $160.63
 
Auction yield range: 11.04% - 13.00% Estimated loss impact: 10.28%  
Lender servicing fee: 1.00% Estimated return: 2.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 22%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:8y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 32 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $15,841Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: organized-camaraderi4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off My Credit cards
Purpose of loan:
This loan will be used to pay all my credit cards and lower my interest rate and pay them off in a fixed amount of time.

My financial situation:
I am a good candidate for this loan because I have a very good credit rating ?and good stable job where I have worked for 10 years. I make over 40k a year.

Just a note . I do not understand my D rating?. I have a credit score over 700 and owe 3 credit cards that I want to pay down. I can prove my income and I work at a target Distribution center.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.05% Starting borrower rate/APR: 18.05% / 20.26% Starting monthly payment: $506.48
 
Auction yield range: 17.04% - 17.05% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1999 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:18y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 23 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $10,185Stated income:$25,000-$49,999
Amount delinquent: $266 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: happy-reward649 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
vehicle and bills!
Purpose of loan:
This loan will be used to? purchase vehicle and pay off some bills.

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

Monthly net income: $2500????

Monthly expenses: $
??Housing: $ 500.00????
??Insurance: $ 168.00????
??Car expenses: $?100?.00??????
??Utilities: $?0
??Phone, cable, internet: $ 52.07
??Food, entertainment: $ 160.00????
??Clothing, household expenses $100.00?????
??Credit cards and other loans: $?607.00???????
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $215.61
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2000 Debt/Income ratio: 90%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 12Length of status:1y 9m
Credit score: 660-679 (Mar-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $50,429Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: trade-enforcer 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
School/Debt Consolidation
Purpose of loan:
This loan will be used to?consolidate a high credit card and subsidize preparations for admission to graduate school

My financial situation:
I am a good candidate for this loan because?although I am in need of financial relief and have outstanding loans, I have never defaulted on a loan nor have I ever been late on any required monthly payments. I've been an on-time and reliable borrower since age 16. I have a long standing ebay account with over 300 transactions with 100% positive feedback. I graduated college just as the financial crisis would unfold and took a very low paying but potentially high reward job in NY as a trader. There were definitely safer opportunities but as a young man with an entrepreneurial spirit to chase the dream, I gave myself a chance to do my best for a couple years. Unfortunately, although I've done well compared to peers, the market has been a nightmare for most traders since 2008. I stand firm with belief in my ability and work ethic, but the opportunity costs and expenses associated with moving to NY and taking a primarily commission job has taken its toll financially, physically, and mentally. Although my firm realizes gains or losses from trading activity, I've had to live off of my credit cards and the ridiculously high NY rental market while not making much money on the side. My spirit and optimism still exists but the need to survive has become a higher priority (I don't even have health insurance, although luckily I'm healthy). I guess a not-so-good comparison would be a person doing anything he can to make the NBA, taking on the risks, expenses, and opportunity costs to see if he can "make it". I'd hardly consider myself a gambler, but I did take a chance and now need to get my finances and life in better order. I'm regarded by those who know me as intelligent, creative, hard-working and dedicated to what I believe in. My current plan is to work a new job while getting my master's degree in financial engineering from an Ivy League program in upstate NY to supplement my bachelor's in finance. I need this loan for short-term expenses, debt consolidation, and to assist the costs of admission to the graduate program (tuition will be covered by another source). I feel confident that someone will read my story and sympathize and hold me as someone with integrity. Last but not least, I would gladly pay interest on a loan from an average american as opposed to the controversially unpopular banks we have come to know.

Monthly net income: 2500 $

Monthly expenses: $1000-2000
??Housing: $900
??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 449434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $234.39
 
Auction yield range: 8.04% - 22.68% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1999 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 3Length of status:2y 2m
Credit score: 700-719 (Mar-2010) Total credit lines: 29 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $1,274Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: rapid-peace 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
LOOKING TO PAY OFF ALL DEBT
Purpose of loan:
This loan will be used to?
To pay off all existing debt..

My financial situation:
I am a good candidate for this loan because?
I finally graduated college and have a stable job in which I will continue to grow..

Monthly net income: $
3330.00

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $?130
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,789.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 12.48% Starting borrower rate/APR: 13.48% / 13.83% Starting monthly payment: $569.58
 
Auction yield range: 3.04% - 12.48% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 10.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 7%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:0y 8m
Credit score: 800-819 (Feb-2010) Total credit lines: 26 Occupation: Computer Programmer
Now delinquent: 2 Revolving credit balance: $2,116Stated income:$100,000+
Amount delinquent: $1,100 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mk408 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 / 2 On-time: 28 ( 100% ) 800-819 (Latest)
Principal borrowed: $8,989.00< mo. late: 0 ( 0% )  
780-799 (Aug-2009)
780-799 (Jul-2009)
800-819 (Apr-2008)
800-819 (Sep-2007)
 
Principal balance: $1,643.35 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
Home improvement &other investments
Time to spin the prosper wheel for a lower rate.

The two delinquencies are bogus and disputed, as my low DTI and, high income, and otherwise spotless record indicate.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $498.21
 
Auction yield range: 3.04% - 11.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1998 Debt/Income ratio: 26%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:9y 10m
Credit score: 800-819 (Mar-2010) Total credit lines: 29 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $8,245Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: enticing-credit3 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 All debt
Purpose of loan:
This loan will be used to?

Pay off three of my credit cards and make one monthly payment that will allow me to service all my existing debt with one monthly payment and be debt free in 3 years.? All of the credit cards will be closed and purged for no further use.? I look forward to only having one monthly payment.? Credit debt was used to set up and pay for various items/ appliances in my home.? I'm looking for a great rate.? I have excellent credit and 800+ credit score so your investment is safe.

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

I have a solid income annual, including bonuses that I receive annually as well and have a solid repayment and credit history.? I have paid and service all of my previous credit agreements.? Even though loan?would be in my name my husband will also assist in repaying the loan ASAP (hopefully making extra payments).? I also work in the financial industry at an international bank, where I have been employeed for about 10 years.? I think I'm a solid borrower with solid income, homeowner, and has solid prior borrowing history.? I'm looking to become financially independent of all credit cards/ credit and this is a great step to be able to close my credit cards.? I noticed prosper when my husband recently used them and paid off all his debt, using one of our bonuses.? I hope to pay this loan off before 36 months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1998 Debt/Income ratio: 62%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 13Length of status:0y 2m
Credit score: 640-659 (Mar-2010) Total credit lines: 39 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $8,449Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: elated-peace41 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
Advertising
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 449458
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1992 Debt/Income ratio: 46%
Basic (1-10): 2 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 20 / 19Length of status:3y 6m
Credit score: 660-679 (Mar-2010) Total credit lines: 61 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,563Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dedicated-gold5 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Credit Cards
Purpose of loan:
This loan will be used to? Pay off high interest credit cards whose minimum payments barely pay the interest each month.? I'd like the opportunity to roll all of this debt into one manageable payment with a goal of being out of credit card? debt within 3 years.

My financial situation:
I am a good candidate for this loan because? I hold stable employment with the State government.? Additionally, I have also held a second stable employment for the past 3 years.? I pay all of my bills on time but am currently just meeting the minimum payments which does not allow me to make up much ground on paying off the balances completely.? My finances allow me sufficient money after all bills and expenses are paid however, not enough to make much more than minimum payments.? I am in a stable financial situation however, would like the opportunity to have a short term (3 year) solution to paying off all unsecured credit card debt.

Monthly net income: $4,600

Monthly expenses: $ 3,280
??Housing: $ 916
??Insurance: $ 66
??Car expenses: $ 498
??Utilities: $100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $481.05
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1992 Debt/Income ratio: 59%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 15Length of status:3y 7m
Credit score: 680-699 (Feb-2010) Total credit lines: 25 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $71,875Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: chaggiie Borrower's state: Illinois Borrower's group: Global Group - Fast Same Day Approval -
Credit and homeownership information was obtained 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% ) 680-699 (Latest)
Principal borrowed: $5,000.00< mo. late: 1 ( 8% )  
680-699 (Sep-2009)
620-639 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 1 ( 8% )
Total payments billed: 13  
Description
Paid off Prosper loan before.
Purpose of loan:
This loan will be used to buy inventory for an L.E.D. bulb business. L.E.D bulbs use far less energy to light up a house or business. They cost alot more than other bulbs but,

they last about 50,000 hours.

My financial situation:
I am a good candidate for this loan because I have already borrowed from Prosper before and paid early( a little over a year).?Loans from Prosper are from individual people so I have and will

make sure it is paid.?My credit score is lower because I have been forced to carry a higher than desired debt to income ratio. This is a temporary situation because I have acct

rec that should pay soon. Most of my revolving debt/credit was used to buy inventory. These days it takes about 60-90 days turn around due to the economy.

Monthly expenses:?Monthly net income is about $6500 after taxes:
Housing: $ 1800??Insurance: $ 100??Car expenses: $ 500??Utilities: $ 400??Phone, cable, internet: $ 200??Food, entertainment: $ 600??Clothing, household expenses $

200??Credit cards and other loans: $ 1200??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2004 Debt/Income ratio: 37%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 11Length of status:1y 6m
Credit score: 640-659 (Mar-2010) Total credit lines: 27 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $5,002Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: urbane-money 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 and start saving to buy a house.

My financial situation: I am a good candidate for this loan because?I am working in a company that's doing good in this down economy, I have job security.

Monthly net income: $ 38,000 last years income

Monthly expenses: $ 2000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $588.49
 
Auction yield range: 17.04% - 23.00% Estimated loss impact: 19.32%  
Lender servicing fee: 1.00% Estimated return: 3.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2002 Debt/Income ratio: 89%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 22 / 22Length of status:8y 2m
Credit score: 680-699 (Mar-2010) Total credit lines: 34 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $20,523Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wise-burgeoning-yield 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 Card
Purpose of loan:
This loan will be used to? paying of my credit cards. To be exact 75% of the requested amount i will pay off my credit card so that I have only
one payment to make . Rest 25% I want to use the money trading gold and currency as I have lot off experience in this field.

My financial situation:
I am a good candidate for this loan because? I am steady as can be seen from my employment. I am on my same Job?for the past 8
years. Also I have a security Licence to do security work. I?also did security work last year for the whole year. I have taken a brake from it, if I
need?more money I can always use my licence to do my security work. My wife also works. She works in Walgreens and helps me for paying
of the bills.
I have one judgement on my credit report. I? sold my car?and ?I told him of the transmisson problem?that?I have fixed it from
cottsman transmission that is a franchise and?I also give him a receipt as it has one year warranty. But he got angry for buying that car
and he called me on court. But i cound not attend the court because of the title has different address and i could not get the letter to
attend the court and the court order the judgment of $2450.00 because I was not present on my date. It was in 2005 and this I did
not know a year later. I just leave on my credit report because i do not want to hire a lawyer to defend it .
I have my own house and a Brand new Toyota Camary 2009 car, no body has object to that because of the samll amount. This judgment will be
taken out of my credit report in two years time

.

Monthly net income: $ 24000.00

Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 150.00
??Car expenses: $?400??Utilities: $ 250.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449516
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $79.94
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2004 Debt/Income ratio: 5%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 4m
Credit score: 720-739 (Mar-2010) Total credit lines: 8 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $872Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 31%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wise-direct-value Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? paying off credit cards


I am a good candidate for this loan because? i have more than 740 credit score
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.50% Starting borrower rate/APR: 11.50% / 11.85% Starting monthly payment: $659.52
 
Auction yield range: 3.04% - 10.50% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:0y 7m
Credit score: 800-819 (Mar-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,838Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: top-worthy-hope 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
Consolidating Credit Card Debt
Purpose of loan:
This loan will be used to consolidate four different credit cards.?

My financial situation:
I'm very motivated and committed to reducing my debt.??I'm?paying significantly more than the minimum payments required today, but a lower interest rate would be a big help too!? I'm a great candidate for this loan with very good credit.? Thanks for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449528
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.99% Starting borrower rate/APR: 12.99% / 15.13% Starting monthly payment: $673.78
 
Auction yield range: 11.04% - 11.99% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1979 Debt/Income ratio: 46%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 26 / 25Length of status:6y 1m
Credit score: 740-759 (Mar-2010) Total credit lines: 58 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $113,485Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: plentiful-revenue8 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lower my Rate
Purpose of loan:
This loan will be used to? pay off some of my high iterest credit cards

My financial situation:
I am a good candidate for this loan because? i have the ability to pay, i just don't like it when credit card companies raise rates unreasonably.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $259.57
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2002 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:1y 10m
Credit score: 720-739 (Mar-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $15,415Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: valiant-investment 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
Help Purchase Truck
Purpose of loan:
This loan will be used to purchase a 2008 f250 that is for sale privately and I am willing to put 17k cash towards it but need?8 more.? Thanks to all who help me out.

My financial situation:
I am a good candidate for this loan simply because I have NEVER missed a payment on any loan or monthly bill.? Also, I make more money than i can prove with a w2 because I make extra money personal training on the side.
Information in the Description is not verified.